WO2016191931A1 - Repayment method, and data interaction processing method, terminal and system - Google Patents

Abstract

Disclosed are a repayment method, and a data interaction processing method, terminal and system. The repayment method comprises: a first participant returns a loan to a second funds management server before a scheduled date; the second funds management server receives the loan returned by the first participant, and sends a notification to a first funds management server informing the first funds management server that the first participant has returned the loan; the first funds management server receives the notification sent by the second funds management server, and unfreezes funds of a second participant which are equal to the loan. The present invention reduces the lending risk for the second participant.

Description

Repayment method, data interaction processing method, terminal and system

[Technical Field]

The present invention relates to the field of credit, and in particular to a repayment method, a data interaction processing method, a terminal, and a 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 first party and the lender to reach an agreement through oral or written form. After the loan is provided to the borrower, the loan is brought to the lender because there is no mandatory repayment constraint. There is a big risk. Therefore, you need to consider how to use the network to achieve lending and reduce risk.

 [Summary of the Invention]

An object of the embodiments of the present invention is to provide a repayment method, a data interaction processing method, a terminal, and a system, which can reduce the borrowing risk of the second participant.

In order to solve the above technical problem, the first technical solution adopted by the embodiment of the present invention is to provide a method for repaying loans, including:

The first participant returns the loan to the second fund management server before the predetermined date, wherein the loan is issued by the second fund management server to the first participant according to the electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount;

Receiving, by the second fund management server, the loan returned by the first participant, and transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant;

The first fund management server receives the notification sent by the second fund management server, and thaws the second party's funds equal to the loan.

In order to solve the above technical problem, the second technical solution adopted by the present invention is to provide a method for repaying loans, including:

Receiving, by the first fund management server, a notification that the first participant has returned the loan sent by the second fund management server; wherein the loan is used by the second fund management server according to an electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher issued by the first participant is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount. ;

The first money management server thaws the second party's funds equal to the loan.

In order to solve the above technical problem, the third technical solution adopted by the present invention is to provide a method for repaying loans, and the method includes:

Receiving, by the second fund management server, the loan returned by the first participant; wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount;

Transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, so that the first fund management server and the loan are The same amount of funds will be thawed.

In order to solve the above technical problem, the fourth technical solution adopted by the present invention is to provide a data interaction processing method, and the method includes the following steps:

The data requester adds a first data value to the data unit of the second service party before the predetermined date, wherein the first data value is requested by the second service party to the data according to the data credential from the first service party The data voucher is opened by the first service party according to the application of the data initiator, and the data in the data unit of the data initiator is locked not less than the data of the first data value. ;

The second service direction sends a notification that the first service party informs the first service party that the data requester has added a first data value to the data unit of the second service party;

The first servant receives the notification sent by the second servant, and unlocks the data in the data unit of the data initiator corresponding to the data of the first data value size.

In order to solve the above technical problem, the fifth technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes:

Receiving, by the first servant, the data requester sent by the second servant has added a first data value notification to the data unit of the second servant; wherein the first data value is obtained by the second servant according to The data credential of the first servant is sent to the data requester, and the data credential is locked by the servant according to the application of the data initiator, and the value in the data unit of the data initiator is locked not less than the number a data value of the size of the data is opened;

The data in the data unit of the data initiator is equivalent to the data of the first data value size to be unlocked.

In order to solve the above technical problem, the sixth technical solution adopted by the present invention is to provide a data interaction processing method, where the method includes:

The second servant detects whether the data requester adds a first data value to the data unit of the second servant before the predetermined date; wherein the first data value is from the second servant according to the first The data credential of the service party is sent to the data requester, and the data voucher is locked by the service party according to the application of the data requester, and the value in the data unit of the data requester is not less than the first data. Value-sized data is opened afterwards;

And if the data requester adds a first data value to the data unit of the second server before a predetermined date, sending a notification to the first service party that the data requester has added the first data value And causing the first server to unlock the data in the data unit of the data initiator corresponding to the data of the first data value size.

In order to solve the above technical problem, the seventh technical solution adopted by the present invention is to provide a data interaction processing system, where the data interaction processing system includes: a data requesting terminal, a data originating terminal, a first server, and a second server.

The data requesting terminal is configured to add a first data value to a data unit of the second service before the predetermined date, wherein the first data value is used by the second server according to the data credential from the first server And sending, by the data requesting terminal, the data credential is opened by the first server according to the application of the data requesting terminal, and the data in the data unit of the data requesting terminal is not less than the data of the first data value. of;

The second server is configured to send, to the first server, a notification that the data requesting terminal of the first server has added a first data value to a data unit of the second server;

The first server is configured to receive the notification sent by the second server, and unlock the data in the data unit of the data initiator corresponding to the first data value.

In order to solve the above technical problem, the eighth technical solution adopted by the present invention is to provide a server, where the server includes a receiving module and an unlocking module.

The receiving module is configured to receive a data sent by the second server, requesting that the terminal has added a first data value notification to the data unit of the second server, where the first data value is obtained by the second server according to a data credential sent by the server to the data requesting terminal, where the data credential is requested by the first server according to the data originating terminal, and the value in the data unit of the data initiating terminal is locked not less than the first Data value size data is opened afterwards;

The unlocking module is configured to unlock data in a data unit of the data initiator that is equal to the size of the first data value.

