WO2016191918A1

WO2016191918A1 - Online lending method, and data interaction processing method, device and system

Info

Publication number: WO2016191918A1
Application number: PCT/CN2015/080237
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Also published as: CA3112662C; CA3112666C; CA3112665C; CA3112665A1; CA3112666A1; CA2987672A1; CA3112662A1; CA2987672C

Abstract

An online lending method, and a data interaction processing method, device and system. The lending method comprises: a first participant submits a borrowing request; a second participant receives the borrowing request of the first participant, and submits an application to open a credit certificate to a first funds management server; the first funds management server generates the credit certificate according to the application to open the credit certificate, freezes funds of the second participant which are equal to a borrowing limit of the first participant, and sends the credit certificate to a second funds management server; after receiving the credit certificate, the second funds management server grants funds to the first participant which are equal to the frozen funds, the second funds management server setting a repayment time for the granted funds, and monitoring a repayment date of the first participant. The present invention reduces the lending risk for a loan initiator.

Description

Online lending method, data interaction processing method, device and system

【技术领域】[Technical Field]

The present invention relates to the field of credit, and in particular to a lending method, a data interaction processing method, apparatus and system.

【背景技术】【Background technique】

Private lending is divided into private lending and borrowing between citizens and financial companies. Since private lending is mostly carried out in the case of semi-public or even secret transactions, the borrowers and lenders generally test the so-called reputation maintenance, the loan procedures are incomplete, there is no guarantee mortgage, there is no reliable legal guarantee, and once the situation changes, the lender It is highly probable that the funds borrowed from the borrower will not be returned.

With the development of Internet technology, especially mobile Internet technology, users can use the 2G, 3G, 4G or wifi to connect to the Internet for transactions, social activities, etc. Through Internet technology users can conveniently and effectively carry out online activities. This is an incomparable experience offline. Therefore, it is necessary to provide an online based loan method.

Further, since the user can implement data interaction in various ways through the Internet, it is necessary to provide an online data interaction processing method.

【发明内容】 [Summary of the Invention]

It is an object of the present invention to provide an online lending method.

The invention provides an online lending method, the method comprising: a first participant submitting a loan request; a second participant receiving a loan request of the first participant, and submitting a credit certificate to the first fund management server Forming an application; the first fund management server generates a credit certificate according to the credit certificate opening application, and freezes funds of the second participant that are equal to the first participant's loan amount, and the credit certificate Sending to the second fund management server; after receiving the credit certificate, the second fund management server issues funds equal to the frozen funds to the first participant; wherein the second fund management server sets The repayment time of the issued funds, and monitoring the repayment date of the first participant.

Another online lending method provided by the present invention, the method includes: the first fund management server receives an application for opening a credit certificate submitted by the second participant according to the borrowing request of the first participant; and opening the account according to the credit certificate Applying to generate a credit certificate, freezing the funds of the second participant that are equal to the loan amount of the first participant; and sending the credit certificate to the second fund management server, so that the second fund management server receives After the credit certificate, the first participant is issued with funds equal to the frozen funds; wherein the second fund management server sets a repayment time of the issued funds, and monitors the first The date of repayment of the participant.

Another online lending method provided by the present invention, the method comprising: receiving, by a second fund management server, a credit voucher; wherein the credential is a first fund management server receiving a second participant's loan according to the first participant And generating, by the requesting the proposed credit certificate to open the application; and issuing funds equal to the frozen funds to the first participant; wherein the frozen funds are frozen by the first fund management server in the second participant a fund equal to the loan amount of the first participant; wherein the second fund management server sets a time for repayment of the issued funds, and monitors a repayment date of the first participant.

In the above online lending method, the second participant applies for the opening of the credit certificate to the first fund management server when receiving the loan request of the first party, and the first fund management server freezes the corresponding fund, and the second fund management server The credit certificate issues the frozen funds to the first party. Therefore, the fund management server is used as an intermediary platform of the two participants, the second participation is guaranteed by the first fund management server, and the associated second fund management server issues a loan to the first participant, thereby facilitating the first party. The loan is made online; in addition, the second fund management server monitors the repayment date of the first party, thereby reducing the loan risk of the loan originator.

