WO2017045154A1

WO2017045154A1 - Processing method for acquiring target data, server, and online funding method

Info

Publication number: WO2017045154A1
Application number: PCT/CN2015/089732
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-09-16
Filing date: 2015-09-16
Publication date: 2017-03-23
Also published as: CA2998517C; CA2998517A1; CA3192799A1; CN106464661A

Abstract

A processing method for acquiring target data, a terminal, a server, and an online funding method. The processing method for acquiring target data comprises: a first server receives an exchange request transmitted by a first terminal for acquiring target data and transmits the exchange request to a second terminal (S10), where the exchange request comprises descriptive information and a data value of the target data and also comprises coverage information, and the coverage information is generated when the second server detects that the target data complies with a coverage range of the second server. By such means, security guarantee can be provided before the target data is provided to the exchanging terminals, thus increasing the security and exchange efficiency of the target data.

Description

Method for processing target data, server and online fundraising method

【技术领域】[Technical Field]

The present invention relates to the field of Internet data interaction technologies, and in particular, to a method, a server, and an online fundraising method for acquiring target data.

【背景技术】【Background technique】

With the development of Internet technologies, especially mobile Internet technologies, users can use the 2G, 3G, 4G or wifi to connect to the Internet for transactions, social activities, etc. Through Internet technology users can conveniently and effectively carry out online activities. It is an incomparable experience offline.

However, when users use the mobile Internet to conduct transactions, social activities, etc., their personal sensitive information is easy to be exposed and may be obtained by others during the interaction process, thereby using its information for illegal purposes, which will bring great benefits to network users. Big risk.

【发明内容】 [Summary of the Invention]

The technical problem to be solved by the present invention is to provide a processing method, a server and a terminal device for acquiring target data, detecting whether the target data of the required interaction meets the scope of protection, and performing interaction of the target data when the scope of the guarantee is met, and improving the network data. The efficiency and security of interaction.

The present invention provides a processing method for acquiring target data, the method comprising: receiving, by the first server, an interaction request for acquiring target data sent by the first terminal, and transmitting the interaction request to the second terminal; wherein the interaction The request includes the description information and the data value of the target data, and further includes the security information, where the security information is generated when the second server detects that the target data meets the coverage range of the second server.

The invention further provides a server, comprising: a receiving module, configured to receive an interaction request for acquiring target data sent by the first terminal; wherein the interaction request includes description information and data values of the target data, and further includes protection The information is generated when the second server detects that the target data meets the coverage of the second server, and the interaction request sending module is configured to send the interaction request to the second terminal.

The present invention also provides a terminal device comprising: one or more processors; a memory; a plurality of applications; and one or more programs, wherein the one or more programs are stored in the memory and Configuring to be executed by the one or more processors, the one or more programs comprising instructions for: receiving an interaction request of the acquisition target data sent by the first terminal; wherein the interaction request includes The description information and the data value of the target data further include security information, where the security information is generated when the second server detects that the target data meets the coverage of the second server; and sends the interaction request to The second terminal.

In the above method for acquiring the target data, the second server detects the target data in advance and generates corresponding guarantee information when detecting the coverage range of the second server, and the first server sends an interaction request including the guarantee information to the The second terminal implements interaction of target data between the first terminal and the second terminal, and provides security guarantee before providing the target data to the second terminal, so as to improve target data security and interaction efficiency.

Another object of the present invention is to provide an online fundraising method for reviewing a target project that needs to raise funds and increasing insurance information when the audit is approved, thereby reducing the capital risk of the investor and facilitating project financing. schedule.

The present invention provides an online fundraising method, including: receiving, by a first server, a funding request for a target item sent by a first terminal, and transmitting the funding request to a second terminal; wherein the funding request includes the The description information of the target item and the amount of funds to be raised further include insurance information; and the insurance information is generated when the second server verifies that the target item meets the coverage of the second server.

In the above online fund raising method, the second server pre-verifies the fundraising project and adds corresponding insurance information to the fundraising project when the second server is covered, and the first server issues a financing request including the insurance information. Go out, so that when the project is funded, the insurance institution (second server) is introduced for evaluation and guarantee, and other investment investors (second terminal) are provided with investment risk protection, and the project financing progress is promoted.

