CN104966233A - On-line loan method, data interactive processing method, apparatus and system - Google Patents
On-line loan method, data interactive processing method, apparatus and system Download PDFInfo
- Publication number
- CN104966233A CN104966233A CN201510288168.1A CN201510288168A CN104966233A CN 104966233 A CN104966233 A CN 104966233A CN 201510288168 A CN201510288168 A CN 201510288168A CN 104966233 A CN104966233 A CN 104966233A
- Authority
- CN
- China
- Prior art keywords
- data
- request
- participant
- management server
- voucher
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Abstract
The invention discloses an on-line loan method, a data interactive processing method, an apparatus and a system. The loan method comprises the following steps that a first participating party submits a loan request; a second participating party receives the loan request of the first participating party and submits a credit voucher opening application to a first fund management server; the first fund management server generates a credit voucher according to the credit voucher opening application, blocks a fund equal to the loan quota of the first participating part in the second participating party and further sends the credit voucher to a second fund management server; after receiving the credit voucher, the second fund management server sends a fund equal to the blocked fund to the first participating party; the second fund management server sets a granted fund repaying time and monitors the repaying date of the first participating party. By the above-mentioned means, the loan risks of a loan initiating party can be lowered.
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
Personalized lending is divided into individual's debt-credit among the people and the debt-credit between citizen and financial company.Due to personalized lending be mostly when semi-over even secret the funds transaction that carries out, debtor and creditor is generally examined so-called prestige and is maintained, borrow or lend money not completed in the formalities, lack guaranteed mortgage, without reliable legal assurance, once run into situation change, creditor very likely receives the fund of not returning and lending borrower.
And along with the development of Internet technology especially development of Mobile Internet technology, user can use the mode connecting Internets such as 2G, 3G, 4G or wifi to carry out activities such as concluding the business, social by mobile device, can carry out Above-the-line easily and effectively by Internet technology user, this is experience incomparable under line.Thus, be necessary to provide the loan method based on line.
Further, due to user to realize various ways data interaction by internet, thus, be necessary to provide the data interactive processing method based on line.
Summary of the invention
The object of the present invention is to provide debt-credit method on line.
Method borrowed or lent money by a kind of line provided by the invention, and described method comprises: the first participant submits the request of loaning bill to; Second participant receives the loaning bill request of described first participant, and submits to credit vouchers to open application to the first capital management server; Described first capital management server is opened application according to described credit vouchers and is generated credit vouchers, freezes fund equal with the loaning bill amount of described first participant in described second participant, and described credit vouchers is sent to the second capital management server; After described second capital management server receives described credit vouchers, to the fund that described first participant granting is equal with described blocked funds; Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant.
Method borrowed or lent money by another kind of line provided by the invention, and described method comprises: the first capital management server receives the credit vouchers that the second participant proposes according to the loaning bill request of the first participant and opens application; Open application according to described credit vouchers and generate credit vouchers, freeze fund equal with the loaning bill amount of described first participant in described second participant; And described credit vouchers is sent to the second capital management server, after making described second capital management server receive described credit vouchers, to the fund that described first participant granting is equal with described blocked funds; Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant.
Method borrowed or lent money by another kind of line provided by the invention, and described method comprises: the second capital management server receives credit vouchers; Wherein, described credit vouchers be the first capital management server receive the second participant according to the credit vouchers that the loaning bill request of the first participant proposes open application generate; And to the described first participant granting fund equal with blocked funds; Wherein, described blocked funds is that described first capital management server freezes fund equal with the loaning bill amount of described first participant in described second participant; Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant.
To reach the standard grade in upper debt-credit method, second participant outputs credit vouchers when the loaning bill request of reception first participant to the first capital management server application, and freeze corresponding fund by the first capital management server, the funds release freezed is given the first participant according to credit vouchers by the second capital management server.Thus, make capital management server as the medium platform of two participants, second participant is assured to the first capital management server, and is offered loans to the first participant by the second capital management server associated, thus facilitates the first participant by line is provided a loan; In addition, by the refund date of the first participant described in the second capital management server monitoring, the credit risk of loan initiator is reduced thus.
