CA3150706A1

CA3150706A1 - Lending method, and data interaction processing method, device and system

Info

Publication number: CA3150706A1
Application number: CA3150706A
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: CA3062494A1; CA2987445A1; CA3062494C; WO2016191926A1

Abstract

A lending method comprising: according to a borrowing request of a second participant, a first participant applies to a first funds management server to open an electronic commitment payment certificate which is less than borrowing value requested by the second participant; according to the electronic certificate opened by the first server, said server freezes funds of the first participant which are equal to the value of electronic certificate; a second funds management server receives the electronic certificate opened by the first server, grants first funds to the second participant which are equal to the value of the electronic certificate, and third server grants second funds to the second participant according to a remainder borrowing request initiated by the second participant; the first and second funds are set by the second server to be returned within a preset time. The present invention reduces die lending risk for a lender.

Description

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] 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.

[0003] Take a user processing the data in his daily life as an example, when a user applies for a loan, a loan may be directly borrowed between an individual and individual or an individual borrows from a bank. However, the borrowing activity between individuals and individuals is usually agreed by the borrower and the lender through the oral or written agreement. After the borrower provides the borrower's assets, due to the lack of financial guarantee and regulatory mechanism, it have brought great risk to the lender. And the problems of the loan activity between individuals and banks are complex process of collecting individual information, more manual intervention and banks also need to bear the financial risk. Therefore, it is need to provide a new borrowing method and data interaction processing mechanism to meet users' needs for online borrowing.
Summary

[0004] The main technical problem of the invention is to provide a borrowing method, a data interaction processing method, an apparatus and a system, which can reduce the risk of data interaction (loan).

[0005] In order to solve the above technical problems, a technical solution adopted in this invention is to provide a lending method, including: According to a loan request of a Second Date Recue/Date Received 2022-03-02 Participant, a First Participant applies to a first Funds-Management server for generating and issuing an electronic commitment payment certificate; Wherein the value of the electronic commitment payment certificate is less than the value of the loan requested by the Second Participant, and the First Participant use the account funds or the credit limit as the deposit to apply to the first Funds-Management server and the first Funds-Management server set the account; the first Funds-Management server freeze the equal value funds of the electronic commitment payment certificate which the First Participant is involved according to the electronic commitment payment certificate opened by the First Funds-Management server; The Second Funds-Management server receives the electronic commitment payment certificate opened by the first Funds-Management server and issuing the first fund with equal value to the electronic commitment payment certificate to the Second Participant; wherein, A first fund is set by the second Funds-Management server to be returned within a predetermined time; and a Third Participant transfers the funds to the Second Participant through third Funds-Management server according to the remaining loan request delivered by Second Participant, and issuing a second funds to the Second Participant through a third Funds-Management server, wherein the sum of the first funds and the second funds is equal to the loan value requested, and the first funds and the second funds have set the predetermined repay time by the second Funds-Management server.

[0006] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a borrowing method, including: the first Funds-Management server receives the electronic commitment payment certificate which the First Participant has applied for and is less than the loan value requested by the Second Participant based on the loan request; wherein the accounts funds and credit line of the electronic commitment payment certificate are used as the deposit to apply to the first Funds-Management server for opening by the first Funds-Management server; according to the electronic commitment payment certificate, the funds of First Participant is equal to the value of the electronic commitment payment certificate;
sending the electronic commitment payment certificate to the second Funds-Management server, making the second Funds-Management server issuing the first funds equal value to the electronic commitment payment certificate to the Second Participant; wherein, the first fund issued by the second Funds-Management server is set to returned within a scheduled time.

[0007] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a lending method, where the method including: the second Date Recue/Date Received 2022-03-02 Funds-Management server receives the electronic commitment payment certificate issued by first Funds-Management server according to an application of a First Participant;
And the application is issued to the first Funds-Management server for the loan request of the Second Participant, the value of the electronic commitment payment certificate is less than the borrowed value requested by the Second Participant and the accounts funds and credit line of the First Participant are used as the deposit to apply to the first Funds-Management server for opening by the first Funds-Management server, making the Second Participant issuing the first funds equal value to the electronic commitment payment certificate; according to the remaining loan request of the Second Participant, issue the second funds to the Second Participant; wherein the sum of the first funds and the second funds is equal to the loan value of the said loan request, and the first funds and the second funds have set the predetermined repay time by the said Funds-Management server.

