WO2016191937A1 - Lending method, and data interaction processing method, device and system - Google Patents
Lending method, and data interaction processing method, device and system Download PDFInfo
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- WO2016191937A1 WO2016191937A1 PCT/CN2015/080270 CN2015080270W WO2016191937A1 WO 2016191937 A1 WO2016191937 A1 WO 2016191937A1 CN 2015080270 W CN2015080270 W CN 2015080270W WO 2016191937 A1 WO2016191937 A1 WO 2016191937A1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Definitions
- the present invention relates to the field of credit, and in particular to a lending method, a data interaction processing method, apparatus and system.
- the application can usually be made by means of direct lending between individuals and individuals or by individuals borrowing from a bank.
- the lending activity between individuals and individuals is usually the agreement between the borrower and the lender through oral or written form. After the loan provides the assets to the borrower, the loan is brought to the lender due to lack of financial guarantee and supervision mechanism.
- the lending activities between individuals and banks have complex processes of collecting individual information, more labor interventions, and banks also need to bear the risk of capital. Therefore, it is necessary to provide a new lending method and data interaction processing mechanism to meet the user's online lending needs.
- the technical problem to be solved by the present invention is to provide a lending method, a data interaction processing method, device and system, which can reduce the risk of data interaction (loan).
- a technical solution adopted by the present invention is to provide a lending method, the method comprising: the first participant applying to the first fund management server to open an electronic commitment payment according to the borrowing request of the second participant a voucher; wherein the value of the electronic commitment payment voucher is less than the value of the loan requested by the second participant, and the first party applies for the first fund management server with the account fund or the credit line as a margin And being opened by the first fund management server; the first fund management server freezes the funds of the first participant's value equal to the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the first fund management server; the second fund The management server receives the electronic commitment payment voucher opened by the first fund management server, and issues a first fund equal to the value of the electronic commitment payment voucher to the second participant; wherein the first fund is issued Set by the second money management server to be returned within a predetermined time; and the third party according to the The remaining borrowing request initiated by the second participant, the third fund is distributed to the second participant by the third fund management server; where
- another technical solution adopted by the present invention is to provide a lending method, the method comprising: receiving, by a first fund management server, a first participant according to a received borrowing request of a second participant;
- the application opens an electronic commitment payment voucher that is less than the value of the loan requested by the second participant; wherein the electronic commitment payment voucher is that the first participant uses the account fund or credit line as a margin to the first
- the fund management server applies for and is opened by the first fund management server; freezes the first participant's funds equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher; and the electronic commitment Sending the payment voucher to the second fund management server, causing the second fund management server to issue the first fund equal to the value of the electronic commitment payment voucher to the second participant; wherein the first fund issued by the second fund is
- the second money management server is set to return within a predetermined time.
- another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the second fund management server receiving the first fund management server to open according to the application of the first participant The electronic commitment payment voucher; wherein the application is issued to the first fund management server for receiving the borrowing request of the second participant by the first participant, the value of the electronic commitment payment voucher is less than the number The value of the loan requested by the second party, and the first party is requested by the first fund management server and opened by the first fund management server with its account fund or credit line as a security deposit; The second party issues a first fund equal to the electronic commitment payment voucher value; the issued first fund is set by the second money management server to be returned within a predetermined time.
- another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first data initiator adding a first data value to a data unit according to a data requestor initiation request The data request is submitted to the first service party, and the first service party opens a data certificate smaller than the first data value according to the application of the first data initiator; wherein the data certificate is the first a quantification tool for pre-established data association relationship between the data originator and the first service party; the first service party locks the data unit of the first data initiator according to the data credential opened by the first service party a first portion of data equal to a size of the data value represented by the data voucher; the second server receives the data voucher opened by the first server and increases the data size of the first portion to the data requestor data unit Data value; wherein the second service party is set to increase the location of the data requester to the second server data unit within a predetermined time a data value of the first portion of data equal in size; and a data request by
- a data interaction processing system comprising: a data requesting terminal, configured to initiate a first data that needs to add a first data value to a data unit thereof.
- a first data initiating terminal configured to submit an application for opening a data credential to the first service party according to the first data request, where the first server is configured to open a smaller than the first data value according to the application a data voucher, according to the data voucher opened by the first data in the data unit of the first data initiating terminal, which is equal in size to the data value represented by the data voucher; wherein the data voucher is a quantification tool for pre-establishing a data association relationship between the first data initiating terminal and the first server; a second server, configured to receive the data credential opened by the first server, and request the data
- the square data unit increases a data value equal to the first partial data size; wherein the second server is set in a predetermined time
- the requesting party should add a data value equal to the first partial
- a second data request configured to add, to the data requesting terminal data unit, a data value equal to the second partial data size according to the second data request; wherein the first partial data and The sum of the data values of the second partial data is the first data value.
- another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the first service party initiates a request to the data according to the data requester received by the first data initiator.
