CA3176641A1

CA3176641A1 - Lending method, and data interaction processing method, device and system

Info

Publication number: CA3176641A1
Application number: CA3176641A
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: CA2987677A1; WO2016191927A1; CA3176624A1

Abstract

Disclosed are a lending method, and a data interaction processing method, device and system. The lending method comprises: first and second participants respectively apply to a first funds management server to open first and second electronic commitment payment certificates according to a borrowing request of a third participant, the total value of the first and second electronic commitment payment certificates being less than a loan value requested by the third participant;
the first funds management server freezes funds of the first and second participants which are equal to the value of the electronic commitment payment certificates, grants funds to the third participant which are equal to the value of the frozen funds via a second funds management server, and grants third funds to the third participant according to a remainder borrowing request initiated by the third participant, the total value of the first, second and third funds being equal to a borrowing value of the borrowing request, and set by the second funds management server to be returned within a preset time. The present invention reduces the lending risk for a lender.

Description

Lending Method, and Data Interaction Processing Method, Device And System [1] Technical Field

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

[3] Background Technology

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

[5] Take a user processing the data in his daily life as an example, when a user applies for a loan, a loan may be directly borrowed between an individual and individual or an individual borrows from a bank. However, the 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.

[6] Summary of the Invention

[7] 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).

[8] In order to solve the above technical problems, a technical solution adopted in this invention is to provide a lending method, including: the First Participant and Second Participant applies to the first Funds-Management server for issuing the corresponding first electronic commitment Date Recue/Date Received 2022-09-28 payment certificate and second electronic commitment payment certificate respectively according to the borrowing request of Third Participant, wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee funds, the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee funds;
the first Funds-Management server, based on the issued first electronic commitment payment certificate and the second electronic commitment payment certificate, respectively freezes first funds in the first participant's account, and second funds on the second participant's account.
Wherein the value of the first funds is equal to the value of the first electronic commitment payment certificate of the First Participant, and the value of the second funds is equal to the value of second electronic commitment payment certificate of the Second Participant; the second Funds-Management server receives the first electronic commitment payment certificate and the second commitment payment certificate together and releases the first funds and second funds together to the Third Participant. Wherein the electronic commitment payment certificate is issued by the first Funds-Management server and includes information of the first electronic commitment payment certificate and the second electronic commitment payment certificate together. Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate, and the value of the released funds is less than the value of the borrowing request.
Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate; and the second Funds-Management server releases third funds to the Third Participant according to a remaining borrowing request initiated by the third participant. Wherein the value sum of the first funds, the second funds and the third funds are equal to the value of the borrowing request. and a repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.

[9] In order to solve the above technical problem, another technical solution adopted by the Date Recue/Date Received 2022-09-28 present invention is to provide a borrowing method, including: the first Funds-Management server issues a first electronic commitment payment certificate and a second electronic commitment payment certificate according to a request for issuing a first electronic commitment payment certificate applied by a First Participant, and a request for issuing a second electronic commitment payment certificate applied by a Second Participant respectively, when the First Participant and the Second Participant respectively receive a borrowing request delivered by a Third Participant and the First Participant delivers a request for issuing the first electronic commitment payment certificate and the Second Participant delivers the request for issuing the first electronic commitment payment certificate; Wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee funds, the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee funds; the first Funds-Management server, based on the issued first electronic commitment payment certificate and the second electronic commitment payment certificate, respectively freezes the first funds on the first participant's account, and second funds on the second participant's account. Wherein the value of the first funds is equal to the value of the first electronic commitment payment certificate of the First Participant, and the value of the second funds is equal to the value of second electronic commitment payment certificate of the Second Participant; and the first Funds-Management server delivers the first electronic commitment payment certificate and the second electronic commitment payment certificate to the second Funds-Management server, to enable the second Funds-Management server to release the funds to the Third Participant. Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate. A repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.

[10]In order to solve the above technical problem, another technical solution adopted by the Date Recue/Date Received 2022-09-28 present invention is to provide a lending method, where the method including:
the second Funds-Management server receives a first electronic commitment payment certificate and a second electronic commitment payment certificate delivered by the first Funds-management server, wherein the first electronic commitment payment certificate and the second electronic commitment payment certificate are issued by the first Funds-Management server according to a request for issuing a first electronic commitment payment certificate applied by a First Participant and a request for issuing a second electronic commitment payment certificate applied by a Second Participant respectively. Wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee funds, the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee funds as the guarantee funds; the second Funds-Management server releases the funds to the Third Participant.
Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate; and the second Funds-Management server releases third funds to the Third Participant according to a remaining borrowing request initiated by the third participant. Wherein the value sum of the first funds, the second funds and the third funds are equal to the value of the borrowing request, and the repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.

