CN104966237A

CN104966237A - Loan repaying method, data interactive processing method, equipment and system

Info

Publication number: CN104966237A
Application number: CN201510289672.3A
Authority: CN
Inventors: 张毅
Original assignee: Shenzhen Cifpay Network Bank Technology Co Ltd
Current assignee: Shenzhen Cifpay Network Bank Technology Co Ltd
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2015-10-07

Abstract

The invention discloses a loan repaying method, a data interactive processing method, equipment and a system. The loan repaying method comprises the following steps that a second fund management server sends a payment reminding notification requesting a loan repaid within a second preset date to a first party when not receiving the repaying loan from the first party; the first party receives the payment reminding notification and pays the loan to the second fund management server within the second preset date; the second fund management server receives the loan repaid by the first party and further sends a notification to a first fund management server to inform the first fund management server of the fact that the first party has repaid the load; the first fund management server receives the notification sent from the second fund management server and deblocks funds opened by a second party and being equal to electronic acceptance pay orders in terms of the value. By means of the above-mentioned means, the debit and credit risks of the second party can be lowered.

Description

Repaying method, data interactive processing method, equipment and system

Technical field

The present invention relates to credit field, particularly relate to a kind of repaying method, data interactive processing method, equipment and system.

Background technology

Along with 2G/3G, or even the arrival in 4G epoch, and the WIFI hot spot be seen everywhere, indicate the arriving of large data age now, the network that the mobile data network that all daily behavior of user can provide by Ge great operator in theory builds and this WLAN of WIFI, realize various data processing by Internet technology.Therefore, network environment has its advantage than the real world under line in facilitating user to live, but how to utilize network guarantee data interaction both sides and reduce risk, there is no effective solution.

For the data processing in user's living scene, during user's apply for loan, usually can by between individual and individuality, directly debt-credit mode or individuality are applied for the mode of bank debit and credit.But, normally the first participant and the second participant are reached an agreement by oral or written form in debt-credit activity between individuality and individuality, after the second participant provides assets to the first participant, force owing to not existing constraint of refunding, bring very large risk to the second participant.Therefore, need to consider how to utilize real-time performance borrow or lend money and reduce risk.

Summary of the invention

The technical matters that the present invention mainly solves is to provide a kind of repaying method, data interactive processing method, device and system, can reduce the debt-credit risk of the second participant.

For solving the problems of the technologies described above, first technical scheme that the present invention adopts is: provide a kind of repaying method, comprising:

When second capital management server does not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant; Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from the first capital management server by described second capital management server, described electronics acceptance and guarantee voucher be by described first capital management server according to the application of the second participant, freeze to open after described second participant is not less than the fund of the described amount of the loan;

Described first participant receives the described notice of a call, and to described second capital management server repayment of bank loans within described second target date;

Described second capital management server receives the described loan that described first participant is given back; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server;

Described first capital management server receives the notice that described second capital management server sends, and described second participant that thaws with the fund of described loan single-candidate.

For solving the problems of the technologies described above, second technical scheme that the present invention adopts is: provide a kind of repaying method, comprising:

First capital management server receives the notice of the first participant repayment of bank loans that the second capital management server sends; Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from the first capital management server by described second capital management server, described electronics acceptance and guarantee voucher be by described first capital management server according to the application of the second participant, freeze to open after described second participant is not less than the fund of the described amount of the loan;

Described first capital management server thaw described second participant with the fund of described loan single-candidate.

For solving the problems of the technologies described above, the 3rd technical scheme that the present invention adopts is: provide a kind of repaying method, comprising:

When second capital management server does not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant; And keep the second participant with the frozen state of the equipollent assets of electronics acceptance and guarantee voucher; Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from the first capital management server by described second capital management server, described electronics acceptance and guarantee voucher be by described first capital management server according to the application of the second participant, freeze to open after described second participant is not less than the fund of the described amount of the loan;

Receive the described loan that described first participant is given back within the second target date; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server, to make described first capital management server thawing with the fund of described loan single-candidate to described second participant to described first capital management server.

