CN109035000A - A kind of loan secured method and system, equipment and storage medium based on block chain - Google Patents
A kind of loan secured method and system, equipment and storage medium based on block chain Download PDFInfo
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- CN109035000A CN109035000A CN201810622182.4A CN201810622182A CN109035000A CN 109035000 A CN109035000 A CN 109035000A CN 201810622182 A CN201810622182 A CN 201810622182A CN 109035000 A CN109035000 A CN 109035000A
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- Prior art keywords
- private key
- guarantee
- information
- loaning bill
- fund
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention provides a kind of loan secured method and system based on block chain, equipment and can storage medium, comprising: the vouch-for request information for passing through the first private key signature is sent to underlying mortgage side；The guarantee confirmation message that the underlying mortgage side returns is received, sends the loaning bill solicited message by first private key signature to the first fund side；Guarantee confirmation message by the underlying mortgage side verify the vouch-for request information and confirm assured after generated by the second private key signature, the loaning bill solicited message includes the guarantee confirmation message and bill signed in acknowledgement of debt information；Receive the loaning bill release information that the first fund side returns；The loaning bill release information by the first fund side verify the guarantee confirmation message and confirmation borrowed money after generated by third private key signature.Data signature is recorded on block chain by the present invention in operation by each side, on the one hand improves the accuracy of loan secured, on the other hand also ensures the reliability of loan secured data.
Description
Technical field
The present invention relates to computer information technology field more particularly to a kind of loan secured method based on block chain and it is
System, equipment and storage medium.
Background technique
The contract generated during loan secured at present is mainly stored in fund side, guarantee side among loaning bill side tripartite,
Such case easily occurs in which the case where certain two side joins together to distort contract, causes authentic original data to be unable to get in this way
Reduction, and then damage the interests of wherein certain side.Moreover, if the environmental change of loaning bill side, original guarantee side is unwilling to continue as
Assured that change guarantee side's identity is very difficult in loaning bill side.When fund side's capital turnover difficulty, other fund sides are considered
The factors such as authenticity, the loan repayment capacity of loaning bill side, the guarantee ability of guarantee side of the bill signed in acknowledgement of debt, are not necessarily ready that purchasing fund side is held
The bill signed in acknowledgement of debt, bill signed in acknowledgement of debt circulation is poor.
Summary of the invention
Shortcomings and deficiencies in view of the above problems, are intended to provide a kind of highly reliable, and data are not easy the loan secured distorted
Mode, and readily replaceable guarantor.
In a first aspect, the present invention provides a kind of loan secured methods based on block chain, comprising:
The vouch-for request information for passing through the first private key signature is sent to underlying mortgage side；
The guarantee confirmation message that underlying mortgage side returns is received, sends borrowing by the first private key signature to the first fund side
Money solicited message；Wherein, guarantee confirmation message by underlying mortgage side verify vouch-for request information and confirm assured after pass through
Second private key signature generates, and loaning bill solicited message includes guarantee confirmation message and bill signed in acknowledgement of debt information；
Receive the loaning bill release information of the first fund side return；Loaning bill release information verifies guarantee confirmation by the first fund side
Information and confirmation are generated after being borrowed money by third private key signature.
Further, it is sent to the first fund side and information is repaid by the loaning bill of the first private key signature.
Further, with signature Hash mode by all operation notes in block chain.
Further, loaning bill side and underlying mortgage side pass through e-business certification.
Further, vouch-for request information further includes mortgage information；Mortgage information is according to the mortgage provided to underlying mortgage side
Object generates.
Further, bill signed in acknowledgement of debt information is traded by the first fund side to the second fund side, method further include:
It is sent to the second fund side and information is repaid by the loaning bill of the first private key signature.
Further, further includes:
It receives guarantee replacement request information and is verified；Assure that replacement request information is assured by underlying mortgage side and second
It is signed and is generated to the replacement request for replacing underlying mortgage side by the second guarantee side by the second private key and the 4th private key respectively in side；
After being verified, replacement request is confirmed whether or not: if agreeing to, by the first private key to guarantee replacement request letter
Breath is signed, and is sent to the first fund side for verifying, confirmation and is completed guarantee replacement.