- the unit increases a first data request of the first data value and opens a data credential smaller than the first data value size; wherein the data credential is a pre-initial between the first data initiator and the first service party a quantitative tool for establishing a data association relationship; locking, according to the data voucher, a first portion of data in the data unit of the first data initiator that is equal in size to a data value represented by the data voucher; and transmitting the data voucher Up to the second servant, causing the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein the second service party is set to be within a predetermined time A data value equal to the first partial data size is added to the second servant data unit.
- a data credential opening module configured to initiate according to a data requester received by the first data initiator Requiring a first data request for adding a first data value to its data unit to open a data credential smaller than the first data value size; wherein the data credential is between the first data originating terminal and the device a quantization tool of the pre-established data association relationship; the processing module, configured to lock, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher; a issuing module, configured to send the data voucher to a second service party, to cause the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein, the second The service provider sets the data requester to increase the size of the first partial data to the second server data unit within a predetermined time. Data values.
- another technical solution adopted by the present invention is to provide a data interaction processing method, the method comprising: the second service party receiving the first service party to open according to the application of the first data initiator a data voucher; wherein the request is sent by the first data originator receiving data requestor to initiate a first data request requiring a first data value to be added to its data unit, the data voucher being smaller than the first data a quantization tool having a value and a pre-established data association relationship between the first data initiator and the first server; and adding a data equal to the data size of the first portion to the data requestor data unit a data value; wherein the second servant is set to increase the data value equal to the first partial data size to the second servant data unit within a predetermined time.
- another technical solution adopted by the present invention is to provide a data interaction processing apparatus, and the apparatus includes: a receiving module, configured to receive, by the first service party, open according to an application of the first data initiator Data credential; wherein the request is sent by the first data originator receiving data requestor to initiate a first data request requiring a first data value to be added to its data unit, the data credential being less than the first a data value, and a quantization tool that is a pre-established data association relationship between the first data initiator and the first service party; and an issuance module, configured to add to the data requestor data unit And a data value of the first portion of data equal in size; wherein the second server is set to increase the data value equal to the first partial data size to the second server data unit within a predetermined time.
- a receiving module configured to receive, by the first service party, open according to an application of the first data initiator Data credential; wherein the request is sent by the first data originator receiving data requestor to initiate a first data request requiring a
- the service party and Data interaction relationship between data requesters provides data monitoring and data feedback for data interaction between data initiators and data requesters, improving data security and data interaction stability.
- FIG. 1 is a schematic flow chart of a lending method in a first embodiment of the present invention
- FIG. 2 is a schematic flow chart of a lending method in a second embodiment of the present invention.
- FIG. 3 is a schematic flow chart of a lending method in a third embodiment of the present invention.
- FIG. 4 is a schematic flow chart of a lending method in a fourth embodiment of the present invention.
- FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention.
- FIG. 6 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention.
- FIG. 7 is a schematic flow chart of a data interaction processing method in a third embodiment of the present invention.
- FIG. 8 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention.
- FIG. 9 is a schematic structural diagram of a data interaction processing apparatus according to a first embodiment of the present invention.
- FIG. 10 is a schematic structural diagram of a data interaction processing apparatus in a second embodiment of the present invention.
- FIG. 1 is a schematic flowchart diagram of a lending method according to a first embodiment of the present invention.
- the method flow shown in this embodiment includes the following steps:
- step S10 the first participant applies to the first fund management server to open an electronic commitment payment certificate according to the borrowing request of the second participant.
- the value of the electronic commitment payment voucher is less than the value of the loan requested by the second participant, and the first party applies for the first fund management server with the account fund or the credit line as the deposit and is managed by the first fund The server is open.
- the first participant is a loan originator and the second participant is a borrower.
- step S10 the first participant applies to the first fund management server to open an electronic commitment payment voucher according to the borrowing request of the second participant, which is specifically implemented by the following steps:
- step S10a the second participant initiates the loan request through a server platform.
- the server platform may be an e-commerce platform, and the borrower may also access the e-commerce platform to complete the initiation of the loan request through an application installed in the smart terminal.
- Step S10b the first participant receives the loan request, and applies to the first fund management server according to the loan request and opens the electronic commitment payment certificate by the first fund management server.
- the loan originator can also access the server platform to find and receive the borrower's loan request. Further, the loan originator can view the loan requests initiated by the multiple borrowers through the server platform, and select an appropriate reception.
- step S11 the first fund management server freezes the funds of the first party equal to the value of the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the first fund management server.
- the frozen funds are the deposit of the second party to the first fund management server, or the credit amount of the second party to the first fund management server, or the second party of the second fund management server Mortgage real estate.
- Step S12 The second fund management server receives the electronic commitment payment voucher opened by the first fund management server, and issues the first fund equal to the value of the electronic commitment payment voucher to the second participant.
- the first fund of the issuance is set by the second fund management server to be returned within a predetermined time.
- the first fund management server is a first bank fund management server
- the second fund management server is a fund management server of the second bank.
