WO2016191930A1

WO2016191930A1 - Lending method, and data interaction processing method, device and system

Info

Publication number: WO2016191930A1
Application number: PCT/CN2015/080261
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Also published as: CA2987688C; CA2987688A1; CN106104620A

Abstract

Disclosed are a lending method, and a data interaction processing method, device and system. The lending method comprises: according to borrowing requests of second and third participants, a first participant applies to a first funds management server to open an electronic commitment payment certificate, the value being less than a borrowing total; according to the electronic commitment payment certificate, the first funds management server freezes funds of the first participant which are equal to the value of the electronic commitment payment certificate; a second funds management server respectively grants funds to first and second borrowers according to the electronic commitment payment certificate, the granted funds being set by the first 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

【技术领域】[Technical Field]

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

【背景技术】【Background technique】

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.

【发明内容】 [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: a first party according to a first borrowing request of a second party and a second borrowing request of a third party Applying to the first fund management server to issue an electronic commitment payment certificate; wherein, the value of the electronic commitment payment certificate is less than a sum of the loan value requested by the first and second borrowers; and the electronic commitment payment certificate is the first The 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; the first fund management server freezes according to the electronic commitment payment certificate opened by the first fund management server The first participant's funds equal to the electronic commitment payment voucher value; the second fund management server receives the electronic commitment payment voucher opened by the first fund management server, and to the second participant Issuing the first part of the frozen funds and issuing the second of the frozen funds to the third party a sub-fund; wherein the sum of the value of the first portion of funds and the second portion of funds is equivalent to the frozen funds, and the value of the first portion of funds is less than the borrowing value of the first loan request, the second The value of the partial funds is less than the loan value of the second loan request; and the second fund management server issues the remaining loan request initiated by the second participant and the third participant to the second participant a third fund, and a fourth fund is issued to the third party; wherein a sum of the value of the first portion of funds and the third fund is equal to a loan value of the first loan request, the second portion of funds The sum of the values of the fourth funds is equal to the loan value of the second loan request, and the first and second funds and the third and fourth funds are set by the second money management server to be returned within a predetermined time. .

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: receiving, by a first fund management server, a first loan request initiated by a second participant and a third party initiated by the third party a second loan request, opening a corresponding electronic commitment payment certificate; the value of the electronic commitment payment certificate is less than a sum of the loan value requested by the first and second borrowers; and the electronic commitment payment certificate is the first participant Applying to the first fund management server by the account fund or the credit line as a deposit and opening by the first fund management server; freezing the first participant according to the electronic commitment payment certificate opened by the first fund management server a fund equal to the value of the electronic commitment payment voucher; transmitting the electronic commitment payment voucher to a second fund management server, causing the second fund management server to issue the first of the frozen funds to the second participant Part of the funds, the second part of the frozen funds is issued to the third party; wherein The sum of the value of the part of the funds and the second part of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the value of the borrowings requested by the first borrowing, and the value of the second part of the funds is less than the said The borrowing value of the two loan requests, the first and second funds are set by the second fund management server to be returned within a predetermined time.

