CN105096191A

CN105096191A - Lending method and data interactive processing method, apparatus and system

Info

Publication number: CN105096191A
Application number: CN201510288126.8A
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: 2015-11-25

Abstract

The invention discloses a lending method and a data interactive processing method, apparatus and system. The method comprises: first and second parties apply, according to a borrowing request of a third party, to a first fund management server for first and second electronic commitment payment vouchers, wherein total value of the first and second electronic commitment payment vouchers is less than loan value requested by the third party; the first fund management server freezes funds that are equal to the electronic commitment payment vouchers in value and belong to the first and second parties and a second fund management server gives out funds that are equal to the value of the frozen funds to the third party and gives out third funds to the third party according to a remaining loan request initiated by the third party, wherein the total value of the first, second and third funds is equal to loan value of the loan request, and the funds are set by the second fund management server to be returned in a predetermined time. By the mode, the lending risk of a lender can be reduced.

Description

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

Technical field

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

Background technology

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

For the data processing in user's living scene, during user's apply for loan, usually can be applied for the mode of bank debit and credit by debt-credit mode direct between body and individuality or individuality.But, normally the side of loaning bill and lender are reached an agreement by oral or written form in debt-credit activity between individuality and individuality, after lending priority loaning bill side provides assets, due to shortage of capital guarantee and oversight mechanism, bring very large risk to lender; And the debt-credit activity between individual and bank exists gather individual information process complexity, manpower intervention deals with the work more, that bank also needs to bear financial risks problem.Therefore, need to provide a kind of brand-new debt-credit method and data interaction treatment mechanism, in order to meet the online Loan Demand of user.

Summary of the invention

The technical matters that the present invention mainly solves is to provide a kind of debt-credit method, data interactive processing method, Apparatus and system, can reduce the risk of data interaction (loan).