In order to solve the above technical problem, the ninth technical solution adopted by the present invention is to provide a server, where the server includes a detection module and a sending module.

The detecting module is configured to detect whether the data requesting terminal adds a first data value to a data unit of the server before a predetermined date; the first data value is used by the second server according to a data credential from the first server Sending to the data requesting terminal, the data credential is determined by the first server according to the data initiating terminal, and the data in the data unit of the data initiating terminal is not less than the data of the first data value. Open later;

The sending module is configured to: when the data requesting terminal adds a first data value to the data unit of the second server before a predetermined date, send, to the first server, that the data requesting terminal has increased the first The notification of the data value causes the first server to unlock the data in the data unit of the data originating terminal corresponding to the data of the first data value size.

Different from the prior art, after the first participant of the present invention returns the loan to the second fund management server within the predetermined date, the second fund management server sends a notification to the first fund management server to notify the first party of the first fund management server. The notice of the loan has been returned, and the first fund management server unfreezes the second party's funds equal to the loan. By intervening the first fund management server and the second money management server into the lending of the first participant and the second participant, the risk of the loan can be effectively reduced, and the security of the fund can be ensured.

 [Description of the Drawings]

1 is a schematic flow chart of an embodiment of a method for refinancing a loan according to the present invention;

2 is a schematic flow chart of another embodiment of a repayment method of the present invention;

3 is a schematic flow chart of still another embodiment of the repayment method of the present invention;

4 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention;

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

6 is a schematic flow chart of still another embodiment of a data interaction processing method according to the present invention;

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

8 is a schematic structural diagram of an embodiment of a server according to the present invention;

9 is a schematic structural view of another embodiment of a server of the present invention.

【detailed description】

Referring to FIG. 1, FIG. 1 is a schematic flow chart of an embodiment of a method for repaying loans according to the present invention. The repayment method of this embodiment includes the following steps:

101: The first participant returns the loan to the second fund management server before the scheduled date.

Wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server, and the electronic commitment payment certificate is determined by the first fund management server according to the second participant. The application is opened after the second participant is not less than the amount of the loan amount.

Specifically, after the second participant participates in the request for the loan, the second participant applies to the first fund management server to open an electronic commitment payment certificate, wherein the electronic commitment payment certificate is the second participant's account fund. Or the credit line is applied as a deposit to the first fund management server and opened by the first money management server.

The first fund management server freezes at least part of the funds of the second participant according to the electronic commitment payment certificate opened by the first fund management server, and sends the electronic commitment payment certificate to the second fund management server, and the second fund management server issues the loan to the first participant. At the same time as the loan is issued, the first party is notified to return the loan within the scheduled date.

Wherein, the first fund management server provides the second participant with an electronic equivalent to the loan amount when determining that the second participant's account fund or credit line in the financial system is not less than the loan amount of the first participant Commit to paying the voucher.

Wherein, the first fund management server and the second fund management server are banks or other financial institutions, and the two funds may be the same institution, or may be different institutions, when the first fund management server and the second gold management server are In the case of different institutions, the loan and loan process is realized by the method of this embodiment.

For example, the first participant sends a loan request with a loan of 100,000, and the second party applies to the first fund management server after receiving the loan request, and the first fund management server opens a 100,000 electronic commitment payment certificate. The first fund management server freezes part of the funds of the second party in the first fund management server, such as 120,000, wherein the amount of the frozen funds is not less than the amount of the loan. Then, the first fund management server sends the electronic commitment payment certificate to the second fund management server, and after receiving the electronic commitment payment certificate, the second fund management server issues a loan of 100,000 to the first participant, and stipulates the first participation. The party will return the loan within 6 months.

The first participant returns the loan to the second fund management server within six months of the scheduled date.

102: The second fund management server receives the loan returned by the first participant, and sends a notification to the first fund management server that the first fund management server has returned the loan to the first participant. Notice.

Specifically, since the loan is equivalent to the loan directly sent by the second fund management server to the first party, the first party also needs to pay the loan interest payable during the loan period to the fund management server.

The second fund management server receives the loan and loan interest returned by the first participant, and then sends a notification to the first fund management server to inform the first fund management server that the first participant has returned the loan.

In addition, since the first participant returns the loan issued by the second fund management server within the predetermined time, which is an act of good faith, the second fund management server incorporates the current payback record of the first party into the bank credit system, and Enhance the level of the first participant in their bank integrity system to facilitate the participation of the first participant in other activities of the fund management server.

Moreover, for the first party, although it borrowed from the second party and did not directly borrow from the fund management server, ie the bank, the actual amount came from the bank, and the payment was subsequently returned to the bank, based on the bank’s strength. Strength and counter-force will strengthen self-discipline to cooperate with the second party to complete the lending process, and further reduce the risk of the second party. At the same time, because of the strong strength of the bank, the loan process will be smoother and convenient for the first party. .

For the bank, the 100,000 funds lent out are guaranteed by the frozen 100,000 stores of the second party. The risk is not entirely borne by the other party. At the same time, due to its strong strength and counter-force, it can guarantee the loan to a certain extent. The smooth completion of the process; after successful completion, can increase potential customers, obtain more customer information, and can also obtain additional benefits from the lending process.

