CN109325848A - Debt collection method, equipment and computer readable storage medium based on block chain - Google Patents

Debt collection method, equipment and computer readable storage medium based on block chain Download PDF

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Publication number
CN109325848A
CN109325848A CN201811072575.9A CN201811072575A CN109325848A CN 109325848 A CN109325848 A CN 109325848A CN 201811072575 A CN201811072575 A CN 201811072575A CN 109325848 A CN109325848 A CN 109325848A
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China
Prior art keywords
arbitration
block chain
requests
case
notification message
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CN201811072575.9A
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Chinese (zh)
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CN109325848B (en
Inventor
阮泽文
江旻
杨杨
范增虎
万单领
彭言海
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WeBank Co Ltd
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WeBank Co Ltd
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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 invention discloses a kind of debt collection method, equipment and computer readable storage medium based on block chain, the method comprising the steps of: after collection system receives the overdue data of big data platform transmission, detecting whether overdue data meet preset risk rule；If overdue data fit risk rule, overdue user corresponding with overdue data is then obtained from the corresponding block chain node of deposit system deposits card data, and data and overdue data generation arbitration content are demonstrate,proved according to depositing, to trigger requests for arbitration, and requests for arbitration is sent to arbitration system, detect whether that the requests for arbitration for receiving arbitration system transmission corresponds to arbitration case trial and completes, and request for arbitration people is in the first notification message of state of winning a lawsuit；After receiving the first notification message, triggering debt collection request, and execute debt collection request.The present invention reduces the manual intervention in arbitrated procedure, the time-consuming for carrying out loan collection by arbitrating is shortened, is improved by arbitrating the efficiency called in a loan.

Description

Debt collection method, equipment and computer readable storage medium based on block chain
Technical field
The present invention relates to debt collection technical field more particularly to a kind of debt collection method, equipment based on block chain And computer readable storage medium.
Background technique
With the continuous development of internet finance, well develop level from banking, all loan class business is proposed Increasingly higher demands and challenge.Risk management after loan is the important component of the management of credit risk, is prevention and change Solve the important means of credit risk.Law works collection is a stage during recycling loan, and at this stage, recycling can be provided a loan Corresponding case transfers to law works, is taken and is taken action under line to recycle loan by corresponding law works.The one way in which of law works collection is secondary It cuts out, existing arbitration process is based on the principle of tradition " who advocate who put to the proof ", such as submission, material of collecting evidence, material be sent to, It being adjusted before case, appears in court to put to the proof and organize the conventional arbitrations steps such as front yard ruling, mode under the line being substantially away can not automate, and Inefficiency accepts from filing of the award to arbitral court, pays the fees, reconciling, putting to the proof and provide a series of processes of ruling to the end again and get off, Time-consuming (evidence-gathering, proof and document is needed to send), collection inefficiency.
Summary of the invention
The debt collection method that the main purpose of the present invention is to provide a kind of based on block chain, equipment and computer-readable Storage medium, it is intended to the technical issues of solving existing loan collection method time-consuming, collection inefficiency.
To achieve the above object, the present invention provides a kind of debt collection method based on block chain, described to be based on block chain Debt collection method comprising steps of
After collection system receives the overdue data of big data platform transmission, it is pre- whether the detection overdue data meet If risk rule；
If risk rule described in the overdue data fit, acquisition and institute from deposit system corresponding block chain node That states that overdue data correspond to overdue user deposits card data, and deposits card data and the overdue data generate in arbitration according to described Hold；
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, is detected whether The requests for arbitration for receiving arbitration system transmission corresponds to arbitration case trial and completes, and request for arbitration people is in state of winning a lawsuit The first notification message；
After receiving first notification message, triggering debt collection request, and execute the debt collection request.
Preferably, described that requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system System detects whether that the requests for arbitration for receiving arbitration system transmission corresponds to arbitration case trial and completes, and request for arbitration people The step of the first notification message in the state of winning a lawsuit includes:
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, is detected whether Receive the second notification message that the corresponding arbitration case of the requests for arbitration passes through preliminary hearing；
After receiving the second notification message, according to the second notification message determine the arbitration case wait pay It receives arbitration fees, and the arbitration fees to be paid is paid by financial system；
It is described after paying arbitration fees successfully paying, it sends secondary wait pay described in the prompt information prompt arbitration system The expense of sanction is successfully paid, and detects whether that receiving the arbitration case trial that the arbitration system is sent completes, and arbitrate Applicant is in the first notification message of state of winning a lawsuit.
