CN104966235A - Loan method, data interactive processing method, apparatus and system - Google Patents

Abstract

The invention discloses a loan method, a data interactive processing method, an apparatus and a system. The method comprises the following steps that a first participating party applies to open an electronic acceptance payment document towards a first fund management server according to second money borrowing requests respectively initiated by a second participating party and a third participating party with respect to the same project, wherein, the value of the electronic acceptance payment document is less than the money borrowing sum; the first fund management server blocks the fund belonging to the first participating party and having a value equal to that of the electronic acceptance payment document according to the electronic acceptance payment document; and a second fund management server grants funds to a first money borrowing party and a second money borrowing party according to the electronic acceptance payment document. The granted funds are set by the first fund management server to be repaid within a preset time period. By the above-mentioned means, the loan risks of a loan party can be lowered.

Description

Debt-credit method, data interactive processing method, Apparatus and system

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 be applied for the mode of bank debit and credit by debt-credit mode direct between body and individuality or individuality.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: 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 is borrowed money according to the first loaning bill request and second that the second participant and the 3rd participant just belong to a project and initiate respectively and asked, and opens electronics acceptance and guarantee voucher to the first capital management server application; Wherein, the described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; To be described first participant opened by the 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; Described first capital management server freeze described first participant according to the described 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 described electronics acceptance and guarantee voucher that described first capital management server is opened, and to the Part I fund that the loaning bill being equivalent to described first loaning bill request that described second participant is provided in described blocked funds is worth, provide the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; And the residue loan requests that described second capital management server is initiated according to described 3rd participant provides the 3rd fund to described 3rd participant; Wherein, the aggregate value of described Part II fund and described 3rd fund equals the described second loaning bill of asking of borrowing money and is worth, and first and second part fund described and the 3rd 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 the first participant respectively according to the application that the first loaning bill is asked and the second loaning bill is asked and proposed that the second participant and the 3rd participant just belong to a project and initiate respectively, opens electronics acceptance and guarantee voucher; Wherein, the described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; 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 its described electronics acceptance and guarantee voucher opened with the equipollent fund of described electronics acceptance and guarantee voucher; Described electronics acceptance and guarantee voucher is sent to the second capital management server, the Part I fund that described second capital management server is worth to the loaning bill being equivalent to described first loaning bill request that described second participant is provided in described blocked funds, provides the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; Wherein, first and second part fund described 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, the first request and second of borrowing money that described application just belongs to a project and initiates respectively according to the second participant and the 3rd participant for described first participant is respectively borrowed money and is asked and send to described first capital management server, described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; 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; Provide the Part I fund being equivalent to the loaning bill value of described first loaning bill request in described blocked funds to described second participant, provide the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; And provide the 3rd fund according to the residue loan requests that described 3rd participant is initiated to described 3rd participant; Wherein, the aggregate value of described Part II fund and described 3rd fund equals the described second loaning bill of asking of borrowing money and is worth, and first and second part fund described and the 3rd 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 data interactive processing method, described method comprises: the first request of data that data initiator just obtains same target data and initiates respectively according to the first request of data side and the second request of data side and the second request of data, file an application respectively to first service side, and open data voucher by described first service side; Wherein, the data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; Described first service root according to the described data voucher that it is opened lock in described data initiator data cell with the equal-sized data of data value summation representated by described data voucher; Second service side receives described first service side and opens data voucher, and increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; And the request of data of the increase data value equal with Part III size of data that described second service root is initiated according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

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: the first request of data terminal, for initiating the first request of data needing to increase by the first data value to its data cell; Second request of data terminal, for initiating the second request of data needing to increase by the second data value to its data cell; Wherein, described first data value and described second data value belong to a target data; Data initiating terminal, for proposing the application of opening data voucher according to described first request of data and the second request of data respectively; First server, opens data voucher for the application proposed according to described data initiating terminal, according to its described data voucher opened lock in described data initiator data cell with the equal-sized data of data value summation representated by described data voucher; Wherein, the data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; Second server, data voucher is opened for receiving described first service side, and increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; And the request of data of the increase data value equal with Part III size of data of to initiate according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; The data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

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 initiates according to the first request of data side that data initiator receives needs increases the first request of data of the first data value to its data cell and the second request of data side initiation needs increase the second request of data of the second data value to its data cell and open data voucher; Wherein, described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; According to its described data voucher opened lock in described data initiator data cell with the equal-sized data of data value summation representated by described data voucher; And described data voucher is sent to second service side, make first request of data side's data cell described in described second service direction increase the Part I data value with the data value size of described first data, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data.