【附图说明】 [Description of the Drawings]

1 is a flowchart of a method for processing acquisition target data in a first embodiment of the present invention;

2 is a schematic flowchart of a method for processing target data in a second embodiment of the present invention;

3 is a schematic flowchart of a method for processing target data in a third embodiment of the present invention;

4 is a schematic diagram showing a processing relationship of acquiring target data in an embodiment of the present invention;

FIG. 5 is a schematic flowchart of a method for processing target data according to a fourth embodiment of the present invention; FIG.

6 is a schematic structural diagram of a server in an embodiment of the present invention;

7 is a schematic structural diagram of a terminal device according to an embodiment of the present invention;

8 is a schematic flow chart of an online fundraising method in a first embodiment of the present invention;

9 is a schematic flow chart of an online fundraising method in a second embodiment of the present invention;

10 is a schematic flow chart of an online fundraising method in a third embodiment of the present invention;

11 is a schematic diagram of a fund raising relationship in an embodiment of the present invention.

【具体实施方式】【detailed description】

The technical solutions in the embodiments of the present invention are clearly and completely described in the following with reference to the accompanying drawings in the embodiments of the present invention. It is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all embodiments. All other embodiments obtained by those skilled in the art based on the embodiments of the present invention without creative efforts are within the scope of the present invention.

1 is a schematic flowchart of a method for processing target data in a first embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S10: The first server receives an interaction request for acquiring target data sent by the first terminal, and sends the interaction request to the second terminal.

The interaction request includes description information, data values, and security information of the target data. The guarantee information is generated when the second server detects that the target data meets the coverage range of the second server.

In the above solution, the second server detects the target data in advance and generates corresponding security information when detecting the coverage of the second server, and the first server sends an interaction request including the security information to the second terminal to implement the first The interaction of the target data between the first and second terminals provides a security guarantee for the second terminal to provide target data to improve the security and interaction efficiency of the target data.

2 is a schematic flowchart of a method for processing target data in a second embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S20: The first terminal sends an interaction request for acquiring target data to the first server.

The interaction request includes the description information and the data value of the target data, and the security information is generated when the second server detects that the target data meets the coverage range of the second server. The request may also include a predetermined time, which is a time period for obtaining the target data.

The description information of the target data may be the purpose of the target data.

Specifically, the first terminal logs in and accesses the first server, and sends an interaction request for acquiring target data.

Step S21: The first server obtains, according to the interaction request, a first data credential whose data value is equal to the data value of the target data, and sends the first data credential to the second terminal. The first data voucher includes information of the interaction request.

In the above solution, when the interaction request acquisition target data is issued, the target data is detected by the second server and the security information is generated when the detection passes, and the target data is released in the form of the first data certificate having the security information. Therefore, providing a security audit mechanism before providing the requested data to the second terminal has the function of transferring data security risks.

Please refer to FIG. 3 , which is a schematic flowchart diagram of a method for processing target data in a third embodiment of the present invention. The method flow shown in this embodiment includes:

Step S30: The first terminal initiates an interaction request for acquiring target data to the first server.

The interaction request includes the description information and the data value of the target data, and the security information is generated when the second server detects that the target data meets the coverage range of the second server.

Step S31: The first server obtains a first data credential whose data value is equal to the data value of the target data according to the interaction request, and sends the first data credential to the second terminal. The first data voucher includes information of the interaction request.

In an embodiment, the first server generates the first data credential having the guarantee information when the second server detects that the target data meets the guarantee range of the second server to generate the guarantee information. The second server detects the target data, and adds the guarantee information to the target data when it is determined that the detection meets the coverage, and the guarantee information is still retained in the first data certificate generated by the first server. The guarantee information may include backup information of the target data, identity information of the second server, and the like.

In another embodiment, the first server obtains the first data credential from the second server according to the interaction request. The first data credential is generated when the second server detects that the target data meets the guarantee range of the second server, and the interaction request includes at least the storage address of the first data credential in the second server. Specifically, the interaction request sent by the first terminal to the first server is a link address (ie, a storage address) of the first data credential, where the link address includes a URL address that points to the first data credential, and may also include information of the target data. For example, data initiator information, basic information of target data (eg, data attributes, formats, etc.).

Step S32: The second terminal receives the first data credential sent by the first server, and sends the first data to the third server.

In step S32, at least one second terminal communicates with the first server through a network, and the first server issues the first data credential to each second terminal through the network.