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 second fund management server receiving an electronic correspondingly opened by the first fund management server according to the application of the first participant Committed to the payment voucher; wherein the application is a first loan request initiated by the second participant and a second loan request initiated by the third participant, the value of the electronic commitment payment voucher being less than the first and second borrower requests a sum of the loan value; the electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a margin and opened by the first fund management server; The second participant issues a first portion of the frozen funds, and issues a second portion of the frozen funds to the third participant; wherein the first portion of funds and the second portion of funds The sum of the value is equivalent to the frozen funds, and the value of the first part of the funds is less than the borrowing of the first borrowing request a value, the value of the second part of the funds is less than the borrowing value of the second loan request; and the second fund management server according to the remaining borrowing request initiated by the second party and the third party respectively The second participant issues a third fund, and issues a fourth fund to the third party; wherein the sum of the value of the first portion of funds and the third fund is equal to the borrowing value of the first loan request, The sum of the value of the second portion of funds and the fourth fund is equal to the loan value of the second loan request, and the first and second portions of funds and the third and fourth funds are set by the second fund management server. Returned within the scheduled time.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the data initiator initiating a first data request requiring the first data according to the first data requester, and the second The data requester initiates a second data request that requires the second data, and respectively submits an application to the first service party, and the first service party opens the corresponding data certificate; wherein the data value represented by the data certificate is smaller than a sum of data values of the first and second data, wherein the data voucher is a quantification tool for pre-established data association relationship between the data initiator and the service party; the first service party is opened according to the data The data credential locks data in the data originator data unit that is equal in size to the sum of the data values represented by the data credential; the second service party receives the data credential opened by the first service party, and a data requestor data unit is added with the first partial data value, and a second partial number is added to the second data requestor data unit a value; wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, the second The partial data value is smaller than the data value of the second data; and the second service party sends the data request to the first data according to the data request of the first data requester and the second data requester respectively The requester data unit increases a data value equal to the third partial data size, and adds a data value equal to the fourth partial data size to the second data requestor data unit; wherein the first and third partial data data The sum of the values is the first data value, the sum of the data values of the second and fourth portions of data is the second data value, and the first, second, third, and fourth portions of data are set by the second server Returned within the scheduled time.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing system, the system comprising: a first data requesting terminal, configured to initiate a first data value to be added to a data unit thereof a second data requesting terminal, configured to initiate a second data request that needs to add a second data value to the data unit; and a data originating terminal, configured to open the first data request and the second data request respectively An application for the data credential; the first server, configured to open a corresponding data credential according to the application filed by the data originating terminal, and lock the data credential in the data initiating unit and the data credential according to the data credential opened by the data credential Data representing a sum of data values equal in size; wherein the data value represented by the data voucher is less than a sum of data values of the first and second data; the data voucher is the data originator and the a quantification tool for pre-established data association relationship between the service parties; a second server, configured to receive the first service party to open And according to the voucher, adding a first partial data value to the first data requestor data unit, and adding a second partial data value to the second data requestor data unit; and the second service party according to the a data request for increasing the data value initiated by the data requestor and the second data requester, respectively, adding a data value equal to the third partial data size to the first data requestor data unit, to the second data requester The data unit increases a data value equal to the fourth portion of the data size; wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is less than a data value of the first data, the second partial data value is smaller than the data value of the second data; the sum of the data values of the first and third partial data is the first data value, the second, The sum of the data values of the four portions of data is the second data value, and the first, second, third, and fourth portions of data are set by the second server to be returned within a predetermined time.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first service party initiates a need to the data unit according to the first data requester received by the data initiator Generating a first data request of the first data value and a second data requestor initiating a second data request to add a second data value to the data unit to open a corresponding data credential; wherein the data credential is represented by The data value is smaller than the sum of the data values of the first and second data; the data voucher is a quantification tool for pre-established data association relationship between the data initiator and the service party; The data credential locks data in the data originator data unit that is equal in size to the sum of the data values represented by the data credential; and transmits the data credential to the second service party to cause the second service direction to be the first a data requestor data unit is added with the first partial data value, and a second partial number is added to the second data requestor data unit a value; wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, the second The partial data value is smaller than the data value of the second data.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes: a data credential opening module, configured to initiate a request according to a first data requester received by a data initiator a first data request for adding a first data value to its data unit and a second data requestor initiating a second data request to add a second data value to its data unit to open a corresponding data credential; wherein the data credential The data value represented by the data is smaller than the sum of the data values of the first and second data; the data voucher is a quantification tool for pre-established data association relationship between the data initiator and the service party; Locking data in the data originator data unit equal to a sum of data values represented by the data voucher in the data credential opened according to the data credential; and issuing a module for transmitting the data credential to the second The service party causes the second service direction to add the first data requester data unit to the first part of the data value, and to the The second data requester data unit adds a second partial data value; wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than A data value of the first data, the second partial data value being smaller than a data value of the second data.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: receiving, by a second service party, a first service party to open a corresponding data certificate according to an application of a data initiator Wherein the application is that the data originator respectively receives the first data requestor to initiate a first data request that needs to add a first data value to its data unit, and the second data requestor initiates the need to add a second to its data unit And sending, by the second data request of the data value, the data value represented by the data voucher is smaller than the sum of the data values of the first and second data; the data voucher is the data initiator and the service party a quantization tool for pre-established data association relationships; adding a first partial data value to the first data requestor data unit, and adding a second partial data value to the second data requestor data unit; wherein The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial number The value is smaller than the data value of the first data, the second partial data value is smaller than the data value of the second data; and the increased data value is respectively initiated according to the first data requester and the second data requester Data request, adding a data value equal to the third partial data size to the first data requestor data unit, and adding a data value equal to the fourth partial data size to the second data requestor data unit; The sum of the data values of the first and third portions of data is the first data value, the sum of the data values of the second and fourth portions of data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within a predetermined time.