- the first money management server and the second money management server are the same money management server.
- Step S13 The third participant issues a second fund to the second participant through the third fund management server according to the remaining loan request initiated by the second participant.
- the sum of the value of the first fund and the second fund is equal to the value of the loan requested by the second party.
- the third party is composed of at least one initiator, and the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- the borrower issues a loan request with a loan of 100,000.
- the first loan originator submits an application to the first bank to open an electronic commitment payment certificate, and the value of the electronic commitment payment certificate opened by the application is less than 100,000.
- the first bank opens an electronic commitment payment certificate according to the application of the first loan initiator, and freezes the funds of the first loan initiator in the first bank according to the opened electronic commitment payment certificate, wherein the value of the frozen funds is opened
- the value of the electronic promised payment voucher is equal.
- the first loan originator is frozen in the bank deposit of 80,000 as the guarantee of the first loan originator.
- the second bank receives the electronic commitment payment certificate opened by the first bank, and issues 80,000 funds to the borrower.
- the borrower initiates a loan request to the second loan originator.
- the third bank will issue 20,000 funds to the borrower.
- the second loan initiator may include one or more initiators.
- the borrower may separately request to borrow 10,000 funds from the two initiators.
- the funds issued to the borrower need to be returned within the predetermined time.
- the bank requires 80,000 funds to be paid to the borrower to be returned within a six-month period, and another bank stipulates 20,000 yuan to be paid to the borrower. Funds need to be returned within a four-month period.
- the 80,000 deposits in the bank are not borrowed by the bank to the borrower, but are not frozen by the bank.
- the 80,000 deposits are still in the lender’s account and belong to the lender.
- the risk is greatly reduced, and because the 80,000 deposits still belong to them, it is possible to obtain additional benefits.
- For the borrower it borrows from the lender rather than borrowing from the bank, but the actual amount comes from the bank, and the subsequent payment is still returned to the bank. Based on the strong strength and counter-force of the bank, it will strengthen self-discipline to match
- the lender completes the entire lending process and further reduces the lender's risk.
- the bank's strong strength makes the loan process smoother and more convenient for the borrower.
- the loan of 80,000 funds is guaranteed by the loaner’s frozen 80,000 storage, and the risk is not borne by itself.
- the lending process can be guaranteed to a certain extent. . After successful completion, you can increase your potential customers, get more customer information, and you can get additional benefits from the lending process.
- the third party is composed of at least one initiator, and the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- the first loan initiator applies to the first fund management server to open an electronic commitment payment voucher that is less than the requested loan value when receiving the borrower's loan request, and after the first fund management server opens the electronic commitment payment certificate,
- the funds corresponding to the value of the electronic commitment payment voucher are frozen by the first loan originator, and the second fund management server issues funds equal to the value of the electronic commitment payment voucher to the borrower according to the electronic commitment payment voucher.
- the remaining portion of the loan is issued by the second loan originator to the borrower through the third fund management server. Therefore, the fund management server is used as an intermediary platform for the borrower and the loan initiator, the loan is initiated to the fund management server, and the fund management server issues the loan to the borrower, thereby reducing the risk of the lending process.
- FIG. 3 is a schematic flowchart diagram of a lending method according to a third embodiment of the present invention.
- the method flow shown in this embodiment includes:
- Step S20 The first fund management server receives an electronic commitment payment voucher that is submitted by the first participant according to the received borrowing request of the second participant to open a loan value that is less than the loan value requested by the second participant.
- the electronic commitment payment certificate is that the first participant applies to the first fund management server and is opened by the first fund management server with its account fund or credit line as a security deposit.
- the first participant is a loan originator and the second participant is a borrower.
- Step S21 freezing the first participant's funds equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher.
- the frozen funds are the deposit of the second party to the first fund management server, or the credit amount of the second party to the first fund management server, or the second party of the second fund management server Mortgage real estate.
- Step S22 the electronic commitment payment voucher is sent to the second fund management server, so that the second fund management server issues the first fund equal to the value of the electronic commitment payment voucher to the second participant.
- the first fund of the issuance is set by the second fund management server to be returned within a predetermined time.
- the first fund management server is a first bank fund management server
- the second fund management server is a fund management server of the second bank.
- the first money management server and the second money management server are the same money management server.
- the third participant issues the second fund to the second participant through the third fund management server according to the remaining loan request initiated by the second participant.
- the sum of the value of the first fund and the second fund is equal to the value of the loan requested by the second party.
- the second loan originator is composed of at least one initiator
- the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- FIG. 4 is a schematic flowchart diagram of a lending method according to a fourth embodiment of the present invention.
- the method flow shown in this embodiment includes:
- Step S31 The second fund management server receives the electronic commitment payment voucher opened by the first fund management server according to the application of the first party. Wherein the application is sent to the first fund management server for receiving the loan request of the second party by the first participant, the value of the electronic commitment payment certificate is less than the value of the loan requested by the second participant, and The first party applies to the first fund management server and opens the first fund management server with its account fund or credit line as a security deposit.