Specifically, the second terminal selects the first data from the data it saves and sends it to the first terminal. The data value of the first data may be larger than the data value of the target data, or may be smaller than the data value of the target data.

Step S33: When the sum of the data value values of all the data sent by the second terminal received by the third terminal within a predetermined time is not less than the data value size of the target data, the received data is sent to the first terminal.

In the above solution, the first server acquires the first data credential according to the interaction request of the acquiring target data initiated by the first terminal, and each second terminal sends the first data to the third server, when the third server receives the data within the predetermined time. When the sum of the data value sizes of all the data transmitted by the second terminal is not less than the data value size of the target data, the received data is sent to the first terminal, so that the first terminal obtains data that is not smaller than the target data data value. Before the target data interaction, the second server detects and increases the target data, and pre-divids the target data into multiple parts and stores them in different second terminals, thus reducing the target data itself. Security risks, and in the process of interaction of the target data, its authority or ownership is protected by risks.

5 is a schematic flowchart of a method for processing target data in a fourth embodiment of the present invention. Please refer to the data interaction relationship shown in FIG. 4 at the same time. The method flow shown in this embodiment includes:

Step S40: The first terminal sends an interaction request for acquiring target data to the first server.

Step S41: The first server obtains, according to the interaction request, a first data credential whose data value is equal to the data value of the target data, and sends the first data credential to the second terminal. The first data voucher includes information of the interaction request.

Step S42, the second terminal receives the first data credential sent by the first server, and sends the second data credential to the first terminal. The second data credential is generated by the third server locking the first data in the second terminal according to the request of the second terminal.

Step S43, determining whether the sum of the data values represented by all the second data vouchers sent by the second terminal received by the first terminal within a predetermined time is not less than the data value of the target data, and if yes, proceeding to step S44. Otherwise, it proceeds to step S47.

Step S44, the first terminal sends a data interaction instruction to the third server.

Step S45, the third server receives the data interaction instruction, and sends the locked data in the second terminal to the fourth server in response to the data interaction instruction.

Step S46: The fourth server sends the received data to the first terminal, so that the first terminal acquires the target data. Then the process ends.

Further, the third server may further send the locked data in the second terminal to the first terminal in response to the data interaction instruction, so that the first terminal acquires the target data.

Step S47, the first terminal sends an instruction that the target data request fails to the third server.

Step S48, the third server, in response to the instruction, unlocks the locked data in the corresponding second terminal according to the second data credential. Then the process ends.

In the above solution, after the second server detects the target data acquired by the first terminal and adds the security information, the first server acquires the first data certificate according to the interaction request, and then sends the data to the plurality of second terminals. Receiving, by the second terminal, the first data credential, and correspondingly sending a second data credential representing the first data data value to the first terminal by using the third server, when confirming the interaction request in response to the first data credential, so that the first The terminal can collect enough second data credentials within a predetermined time. The second data credential is generated by the third server locking the first data in the second terminal according to the request of the second terminal, and when the first terminal obtains sufficient second data credential within a predetermined time, The third server directly or indirectly transmits the data locked by the second terminal to the first terminal, so that the target data is finally obtained. Before the target data interaction is performed, the second server detects the target data and adds the guarantee information, and pre-divides the target data into a plurality of parts and stores them in different second terminals respectively, and has the protection information. The target data request to be acquired is issued in the form of the first data voucher. In this way, the other terminals are provided with the requested data for review before they have data security. At the same time, the second terminal sends the corresponding data in the form of the second data credential, which can reduce the risk of being illegally tampered with, lost or intercepted by other terminals during the data interaction process, so that the target data is stored during the data interaction process. The transmission is fully and comprehensively protected.

The method for processing the acquisition target data in the embodiment of the present invention is exemplified below.

For example, the first terminal is terminal A, and the second terminal is terminal B1, terminal B2, and terminal B3. The target data bit client D's power-on password, which is pre-divided into three parts. The terminal B1, the terminal B2, and the terminal B3 each hold a part of the data of the above-mentioned power-on password, and the formed data can be used to open the client D only when the data of the three parts are grouped together and arranged in the correct order. The terminals A, B1, B2, and B3 and the client D may be devices that can exchange data with the server through a network, such as a personal computer, a tablet, or a smart phone.