[0008] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: the first data initiator initiates a request that needs to add a first data value to its data unit to the First Service Party based on the first data initiator and the First Service Party opens a data certificate smaller than the first data value according to an application of the first data initiator;
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; the First Service Party based on the data certificate opened by the First Service Party locks the data unit of the first data initiator and the first part of the data which is equal to the data value represented by the data certificate; a Second Service Party receiving the data certificate opened by the First Service Party and adding data values equal to the data of the first part to the data requested party data unit; the Second Service Party is set to add data values equal to the data size of the first part of the data unit to the second service data unit within the scheduled time; the Second Service Party requests data requests for data value equal to the data size of the second part based on the data requested by the data requestor; the data unit of the data requestor add the value equal to the data of the second part;
wherein, the sum of the data valuesof the first part data and the second part data is the first data value.

[0009] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing system, where the system including:
the data request terminal, configured to initiate a first data request that needs to add a first data value to its data unit; the first data initiator terminal is used to request a First Service Party to open Date Recue/Date Received 2022-03-02 a data certificate based on the first data request; the First Server is used to open a data certificate that the value is less than the first data according to the application. Based on the established data certificate, locking the first part of data which is equal to the data value represented by data certificate in the data unit of first data initiator terminal; wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator terminal and the First Server; the Second Server is used to receive the data certificate opened by the First Server and adding data values equal to the data of the first part to the data unit of the data requester; the request is that adding data values equal to the data of the second part to the data unit of the data requester, according to the request, add the data value that is equal to data of the second part to the data unit of the data requester; wherein, the sum of the first part data and the second part data is the first data value; the Second Server sets that the data requester shall add the data value that is equal to the first data size to the data unit of the Second Server within the predetermined time.

[0010] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method including: according to the data requestor received by the First Service Party, the First Service party initiates a first data request to add a first data value to its data unit and open a data certificate which value is less than the first data; 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;
based on the data certificate opened by the First Service Party locks the data unit of the first data requestor and the first part of the data which is equal to the data value represented by the data certificate; and the data certificate is delivered to the Second Service Party to increase the data value which is equal to the data in the first part to the data unit in the data requestor, the Second Service Party is set to add data value equal to the data of the first part of the data unit to the second service data unit within the scheduled time.

[0011] In order to solve the above technical problem, another technical apparatus adopted by the present invention is to provide a data interaction processing apparatus, where the apparatus including: according to the data requestor received by the First Service Party, the First Service party initiates a first data request to add a first data value to its data unit and open a data certificate which value is less than the first data; wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data requestor and the First Service Party;

Date Recue/Date Received 2022-03-02 based on the data certificate opened by the First Service Party locks the data unit of the first data initiator and the first part of the data which is equal to the data value represented by the data certificate; and the data certificate is delivered to the Second Service Party to increase the data value which is equal to the data in the first part to the data unit in the data requestor, the Second Service Party is set to add data value equal to the data of the first part of the data unit to the second service data unit within the scheduled time.

[0012] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes:
the data certificate requested and set by the Second Service Party based on the First Service Party;
wherein the application is issued for the first data initiator to receive that the data requester is requested to add a first data value to its data unit, the value of the data certificate is smaller than the first data and are quantitative tools for the pre-established data association relationship between the first data initiator and the First Service Party; adding the data which is equal to data in the first part data to the data unit of data requester; adding the data which is equal to data in the second part data to the data unit of data requester, according to the data request, add the data which is equal to data in the second part data to the data unit of data requester; wherein the sum of the first part data and the second part data is the first data value; the Second Server is set that the data requester shall add the data value that is equal to the first data size to the data unit of the Second Server.

