CA3084220A1

CA3084220A1 - Online lending method, and data interaction processing method, device and system

Info

Publication number: CA3084220A1
Application number: CA3084220A
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: 2016-12-08
Also published as: CA2987675A1; WO2016191925A1; CA3176616A1

Abstract

An online lending method comprises third and fourth participants receiving first and second borrowing requests, respectively, and submitting applications to open credit certificates to a first funds management server; the server generates corresponding first, second, third and fourth credit certificates, and freezes funds of the third and fourth participants which are equal to credit certificate borrowing limits; after receiving the first, second, third and fourth credit certificates, a second funds management server grants funds to the first and second participants which are equal to a borrowing limit of the first and second borrowing request, respectively, and also sets a repayment time for the granted funds, and monitors a repayment date of the first and second participants. This reduces the lending risk for a loan initiator.

Description

ONLINE LENDING METHOD, AND DATA INTERACTION PROCESSING METHOD, DEVICE AND SYSTEM
Technical Field [0001] The present invention relates to the field of credit, and in particular, to a borrowing method, data interaction processing method, device and system.
Background

[0002] Private lending is divided into private personal loans and loans between citizens and financial enterprises. As private lending is mostly conducted in the semi-public or even secret circumstances, both the borrower and the lender generally test the so-called reputation maintenance, incomplete credit procedures, lack of secured mortgages and unreliable legal guarantees. In the event of a change of circumstances, the lender is very likely that the money lent to the borrower will not be recoverable.

[0003] With the development of Internet technology and especially mobile Internet technology, users can connect to the Internet through mobile devices using 2G, 3G, 4G or WiFi to conduct transactions and social activities. Users can conveniently and effectively perform online activities, this is an incomparable experience with offline. As a result, it is necessary to provide an online-based loan method.

[0004] Further, since users can realize various ways of data interaction through the Internet, it is necessary to provide an online data interaction processing method.
Summary

[0005] It is an object of the present invention to provide an online lending method.

[0006] An online lending method provided by the present invention, the method includes: a First Participant and a Second Participant respectively submits a first borrowing request and a second borrowing request; a Third Participant receives the first borrowing request and a second borrowing request respectively, a Fourth Participant receives the first borrowing request and a second borrowing request, then the Third Participant and Fourth Participant respectively submits the first credit certificate application and second credit certificate application to first Funds-Management server; the first Funds-Management server based on the first credit certificate open Date Recue/Date Received 2020-06-18 application generates the corresponding first credit certificate and second credit certificate, then freezes the first funds and second funds which equal to borrowing limit of first credit certificate and second credit certificate in the Third Participant, and freezes the third funds and fourth funds which equal to the borrowing limit of third certificate and fourth certificate in the Fourth Participant, and deliver the first, second, third and fourth credit certificate to the second Funds-Management server; after the second Funds-Management server received the first, second, third and fourth credit certificate, deliver the funds which equal to the borrowing limit of first borrowing request to First Participant and deliver the funds which equal to the borrowing limit of second borrowing request to Second Participant; wherein, the second Funds-Management server set the repayment time of delivered funds, and monitor the repayment data of First Participant and Second Participant; the first Funds-Management server is the account management server of Third Participant and Fourth Participant, the second Funds-Management server is the account management server of First Participant and Second Participant.

[0007] An online lending method provided by the present invention, the method includes: a First Funds-Management server receive the open application of first credit certificate and the Third Participant based on the First Participant and Second Participant respectively submit the first borrowing request and second borrowing request, and receive the Fourth Participant based on the request of first borrowing request and second borrowing request initiates the second credit certificate open application; based on the first credit certificate open application generates the corresponding third credit certificate and fourth credit certificate, then freeze the first funds and second funds which equal to the borrowing request of first credit certificate and second credit certificate, deliver the first, second, third and fourth credit certificate to the second Funds-Management server, making the second Funds-Management server receives the first, second, third and fourth credit certificate, deliver the funds which equal to the borrowing limit of second borrowing request to Second Participant; wherein, the second Funds-Management set the repayment time of delivered funds, and monitor the repayment date of First Participant and Second Participant; the first Funds-Management server is the account management server of Third Participant and Fourth Participant, the second Funds-Management server is the account management server of First Participant and Second Participant.

[0008] Another online lending method provided by the present invention includes: the second Funds-Management server receives the first, second, third and fourth credit certificate; wherein, Date Recue/Date Received 2020-06-18 the first credit certificate and second credit certificate is the first Funds-Management server receives the Third Participant based on the First Participant and Second Participant respectively submits the first borrowing request and second borrowing request and initiates the first credit certificate open application, the third credit certificate and fourth credit certificate is the first Funds-Management server receives the Fourth Participant based on the First Participant and Second Participant respectively submit the first borrowing request and second borrowing request and initiates the second credit certificate open application; and deliver the funds which equal to the borrowing limit of second borrowing request to Second Participant;
wherein, the second Funds-Management server set the repayment time of the delivered funds, and monitor the repayment date of First Participant and Second Participant; the first Funds-Management server is the account management server of the Third Participant and Fourth Participant, the second Funds-Management server is the account management server of the First Participant and Second Participant.

[0009] In the aforesaid on-line lending method, the Third and Fourth Participant applies to the First and Second Participant Funds-Management server for issuing the credit certificate when receiving the loan request of the First Participant, and the first Funds-Management server freezes the corresponding fund. The second Funds-Management server issues the frozen funds to the First and Second Participant based on the credit certificate. As a result, the Funds-Management server is used as an intermediary platform for the four parties, the Third and Fourth Participant guarantee the first Funds-Management server, and the associated second Funds-Management server issues the loan to the First and Second Participant, thereby facilitating the First and Second Participant applies loan online; in addition, the second Funds-Management server monitors the repayment date of the First and Second Participant, thereby reducing the loan risk of the loan initiator.

