CN104966236A - 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
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- CN104966236A CN104966236A CN201510288474.5A CN201510288474A CN104966236A CN 104966236 A CN104966236 A CN 104966236A CN 201510288474 A CN201510288474 A CN 201510288474A CN 104966236 A CN104966236 A CN 104966236A
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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 and a second participating party submit a first loan request and a second loan request respectively; after receiving the first loan request and the second loan request, a third participating party submits a credit voucher opening application to a first fund management server; the first fund management server generates a corresponding first credit voucher and a corresponding second credit voucher and makes a corresponding first fund and a corresponding second fund in the third participating party respectively frozen; a second fund management server sends a fund equal to the first fund to the first participating party and a fund equal to the second fund to the second participating party according to the first credit voucher and the second credit voucher; and the second fund management server sets a granted fund repaying time and monitors the repaying dates of the first participating party and the second participating party. By the above-mentioned means, the loan risks of loan initiating parties 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 and the second participant are submitted to the first loaning bill request and second to borrow money respectively and asked; 3rd participant receive described first borrow money request and second borrow money request, backward first capital management server submission credit vouchers open application; Described first capital management server is opened application according to described credit vouchers and is generated the first corresponding credit vouchers and the second credit vouchers, the first fund that the loaning bill amount that freezing afterwards borrows money with described first in described 3rd participant asks is equal and borrowing money equal the second fund of the loaning bill amount of asking with described second, and described first credit vouchers and the second credit vouchers are sent to the second capital management server; After described second capital management server receives described first credit vouchers and the second credit vouchers, the fund equal with described first fund to described first participant granting and to the described second participant granting fund equal with described second fund; 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 and the second participant; Described first capital management server is the account management server of described 3rd participant, and described second capital management server is the account management server of described first participant and the second participant.
Method borrowed or lent money by another kind of line provided by the invention, and described method comprises: the credit vouchers that the first capital management server reception the 3rd participant submits to the first loaning bill request and the second loaning bill to ask and propose according to the first participant and the second participant respectively opens application; Open application according to described credit vouchers and generate the first corresponding credit vouchers and the second credit vouchers, the first fund that the loaning bill amount that freezing afterwards borrows money with described first in described 3rd participant asks is equal and borrowing money equal the second fund of the loaning bill amount of asking with described second, and described first credit vouchers and the second credit vouchers are sent to the second capital management server; And described first credit vouchers and the second credit vouchers are sent to the second capital management server, after making described second capital management server receive described first credit vouchers and the second credit vouchers, the fund equal with described first fund to described first participant granting and to the described second participant granting fund equal with described second fund; 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 and the second participant; Described first capital management server is the account management server of described 3rd participant, and described second capital management server is the account management server of described first participant and the second 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 the first credit vouchers and the second credit vouchers; Wherein, described first credit vouchers and the second credit vouchers are that the first capital management server receives the 3rd participant and submits to the first loaning bill request and second to borrow money respectively to ask the credit vouchers that proposes to be opened according to the first participant and the second participant and apply for generating; And to the described first participant granting fund equal with described first fund and to the described second participant granting fund equal with described second fund; 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 and the second participant; Described first capital management server is the account management server of described 3rd participant, and described second capital management server is the account management server of described first participant and the second participant.