Another object of the present invention is to provide a data interaction processing method, a data interaction system, and a data processing apparatus.

The invention provides a data interaction processing method, in which a data requester initiates a data request for adding a first data value to a data unit; the data initiator receives a data request of the data requester, and submits a data certificate to the service party. And the first service party generates a data voucher according to the data voucher open application, and locks the first data in the data unit of the data initiator that is equal to the data value requested by the data requester, and Sending the data voucher to the second server; and after receiving the data voucher, the second server adds a data value equal to the first data size to the data requester data unit; The second server provides that the data requestor should add a data value equal to the first data size to the second server data unit within a predetermined time.

Another data interaction processing method provided by the present invention, the method includes: the first service party receives a data voucher open request submitted by the data initiator according to the data requester of the data requester; wherein the data request is the data request The requesting party initiates a request to add a first data value to its data unit; generates a data voucher according to the data voucher open application, and locks a data unit of the data originator that is equal to the data value requested by the data requestor Transmitting the data voucher to the second server, and after the second server receives the data voucher, adding a size equal to the first data to the data requester data unit Data value; wherein the second server is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.

Another data interaction processing method provided by the present invention, the method comprising: receiving, by a second server, a data voucher; wherein the data voucher is data received by the first server to receive data request from the data initiator according to the data requester Generated by the voucher opening request, the data request initiating a request for the data requestor to add a first data value to its data unit; and adding a data equal to the first data size to the data requestor data unit a data value; wherein the first data is data in which the first servant locks a data unit of the data originator that is equal to a data value requested by the data requester; wherein the second servant sets The data requestor shall add a data value equal to the first data size to the second servant data unit for a predetermined time.

The present invention provides a data interaction processing system, the system comprising: a data requesting terminal, configured to initiate a data request for adding a first data value to a data unit thereof; and a data originating terminal, configured to receive the data requesting party Data request, and submitting a data voucher open application to the service party; the first server is configured to generate a data voucher according to the data voucher open application, and lock the data unit of the data initiator to request the data requestor a first data having the same data value; the second server, after receiving the data voucher, adding a data value equal to the first data size to the data requestor data unit; wherein the second service The party is set to increase the data value equal to the first data size to the second servant data unit within a predetermined time.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a data voucher open request submitted by a data initiator according to a data request of a data requester; wherein the data request is the data The requesting party initiates a request to add a first data value to its data unit; the processing module is configured to generate a data credential according to the data credential open application, and lock the request in the data unit of the data initiator with the data requester The first data having the same data value; and an issuance module, configured to send the data voucher to the second service party, and after the second service party receives the data voucher, to the data requestor data unit Adding a data value equal to the first data size; wherein the device is set to increase the data equal to the first data size to the second server data unit within a predetermined time value.

The present invention provides another data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a data credential; wherein the data credential is provided by the first serving party to receive a data request by the data originator according to the data requester Generated by the data voucher opening request, the data request initiating a request for the data requestor to add a first data value to its data unit; and an issue module for adding and adding to the data requestor data unit a first data size equal to a data value; wherein the first data is data that is equal to a data value requested by the data requester in a data unit of the data initiator that is locked by the first server; The device is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.

In the above data interaction processing method, data interaction system, and data processing apparatus, when the data originator initiates a data request that needs to add a first value to its data unit, the first service party initiates the data according to the data. The party request opens the data credential and locks the corresponding first data, so that the second service party adds the value of the first data to the data requester according to the data credential, and requests the data requester to put the first data within a predetermined time. The value is added to the second servant data unit. Therefore, in the data interaction process, the first and second service parties are added to the interaction process, and the data originator sends the credit guarantee to the service party to make the service party become the actual data issuer, thereby making the data interaction processing more convenient. ,Safety.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of a lending method in a first embodiment of the present invention;

2 is a schematic diagram of a loan relationship in an embodiment of the present invention;

3 is a schematic flow chart of a lending method in a second embodiment of the present invention;

4 is a schematic flow chart of a lending method in a third embodiment of the present invention;

5 is a schematic flow chart of a lending method in a fourth embodiment of the present invention;

6 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention;

7 is a schematic diagram of data interaction relationship in an embodiment of the present invention;

8 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention;

9 is a schematic flowchart of a data interaction processing method in a third embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention; FIG.