[0010] Another object of the present invention is to provide a data interaction processing method, a data interaction system, and a data processing device.

[0011] The present invention provides a data interaction processing method, in which a first data requester initiates a first data request that needs to add a first data value to its data unit; a second data requester initiates a second data request that needs to add a second data value to its data unit; the first data requester receives the first data request and second data request, submit the open application of second data certificate to second data initiator, submit the open application of second data certificate to First Service Party; the First Service Party based on the open application of first data certificate generates the corresponding first data certificate and second data certificate, Date Recue/Date Received 2020-06-18 and locks the first data which equal to the data value represented by the first data certificate in the data unit of first data initiator and the second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the third data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth certificate, and deliver the first, second, third and fourth data certificate to Second Service Party; the Second Service Party received the first, second, third and fourth data certificate add the data value which equal to the first data in the data unit of first data initiator and add the data value which equal to the first data in the data unit of first data requester;
wherein, the Second Service Party set the that the first data requester and second data requester corresponding add the data value which equal to the first data and second data in the data unit of Second Service Party within the scheduled time.

[0012]
The present invention provides a data interaction processing method, including: the First Service Party the first data initiator based on the first data request and second data request and submit the data certificate open application, and receive the second data initiator based on the first data request and second data request respectively submit the data certificate open application;
wherein, the first data request is request that the first data requester initiates to add the request of first data value to its data unit, the second data request is request that the second data requester initiates to add the request of second data value to its data unit; based on the first data certificate open application generates the corresponding first data certificate and second data certificate, based on the second data certificate open application generates the corresponding third data certificate and fourth data certificate, and locks the first data which equal to the data value represented by first data certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the third data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate;
and deliver the first, second, third and fourth data certificate to the Second Service Party, making the Second Service Party received the first, second, third and fourth data certificate add the data value which equal to first data in the data unit of first data requester and add the data value which equal to second data in the data unit of second data requester; wherein, the Second Service Party set that the first data requester and second data requester shall respectively add the data value which equal to the first data and second data in the data unit of Second Service Party within the Date Recue/Date Received 2020-06-18 scheduled time.

[0013] A data interaction processing method of the present invention including: a Second Service Party receives the first, second, third and fourth certificate;
wherein, the first data certificate and second data certificate is generated by the First Service Party receive the first data initiator based on the first data request and second data request initiates the first data certificate open application, the third data certificate and fourth data certificate is generated by the First Service Party receive the second data initiator based on the first data request and second data request initiates the second data certificate open application, the first data request is that the first data requester initiates to add the first data value to its data unit, the second data request is that the second data requester initiates to add the second data value to its data unit;
and add the data value which equal to the first data to its data unit of first data requester and add the data value which equal to the second data to its data unit of second data requester; wherein, the Second Service Party set within the scheduled time that the first data requester and second data requester shall add the data value which equal to the first data and second data to its data unit of Second Service Party.

[0014] The present invention provides a data interaction processing method, including: the first data requesting terminal is used to request to add the first data value of first data value to its data unit; the second requesting terminal is used to request to add the second data value of second data value to its data unit; the first data initiating terminal is used to receive the first data request and second data request, and submit the first data certificate open application; the second data initiating terminal is used to receive the first data request and second data request, and deliver the second data certificate open application; the First Server is used based on the first data request and second data request respectively submit the data certificate open application, based on the first data certificate open application generate corresponding first data certificate and second data certificate, based on the second data certificate open application generate the corresponding third data certificate and fourth data certificate, and locks the first data which equal to the data value represented by the first data certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the third data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate, and deliver the first, second, third and fourth data certificate to the Second Service Party; and the Second Server is used to receive the first, second, third and fourth data certificate, and add the data Date Recue/Date Received 2020-06-18 value which equal to the first data in the data unit of first data requester and add the data value which equal to the second data in the data unit of second data requester;
wherein, the Second Service Party is set within the scheduled time that the first data requester and second data requester shall respectively add the data value which equal to the first data and second data to the data unit of Second Service Party.

[0015] The present invention provides a data interaction processing device, including: the receiving module is used to receive the first data initiator based on the first data request and second data request and submit the data certificate open application, and receive the second data initiator based on the first data request and second data request respectively submit the data certificate open application; wherein, the first data request is request that the first data requester initiates to add the request of first data value to its data unit, the second data request is request that the second data requester initiates to add the request of second data value to its data unit;
the processing module is used based on the first data certificate open application generates the corresponding first data certificate and second data certificate, based on the second data certificate open application generates the corresponding third data certificate and fourth data certificate, and locks the first data which equal to the data value represented by first data certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the third data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate; and delivery module is used to deliver the first, second, third and fourth data certificate to the Second Service Party, making the Second Service Party received the first, second, third and fourth data certificate add the data value which equal to first data in the data unit of first data requester and add the data value which equal to second data in the data unit of second data requester; wherein, the Second Service Party set that the first data requester and second data requester shall respectively add the data value which equal to the first data and second data in the data unit of Second Service Party within the scheduled time.