[11] 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: a first data initiator and a second data initiator, based on a data request for processing a subtotal data value initiated by a data requester, respectively initiates a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit, to enable a First Server to issue a first data certificate and a second data certificate; wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second Date Recue/Date Received 2022-09-28 data value on the second data unit; wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal in the data request by the data requestor; wherein the data value sum of the first data certificate and the second data certificate represents a numeric data corresponding to a total amount of funds provided by first co-lender and the second co-lender; where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; the First Server, based on the issued first data certificate, locks a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the First Server, based on the issued second data certificate, locks a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate; and the Second Server receives the first data certificate and second data certificate issued by the First Server, and processes a subtotal data value on the data requestor's data unit; wherein the subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.

[12]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:
a data request terminal configured to initiate a data request for processing a subtotal data value on a data requestor's data unit; a first data initiator terminal configured to apply a request for processing a data value on a first data unit based on the data request for processing the subtotal data value initiated by the data requesting terminal; the second data initiator terminal configured to apply to a request for processing a data value on a second data unit based on the data request for processing the subtotal data value initiated by the data requesting terminal; the first server configured to, based on the issued first data certificate and second data certificate, lock a first numeric data on the first initiator's data unit and lock a second numeric data on the second initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, wherein the second numeric data is equal to the numeric data on the second data certificate; wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request Date Recue/Date Received 2022-09-28 by the data requestor; wherein the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; the Second Server configured to receive the first data certificate and second data certificate issued by the First Server and process a subtotal data value on the data requestor's data unit, wherein the subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate; and the Second Server further configured to process a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor;
wherein the additional data request is used for processing the third data on the data requestor's data unt; wherein the third data value is equal to a numeric data in the additional data request;
wherein the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request.

[13]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: a First Server respectively issues a first data certificate and a second data certificate when receiving a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit. Wherein the request for processing the data value on the first data unit is initiated by a first data initiator based on a data request for processing a subtotal data value initiated by a data requester; wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor; where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; the First Server, based on the issued first data certificate, locks a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the First Server, based on the issued second data certificate, locks a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate; and the First Server delivers the first data certificate and second data certificate to the Second Server, to enable the Second Server to Date Recue/Date Received 2022-09-28 process the subtotal data value on the data requestor's data unit and set up a scheduled time to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time; wherein the subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.

[14]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 including: a data certificate issuing module configured to respectively issue a first data certificate and a second data certificate when receiving a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit;
wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor; wherein the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; a processing module configured to, based on the issued first data certificate, lock a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the processing module 82 is further configured to, based on the issued second data certificate, lock a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate; and a delivery module configured to deliver the first data certificate and second data certificate to the Second Server, to enable the Second Server to process the subtotal data value on the data requestor's data unit and set up a scheduled time to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time; wherein the subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.

[15]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:
a Second Server receives a first data certificate and a second data certificate. The first data certificate is issued by a First Server when receiving a request for processing a data value on a first data unit. The second data certificate is issued by the First Server when receiving a request Date Recue/Date Received 2022-09-28 for processing a second data value on a second data unit; wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor;
wherein the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; the Second Server processes a subtotal data value on the data requestor's data unit. The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate; and the Second Server processes a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor; wherein the additional data request is used for processing the third data on the data requestor's data unit; wherein the third data value is equal to a numeric data in the additional data request, wherein, the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. A
scheduled time is set up by the Second Server to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time.

[16]In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a receiving module configured to receive a first data certificate and second data certificate; wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor; where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server; and a issuing module configured to process a subtotal data value on the data requestor's data unit, and process a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor; wherein the additional data request is used for processing the third data on the data requestor's data unit; wherein, the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request; a scheduled time is set up by the Second Server to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time.