In order to solve the above technical problem, a technical solution adopted by the present invention is to provide a data interaction processing device, where the device includes: a receiving module, configured to receive a first service party to open a data credential according to an application of a data initiator; Wherein the application is that the data originator respectively receives a first data requestor to initiate a first data request that needs to add a first data value to its data unit, and the second data requestor initiates a need to add a second data to its data unit. And the second data request of the value is sent, the data value represented by the data voucher is smaller than the sum of the data values of the first and second data; the data voucher is the data initiator and the service party a quantification tool for pre-established data association relationships; and an issuance module for adding a first partial data value to the first data requestor data unit and a second partial data to the second data requestor data unit a value; and a data request for increasing the data value respectively initiated by the first data requester and the second data requester The first data requester data unit increases a data value equal to the third partial data size, and adds a data value equal to the fourth partial data size to the second data requestor data unit; wherein the first partial data value And the sum of the second partial data value and the data value of the locked data are equal, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second data a data value; the sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value, the first, second, The third and fourth portions of data are set by the second server to be returned within a predetermined time.

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.

【附图说明】 [Description of the Drawings]

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

2 is a schematic 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.

【具体实施方式】【detailed description】

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

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

Step S10: The first participant applies to the first fund management server to issue an electronic commitment payment voucher according to the first party's first loan request and the third party's second loan request. The value of the electronic commitment payment certificate is less than the sum of the loan value requested by the first and second borrowers. The electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a margin and opened by the first fund management server.

In this embodiment, the first participant is a loan originator, and the second and third participants are borrowers.

Referring to FIG. 2, further, step S10, that is, the first party applies to the first fund management server to issue an electronic commitment payment certificate according to the first party's first loan request and the third party's second loan request. Specifically, the following steps are implemented:

In step S10a, the second participant and the third participant respectively initiate the first loan request and the second loan request belonging to one item 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 first loan request and the second loan request, and submits an application to the first fund management server according to the first loan request and the second loan request, and the first fund is The management server opens the electronic commitment payment voucher.

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 first participant's funds 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 first participant in the first fund management server, or the first fund management server gives the first participant a credit line, or the first participant in the first 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 part of the frozen funds to the second participant, and issues the freeze to the third participant. The second part of the funds. Wherein, the sum of the value of the first part of the funds and the second part of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the value of the borrowings requested by the first borrowing, and the value of the second part of the funds is less than the second borrowings. The value of the loan requested.

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

Further, before the second fund management server issues funds to the second and third parties, the third party is also assessed for credit, and the funds are issued when the evaluation is qualified.

For example, the first borrower issues a first loan request with a loan of 100,000, and the second borrower issues a second loan request with a loan of 80,000. The loan initiator applies to the first bank after receiving the first and second loan requests. The electronic commitment payment certificate has a value equivalent to 150,000, which is less than the sum of the first loan request and the second loan request, and is greater than the first loan request or the second second loan request. The first bank opens an electronic commitment payment voucher according to the application of the loan originator, and freezes the assets of the loan originator in the first bank according to the opened electronic commitment payment voucher, wherein the value of the frozen asset and the electronic commitment payment voucher The sum of the values is equal. For example, the frozen loan originator’s 150,000 in bank deposits is used as a guarantee for the loan originator. Then, the second bank receives the electronic commitment payment voucher opened by the first bank, and allocates the 150,000 according to the loan request of the first borrower and the second borrower, for example, grants 75,000 of the 150,000 funds to the first loan. Fang, the remaining 75,000 will be distributed to the second borrower. Then, the first borrower and the second borrower respectively make a loan request to the bank for the remaining part of the loan, and the bank issues 25,000 funds to the first borrower when the credit evaluation of the first borrower and the second borrower is qualified. Issue 0.5 million funds to the second borrower.