[0016] A data interaction processing device of the present invention including: the receiving module is used to receive the first, second, third and fourth certificate;
wherein, the first data certificate and second data certificate is generated by the First Service Party receive the first data initiator based on the first data request and second data request initiates the first data certificate open application, the third data certificate and fourth data certificate is generated by the First Date Recue/Date Received 2020-06-18 Service Party receive the second data initiator based on the first data request and second data request initiates the second data certificate open application, the first data request is that the first data requester initiates to add the first data value to its data unit, the second data request is that the second data requester initiates to add the second data value to its data unit;
and delivery module is used to add the data value which equal to the first data to its data unit of first data requester and add the data value which equal to the second data to its data unit of second data requester; wherein, the Second Service Party set within the scheduled time that the first data requester and second data requester shall add the data value which equal to the first data and second data to its data unit of Second Service Party.

[0017] The above data interaction processing method, the data interaction system, and the data processing device provided by the present invention, when first and second data initiator received the first and second data initiator initiates a data request that needs to add value to a data unit after receiving a data request, the First Service Party opens the data certificate according to the request of the data initiator and locks the corresponding data so that the Second Service Party based on the data certificate add the locked data value corresponding to the first and second data requester, and request the first, second data requester add the data value to the data unit in the Second Service Party within the schedule time. Therefore, during the process of data exchange, the First and the Second Service Party are added into the interaction process. After the data initiator sends the server for credit guarantee, the server becomes the actual data issuer, so that the data interaction is more conveniently and safely handled.
Brief Description of the Drawings

[0018] Figure 1 is a lending method in a first example of the present invention;

[0019] Figure 2 is a schematic diagram of lending relationship in the example of the present invention;

[0020] Figure 3 is a schematic flowchart of a lending method in a second example of the present invention;

[0021] Figure 4 is a schematic flowchart of a lending method in a third example of the present invention;

[0022] Figure 5 is a schematic flowchart of a lending method in a fourth example of the present invention;

Date Recue/Date Received 2020-06-18

[0023] Figure 6 is a schematic flow chart of a data interaction processing method in a first example of the present invention;

[0024] Figure 7 is a schematic diagram of data interaction in an example of the present invention;

[0025] Figure 8 is a schematic flowchart of a data interaction processing in a second example of the present invention;

[0026] Figure 9 is a schematic flowchart of a data interaction processing method in a third example of the present invention;

[0027] Figure 10 is a schematic structural diagram of a data interaction processing system in an example of the present invention;

[0028] Figure 11 is a schematic diagram of a connection relationship of data interaction in an example of the present invention;

[0029] Figure 12 is a flow chart of a data interaction processing device in a first example of the present invention; and

[0030] Figure 13 is a schematic flowchart of a data interaction processing device in a second example of the present invention.
Detailed Description

[0031] The present invention will be described in detail below with reference to the accompanying drawings and examples.

[0032] Referring to Figure 1, it is a schematic flowchart of a lending method according to a first example of the present invention. Please see Figure 2, at the same time, combined with the lending relationship diagram, the method flow shown in this example includes:

[0033] Step S10, the First Participant and Second Participant submit the first loan request and the second loan request, respectively.

[0034] Step S11, the Third Participant receives the first loan request and the second loan request, the Fourth Participant receives the first loan request and the second loan request, and then the Second Participant and the Fourth Participant submitted the first credit certificate opening application and the second credit certificate opening application to the first Funds-Management server respectively.

[0035] This letter of credit is a Bank Credit Certificate, opened for the loan initiator with his Date Recue/Date Received 2020-06-18 bank account funds or credit lines as a guarantee, and the bank promises to process payment and settlement of electronic credit certificates in accordance with the terms of the settlement.

[0036] Referring to Figure 3, further, step S10, that is, submitting a first loan request and a second loan request by the First Participant and the Second Participant, which is specifically implemented through the following steps:

[0037] Step Si Oa, the First Participant and Second Participant submit the first loan request and the second loan request respectively through a server platform.

[0038] Wherein, the server platform can be an e-commerce platform, and the First and Second Participant may also visit the e-commerce platform through an application installed in an intelligent terminal to complete the initiation of a borrowing request.

[0039] Step 11, that is, the Third Participant receives the first loan request and the second loan request, and the Fourth Participant receives the first loan request and the second loan request.
Afterwards, the Third Participant and the Fourth Participant submits the application for opening the first credit certificate and the second credit certificate to the first Funds-Management server respectively through the following steps:

[0040] Step S1 1 a, the Third Participant receives the first loan request and the second loan request through the server platform, and the Fourth Participant receives the first loan request and the second loan request through the server platform, and after that, the Third Participant and the Fourth Participant submit the first credit certificate application and the second credit certificate application to the first Funds-Management server respectively.

[0041] The Third and Fourth Participant can also visit the server platform to find and receive the lending request of the First Participant and the Second Participant.

[0042] In step S12, the First Funds-Management server opens an application to generate a first credit certificate and a second credit certificate according to the credit certificate, based on the second credit certificate open application generates corresponding first credit certificate and second credit certificate, based on the second certificate open application generates the corresponding third credit certificate and fourth credit certificate, then freezes the first funds and second funds which equal to the borrowing limit of first credit certificate and second credit certificate, and freeze the third credit certificate and fourth credit certificate in the Fourth Participant, and deliver the first, second, third and fourth credit certificate to the second Funds-Management server.

Date Recue/Date Received 2020-06-18

[0043] Step S13, after receiving the first, second, third and fourth credit certificate, deliver the funds which equal to the borrowing limit of first borrowing request to First Participant and deliver the funds which equal to the borrowing limit of second borrowing request to the Second Participant. Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant and the Second Participant.

[0044] Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First and Second Participant.

[0045] The first Funds-Management server is an account management server of the Third Participant and Fourth Participant, and the second Funds-Management server is an account management server of the First Participant and the Second Participant.