To reach the standard grade in upper debt-credit method, 3rd participant outputs credit vouchers when receiving the loaning bill request of first and second participant to the first capital management server application, and freeze corresponding fund by the first capital management server, the funds release freezed is given first and second participant according to credit vouchers by the second capital management server.Thus, make capital management server as the medium platform of three participants, 3rd participant is assured to the first capital management server, and is offered loans to first and second participant by the second capital management server associated, thus facilitates first and second participant by line is provided a loan; In addition, by the refund date of first and second 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, described method comprises: the first request of data side proposes needs increases to its data cell the first request of data of the first data value and the second request of data side proposition needs to increase by the second request of data from the second data value to its data cell; Data initiator receives described first request of data and the second request of data, 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 the first corresponding data voucher and the second data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value, and described first data voucher and the second data voucher are sent to second service side; After described second service side receives described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
A 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 submits to respectively according to the first request of data and the second request of data; Wherein, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; Open application according to described data voucher and generate corresponding first data voucher and the second data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value, and described first data voucher and the second data voucher are sent to second service side; And described first data voucher and the second data voucher are sent to second service side, after making described second service side receive described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
A kind of data interactive processing method provided by the invention, described method comprises: second service side receives the first data voucher and the second data voucher; Wherein, described first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, described second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; And in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
A kind of data interaction process system provided by the invention, described system comprises: the first request of data terminal, for proposing the first request of data needing to increase by the first data value to its data cell; Second request of data terminal, for proposing the second request of data needing to increase by the second data value to its data cell; Data initiating terminal, for receiving described first request of data and the second request of data, and submits to data voucher to open application; First server, generate the first corresponding data voucher and the second data voucher for opening application according to described data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value; Second server, after receiving described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively 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 submitted to respectively according to the first request of data and the second request of data for receiving data initiator; Wherein, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; Processing module, corresponding first data voucher and the second data voucher is generated for opening application according to described data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value, and described first data voucher and the second data voucher are sent to second service side; And granting module, for described first data voucher and the second data voucher are sent to second service side, after making described second service side receive described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
A kind of data interaction treating apparatus provided by the invention, described device comprises: receiver module, for receiving the first data voucher and the second data voucher; Wherein, described first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, described second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; And granting module, for increasing the data value equal with described first size of data and increase the data value equal with described second size of data in described first request of data side's data cell in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
Above data interactive processing method, data interaction system, and in data processing equipment, when data initiator is receiving first, when two request of data sides initiate to need to increase the request of data of 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 and the second data, second service root is made to add the numerical value of the first data and the second data to the first corresponding request of data side and the second request of data side according to data voucher, and require that the numerical value of the first data and the second data is added into second service side's data cell by the first request of data side and the second request of data side in the given time respectively.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 and the second participant are submitted to the first loaning bill request and second to borrow money respectively and are asked.
Step S11, the 3rd participant receive this first borrow money request and second borrow money request, backward first capital management server submission credit vouchers open application.
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.
Refer to Fig. 3, further, step S10, that is, the first participant and the second participant submit the first loaning bill request and the second loaning bill request respectively to, realize especially by following steps:
Step S10a, the first participant and the second participant are submitted to first to borrow money respectively by a server platform and are asked and the second loaning bill request.
Wherein, this server platform can be electric business's platform, and first and second 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 3rd participant receive this first borrow money request and second borrow money request, backward first capital management server submission credit vouchers open application, realize especially by following steps:
Step S11a, the 3rd participant by this server platform receive this first borrow money request and second borrow money request, backward first capital management server submission credit vouchers open application.
3rd participant also can access the loaning bill request that first and second participant was searched, received to this server platform.
Step S12, this the first capital management server is opened application according to this credit vouchers and is generated the first corresponding credit vouchers and the second credit vouchers, freeze afterwards first to borrow money equal the first fund of the loaning bill amount of asking and second borrowing money equal the second fund of the loaning bill amount of asking with this with this in the 3rd participant, and this first credit vouchers and the second credit vouchers are sent to the second capital management server.
Step S13, after this second capital management server receives this first credit vouchers and the second credit vouchers, the fund equal with this first fund to this first participant granting and to this second participant granting fund equal with this second fund.
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 and the second participant.
This first capital management server is the account management server of the 3rd participant,
This second capital management server is the account management server of this first participant and the second 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 the 3rd participant or the 3rd participant mortgage in this first capital management server for the 3rd 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 and second participant is loaning bill side, and the 3rd participant is loan initiator.
