WO2016191932A1

WO2016191932A1 - Repayment method, and data interaction processing method, device and system

Info

Publication number: WO2016191932A1
Application number: PCT/CN2015/080264
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: CA3068510A1; CA3068509A1; CA3068503A1; CA3068515A1; CA3068512A1; CA2987460A1; CA3068510C

Abstract

A repayment method, and a data interaction processing method, device and system. The repayment method comprises: when a second funds management server does not receive a loan returned by a first participant within a first scheduled date, the second funds management server issues a payment request notification to the first participant that the loan must be returned within a second scheduled date (101); the first participant receives the payment request notification, and returns the loan to the second funds management server within the second scheduled date (102); 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 (103); the first funds management server receives the notification sent by the second funds management server, and unfreezes funds opened by a second participant and equal to the value of an electronic commitment payment certificate (104). The present invention reduces the lending risk for the second participant.

Description

Repayment 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 repayment method, a data interaction processing method, a device and a 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 first participant and the second participant through oral or written form. After the second participant has provided the assets to the first participant, there is no mandatory repayment. Constraints pose a great risk to the second party. Therefore, you need to consider how to use the network to achieve lending and reduce risk.

【发明内容】 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide a repayment method, a data interaction processing method, an apparatus 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 present invention is to provide a method for repaying loans, including:

When the second fund management server does not receive the loan returned by the first party within the first predetermined date, the second party sends a dunning notice to the first party to return the loan within the second predetermined date; 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 first The application of the second party shall be opened after freezing the funds of the second party not less than the loan amount;

Receiving, by the first participant, the dunning notice, and returning the loan to the second fund management server within the second predetermined date;

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, including:

When the second fund management server does not receive the loan returned by the first participant within the first predetermined date, the second party is notified to the first party that the loan notice needs to be returned within the second predetermined date; and remains a frozen state of the second participant's asset equal to the value of the electronic commitment payment voucher; wherein the loan is directed by the second fund management server to the first party based on an electronic commitment payment voucher from the first fund management server And issuing, the electronic commitment payment voucher is opened by the first fund management server according to the application of the second participant, and freezing the funds of the second participant not less than the loan amount;

Receiving the loan returned by the first participant within a second predetermined date; and transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, And causing the first fund management server to unfreeze the funds of the second participant and the loan amount.

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:

When the second servant detects that the data requestor does not add the first data value to the data unit of the second servant, sends the data unit to the data requester that needs to be sent to the second servant within the second predetermined time. Transmitting a notification of the first data value; wherein the first data value is sent by the second serving party to the data requester according to a data credential from the first serving party, the data credential being a service party opens, according to the application of the data initiator, the data in the data unit of the data initiator is not less than the data of the first data value size;

The data requester receives the notification and adds a first data value to a data unit of the second service party within the second predetermined date;

The second service direction sends a notification that the first service party informs that the data requester has increased the first data value;

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:

When the second servant detects that the data requestor does not add the first data value to the data unit of the second service party within the first predetermined date, sends the data requester to the second service within the second predetermined time. The data unit of the party increases the notification of the first data value; wherein the first data value is sent by the second service party to the data requester according to the data credential from the first service party, the data credential is And the service party opens, according to the application of the data initiator, the data in the data unit of the data initiator is locked not less than the data of the first data value size;

When the second servant detects that the data requester adds a first data value to the data unit of the second servant before the second predetermined date, the notification to the first servant is increased. The notification of the 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.

To solve the above technical problem, the seventh technical solution adopted by the present invention is to provide a data interaction processing system, including: a data requesting terminal, a data originating terminal, a first server, and a second server;

When the second server detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, the second server sends the data requesting terminal to the second server within a second predetermined time. The data unit adds a notification of the first data value; wherein the loan is issued by the second device to the data requestor based on an electronic commitment payment voucher from the first server, the electronic commitment payment voucher being The first server opens the application according to the data originating terminal, and freezes the data unit of the data originating terminal that is not less than the loan amount;

Receiving, by the data requesting terminal, the notification, and adding a first data value to a data unit of the second server within the second predetermined date;

Sending, by the second server, a notification that the data requesting terminal has added a first data value to the first server;

The first server receives the notification sent by the second server, and unlocks data in a data unit of the data originating terminal that is equal to the size of 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 service terminal, where the first data value is obtained by the second server according to The data credential of the first server is sent to the data requesting terminal, and 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 a data value of the size of the data is opened;

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 detecting module and a sending module.