For solving the problems of the technologies described above, the 4th technical scheme that the present invention adopts is: provide a kind of data interactive processing method, described method comprises:

When second service side detects that described request of data Fang Wei increases by the first data value to the data cell of second service side, send the notice that need increase by the first data value within second schedule time to the data cell of described second service side to described request of data side; Wherein, described first data value is sent to described request of data side according to the data voucher from first service side by described second service root, described data voucher is by the application of described first service root according to data initiator, and the numerical value locked in the data cell of described data initiator is opened after being not less than the data of described first data value size;

Described request of data side receives described notice, and the data cell to second service side within described second target date increases by the first data value;

First service side described in described second service direction sends and informs that described request of data side has added the notice of the first data value;

Described first service side receives the notice that described second service side sends, and unlocks the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size.

For solving the problems of the technologies described above, the 5th technical scheme that the present invention adopts is: provide a kind of data interactive processing method, described method comprises:

The request of data side that first service side receives the transmission of second service side adds the first data value notice to the data cell of described second service side; Wherein, described first data value is sent to described request of data side according to the data voucher from first service side by described second service root, described data voucher is by the application of described service side according to data initiator, and the numerical value locked in the data cell of described data initiator is opened after being not less than the data of described first data value size;

Data numerical value in the data cell of described data initiator being equivalent to described first data value size unlock.

For solving the problems of the technologies described above, the 6th technical scheme that the present invention adopts is: provide a kind of data interactive processing method, described method comprises:

When second service side detects that described request of data side does not increase by the first data value to the data cell of second service side in the first target date, send the notice that need increase by the first data value within second schedule time to the data cell of described second service side to described request of data side; Wherein, described first data value is sent to described request of data side according to the data voucher from first service side by described second service root, described data voucher is by the application of described service side according to data initiator, and the numerical value locked in the data cell of described data initiator is opened after being not less than the data of described first data value size;

Described second service side is detecting that described request of data side is when the data cell of second service side increases by the first data value described in the second target date forward direction, send to described first service side and inform the notice adding the first data value, described first service side is unlocked the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size.

For solving the problems of the technologies described above, the 7th technical scheme that the present invention adopts is: provide a kind of data interaction disposal system, comprising: request of data terminal, data initiating terminal, first server and second server;

When second server detects that described request of data terminal does not increase by the first data value to the data cell of second server within the first target date, send the notice that need increase by the first data value within second schedule time to the data cell of described second server to described request of data terminal; Wherein, described loan is provided to described request of data side according to the electronics acceptance and guarantee voucher from first server by described second device, described electronics acceptance and guarantee voucher is by the application of described first server according to data initiating terminal, freeze the data cell of described data initiating terminal be not less than the fund of the described amount of the loan after open;

Described request of data terminal receives described notice, and the data cell to second server within described second target date increases by the first data value;

Described second server sends to described first server and informs that described request of data terminal has added the notice of the first data value;

Described first server receives the notice that described second server sends, and unlocks the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.

For solving the problems of the technologies described above, the 8th technical scheme that the present invention adopts is: provide a kind of server, described server comprises receiver module and unlocked state,

Described receiver module adds the first data value notice to the data cell of described second service terminal for the request of data terminal receiving second server transmission; Wherein, described first data value is sent to described request of data terminal according to the data voucher from first server by described second server, described data voucher is by the application of described first server according to data initiating terminal, and the numerical value locked in the data cell of described data initiating terminal is opened after being not less than the data of described first data value size;

The data that described unlocked state is used for being equivalent to the numerical value in the data cell of described data initiator described first data value size unlock.

For solving the problems of the technologies described above, the 9th technical scheme that the present invention adopts is: provide a kind of server, described server comprises: detection module and sending module,

Described sending module is used for when described detection module detects that described request of data terminal does not increase by the first data value to the data cell of second server within the first target date, sends the notice that need increase by the first data value within second schedule time to the data cell of described second server to described request of data terminal; Wherein, described first data value is sent to described request of data terminal according to the data voucher from first server by described second server, described data voucher is by the application of described first server according to data initiating terminal, and the numerical value locked in the data cell of described data initiating terminal is opened after being not less than the data of described first data value size;

Described sending module is also for detecting that at described detection module described request of data terminal is when the data cell of second server increases by the first data value described in the second target date forward direction, take the transmission of device side to described first and inform that described request of data terminal has added the notice of the first data value, described first server is unlocked the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.