Such as, the first loaning bill side sends the first loaning bill request of debt-credit 100,000, and the second loaning bill side sends the second loaning bill request of debt-credit 80,000, and loan initiator receives this first and second backward Bank One Corp. application of loaning bill request and shows the first credit vouchers and the second credit vouchers.Wherein, the value of the first credit vouchers is equivalent to 100,000, and the value of the second credit vouchers is equivalent to 80,000.Or the value of the first credit vouchers is equivalent to 120,000, the value of the second credit vouchers is equivalent to 60,000.In a word, ensure that the aggregate value of the first credit vouchers and the second credit vouchers is equivalent to 180,000, that is, the loan summation of the first loaning bill request and the second loaning bill request.The fund of this Bank One Corp. frozen loan initiator in this Bank One Corp., wherein, the value of blocked funds is equal with the aggregate value of first and second credit vouchers.As, during frozen loan initiator consigns money in a bank 180,000, as the guarantee of loan initiator.Then, the credit vouchers that secondary bank sends over according to Bank One Corp. to the loaning bill request dispatching of the first loaning bill side and the second loaning bill side this 180,000, namely, in 180,000 funds 100,000 are provided to the first loaning bill side, residue 80,000 is provided to the second loaning bill side, now the loaning bill success of the first loaning bill side and the second loaning bill side.
For loan initiator, 180,000 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 180,000 deposit is still in loan promoter account, belong to loan initiator, therefore risk reduces greatly, simultaneously also because thus this 180,000 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 180,000 fund of lending is stored as guarantee by frozen 180,000 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, 3rd participant outputs credit vouchers when receiving the loaning bill request of first and second participant to the first capital management server application, and freeze corresponding fund by the first capital management server, the funds release freezed is given first and second participant according to credit vouchers by the second capital management server.Thus, make capital management server as the medium platform of three participants, 3rd participant is assured to the first capital management server, and is offered loans to first and second participant by the second capital management server associated, thus facilitates first and second participant by line is provided a loan.In addition, by the refund date of second this first and second 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 credit vouchers that the first capital management server reception the 3rd participant submits to the first loaning bill request and the second loaning bill to ask and propose according to the first participant and the second participant respectively opens application.
Step S21, open application according to this credit vouchers and generate the first corresponding credit vouchers and the second credit vouchers, freeze afterwards first to borrow money equal the first fund of the loaning bill amount of asking and second borrowing money equal the second fund of the loaning bill amount of asking with this with this in the 3rd participant, and this first credit vouchers and the second credit vouchers are sent to the second capital management server.
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, this first credit vouchers and the second credit vouchers are sent to the second capital management server, after making this second capital management server receive this first credit vouchers and the second credit vouchers, the fund equal with this first fund to this first participant granting and to this second participant granting fund equal with this second fund.
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 and the second participant.
This first capital management server is the account management server of the 3rd participant, and this second capital management server is the account management server of this first participant and the second 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 the 3rd participant or the 3rd participant mortgage in this first capital management server for the 3rd 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 and second participant is loaning bill side, and the 3rd 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 the first credit vouchers and the second credit vouchers.Wherein, this first credit vouchers and the second credit vouchers are that the first capital management server receives the 3rd participant and submits to the first loaning bill request and second to borrow money respectively to ask the credit vouchers that proposes to be opened according to the first participant and the second participant and apply for generating.
Step S31, the fund equal with this first fund to this first participant granting and to this second participant granting fund equal with this second fund.
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 and the second participant.
This first capital management server is the account management server of the 3rd participant, and this second capital management server is the account management server of this first participant and the second 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 the 3rd participant or the 3rd participant mortgage in this first capital management server for the 3rd 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 and second participant is loaning bill side, and the 3rd 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, the first request of data side proposes to need to increase to its data cell the second request of data that the first request of data of the first data value and the second request of data side propose to need to increase by the second data value to its data cell.
Further, this first and second request of data side initiates the request of data of needs first data by first service applicator platform.
Step S41, data initiator receives this first request of data and the second request of data, submits to data voucher to open application to first service side.
Particularly, these data initiator opens data voucher by second service applicator platform to service side's 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, 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 the first corresponding data voucher and the second data voucher, lock the first data equal with this first data value in the data cell of these data initiator and second data equal with this second data value, and this first data voucher and the second data voucher are sent to second service side.