- Step S32 issuing a first fund equal to the value of the electronic commitment payment voucher to the second participant.
- the first funds issued are set by the second money management server to be returned within a predetermined time.
- the first fund management server is a first bank fund management server
- the second fund management server is a fund management server of the second bank.
- the first money management server and the second money management server are the same money management server.
- the third participant issues the second fund to the second participant through the third fund management server according to the remaining loan request initiated by the second participant.
- the sum of the value of the first fund and the second fund is equal to the value of the loan requested by the second party.
- the second loan originator is composed of at least one initiator
- the third fund management server may be a bank or a third party payment platform (eg, Alipay, WeChat, etc.).
- FIG. 5 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention.
- the method flow shown in this embodiment includes:
- Step S40 The first data initiator sends an application to the first service party according to the data requestor requesting the data request to add the first data value to the data unit, and the first service party opens the application according to the first data initiator.
- a data credential that is smaller than the size of the first data value.
- the data voucher is a quantification tool for pre-established data association relationship between the first data initiator and the first service party.
- Step S41 The first service party locks, according to the data certificate opened by the first service party, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data certificate.
- the first data initiator opens a data credential smaller than the first data value to the service party through the second server platform.
- the first server platform and the second server platform may be the same server platform or different server platforms.
- first server platform and the second server platform may be an e-commerce platform
- the data requesting party may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, where the first data initiator Open the data voucher through the e-commerce platform in response to the data request.
- Step S42 the second server receives the data certificate opened by the first server, and adds a data value equal to the size of the first part data to the data requester data unit.
- the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.
- Step S43 the second data initiator adds a data request equal to the second partial data size by the data requester, and increases the data size of the second partial data by the third service direction.
- Data value The sum of the data values of the first partial data and the second partial data is the first data value.
- the second data originator is composed of at least one initiator.
- a data interaction processing method according to a second embodiment of the present invention, the method flow shown in the implementation manner includes:
- Step S50 The first serving party opens a data credential smaller than the first data value according to an application that the data requester received by the first data initiator initiates a first data request that needs to add a first data value to its data unit.
- the data voucher is a quantification tool for pre-established data association relationship between the first data initiator and the first service party.
- the data requester initiates a data request requiring the first data through the first server platform.
- the first data initiator submits an application to the first service party to open a data credential smaller than the first data value through the second server platform.
- the first server platform and the second server platform may be the same server platform or different server platforms.
- first server platform and the second server platform may be an e-commerce platform
- the data requesting party may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, where the first data initiator An application for opening a data voucher is submitted to the first service party by the e-commerce platform in response to the data request.
- Step S51 locking, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher.
- Step S52 the data voucher is sent to the second service party, so that the second service direction adds the data value equal to the first partial data size to the data requestor data unit.
- the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.
- a data interaction processing method includes:
- Step S60 The second service party receives the data certificate opened by the first service party according to the application of the first data initiator.
- the application is sent by the first data initiator to receive a data requestor to initiate a first data request to add a first data value to the data unit, where the data voucher is smaller than the first data value, and is the first A quantification tool for pre-established data association relationships between the data originator and the first servant.
- Step S61 adding a data value equal to the size of the first partial data to the data requestor data unit.
- the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.
- FIG. 8 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention.
- the system 70 shown in this embodiment includes a data requesting terminal 71, a first data originating terminal 72, a first server 73, a second server 74, a second data originating end 75, and a third server 76.
- the data requesting terminal 71 is configured to initiate a first data request that needs to add a first data value to its data unit.
- the data requesting terminal 71 initiates a first data request requiring the first data through the first server platform.
- the first data originating terminal 72 is configured to submit an application for opening a data credential to the first service party according to the first data request.
- the first data originating terminal 72 opens the data credential to the first server 73 through the second server platform.
- the first server platform and the second server platform may be the same server platform or different server platforms.
- the first server platform and the second server platform may be an e-commerce platform
- the data requesting terminal 71 may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, the first
- the data originating terminal 72 submits an application for opening the data voucher to the first server 73 via the e-commerce platform response data request.
- the data credential is a quantification tool for pre-established data association relationship between the first data originating terminal 72 and the first server 73.
- the first server 73 is configured to open a data credential smaller than the first data value according to the application of the first data initiating terminal 72, and lock the data unit of the first data initiating terminal 72 according to the data credential opened by the first server 73.
- the first part of data having the same data value represented by the data voucher.
- the data credential is a quantification tool for pre-established data association relationship between the first data originating terminal 72 and the first server 73.
- the second server 74 is configured to receive the data credential opened by the first server 73, and add a data value equal to the first partial data size to the data requester 71 data unit. Wherein, the second server 74 is set to increase the data value equal to the size of the first partial data to the data unit of the second server 74 within a predetermined time.