The invention has the beneficial effects as follows: the situation being different from prior art,

When second capital management server does not receive the loan that the first participant gives back within the first target date, the notice of a call need giving back described loan within the second target date is sent to described first participant, described first participant receives the described notice of a call, and to described second capital management server repayment of bank loans within described second target date; Described second capital management server receives the described loan that described first participant is given back; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server; Described first capital management server receive described second capital management server send notice, and described second participant that thaws open with the equipollent fund of described electronics acceptance and guarantee voucher.By getting involved in the debt-credit of the first participant and the second participant by the first capital management server and the second capital management server, effectively can reduce the risk of loan, ensureing the circulation stability of fund.

Accompanying drawing explanation

Fig. 1 is that the present invention repays the schematic flow sheet of method one embodiment;

Fig. 2 is that the present invention repays the schematic flow sheet of another embodiment of method;

Fig. 3 is that the present invention repays the schematic flow sheet of a method embodiment again;

Fig. 4 is the schematic flow sheet of data interactive processing method one embodiment of the present invention;

Fig. 5 is the schematic flow sheet of another embodiment of data interactive processing method of the present invention;

Fig. 6 is the schematic flow sheet of a data interactive processing method of the present invention embodiment again;

Fig. 7 is the structural representation of data interaction disposal system one embodiment of the present invention;

Fig. 8 is the structural representation of server one embodiment of the present invention;

Fig. 9 is the structural representation of another embodiment of server of the present invention.

Embodiment

Consult Fig. 1, Fig. 1 is that the present invention repays the schematic flow sheet of method one embodiment.The repaying method of present embodiment comprises the steps:

When 101: the second capital management servers do not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant.

Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from the first capital management server by described second capital management server, described electronics acceptance and guarantee voucher be by described first capital management server according to the application of the second participant, freeze to open after described second participant is not less than the fund of the described amount of the loan;

Particularly, first participant sends the request needing loan to the second participant after, electronics acceptance and guarantee voucher is opened in the application of second service direction first capital management server, wherein, to be the second 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 electronics acceptance and guarantee voucher.

First capital management server freezes at least part of fund of the second participant according to the electronics acceptance and guarantee voucher that it is opened, electronics acceptance and guarantee voucher is sent to the second capital management server, second capital management server is offered loans to the first participant, and while offering loans, notify that the first participant needs to give back above-mentioned loan on a predetermined date.

Wherein, capital management server is when determining that the second participant is not less than the amount of the loan of the first participant at the account fund of its financial sector or the accrediting amount, outputs the electronics acceptance and guarantee voucher equal with described loan to value to the second participant.

Wherein, first capital management server and the second gold medal management server are bank or other financial institutions, the two can be same mechanism, also can for being respectively different mechanisms, when the first capital management server and the second gold medal management server are different institutions, realize loan and loaning bill process by the mode of the present embodiment.

Such as, first participant sends the loaning bill request of debt-credit 100,000 to the second participant, second participant receives the backward first capital management server application of this loaning bill request, the electronics acceptance and guarantee voucher of 100,000 is opened by the first capital management server, first capital management server freezes the part fund of the second participant in this capital management server, as 120,000, wherein, the value of blocked funds is not less than the value of electronics acceptance and guarantee voucher.Then, electronics acceptance and guarantee voucher is sent to the second capital management server by the first capital management server, after second capital management server receives above-mentioned electronics acceptance and guarantee voucher, provide the loan of 100,000 to the first participant, and specify the first participant repayment of bank loans in 6 months.

If the first participant not within the first target date to the second capital management server repayment of bank loans time, as the first participant did not give back the loan of 100,000 in 6 months, the second capital management server sends the notice of a call need giving back described loan within the second target date to described first participant.

It should be noted that, if the first participant not within the first target date to the second capital management server repayment of bank loans, although the first target date arrived, but the first capital management server does not receive the notice that the second capital management server informs the repayment of bank loans of the first participant described in described first capital management server, and the first capital management server still keeps the second participant to be not less than the frozen state of the fund of the described amount of the loan.

In addition, due to the first participant not within the first target date to the second capital management server repayment of bank loans, run counter to agreement during loan, second capital management server imposes extension fine to described first participant, wherein, described extension fine is that extension overdue fine is or/and the loan interest of increase in the payback period of delaying.

102: described first participant receives the described notice of a call, and to described second capital management server repayment of bank loans within described second target date.

In addition because this loan is equivalent to the loan that the second capital management server sends directly to the first participant, therefore, the loan interest dealt with in during the first participant also needs to pay loan to the second capital management server.

103: described second capital management server receives the described loan that described first participant is given back; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server.