The terminal A initiates an interaction request for acquiring the target data (the power-on password of the client D) through the first server, and the second server detects the target data and adds the guarantee information to generate three first data credentials, that is, the first data. Credential a, first data voucher b, and first data voucher c. The detecting, by the second server, the target data includes detecting information (such as format, description information, security level, and the like) of the target data, and may further include detecting the terminal A (such as the privilege level) that acquires the target data.

The reason for this setting is that the target data or the terminal A is detected by the second server to ensure whether the target data is allowed to be exchanged or whether the terminal A has the qualification to use the target data before the transmission of the target data, so as to ensure the security of the data. And provide a security basis for the terminals B1, B2, and B3 to provide respective saved partial data.

The terminal A knows in advance that the power-on password of the client D is divided into three parts, so the request sent includes the number of the first data certificate and the authority level of the terminal A. Each of the three first data credentials generated by the second server includes the permission level of the terminal A, and each of the first data credentials further represents data of the corresponding portion of the target data that needs to be acquired. For example, the first data voucher a represents the first part of the data of the power-on password that needs to be obtained, the first data voucher b represents the second part of the data of the power-on password that needs to be acquired, and the first data voucher c represents the power-on password that needs to be obtained. The third part of the data.

Then, the first server sends the first data voucher to the terminal B1, the terminal B2, and the terminal B3, respectively, so that the three terminals select the matching first data voucher from the received three first data voucher according to the saved data. And sending the second data certificate to terminal A. Now, taking terminal B1 as an example for description, terminal B1 saves the second part of data of the power-on password, and then selects the first data certificate b representing the second part of data. Moreover, the second data credential sent by the terminal B1 is an electronic credential generated by the third server locking the second part of the data saved by the third server, and the third server is the upper computer of the management terminals B1, B2 and B3. The second data voucher is information representing the second part of the data that is locked, and is not the second part of the data itself. The information mentioned above may be a predetermined symbol, a picture, or the like. Of course, in other embodiments, the terminal B1 may also directly send the second part of data to the terminal A.

Further, the terminal A receives all the second data credentials constituting the power-on password of the client D within a predetermined time, and then requests the third server to send the data locked by the third server to the terminal A.

Further, the target data may also be text data, audio data, video data, program data or financial data in the financial field. If it is capital data, such as funds, then the first terminal is the fundraiser, and the data sender It is the investor, the first server is the publishing platform for raising funds, and the second, third and fourth servers are fund management servers, for example, banks. If it is audio data, such as a song, the data originator and the data sender may be a client having a multimedia playing function, such as a mobile phone, the first server is a music search platform, and the second, third, and fourth servers are music website servers.

FIG. 6 is a schematic structural diagram of a server according to an embodiment of the present invention. The server 50 shown in this embodiment includes a receiving module 51 and an interaction request sending module 52.

The receiving module 51 is configured to receive an interaction request for acquiring target data initiated by the first terminal. The interaction request includes the description information and the data value of the target data, and the security information is generated when the second server detects that the target data meets the coverage range of the second server.

The interaction request sending module 52 is configured to send the interaction request to the second terminal.

In an embodiment, the server 50 further includes a first data credential obtaining module 53 and a first data credential sending module 54, wherein the first data credential obtaining module 53 detects that the target data meets the guarantee range and increases the securing information at the second server. The first data credential is generated according to the interaction request. The first data credential sending module 54 is configured to send the first data credential to the second terminal.

In another embodiment, the server 50 further includes a first data credential obtaining module 53 and a first data credential sending module 54, wherein the first data credential obtaining module 53 obtains the first data from the second server according to the interaction request. certificate. The first data credential is generated when the second server detects that the target data meets the guarantee range, and the request includes at least a storage address of each first data credential in the second server. Specifically, the first data credential is pre-generated by the first terminal and stored in the second server, and the request sent by the first terminal to the first server is a link address (ie, a storage address) of the first data credential, and the link is The address includes a URL address corresponding to the first data voucher, and may also include information of the target data, such as data originator information, basic information of the target data (eg, data attributes, format, etc.). The first data credential sending module 54 is configured to send the first data credential to the second terminal.

FIG. 7 is a schematic structural diagram of a terminal device according to an embodiment of the present invention. The terminal device 60 in this embodiment is a server. The terminal device 60 includes a receiver 61, a processor 62, a transmitter 63, a read only memory 64, a random access memory 65, and a bus 66.