11 is a schematic diagram of a connection relationship of data interaction in an embodiment of the present invention;

12 is a schematic diagram of a mechanism of a data interaction processing apparatus in a first embodiment of the present invention;

FIG. 13 is a schematic diagram of the mechanism of a data interaction processing apparatus in a second embodiment of the present invention.

【具体实施方式】【detailed description】

The invention will now be described in detail in conjunction with the drawings and embodiments.

Please refer to FIG. 1 , which is a schematic flowchart diagram of an online lending method according to a first embodiment of the present invention. Please refer to FIG. 2 together with the schematic diagram of the loan relationship. The method flow shown in this embodiment includes the following steps:

In step S10, the first participant submits a loan request.

The credit certificate is a silver letter certificate, which is opened for the loan initiator to use its bank account funds or credit line as a guarantee. The bank promises to handle the electronic credit certificate for settlement and payment according to the settlement conditions.

Step S11: The second participant receives the loan request of the first participant, and then submits a credit certificate opening application to the first fund management server.

Referring to FIG. 3, further, step S10, that is, the first participant submits a loan request, which is specifically implemented by the following steps:

In step S10a, the first party initiates the loan request through a server platform.

The server platform may be an e-commerce platform, and the first participant may also access the e-commerce platform to complete the initiation of the loan request through an application installed in the smart terminal.

Step 11, that is, the second participant receives the loan request of the first participant, and then submits a credit certificate opening application to the first fund management server, which is specifically implemented by the following steps:

Step S11a: The second participant receives the loan request through the server platform, and submits a credit certificate opening application to the first fund management server.

The second party may also access the server platform to find and receive the borrowing request of the first party. Further, the second participant can view the loan requests initiated by the plurality of first participants through the server platform, and select an appropriate reception.

Step S12, the first fund management server opens an application to generate a credit certificate according to the credit certificate, and then freezes the funds of the second participant that are equal to the borrowing amount of the first participant, and sends the credit certificate to the second Money management server.

Step S13: After receiving the credit certificate, the second fund management server issues funds equal to the frozen funds to the first participant. The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant.

The first fund management server is an account management server of the second participant, and the second fund management server is an account management server of the first participant.

In this embodiment, the first fund management server is a fund management server of the first bank, and the second fund management server is a fund management server of the second bank. The frozen funds are the deposit of the second party to the first fund management server, or the credit amount of the second party to the first fund management server, or the second party of the second fund management server The funds corresponding to the mortgaged real estate.

In another embodiment, the first money management server and the second money management server are the same money management server.

Further, in the embodiment, the first participant is a borrower, and the second participant is a loan initiator.

For example, the borrower issues a loan request with a loan of 100,000, and the loan originator requests to open a credit certificate to the first bank after receiving the loan request, the first bank generates a credit certificate according to the application, and then freezes the loan originator at the first bank. In the funds, the funds for freezing the funds are equal to the funds for the credit certificates, that is, the 100,000 of the first bank deposits of the frozen loan originator is frozen as the guarantee of the loan initiator. Then, according to the credit certificate sent by the first bank, the second bank issues 100,000 funds to the borrower, and the borrower's loan is successful.

For the loan originator, the 100,000 deposits in the bank are not borrowed by the bank to the borrower, but are not frozen by the bank. The 100,000 deposits are still in the loan originator account and belong to the guarantee party. The risk of the sponsor is greatly reduced, and because the 100,000 deposits remain their own, they may gain additional benefits. For the borrower, it borrows from the loan originator and does not borrow from the bank, but the actual amount comes from the bank, and the subsequent payment is still returned to the bank. Based on the strong strength and counter-force of the bank, the self-discipline will be strengthened. Cooperating with the lender to complete the lending process, it will further reduce the risk of the lender, and at the same time, the bank's strong strength will make the loan process smoother and more convenient for the borrower. For the bank, the 100,000 funds borrowed are guaranteed by the lender’s frozen 100,000 storage, and the risk is not entirely borne by the other party. At the same time, due to its strong strength and counter-force, the lending process can be guaranteed to a certain extent. Done successfully. After successful completion, you can increase your potential customers, get more customer information, and you can get additional benefits from the lending process.