[0046] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Third Participant and Fourth Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Third Participant and Fourth Participant, or the Third Participant and Fourth Participant mortgages the real estate to the first Funds-Management server.

[0047] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0048] In the method of the present invention, the First Participant and the Second Participant are a borrower, and the Third and Fourth Participant are loan initiator.

[0049] For example, the first borrower issues a first borrowing request for borrowing 100,000 and the second borrower issues a second borrowing request for borrowing 80,000, the first loan initiator receive the two borrowing request and apply to the bank presenting the first credit certificate and second credit certificate, the second loan initiator receive the two borrowing request and present the third credit certificate and fourth credit certificate to the first bank. The value corresponding to the first, second, third, and fourth credit certificates may be set according to the credit of the initiating party of the situation and the funds allocation of the borrower, and is not specifically limited. For example, the value of the first credit certificate is 20,000, the value of the second credit certificate is 60,000, the value of the third credit certificate is equivalent to 80,000, and the value of the fourth credit certificate is 20,000. In short, the sum of the value of the first second, third and fourth certificates is equal to 180,000. The first bank freezes the funds Date Recue/Date Received 2020-06-18 in the first bank of the first loan initiator and the second loan initiator, wherein the value of the funds of the first loan freeze is equal to the sum of the first and second credit certificates, and the first bank is frozen. The value of the funds of the second loan initiator is the same as the sum of the third and fourth credit certificate. AP, respectively freezing 80,000 of the first loan initiator in bank deposits and 10,000 of the second loan initiator in bank deposits as a guarantee for the loan initiator. The second bank then disbursed 180,000 of the funds to the first borrower and the second borrower, and the borrowing by the first borrower and the second borrower succeeded.

[0050] For the loan initiator, the second loan initiator, the deposit of 100,000 in the bank are not lent to the borrower by the bank, but simply frozen by the bank. The 100,000 deposits are still in the loan initiator's account and belong to the loan party. As a result, the risk is greatly reduced and the additional benefits may also be gained because the 100,000 deposit still belongs to himself. For the borrower, it borrows from the loan initiator instead of borrowing from the bank, but the actual fund comes from the bank, and the fund is still returned to the bank. Based on the bank's solid strength and counter-force, it will strengthen self-discipline to match the loan initiator to complete the whole borrowing process and also further reduces the loan initiator's risk. And because the bank's strength has made it easier to borrow money, the borrower can easily borrow money. For the banks, the borrowed 100,000 funds borrowed by the initiate borrower were frozen 100,000 as a guarantee of storage, the risk is not borne by the bank, and because of its solid strength and counter-force, and it can guarantee the smooth completion of the loan process to some extent. After the borrowing is successfully completed, it can increase potential customers and obtain more information of the customer, and gain the additional benefits due to the whole loan process.

[0051] In the aforesaid method, the Third and Fourth Participant apply to the first Funds-Management server for issuing the credit certificate when receiving the loan request of the First and Second Participant, and the first Funds-Management server freezes the corresponding funds.
The second Funds-Management server issues the frozen funds to the First and Second Participant based on the credit certificate. As a result, the Funds-Management server is used as an intermediary platform for the four participants, the Third Participant and Fourth Participant guarantee the first Funds-Management server, and the associated second Funds-Management server issues a loan to the First and Second Participant to facilitate the First and Second Participant to apply loan online.
In addition, the second Funds-Management server monitors the repayment date of the First and Date Recue/Date Received 2020-06-18 Second Participant, thereby reducing the loan risk of the loan initiator.

[0052] Please refer to Figure 4, it is a schematic flowchart of a lending method in a third example of the present invention. The method flow shown in this example includes:

[0053] Step S20, the first Funds-Management server receives the Third Participant's application for opening the first credit certificate according to the first borrowing request and the second borrowing request of the First Participant and the Second Participant, and receives the Fourth Participant based on the first borrowing request and second borrowing request to initiates the second credit certificate open application.

[0054] Step S21, opens an application to generate a first credit certificate and a second credit certificate according to the first credit certificate, based on the second credit certificate open application generates corresponding first credit certificate and second credit certificate, based on the second certificate open application generates the corresponding third credit certificate and fourth credit certificate, then freezes the first funds and second funds which equal to the borrowing limit of first credit certificate and second credit certificate in the Third Participant, and freeze the third funds and fourth funds which equal to borrowing limit of the third credit certificate and fourth credit certificate

[0055] This letter of credit is a Bank Credit Certificate, opened for the loan initiator with his bank account funds or credit lines as a guarantee, and the bank promises to process payment and settlement of electronic credit certificates in accordance with the terms of the settlement.

[0056] Step S22, deliver the first, second, third and fourth certificate to the second Funds-Management server, so that after receiving the first, second, third and fourth credit certificate, deliver the funds which equal to the borrowing limit of first borrowing request to First Participant and deliver the funds which equal to the borrowing limit of second borrowing request to Second Participant. Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant and the Second Participant.

[0057] The first Funds-Management server is an account management server of the Third Participant and Fourth Participant, and the second Funds-Management server is an account management server of the First Participant and the Second Participant.

[0058] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Third Participant and Fourth Participant in Date Recue/Date Received 2020-06-18 the first Funds-Management server or a credit limit given by the first Funds-Management server to the Third Participant and Fourth Participant, or the Third Participant and Fourth Participant mortgages the real estate to the first Funds-Management server.

[0059] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0060] In the method of the present invention, the First Participant and the Second Participant are a borrower, and the Third and Fourth Participant are loan initiator.

