CN104915884A - Borrowing and lending method and data interactive processing method, device and system - Google Patents
Borrowing and lending method and data interactive processing method, device and system Download PDFInfo
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- CN104915884A CN104915884A CN201510289602.8A CN201510289602A CN104915884A CN 104915884 A CN104915884 A CN 104915884A CN 201510289602 A CN201510289602 A CN 201510289602A CN 104915884 A CN104915884 A CN 104915884A
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Abstract
The invention discloses a borrowing and lending method and a data interactive processing method, device and system. The borrowing and lending method comprises the steps that a first party applies to a first fund management server for opening an electronic payment promise certificate less than the loan value requested by a second party according to the loan request of the second party; funds equal to the value of the electronic payment promise certificate of the first party are blocked by the first fund management server according to the opened electronic payment promise certificate; a second fund management server receives the electronic payment promise certificate opened by the first fund management server, first funds equal to the value of the electronic payment promise certificate are issued to the second party, and the second fund management server issues second funds to the second party according to a remaining loan request initiated by the second party; and the first funds and the second funds are set to be repaid within the preset period of time by the second fund management server.
Description
Technical field
The present invention relates to credit field, particularly relate to a kind of debt-credit method, data interactive processing method, Apparatus and system.
Background technology
Along with 2G/3G, or even the arrival in 4G epoch, and the WIFI hot spot be seen everywhere, indicate the arriving of large data age now, the network that the mobile data network that all daily behavior of user can provide by Ge great operator in theory builds and this WLAN of WIFI, realize various data processing by Internet technology.Therefore, network environment has its advantage than the real world under line in facilitating user to live, but how to utilize network guarantee data interaction both sides and reduce risk, there is no effective solution.
For the data processing in user's living scene, during user's apply for loan, usually can by between individual and individuality, directly debt-credit mode or individuality are applied for the mode of bank debit and credit.But, normally the side of loaning bill and lender are reached an agreement by oral or written form in debt-credit activity between individuality and individuality, after lending priority loaning bill side provides assets, due to shortage of capital guarantee and oversight mechanism, bring very large risk to lender; And the debt-credit activity between individual and bank exists gather individual information process complexity, manpower intervention deals with the work more, that bank also needs to bear financial risks problem.Therefore, need to provide a kind of brand-new debt-credit method and data interaction treatment mechanism, in order to meet the online Loan Demand of user.
Summary of the invention
The technical matters that the present invention mainly solves is to provide a kind of debt-credit method, data interactive processing method, Apparatus and system, can reduce the risk of data interaction (loan).
For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: provide a kind of debt-credit method, described method comprises: the first participant opens electronics acceptance and guarantee voucher according to the loaning bill request of the second participant to the first capital management server application; Wherein, the value of described electronics acceptance and guarantee voucher is less than the loaning bill value of described second participant request, and open as guaranty money to described first capital management server application and by the first capital management server using its account fund or the accrediting amount for described first participant; Described first capital management server freeze described first participant according to the electronics acceptance and guarantee voucher that it is opened with the equipollent fund of described electronics acceptance and guarantee voucher; Second capital management server receives the electronics acceptance and guarantee voucher that described first capital management server is opened, and to described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; And the residue loaning bill request that described second capital management server is initiated according to described second participant, provide the second fund to described second participant; Wherein, described first fund is worth equal with the aggregate value of described second fund with the described loaning bill of asking of borrowing money, described first fund and described second fund by described second capital management Servers installed for give back in the given time.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of debt-credit method, described method comprises: the first capital management server receives application that the first participant proposes according to the loaning bill request of the second participant received and opens the electronics acceptance and guarantee voucher that the loaning bill that is less than described second participant request is worth; Wherein, to be described first participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described electronics acceptance and guarantee voucher; Freeze described first participant according to described electronics acceptance and guarantee voucher with the equipollent fund of described electronics acceptance and guarantee voucher; And described electronics acceptance and guarantee voucher is sent to the second capital management server, make described second capital management server to described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; Wherein, the first fund of described granting by described second capital management Servers installed for give back in the given time.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of debt-credit method, described method comprises: the second capital management server receives the electronics acceptance and guarantee voucher that the first capital management server is opened according to the application of the first participant; Wherein, described application receives the loaning bill request of the second participant for described first participant and sends to described first capital management server, the value of described electronics acceptance and guarantee voucher is less than the loaning bill value of described second participant request, and open as guaranty money to described first capital management server application and by the first capital management server using its account fund or the accrediting amount for described first participant; To described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; And provide the second fund according to the residue loan requests that described second participant is initiated to described second participant; Wherein, the aggregate value of described first fund and described second fund is equal with the described loan to value of asking of borrowing money, described first fund and described second fund by described capital management Servers installed for give back in the given time.