- the second data originating terminal 75 is configured to request, according to the data, a second data request initiated by the terminal 71 to increase a data value equal to the second partial data size.
- the third server 76 is configured to add a data value equal to the second partial data size to the data requesting terminal 71 data unit according to the second data request.
- the sum of the data values of the first partial data and the second partial data is the first data value.
- the first server 73 is a first fund management server, and the first money management server may be a bank.
- the second server 74 is a second money management server, and the second money management server may be a bank.
- the third server 76 is a third fund management server, and the third money management server may be a bank, a third party payment platform.
- the first server 73 and the second server 74 are first money management servers, and the first money management server may be a bank.
- FIG. 9 is a data interaction processing apparatus according to the first embodiment of the present invention.
- the data interaction processing apparatus 80 shown in this embodiment includes a data credential opening module 81, a processing module 82, and a distribution module 83.
- the device 80 operates in a banking system.
- the data credential opening module 81 is configured to: according to the data requester received by the first data initiator, initiate a first data request that needs to add a first data value to the data unit, and open data smaller than the first data value. certificate.
- the data credential is a quantification tool for pre-established data association relationship between the first data originating terminal and the device.
- the data credential opening module 81 receives the data credential opened by the first data originating terminal through a server platform.
- the processing module 82 is configured to lock, according to the data credential, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential.
- the issuance module 83 is configured to send the data credential to the second service party, so that the second service direction adds a data value equal to the first partial data size to the data requestor data unit.
- the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.
- FIG. 10 is a data interaction processing apparatus according to a second embodiment of the present invention.
- the data interaction processing apparatus 90 shown in this embodiment includes a receiving module 91 and a issuing module 92.
- the device 90 operates in a banking system.
- the receiving module 91 is configured to receive a data credential opened by the first service party according to the application of the first data initiator.
- the application is sent by the first data initiator to receive a data requestor to initiate a first data request to add a first data value to the data unit, where the data voucher is smaller than the first data value, and is the first A quantification tool for pre-established data association relationships between the data originator and the first servant.
- the issuance module 92 is configured to add a data value equal to the first partial data size to the data requestor data unit.
- the second servant is set to increase the data value equal to the size of the first partial data to the second servant data unit within a predetermined time.
- the invention provides a lending method, a data interaction processing method, a device and a system, and a data voucher is used to establish a data association relationship between a data initiator and a service party in advance, and the data initiator needs to first initiate the data requesting party.
- the data credential smaller than the first data value is opened to the service party, so that the service party freezes the data association relationship between the data credential and the data originator, so that the second service party requests the data according to the data credential.
- the square data unit is incremented with the corresponding data value.
- the service party and the data requester join the service party, and establish the data initiator and the service party, the service party and the data requester
- the data interaction relationship between the data provides data monitoring and data feedback for data interaction between the data initiator and the data requester, which increases the data association mode and enriches the data interaction connotation, so that when any party has data problems,
- the data (or data association relationship) can be restored by means of other two data interaction relationships to improve data security and data interaction stability.
Abstract
Description
Claims (14)
- 一种借贷方法,其中,所述方法包括:A lending method, wherein the method comprises:第一参与方根据第二参与方的借款请求向第一资金管理服务器申请开立电子承诺支付凭证;其中,所述电子承诺支付凭证的价值小于所述第二参与方请求的借款价值,且为所述第一参与方以其账户资金或授信额度作为保证金向所述第一资金管理服务器申请并由第一资金管理服务器开立的;The first participant applies to the first fund management server to open an electronic commitment payment certificate according to the second party's loan request; wherein the value of the electronic commitment payment certificate is less than the value of the loan requested by the second participant, and The first party applies to the first fund management server and opens the first fund management server with its account fund or credit line as a margin;所述第一资金管理服务器根据其开立的电子承诺支付凭证冻结所述第一参与方的与所述电子承诺支付凭证价值相等的资金;The first fund management server freezes funds of the first participant's value equal to the electronic commitment payment voucher according to the electronic commitment payment certificate opened by the first fund management server;第二资金管理服务器接收所述第一资金管理服务器开立的电子承诺支付凭证,并向所述第二参与方发放与所述电子承诺支付凭证价值相等的第一资金;其中,所述发放的第一资金由所述第二资金管理服务器设置为在预定时间内归还;以及Receiving, by the second fund management server, an electronic commitment payment voucher opened by the first fund management server, and issuing, to the second participant, a first fund equal to the value of the electronic commitment payment voucher; wherein the The first funds are set by the second money management server to be returned within a predetermined time;第三参与方根据所述第二参与方发起的剩余借款请求,通过第三资金管理服务器向所述第二参与方发放第二资金;其中,所述第一资金与所述第二资金的价值总和与所述第二参与方请求的借款价值相等。The third participant issues a second fund to the second participant through the third fund management server according to the remaining loan request initiated by the second participant; wherein the value of the first fund and the second fund The sum is equal to the value of the loan requested by the second party.