Another object of the present invention is to provide data interactive processing method, data interaction system and data processing equipment.
A kind of data interactive processing method provided by the invention, request of data side initiates the request of data needing to increase by the first data value to its data cell; Data initiator receives the request of data of described request of data side, and submits to data voucher to open application to service side; Described first service root is opened application according to described data voucher and is generated data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator, and described data voucher is sent to second service side; And after described second service side receives described data voucher, in described request of data side data cell, increase the data value equal with described first size of data; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
Another kind of data interactive processing method provided by the invention, described method comprises: application opened by the data voucher that first service side's reception data initiator proposes according to the request of data of request of data side; Wherein, described request of data is the request that described request of data side initiates to need to increase by the first data value to its data cell; Open application according to described data voucher and generate data voucher, lock the first data equal with the data value of described request of data side request in the data cell of described data initiator; And described data voucher is sent to second service side, after making described second service side receive described data voucher, in described request of data side data cell, increase the data value equal with described first size of data; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
Another kind of data interactive processing method provided by the invention, described method comprises: second service side receives data voucher; Wherein, described data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and described request of data is described request of data side initiation needs increase by request from the first data value to its data cell; And the data value equal with the first size of data is increased in described request of data side data cell; Wherein, described first data are that described first service side locks data equal with the data value of described request of data side request in the data cell of described data initiator; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
A kind of data interaction disposal system provided by the invention, described system comprises: request of data terminal, for initiating the request of data needing to increase by the first data value to its data cell; Data initiating terminal, for receiving the request of data of described request of data side, and submits to data voucher to open application to service side; First server, generates data voucher for opening application according to described data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator; Second server, after receiving described data voucher, increases the data value equal with described first size of data in described request of data side data cell; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
A kind of data interaction treating apparatus provided by the invention, described device comprises: receiver module, and application opened by the data voucher proposed according to the request of data of request of data side for receiving data initiator; Wherein, described request of data is the request that described request of data side initiates to need to increase by the first data value to its data cell; Processing module, generates data voucher for opening application according to described data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator; And granting module, for described data voucher is sent to second service side, after making described second service side receive described data voucher, in described request of data side data cell, increase the data value equal with described first size of data; Wherein, described device arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
Another kind of data interaction treating apparatus provided by the invention, described device comprises: receiver module, for receiving data voucher; Wherein, described data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and described request of data is described request of data side initiation needs increase by request from the first data value to its data cell; And granting module, for increasing the data value equal with the first size of data in described request of data side data cell; Wherein, described first data are that described first service side locks data equal with the data value of described request of data side request in the data cell of described data initiator; Wherein, described device arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell
In above data interactive processing method, data interaction system and data processing equipment, when data initiator is when receiving request of data side and initiating to need to increase the request of data of the first numerical value in its data cell, data voucher is outputed according to the request of data initiator by first service root, and lock corresponding first data, make second service root add the numerical value of the first data to request of data side according to data voucher, and require that the numerical value of the first data is added into second service side's data cell by request of data side in the given time.Thus, in data exchange process, first and second service side is added reciprocal process, be sent to the data issuer making service side become actual after service side carries out credit underwriting data initiator, thus make that the interaction process of data is more convenient, safety.