[0061] Referring to Figure 5, it is a schematic flowchart of an online lending method in a fourth example of the present invention. The method flow shown in this example includes:

[0062] Step S30, the second Funds-Management server receives the first, second, third and fourth credit certificate. Wherein, the first credit certificate and second credit certificate is generated by the first Funds-Management server and the first Funds-Management server receives the Third Participant based on the First Participant and Second Participant respectively submit the first borrowing request and second borrowing request and initiates the first credit certificate, the third credit certificate and fourth credit certificate is generated by the first Funds-Management server and the first Funds-Management server receives the Fourth Participant based on the First Participant and Second Participant respectively submit the first borrowing request and second borrowing request and initiates the second credit certificate.

[0063] Step S31, deliver the funds which equal to the borrowing limit of first borrowing request to First Participant and deliver the funds which equal to the borrowing limit of second borrowing request to the Second Participant. Wherein the second Funds-Management server sets the repayment time of the issued funds and monitors the repayment date of the First Participant and the Second Participant.

[0064] The first Funds-Management server is an account management server of the Third Participant and Fourth Participant, and the second Funds-Management server is an account management server of the First Participant and the Second Participant.

[0065] In the present example, the first Funds-Management server is the first bank's Funds-Management server, and the second Funds-Management server is the second bank's Funds-Management server. The frozen fund is a deposit of the Third Participant and Fourth Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Third Participant and Fourth Participant, or the Third Participant and Fourth Participant Date Recue/Date Received 2020-06-18 mortgages the real estate to the first Funds-Management server.

[0066] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0067] In the method of the present invention, the First Participant and the Second Participant are a borrower, and the Third and Fourth Participant are loan initiator.

[0068] Please refer to Figure 6, it is a schematic flowchart of a data interaction processing method according to a first example of the present invention. Please see Figure 7 at the same time, the data interaction relationship diagram. The method flow shown in this example includes:

[0069] Step S40, the first data requester proposes a first data request that needs to add a first data value to its data unit and the second data requester proposes a second data request that needs to add a second data value to its data unit;

[0070] Specifically, the first data requester and second data requester initiates a data request through the First Server platform.

[0071] Step S41, the first data initiator receives the first data request and the second data request, submits the first data certificate establishment request to the First Service Party, and the second data initiator receives the first data request and the second data request submits the second data certificate opening application to the First Service Party.

[0072] Specifically, the first data initiator and the second data initiator open a data certificate opening application through the Second Service Party platform.

[0073] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[0074] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requester may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request. The first data initiator and the second data initiator respond to the data request through the e-commerce platform to open the data certificate.

[0075] Step S42, the First Service Party opens an application to generate a corresponding first data certificate and a second data certificate according to the data certificate, and locks, in the data unit of the first data initiating party, the first data certificate represented by the first data certificate, and locking the second data in the data unit of the second data initiator equal to the data value represented by the second data certificate and sending the first data certificate and the second data Date Recue/Date Received 2020-06-18 certificate to Second Service Party. Step S42, the First Service Party opens an based on the first data certificate open application generates the corresponding first data certificate and second data certificate, based on the second data certificate open application generates the corresponding third data certificate and fourth data certificate, and locks the first data which equal to the data value represented by the first data certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the third data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate, and deliver the first, second, third and fourth data certificate to the Second Service Party.

[0076] Step S43, the Second Service Party receives the first, second, third and fourth data certificate, adds the data value that is equal to the data value of the first data in the data unit of the first data requester, and adds the data value that is equal to the data value of the second data in the data unit of the second data requester. Wherein, the Second Service Party is set that the first data requester and the second data requester shall add data values equal to the data size of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[0077] The data interaction processing method in the example of the present invention is described below by way of example.

[0078] For example, the first data requester is User Al, the second data requester is User A2, the first data initiator is User B 1, and the second data initiator is User B2. User B 1, B2 is an administrator for more than one client and has a corresponding password for each client for administrator privileges. Clients can be personal computers, tablets, smart phones and other devices that can exchange data with servers through the network. When the User Al, A2 initiates a corresponding data request through the First Server platform, the first data request is a partial password for requesting administrator's authority of the Client 2, and the second data request is another partial password for requesting administrator's authority of the Client 2.

[0079] When receiving the first data request, the User Bl and B2 apply to the First Service Party to open the data certificate through the Second Server platform.
Wherein, User B 1, B2's administrator password is saved in the Second Service Party, and for each client, the corresponding administrator privileges have different levels of importance. For example, Client 1 is a corporate server, Client 2 is a tablet, Client 3 is a personal computer, Client 4 is a mobile phone, and Client is a smart TV. Therefore, you need to set the importance level of the client's administrator Date Recue/Date Received 2020-06-18 privileges from high to low: Client 1, Client 3, Client 2, Client 4, Client 5.
When User Bl, B2 agrees to give the administrator rights of Client 2 to User Al, A2, the corresponding data certificate is provided to the First Service Party. The data certificate may be an operation log when the User Bl and B2 manage the Client 2, so as to prove the security and reliability of the User Bl and B2.

[0080] When the First Service Party receives the data certificate submitted by the User Bl, B2, the First Service Party blocks the administrator right of the User Bl, B2 on the Client 2 according to the relevant contents of the data certificate, that is, the User Bl, B2 can not use the corresponding password to manage the Client 2. At the same time, the Second Service Party sends two passwords of the administrator's right of the Client 2 to the User Al, A2 according to the data certificate sent by the First Service Party. And, the Service Party can set the time when User Al and A2 returns the administrator authority of Client 2 for two passwords, and time for returning the two passwords can be the same or different. For example, the Second Service Party provider sets User Al needs to return the part password of administrator right of Client 2 to User B1 within a month, and User A2 needs to return another password of administrator right of Client 2 to User B2 within four months.