- 根据权利要求1所述的借贷方法,其中,所述第一参与方根据第二参与方的借款请求向第一资金管理服务器申请开立电子承诺支付凭证的步骤包括:The lending method according to claim 1, wherein the step of the first party requesting to open the electronic commitment payment voucher to the first fund management server according to the borrowing request of the second party includes:所述第二参与方通过一服务器平台发起所述借款请求;以及The second participant initiates the loan request through a server platform;所述第一参与方接收所述借款请求,并根据所述借款请求向所述第一资金管理服务器申请并由第一资金管理服务器开立所述电子承诺支付凭证。The first participant receives the loan request, and applies to the first fund management server according to the loan request and opens the electronic commitment payment certificate by the first fund management server.
- 根据权利要求1所述的借贷方法,其中,所述第一资金管理服务器为第一银行的资金管理服务器,所述第二资金管理服务器为第二银行的资金管理服务器,所述第三资金管理服务器平台是第三银行或第三方支付平台的资金管理服务器;所述冻结的资金为所述第二参与方于所述第一资金管理服务器的存款、或所述第一资金管理服务器给予所述第二参与方的授信额度、或所述第二参与方于所述第一资金管理服务器抵押的不动产。The lending method according to claim 1, wherein the first fund management server is a fund management server of the first bank, the second fund management server is a fund management server of the second bank, and the third fund management The server platform is a fund management server of the third bank or the third party payment platform; the frozen funds are the deposit of the second party to the first fund management server, or the first fund management server The credit line of the second party or the real property mortgaged by the second party at the first fund management server.
- 根据权利要求2所述的借贷方法,其中,所述第一资金管理服务器为第一银行的资金管理服务器,所述第二资金管理服务器为第二银行的资金管理服务器,所述第三资金管理服务器平台是第三银行或第三方支付平台的资金管理服务器;所述冻结的资金为所述第二参与方于所述第一资金管理服务器的存款、或所述第一资金管理服务器给予所述第二参与方的授信额度、或所述第二参与方于所述第一资金管理服务器抵押的不动产。The lending method according to claim 2, wherein the first money management server is a money management server of the first bank, the second money management server is a money management server of the second bank, and the third money management The server platform is a fund management server of the third bank or the third party payment platform; the frozen funds are the deposit of the second party to the first fund management server, or the first fund management server The credit line of the second party or the real property mortgaged by the second party at the first fund management server.
- 根据权利要求1所述的借贷方法,其中,所述第一资金管理服务器以及所述第二资金管理服务器为同一个资金管理服务器。The lending method according to claim 1, wherein said first money management server and said second money management server are the same money management server.
- 根据权利要求2所述的借贷方法,其中,所述第一资金管理服务器以及所述第二资金管理服务器为同一个资金管理服务器。The lending method according to claim 2, wherein said first money management server and said second money management server are the same money management server.
- 一种借贷方法,其中,所述方法包括:A lending method, wherein the method comprises:第一资金管理服务器接收第一参与方根据接收到的第二参与方的借款请求而提出的申请开立小于所述第二参与方请求的借款价值的电子承诺支付凭证;其中,所述电子承诺支付凭证是所述第一参与方以其账户资金或授信额度作为保证金向所述第一资金管理服务器申请并由所述第一资金管理服务器开立的;The first fund management server receives an application submitted by the first participant according to the received borrowing request of the second participant to open an electronic commitment payment certificate smaller than the value of the loan requested by the second participant; wherein the electronic commitment The payment voucher is that the first participant applies to the first fund management server with the account fund or the credit line as a deposit and is opened by the first fund management server;根据所述电子承诺支付凭证冻结所述第一参与方的与所述电子承诺支付凭证价值相等的资金;以及Freeing funds of the first party that are equal to the value of the electronic commitment payment voucher according to the electronic commitment payment voucher;将所述电子承诺支付凭证发送至第二资金管理服务器,使所述第二资金管理服务器向所述第二参与方发放与所述电子承诺支付凭证价值相等的第一资金;其中,所述发放的第一资金由所述第二资金管理服务器设置为在预定时间内归还。Sending the electronic commitment payment voucher to a second fund management server, causing the second fund management server to issue a first fund equal to the value of the electronic commitment payment voucher to the second participant; wherein the issuance The first funds are set by the second money management server to be returned within a predetermined time.
