WO2016191923A1

WO2016191923A1 - Online lending method, and data interaction processing method, device and system

Info

Publication number: WO2016191923A1
Application number: PCT/CN2015/080254
Authority: WO
Inventors: 张毅
Original assignee: 深圳市银信网银科技有限公司
Priority date: 2015-05-29
Filing date: 2015-05-29
Publication date: 2016-12-08
Also published as: CA3176602A1; CA3093442C; CA3093425A1; CA2987674A1; CA3093411A1; CA3093435A1; CA3093425C; CA2987674C; CA3093411C; CA3093435C; CA3093442A1

Abstract

A lending method, and a data interaction processing method, device and system. The lending method comprises: first and second participants respectively submit first and second borrowing requests (S10); after receiving the first and second borrowing requests, a third participant submits an application to open credit certificates to a first funds management server (S11); the first funds management server generates corresponding first and second credit certificates, and respectively freezes corresponding first and second funds of the third participant (S12); according to the first and second credit certificates, a second funds management server grants funds to the first participant which are equal to the first funds, and grants funds to the second participant which are equal to the second funds, the second funds management server setting a repayment time for the granted funds, and monitoring a repayment date of the first participant and the second participant (S13). The present invention reduces the lending risk for a loan initiator.

Description

Online lending method, data interaction processing method, device and system

【技术领域】[Technical Field]

The present invention relates to the field of credit, and in particular to a lending method, a data interaction processing method, apparatus and system.

【背景技术】【Background technique】

Private lending is divided into private lending and borrowing between citizens and financial companies. Since private lending is mostly carried out in the case of semi-public or even secret transactions, the borrowers and lenders generally test the so-called reputation maintenance, the loan procedures are incomplete, there is no guarantee mortgage, there is no reliable legal guarantee, and once the situation changes, the lender It is highly probable that the funds borrowed from the borrower will not be returned.

With the development of Internet technology, especially mobile Internet technology, 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. This is an incomparable experience offline. Therefore, it is necessary to provide an online based loan method.

Further, since the user can implement data interaction in various ways through the Internet, it is necessary to provide an online data interaction processing method.

【发明内容】 [Summary of the Invention]

It is an object of the present invention to provide an online lending method.

The invention provides an online lending method, the method comprising: a first party and a second party respectively submit a first loan request and a second loan request; and the third party receives the first loan request and the first Receiving a loan request, and then submitting a credit certificate opening application to the first fund management server; the first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the a first fund equal to the loan amount of the first loan request and a second fund equal to the loan amount requested by the second loan, and the first credit certificate and the second credit certificate Sending to the second fund management server; after receiving the first credential and the second credential, the second fund management server issues funds equal to the first fund and the bank to the first party The second participant issues funds equal to the second fund; wherein the second fund management server sets a repayment time of the issued funds, Monitoring a repayment date of the first participant and the second participant; the first fund management server is an account management server of the third participant, and the second fund management server is the first participant And the account management server of the second party.

Another online lending method provided by the present invention, the method includes: receiving, by the first fund management server, a third participant, according to the first party and the second party respectively submitting the first loan request and the second loan request Opening a credit certificate application; generating a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezing the third party participant with a loan amount equal to the first loan request a fund and a second fund equal to the loan amount requested by the second loan, and transmitting the first credit certificate and the second credit certificate to the second fund management server; and the first credit certificate and the first Sending the second credit certificate to the second fund management server, and after the second fund management server receives the first credit certificate and the second credit certificate, issuing the first party equal to the first fund Funding and issuing funds equal to the second fund to the second participant; wherein the second fund management server sets the funds to be issued Repaying time, and monitoring a repayment date of the first participant and the second participant; the first fund management server is an account management server of the third party, and the second money management server is The account management server of the first participant and the second participant.

Another online loan method provided by the present invention, the method includes: the second fund management server receives the first credit certificate and the second credit certificate; wherein the first credit certificate and the second credit certificate are the first funds The management server receives, by the third participant, an application for opening a credit certificate according to the first party and the second participant respectively submitting the first loan request and the second loan request; and issuance to the first participant The first funds are equal to the funds and the second party is issued with funds equal to the second funds; wherein the second money management server sets the repayment time of the issued funds, and monitors the a repayment date of the first participant and the second participant; the first fund management server is an account management server of the third party, and the second fund management server is the first party and the first party The account management server of the two participants.