For the lender, the 150,000 deposits in the bank are not borrowed by the bank to the borrower, but are not frozen by the bank. The 150,000 deposit is still in the lender’s account and belongs to the lender, so the risk is greatly reduced. At the same time, because the 150,000 deposits still belong to themselves, it is possible to 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 lending of 150,000 funds is guaranteed by the lender’s frozen 150,000 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 lending 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 separately requests the first fund management server to open an electronic commitment payment voucher that is less than the sum of the requested loan value when receiving the borrowing request of the second party and the third party, so that the first fund management server is opened. After the electronic commitment to pay the voucher, the corresponding funds of the first party are frozen, and the second fund management server issues funds equal to the value of the requested loan to the second and third parties according to the electronic commitment payment voucher, and the second fund management The server issues the remaining loans directly to the third party. Therefore, the fund management server is used as an intermediary platform of the third party and the participant to participate in the guarantee to the fund management server, and the fund management server issues the loan to the third party, 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 the first loan request initiated by the second participant and the second loan request initiated by the third participant, respectively, and opens the corresponding electronic commitment payment certificate. The value of the electronic commitment payment certificate is less than the sum of the borrowing value requested by the first and second borrowers. The electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a margin and opened by the first fund management server.

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

The frozen funds are respectively the deposit of the first participant in the first fund management server, or the credit amount given by the first fund management server to the first party, or the first party in the first fund management Server mortgaged real estate.

Step S22, the electronic commitment payment certificate is sent to the second fund management server, so that the second fund management server issues the first part of the frozen funds to the second participant, and issues the frozen funds to the third participant. The second part of the fund. Wherein, the sum of the value of the first part of the funds and the second part of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the value of the borrowings requested by the first borrowing, and the value of the second part of the funds is less than the second borrowings. The requested loan value, the first and second funds are set by the second fund management server to be returned within a predetermined time.

Further, the second fund management server issues a third fund to the second participant according to the remaining borrowing request initiated by the second participant and the third participant, and issues a fourth fund to the third participant. Wherein, the sum of the value of the first portion of funds and the third amount of funds is equal to the value of the loan requested by the first loan, the sum of the value of the second portion of funds and the fourth amount of funds is equal to the value of the loan requested by the second loan, and the The first and second funds and the third and fourth funds 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 S30: 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. The application is a first loan request initiated by the second party and a second loan request initiated by the third party, and the value of the electronic commitment payment certificate is less than the sum of the loan values requested by the first and second borrowers. The electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a margin and opened by the first fund management server.

Step S31, the first part of the frozen funds is issued to the second party, and the second part of the frozen funds is issued to the third party. Wherein, the sum of the value of the first part of the funds and the second part of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the value of the borrowings requested by the first borrowing, and the value of the second part of the funds is less than the second borrowings. The value of the loan requested.

Step S32: The second fund management server issues a third fund to the second participant according to the remaining loan request initiated by the second participant and the third participant, and issues a fourth fund to the third participant. Wherein, the sum of the value of the first portion of funds and the third amount of funds is equal to the value of the loan requested by the first loan, the sum of the value of the second portion of funds and the fourth amount of funds is equal to the value of the loan requested by the second loan, and the The first and second funds and the third and fourth funds are set by the second 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 data initiator initiates an application to the first service party according to the first data requester initiating the first data request requiring the first data and the second data requestor to initiate the second data request requiring the second data, and The first service party opens a corresponding data certificate. The data value represented by the data voucher is smaller than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

Step S41, the first server locks data in the data initiator data unit that is equal in size to the sum of the data values represented by the data certificate according to the data certificate opened by the first server.