Step S43, after this second service side receives this first data voucher and the second data voucher, in this first request of data side data cell, increase the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data side data cell.Wherein, this second service side arranges this first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with these first data respectively to this second service side's data cell.
Below the data interactive processing method in embodiment of the present invention is illustrated.
Such as, this first request of data side is user A1, and the second request of data side is user A2, 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 A1 initiates the first request of data of needs first data by first service applicator platform, and user A2 initiates the second request of data of needs second data by first service applicator platform.Wherein, these first data are the password of the administrator right of request client 2 wherein, and these second data are the password of the administrator right of request client 5 wherein.
When user B receives this first and second request of data, output the first data voucher and the second 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, client 4 is mobile phone, client 5 is intelligent television.Therefore, the severity level of the administrator right that client is set is needed to be from high to low: client 1, client 3, client 2, client 4, client 5.When user B agrees to the administrator right of client 2,5 to give user A1 and A2, provide corresponding data voucher to first service side.Operation Log when this data voucher can be user B administrative client 2,5, 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 2,5 according to the related content of data voucher, that is, user B cannot use corresponding codon pair client 2,5 to manage.Meanwhile, the password of the administrator right of client 2,5 is sent to user A1 and A2 by the data voucher that second service root sends according to first service side.Further, second service side can set the time that user A1 gives back the administrator right of client 2, and setting user A2 gives back the time of the administrator right of client 5.Giving back the time limit for two can be identical, also can be different.Such as, second service side arranges user A1 to be needed, within the time of 1 month, the administrator right of client 2 is returned to user B, and user A1 needs, within the time of 4 months, the administrator right of client 5 is returned to user B.
When the administrator right of corresponding client is returned to second service side by user A1 and A2 at the appointed time, then first service side thaws the administrator right of user B to client 2,5, and user A1 and A2 cannot re-use corresponding codon pair client 2,5 and manage.As user A1 or/and the administrator right of client is not returned to second service side by A2 at the appointed time, then second service direction user A1 is or/and A2 sends notice to point out it to give back administrator right.If exceed certain time limit, service side does not still receive user A1 or/and the A2 administrator right of client of giving back, then completely abolish user B to client 2 or/and the administrator right of 5.
Above, when user B (data initiator) receives the request of the administrator right password of user A1 and A2 (request of data side) request acquisition relative client, the administrator right password of client is sent to user A1 and A2 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 A1 and A2 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 A1 and A2 does not give back administrator right on time, service side can notify that user A1 and A2 returns in time or cancel the administrator right of user B, thus ensure that the administrator right of each 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 respectively according to the first request of data and the second request of data.Wherein, this first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and this second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell.
Particularly, this first and second request of data side initiates first and second request of data respectively by first service applicator platform.These data initiator opens corresponding data voucher by second service applicator platform to service side's 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, 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, open application according to this data voucher and generate corresponding first data voucher and the second data voucher, lock the first data equal with this first data value in the data cell of these data initiator and second data equal with this second data value, and this first data voucher and the second data voucher are sent to second service side.
Step S52, this the first data voucher and the second data voucher are sent to second service side, after making this second service side receive this first data voucher and the second data voucher, in this first request of data side data cell, increase the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data side data cell.Wherein, this second service side arranges this first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with these first data respectively to this second service side's data cell.
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 the first data voucher and the second data voucher.Wherein, this the first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, this the second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, this first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and this second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell.
Step S61, increases the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data side data cell in this first request of data side data cell.Wherein, this second service side arranges this first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with these first data respectively to this second service side's data cell.
Please refer to Figure 10,11, it is the structural representation of the data interaction disposal system of the invention process terminal type.This system 70 shown in enforcement terminal type 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 proposing 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 proposing the second request of data needing to increase by the second data value to its data cell.
Wherein, this first request of data terminal 71 and the second request of data terminal 72 initiate the request of data of needs first data by first service applicator platform.