[0013] In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes:
the receiving module, is used to receive the data certificate requested and set by the Second Service Party based on the application of the first data initiator; wherein the application is issued for the first data initiator to receive that the data requester is requested to add a first data value to its data unit, the value of the data certificate is smaller than the first data and are quantitative tools for the pre-established data association relationship between the first data initiator and the First Service Party; the issuing module, is used for adding the data which is equal to data in the first part data to the data unit of data requester; adding the data value that is equal to the data size of the second part, according to the data request initiated by the data requester, add the data value that is equal to the data size of the second part; wherein the sum of the first part data and the second part data is the first data value; the Second Server is set to add data value equal to the data of the first data unit to the Second Server data unit within the scheduled time.
Date Recue/Date Received 2022-03-02

[0014] In the above scheme, during the data interaction process, since the service party is added to the data initiator (loan requester) and the data requestor (borrower), and the relationship between data initiator and the service party, the service party and the data requestor are established, it provides data monitoring and data feedback for the data interaction between the data initiator and the data requestor so as to improve data security and data exchange stability.
Brief Description of the Drawings

[0015] Figure 1 is a lending method in a first example of the present invention;

[0016] Figure 2 is a schematic flowchart of a lending method in a second example of the present invention;

[0017] Figure 3 is a schematic flowchart of a lending method in a third example of the present invention;

[0018] Figure 4 is a schematic flowchart of a lending method in a fourth example of the present invention;

[0019] Figure 5 is a schematic flow chart of a data interaction processing method in a first example of the present invention;

[0020] Figure 6 is a schematic flowchart of a data interaction processing in a second example of the present invention;

[0021] Figure 7 is a schematic flowchart of a data interaction processing method in a third example of the present invention;

[0022] Figure 8 is a schematic structural diagram of a data interaction processing system in an example of the present invention;

[0023] Figure 9 is a schematic structural diagram of a data interaction processing device in a first example of the present invention;

[0024] Figure 10 is a schematic structural diagram of a data interaction processing device in a second example of the present invention.
Detailed Description

[0025] The present invention will be described in detail below with reference to the accompanying drawings and examples.

[0026] Referring to Figure 1, it is a schematic flowchart of a borrowing method according to Date Recue/Date Received 2022-03-02 a first example of the present invention. The method flow shown in this example includes the following steps:

[0027] Step S10, the First Participant applies to the first Funds-Management server for opening an electronic commitment payment certificate according to the borrowing request of the Second Participant. Wherein the value of the electronic commitment payment certificate is less than the value of the borrowing requested by the Second Participant and the First Participant applies to the first Funds-Management server for its account funds or credit line as a guarantee and is opened by the first fund Funds-Management server.

[0028] In the method of the present invention, the First Participant is a loan initiator, and the Second Participant is a borrower.

[0029] Referring to Figure 2, further, step S10, that is, the First Participant applies to the first Funds-Management server for opening the electronic commitment payment certificate according to the borrowing request of the Second Participant, specifically by the following steps:

[0030] Step Si Oa, the Second Participant initiates the borrowing request through a server platform.

[0031] Wherein, the server platform can be an e-commerce platform, and the borrower may also visit the e-commerce platform through an application installed in an intelligent terminal to complete the initiation of a borrowing request.

[0032] Step SlOb, the First Participant receives the borrowing request, and applies to the first Funds-Management server according to the borrowing request, and the electronic commitment payment certificate generated and issued by the first Funds-Management server.

[0033] The loan initiator can also visit the server platform to find and receive the borrowing request of the borrower. Further, the loan initiator can check loan requests initiated by a several borrowers through the server platform, and select a suitable request to receive.

[0034] Step Sll, the first Funds-Management server, according to the electronic commitment payment certificate opened by the first Funds-Management server, freezes the value of First Participant's funds which is equal to the electronic commitment payment certificate.

[0035] The frozen fund is a deposit of the Second Participant in the first Funds-Management server or a credit limit given by the first Funds-Management server to the Second Participant, or the Second Participant mortgage the real estate to the first Funds-Management server.

[0036] Step S12, the second Funds-Management server receives the electronic commitment Date Recue/Date Received 2022-03-02 payment certificate opened by the first Funds-Management server and issues the first fund to the equal value of the electronic commitment payment certificate to the Second Participant. Wherein the issued first fund is set by the second Funds-Management server to be returned within a predetermined time.

[0037] In the present example, the first Funds-Management server is a first bank Funds-Management server, and the second Funds-Management server is a Funds-Management server of a second bank.

[0038] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0039] Step S13, the second Funds-Management server issues the second fund to the Second Participant according to the remaining borrowing request initiated by the Second Participant. The sum of the value of the first fund and the second fund is equal to the value of the loan requested for borrowing. The first fund and the second fund are set by the second Funds-Management server to be returned within a predetermined time.