Second capital management server receives loan that the first participant gives back, loan interest and extension fine, sends the notice of informing the repayment of bank loans of the first participant described in described first capital management server to the first capital management server.

And, for the first participant, although it is not directly to capital management server and bank loan to the second participant 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 the second participant, also reduce the second participant risk further, simultaneously also because the rich strength of bank makes loaning bill flow process become more smooth and easy, facilitate the first participant.

For bank, this 100,000 fund of lending is stored as guarantee by frozen 100,000 of the second participant, 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.

104: described first capital management server receives the notice that described second capital management server sends, and the fund equal with loan single-candidate of described second participant that thaws.

First capital management server receive second capital management server send notice after, determine that the first participant returns on time loan, second participant that thaws with loan single-candidate fund.

In addition, although the part fund of the second participant is in frozen state during the first participant loan, but still be stored in the financial sector of the first capital management server, be deposit state, first capital management server is corresponding provides to the second participant the interest on deposit that frozen fund produces within frozen period, improves the income of the second participant.

And, in this loan, for the second participant, the fund freezed in its bank, not taken away by bank as 100,000 deposits and lend the first participant, only can not be used by bank freezing, this 100,000 deposit, still in the second participant account, belongs to the second participant, therefore risk reduces greatly, simultaneously also because thus this 100,000 deposit still to one's name may obtain other interests, the interest on deposit namely in present embodiment, as current interest or fixed-term interest.

In another embodiment, if the first capital management server and the second capital management server are same financial institution, after second service direction financial institution sends application, financial institution offers loans to the first participant after freezing at least part of fund of the second participant.First participant before the second target date directly to financial institution's repayment of bank loans, after financial institution receives the loan that the first participant gives back, second participant that thaws with the fund of described loan single-candidate.

Be different from prior art, when the second capital management server in present embodiment does not receive the loan that the first participant gives back within the first target date, the notice of a call need giving back described loan within the second target date is sent to described first participant, described first participant receives the described notice of a call, and to described second capital management server repayment of bank loans within described second target date; Described second capital management server receives the described loan that described first participant is given back; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server; Described first capital management server receive described second capital management server send notice, and described second participant that thaws open with the equipollent fund of described electronics acceptance and guarantee voucher.By getting involved in the debt-credit of the first participant and the second participant by the first capital management server and the second capital management server, effectively can reduce the risk of loan, ensureing the circulation stability of fund.

In addition, first capital management server thaw the second participant with loan single-candidate fund after, providing the loan interest that produces of fund frozen period to the second participant, can ensureing further, borrowing or lending money period second participant to the tenure of fund, to increase the income of the second participant.In addition, the second capital management server itself also can obtain the loan interest that the first participant pays, additional income.

In another embodiment, if the first participant within the first target date to the second capital management server repayment of bank loans and loan interest time, described second capital management server receives the described loan given back of described first participant; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server, described first capital management server receives the notice that described second capital management server sends, and second participant that thaws with the fund of described loan single-candidate.

In another embodiment, if the first participant not introversive second capital management server repayment of bank loans on a predetermined date, the message informing that first participant fails to refund by the second capital management server is on time to the first capital management server, and the first capital management server reminds the second participant whether to agree to loan and the loan interest of described first participant of replacement first participant payment.Described second participant agrees to that replacement first participant pays loan and the loan interest of described first participant, and the investment assetss solution of the second participant and loan and loan interest single-candidate is paid in the financial sector of the second capital management server.

And, in the present embodiment, reference function can also be introduced, when the first participant insolvency residue loan, and during by the second participant residue loan that helped the first participant to repay, the second capital management server can reduce the credit rating of the first participant, thus increases the penalty cost of the first participant, reduce default risk, safeguard the interests of the second participant and obligee further.In addition, the second participant can also help the first participant record of on time refunding to bring in bank's Credit Information System by the first capital management server, and promotes the grade of the second participant in described bank Credit Information System

Consult Fig. 2, Fig. 2 is that the present invention repays the schematic flow sheet of another embodiment of method.The repaying method of present embodiment, comprises the steps:

201: the first capital management servers receive the notice of the first participant repayment of bank loans that the second capital management server sends.

Wherein, the first capital management server and the second capital management server are bank or financial institution.

Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from the first capital management server by described second capital management server, described electronics acceptance and guarantee voucher be by described first capital management server according to the application of the second participant, freeze to open after described second participant is not less than the fund of the described amount of the loan.

