WO2016191924A1 - Online lending method, and data interaction processing method, device and system - Google Patents

Abstract

Disclosed are an online lending method, and a data interaction processing method, device and system. The online lending method comprises: a second participant and a third participant respectively receive a borrowing request of a first participant, and respectively submit an application to open a credit certificate to a first funds management server; the first funds management server generates a corresponding first credit certificate and a corresponding second credit certificate, and freezes first funds of the second participant which are equal to a first credit certificate borrowing limit and second funds of the third participant which are equal to a second credit certificate borrowing limit; according to the first and second credit certificates, a second funds management server grants funds to the first participant which are equal to the first and second funds, and also sets a repayment time for the granted funds, and monitors 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

[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.

 【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.

 [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; and a second participant and a third participant respectively receiving a loan request of the first participant, and then respectively The fund management server submits a credit certificate opening application; the first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the second participant and the The first credit is equal to the first fund and the second fund of the third party equal to the second credit voucher is frozen, and the first credential and the second credential are sent to a second fund management server; wherein a sum of a loan amount of the first credit voucher and the second credit voucher is equal to a loan amount requested by a borrower of the first participant; the second fund management server receives After the first credential and the second credential, the first participant is issued with funds equal to the first fund and the second An equal amount of funds; wherein 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 the a second party and an account management server of the third party, the second money management server being an account management server of the first party.

Another online lending method provided by the present invention includes: the first fund management server receives the opening of the credit certificate proposed by the second participant and the third participant according to the first party submitting the first loan request respectively Applying, generating, according to the credit certificate opening application, a corresponding first credential and a second credential, and then freezing the first fund and the freezing station of the second party that are equal to the borrowing amount of the first credential Determining, in the third participant, a second fund equal to the borrowing amount of the second credit certificate; and transmitting the first credential and the second credential to the second fund management server to enable the second fund management After receiving the first credential and the second credential, the server issues funds equal to the first fund and funds equal to the second fund to the first participant; wherein the second The 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 the Participants and third party account management server, the second fund management server is the first participant in the account management server.

Another online loan method provided by the present invention, the method includes: the second fund management server receives the first credit certificate and the second credit certificate; wherein the first credit certificate and the second credit certificate are the first funds The management server receives correspondingly generated by the second participant and the third participant according to the credit certificate opening application submitted by the first participant to submit the first loan request; and issues the first to the first participant An funds of equal funds and funds equal to the second funds; wherein the second money management server sets a time for repayment 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 third participant, and the second fund management server is an account management server of the first participant.

In the above online lending method, the second and third parties apply to the first fund management server to open a credit certificate when receiving the loan request of the first party, and the first fund management server freezes the corresponding fund, and the second fund management The server issues the frozen funds to the first party based on the credentials. Therefore, the fund management server is used as an intermediary platform of the three participants, and the second and third parties are 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 The participant makes the loan through the online; in addition, the second fund management server monitors the repayment date of the first participant, 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 present invention provides a data interaction processing method, the method comprising: a data requestor proposing a first data request that needs to add a first data value to a data unit; the first data initiator and the second data initiator respectively receive the Determining a first data request, and submitting a data voucher open request to the first service party respectively; the first service party generates a corresponding first data voucher and a second data voucher according to the data voucher open application, and the The first data of the data unit of the first data initiator that is equal to the data value represented by the first data voucher and the data unit of the second data initiator are equal to the data value represented by the second data voucher. The second data, and the first data credential and the second data credential are sent to the second service party; after the second service party receives the first data credential and the second data credential, the data is sent to the data Adding, in the requester data unit, a data value equal to the first data size and a data value equal to the second data size; wherein the second service side is set Within a predetermined time said data requestor should the second service data unit increases party data value and the first and second data is equal to the sum of the sizes.

