WO2016191925A1 - 线上借贷方法、数据交互处理方法、装置及系统 - Google Patents
线上借贷方法、数据交互处理方法、装置及系统 Download PDFInfo
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- WO2016191925A1 WO2016191925A1 PCT/CN2015/080256 CN2015080256W WO2016191925A1 WO 2016191925 A1 WO2016191925 A1 WO 2016191925A1 CN 2015080256 W CN2015080256 W CN 2015080256W WO 2016191925 A1 WO2016191925 A1 WO 2016191925A1
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- request
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Definitions
- the present invention relates to the field of credit, and in particular to a lending method, a data interaction processing method, apparatus and system.
- 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.
- the invention provides an online lending method, the method comprising: a first party and a second party respectively submit a first loan request and a second loan request; and the third party receives the first loan request and the Determining the second loan request, the fourth participant receives the first loan request and the second loan request, and then the third participant and the fourth participant respectively submit the first credit to the first fund management server
- the voucher opening application and the second credential voucher opening application the first fund management server generates a corresponding first credential and a second credential according to the first credential opening application, according to the second credential Opening the application to generate a corresponding third credential and a fourth credential, and then freezing the first and second funds of the third party that are equal to the first credit and the second credit, respectively.
- the second fund management server issues the first loan to the first participant
- the funds of the requested loan amount are equal to the same amount
- the second party is issued with funds equal to the borrowing amount requested by the second borrowing party
- the second fund management server sets the repayment time of the issued funds, And monitoring a repayment date of the first participant and the second participant
- the first fund management server is an account management server of the third participant and the fourth participant
- the second fund management server is The first party and the second party's account management server.
- the method includes: receiving, by the first fund management server, a third participant, according to the first party and the second party respectively submitting the first loan request and the second loan request The first credit certificate opening application, and receiving a second credit certificate opening application submitted by the fourth participant according to the first loan request and the second loan request; and generating an application according to the first credit certificate opening application The first credit certificate and the second credit certificate, according to the second credit certificate opening application, generate a corresponding third credit certificate and a fourth credit certificate, and then freeze the third party and the first credit respectively The first fund and the second fund with the same amount of the voucher and the second credit certificate, and the third fund and the fourth of the fourth party that are equal to the credit amount of the third credit card and the fourth credit certificate respectively And sending the first, second, third, and fourth credit certificates to the second fund management server, so that the second money management server receives the After the first, second, third and fourth credit vouchers, the first party is issued with funds equal to the loan amount requested by the first loan and the second party is issued
- the method includes: the second fund management server receives the first, second, third, and fourth credit certificates; wherein the first credential and the second credential are the first
- the fund management server receives, by the third participant, the first credit certificate opening application according to the first party and the second participant respectively submitting the first loan request and the second loan request, the third credit certificate and The fourth credential is generated by the first fund management server, and the fourth party generates the second credit certificate opening application according to the first party and the second party respectively submitting the first loan request and the second loan request
- the second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant; the first capital Management server to the third party and fourth party account management server, the second fund management server is the first participant and the second participant's account management server.
- the third and fourth parties apply for the opening of the credit certificate to the first fund management server when receiving the loan request of the first and second parties, and the first fund management server freezes the corresponding fund, and the second The fund management server issues the frozen funds to the first and second parties according to the credit certificate. Therefore, the fund management server is used as an intermediary platform for the four participants, and the third and fourth parties are sponsored by the first fund management server, and the associated second fund management server issues loans to the first and second parties, thereby facilitating The first and second parties make loans online; in addition, the second fund management server monitors the repayment dates of the first and second parties, 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, the method comprising: a first data requestor proposes a first data request that needs to add a first data value to a data unit thereof, and the second data requester proposes to add to the data unit a second data request of the second data value; the first data initiator receiving the first data request and the second data request, submitting a first data voucher open request to the first service party, and the second data initiator receiving station Determining, by the first data request and the second data request, a second data voucher opening application to the first service party; the first service party generating a corresponding first data voucher according to the first data voucher opening application And generating, by the second data voucher application, a corresponding third data voucher and a fourth data voucher, and locking the data unit of the first data initiator and the first data voucher
- the first data having the same data value and the second data equal to the data value represented by the second data voucher, and the number of the second data initiator And third data in the unit equal to the data value represented by the third data voucher and fourth data equal
- the invention provides a data interaction processing method, the method comprising: receiving, by a first service party, a data voucher opening application submitted by a first data initiator according to the first data request and the second data request, and receiving the second data
- the initiator opens a request for the data voucher respectively submitted according to the first data request and the second data request; wherein the first data request initiates a request for the first data requestor to add a first data value to the data unit, where The second data request initiates a request for the second data requestor to add a second data value to the data unit; and generates a corresponding first data voucher and a second data voucher according to the first data voucher open request, according to the second data requestor Determining, by the second data voucher opening application, a corresponding third data voucher and a fourth data voucher, and locking a first of the data units of the first data initiator that is equal to the data value represented by the first data voucher Data and second data equal to the data value represented by the second data credential, and data sheet locking the second data originator a third
- the present invention provides a data interaction processing method, the method comprising: a second service party receiving first, second, third, and fourth data credentials; wherein the first data certificate and the second data certificate are first service parties Receiving, by the first data initiator, the third data voucher and the fourth data voucher are received by the first data request according to the first data request and the second data request The first data request is initiated by the initiator according to the first data request and the second data credential open request, and the first data request is initiated by the first data requester to add a first data value to the data unit.