[0040] Further, the second Funds-Management server conducts a credit evaluation for the second participant. If the result of the credit evaluation is passed, the second Funds-Management server issues the second funds to the second participant.

[0041] For example, the borrower issues a borrowing request for a loan of 100,000. After receiving the borrowing request, the loan initiator applies to the first bank for opening an electronic commitment payment certificate and the value of the electronic commitment payment certificate issued by the application is only 60,000. The first bank freezes the funds of the loan initiator of the loan in this first bank, wherein the value of the frozen funds equal to the value of the electronic commitment payment certificate. For example, freezing 60,000 of the loan initiator in bank deposits as a guarantee for the loan initiator. The second bank then receives the electronic commitment payment certificate issued by the first bank and issues 60,000 of the funds to the borrower. The borrower requests the second bank for the remaining 40,000 loans, at which time the second bank issues 40,000 to the borrower when the credit rating is passed.

[0042] For the loan party, the deposit of 60,000 in the bank are not lent to the borrower by the bank, but simply frozen by the bank. The 60,000 deposits are still in the loan party's account and belong to the loan party. As a result, the risk is greatly reduced and the additional benefits may also be gained because the 60,000 deposit still belongs to himself. For the borrower, it borrows Date Recue/Date Received 2022-03-02 from the loaner instead of borrowing from the bank, but the actual fund comes from the bank, and the fund is still returned to the bank. Based on the bank's solid strength and enforcement, it is able to discipline the entire lending process between a borrower and a lender under the control to reduce lender'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 lent funds of 60000 borrowed by the loan party were frozen 60,000 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.

[0043] In the above solution, when receiving Second Participant's borrowing request, the First Participant applies to the first Funds-Management server for opening an electronic commitment payment certificate less than the requested borrowing value, the first Funds-Management server freezes the funds of the First Participant that is less than the value of the electronic commitment payment certificate, and the second Funds-Management server issues funds to the Second Participant that is equal to the requested loan according to the electronic commitment payment certificate; meanwhile, the second Funds-Management server issues the remaining loan to the Second Participant. Thus, using the Funds-Management server as an intermediary platform between the Second Participant and the First Participant, the First Participant guarantees to the Funds-Management server and the Funds-Management server issues the loan to the Second Participant, thereby reducing the risk of the lending process.

[0044] Please refer to Figure 3, it is a schematic flowchart of a borrowing method in a third example of the present invention. The method flow shown in this example includes:

[0045] Step S20, the first Funds-Management server receives the electronic commitment payment certificate that the First Participant requests to open a loan value less than the Second Participant's request according to the received loan request of the Second Participant. Wherein the value of the electronic commitment payment certificate is the First Participant applies to the first Funds-Management server for its account funds or credit line as a guarantee and is opened by the first fund Funds-Management server.

[0046] In the method of the present invention, the First Participant is a loan initiator, and the Second Participant is a borrower.

[0047] Step S21, the Funds-Management server, according to the electronic commitment Date Recue/Date Received 2022-03-02 payment certificate, freezes the value of First Participant's funds which is equal to the electronic commitment payment certificate.

[0048] The frozen fund can be the amount of funds in the debit account of the first participant in the first funds-management server; or the amount for a line of credit offered by the first funds-management server to the first participant; or the amount of mortgage for a real estate of the first participant to the first funds-management server.

[0049] Step S22, send the electronic commitment payment certificate to the second Funds-Management server, making the second Funds-Management server issues a first fund equals to the value of electronic commitment payment certificate to the Second Participant.
Wherein the issued first fund is set by the second Funds-Management server to be returned within a predetermined time.

[0050] In the present example, the first Funds-Management server is a first bank Funds-Management server, and the second Funds-Management server is a Funds-Management server of a second bank.

[0051] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0052] Further, the second Funds-Management server issues the second fund to the Second Participant according to the remaining borrowing request initiated by the Second Participant. The sum of the value of the first fund and the second fund is equal to the value of the loan requested for borrowing. The first fund and the second fund are set by the second Funds-Management server to be returned within a predetermined time.