In the above online lending method, the third party applies for the opening of the credit certificate to the first fund management server when receiving the loan request of the first and second parties, and the first fund management server freezes the corresponding fund, and the second fund management The server issues the frozen funds to the first and second parties according to the credit certificate. Therefore, the fund management server is used as an intermediary platform of the three participants, and the third participation is secured by the first fund management server, and the associated second fund management server issues loans to the first and second parties, thereby facilitating the first The second party makes the loan through the line; in addition, the second fund management server monitors the repayment dates of the first and second parties, thereby reducing the loan risk of the loan originator.

Another object of the present invention is to provide a data interaction processing method, a data interaction system, and a data processing apparatus.

The invention provides a data interaction processing method, the method comprising: a first data requestor proposes a first data request that needs to add a first data value to a data unit thereof, and the second data requester proposes to add to the data unit a second data request of the second data value; the data initiator receives the first data request and the second data request, and submits a data voucher open request to the first service party; the first service party opens according to the data certificate Generating an application to generate a corresponding first data voucher and a second data voucher, locking first data in the data unit of the data originator that is equal to the first data value and second data equal to the second data value And sending the first data credential and the second data credential to the second serving party; after receiving the first data credential and the second data credential, the second serving party sends the first data requester to the first data requesting party Adding a data value equal to the first data size to the data unit and adding data equal to the second data size to the second data requestor data unit Wherein the second servant is set to increase the size of the first data and the second data to the second servant data unit respectively within a predetermined time Equal data values.

The present invention provides a data interaction processing method, the method comprising: receiving, by a first service party, a data credential open application submitted by a data initiator according to a first data request and a second data request; wherein the first data Requesting, for the first data requestor, a request to add a first data value to its data unit, the second data request initiating a request for the second data requestor to add a second data value to its data unit; The data voucher opening application generates a corresponding first data voucher and a second data voucher, and locks the first data in the data unit of the data initiator that is equal to the first data value and is equal to the second data value Transmitting the first data voucher and the second data voucher to the second service party; and transmitting the first data voucher and the second data voucher to the second service party to enable the second service After receiving the first data credential and the second data credential, the party adds data equal to the first data size to the first data requester data unit. And adding a data value equal to the second data size to the second data requestor data unit; wherein the second service party sets the first data requester and the second data request within a predetermined time The party shall add data values equal to the size of the first data and the second data to the second servant data unit, respectively.

The present invention provides a data interaction processing method, the method comprising: a second service party receiving a first data credential and a second data credential; wherein the first data credential is a first serving party receiving data originating party according to the The second data voucher is generated by the data requesting the data voucher opening request, and the second data voucher is generated by the first service party receiving the data voucher opening request filed by the data initiating party according to the second data request, the first data. Requesting, for the first data requestor, a request to add a first data value to its data unit, the second data request initiating a request for the second data requestor to add a second data value to its data unit; Adding a data value equal to the first data size to the first data requestor data unit and adding a data value equal to the second data size to the second data requestor data unit; wherein The second servant sets the first data requester and the second data requester to increase to the second servant data unit respectively within a predetermined time Said first and second data values equal to the size of the data.

The present invention provides a data interaction processing system, the system comprising: a first data requesting terminal for proposing a first data request for adding a first data value to a data unit thereof; and a second data requesting terminal for presenting And a second data request for adding a second data value to the data unit; the data originating terminal is configured to receive the first data request and the second data request, and submit a data voucher open request; the first server is configured to The data voucher open request generates a corresponding first data voucher and a second data voucher, and locks the first data in the data unit of the data initiator that is equal to the first data value and the second data value An equal second data; the second server, after receiving the first data credential and the second data credential, adding a data value equal to the first data size to the first data requestor data unit and Adding a data value equal to the second data size to the second data requestor data unit; wherein the second service party is set within a predetermined time Said first data and second data requestor should be increased requestor with the first and second data values of data equal in size to the second party service data unit.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a data credential open application submitted by a data initiator according to a first data request and a second data request; wherein, the first The data request initiates a request for the first data requestor to add a first data value to its data unit, the second data request initiating a request for the second data requestor to add a second data value to its data unit; And generating, according to the data voucher opening application, a corresponding first data voucher and a second data voucher, locking the first data in the data unit of the data initiator that is equal to the first data value, and the Second data having the second data value being equal, and transmitting the first data voucher and the second data voucher to the second server; and an issuance module, configured to send the first data voucher and the second data voucher to a second server, after the second server receives the first data credential and the second data credential, and sends the first data requester to the first data requestor data unit Adding a data value equal to the first data size and adding a data value equal to the second data size to the second data requestor data unit; wherein the second service party is set within a predetermined time The first data requester and the second data requestor shall respectively add data values equal to the first data and the second data size to the second server data unit.