Wherein, the amount of money of described electronics acceptance and guarantee voucher is equal with the amount of money of described first participant request.To be the first capital management server open the second participant as guarantee at the account fund of its financial sector or the accrediting amount according to the second participant electronics acceptance and guarantee voucher.

First capital management server freezes at least part of fund of the second participant according to the electronics acceptance and guarantee voucher that it is opened, electronics acceptance and guarantee voucher is sent to the second capital management server, second capital management server is offered loans to the first participant, and while offering loans, notify that the first participant need give back above-mentioned loan within the first target date.In addition, the loan interest dealt with in during the first participant also needs to pay loan to the second capital management server.

The first participant within the prescribed timelimit to the second capital management server repayment of bank loans and loan interest time, second capital management server receives the loan and loan interest that the first participant gives back, and the notice of informing the repayment of bank loans of the first participant described in described first capital management server is sent to the first capital management server, accordingly, the first capital management server receives above-mentioned notice.

In addition, because the first participant has given back the loan that the second capital management server provides in the given time, belong to integrity act, second capital management server includes this record of on time refunding of the first participant in bank Credit Information System, and promote the grade of the first participant in bank's Credit Information System, with other activities facilitating the first participant to participate in this capital management server.

202: described first capital management server thaw described second participant with the fund of described loan single-candidate.

In addition, although at least part of fund of the second participant is in frozen state during the first participant loan, but still be stored in the financial sector of the first capital management server, be deposit state, first capital management server is corresponding provides to the second participant the interest on deposit that frozen fund produces within frozen period, improves the income of the second participant.

Be different from prior art, after the first capital management server of present embodiment receives the notice of the first participant that the second capital management server sends repayment of bank loans, described second participant that thaws with the fund of described loan single-candidate.By getting involved in the debt-credit of the first participant and the second participant by the first capital management server and the second capital management server, effectively can reduce the risk of loan, ensureing fund security.

In addition, first capital management server thaw the second participant with loan single-candidate fund after, providing the loan interest that produces of fund frozen period to the second participant, can ensureing further, borrowing or lending money period second participant to the tenure of fund, to increase the income of the second participant.

In addition, the second capital management server itself also can obtain the loan interest that the first participant pays, additional income.

Consult Fig. 3, Fig. 3 is that the present invention repays the schematic flow sheet of a method embodiment again.The method of present embodiment comprises the steps:

When 301: the second capital management servers do not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant.

First capital management server freezes at least part of fund of the second participant according to the electronics acceptance and guarantee voucher that it is opened, electronics acceptance and guarantee voucher is sent to the second capital management server, second capital management server is offered loans to the first participant, and while offering loans, notify that the first participant need give back above-mentioned loan within the first target date.

Wherein, first capital management server and the second gold medal management server are bank or financial institution, the two can be same mechanism, also can for being respectively different mechanisms, when the first capital management server and the second gold medal management server are different institutions, realize loan and loaning bill process by the mode of the present embodiment.

When second capital management server does not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant.

In addition because this loan is equivalent to the loan that the second capital management server sends directly to the first participant, therefore, the loan interest dealt with in during the first capital management server also needs to pay loan to the second capital management server.

302: receive the described loan that described first participant is given back within the second target date; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server, to make described first capital management server thawing with the fund of described loan single-candidate to described second participant to described first capital management server.

If to described second capital management server repayment of bank loans within described second target date, second capital management server receives loan that the first participant gives back, loan interest and extension fine, sends the notice of informing the repayment of bank loans of the first participant described in described first capital management server to the first capital management server.

Be different from prior art, when the second capital management server in present embodiment does not receive the loan that the first participant gives back within the first target date, send the notice of a call need giving back described loan within the second target date to described first participant, receive the described loan that described first participant is given back within the second target date; And send the notice of informing the repayment of bank loans of the first participant described in described first capital management server, to make described first capital management server thawing with the fund of described loan single-candidate to described second participant to described first capital management server.By getting involved in the debt-credit of the first participant and the second participant by the first capital management server and the second capital management server, effectively can reduce the risk of loan, ensureing the circulation stability of fund.

Consult Fig. 4, Fig. 4 is the schematic flow sheet of data interactive processing method one embodiment of the present invention.The data interactive processing method of present embodiment comprises:

401: when second service side detects that described request of data Fang Wei increases by the first data value to the data cell of second service side, the notice that need increase by the first data value within second schedule time to the data cell of described second service side is sent to described request of data side.