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 the debtor-creditor relationship schematic diagram in embodiment of the present invention;
Fig. 3 is a kind of schematic flow sheet borrowing or lending money method in second embodiment of the invention;
Fig. 4 is a kind of schematic flow sheet borrowing or lending money method in third embodiment of the invention;
Fig. 5 is a kind of schematic flow sheet borrowing or lending money method in four embodiment of the invention
Fig. 6 is the schematic flow sheet of a kind of data interactive processing method in first embodiment of the invention;
Fig. 7 is the data interaction relation schematic diagram in embodiment of the present invention;
Fig. 8 is the schematic flow sheet of a kind of data interactive processing method in second embodiment of the invention;
Fig. 9 is the schematic flow sheet of a kind of data interactive processing method in third embodiment of the invention;
Figure 10 is the structural representation of a kind of data interaction disposal system in embodiment of the present invention;
Figure 11 is the annexation schematic diagram of the data interaction in embodiment of the present invention;
Figure 12 is the structural scheme of mechanism of a kind of data interaction treating apparatus in first embodiment of the invention;
Figure 13 is the structural scheme of mechanism 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.
Refer to Fig. 1, for a kind of line of first embodiment of the invention being borrowed or lent money the schematic flow sheet of method.Please refer to Fig. 2, in conjunction with debtor-creditor relationship schematic diagram, the method flow shown in this embodiment comprises the following steps:
Step S10, the first participant submits the request of loaning bill to.
This credit vouchers is silver letter card, and for loan, initiator opens using its bank account capital or the accrediting amount as guarantee, and Bank promise handles the electronic credit voucher of receipt and payment clearing according to separating the condition of paying.
Step S11, the second participant receives the loaning bill request of this first participant, backward first capital management server submit to credit vouchers open application.
Refer to Fig. 3, further, step S10, that is, the first participant submits the request of loaning bill to, realizes especially by following steps:
Step S10a, this first participant initiates this loaning bill request by a server platform.
Wherein, this server platform can be electric business's platform, and the first participant 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 11, that is, the second participant receives the loaning bill request of this first participant, backward first capital management server submit to credit vouchers open application, realize especially by following steps:
Step S11a, this second participant receives this loaning bill request by this server platform, submits to credit vouchers to open application to the first capital management server.
Second participant also can access the loaning bill request that the first participant was searched, received to this server platform.Further, the second participant can check by this server platform the loan requests that multiple first participant is initiated, and selects suitable reception.
Step S12, this the first capital management server is opened application according to this credit vouchers and is generated credit vouchers, freeze fund equal with the loaning bill amount of this first participant in this second participant afterwards, and this credit vouchers is sent to the second capital management server.
Step S13, after this second capital management server receives this credit vouchers, to the fund that this first participant granting is equal with this blocked funds.Wherein, the refund time of the fund of this this granting of the second capital management Servers installed, and monitor the refund date of this first participant.
This first capital management server is the account management server of this second participant, and this second capital management server is the account management server of this first participant.
In the present embodiment, this first capital management server is the capital management server of Bank One Corp., and this second capital management server is the capital management server of secondary bank.The fund that this fund freezed gives corresponding to real estate that the credit line of this second participant or this second participant mortgage in this first capital management server for this second participant in the deposit of this first capital management server or this first capital management server.
In another embodiment, this first capital management server and this second capital management server are same capital management server.
Further, in the present embodiment, this first participant is loaning bill side, and this second participant is loan initiator.
Such as, loaning bill side sends the loaning bill request of debt-credit 100,000, loan initiator receives this loaning bill asks backward Bank One Corp. application to open credit vouchers, this Bank One Corp. generates credit vouchers, the afterwards fund of frozen loan initiator in this Bank One Corp. according to application, wherein, the fund of blocked funds is equal with the fund of credit vouchers, that is, frozen loan initiator Bank One Corp. deposit in 100,000, as loan initiator guarantee.Then, according to the credit vouchers that Bank One Corp. sends over, secondary bank is by the funds release of 100,000 to the side of loaning bill, and so far the loaning bill of the side of loaning bill is successful.
