WO2017041527A1 - 一种信息处理方法、终端和服务器、计算机存储介质 - Google Patents

一种信息处理方法、终端和服务器、计算机存储介质 Download PDF

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Publication number
WO2017041527A1
WO2017041527A1 PCT/CN2016/083371 CN2016083371W WO2017041527A1 WO 2017041527 A1 WO2017041527 A1 WO 2017041527A1 CN 2016083371 W CN2016083371 W CN 2016083371W WO 2017041527 A1 WO2017041527 A1 WO 2017041527A1
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Prior art keywords
terminal
information
application information
server
application
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PCT/CN2016/083371
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English (en)
French (fr)
Inventor
任杰
涂杰
唐艳平
许灿冲
罗斌
王玉叶
梁建武
Original Assignee
腾讯科技（深圳）有限公司
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Publication of WO2017041527A1 publication Critical patent/WO2017041527A1/zh
Priority to US15/785,512 priority Critical patent/US20180039962A1/en

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/12—Protocols specially adapted for proprietary or special-purpose networking environments, e.g. medical networks, sensor networks, networks in vehicles or remote metering networks
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/02—Protocols based on web technology, e.g. hypertext transfer protocol [HTTP]

Definitions

  • the present invention relates to Internet technologies, and in particular, to an information processing method, a terminal and a server, and a computer storage medium.
  • the embodiments of the present invention provide an information processing method, a terminal, a server, and a computer storage medium, which at least solve the above problems in the prior art.
  • An embodiment of the present invention provides an information processing method, where the method includes:
  • the server acquires response information related to the first application information, where the response information includes first response information that the second terminal makes to the first application information, and the third terminal makes the second application information.
  • the second response information, the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information. And issued to the terminal directly related to it;
  • the server processes the first application information according to the response information.
  • An embodiment of the present invention provides an information processing method, where the method includes:
  • the first terminal sends the first application information to the second terminal directly associated with the first terminal;
  • the response information includes first response information that the second terminal makes to the first application information, and second that the third terminal makes to the second application information.
  • the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information and Directly related to the terminal;
  • An embodiment of the present invention provides a server, where the server includes:
  • a first acquiring unit configured to acquire first application information sent by the first terminal, where the first application information is sent by the first terminal to a second terminal directly associated with the first terminal;
  • a second acquiring unit configured to acquire response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and a third terminal pair a second response information, where the third terminal is directly or indirectly related to the second terminal, where the second application information is that the second terminal and/or the third terminal are based on the An application information is generated and sent to a terminal directly related to it;
  • the processing unit is configured to process the first application information according to the response information.
  • An embodiment of the present invention provides a terminal, where the terminal includes:
  • a sending unit configured to send first application information to a second terminal directly associated with the sending unit
  • a receiving unit configured to receive response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and third terminal to second application Second response information of the information, the third terminal is directly or indirectly related to the second terminal, and the second application information is that the second terminal and/or the third terminal are based on the first application
  • the information is generated and sent to the terminal directly related thereto; and configured to receive a result of the server processing the first application information according to the response information.
  • a computer storage medium provided by an embodiment of the present invention, wherein a computer program for executing the above information processing method is stored.
  • the technical solution of the embodiment of the present invention includes: the server acquiring the first application information sent by the first terminal, where the first application information is sent by the first terminal to the second terminal directly associated with the first terminal;
  • the response information related to the first application information includes first response information that the second terminal makes to the first application information, and second response information that the third terminal makes to the second application information,
  • the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information and directly related thereto.
  • the server sends out the first application information according to the response information, so that the processing result obtained by the entire Internet application-based information interaction is real-time and accurate, specifically, using a social relationship chain. Joint guarantee, formulate the corresponding credit line, transfer the relatively static joint guarantee under the line to the Internet, and realize more accurate and real-time letters. Credit rating by rating.
  • FIG. 1 is a schematic flow chart of a first embodiment of an information processing method according to the present invention.
  • FIG. 2 is a schematic flowchart of a second embodiment of an information processing method according to the present invention.
  • FIG. 3 is a schematic flowchart diagram of a first embodiment of another information processing method according to the present invention.
  • FIG. 4 is a schematic flowchart diagram of a second embodiment of another information processing method according to the present invention.
  • FIG. 5 is a schematic structural diagram of an embodiment of a server according to the present invention.
  • FIG. 6 is a schematic structural diagram of another embodiment of a server according to the present invention.
  • FIG. 7 is a schematic structural diagram of an embodiment of a terminal according to the present invention.
  • FIG. 8 is a schematic diagram of an application scenario of an information processing method according to the present invention.
  • FIG. 9 is a schematic diagram of another application scenario of an information processing method according to the present invention.
  • FIG. 10 is a schematic diagram of hardware entities of a server embodiment of the present invention.
  • FIG. 11 is a schematic diagram of hardware entities of a terminal embodiment of the present invention.
  • a first embodiment of an information processing method provided by the present invention is applied to the Internet. As shown in FIG. 1, the method includes:
  • Step 101 The server acquires first application information sent by the first terminal, where the first application information is sent by the first terminal to a second terminal directly associated with the first terminal;
  • the first application information includes a request guarantee amount and a risk description.
