WO2016191926A1 - Lending method, and data interaction processing method, device and system - Google Patents

Abstract

A lending method, and a data interaction processing method, device and system. The lending method comprises: according to a borrowing request of a second participant, a first participant applies to a first funds management server to open an electronic commitment payment certificate which is less than a borrowing value requested by the second participant; according to the electronic commitment payment certificate opened by the first funds management server, said server freezes funds of the first participant which are equal to the value of the electronic commitment payment certificate; a second funds management server receives the electronic commitment payment certificate opened by the first funds management server, grants first funds to the second participant which are equal to the value of the electronic commitment payment certificate, and grants second funds to the second participant according to a remainder borrowing request initiated by the second participant; the first funds and the second funds are set by the second funds management server to be returned within a preset time. The present invention reduces the lending risk for a lender.

Description

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】

With the advent of 2G/3G, even the 4G era, and the ubiquitous WIFI hotspots, it marks the arrival of today's big data era. All the daily behaviors of users can theoretically be built with the network of mobile data networks provided by major operators. And WIFI, such a wireless local area network, through the Internet technology to achieve a variety of data processing. Therefore, the network environment has advantages over the offline real world in terms of user convenience, but there is no effective solution to how to use the network to secure data interaction and reduce risks.

Taking the data processing in a user's life scene as an example, when a user applies for a loan, the application can usually be made by means of direct lending between individuals and individuals or by individuals borrowing from a bank. However, the lending activity between individuals and individuals is usually the agreement between the borrower and the lender through oral or written form. After the loan provides the assets to the borrower, the loan is brought to the lender due to lack of financial guarantee and supervision mechanism. There is a great risk; while the lending activities between individuals and banks have complex processes of collecting individual information, more labor interventions, and banks also need to bear the risk of capital. Therefore, it is necessary to provide a new lending method and data interaction processing mechanism to meet the user's online lending needs.

 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide a lending method, a data interaction processing method, device and system, which can reduce the risk of data interaction (loan).