Wherein, described first data value is sent to described request of data side according to the data voucher from first service side by described second service root, described data voucher is by the application of described first service root according to data initiator, and the numerical value locked in the data cell of described data initiator is opened after being not less than the data of described first data value size.

Particularly, this request of data side initiates the request of data of needs first data to data initiator by first service applicator platform.Data initiator opens data voucher to the application of first service side, and wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between data initiator and first service side.

First service side opens above-mentioned data voucher, and the data of described first data value size are not less than according to the numerical value in the data cell of this data voucher locking data initiator, this data voucher is sent to second service side, after second service side receives above-mentioned data voucher, send the first data to request of data side, and the data cell of specified data requesting party forward direction second service side on a predetermined date increases by the first data value.

Wherein, described data voucher is after the data value of first service side in the data cell determining data initiator is not less than described first data value, output to data initiator with the equal-sized data voucher of the first data value.

When request of data Fang Wei increases by the first data value in the data cell of the first forward direction target date second service side, request of data side described in second service direction sends the notice that need increase by the first data value within second schedule time to the data cell of described second service side.

If the data cell of forward direction second service side on a predetermined date of request of data side increases by the first data value, although the first target date arrived, the notice of the first data value has been added to the data cell of described second service side because first service Fang Wei receives the request of data side that second service sends, therefore, first service side keeps at least part of data in the data cell of data initiator still to keep lock-out state.

402: described request of data side receives described notice, and the data cell to second service side within described second target date increases by the first data value.

In addition, because the data cell of forward direction second service side on a predetermined date of request of data side increases by the first data value, second service directional data requesting party requires to impose the second data value produced owing to exceeding the time limit.

In addition, due to the first data sent directly to request of data side for second service side, therefore, when request of data side need increase by the first data value to the data cell of second service side, also need simultaneously to increase the relative numerical value of the first rights and interests that the first data bring to this data cell.

403: first service side described in described second service direction sends and informs that described request of data side has added the notice of the first data value.

404: described first service side receives the notice that described second service side sends, and the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size are unlocked.After first service side receives the notice of second service side's transmission, the data numerical value in the data cell of described data initiator being equivalent to described first data value size unlock.

In addition, although the component values in the data cell of data initiator is in the lock state, data initiator still has the right of attribution to it, and data initiator described in first service direction provides the value added data that the data freezed are brought between freezing period.

Be different from prior art, when the second service side of present embodiment detects that described request of data Fang Wei increases by the first data value to the data cell of second service side, the notice that need increase by the first data value within second schedule time to the data cell of described second service side is sent to described request of data side, described request of data side receives described notice, and the data cell to second service side within described second target date increases by the first data value, described in described second service direction first service side send inform request of data side described in described first service side to the data cell of described second service side add the first data value notify described first service side receive described second service side send notice, and the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size are unlocked.By the way, first service side and second service side are joined request of data side with the data exchange process of data initiator, and all there is data interaction between request of data side and data initiator, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

Consult Fig. 5, Fig. 5 is the schematic flow sheet of another embodiment of data interactive processing method of the present invention.The data interactive processing method of present embodiment comprises the following steps:

501: the request of data side that first service side receives the transmission of second service side adds the first data value notice to the data cell of described second service side.

Wherein, described first data value is sent to described request of data side according to the data voucher from first service side by described second service root, described data voucher is by the application of described service side according to data initiator, and the numerical value locked in the data cell of described data initiator is opened after being not less than the data of described first data value size.

Particularly, this request of data side initiates the request of data of needs first data to data initiator by first service applicator platform.Data initiator opens data voucher to the application of second service side, and wherein, described data voucher is the quantification tool of the data correlation relation set up in advance between data initiator and first service side.

If the request of data side on a predetermined date interior data cell to second service side increases by the first data value, described second capital management server receives the described loan given back of described first participant, and sends the notice of informing the repayment of bank loans of the first participant described in described first capital management server to described first capital management server.Accordingly, first service side receives above-mentioned notice.

In addition, because second service side sends the first data directly to request of data side, therefore, when request of data side need increase by the first data value to the data cell of second service side, also need simultaneously to increase the corresponding numerical value of the first rights and interests that the first data bring to this data cell.