103: The first fund management server receives the notification sent by the second fund management server, and thaws the second party's funds equal to the loan.

After receiving the notification sent by the second fund management server, the first fund management server determines that the first party has returned the loan on schedule, and unfreezes the funds of the second party and the loan.

In addition, although part of the funds of the second participant is frozen during the loan of the first participant, it is still stored in the financial system of the first fund management server, that is, the deposit state, and the first fund management server corresponds to the second participation. The party issues the deposit interest generated by the frozen funds during the frozen period, which increases the income of the second party.

Moreover, in this loan, compared with the second party, the funds frozen in the bank, such as 100,000 deposits, are not borrowed by the bank to the first party, but are frozen by the bank and cannot be used. 10,000 deposits are still in the second participant's account and belong to the second party, so the risk is greatly reduced. At the same time, because the 100,000 deposits still belong to them, they may obtain additional benefits, that is, deposit interest in this embodiment, such as current interest. Or periodic interest.

In another embodiment, if the first money management server and the second money management server are the same financial institution, after the second service sends the application to the financial institution, the financial institution freezes at least part of the funds of the second participant, The first participant issues a loan. The first party directly returns the loan to the financial institution before the scheduled date. After receiving the loan returned by the first participant, the financial institution thaws the second party's funds equal to the loan.

In another embodiment, if the first party does not return the loan to the second fund management server within the predetermined time limit, the second money management server enters a dunning phase for the first participant, and sends a The dunning notice of the loan is returned within the second predetermined date, and the first fund management server maintains the frozen state of the partial funds of the second party until the first party has returned the loan. When the first participant returns the loan to the second fund management server within the second predetermined date, the second fund management server sends a notification to the first fund management server, and after receiving the notification, the first fund management server unfreezes the second participant The party's assets equal to the above loan amount, and provide the second party with interest on the deposit during the period of the capital freeze.

Different from the prior art, after the first participant in the embodiment returns the loan to the second fund management server within the predetermined date, the second fund management server sends a notification to the first fund management server to notify the first party of the first fund management server. The notice of the loan has been returned, and the first fund management server unfreezes the second party's funds equal to the loan. By intervening the first fund management server and the second money management server into the lending of the first participant and the second participant, the risk of the loan can be effectively reduced, and the security of the fund can be ensured.

In addition, after the first fund management server unfreezes the second party's funds equal to the loan, the second party participates in the loan interest generated during the period in which the funds are frozen, which can further ensure the second participant's holding of the funds during the loan period. Have the right to increase the income of the second party. In addition, the second fund management server itself can also obtain the loan interest paid by the first participant to increase the income.

In another embodiment, if the first party does not return the loan to the second money management server within the predetermined date, the second money management server notifies the first money management server of the failure of the first party to pay back on time. The first fund management server alerts the second party whether to agree to pay the first party's loan and loan interest in lieu of the first party. If the second party agrees to pay the first party's loan and the loan interest instead of the first party, the second party and the loan principal and the loan interest equal amount of funds flow into the financial system of the second fund management server. in.

In the present embodiment, in the case that the first participant is unable to fully repay the loan, the second participant is allowed to help the first participant to repay the loan, so that the payment method is more flexible and user-friendly.

Moreover, in the present embodiment, the credit function can also be introduced. When the first participant is unable to repay the remaining loan, and the second participant helps the first participant to repay the remaining loan, the second fund management server can lower the number. The credit rating of a participant increases the default cost of the first party, reduces the risk of default, and further safeguards the interests of the second party, the creditor. In addition, the first fund management server may further assist the second party in facilitating the first party's on-time repayment record into the bank credit system and increase the rank of the second party in the bank credit system.

Referring to FIG. 2, FIG. 2 is a schematic flow chart of another embodiment of the repayment method of the present invention. The method of this embodiment includes the following steps:

201: The first fund management server receives the notification that the first participant has returned the loan sent by the second fund management server.

The first fund management server and the second fund management server may be bank servers or servers of other financial institutions.

Wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server, wherein the electronic commitment payment certificate is performed by the first fund management server According to the application of the second party, the second participant is frozen after the funds of the loan amount are not less than the amount of the loan.

The amount of the electronic commitment payment voucher is equal to the amount requested by the first participant. The electronic commitment payment voucher is issued by the first fund management server to the second party based on the account capital or credit line of the second party in its financial system as a guarantee.

The first fund management server freezes at least part of the funds of the second participant according to the electronic commitment payment certificate opened by the first fund management server, and sends the electronic commitment payment certificate to the second fund management server, and the second fund management server issues the loan to the first participant. At the same time as the loan is issued, the first party is notified to return the loan within the first scheduled date. In addition, the first party also needs to pay the loan interest payable during the loan period to the second fund management server.

When the first participant returns the loan principal and the loan interest to the second fund management server within the prescribed time limit, the second fund management server receives the loan principal and the loan interest returned by the first participant, and sends the loan interest to the first fund management server. Sending a notification that the first party management party has returned the loan to the first money management server, and correspondingly, the first money management server receives the notification.