For loan initiator, 100,000 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 100,000 deposit is still in loan promoter account, belong to guarantee side, therefore the risk of initiator of providing a loan reduces greatly, simultaneously also because thus this 100,000 deposit still to one's name may obtain other interests.For loaning bill Fang Eryan, it is not to bank loan to loan initiator 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 100,000 fund of lending is stored as guarantee by frozen 100,000 of lender, and risk is not born completely by party of one's own, 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, second participant opens credit vouchers when the loaning bill request of reception first participant to the first capital management server application, and the corresponding fund of the second participant is freezed by the first capital management server, the second capital management server provides fund according to credit vouchers to the first participant.Thus, make capital management server as the medium platform of two participants, second participant is assured to the first capital management server, and is offered loans to the first participant by the second capital management server associated, thus facilitates the first participant by line is provided a loan.In addition, by the refund date of second this first participant of capital management server monitoring, the credit risk of loan initiator is reduced thus.
Refer to Fig. 4, for the line in third embodiment of the invention being borrowed or lent money the schematic flow sheet of method.Method flow shown in this embodiment comprises:
Step S20, the first capital management server receives the credit vouchers that the second participant proposes according to the loaning bill request of the first participant and opens application.
Step S21, opens application according to this credit vouchers and generates credit vouchers, freeze fund equal with the loaning bill amount of this first participant in this second participant.
This credit vouchers is silver letter card, and for loan, initiator opens using its bank account capital or the accrediting amount as guarantee, and Bank promise handles the electronic credit voucher of receipt and payment clearing according to separating the condition of paying.
Step S22, is sent to the second capital management server by this credit vouchers, after making this second capital management server receive this credit vouchers, to the fund that this first participant granting is equal with this blocked funds.
Wherein, the refund time of the fund of this this granting of the second capital management Servers installed, and monitor the refund date of this first participant.
This first capital management server is the account management server of this second participant, and this second capital management server is the account management server of this first participant.
In the present embodiment, this first capital management server is the capital management server of Bank One Corp., and this second capital management server is the capital management server of secondary bank.The fund that this fund freezed gives corresponding to real estate that the credit line of this second participant or this second participant mortgage in this first capital management server for this second participant in the deposit of this first capital management server or this first capital management server.
In another embodiment, this first capital management server and this second capital management server are same capital management server.
Further, in the present embodiment, this first participant is loaning bill side, and this second participant is loan initiator.
Refer to Fig. 5, for the line in four embodiment of the invention being borrowed or lent money the schematic flow sheet of method.Method flow shown in this embodiment comprises:
Step S30, the second capital management server receives credit vouchers.Wherein, this credit vouchers be the first capital management server receive the second participant according to the credit vouchers that the loaning bill request of the first participant proposes open application generate.
Step S31, to the fund that this first participant granting is equal with blocked funds.Wherein, this blocked funds is that this first capital management server freezes fund equal with the loaning bill amount of this first participant in this second participant.
Wherein, the refund time of the fund of this this granting of the second capital management Servers installed, and monitor the refund date of this first participant.
This first capital management server is the account management server of this second participant, and this second capital management server is the account management server of this first participant.
In the present embodiment, this first capital management server is the capital management server of Bank One Corp., and this second capital management server is the capital management server of secondary bank.The fund that this fund freezed gives corresponding to real estate that the credit line of this second participant or this second participant mortgage in this first capital management server for this second participant in the deposit of this first capital management server or this first capital management server.
In another embodiment, this first capital management server and this second capital management server are same capital management server.
Further, in the present embodiment, this first participant is loaning bill side, and this second participant is loan initiator.
Referring to Fig. 6, is the schematic flow sheet of a kind of data interactive processing method of first embodiment of the invention.Please refer to Fig. 7, data interaction relation schematic diagram, the method flow shown in this embodiment comprises:
Step S40, request of data side initiates the request of data needing to increase by the first data value to its data cell.
Further, this request of data side initiates the request of data of needs first data by first service applicator platform.
Step S41, data initiator receives the request of data of this request of data side, and submits to data voucher to open application to first service side.
Particularly, these data initiator outputs to service side's application the data voucher being equivalent to this first data value 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 outputs data voucher by electric business's platform response request of data.