This data initiating terminal 73 for receiving this first request of data and the second request of data, and submits to data voucher to open application.
Particularly, this data initiating terminal 72 opens corresponding data voucher by second service applicator platform to first server 73 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 outputs data voucher by electric business's platform response request of data.
This first server 74 generates the first corresponding data voucher and the second data voucher for opening application according to this data voucher, locks the first data equal with this first data value in the data cell of this data initiating terminal 73 and second data equal with this second data value.
This second server 75, for after receiving this first data voucher and the second data voucher, increases the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data terminal 72 data cell in this first request of data terminal 71 data cell.Wherein, this second server 75 arranges this first request of data terminal 71 and the second request of data terminal 72 in the given time should increase the data value equal with the second size of data with these first data respectively to this second server 75 data cell.
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 submit to respectively according to the first request of data and the second request of data.Wherein, this first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and this second request of data is the request that the second request of data side initiates to need to increase by the second 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 corresponding first data voucher and the second data voucher for opening application according to this data voucher, lock the first data equal with this first data value in the data cell of these data initiator and second data equal with this second data value, and this first data voucher and the second data voucher are sent to second service side.
This granting module 83 is for being sent to second service side by this first data voucher and the second data voucher, after making this second service side receive this first data voucher and the second data voucher, in this first request of data side data cell, increase the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data side data cell.Wherein, this second service side arranges this first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with these first data respectively to this second service side's data cell.
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 receives the first data voucher and the second data voucher.Wherein, this the first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, this the second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, this first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and this second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell.
This granting module 92 for increasing the data value equal with this first size of data and increase the data value equal with this second size of data in this second request of data side data cell in this first request of data side data cell.Wherein, this second service side arranges this first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with these first data respectively to this second service side's data cell.
Data interactive processing method provided by the invention, data interaction system, and in data processing equipment, when data initiator is receiving first, when two request of data sides initiate to need to increase the request of data of 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 and the second data, second service root is made to add the numerical value of the first data and the second data to the first corresponding request of data side and the second request of data side according to data voucher, and require that the numerical value of the first data and the second data is added into second service side's data cell by the first request of data side and the second request of data side in the given time respectively.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, described method comprises:
First participant and the second participant are submitted to the first loaning bill request and second to borrow money respectively and are asked;
3rd participant receive described first borrow money request and second borrow money request, backward first capital management server submission credit vouchers open application;
Described first capital management server is opened application according to described credit vouchers and is generated the first corresponding credit vouchers and the second credit vouchers, the first fund that the loaning bill amount that freezing afterwards borrows money with described first in described 3rd participant asks is equal and borrowing money equal the second fund of the loaning bill amount of asking with described second, and described first credit vouchers and the second credit vouchers are sent to the second capital management server;
After described second capital management server receives described first credit vouchers and the second credit vouchers, the fund equal with described first fund to described first participant granting and to the described second participant granting fund equal with described second fund;
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 and the second participant;
Described first capital management server is the account management server of described 3rd participant,
Described second capital management server is the account management server of described first participant and the second participant.
2. method borrowed or lent money by line according to claim 1, it is characterized in that, described first participant and the second participant submit to the first loaning bill request and the second step of borrowing money request to be specially respectively:
First participant and the second participant are submitted to first to borrow money respectively by a server platform and are asked and the second loaning bill request;
Described 3rd participant receives the described first request and second of borrowing money and to borrow money request, the backward first capital management server submission credit vouchers step of opening application be specially:
3rd participant receives the described first request and second of borrowing money by described server platform and to borrow money request, backward first capital management server submission credit vouchers open application.