- the second data request initiates a request for the second data requestor to add a second data value to its data unit; and adding a size equal to the first data size to the first data requestor data unit And a data value equal to the second data size is added to the second data requestor data unit; wherein the second service party is set at The data within a given time a first requestor and the second requestor should be increased data to the first and second data values of data equal in size to the second party service data unit.
- the present invention provides a data interaction processing system, the system comprising: a first data requesting terminal for proposing a first data request for adding a first data value to a data unit thereof; and a second data requesting terminal for presenting A second data request for adding a second data value to the data unit; the first data originating terminal, configured to receive the first data request and the second data request, and submit a first data voucher open request; the second data
- the initiating terminal is configured to receive the first data request and the second data request, and submit a second data credential open application;
- the first server is configured to open the data credential respectively submitted according to the first data request and the second data request And applying a data voucher opening application submitted by the second data initiator according to the first data request and the second data request respectively, and generating a corresponding first data voucher and a second according to the first data voucher opening application a data voucher, generating a corresponding third data voucher and a fourth data voucher according to the second data voucher opening application, and locking the first First data in the data unit of the data
- the present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a data voucher opening application submitted by the first data initiator according to the first data request and the second data request, and receive the second The data originator opens an application according to the data credential submitted by the first data request and the second data request respectively, wherein the first data request initiates a request for the first data requester to add a first data value to the data unit, The second data request is a request for the second data requester to add a second data value to the data unit; the processing module is configured to generate a corresponding first data voucher according to the first data voucher open request And generating, by the second data voucher application, a corresponding third data voucher and a fourth data voucher, and locking the data unit of the first data initiator and the first data voucher First data having equal data values and second data equal to data values represented by the second data voucher, and locking the second And a third data that is equal to a data value represented by the third data voucher and a fourth data that is equal to a data value represented
- the present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive first, second, third, and fourth data credentials; wherein the first data credential and the second data credential are first services Receiving, by the first data initiating party, the third data credential and the fourth data credential are respectively received by the first data request according to the first data request and the second data request, and the second data credential receives the second The data initiator generates correspondingly according to the first data request and the second data credential open request submitted by the second data request, the first data request is initiated by the first data requester to add a first data value to the data unit.
- the second party service requester setting the first data and the second data requestor should be increased by the first and second data values of data equal in size to the second party service data unit within a predetermined time.
- FIG. 1 is a schematic flow chart of a lending method in a first embodiment of the present invention
- FIG. 2 is a schematic diagram of a loan relationship in an embodiment of the present invention.
- FIG. 3 is a schematic flow chart of a lending method in a second embodiment of the present invention.
- FIG. 4 is a schematic flow chart of a lending method in a third embodiment of the present invention.
- FIG. 5 is a schematic flow chart of a lending method in a fourth embodiment of the present invention.
- FIG. 6 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention.
- FIG. 7 is a schematic diagram of data interaction relationship in an embodiment of the present invention.
- FIG. 8 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention.
- FIG. 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.
- FIG. 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.
- FIG. 1 is a schematic flowchart diagram of an online lending method according to a first embodiment of the present invention.
- FIG. 2 together with the schematic diagram of the loan relationship.
- the method flow shown in this embodiment includes the following steps:
- step S10 the first participant and the second participant respectively submit the first loan request and the second loan request.
- Step S11 The third party receives the first loan request and the second loan request, and the fourth party receives the first loan request and the second loan request, and then the third participant and the fourth participant respectively Submitting a first credit certificate opening application and a second credit certificate opening application to the first fund management server.
- 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 S10 the first participant and the second participant respectively submit the first loan request and the second loan request, which are specifically implemented by the following steps:
- step S10a the first participant and the second participant respectively submit the first loan request and the second loan request through a server platform.
- the server platform may be an e-commerce platform, and the first participant and the second 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 third party receives the first borrowing request and the second borrowing request, and the fourth party receives the first borrowing request and the second borrowing request, and then the third participant and the fourth participant
- the party submits the first credit certificate opening application and the second credit certificate opening application to the first fund management server respectively, which is specifically implemented by the following steps:
- Step S11a the third party receives the first loan request and the second loan request through the server platform, and the fourth party receives the first loan request and the second loan request through the server platform, and then the third participant The party and the fourth party respectively submit the first credit certificate opening application and the second credit certificate opening application to the first fund management server.