The sending module is configured to: when the detecting module detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, send the data requesting terminal to the second request Transmitting, to the data unit of the second server, a notification of the first data value; wherein the first data value is sent by the second server to the data requesting terminal according to the data credential from the first server The data credential is opened by the first server according to the application of the data originating terminal, and the data in the data unit of the data originating terminal is locked not less than the data of the first data value;

The sending module is further configured to: when the detecting module detects that the data requesting terminal adds a first data value to a data unit of the second server before a second predetermined date, send the first data value to the first server side Notifying the data requesting terminal that the notification of the first data value has been added, so that the first server unlocks the data in the data unit of the data originating terminal corresponding to the data of the first data value size.

The beneficial effects of the present invention are: different from the prior art,

When the second fund management server does not receive the loan returned by the first party within the first predetermined date, the second party sends a dunning notice to the first party to return the loan within a second predetermined date, Receiving, by the first participant, the dunning notice, and returning the loan to the second fund management server within the second predetermined date; the second fund management server receiving the loan returned by the first participant And sending, 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 thawing the funds opened by the second party and equal to the value of the electronic commitment payment voucher. 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 circulation stability of the fund can be ensured.

【附图说明】 [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 flowchart 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.

【具体实施方式】【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 second fund management server sends a dunning notice to the first participant to return the loan within a second predetermined date when the loan returned by the first participant is not received within the first predetermined 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, wherein the electronic commitment payment certificate is performed by the first fund management server According to the application of the second party, the second party is frozen after the funds of the loan amount is not less than the amount of the loan;

Specifically, after the first participant sends a request for a loan, the second service 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 fund management server provides the second participant with an electronic commitment payment equal to the value of the loan 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. certificate.

Wherein, the first fund management server and the second gold 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 fund management server, such as 120,000, wherein the value of the frozen funds is not less than the value of the electronic commitment payment certificate. 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.

If the first party does not return the loan to the second fund management server within the first predetermined date, if the first party does not return the loan of 100,000 within 6 months, the second fund management server sends the first party to the first party A dunning notice is issued that will return the loan within the second predetermined date.

It should be noted that, if the first party does not return the loan to the second fund management server within the first predetermined date, although the first scheduled date has arrived, the first fund management server does not receive the second fund management server to notify the The first fund management server has notified the first party that the loan has been returned, and the first money management server still maintains the frozen state of the funds of the second participant not less than the loan amount.

In addition, since the first participant fails to return the loan to the second fund management server within the first predetermined date, the contract has been violated, and the second fund management server imposes an extension penalty on the first participant, wherein Deferred fines are interest on loans that are deferred for late payment or/and increased during the extended repayment period.

102: The first participant receives the dunning notice, and returns a loan to the second fund management server within the second predetermined date.

In addition, 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 second fund management server.

103: 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. announcement of.

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

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.

104: 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 amount.

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 participant directly returns the loan to the financial institution before the second scheduled date. After receiving the loan returned by the first participant, the financial institution thaws the second party's funds equal to the loan.

Different from the prior art, when the second fund management server in the embodiment fails to receive the loan returned by the first participant within the first predetermined date, the second party is required to send the first participant to the second predetermined date. Returning the dunning notice of the loan, the first participant receiving the dunning notice, and returning the loan to the second fund management server within the second predetermined date; the second fund management server receiving the deposit Determining, by the first party, the loan returned by the first party; and transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first party; the first fund management server receives The notification sent by the second fund management server, and the funds opened by the second party equal to the value of the electronic commitment payment voucher are thawed. 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 circulation stability 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 returns the loan and the loan interest to the second money management server within the first predetermined date, the second money management server receives the loan returned by the first participant And sending, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, and the first fund management server receives the notification sent by the second fund management server, And unfreeze the second party's funds equal to the loan.

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. The second participant agrees to pay the first party's loan and the loan interest instead of the first party, and the second party and the loan and the loan interest equal amount of the capital asset are disposed in the financial system of the second fund management server. .

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 money management server may also assist the second party to assist the first party's on-time payment record into the bank credit system, and improve the level 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 repayment method of the 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 are banks or 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 and the loan interest to the second fund management server within the prescribed time limit, the second fund management server receives the loan returned by the first participant and the loan interest, and sends a notification to the first fund management server. The first fund management server has notified the first party that the loan has been returned, and correspondingly, the first fund 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.