  • Step 102 The server acquires response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and third terminal to second Second response information of the application information, the third terminal is directly or indirectly related to the second terminal, and the second application information is that the second terminal and/or the third terminal are based on the first
  • the application information is generated and sent to the terminal directly related to it;
  • the response information includes a confirmation guarantee amount.
  • Step 103 The server processes the first application information according to the response information.
  • a second embodiment of an information processing method provided by the present invention is applied to the Internet. As shown in FIG. 2, the method includes:
  • Step 201 The server acquires a credit history record and/or financial information of an account of the first terminal.
  • the credit record is information obtained from a legal route, which can be obtained from the system or from the user upload record.
  • the user information obtained from the system is a regular source. For example, by querying the central bank's credit record, the acquisition of the information is obtained by legal means.
  • the user information obtained from the user upload record is also a formal source due to the information authorized by the user. For example, by querying the income certificate, consumption certificate, tax bill, etc. uploaded by the user, the information is obtained. Acquisition is legally obtained.
  • Step 202 Determine, according to the credit record and/or financial information, a first credit limit of the first terminal;
  • Step 203 The server acquires first application information sent by the first terminal, where the first application information is sent by the first terminal to a second terminal directly associated with the first terminal.
  • the first application information includes a request guarantee amount and a risk description.
  • Step 204 The server acquires response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and third terminal to second Second response information of the application information, the third terminal is directly or indirectly related to the second terminal, and the second application information is that the second terminal and/or the third terminal are based on the first
  • the application information is generated and sent to the terminal directly related to it;
  • the response information includes a confirmation guarantee amount.
  • Step 205 The server determines, by using a preset algorithm, a second credit line according to the response information and the first credit limit.
  • a first embodiment of another information processing method provided by the present invention is applied to the Internet. As shown in FIG. 3, the method includes:
  • Step 301 The first terminal sends the first application information to the second terminal directly associated with the first terminal.
  • the first application information includes a request guarantee amount and a risk description
  • Step 302 Receive response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and the third terminal makes information about the second application information.
  • the second response information, the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information. And issued to the terminal directly related to it;
  • the response information includes a confirmation guarantee amount.
  • Step 303 The result that the receiving server processes the first application information according to the response information.
  • a second embodiment of another information processing method provided by the present invention is applied to the Internet, as shown in FIG. As shown, the method includes:
  • Step 401 The first terminal sends the financial information of the account to the server, so that the server determines the first of the first terminal according to the credit record and/or financial information of the account of the first terminal. a credit line, and determining a second credit line by using a preset algorithm according to the response information and the first credit line.
  • Step 402 The first terminal sends first application information to the second terminal directly associated with the first terminal.
  • the first application information includes a request guarantee amount and a risk description
  • Step 403 Receive response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and the third terminal makes information about the second application information.
  • the second response information, the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information. And issued to the terminal directly related to it;
  • the response information includes a confirmation guarantee amount.
  • Step 404 The receiving server uses a preset algorithm to determine a second credit line according to the response information and the first credit limit.
  • the server includes:
  • the first obtaining unit 501 is configured to acquire first application information sent by the first terminal, where the first application information is sent by the first terminal to a second terminal directly associated with the first terminal;
  • the first application information includes a request guarantee amount and a risk description
  • the second obtaining unit 502 is configured to acquire response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and a third terminal pair Second response information of the second application information, the third terminal is directly or indirectly related to the second terminal, and the second application information is that the second terminal and/or the third terminal are based on the The first application information is generated and sent to the terminal directly related to it;
  • the response information includes a confirmation guarantee amount.
  • the processing unit 503 is configured to process the first application information according to the response information.
  • the server further includes a third obtaining unit 504 configured to acquire a credit history record and/or financial information of an account of the first terminal;
  • the processing unit 503 is configured to determine, according to the credit record and/or financial information, a first credit limit of the first terminal, and determine, according to the response information and the first credit limit, by using a preset algorithm.
  • the second credit line is configured to determine, according to the credit record and/or financial information, a first credit limit of the first terminal, and determine, according to the response information and the first credit limit, by using a preset algorithm.
  • the second credit line is configured to determine, according to the credit record and/or financial information, a first credit limit of the first terminal, and determine, according to the response information and the first credit limit, by using a preset algorithm.
  • each unit in the server may be a Central Processing Unit (CPU), a Digital Signal Processor (DSP), or a Field-Programmable Gate Array (FPGA). achieve.
  • CPU Central Processing Unit
  • DSP Digital Signal Processor
  • FPGA Field-Programmable Gate Array
  • the terminal includes:
  • the sending unit 701 is configured to send first application information to the second terminal directly connected thereto;
  • the first application information includes a request guarantee amount and a risk description
  • the receiving unit 702 is configured to receive response information related to the first application information, where the response information includes first response information that is sent by the second terminal to the first application information, and third terminal to second Second response information of the application information, the third terminal is directly or indirectly related to the second terminal, and the second application information is that the second terminal and/or the third terminal are based on the first
  • the application information is generated and sent to the terminal directly related thereto; and configured to receive a result of the server processing the first application information according to the response information.