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 first request of data side for receiving according to data initiator initiates to need to increase the first request of data of the first data value to its data cell and the second request of data side initiates to need to increase the second request of data of the second data value to its data cell and opens data voucher; Wherein, described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; Processing module, the described data voucher for opening according to it lock in described data initiator data cell with the equal-sized data of data value summation representated by described data voucher; And granting module, for described data voucher is sent to second service side, make first request of data side's data cell described in described second service direction increase the Part I data value with the data value size of described first data, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data.

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 first service root and opens data voucher according to the application of data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value and the second request of data side to its data cell and is initiated to need to increase the second request of data of the second data value to its data cell for described data initiator receives the first request of data side respectively and send, and described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; Increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; And the request of data of the increase data value equal with Part III size of data of to initiate according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

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, opens data voucher for receiving first service root according to the application of data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value and the second request of data side to its data cell and is initiated to need to increase the second request of data of the second data value to its data cell for described data initiator receives the first request of data side respectively and send, and described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; And granting module, for increasing the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; And the request of data of the increase data value equal with Part III size of data of to initiate according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; The data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

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 is borrowed money according to the first loaning bill request and second that the second participant and the 3rd participant just belong to a project and initiate respectively and is asked, and opens electronics acceptance and guarantee voucher respectively to the first capital management server application.Wherein, this first loaning bill of borrowing money request is worth the loaning bill being less than this second loaning bill request and is worth, the value of this electronics acceptance and guarantee voucher is less than the loaning bill aggregate value of this first and second loaning bill side request, and between the data value and the data value size of described second data of described first data.To be this first participant opened by the 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 second and third participant is loaning bill side.

Refer to Fig. 2, further, step S10, namely, first participant is borrowed money according to the first loaning bill request and second that the second participant and the 3rd participant just belong to a project and initiate respectively and is asked, open electronics acceptance and guarantee voucher respectively to the first capital management server application, realize especially by following steps:

Step S10a, this second participant and the 3rd participant initiate to belong to this first loaning bill request under a project and this second loaning bill request respectively 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 first loaning bill request and this second loaning bill request, and file an application to this first capital management server according to this first loaning bill request and this second request of borrowing money, and open this electronics acceptance and guarantee voucher by this first capital management server.

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 this electronics acceptance and guarantee voucher that it is opened with the equipollent fund of this electronics acceptance and guarantee voucher.

To be this first 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 first participant or this first participant mortgage in this first capital management server to this fund freezed.

Step S12, second capital management server receives this electronics acceptance and guarantee voucher that this first capital management server is opened, and to the Part I fund that loaning bill being equivalent to this first loaning bill request that this second participant is provided in this blocked funds is worth, provide the Part II fund in this blocked funds to the 3rd participant.Wherein, the aggregate value of this Part I fund and this Part II fund is equivalent to this blocked funds, and loaning bill that the value of this Part II fund is less than this second loaning bill request is worth.

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 residue loan requests that this second capital management server is initiated according to the 3rd participant provides the 3rd fund to the 3rd participant.Wherein, the aggregate value of this Part II fund and the 3rd fund equals this second loaning bill of asking of borrowing money and is worth, and this first and second part fund and the 3rd fund by this 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 3rd participant before the 3rd participant granting the 3rd fund, and provides the 3rd fund when assessing qualified.

Such as, the first loaning bill side sends the first loaning bill request of debt-credit 80,000, and the second loaning bill side sends the second loaning bill request of debt-credit 100,000, and loan initiator receives this first and second backward Bank One Corp. of loaning bill request and files an application to open electronics acceptance and guarantee voucher.Wherein, the value of electronics acceptance and guarantee voucher is equivalent to 90,000, is less than the first loaning bill request and second and borrows money the loan summation of request, be greater than the loan of the first loaning bill request and be less than the loan of the second loaning bill request.This Bank One Corp. opens electronics acceptance and guarantee voucher according to the application of loan initiator, and according to the fund of electronics acceptance and guarantee voucher frozen loan initiator in this Bank One Corp. opened, wherein, the value of blocked funds is equal with the value of electronics acceptance and guarantee voucher.As, during frozen loan initiator consigns money in a bank 90,000, as the guarantee of loan initiator.Then, secondary bank receives the electronics acceptance and guarantee voucher that Bank One Corp. is opened, according to the loaning bill request dispatching of the first loaning bill side and the second loaning bill side this 90,000, as, provide 80,000 in 90,000 funds to the first loaning bill side, provide residue 10,000 to the second loaning bill side, the first loaning bill side borrows money successfully, second loaning bill side proposes loaning bill request for the loaning bill of remainder to bank respectively, and bank provides 90,000 funds to the second loaning bill side when qualified to the credit evaluation of the second loaning bill side.