Step S42, this first service root is opened application according to this data voucher and is generated data voucher, locks the first data equal with the data value of this request of data side's request in the data cell of these data initiator, and this data voucher is sent to second service side.
Step S43, after this second service side receives this data voucher, increases the data value equal with this first size of data in this request of data side's data cell.Wherein, this second service side arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
Below the data interactive processing method in embodiment of the present invention is illustrated.
Such as, this request of data side is user A, and these data initiator is user B.User B is the keeper of multiple client, and has a corresponding password for performing the authority of keeper for each client.Client can be personal computer, panel computer, smart mobile phone etc. can carry out data interaction transmission equipment by network and server.User A initiates the request of data of needs first data by first service applicator platform, and wherein, these first data are the password of the administrator right of one of them client of request.As, user A is to the password of the administrator right of user B requesting client 2.
When user B is by receiving this first request of data, output data voucher by second service applicator platform to the application of first service side.Wherein, the administrator's password of user B is all kept in second service side, and for each client, the severity level of corresponding administrator right is different.Such as, client 1 is corporate server, client 2 is panel computer, client 3 is personal computer.Therefore, need the severity level of the administrator right arranging client 1 the highest, the severity level of the administrator right of client 3 secondly, the severity level of the administrator right of client 2 is last.When user B agrees to the administrator right of client 2 to give user A, provide corresponding data voucher to first service side.Operation Log when this data voucher can be user B administrative client 2, in order to prove safety, the reliability of user B.
When first service side receives the data voucher of user B submission, freeze the administrator right of user B to client 2 according to the related content of data voucher, that is, user B cannot use corresponding codon pair client 2 to manage.Meanwhile, the password of the administrator right of client 2 is sent to user A by the data voucher that second service root sends according to first service side.Further, second service side can set the time that user A gives back the administrator right of client 2.Such as, second service side arranges user A needs, within the time of 1 month, the administrator right of client 2 is returned to user B.
When the administrator right of client 2 is returned to second service side by user A within the time of one month, then first service side thaws the administrator right of user B to client 2, and user A cannot re-use corresponding codon pair client 2 and manages.When user A did not expire at one month, the administrator right of client 2 is returned to second service side, then second service direction user A sends notice to point out it to give back administrator right.If exceed certain time limit, second service side does not still receive the administrator right of the client 2 that user A gives back, then completely abolish the administrator right of user B to client 2.
Above, when user B (data initiator) receives the request of the administrator right password of user A (request of data side) request acquisition client 2, the administrator right password of client 2 is sent to user A by the data voucher notice second service side that first service root is submitted to according to user B.On the one hand, the process that administrator right is given user A by user B carries out risk management and control by service side, needs the data voucher of user B as guarantee, administrator right can not arbitrarily to be shifted.On the other hand, when user A gives back or does not give back administrator right on time, service side can notify that user A returns in time or cancels the administrator right of user B, thus ensure that the administrator right of client only has one, thus the data management of client can not be caused chaotic, and avoid the risk problem occurring client data safety.
Further, the data of request can also be the funds data etc. of lteral data, voice data, video data, routine data or financial field, if funds data, such as fund, then now request of data side is loaning bill side, and data initiator is loan requests side, and server is capital management server, such as, bank.If voice data, such as song, now request of data side and data initiator can be the clients that mobile phone etc. has multi-media player function, and server is music site server.
Refer to Fig. 8, be a kind of data interactive processing method of second embodiment of the invention, the method flow shown in this embodiment comprises:
Step S50, application opened by the data voucher that first service side's reception data initiator submits to according to the request of data of request of data side.Wherein, this request of data is the request that this request of data side initiates to need to increase by the first data value to its data cell.
Particularly, this request of data side initiates the request of data of needs first data by first service applicator platform.These data initiator outputs to service side's application the data voucher being equivalent to this first data value 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 outputs data voucher by electric business's platform response request of data.
Step S51, opens application according to this data voucher and generates data voucher, lock the first data equal with the data value of this request of data side's request in the data cell of these data initiator.