The receiver 61 is for receiving data.

The processor 62 controls the operation of the terminal device 60, and the processor 62 can also become a CPU (Central Processing Unit, central processing unit). The processor 62 may be an integrated circuit chip with signal processing capabilities. Processor 62 can also be a general purpose processor, digital signal processor (DSP), application specific integrated circuit (ASIC), off-the-shelf programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware component . The general purpose processor may be a microprocessor or the processor or any conventional processor or the like.

The transmitter 63 is for transmitting data.

The memory can include read only memory 64 and random access memory 65 and provide instructions and data to processor 62. A portion of the memory may also include non-volatile random access memory (NVRAM).

The various components of the terminal device 60 are coupled together by a bus 66. The bus 66 may include, in addition to the data bus, a power bus, a control bus, a status signal bus, and the like. However, for clarity of description, various buses are labeled as bus 66 in the figure.

The memory stores the following elements, executable modules or data structures, or a subset of them, or their extended set:

Operation instructions: include various operation instructions for implementing various operations.

Operating system: Includes a variety of system programs for implementing various basic services and handling hardware-based tasks.

In the embodiment of the present invention, the processor 62 performs the following operations by calling an operation instruction stored in the memory, which can be stored in the operating system:

Receiving an interaction request for acquiring target data sent by the first terminal, where the interaction request includes description information and data values of the target data, and further includes protection information, where the protection information is that the second server detects that the target data meets the protection of the second server. The range is generated. as well as

The interaction request is sent to the second terminal.

Optionally, the processor 62 generates the first data credential according to the interaction request when the second server detects that the target data meets the guarantee range and increases the guarantee information.

Optionally, the processor 62 obtains the first data credential from the second server according to the interaction request. The first data credential is generated when the second server detects that the target data meets the guarantee range, and the request includes at least a storage address of each first data credential in the second server. Specifically, the first data credential is pre-generated by the first terminal and stored in the second server, and the request sent by the first terminal to the terminal device 60 is a link address (ie, a storage address) of the first data credential, and the link is The address includes a URL address corresponding to the first data voucher, and may also include information of the target data, such as data originator information, basic information of the target data (eg, data attributes, format, etc.).

FIG. 8 is a schematic flowchart diagram of an online fundraising method according to a first embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S70: The first server receives the fundraising request for the target item sent by the first terminal, and sends the fundraising request to the second terminal.

The financing request includes description information of the target item and the amount of funds to be raised, and insurance information, which is generated when the second server audits that the target item meets the coverage of the second server.

In the above solution, the second server pre-follows the fundraising project and adds corresponding insurance information to the fundraising project when the scope of the second server is met, and the first server issues the financing request including the insurance information, thereby When the project is funded, the insurance institution (second server) is introduced for evaluation and guarantee, and other investment investors (second terminal) are provided with investment risk protection, and the project financing progress is promoted.

FIG. 9 is a schematic flowchart of an online financing method according to a second embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S80: The first terminal sends a fundraising request for the target item to the first server.

The financing request includes description information of the target item and a fund amount to be raised, and insurance information; the insurance information is generated when the second server verifies that the target item meets the coverage of the second server.

Step S81: The first server obtains, according to the fundraising request, a first electronic voucher whose representative fund amount is equal to the amount of funds required to be raised by the target item, and sends the plurality of first electronic voucher to the second terminal. The first electronic voucher includes information of the interaction request.

In this embodiment, the first electronic voucher is a physical evidence, and is an electronic document including at least a fundraising amount, a target fund amount, and a preset time.

In the above solution, the first server acquires the corresponding first electronic voucher according to the fundraising request for the target item sent by the first terminal. When the financing project is issued by means of electronic voucher, the insurance company (second server) is introduced to audit and insure the initiated project, thereby providing investment confidence and investment risk protection for other investors (second terminal).

Please refer to FIG. 10, which is a schematic flowchart of an online fundraising method according to a third embodiment of the present invention. Please refer to FIG. 11 for a schematic diagram of the fund raising relationship. The method flow shown in this embodiment includes:

Step S90: The first terminal sends a fundraising request for the target item to the first server.

Step S91: The first server obtains, according to the fundraising request, a first electronic voucher whose representative fund amount is equal to the amount of funds required to be raised by the target item, and sends the first electronic voucher to the second terminal. The first electronic voucher includes information of the interaction request.