For solving the problems of the technologies described above, the technical scheme that the present invention adopts is: provide a kind of debt-credit method, described method comprises: the first participant and the second participant open corresponding first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher according to the loaning bill request of the 3rd participant to the first capital management server application respectively, wherein, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, and described first electronics acceptance and guarantee voucher is described first participant is 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, to be described 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 described second electronics acceptance and guarantee voucher, described first capital management server freeze described first participant according to its described first electronics acceptance and guarantee voucher opened and described second electronics acceptance and guarantee voucher with equipollent first fund of described first electronics acceptance and guarantee voucher, and freeze described second participant with equipollent second fund of described second electronics acceptance and guarantee voucher, second capital management server receives the described first electronics acceptance and guarantee voucher that the described first capital management server opened of described first capital management server is opened according to it, and to described 3rd participant granting and the described first electronics acceptance and guarantee voucher fund equal with described second electronics acceptance and guarantee voucher aggregate value, and described second capital management server provides the 3rd fund according to the residue that described 3rd participant is initiated request of borrowing money to described 3rd participant, wherein, the aggregate value of first, second and third fund described is worth equal with the described loaning bill of asking of borrowing money, first, second and third fund described by described second capital management Servers installed for give back in the given time.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of debt-credit method, described method comprises: the first capital management server receives the application that the first participant and the second participant propose according to the loaning bill request of the 3rd participant received respectively and opens the first corresponding electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher, wherein, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, to be described first participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described first electronics acceptance and guarantee voucher, to be described second participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described second electronics acceptance and guarantee voucher, freeze described first participant according to described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher with equipollent first fund of described first electronics acceptance and guarantee voucher, and freeze described second participant with equipollent second fund of described second electronics acceptance and guarantee voucher, described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher are sent to the second capital management server, make described second capital management server to described 3rd participant granting and the described first electronics acceptance and guarantee voucher fund equal with described second electronics acceptance and guarantee voucher aggregate value, wherein, the fund of described granting by described second capital management Servers installed for give back in the given time.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of debt-credit method, described method comprises: the second capital management server receives the first capital management server respectively according to the application of the first participant and the second participant and corresponding the first electronics acceptance and guarantee voucher of opening and the second electronics acceptance and guarantee voucher, wherein, described application receives the loaning bill request of the 3rd participant and sends respectively to described first capital management server for described first participant and described second participant, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, and described first electronics acceptance and guarantee voucher is described first participant is 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, to be described 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 described second electronics acceptance and guarantee voucher, to the fund that described 3rd participant granting and described first electronics acceptance and guarantee voucher are equal with described second electronics acceptance and guarantee voucher aggregate value, and provide the 3rd fund according to the residue loan requests that described 3rd participant is initiated to described 3rd participant, wherein, the aggregate value of first, second and third fund described is equal with the described loan to value of asking of borrowing money, first, second and third fund described by described second capital management Servers installed for give back in the given time.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, described method comprises: the request of data that the first data initiator and the second data initiator increase by the first data value according to request of data side's initiation needs to its data cell is filed an application respectively to first service side, and opens corresponding first data voucher and the second data voucher by described first service side; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side; Described first service root according to its open described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher; Second service side receives the first data voucher and the second data voucher opened described first service side, and increases the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data side data cell; And the request of data of the increase initiated according to described request of data side of the described second service root data value equal with Part III size of data, increase the data value equal with described Part III size of data to described request of data side data cell; Wherein, the data value summation of first, second and third partial data described is described first data value.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction disposal system, described system comprises: request of data terminal, for initiating the first request of data needing to increase by the first data value to its data cell; First data initiating terminal, for proposing the application of opening data voucher according to described first request of data; Second data initiating terminal, for proposing the application of opening data voucher according to described first request of data; First server, corresponding first data voucher and the second data voucher are opened in application for proposing according to described first data initiating terminal and described second data initiating terminal, according to its open first data voucher locking described first data initiating terminal data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiating terminal data cell in the equal-sized Part II data of data value representated by described second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described first service terminal, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiating terminal and described first service terminal; Second server, for receiving the first data voucher and the second data voucher that described first server opens, and increase the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data terminal data unit; And the request of data of the increase to initiate according to the described request of data terminal data value equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, and described method comprises: the request of data side that first service side receives according to the first data initiator and the second data initiator respectively initiates needs to be increased the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side; According to its open described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher; And described first data voucher and described second data voucher are sent to second service side, make the equal-sized data value of data value summation of the increase of request of data side's data cell and described Part I data and described Part II data described in described second service direction; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction treating apparatus, described device comprises: module opened by data voucher, and the request of data side for receiving according to the first data initiator and the second Data Data initiator respectively initiates need to increase the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side; Processing module, for open according to it described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher; And granting module, for described first data voucher and described second data voucher are sent to second service side, make the equal-sized data value of data value summation of the increase of request of data side's data cell and described Part I data and described Part II data described in described second service direction; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interactive processing method, and described method comprises: second service side receives first service side and divides the application according to the first data initiator and the second data initiator and open corresponding first data voucher and the second data voucher, wherein, described application is initiated to need to increase the request of data of the first data value to its data cell for described first data initiator and described second data initiator receive request of data side and is sent, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size, described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side, the equal-sized data value of data value summation with described Part I data and described Part II data is increased to described request of data side data cell, and the request of data of the increase to initiate according to the described request of data terminal data value equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data, wherein, the data value summation of first, second and third partial data described is described first data value, described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.

For solving the problems of the technologies described above, another technical solution used in the present invention is: provide a kind of data interaction treating apparatus, described device comprises: receiver module, divides the application according to the first data initiator and the second data initiator for receiving first service side and opens corresponding first data voucher and the second data voucher, wherein, described application is initiated to need to increase the request of data of the first data value to its data cell for described first data initiator and described second data initiator receive request of data side and is sent, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size, described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side, and granting module, for increasing the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data side data cell, and the request of data of the increase to initiate according to the described request of data terminal data value equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data, wherein, the data value summation of first, second and third partial data described is described first data value, described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.

In above scheme, in data exchange process, owing to adding service side outside data initiator (loan initiator) with side of request of data side (loaning bill side), and the data interaction incidence relation set up between data initiator and service side, between service side and request of data side, for the data interaction between data initiator and request of data side two side provides data monitoring and data feedback, improve data security and data interaction stability.