Step S52, is sent to second service side by this data voucher, after making this second service side receive this data voucher, in this request of data side's data cell, increases the data value equal with this first size of data.
Wherein, this second service side arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
Refer to Fig. 9, 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 data voucher.Wherein, this data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and this request of data is this request of data side initiation needs increase by request from the first data value to its data cell.
Step S61, increases the data value equal with the first size of data in this request of data side's data cell.Wherein, these first data are that this first service side locks data equal with the data value of this request of data side's request in the data cell of these data initiator.
Wherein, this second service side arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
Please refer to Figure 10,11, it 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, data initiating terminal 72, first server 73 and second server.
This request of data terminal 71 is for initiating the request of data needing to increase by the first data value to its data cell.
Wherein, this request of data terminal 71 initiates the request of data of needs first data by first service applicator platform.
This data initiating terminal 72 for receiving the request of data of this request of data side, and submits to data voucher to open application to service side.
Particularly, this data initiating terminal 72 outputs to first server 73 application the data voucher being equivalent to this first data value 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, 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 data initiating terminal 72 outputs data voucher by electric business's platform response request of data.
This first server 73 generates data voucher for opening application according to this data voucher, locks the first data equal with the data value that this request of data terminal 71 is asked in the data cell of these data initiator.
This second server 74, for after receiving this data voucher, increases the data value equal with this first size of data in this request of data side's data cell.Wherein, this second service side arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
Referring to Figure 12, 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 receiver module 81, processing module 82 and provides module 83.In the present embodiment, this device 80 operates in a banking system.
This receiver module 81 opens application for the data voucher receiving data initiator and propose according to the request of data of request of data side.Wherein, this request of data is the request that this request of data side initiates to need to increase by the first data value to its data cell.
Particularly, this receiver module 81 receives by a server platform data voucher that data initiating terminals outputs.
This processing module 82 generates data voucher for opening application according to this data voucher, locks the first data equal with the data value of this request of data side's request in the data cell of these data initiator.
This granting module 83, for this data voucher is sent to second service side, after making this second service side receive this data voucher, increases the data value equal with this first size of data in this request of data side's data cell.
Wherein, this device arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
Referring to Figure 13, 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.
This receiver module 91 is for receiving data voucher.Wherein, this data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and this request of data is this request of data side initiation needs increase by request from the first data value to its data cell.
This granting module 92 for increasing the data value equal with the first size of data in this request of data side's data cell.Wherein, these first data are that this first service side locks data equal with the data value of this request of data side's request in the data cell of these data initiator.
Wherein, this device arranges this second service side's data cell of this request of data Fang Yingxiang in the given time increases the data value equal with this first size of data.
In a kind of data interactive processing method provided by the invention, data interaction system and data processing equipment, when data initiator is when receiving request of data side and initiating to need to increase the request of data of the first numerical value in its data cell, data voucher is outputed according to the request of data initiator by first service root, and lock corresponding first data, make second service root add the numerical value of the first data to request of data side according to data voucher, and require that the numerical value of the first data is added into second service side's data cell by request of data side in the given time.Thus, in data exchange process, first and second service side is added reciprocal process, be sent to the data issuer making service side become actual after service side carries out credit underwriting data initiator, thus make that the interaction process of data is more convenient, safety.
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 method borrowed or lent money by line, it is characterized in that, said method comprising the steps of:
First participant submits the request of loaning bill to;
Second participant receives the loaning bill request of described first participant, backward first capital management server submit to credit vouchers to open application;
Described first capital management server is opened application according to described credit vouchers and is generated credit vouchers, freeze fund equal with the loaning bill amount of described first participant in described second participant afterwards, and described credit vouchers is sent to the second capital management server;
After described second capital management server receives described credit vouchers, to the fund that described first participant granting is equal with described blocked funds;
Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant;
Described first capital management server is the account management server of described second participant,
Described second capital management server is the account management server of described first participant.