The present invention provides a data interaction processing method, the method includes: receiving, by a first service party, a first data initiating party and a second data initiating party to open a data credential application according to the first data request; wherein The first data request initiates a request for the data requester to add a first data value to the data unit; and generates a corresponding first data credential and a second data credential according to the data credential open request, and the first data is triggered to be initiated The first data in the data unit that is equal to the data value represented by the first data voucher and the data value in the data unit that locks the second data initiator are equal to the data value value represented by the second data voucher. Transmitting the first data credential and the second data credential to the second server, and causing the second server to receive the first data credential and the second data credential Adding a data value equal to the first data size and a data value equal to the second data size in the requester data unit; wherein the second service Setting the data request side party within a predetermined time party should the second service data unit to increase the data value and the first and second data is equal to the sum of the sizes.

The present invention provides a data interaction processing method, the method comprising: a second service party receiving a first data credential and a second data credential; wherein the first data credential is a first serving party receiving the first data originator And generating, by the first data request, the second data voucher is generated by the first service party receiving the data voucher opening application filed by the second data initiator according to the first data request. The first data request initiates a request for the data requestor to add a first data value to its data unit; and adds a data value equal to the first data size to the data requestor data unit and The second data size is equal to the data value; wherein the second server is set to increase the sum of the first data and the second data to the second server data unit within a predetermined time Equally sized data values.

The present invention provides a data interaction processing system, the system comprising: a data requesting terminal for proposing a first data request for adding a first data value to a data unit thereof; and a first data originating terminal for receiving The first data request, and submit a first data voucher open application; the second data originating terminal is configured to receive the first data request, and submit a second data voucher open application; the first server, And generating a corresponding first data credential and a second data credential according to the first data credential open application and the second data credential open application, and locking the first data in the data unit of the first data originating terminal The first data having the same data value represented by the voucher and the second data in the data unit of the second data originating terminal that is equal to the data value represented by the second data voucher; and the second server for receiving After the first data credential and the second data credential, adding a data value equal to the first data size to the data request terminal data unit and And the second data is equal in size; wherein the second server is configured to increase the sum of the first data and the second data to the second server data unit within a predetermined time. Equal data values.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a data credential open application submitted by the first data originating terminal and the second data originating terminal respectively according to the first data request; The first data request initiates a request for the data requesting terminal to add a first data value to the data unit; the processing module is configured to generate a corresponding first data credential and a second data credential according to the data credential opening request, and lock The first data of the data unit of the first data originating terminal that is equal to the data value represented by the first data credential and the data unit that is locked by the second data originating terminal and the second data credential And second data of equal data value values; and an issuing module, configured to send the first data credential and the second data credential to the second server, so that the second server receives the first data credential and the After the data voucher, adding a data value equal to the size of the first data to the data requesting terminal data unit and a second data size equal to the data value; wherein the second server is set to increase the size of the first data and the second data sum to the second server data unit within a predetermined time Data value.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a first data credential and a second data credential; wherein the first data credential is a first server receiving a first data originating terminal And the second data voucher is generated by the first server receiving the data voucher opening request submitted by the second data initiating terminal according to the first data request, where the second data voucher is generated according to the first data request. The first data request is a request for the data requesting terminal to initiate a first data value to be added to the data unit; and a issuing module, configured to add data equal to the first data size to the data requesting terminal data unit a value and a data value equal to the second data size; wherein the second server is configured to add the first data and the second data unit to the second server data unit within a predetermined time Data values with equal data sums.

In the above data interaction processing method, data interaction system, and data processing apparatus, when the first data requester and the data originator initiate a data request that needs to add a value to the data unit, the first service party is The data originator's request opens the data voucher and locks the corresponding first data and the second data, so that the second service party adds the values of the first data and the second data to the data requester according to the data voucher, and requests the data request The party adds the values of the first data and the second data to the second servant data unit within a predetermined time. 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.

 [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.

【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.

In step S11, the second participant and the third participant respectively receive the loan request of the first participant, and then submit the credit certificate opening application to the first fund management server respectively.

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.