Accompanying drawing explanation

Fig. 1 is a kind of schematic flow sheet borrowing or lending money method in first embodiment of the invention;

Fig. 2 is a kind of schematic flow sheet borrowing or lending money method in second embodiment of the invention;

Fig. 3 is a kind of schematic flow sheet borrowing or lending money method in third embodiment of the invention;

Fig. 4 is a kind of schematic flow sheet borrowing or lending money method in four embodiment of the invention;

Fig. 5 is the schematic flow sheet of a kind of data interactive processing method in first embodiment of the invention;

Fig. 6 is the schematic flow sheet of a kind of data interactive processing method in second embodiment of the invention;

Fig. 7 is the schematic flow sheet of a kind of data interactive processing method in third embodiment of the invention

Fig. 8 is the structural representation of a kind of data interaction disposal system in embodiment of the present invention;

Fig. 9 is the structural representation of a kind of data interaction treating apparatus in first embodiment of the invention;

Figure 10 is the structural representation of a kind of data interaction treating apparatus in second embodiment of the invention.

Embodiment

By describing technology contents of the present invention, structural attitude in detail, being realized object and effect, below in conjunction with drawings and Examples, the present invention is described in detail.

Referring to Fig. 1, is a kind of schematic flow sheet borrowing or lending money method of first embodiment of the invention.Method flow shown in this embodiment comprises the following steps:

Step S10, the first participant and the second participant open corresponding first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher according to the loaning bill request of the 3rd participant to the first capital management server application respectively.

Wherein, the loaning bill that the aggregate value of this first electronics acceptance and guarantee voucher and this second electronics acceptance and guarantee voucher is less than the 3rd participant request is worth, and this first electronics acceptance and guarantee voucher is this first participant is opened by the first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application, to be this second participant opened by the first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application this second electronics acceptance and guarantee voucher.

In the present embodiment, this first and second participant is loan initiator, and the 3rd participant is loaning bill side.

Refer to Fig. 2, further, step S10, namely, first participant and the second participant open the first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher according to the loaning bill request of one the 3rd participant to capital management server respectively, realize especially by following steps:

Step S10a, the 3rd participant initiates this loaning bill request by a server platform.

Wherein, this server platform can be electric business's platform, and loaning bill side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes the request of loaning bill.

Step S10b, this first participant and this second participant receive this loaning bill request respectively, and according to this loaning bill request respectively to this first capital management server application, and open this first electronics acceptance and guarantee voucher and this second electronics acceptance and guarantee voucher by this first capital management server.

First loan initiator and the second loan initiator also can access the loaning bill request that loaning bill side was searched, received to this server platform.Further, the first loan initiator and the second loan initiator can check by this server platform the loan requests that multiple loaning bill side initiates, and select suitable reception.

Step S11, this the first capital management server freeze this first participant according to its this first electronics acceptance and guarantee voucher opened and this second electronics acceptance and guarantee voucher with equipollent first fund of this first electronics acceptance and guarantee voucher, and freeze this second participant with equipollent second fund of this second electronics acceptance and guarantee voucher.

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

Step S12, second capital management server receives this first electronics acceptance and guarantee voucher that this first capital management server that this first capital management server opens is opened according to it, and to the 3rd participant granting and this first electronics acceptance and guarantee voucher fund equal with this second electronics acceptance and guarantee voucher aggregate value.

In the present embodiment, this first capital management server is Bank One Corp. capital management server, and this second capital management server is the capital management server of secondary bank.

In other embodiments, this first capital management server and this second capital management server are same capital management server.

Step S13, this second capital management server provides the 3rd fund according to the residue that the 3rd participant is initiated request of borrowing money to the 3rd participant.Wherein, the aggregate value of this first, second and third fund is worth equal with the loaning bill of this loaning bill request, this first, second and third fund by this second capital management Servers installed for give back in the given time.

Further, the second capital management server also carries out credit evaluation to the 3rd participant before the 3rd participant granting the 3rd fund, and provides the 3rd fund when assessing qualified.

Such as, loaning bill side sends the loaning bill request of debt-credit 100,000, opens the first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher after the first loan initiator and the second loan initiator receive this loaning bill request respectively to Bank One Corp. application.Wherein, the value of the first electronics acceptance and guarantee voucher is the value of the 20,000, second electronics acceptance and guarantee voucher is 60,000.That is, the aggregate value of the first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher is less than 100,000.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 electronics acceptance and guarantee voucher.As, freeze respectively the first loan initiator consign money in a bank in 20,000 and second loan initiator consign money in a bank in 60,000, as loan initiator guarantee.Then, secondary bank receives the electronics acceptance and guarantee voucher opened of Bank One Corp., bank by 80,000 funds release to the side of loaning bill.Loaning bill policy proposes loaning bill request to remaining 20,000 loans to bank, and now secondary bank provides the fund of 20,000 to it when carrying out credit evaluation to loaning bill side and being qualified, borrows money successfully.