[0081] When User Al and A2 return the administrator right of corresponding client to the Second Service Party within the specified time, the First Service Party release User Bland B2 to administrator right of Client 2, and User Al and A2 can no longer manage Client 2 using the corresponding password. When User Al and A2 does not return the administrator authority of client to the Service Party at the specified time, the Service Party sends a notification to User Al and A2 to prompt him to return the administrator's rights. If the Second Service Party does not receive the administrator rights of the client returned by the User Al, A2 over a certain period of time, the User Bl, B2's administrator rights on the Client 2 are completely cancelled.

[0082] In the above, when the User Bl, B2 (data initiator) receives a request from the User Al, A2 (data requester) for obtaining the administrator authority password of the corresponding client, the First Service Party notifies the Second Service Party according to the data certificate submitted by the User Bl, B2 sends client's password to User Al, A2. On the one hand, User Bland B2 give the administrator authority to User Al and A2 through the server for risk control, and User Bl, B2's data certificate is required as a guarantee that administrator rights will not be arbitrarily transferred. On the other hand, when User Al and A2 return or fail to return the administrator rights on time, the server can notify User Al and A2 to promptly return or cancel the Date Recue/Date Received 2020-06-18 User Bland B2's administrator rights so as to ensure every administrator's safety of the client terminal and not to cause the client's data Management confusion, and avoid the risk of client data security issues.

[0083] Further, the requested data may also be text data, audio data, video data, program data or financial data in the financial field. In the case of financial data, for an example, funds, the data requester is the borrower at this time, the data initiator is the lender of the loan, and the server is the Funds-Management server, for example, a bank. If it is audio data, such as a song, the data requester and the data initiator may be clients with multimedia playing functions such as mobile phones, and the server is a music website server.

[0084] Please refer to Figure 8, it is a data interaction processing method according to the second example of the present invention, the method and process including:

[0085] Step S50, the First Service Party receives an application for data certificate separately submitted by the first data initiator according to the first data request and the second data request, and receives the data certificate submitted by the second data initiator according to the first data request and the second data requests submitted separately for the data certificate to open the application. Wherein the first data request is a request from the first data requester to initiate the addition of the first data value to its data unit; the second data request is a request from the second data requester to initiate the addition of the second data value to its data unit

[0086] Specifically, the data requester respectively initiates a data request of the first and second data through the First Server platform. The first data initiator and the second data initiator apply to the server through the Second Server platform for opening a data certificate.

[0087] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[0088] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requesting party may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request.
The data initiator responds to the data request through the e-commerce platform to open the data certificate.

[0089] Step S42, based on the first data certificate open application generates the corresponding first data certificate and second data certificate, based on the second data certificate open application generates the corresponding third data certificate and fourth data certificate, and Date Recue/Date Received 2020-06-18 locks the first data which equal to the data value represented by the first data certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the first data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate.

[0090] Step S52, deliver the first, second, third and fourth data certificate to the Second Service Party, after the Second Service Party receives the first, second, third and fourth data certificate, adds the data value equal to the first data to the first data requester data unit and adds the data value equal to the second data to the second data requester data unit. Wherein, the Second Service Party is set that the first data requester and the second data requester shall add data values equal to the data size of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[0091] Please refer to Figure 9, it is a data interaction processing method according to a third example of the present invention. The method and process shown in this example includes:

[0092] In step S60, the Second Service Party receives the first, second, third and fourth data certificate. Wherein, the first data certificate and second data certificate is generated by the First Service Party and received the first data initiator based on the first data request and second data request initiates the first data certificate open application, the third data certificate and fourth data certificate is generated by the First Service Party and received the second data initiator based on the first data request and second data request initiates the second data certificate open application, the first data request is that the first data requester initiates the request to add the request of first data value to its data unit, the second data request is that the second data requester initiates the request to add the request of second data value to its data unit.

[0093] Step S61, adds the data value equal to the data size of the first data in the data unit of the first data requester and add data value equal to the second data size in the data unit of the second data requester respectively. Wherein, the Second Service Party is set that the first data requester and the second data requester shall add data values equal to the data size of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[0094] Please refer to Figure 10 and 11, it is a schematic diagram of a data interaction processing system according to an example of the present invention. The System 70 shown in this example includes a first data requesting Terminal 71, a second data requesting Terminal 72, a first Date Recue/Date Received 2020-06-18 data initiating Terminal 73, a second data initiating Terminal 74, and a First Server 75 and Second Sever 76.

[0095] This first data request Terminal 71 is used to initiate a first data request that needs to add a first data value to its data unit.

[0096] This second data request Terminal 72 is used to initiate a second data request that needs to add a second data value to its data unit.

[0097] The first data initiating Terminal 73 is used to receive the first data request and the second data request and submit a first data certificate opening application.

[0098] The second data initiating Terminal 74 is used to receive the first data request and the second data request and submit a second data certificate opening application.

[0099] Wherein, the first data request Terminal 71 and the second data request Terminal 72 initiate a first data request of the first data through the First Server platform.

[0100] The first data initiating Terminal 73 and the second data initiating Terminal 74 are configured to receive the data request from the data requester, and submit the data certificate open application to the server respectively.

[0101] Specifically, the first data initiating Terminal 73 and the second data initiating Terminal 74 open the data certificate to the First Server 75 through the Second Server platform.

[0102] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[0103] Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the first data requesting terminal 71 and the second data requesting Terminal 72 may also access the e-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request. The first data initiating Terminal 73 and the second data initiating Terminal 74 respond to the data request through the e-commerce platform to open the data certificate.