In another embodiment, in order to promote the data interaction between service side and request of data side, this record on time increasing by the first data value to second service unit of request of data side is also brought in Credit Information System by service side, and promotes the grade of described request of data side in Credit Information System.

502: the data numerical value in the data cell of described data initiator being equivalent to described first data value size unlock.

After first service side receives the notice of second service side's transmission, the data numerical value in the data cell of described data initiator being equivalent to described first data value size unlock.

In addition, although the component values in the data cell of data initiator is in the lock state, but data initiator still has the right of attribution to it, while first service side unlocks the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size, also need to provide to described data initiator the value added data that the data freezed bring between freezing period.

Be different from prior art, after the request of data side that reception second service side of present embodiment first service side sends adds the first data value notice to the data cell of described second service side, the data numerical value in the data cell of described data initiator being equivalent to described first data value size unlock.By the way, first service side and second service side are joined request of data side with the data exchange process of data initiator, and all there is data interaction between request of data side and data initiator, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

Consult Fig. 6, Fig. 6 is the schematic flow sheet of a data interactive processing method of the present invention embodiment again.The data interactive processing method of present embodiment comprises the steps:

601: when second service side detects that described request of data side does not increase by the first data value to the data cell of second service side in the first target date, send the notice that need increase by the first data value within second schedule time to the data cell of described second service side to described request of data side.

If the data cell of forward direction second service side on a predetermined date of request of data side increases by the first data value, although the first target date arrived, the notice of the first data value has been added to the data cell of described second service side because first service Fang Wei receives the request of data side that second service sends, therefore, the data that first service side keeps the numerical value in the data cell of data initiator to be not less than described first data value size still keep lock-out state.

602: described second service side is detecting that described request of data side is when the data cell of second service side increases by the first data value described in the second target date forward direction, send to described first service side the notice that described request of data side has added the first data value, described first service side is unlocked the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size.

In addition, although the component values in the data cell of data initiator is in the lock state, but still there is the right of attribution, while the data correlation relation that first service side thaws between described service side representated by described data voucher and described data initiator, also need to provide to described data initiator the second rights and interests that the data freezed bring between freezing period.

Be different from prior art, present embodiment: when second service side detects that described request of data side does not increase by the first data value to the data cell of second service side in the first target date, the notice that need increase by the first data value within second schedule time to the data cell of described second service side is sent to described request of data side, detecting that described request of data side is when the data cell of second service side increases by the first data value described in the second target date forward direction, send to described first service side and inform that request of data side described in described first service side has added the notice of the first data value to the data cell of described second service side, described first service side is unlocked the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size.By the way, first service side and second service side are joined request of data side with the data exchange process of data initiator, and all there is data interaction between request of data side and data initiator, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

Consult Fig. 7, Fig. 7 is the structural representation of data interaction disposal system one embodiment of the present invention, and the data interaction system of present embodiment comprises request of data terminal 701, data initiating terminal 702 and first server 703 and second server 704,

When second server 704 is for detecting that described request of data terminal 701 does not increase by the first data value to the data cell of second server 704 within the first target date, send the notice that need increase by the first data value within second schedule time to the data cell of described second server 704 to described request of data terminal 704.

Wherein, described loan is provided to described first participant according to the electronics acceptance and guarantee voucher from first server 703 by described second server 704, described electronics acceptance and guarantee voucher be by described first server 703 according to the application of data initiating terminal 702, freeze the data cell of described data initiating terminal 702 be not less than the fund of the described amount of the loan after open.

Request of data terminal 701 is for receiving described notice, and the data cell to second server 704 within described second target date increases by the first data value.

For sending to described first server 703, described second server 704 also informs that described request of data terminal 701 has added the notice of the first data value to the data cell of described second server 704.

Described first server 703 receives the notice that described second server 704 sends, and unlocks the data that the numerical value in the data cell of described data initiating terminal 702 is equivalent to described first data value size.

Be different from prior art, when the second server of present embodiment detects that described request of data terminal does not increase by the first data value to the data cell of second server within the first target date, the notice that need increase by the first data value within second schedule time to the data cell of described second server is sent to described request of data terminal, described request of data terminal receives described notice, and the data cell to second server within described second target date increases by the first data value, described second server sends to described first server and informs that request of data terminal described in described first server has added the notice of the first data value to the data cell of described second server, described first server receives the notice that described second server sends, and unlocks the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.By the way, first server and second server are joined in the data exchange process of request of data terminal and data initiating terminal, and all there is data interaction between request of data terminal and data initiating terminal, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

Consult Fig. 8, Fig. 8 is the structural representation of server one embodiment of the present invention.The server of present embodiment comprises receiver module 801 and unlocked state 802.