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 3rd participant in the deposit of described first capital management server or described first capital management server give the credit line of described 3rd participant or described 3rd 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:
The credit vouchers that first capital management server reception the 3rd participant submits to the first loaning bill request and the second loaning bill to ask and propose according to the first participant and the second participant respectively opens application;
Open application according to described credit vouchers and generate the first corresponding credit vouchers and the second credit vouchers, the first fund that the loaning bill amount that freezing afterwards borrows money with described first in described 3rd participant asks is equal and borrowing money equal the second fund of the loaning bill amount of asking with described second; And
Described first credit vouchers and the second credit vouchers are sent to the second capital management server, after making described second capital management server receive described first credit vouchers and the second credit vouchers, the fund equal with described first fund to described first participant granting and to the described second participant granting fund equal with described second fund;
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 and the second participant;
Described first capital management server is the account management server of described 3rd participant,
Described second capital management server is the account management server of described first participant and the second participant.
6. a method borrowed or lent money by line, it is characterized in that, described method comprises:
Second capital management server receives the first credit vouchers and the second credit vouchers; Wherein, described first credit vouchers and the second credit vouchers are that the first capital management server receives the 3rd participant and submits to the first loaning bill request and second to borrow money respectively to ask the credit vouchers that proposes to be opened according to the first participant and the second participant and apply for generating; And
The fund equal with described first fund to described first participant granting and to the described second participant granting fund equal with described second fund;
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 and the second participant;
Described first capital management server is the account management server of described 3rd participant,
Described second capital management server is the account management server of described first participant and the second participant.
7. a data interactive processing method, is characterized in that, described method comprises:
First request of data side proposes to need to increase to its data cell the second request of data that the first request of data of the first data value and the second request of data side propose to need to increase by the second data value to its data cell;
Data initiator receives described first request of data and the second request of data, 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 the first corresponding data voucher and the second data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value, and described first data voucher and the second data voucher are sent to second service side;
After described second service side receives described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively 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 respectively according to the first request of data and the second request of data; Wherein, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell;
Open application according to described data voucher and generate corresponding first data voucher and the second data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value; And
Described first data voucher and the second data voucher are sent to second service side, after making described second service side receive described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
9. a data interactive processing method, is characterized in that, described method comprises:
Second service side receives the first data voucher and the second data voucher; Wherein, described first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, described second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; And
In described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
10. a data interaction disposal system, is characterized in that, described system comprises:
First request of data terminal, for proposing the first request of data needing to increase by the first data value to its data cell;
Second request of data terminal, for proposing the second request of data needing to increase by the second data value to its data cell;
Data initiating terminal, for receiving described first request of data and the second request of data, and submits to data voucher to open application;
First server, generate the first corresponding data voucher and the second data voucher for opening application according to described data voucher, lock the first data equal with described first data value in the data cell of described data initiating terminal and second data equal with described second data value;
Second server, after receiving described first data voucher and the second data voucher, in described first request of data terminal data unit, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data terminal data unit; Wherein, described second server arranges described first request of data terminal and the second request of data terminal in the given time should increase the data value equal with the second size of data with described first data respectively to described second server 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 submitted to respectively according to the first request of data and the second request of data for receiving data initiator; Wherein, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell;
Processing module, corresponding first data voucher and the second data voucher is generated for opening application according to described data voucher, lock the first data equal with described first data value in the data cell of described data initiator and second data equal with described second data value, and described first data voucher and the second data voucher are sent to second service side; And
Provide module, for described first data voucher and the second data voucher are sent to second service side, after making described second service side receive described first data voucher and the second data voucher, in described first request of data side's data cell, increase the data value equal with described first size of data and increase the data value equal with described second size of data in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively 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 the first data voucher and the second data voucher; Wherein, described first data voucher is that first service side receives data initiators and opens according to the data voucher that the first request of data proposes and apply for generating, described second data voucher is that first service side receives data initiators and opens according to the data voucher that the second request of data proposes and apply for generating, described first request of data is the request that the first request of data side initiates to need to increase by the first data value to its data cell, and described second request of data is the request that the second request of data side initiates to need to increase by the second data value to its data cell; And
Provide module, for increasing the data value equal with described first size of data and increase the data value equal with described second size of data in described first request of data side's data cell in described second request of data side's data cell; Wherein, described second service side arranges described first request of data side and the second request of data side in the given time should increase the data value equal with the second size of data with described first data respectively to described second service side data cell.
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