For lender, as, 60,000 deposits in second loan its bank of initiator are not taken away by bank and are lent loaning bill side, only can not be used by bank freezing, this 60,000 deposit is still in lender account, belong to lender, therefore risk reduces greatly, simultaneously also because thus this 60,000 deposit still to one's name may obtain other interests.For loaning bill Fang Eryan, it is not to bank loan to lender loaning bill, but proceeds comes from bank, and follow-up the remaining of fund is given back to bank, based on rich strength and the counter power of bank, self-disciplining can be strengthened and complete whole debt-credit flow process to coordinate lender, also reduce lender risk further, simultaneously also because the rich strength of bank makes loaning bill flow process become more smooth and easy, the conveniently side of loaning bill.For bank, this 60,000 fund of lending is stored as guarantee by frozen 60,000 of lender, and risk is not born by oneself, simultaneously because of oneself rich strength and counter power, to a certain degree can ensure completing smoothly of debt-credit flow process.After completing smoothly, can potential customers be increased, obtain more customer informations, also can therefore borrow or lend money flow process and obtain other interests.

In above scheme, first, two participants open first of the loaning bill aggregate value being less than request when the loaning bill request of reception 1 the 3rd participant respectively to the first capital management server application, two electronics acceptance and guarantee vouchers, the first capital management server is made to freeze first, the fund being less than electronics acceptance and guarantee voucher value of two participants, and by the second capital management server according to the loaning bill equipollent fund of electronics acceptance and guarantee voucher to the 3rd participant granting and request, second capital management server is directly provided to the 3rd participant for remaining loan simultaneously.Thus make capital management server as the medium platform of the 3rd participant and participant, participant to the guarantee of capital management server, and is offered loans to the 3rd participant by capital management server, to this reduce the risk of borrowing process.

Referring to Fig. 3, is the schematic flow sheet of the debt-credit method in third embodiment of the invention.Method flow shown in this embodiment comprises:

Step S20, the first capital management server receives the application that the first participant and the second participant propose according to the loaning bill request of the 3rd participant received respectively and opens the first corresponding electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher.

Wherein, the loaning bill that the aggregate value of this first electronics acceptance and guarantee voucher and this second electronics acceptance and guarantee voucher is less than the 3rd participant request is worth, to be this first participant opened by this first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application this first electronics acceptance and guarantee voucher, and to be this second participant opened by this first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application this second electronics acceptance and guarantee voucher.

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

Step S22, this the first electronics acceptance and guarantee voucher and this second electronics acceptance and guarantee voucher are sent to the second capital management server, make this second capital management server to the 3rd participant granting and this first electronics acceptance and guarantee voucher fund equal with this second electronics acceptance and guarantee voucher aggregate value.Wherein, the fund of this granting by this second capital management Servers installed for give back in the given time.

Further, this second capital management server is borrowed money according to the residue that the 3rd participant is initiated and is asked, and provides the 3rd fund to the 3rd participant.Wherein, the aggregate value of first, second and third fund and the loaning bill of asking of borrowing money are worth equal, first, second and third fund by the second capital management Servers installed for give back in the given time.

Referring to Fig. 4, is the schematic flow sheet of the debt-credit method in four embodiment of the invention.Method flow shown in this embodiment comprises:

Step S30, the second capital management server receives the first capital management server respectively according to the application of the first participant and the second participant and corresponding the first electronics acceptance and guarantee voucher of opening and the second electronics acceptance and guarantee voucher.

Wherein, this application is that this first participant and this second participant receive the loaning bill request of the 3rd participant and send respectively to this first capital management server, the loaning bill that the aggregate value of this first electronics acceptance and guarantee voucher and this second electronics acceptance and guarantee voucher is less than the 3rd participant request is worth, and this first electronics acceptance and guarantee voucher is this first participant is opened by the first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application, to be this second participant opened by the first capital management server using its account fund or the accrediting amount as guaranty money to this first capital management server application this second electronics acceptance and guarantee voucher.

Step S31, to the fund that the 3rd participant granting and this first electronics acceptance and guarantee voucher are equal with this second electronics acceptance and guarantee voucher aggregate value.