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 and the third participant respectively receive the loan request of the first participant, and then submit the application for opening the credit certificate to the first fund management server respectively, which is specifically implemented by the following steps:

In step S11a, the second participant and the third participant respectively receive the loan request through the server platform, and submit a credit certificate opening application to the first fund management server.

The second and third parties may also access the server platform to find and receive the borrowing request of the first party.

Step S12, the first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the first fund in the second participant that is equal to the first credit certificate loan amount. And freezing the second fund in the third participant that is equal to the second credit certificate loan amount, and sending the first credit certificate and the second credit certificate to the second fund management server. The sum of the loan amount of the first credit certificate and the second credit certificate is equal to the loan amount requested by the borrower of the first participant.

Step S13: After receiving the first credential and the second credential, the second fund management server issues funds equal to the first fund and funds equal to the second fund 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.

The first fund management server is an account management server of the second participant and the third 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 credits of the second party and the third party respectively, the deposits of the second party and the third party respectively at the first fund management server, or the first fund management server, Or the second party and the third party respectively correspond to the funds corresponding to the real estate mortgaged by the first fund management server.

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

Further, in this embodiment, the first participant is a borrower, and the second and third participants are loan initiators.

For example, the borrower issues a loan request with a loan of 100,000, and the first loan originator and the second loan initiator respectively apply to the first bank to present the first credit certificate and the second credit certificate after receiving the loan request. Among them, the value of the first credit certificate is equivalent to 20,000, and the value of the second credit certificate is equivalent to 80,000. Or, the value of the first credit certificate is equivalent to 60,000, and the value of the second credit certificate is equivalent to 40,000. In short, the sum of the value of the first and second credit certificates is guaranteed to be equivalent to 100,000. The first bank freezes the funds of the loan originator in the first bank, wherein the value of the frozen funds is equal to the sum of the values of the first and second credit certificates. For example, the 20,000 of the first loan originator in the bank deposit and the 80,000 of the second loan originator in the bank deposit are respectively frozen as the guarantee of the loan originator. The bank then issued 180,000 funds to the borrower, at which point the borrower’s loan was 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 lender’s account and belong to the loan originator. Greatly reduced, and because the 100,000 deposits still belong to them, 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 loan initiator'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 loan process can be guaranteed to a certain extent. Successful completion. 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 and third parties apply to the first fund management server to open the credit certificate 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 according to the credit The voucher issues the frozen funds to the first party. Therefore, the fund management server is used as an intermediary platform of the three participants, and the second and third parties are 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 Participants 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 and the third participant according to the first party submitting the first loan request.

Step S21, generating a corresponding first credential and a second credential according to the credential open application, and then freezing the first fund equal to the borrowing amount of the first credential of the second participant and freezing the third The second fund of the participant's loan amount equal to the second credit certificate.

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. The bank (seller) downloads the access interface to sell the silver letter certificate, and the loan originator (buyer) conducts the issuance of the bank letter certificate, and the bank performs the certificate and performs the contract, submits the payment, and finally the bank letter is automatically settled upon expiration. The bank letter can be used not only for the purchase of goods, but also for mortgage guarantees. For example, an individual can issue a letter of credit to a bank as a guarantee for lending to others.

Step S22, the first credential and the second credential are sent to the second fund management server, so that the second fund management server receives the first credential and the second credential, and then issues the first credential and the second credential to the first participant. Funds equal to the first fund and funds equal to the second fund.

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 and third parties, 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 deposits of the second and third parties respectively at the first fund management server, or the first fund management server respectively, the second or third parties' credit lines, or the second and third participations. The funds corresponding to the real estate mortgaged by the first fund management server.

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

Further, in this embodiment, the first participant is a borrower, and the second and third participants are loan initiators.

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:

Step S30, the second fund management server receives the first credit certificate and the second credit certificate. The first credential and the second credential are respectively generated by the first fund management server, and the second party and the third party respectively generate an application for opening a credit certificate according to the first party submitting the first loan request. of.