2. method borrowed or lent money by line according to claim 1, it is characterized in that, described first participant submits to the step of the request of loaning bill to be specially:
Described first participant initiates the request of described loaning bill by a server platform;
After described second participant receives the loaning bill request of described first participant, the step submitting to credit vouchers to open application to the first capital management server is specially:
Described second participant receives the request of described loaning bill by described server platform, submits to credit vouchers to open application to the first capital management server.
3. method borrowed or lent money by line 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., and described second capital management server is the capital management server of secondary bank; The described fund freezed for described second participant in the deposit of described first capital management server or described first capital management server give the credit line of described second participant or described second participant in described first capital management server mortgage real estate corresponding to fund.
4. method borrowed or lent money by line according to claim 1, it is characterized in that, described first capital management server and described second capital management server are same capital management server.
5. a method borrowed or lent money by line, it is characterized in that, described method comprises:
First capital management server receives the credit vouchers that the second participant proposes according to the loaning bill request of the first participant and opens application;
Open application according to described credit vouchers and generate credit vouchers, freeze fund equal with the loaning bill amount of described first participant in described second participant; And
Described credit vouchers is sent to the second capital management server, after making described second capital management server receive described credit vouchers, to the fund that described first participant granting is equal with described blocked funds;
Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant.
6. a method borrowed or lent money by line, it is characterized in that, described method comprises:
Second capital management server receives credit vouchers; Wherein, described credit vouchers be the first capital management server receive the second participant according to the credit vouchers that the loaning bill request of the first participant proposes open application generate; And
To the fund that described first participant granting is equal with blocked funds; Wherein, described blocked funds is that described first capital management server freezes fund equal with the loaning bill amount of described first participant in described second participant;
Wherein, the refund time of the fund provided described in described second capital management Servers installed, and monitor the refund date of described first participant.
7. a data interactive processing method, is characterized in that, described method comprises:
Request of data side initiates the request of data needing to increase by the first data value to its data cell;
Data initiator receives the request of data of described request of data side, and submits to data voucher to open application to first service side;
Described first service root is opened application according to described data voucher and is generated data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator, and described data voucher is sent to second service side; And
After described second service side receives described data voucher, in described request of data side data cell, increase the data value equal with described first size of data; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
8. a data interactive processing method, is characterized in that, described method comprises:
Application opened by the data voucher that first service side's reception data initiator submits to according to the request of data of request of data side; Wherein, described request of data is the request that described request of data side initiates to need to increase by the first data value to its data cell;
Open application according to described data voucher and generate data voucher, lock the first data equal with the data value of described request of data side request in the data cell of described data initiator; And
Described data voucher is sent to second service side, after making described second service side receive described data voucher, in described request of data side data cell, increases the data value equal with described first size of data;
Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
9. a data interactive processing method, is characterized in that, described method comprises:
Second service side receives data voucher; Wherein, described data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and described request of data is described request of data side initiation needs increase by request from the first data value to its data cell; And
The data value equal with the first size of data is increased in described request of data side data cell; Wherein, described first data are that described first service side locks data equal with the data value of described request of data side request in the data cell of described data initiator;
Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
10. a data interaction disposal system, is characterized in that, described system comprises:
Request of data terminal, for initiating the request of data needing to increase by the first data value to its data cell;
Data initiating terminal, for receiving the request of data of described request of data side, and submits to data voucher to open application to service side;
First server, generates data voucher for opening application according to described data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator;