Step S32, provides the 3rd fund according to the residue loan requests that the 3rd participant is initiated to the 3rd participant.Wherein, the aggregate value of this first, second and third fund is equal with the loan to value of this loaning bill request, this first, second and third fund by this second capital management Servers installed for give back in the given time.

Referring to Fig. 5, is the schematic flow sheet of a kind of data interactive processing method of first embodiment of the invention.Method flow shown in this embodiment comprises:

Step S40, the request of data that first data initiator and the second data initiator initiate to need to increase to its data cell the first data value according to request of data side is filed an application respectively to first service side, and opens corresponding first data voucher and the second data voucher by this first service side.Wherein, the data value summation of this first data voucher and second this representative of data voucher is less than this first data value size.This first data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side, and this second data voucher is the quantification tool of the data correlation relation set up in advance between this second data initiator and this first service side.

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

Further, this request of data side initiates the request of data of needs first data by first service applicator platform.

Step S42, second service side receives the first data voucher and the second data voucher opened this first service side, and increases the equal-sized data value of data value summation with these Part I data and these Part II data to this request of data side's data cell.

Particularly, these first data initiator and these second data initiator open this first data voucher and this second data voucher respectively by second service applicator platform to service side.

Wherein, this first service applicator platform and second service applicator platform can be identical server platforms, also can be different server platforms.

Further, this first service applicator platform and second service applicator platform can be electric business's platforms, request of data side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and data initiator opens data voucher by electric business's platform response request of data.

Step S43, this second service root, according to the request of data of the increase that this request of data side the initiates data value equal with Part III size of data, increases the data value equal with this Part III size of data to this request of data side's data cell.Wherein, the data value summation of this first, second and third partial data is this first data value.

Refer to Fig. 6, be a kind of data interactive processing method of second embodiment of the invention, the method flow shown in this embodiment comprises:

Step S50, the request of data side that first service side receives according to the first data initiator and the second data initiator respectively initiates need to increase the application of the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher.Wherein, the data value summation of this first data voucher and second this representative of data voucher is less than this first data value size.This first data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side, and this second data voucher is the quantification tool of the data correlation relation set up in advance between this second data initiator and this first service side.

Particularly, this request of data side initiates the request of data of needs first data by first service applicator platform.This first data initiator and the second data initiator open the first data voucher and the second data voucher by second service applicator platform to service side's application.

Further, this first service applicator platform and second service applicator platform can be electric business's platforms, request of data side can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and the first data initiator and the second data initiator open data voucher by electric business's platform response request of data to the application of first service side.

Step S51, according to its this first data voucher opened lock in these first data initiator data cell with the equal-sized Part I data of data value representated by this first data voucher, and according to this second data voucher that it is opened lock in these second data initiator data cell with the equal-sized Part II data of data value representated by this second data voucher.

Step S52, is sent to second service side by this first data voucher and this second data voucher, and this request of data side's data cell of this second service direction is increased and the data value summation equal-sized data value of these Part I data with these Part II data.Wherein, this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.

Refer to Fig. 7, be a kind of data interactive processing method of third embodiment of the invention, the method flow shown in this embodiment comprises:

Step S60, second service side receives first service side and divides the application according to the first data initiator and the second data initiator and open corresponding first data voucher and the second data voucher.Wherein, this application is that these first data initiator and these second data initiator receive the request of data initiating to need to increase to its data cell the first data value in request of data side and send, the data value summation of this first data voucher and second this representative of data voucher is less than this first data value size, this the first data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side, this the second data voucher is the quantification tool of the data correlation relation set up in advance between this second data initiator and this first service side.

Step S61, increases the equal-sized data value of data value summation with these Part I data and these Part II data to this request of data side's data cell.

Step S62, according to the request of data of the increase data value equal with Part III size of data that this request of data terminal is initiated, to the data value that the increase of this request of data terminal data unit is equal with this Part III size of data.

Wherein, the data value summation of this first, second and third partial data is this first data value.This second server arranges request of data side in the given time should increase the data value equal with this first size of data to second server data cell.

Referring to Fig. 8, is the structural representation of the data interaction disposal system of embodiment of the present invention.System 70 shown in this embodiment comprises: request of data terminal 71, first data initiating terminal 72, second data initiating terminal 73, first server 74 and second server 75.

This request of data terminal 71 is for initiating the first request of data needing to increase by the first data value to its data cell.