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 sends a dunning notice to the first participant to return the loan within a second predetermined date when the loan returned by the first participant is not received within the first predetermined date.

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.

The first fund management server and the second gold management server are banks or 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 different. At the time of the institution, the loan and loan process is realized by the method of the embodiment.

When the second fund management server does not receive the loan returned by the first participant within the first predetermined date, the second party sends a dunning notice to the first party to return the loan within the second predetermined date.

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

302: receiving the loan returned by the first participant within a second predetermined date; and 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 money management server unfreezes the funds of the second party and the loan equal amount.

If the loan is returned to the second fund management server within the second predetermined date, the second fund management server receives the loan, loan interest, and deferred penalty returned by the first participant, and sends a notification to the first fund management server. A fund management server indicates that the first party has returned the loan.

Different from the prior art, when the second fund management server in the embodiment fails to receive the loan returned by the first participant within the first predetermined date, the second party is required to send the first participant to the second predetermined date. Returning the dunning notice of the loan, receiving the loan returned by the first participant within a second predetermined date; and transmitting, to the first fund management server, the first fund management server to notify the first The participant has returned the notice 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 circulation stability of the fund can be ensured.

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:

401: The second server detects that the data requestor does not add the first data value to the data unit of the second server, and sends the data requester to the second server for the second predetermined time. The data unit adds a notification of the first data value.

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 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. .

When the data requestor does not add the first data value to the data unit of the second server before the first predetermined date, the second service direction sends the data requester to the second server for the second predetermined time The data unit adds a notification of the first data value.

If the data requester adds a first data value to the second service party's data unit before the predetermined date, although the first predetermined date has arrived, since the first service party has not received the second service, the data requester has sent the The data unit of the second servant adds a notification of the first data value, and therefore, the first servant maintains at least part of the data within the data unit of the data originator still remains locked.

402: The data requester receives the notification, and adds a first data value to a data unit of the second serving party within the second predetermined date.

In addition, since the data requester adds the first data value to the data unit of the second server before the predetermined date, the second service direction data requester requests to collect the second data value due to the expiration.

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.

403: The second service direction sends, by the first service party, a notification that the data requester has added the first data value.

404: 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 direction issues the value-added data brought by the frozen data during the freezing period.

Different from the prior art, when the second serving party of the embodiment detects that the data requestor does not add the first data value to the data unit of the second server, the second requesting party sends the data requester to the data requester for the second predetermined time. Invoking a notification of the first data value to the data unit of the second server, the data requester receiving the notification, and adding a first data value to the data unit of the second server within the second predetermined date, Transmitting, by the first service party, the first service party that the first service party has notified the first service party that the data requester has added a first data value to a data unit of the second service party Receiving a notification sent by the second server, and unlocking data in a data unit of the data initiator corresponding to 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, and at least two additional data are established. The 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, improve 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 second service party to open the data voucher, wherein the data voucher is a quantification tool for pre-established data association relationship between the data initiator and the first service party.

If the data requester adds a first data value to the data unit of the second service party within a predetermined date, the second money management server receives the loan returned by the first participant, and sends the loan to the first money management server Sending a notification notifying the first fund management server that the first party has returned the loan. Correspondingly, the first servant receives the above notification.

In addition, since the second servant directly sends the first data to the data requester, when the data requestor needs to add the first data value to the data unit of the second servant, the first data band needs to be added to the data unit at the same time. The corresponding value of the first interest.

In another embodiment, in order to enhance the data interaction between the server and the data requester, the service party also includes the record that the data requester adds the first data value to the second service unit on time, and incorporates the record into the credit system, and Raise the level of the data requestor 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 value of the first server to the data unit of the data initiator is equivalent to the first While the data of the data value size is unlocked, the data originator is also required to issue the value-added data brought by the frozen data during the freezing period.

Different from the prior art, in the first embodiment, the first service party receives the data requester sent by the second server and adds the first data value notification 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, and at least two additional data are established. The 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, 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: When the second servant detects that the data requestor does not add the first data value to the data unit of the second service party within the first predetermined date, the second servant sends the data requester to the data requester for the second predetermined time. The data unit of the second servant adds a notification of the first data value.