Date Recue/Date Received 2022-09-28

[17]In the above scheme, due to participation of the first server and the second server in the process of data interaction, the data interaction relationships are established between the data initiator (co-lenders) and the servers, and between the servers and the data requester (borrower) in order to monitor the processing data and data feedback between the data initiator and the data requestor. Advantageously, processing data (or data association relationships) can be restored from other two parties when any one party fails to call data in the technical problem. Therefore, the present invention enriches the data interaction relationships to improve data security and data interaction stability.

[18]Brief Description of the Drawings

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

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

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

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

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

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

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

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

[27]Figure 9 is a schematic structural diagram of a first server embodied in the data interaction processing system of Figure 8 of the present invention;

[28]Figure 10 is a schematic structural diagram of a second server embodied in the data interaction processing system of Figure 8 of the present invention.

[29]Description of the Preferred Examples

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

Date Recue/Date Received 2022-09-28

[31]Referring to Figure 1, it is a schematic flowchart of a borrowing method according to a first example of the present invention. The method flow shown in this example includes the following steps:

[32] Step S10, the First Participant and Second Participant applies to the first Funds-Management server for issuing the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate respectively according to the borrowing request of Third Participant.

[33]Wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee funds, the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee funds.

[34]In the method of the present invention, the First Participant and Second Participant are co-lenders, and Third Participant is a borrower.

[35]Please refer to Figure 2, further, step S10, that is, the First Participant and Second Participant respectively applies to the Funds-Management server for issuing the first electronic commitment payment certificate and second electronic commitment payment certificate according to the borrowing request of the Third Participant, the following steps are as followed:

[36] Step SlOa, the Third Participant initiates the borrowing request through a server platform.

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

[38] Step SlOb, the First Participant and Second Participant respectively receives the borrowing request initiated by the third participant, and the first participant applies an request for issuing the first electronic commitment payment certificate to the first Funds-Management server according to the borrowing request, and the second participant applies an request for issuing the second electronic commitment payment certificate to the first Funds-Management server, wherein the first electronic commitment payment certificate and second electronic commitment payment certificate are both issued by the first Funds-Management server.
Date Recue/Date Received 2022-09-28

[39]The first participant as a co-lender and second participant as a co-lender can also respectively visit the server platform directly to find and receive an borrowing request of an borrower on the server platform Further, the first participant and second participant can check a plurality of borrowing requests initiated by a plurality of borrowers through the server platform, and select a suitable borrowing request from the plurality of borrowing requests to receive.

[40] Step Sll, the first Funds-Management server, based on the issued first electronic commitment payment certificate and the second electronic commitment payment certificate, respectively freezes first funds in the first participant's account, and second funds on the second participant's account. Wherein the value of the first funds is equal to the value of the first electronic commitment payment certificate of the First Participant, and the value of the second funds is equal to the value of second electronic commitment payment certificate of the Second Participant.

[41]The frozen funds include the first funds frozen on the first participant's account and the second funds frozen on the second participant's account. The first frozen funds and/or the second frozen funds may be deposit balances of the First Participant and/or Second Participant on the first Funds-Management server respectively, or may be credit limits of the First Participant and /or Second Participant respectively, or may be pledged real estate of the first participant and/or second participant ver. Wherein the credit limit is given by the first Funds-Management server.
Wherein the real estate is pledged through the first Funds-Management server.

[42] Step S12, the second Funds-Management server receives the first electronic commitment payment certificate and the second commitment payment certificate together and releases the first funds and second funds together to the Third Participant. Wherein the electronic commitment payment certificate is issued by the first Funds-Management server and includes information of the first electronic commitment payment certificate and the second electronic commitment payment certificate together. Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate, and the value of the released funds is less than the value of the borrowing request.

[43] In the present example, the first Funds-Management server is a first Funds-Management bank server operated on a banking system, and the second Funds-Management server is a second Funds-Management bank server operated on a banking system.

Date Recue/Date Received 2022-09-28

[44]In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management bank server operated on a banking system.

[45] Step S13, the second Funds-Management server releases third funds to the Third Participant according to a remaining borrowing request initiated by the third participant.
Wherein the value sum of the first funds, the second funds and the third funds are equal to the value of the borrowing request. and a repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.

[46]Further, the second Funds-Management server also performs credit evaluation to the Third Participant before releasing the third funds to the Third Participant, and where if the result of credit evaluation is qualified, the second Funds-Management server releases the third funds to the third participant.