Further, the first and second data requesters initiate a data request through the first server platform.

Step S42, the second server receives the data certificate opened by the first server, adds the first part data value to the first data requester data unit, and adds the second part data value to the second data requester data unit. . The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data.

Specifically, the data initiator opens the data credential 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, and the data initiator passes the electricity. The merchant platform opens the data voucher in response to the data request.

Step S43, the second serving party adds data equal to the third partial data size to the first data requester data unit according to the data request for increasing the data value initiated by the first data requester and the second data requester respectively. a value that adds a data value equal to the fourth partial data size to the second data requestor data unit. The sum of the data values of the first and third portions of data is the first data value, and the sum of the data values of the second and fourth portions of data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within a predetermined time.

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 service party initiates a first data request that needs to add a first data value to its data unit according to the first data requester received by the data initiator, and the second data requester initiates the need to add a second data to the data unit. A second data request for the data value opens the corresponding data credential. The data value represented by the data voucher is smaller than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

Specifically, the first and second data requesters initiate corresponding data requests through the first server platform. The data initiator submits an application for opening data credentials to the service party through the second server platform.

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 submits an application for opening a data voucher to the first service party in response to the data request.

Step S51: Lock the data in the data originator data unit according to the sum of the data values represented by the data voucher according to the data credential opened by the data credential.

Step S52, the data voucher is sent to the second service party, so that the second service direction increases the first data requester data unit with the first partial data value, and adds the second partial data to the second data requester data unit. value. The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data.

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 first service party to open the corresponding data certificate according to the application of the data initiator. Wherein the application is that the data originator respectively receives the first data requestor to initiate a first data request that needs to add a first data value to its data unit, and the second data requestor initiates a need to add a second data value to its data unit. The second data request is sent, and the data value represented by the data voucher is smaller than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

Step S61, adding a first partial data value to the first data requestor data unit, and adding a second partial data value to the second data requestor data unit. The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data.

Step S62, according to the data request for increasing the data value initiated by the first data requester and the second data requester, adding a data value equal to the third partial data size to the first data requestor data unit, to the first The two data requester data units increase the data value equal to the fourth portion of the data size. The sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within the predetermined time.

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 first data requesting terminal 71, a second data requesting terminal 72, a data originating terminal 73, a first server 74, and a second server 75.

The first 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 second data requesting terminal 72 is configured to initiate a second data request that requires a second data value to be added to its data unit.

The first data requesting terminal 71 and the second data requesting terminal 72 initiate a data request through the first server platform.

The data originating terminal 73 is configured to submit an application for opening a data credential according to the first data request and the second data request, respectively.

Specifically, the data originating terminal 73 applies to the first server 74 for opening the data credential through the second server platform.

Further, the 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. Upon completion of the initiation of the data request, the data origination terminal 73 submits an application to the first server 74 via the e-commerce platform response data request.

The first server 74 is configured to open a corresponding data voucher according to the application initiated by the data initiating terminal 73, and lock the sum of the data values represented by the data voucher and the data voucher according to the data voucher opened by the first server 74. Equal data. The data value represented by the data voucher is smaller than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

The second server 75 is configured to receive the data credential opened by the first server 74, add a first partial data value to the first data requester data unit, and add a second part to the second data requestor data unit. Data value. And the second service party adds a data value equal to the third partial data size to the first data requester data unit according to the data request for increasing the data value initiated by the first data requester and the second data requester respectively. A data value equal to the fourth partial data size is added to the second data requestor data unit.

The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data. The sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within the predetermined time.

In this embodiment, the first server 74 is a first money management server, and the first money management server may be a bank. The second server 75 is a second money management server, and the second money management server may be a bank.

In other embodiments, the first server 74 and the second server 75 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 an 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 initiate, according to the first data requester received by the data initiator, a first data request that needs to add a first data value to the data unit, and the second data requestor initiates a need to the data unit A second data request of the second data value is added to open the corresponding data credential. The data value represented by the data voucher is smaller than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

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 data in the data originator data unit that is equal in size to the sum of the data values represented by the data credential according to the data credential opened by the processing module 82.