Step S31, issuing funds equal to the first fund and funds equal to the second 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.

The first fund management server is an account management server of the second participant and the third 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 deposits of the second and third parties respectively at the first fund management server, or the first fund management server respectively, the second or third parties' credit lines, or the second and third participations. The funds corresponding to the real estate mortgaged by the first fund management server.

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

Further, in this embodiment, the first participant is a borrower, and the second and third participants are loan initiators.

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 proposes a first 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 first data initiator and the second data initiator respectively receive the first data request, and respectively submit a data certificate opening application to the first service party.

Specifically, the first data initiator and the second data initiator respectively apply for opening data credentials to the service party through the second server platform.

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, where the first data initiator And the second data initiator separately issues the data certificate by using the e-commerce platform to respond to the data request.

Step S42, the first service party generates a corresponding first data voucher and a second data voucher according to the data voucher open application, and locks the data value represented by the first data voucher in the data unit of the first data initiator. Equal first data and second data in the data unit of the second data originator that is equal to the data value represented by the second data credential, and sending the first data credential and the second data credential to the second service square.

Step S43, after receiving the first data credential and the second data credential, the second server adds a data value equal to the first data size and the same as the second data size to the data requestor data unit. Data value. The second servant is set to increase the data value equal to the sum of the first data and the second data to the second servant 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, the first data initiator is user B1, and the second data initiator is user B2. Users B1 and B2 act as administrators of multiple clients at the same time, and each client has a corresponding password for each client, and the two passwords can be combined to perform administrator rights. 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. When the user A initiates a data request requiring the first data through the first server platform, the first data is a password for requesting the administrator authority of the client 2 therein.

When the users B1 and B2 receive the data request, the first server and the second data certificate are applied to the first server through the second server platform. The administrator passwords of the users B1 and B2 are saved in the second service party, and the importance level of the corresponding administrator authority is different for each client. For example, the client 1 is a company server, the client 2 is a tablet computer, the client terminal 3 is a personal computer, the client terminal 4 is a mobile phone, and the client terminal 5 is a smart TV. Therefore, the importance level of the administrator rights of the client needs to be set from high to low: client 1, client 3, client 2, client 4, and client 5. When the users B1, B2 agree to hand over the administrator rights of the client 2 to the user A, the corresponding data credentials are provided to the first service party. The data credential may be an operation log when the user B1 and the B2 manage the client 2 to prove the security and reliability of the users B1 and B2.

When the first service party receives the data credentials submitted by the users B1 and B2, the user rights of the user B1 and the B2 are frozen according to the related content of the data certificate, that is, the users B1 and B2 cannot use the corresponding password pair. Client 2 manages. At the same time, the second server sends the two passwords of the administrator authority of the client 2 to the user A simultaneously according to the data certificate sent by the first server. Moreover, the second server can set the time for the user A to return the two passwords of the administrator authority of the client 2, and the deadlines for returning the two passwords may be the same or different. For example, the second service provider sets the user A to return the administrator authority of the client 2 to the user B1 within one month, and needs to return the administrator authority of the client 2 to the user B2 within 4 months. .

When user A returns the administrator rights of the corresponding client to the second server within the specified time, the first server releases the administrator rights of the users B1 and B2 to the client 2, and the user A can no longer use the corresponding authority. The password is managed by Client 2. When user A does not return the administrator authority of the client to the second server within the specified time, the second service sends a notification to user A to prompt him to return the administrator authority. If the service party does not receive the administrator rights of the client returned by user A, the administrator rights of the user B1 and B2 to the client 2 are completely cancelled.