Second server, after receiving described data voucher, increases the data value equal with described first size of data in described request of data side data cell; Wherein, described second service side arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
11. 1 kinds of data interaction treating apparatus, is characterized in that, described device comprises:
Receiver module, application opened by the data voucher proposed according to the request of data of request of data side for receiving data initiator; Wherein, described request of data is the request that described request of data side initiates to need to increase by the first data value to its data cell;
Processing module, generates data voucher for opening application according to described data voucher, locks the first data equal with the data value of described request of data side request in the data cell of described data initiator; And
Provide module, for described data voucher is sent to second service side, after making described second service side receive described data voucher, in described request of data side data cell, increase the data value equal with described first size of data;
Wherein, described device arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
12. 1 kinds of data interaction treating apparatus, is characterized in that, described device comprises:
Receiver module, for receiving data voucher; Wherein, described data voucher is that first service side receives data initiators and opens application according to the data voucher that the request of data of request of data side proposes and generates, and described request of data is described request of data side initiation needs increase by request from the first data value to its data cell; And
Provide module, for increasing the data value equal with the first size of data in described request of data side data cell; Wherein, described first data are that described first service side locks data equal with the data value of described request of data side request in the data cell of described data initiator;
Wherein, described device arranges described request of data side in the given time should increase the data value equal with described first size of data to described second service side data cell.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510288168.1A CN104966233A (en) | 2015-05-29 | 2015-05-29 | On-line loan method, data interactive processing method, apparatus and system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201510288168.1A CN104966233A (en) | 2015-05-29 | 2015-05-29 | On-line loan method, data interactive processing method, apparatus and system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN104966233A true CN104966233A (en) | 2015-10-07 |
Family
ID=54220265
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510288168.1A Pending CN104966233A (en) | 2015-05-29 | 2015-05-29 | On-line loan method, data interactive processing method, apparatus and system |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN104966233A (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191918A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN106296395A (en) * | 2016-08-18 | 2017-01-04 | 深圳前海微众银行股份有限公司 | Loan operational approach and device |
| CN111507823A (en) * | 2020-04-15 | 2020-08-07 | 贵州新致普惠信息技术有限公司 | Loan data interaction method and device |
-
2015
- 2015-05-29 CN CN201510288168.1A patent/CN104966233A/en active Pending
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2016191918A1 (en) * | 2015-05-29 | 2016-12-08 | 深圳市银信网银科技有限公司 | Online lending method, and data interaction processing method, device and system |
| CN106296395A (en) * | 2016-08-18 | 2017-01-04 | 深圳前海微众银行股份有限公司 | Loan operational approach and device |
| CN111507823A (en) * | 2020-04-15 | 2020-08-07 | 贵州新致普惠信息技术有限公司 | Loan data interaction method and device |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN104966233A (en) | On-line loan method, data interactive processing method, apparatus and system | |
| CN104915880A (en) | Borrowing and lending method and data interactive processing method, device and system | |
| CN104915884A (en) | Borrowing and lending method and data interactive processing method, device and system | |
| CN104966231A (en) | On-line loan method, data interactive processing method, apparatus and system | |
| CA2987688C (en) | Lending method, and data interaction processing method, device and system | |
| CN104966236A (en) | On-line loan method, data interactive processing method, apparatus and system | |
| CN104966232A (en) | On-line loan method, data interactive processing method, apparatus and system | |
| CA2987692C (en) | Lending method, and data interaction processing method, device and system | |
| CN105096191A (en) | Lending method and data interactive processing method, apparatus and system | |
| CN104966234A (en) | Loan method, data interactive processing method, apparatus and system | |
| CA3093425C (en) | Online lending method, and data interaction processing method, device and system | |
| CA3071334C (en) | Lending method, and data interaction processing method, device and system | |
| CA2987499C (en) | Online lending method, and data interaction processing method, device and system | |
| CA3112662C (en) | Online lending method, and data interaction processing method, device and system | |
| CN104966235A (en) | Loan method, data interactive processing method, apparatus and system | |
| CN104966230A (en) | Loan method, data interactive processing method, apparatus and system | |
| CA3176641A1 (en) | Lending method, and data interaction processing method, device and system | |
| CA3084220A1 (en) | Online lending method, and data interaction processing method, device and system | |
| CA2987464A1 (en) | Lending method, data interaction processing method, apparatus and system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20151007 |
|
| WD01 | Invention patent application deemed withdrawn after publication |