In the above solution, the second participant applies to the first fund management server to open a credit certificate when receiving the loan request of the first participant, and the first fund management server freezes the corresponding fund of the second participant, and the second fund management The server issues funds to the first participant based on the credentials. Therefore, the fund management server is used as an intermediary platform of the two participants, the second participation is guaranteed by the first fund management server, and the associated second fund management server issues a loan to the first participant, thereby facilitating the first party. Make loans online. In addition, the second party management server monitors the repayment date of the first party, thereby reducing the loan risk of the loan originator.

Please refer to FIG. 4 , which is a schematic flowchart diagram of an online lending method according to a third embodiment of the present invention. The method flow shown in this embodiment includes:

Step S20: The first fund management server receives an application for opening a credit certificate submitted by the second participant according to the loan request of the first participant.

Step S21: Open a request for generating a credit certificate according to the credit certificate, and freeze the funds of the second participant that are equal to the loan amount of the first participant.

Step S22, the credit certificate is sent to the second fund management server, so that after receiving the credit certificate, the second fund management server issues funds equal to the frozen fund to the first participant.

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant.

Please refer to FIG. 5 , which is a schematic flowchart diagram of an online lending method according to a fourth embodiment of the present invention. The method flow shown in this embodiment includes:

In step S30, the second fund management server receives the credit certificate. The credit certificate is generated by the first fund management server receiving the application for opening a credit certificate submitted by the second participant according to the loan request of the first participant.

In step S31, funds equal to the frozen funds are issued to the first participant. The frozen fund is a fund for the first fund management server to freeze the loan amount of the second participant and the first participant.

FIG. 6 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. Please refer to FIG. 7 as a schematic diagram of the data interaction relationship. The method flow shown in this implementation manner includes:

In step S40, the data requester initiates a data request that needs to add a first data value to its data unit.

Further, the data requester initiates a data request requiring the first data through the first server platform.

Step S41, the data initiator receives the data request of the data requester, and submits a data voucher open application to the first service party.

Specifically, the data initiator applies to the service party through the second server platform to issue a data credential corresponding to the first data value.

The first server platform and the second server platform may be the same server platform or different server platforms.

Further, the first server platform and the second server platform may be an e-commerce platform, and the data requesting party may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, and the data initiator passes the electricity. The merchant platform opens the data voucher in response to the data request.

Step S42, the first service party generates a data voucher according to the data voucher open application, locks the first data in the data unit of the data initiator that is equal to the data value requested by the data requester, and sends the data voucher to the data voucher. Second servant.

Step S43, after receiving the data voucher, the second server adds a data value equal to the first data size to the data requester data unit. The second server is configured to add a data value equal to the first data size to the second server data unit within a predetermined time.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the data requester is user A and the data originator is user B. User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges. The client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network. User A initiates a data request requiring first data through the first server platform, wherein the first data is a password requesting administrator rights of one of the clients. For example, user A requests user B a password for the administrator authority of client 2.

When receiving the first data request, the user B requests the first service party to open the data certificate through the second server platform. The administrator password of the user B is saved in the second service party, and the importance level of the corresponding administrator authority is different for each client. For example, client 1 is a company server, client 2 is a tablet, and client 3 is a personal computer. Therefore, the importance level of the administrator authority of the client 1 needs to be set to be the highest, the importance level of the administrator authority of the client 3 is second, and the importance level of the administrator authority of the client 2 is the last. When User B agrees to hand over the administrator rights of Client 2 to User A, the corresponding data credentials are provided to the first service party. The data credential may be an operation log when the user B manages the client 2 to prove the security and reliability of the user B.