[47]For example, the borrower submits a borrowing request for 100,000. After receiving the borrowing request, the first co-lender and the second co-lender respectively apply for issuing the first electronic commitment payment certificate and second electronic commitment payment certificate to the first bank server. Wherein, the value of first electronic commitment payment certificate is 20,000, the value of second electronic commitment payment certificate is 60,000.
That is, the total value of the first electronic commitment certificate and the second electronic commitment certificate is less than 100,000. The first bank server freezes the funds of the first co-lender's account and the second co-lender's account together on the first bank, wherein, the value of the frozen funds is equal to the total value of first and second electronic commitment payment certificate. For example, freezing 20,000 deposit balance of the first co-lender's account on the first bank deposit balance and 60,000 of the deposit balance on the second co-lender's account on the first bank deposit balance as a guarantee for the co-lenders. The second bank server then receives first and second electronic commitment payment certificates issued by the first bank server and the second bank server releases 80,000 of the funds to the borrower's account. The borrower initiates an additional borrowing request to the bank according to the remaining 20,000 loans, then the second bank releases 20,000 funds to the borrower when the borrower is passed the credit evaluation by the second bank server, and the loan was successfully approved.

[48]For the lender side, 60,000 of the funds on the second co-lender's account are not Date Recue/Date Received 2022-09-28 transferred to the borrower's account by the first bank server at the this time, but simply frozen for unavailability to use by the first bank server. The 60,000 deposit balance of the funds are still on the second co-lender's account and belong to the second co-lender. As a result, the financial risk is greatly reduced and the additional benefits may also be gained because the ownership of 60,000 deposit balance of the funds are still belong to the second co-lender. For the borrower side, the funds for borrowing are requested to individual lenders instead of borrowing from the bank, but the actual funds come from the bank, and the funds should be repaid to the bank through the bank server. Based on the bank's solid strength and counter-force, it will strengthen self-discipline to coordinate the lenders to complete the whole lending process and reduce the financial risk of the lender side. In addition, the participation of bank enables the lending process going smoothly for the borrower, the borrower can easily borrow money. For the bank side, the 60,000 of funds released to the borrower were based on the frozen 60,000 as guarantee funds, the financial risk of the lending money is not taken by the bank side, and because of bank's solid strength and counter-force, and bank can guarantee the smooth completion of the lending process to some extent. In this way, the lending process is helpful to explore more potential individual clients and obtain client information as well as the additional benefits.

[49]In the above solution, the First Participant and Second Participant respectively applies for issuing the first electronic commitment payment certificate and second electronic commitment payment certificate to First Funds-Management sever, when the First Participant and Second Participant receiving the borrowing request of a Third Participant; wherein, the total value of first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the borrowing value of the Third Participant., the first Funds-Management server respectively freezes the first funds and second funds. Wherein the value of the first funds is which equal to the value of the first electronic commitment payment certificate of the First Participant, and the value of the second funds which is equal to the value of second electronic commitment payment certificate of the Second Participant., and the second Funds-Management server releases the funds to the Third Participant based on the first electronic commitment payment certificate and the second electronic commitment payment certificate issued by the first Funds-Management server, wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment Date Recue/Date Received 2022-09-28 certificate; meanwhile the second Funds-Management server releases the remaining funds for the borrowing request to the Third Participant directly. Thus, as an intermediary platform between the Third Participant and other individual participants, the Funds-Management servers releases the funds for lending to the Third Participant based on the available funds of the individuals as guarantee funds, to reduce financial risk in the lending process.

[50]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:

[51] Step S20, the first Funds-Management server issues a first electronic commitment payment certificate and a second electronic commitment payment certificate according to a request for issuing a first electronic commitment payment certificate applied by a First Participant, and a request for issuing a second electronic commitment payment certificate applied by a Second Participant respectively, when the First Participant and the Second Participant respectively receive a borrowing request delivered by a Third Participant and the First Participant delivers a request for issuing the first electronic commitment payment certificate and the Second Participant delivers the request for issuing the first electronic commitment payment certificate.
certificate. the First Participant and Second Participant apply to the first Funds-Management server for issuing the corresponding first electronic commitment payment certificate and second electronic commitment payment certificate, respectively.