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, described method comprises: the request of data that the first data initiator increases by the first data value according to request of data side's initiation needs to its data cell is filed an application to first service side, and opens according to the application of the first data initiator the data voucher being less than described first data value size by described first service root; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side; With the equal-sized Part I data of data value representated by described data voucher in the data cell of the described first data initiator of described data voucher locking that described first service root is opened according to it; Second service side receives the data voucher opened described first service side, and increases the data value equal with described Part I size of data to described request of data side data cell; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell; And the request of data of the increase initiated according to described request of data side of the described second service root data value equal with Part II size of data, increase the data value equal with described Part II size of data to described request of data side data cell; Wherein, the data value summation of described Part I data and described Part II data is described first data value.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction disposal system, described system comprises: request of data terminal, for initiating the first request of data needing to increase by the first data value to its data cell; First data initiating terminal, for proposing the application of opening data voucher according to described first request of data to first service side; First server, for opening the data voucher being less than described first data value size according to described application, according in the data cell of its described first data initiating terminal of described data voucher locking opened with the equal-sized Part I data of data value representated by described data voucher; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described first server; Second server, for receiving the described data voucher that described first server is opened, and increases the data value equal with described Part I size of data to described request of data side data cell; And the request of data of the increase to initiate according to the described request of data side data value equal with Part II size of data, to the data value that data cell increase in described request of data side is equal with described Part II size of data; Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, and described method comprises: first service root opens according to request of data side's initiation needs that the first data initiator receives increase the first request of data of the first data value to its data cell the data voucher being less than described first data value size; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side; According in the data cell of the described first data initiator of described data voucher locking with the equal-sized Part I data of data value representated by described data voucher; And described data voucher is sent to second service side, make request of data side's data cell described in described second service direction increase the data value equal with described Part I size of data; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction treating apparatus, described device comprises: module opened by data voucher, and the request of data side for receiving according to the first data initiator initiates need to increase the first request of data of the first data value to its data cell and open the data voucher being less than described first data value size; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described device; Processing module, for according in the data cell of the described first data initiator of described data voucher locking with the equal-sized Part I data of data value representated by described data voucher; And granting module, for described data voucher is sent to second service side, make request of data side's data cell described in described second service direction increase the data value equal with described Part I size of data; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, and described method comprises: second service side receives the data voucher that first service root is opened according to the application of the first data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value to its data cell for described first data initiator receives request of data side and is sent, described data voucher is less than described first data value size, and is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side; The data value equal with described Part I size of data is increased to described request of data side data cell; And the request of data of the increase to initiate according to the described request of data side data value equal with Part II size of data, to the data value that data cell increase in described request of data side is equal with described Part II size of data; Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.
For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction treating apparatus, described device comprises: receiver module, for receiving the data voucher that first service root is opened according to the application of the first data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value to its data cell for described first data initiator receives request of data side and is sent, described data voucher is less than described first data value size, and is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side; And granting module, for increasing the data value equal with described Part I size of data to described request of data side data cell; And the request of data of the increase to initiate according to the described request of data side data value equal with Part II size of data, to the data value that data cell increase in described request of data side is equal with described Part II size of data; Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.
In above scheme, in data exchange process, owing to adding service side outside data initiator (loan initiator) with side of request of data side (loaning bill side), and the data interaction incidence relation set up between data initiator and service side, between service side and request of data side, for the data interaction between data initiator and request of data side two side provides data monitoring and data feedback, improve data security and data interaction stability.