The present invention provides a data interaction processing apparatus, the apparatus comprising: a receiving module, configured to receive a first data credential and a second data credential; wherein the first data credential is a first serving party receiving data originating party according to The first data request is generated by the first data request, and the second data voucher is generated by the first service party receiving the data voucher open request submitted by the data initiator according to the second data request, where the first The data request initiates a request for the first data requestor to add a first data value to its data unit, the second data request initiates a request for the second data requestor to add a second data value to its data unit; a module, configured to add a data value equal to the first data size to the first data requestor data unit, and add data equal to the second data size to the second data requestor data unit a value; wherein the second server is set to the second data requester and the second data requester respectively to the second time within a predetermined time Party service data unit increases the first and second data values equal to the size of the data.

In the above data interaction processing method, the data interaction system, and the data processing apparatus, when the data initiator receives the data request that needs to add a value to the data unit in the first data request, the first service party is The data originator's request opens the data voucher and locks the corresponding first data and the second data, so that the second service party adds the values of the first data and the second data to the corresponding first data requester according to the data voucher and The second data requester requests the first data requester and the second data requester to add the values of the first data and the second data to the second server data unit respectively within a predetermined time. Therefore, in the data interaction process, the first and second service parties are added to the interaction process, and the data originator sends the credit guarantee to the service party to make the service party become the actual data issuer, thereby making the data interaction processing more convenient. ,Safety.

【附图说明】 [Description of the Drawings]

1 is a schematic flow chart of a lending method in a first embodiment of the present invention;

2 is a schematic diagram of a loan relationship in an embodiment of the present invention;

3 is a schematic flow chart of a lending method in a second embodiment of the present invention;

4 is a schematic flow chart of a lending method in a third embodiment of the present invention;

5 is a schematic flow chart of a lending method in a fourth embodiment of the present invention;

6 is a schematic flowchart of a data interaction processing method in a first embodiment of the present invention;

7 is a schematic diagram of data interaction relationship in an embodiment of the present invention;

8 is a schematic flowchart of a data interaction processing method in a second embodiment of the present invention;

9 is a schematic flowchart of a data interaction processing method in a third embodiment of the present invention;

FIG. 10 is a schematic structural diagram of a data interaction processing system according to an embodiment of the present invention; FIG.

11 is a schematic diagram of a connection relationship of data interaction in an embodiment of the present invention;

12 is a schematic diagram of a mechanism of a data interaction processing apparatus in a first embodiment of the present invention;

FIG. 13 is a schematic diagram of the mechanism of a data interaction processing apparatus in a second embodiment of the present invention.

【具体实施方式】【detailed description】

The invention will now be described in detail in conjunction with the drawings and embodiments.

Please refer to FIG. 1 , which is a schematic flowchart diagram of an online lending method according to a first embodiment of the present invention. Please refer to FIG. 2 together with the schematic diagram of the loan relationship. The method flow shown in this embodiment includes the following steps:

In step S10, the first participant and the second participant respectively submit the first loan request and the second loan request.

Step S11: The third party receives the first loan request and the second loan request, and then submits a credit certificate opening application to the first fund management server.

The credit certificate is a silver letter certificate, which is opened for the loan initiator to use its bank account funds or credit line as a guarantee. The bank promises to handle the electronic credit certificate for settlement and payment according to the settlement conditions.

Referring to FIG. 3, further, in step S10, the first participant and the second participant respectively submit the first loan request and the second loan request, which are specifically implemented by the following steps:

In step S10a, the first participant and the second participant respectively submit the first loan request and the second loan request through a server platform.

The server platform may be an e-commerce platform, and the first and second participants may also access the e-commerce platform to complete the initiation of the loan request through an application installed in the smart terminal.

Step 11, that is, the third party receives the first loan request and the second loan request, and then submits a credit certificate opening application to the first fund management server, which is specifically implemented by the following steps:

Step S11a: The third party receives the first loan request and the second loan request through the server platform, and then submits a credit certificate opening application to the first fund management server.

The third party may also access the server platform to find and receive the borrowing requests of the first and second parties.

Step S12, the first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the first amount of the third party participant that is equal to the borrowing amount of the first loan request. And the second fund equal to the loan amount requested by the second loan, and sending the first credit certificate and the second credit certificate to the second fund management server.

Step S13, after receiving the first credential and the second credential, the second fund management server issues funds equal to the first fund to the first party and issues the second to the second party. Funds with equal funds.

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant.

The first money management server is an account management server of the third party,

The second fund management server is an account management server of the first participant and the second participant.

In this embodiment, the first fund management server is a fund management server of the first bank, and the second fund management server is a fund management server of the second bank. The frozen funds are the deposit of the third party to the first fund management server, or the credit amount of the third party to the first fund management server, or the third party of the third fund management server The funds corresponding to the mortgaged real estate.