Second aspect, the present invention provides a kind of loan secured systems based on block chain, comprising:
It assures information transmitting unit, is configured to send to underlying mortgage side and be believed by the vouch-for request of the first private key signature
Breath；
It assures information confirmation unit, is configured to receive the guarantee confirmation message that underlying mortgage side returns, to the first fund
Side sends the loaning bill solicited message for passing through the first private key signature；Wherein, guarantee confirmation message is asked by the verifying guarantee of underlying mortgage side
Seek information and confirm assured after generated by the second private key signature, loaning bill solicited message includes the guarantee confirmation message and bill signed in acknowledgement of debt
Information；
Loaning bill confirmation unit is configured to receive the loaning bill release information that the first fund side returns；Loaning bill release information by
First fund side verifying guarantee confirmation message and confirmation are generated after being borrowed money by third private key signature.
Further, system further include: first information transmission unit is configured to send to the first fund side by first
The loaning bill of private key signature repays information.
Further, which further includes the second information transmitting unit, is configured to send to the second fund side by first
The loaning bill of private key signature repays information.
Further, system further include: guarantee replacement unit is configured to receive guarantee replacement request information and be tested
Card；Assure replacement request information by underlying mortgage side and the second guarantee side respectively by the second private key and the 4th private key to by second
The replacement request that guarantee side replaces underlying mortgage side, which is signed, to be generated；
After being verified, replacement request is confirmed whether or not: if agreeing to, by the first private key to guarantee replacement request letter
Breath is signed, and is sent to the first fund side for verifying, confirmation and is completed guarantee replacement.
The third aspect, the present invention also provides a kind of equipment, comprising:
One or more processors；Memory, for storing one or more programs, when one or more programs are by one
Or multiple processors are when executing, so that one or more processors execute the loan secured method that various embodiments of the present invention provide.
Fourth aspect, the present invention also provides a kind of storage mediums, realize that the present invention is each when which is executed by processor
The loan secured method that embodiment provides.
Data signature is recorded on block chain by the present invention in operation by each side, is on the one hand improved guarantee and is borrowed
On the other hand the accuracy of money also ensures the reliability of loan secured data.Further, the present invention passes through block chain network,
Guarantor's replacement is fast and safely carried out, keeps loan secured more convenient effectively.
Detailed description of the invention
Fig. 1 is the flow chart of loan secured method provided by the invention.
Fig. 2 is the scene figure of loan secured method of the present invention.
Fig. 3 is the flow chart of a preferred embodiment of the method for the invention.
Fig. 4 is the flow chart of another preferred embodiment of the method for the invention.
Fig. 5 is the flow chart of another preferred embodiment of the method for the invention.
Fig. 6 is a kind of system structure diagram of the loan secured based on block chain provided by the invention.
Fig. 7 is the system structure diagram of a preferred embodiment provided by the invention.
Fig. 8 is the system structure diagram of a preferred embodiment provided by the invention.
Fig. 9 is the system structure diagram of a preferred embodiment provided by the invention.
Figure 10 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
Specific embodiment
Fig. 1 is a kind of flow chart of the loan secured method based on block chain of the present invention, as shown in Figure 1, comprising:
S1, the vouch-for request information signed by the first private key e is sent to underlying mortgage side C；
S2, the guarantee confirmation message that the underlying mortgage side C is returned is received, sent to the first fund side A by described the
The loaning bill solicited message of one private key e signature；Wherein, the guarantee confirmation message is verified by the underlying mortgage side C, the guarantee
Solicited message and confirmation are generated after being assured by the second private key c signature, and the loaning bill solicited message includes described assures really
Recognize information and bill signed in acknowledgement of debt information；
S3, the loaning bill release information that the first fund side A is returned is received；The loaning bill release information is provided by described first
It is generated after gold side A verifies the guarantee confirmation message and confirmation is borrowed money by third private key a signature.
It is described below with reference to actual scene, as shown in Fig. 2,
S11, borrower E are sent to loan secured system to the vouch-for request information of private key signature,
Vouch-for request information is sent to underlying mortgage side C by S12, the system,
After S13, underlying mortgage side C receive vouch-for request information, which is verified, after confirmation, by private key signature
Guarantee confirmation message be sent to loan secured system,
S14, borrower E borrow money to the first fund side A, issue borrower the first private key e signature by loan secured system
Loaning bill solicited message, include the guarantee confirmation message and bill signed in acknowledgement of debt information that underlying mortgage side C is issued, load in the loaning bill solicited message
The first fund side A will be sent to by the loaning bill solicited message by protecting loaning bill system, and the first fund side A carries out guarantee confirmation message
Audit,
S15, after the approval, will be sent to loan secured system by the loaning bill release information of first fund side's A private key signature
System,
After S16, loan secured system receive loaning bill release information, borrower will be lent accordingly.