  • the response information includes a confirmation guarantee amount.
  • the sending unit 701 is further configured to send financial information of the account to the server, so that the server determines, according to the credit history record and/or financial information of the account of the first terminal. Determining a first credit limit of the terminal, and determining a second credit limit by using a preset algorithm according to the response information and the first credit limit;
  • the receiving unit 702 is configured to receive a second credit limit determined by the server according to the response information and the first credit limit by using a preset algorithm.
  • each unit in the terminal may be a central processing unit (CPU), a digital signal processor (DSP), or a field programmable gate array. (FPGA, Field-Programmable Gate Array) implementation.
  • CPU central processing unit
  • DSP digital signal processor
  • FPGA Field-Programmable Gate Array
  • An embodiment of the present invention provides a server.
  • the server includes a processor 51 configured to perform the following operations by using executable instructions:
  • response information related to the first application information where the response information includes first response information that the second terminal makes to the first application information, and second that the third terminal makes to the second application information.
  • the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information and Directly related to the terminal;
  • the first application information is processed according to the response information.
  • the terminal includes a display 61 and a processor 62.
  • the display 61 is configured to display information in a user interface.
  • the processor 62 is configured to perform the following operations through executable instructions:
  • the response information includes first response information that the second terminal makes to the first application information, and second that the third terminal makes to the second application information.
  • the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information and Directly related to the terminal; and configured to receive, by the server, a result of processing the first application information according to the response information.
  • the computer storage medium provided by the embodiment of the present invention stores therein a computer program for executing the above information processing method.
  • a living service is provided for a user based on an application installed on the smart terminal, wherein This includes the ability to implement Internet transactions.
  • offline information interaction such as the contractual agreement between the two parties
  • the result of such information interaction is not real-time and accurate, still take Internet transactions as an example, due to the adoption Relatively static evaluation methods naturally have many drawbacks. Therefore, traditional finance has developed comprehensive credit methods such as “re-guarantee” and “joint guarantee” when formulating large-value contracts.
  • joint guarantee also known as joint guarantee, reinsurance, and joint guarantee, means that more than two guarantee institutions provide guarantee for the same creditor's right.
  • the joint guarantee is essentially a joint guarantee in the guarantee law. Even with a comprehensive result, credit ratings and credit grants cannot be accurately and in real time.
  • a static Internet friend relationship chain is needed to establish a network map between Internet financial users, and then the network map is used to calculate the information entropy of each node, as shown in FIG. 8 , and then converted to a certain ratio, first Each user gives a certain initial credit limit.
  • the relationship chain of Internet friends is the existing information of social network companies, and such information can be used in the credit analysis of Internet finance companies.
  • the information entropy of the network graph node refers to the amount of information contained in the node.
  • the node here refers to a person, and the amount of the credit is recommended by the inquiry including the central bank credit information system.
  • a person x can inform his friends that a, b, c, etc. can respectively give him the upper limit of the amount of guarantee, to improve The amount of credit for yourself (x).
  • the user can apply for the amount adjustment, and can send a real-time guarantee application message to the friend. It is not necessary to record the transaction status for several months or even years like the traditional credit card increase quota.
  • the Internet financial friend can decide to limit the quota. Within the scope, you can give the amount of guarantee that you are willing to help your friend. The friend can also apply for a quota guarantee from his friend.
  • the applicant’s friend’s guarantee amount has not been used up, and the friend can continue to provide the guarantee. If the friend's guaranteed amount is used up, he can prompt the friend to initiate a guarantee application to his friend. The friend can distribute the amount that he can't guarantee to his friend for guarantee, which is equivalent to his friend's ability to guarantee the credit limit. In the case of the second level guarantee friend's confirmation of the risk book, there is no difference between the effectiveness of the guarantee and the effectiveness of the first-tier friend guarantee. The amount is not related to the number of sponsored guarantees and is only related to the total amount of guarantee funds initiated. The system algorithm is that the calculation initiates a lot of guarantees. After the stability, each node (person) in the relationship chain can still serve him. The maximum amount of the person’s guarantee.
  • the application message may carry a guarantee amount that the desired friend can be his own (within the limit of the amount that the friend can guarantee) and a risk statement.
  • the upper limit is the amount that the friend can guarantee after the system calculates the stability, which can reduce the risk caused by multiple guarantees. It is not difficult to understand that in the embodiment of the present invention, a friend is required to have credit repayment ability, and a necessary condition of the joint guarantee is to share responsibility.
  • the pagerank algorithm can be used to calculate the popularity of the applicant in the guarantee network (popularity).
  • the final result is that users can maximize their credit line within the controllable risk range through multi-level guarantees.
  • Internet finance companies can also maximize their loan income in this way.
  • the initial quota is confirmed by the traditional quota calculation method. For example, check the central bank's credit record, check the current applicant's income certificate, consumption certificate, tax bill, etc.