The issuance module 83 is configured to send the data voucher to the second service party, so that the second service direction increases the first data requester data unit with the first partial data value, and adds the first data to the second data requestor data unit. Two partial data values. The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data.

Further, for the remaining data, the second server adds a data size to the third data part to the first data requester data unit according to the data request for increasing the data value initiated by the first data requester and the second data requester respectively. Equal data values, adding data values equal to the fourth portion of data size to the second data requestor data unit. The sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within the predetermined time.

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 the first service party to open the data credential according to the application of the data initiator. Wherein the application is that the data originator respectively receives the first data requestor to initiate a first data request that needs to add a first data value to its data unit, and the second data requestor initiates a need to add a second data value to its data unit. The data value represented by the second data request is less than the sum of the data values of the first and second data. The data credential is a quantification tool for pre-established data association relationship between the data originator and the service party.

The issuance module 92 is configured to add a first partial data value to the first data requestor data unit and a second partial data value to the second data requestor data unit. The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the second The data value of the data. as well as

And according to the data request for increasing the data value initiated by the first data requester and the second data requester, adding a data value equal to the third partial data size to the first data requestor data unit, and requesting the second data The square data unit adds a data value equal to the fourth portion of the data size. The sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value, and the first, second, third, and fourth portions of data are The second servant is set to return within the predetermined time.

The invention provides a lending method, a data interaction processing method, a device and a system, and a data voucher is used to pre-establish a data association relationship between a data initiator and a service party, and when the data initiator receives the first and second data requesters When a data request for the first and second data is initiated, the corresponding data certificate is opened to the service party, and the value is smaller than the sum of the data values requested by the first and second data requesters, so that the service party freezes the sum of the data voucher value and the data initiator. The data association relationship between the second server and the second data requester data unit is added to the corresponding data value according to the data credential. In the data interaction process, since the data initiator (the first party) and the data requester (the second and third parties) join the service party, and establish the data initiator and the service party, the service party and The data interaction relationship between data 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 to appear on either party. When the problem occurs, the corresponding data (or data association relationship) can still be restored by means of the data interaction relationship between the other two parties, 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

A lending method, wherein the method comprises:

The first participant applies to the first fund management server to issue an electronic commitment payment certificate according to the first party's first loan request and the third party's second loan request; wherein the value of the electronic commitment payment certificate is less than The sum of the loan value requested by the first and second borrowers; the electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a security deposit and managed by the first fund Server opened

The first fund management server freezes funds of the first participant's value equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher 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 part of the frozen funds to the second participant, and distributing the funds to the third participant The second part of the funds is frozen; wherein, the sum of the value of the first part of funds and the second part of funds is equivalent to the frozen funds, and the value of the first part of funds is less than the first loan request The value of the borrowing, the value of the second portion of the funds is less than the value of the borrowing of the second borrowing request;

The second fund management server issues a third fund to the second participant according to the remaining borrowing request initiated by the second participant and the third participant, and issues a fourth fund to the third participant. Wherein, the sum of the value of the first portion of funds and the third funds is equal to the value of the loan of the first loan request, and the sum of the values of the second portion of funds and the fourth funds is equal to the second loan request The loan value, and the first and second funds and the third and fourth funds are set by the second money management server to be returned within a predetermined time.
The lending method according to claim 1, wherein the first party applies to the first fund management server for issuing an electronic commitment payment according to the first party's first loan request and the third party's second loan request. The steps for the voucher include:

The second participant and the third participant respectively initiate the first loan request and the second loan request belonging to one item through a server platform;

Receiving, by the first participant, the first loan request and the second loan request, and submitting an application to the first fund management server according to the first loan request and the second loan request, and The first fund management server opens the electronic commitment payment voucher.
The lending method according to claim 1, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank.
The lending method according to claim 2, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank.
The lending method according to claim 1, wherein said first money management server and said second money management server are the same money management server.
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.
A lending method, wherein the method comprises:

Receiving, by the first fund management server, a first loan request initiated by the second participant and a second loan request initiated by the third participant, opening a corresponding electronic commitment payment certificate; the value of the electronic commitment payment certificate is less than the first The sum of the loan value requested by the borrower and the borrower; the electronic commitment payment voucher is applied to the first fund management server by the first party with its account fund or credit line as a deposit and managed by the first fund Server opened

And freezing the first participant's funds equal to the value of the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the electronic participant;

Sending the electronic commitment payment voucher to the second fund management server, causing the second fund management server to issue the first part of the frozen funds to the second participant, and distributing the funds to the third participant The second part of the frozen funds; wherein the sum of the first part of the funds and the second part of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the first borrowing request The value of the loan, the value of the second part of the fund is less than the value of the loan requested by the second loan, and the first and second funds are set by the second fund management server to be returned within a predetermined time.
A lending method, wherein the method comprises:

The second fund management server receives an electronic commitment payment voucher correspondingly opened by the first fund management server according to the application of the first participant; wherein the application is a first loan request initiated by the second participant and the third party initiates The second loan request, the value of the electronic commitment payment voucher is less than the sum of the loan value requested by the first and second borrowers; and the electronic commitment payment voucher is used by the first participant as its account fund or credit line The deposit is applied to the first fund management server and opened by the first fund management server;

Distributing a first portion of the frozen funds to the second party, and distributing a second portion of the frozen funds to the third party; wherein the first portion of funds and the second portion The sum of the value of the funds is equivalent to the frozen funds, and the value of the first part of the funds is less than the value of the borrowings requested by the first borrowing, and the value of the second part of the funds is less than the value of the borrowings requested by the second borrowings;

The second fund management server issues a third fund to the second participant according to the remaining borrowing request initiated by the second participant and the third participant, and issues a fourth fund to the third participant. Wherein, the sum of the value of the first portion of funds and the third funds is equal to the value of the loan of the first loan request, and the sum of the values of the second portion of funds and the fourth funds is equal to the second loan request The loan value, and the first and second funds and the third and fourth funds are set by the second money management server to be returned within a predetermined time.
A data interaction processing method, wherein the method comprises:

The data initiating party initiates an application to the first service party according to the first data requesting party to initiate the first data request requiring the first data and the second data requesting party to initiate the second data request requiring the second data, and the first a service party opens a corresponding data voucher; wherein the data value represented by the data voucher is smaller than a sum of data values of the first and second data; the data voucher is the data initiator and the service party a quantitative tool for pre-established data associations;

The first service party locks data in the data initiator data unit that is equal in size to a sum of data values represented by the data certificate according to the data certificate opened by the first server;

Receiving, by the second server, the data credential opened by the first service party, adding a first partial data value to the first data requestor data unit, and adding a second partial data value to the second data requestor data unit Wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, the second part The data value is less than the data value of the second data;

And the second serving party adds data equal to the third partial data size to the first data requester data unit according to the data request for increasing the data value initiated by the first data requester and the second data requester respectively a value, adding a data value equal to the fourth partial data size to the second data requestor data unit; wherein, the sum of the data values of the first and third partial data is the first data value, the second The sum of the data values of the four parts of data is the second data value, and the first, second, third, and fourth parts of data are set by the second service party to be returned within a predetermined time.
A data interaction processing system, wherein the system comprises:

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

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

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

a first server, configured to open a corresponding data credential according to the application initiated by the data initiating terminal, and lock the data value represented by the data credential in the data initiator data unit according to the data credential opened by the first server Data of equal sum size; wherein the data value represented by the data voucher is less than a sum of data values of the first and second data; the data voucher is pre-initiated between the data initiator and the service party Quantitative tools for establishing data associations;

a second server, configured to receive the data credential opened by the first service party, add a first partial data value to the first data requestor data unit, and add a second portion to the second data requestor data unit a data value; and the second server adds a third portion of data to the first data requester data unit according to the data request for increasing the data value initiated by the first data requester and the second data requester respectively Equally sized data values, adding data values equal to the fourth portion of data size to the second data requestor data unit;