For lender, 90,000 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 90,000 deposit is still in lender account, belong to lender, therefore risk reduces greatly, simultaneously also because thus this 90,000 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 90,000 fund of lending is stored as guarantee by frozen 90,000 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 aggregate value being less than request respectively to the first capital management server application when receiving the loaning bill request of second and third participant, after making the first capital management server open electronics acceptance and guarantee voucher, freeze the first participant fund, and provide loaning bill equipollent fund with request according to electronics acceptance and guarantee voucher to second and third participant by the second capital management server, the second capital management server is directly provided to the 3rd participant for remaining loan simultaneously.Thus make capital management server as the medium platform of the 3rd participant and participant, participant to the guarantee of capital management server, and is offered loans to the 3rd 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 the first participant respectively according to the application that the first loaning bill is asked and the second loaning bill is asked and proposed that the second participant and the 3rd participant just belong to a project and initiate respectively, opens electronics acceptance and guarantee voucher.Wherein, this first loaning bill of borrowing money request is worth the loaning bill being less than this second loaning bill request and is worth, the value of this electronics acceptance and guarantee voucher is less than the loaning bill of this first and second loaning bill side request, and between the data value and the data value size of described second data of described first data.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 second and third participant is loaning bill side.

Step S21, freeze this first participant according to its this electronics acceptance and guarantee voucher opened with the equipollent fund of this electronics acceptance and guarantee voucher.

This fund freezed is respectively this first participant and gives in the deposit of this first capital management server or this first capital management server the real estate that the credit line of this first participant or this first participant mortgage in this first capital management server.

Step S22, this electronics acceptance and guarantee voucher is sent to the second capital management server, the Part I fund that this second capital management server is worth to loaning bill being equivalent to this first loaning bill request that this second participant is provided in this blocked funds, provides the Part II fund in this blocked funds to the 3rd participant.Wherein, the aggregate value of this Part I fund and this Part II fund is equivalent to this blocked funds, and loaning bill that the value of this Part II fund is less than this second loaning bill request is worth.Wherein, this first and second part fund 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 3rd participant is initiated and is asked, and provides the 3rd fund to the 3rd participant.Wherein, the aggregate value of first, second and third fund and the loaning bill of asking of borrowing money are worth equal, first, second and third 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 S30, 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, the first request and second of borrowing money that described application just belongs to a project and initiates respectively according to the second participant and the 3rd participant for described first participant is respectively borrowed money and is asked and send to this first capital management server, this first loaning bill of borrowing money request is worth the loaning bill being less than this second loaning bill request and is worth, the value of this electronics acceptance and guarantee voucher is less than the loaning bill aggregate value of this first and second loaning bill side request, and between the data value and the data value size of described second data of described first data.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.

Step S31, provides the Part I fund being equivalent to loaning bill value of this first loaning bill request in this blocked funds, provides the Part II fund in this blocked funds to the 3rd participant to this second participant.Wherein, the aggregate value of this Part I fund and this Part II fund is equivalent to this blocked funds, and loaning bill that the value of this Part II fund is less than this second loaning bill request is worth.

Step S32, provides the 3rd fund according to the residue loan requests that the 3rd participant is initiated to the 3rd participant.Wherein, the aggregate value of this Part II fund and the 3rd fund equals this second loaning bill of asking of borrowing money and is worth, and this first and second part fund and the 3rd fund by this second 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 first request of data that data initiator just obtains same target data and initiates respectively according to the first request of data side and the second request of data side and the second request of data, file an application respectively to first service side, and open data voucher by this first service side.Wherein, the data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

Step S41, this first service root according to the data voucher that it is opened lock in these data initiator data cell with the equal-sized data of data value summation representated by data voucher.

Further, this first and second request of data side initiates request of data by first service applicator platform.