In another embodiment, the first money management server and the second money management server are the same money management server.

Further, in the embodiment, the first and second parties are borrowers, and the third party is a loan initiator.

For example, the first borrower issues a first loan request with a loan of 100,000, and the second borrower issues a second loan request with a loan of 80,000. The loan initiator receives the first and second loan requests and applies to the first bank for the first loan. Credit certificate and second credit certificate. Among them, the value of the first credit certificate is equivalent to 100,000, and the value of the second credit certificate is equivalent to 80,000. Or, the value of the first credit certificate is equivalent to 120,000, and the value of the second credit certificate is equivalent to 60,000. In short, the sum of the value of the first credit certificate and the second credit certificate is equivalent to 180,000, that is, the sum of the first loan request and the second loan request. The first bank freezes the funds of the loan originator in the first bank, wherein the value of the frozen funds is equal to the sum of the values of the first and second credit certificates. For example, the 180,000 bank deposits are frozen by the originator of the loan as a guarantee for the originator of the loan. Then, the second bank allocates the 180,000 to the borrowing request of the first borrower and the second borrower according to the credit certificate sent by the first bank, that is, issues 100,000 of the 180,000 funds to the first borrower, The remaining 80,000 were issued to the second borrower, at which time the borrowing of the first borrower and the second borrower was successful.

For the loan originator, the 180,000 deposits in the bank are not borrowed by the bank to the borrower, but are not frozen by the bank. The 180,000 deposits are still in the loan originator account and belong to the loan originator. The risk is greatly reduced, and because the 180,000 deposits still belong to them, they may gain additional benefits. For the borrower, it borrows from the lender rather than borrowing from the bank, but the actual amount comes from the bank, and the subsequent payment is still returned to the bank. Based on the strong strength and counter-force of the bank, it will strengthen self-discipline to match The lender completes the entire lending process and further reduces the lender's risk. At the same time, the bank's strong strength makes the loan process smoother and more convenient for the borrower. For the bank, the 180,000 funds borrowed are guaranteed by the lender’s frozen 180,000 storage, and the risk is not entirely borne by the other party. At the same time, due to its strong strength and counter-force, the lending process can be guaranteed to a certain extent. Done successfully. After successful completion, you can increase your potential customers, get more customer information, and you can get additional benefits from the lending process.

In the above solution, the third participant applies for the opening of the credit certificate to the first fund management server when receiving the loan request of the first party and the second party, and the first fund management server freezes the corresponding fund, and the second fund management server according to the credit The voucher issues the frozen funds to the first and second parties. Therefore, the fund management server is used as an intermediary platform of the three participants, and the third participation is secured by the first fund management server, and the associated second fund management server issues loans to the first and second parties, thereby facilitating the first Second, the participants will make loans online. In addition, the second fund management server monitors the repayment dates of the first and second parties, thereby reducing the loan risk of the loan originator.

Please refer to FIG. 4 , which is a schematic flowchart diagram of an online lending method according to a third embodiment of the present invention. The method flow shown in this embodiment includes:

Step S20: The first fund management server receives a credit certificate opening application submitted by the third participant according to the first party and the second party respectively submitting the first loan request and the second loan request.

Step S21, generating a corresponding first credential and a second credential according to the credit certificate opening application, and then freezing the first fund equal to the borrowing amount of the first borrowing request and the second The second fund with the same loan amount as the loan request, and the first credit certificate and the second credit certificate are sent to the second fund management server.

Step S22, the first credential and the second credential are sent to the second fund management server, so that the second fund management server receives the first credential and the second credential, and then issues the first credential and the second credential to the first participant. Funds equal to the first fund and funds equal to the second party to the second party.

The first fund management server is an account management server of the third party, and the second fund management server is an account management server of the first participant and the second participant.

Please refer to FIG. 5 , which is a schematic flowchart diagram of an online lending method according to a fourth embodiment of the present invention. The method flow shown in this embodiment includes:

Step S30, the second fund management server receives the first credit certificate and the second credit certificate. The first credential voucher and the second credential voucher are used by the first fund management server to receive the credit certificate issued by the third party according to the first party and the second party respectively submitting the first loan request and the second loan request. Generated upon application.

Step S31, issuing funds equal to the first funds to the first party and issuing funds equal to the second funds to the second party.

FIG. 6 is a schematic flowchart diagram of a data interaction processing method according to a first embodiment of the present invention. Please refer to FIG. 7 as a schematic diagram of the data interaction relationship. The method flow shown in this implementation manner includes:

In step S40, the first data requester proposes a first data request that needs to add a first data value to its data unit and the second data requestor proposes a second data request that needs to add a second data value to its data unit.