Accompanying drawing explanation
Fig. 1 is a kind of schematic flow sheet borrowing or lending money method in first embodiment of the invention;
Fig. 2 is a kind of schematic flow sheet borrowing or lending money method in second embodiment of the invention;
Fig. 3 is a kind of schematic flow sheet borrowing or lending money method in third embodiment of the invention;
Fig. 4 is a kind of schematic flow sheet borrowing or lending money method in four embodiment of the invention;
Fig. 5 is the schematic flow sheet of a kind of data interactive processing method in first embodiment of the invention;
Fig. 6 is the schematic flow sheet of a kind of data interactive processing method in second embodiment of the invention;
Fig. 7 is the schematic flow sheet of a kind of data interactive processing method in third embodiment of the invention
Fig. 8 is the structural representation of a kind of data interaction disposal system in embodiment of the present invention;
Fig. 9 is the structural representation of a kind of data interaction treating apparatus in first embodiment of the invention;
Figure 10 is the structural representation of a kind of data interaction treating apparatus in second embodiment of the invention.
Embodiment
By describing technology contents of the present invention, structural attitude in detail, being realized object and effect, below in conjunction with drawings and Examples, the present invention is described in detail.
Referring to Fig. 1, is a kind of schematic flow sheet borrowing or lending money method of first embodiment of the invention.Method flow shown in this embodiment comprises the following steps:
Step S10, the first participant opens electronics acceptance and guarantee voucher according to the loaning bill request of the second participant to the first capital management server application.Wherein, the value of this electronics acceptance and guarantee voucher is less than the loaning bill value of this second participant request, and open as guaranty money to this first capital management server application and by the first capital management server using its account fund or the accrediting amount for this first participant.
In the present embodiment, this first participant is loan initiator, and the second participant is loaning bill side.
Refer to Fig. 2, further, step S10, that is, this first participant opens electronics acceptance and guarantee voucher according to the loaning bill request of the second participant to the first capital management server application, realizes especially by following steps:
Step S10a, this second participant initiates this loaning bill request by a server platform.
Wherein, this server platform can be electric business's platform, and loaning bill side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes the request of loaning bill.
Step S10b, this first participant receives this loaning bill request, and opens this electronics acceptance and guarantee voucher to this first capital management server application by the first capital management server according to this loaning bill request.
Loan initiator also can access the loaning bill request that loaning bill side was searched, received to this server platform.Further, loan initiator can check by this server platform the loan requests that multiple loaning bill side initiates, and selects suitable reception.
Step S11, this first capital management server freeze this first participant according to the electronics acceptance and guarantee voucher that it is opened with the equipollent fund of this electronics acceptance and guarantee voucher.
To be this second participant give in the deposit of this first capital management server or this first capital management server the real estate that the credit line of this second participant or this second participant mortgage in this first capital management server to this fund freezed.
Step S12, the second capital management server receives the electronics acceptance and guarantee voucher that this first capital management server is opened, and to this second participant granting and equipollent first fund of this electronics acceptance and guarantee voucher.Wherein, the first fund of this granting by this second capital management Servers installed for give back in the given time.
In the present embodiment, this first capital management server is Bank One Corp. capital management server, and this second capital management server is the capital management server of secondary bank.
In other embodiments, this first capital management server and this second capital management server are same capital management server.
Step S13, the second capital management server is borrowed money according to the residue that the second participant is initiated and is asked, and provides the second fund to the second participant.Wherein, the aggregate value of the first fund and the second fund is worth equal with the loaning bill of asking of borrowing money, the first fund and the second fund by the second capital management Servers installed for give back in the given time.
Further, the second capital management server also carries out credit evaluation to the second participant before the second participant provides the second fund, and provides the second fund when assessing qualified.