[0104] The First Server 75 is used to receive an application for data certificate separately submitted by the first data initiating Terminal 73 according to the first data request and the second data request, and receive the data certificate application created by the second data initiating Terminal 74 according to the first data request and the second data request separately submits the data certificate opening application, the first data certificate opening application is generated corresponding to the first data certificate and the second data certificate, and the second data Date Recue/Date Received 2020-06-18 certificate open application is generated corresponding to the third data and the fourth data certificate and locks the first data in the data unit of the first data initiating Terminal 73 that is equal to the data value represented by the first data certificate and the data value that is equal to the data value represented by the second data certificate, and fourth data that locks in the data unit of the second data initiating Terminal 74 equal to the data value represented by the third data certificate and fourth data equal to the data value represented by the fourth data certificate, and sends the first, second, third, fourth data certificate to the Second Server 76.

[0105] The Second Server 75 is used to receive the first, second, third and fourth data certificate and the second data certificate, and adds a data value equal to the first data in the data unit of the first data request Terminal 71 and adds a data value equal to the second data size in the data unit of the second data request Terminal 72. Wherein the Second Server 76 is set to add data values equal to the first data size and the second data size to the data unit of the first data request Terminal 71 and the second data request Terminal 72 in the Second Server 76 within a scheduled time.

[0106] Please refer to Figure 12, which is a data interaction processing device according to a first example of the present invention. The data interaction processing Device 80 shown in this example includes a receiving module 81, a processing module 82, and a releasing module 83. In the present example, the Device 80 operates in a banking system.

[0107] The receiving module 81 is configured to receive an application for data certificate separately submitted by the first data initiator according to the first data request and the second data request, and receives the data certificate submitted by the second data initiator according to the first data request and the second data requests submitted separately for the data certificate to open the application. Wherein the first data request is a request from the first data requester to initiate the addition of the first data value to its data unit; the second data request is a request from the second data requester to initiate the addition of the second data value to its data unit

[0108] Specifically, the data certificate receiving module 81 receives the data certificate opened by the first data initiator through a server platform.

[0109] The First Server 82 is used based on the first data certificate open application generates the corresponding first data certificate and second data certificate, based on the second data certificate open application generates the corresponding third data certificate and fourth data certificate, and locks the first data which equal to the data value represented by the first data Date Recue/Date Received 2020-06-18 certificate in the data unit of first data initiator and second data which equal to the data value represented by the second data certificate, and locks the third data which equal to the data value represented by the first data certificate in the data unit of second data initiator and fourth data which equal to the data value represented by the fourth data certificate.

[0110] The issuing module 83 is used to deliver the first, second, third and fourth data certificate to the Second Service Party, after the Second Service Party receives the first, second, third and fourth data certificate, adds the data value equal to the first data to the first data requester data unit and adds the data value equal to the second data to the second data requester data unit.
Wherein, the Second Service Party is set that the first data requester and the second data requester shall add data values equal to the data size of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[0111] Please refer to Figure 13, it is a data interaction processing apparatus according to a second example of the present invention. The data interaction processing apparatus 90 shown in this example includes a receiving module 91 and an issuing module 92. In the present example, the Device 90 operates in a banking system.

[0112] The receiving module 91 is used to receive first, second, third and fourth data certificates. Wherein, the first data certificate and second data certificate is generated by the First Service Party and received the first data initiator based on the first data request and second data request initiates the first data certificate open application, the third data certificate and fourth data certificate is generated by the First Service Party and received the second data initiator based on the first data request and second data request initiates the second data certificate open application, the first data request is that the first data requester initiates the request to add the request of first data value to its data unit, the second data request is that the second data requester initiates the request to add the request of second data value to its data unit.

[0113] The issuing module 92 is used to add a data value equal to the first data size and the second data size to the data request terminal data unit. Wherein, the Second Service Party is set that the first data requester and the second data requester shall add data values equal to the data size of the first data and the second data to the data unit in the Second Service Party within a scheduled time.

[0114] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only Date Recue/Date Received 2020-06-18 solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.

[0115] In the data interaction processing method, the data interaction system, and the data processing device provided by the present invention, when a data initiator initiates a data request that needs to add a first value to a data unit thereof after receiving a data request, the First Service Party opens the data certificate according to the request of the data initiator and locks the corresponding first data so that the Second Service Party adds the value of the first data to the data requester according to the data certificate and requests the data requester adds the value of the first data to the Second Service Party data unit within a schedule time. The above data interaction processing method, the data interaction system, and the data processing device provided by the present invention, when first and second data initiator received the first and second data initiator initiates a data request that needs to add value to a data unit after receiving a data request, the First Service Party opens the data certificate according to the request of the data initiator and locks the corresponding data so that the Second Service Party based on the data certificate add the locked data value corresponding to the first and second data requester, and request the first, second data requester add the data value to the data unit in the Second Service Party within the schedule time.
Therefore, during the process of data exchange, the First and the Second Service Party are added into the interaction process. After the data initiator sends the server for credit guarantee, the server becomes the actual data issuer, so that the data interaction is more conveniently and safely handled.

[0116] In the above examples, the present invention has been exemplary described only, but various modifications to the present invention can be made by those skilled in the area after reading this patent application without departing from the scope of the present invention.