[0053] Referring to Figure 4, it is a schematic flowchart of a borrowing method in a fourth example of the present invention. The method flow shown in this example includes:

[0054] Step S31, the second funds-management server receives an electronic commitment payment certificate generated and issued by the first funds-management server according to an application of generating an electronic commitment payment certificate applied by the first participant. Therein, the application of generating an electronic commitment payment certificate is generated by the first participant when the first participant receiving a loan request of the second participant. The amount of the loan in the electronic commitment payment certificate is less than the amount of the loan request of the second participant, and the electronic commitment payment certificate is generated by the first funds-management based on the application of generating an Date Recue/Date Received 2022-03-02 electronic commitment payment certificate and a margin of the first participant from the amount of funds in the debit account of the first participant or the amount for a line of credit.

[0055] Step S32, issues the value of first fund equal to the electronic commitment payment certificate to the Second Participant.

[0056] Wherein the issued first fund is set by the second Funds-Management server to be returned within a predetermined time.

[0057] In the present example, the first Funds-Management server is a first bank Funds-Management server, and the second Funds-Management server is a Funds-Management server of a second bank.

[0058] In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management server.

[0059] Step S33, issue the second fund to the Second Participant according to the remaining loan request initiated by the Second Participant. Wherein the sum of the value of the first fund and the second fund is equal to the value of loan request, and the first fund and the second fund are set by the Funds-Management server to be returned within a predetermined time.

[0060] Please refer to Figure 5, it is a schematic flowchart of a data interaction processing method according to a first example of the present invention. The method flow shown in this example includes:

[0061] Step S40, the first data initiator requests to the First Service Party according to the data request from the data requestor to add the first data value to its data unit, and the First Service Party initiates a data certificate which the value is less than the first data according to the first data initiator. 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.

[0062] Step S41, the First Service Party locks, according to the data certificate opened by the First Server, a first part of data in the data unit of the first data initiator equal to the data value represented by the data certificate.

[0063] Specifically, the first data initiator opens a data certificate that is less than the first data value to the service party through the Second Server platform.

[0064] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[0065] Further, the first server platform and the Second Server platform can be an e-commerce Date Recue/Date Received 2022-03-02 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 first data initiator responds to the data request through the e-commerce platform to open the data certificate.

[0066] Step S42, the Second Service Party receives the data certificate opened by the First Service Party and adds the data value that is equal to the data size of the first part in the unit.
Wherein the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0067] Step S43, according to the data request initiated by the data requester for adding the data value equal to the size of the second part of data, the Second Service Party adds the data value equal to the data in the second part to the data unit of the data requester.
Wherein, the first data value is the sum of the data values of the first part data and the second part data.

[0068] Please refer to Figure 6, it is a data interaction processing method according to the second example of the present invention, the method and process including:

[0069] Step S50, the First Service Party initiates an application that requests a first data to add a first data value to its data unit according to the data requestor received by the first data initiator and opens a data certificate which the values is less than the first data.
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.

[0070] Specifically, the data requester initiates a data request of the first data through the first server platform. The first data initiator applies to the Service Party through the Second Server platform for opening a data certificate that the value is less than the first data.

[0071] Wherein, the First Server platform and the Second Server platform can be the same server platform or different server platforms.

[0072] 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 data initiator responds to the data request through the e-commerce platform to open the data certificate to the First Service Party.

[0073] Step S51, according to the data certificate, locking the first part of the data unit in the first data initiator which the value is equal to the representative of data certificate.

[0074] Step S52, send the data certificate to the Second Service Party, making the Second Date Recue/Date Received 2022-03-02 Service Party adds the data value equal to the data size of the first part to the data requestor data unit. Wherein the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0075] Please refer to Figure 7, it is a data interaction processing method according to a third example of the present invention. The method and process shown in this example includes:

[0076] Step S60, the Second Service Party receives the data certificate opened by the First Service Party according to the application of the first data initiator.
Wherein the application is issued for the data requestor received by the first data initiator to add a first data value to its data unit, the value of data certificate is less than the first data and is a quantitative tool of a pre-established data association relationship between the first data initiator and the First Service Party.

[0077] Step S61, adds the data value equal to the data size of the first part to the data requestor data unit.