Such as, loaning bill side sends the loaning bill request of debt-credit 100,000, and loan initiator receives this loaning bill asks backward Bank One Corp. application to open electronics acceptance and guarantee voucher, and the value of this electronics acceptance and guarantee voucher only has 60,000.The fund of this Bank One Corp. frozen loan initiator in this financial platform, wherein, the value of blocked funds is equal with the value of electronics acceptance and guarantee voucher.As, frozen loan initiator in Bank One Corp. deposit 60,000, as the guarantee of loan initiator.Then, secondary bank receives the electronics acceptance and guarantee voucher that Bank One Corp. is opened, by the funds release of 60,000 to the side of loaning bill.Loaning bill policy proposes loaning bill request to remaining 40,000 loans to secondary bank, and now secondary bank provides the fund of 40,000 to it when carrying out credit evaluation to loaning bill side and being qualified.
For lender, 60,000 deposits in its bank are not taken away by bank and are lent loaning bill side, only can not be used by bank freezing, this 60,000 deposit is still in lender account, belong to lender, therefore risk reduces greatly, simultaneously also because thus this 60,000 deposit still to one's name may obtain other interests.For loaning bill Fang Eryan, it is not to bank loan to lender loaning bill, but proceeds comes from bank, and follow-up the remaining of fund is given back to bank, based on rich strength and the counter power of bank, self-disciplining can be strengthened and complete whole debt-credit flow process to coordinate lender, also reduce lender risk further, simultaneously also because the rich strength of bank makes loaning bill flow process become more smooth and easy, the conveniently side of loaning bill.For bank, this 60,000 fund of lending is stored as guarantee by frozen 60,000 of lender, and risk is not born by oneself, simultaneously because of oneself rich strength and counter power, to a certain degree can ensure completing smoothly of debt-credit flow process; After completing smoothly, can potential customers be increased, obtain more customer informations, also can therefore borrow or lend money flow process and obtain other interests.
In above scheme, first participant opens the electronics acceptance and guarantee voucher of the loaning bill value being less than request to the first capital management server application when the loaning bill request of reception second participant, the first capital management server is made to freeze the fund being less than electronics acceptance and guarantee voucher value of the first participant, and by the second capital management server according to the loaning bill equipollent fund of electronics acceptance and guarantee voucher to the second participant granting and request, the second capital management server is directly provided to the second participant for remaining loaning bill simultaneously.Thus make capital management server as the medium platform of the second participant and the first participant, the first participant to the guarantee of capital management server, and is offered loans to the second participant by capital management server, to this reduce the risk of borrowing process.
Referring to Fig. 3, is the schematic flow sheet of the debt-credit method in third embodiment of the invention.Method flow shown in this embodiment comprises:
Step S20, the first capital management server receives application that the first participant proposes according to the loaning bill request of the second participant received and opens the electronics acceptance and guarantee voucher that the loaning bill that is less than this second participant request is worth.Wherein, to be this first participant opened by this first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application this electronics acceptance and guarantee voucher.
In the present embodiment, this first participant is loan initiator, and the second participant is loaning bill side.
Step S21, freeze this first participant according to this electronics acceptance and guarantee voucher with the equipollent fund of this electronics acceptance and guarantee voucher.
To be this second participant give in the deposit of this first capital management server or this first capital management server the real estate that the credit line of this second participant or this second participant mortgage in this first capital management server to this fund freezed.
Step S22, is sent to the second capital management server by this electronics acceptance and guarantee voucher, makes this second capital management server to this second participant granting and equipollent first fund of this electronics acceptance and guarantee voucher.Wherein, the first fund of this granting by this second capital management Servers installed for give back in the given time.
In the present embodiment, this first capital management server is Bank One Corp. capital management server, and this second capital management server is the capital management server of secondary bank.
In other embodiments, this first capital management server and this second capital management server are same capital management server.
Further, this second capital management server is borrowed money according to the residue that the second participant is initiated and is asked, and provides the second fund to the second participant.Wherein, the aggregate value of the first fund and the second fund is worth equal with the loaning bill of asking of borrowing money, the first fund and the second fund by the second capital management Servers installed for give back in the given time.
Referring to Fig. 4, is the schematic flow sheet of the debt-credit method in four embodiment of the invention.Method flow shown in this embodiment comprises:
Step S31, the second capital management server receives the electronics acceptance and guarantee voucher that the first capital management server is opened according to the application of the first participant.Wherein, this application is that this first participant receives the loaning bill request of the second participant and sends to this first capital management server, the value of this electronics acceptance and guarantee voucher is less than the loaning bill value of this second participant request, and open as guaranty money to this first capital management server application and by the first capital management server using its account fund or the accrediting amount for this first participant.