Further, the first and second data requesters initiate a data request requiring the first data through the first server platform.

Step S41: The data initiator receives the first data request and the second data request, and submits a data voucher open application to the first service party.

Specifically, the data initiator applies to the service party to open the data certificate through the second server platform.

The first server platform and the second server platform may be the same server platform or different server platforms.

Further, the first server platform and the second server platform may be an e-commerce platform, and the data requesting party may also access the e-commerce platform to complete the initiation of the data request by using an application installed in the smart terminal, and the data initiator passes the electricity. The merchant platform opens the data voucher in response to the data request.

Step S42, the first service party generates a corresponding first data voucher and a second data voucher according to the data voucher open application, and locks the first data and the first data value in the data unit of the data initiator. The second data having the second data value is equal, and the first data credential and the second data credential are sent to the second serving party.

Step S43, after receiving the first data credential and the second data credential, the second serving party adds a data value equal to the first data size and requests the second data to the first data requestor data unit. A data value equal to the size of the second data is added to the square data unit. The second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.

The data interaction processing method in the embodiment of the present invention is exemplified below.

For example, the first data requester is user A1, the second data requester is user A2, and the data originator is user B. User B is the administrator of multiple clients and has a corresponding password for each client to perform administrator privileges. The client can be a device such as a personal computer, a tablet, a smart phone, or the like that can perform data interaction with the server through a network. The user A1 initiates a first data request requiring the first data through the first server platform, and the user A2 initiates a second data request requiring the second data through the first server platform. The first data is a password for requesting the administrator authority of the client 2 therein, and the second data is a password for requesting the administrator authority of the client 5 therein.

When receiving the first and second data requests, the user B requests the first service party to open the first data certificate and the second data certificate through the second server platform. The administrator password of the user B is saved in the second service party, and the importance level of the corresponding administrator authority is different for each client. For example, the client 1 is a company server, the client 2 is a tablet computer, the client terminal 3 is a personal computer, the client terminal 4 is a mobile phone, and the client terminal 5 is a smart TV. Therefore, the importance level of the administrator rights of the client needs to be set from high to low: client 1, client 3, client 2, client 4, and client 5. When the user B agrees to hand over the administrator rights of the clients 2, 5 to the users A1 and A2, the corresponding service party is provided with the corresponding data credentials. The data credential may be an operation log when the user B manages the clients 2 and 5 to prove the security and reliability of the user B.

When the first servant receives the data credential submitted by the user B, the privilege of the user B to the client 2, 5 is frozen according to the related content of the data credential, that is, the user B cannot use the corresponding password to the client 2 5 management. At the same time, the second server sends the password of the administrator authority of the client 2, 5 to the users A1 and A2 according to the data certificate sent by the first server. Moreover, the second service party can set the time when the user A1 returns the administrator authority of the client 2, and set the time when the user A2 returns the administrator authority of the client 5. The two return periods can be the same or different. For example, the second servant sets the user A1 to return the admin rights of the client 2 to the user B within one month, and the user A1 needs to return the admin rights of the client 5 to the admin right within 4 months. User B.

When both users A1 and A2 return the administrator rights of the corresponding client to the second server within a specified time, the first server releases the administrator rights of the user B to the clients 2, 5, and the users A1 and A2 Clients 2, 5 will no longer be managed using the corresponding password. When the user A1 or / and A2 does not return the administrator authority of the client to the second server within the specified time, the second service sends a notification to the user A1 or / and A2 to prompt them to return the administrator authority. If the service party does not receive the administrator rights of the client returned by the user A1 or / and A2, the administrator rights of the user B to the client 2 or / and 5 are completely cancelled.

Above, when the user B (data initiator) receives the request of the user A1 and A2 (data requester) to obtain the administrator authority password of the corresponding client, the first service party notifies the second service party according to the data credential submitted by the user B. The client's administrator privilege password is sent to users A1 and A2. On the one hand, the process of user B handing over administrator rights to users A1 and A2 is subject to risk management through the service party, and the data credentials of user B are required as guarantees so that administrator rights are not arbitrarily transferred. On the other hand, when users A1 and A2 do not return the administrator rights on time, the service party can notify users A1 and A2 to promptly return or cancel the administrator rights of user B, thereby ensuring that only one administrator authority per client does not Causes confusion in the data management of the client and avoids the risk of client data security.

Further, the requested 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 data requester is the borrower, and the data initiator is The loan requester, the server is a fund management server, for example, a bank. If it is audio data, such as a song, the data requester and the data originator may be a client having a multimedia playing function such as a mobile phone, and the server is a music website server.