Step S42, second service side receives this first service side and opens data voucher, and increase the Part I data value with the data value size of these the first data to this first request of data side data cell, and increase Part II data value to this second request of data side data cell.Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.

Particularly, these data initiator opens data voucher by second service applicator platform to service side.

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.

Step S43, this second service root, according to the request of data of the increase that this second request of data side the initiates data value equal with Part III size of data, increases the data value equal with this Part III size of data to this second request of data side data cell.Wherein, the data value summation of this first, second and third partial data is this first data value, and is set to give back in the given time by this second service side.

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 initiates to need to increase the first request of data of the first data value to its data cell according to the first request of data side that data initiator receives and the second request of data side initiates to need to increase the second request of data of the second data value to its data cell and opens data voucher.Wherein, described first data value and described second data value belong to a target data; The data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

Particularly, the request of data initiated by first service applicator platform of this first and second request of data side.These data initiator files an application to open data voucher to first 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 proposes the application of opening data voucher by electric business's platform response request of data to first service side.

Step S51, according to its data voucher opened lock in these data initiator data cell with the equal-sized data of data value summation representated by data voucher.

Step S52, data voucher is sent to second service side, make this first request of data side data cell of this second service direction increase the Part I data value with the data value size of these the first data, and increase Part II data value to this second request of data side data cell.Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.

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 first service root and opens data voucher according to the application of data initiator.Wherein, this application is that these data initiator receives the first request of data side respectively and initiates to need to increase to its data cell the second request of data the first request of data of the first data value and the second request of data side initiating to need to increase to its data cell the second data value and send, and described first data value and described second data value belong to a target data; The data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

Step S61, increases the Part I data value with the data value size of these the first data to this first request of data side data cell, and increases Part II data value to this second request of data side data cell.Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.

Step S62, according to the request of data of the increase data value equal with Part III size of data that this second request of data side initiates, to the data value that this second request of data side data cell increase is equal with this Part III size of data.Wherein, the data value summation of this first, second and third partial data is this first data value, and is set to give back in the given time by this second service side.

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: the first request of data terminal 71, second request of data terminal 72, data initiating terminal 73, first server 74 and second server 75.

This first 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.

This second request of data terminal 72 is for initiating the second request of data needing to increase by the second data value to its data cell.

Wherein, described first data value and described second data value belong to a target data;

This first request of data terminal 71 and the second request of data terminal 72 initiate request of data by first service applicator platform.

This data initiating terminal 73 is for proposing the application of opening data voucher according to this first request of data and the second request of data respectively.

Particularly, this data initiating terminal 73 opens data voucher by second service applicator platform to first server 74 application.

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 the first request of data terminal 71 and the second request of data terminal 72 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 73 files an application to open to first server 73 by electric business's platform response request of data.

This first server 74 opens data voucher for the application proposed according to this data initiating terminal 73, according to its data voucher opened lock in these data initiator data cell with the equal-sized data of data value summation representated by data voucher.Wherein, the data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

This second server 75 opens data voucher for receiving this first service side, and increase the Part I data value with the data value size of these the first data to this first request of data side data cell, and increase Part II data value to this second request of data side data cell.And the request of data of the increase data value equal with Part III size of data of to initiate according to this second request of data side, to the data value that this second request of data side data cell increase is equal with this Part III size of data.

Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.The data value summation of this first, second and third partial data is this first data value, and is set to give back in the given time by this second service side.

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.

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 embodiment of the present 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 first request of data side for receiving according to data initiator initiates to need to increase the first request of data of the first data value to its data cell and the second request of data side initiates to need to increase the second request of data of the second data value to its data cell and opens data voucher.Wherein, described first data value and described second data value belong to a target data; The data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

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 the data voucher opened according to it lock in these data initiator data cell with the equal-sized data of data value summation representated by data voucher.

This granting module 83 is for being sent to second service side by data voucher, make this first request of data side data cell of this second service direction increase the Part I data value with the data value size of these the first data, and increase Part II data value to this second request of data side data cell.Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.

Further, for remaining data, second service root, according to the request of data of the increase that this second request of data terminal the is initiated data value equal with Part III size of data, increases the data value equal with this Part III size of data to this request of data terminal data unit.Wherein, the data value summation of this first, second and third partial data is this first data value.This second server arranges request of data side in the given time should increase the data value equal with this first size of data to second server 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.