Step S32, to this second participant granting and equipollent first fund of this electronics acceptance and guarantee voucher.
Wherein, the first fund of this granting by this second capital management Servers installed for give back in the given time.
In the present embodiment, this first capital management server is Bank One Corp. capital management server, and this second capital management server is the capital management server of secondary bank.
In other embodiments, this first capital management server and this second capital management server are same capital management server.
Step S33, provides the second fund according to the residue loan requests that this second participant is initiated to this second participant.Wherein, this first fund is equal with the loan to value of this loaning bill request with the aggregate value of this second fund, this first fund and this second fund by this capital management Servers installed for give back in the given time.
Referring to Fig. 5, is the schematic flow sheet of a kind of data interactive processing method of first embodiment of the invention.Method flow shown in this embodiment comprises:
Step S40, the request of data that first data initiator initiates to need to increase to its data cell the first data value according to request of data side is filed an application to first service side, and opens according to the application of the first data initiator the data voucher being less than this first data value size by this first service root.Wherein, this data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side.
Step S41, this first service root according to this data voucher that it is opened lock in the data cell of these first data initiator with the equal-sized Part I data of data value representated by this data voucher.
Particularly, these first data initiator opens the data voucher being less than this first data value to service side by second service applicator platform.
Wherein, this first service applicator platform and second service applicator platform can be identical server platforms, also can be different server platforms.
Further, this first service applicator platform and second service applicator platform can be electric business's platforms, request of data side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and the first data initiator opens data voucher by electric business's platform response request of data.
Step S42, second service side receives the data voucher opened this first service side, and increases the data value equal with this Part I size of data to this request of data side's data cell.Wherein, this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
Step S43, this second service root, according to the request of data of the increase that this request of data side the initiates data value equal with Part II size of data, increases the data value equal with this Part II size of data to this request of data side's data cell.Wherein, the data value summation of these Part I data and these Part II data is this first data value.
Refer to Fig. 6, be a kind of data interactive processing method of second embodiment of the invention, the method flow shown in this embodiment comprises:
Step S50, first service root opens according to the request of data side that the first data initiator receives initiates to need to increase the application of the first request of data of the first data value to its data cell the data voucher being less than this first data value size.Wherein, this data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side.
Particularly, this request of data side initiates the request of data of needs first data by first service applicator platform.These data initiator files an application to open the data voucher being less than this first data value to service side by second service applicator platform.
Wherein, this first service applicator platform and second service applicator platform can be identical server platforms, also can be different server platforms.
Further, this first service applicator platform and second service applicator platform can be electric business's platforms, request of data side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and data initiator opens data voucher by electric business's platform response request of data to the application of first service side.
Step S51, lock according to this data voucher in the data cell of these first data initiator with the equal-sized Part I data of data value representated by this data voucher.
Step S52, is sent to second service side by this data voucher, makes this request of data side's data cell of this second service direction increase the data value equal with this Part I size of data.Wherein, this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
Refer to Fig. 7, be a kind of data interactive processing method of third embodiment of the invention, the method flow shown in this embodiment comprises:
Step S60, second service side receives the data voucher that first service root is opened according to the application of the first data initiator.Wherein, this application is that these first data initiator receives request of data side and initiates to need the first request of data increasing by the first data value to its data cell to send, this data voucher is less than this first data value size, and is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side.
Step S61, increases the data value equal with this Part I size of data to this request of data side's data cell.
Step S62, according to the request of data of the increase data value equal with Part II size of data that this request of data side initiates, to the data value that this request of data side's data cell increase is equal with this Part II size of data.Wherein, the data value summation of these Part I data and these Part II data is this first data value, and this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
Referring to Fig. 8, is the structural representation of the data interaction disposal system of embodiment of the present invention.System 70 shown in this embodiment comprises: request of data terminal 71, first data initiating terminal 72, first server 73 and second server 74.
This request of data terminal 71 is for initiating the first request of data needing to increase by the first data value to its data cell.