Preferably, described after receiving the second notification message, it is determined according to the second notification message described secondary The arbitration fees to be paid of case are cut out, and the step of paying the arbitration fees to be paid by financial system includes:
After receiving the second notification message, according to the second notification message determine the arbitration case wait pay Receive arbitration fees, and execute the calculating of payment amount of money calculative strategy according to the overdue data to pay arbitration fees；
If the arbitration fees to be paid are consistent with the arbitration fees that need to pay, by the financial system pay it is described to Pay arbitration fees.
Preferably, described after receiving the second notification message, it is determined according to the second notification message wait pay Arbitration fees, and after the step of arbitration fees need to be paid according to the overdue data execution payment amount of money calculative strategy calculating, also wrap It includes:
If the arbitration fees to be paid and the arbitration fees that need to pay are inconsistent, sending confirmation instruction to the arbitration is System, so that whether arbitration system arbitration fees to be paid according to the confirmation confirmation command are correct.
Preferably, the step of debt collection method based on block chain includes:
It closes the detection of state when whether the arbitration case for detecting detection and having been filed on requests for arbitration is in refund and refers to After order, state is closed according to whether the arbitration case that detection instruction detection has been filed on requests for arbitration is in refund；
If detecting, the arbitration case for having been filed on requests for arbitration is in the refund and closes state, triggers revocation and refers to It enables, to have been filed on the arbitration case of requests for arbitration according to cancel an order revocation.
Preferably, described after receiving first notification message, triggering debt collection request, and execute the debt Collection request the step of include:
After receiving first notification message, triggering is freezed to instruct；
By it is described freeze instruction be sent to freezing system, for the freezing system freeze according to instruction freeze described in The property of overdue user.
In addition, to achieve the above object, the debt collection method based on block chain that the present invention also provides a kind of is described to be based on The debt collection method of block chain the following steps are included:
After arbitration system receives the requests for arbitration of collection system transmission, acquisition is corresponding with the requests for arbitration to deposit card Data, and by depositing whether card data are in trusted status described in block chain node verification；
If it is determined that the card data of depositing are in trusted status, then the corresponding arbitration case of the requests for arbitration is stood Case, detects whether the arbitration case tries completion, and in state of winning a lawsuit；
If detecting, the arbitration case trial is completed, and in state of winning a lawsuit, then sends the first notification message to described Collection system so that the collection system triggers debt collection request according to first notification message, and executes the debt Collection request.
Preferably, described to include: by depositing the step of whether card data are in trusted status described in block chain node verification
According to it is described deposit the corresponding Data Identification of card data and extracted in block chain node deposit that demonstrate,prove data corresponding with described First cryptographic Hash, and the second cryptographic Hash is calculated according to the card data of depositing；
If first cryptographic Hash is consistent with second cryptographic Hash, it is determined that the card data of depositing are in trusted status；
If first cryptographic Hash and second cryptographic Hash are inconsistent, it is determined that the card data of depositing are in insincere shape State.
Preferably, described if it is determined that it is described deposit card data be in trusted status, then to the corresponding arbitration of the requests for arbitration Case is put on record, and detects whether the arbitration case tries completion, and is in the step of winning a lawsuit state and is included:
If it is determined that the card data of depositing are in trusted status, then detect whether the corresponding arbitration case of the requests for arbitration leads to Cross preliminary hearing；
If detecting, the arbitration case by preliminary hearing, sends second notification message of the arbitration case by preliminary hearing To the collection system, and it is secondary wait pay to detect whether that the arbitration case correspondence is paid in the success for receiving the transmission of collection system Cut out the success message taken；
If receiving the success message, put on record to the arbitration case, and whether detects the arbitration case Trial is completed, and in state of winning a lawsuit.
In addition, to achieve the above object, the debt collection equipment based on block chain that the present invention also provides a kind of is described to be based on The debt collection equipment of block chain includes memory, processor and is stored on the memory and can transport on the processor The capable debt collection program based on block chain, it is real when the debt collection program based on block chain is executed by the processor Now as described above debt collection method based on block chain the step of.
In addition, to achieve the above object, it is described computer-readable the present invention also provides a kind of computer readable storage medium The debt collection program based on block chain is stored on storage medium, the debt collection program based on block chain is by processor The step of debt collection method based on block chain as described above is realized when execution.