This receiver module 91 opens data voucher for receiving first service root according to the application of data initiator.Wherein, this application is that these data initiator receives the first request of data side respectively and initiates to need to increase to its data cell the second request of data the first request of data of the first data value and the second request of data side initiating to need to increase to its data cell the second data value and send, and described first data value and described second data value belong to a target data; The data value of these the first data is less than the data value of these the second data, the representative data value summation of this data voucher is less than the data value size of these first and second data, and between the data value and the data value size of described second data of described first data.Data voucher is the quantification tool of the data correlation relation set up in advance between these data initiator and this service side.

This granting module 92 for increasing the Part I data value with the data value size of these the first data to this first request of data side data cell, and increases Part II data value to this second request of data side data cell.And the request of data of the increase data value equal with Part III size of data of to initiate according to this second request of data side, to the data value that this second request of data side data cell increase is equal with this Part III size of data.

Wherein, the data value equal and opposite in direction of the data of this Part I data value and this Part II data value summation and locking, and this Part II data value is less than the data value of these the second data.The data value summation of this first, second and third partial data is this first data value, and is set to give back in the given time by this second service side.

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 receiving first, two request of data sides initiate needs first, during the request of data of two data, data voucher is opened to service side, the value of data voucher is less than first, the data value summation of two request of data sides request, make representated by service side's freezing data voucher value and between data initiator data correlation relation, second service root is made to increase data value according to this data voucher to the first request of data side and second request of data side's data cell.In data exchange process, due in data initiator (the first participant) and request of data side (second, three participants) outside add service side, 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, the data (or data correlation relation) still can reduced 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 is borrowed money according to the first loaning bill request and second that the second participant and the 3rd participant just belong to a project and initiate respectively and is asked, and opens electronics acceptance and guarantee voucher to the first capital management server application; Wherein, the described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; To be described first participant opened by the 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;

Described first capital management server freeze described first participant according to the described 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 described electronics acceptance and guarantee voucher that described first capital management server is opened, and to the Part I fund that the loaning bill being equivalent to described first loaning bill request that described second participant is provided in described blocked funds is worth, provide the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; And

The residue loan requests that described second capital management server is initiated according to described 3rd participant provides the 3rd fund to described 3rd participant; Wherein, the aggregate value of described Part II fund and described 3rd fund equals the described second loaning bill of asking of borrowing money and is worth, and first and second part fund described and the 3rd fund by described second capital management Servers installed for give back in the given time.

2. debt-credit method according to claim 1, it is characterized in that, described first participant is borrowed money according to the first loaning bill request and second that the second participant and the 3rd participant just belong to a project and initiate respectively and is asked, and the step opening electronics acceptance and guarantee voucher to the first capital management server application comprises:

Described second participant and described 3rd participant initiate to belong to the described first loaning bill request under a project and described second loaning bill request respectively by a server platform; And

Described first participant receives described first loaning bill request and described second loaning bill request, and file an application to described first capital management server according to described first loaning bill request and the described second request of borrowing money, and open described electronics acceptance and guarantee voucher by described first capital management server.

3. debt-credit method according to claim 1 and 2, 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.

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 the first participant respectively according to the application that the first loaning bill is asked and the second loaning bill is asked and proposed that the second participant and the 3rd participant just belong to a project and initiate respectively, opens electronics acceptance and guarantee voucher; Wherein, the described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; 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 its described electronics acceptance and guarantee voucher opened with the equipollent fund of described electronics acceptance and guarantee voucher;

Described electronics acceptance and guarantee voucher is sent to the second capital management server, the Part I fund that described second capital management server is worth to the loaning bill being equivalent to described first loaning bill request that described second participant is provided in described blocked funds, provides the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; Wherein, first and second part fund described 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, the first request and second of borrowing money that described application just belongs to a project and initiates respectively according to the second participant and the 3rd participant for described first participant is respectively borrowed money and is asked and send to described first capital management server, described first loaning bill of borrowing money request is worth and is less than the described second loaning bill of borrowing money request and is worth, and the value of described electronics acceptance and guarantee voucher is between the loaning bill that described first borrows money request is worth and the described second loaning bill of borrowing money request is worth; 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;

Provide the Part I fund being equivalent to the loaning bill value of described first loaning bill request in described blocked funds to described second participant, provide the Part II fund in described blocked funds to described 3rd participant; Wherein, the aggregate value of described Part I fund and described Part II fund is equivalent to described blocked funds, and the loaning bill that the value of described Part II fund is less than described second loaning bill request is worth; And