Wherein, this request of data terminal 71 initiates the first request of data of needs first data by first service applicator platform.
This first data initiating terminal 72 is for proposing the application of opening data voucher according to this first request of data to first service side.
Particularly, this first data initiating terminal 72 opens this data voucher by second service applicator platform to first server 73.
Wherein, this first service applicator platform and second service applicator platform can be identical server platforms, also can be different server platforms.
Further, this first service applicator platform and second service applicator platform can be electric business's platforms, this request of data terminal 71 can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and this first data initiating terminal 72 opens data voucher by electric business's platform response request of data to first server 73 application.Wherein, this data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiating terminal 72 and this first server 73.
This first server 73 for opening the data voucher being less than this first data value size according to the application of the first data initiating terminal 72, according to its this data voucher opened lock in the data cell of this first data initiating terminal 72 with the equal-sized Part I data of data value representated by this data voucher.Wherein, this data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiating terminal 72 and this first server 73.
This data voucher that this second server 74 is opened for receiving this first server 73, and increase the data value equal with this Part I size of data to this request of data side 71 data cell.Wherein, this second server 74 arranges request of data side in the given time should increase the data value equal with this Part I size of data to second server 74 data cell.
Further, this second server 74, also for the request of data of the increase initiated according to this request of data terminal 71 data value equal with Part II size of data, increases the data value equal with this Part II size of data to this request of data terminal 71 data cell.Wherein, the data value summation of these Part I data and these Part II data is this first data value, and this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
In the present embodiment, this first server 73 is the first capital management server, and this first capital management server can be bank.This second server 74 is the second capital management server, and this second capital management server can be bank.3rd server 76 is the 3rd capital management server, and the 3rd capital management server can be bank, Third-party payment platform.
In other embodiments, this this first server 73 and this second server 74 are the first capital management server, and this first capital management server can be bank.
Referring to Fig. 9, is a kind of data interaction treating apparatus of first embodiment of the invention, and the data interaction treating apparatus 80 shown in this embodiment comprises data voucher and opens module 81, processing module 82 and provide module 83.In the present embodiment, this device 80 operates in a banking system.。
Module 81 opened by this data voucher, and the request of data side for receiving according to the first data initiator initiates need to increase the first request of data of the first data value to its data cell and open the data voucher being less than this first data value size.Wherein, this data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiating terminal and this device.
Particularly, this data voucher is opened module 81 and is received by a server platform data voucher that the first data initiating terminal opens.
This processing module 82 for lock these first data initiator according to this data voucher data cell in the equal-sized Part I data of data value representated by this data voucher.
This granting module 83, for this data voucher is sent to second service side, makes this request of data side's data cell of this second service direction increase the data value equal with this Part I size of data.Wherein, this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
Further, for remaining data, second service root, according to the request of data of the increase that this request of data side the initiates data value equal with Part II size of data, increases the data value equal with this Part II size of data to this request of data side's data cell.Wherein, the data value summation of these Part I data and these Part II data is this first data value, and this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
Referring to Figure 10, is a kind of data interaction treating apparatus of second embodiment of the invention, and the data interaction treating apparatus 90 shown in this embodiment comprises receiver module 91 and provides module 92.In the present embodiment, this device 90 operates in a banking system.
The data voucher that this receiver module 91 is opened according to the application of the first data initiator for receiving first service root.Wherein, this application is that these first data initiator receives request of data side and initiates to need the first request of data increasing by the first data value to its data cell to send, this data voucher is less than this first data value size, and is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side.
This granting module 92 is for increasing the data value equal with this Part I size of data to this request of data side's data cell; And the request of data of the increase data value equal with Part II size of data of to initiate according to this request of data side, to the data value that this request of data side's data cell increase is equal with this Part II size of data.
Wherein, the data value summation of these Part I data and these Part II data is this first data value, and this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.
