Data processing method and system

• US 9,473,588 B2
• Filed: 09/12/2013
• Issued: 10/18/2016
• Est. Priority Date: 09/13/2012
• Status: Active Grant

• Current Assignee: Advanced New Technologies Company Limited (Ant Group Co., Ltd.)
• Original Assignee: Alibaba Group Holding Ltd.
• Inventors: Wang, Kai, Wang, Fang, Wu, Yunchang
• Primary Examiner(s): Cox, Natisha
• Application Number:
  US14/025,664
• Publication Number:
  US 20140074914A1
• Time in Patent Office: 1,132 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: H04L 67/01 Protocols
• CPC Class Codes: H04L 67/53 using third party service providers
• CPC Class Codes: H04L 67/566 Grouping or aggregating service requests, e.g. for unified processing
• CPC Class Codes: H04L 67/60 Scheduling or organising the servicing of application requests, e.g. requests for application data transmissions using the analysis and optimisation of the required network resources admission control or resource allocation H04L47/70

Abstract

The present disclosure provides techniques for data processing. These techniques may transport, by a computing device, individual retrieving requests for second data corresponding to a first client that sends the retrieving requests for first data into the order pool. The computing device may calculate an initial value of a second total amount of the second data, and then notify a platform of a third party to send the corresponding first data to the first client. The computing device may determine corresponding qualification after retrieving requests for the second data in the order pool are changed. The computing device may return third data to a data processing server of the third party in response to qualification determination. These techniques reduce usage of network resource and therefore increase efficacy of the networking.

Claims

1. A method for processing data, comprising:

receiving a retrieving request for a first data from a first client, wherein the retrieving request for the first data is sent from the first client to request a data processing server of a third party to send the first data to the first client, and the first data includes information of a first fund;

acquiring multiple retrieving requests for a second data that are sent to the first client from one or more second clients based on the retrieving request for the first data;

transmitting the multiple retrieving requests for the second data into a request pool;

calculating a second total amount of a second fund associated with the second data in the request pool;

determining whether the second total amount of the second fund is smaller than a threshold value;

sending a verification code to a terminal device corresponding to the first client to request the first client to input the verification code for verification in response to determining that the second total amount of the second fund is not smaller than the threshold value;

or

determining not to require the first client to input the verification code for verification in response to determining that the second total amount of the second fund is smaller than the threshold value;

transmitting a message to a platform of the third party to allow transmission of the first data to the first client based on the second total amount;

removing a certain retrieving request for the second data from the request pool in response to a confirmation that the certain retrieving request is accomplished; and

recalculating the second total amount of the second data in the request pool.

2. The method of claim 1, further comprising:

recording a first total amount of the first data; and

transmitting an additional retrieving request for the second data into the request pool in response to a determination that the second data is acquired.

3. The method of claim 1, further comprising:

returning a certain amount of the first fund to the third party based on a comparison between the second total amount and a first total amount of the first data, wherein a third data including information of the certain amount is sent from the second client to the first client to confirm that the certain retrieving request is accomplished; and

recalculating the first total amount based on the certain amount of the first fund of the first data.

4. The method of claim 1, further comprising:

suspending the retrieving for the first data sent by the first client in response to a determination that the first client is not qualified as being allowed to send the retrieving request for the first data.

5. The method of claim 1, further comprising:

retrieving terminal device information of the terminal device corresponding to the first client;

sending a client identification information corresponding to the first client to a real-name verification database to determine whether the first client is matched with information in the real-name verification database in response to a determination that the first client is not fraudulent based on the terminal device information;

sending verification information to the terminal device corresponding to the first client;

receiving the verification information from the first client; and

determining whether the first client meets the criterion of a safe loan level based on historical behavior recording information of the first client.

6. The method of claim 1, further comprising:

requesting the first client to input signature information in response to a determination that the first client agrees to a predetermined contract requirement;

examining the signature information while the signature information inputted by the first client is received; and

notifying the first client that the predetermined contract requirement is sustained if the examination is passed.

7. The method of claim 1, further comprising:

returning a total of the third data or a part of the third data to a data processing server of the third party if the first fund equals to or is larger than the second fund; and

restraining from returning a third data or a part of the third data to the third party data processing server if the first fund is smaller than the second fund.

8. The method of claim 1, further comprising:

adding an assigned amount in a proportion to a remaining first total amount into the first total amount if a deadline for returning the third data to the data processing server of the third party exceeds a threshold value.

9. The method of claim 1, further comprising:

returning the third data based on a difference of amount between the first total amount and the second total amount to the data processing server of the third party.

10. The method of claim 1, further comprising:

acquiring each retrieving request of the multiple retrieving requests for a second data that is sent to the first client from each of the one or more second clients in response to the retrieving request for the first data; and

placing the each retrieving request for the second data corresponding to a confirmation response of the first client into the request pool.