The 3rd fund is provided to described 3rd participant according to the residue loan requests that described 3rd participant is initiated; Wherein, the aggregate value of described Part II fund and described 3rd fund equals the described second loaning bill of asking of borrowing money and is worth, and first and second part fund described and the 3rd 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 first request of data that data initiator just obtains same target data and initiates respectively according to the first request of data side and the second request of data side and the second request of data, file an application to first service side, and open data voucher by described first service side; Wherein, the data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side;

Described first service root according to the described data voucher that it is opened lock in described data initiator data cell with the equal-sized data of data value representated by described data voucher;

Second service side receives described first service side and opens data voucher, and increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; And

The request of data of the increase data value equal with Part III size of data that described second service root is initiated according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

8. a data interaction disposal system, is characterized in that, described system comprises:

First request of data terminal, for initiating the first request of data needing to increase by the first data value to its data cell;

Second request of data terminal, for initiating the second request of data needing to increase by the second data value to its data cell; Wherein, described first data value and described second data value belong to a target data;

Data initiating terminal, for proposing the application of opening data voucher according to described first request of data and the second request of data respectively;

First server, opens data voucher for the application proposed according to described data initiating terminal, according to its described data voucher opened lock in described data initiator data cell with the equal-sized data of data value representated by described data voucher; Wherein, the data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side;

Second server, data voucher is opened for receiving described first service side, and increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; And the request of data of the increase data value equal with Part III size of data of to initiate according to described second request of data side, to the data value that described second request of data side's data cell increase is equal with described Part III size of data;

Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; The data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

9. a data interactive processing method, is characterized in that, described method comprises:

First service root initiates to need to increase the first request of data of the first data value to its data cell according to the first request of data side that data initiator receives and the second request of data side initiates to need to increase the second request of data of the second data value to its data cell and opens data voucher; Wherein, described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side;

According to its described data voucher opened lock in described data initiator data cell with the equal-sized data of data value representated by described data voucher; And

Described data voucher is sent to second service side, make first request of data side's data cell described in described second service direction increase the Part I data value with the data value size of described first data, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data.

10. a data interaction treating apparatus, is characterized in that, described device comprises:

Module opened by data voucher, and the first request of data side for receiving according to data initiator initiates to need to increase the first request of data of the first data value to its data cell and the second request of data side initiates to need to increase the second request of data of the second data value to its data cell and opens data voucher; Wherein, described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side;

Processing module, the described data voucher for opening according to it lock in described data initiator data cell with the equal-sized data of data value representated by described data voucher; And

Provide module, for described data voucher is sent to second service side, make first request of data side's data cell described in described second service direction increase the Part I data value with the data value size of described first data, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data.

11. 1 kinds of data interactive processing methods, is characterized in that, described method comprises:

Second service side receives first service root and opens data voucher according to the application of data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value and the second request of data side to its data cell and is initiated to need to increase the second request of data of the second data value to its data cell for described data initiator receives the first request of data side respectively and send, and described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side;

Increase the Part I data value with the data value size of described first data to described first request of data side's data cell, and increase Part II data value to described second request of data side's data cell; Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; And

According to the request of data of the increase data value equal with Part III size of data that described second request of data side initiates, to the data value that described second request of data side's data cell increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.

12. 1 kinds of data interaction treating apparatus, is characterized in that, described device comprises:

Receiver module, opens data voucher for receiving first service root according to the application of data initiator; Wherein, described application is initiated to need to increase the first request of data of the first data value and the second request of data side to its data cell and is initiated to need to increase the second request of data of the second data value to its data cell for described data initiator receives the first request of data side respectively and send, and described first data value and described second data value belong to a target data; The data value of described first data is less than the data value of described second data, and the representative data value of described data voucher is between the data value and the data value size of described second data of described first data; Described data voucher is the quantification tool of the data correlation relation set up in advance between described data initiator and described service side; And

Providing module, for increasing the Part I data value with the data value size of described first data to described first request of data side's data cell, and increasing Part II data value to described second request of data side's data cell; And

According to the request of data of the increase data value equal with Part III size of data that described second request of data side initiates, to the data value that described second request of data side's data cell increase is equal with described Part III size of data;

Wherein, the data value equal and opposite in direction of the data of described Part I data value and described Part II data value summation and locking, and described Part II data value is less than the data value of described second data; The data value summation of first, second and third partial data described is described first data value, and is set to give back in the given time by described second service side.