After the present invention passes through user's overdue loan, is judged automatically and whether arbitrated according to risk rule, work as determination After the corresponding overdue data fit risk rule of overdue user, obtain needed in arbitrated procedure deposit card data, according to depositing card number Arbitration content is generated according to overdue data, is sent to arbitration system to trigger requests for arbitration, is receiving arbitration system transmission After requests for arbitration corresponds to arbitration case trial and completes, and request for arbitration people is in the first notification message of state of winning a lawsuit, debt is triggered Business collection request, and execute debt collection request.It realizes during providing a loan collection, is arbitrated by collection system automatic trigger Process reduces the manual intervention in arbitrated procedure, shortens the time-consuming for carrying out loan collection by arbitrating, improves by secondary Cut out the efficiency called in a loan.
Detailed description of the invention
Fig. 1 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to；
Fig. 2 is the flow diagram of the debt collection method first embodiment the present invention is based on block chain；
Fig. 3 is the flow diagram of the debt collection method 3rd embodiment the present invention is based on block chain；
Fig. 4 is the flow diagram of the debt collection method fourth embodiment the present invention is based on block chain.
The embodiments will be further described with reference to the accompanying drawings for the realization, the function and the advantages of the object of the present invention.
Specific embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
As shown in Figure 1, Fig. 1 is the structural schematic diagram for the hardware running environment that the embodiment of the present invention is related to.
It should be noted that the structure that Fig. 1 is the hardware running environment of debt collection equipment that may be based on block chain is shown It is intended to.The embodiment of the present invention can be PC, the terminal devices such as portable computer based on the debt collection equipment of block chain.
As shown in Figure 1, being somebody's turn to do the debt collection equipment based on block chain may include: processor 1001, such as CPU, network Interface 1004, user interface 1003, memory 1005, communication bus 1002.Wherein, communication bus 1002 is for realizing these groups Connection communication between part.User interface 1003 may include display screen (Display), input unit such as keyboard (Keyboard), optional user interface 1003 can also include standard wireline interface and wireless interface.Network interface 1004 is optional May include standard wireline interface and wireless interface (such as WI-FI interface).Memory 1005 can be high speed RAM memory, It is also possible to stable memory (non-volatile memory), such as magnetic disk storage.Memory 1005 optionally may be used also To be independently of the storage device of aforementioned processor 1001.
It will be understood by those skilled in the art that debt collection device structure shown in Fig. 1 based on block chain not structure The restriction of debt collection equipment based on block chain in pairs may include components more more or fewer than diagram, or combine certain A little components or different component layouts.
As shown in Figure 1, as may include that operating system, network are logical in a kind of memory 1005 of computer storage medium Believe module, Subscriber Interface Module SIM and the debt collection program based on block chain.Wherein, operating system is to manage and control to be based on The debt collection device hardware of block chain and the program of software resource support debt collection program based on block chain and other The operation of software or program.
In debt collection equipment based on block chain shown in Fig. 1, collection system and arbitration system may be disposed at and be based on In the debt collection equipment of block chain, when being provided with collection system in the debt collection equipment based on block chain, user interface 1003 for connecting big data platform and arbitration system, carries out data communication with big data platform and arbitration system；When based on area When being provided with arbitration system in the debt collection equipment of block chain, user interface 1003 is for connecting collection system；Network interface 1004 are mainly used for connecting background server, carry out data communication with background server；And processor 1001 can be used for calling The debt collection program based on block chain stored in memory 1005, and execute following operation:
After collection system receives the overdue data of big data platform transmission, it is pre- whether the detection overdue data meet If risk rule；
If risk rule described in the overdue data fit, acquisition and institute from deposit system corresponding block chain node That states that overdue data correspond to overdue user deposits card data, and deposits card data and the overdue data generate in arbitration according to described Hold；
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, is detected whether The requests for arbitration for receiving arbitration system transmission corresponds to arbitration case trial and completes, and request for arbitration people is in state of winning a lawsuit The first notification message；
After receiving first notification message, triggering debt collection request, and execute the debt collection request.
Further, described that requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration System detects whether that the requests for arbitration for receiving arbitration system transmission corresponds to arbitration case trial and completes, and request for arbitration People be in win a lawsuit state the first notification message the step of include:
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, is detected whether Receive the second notification message that the corresponding arbitration case of the requests for arbitration passes through preliminary hearing；
After receiving the second notification message, according to the second notification message determine the arbitration case wait pay It receives arbitration fees, and the arbitration fees to be paid is paid by financial system；
It is described after paying arbitration fees successfully paying, it sends secondary wait pay described in the prompt information prompt arbitration system The expense of sanction is successfully paid, and detects whether that receiving the arbitration case trial that the arbitration system is sent completes, and arbitrate Applicant is in the first notification message of state of winning a lawsuit.