When the first service party receives the data certificate submitted by the user B, the user B's administrator authority to the client 2 is frozen according to the related content of the data certificate, that is, the user B cannot manage the client 2 by using the corresponding password. At the same time, the second server sends the password of the administrator authority of the client 2 to the user A according to the data certificate sent by the first server. And, the second server can set the time when the user A returns the administrator authority of the client 2. For example, the second servant sets user A to return the admin rights of client 2 to user B within one month.

When user A returns the administrator rights of client 2 to the second server in one month, the first server unfreezes user B's administrator rights to client 2, and user A will no longer be able to use the corresponding The password manages client 2. When user A does not return the administrator rights of client 2 to the second server at the expiration of one month, the second service sends a notification to user A to prompt him to return the administrator rights. If the second service party does not receive the administrator authority of the client 2 returned by the user A, the administrator authority of the user B to the client 2 is completely cancelled.

In the above, when the user B (data initiator) receives the request of the user A (data requester) to obtain the administrator authority password of the client 2, the first service party notifies the second service party to the client according to the data credential submitted by the user B. The administrator password of terminal 2 is sent to user A. On the one hand, the process in which user B hands over the administrator authority to user A is risk-controlled through the service party, and the data certificate of user B is required as a guarantee so that the administrator authority is not arbitrarily transferred. On the other hand, when user A returns or fails to return the administrator authority on time, the service party can notify user A to promptly return or cancel the administrator authority of user B, thereby ensuring that the administrator authority of the client is only one, thereby not causing the client's data. Management confusion and the risk of avoiding client-side data security.

Further, the requested data may also be text data, audio data, video data, program data, or financial data in the financial field. If it is capital data, such as funds, then the data requester is the borrower, and the data initiator is The loan requester, the server is a fund management server, for example, a bank. If it is audio data, such as a song, the data requester and the data originator may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.

FIG. 8 is a data interaction processing method according to a second embodiment of the present invention. The method flow shown in the implementation manner includes:

In step S50, the first server receives the data voucher open request submitted by the data initiator according to the data requester of the data requester. The data request initiates a request for the data requestor to add a first data value to its data unit.

Specifically, the data requester initiates a data request requiring the first data through the first server platform. The data initiator applies to the service party through the second server platform to issue a data certificate corresponding to the first data value.

Step S51: Generate a data voucher according to the data voucher open application, and lock the first data in the data unit of the data initiator that is equal to the data value requested by the data requester.

Step S52: Send the data voucher to the second server, and after the second server receives the data voucher, add a data value equal to the first data size to the data requester data unit.

The second server is configured to add a data value equal to the first data size to the second server data unit within a predetermined time.

Referring to FIG. 9, a data interaction processing method according to a third embodiment of the present invention, the method flow shown in the implementation manner includes:

In step S60, the second server receives the data certificate. The data credential is generated by the first servant receiving the data credential open request submitted by the data originator according to the data requester's data request, and the data request is initiated by the data requester to add the first data to the data unit. Request for value.

Step S61, adding a data value equal to the first data size to the data requester data unit. The first data is data that the first servant locks the data unit of the data initiator that is equal to the data value requested by the data requester.

Please refer to FIG. 10 and FIG. 11 simultaneously, which are schematic structural diagrams of a data interaction processing system according to an embodiment of the present invention. The system 70 shown in this embodiment includes a data requesting terminal 71, a data originating terminal 72, a first server 73, and a second server.

The data requesting terminal 71 is configured to initiate a data request that requires the addition of a first data value to its data unit.

The data requesting terminal 71 initiates a data request requiring the first data through the first server platform.

The data originating terminal 72 is configured to receive a data request of the data requester and submit a data voucher opening request to the service party.

Specifically, the data originating terminal 72 applies to the first server 73 through the second server platform to issue a data credential corresponding to the first data value.

Further, the first server platform and the second server platform may be an e-commerce platform, and the data requesting terminal 71 may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, where the data is initiated. The terminal 72 opens the data voucher by responding to the data request by the e-commerce platform.