[0078] Step S43, according to the data request initiated by the data requester for adding the data value equal to the size of the second part of data, adds the data value equal to the data in the second part to the data unit of the data requester. Wherein the sum of the first part data and the second part data is the first data value; the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0079] Please refer to Figure 8, it is a schematic diagram of a data interaction processing system according to an example of the present invention. The System 70 shown in this example includes a data request Terminal 71, a data originator Terminal 72, a First Server 73, and a Second Server 74.

[0080] This data request terminal 71 is used to initiate a first data request that needs to add a first data value to its data unit.

[0081] Wherein, the data request terminal 71 initiates a first data request of the first data through the first server platform.

[0082] The first data initiator terminal 72 is used to submit an application for opening a data certificate to the First Service Party according to the first data request.

[0083] Specifically, the first data initiator terminal 72 opens the data certificate to the first server 73 through the Second Server platform.

[0084] Wherein, the First Server platform and the Second Server platform can be the same Date Recue/Date Received 2022-03-02 server platform or different server platforms.

[0085] Further, the first server platform and the Second Server platform can be an E-commerce platform, and the data request terminal 71 may also access the E-commerce platform through an application installed in the smart terminal to initiate the initiation of the data request. The first data initiator terminal 72 requests the first service provider 73 to open the data certificate through the E-commerce platform respond to data request. Wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator terminal 72 and the first server 73.

[0086] The first server 73 is used to open, according to an application of the first data initiator terminal 72, a data certificate which the value is less than the first data and lock the data which the value is equal to the represented data certificate in the first pat in the data unit of the first data initiator terminal 72 according to the data certificate opened by the first server. Wherein the data certificate is a quantitative tool of a pre-established data association relationship between the first data initiator terminal 72 and the first server 73.

[0087] The Second Server 74 is used to receive the data certificate opened by the first server 73 and add a data value equal to the data size of the first part to the data requestor 71. Wherein the Second Server 74 is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Server 74 within a scheduled time.

[0088] The Second Server 74 is used to add the data value which equal to the data of the second part initiated by the data request Terminal 71 data unit. Wherein the sum of the first part data and the second part data is the first data value; the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0089] In this example, the first server 73 is a first Funds-Management server, which can be a bank. The Second Server 74 is a second Funds-Management server, which can be a bank. The third server 76 is a third Funds-Management server, which can be a bank or a third-party payment platform.

[0090] In other examples, the First Server 73 and the Second Server 74 are first Funds-Management server, which can be a bank.

[0091] Please refer to Figure 9, it is a data interaction processing apparatus according to a first example of the present invention. The data interaction processing apparatus 80 includes a data Date Recue/Date Received 2022-03-02 certificate opening module 81, a processing module 82 and an issuing module 83. In the present example, the Device 80 operates in a banking system.

[0092] The data certificate issuing module 81 is used to initiate the first data request of first data to its data unit according to the data requestor received by the first data initiator and opens the data certificate which the value is less than first data. Wherein, the data certificate is a quantitative tools of a pre-established data association relationship between the first data initiator terminal and the apparatus.

[0093] Specifically, the data certificate opening module 81 receives the data certificate opened by the first data initiator terminal through a server platform.

[0094] The processing module 82 is used to lock the first part of the data units of the first data initiator which the value is equal to the data represented by the data certificate according to the data certificate.

[0095] The issuing module 83 is used to send the data certificate to the Second Service Party, making the Second Service Party adds the data value equal to the data size of the first part to the data requestor data unit. Wherein the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0096] Step S43, according to the data request initiated by the data requester for adding the data value equal to the size of the second part of data, the Second Service Party adds the data value equal to the data in the second part to the data unit of the data requester for the remaining data.
Wherein the sum of the first part data and the second part data is the first data value; the Second Service Party is set to add data values equal to the data size of the first part in the data unit to the data unit in the Second Service Party within a scheduled time.

[0097] Please refer to Figure 10, it is a data interaction processing apparatus according to a second example of the present invention. The data interaction processing apparatus 90 shown in this example includes a receiving module 91 and an issuing module 92. In the present example, the Device 90 operates in a banking system.

[0098] The receiving module 91 is used to receive the data certificate opened by the First Service Party according to the application of the first data initiator.
Wherein the application is issued for the data requestor received by the first data initiator to add a first data value to its data unit, the value of data certificate is less than the first data and is a quantitative tool of a pre-Date Recue/Date Received 2022-03-02 established data association relationship between the first data initiator and the First Service Party.