Underlying mortgage side C can be the friend of borrower, and people known to colleague etc. is also possible to company, third party guarantees
Mechanism etc..
Loan secured system can send to the first fund side A and repay letter by the loaning bill that borrower E third private key e signs
Breath.
Such as Fig. 3, when the first fund side A is wanted due to financial strain or other reasons by this loan transfers, the first money
The bill signed in acknowledgement of debt information generated by borrower with the first private key e signature that gold side A is held oneself is signed with the third private key a of oneself
It is sent to the second fund side B, the 5th private key b Signature Confirmation after the second fund side B is proved to be successful, loan secured system receives at this time
To after being proved to be successful information, determine the first fund side A by bill signed in acknowledgement of debt information trading to the second fund side B, the second fund side B at this time
The bill signed in acknowledgement of debt that record has bill signed in acknowledgement of debt information is held, loan secured system then sends the second fund side to borrower E and underlying mortgage side C
The relevant information of B, and send to borrow money to the second fund side B and repay information.Since bill signed in acknowledgement of debt information is private by first by borrower E
Key e signature is recorded on block chain, and data safety is reliable, and the second fund side B, which can be trusted, holds the bill signed in acknowledgement of debt, and the borrowing time expires
Afterwards, after borrower refunds, the bill signed in acknowledgement of debt is returned borrower E by loan secured system automatically, this loan transaction ends automatically.Here,
The loan form of first fund side A distribution, can be the currency such as RMB or dollar, is also possible to the clearing with money equivalent value
Token.
Such as Fig. 4, when borrower E wants replacement guarantor, comprising:
S21, it receives guarantee replacement request information and is verified；The guarantee replacement request information is by underlying mortgage side C
Pass through the second private key c and the 4th private key d respectively to the replacement by the second guarantee side D replacement underlying mortgage side C with the second guarantee side D
Ask for an autograph generation；
S21, after being verified, the replacement request is confirmed whether or not: if agreeing to, by first private key to institute
It states guarantee replacement request information to sign, and is sent to the first fund side for verifying, confirmation and completes guarantee replacement.
The process is described in detail below with reference to Fig. 5.As shown in figure 5, borrower E passes through the first private key e of oneself
After signature issues the information of replacement guarantee side, underlying mortgage side C and the second guarantee side D are tested respectively after receiving the information
Card, underlying mortgage side C carry out Signature Confirmation to the information by the second private key c, and the second guarantee side D is by the 4th private key d to this
Information carries out Signature Confirmation, after the completion of confirmation, will confirm that information is sent to the first fund side A, the first fund side A to signature really
Recognize information to be verified, after being verified, carries out Signature Confirmation with third private key a, the replacement of guarantee side is completed, if verifying is obstructed
It crosses, then illustrates that the first fund side A disagrees replacement guarantee side, and third private key a Signature Confirmation.Aforesaid operations record is recorded in
In block chain, data is prevented to be tampered, guarantees the reliability of data.
Referring to Fig. 6, the present invention provides a kind of loan secured system based on block chain, comprising:
It assures information transmitting unit, is configured to send the vouch-for request signed by the first private key e to underlying mortgage side C
Information；
It assures information confirmation unit, is configured to receive the guarantee confirmation message that underlying mortgage side C is returned, to the first fund
Square A sends the loaning bill solicited message by the first private key e signature；Wherein, guarantee confirmation message is verified by underlying mortgage side C and is assured
Solicited message and confirm assured after by the second private key label c generation, loaning bill solicited message include guarantee confirmation message with
Bill signed in acknowledgement of debt information, bill signed in acknowledgement of debt information include but is not limited to debtor information, by debtor information, the amount of money of debt, debt time etc.；
Loaning bill confirmation unit is configured to receive the loaning bill release information that the first fund side A is returned；Loaning bill release information by
First fund side A verifying guarantee confirmation message and confirmation are generated after being borrowed money by third private key a signature.