[52]Wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee, the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee.[53] In the method of the present invention, the First Participant and Second Participant are co-lenders, and Third Participant is a borrower.
[54] Step S21, the first Funds-Management server, based on the issued first electronic commitment payment certificate and the second electronic commitment payment certificate, respectively freezes the first funds on the first participant's account, and second funds on the second participant's account. Wherein the value of the first funds is equal to the value of the first Date Recue/Date Received 2022-09-28 electronic commitment payment certificate of the First Participant, and the value of the second funds is equal to the value of second electronic commitment payment certificate of the Second Participant.
[55]The frozen funds include the first funds frozen on the first participant's account and the second funds frozen on the second participant's account. The first frozen funds and/or the second frozen funds may be deposit balances of the First Participant and/or Second Participant on the first Funds-Management server respectively, or may be credit limits of the First Participant and /or Second Participant respectively, or may be pledged real estate of the first participant and/or second participant. Wherein the credit limit is given by the first Funds-Management server.
Wherein the real estate is pledged through the first Funds-Management server.
[56] Step S22, the first Funds-Management server delivers the first electronic commitment payment certificate and the second electronic commitment payment certificate to the second Funds-Management server, to enable the second Funds-Management server to release the funds to the Third Participant. Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate. A repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.
[57] In the present example, the first Funds-Management server is a first Funds-Management bank server operated on a banking system, and the second Funds-Management server is a second Funds-Management bank server operated on a banking system.
[58]In other examples, the first Funds-Management server and the second Funds-Management server are the same Funds-Management bank server operated on a banking system.
[59]Further, the second Funds-Management server releases third funds to the Third Participant according to a remaining borrowing request initiated by the third participant.
Wherein the value sum of the first funds, the second funds and the third funds are equal to the value of the borrowing request. and a repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time [60] Referring to Figure 4, it is a schematic flowchart of a borrowing method in a fourth example of the present invention. The Date Recue/Date Received 2022-09-28 method flow shown in this example includes:
[61] Step S30, the second Funds-Management server receives a first electronic commitment payment certificate and a second electronic commitment payment certificate delivered by the first Funds-Management server, wherein the first electronic commitment payment certificate and the second electronic commitment payment certificate are issued by the first Funds-Management server according to a request for issuing a first electronic commitment payment certificate applied by a First Participant and a request for issuing a second electronic commitment payment certificate applied by a Second Participant respectively.
[62]Wherein the request for issuing a first electronic commitment payment certificate is delivered by a First Participant and the request for issuing the second electronic commitment payment certificate is delivered by a Second Participant when the First Participant and the Second Participant respectively receives a borrowing request delivered by a Third Participant.
Wherein the value sum of the first electronic commitment payment certificate and the second electronic commitment payment certificate is less than the value of the borrowing requested by the Third Participant, and the first electronic commitment certificate is issued by the first Funds-Management server based on the deposit balance or credit limit in the First Participant's account as the guarantee funds , the second electronic commitment certificate is issued by the first funds-Management server based on the deposit balance or credit limit in the Second Participant's account as the guarantee funds as the guarantee funds.
[63] Step S31, the second Funds-Management server releases the funds to the Third Participant.
Wherein the value of the released funds is equal to the value sum of the first electronic commitment payment certificate and second electronic commitment payment certificate.
[64] Step S32, the second Funds-Management server releases third funds to the Third Participant according to a remaining borrowing request initiated by the third participant.
Wherein the value sum of the first funds, the second funds and the third funds are equal to the value of the borrowing request. And the repayment time is set up by the second Funds-Management server for the first funds, the second funds and third funds to make sure the borrower repays the first funds, second funds and the third funds within the repayment time.
[65]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 Date Recue/Date Received 2022-09-28 includes:
[66] Step S40, a first data initiator and a second data initiator, based on a data request for processing a subtotal data value initiated by a data requester, respectively initiates a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit. A First Server issues a first data certificate and a second data certificate.
Wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second data value on the second data unit. Wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal in the data request by the data requestor. Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request. Wherein the numeric data of the subtotal in the data request corresponds an amount of funds for the borrowing request. Where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server.
[67] Step S41, the First Server, based on the issued first data certificate, locks a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the First Server, based on the issued second data certificate, locks a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate.
[68] Specifically, the data requester initiates the data request of the subtotal data through a First Server platform.
[69] Step S42, the Second Server receives the first data certificate and second data certificate issued by the First Server, and processes a subtotal data value on the data requestor's data unit.
The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.
[70] Specifically, the first data initiator and the second data initiator respectively issue the first data certificate and the second data certificate to the First Server through a Second Server Date Recue/Date Received 2022-09-28 platform.
[71]Wherein, the First Server platform and the Second Server platform can be the same server platform, or different server platforms.
[72]Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requestor may also visit the e-commerce platform through an application to complete the initiation of the data request, the application is installed on an intelligent terminal.
[73] Step S43, the Second Server processes a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor.
Wherein the additional data request is used for processing the third data on the data requestor's data unit. The third data value is equal to a numeric data in the additional data request. Wherein the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. .
[74]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:
[75] Step S50, a First Server respectively issues a first data certificate and a second data certificate when receiving a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit. Wherein the request for processing the data value on the first data unit is initiated by a first data initiator based on a data request for processing a subtotal data value initiated by a data requester. Wherein the request for processing the second data value on the second data unit is initiated by the second data initiator based on the data request for processing the subtotal data value initiated by the data requester. Wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second data value on the second data unit. Wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor. Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request. Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request. Wherein the numeric data of the subtotal data value in the data request corresponds an amount of funds for the borrowing request.