  • the central bank's credit reporting financial institution can apply for an inquiry on its own, and the proof of the applicant's assets can prompt the applicant to upload.
  • the credit reporting agencies include Yibaili, Aikefei, and Quanlian.
  • the first link in the industry chain is data collection, which has a wide range of sources, which is conducive to the organization's more comprehensive grasp of personal credit status.
  • the data is standardized.
  • Metro 1 and Metro 2 are the unified standard data reporting format and standard data collection format developed by the American Credit Bureau Association for personal credit reporting. This standard is a very important milestone in the development of the credit industry.
  • the third link is the processing of massive data by the three major credit bureaus to form credit products, including ratings and reports.
  • the data is applied to various scenarios, such as personal rental, loan business, and so on.
  • Southeast Asia's credit reporting system big data is a very direct way for inclusive finance.
  • bank credit records it is only about 60% or 70%.
  • other markets in the Asia-Pacific region such as the Indonesian market or some other Southeast Asian markets, traditionally have bank record customer credit reports generally at the 50%, 60% level.
  • the page rank algorithm is used to calculate the applicable amount (popularity) after each node (user) adjusts. If a friend is willing to provide a guarantee, the credit line can be adjusted instantly through the guarantee in the relationship chain.
  • the pagerank algorithm is a Google ranking algorithm
  • the PageRank algorithm is used for page ranking, also known as a page level, which is a technique for calculating hyperlinks between web pages according to the relationship chain between the websites.
  • PageRank algorithm can be used to reflect the relevance and importance of web pages. It is often used in search engine optimization to evaluate the effectiveness of web page optimization.
  • the PageRank algorithm determines the level of a page through the vast hyperlinks of the network.
  • Google takes the page from A to B The link to the page is interpreted as the A page voting for the B page, and Google determines the new rating based on the source of the vote (even the source of the source, ie the page linked to the A page) and the rating of the voting target. Simply put, a high-level page can raise the level of other low-level pages.
  • the innovation of the terminal in the embodiment of the present invention is based on the overall credit information service scheme, and the real-time joint guarantee operation can be realized through the terminal, and the amount of the guaranteed friend guarantee can be sent to the friend in real time, and the friend can read the risk description after reading the risk description. Instant confirmation.
  • the rules of the corresponding credit line are formulated, and the relatively static joint guarantee under the line is transferred to the Internet, and finally a more accurate real-time credit rating and credit grant can be realized.
  • the final result is that users can maximize their credit line within the controllable risk range through multi-level guarantees. Internet finance companies can also maximize their loan income in this way.
  • the embodiment of the present invention implements the dynamic evaluation method of combining online and offline in the information interaction processing in the form of the Internet, and realizes the joint guarantee, so that the information interaction of the embodiment of the present invention is finally obtained.
  • the processing results are real-time and accurate, so that the benefits of both parties can be maximized through this convenient and real-time processing.
  • the integrated modules described in the embodiments of the present invention may also be stored in a computer readable storage medium if they are implemented in the form of software functional modules and sold or used as separate products. Based on such understanding, those skilled in the art will appreciate that embodiments of the present application can be provided as a method, system, or computer program product. Thus, the present application can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment in combination of software and hardware. Moreover, the application can take the form of a computer program product embodied on one or more computer-usable storage media containing computer usable program code, including but not limited to a USB flash drive, a mobile hard drive, a read only memory ( ROM, Read-Only Memory), disk storage, CD-ROM, optical storage, etc.
  • the present application is a flow of a method, a device (system), and a computer program product according to an embodiment of the present application.
  • These computer program instructions can be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing device to produce a machine for the execution of instructions for execution by a processor of a computer or other programmable data processing device.
  • the computer program instructions can also be stored in a computer readable memory that can direct a computer or other programmable data processing device to operate in a particular manner, such that the instructions stored in the computer readable memory produce an article of manufacture comprising the instruction device.
  • the apparatus implements the functions specified in one or more blocks of a flow or a flow and/or block diagram of the flowchart.
  • These computer program instructions can also be loaded onto a computer or other programmable data processing device such that a series of operational steps are performed on a computer or other programmable device to produce computer-implemented processing for execution on a computer or other programmable device.
  • the instructions provide steps for implementing the functions specified in one or more of the flow or in a block or blocks of a flow diagram.
  • the technical solution of the embodiment of the present invention includes: the server acquiring the first application information sent by the first terminal, where the first application information is sent by the first terminal to the second terminal directly associated with the first terminal;
  • the response information related to the first application information, the response information includes first response information that the second terminal makes to the first application information, and second response information that the third terminal makes to the second application information,
  • the third terminal is directly or indirectly related to the second terminal, and the second application information is generated by the second terminal and/or the third terminal based on the first application information and directly related thereto.