- 一种借贷方法,其中,所述方法包括:A lending method, wherein the method comprises:第二资金管理服务器接收第一资金管理服务器根据第一参与方的申请而开立的电子承诺支付凭证;其中,所述申请为所述第一参与方接收第二参与方的借款请求而向所述第一资金管理服务器发出的,所述电子承诺支付凭证的价值小于所述第二参与方请求的借款价值,且为所述第一参与方以其账户资金或授信额度作为保证金向所述第一资金管理服务器申请并由第一资金管理服务器开立的;以及The second fund management server receives an electronic commitment payment voucher opened by the first fund management server according to the application of the first participant; wherein the application is for the first participant to receive the loan request of the second participant The value of the electronic commitment payment voucher issued by the first fund management server is less than the value of the loan requested by the second participant, and the first participant uses the account fund or the credit line as the margin to the first party. a fund management server application and opened by the first money management server;向所述第二参与方发放第一资金;其中,所述第一资金为所述第一资金管理服务器根据所述电子承诺支付凭证冻结所述第一参与方的与所述电子承诺支付凭证价值相等的资金,并且所述发放的第一资金由所述第二资金管理服务器设置为在预定时间内归还。Distributing a first fund to the second participant; wherein the first fund is the first fund management server freezing the value of the electronic commitment voucher of the first participant according to the electronic commitment payment voucher Equal funds, and the issued first funds are set by the second money management server to be returned within a predetermined time.
- 一种数据交互处理方法,其中,所述方法包括:A data interaction processing method, wherein the method comprises:第一数据发起方根据数据请求方发起需要向其数据单元增加第一数据值的数据请求向第一服务方提出申请,并由所述第一服务方根据第一数据发起方的申请开立小于所述第一数据值大小的数据凭证;其中,所述数据凭证是所述第一数据发起方与所述第一服务方之间预先建立的数据关联关系的量化工具;The first data initiator makes an application to the first service party according to the data requestor initiating a data request that needs to add a first data value to its data unit, and is opened by the first service party according to the application of the first data initiator. a data credential of a first data value size; wherein the data credential is a quantification tool for a pre-established data association relationship between the first data originator and the first service party;所述第一服务方根据其开立的所述数据凭证锁定所述第一数据发起方的数据单元中与所述数据凭证所代表的数据值大小相等的第一部分数据;The first servant locks, according to the data credential opened by the first servant, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential;第二服务方接收所述第一服务方开立的数据凭证,并向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务方设置在预定时间内数据请求方应向第二服务方数据单元增加与所述第一部分数据大小相等的数据值;以及Receiving, by the second server, the data certificate opened by the first service party, and adding a data value equal to the first partial data size to the data requestor data unit; wherein the second service party is set within a predetermined time The data requestor shall add a data value equal to the size of the first partial data to the second servant data unit;第二数据发起方根据所述数据请求方发起的增加与第二部分数据大小相等的数据值的数据请求,通过第三服务方向所述数据请求方数据单元增加与所述第二部分数据大小相等的数据值;其中,所述第一部分数据与所述第二部分数据的数据值总和为所述第一数据值。Transmitting, by the data requesting party, a data request initiated by the data requester to increase a data value equal to a second partial data size, and increasing, by the third service direction, the data requestor data unit to be equal to the second partial data size Data value; wherein, the sum of the data values of the first partial data and the second partial data is the first data value.
- 一种数据交互处理系统,其中,所述系统包括:A data interaction processing system, wherein the system comprises:数据请求终端,用于发起需要向其数据单元增加第一数据值的第一数据请求;a data requesting terminal, configured to initiate a first data request that needs to add a first data value to its data unit;第一数据发起终端,用于根据所述第一数据请求向第一服务方提出开立数据凭证的申请;a first data initiating terminal, configured to submit an application for opening a data credential to the first service party according to the first data request;第一服务器,用于根据所述申请开立小于所述第一数据值大小的数据凭证,根据其开立的所述数据凭证锁定所述第一数据发起终端的数据单元中与所述数据凭证所代表的数据值大小相等的第一部分数据;其中,所述数据凭证是所述第一数据发起终端与所述第一服务器之间预先建立的数据关联关系的量化工具;a first server, configured to open a data credential smaller than the first data value according to the application, and lock the data unit in the data unit of the first data originating terminal according to the data credential opened by the application a first part of data that is equal in size of data values; wherein the data voucher is a quantification tool for pre-established data association relationship between the first data originating terminal and the first server;第二服务器,用于接收所述第一服务器开立的所述数据凭证,并向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务器设置在预定时间内数据请求方应向第二服务器数据单元增加与所述第一部分数据大小相等的数据值;以及a second server, configured to receive the data credential opened by the first server, and add a data value equal to the first partial data size to the data requestor data unit; wherein the second server is configured The data requester shall add a data value equal to the first partial data size to the second server data unit within a predetermined time;第二数据发起终端,用于根据所述数据请求终端发起的增加与第二部分数据大小相等的数据值的第二数据请求;以及a second data initiating terminal, configured to: according to the data requesting terminal, a second data request that increases a data value equal to a size of the second partial data; and第三服务器,用于根据所述第二数据请求向所述数据请求终端数据单元增加与所述第二部分数据大小相等的数据值;其中,所述第一部分数据与所述第二部分数据的数据值总和为所述第一数据值。a third server, configured to add, according to the second data request, a data value equal to the size of the second partial data to the data requesting terminal data unit; wherein, the first partial data and the second partial data The sum of the data values is the first data value.