Date Recue/Date Received 2022-09-28 Where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server.
[76] Specifically, the data requester initiates the data request of the subtotal data through a First Server platform. The first data initiator and the second data initiator respectively issue the first data certificate and the second data certificate to the First Server through a Second Server platform.
[77]Wherein, the First Server platform and the Second Server platform can be the same server platform, or different server platforms.
[78]Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requestor may also visit the e-commerce platform through an application to complete the initiation of the data request, the application is installed on an intelligent terminal. The first data initiator applies for issuing the first data certificate to respond the data request through the e-commerce platform, the second data initiator applies for issuing the second data certificate to respond the data request through the e-commerce platform.
[79] Step S51, the First Server, based on the issued first data certificate, locks a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the First Server, based on the issued second data certificate, locks a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate.
[80] Step S52, the First Server delivers the first data certificate and second data certificate to the Second Server, to enable the Second Server to process the subtotal data value on the data requestor's data unit and set up a scheduled time to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time. The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate. .
[81]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:
[82] Step S60, the Second Server receives a first data certificate and a second data certificate. The first data certificate is issued by a First Server when receiving a request for processing a data Date Recue/Date Received 2022-09-28 value on a first data unit. The second data certificate is issued by the First Server when receiving a request for processing a second data value on a second data unit. Wherein the request for processing the data value on the first data unit is initiated by a first data initiator based on a data request for processing a subtotal data value initiated by a data requester.
Wherein the request for processing the second data value on the second data unit is initiated by the second data initiator based on the data request for processing the subtotal data value initiated by the data requester.
Wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second data value on the second data unit. Wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor. Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request. Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request.
Wherein the numeric data of the subtotal data value in the data request corresponds an amount of funds for the borrowing request. Where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server.
[83] Step S61, the Second Server processes a subtotal data value on the data requestor's data unit.
The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.
[84] Step S62, the Second Server processes a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor.
Wherein the additional data request is used for processing the third data on the data requestor's data unit. The third data value is equal to a numeric data in the additional data request. .
[85]Wherein, the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. A scheduled time is set up by the Second Server to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time.
[86]Please refer to Figure 8, it is a schematic diagram of a data interaction processing system Date Recue/Date Received 2022-09-28 according to an example of the present invention. The System 70 shown in this example includes a data requesting terminal 71, a first data initiator terminal 72, a second data initiator terminal 73, a First Server 74, and a Second Server 75.
[87]This data requesting terminal 71 is configured to initiate a data request for processing a subtotal data value on a data requestor's data unit.
[88]Wherein, the data request for processing the subtotal data value is initiated by the data requesting terminal 71 through a First Server platform.
[89]The first data initiator terminal 72 is configured to apply a request for processing a data value on a first data unit based on the data request for processing the subtotal data value initiated by the data requesting terminal 71.
[90]The second data initiator terminal 73 is configured to apply to a request for processing a data value on a second data unit based on the data request for processing the subtotal data value initiated by the data requesting terminal 71.
[91] Specifically, the first data initiator terminal 72 and the second data initiator terminal 73 respectively issue the first data certificate and the second data certificate to the First Server through a Second Server platform.
[92]Wherein, the First Server platform and the Second Server platform can be the same server platform, or different server platforms.
[93]Further, the First Server platform and the Second Server platform can be an e-commerce platform, and the data requesting terminal 71 may also visit the e-commerce platform through an application to complete the initiation of the data request, the application is installed on an intelligent terminal. The first data initiator terminal 72 applies for issuing the first data certificate to respond the data request through the e-commerce platform, the second data initiator terminal 73 applies for issuing the second data certificate to respond the data request through the e-commerce platform.
[94]The First Server 74 is configured to, based on the issued first data certificate, lock a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the First Server 74 is further configured to, based on the issued second data certificate, lock a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate.
Wherein the sum of the numeric data on the first data certificate and the numeric data on second Date Recue/Date Received 2022-09-28 data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor. Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request. Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request. Wherein the numeric data of the subtotal data value in the data request corresponds an amount of funds for the borrowing request. Where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server.
[95]The Second Server 75 is configured to receive the first data certificate and second data certificate issued by the First Server and process a subtotal data value on the data requestor's data unit. The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate. The Second Server 75 is further configured to process a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor. Wherein the additional data request is used for processing the third data on the data requestor's data unit. The third data value is equal to a numeric data in the additional data request. Wherein the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. .
[96]In this example, the first server 74 is a first Funds-Management server, which can be in a banking system. The Second Server 75 is a second Funds-Management server, which can be in a banking system.
[97] In other examples, the First Server 74 and the Second Server 75 are the same Funds-Management server, which can be in a banking system.
[98]Referring to Figure 9, shown therein is a data interaction processing device according to an embodiment. The data interaction processing device may be the First Server 74 of the present invention. The First Server 74 includes a data certificate initiating module 81, a processing module 82 and an issuing module 83. In the present example, the First Server 74 operates in a banking system.