The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data The value is smaller than the data value of the second data; the sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value The first, second, third, and fourth portions of data are set by the second service party to be returned within a predetermined time.
A data interaction processing method, wherein the method comprises:

The first service party initiates a first data request that needs to add a first data value to its data unit according to the first data requestor received by the data initiator, and the second data requestor initiates a need to add a second data value to its data unit. And corresponding to the second data request, wherein the data credential represented by the data credential is smaller than a sum of the data values of the first and second data; the data credential is the data initiator and the a quantitative tool for pre-establishing data associations between service providers;

Locking, according to the data credential opened by the data, the data in the data originator data unit that is equal in size to the sum of the data values represented by the data credential;

Transmitting the data credential to a second servant, causing the second service direction to add the first data requester data unit to the first partial data value, and adding the second portion to the second data requestor data unit a data value; wherein the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, the first The two partial data values are smaller than the data values of the second data.
A data interaction processing device, wherein the device comprises:

a data credential opening module, configured to initiate, according to the first data requester received by the data initiator, a first data request that needs to add a first data value to the data unit, and the second data requestor initiates an increase to the data unit And corresponding data credentials are opened by the second data request of the second data value; wherein the data value represented by the data credential is smaller than a sum of data values of the first and second data; the data credential is initiated by the data A quantification tool for pre-established data associations between the party and the service party;

a processing module, configured to lock data in the data originator data unit that is equal in size to a sum of data values represented by the data voucher according to the data credential opened; and

a issuing module, configured to send the data voucher to a second service party, to cause the second service direction to add the first data requester data unit to the first partial data value, and to the second data requestor data The unit adds a second partial data value; wherein, the sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data of the first data a value, the second partial data value being less than a data value of the second data.
A data interaction processing method, wherein the method comprises:

Receiving, by the second service party, the first service party to open a corresponding data certificate according to the application of the data initiator; wherein the application is that the data initiator separately receives the first data requester and initiates the need to add a first data to the data unit a first data request of the data value and a second data requestor initiating a second data request to add a second data value to the data unit, the data value represented by the data voucher being less than the first and second a sum of data values of the data; the data voucher is a quantification tool for pre-established data association relationship between the data originator and the service party;

Adding a first partial data value to the first data requestor data unit, and adding a second partial data value to the second data requestor data unit; wherein the first partial data value and the second partial data The sum of the values is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data value is smaller than the data value of the second data;

And adding, according to the data request for increasing data value initiated by the first data requester and the second data requester, a data value equal to the third partial data size to the first data requestor data unit, to the first The data requestor data unit adds a data value equal to the fourth portion of the data size; the sum of the data values of the first and third portions of data is the first data value, and the sum of the data values of the second and fourth portions of data For the second data value, the first, second, third, and fourth portions of data are set by the second server to be returned within a predetermined time.
A data interaction processing device, wherein the device comprises:

a receiving module, configured to receive, by the first serving party, a data credential according to an application of the data initiator; where the request is that the data initiating party separately receives the first data requesting party to initiate the need to add the first data to the data unit a first data request of the value and a second data requestor initiating a second data request to add a second data value to the data unit, the data value represented by the data voucher being less than the first and second a sum of data values of the data; the data voucher being a quantitative tool for pre-established data association between the data originator and the service party;

a issuing module, configured to add a first partial data value to the first data requestor data unit, and a second partial data value to the second data requestor data unit; and according to the first data requestor a data request for increasing the data value initiated by the second data requestor, adding a data value equal to the third partial data size to the first data requestor data unit, and adding to the second data requestor data unit Four data values of equal data size;

The sum of the first partial data value and the second partial data value is equal to the data value of the locked data, and the first partial data value is smaller than the data value of the first data, and the second partial data The value is smaller than the data value of the second data; the sum of the data values of the first and third partial data is the first data value, and the sum of the data values of the second and fourth partial data is the second data value The first, second, third, and fourth portions of data are set by the second service party to be returned within a predetermined time.