FIG. 8 is a data interaction processing method according to a second embodiment of the present invention. The method flow shown in the implementation manner includes:

Step S50: The first server receives the data voucher open request submitted by the data initiator according to the first data request and the second data request respectively. The first data request initiates a request for the first data requestor to add a first data value to the data unit, the second data request for the second data requestor to initiate a second data value to be added to the data unit request.

Specifically, the first and second data requesters initiate the first and second data requests respectively through the first server platform. The data initiator applies to the service party to open corresponding data credentials through the second server platform.

Step S51, generating a corresponding first data credential and a second data credential according to the data credential open application, and locking the first data equal to the first data value and the second data value in the data unit of the data initiator Equal second data, and sending the first data credential and the second data credential to the second servant.

Step S52, the first data credential and the second data credential are sent to the second service party, and after the second service party receives the first data credential and the second data credential, the first data requestor data unit is sent to the first data requestor. Adding a data value equal to the first data size and adding a data value equal to the second data size to the second data requestor data unit. The second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.

Referring to FIG. 9, a data interaction processing method according to a third embodiment of the present invention, the method flow shown in the implementation manner includes:

Step S60, the second server receives the first data certificate and the second data certificate. The first data credential is generated by the first service party receiving the data credential open request submitted by the data initiator according to the first data request, where the second data credential is the first service party receiving the data initiator according to the second data. The first data request is initiated by the first data requester to initiate a request to add a first data value to the data unit, and the second data request initiates a request for the second data requestor. A request to add a second data value to its data unit.

Step S61, adding a data value equal to the first data size to the first data requestor data unit and adding a data value equal to the second data size to the second data requestor data unit. The second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.

Please refer to FIG. 10 and FIG. 11 simultaneously, which are schematic structural diagrams of a terminal-type data interaction processing system according to the present invention. The system 70 shown by the implementation terminal includes a first data requesting terminal 71, a second data requesting terminal 72, a data originating terminal 73, a first server 74, and a second server 75.

The first data requesting terminal 71 is configured to propose a first data request that needs to add a first data value to its data unit.

The second data requesting terminal 72 is for presenting a second data request that requires a second data value to be added to its data unit.

The first data requesting terminal 71 and the second data requesting terminal 72 initiate a data request requiring the first data through the first server platform.

The data originating terminal 73 is configured to receive the first data request and the second data request, and submit a data voucher opening request.

Specifically, the data originating terminal 72 applies to the first server 73 to open a corresponding data credential through the second server platform.

Further, the first server platform and the second server platform may be an e-commerce platform, and the first data requesting terminal 71 and the second data requesting terminal 72 may also access the e-commerce platform through an application installed in the smart terminal. The initiation of the data request is completed, and the data originating terminal 73 opens the data voucher by responding to the data request by the e-commerce platform.

The first server 74 is configured to generate a corresponding first data credential and a second data credential according to the data credential open application, and lock the first data in the data unit of the data initiating terminal 73 that is equal to the first data value and The second data having the second data value is equal.

After receiving the first data credential and the second data credential, the second server 75 adds a data value equal to the first data size to the data unit of the first data request terminal 71 and requests the terminal to the second data. A data value equal to the size of the second data is added to the 72 data unit. The second server 75 is configured to add the data equal to the first data and the second data to the data unit of the second server 75 by the first data requesting terminal 71 and the second data requesting terminal 72 respectively within a predetermined time. value.

FIG. 12 is a data interaction processing apparatus according to the first embodiment of the present invention. The data interaction processing apparatus 80 shown in this embodiment includes a receiving module 81, a processing module 82, and a issuing module 83. In the present embodiment, the device 80 operates in a banking system.

The receiving module 81 is configured to receive a data credential open application submitted by the data initiator according to the first data request and the second data request respectively. The first data request initiates a request for the first data requestor to add a first data value to the data unit, the second data request for the second data requestor to initiate a second data value to be added to the data unit request.

Specifically, the receiving module 81 receives the data certificate opened by the data originating terminal through a server platform.

The processing module 82 is configured to generate a corresponding first data credential and a second data credential according to the data credential open application, and lock the first data that is equal to the first data value in the data unit of the data initiator and the first data And second data having the same data value, and sending the first data certificate and the second data certificate to the second server.

The issuance module 83 is configured to send the first data credential and the second data credential to the second service party, and after the second service party receives the first data credential and the second data credential, request the first data request A data value equal to the first data size is added to the square data unit and a data value equal to the second data size is added to the second data requestor data unit. The second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.

Referring to FIG. 13, a data interaction processing apparatus according to a second embodiment of the present invention includes a receiving module 91 and a issuing module 92. In the present embodiment, the device 90 operates in a banking system.