In the above, when the user B1, B2 (data initiator) receives the request of the user A (data requester) to obtain the administrator authority password of the corresponding client, the first service party notifies the second service according to the data credentials submitted by the user B1, B2. The client sends the client's administrator password to User A. On the one hand, the process in which the users B1 and B2 hand over the administrator authority to the user A carries out risk management and control through the service party, and the data credentials of the users B1 and B2 are required as guarantees so that the administrator rights are 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 rights of users B1 and B2, thereby ensuring that only one administrator authority per client does not Causes confusion in the data management of the client and avoids the risk of client 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 service party receives the data voucher application submitted by the first data initiator and the second data initiator respectively according to the first data request. The first data request initiates a request for the data requestor to add a first data value to its data unit.

Specifically, the data requester initiates the first data request through the first server platform. The first data initiator and the second data initiator respectively apply to the service party to open corresponding data credentials through the second server platform.

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 S51, generating a corresponding first data voucher and a second data voucher according to the data voucher open application, and locking the first data in the data unit of the first data initiator that is equal to the data value represented by the first data voucher And locking the second data in the data unit of the second data initiator that is equal to the value of the data value represented by the second data credential.

Step S52, the first data credential and the second data credential are sent to the second service party, so that after the second service party receives the first data credential and the second data credential, the second data credential is added to the data requestor data unit. A data value equal to the first data size and a data value equal to the second data size. The second servant is set to increase the data value equal to the sum of the first data and the second data to the second servant 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:

Step S60, the second server receives the first data certificate and the second data certificate. The first data credential is generated by the first servant receiving the data credential open request submitted by the first data initiator according to the first data request, where the second data credential is the first servant receiving the second data initiator The first data request is initiated by the data requestor to initiate a request to add a first data value to its data unit based on the data voucher open request filed by the first data request.

Step S61, adding a data value equal to the first data size and a data value equal to the second data size to the data requestor data unit. The second servant is set to increase the data value equal to the sum of the first data and the second data to the second servant data unit within a predetermined time.

Please refer to FIG. 10 and FIG. 11 simultaneously, which are schematic structural diagrams of a terminal-type data interaction processing system according to the present invention. The system 70 shown by the implementation terminal includes a data requesting terminal 71, a first data originating terminal 72, a second data originating terminal 73, a first server 74, and a second server 75.

The data requesting terminal 71 is for presenting a first data request that needs to add a first data value to its data unit.

The first data originating terminal 72 is configured to receive the first data request and submit a first data credential opening application.

The second data originating terminal 73 is configured to receive the first data request and submit a first data credential opening application.

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

The first data originating terminal 72 and the second data initiating terminal 73 are configured to receive the first data request and submit a data credential opening application separately.

Specifically, the first data initiating terminal 72 and the second data initiating terminal 73 respectively apply to the first server 74 to open corresponding data credentials through the second server platform.

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 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, the first The data initiating terminal 72 and the second data initiating terminal 73 respectively issue data credentials by the e-commerce platform in response to the data request.

The first server 74 is configured to generate a corresponding first data credential and a second data credential according to the first data credential open application and the second data credential open application, and lock the data unit of the first data initiating terminal 72 with The first data corresponding to the data value represented by the first data voucher and the second data in the data unit of the second data originating terminal 73 that are equal to the data value represented by the second data voucher.

After receiving the first data credential and the second data credential, the second server 75 adds a data value equal to the first data size and a data equal to the second data size to the data request terminal 71 data unit. value. Wherein, the second server 75 is set to increase the data value equal to the sum of the first data and the second data to the data unit of the second server 75 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 credential opening application submitted by the first data initiating terminal and the second data initiating terminal according to the first data request. The first data request initiates a request for the data requesting terminal 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 corresponding first data credential and a second data credential according to the data credential open application, and lock the data unit of the first data originating terminal that is equal to the data value represented by the first data credential. The first data and the second data in the data unit of the second data originating terminal that is equal to the value of the data value represented by the second data credential.