Further, described after receiving the second notification message, according to second notification message determination The arbitration fees to be paid of arbitration case, and the step of paying the arbitration fees to be paid by financial system includes:
After receiving the second notification message, according to the second notification message determine the arbitration case wait pay Receive arbitration fees, and execute the calculating of payment amount of money calculative strategy according to the overdue data to pay arbitration fees；
If the arbitration fees to be paid are consistent with the arbitration fees that need to pay, by the financial system pay it is described to Pay arbitration fees.
Further, described after receiving the second notification message, it is determined according to the second notification message wait pay Receive arbitration fees, and after executing the step of calculating of payment amount of money calculative strategy need to pay arbitration fees according to the overdue data, place Reason device 1001 can be also used for calling the debt collection program based on block chain stored in memory 1005, and execute following step It is rapid:
If the arbitration fees to be paid and the arbitration fees that need to pay are inconsistent, sending confirmation instruction to the arbitration is System, so that whether arbitration system arbitration fees to be paid according to the confirmation confirmation command are correct.
Further, processor 1001 can be also used for that the debt based on block chain stored in memory 1005 is called to urge Program is received, and executes following steps:
It closes the detection of state when whether the arbitration case for detecting detection and having been filed on requests for arbitration is in refund and refers to After order, state is closed according to whether the arbitration case that detection instruction detection has been filed on requests for arbitration is in refund；
If detecting, the arbitration case for having been filed on requests for arbitration is in the refund and closes state, triggers revocation and refers to It enables, to have been filed on the arbitration case of requests for arbitration according to cancel an order revocation.
Further, described after receiving first notification message, triggering debt collection request, and execute the debt Business collection request the step of include:
After receiving first notification message, triggering is freezed to instruct；
By it is described freeze instruction be sent to freezing system, for the freezing system freeze according to instruction freeze described in The property of overdue user.
Further, processor 1001 can be also used for that the debt based on block chain stored in memory 1005 is called to urge Program is received, and executes following steps:
After arbitration system receives the requests for arbitration of collection system transmission, acquisition is corresponding with the requests for arbitration to deposit card Data, and by depositing whether card data are in trusted status described in block chain node verification；
If it is determined that the card data of depositing are in trusted status, then the corresponding arbitration case of the requests for arbitration is stood Case, detects whether the arbitration case tries completion, and in state of winning a lawsuit；
If detecting, the arbitration case trial is completed, and in state of winning a lawsuit, then sends the first notification message to described Collection system so that the collection system triggers debt collection request according to first notification message, and executes the debt Collection request.
Further, described by depositing the step of whether card data are in trusted status packet described in block chain node verification It includes:
According to it is described deposit the corresponding Data Identification of card data and extracted in block chain node deposit that demonstrate,prove data corresponding with described First cryptographic Hash, and the second cryptographic Hash is calculated according to the card data of depositing；
If first cryptographic Hash is consistent with second cryptographic Hash, it is determined that the card data of depositing are in trusted status；
If first cryptographic Hash and second cryptographic Hash are inconsistent, it is determined that the card data of depositing are in insincere shape State.
Further, described if it is determined that it is described deposit card data be in trusted status, then it is corresponding to the requests for arbitration secondary It cuts out case to put on record, detects whether the arbitration case tries completion, and be in the step of winning a lawsuit state and include:
If it is determined that the card data of depositing are in trusted status, then detect whether the corresponding arbitration case of the requests for arbitration leads to Cross preliminary hearing；
If detecting, the arbitration case by preliminary hearing, sends second notification message of the arbitration case by preliminary hearing To the collection system, and it is secondary wait pay to detect whether that the arbitration case correspondence is paid in the success for receiving the transmission of collection system Cut out the success message taken；
If receiving the success message, put on record to the arbitration case, and whether detects the arbitration case Trial is completed, and in state of winning a lawsuit.
Based on above-mentioned structure, each embodiment of the debt collection method based on block chain is proposed.
It is that the present invention is based on the flow diagrams of the debt collection method first embodiment of block chain referring to Fig. 2, Fig. 2.
The embodiment of the invention provides the embodiments of the debt collection method based on block chain, it should be noted that although Logical order is shown in flow charts, but in some cases, can be executed with the sequence for being different from herein it is shown or The step of description.