- the third and fourth parties may also access the server platform to find and receive the borrowing requests of the first and second parties.
- Step S12 the first fund management server generates a corresponding first credit certificate and a second credit certificate according to the first credit certificate opening application, and generates a corresponding third credit certificate and a fourth according to the second credit certificate opening application. a credit certificate, and then freezing the first fund and the second fund respectively equal to the first credit certificate and the second credit certificate loan amount of the third party, and freezing the third party and the third party And the fourth fund and the fourth fund having the same credit amount as the fourth credit certificate, and sending the first, second, third and fourth credit certificates to the second fund management server.
- Step S13 after receiving the first, second, third, and fourth credit certificates, the second fund management server issues funds equal to the loan amount of the first loan request to the first party and to the second party.
- the funds equal to the loan amount requested by the second loan are issued.
- the second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant.
- the second fund management server sets the repayment time of the issued funds, and monitors the repayment dates of the first and second parties.
- the first fund management server is an account management server of the third participant and the fourth participant
- the second fund management server is an account management server of the first participant and the second participant.
- the first fund management server is a fund management server of the first bank
- the second fund management server is a fund management server of the second bank.
- the frozen funds are the credits of the third party and the fourth party respectively, the deposits of the third party and the fourth party respectively at the first fund management server, or the first fund management server, Or the third party and the fourth party respectively correspond to the funds corresponding to the real estate mortgaged by the first fund management server.
- the first money management server and the second money management server are the same money management server.
- the first and second parties are borrowers, and the third and fourth parties are loan initiators.
- the first borrower issues a loan request with a loan of 100,000
- the second borrower issues a loan request with a loan of 80,000.
- the first loan initiator receives the two loan requests and applies to the first bank to present the first credit certificate and the first
- the second credit certificate the second loan initiator receives the two loan requests and presents the third credit certificate and the fourth credit certificate to the first bank.
- the value corresponding to the first, second, third and fourth credit certificates may be set according to the credit of the originator of the loan and the allocation of funds of the borrower, and is not specifically limited.
- the value of the first credit certificate is equivalent to 20,000
- the value of the second credit certificate is equivalent to 60,000
- the value of the third credit certificate is equivalent to 80,000
- the value of the fourth credit certificate is equivalent to 20,000.
- the total value of the first, second and third credit certificates is guaranteed to be equivalent to 180,000.
- the first bank freezes the funds of the first loan originator and the second loan originator in the first bank, wherein the value of the funds of the first loan initiator is frozen and the sum of the first and second credit certificates is equal, freezing
- the value of the funds of the second loan originator is equal to the sum of the values of the third and fourth credit certificates.
- the first loan initiator's 80,000 in the bank deposit and the second loan initiator's 100,000 in the bank deposit are respectively frozen as the guarantee of the loan originator. Then, the second bank issues 180,000 funds to the first borrower and the second borrower, and the borrowing of the first borrower and the second borrower is successful.
- the 100,000 deposit in the bank is not borrowed by the bank to the borrower, but is only frozen by the bank and cannot be used.
- the 100,000 deposit is still in the loan originator account. In the middle, it belongs to the originator of the loan, so the risk is greatly reduced, and because the 100,000 deposits still belong to itself, it may obtain additional benefits.
- 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.
- the third party and the fourth participant apply to the first fund management server to open the credit certificate when receiving the loan request of the first party and the second participant, and the first fund management server freezes the corresponding fund, and the second fund management server The frozen funds are issued to the first and second parties according to the credit certificate. Therefore, the fund management server is used as an intermediary platform of the four participants, and the third and fourth parties are guaranteed to the first fund management server, and the associated second fund management server issues the corresponding loan to the first and second parties, thereby It is convenient for the first and second parties to make loans online.
- the second fund management server monitors the repayment dates of the first and second parties, thereby reducing the loan risk of the loan originator.
- FIG. 4 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 the first credit certificate opening application submitted by the third participant according to the first party and the second participant respectively submitting the first loan request and the second loan request, and receiving the fourth participation The party opens an application for the second credit certificate submitted according to the first loan request and the second loan request.
- Step S21 Generate a corresponding first credential and a second credential according to the first credential open application, generate a corresponding third credential and a fourth credential according to the second credential open application, and then freeze the The first party and the second fund respectively equalizing the loan amount of the first credit certificate and the second credit certificate respectively, and the freezing of the third party and the third credit certificate and the fourth credit certificate respectively Third and fourth funds of equal amount.
- 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 S22 sending the first, second, third, and fourth credit certificates to the second fund management server, so that the second fund management server receives the first, second, third, and fourth credit certificates, and then The participant issues funds equal to the loan amount requested by the first loan and issues funds equal to the borrowing amount requested by the second borrowing party to the second party.