A kind of debt-credit method provided by the invention, data interactive processing method, Apparatus and system, make to set up data correlation relation in advance between data initiator and service side by data voucher, when data initiator is when receiving request of data side and initiating the request of data of needs first data, the data voucher being less than the first data value is opened to service side, make representated by service side's freezing data voucher and between data initiator data correlation relation, second service root is increased and corresponding data value to request of data side's data cell according to this data voucher.In data exchange process, owing to adding service side outside data initiator (the first participant) with side of request of data side's (the second participant), and set up between data initiator and service side, data interaction incidence relation between service side and request of data side, for the data interaction between data initiator and request of data side two side provides data monitoring and data feedback, add data correlation mode, enrich data interaction intension, when making either party occur data problem, still can reduce corresponding data (or data correlation relation) by means of the data interaction relation of other two sides, improve data security and data interaction stability.
The foregoing is only embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.
Claims (12)
1. a debt-credit method, is characterized in that, described method comprises:
First participant opens electronics acceptance and guarantee voucher according to the loaning bill request of the second participant to the first capital management server application; Wherein, the value of described electronics acceptance and guarantee voucher is less than the loaning bill value of described second participant request, and open as guaranty money to described first capital management server application and by the first capital management server using its account fund or the accrediting amount for described first participant;
Described first capital management server freeze described first participant according to the electronics acceptance and guarantee voucher that it is opened with the equipollent fund of described electronics acceptance and guarantee voucher;
Second capital management server receives the electronics acceptance and guarantee voucher that described first capital management server is opened, and to described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; And
Described second capital management server is borrowed money according to the residue that described second participant is initiated and is asked, and provides the second fund to described second participant; Wherein, described first fund is worth equal with the aggregate value of described second fund with the described loaning bill of asking of borrowing money, described first fund and described second fund by described second capital management Servers installed for give back in the given time.
2. debt-credit method according to claim 1, is characterized in that, the step that described first participant opens electronics acceptance and guarantee voucher according to the loaning bill request of the second participant to the first capital management server application comprises:
Described second participant initiates the request of described loaning bill by a server platform; And
Described first participant receives the request of described loaning bill, and according to described loaning bill request to described first capital management server application, and open described electronics acceptance and guarantee voucher by described first capital management server.
3. debt-credit method according to claim 1 and 2, it is characterized in that, described first capital management server is the capital management server of Bank One Corp., described second capital management server is the capital management server of secondary bank, and described 3rd capital management server platform is the capital management server of the 3rd bank or Third-party payment platform; To be described second participant give the credit line of described second participant or described second participant in the real estate of described first capital management server mortgage in the deposit of described first capital management server or described first capital management server to the described fund freezed.
4. debt-credit method according to claim 1 and 2, is characterized in that, described first capital management server and described second capital management server are same capital management server.
5. a debt-credit method, is characterized in that, described method comprises:
First capital management server receives application that the first participant proposes according to the loaning bill request of the second participant received and opens the electronics acceptance and guarantee voucher that the loaning bill that is less than described second participant request is worth; Wherein, to be described first participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described electronics acceptance and guarantee voucher;
Freeze described first participant according to described electronics acceptance and guarantee voucher with the equipollent fund of described electronics acceptance and guarantee voucher; And
Described electronics acceptance and guarantee voucher is sent to the second capital management server, makes described second capital management server to described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; Wherein, the first fund of described granting by described second capital management Servers installed for give back in the given time.
6. a debt-credit method, is characterized in that, described method comprises:
Second capital management server receives the electronics acceptance and guarantee voucher that the first capital management server is opened according to the application of the first participant; Wherein, described application receives the loaning bill request of the second participant for described first participant and sends to described first capital management server, the value of described electronics acceptance and guarantee voucher is less than the loaning bill value of described second participant request, and open as guaranty money to described first capital management server application and by the first capital management server using its account fund or the accrediting amount for described first participant;
To described second participant granting and equipollent first fund of described electronics acceptance and guarantee voucher; And
The second fund is provided to described second participant according to the residue loan requests that described second participant is initiated; Wherein, the aggregate value of described first fund and described second fund is equal with the described loan to value of asking of borrowing money, described first fund and described second fund by described second capital management Servers installed for give back in the given time.