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a lending method, the method comprising: the first participant applying to the first fund management server to open an open electronic according to the borrowing request of the second participant Committed to the payment voucher; wherein the value of the electronic commitment payment voucher is less than the value of the loan requested by the second participant, and the first party manages to the first fund with its account fund or credit line as a margin The server applies for and is opened by the first fund management server; the first fund management server freezes the funds of the first participant's value equal to the electronic commitment payment certificate according to the electronic commitment payment certificate opened by the first fund management server; Receiving, by the second fund management server, an electronic commitment payment voucher opened by the first fund management server, and issuing a first fund equal to the value of the electronic commitment payment voucher to the second participant; and the second fund management The server issues a second second to the second participant according to the remaining borrowing request initiated by the second participant And a sum of the value of the first fund and the second fund is equal to a loan value of the loan request, and the first fund and the second fund are set by the second fund management server to be Returned within the scheduled time.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a lending method, the method comprising: receiving, by a first fund management server, a first participant according to a received borrowing request of a second participant; The application opens an electronic commitment payment voucher that is less than the value of the loan requested by the second participant; wherein the electronic commitment payment voucher is that the first participant uses its account funds or credit line as a margin to The first fund management server applies for and is opened by the first fund management server; and freezes the first participant's funds equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher; The electronic commitment payment voucher is sent to the second fund management server, so that the second fund management server issues the first fund equal to the value of the electronic commitment payment voucher to the second participant; wherein the first payment is issued The funds are set by the second money management server to be returned within a predetermined time.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a lending method, the method comprising: receiving, by the second fund management server, an electronic service opened by the first fund management server according to the application of the first party Committed to the payment voucher; wherein the application is issued to the first fund management server for receiving the loan request of the second participant by the first participant, the value of the electronic commitment payment voucher being less than the second participation The value of the loan requested by the party, and is requested by the first party to use the account fund or the credit line as a deposit to the first fund management server and opened by the first fund management server; to the second party Issuing a first fund equal to the value of the electronic commitment payment voucher; and issuing a second fund to the second participant according to the remaining loan request initiated by the second participant; wherein the first fund and the The sum of the value of the second fund is equal to the loan value of the loan request, and the first fund and the second fund are managed by the fund Server to return within a predetermined time.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first data initiator adding a first data value to a data unit according to a data requestor initiation request The data request is submitted to the first service party, and the first service party opens a data certificate smaller than the first data value according to the application of the first data initiator; wherein the data certificate is the first a quantification tool for pre-established data association relationship between the data originator and the first service party; the first service party locks the data unit of the first data initiator according to the data credential opened by the first service party a first portion of data equal to a size of the data value represented by the data voucher; the second server receives the data voucher opened by the first server and increases the data size of the first portion to the data requestor data unit Data value; wherein the second service party is set to increase the location of the data requester to the second server data unit within a predetermined time a first portion of data having an equal data size; and the second server adding to the data requestor data unit according to the data request initiated by the data requestor to increase a data value equal to the second partial data size The second partial data is equal in size; wherein the sum of the data values of the first partial data and the second partial data is the first data value.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing system, the system comprising: a data requesting terminal, configured to initiate a first data that needs to add a first data value to a data unit thereof. a first data initiating terminal, configured to submit an application for opening a data credential to the first service party according to the first data request, where the first server is configured to open a smaller than the first data value according to the application a data voucher, according to the data voucher opened by the first data in the data unit of the first data initiating terminal, which is equal in size to the data value represented by the data voucher; wherein the data voucher is a quantification tool for pre-establishing a data association relationship between the first data initiating terminal and the first server; a second server, configured to receive the data credential opened by the first server, and request the data The party data unit increases a data value equal to the size of the first portion of data; and an increase and a second initiated according to the data requestor And a data request for dividing data values of equal data size, adding data values equal to the size of the second partial data to the data requestor data unit; wherein, the data values of the first partial data and the second partial data The sum is the first data value; the second server is set to increase the data value equal to the first data size to the second server data unit within a predetermined time.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first service party initiates a request to the data according to the data requester received by the first data initiator. The unit increases a first data request of the first data value and opens a data credential smaller than the first data value size; wherein the data credential is a pre-initial between the first data initiator and the first service party a quantitative tool for establishing a data association relationship; locking, according to the data voucher, a first portion of data in the data unit of the first data initiator that is equal in size to a data value represented by the data voucher; and transmitting the data voucher Up to the second servant, causing the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein the second service party is set to be within a predetermined time A data value equal to the first partial data size is added to the second servant data unit.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing apparatus, where the apparatus includes: a data credential opening module, configured to initiate according to a data requester received by the first data initiator Requiring a first data request for adding a first data value to its data unit to open a data credential smaller than the first data value size; wherein the data credential is between the first data originating terminal and the device a quantization tool of the pre-established data association relationship; the processing module, configured to lock, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher; a issuing module, configured to send the data voucher to a second service party, to cause the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein, the second The service provider sets the data requester to increase the size of the first partial data to the second server data unit within a predetermined time. Data values.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the second service party receiving the first service party to open according to the application of the first data initiator a data voucher; wherein the request is sent by the first data originator receiving data requestor to initiate a first data request requiring a first data value to be added to its data unit, the data voucher being smaller than the first data a quantization tool having a value and a pre-established data association relationship between the first data initiator and the first server; adding data equal to the first portion of data to the data requestor data unit a data value that is equal to the second partial data size is added to the data requestor data unit according to the data request initiated by the data requestor to increase the data value equal to the second partial data size; a sum of data values of the first partial data and the second partial data is the first data value; the second server is disposed at Within a given time of the second data server data requestor should be the first data unit increases the size of the data values are equal.

In order to solve the above technical problem, another technical solution adopted by the present invention is to provide a data interaction processing apparatus, and the apparatus includes: a receiving module, configured to receive, by the first service party, open according to an application of the first data initiator Data credential; wherein the request is sent by the first data originator receiving data requestor to initiate a first data request requiring a first data value to be added to its data unit, the data credential being less than the first a data value, and a quantization tool that is a pre-established data association relationship between the first data initiator and the first service party; and an issuance module, configured to add to the data requestor data unit a first portion of data having an equal data size; and a data request initiated by the data requestor to increase a data value equal to the second partial data size, and adding a data size to the second portion to the data requestor data unit An equal data value; wherein a sum of data values of the first partial data and the second partial data is the first data value The second server is disposed within a predetermined time of the second data server data requestor should increase from the first data unit is equal to the size of the data values.