In addition, since the first participant returns the loan issued by the second fund management server within the predetermined time, which is an act of good faith, the second fund management server incorporates the current payback record of the first party into the bank credit system, and Enhance the level of the first participant in the bank integrity system to facilitate the participation of the first participant in other activities of the fund management server.

202: The first fund management server thaws the second participant's funds equal to the loan.

After receiving the notification sent by the second fund management server, the first fund management server determines that the first party has returned the loan on schedule, and unfreezes the funds of the second party and the loan.

In addition, although at least part of the funds of the second participant is frozen during the loan of the first participant, it is still stored in the financial system of the first fund management server, that is, the deposit state, and the first fund management server corresponds to the second. Participants issued deposit interest on frozen funds during the period of freezing, which increased the income of the second party.

Different from the prior art, after receiving the notification that the first participant has returned the loan sent by the second fund management server, the first fund management server of the embodiment thaws the funds of the second party and the loan equal amount. By intervening the first fund management server and the second money management server into the lending of the first participant and the second participant, the risk of the loan can be effectively reduced, and the security of the fund can be ensured.

In addition, after the first fund management server unfreezes the second party's funds equal to the loan, the second party participates in the loan interest generated during the period in which the funds are frozen, which can further ensure the second participant's holding of the funds during the loan period. Have the right to increase the income of the second party.

In addition, the second fund management server itself can also obtain the loan interest paid by the first participant to increase the income.

Referring to FIG. 3, FIG. 3 is a schematic flow chart of still another embodiment of the repayment method of the present invention. The method of this embodiment includes the following steps:

301: The second fund management server receives the loan returned by the first participant.

Wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server, wherein the electronic commitment payment certificate is performed by the first fund management server According to the application of the second party, the second participant is frozen after the funds of the loan amount are not less than the amount of the loan.

The first fund management server and the second fund management server may be banks or servers of other financial institutions.

Wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server, wherein the electronic commitment payment certificate is performed by the first fund management server According to the application of the second party, the second participant is frozen after the funds of the loan amount are not less than the amount of the loan.

The first fund management server freezes at least part of the funds of the second participant according to the electronic commitment payment certificate opened by the first fund management server, and sends the electronic commitment payment certificate to the second fund management server, and the second fund management server issues the loan to the first participant. At the same time as the loan is issued, the first party is notified to return the loan within the first scheduled date. In addition, the first party also needs to pay the loan interest payable during the loan period to the second fund management server.

When the first participant returns the loan principal and the loan interest to the second fund management server within the prescribed time limit, the second fund management server receives the loan principal and the loan interest returned by the first participant.

In addition, since the first participant returns the loan issued by the second fund management server within the predetermined time, which is an act of good faith, the second fund management server incorporates the current payback record of the first party into the bank credit system, and Enhance the level of the first participant in the bank integrity system to facilitate the participation of the first participant in other activities of the fund management server.

302: Send, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, so that the first fund management server and the second participant The loan equal amount of funds is thawed.

After receiving the notification sent by the second fund management server, the first fund management server determines that the first party has returned the loan on schedule, and unfreezes the funds of the second party and the loan.

In addition, although part of the funds of the second participant is frozen during the loan of the first participant, it is still stored in the financial system of the first fund management server, that is, the deposit state, and the first fund management server corresponds to the second participation. The party issues the deposit interest generated by the frozen funds during the frozen period, which increases the income of the second party.

Different from the prior art, after receiving the loan returned by the first participant, the second fund management server of the embodiment sends a notification to the first fund management server that the first party management server has returned the first participant. The notification of the loan, so that the first fund management server unfreezes the funds of the second party and the loan equal amount. By intervening the first fund management server and the second money management server into the lending of the first participant and the second participant, the risk of the loan can be effectively reduced, and the security of the fund can be ensured.

In addition, the second fund management server itself can also obtain the loan interest paid by the first participant to increase the income.

In addition, after the first fund management server unfreezes the second party's funds equal to the loan, the second party participates in the loan interest generated during the period in which the funds are frozen, which can further ensure the second participant's holding of the funds during the loan period. Have the right to increase the income of the second party.

Referring to FIG. 4, FIG. 4 is a schematic flowchart of an embodiment of a data interaction processing method according to the present invention. The data interaction processing method of this embodiment includes the following steps:

401: The data requester adds a first data value to the data unit of the second server before the scheduled date.

The first data value is sent by the second service party to the data requester according to a data credential from the first service party, where the data credential is determined by the first service party according to the data initiator The application is opened after the data in the data unit of the data initiator is locked not less than the data of the first data value.

Specifically, the data requesting party initiates a data request for the first data to the data initiator by using the first server platform, and the data originating party applies for opening the data credential to the first service party, where the data credential is the data initiator and the first A quantitative tool for pre-established data associations between servants.

The first service party opens the foregoing data certificate, and according to the data certificate, locks data in the data unit of the data initiator that is not smaller than the first data value, and then sends the data certificate to the second service party, the second service After receiving the data certificate, the party sends the first data to the data requester, and specifies that the data requester adds the first data value to the data unit of the second server before the predetermined date.

The data credential is a data credential that is equal in size to the first data value that is sent by the data initiator to the data initiator after the first server performs the data value in the data unit of the data initiator is not less than the first data value. .

402: The second service direction sends, by the first service party, a notification that the first service party has added a first data value to the data unit of the second service party.