The issuing module 83 is configured to send the first data credential and the second data credential to the second server, and after the second server receives the first data credential and the second data credential, request the data in the terminal data unit A data value equal to the first data size and a data value equal to the second data size are added. The second server is configured to add a data value equal to the sum of the first data and the second data 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 the first data credential and the second data credential. The first data credential is generated by the first server receiving the first data initiating terminal according to the first data request, and the second data credential is the first server receiving the second data initiating the terminal according to the The first data request is generated by the data credential open request submitted by the first data request, and the first data request initiates a request for the data request terminal to add a first data value to its data unit.

The issuing module 92 is configured to add a data value equal to the first data size and a data value equal to the second data size to the data request terminal data unit. The second server is configured to add a data value equal to the sum of the first data and the second data to the second server data unit within a predetermined time.

In the data interaction processing method, the data interaction system, and the data processing apparatus provided by the present invention, when the first data requester and the data originator initiate a data request that needs to add a value to the 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 and the second data, so that the second service party adds the values of the first data and the second data to the data requester according to the data certificate, and The data requestor is required to add the values of the first data and the second data to the second servant data unit within a predetermined time. 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 (13)

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

   The first participant submits a loan request;

   The second participant and the third participant respectively receive the loan request of the first participant, and then submit an application for opening the credit certificate to the first fund management server respectively;

   The first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the first of the second participants that is equal to the first credit certificate loan amount And the second fund of the third party equal to the second credit certificate loan amount is frozen, and the first credential and the second credential are sent to the second fund management server; wherein The sum of the loan amount of the first credit certificate and the second credit certificate is equal to the loan amount requested by the borrower of the first participant;

   After receiving the first credential and the second credential, the second fund management server issues funds equal to the first fund and funds equal to the second 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;

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

   The second fund management server is an account management server of the first participant.
2. 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;

   The step of the second participant and the third participant respectively receiving the loan request of the first participant, and then submitting the application for opening the credit certificate to the first fund management server respectively is specifically:

   The second participant and the third participant respectively receive the loan request through the server platform, and submit a credit certificate opening application to the first fund management server.
3. 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 credits of the second participant and the third party respectively for the deposit of the second party and the third party respectively at the first fund management server or the first fund management server The amount, or the funds corresponding to the real estate mortgaged by the first fund management server and the second party and the third party respectively.
4. 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 credits of the second participant and the third party respectively for the deposit of the second party and the third party respectively at the first fund management server or the first fund management server The amount, or the funds corresponding to the real estate mortgaged by the first fund management server and the second party and the third party respectively.
5. 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.
6. An online lending method, wherein the method comprises:

   The first fund management server receives, by the second participant and the third participant, an application for opening a credit certificate according to the first party submitting the first loan request;

   Generating a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezing the first funds in the second participant that are equal to the first credit certificate and freezing the first a second fund equal to the borrowing amount of the second credit certificate among the three participants;

   Sending the first credential and the second credential to the second fund management server, and after the second fund management server receives the first credential and the second credential, to the first party Issuing funds equal to the first funds and funds equal to the second funds;

   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 third participant,

   The second fund management server is an account management server of the first participant.
7. An online lending method, wherein the method comprises:

   The second fund management server receives the first credential and the second credential; wherein the first credential and the second credential are the first fund management server receiving the second participant and the third participant respectively according to the first participation Generated by the party submitting the first loan request and submitting the application for the opening of the credit certificate;

   Granting funds equal to the first funds and funds equal to the second 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 third participant,

   The second fund management server is an account management server of the first participant.
8. A data interaction processing method, wherein the method comprises:

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

   The first data initiator and the second data initiator respectively receive the first data request, and respectively submit a data voucher opening application to the first service party;

   The first servant generates a corresponding first data voucher and a second data voucher according to the data voucher open application, and locks data represented by the first data creator and the first data voucher And the first data having the same value and the second data in the data unit of the second data initiator that is equal to the data value represented by the second data voucher, and sending the first data voucher and the second data voucher to Second service party;