Fig. 7 is a kind of preferred embodiment structural schematic diagram of system shown in Figure 6, referring to Fig. 7, the loan secured system
Further include:
First information transmission unit is configured to send to the first fund side A through the first private key e signature
It borrows money and repays information.
Fig. 8 is a kind of preferred embodiment structural schematic diagram of system shown in Figure 7, referring to Fig. 8, the loan secured system
Further include:
Second information transmitting unit is configured to send to the second fund side B through the first private key e signature
It borrows money and repays information.
Fig. 9 is another preferred embodiment structural schematic diagram of system shown in Figure 7, referring to Fig. 9, the loan secured system
Further include:
It assures replacement unit, be configured to receive guarantee replacement request information and verified；The guarantee replacement request
Information passes through the second private key c and the 4th private key d by underlying mortgage side C and the second guarantee side D respectively and replaces to by the second guarantee side D
The replacement request of underlying mortgage side C, which is signed, to be generated；
After being verified, the replacement request is confirmed whether or not: if agreeing to, through first private key described in e
Guarantee replacement request information is signed, and is sent to the first fund side A for verifying, confirmation and is completed guarantee replacement.
Referring to Fig.1 0, the present invention also provides a kind of equipment 10, including one or more central processing unit (CPU) 101,
It can be loaded into random access storage according to the program being stored in read-only memory (ROM) 102 or from storage section 108
Program in device (RAM) 103 and execute various movements appropriate and processing.In RAMX03, also it is stored with equipment 10 and operates institute
The various programs and data needed.CPUX01, ROMX02 and RAMX03 are connected with each other by bus 104.Input/output (I/O)
Interface 105 is also connected to bus 104.
I/O interface 105 is connected to lower component: the importation 106 including keyboard, mouse etc.；It is penetrated including such as cathode
The output par, c 107 of spool (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section 108 including hard disk etc.；
And the communications portion 109 of the network interface card including LAN card, modem etc..Communications portion 109 via such as because
The network of spy's net executes communication process.Driver 110 is also connected to I/O interface 105 as needed.Detachable media 111, such as
Disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 110, in order to read from thereon
Computer program be mounted into storage section 108 as needed.
Particularly, in accordance with an embodiment of the present disclosure, the assets method for anti-counterfeit of any of the above-described embodiment description can be implemented
For computer software programs.For example, embodiment of the disclosure includes a kind of computer program product comprising be tangibly embodied in
Computer program on machine readable media, the computer program include the program code for executing assets method for anti-counterfeit.
In such embodiments, which can be downloaded and installed from network by communications portion 109, and/or from
Detachable media 111 is mounted.
As another aspect, the present invention also provides a kind of computer readable storage medium, the computer-readable storage mediums
Matter can be computer readable storage medium included in the device of above-described embodiment；It is also possible to individualism, it is unassembled
Enter the computer readable storage medium in equipment.Computer-readable recording medium storage has one or more than one program, should
Program is used to execute the assets method for anti-counterfeit for being described in the application by one or more than one processor.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use
The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually
It can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depending on related function.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yitong
The dedicated hardware based system of functions or operations as defined in executing is crossed to realize, or by specialized hardware and can be calculated
The combination of machine instruction is realized.
Being described in the embodiment of the present application involved unit or module can be realized by way of software, can also be with
It is realized by way of hardware.Described unit or module also can be set in the processor, for example, each unit can
To be the software program being arranged in computer or intelligent movable equipment, it is also possible to the hardware device being separately configured.Wherein, this
The title of a little units or module does not constitute the restriction to the unit or module itself under certain conditions.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the application design, appointed by above-mentioned technical characteristic or its equivalent feature
Other technical solutions of meaning combination and formation.Such as features described above and (but being not limited to) disclosed herein have similar functions
Technical characteristic replaced mutually and the technical solution that is formed.
Claims (13)
1. a kind of loan secured method based on block chain, characterized by comprising:
The vouch-for request information for passing through the first private key signature is sent to underlying mortgage side；
The guarantee confirmation message that the underlying mortgage side returns is received, is sent to the first fund side and passes through first private key signature
Loaning bill solicited message；Wherein, the guarantee confirmation message verifies the vouch-for request information and true by the underlying mortgage side
Recognize after being assured and generated by the second private key signature, the loaning bill solicited message includes the guarantee confirmation message and bill signed in acknowledgement of debt letter
Breath；
Receive the loaning bill release information that the first fund side returns；The loaning bill release information is verified by the first fund side
The guarantee confirmation message and confirmation are generated after being borrowed money by third private key signature.