11. A system comprising:

one or more processors; and

memory to maintain a plurality of components executable by the one or more processors, the plurality of components comprising;

a request receiving module configured to receive a retrieving request for a first data from a first client, wherein the retrieving request for the first data is sent from the first client to request a data processing server of a third party to send the first data to the first client;

a second total amount computation module configured to;

acquire multiple retrieving requests for a second data that are sent to the first client from one or more second clients based on the retrieving request for the first data;

transmit the multiple retrieving requests for the second data into a request pool;

calculate a second total amount of a second fund associated with the second data in the request pool;

determine whether the second total amount of the second fund is smaller than a threshold value; and

send a verification code to a mobile terminal device corresponding to the first client to request the first client to input the verification code for verification in response to determining that the second total amount of the second fund is not smaller than the threshold value;

or

determining not to require the first client to input the verification code for verification in response to determining that the second total amount of the second fund is smaller than the threshold value;

a first total amount computation module configured to transmit a message to a platform of the third party to allow transmission of the first data to the first client based on the second total amount; and

a confirmed request processing module configured to;

remove a certain retrieving request for the second data from the request pool in response to a confirmation that the certain retrieving request is accomplished; and

recalculate the second total amount of the second data in the request pool.

12. The system of claim 11, wherein the plurality of components further comprise a new second data retrieving request processing configured to transmit an additional retrieving request for the second data into the request pool in response to a determination that the second data is acquired, and the first total amount computation module is further configured to record a first total amount of the first data.

13. The system of claim 11, wherein the plurality of components further comprise a comparison determining module configured to:

return a certain amount of the first fund to the third party based on a comparison between the second total amount and a first total amount of the first data, wherein a third data including information of the certain amount is sent from the second client to the first client to confirm that the certain retrieving request is accomplished; and

recalculate the first total amount based on the certain amount of the first fund of the first data.

14. The system of claim 11, wherein the plurality of components further comprise a qualification determining module configured to suspend the retrieving request for the first data sent by the first client in response to a determination that the first client is qualified as being allowed to send the retrieving request for the first data.

15. The system of claim 11, wherein the comparison determining module comprises:

a first determining module configured to return a total of the third data or a part of the third data to a data processing server of the third party if the first fund equals to or is larger than the second fund; and

a second determining module configured to retrain from returning a third data or a part of the third data to the third party data processing server if the first fund is smaller than the second fund.

16. One or more computer-readable media storing computer-executable instructions that, when executed by one or more processors, instruct the one or more processors to perform acts comprising:

receiving a retrieving request for a first data from a first client, wherein the retrieving request for the first data is sent from the first client to request a data processing server of a third party to send the first data to the first client, and the first data includes information of a first fund;

acquiring multiple retrieving requests for a second data that are sent to the first client from one or more second clients based on the retrieving request for the first data;

transmitting the multiple retrieving requests for the second data into a request pool;

calculating a second total amount of a second fund associated with the second data in the request pool;

determining whether the second total amount of the second fund is smaller than a threshold value;

sending a verification code to a terminal device corresponding to the first client to request the first client to input the verification code for verification in response to determining that the second total amount of the second fund is not smaller than the threshold value;

or

determining not to require the first client to input the verification code for verification in response to determining that the second total amount of the second fund is smaller than the threshold value;

transmitting a message to a platform of the third party to allow transmission of the first data to the first client based on the second total amount;

removing a certain retrieving request for the second data from the request pool in response to a confirmation that the certain retrieving request is accomplished; and

recalculating the second total amount of the second data in the request pool.

17. The one or more computer-readable media of claim 16, wherein the acts further comprise:

recording a first total amount of the first data; and

transmitting an additional retrieving request for the second data into the request pool in response to a determination that the second data is acquired.

18. The one or more computer-readable media of claim 16, wherein the acts further comprise:

returning a certain amount of the first fund to the third party based on a comparison between the second total amount and a first total amount of the first data, wherein a third data including information of the certain amount is sent from the second client to the first client to confirm that the certain retrieving request is accomplished; and

recalculating the first total amount based on the certain amount of the first fund of the first data.

19. The one or more computer-readable media of claim 16, wherein the acts further comprise:

suspending the retrieving request for the first data sent by the first client in response to a determination that the first client is qualified as being allowed to send the retrieving request for the first data.

20. The one or more computer-readable media of claim 16, wherein the acts further comprise:

retrieving terminal device information of the terminal device corresponding to the first client;

sending a client identification information corresponding to the first client to a real-name verification database to determine whether the first client is matched with information in the real-name verification database in response to a determination that the first client is not fraudulent based on the terminal device information;

sending verification information to the terminal device corresponding to the first client;

receiving the verification information from the first client; and

determining whether the first client meets the criterion of a safe loan level based on historical behavior recording information of the first client.