- the second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant.
- the first fund management server is an account management server of the third participant and the fourth participant
- the second fund management server is an account management server of the first participant and the second participant.
- the first fund management server is a fund management server of the first bank
- the second fund management server is a fund management server of the second bank.
- the frozen funds are the credits of the third party and the fourth party respectively, the deposits of the third party and the fourth party respectively at the first fund management server, or the first fund management server, Or the third party and the fourth party respectively correspond to the funds corresponding to the real estate mortgaged by the first fund management server.
- the first money management server and the second money management server are the same money management server.
- the first and second parties are borrowers, and the third and fourth parties are loan initiators.
- FIG. 5 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, second, third, and fourth credit certificates.
- the first credit certificate and the second credit certificate are the first credit management server receiving the first credit submitted by the third participant according to the first party and the second party respectively submitting the first loan request and the second loan request respectively.
- the third credit certificate and the fourth credit certificate are received by the first fund management server, and the fourth participant submits the first loan request and the second loan according to the first participant and the second participant respectively. Generated by requesting the second credit certificate to open an application.
- Step S31 issuing funds equal to the loan amount of the first loan request to the first party and issuing funds equal to the loan amount requested by the second party to the second party.
- the second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant.
- the first fund management server is an account management server of the third party and the fourth party
- the second fund management server is an account management server of the first and second parties.
- the first fund management server is a fund management server of the first bank
- the second fund management server is a fund management server of the second bank.
- the frozen funds are the credits of the third party and the fourth party respectively, the deposits of the third party and the fourth party respectively at the first fund management server, or the first fund management server, Or the third party and the fourth party respectively correspond to the funds corresponding to the real estate mortgaged by the first fund management server.
- the first money management server and the second money management server are the same money management server.
- the first and second parties are borrowers, and the third and fourth parties 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:
- step S40 the first data requester proposes a first data request that needs to add a first data value to its data unit and the second data requestor proposes a second data request that needs to add a second data value to its data unit.
- first data requester and the second data requester initiate a data request through the first server platform.
- Step S41 the first data initiator receives the first data request and the second data request, submits a first data voucher open request to the first service party, and the second data initiator receives the first data request and the second data. Request to submit a second data voucher opening request to the first service party.
- 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.
- first server platform and the second server platform may be an e-commerce platform
- 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 first data voucher open application, and generates a corresponding third data voucher and fourth data according to the second data voucher open application. And credentially locking 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 second data that is equal to the data value represented by the second data voucher, and locking The third data of the data unit of the second data initiator that is equal to the data value represented by the third data voucher and the fourth data that is equal to the data value represented by the fourth data voucher, and the first data is The second, third, and fourth data credentials are sent to the second server.
- Step S43 after receiving the first, second, third, and fourth data credentials, the second server adds a data value equal to the first data size and the second data to the first data requestor data unit.
- a data value equal to the size of the second data is added to the requester data unit.
- the second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.
- the first data requester is user A1, the second data requester is user A2, 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.
- the first data request is a partial password requesting the administrator authority of the client 2
- the second data request is another requesting the administrator authority of the client 2. Part of the password.
- the users B1 and B2 When the users B1 and B2 receive the data request, they apply to the first service party to open the data certificate 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.
- 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
- 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.
- the users B1, B2 agree to hand over the administrator rights of the client 2 to the users A1, A2, 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.
- the first service party 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.
- the second server sends the two passwords of the administrator authority of the client 2 to the users A1 and A2 simultaneously according to the data credentials sent by the first server.
- the service party can set the time for the two passwords of the administrator rights of the client 2 to be returned by the users A1 and A2, and the deadlines for returning the two passwords may be the same or different.
- the second servant sets the user A1 to return part of the password of the privilege of the client 2 to the user B1 within one month, and the user A2 needs to administer the client 2 within 4 months. Another part of the password is returned to user B2.
- the first server releases the administrator rights of the users B1 and B2 to the client 2, and the users A1 and A2 Client 2 can no longer be managed with the corresponding password.
- the service sends a notification to the users A1, A2 to prompt them to return the administrator rights. If the service party does not receive the administrator rights of the clients returned by the users A1 and A2, the administrator rights of the users B1 and B2 to the client 2 are completely cancelled.
- the first service party notifies the data certificate according to the user B1, B2.
- the second server sends the client's administrator authority password to the users A1 and A2.
- the process of the user B1 and B2 handing over the administrator authority to the users A1 and A2 is carried out through the server for risk management, and the data credentials of the users B1 and B2 are required as guarantees so that the administrator authority is not arbitrarily transferred.
- the server can notify the user A1, A2 to promptly return or cancel the administrator rights of the user B1, B2, thereby ensuring the security of the administrator authority of each client. It will not cause confusion in the data management of the client and avoid the risk of client data security.
