Title:
LENDING METHOD, AND DATA INTERACTION PROCESSING METHOD, DEVICE AND SYSTEM
Document Type and Number:
WIPO Patent Application WO/2016/191937
Kind Code:
A1
Abstract:
A lending method, and a data interaction processing method, device and system. The lending method comprises: according to a borrowing request of a second participant, a first participant applies to a first funds management server to open an electronic commitment payment certificate which is less than a borrowing value requested by the second participant; according to the electronic commitment payment certificate opened by the first funds management server, said server freezes funds of the first participant which are equal to the value of the electronic commitment payment certificate; a second funds management server receives the electronic commitment payment certificate, and grants first funds to the second participant which are equal to the value of the electronic commitment payment certificate; according to a remainder borrowing request initiated by the second participant, a third participant grants second funds to the second participant via a thirds funds management server, the total value of the first funds and the second funds being equal to the borrowing value requested by the second participant. The present invention reduces the lending risk for a lender.
Inventors:
ZHANG YI (CN)
Application Number:
PCT/CN2015/080270
Publication Date:
December 08, 2016
Filing Date:
May 29, 2015
Export Citation:
Assignee:
SHENZHEN CIFPAY NETWORK BANK TECH CO LTD (CN)
International Classes:
G06Q40/02
Foreign References:
| CN104915880A | 2015-09-16 | |||
| CN104915884A | 2015-09-16 | |||
| CN101122986A | 2008-02-13 | |||
| CN104376453A | 2015-02-25 | |||
| CN101567071A | 2009-10-28 | |||
| CN104166882A | 2014-11-26 |
Attorney, Agent or Firm:
CHINA WISPRO INTELLECTUAL PROPERTY LLP. (CN)
深圳市威世博知识产权代理事务所（普通合伙） (CN)
深圳市威世博知识产权代理事务所（普通合伙） (CN)
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