If the data requester adds the first data value to the data unit of the second service party within the predetermined date, the second service direction sends the first service party to notify the first participant that the first data value has been added to the data unit. Notice.

Specifically, since the first data sent by the second servant directly to the data requester, when the data requestor needs to add the first data value to the data unit of the second servant, the data unit needs to be added to the data unit at the same time. The relative value of the first equity brought by a data.

In another embodiment, in order to enhance the data interaction between the second server and the data requester, the second server also incorporates the record that the data requester adds the first data value to the second service unit on time. In the system, and promote the level of the data requester in the integrity system.

403: The first servant receives the notification sent by the second servant, and unlocks the data in the data unit of the data initiator corresponding to the first data value.

After receiving the notification sent by the second servant, the first servant unlocks the data in the data unit of the data initiator corresponding to the data of the first data value.

In addition, although the partial value in the data unit of the data initiator is in the locked state, the data initiator still has the ownership right, and the first service party unfreezes the service party represented by the data certificate and the data initiator. At the same time of the data association relationship, the value-added data generated in the locking phase of the data equal to the first data value is added to the data unit of the data initiator.

In another embodiment, if the data requester does not add the first data value to the data unit of the second server before the predetermined date, the second service direction sends the data requester to the second service within the second predetermined date. The data unit of the party increases the notification of the first data value, the data requester receives the notification, and adds a first data value to the data unit of the second server in a second predetermined date, and the second service direction sends the first service party Notifying the first servant that the data requester has added a notification of the first data value to the data unit of the second servant, and the first servant receives the notification sent by the second servant, and The value in the data unit of the data initiator is equivalent to the data of the first data value size for unlocking.

Different from the prior art, the data requester of the embodiment adds a first data value to the data unit of the second service party before the predetermined date, and the second service direction sends the first service to the first service party. The data requester has added a notification of the first data value to the data unit of the second server, the first server receives the notification sent by the second server, and the sender of the data The value in the data unit is equivalent to the data of the first data value size for unlocking. In the above manner, during the data interaction between the data requester and the data initiator, the first service party and the second service party are joined, so that the first service party and the second service party are connected with the data requester and the data initiator. Data interaction occurs, and at least two data association relationships are established, which increases the data association relationship and enriches the data interaction connotation, so that during the entire data interaction process, when any one of the data has a problem, the other two parties can still interact with each other. Relationships restore corresponding data or data associations, effectively preventing data loss, improving data security and data interaction stability.

Referring to FIG. 5, FIG. 5 is a schematic flowchart of another embodiment of a data interaction processing method according to the present invention. The data interaction processing method of this embodiment includes the following steps:

501: The first servant receives the data sent by the second servant, and the requestor has added a first data value notification to the data unit of the second servant.

The first data value is sent by the second service party to the data requester according to a data credential from the first service party, where the data credential is requested by the service party according to the data initiator. The data in the data unit of the data initiator is locked after the value in the data unit is not less than the data of the first data value.

Specifically, the data requester initiates a data request requiring the first data to the data originator through the first server platform. The data origination direction applies to the first service party to open a data credential, wherein the data credential is a quantification tool for pre-established data association relationship between the data initiator and the first service party.

The first server opens the data certificate, and according to the data certificate, the data in the data unit of the data initiator is not less than the data of the first data value, and the data certificate is sent to the second server, the second server. After receiving the data voucher, the first data is sent to the data requester, and the data requester is specified to add the first data value to the data unit of the second service party before the predetermined date.

The data credential is a data credential that is equal in size to the first data value that is sent by the data initiator to the data initiator after the first server performs the data value in the data unit of the data initiator is not less than the first data value. .

If the data requester adds a first data value to the data unit of the second server within a predetermined date, the second service direction sends a notification informing the first party that the first party has increased the first value. Correspondingly, the first servant receives the above notification.

In addition, since the first data sent by the second servant directly to the data requester, the data requestor needs to add the first data value to the data unit of the second servant, and simultaneously add the first data to the data unit. The relative value of the first equity brought by the data.

In another embodiment, in order to enhance the data interaction between the second server and the data requester, the second server also incorporates the data requestor to add the first data value record to the second service unit on time. In the system, and promote the level of the data requester in the integrity system.

502: Unlock the data in the data unit of the data initiator corresponding to the data of the first data value size.

After receiving the notification sent by the second servant, the first servant unlocks the data in the data unit of the data initiator corresponding to the data of the first data value.

In addition, although the partial value in the data unit of the data initiator is in the locked state, the data initiator still has the ownership right, and the first service party unfreezes the service party represented by the data certificate and the data initiator. At the same time of the data association relationship, the value-added data generated in the locking phase of the data equal to the first data value is added to the data unit of the data initiator.

Different from the prior art, the first service party in the embodiment receives the notification that the data requester sent by the second server has added the first data value to the data unit of the second server, and the data initiator The value in the data unit is equivalent to the data of the first data value size for unlocking. In the above manner, the first service party and the second service party are added to the data interaction process between the data requester and the data initiator, and data interaction occurs between the data requester and the data initiator respectively, and at least two additional establishments are established. The data association relationship increases the data association relationship and enriches the data interaction connotation, so that in the whole data interaction process, when any one of the data has problems, the data or data association relationship can be restored by means of the other two parties' data interaction relationship. Effectively prevent data loss and improve data security and data interaction stability.