- 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:
- Step S50 The first service party receives the data voucher open application submitted by the first data initiator according to the first data request and the second data request, and receives the second data initiator according to the first data request and the second data request respectively. Submit the data voucher to open an application.
- the first data request initiates a request for the first data requestor to add a first data value to the data unit, the second data request for the second data requestor to initiate a second data value to be added to the data unit request.
- the first and second data requesters initiate data requests 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.
- first server platform and the second server platform may be an e-commerce platform
- 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 first data voucher opening application, generating a corresponding third data voucher and a fourth data voucher according to the second data voucher opening application, and locking 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 second data that is equal to the data value represented by the second data voucher, and the locking of the second data are initiated.
- the third data of the data unit that is equal to the data value represented by the third data voucher and the fourth data that is equal to the data value represented by the fourth data voucher.
- Step S52 the first, second, third, and fourth data credentials are sent to the second service party, so that the second service party receives the first, second, third, and fourth data credentials, and then sends the first data message to the first data requester.
- a data value equal to the first data size is added to the data unit and a data value equal to the second data size is added to the second data requestor data unit.
- the second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.
- a data interaction processing method includes:
- the second server receives the first, second, third, and fourth data credentials.
- the first data credential and the second data credential are respectively generated by the first service party, and the first data initiating party generates the first data credential open application according to the first data request and the second data request, and the third The data credential and the fourth data credential are correspondingly generated by the first server to receive the second data credential open request by the second data initiator according to the first data request and the second data request, where the first data request is first
- the data requestor initiates a request to add a first data value to its data unit, the second data request initiating a request for the second data requestor to add a second data value to its data unit.
- Step S61 adding a data value equal to the first data size to the first data requestor data unit and adding a data value equal to the second data size to the second data requestor data unit.
- the second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.
- FIG. 10 and FIG. 11 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 first data requesting terminal 71, a second data requesting terminal 72, a first data initiating terminal 73, a second data initiating terminal 74, a first server 75, and a second server 76.
- the first data requesting terminal 71 is configured to propose a first data request that needs to add a first data value to its data unit.
- the second data requesting terminal 72 is for presenting a second data request that requires a second data value to be added to its data unit.
- the first data originating terminal 73 is configured to receive the first data request and the second data request, and submit a first data credential opening application.
- the second data originating terminal 74 is configured to receive the first data request and the second data request, and submit a second data credential open application.
- the first data requesting terminal 71 and the second data requesting terminal 72 initiate a data request requiring the first data through the first server platform.
- the first data originating terminal 73 and the second data initiating terminal 74 are configured to receive the data request and submit a data credential opening application separately.
- the first data initiating terminal 73 and the second data initiating terminal 74 respectively apply to the first server 75 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.
- first server platform and the second server platform may be an e-commerce platform, and the first data requesting terminal 71 and the second data requesting terminal 72 may also access the e-commerce platform through an application installed in the smart terminal.
- the first data originating terminal 73 and the second data originating terminal 74 respectively issue data credentials by the e-commerce platform in response to the data request.
- the first server 75 is configured to receive a data voucher open request submitted by the first data initiating terminal 73 according to the first data request and the second data request, and receive the second data initiating terminal 74 according to the first data request and the second data.
- the second data of the data unit of the first data originating terminal 73 that is equal to the data value represented by the first data credential and the second data that is equal to the data value represented by the second data credential
- And locking the third data of the data unit of the second data originating terminal 74 equal to the data value represented by the third data credential and the fourth data equal to the data value represented by the fourth data credential
- the first, second, third, and fourth data credentials are sent to the second server 76.
- the second server 76 is configured to: after receiving the first, second, third, and fourth data credentials, add a data value equal to the first data size to the first data request terminal 71 data unit, and request the second data A data value equal to the size of the second data is added to the data unit of the terminal 72.
- the second server 76 is configured to add data equal to the first data and the second data to the second server 76 data unit respectively within a predetermined time. value.
- 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.
- the device 80 operates in a banking system.
- the receiving module 81 is configured to receive a data voucher open application submitted by the first data initiator according to the first data request and the second data request, and receive the second data initiator to submit according to the first data request and the second data request respectively.
- the data voucher is opened for application.
- the first data request initiates a request for the first data requestor to add a first data value to the data unit, the second data request for the second data requestor to initiate a second data value to be added to the data unit request.
- the receiving module 81 receives the data certificate opened by the data initiator 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 first data credential open application, and generate a corresponding third data credential and a fourth data credential according to the second data credential open application. And locking 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 second data that is equal to the data value represented by the second data voucher, and locking the first The third data of the data unit of the second data initiator that is equal to the data value represented by the third data voucher and the fourth data that is equal to the data value represented by the fourth data voucher.
- the issuing module 83 is configured to send the first, second, third, and fourth data credentials to the second server, and after the second server receives the first, second, third, and fourth data credentials, to the first A data value equal to the first data size is added to the data requestor data unit and a data value equal to the second data size is added to the second data requestor data unit.