In the above solution, in the data interaction process, since the data initiator (loan initiator) and the data requester (borrower) party join the service party, and establish the data initiator and the service party, the service party and Data interaction relationship between data requesters provides data monitoring and data feedback for data interaction between data initiators and data requesters, improving data security and data interaction stability.

 [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 flow chart of a lending method in a second embodiment of the present invention;

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

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

FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention; FIG.

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

7 is a schematic flow chart of a data interaction processing method in a third embodiment of the present invention;

FIG. 8 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention; FIG.

9 is a schematic structural diagram of a data interaction processing apparatus according to a first embodiment of the present invention;

FIG. 10 is a schematic structural diagram 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 a lending method according to a first embodiment of the present invention. The method flow shown in this embodiment includes the following steps:

In step S10, the first participant applies to the first fund management server to open an electronic commitment payment certificate according to the borrowing request of the second participant. Wherein, the value of the electronic commitment payment voucher is less than the value of the loan requested by the second participant, and the first party applies for the first fund management server with the account fund or the credit line as the deposit and is managed by the first fund The server is open.

In this embodiment, the first participant is a loan originator and the second participant is a borrower.

Referring to FIG. 2, further, in step S10, the first participant applies to the first fund management server to open an electronic commitment payment voucher according to the borrowing request of the second participant, which is specifically implemented by the following steps:

In step S10a, the second participant initiates the loan request through a server platform.

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

Step S10b, the first participant receives the loan request, and applies to the first fund management server according to the loan request and opens the electronic commitment payment certificate by the first fund management server.

The loan originator can also access the server platform to find and receive the borrower's loan request. Further, the loan originator can view the loan requests initiated by the multiple borrowers through the server platform, and select an appropriate reception.

In step S11, the first fund management server freezes the funds of the first party equal to the value of the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the first fund management server.

The frozen funds are the deposit of the second party to the first fund management server, or the credit amount of the second party to the first fund management server, or the second party of the second fund management server Mortgage real estate.

Step S12: The second fund management server receives the electronic commitment payment voucher opened by the first fund management server, and issues the first fund equal to the value of the electronic commitment payment voucher to the second participant. The first fund of the issuance is set by the second fund management server to be returned within a predetermined time.

In this embodiment, the first fund management server is a first bank fund management server, and the second fund management server is a fund management server of the second bank.

In other embodiments, the first money management server and the second money management server are the same money management server.

Step S13: The second fund management server issues the second fund to the second participant according to the remaining loan request initiated by the second participant. Wherein, the sum of the value of the first fund and the second fund is equal to the loan value of the loan request, and the first fund and the second fund are set by the second fund management server to be returned within a predetermined time.

Further, the second fund management server performs a credit evaluation on the second participant before issuing the second fund to the second participant, and issues the second fund when the evaluation is qualified.

For example, the borrower issues a loan request with a loan of 100,000. After receiving the loan request, the loan originator applies to the first bank to open an electronic commitment payment certificate, and the value of the electronic commitment payment certificate is only 60,000. The first bank freezes the funds of the loan originator in this financial platform, wherein the value of the frozen funds is equal to the value of the electronic commitment payment certificate. For example, the frozen loan originator is 60,000 in the first bank deposit as a guarantee for the loan originator. Then, the second bank receives the electronic commitment payment voucher opened by the first bank, and issues 60,000 funds to the borrower. The borrower makes a loan request to the second bank for the remaining 40,000 loans. At this time, the second bank issues 40,000 funds when the creditor is qualified for credit evaluation.

For the lender, the 60,000 deposits in the bank are not borrowed by the bank to the borrower, but are not frozen by the bank. The 60,000 deposits are still in the lender’s account and belong to the lender, so the risk is greatly reduced. At the same time, because the 60,000 deposits still belong to themselves, they may obtain additional benefits. For the borrower, it borrows from the lender rather than borrowing 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, it will strengthen self-discipline to match The lender completes the entire lending process and further reduces the lender's risk. At the same time, the bank's strong strength makes the loan process smoother and more convenient for the borrower. For the bank, the loan of 60,000 yuan is guaranteed by the loaner’s frozen 60,000 storage, and the risk is not borne by itself. At the same time, due to its strong strength and counter-force, it can guarantee the successful completion of the loan process. 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 first participant applies to the first fund management server to open an electronic commitment payment voucher that is less than the requested loan value when receiving the borrowing request of the second participant, so that the first fund management server freezes the first party's The funds less than the value of the electronic commitment payment voucher, and the second fund management server issues the funds equal to the requested loan value to the second participant according to the electronic commitment payment voucher, and the second fund management server directly issues the remaining loans to the first Two participants. Therefore, the fund management server is used as the intermediary platform of the second participant and the first participant, the first participation is guaranteed by the fund management server, and the fund management server issues the loan to the second participant, thereby reducing the risk of the loan process. .