   After receiving the first data credential and the second data credential, the second server adds a data value equal to the first data size and the second data size to the data requestor data unit. An equal data value; wherein the second server is set to increase the data value equal to the sum of the first data and the second data to the second server data unit within a predetermined time .
9. A data interaction processing method, wherein the method comprises:

   Receiving, by the first service party, the data vouchers submitted by the first data initiator and the second data initiator respectively according to the first data request; wherein the first data request initiates a need for the data requester to add to the data unit a request for a data value;

   And generating, according to the data voucher opening application, a corresponding first data voucher and a second data voucher, and locking the first data in the data unit of the first data initiator that is equal to the data value represented by the first data voucher And locking second data in the data unit of the second data originator that is equal to a value of the data value represented by the second data credential;

   Sending the first data credential and the second data credential to the second service party, so that after the second service party receives the first data credential and the second data credential, the data requester is in the data unit And increasing a data value equal to the first data size and a data value equal to the second data size; wherein the second service party is set to be in the predetermined time by the data requester to the second The servant data unit adds a data value equal to the sum of the first data and the second data.
10. A data interaction processing method, wherein the method comprises:

    Receiving, by the second server, the first data voucher and the second data voucher; wherein the first data voucher is generated by the first service party receiving the data voucher opening application filed by the first data initiator according to the first data request, The second data credential is generated by the first servant receiving the data credential open request submitted by the second data initiator according to the first data request, where the first data request is initiated by the data requester to the data requestor a request to increase the first data value by the unit;

    Adding to the data requestor data unit a data value equal to the first data size and a data value equal to the second data size; wherein the second service party sets the data within a predetermined time The requesting party shall add a data value equal to the sum of the first data and the second data sum to the second servant data unit.
11. A data interaction processing system, wherein the system comprises:

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

    a first data originating terminal, configured to receive the first data request, and submit a first data credential opening application;

    a second data originating terminal, configured to receive the first data request, and submit a second data credential opening application;

    a first server, configured to generate a corresponding first data credential and a second data credential according to the first data credential open application and the second data credential open application, and lock the data unit of the first data originating terminal The first data having the same data value represented by the first data voucher and the second data in the data unit of the second data originating terminal that is equal to the data value represented by the second data voucher; and

    a second server, after receiving the first data credential and the second data credential, adding a data value equal to the first data size to the data requesting terminal data unit and equal to the second data size The data value; wherein the second server is set to increase the data value equal to the sum of the first data and the second data to the second server data unit within a predetermined time.
12. A data interaction processing device, wherein the device comprises:

    a receiving module, configured to receive a data credential open application submitted by the first data initiating terminal and the second data initiating terminal according to the first data request, where the first data request is initiated by the data requesting terminal to be added to the data unit a request for a first data value;

    a processing module, configured to generate a corresponding first data credential and a second data credential according to the data credential open application, and lock the data value represented by the first data credential in the data unit of the first data originating terminal Equal first data and second data in a data unit of the second data originating terminal that is equal to a value of a data value represented by the second data credential; and

    a issuing module, configured to send the first data credential and the second data credential to the second server, and after the second server receives the first data credential and the second data credential, request the terminal to the data Adding a data value equal to the first data size and a data value equal to the second data size in the data unit; wherein the second server is set to the data requesting terminal to be in the predetermined time The second server data unit adds a data value equal to the sum of the first data and the second data.
13. A data interaction processing device, wherein the device comprises:

    a receiving module, configured to receive the first data credential and the second data credential; wherein the first data credential is generated by the first server receiving the data credential opening application submitted by the first data initiating terminal according to the first data request, The second data credential is generated by the first server receiving the second data initiating terminal according to the data credential opening request filed by the first data request, where the first data request is initiated by the data requesting terminal to the data unit a request to increase the first data value;

    a issuing module, configured to add, to the data requesting terminal data unit, a data value equal to the first data size and a data value equal to the second data size; wherein the second server is set at a predetermined time The data requesting terminal should add a data value equal to the sum of the first data and the second data to the second server data unit.