[99]The data certificate initiating module 81 is configured to respectively issue a first data Date Recue/Date Received 2022-09-28 certificate and a second data certificate when receiving a request for processing a data value on a first data unit and a request for processing a second data value on a second data unit. Wherein the request for processing the data value on the first data unit is initiated by a first data initiator based on a data request for processing a subtotal data value initiated by a data requester. Wherein the request for processing the second data value on the second data unit is initiated by the second data initiator based on the data request for processing the subtotal data value initiated by the data requester. Wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second data value on the second data unit. Wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor.
Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request. Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request.
Wherein the numeric data of the subtotal data value in the data request corresponds an amount of funds for the borrowing request. Where the first data certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server.
[100] Specifically, the data certificate initiating module 81 is configured to receive the data request of the first subtotal data through the First Server platform.
[101] The processing module 82 is configured to, based on the issued first data certificate, lock a first numeric data on the first initiator's data unit, wherein the first numeric data is equal to the numeric data on the first data certificate, and the processing module 82 is further configured to, based on the issued second data certificate, lock a second numeric data on the second initiator's data unit, wherein the second numeric data is equal to the numeric data on the second data certificate. .
[102] The issuing module 83 is configured to deliver the first data certificate and second data certificate to the Second Server, to enable the Second Server to process the subtotal data value on the data requestor's data unit and set up a scheduled time to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time. The Date Recue/Date Received 2022-09-28 subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate.
[103] Further, the Second Server processes a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor.
Wherein the additional data request is used for processing the third data on the data requestor's data unit. The third data value is equal to a numeric data in the additional data request. Wherein the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. A scheduled time is set up by the Second Server to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time.
[104] Referring to Figure 10, shown therein is a data interaction processing apparatus according to an embodiment. The data interaction processing apparatus may be the Second Server 75. The Second Server 75 shown in this example includes a receiving module 91 and an issuing module 92. In the present example, the Second Server 75 operates in a banking system.
[105] The receiving module 91 is configured to receive the first data certificate and second data certificate. Wherein the first data certificate is issued by a First Server when receiving a request for processing a data value on a first data unit. Wherein the second data certificate is issued by the First Server when receiving a request for processing a second data value on a second data unit. Wherein the request for processing the data value on the first data unit is initiated by a first data initiator based on a data request for processing a subtotal data value initiated by a data requester. Wherein the request for processing the second data value on the second data unit is initiated by the second data initiator based on the data request for processing the subtotal data value initiated by the data requester. Wherein the first data certificate corresponds to the request for processing the first data value on the first data unit, and the second data certificate corresponds to the request for processing the second data value on the second data unit. Wherein the sum of the numeric data on the first data certificate and the numeric data on second data certificate is less than a numeric data of the subtotal data value in the data request by the data requestor. Wherein the numeric data on the first data certificate corresponds to an amount of funds provided by a first co-lender for the borrowing request.
Wherein the numeric data on the second data certificate corresponds to an amount of funds provided by a second co-lender for the borrowing request. Wherein the numeric data of the subtotal data value in the data request corresponds an amount of funds for the borrowing request. Where the first data Date Recue/Date Received 2022-09-28 certificate is a quantitative tool that pre-establishing a data association relationship between the first data initiator and the First Server, and the second data certificate is a quantitative tool that pre-establishing a data association relationship between the second data initiator and the First Server., [106] The issuing module 92 is configured to process a subtotal data value on the data requestor's data unit. The subtotal data value is equal to the sum of the first numeric data on the first data certificate and the second numeric data on the second data certificate. And the issuing module 92 is further configured to process a third data value on the data requestor's data unit when receiving an additional data request initiated by the data requestor.
Wherein the additional data request is used for processing the third data on the data requestor's data unit. The third data value is equal to a numeric data in the additional data request.
[107] Wherein, the sum of the subtotal data value and the third data value processed by the Second Server is equal to the numeric data in the data request. A scheduled time is set up by the Second Server to make sure the subtotal data value on the Second Server's data unit processed by the data requestor within the scheduled time.
[108] The present invention provides a lending method, a data interaction processing method, device and system. By pre-establishing a data association relationship between first, second data initiator and a first server through data certificates. When the first and second data initiator receives the data request of first data initiated by a data requester, respectively issue the first data certificate and second data certificate to service party, the total value of the first data certificate and second data certificate is less than the first data value, the first server, based on the issued first data certificate and the second data certificate, respectively lock a first numeric data on the first initiator's data unit and a second numeric data on the second initiator's data unit, to enable the second server to process the subtotal data value on the data requestor's data unit and set up a scheduled time to make sure the subtotal data value on the second server's data unit processed by the data requestor within the scheduled time. . Due to participation of the first server and the second server in the process of data interaction, the data interaction relationships are established between the data initiator and the servers, and between the servers and the data requester in order to monitor the processing data and data feedback between the data initiator and the data requestor. Advantageously, processing data (or data association relationships) can be restored from other two parties when any one party fails to call data in the technical problem. Therefore, Date Recue/Date Received 2022-09-28 the present invention enriches the data interaction relationships to improve data security and data interaction stability.
[109] 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 2022-09-28