Please refer to FIG. 3 , which is a schematic flowchart diagram of a 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 electronic commitment payment voucher that is submitted by the first participant according to the received borrowing request of the second participant to open a loan value that is less than the loan value requested by the second participant. The electronic commitment payment certificate is that the first participant applies to the first fund management server and is opened by the first fund management server with its account fund or credit line as a security deposit.

In this embodiment, the first participant is a loan originator and the second participant is a borrower.

Step S21, freezing the first participant's funds equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher.

The frozen funds are the deposit of the second party to the first fund management server, or the credit amount of the second party to the first fund management server, or the second party of the second fund management server Mortgage real estate.

Step S22, the electronic commitment payment voucher is sent to the second fund management server, so that the second fund management server issues the first fund equal to the value of the electronic commitment payment voucher to the second participant. The first fund of the issuance is set by the second fund management server to be returned within a predetermined time.

In this embodiment, the first fund management server is a first bank fund management server, and the second fund management server is a fund management server of the second bank.

In other embodiments, the first money management server and the second money management server are the same money management server.

Further, the second fund management server issues the second fund to the second participant according to the remaining loan request initiated by the second participant. Wherein, the sum of the value of the first fund and the second fund is equal to the loan value of the loan request, and the first fund and the second fund are set by the second fund management server to be returned within a predetermined time.

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

Step S31: The second fund management server receives the electronic commitment payment voucher opened by the first fund management server according to the application of the first party. Wherein the application is sent to the first fund management server for receiving the loan request of the second party by the first participant, the value of the electronic commitment payment certificate is less than the value of the loan requested by the second participant, and The first party applies to the first fund management server and opens the first fund management server with its account fund or credit line as a security deposit.

Step S32, issuing a first fund equal to the value of the electronic commitment payment voucher to the second participant.

The first fund of the issuance is set by the second fund management server to be returned within a predetermined time.

In this embodiment, the first fund management server is a first bank fund management server, and the second fund management server is a fund management server of the second bank.

In other embodiments, the first money management server and the second money management server are the same money management server.

Step S33, issuing a second fund to the second participant according to the remaining loan request initiated by the second participant. The sum of the value of the first fund and the second fund is equal to the loan value requested by the loan, and the first fund and the second fund are set by the fund management server to be returned within a predetermined time.

FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. The method flow shown in this embodiment includes:

Step S40: The first data initiator sends an application to the first service party according to the data requestor requesting the data request to add the first data value to the data unit, and the first service party opens the application according to the first data initiator. A data credential that is smaller than the size of the first data value. The data voucher is a quantification tool for pre-established data association relationship between the first data initiator and the first service party.

Step S41: The first service party locks, according to the data certificate opened by the first service party, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data certificate.

Specifically, the first data initiator opens a data credential smaller than the first data value 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 Open the data voucher through the e-commerce platform in response to the data request.

Step S42, the second server receives the data certificate opened by the first server, and adds a data value equal to the size of the first part data to the data requester data unit. Wherein, the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.

Step S43, the second serving party adds a data value equal to the size of the second partial data to the data requester data unit according to the data request initiated by the data requestor to increase the data value equal to the second partial data size. The sum of the data values of the first partial data and the second partial data is the first data value.

Referring to FIG. 6, 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 serving party opens a data credential smaller than the first data value according to an application that the data requester received by the first data initiator initiates a first data request that needs to add a first data value to its data unit. . The data voucher is a quantification tool for pre-established data association relationship between the first data initiator and the first service party.

Specifically, the data requester initiates a data request requiring the first data through the first server platform. The data initiator submits an application to the service party through the second server platform to open a data credential smaller than the first data value.

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

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

Step S51, locking, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher.

Step S52, the data voucher is sent to the second service party, so that the second service direction adds the data value equal to the first partial data size to the data requestor data unit. Wherein, the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.