- 一种数据交互处理方法,其中,所述方法包括:A data interaction processing method, wherein the method comprises:第一服务方根据第一数据发起方接收到的数据请求方发起需要向其数据单元增加第一数据值的第一数据请求而开立小于所述第一数据值大小的数据凭证;其中,所述数据凭证是所述第一数据发起方与所述第一服务方之间预先建立的数据关联关系的量化工具;The first server opens a data credential smaller than the first data value according to the data requester received by the first data initiator to initiate a first data request that needs to add a first data value to its data unit; The data voucher is a quantification tool for pre-established data association relationship between the first data initiator and the first service party;根据所述数据凭证锁定所述第一数据发起方的数据单元中与所述数据凭证所代表的数据值大小相等的第一部分数据;以及And locking, according to the data voucher, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data voucher;将所述数据凭证发送至第二服务方,使所述第二服务方向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务方设置在预定时间内数据请求方应向第二服务方数据单元增加与所述第一部分数据大小相等的数据值。Sending the data voucher to the second server, causing the second service direction to add a data value equal to the first partial data size to the data requester data unit; wherein the second service party is set at a predetermined The data requestor shall add a data value equal to the size of the first partial data to the second servant data unit.
- 一种数据交互处理装置,其中,所述装置包括:A data interaction processing device, wherein the device comprises:数据凭证开立模块,用于根据第一数据发起方接收到的数据请求方发起需要向其数据单元增加第一数据值的第一数据请求而开立小于所述第一数据值大小的数据凭证;其中,所述数据凭证是所述第一数据发起终端与所述装置之间预先建立的数据关联关系的量化工具;a data credential opening module, configured to initiate a data credential smaller than the first data value according to a data requester received by the first data initiator to initiate a first data request that needs to add a first data value to its data unit Wherein the data credential is a quantification tool for pre-established data association relationship between the first data originating terminal and the device;处理模块,用于根据所述数据凭证锁定所述第一数据发起方的数据单元中与所述数据凭证所代表的数据值大小相等的第一部分数据;以及a processing module, configured to lock, according to the data credential, the first part of data in the data unit of the first data initiator that is equal in size to the data value represented by the data credential;发放模块,用于将所述数据凭证发送至第二服务方,使所述第二服务方向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务方设置在预定时间内数据请求方应向第二服务方数据单元增加与所述第一部分数据大小相等的数据值。a issuing module, configured to send the data voucher to a second service party, to cause the second service direction to add a data value equal to the first partial data size to the data requestor data unit; wherein, the second The servant sets the data requestor to add a data value equal to the first partial data size to the second servant data unit within a predetermined time.
- 一种数据交互处理方法,其中,所述方法包括:A data interaction processing method, wherein the method comprises:第二服务方接收第一服务方根据第一数据发起方的申请而开立的数据凭证;其中,所述申请为所述第一数据发起方接收数据请求方发起需要向其数据单元增加第一数据值的第一数据请求而发出的,所述数据凭证小于所述第一数据值大小,且为所述第一数据发起方与所述第一服务方之间预先建立的数据关联关系的量化工具;以及Receiving, by the second server, a data credential opened by the first service party according to the application of the first data initiator; wherein the request is initiated by the first data initiator to receive data, and the first request is required to add a first data to the data unit The first data request is sent by the first data request, and the data voucher is smaller than the first data value, and is a quantization of a pre-established data association relationship between the first data initiator and the first service party. Tools;向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务方设置在预定时间内数据请求方应向第二服务方数据单元增加与所述第一部分数据大小相等的数据值。Adding to the data requestor data unit a data value equal to the first partial data size; wherein the second service party is set to increase the number of data requestors to the second server data unit within a predetermined time A portion of data with equal data sizes.
- 一种数据交互处理装置,其中,所述装置包括:A data interaction processing device, wherein the device comprises:接收模块,用于接收第一服务方根据第一数据发起方的申请而开立的数据凭证;其中,所述申请为所述第一数据发起方接收数据请求方发起需要向其数据单元增加第一数据值的第一数据请求而发出的,所述数据凭证小于所述第一数据值大小,且为所述第一数据发起方与所述第一服务方之间预先建立的数据关联关系的量化工具;以及a receiving module, configured to receive a data credential opened by the first service party according to the application of the first data initiator; wherein the request is sent by the first data initiator to the data requester to initiate an increase to the data unit And sending, by the first data request of the data value, the data voucher is smaller than the first data value, and is a pre-established data association relationship between the first data initiator and the first service party. Quantitative tools;发放模块,用于向所述数据请求方数据单元增加与所述第一部分数据大小相等的数据值;其中,所述第二服务方设置在预定时间内数据请求方应向第二服务方数据单元增加与所述第一部分数据大小相等的数据值。a issuing module, configured to add, to the data requestor data unit, a data value equal to the first partial data size; wherein the second service party is set to a data requester to the second service party data unit within a predetermined time A data value equal to the size of the first partial data is added.
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