The first server 73 is configured to generate a data credential according to the data credential open application, and lock the first data in the data unit of the data initiator that is equal to the data value requested by the data requesting terminal 71.

After receiving the data credential, the second server 74 adds a data value equal to the first data size to the data requestor data unit. The second server is configured to add a data value equal to the first data size to the second server data unit within a predetermined time.

FIG. 12 is a data interaction processing apparatus according to the first embodiment of the present invention. The data interaction processing apparatus 80 shown in this embodiment includes a receiving module 81, a processing module 82, and a issuing module 83. In the present embodiment, the device 80 operates in a banking system.

The receiving module 81 is configured to receive a data voucher open request submitted by the data initiator according to the data requester of the data requestor. The data request initiates a request for the data requestor to add a first data value to its data unit.

Specifically, the receiving module 81 receives the data certificate opened by the data originating terminal through a server platform.

The processing module 82 is configured to generate a data credential according to the data credential open application, and lock the first data in the data unit of the data originator that is equal to the data value requested by the data requester.

The issuance module 83 is configured to send the data voucher to the second server, and after the second server receives the data voucher, add a data value equal to the first data size to the data requester data unit.

Wherein, the device is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.

Referring to FIG. 13, a data interaction processing apparatus according to a second embodiment of the present invention includes a receiving module 91 and a issuing module 92. In the present embodiment, the device 90 operates in a banking system.

The receiving module 91 is configured to receive a data credential. The data credential is generated by the first servant receiving the data credential open request submitted by the data originator according to the data requester's data request, and the data request is initiated by the data requester to add the first data to the data unit. Request for value.

The issuance module 92 is configured to add a data value equal to the first data size to the data requestor data unit. The first data is data that the first servant locks the data unit of the data initiator that is equal to the data value requested by the data requester.

In the data interaction processing method, the data interaction system, and the data processing apparatus provided by the present invention, when the data originator initiates a data request that needs to add a first value to its data unit, the first The service party opens the data certificate according to the request of the data initiator, and locks the corresponding first data, so that the second service party adds the value of the first data to the data requester according to the data certificate, and requests the data requester to be within the predetermined time. The value of the first data is added to the second servant data unit. Therefore, in the data interaction process, the first and second service parties are added to the interaction process, and the data originator sends the credit guarantee to the service party to make the service party become the actual data issuer, thereby making the data interaction processing more convenient. ,Safety.

In the above-described embodiments, the present invention has been exemplarily described, and various modifications of the present invention may be made without departing from the spirit and scope of the invention.

Claims

An online lending method, wherein the method comprises the following steps:

The first participant submits a loan request;

The second participant receives the loan request of the first participant, and then submits a credit certificate opening application to the first fund management server;

The first fund management server generates a credit certificate according to the credit certificate opening application, and then freezes funds of the second participant that are equal to the first participant's loan amount, and sends the credit certificate to the Second fund management server;

After receiving the credit certificate, the second fund management server issues funds equal to the frozen funds to the first participant;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant;

The first fund management server is an account management server of the second participant,

The second fund management server is an account management server of the first participant.
The online lending method according to claim 1, wherein the step of the first participant submitting the loan request is specifically:

The first participant initiates the loan request through a server platform;

After the second participant receives the loan request of the first participant, the step of submitting the credit certificate opening application to the first fund management server is specifically:

The second participant receives the loan request through the server platform, and submits a credit certificate opening application to the first fund management server.
The online lending method according to claim 1, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank; The funds are the deposit of the second participant in the first fund management server, or the first fund management server gives the second participant a credit line, or the second participant is in the first The funds corresponding to the real estate mortgaged by the fund management server.
The online lending method according to claim 2, wherein the first money management server is a fund management server of the first bank, and the second money management server is a money management server of the second bank; the frozen The funds are the deposit of the second participant in the first fund management server, or the first fund management server gives the second participant a credit line, or the second participant is in the first The funds corresponding to the real estate mortgaged by the fund management server.
The online lending method according to claim 1, wherein said first money management server and said second money management server are the same money management server.
An online lending method, wherein the method comprises:

The first fund management server receives an application for opening a credit certificate submitted by the second participant according to the loan request of the first participant;

Generating a credit certificate according to the credit certificate opening application, and freezing funds of the second participant that are equal to the first participant's loan amount;

Sending the credit certificate to the second fund management server, so that after receiving the credit certificate, the second fund management server issues funds equal to the frozen funds to the first participant;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant.
An online lending method, wherein the method comprises:

Receiving, by the second fund management server, the credit certificate, wherein the first voucher is generated by the first fund management server to receive a credit certificate opening application submitted by the second participant according to the borrowing request of the first participant;

Distributing funds equal to the frozen funds to the first party; wherein the frozen funds are the first fund management server to freeze the funds of the second party that are equal to the first party ;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant.
A data interaction processing method, wherein the method comprises:

The data requestor initiates a data request that needs to add a first data value to its data unit;

The data initiator receives the data request of the data requester and submits a data voucher open application to the first service party;

The first server creates a data voucher according to the data voucher open application, and locks first data in the data unit of the data initiator that is equal to the data value requested by the data requester, and the data credential Sent to the second servant;

After receiving the data credential, the second server adds a data value equal to the first data size to the data requester data unit; wherein the second service party is set within a predetermined time The data requestor shall add a data value equal to the first data size to the second servant data unit.
A data interaction processing method, wherein the method comprises:

The first servant receives a data voucher open request submitted by the data originator according to the data requester's data request; wherein the data request initiates a request for the data requestor to add a first data value to its data unit;

Generating a data voucher according to the data voucher open application, and locking first data in a data unit of the data initiator that is equal to a data value requested by the data requestor;

Sending the data voucher to the second server, and after the second server receives the data voucher, adding a data value equal to the first data size to the data requester data unit;

The second server provides that the data requestor should add a data value equal to the first data size to the second server data unit within a predetermined time.
A data interaction processing method, wherein the method comprises:

The second server receives the data voucher; wherein the data voucher is generated by the first server receiving the data voucher opening request submitted by the data initiator according to the data requester of the data requestor, where the data request is the data request The party initiates a request to add a first data value to its data unit;

Adding a data value equal to the first data size to the data requestor data unit; wherein the first data is in the data unit of the data originator and the data requester is locked by the first server Data with equal data values requested;

The second server provides that the data requestor should add a data value equal to the first data size to the second server data unit within a predetermined time.
A data interaction processing system, wherein the system comprises:

a data requesting terminal, configured to initiate a data request that needs to add a first data value to its data unit;

a data originating terminal, configured to receive a data request of the data requester, and submit an application for opening a data credential to the service party;

a first server, configured to generate a data credential according to the data credential open application, and lock the first data in the data unit of the data initiator that is equal to the data value requested by the data requester;

a second server, after receiving the data voucher, adding a data value equal to the first data size to the data requestor data unit; wherein the second service party is set to be within a predetermined time The data requestor shall add a data value equal to the first data size to the second servant data unit.
A data interaction processing device, wherein the device comprises:

a receiving module, configured to receive a data voucher open request submitted by the data initiator according to the data requester of the data requester; wherein the data request initiates a request for the data requestor to add a first data value to the data unit;

a processing module, configured to generate a data credential according to the data credential open application, and lock the first data in the data unit of the data initiator that is equal to the data value requested by the data requestor;

a issuing module, configured to send the data credential to the second servant, and after the second servant receives the data credential, add an equal size to the first data to the data requestor data unit Data value

Wherein the device is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.
A data interaction processing device, wherein the device comprises:

a receiving module, configured to receive a data credential; wherein the data credential is generated by the first serving party receiving the data credential opening request submitted by the data initiating party according to the data requester of the data requesting party, where the data request is the data request The requesting party initiates a request to add a first data value to its data unit;

a issuing module, configured to add a data value equal to the first data size to the data requestor data unit; wherein the first data is locked in the data unit of the data initiator by the first server The data requested by the data requester is equal in value;

Wherein the device is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.