Referring to FIG. 7, 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 service party receives the data certificate opened by the first service party according to the application of the first data initiator. The application is sent by the first data initiator to receive a data requestor to initiate a first data request to add a first data value to the data unit, where the data voucher is smaller than the first data value, and is the first A quantification tool for pre-established data association relationships between the data originator and the first servant.

Step S61, adding a data value equal to the size of the first partial data to the data requestor data unit.

Step S62: Add a data value equal to the size of the second partial data to the data requester data unit according to the data request initiated by the data requester to increase the data value equal to the second partial data size. The sum of the data values of the first partial data and the second partial data is the first data value, and the second serving party sets the data requester to add the first partial data to the second server data unit within a predetermined time. Equally sized data values.

Please refer to FIG. 8 , which is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention. The system 70 shown in this embodiment includes a data requesting terminal 71, a first data originating terminal 72, a first server 73, and a second server 74.

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

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

The first data originating terminal 72 is configured to submit an application for opening a data credential to the first service party according to the first data request.

Specifically, the first data originating terminal 72 opens the data credential to the first server 73 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 originating terminal 72 requests the first server 73 to open the data voucher through the e-commerce platform response data request. The data credential is a quantification tool for pre-established data association relationship between the first data originating terminal 72 and the first server 73.

The first server 73 is configured to open a data credential smaller than the first data value according to the application of the first data initiating terminal 72, and lock the data unit of the first data initiating terminal 72 according to the data credential opened by the first server 73. The first part of data having the same data value represented by the data voucher. The data credential is a quantification tool for pre-established data association relationship between the first data originating terminal 72 and the first server 73.

The second server 74 is configured to receive the data credential opened by the first server 73, and add a data value equal to the first partial data size to the data requester 71 data unit. Wherein, the second server 74 is set to increase the data value equal to the size of the first partial data to the data unit of the second server 74 within a predetermined time.

Further, the second server 74 is further configured to: according to the data request by the data requesting terminal 71 to increase the data value equal to the second partial data size, add the data size to the second partial data unit of the data request terminal 71 Equal data values. The sum of the data values of the first partial data and the second partial data is the first data value, and the second serving party sets the data requester to add the first partial data to the second server data unit within a predetermined time. Equally sized data values.

In this embodiment, the first server 73 is a first fund management server, and the first money management server may be a bank. The second server 74 is a second money management server, and the second money management server may be a bank. The third server 76 is a third fund management server, and the third money management server may be a bank, a third party payment platform.

In other embodiments, the first server 73 and the second server 74 are first money management servers, and the first money management server may be a bank.

FIG. 9 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 data credential opening module 81, a processing module 82, and a distribution module 83. In the present embodiment, the device 80 operates in a banking system. .

The data credential opening module 81 is configured to: according to the data requester received by the first data initiator, initiate a first data request that needs to add a first data value to the data unit, and open data smaller than the first data value. certificate. The data credential is a quantification tool for pre-established data association relationship between the first data originating terminal and the device.

Specifically, the data credential opening module 81 receives the data credential opened by the first data originating terminal through a server platform.

The processing module 82 is configured to lock, according to the data credential, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential.

The issuance module 83 is configured to send the data credential to the second service party, so that the second service direction adds a data value equal to the first partial data size to the data requestor data unit. Wherein, the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.

Further, for the remaining data, the second servant adds a data request of the data value equal to the second partial data size initiated by the data requester to the data requestor data unit to be equal to the second partial data size. Data value. The sum of the data values of the first partial data and the second partial data is the first data value, and the second serving party sets the data requester to add the first partial data to the second server data unit within a predetermined time. Equally sized data values.

FIG. 10 is a data interaction processing apparatus according to a second embodiment of the present invention. The data interaction processing apparatus 90 shown in this embodiment includes a receiving module 91 and a issuing module 92. In the present embodiment, the device 90 operates in a banking system.

The receiving module 91 is configured to receive a data credential opened by the first service party according to the application of the first data initiator. The application is sent by the first data initiator to receive a data requestor to initiate a first data request to add a first data value to the data unit, where the data voucher is smaller than the first data value, and is the first A quantification tool for pre-established data association relationships between the data originator and the first servant.

The issuance module 92 is configured to add a data value equal to the first partial data size to the data requestor data unit; and according to the data request initiated by the data requestor to increase the data value equal to the second partial data size, The data requestor data unit adds a data value equal to the size of the second partial data.