Referring to FIG. 6, FIG. 6 is a schematic flowchart diagram of still another embodiment of a data interaction processing method according to the present invention. The data interaction processing method of this embodiment includes the following steps:

601: The second servant detects whether the data requester adds a first data value to the data unit of the second server before the predetermined date.

The first data value is sent by the second service party to the data requester according to a data credential from the first service party, and the data credential is determined by the first service party according to the data requester. The application is opened after the data in the data unit of the data requester is locked not less than the data of the first data value.

Specifically, the data requester initiates a data request requiring the first data to the data originator through the first server platform. The data origination direction applies to the first service party to open a data credential, wherein the data credential is a quantification tool for pre-established data association relationship between the data initiator and the first service party.

The first server opens the data certificate, and according to the data certificate, the data in the data unit of the data initiator is not less than the data of the first data value, and the data certificate is sent to the second server, the second server. After receiving the data voucher, the first data is sent to the data requester, and the data requester is specified to add the first data value to the data unit of the second service party before the predetermined date.

The data credential is a data credential that is equal in size to the first data value that is sent by the data initiator to the data initiator after the first server performs the data value in the data unit of the data initiator is not less than the first data value. .

The second servant detects whether the data requestor adds a first data value to the data unit of the second servant before the predetermined date.

602: If the data requester adds a first data value to the data unit of the second service party before a predetermined date, the second service direction sends the first service party to notify that the first participant has been The data unit adds a notification of the first value, causing the first server to unlock the data in the data unit of the data initiator corresponding to the data of the first data value size.

In addition, since the first data sent by the second servant directly to the data requester, the data requestor needs to add the first data value to the data unit of the second servant, and simultaneously add the first data to the data unit. The relative value of the first equity generated by the data during the loan period.

In another embodiment, in order to enhance the data interaction between the second server and the data requester, the second server also incorporates the record that the data requester adds the first data value to the second service unit on time. In the system, and promote the level of the data requester in the integrity system.

After receiving the notification sent by the second servant, the first servant unlocks the data in the data unit of the data initiator corresponding to the data of the first data value.

In addition, although the partial value in the data unit of the data initiator is in the locked state, the data initiator still has the ownership right, and the first service party unfreezes the service party represented by the data certificate and the data initiator. At the same time of the data association relationship, the value-added data generated by the data of the same size as the first data value in the locking phase needs to be added to the data unit of the data.

Different from the prior art, the second service party of the present embodiment detects whether the data requester adds a first data value to the data unit of the second server before the predetermined date, if the data requester is before the scheduled date When the first data value is added to the data unit of the second servant, sending, to the first servant, that the data requester of the first servant has been added to the data unit of the second servant The notification of the first data value causes the first server to unlock the data in the data unit of the data initiator corresponding to the data of the first data value size. In the above manner, the first service party and the second service party are added to the data interaction process between the data requester and the data initiator, and data interaction occurs between the data requester and the data initiator respectively, and at least two additional establishments are established. The data association relationship increases the data association relationship and enriches the data interaction connotation, so that in the whole data interaction process, when any one of the data has problems, the data or data association relationship can be restored by means of the other two parties' data interaction relationship. Effectively prevent data loss and improve data security and data interaction stability.

Referring to FIG. 7, FIG. 7 is a schematic structural diagram of an embodiment of a data interaction processing system according to the present invention. The data interaction processing system of this embodiment includes a data requesting terminal 701, a data initiating terminal 702, a first server 703, and a second server 704.

The data requesting terminal 701 is configured to add a first data value to the data unit of the second server 704 before the predetermined date.

The first data value is sent by the second server 704 to the data requesting terminal according to the data credential from the first server 703, and the data credential is initiated by the first server 703 according to the data initiating terminal 702. The application is opened after the data in the data unit of the data initiating terminal 702 is not less than the data of the first data value.

The second server 704 is configured to send, to the first server 703, a notification that the first server 703 that the data requesting terminal 701 has added a first data value to the data unit of the second server 704.

The first server 703 is configured to receive the notification sent by the second server 704, and unlock the data in the data unit of the data initiation terminal 702 by a value corresponding to the first data value.

Different from the prior art, the data requesting terminal of the present embodiment adds a first data value to the data unit of the second server before the predetermined date, and the second server sends the first server to notify the first server The data requesting terminal has added a notification of the first data value to the data unit of the second server, the first server receives the notification sent by the second server, and initiates a value in the data unit of the terminal for the data The data corresponding to the size of the first data value is unlocked. In the above manner, during the data interaction between the data requesting terminal and the data initiating terminal, the first server and the second server are joined, so that data interaction occurs between the first server and the second server and the data requesting terminal and the data initiating terminal. An additional at least two data association relationships are established, which increases the data association relationship and enriches the data interaction connotation, so that in the entire data interaction process, when any one of the data has a problem, the other two parties can still restore the corresponding data interaction relationship. Data or data associations effectively prevent data loss and improve data security and data interaction stability.

Referring to FIG. 8, FIG. 8 is a schematic structural diagram of an embodiment of a server according to the present invention. The server of this embodiment includes a receiving module 801 and an unlocking module 802.