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Abstract

本发明公开了一种信息处理方法、终端和服务器、计算机存储介质，其中，所述方法包括：服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；所述服务器根据所述响应信息对所述第一申请信息进行处理。

Description

一种信息处理方法、终端和服务器、计算机存储介质 技术领域
本发明涉及互联网技术，特别涉及一种信息处理方法、终端和服务器、计算机存储介质。
背景技术
随着智能终端的普及，利用智能终端可以在线实现很多生活服务，如通过在智能终端上安装基于互联网交易方式的应用(如微众银行、网商银行)等，可以实现缴费服务。又如余额宝、信用宝、微利贷等互联网金融产品，也是基于在智能终端上安装的应用来为用户提供生活服务，其中就包括实现互联网交易的功能。使用这些应用实现互联网交易时，更多的是基于互联网的便捷性的能力，实现传统的线下金融到互联网+的形态。
然而，使用这些应用实现互联网交易时，目前都很少利用互联网相比线下出色得多的数据分析能力。比如线下制定用户个人信用的时候，往往是简单的根据用户的历史交易流水、账户余额、工资收入水平来评定用户还款能力，制定信用额度。这种方式同样是通过线下信息交互(如双方合同约定的方式完成的)，可见，这种信息交互最终得到的处理结果是不实时和准确的，仍以互联网交易为例，那么，在线下制定用户个人信用时仍然会导致处理结果为相对静态的评定结果，并不能准确的、实时的进行信用评级和额度授信。对于这个问题，现有技术中并未存在有效的解决方案。
发明内容
为解决现有存在的技术问题，本发明实施例提供一种信息处理方法、终端和服务器、计算机存储介质，至少解决了现有技术中存在的上述问题。
本发明实施例提供一种信息处理方法，所述方法包括：
服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
所述服务器根据所述响应信息对所述第一申请信息进行处理。
本发明实施例提供一种信息处理方法，所述方法包括：
第一终端向与其直接关联的第二终端发出第一申请信息；
接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
本发明实施例提供一种服务器，所述服务器包括：
第一获取单元，配置为获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
第二获取单元，配置为获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
处理单元，配置为根据所述响应信息对所述第一申请信息进行处理。
本发明实施例提供一种终端，所述终端包括：
发送单元，配置为向与其直接关联的第二终端发出第一申请信息；
接收单元，配置为接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；以及配置为接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
本发明实施例提供的计算机存储介质，其中存储有计算机程序，该计算机程序用于执行上述信息处理方法。
本发明实施例的技术方案包括：服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；所述服务器根据所述响应信息对所述第一申请信息进行处理，使得整个基于互联网应用的信息交互所最终得到的处理结果是实时和准确的，具体的，利用社交关系链进行联合担保，制定相应授信额度，把线下的相对静态的联合担保，转移到互联网上，实现更准确实时的信用评级，额度授信。
附图说明
图1为本发明提供的一种信息处理方法的第一实施例的流程示意图；
图2为本发明提供的一种信息处理方法的第二实施例的流程示意图；
图3为本发明提供的另一种信息处理方法的第一实施例的流程示意图；
图4为本发明提供的另一种信息处理方法的第二实施例的流程示意图；
图5为本发明提供的一种服务器的一实施例的结构示意图；
图6为本发明提供的一种服务器的另一实施例的结构示意图；
图7为本发明提供的一种终端的一实施例的结构示意图；
图8为本发明提供的一种信息处理方法的的应用场景示意图；
图9为本发明提供的一种信息处理方法的另一应用场景示意图；
图10为本发明一服务器实施例的硬件实体示意图；
图11为本发明一终端实施例的硬件实体示意图。
具体实施方式
本发明提供的一种信息处理方法的第一实施例，应用于互联网，如图1所示，所述方法包括：
步骤101、服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
这里，所述第一申请信息包括请求担保金额和风险说明。
步骤102、所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
这里，所述响应信息包括确认担保金额。
步骤103、所述服务器根据所述响应信息对所述第一申请信息进行处理。
本发明提供的一种信息处理方法的第二实施例，应用于互联网，如图2所示，所述方法包括：
步骤201、服务器获取所述第一终端的账户的征信记录和\或金融信息；
这里，就征信记录而言，征信记录是从合法途径获取的信息，可以从系统获取，也可以从用户上传记录中获取。具体的，从系统中获取的用户信息是正规来源，如通过查询央行的征信记录，该信息的获取是合法途径获取的。从用户上传记录中获取的用户信息由于是经过用户授权许可的信息，也是正规来源，如通过查询用户上传的收入证明，消费证明，税单等得到征信记录，该信息的 获取是合法途径获取的。
步骤202、根据所述征信记录和\或金融信息确定所述第一终端的第一信用额度；
步骤203、服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
这里，所述第一申请信息包括请求担保金额和风险说明。
步骤204、所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
这里，所述响应信息包括确认担保金额。