Receiver module 801 adds the first data value notice to the data cell of described second service terminal for the request of data terminal receiving second server transmission.

Wherein, described first data value is sent to described request of data terminal according to the data voucher from first server by described second server, described data voucher is by the application of described first server according to data initiating terminal, and the numerical value locked in the data cell of described data initiating terminal is opened after being not less than the data of described first data value size.

The data that unlocked state 802 is equivalent to described first data value size for the numerical value in the data cell to described data initiator unlock.

Be different from prior art, the receiver module of present embodiment first server receives after request of data terminal that second server sends adds the first data value notice to the data cell of described second service terminal, and unlocked state unlocks the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.By the way, first server and second server are joined in the data exchange process of request of data terminal and data initiating terminal, and all there is data interaction between request of data terminal and data initiating terminal, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

Consult Fig. 9, Fig. 9 is the structural representation of another embodiment of server of the present invention.The server of present embodiment comprises detection module 901 and sending module 902,

Described sending module 901, for when described detection module 902 detects that described request of data terminal does not increase by the first data value to the data cell of second server within the first target date, sends the notice that need increase by the first data value within second schedule time to the data cell of described second server to described request of data terminal.

Described sending module 901 is also for detecting that at described detection module 902 described request of data terminal is when the data cell of second server increases by the first data value described in the second target date forward direction, take the transmission of device side to described first and inform that described request of data terminal has added the notice of the first data value to the data cell of described second server, described first server is unlocked the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.

Be different from prior art, the sending module of present embodiment side's server is when described detection module detects that described request of data terminal does not increase by the first data value to the data cell of second server within the first target date, the notice that need increase by the first data value within second schedule time to the data cell of described second server is sent to described request of data terminal, detect that described request of data terminal is when the data cell of second server increases by the first data value described in the second target date forward direction at described detection module, sending module takes the transmission of device side to described first and informs that request of data terminal described in described first server has added the notice of the first data value to the data cell of described second server, described first server is unlocked the data that the numerical value in the data cell of described data initiating terminal is equivalent to described first data value size.By the way, first server and second server are joined in the data exchange process of request of data terminal and data initiating terminal, and all there is data interaction between request of data terminal and data initiating terminal, extra foundation at least two data incidence relations, add data correlation relation, enrich data interaction intension, make in whole data exchange process, when either party data go wrong, still can reduce corresponding data or data correlation relation by means of the data interaction relation of other two sides, effectively prevent the loss of data, improve the stability of data security and data interaction.

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

1. a repaying method, is characterized in that, comprising:

2. method according to claim 1, is characterized in that, the step that described second capital management server receives the described loan that described first participant is given back specifically comprises:

The loan that described first participant of described second capital management server reception is given back and loan interest.

3. method according to claim 1, is characterized in that the notice that described first capital management server receives described second capital management server and sends, and specifically the comprising with the step of the fund of described loan single-candidate of described second participant that thaws:

Described first capital management server thaws the fund of described loan single-candidate;

Described first capital management server provides to described second participant the interest on deposit that frozen fund produces within frozen period.

4. the repaying method according to any one of claim 1-3, it is characterized in that, described method also comprises: when described second capital management server does not receive refund yet after exceeding repayment period, and described second capital management server imposes extension fine to described first participant.

5. debt-credit method according to claim 4, is characterized in that,

Described extension fine is that extension overdue fine is or/and the loan interest of increase in the payback period of delaying.

6. a repaying method, is characterized in that, comprising:

7. a repaying method, is characterized in that, comprising:

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

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

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

Described second service side is detecting that described request of data side is when the data cell of second service side increases by the first data value described in the second target date forward direction, send to described first service side and inform that described request of data side has added the notice of the first data value, described first service side is unlocked the data that the numerical value in the data cell of described data initiator is equivalent to described first data value size.

11. 1 kinds of data interaction disposal systems, is characterized in that, described data interaction system comprises request of data terminal, data initiating terminal, first server and second server;

12. 1 kinds of servers, is characterized in that, described server comprises receiver module and unlocked state,

13. 1 kinds of servers, is characterized in that, described server comprises: detection module and sending module,