Date Recue/Date Received 2020-06-18

Claims

Claims:

1. An online lending method including a first funds-management server, a second funds-management server, a first participant, a second participant, a third participant and a fourth participant, wherein the method comprises:
the third participant receives a first loan request and a second loan request respectively submitted by the first participant and the second participant;
the fourth participant receives the first loan request and the second loan request respectively submitted by the first participant and the second participant;
a first funds-management server generates a first credit certificate and a second credit certificate according to a new first credit certificate application submitted by the third participant and a third credit certificate and a fourth credit certificate according to a new second credit certificate application submitted by the fourth participant; and the first funds-management server freezes the first funds equal to loan amount of the first credit certificate and the second funds equal to loan amount of the second credit certificate respectively in the third participant and the third funds equal to loan amount of the third credit certificate and the fourth funds equal to loan amount of the fourth credit certificate respectively in the fourth participant.

2. The method of claim 1 further comprising:
a second funds-management server issues the amount of funds equal to the amount of funds of the first loan request to the first participant and the amount of funds equal to the amount of funds of the second loan request to the second participant after receiving the first credit certificate, the second credit certificate, the third credit certificate and the fourth credit certificate; and the second funds-management server sets repayment times for the issued funds for monitoring repayment dates of the first participant and the second participant.

3. The method of any one of claims 1 to 2, wherein the first funds-management server is an account management server of the third participant and an account management server of the fourth participant on the first bank's funds-management server.

4. The method of any one of claims 1 to 3, wherein the second funds-management server is account management servers of the first participant and the second participant.

5. The method of any one of claims 1 to 4, wherein the first funds-management server and the second funds-management server are the same funds-management server.

6. The method of claim 1, wherein the first participant and the second participant submitting the first loan request and the second loan request to the third participant and the fourth participant respectively also comprising:
the first participant and the second participant submit the first loan request and the second loan request respectively through a server platform.

7. The method of any one of claims 1 to 6, where after the third participant and the fourth participant respectively receiving the first loan request and the second loan request further comprising:
the third participant submits a new first credit certificate application to the first funds-management server;
the fourth participant submits a new second credit certificate application to the first funds-management server.

8. The method of any one of claims 1 to 7, wherein the frozen funds are deposit of the third participant and the fourth participant respectively on the first funds-management server.

9.
The method of any one of claims 1 to 8, wherein the frozen funds are credit limit of the third participant and the fourth participant respectively approved by the first funds-management server.

10. The method of any one of claims 1 to 9, wherein the frozen funds are the funds corresponds to a real estate mortgaged by third participant and the fourth participant respectively on the first funds-management server.

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

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

13. The method of any one of claims 1 to 12, wherein the third participant is a lender of a loan.

14. The method of any one of claims 1 to 13, wherein the third participant is a lender of a loan.

15. The method of any one of claims 1 to 13, wherein the repayment times are pre-set the same date.

16. The method of any one of claims 1 to 13, wherein the repayment times are pre-set different dates.

17. An online lending method applied in a first funds-management server, the method comprising:
receiving a new first credit certificate application submitted by a third participant according to a first loan request and a second loan request respectively submitted by a first participant and a second participant and a new second credit certificate application submitted by a fourth participant according to a first loan request and a second loan request respectively submitted by a first participant and a second participant;
generating a first credit certificate and a second credit certificate according to the new first credit certificate application submitted by the third participant and a third credit certificate and a fourth credit certificate according to the new second credit certificate application submitted by the fourth participant; and freezing the first funds equal to loan amount of the first credit certificate and the second funds equal to loan amount of the second credit certificate respectively in the third participant and the third funds equal to loan amount of the third credit certificate and the fourth funds equal to loan amount of the fourth credit certificate respectively in the fourth participant.

18. The method of claim 17, wherein the second funds-management server issues the amount of funds equal to the amount of funds of the first loan request to the first participant and the amount of funds equal to the amount of funds of the second loan request to the second participant after receiving the first credit certificate, the second credit certificate, the third credit certificate and the fourth credit certificate.

19. The method of any one of claims 17 to 18, wherein the second funds-management server sets repayment times for the issued funds for monitoring repayment dates of the first participant and the second participant.

20. The method of any one of claims 17 to 19, wherein the first funds-management server is an account management server of the third participant and an account management server of the fourth participant on the first bank's funds-management server.

21. The method of any one of claims 17 to 20, wherein the second funds-management server is account management servers of the first participant and the second participant.

22. The method of any one of claims 17 to 21, wherein the first funds-management server and the second funds-management server are the same funds-management server.

23. The method of claim 17, wherein the first participant and the second participant submitting the first loan request and the second loan request to the third participant and the fourth participant respectively also comprising:
the first participant and the second participant submit the first loan request and the second loan request respectively through a server platform.

24. The method of any one of claims 17 to 23, where after the third participant and the fourth participant respectively receiving the first loan request and the second loan request further comprising:
the third participant submits a new first credit certificate application to the first funds-management server;
the fourth participant submits a new second credit certificate application to the first funds-management server.

25. The method of any one of claims 17 to 24, wherein the frozen funds are deposit of the third participant and the fourth participant respectively on the first funds-management server.

26. The method of any one of claims 17 to 25, wherein the frozen funds are credit limit of the third participant and the fourth participant respectively approved by the first funds-management server.

27. The method of any one of claims 17 to 25, wherein the frozen funds are the funds corresponds to a real estate mortgaged by third participant and the fourth participant respectively on the first funds-management server.

28. The method of any one of claims 17 to 27, wherein the first participant is a borrower.

29. The method of any one of claims 17 to 28, wherein the second participant is a borrower.

30. The method of any one of claims 17 to 29, wherein the third participant is a lender of a loan.

31. The method of any one of claims 17 to 30, wherein the third participant is a lender of a loan.

32. The method of any one of claims 17 to 31, wherein the repayment times are pre-set the same date.

33. The method of any one of claims 17 to 32, wherein the repayment times are pre-set different dates.