2. loan secured method according to claim 1, which is characterized in that further include:
It is sent to the first fund side and information is repaid by the loaning bill of first private key signature.
3. loan secured method according to claim 2, which is characterized in that remembered all operations with the mode of signature Hash
Record is in block chain.
4. -3 any loan secured method according to claim 1, which is characterized in that loaning bill side and the underlying mortgage side
Pass through e-business certification.
5. loan secured method according to claim 4, which is characterized in that the vouch-for request information further includes mortgage letter
Breath；The mortgage information is generated according to the guaranty provided to the underlying mortgage side.
6. loan secured method according to claim 5, which is characterized in that the bill signed in acknowledgement of debt information is by the first fund side
It trades to the second fund side, the method also includes:
It is sent to the second fund side and information is repaid by the loaning bill of first private key signature.
7. -6 any loan secured method according to claim 1, which is characterized in that further include:
It receives guarantee replacement request information and is verified；The guarantee replacement request information is assured by underlying mortgage side and second
It is signed and is generated to the replacement request for replacing underlying mortgage side by the second guarantee side by the second private key and the 4th private key respectively in side；
After being verified, the replacement request is confirmed whether or not: if agreeing to, the guarantee being replaced by first private key
It changes solicited message to sign, and is sent to the first fund side for verifying, confirmation and completes guarantee replacement.
8. a kind of loan secured system based on block chain characterized by comprising
It assures information transmitting unit, is configured to send the vouch-for request information for passing through the first private key signature to underlying mortgage side；
It assures information confirmation unit, is configured to receive the guarantee confirmation message that the underlying mortgage side returns, to the first fund
Side sends the loaning bill solicited message by first private key signature；Wherein, the guarantee confirmation message is by the underlying mortgage
Side's verifying vouch-for request information and confirmation are generated after being assured by the second private key signature, the loaning bill request packet
Include the guarantee confirmation message and bill signed in acknowledgement of debt information；
Loaning bill confirmation unit is configured to receive the loaning bill release information that the first fund side returns；The loaning bill provides letter
Breath by the first fund side verify the guarantee confirmation message and confirmation borrowed money after generated by third private key signature.
9. a kind of loan secured system based on block chain according to claim 8, which is characterized in that further include:
First information transmission unit is configured to send to the first fund side and be repaid by the loaning bill of first private key signature
Also information.
10. a kind of loan secured system based on block chain according to claim 9, which is characterized in that further include:
Second information transmitting unit is configured to send to the second fund side and be repaid by the loaning bill of first private key signature
Also information.
11. according to a kind of any loan secured system based on block chain of claim 8-10, which is characterized in that also wrap
It includes:
It assures replacement unit, be configured to receive guarantee replacement request information and verified；The guarantee replacement request information
Underlying mortgage is replaced to by the second guarantee side by the second private key and the 4th private key respectively by underlying mortgage side and the second guarantee side
The replacement request of side, which is signed, to be generated；
After being verified, the replacement request is confirmed whether or not: if agreeing to, the guarantee being replaced by first private key
It changes solicited message to sign, and is sent to the first fund side for verifying, confirmation and completes guarantee replacement.
12. a kind of equipment, which is characterized in that the equipment includes:
One or more processors；
Memory, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors
Execute such as method of any of claims 1-7.
13. a kind of storage medium for being stored with computer program, which is characterized in that realize when the program is executed by processor as weighed
Benefit requires method described in any one of 1-7.
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| CN201810622182.4A CN109035000A (en) | 2018-06-15 | 2018-06-15 | A kind of loan secured method and system, equipment and storage medium based on block chain |
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| CN201810622182.4A CN109035000A (en) | 2018-06-15 | 2018-06-15 | A kind of loan secured method and system, equipment and storage medium based on block chain |
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| CN113450199A (en) * | 2020-03-25 | 2021-09-28 | 上海欧冶金融信息服务股份有限公司 | System and method for quickly generating electronic guarantee letter |
| CN111582633A (en) * | 2020-03-26 | 2020-08-25 | 天元大数据信用管理有限公司 | Financial security risk supervision method, device and medium based on block chain |
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