- the second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.
- a data interaction processing apparatus includes a receiving module 91 and a issuing module 92.
- the device 90 operates in a banking system.
- the receiving module 91 is configured to receive first, second, third, and fourth data credentials.
- the first data credential and the second data credential are respectively generated by the first service party, and the first data initiating party generates the first data credential open application according to the first data request and the second data request, and the third The data credential and the fourth data credential are correspondingly generated by the first server to receive the second data credential open request by the second data initiator according to the first data request and the second data request, where the first data request is first
- the data requestor initiates a request to add a first data value to its data unit, the second data request initiating a request for the second data requestor to add a second data value to its data unit.
- the issuance module 92 is configured to add a data value equal to the first data size to the first data requester data unit and a data value equal to the second data size to the second data requestor data unit.
- the second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.
- the first and second data initiators receive a data request that needs to add a value to the data unit when the first and second data requesters are received
- the first service party opens the data certificate according to the request of the data initiator, and locks the corresponding data, so that the second service party adds the value of the locked data according to the data certificate to the first and second data requesters accordingly, and
- the first and second data requesters are required to add the added data value 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.
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Abstract
Description
Claims (13)
- 一种线上借贷方法,其中,所述方法包括以下步骤:第一参与方和第二参与方分别提交第一借款请求和第二借款请求;第三参与方接收所述第一借款请求和所述第二借款请求,第四参与方接收所述第一借款请求和所述第二借款请求,之后所述第三参与方和所述第四参与方分别向第一资金管理服务器提交第一信用凭证开立申请和第二信用凭证开立申请;所述第一资金管理服务器根据所述第一信用凭证开立申请生成对应的第一信用凭证和第二信用凭证,根据所述第二信用凭证开立申请生成对应的第三信用凭证和第四信用凭证,之后冻结所述第三参与方中分别与所述第一信用凭证和第二信用凭证借款额度相等的第一资金和第二资金,以及冻结所述第四参与方中与分别所述第三信用凭证和第四信用凭证借款额度相等的第三资金和第四资金,并将所述第一、二、三、四信用凭证发送至第二资金管理服务器;所述第二资金管理服务器接收到所述第一、二、三、四信用凭证后,向所述第一参与方发放与所述第一借款请求的借款额度相等的资金以及向所述第二参与方发放与所述第二借款请求的借款额度相等的资金;其中,所述第二资金管理服务器设置所述发放的资金的还款时间,并监控所述第一参与方和第二参与方的还款日期;所述第一资金管理服务器为所述第三参与方和第四参与方的账户管理服务器,所述第二资金管理服务器为所述第一参与方和第二参与方的账户管理服务器。