In an embodiment, the first server generates the first electronic voucher having the insurance information when the second server detects that the target item meets the coverage and generates the insurance information. The second server reviews the target item, and determines the insurance information such as the insurance premium and the claim amount when determining the approval, and adds the insurance information to the target item, and remains in the first electronic certificate generated by the first server. The insurance information.

In another embodiment, the first server obtains the first electronic credential from the second server according to the funding request. The first data credential is generated when the second server verifies the target item, and the request includes at least a storage address of each first electronic credential in the second server.

When the detection is passed, the identification information added for the first electronic voucher is the signature of the person or the signature of the institution, etc., thereby improving the authority and credibility of the target item and reducing the financing when raising funds to the second end user. Difficulty.

In the above solution, the second server may be an insurance company management server, and the crowdfunding project generator is credified by the material certificate generator loaded with the insurance company audit plugin. Among them, the insurance company will review the crowdfunding project and determine the insurance premium and the amount of claims.

Step S92, the second terminal receives the first server to send the first electronic voucher, and sends a certain amount of funds to the third server.

In step S93, when the sum of the funds amount received by the third server within a predetermined time is not less than the amount of funds to be raised by the target item, the third server sends the received funds to the first terminal, so that the first terminal user obtains the target. Funding for the target project.

In another embodiment, the second terminal receives the first electronic credential sent by the first server, and sends the second electronic credential to the first terminal, and adds the identifier information of the second terminal to the obtained first electronic credential. .

Wherein, the second electronic voucher is a silver credit certificate, and is opened for the second terminal user with the bank account fund or the credit line as a guarantee, and the bank promises to handle the electronic credit certificate for settlement and payment according to the payment condition. That is, the third server is a money management server of the second end user, such as a bank. The second electronic voucher is opened for the third server to freeze the account funds or the credit line of the second end user, and the frozen account fund or credit line is the same as the fund amount represented by the obtained first electronic voucher.

When the sum of the second electronic voucher funds received by the first terminal within a predetermined time is not less than the amount of funds required to be raised by the target item, the third terminal sends a settlement request to the third server, and the third server responds to the settlement request. The frozen funds in the second terminal user account are transferred to the fourth server. Accordingly, the fourth server transfers the funds to the account of the first terminal user, so that the first terminal user obtains the funds to be raised.

The fourth server is a fund management server of the first terminal.

Further, the third server may further allocate the frozen funds in the second terminal user account to the account of the first terminal corresponding to the settlement request, so that the first terminal acquires the funds to be raised.

When the amount of funds received by the first terminal within a predetermined time is less than the amount of funds to be raised by the target item, the information about the failure of the financing is sent to the third server, and the third server responds to the information according to the second data voucher. Two end user's account funds.

In the above solution, the first server acquires the corresponding first electronic voucher according to the fundraising request initiated by the first terminal for the target item. The second terminal receives the first electronic voucher sent by the first server and transfers the corresponding funds to the account of the first terminal user, so that the first terminal can raise funds required for the target project within a predetermined time. When an electronic voucher is used to issue a fundraising project, an insurance institution (second server) is introduced to evaluate and guarantee the project, thereby providing risk protection for other investors (second terminal).

Further, after receiving the first electronic voucher, each second terminal may further send the second electronic voucher with the same amount of funds to the fund management server of the first terminal, and solve the second electronic after the project financing is completed. The voucher is used to transfer funds to the account of the first end user. Using the second electronic voucher to invest in the target project, the funds with the investors are only temporarily frozen, making the investment safer.

The financing method in the embodiment of the present invention will be exemplified below.

For example, the first terminal is a fundraising initiator, the second server is an insurance company, the second terminal is an investor, and the first server is an e-commerce platform.

When the fund-raising initiator issues a request for financing a target project of 1 million through the e-commerce platform, the e-commerce platform generates a material letter for the crowdfunding project by using a physical information certificate generator provided by the insurance company or loaded with an insurance company audit plug-in. certificate. The amount of funds represented by this material certificate is 1 million. Further, the insured expenses may be paid by the sponsor or paid by the respective investors. In an embodiment, the initiator-generated physical evidence is stored on the second server, and the link information of the physical certificate is issued on the publishing platform by the first server. The link information includes a URL address pointing to the material certificate, and may also include item introduction information, initiator information, product pictures, and the like.