[0099] The issuing module 92 is configured to add a data value equal to the size of the first part data to the data requester data unit; and a data request initiated by the data requester to increase a data value equal to a size of the second part data, adding to the data requester data unit a data value equal to the second part data size.

[0100] Wherein the sum of the first part data and the second part data is the first data value;
the Second Service Party is set to add data values equal to the data size of the first part to the data unit in the Second Service Party within a scheduled time.

[0101] The present invention provides a borrowing method, a data interaction processing method, an apparatus, and a system. By pre-establish a data association relationship between a data initiator and a service party through a data certificate. When a data initiator receives a data request that the data requestor needs the first data, it opens a data certificate which data value is less than the first data to the service party, making the service party freeze the data association relationship represented by the data certificate and the data initiator, the Second Service Party can, according to the data certificate, add the corresponding data value to the data requestor. During the process of data interaction, since the service party is added to the data initiator First Participant) and the data requester (Second Participant), and the relationship of interaction between the data initiator and the service party, the service party and the data requester are established. Data interaction between the data initiator and the data requester is monitored and feed backed mutually.
Two advantages of adding a service party as a third party between a data initiator and a data requester include making the data association in one more way, and enriching contents of data interaction from various perspectives of the service party, the data initiator and the data requester.
It enables the interacted data to be restored successfully from any other two parties based on the associated data relationships among these three parties when one party is disabled for the data interaction, so that the data security and the data stability are improved.

[0102] In the above examples, the present invention has been exemplary described only, but various modifications to the present invention can be made by those skilled in the area after reading this patent application without departing from the spirit and scope of the present invention.

Date Recue/Date Received 2022-03-02

Claims

Claims:

1. A computer-implemented method of online borrowing including a first funds-management server, a second funds-management server, a third funds management server, a first terminal associated with a first participant, a second terminal associated with a second participant, and a third funds management server associated with a third participant wherein the method comprises:
the first terminal submits a new electronic commitment payment certificate application to the first funds-management server according to an electronic loan request submitted by the second terminal;
the first funds-management server generates an electronic commitment payment certificate in response to the new electronic commitment payment certificate application, the electronic commitment payment certificate freezing of first participant funds in an account of the first participant in the first funds-management server, wherein the value of the electronic commitment payment certificate has a value that is less than a value of the electronic loan request, and automatically freezes the first participant funds in the account of the first participant in the first funds-management server corresponding to the generated electronic commitment payment certificate, wherein the frozen first participant funds equal the value of the electronic commitment payment certificate;
the second funds-management server issues first issued funds to the second participant based on receipt of the electronic commitment payment certificate, wherein the first issued funds are equal to the value of the electronic commitment payment certificate;
the second funds-management server performs a credit evaluation for the second participant;
the third funds-management server issues the second funds to the second participant on receiving a remaining loan request delivered by the second participant, wherein the sum of the first funds and the second funds is equal to the electronic loan request, wherein the second funds are issued to the second participant when the credit evaluation is passed; and Date Recue/Date Received 2022-03-02 wherein the first issued funds and the second issued funds are to be automatically returned within a repayment time.

2. The method of claim 1 further comprising:
the second funds-management server sets the repayment time for the first issued funds and the second issued funds for monitoring repayment dates of the second participant.

3. The method of claim 1, wherein prior to submitting the new electronic commitment payment certificate application, the method further comprising:
the second terminal initiates the electronic loan request through a server platform; and the first terminal receives the electronic loan request through the server platform.

4. The method of any one of claims 1 to 3, wherein the first funds-management server is an account management server of a first bank.

5. The method of any one of claims 1 to 4, wherein the second funds-management server is an account management server of a second bank.

6. The method of any one of claims 1 to 5, wherein the third funds-management server is an account management server of a third bank

7. The method of any one of claims 1 to 6, wherein the first funds-management server and the second funds-management server are the same funds-management server.

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

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

Date Recue/Date Received 2022-03-02

10. The method of any one of claims 1 to 9, wherein the first participant is a lender.

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

12. The method of any one of claims 1 to 11, wherein the sum of the first issued funds and the second issued funds is equal to the value of the electronic loan request.

Date Recue/Date Received 2022-03-02