步骤205、所述服务器根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
本发明提供的另一种信息处理方法的第一实施例，应用于互联网，如图3所示，所述方法包括：
步骤301、第一终端向与其直接关联的第二终端发出第一申请信息；
这里，所述第一申请信息包括请求担保金额和风险说明；
步骤302、接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
这里，所述响应信息包括确认担保金额。
步骤303、接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
本发明提供的另一种信息处理方法的第二实施例，应用于互联网，如图4 所示，所述方法包括：
步骤401、所述第一终端向所述服务器发送其账户的金融信息，以使所述服务器根据所述第一终端的账户的征信记录和\或金融信息确定所述第一终端的第一信用额度，并根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
步骤402、第一终端向与其直接关联的第二终端发出第一申请信息；
这里，所述第一申请信息包括请求担保金额和风险说明；
步骤403、接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
这里，所述响应信息包括确认担保金额。
步骤404、接收服务器根据所述响应信息和所述第一信用额度采用预设的算法确定的第二信用额度。
本发明提供的一种服务器的实施例，应用于互联网，如图5所示，所述服务器包括：
第一获取单元501，配置为获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
这里，所述第一申请信息包括请求担保金额和风险说明；
第二获取单元502，配置为获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
这里，所述响应信息包括确认担保金额。
处理单元503，配置为根据所述响应信息对所述第一申请信息进行处理。
在一实施例中，如图6所示，所述服务器还包括第三获取单元504，配置为获取所述第一终端的账户的征信记录和\或金融信息；
所述处理单元503，配置为根据所述征信记录和\或金融信息确定所述第一终端的第一信用额度；以及根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
实际应用中，所述服务器中的各单元可由中央处理器(CPU，Central Processing Unit)、数字信号处理器(DSP，Digital Signal Processor)、或现场可编程门阵列(FPGA，Field－Programmable Gate Array)实现。
本发明提供的一种终端的实施例，应用于互联网，如图7所示，所述终端包括：
发送单元701，配置为向与其直接关联的第二终端发出第一申请信息；
这里，所述第一申请信息包括请求担保金额和风险说明；
接收单元702，配置为接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；以及配置为接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
这里，所述响应信息包括确认担保金额。
在一实施例中，所述发送单元701，还配置为向所述服务器发送其账户的金融信息，以使所述服务器根据所述第一终端的账户的征信记录和\或金融信息确定所述终端的第一信用额度，并根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度；
所述接收单元702，配置为接收所述服务器根据所述响应信息和所述第一信用额度采用预设的算法确定的第二信用额度。
实际应用中，所述终端中的各单元可由中央处理器(CPU，Central Processing Unit)、数字信号处理器(DSP，Digital Signal Processor)、或现场可编程门阵列 (FPGA，Field－Programmable Gate Array)实现。
本发明实施例提供一种服务器，如图10所示，服务器包括处理器51，配置为通过可执行指令执行以下操作：
获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
根据所述响应信息对所述第一申请信息进行处理。
本发明实施例提供一种终端，如图11所示，所述终端包括显示器61和处理器62，显示器61配置为显示用户界面中的信息；处理器62配置为通过可执行指令执行以下操作：
向与其直接关联的第二终端发出第一申请信息；
接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；以及配置为接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
相应的，本发明实施例提供的计算机存储介质，其中存储有计算机程序，该计算机程序用于执行上述信息处理方法。
下面结合附图和具体实施例对本发明的技术方案进一步详细阐述。
现有技术中，基于在智能终端上安装的应用来为用户提供生活服务，其中 就包括实现互联网交易的功能。使用这些应用实现互联网交易时，通过线下信息交互(如双方合同约定的方式完成的)，而这种信息交互最终得到的处理结果是不实时和准确的，仍以互联网交易为例，由于采用相对静态的评定方式，自然存在了很多弊端，于是传统金融在制定大额合同时，出现了如“再担保”、“联合担保”等综合的授信方式。这里，联合担保又称联保、分保、共同担保，是指两个以上的担保机构对同一债权提供担保。联合担保实质是担保法中的共同保证。即便是一种综合的结果，但是仍然不能准确的、实时的进行信用评级和额度授信。
在本发明实施例中，首先需要利用静态的互联网好友关系链，建立互联网金融用户间的网络图，然后利用网络图计算各个节点的信息熵，参见图8所示，然后折合一定比例，先对每个用户给出一定的初始信用额度。