Debt collection method based on block chain is applied in server or terminal, terminal may include such as mobile phone, Tablet computer, laptop, palm PC, personal digital assistant (Personal Digital Assistant, PDA), machine The fixed terminals such as the mobile terminals such as device people, and number TV, desktop computer.Debt collection method based on block chain In each embodiment, for ease of description, omits executing subject and be illustrated each embodiment.Debt collection based on block chain Method includes:
Step S10, after collection system receives the overdue data of big data platform transmission, detecting the overdue data is It is no to meet preset risk rule.
Big data platform can periodically obtain the overdue information of overdue user in loan system, and be calculated according to overdue information Delayed repayment interest after the overdue user is overdue out.It should be noted that the calculation of delayed repayment interest is overdue user and corresponding machine What structure consulted during loan, such as the practical overdue number of days of the overdue interest rate * of delayed repayment interest=capital *.In overdue information, packet Include that user's loan principal, loan interest rate, overdue interest rate, duration of providing a loan, refunding the date and represents the identity of overdue user identity Information etc..It is understood that when loan system is before the date of refunding reaches, if user does not repay corresponding loan, loan System then can determine that user is overdue.
After big data platform calculates delayed repayment interest, big data platform is using delayed repayment interest and overdue information as overdue number According to being sent to collection system.After collection system receives the overdue data of big data platform transmission, detecting the overdue data is It is no to meet preset risk rule.It should be noted that risk rule is stored in advance in collection system.For overdue user The difference of type, settable different risk rule, if overdue user is enterprise, then corresponding risk rule may be configured as: The organization mechanism code of overdue user is judged whether in the blacklist of industrial and commercial system, if the organization mechanism code of the overdue user In the blacklist of industrial and commercial system, then it can determine overdue data fit risk rule；If the organization mechanism code of overdue user is not In the blacklist of industrial and commercial system, then it can determine that overdue data do not meet risk rule.If overdue user is individual, corresponding Risk rule may be configured as: the ID card No. and/or telephone number for judging overdue user whether in the blacklist prestored, if The ID card No. and/or telephone number of the overdue user then can determine overdue data fit risk in the blacklist prestored Rule；If the ID card No. and/or telephone number of overdue user do not exist in the blacklist prestored, it can determine overdue data Do not meet risk rule.
As corresponding risk rule may also be configured to: judging capital to be gone back, generation also interest and the delayed repayment interest of overdue user The sum of, it is denoted as the amount of money to be gone back, judges whether the amount of money to be gone back is more than or equal to preset cost, if the amount of money to be gone back is more than or equal to Preset cost then can determine the preset risk rule of overdue data fit；If the amount of money to be gone back is less than preset cost, it can determine and exceed Issue evidence does not meet preset risk rule.The duration it is understood that interest to be gone back=capital to be gone back * loan interest rate * provides a loan, Preset cost is arranged according to specific needs, is not particularly limited in the present embodiment.
Step S20, if risk rule described in the overdue data fit, from the corresponding block chain node of deposit system Obtain that the overdue data correspond to overdue user deposits card data, and according to it is described deposit card data and the overdue data generate it is secondary Cut out content.
If detecting overdue data fit risk rule, overdue number is obtained from the corresponding block chain node of deposit system Card data are deposited according to the overdue user of correspondence.Deposit system is the corresponding system of Cun Zheng mechanism, and Cun Zheng mechanism is that electronic data deposits pipe Person provides telephonograph and saves from damage, and webpage is saved from damage, and the electronics such as original picture protection deposit card service.In the corresponding block of deposit system It in chain node, has been stored in advance that different user is corresponding to deposit card data, has deposited during card data include but is not limited to user's loan The letter of commitment during data and loan when the treaty documents signed, repayment schedule table, loan in brush face verification process Deng.It can be with testifying in arbitrated procedure it is understood that depositing card data.It should be noted that in deposit system, it is different User corresponds to different accounts, therefore, can be in the corresponding block chain node of deposit system by the corresponding account of overdue user Obtain the overdue user deposits card data.It further, can also be by the corresponding identity information of overdue user in deposit system pair Obtained in the block chain node answered and deposit card data, such as by the corresponding ID card No. of overdue user or organization mechanism code from It is obtained in the corresponding block chain node of deposit system and deposits card data.
It is understood that can obtain overdue user in real time deposits card data, realizes arbitration by docking deposit system Automatic evidence-collecting in the process.