The sum of the data values of the first partial data and the second partial data is the first data value, and the second serving party sets the data requester to add the first partial data to the second server data unit within a predetermined time. Equally sized data values.

The invention provides a lending method, a data interaction processing method, a device and a system, and a data voucher is used to establish a data association relationship between a data initiator and a service party in advance, and the data initiator needs to first initiate the data requesting party. When the data request of the data is requested, the data credential smaller than the first data value is opened to the service party, so that the service party freezes the data association relationship between the data credential and the data originator, so that the second service party requests the data according to the data credential. The square data unit is incremented with the corresponding data value. In the data interaction process, since the data initiator (first party) and the data requester (second party) party join the service party, and establish the data initiator and the service party, the service party and the data The data interaction relationship between the requesters provides data monitoring and data feedback for data interaction between the data initiator and the data requester, which increases the data association mode, enriches the data interaction connotation, and causes data problems on either side. At the same time, the data (or data association relationship) can be restored by means of the other two data interaction relationships, thereby improving data security and data interaction stability.

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 (14)

1. A lending method, wherein the method comprises:

   The first participant applies to the first fund management server to open an electronic commitment payment certificate according to the borrowing request of the second participant; wherein the value of the electronic commitment payment certificate is less than the value of the loan requested by the second participant, And applying, by the first party, the account fund or the credit line as a deposit to the first fund management server and being opened by the first fund management server;

   The first fund management server freezes funds of the first participant's value equal to the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the first fund management server;

   Receiving, by the second fund management server, the electronic commitment payment voucher opened by the first fund management server, and issuing the first fund equal to the value of the electronic commitment payment voucher to the second participant;

   The second fund management server issues a second fund to the second participant according to the remaining loan request initiated by the second participant; wherein the sum of the value of the first fund and the second fund is The borrowing value of the loan request is equal, and the first fund and the second fund are set by the second fund management server to be returned within a predetermined time.
2. The lending method according to claim 1, wherein the step of the first party to apply for opening the electronic commitment payment voucher to the first fund management server according to the borrowing request of the second party includes:

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

   The first participant receives the loan request, and applies to the first fund management server according to the loan request, and opens the electronic commitment payment certificate by the first fund management server.
3. The lending method according to claim 1, wherein 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, and the third fund management The server platform is a fund management server of the third bank or the third party payment platform; the frozen funds are the deposit of the second party to the first fund management server, or the first fund management server a credit line of the second party or a real property mortgaged by the second party at the first fund management server.
4. The lending method according to claim 2, wherein the first money management server is a money management server of the first bank, the second money management server is a money management server of the second bank, and the third money management The server platform is a fund management server of the third bank or the third party payment platform; the frozen funds are the deposit of the second party to the first fund management server, or the first fund management server a credit line of the second party or a real property mortgaged by the second party at the first fund management server.
5. The 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. The lending method according to claim 2, wherein said first money management server and said second money management server are the same money management server.
7. A lending method, wherein the method comprises:

   The first fund management server receives an application submitted by the first participant according to the received borrowing request of the second participant to open an electronic commitment payment voucher that is smaller than the value of the loan requested by the second participant; wherein the The electronic commitment payment voucher is that the first participant applies to the first fund management server and opens the first fund management server with its account fund or credit line as a margin;

   Freeing funds of the first party that are equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher;

   Sending the electronic commitment payment voucher to a second fund management server, causing the second fund management server to issue a first fund equal to the value of the electronic commitment payment voucher to the second participant; wherein the issuance The first funds are set by the second money management server to be returned within a predetermined time.
8. A lending method, wherein the method comprises:

   The second fund management server receives an electronic commitment payment voucher opened by the first fund management server according to the application of the first participant; wherein the application is for the first participant to receive the loan request of the second participant The value of the electronic commitment payment voucher issued by the first fund management server is less than the value of the loan requested by the second participant, and the first participant uses the account fund or the credit line as the margin to the first party. A fund management server applies for and is opened by the first fund management server;

   Delivering, to the second participant, a first fund equal to the value of the electronic commitment payment voucher;

   And issuing a second fund to the second participant according to the remaining loan request initiated by the second participant; wherein, the sum of the value of the first fund and the second fund is equal to the loan value of the loan request, The first funds and the second funds are set by the second money management server to be returned within a predetermined time.
9. A data interaction processing method, wherein the method comprises:

   The first data initiator makes an application to the first service party according to the data requestor initiating a data request that needs to add a first data value to its data unit, and is opened by the first service party according to the application of the first data initiator. a data credential of a first data value size; wherein the data credential is a quantification tool for a pre-established data association relationship between the first data originator and the first service party;

   The first servant locks, according to the data credential opened by the first servant, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential;

   Receiving, by the second server, the data certificate opened by the first service party, and adding a data value equal to the first partial data size to the data requestor data unit; wherein the second service party is set within a predetermined time The data requestor shall add a data value equal to the size of the first partial data to the second servant data unit;

   Transmitting, by the data requester, a data request that is equal to a size of a data of a second partial data, and adding a data value equal to the size of the second partial data to the data requestor data unit. Wherein the sum of the data values of the first partial data and the second partial data is the first data value.
10. A data interaction processing system, wherein the system comprises:

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

    a data originating terminal, configured to apply for opening a data credential according to the first data request;

    a first server, configured to open a data credential smaller than the first data value according to the application, and lock the data unit in the data unit of the first data originating terminal according to the data credential opened by the application a first part of data that is equal in size of data values; wherein the data voucher is a quantification tool for pre-established data association relationship between the first data originating terminal and the first server;

    a second server, configured to receive the data credential opened by the first server, and add a data value equal to the first partial data size to the data requesting terminal data unit; and initiate a request according to the data requesting terminal a data request for increasing a data value equal to a second partial data size, adding a data value equal to the second partial data size to the data request terminal data unit;

    The sum of the data values of the first partial data and the second partial data is the first data value; the second server is set to increase the data requesting terminal to the second server data unit within a predetermined time The first data is equal in size to the data value.
11. A data interaction processing method, wherein the method comprises:

    The first server opens a data credential smaller than the first data value according to an application that the data requester received by the first data initiator initiates a first data request that needs to add a first data value to its data unit; The data credential is a quantification tool for pre-established data association relationship between the first data initiator and the first service party;

    And locking, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher;

    Sending the data voucher to the second server, causing the second service direction to add a data value equal to the first partial data size to the data requester data unit; wherein the second service party is set at a predetermined The data requestor shall add a data value equal to the size of the first partial data to the second servant data unit.
12. A data interaction processing device, wherein the device comprises:

    a data credential opening module, configured to initiate a data credential smaller than the first data value according to a data requester received by the first data initiator to initiate a first data request that needs to add a first data value to its data unit Wherein the data credential is a quantification tool for pre-established data association relationship between the first data originating terminal and the device;

    a processing module, configured to lock, according to the data credential, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential;

    a issuing module, configured to send the data voucher to a second service party, to cause the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein, the second The servant sets the data requestor to add a data value equal to the first partial data size to the second servant data unit within a predetermined time.
13. A data interaction processing method, wherein the method comprises:

    Receiving, by the second server, a data credential opened by the first service party according to the application of the first data initiator; wherein the request is initiated by the first data initiator to receive data, and the first request is required to add a first data to the data unit The first data request is sent by the first data request, and the data voucher is smaller than the first data value, and is a quantization of a pre-established data association relationship between the first data initiator and the first service party. tool;

    Adding to the data requestor data unit a data value equal to the first partial data size;

    And adding, according to the data request by the data requester, a data request that increases the data value equal to the second partial data size, adding a data value equal to the second partial data size to the data requestor data unit;

    The sum of the data values of the first partial data and the second partial data is the first data value; the second server is set to be added to the second server data unit by the data requester within a predetermined time. The first data is equal in size to the data value.
14. A data interaction processing device, wherein the device comprises:

    a receiving module, configured to receive a data credential opened by the first service party according to the application of the first data initiator; wherein the request is sent by the first data initiator to the data requester to initiate an increase to the data unit And sending, by the first data request of the data value, the data voucher is smaller than the first data value, and is a pre-established data association relationship between the first data initiator and the first service party. Quantitative tools;

    a issuing module, configured to add, to the data requestor data unit, a data value equal to the first partial data size; and a data request initiated by the data requestor to increase a data value equal to a second partial data size, Adding to the data requestor data unit a data value equal to the size of the second partial data;

    The sum of the data values of the first partial data and the second partial data is the first data value; the second server is set to be added to the second server data unit by the data requester within a predetermined time. The first data is equal in size to the data value.