这里，互联网好友的关系链是社交类网络公司的已有信息，此类信息可以被用在互联网金融公司的征信分析里。此外，需要说明的是，网络图节点的信息熵是指节点含有信息量的多少，节点在这里是指一个人，通过包括央行征信系统的查询，建议授信的金额。
在实际应用中，通过其他节点(人)的信息熵(征信金额)按比例折算后，像一个人x告知他的好友a，b，c等等分别可以给他担保的金额上限，来提高自己(x)的征信金额。用户申请额度调整，可以向朋友发送实时担保申请消息，不需要像传统信用卡提升额度那样需要进行几个月甚至几年的交易情况记录，互联网金融好友收到担保申请信息后，可以决定在上限额度范围内给出自己愿意帮好友做担保的金额，好友也可再向他的好友申请额度担保。
申请人的一个好友担保额度还没有用完，好友还能继续提供担保。如果好友的能担保的额度用完，可以提示好友向他的好友发起一个担保申请，好友可以把自己担保不了的金额分发给他的好友进行担保，相当于他的好友能担保征信额度，在第二层担保好友确认风险书的情况下，担保效力和第一层好友担保效力并无差别。额度和发起担保的数量无关，仅和发起的担保资金额总计有关。系统算法是计算发起很多个担保，稳定后，关系链中各个节点(人)还能为他 人担保的金额上限。
这里，所述申请消息可以携带希望好友能为自己的担保金额(在好友能担保金额的限制范围内)和风险说明。这里需要说明的是，所述上限额度是系统计算出稳定后，好友可担保的金额，这样可以降低多次担保带来的风险。不难理解，本发明实施例中需要好友有信用还款能力，联合担保的一个必要条件就是共担责任。
这样，好友之间可以担保相应的金额，通过社交网络实现金融担保的关系链，由此就建立起了一套深度更深的联合担保网。依据这些实时好友之间的申请和确认，可以利用pagerank算法，类似计算网页受欢迎程度类似，计算申请人在担保网络中的可提升额度(受欢迎程度)。
最终实现的效果是，用户可以通过多层级的担保，在可控风险范围内，最大化自己的授信额度，互联网金融公司也可以通过这种方式最大化自己的贷款收益。
本发明实施例中的信息处理方法主要包括以下步骤：
1、初始额度体系建立
参见图8所示，初始额度是由传统额度计算方法确认的，如查央行的征信记录，查当前申请人上传的收入证明，消费证明，税单等。央行征信记录金融机构可以自主申请查询，申请人资产方面的证明可以提示申请人上传。
以上描述为中国的征信体系，就美国的征信体系而言，美国的征信体系发展至今，全社会对于“信用”已经形成了成熟的认知。以“个人信用”为例，其内涵由：品德(Character)、能力(Capability)、资本(Capital)、条件(Condition)、担保品(Collateral)、稳定性(Stability)组成。同时，信用的边界也得到了明确的刻画，即对于用来量化信用的数据基础形成了共识。整个征信体系分为机构征信和个人征信，其中机构征信又分为资本市场信用和普通企业信用。资本市场信用机构有标普、穆迪、惠誉等，普通企业信用机构包括邓白氏等。而个人征信体系中，征信机构包括亿百利、爱克非、全联等。此外，美国征信体系中还有400多家区域性或专业性征信机构依附于上述七家机构，或向其提供数 据。以个人征信为例，产业链中第一环节是数据收集，其来源比较广泛，有利于机构更加全面的掌握个人的信用状况。然后是对数据进行标准化处理，例如，第二环节中，Metro 1及Metro 2是美国信用局协会制定的用于个人征信业务的统一标准数据报告格式和标准数据采集格式。这种标准是征信行业发展的非常重要的里程碑。第三环节是三大征信局对海量数据进行处理，进而形成信用产品，包括评分、报告等。最后是将数据应用于各种场景中，比如个人租房，办理贷款业务等等。就东南亚的征信体系而言，大数据对于普惠金融是非常直接的一个方式，有银行信贷记录的，大约只有60％或者70％。同时，亚太区其他市场，比如像印尼市场或者其他的一些东南亚市场，传统有银行记录的客户征信报告一般也会在50％、60％的水平线上。在整个新兴市场，有相当多的国家是没有银行信贷的，而他们却有比较旺盛的金融需求或者信贷的需求在里面，而这些往往是那些低收入的家庭、小企业。随着大数据的产生，其实是可以考虑，可以从另外一个层面来理解他们的信用状况，以及相关交易行为的状况。通过这些行为，实际上也是可以识别他的潜在风险。这一切就可以一方面帮助本来不能成为金融机构客户而成为了金融机构客户以后，而不敢授信的部分，金融机构也可以帮助他进行授信，这样大数据能够真正帮助客户获取金融机构的帮助，避免从一些更差的市场上去获取更大的风险的一些贷款。
2、实时联合担保申请，调整授信额度
参见图9所示，通过申请情况利用pagerank算法计算，每个节点(用户)调整之后的可申请额度(受欢迎程度)。如果好友愿意提供担保，信用额度可以通过关系链中的担保情况即时调整。
这里，所述pagerank算法是Google排名运算法则，PageRank算法用于网页排名，又称网页级别、是一种根据网页之间相互的超链接计算的技术，依据各个网站之间被调用的关系链情况，评定网页受欢迎程度的标准算法。PageRank算法作为网页排名的要素之一，可以用它来体现网页的相关性和重要性，在搜索引擎优化操作中是经常被用来评估网页优化的成效因素之一。PageRank算法通过网络浩瀚的超链接关系来确定一个页面的等级。Google把从A页面到B 页面的链接解释为A页面给B页面投票，Google根据投票来源(甚至来源的来源，即链接到A页面的页面)和投票目标的等级来决定新的等级。简单的说，一个高等级的页面可以使其他低等级页面的等级提升。
本发明实施例中终端方面的创新，是基于整体征信服务方案，可以通过终端来实现实时的联合担担保的操作，可以实时向好友发送希望好友担保的金额，好友可以在阅读过风险说明后即时确认。
3、用户额度调整
通过上述实时操作，完成额度申请，实现申请人和互联网金融公司的双方利益最大化。
通过利用社交关系链中，进行联合担保的方式，制定相应授信额度的规则，把线下的相对静态的联合担保，转移到互联网上，最终能实现更准确实时的信用评级，额度授信。最终实现的效果是，用户可以通过多层级的担保，在可控风险范围内，最大化自己的授信额度，互联网金融公司也可以通过这种方式最大化自己的贷款收益。