Claims

Claims:

1. A lending method applied in a first funds-management server, the method comprising:
receiving a new first electronic commitment payment certificate application and a new second electronic commitment payment certificate application respectively applied by a first participant and a second participant according to a loan request submitted by the third participant;
generating a first electronic credit commitment payment certificate and a second electronic credit commitment payment certificate respectively wherein the sum of the value of the first electronic commitment payment certificate and the value of the second electronic commitment payment certificate is less than the value of the loan request; and freezing first funds equal to the value of the first electronic credit commitment payment certificate in the first participant according to the first electronic commitment payment certificate and second funds equal to the value of the second electronic credit commitment payment certificate in the second participant according to the second electronic commitment certificate respectively.

2. The method of claim 1, further comprising:
sending the first electronic credit commitment payment certificate and the second electronic credit commitment payment certificate to a second funds-management server so that the second funds-management server issues the sum of the first funds and the second funds to the third participant, wherein the first funds are equal to the frozen amount of funds in the first participant according to the first electronic commitment certificate and the second funds are equal to the frozen amount of funds in the second participant according to the second electronic commitment certificate.

Date Recue/Date Received 2022-09-28

3. The method of claim 2, wherein the first funds and the second funds are set within a repayment time by the second funds-management server.

4. The method of claim 1, wherein the first funds-management server is an account management server of the first bank's funds-management server.

5. The method of claim 1, wherein the second funds-management server is an account management server of the second bank's funds-management server.

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

7. The method of any one of claims 1 to 6, wherein the frozen funds are deposit of the second participant on the first funds-management server.

8. The method of any one of claims 1 to 6, wherein the frozen funds are credit limit of the second participant approved by the first funds-management server.

9. The method of any one of claims 1 to 8, wherein the first participant is a lender of a loan.

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

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

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

Date Recue/Date Received 2022-09-28