Other investors will follow the investment, specifically: after the investor a purchases the physical evidence from the initiator, the identity information of the investor a is recorded on the physical evidence card, and the investor a can use the silver letter certificate to purchase or use Other methods, such as bank transfer, Alipay and other network methods to pay. If it is a silver letter and investment, the third server freezes the account funds of the investor a to open a corresponding bank certificate for the purchase of the material certificate.

When the fund-raising period expires, it is judged whether the fund raising is successful and the fund allocation is completed. If the project is successfully funded, it will enter the implementation stage, and the holder of the physical evidence will obtain the predetermined income based on the material certificate held. Wherein, if the investor a uses the bank credit and the investment, the account fund of the third server investor a is released to the sponsor's fundraising account. If it is not successful, the project will fail to raise funds, and the return will be based on the material certificate. For example, if the traditional payment method is used for the follow-up, the investment will be returned to the last assignee of the physical information certificate. If a bank letter is used for payment, the investor’s bank letter issued to the fundraising account is released.

In the above plan, the target project passes the insurance company's audit and insurance guarantee, and the investor purchases the physical information certificate that needs to be purchased by online banking payment, bank transfer or through bank credit card, and allocates the corresponding funds when the target project is successful. In the bank account of the originator. The fund-raising project is issued by means of physical evidence, and the insurance guarantee for the project to be audited by the insurance company is introduced, thereby providing investment risk protection for other investors. The investor purchases the target project by means of a bank letter. The funds frozen because the bank letter is issued are not directly transferred to the bank account of the initiator. They are only frozen by the bank and cannot be used, but the funds are still in the investor's bank. In the bank account. As a result, the risk of the investor is greatly reduced, and because the frozen funds remain their own, they may gain additional benefits.

In the above-described embodiments, the present invention has been exemplarily described, and various modifications of the present invention may be made without departing from the spirit and scope of the invention.

Claims

A processing method for acquiring target data, wherein the method comprises:

The first server receives an interaction request for acquiring target data sent by the first terminal, and sends the interaction request to the second terminal;

The interaction request includes the description information and the data value of the target data, and further includes the security information, where the security information is generated when the second server detects that the target data meets the coverage of the second server.
The method for processing the target data according to claim 1, wherein the step of the first server receiving the interaction request of the acquisition target data sent by the first terminal and transmitting the interaction request to the second terminal is specific for:

The first server obtains a first data credential whose data value is equal to the data value of the target data according to the interaction request of the acquiring target data sent by the first terminal, and sends the first data credential To the second terminal;

The first data credential includes information of the interaction request.
The data processing method according to claim 2, wherein the first server obtains, according to the interaction request of the acquisition target data sent by the first terminal, that the represented data value is equal to the data value of the target data. The steps of a data voucher are specifically as follows:

The first server receives an interaction request for acquiring target data sent by the first terminal, and generates the first data credential when the second server detects that the target data meets a coverage range of the second server .
The data processing method according to claim 2, wherein the first server obtains, according to the interaction request of the acquisition target data sent by the first terminal, that the represented data value is equal to the data value of the target data. The steps of a data voucher are specifically as follows:

The first server receives an interaction request for acquiring target data sent by the first terminal, and obtains the first data credential from the second server according to the interaction request; wherein the first data credential is The second server generates when the target data is detected to meet the coverage range of the second server.
The data processing method according to claim 2, wherein the method comprises:

The second terminal receives the first data credential and sends the first data to the third server;

And sending, by the third server, the received data to the sum of the data value sizes of all the first data sent by the second terminal that is not within the target data in a predetermined time period The first terminal.
The data processing method according to claim 2, wherein the method comprises:

The second terminal receives the first data credential, and sends a second data credential to the first terminal, where the second data credential is that the third server locks the second terminal according to the request of the second terminal. Generated from the first data;

When the sum of the data value values represented by all the second data vouchers sent by the second terminal received by the second terminal within a predetermined time is not less than the data value size of the target data, The three servers send data interaction instructions;