The receiving module 801 is configured to receive the data sent by the second server, and the terminal has added a first data value notification to the data unit of the second server.

The first data value is sent by the second server to the data requesting terminal according to the data credential from the first server, where the data credential is locked by the first server according to the application of the data originating terminal. The data in the data initiating terminal is opened after the value in the data unit is not less than the data of the first data value.

The unlocking module 802 is configured to unlock data in a data unit of the data initiator that is equal in size to the first data value.

Different from the prior art, the receiving module of the first server of the present embodiment receives the data sent by the second server, and after the terminal has added the first data value notification to the data unit of the second server, the unlocking module initiates the data. The value in the data unit of the terminal is equivalent to the data of the first data value size for unlocking. In the above manner, the first server and the second server are added to the data interaction process between the data requesting terminal and the data initiating terminal, and data interaction occurs between the data requesting terminal and the data initiating terminal, and at least two data association relationships are additionally established. The data association relationship is increased, and the data interaction connotation is enriched, so that when any data of the other party has a problem in the whole data interaction process, the data or data association relationship can be restored by means of the other two parties' data interaction relationship, and the effective relationship is effective. Prevent data loss and improve data security and data interaction stability.

Referring to FIG. 9, FIG. 9 is a schematic structural diagram of another embodiment of a server according to the present invention. The server of this embodiment includes a detection module 901 and a sending module 902.

The detecting module 901 is configured to detect whether the data requesting terminal adds a first data value to a data unit of the server before a predetermined date.

The first data value is sent by the second server to the data requesting terminal according to a data credential from the first server, where the data credential is locked by the first server according to an application of the data originating terminal. The data in the data initiating terminal is opened after the value in the data unit is not less than the data of the first data value.

The sending module 902 is configured to: when the data requesting terminal adds a first data value to the data unit of the second server before a predetermined date, send, to the first server, that the first participant has sent to the data unit And increasing the notification of the first value, so that the first server unlocks the data in the data unit of the data originating terminal with a value corresponding to the first data value.

Different from the prior art, the detecting module of the second server of the embodiment detects whether the data requesting terminal adds a first data value to the data unit of the second server before a predetermined date, if the data requestor is on a predetermined date When the first data value is added to the data unit of the second server, the sending module sends a notification to the first server that the first participant has increased the first value, so that the first server pairs the The value in the data unit of the data originating terminal is equivalent to the data of the first data value size for unlocking. In the above manner, the first server and the second server are added to the data interaction process between the data requesting terminal and the data initiating terminal, and data interaction occurs between the data requesting terminal and the data initiating terminal, and at least two data association relationships are additionally established. The data association relationship is increased, and the data interaction connotation is enriched, so that when any data of the other party has a problem in the whole data interaction process, the data or data association relationship can be restored by means of the other two parties' data interaction relationship, and the effective relationship is effective. Prevent data loss and improve data security and data interaction stability.

The above is only the embodiment of the present invention, and is not intended to limit the scope of the invention, and the equivalent structure or equivalent process transformations made by the description of the invention and the drawings are directly or indirectly applied to other related technologies. The fields are all included in the scope of patent protection of the present invention.

Claims (18)

1. A method of repaying loans, characterized in that it comprises:

   The first participant returns the loan to the second fund management server before the predetermined date, wherein the loan is issued by the second fund management server to the first participant according to the electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount;

   Receiving, by the second fund management server, the loan returned by the first participant, and transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant;

   The first fund management server receives the notification sent by the second fund management server, and thaws the second party's funds equal to the loan.
2. The method according to claim 1, wherein when the first money management server and the second money management server are the same money management server, the first participant sends the funds to a fund before a predetermined date. The management server returns the loan, the fund management server receives the loan returned by the first participant, and thaws the second party's funds equal to the loan.
3. The method according to claim 1, wherein said first money management server receives the notification sent by said second money management server and unfreezes said second party's funds equal to said loan amount include:

   The first fund management server unfreezes the loan equal amount of funds;

   The first money management server issues the deposit interest generated by the frozen funds during the frozen period to the second participant.
4. The method according to claim 1, wherein the step of receiving, by the second money management server, the loan returned by the first participant comprises:

   Receiving, by the second fund management server, the loan returned by the first participant and the loan interest, and incorporating the first party's scheduled repayment record into the bank credit system;

   Promoting the credit rating of the first party in the bank credit system.
5. A method of repaying loans, characterized in that it comprises:

   Receiving, by the first fund management server, a notification that the first participant has returned the loan sent by the second fund management server; wherein the loan is used by the second fund management server according to an electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher issued by the first participant is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount. ;

   The first money management server thaws the second party's funds equal to the loan.
6. The method according to claim 5, wherein the step of the first money management server thawing the second participant's funds equal to the loan comprises:

   The first fund management server unfreezes the loan equal amount of funds;

   The first money management server issues the deposit interest generated by the frozen funds during the frozen period to the second participant.
7. A method of repaying loans, characterized in that the method comprises:

   Receiving, by the second fund management server, the loan returned by the first participant; wherein the loan is issued by the second fund management server to the first participant according to an electronic commitment payment certificate from the first fund management server The electronic commitment payment voucher is opened by the first fund management server according to the application of the second participant, and the second participant is not less than the loan amount;

   Transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, so that the first fund management server and the loan are The same amount of funds will be thawed.
8. The method according to claim 7, wherein the step of receiving, by the second money management server, the loan returned by the first participant comprises:

   Receiving, by the second fund management server, the loan returned by the first participant and the loan interest, and incorporating the first party's scheduled repayment record into the bank credit system;

   Promoting the credit rating of the first party in the bank credit system.
9. A data interaction processing method, comprising:

   The data requester adds a first data value to the data unit of the second service party before the predetermined date, wherein the first data value is requested by the second service party to the data according to the data credential from the first service party The data voucher is opened by the first service party according to the application of the data initiator, and the data in the data unit of the data initiator is locked not less than the data of the first data value. ;

   The second service direction sends a notification that the first service party informs the first service party that the data requester has added a first data value to the data unit of the second service party;

   The first servant receives the notification sent by the second servant, and unlocks the data in the data unit of the data initiator corresponding to the data of the first data value size.
10. The method according to claim 9, wherein the first servant receives the notification sent by the second servant, and the value in the data unit of the data initiator corresponds to the first data The step of unlocking the value size data also includes:

    And increasing, by the first service direction, the value-added data generated by the data equal to the first data value in the data unit of the data initiator in the locking phase.
11. The method according to claim 9, wherein said second service direction sends said first service party to inform said first service party that said data requester has added to said second service party data unit At the same time or after the step of notifying the first data value, the method further includes:

    The second server adds the record that the data requester adds the first data value to the second service unit on time to the integrity system, and promotes the level of the data requester in its integrity system.
12. A data interaction processing method, comprising:

    Receiving, by the first servant, the data requester sent by the second servant has added a first data value notification to the data unit of the second servant; wherein the first data value is obtained by the second servant according to The data credential of the first servant is sent to the data requester, and the data credential is locked by the servant according to the application of the data initiator, and the value in the data unit of the data initiator is locked not less than the number a data value of the size of the data is opened;

    The data in the data unit of the data initiator is equivalent to the data of the first data value size to be unlocked.
13. The method according to claim 12, wherein the step of unlocking the data in the data unit of the data originator corresponding to the data of the first data value size further comprises:

    And increasing, by the first service direction, the value-added data generated by the data equal to the first data value in the data unit of the data initiator in the locking phase.
14. A data interaction processing method, comprising:

    The second servant detects whether the data requester adds a first data value to the data unit of the second servant before the predetermined date; wherein the first data value is from the second servant according to the first The data credential of the service party is sent to the data requester, and the data voucher is locked by the service party according to the application of the data requester, and the value in the data unit of the data requester is not less than the first data. Value-sized data is opened afterwards;

    The second server sends a notification to the first service party that the data requester has been added when the data requester adds a first data value to a data unit of the second server before a predetermined date The notification of the first data value causes the first server to unlock the data in the data unit of the data initiator corresponding to the data of the first data value size.
15. The method according to claim 14, wherein said second service party adds a first data value to said data unit of said second server before said predetermined date by said data requestor Simultaneously or after a servant sends a step of notifying that the data requester has added a notification of the first data value, the method further includes:

    The second server adds the record that the data requester adds the first data value to the second service unit on time to the integrity system, and promotes the level of the data requester in its integrity system.
16. A data interaction processing system, characterized in that the data interaction processing system includes: a data requesting terminal, a data originating terminal, a first server, and a second server,

    The data requesting terminal is configured to add a first data value to a data unit of the second server before the predetermined date, wherein the first data value is used by the second server according to the data credential from the first server And sending, by the data requesting terminal, the data credential is opened by the first server according to the application of the data requesting terminal, and the data in the data unit of the data initiating terminal is not less than the data of the first data value. of;

    The second server is configured to send, to the first server, a notification that the data requesting terminal has added a first data value;

    The first server is configured to receive a notification sent by the second server, and unlock data in a data unit of the data originating terminal that is equal to the size of the first data value.
17. A server, comprising: a receiving module and an unlocking module,

    The receiving module is configured to receive a data sent by the second server, requesting that the terminal has added a first data value notification to the data unit of the second server, where the first data value is obtained by the second server according to a data credential sent by the server to the data requesting terminal, where the data credential is requested by the first server according to the data originating terminal, and the value in the data unit of the data initiating terminal is locked not less than the first Data value size data is opened afterwards;

    The unlocking module is configured to unlock data in a data unit of the data initiator that is equal to the size of the first data value.
18. A server, comprising: a detection module and a sending module,

    The detecting module is configured to detect whether the data requesting terminal adds a first data value to a data unit of the server before a predetermined date; the first data value is used by the second server according to a data credential from the first server Sending to the data requesting terminal, the data credential is determined by the first server according to the data initiating terminal, and the data in the data unit of the data initiating terminal is not less than the data of the first data value. Open later;

    The sending module is configured to: when the data requesting terminal adds a first data value to the data unit of the second server before a predetermined date, send, to the first server, that the data requesting terminal has increased the first The notification of the data value causes the first server to unlock the data in the data unit of the data originating terminal corresponding to the data of the first data value size.