Wherein, this request of data terminal 71 needs by the initiation of first service applicator platform the first request of data increasing by the first data value to its data cell.

This first data initiating terminal 72 is for filing an application the application of opening data voucher according to this first request of data.

This second data initiating terminal 73 is for filing an application the application of opening data voucher according to this first request of data.

Particularly, this first data initiating terminal 72 and the second data initiating terminal 73 open the first data voucher and the second data voucher by second service applicator platform to first server 74 application.

Further, this first service applicator platform and second service applicator platform can be electric business's platforms, this request of data terminal 71 can also access by the application program be arranged in intelligent terminal the initiation that this electric business's platform completes request of data, and this first data initiating terminal 72 and the second data initiating terminal 73 open data voucher by electric business's platform response request of data.

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

This second server 75 for the first data voucher of receiving this first server and opening and the second data voucher, and increases the equal-sized data value of data value summation with these Part I data and these Part II data to this request of data terminal data unit.And the request of data of the increase data value equal with Part III size of data of to initiate according to this request of data terminal, to the data value that the increase of this request of data terminal data unit is equal with this Part III size of data.Wherein, the data value summation of this first, second and third partial data is this first data value.

In the present embodiment, this first server 73 is the first capital management server, and this first capital management server can be bank.This second server 74 is the second capital management server, and this second capital management server can be bank.

In other embodiments, this this first server 73 and this second server 74 are the first capital management server, and this first capital management server can be bank.

Referring to Fig. 9, is a kind of data interaction treating apparatus of embodiment of the present invention, and the data interaction treating apparatus 80 shown in this embodiment comprises data voucher and opens module 81, processing module 82 and provide module 83.In the present embodiment, this device 80 operates in a banking system.

Module 81 opened by this data voucher, and the request of data side for receiving according to the first data initiator and the second Data Data initiator respectively initiates need to increase the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher.Wherein, the data value summation of this first data voucher and second this representative of data voucher is less than this first data value size.This first data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side, and this second data voucher is the quantification tool of the data correlation relation set up in advance between this second data initiator and this first service side.

Particularly, this data voucher is opened module 81 and is received by a server platform data voucher that the first data initiating terminal opens.

This processing module 82 for this first data voucher opened according to it lock in these first data initiator data cell with the equal-sized Part I data of data value representated by this first data voucher, and according to this second data voucher that it is opened lock in these second data initiator data cell with the equal-sized Part II data of data value representated by this second data voucher.

This first data voucher and this second data voucher are sent to second service side by this granting module 83, and this request of data side's data cell of this second service direction is increased and the data value summation equal-sized data value of these Part I data with these Part II data.Wherein, this second service side arranges request of data side in the given time should increase the data value equal with this Part I size of data to second service side's data cell.

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

Referring to Figure 10, is a kind of data interaction treating apparatus of second embodiment of the invention, and the data interaction treating apparatus 90 shown in this embodiment comprises receiver module 91 and provides module 92.In the present embodiment, this device 90 operates in a banking system.

This receiver module 91 divides the application according to the first data initiator and the second data initiator for receiving first service side and opens corresponding first data voucher and the second data voucher.Wherein, this application is that these first data initiator and these second data initiator receive the request of data initiating to need to increase to its data cell the first data value in request of data side and send, the data value summation of this first data voucher and second this representative of data voucher is less than this first data value size, this the first data voucher is the quantification tool of the data correlation relation set up in advance between this first data initiator and this first service side, this the second data voucher is the quantification tool of the data correlation relation set up in advance between this second data initiator and this first service side.

This granting module 92 is for increasing the equal-sized data value of data value summation with these Part I data and these Part II data to this request of data side's data cell.And the request of data of the increase data value equal with Part III size of data of to initiate according to this request of data terminal, to the data value that the increase of this request of data terminal data unit is equal with this Part III size of data.