The third server receives the data interaction instruction, and sends the locked data in the second terminal to the first terminal in response to the data interaction instruction, or the third server responds to the data interaction instruction Sending the locked data of the second terminal to the fourth server, so that the fourth server sends the received data to the first terminal.
The processing method of acquiring target data according to claim 6, wherein the data value represented by the second data voucher sent by the second terminal received by the first terminal within a predetermined time is smaller than the target When the data value size of the data, the method further includes:

Sending, by the first terminal, an instruction that the target data interaction fails to the third server;

The third server receives the instruction, and in response to the instruction, unlocks the first data that is locked in the corresponding second terminal according to the second data credential.
A server, including:

a receiving module, configured to receive an interaction request for acquiring target data sent by the first terminal, where the interaction request includes description information and data values of the target data, and further includes security information, where the security information is detected by the second server Generated when the target data meets the coverage of the second server;

And an interaction request sending module, configured to send the interaction request to the second terminal.
The server according to claim 8, further comprising:

a first data voucher obtaining module, configured to obtain, according to an interaction request of the acquisition target data sent by the first terminal, a first data voucher whose data value is equal to the data value of the target data; wherein the first data voucher Information containing the interaction request;

And a first data credential sending module, configured to send the first data credential obtained by the first data credential obtaining module to the second terminal.
A terminal device, wherein the device includes:

One or more processors;

Memory

Multiple applications; and

One or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs comprising instructions Used for:

And receiving, by the first terminal, an interaction request for acquiring the target data, where the interaction request includes the description information and the data value of the target data, and further includes the protection information, where the protection information is that the second server detects that the target data is consistent. Generated when the second server is secured; and

Sending the interaction request to the second terminal.
The terminal device according to claim 10, wherein the instructions are further configured to:

Acquiring, according to the interaction request, a first data credential whose data value is equal to the data value of the target data; wherein the first data credential contains information of the interaction request;

Sending the first data credential to the second terminal.
An online financing method, wherein the method comprises:

The first server receives the fundraising request for the target item sent by the first terminal, and sends the fundraising request to the second terminal; wherein the financing request includes description information of the target item and a fund amount to be raised, The insurance information is further included; the insurance information is generated when the second server verifies that the target item meets the coverage range of the second server.
The online fundraising method according to claim 12, wherein the step of the first server receiving the fundraising request for the target item sent by the first terminal and transmitting the fundraising request to the second terminal is specifically:

Receiving, by the first server, a financing request for the target item sent by the first terminal, and obtaining, according to the financing request, a first electronic voucher that is equal to the amount of funds required to be raised by the target item, and the Transmitting the first electronic voucher to the second terminal;

The first electronic voucher includes information of the financing request.
The online fundraising method according to claim 13, wherein the first server receives a fundraising request for the target item sent by the first terminal, and obtains a representative fund amount and the target item according to the fundraising request. The steps of the first electronic voucher for which the amount of funds to be raised are equal are as follows:

Receiving, by the first server, a fundraising request for the target item that is sent by the first terminal, and generating, when the second server detects that the target item meets the coverage of the second server, generating the protection information, generating The first electronic voucher having the guarantee information.
The online fundraising method according to claim 13, wherein the first server receives a fundraising request for the target item sent by the first terminal, and obtains a representative fund amount and the target item according to the fundraising request. The steps of the first electronic voucher for which the amount of funds to be raised are equal are as follows:

Receiving, by the first server, a financing request for the target item that is sent by the first terminal, and obtaining the first electronic voucher from the second server according to the financing request; wherein the first electronic voucher is The second server generates when the target item is detected to meet the coverage range of the second server.
The online fundraising method of claim 13, wherein the method further comprises:

The second terminal receives the first electronic voucher and sends the first funds to the third server;

Sending the received funds when the sum of the funds amount of all the first funds sent by the second terminal received by the third terminal within a predetermined time is not less than the amount of funds required to be raised by the target item To the first terminal.
The online fundraising method of claim 13, wherein the method further comprises:

The second terminal receives the first electronic voucher and sends a second electronic voucher to the third server; the second electronic voucher is a third server that freezes the second terminal user account according to the request of the second terminal Generated in the first fund;

When the sum of the funds amount represented by all the second electronic vouchers sent by the second terminal received by the first terminal within a predetermined time is not less than the amount of funds required to be raised by the target item, The third server sends a fund transfer instruction;

The third server receives the fund transfer instruction, and sends the frozen funds in the second terminal to the first terminal in response to the fund transfer instruction.