The receiving module 91 receives the first data credential and the second data credential. The first data credential is generated by the first service party receiving the data credential open request submitted by the data initiator according to the first data request, where the second data credential is the first service party receiving the data initiator according to the second data. The first data request is initiated by the first data requester to initiate a request to add a first data value to the data unit, and the second data request initiates a request for the second data requestor. A request to add a second data value to its data unit.

The issuance module 92 is configured to add a data value equal to the first data size to the first data requester data unit and a data value equal to the second data size to the second data requestor data unit. The second service party sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit respectively within a predetermined time.

In the data interaction processing method, the data interaction system, and the data processing apparatus provided by the present invention, when the data initiator receives the data request that the first and second data requesters need to add a value to the data unit, the first The service party opens the data certificate according to the request of the data initiator, and locks the corresponding first data and the second data, so that the second service party adds the values of the first data and the second data to the corresponding first data according to the data certificate. The requesting party and the second data requesting party, and requesting the first data requesting party and the second data requesting party to add the values of the first data and the second data to the second server data unit respectively within a predetermined time. Therefore, in the data interaction process, the first and second service parties are added to the interaction process, and the data originator sends the credit guarantee to the service party to make the service party become the actual data issuer, thereby making the data interaction processing more convenient. ,Safety.

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

An online lending method, wherein the method comprises the following steps:

The first participant and the second participant respectively submit the first loan request and the second loan request;

The third participant receives the first loan request and the second loan request, and then submits a credit certificate opening application to the first fund management server;

The first fund management server generates a corresponding first credit certificate and a second credit certificate according to the credit certificate opening application, and then freezes the third party that has the same loan amount as the first loan request a fund and a second fund equal to the loan amount requested by the second loan, and sending the first credit certificate and the second credit certificate to the second fund management server;

After receiving the first credential and the second credential, the second fund management server issues funds equal to the first fund to the first party and issues the same to the second party Said that the second fund is equal to the funds;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant;

The first fund management server is an account management server of the third party,

The second fund management server is an account management server of the first participant and the second participant.
The online lending method according to claim 1, wherein the steps of the first party and the second party respectively submitting the first loan request and the second loan request are:

The first participant and the second participant respectively submit the first loan request and the second loan request through a server platform;

The step of the third participant receiving the first loan request and the second loan request, and then submitting the credit certificate opening application to the first fund management server is specifically:

The third party receives the first loan request and the second loan request through the server platform, and then submits a credit certificate opening application to the first fund management server.
The online lending method according to claim 1, wherein the first money management server is a money management server of the first bank, and the second money management server is a money management server of the second bank; The funds are the deposit of the third party to the first fund management server, or the first fund management server gives the third party's credit line, or the third party is in the first The funds corresponding to the real estate mortgaged by the fund management server.
The online lending method according to claim 2, wherein the first money management server is a fund management server of the first bank, and the second money management server is a money management server of the second bank; the frozen The funds are the deposit of the third party to the first fund management server, or the first fund management server gives the third party's credit line, or the third party is in the first The funds corresponding to the real estate mortgaged by the fund management server.
The online lending method according to claim 1, wherein said first money management server and said second money management server are the same money management server.
An online lending method, wherein the method comprises:

The first fund management server receives an application for opening a credit certificate submitted by the third participant according to the first party and the second party respectively submitting the first loan request and the second loan request;

Generating a corresponding first credential and a second credential according to the credit certificate opening application, and then freezing the first fund of the third party that is equal to the borrowing amount of the first borrowing request and the first 2. The second fund with the same loan amount as the loan request; and

Sending the first credential and the second credential to the second fund management server, and after the second fund management server receives the first credential and the second credential, to the first party Issuing funds equal to the first funds and issuing funds equal to the second funds to the second party;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant;

The first fund management server is an account management server of the third party,

The second fund management server is an account management server of the first participant and the second participant.
An online lending method, wherein the method comprises:

The second fund management server receives the first credential and the second credential; wherein the first credential and the second credential are the first fund management server receiving the third participant according to the first participant and the second participant Generated by submitting an application for a credit certificate submitted by submitting the first loan request and the second loan request respectively;

Disbursing funds equal to the first funds to the first party and funds equal to the second funds to the second party;

The second fund management server sets a repayment time of the issued funds, and monitors a repayment date of the first participant and the second participant;

The first fund management server is an account management server of the third party,

The second fund management server is an account management server of the first participant and the second participant.
A data interaction processing method, wherein the method comprises:

The first data requestor proposes a first data request to add a first data value to its data unit and the second data requestor proposes a second data request to add a second data value to its data unit;

Receiving, by the data initiator, the first data request and the second data request, and submitting a data voucher opening application to the first service party;