7. a data interactive processing method, is characterized in that, described method comprises:
The request of data that first data initiator initiates to need to increase to its data cell the first data value according to request of data side is filed an application to first service side, and opens according to the application of the first data initiator the data voucher being less than described first data value size by described first service root; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side;
With the equal-sized Part I data of data value representated by described data voucher in the data cell of the described first data initiator of described data voucher locking that described first service root is opened according to it;
Second service side receives the data voucher opened described first service side, and increases the data value equal with described Part I size of data to described request of data side data cell; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell; And
Described second service root, according to the request of data of the increase that described request of data side the initiates data value equal with Part II size of data, increases the data value equal with described Part II size of data to described request of data side data cell; Wherein, the data value summation of described Part I data and described Part II data is described first data value.
8. a data interaction disposal system, is characterized in that, described system comprises:
Request of data terminal, for initiating the first request of data needing to increase by the first data value to its data cell;
Data initiating terminal, for proposing the application of opening data voucher according to described first request of data;
First server, for opening the data voucher being less than described first data value size according to described application, according in the data cell of its described first data initiating terminal of described data voucher locking opened with the equal-sized Part I data of data value representated by described data voucher; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described first server;
Second server, for receiving the described data voucher that described first server is opened, and increases the data value equal with described Part I size of data to described request of data terminal data unit; And the request of data of the increase to initiate according to the described request of data terminal data value equal with Part II size of data, to the data value that described request of data terminal data unit increase is equal with described Part II size of data;
Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data terminal in the given time should increase the data value equal with described first size of data to second server data cell.
9. a data interactive processing method, is characterized in that, described method comprises:
First service root opens according to the request of data side that the first data initiator receives initiates to need to increase the application of the first request of data of the first data value to its data cell the data voucher being less than described first data value size; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side;
According in the data cell of the described first data initiator of described data voucher locking with the equal-sized Part I data of data value representated by described data voucher; And
Described data voucher is sent to second service side, makes request of data side's data cell described in described second service direction increase the data value equal with described Part I size of data; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.
10. a data interaction treating apparatus, is characterized in that, described device comprises:
Module opened by data voucher, and the request of data side for receiving according to the first data initiator initiates need to increase the first request of data of the first data value to its data cell and open the data voucher being less than described first data value size; Wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described device;
Processing module, for according in the data cell of the described first data initiator of described data voucher locking with the equal-sized Part I data of data value representated by described data voucher; And
Provide module, for described data voucher is sent to second service side, make request of data side's data cell described in described second service direction increase the data value equal with described Part I size of data; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.
11. 1 kinds of data interactive processing methods, is characterized in that, described method comprises:
Second service side receives the data voucher that first service root is opened according to the application of the first data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value to its data cell for described first data initiator receives request of data side and is sent, described data voucher is less than described first data value size, and is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side;
The data value equal with described Part I size of data is increased to described request of data side data cell; And
The request of data of the data value that the increase initiated according to described request of data side is equal with Part II size of data, to the data value that data cell increase in described request of data side is equal with described Part II size of data;
Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.
12. 1 kinds of data interaction treating apparatus, is characterized in that, described device comprises:
Receiver module, for receiving the data voucher that first service root is opened according to the application of the first data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value to its data cell for described first data initiator receives request of data side and is sent, described data voucher is less than described first data value size, and is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side; And
Provide module, for increasing the data value equal with described Part I size of data to described request of data side data cell; And the request of data of the increase to initiate according to the described request of data side data value equal with Part II size of data, to the data value that data cell increase in described request of data side is equal with described Part II size of data;
Wherein, the data value summation of described Part I data and described Part II data is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105808325A (en) * | 2016-03-03 | 2016-07-27 | 布比（北京）网络技术有限公司 | Data processing method and apparatus |
| WO2016191937A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| WO2016191926A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
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2015
- 2015-05-29 CN CN201510289602.8A patent/CN104915884A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191937A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| WO2016191926A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Lending method, and data interaction processing method, device and system |
| CN105808325A (en) * | 2016-03-03 | 2016-07-27 | 布比（北京）网络技术有限公司 | Data processing method and apparatus |
| CN105808325B (en) * | 2016-03-03 | 2019-04-12 | 布比（北京）网络技术有限公司 | A kind of method and device of data processing |
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