- 根据权利要求1所述的线上借贷方法,其中,所述第一参与方和第二参与方分别提交第一借款请求和第二借款请求的步骤具体为:第一参与方和第二参与方分别通过一服务器平台提交第一借款请求和第二借款请求;所述第三参与方接收所述第一借款请求和所述第二借款请求,第四参与方接收所述第一借款请求和所述第二借款请求,之后所述第三参与方和所述第四参与方分别向第一资金管理服务器提交第一信用凭证开立申请和第二信用凭证开立申请的步骤具体为:第三参与方通过所述服务器平台接收所述第一借款请求和所述第二借款请求,第四参与方通过所述服务器平台接收所述第一借款请求和所述第二借款请求,之后所述第三参与方和所述第四参与方分别向第一资金管理服务器提交第一信用凭证开立申请和第二信用凭证开立申请。
- 根据权利要求1所述的线上借贷方法,其中,所述第一资金管理服务器为第一银行的资金管理服务器,所述第二资金管理服务器为第二银行的资金管理服务器;所述冻结的资金为所述第三参与方和所述第四参与方分别于所述第一资金管理服务器的存款、或所述第一资金管理服务器分别给予所述第三参与方和第四参与方的信用额度、或所述第三参与方和所述第四参与方分别于所述第一资金管理服务器抵押的不动产所对应的资金。
- 根据权利要求2所述的线上借贷方法,其中,所述第一资金管理服务器为第一银行的资金管理服务器,所述第二资金管理服务器为第二银行的资金管理服务器;所述冻结的资金为所述第三参与方和所述第四参与方分别于所述第一资金管理服务器的存款、或所述第一资金管理服务器分别给予所述第三参与方和第四参与方的信用额度、或所述第三参与方和所述第四参与方分别于所述第一资金管理服务器抵押的不动产所对应的资金。
- 根据权利要求1所述的线上借贷方法,其中,所述第一资金管理服务器以及所述第二资金管理服务器为同一个资金管理服务器。
- 一种线上借贷方法,其中,所述方法包括:第一资金管理服务器接收第三参与方根据第一参与方和第二参与方分别提交第一借款请求和第二借款请求而提出的第一信用凭证开立申请,以及接收第四参与方根据所述第一借款请求和第二借款请求而提出的第二信用凭证开立申请;根据所述第一信用凭证开立申请生成对应的第一信用凭证和第二信用凭证,根据所述第二信用凭证开立申请生成对应的第三信用凭证和第四信用凭证,之后冻结所述第三参与方中分别与所述第一信用凭证和第二信用凭证借款额度相等的第一资金和第二资金,以及冻结所述第四参与方中与分别所述第三信用凭证和第四信用凭证借款额度相等的第三资金和第四资金;以及将所述第一、二、三、四信用凭证发送至第二资金管理服务器,使所述第二资金管理服务器接收到所述第第一、二、三、四信用凭证后,向所述第一参与方发放与所述第一借款请求的借款额度相等的资金以及向所述第二参与方发放与所述第二借款请求的借款额度相等的资金;其中,所述第二资金管理服务器设置所述发放的资金的还款时间,并监控所述第一参与方和第二参与方的还款日期;所述第一资金管理服务器为所述第三参与方和第四参与方的账户管理服务器,所述第二资金管理服务器为所述第一参与方和第二参与方的账户管理服务器。
- 一种线上借贷方法,其中,所述方法包括:第二资金管理服务器接收第一、二、三、四信用凭证;其中,所述第一信用凭证和第二信用凭证为第一资金管理服务器接收第三参与方根据第一参与方和第二参与方分别提交第一借款请求和第二借款请求而提出的第一信用凭证开立申请而生成的,所述第三信用凭证和第四信用凭证为第一资金管理服务器接收第四参与方根据所述第一参与方和第二参与方分别提交第一借款请求和第二借款请求而提出的第二信用凭证开立申请而生成的;以及向所述第一参与方发放与所述第一借款请求的借款额度相等的资金以及向所述第二参与方发放与所述第二借款请求的借款额度相等的资金;其中,所述第二资金管理服务器设置所述发放的资金的还款时间,并监控所述第一参与方和第二参与方的还款日期;所述第一资金管理服务器为所述第三参与方和第四参与方的账户管理服务器,所述第二资金管理服务器为所述第一参与方和第二参与方的账户管理服务器。
- 一种数据交互处理方法,其中,所述方法包括:第一数据请求方提出需要向其数据单元增加第一数据值的第一数据请求以及第二数据请求方提出需要向其数据单元增加第二数据值的第二数据请求;第一数据发起方接收所述第一数据请求和第二数据请求,向第一服务方提交第一数据凭证开立申请,以及第二数据发起方接收所述第一数据请求和第二数据请求,向第一服务方提交第二数据凭证开立申请;所述第一服务方根据所述第一数据凭证开立申请生成对应的第一数据凭证和第二数据凭证,根据所述第二数据凭证开立申请生成对应的第三数据凭证和第四数据凭证,并锁定所述第一数据发起方的数据单元中与所述第一数据凭证所代表的数据值相等的第一数据和与所述第二数据凭证所代表的数据值相等的第二数据,以及锁定所述第二数据发起方的数据单元中与所述第三数据凭证所代表的数据值相等的第三数据和与所述第四数据凭证所代表的数据值相等的第四数据,并将所述第一、二、三、四数据凭证发送至第二服务方;所述第二服务方接收到所述第一、二、三、四数据凭证后,向所述第一数据请求方数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求方数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务方设置在预定时间内所述第一数据请求方和第二数据请求方应分别向所述第二服务方数据单元增加与所述第一数据和第二数据大小相等的数据值。