A kind of debt-credit method provided by the invention, data interactive processing method, Apparatus and system, first is made by data voucher, data correlation relation is set up in advance between two data initiators and service side, when first, two data initiators are when receiving a request of data side and initiating the request of data of needs first data, branch opens the first data voucher and the second data voucher to service side, the aggregate value of the first data voucher and the second data voucher is less than the first data value, service side is made to freeze first respectively, representated by two data vouchers with first, data correlation relation between two data initiators, second service root is increased and corresponding data value to request of data side's data cell according to this data voucher.In data exchange process, due to data initiator (first, two participants) with request of data side's (the 3rd participant) side outside add service side, and set up between data initiator and service side, data interaction incidence relation between service side and request of data side, for the data interaction between data initiator and request of data side two side provides data monitoring and data feedback, add data correlation mode, enrich data interaction intension, when making either party occur data problem, still can reduce corresponding data (or data correlation relation) by means of the data interaction relation of other two sides, improve data security and data interaction stability.

The foregoing is only embodiments of the present invention; not thereby the scope of the claims of the present invention is limited; every utilize instructions of the present invention and accompanying drawing content to do equivalent structure or equivalent flow process conversion; or be directly or indirectly used in other relevant technical fields, be all in like manner included in scope of patent protection of the present invention.

Claims

1. a debt-credit method, is characterized in that, described method comprises:

First participant and the second participant open corresponding first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher according to the loaning bill request of the 3rd participant to the first capital management server application respectively, wherein, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, and described first electronics acceptance and guarantee voucher is described first participant is 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, to be described 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 described second electronics acceptance and guarantee voucher,

Described first capital management server freeze described first participant according to its described first electronics acceptance and guarantee voucher opened and described second electronics acceptance and guarantee voucher with equipollent first fund of described first electronics acceptance and guarantee voucher, and freeze described second participant with equipollent second fund of described second electronics acceptance and guarantee voucher;

Second capital management server receives the described first electronics acceptance and guarantee voucher that the described first capital management server opened of described first capital management server is opened according to it, and to described 3rd participant granting and the described first electronics acceptance and guarantee voucher fund equal with described second electronics acceptance and guarantee voucher aggregate value; And

Described second capital management server provides the 3rd fund according to the residue that described 3rd participant is initiated request of borrowing money to described 3rd participant; Wherein, the aggregate value of first, second and third fund described is worth equal with the described loaning bill of asking of borrowing money, first, second and third fund described by described second capital management Servers installed for give back in the given time.

2. debt-credit method according to claim 1, it is characterized in that, the step that described first participant and the second participant open corresponding first electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher according to the loaning bill request of the 3rd participant to the first capital management server application respectively comprises:

Described 3rd participant initiates the request of described loaning bill by a server platform; And

Described first participant and described second participant receive the request of described loaning bill respectively, and according to described loaning bill request respectively to described first capital management server application, and open described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher by described first capital management server.

3. debt-credit method according to claim 1 and 2, is characterized in that, described first capital management server is the capital management server of Bank One Corp., and described second capital management server is the capital management server of secondary bank.

4. debt-credit method according to claim 1 and 2, is characterized in that, described first capital management server and described second capital management server are same capital management server.

5. a debt-credit method, is characterized in that, described method comprises:

First capital management server receives the application that the first participant and the second participant propose according to the loaning bill request of the 3rd participant received respectively and opens the first corresponding electronics acceptance and guarantee voucher and the second electronics acceptance and guarantee voucher, wherein, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, to be described first participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described first electronics acceptance and guarantee voucher, to be described second participant opened by described first capital management server using its account fund or the accrediting amount as guaranty money to described first capital management server application described second electronics acceptance and guarantee voucher,

Freeze described first participant according to described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher with equipollent first fund of described first electronics acceptance and guarantee voucher, and freeze described second participant with equipollent second fund of described second electronics acceptance and guarantee voucher;

Described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher are sent to the second capital management server, make described second capital management server to described 3rd participant granting and the described first electronics acceptance and guarantee voucher fund equal with described second electronics acceptance and guarantee voucher aggregate value; Wherein, the fund of described granting by described second capital management Servers installed for give back in the given time.

6. a debt-credit method, is characterized in that, described method comprises:

Second capital management server receives the first capital management server respectively according to the application of the first participant and the second participant and corresponding the first electronics acceptance and guarantee voucher of opening and the second electronics acceptance and guarantee voucher, wherein, described application receives the loaning bill request of the 3rd participant and sends respectively to described first capital management server for described first participant and described second participant, the loaning bill that the aggregate value of described first electronics acceptance and guarantee voucher and described second electronics acceptance and guarantee voucher is less than described 3rd participant request is worth, and described first electronics acceptance and guarantee voucher is described first participant is 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, to be described 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 described second electronics acceptance and guarantee voucher,

To the fund that described 3rd participant granting and described first electronics acceptance and guarantee voucher are equal with described second electronics acceptance and guarantee voucher aggregate value; And

The 3rd fund is provided to described 3rd participant according to the residue loan requests that described 3rd participant is initiated; Wherein, the aggregate value of first, second and third fund described is equal with the described loan to value of asking of borrowing money, first, second and third fund described by described second capital management Servers installed for give back in the given time.