The first server creates a corresponding first data credential and a second data credential according to the data credential open application, and locks the first data in the data unit of the data originator that is equal to the first data value and And second data equal to the second data value, and sending the first data voucher and the second data voucher to the second server;

After receiving the first data credential and the second data credential, the second server adds a data value equal to the first data size to the first data requestor data unit and to the second data Adding a data value equal to the second data size in the data requester data unit; wherein the second service party is set to be in the predetermined time, the first data requester and the second data requester respectively The second servant data unit adds a data value equal to the first data and the second data size.
A data interaction processing method, wherein the method comprises:

Receiving, by the first server, a data credential open request submitted by the data initiator according to the first data request and the second data request; wherein the first data request initiates a first data requester to add a first data to the data unit a request for a data value, the second data request initiating a request for the second data requestor to add a second data value to its data unit;

Generating, according to the data voucher open application, a corresponding first data voucher and a second data voucher, and locking the first data and the second data in the data unit of the data initiator that are equal to the first data value Second data of equal value;

Sending the first data voucher and the second data voucher to the second service party, and after the second service party receives the first data voucher and the second data voucher, requesting data to the first data requestor Adding a data value equal to the first data size to the unit and adding a data value equal to the second data size to the second data requestor data unit; wherein the second service party is set at a predetermined The first data requester and the second data requester should add data values equal to the first data and the second data size to the second server data unit, respectively.
A data interaction processing method, wherein the method comprises:

Receiving, by the second server, the first data credential and the second data credential, wherein the first data credential is generated by the first serving party receiving the data credential opening application filed by the data initiating party according to the first data request, The second data credential is generated by the first servant receiving the data credential open request submitted by the data originator according to the second data request, the first data request is initiated by the first data requester to add a first to the data unit a request for a data value, the second data request initiating a request for the second data requestor to add a second data value to its data unit;

Adding a data value equal to the first data size to the first data requester data unit and adding a data value equal to the second data size to the second data requestor data unit; wherein The second servant sets the first data requester and the second data requester to add data equal to the first data and the second data size to the second servant data unit respectively within a predetermined time. value.
A data interaction processing system, wherein the system comprises:

a first data requesting terminal, configured to propose a first data request that needs to add a first data value to its data unit;

a second data requesting terminal, configured to propose a second data request that needs to add a second data value to its data unit;

a data originating terminal, configured to receive the first data request and the second data request, and submit a data voucher opening application;

a first server, configured to generate a corresponding first data credential and a second data credential according to the data credential open application, and lock the first data in the data unit of the data originating terminal that is equal to the first data value, and Second data equal to the second data value;

a second server, after receiving the first data credential and the second data credential, adding a data value equal to the first data size to the first data request terminal data unit and to the second data Adding a data value equal to the size of the second data in the requesting terminal data unit; wherein the second server is set to be in the predetermined time, the first data requesting terminal and the second data requesting terminal respectively to the second The server data unit adds a data value equal to the first data and the second data size.
A data interaction processing device, wherein the device comprises:

a receiving module, configured to receive a data credential open application submitted by the data initiator according to the first data request and the second data request, where the first data request is initiated by the first data requester to be added to the data unit a request for a data value, the second data request initiating a request for the second data requestor to add a second data value to its data unit;

a processing module, configured to generate a corresponding first data credential and a second data credential according to the data credential open application, and lock the first data that is equal to the first data value in the data unit of the data initiator and The second data having the second data value being equal, and transmitting the first data voucher and the second data voucher to the second server;

a issuing module, configured to send the first data credential and the second data credential to the second serving party, after the second serving party receives the first data credential and the second data credential, to the Adding a data value equal to the first data size to a data requestor data unit and adding a data value equal to the second data size to the second data requestor data unit; wherein the second The server sets the first data requester and the second data requester to add data values equal to the first data and the second data size to the second server data unit, respectively, within a predetermined time.
A data interaction processing device, wherein the device comprises:

a receiving module, configured to receive the first data credential and the second data credential; wherein the first data credential is generated by the first serving party receiving the data credential opening request submitted by the data initiating party according to the first data request, where The second data credential is generated by the first servant receiving the data credential open request submitted by the data originator according to the second data request, and the first data request is initiated by the first data requester to add a data to the data unit a request for a data value, the second data request initiating a request for the second data requestor to add a second data value to its data unit;

a issuing module, configured to add a data value equal to the first data size to the first data requestor data unit, and add an equal size to the second data requester data unit to the second data requestor data unit a data value; wherein the second servant is set to add the first data requester and the second data requester to the second servant data unit respectively for a predetermined time Data values of equal data size.