- 一种数据交互处理方法,其中,所述方法包括:第一服务方接收第一数据发起方根据第一数据请求和第二数据请求分别提交的数据凭证开立申请,以及接收第二数据发起方根据第一数据请求和第二数据请求分别提交的数据凭证开立申请;其中,所述第一数据请求为第一数据请求方发起需要向其数据单元增加第一数据值的请求,所述第二数据请求为第二数据请求方发起需要向其数据单元增加第二数据值的请求;根据所述第一数据凭证开立申请生成对应的第一数据凭证和第二数据凭证,根据所述第二数据凭证开立申请生成对应的第三数据凭证和第四数据凭证,并锁定所述第一数据发起方的数据单元中与所述第一数据凭证所代表的数据值相等的第一数据和与所述第二数据凭证所代表的数据值相等的第二数据,以及锁定所述第二数据发起方的数据单元中与所述第三数据凭证所代表的数据值相等的第三数据和与所述第四数据凭证所代表的数据值相等的第四数据;以及将所述第一、二、三、四数据凭证发送至第二服务方,使所述第二服务方接收到所述第一、二、三、四数据凭证后,向所述第一数据请求方数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求方数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务方设置在预定时间内所述第一数据请求方和第二数据请求方应分别向所述第二服务方数据单元增加与所述第一数据和第二数据大小相等的数据值。
- 一种数据交互处理方法,其中,所述方法包括:第二服务方接收第一、二、三、四数据凭证;其中,所述第一数据凭证和第二数据凭证为第一服务方接收第一数据发起方根据第一数据请求和第二数据请求提出的第一数据凭证开立申请而相应生成的,所述第三数据凭证和第四数据凭证为第一服务方接收第二数据发起方根据第一数据请求和第二数据请求提出的第二数据凭证开立申请而相应生成的,所述第一数据请求为第一数据请求方发起需要向其数据单元增加第一数据值的请求,所述第二数据请求为第二数据请求方发起需要向其数据单元增加第二数据值的请求;以及向所述第一数据请求方数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求方数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务方设置在预定时间内所述第一数据请求方和第二数据请求方应分别向所述第二服务方数据单元增加与所述第一数据和第二数据大小相等的数据值。
- 一种数据交互处理系统,其中,所述系统包括:第一数据请求终端,用于提出需要向其数据单元增加第一数据值的第一数据请求;第二数据请求终端,用于提出需要向其数据单元增加第二数据值的第二数据请求;第一数据发起终端,用于接收所述第一数据请求和第二数据请求,并提交第一数据凭证开立申请;第二数据发起终端,用于接收所述第一数据请求和第二数据请求,并提交第二数据凭证开立申请;第一服务器,用于接收第一数据发起终端根据第一数据请求和第二数据请求分别提交的数据凭证开立申请,以及接收第二数据发起终端根据第一数据请求和第二数据请求分别提交的数据凭证开立申请,根据所述第一数据凭证开立申请生成对应的第一数据凭证和第二数据凭证,根据所述第二数据凭证开立申请生成对应的第三数据凭证和第四数据凭证,并锁定所述第一数据发起终端的数据单元中与所述第一数据凭证所代表的数据值相等的第一数据和与所述第二数据凭证所代表的数据值相等的第二数据,以及锁定所述第二数据发起终端的数据单元中与所述第三数据凭证所代表的数据值相等的第三数据和与所述第四数据凭证所代表的数据值相等的第四数据,并将所述第一、二、三、四数据凭证发送至第二服务器;以及第二服务器,用于接收所述第一、二、三、四数据凭证后,向所述第一数据请求终端数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求终端数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务器设置在预定时间内所述第一数据请求终端和第二数据请求终端应分别向所述第二服务器数据单元增加与所述第一数据和第二数据大小相等的数据值。
- 一种数据交互处理装置,其中,所述装置包括:接收模块,用于接收第一数据发起方根据第一数据请求和第二数据请求分别提交的数据凭证开立申请,以及接收第二数据发起方根据第一数据请求和第二数据请求分别提交的数据凭证开立申请;其中,所述第一数据请求为第一数据请求方发起需要向其数据单元增加第一数据值的请求,所述第二数据请求为第二数据请求方发起需要向其数据单元增加第二数据值的请求;处理模块,用于根据所述第一数据凭证开立申请生成对应的第一数据凭证和第二数据凭证,根据所述第二数据凭证开立申请生成对应的第三数据凭证和第四数据凭证,并锁定所述第一数据发起方的数据单元中与所述第一数据凭证所代表的数据值相等的第一数据和与所述第二数据凭证所代表的数据值相等的第二数据,以及锁定所述第二数据发起方的数据单元中与所述第三数据凭证所代表的数据值相等的第三数据和与所述第四数据凭证所代表的数据值相等的第四数据;以及发放模块,用于将所述第一、二、三、四数据凭证发送至第二服务方,使所述第二服务方接收到所述第一、二、三、四数据凭证后,向所述第一数据请求方数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求方数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务方设置在预定时间内所述第一数据请求方和第二数据请求方应分别向所述第二服务方数据单元增加与所述第一数据和第二数据大小相等的数据值。
- 一种数据交互处理装置,其中,所述装置包括:接收模块,用于接收第一、二、三、四数据凭证;其中,所述第一数据凭证和第二数据凭证为第一服务方接收第一数据发起方根据第一数据请求和第二数据请求提出的第一数据凭证开立申请而相应生成的,所述第三数据凭证和第四数据凭证为第一服务方接收第二数据发起方根据第一数据请求和第二数据请求提出的第二数据凭证开立申请而相应生成的,所述第一数据请求为第一数据请求方发起需要向其数据单元增加第一数据值的请求,所述第二数据请求为第二数据请求方发起需要向其数据单元增加第二数据值的请求;以及发放模块,用于向所述第一数据请求方数据单元中增加与所述第一数据大小相等的数据值以及向所述第二数据请求方数据单元中增加与所述第二数据大小相等的数据值;其中,所述第二服务方设置在预定时间内所述第一数据请求方和第二数据请求方应分别向所述第二服务方数据单元增加与所述第一数据和第二数据大小相等的数据值。
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