If the data requester adds a first data value to the second service party's data unit before the predetermined date, although the first predetermined date has arrived, since the first service party has not received the second service, the data requester has sent the The data unit of the second servant adds a notification of the first data value, and therefore, the first servant keeps the data in the data unit of the data initiator not less than the size of the first data value remains locked.

602: The second serving party sends the data to the first serving party when detecting that the data requester adds a first data value to a data unit of the second serving party before a second predetermined date. The requesting party has added a notification of the first data value, so that the first serving party unlocks the data in the data unit of the data originator corresponding to the data of the first data value size.

In addition, the partial value in the data unit of the data initiator is in the locked state, but still has the ownership right, and the first service party unfreezes the data association between the service party represented by the data certificate and the data initiator. At the same time, the data originator is also required to issue a second interest brought by the frozen data during the freezing period.

Different from the prior art, in the embodiment, when the second service party detects that the data requestor does not add the first data value to the data unit of the second service party within the first predetermined date, the second service party sends the data requester to the data requester. Adding a notification of the first data value to the data unit of the second server in a second predetermined time, and adding a first to the data unit of the second server before detecting the data requester by the second predetermined date And transmitting, to the first service party, a notification to the first service party that the data requester of the first service party has added a first data value to a data unit of the second service party, to enable the first service The party unlocks 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, and at least two additional data are established. The 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, 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 system of the present embodiment includes a data requesting terminal 701, a data originating terminal 702, and a first server 703 and a second server 704.

The second server 704 is configured to detect, when the data requesting terminal 701 does not add the first data value to the data unit of the second server 704 within the first predetermined date, send the data requesting terminal 704 to the second predetermined time. The data unit of the second server 704 adds a notification of the first data value.

The loan is issued by the second server 704 to the first participant according to an electronic commitment payment certificate from the first server 703, and the electronic commitment payment voucher is initiated by the first server 703 according to the data. The application of the terminal 702 is opened after freezing the funds of the data unit of the data originating terminal 702 not less than the loan amount.

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

The second server 704 is further configured to send a notification to 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 receives the notification sent by the second server 704, and unlocks the data in the data unit of the data originating terminal 702 corresponding to the first data value.

Different from the prior art, when the second server of the embodiment detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, the second server sends the data requesting terminal to the data requesting terminal. a notification of adding a first data value to the data unit of the second server within a predetermined time, the data requesting terminal receiving the notification, and adding a first data value to the data unit of the second server within the second predetermined date The second server sends a notification to the first server 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 receives the location The notification sent by the second server is performed, and the data in the data unit of the data originating terminal is unlocked by data corresponding to the size of the first data value. 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. 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 service terminal.

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 the unlocking module adds the first data value notification to the data unit of the second serving terminal. The value in the data unit of the 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.

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 sending module 901 is configured to: when the detecting module 902 detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, send the data requesting terminal to the data requesting terminal. The notification of the first data value is added to the data unit of the second server within a predetermined time.

The sending module 901 is further configured to: when the detecting module 902 detects that the data requesting terminal adds a first data value to a data unit of the second server before a second predetermined date, to the first server The party sends a notification that the data requesting terminal has added a first data value to the data unit of the second server, so that the value of the first server to the data unit of the data originating terminal is equivalent to the first A data value size data is unlocked.

Different from the prior art, the sending module of the embodiment server of the embodiment sends the data to the data module when the detecting module does not add the first data value to the data unit of the second server within the first predetermined date. Requesting the terminal to send a notification that the first data value is to be added to the data unit of the second server within a second predetermined time, and the detecting module detects that the data requesting terminal sends the second server to the second server before the second predetermined date When the data unit increases the first data value, the sending module sends a notification to the first server side to notify the first server that the data requesting terminal has added a first data value to the data unit of the second server. And causing the first server to unlock data in a data unit of the data originating terminal that is equal to the data size of the first data value. 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

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

When the second fund management server does not receive the loan returned by the first party within the first predetermined date, the second party sends a dunning notice to the first party to return the loan within the second predetermined date; 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 first The application of the second party shall be opened after freezing the funds of the second party not less than the loan amount;

Receiving, by the first participant, the dunning notice, and returning the loan to the second fund management server within the second predetermined date;

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.
The method according to claim 1, wherein the step of receiving, by the second fund management server, the loan returned by the first participant comprises:

The second fund management server receives the loan returned by the first participant and the loan interest.
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.
The method of repaying loans according to any one of claims 1 to 3, wherein the method further comprises: when the second money management server has not received the repayment after exceeding the repayment period, The second fund management server imposes a deferred penalty on the first party.
A lending method according to claim 4, characterized in that

The deferred penalty is an extension of the late payment fee or/and an increase in loan interest during the extended repayment period.
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.
The method according to claim 6, wherein the step of the first fund management server unfreezing the funds of the second participant with the loan amount 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.
A method of repaying loans, characterized in that it comprises:

When the second fund management server does not receive the loan returned by the first party within the first predetermined date, the second party sends a dunning notice to the first party to return the loan within the second predetermined date; 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 first The application of the second party shall be opened after freezing the funds of the second party not less than the loan amount;

Receiving the loan returned by the first participant within a second predetermined date; and transmitting, to the first fund management server, a notification that the first fund management server has returned the loan to the first participant, And causing the first fund management server to unfreeze the funds of the second participant and the loan amount.
The method according to claim 8, wherein the step of receiving the loan returned by the first participant comprises:

The second fund management server receives the loan returned by the first participant and the loan interest.
The method of repaying loans according to any one of claims 8 to 9, wherein the method further comprises: when the second money management server has not received the repayment after exceeding the repayment period, The second fund management server imposes a deferred penalty on the first party.
A data interaction processing method, the method comprising:

When the second servant detects that the data requestor does not add the first data value to the data unit of the second servant, sends the data unit to the data requester that needs to be sent to the second servant within the second predetermined time. Transmitting a notification of the first data value; wherein the first data value is sent by the second serving party to the data requester according to a data credential from the first serving party, the data credential being a service party opens, according to the application of the data initiator, the data in the data unit of the data initiator is not less than the data of the first data value size;

The data requester receives the notification and adds a first data value to a data unit of the second service party within the second predetermined date;

The second service direction sends a notification that the first service party informs that the data requester has increased the first data value;

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.
A data interaction processing method, the 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.
A data interaction processing method, the method comprising:

When the second servant detects that the data requestor does not add the first data value to the data unit of the second service party within the first predetermined date, sends the data requester to the second service within the second predetermined time. The data unit of the party increases the notification of the first data value; wherein the first data value is sent by the second service party to the data requester according to the data credential from the first service party, the data credential is And the service party opens, according to the application of the data initiator, the data in the data unit of the data initiator is locked not less than the data of the first data value size;

The second servant sends a notification to the first servant to notify the data request when detecting that the data requester adds a first data value to a data unit of the second servant before a second predetermined date The party has added a notification of the first data 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.
A data interaction processing system, comprising: a data requesting terminal, a data originating terminal, a first server, and a second server;

When the second server detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, the second server sends the data requesting terminal to the second server within a second predetermined time. The data unit adds a notification of the first data value; wherein the loan is issued by the second device to the data requestor based on an electronic commitment payment voucher from the first server, the electronic commitment payment voucher being The first server opens the application according to the data originating terminal, and freezes the data unit of the data originating terminal that is not less than the loan amount;

Receiving, by the data requesting terminal, the notification, and adding a first data value to a data unit of the second server within the second predetermined date;

Sending, by the second server, a notification that the data requesting terminal has added a first data value to the first server;

The first server receives the notification sent by the second server, and unlocks data in a data unit of the data originating terminal that is equal to the size of the first data value.
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 service terminal, where the first data value is obtained by the second server according to The data credential of the first server is sent to the data requesting terminal, and 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 a data value of the size of the data is opened;

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.
A server, comprising: a detection module and a sending module,

The sending module is configured to: when the detecting module detects that the data requesting terminal does not add the first data value to the data unit of the second server within the first predetermined date, send the data requesting terminal to the second request Transmitting, to the data unit of the second server, a notification of the first data value; wherein the first data value is sent by the second server to the data requesting terminal according to the data credential from the first server The data credential is opened by the first server according to the application of the data originating terminal, and the data in the data unit of the data originating terminal is locked not less than the data of the first data value;

The sending module is further configured to: when the detecting module detects that the data requesting terminal adds a first data value to a data unit of the second server before a second predetermined date, send the first data value to the first server side Notifying the data requesting terminal that the notification of the first data value has been added, so that the first server unlocks the data in the data unit of the data originating terminal corresponding to the data of the first data value size.