综上所述，本发明实施例实现了互联网形态下，在信息交互处理中使用线上和线下结合的动态评定方式，实现了联合担保，从而采用本发明实施例的这种信息交互最终得到的处理结果是实时和准确的，从而通过这种便捷实时的处理实现双方利益的最大化。
本发明实施例所述集成的模块如果以软件功能模块的形式实现并作为独立的产品销售或使用时，也可以存储在一个计算机可读取存储介质中。基于这样的理解，本领域内的技术人员应明白，本申请的实施例可提供为方法、系统、或计算机程序产品。因此，本申请可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本申请可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质上实施的计算机程序产品的形式，所述存储介质包括但不限于U盘、移动硬盘、只读存储器(ROM，Read-Only Memory)、磁盘存储器、CD-ROM、光学存储器等。
本申请是根据本申请实施例的方法、设备(系统)、和计算机程序产品的流 程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
尽管已描述了本申请的优选实施例，但本领域内的技术人员一旦得知了基本创造性概念，则可对这些实施例做出另外的变更和修改。所以，所附权利要求意欲解释为包括优选实施例以及落入本申请范围的所有变更和修改。
工业实用性
本发明实施例的技术方案包括：服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；所述服务器根据所述响应信息对所述第一申请信息进行处理，使得整个基于互联网应用的信息交互所最终得到的处理结果是实时 和准确的，具体的，利用社交关系链进行联合担保，制定相应授信额度，把线下的相对静态的联合担保，转移到互联网上，实现更准确实时的信用评级，额度授信。

Claims (12)

  1. 一种信息处理方法，所述方法包括：
    服务器获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
    所述服务器获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
    所述服务器根据所述响应信息对所述第一申请信息进行处理。
  2. 根据权利要求1所述的方法，其中，所述第一申请信息包括请求担保金额和风险说明；
    所述响应信息包括确认担保金额。
  3. 根据权利要求1或2所述的方法，其中，所述方法还包括：
    服务器获取所述第一终端的账户的征信记录和\或金融信息；
    根据所述征信记录和\或金融信息确定所述第一终端的第一信用额度；
    相应的，所述服务器根据所述响应信息对所述第一申请信息进行处理包括：
    所述服务器根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
  4. 一种信息处理方法，所述方法包括：
    第一终端向与其直接关联的第二终端发出第一申请信息；
    接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
    接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
  5. 根据权利要求4所述的方法，其中，所述第一申请信息包括请求担保金额和风险说明；
    所述响应信息包括确认担保金额。
  6. 根据权利要求4或5所述的方法，其中，所述方法还包括：
    所述第一终端向所述服务器发送其账户的金融信息，以使所述服务器根据所述第一终端的账户的征信记录和\或金融信息确定所述第一终端的第一信用额度，并根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
  7. 一种服务器，所述服务器包括：
    第一获取单元，配置为获取第一终端发出的第一申请信息，所述第一申请信息是所述第一终端向与其直接关联的第二终端发出的；
    第二获取单元，配置为获取与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；
    处理单元，配置为根据所述响应信息对所述第一申请信息进行处理。
  8. 根据权利要求7所述的服务器，其中，所述第一申请信息包括请求担保金额和风险说明；
    所述响应信息包括确认担保金额。
  9. 根据权利要求7或8所述的服务器，其中，所述服务器还包括第三获取单元，配置为获取所述第一终端的账户的征信记录和\或金融信息；
    所述处理单元，配置为根据所述征信记录和\或金融信息确定所述第一终端的第一信用额度；以及根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度。
  10. 一种终端，所述终端包括：
    发送单元，配置为向与其直接关联的第二终端发出第一申请信息；
    接收单元，配置为接收与所述第一申请信息相关的响应信息，所述响应信息包括所述第二终端对所述第一申请信息作出的第一响应信息，以及第三终端对第二申请信息作出的第二响应信息，所述第三终端与所述第二终端直接或间接相关，所述第二申请信息是所述第二终端和/或所述第三终端基于所述第一申请信息生成并向其直接相关的终端发出的；以及用于接收服务器根据所述响应信息对所述第一申请信息进行处理的结果。
  11. 根据权利要求10所述的终端，其中，所述发送单元，还配置为向所述服务器发送其账户的金融信息，以使所述服务器根据所述第一终端的账户的征信记录和\或金融信息确定所述终端的第一信用额度，并根据所述响应信息和所述第一信用额度采用预设的算法确定第二信用额度；
    所述接收单元，配置为接收所述服务器根据所述响应信息和所述第一信用额度采用预设的算法确定的第二信用额度。
  12. 一种计算机存储介质，其中存储有计算机程序，该计算机程序用于执行上述权利要求1-3、权利要求4-6任一项所述的信息处理方法。
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