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

The request of data that first data initiator and the second data initiator initiate to need to increase to its data cell the first data value according to request of data side is filed an application respectively to first service side, and opens corresponding first data voucher and the second data voucher by described first service side; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side;

Described first service root according to its open described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher;

Second service side receives the first data voucher and the second data voucher opened described first service side, and increases the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data side data cell; And

Described second service root, according to the request of data of the increase that described request of data side the initiates data value equal with Part III size of data, increases the data value equal with described Part III size of data to described request of data side data cell; Wherein, the data value summation of first, second and third partial data described is described first data value.

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

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

First data initiating terminal, for proposing the application of opening data voucher according to described first request of data;

Second data initiating terminal, for proposing the application of opening data voucher according to described first request of data;

First server, corresponding first data voucher and the second data voucher are opened in application for proposing according to described first data initiating terminal and described second data initiating terminal, according to its open first data voucher locking described first data initiating terminal data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiating terminal data cell in the equal-sized Part II data of data value representated by described second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiating terminal and described first service terminal, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiating terminal and described first service terminal;

Second server, for receiving the first data voucher and the second data voucher that described first server opens, and increase the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data terminal data unit; And the request of data of the increase to initiate according to the described request of data terminal data value equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data; Wherein, the data value summation of first, second and third partial data described is described first data value.

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

The request of data side that first service side receives according to the first data initiator and the second data initiator respectively initiates need to increase the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side;

According to its open described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher; And

Described first data voucher and described second data voucher are sent to second service side, make the equal-sized data value of data value summation of the increase of request of data side's data cell and described Part I data and described Part II data described in described second service direction; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.

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

Module opened by data voucher, and the request of data side for receiving according to the first data initiator and the second Data Data initiator respectively initiates need to increase the request of data of the first data value to its data cell and open corresponding first data voucher and the second data voucher; Wherein, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size; Described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, and described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side;

Processing module, for open according to it described first data voucher locking described first data initiator data cell in the equal-sized Part I data of data value representated by described first data voucher, and according to its open described second data voucher locking described second data initiator data cell in the equal-sized Part II data of data value representated by described second data voucher; And

Provide module, for described first data voucher and described second data voucher are sent to second service side, make the equal-sized data value of data value summation of the increase of request of data side's data cell and described Part I data and described Part II data described in described second service direction; Wherein, described second service side arranges request of data side in the given time should increase the data value equal with described Part I size of data to second service side's data cell.

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

Second service side receives first service side and divides the application according to the first data initiator and the second data initiator and open corresponding first data voucher and the second data voucher, wherein, described application is initiated to need to increase the request of data of the first data value to its data cell for described first data initiator and described second data initiator receive request of data side and is sent, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size, described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side,

The equal-sized data value of data value summation with described Part I data and described Part II data is increased to described request of data side data cell; And

The request of data of the data value that the increase initiated according to described request of data terminal is equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data;

Wherein, the data value summation of first, second and third partial data described is described first data value; Described second server arranges request of data side in the given time should increase the data value equal with described first size of data to second server data cell.

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

Receiver module, divides the application according to the first data initiator and the second data initiator for receiving first service side and opens corresponding first data voucher and the second data voucher, wherein, described application is initiated to need to increase the request of data of the first data value to its data cell for described first data initiator and described second data initiator receive request of data side and is sent, the data value summation represented described in described first data voucher and the second data voucher is less than described first data value size, described first data voucher is the quantification tool of the data correlation relation set up in advance between described first data initiator and described first service side, described second data voucher is the quantification tool of the data correlation relation set up in advance between described second data initiator and described first service side, and

Provide module, for increasing the equal-sized data value of data value summation with described Part I data and described Part II data to described request of data side data cell; And the request of data of the increase to initiate according to the described request of data terminal data value equal with Part III size of data, to the data value that described request of data terminal data unit increase is equal with described Part III size of data;