When collection system get overdue user deposit card data after, collection system according to deposit card data and overdue data give birth to At arbitration content.It uses, can be determined according to overdue data it should be noted that depositing card data and can be used as evidence in arbitrated procedure The amount of money to be gone back that overdue user should repay.It further include request for arbitration people, request for arbitration people address, arbitration quilt in overdue data The arbitration cases information needed such as applicant, arbitration defending party to the application address.It is understood that request for arbitration artificially with overdue user In the presence of the user of loan relationship, i.e., the fund of overdue user is to borrow to take from request for arbitration people, and the arbitration defending party to the application is overdue User.
Further, if overdue data do not meet risk rule, collection system generates warning information, and by warning information It is sent to overdue user, to prompt overdue user to pay off institute's monetary allowance volume as early as possible according to the warning information.
Step S30 triggers requests for arbitration according to the arbitration content, and the requests for arbitration is sent to arbitration system, Detect whether that receiving the requests for arbitration that the arbitration system is sent corresponds to arbitration case trial completion, and request for arbitration people The first notification message in the state of winning a lawsuit.
After collection system determines arbitration content, that is, determine that collection system is according to arbitration in arbitrated procedure after required content Content trigger requests for arbitration, and requests for arbitration is sent to arbitration system, detect whether the arbitration for receiving arbitration system transmission Corresponding arbitration case trial is requested to be completed, and request for arbitration people is in the first notification message of state of winning a lawsuit.Arbitration system is secondary The corresponding system of mechanism is cut out, arbitration organ refers to be set up according to legal provisions, and in accordance with the law to the natural person of equal party, Fa Renhe The tissue that the contractual dispute occurred between its hetero-organization and the dispute of other interests in property are technically arbitrated.
Further, after triggering requests for arbitration, arbitration content can be shown in the display interface of collection system, for right The auditor answered audit the arbitration content whether mistake, and track the requests for arbitration.
Step S40, after receiving first notification message, triggering debt collection request, and execute the debt and urge Receive request.
After collection system receives the first notification message of arbitration system transmission, collection system trigger debt collection is asked It asks, and executes debt collection request.
Further, step S40 further include:
Step A, after receiving first notification message, triggering is freezed to instruct.
Step B, by it is described freeze instruction be sent to freezing system, for the freezing system freeze according to instruction jelly Tie the property of the overdue user.
Specifically, after collection system receives the first notification message, triggering is freezed to instruct, this is freezed instruction and is sent to Freezing system.After freezing system, which receives this, freezes instruction, freezing system exports prompt information, to be mentioned according to the prompt information Show that corresponding staff freezes the property of overdue user.Specifically, during freezing overdue user's property, only freeze specific The property of value, which, which corresponds to the amount of money=amount of money-to be gone back, can transfer the amount of money.Further, collection system can also connect After receiving the first notification message, prompting message is generated, which is sent to overdue use in a manner of short message or mail etc. In the held terminal in family, or triggering call instruction, to be made a phone call according to call instruction to overdue user, to remind overdue use Family needs the amount of money to be gone back repaid.
Further, step S40 includes:
Step a, after receiving first notification message, the bank account of the detection overdue user whether there is can Transfer the amount of money.
Step b, if the bank account can transfer whether the amount of money is greater than or waits described in judgement in the presence of that can transfer the amount of money The corresponding amount of money is requested in the debt collection.
Specifically, after collection system receives the first notification message, the bank account of the overdue user of collection system detection With the presence or absence of the amount of money can be transferred.Wherein, when there are remaining sums in the bank account of overdue user, and the remaining sum is not in frozen state When, determine that the bank account presence of overdue user can transfer the amount of money.When collection system determines that the bank account of overdue user exists After the amount of money being transferred, collection system judges to transfer whether the amount of money is more than or equal to debt collection request pair in bank account Answer the amount of money.It should be noted that debt collection requests the corresponding amount of money that can only include the amount of money to be gone back that overdue user should repay, it can also Including the amount of money to be gone back and arbitration fee.
Step c, if the amount of money of transferring requests to correspond to the amount of money more than or equal to the debt collection, in the silver The amount of money corresponding with the debt collection request is transferred in row account.
Step d is transferring bank's account if the amount of money of transferring requests to correspond to the amount of money less than the debt collection The amount of money is transferred in family, and triggers and freezes to instruct.
Step e, by it is described freeze instruction be sent to freezing system, for the freezing system freeze according to instruction jelly Tie the property of the overdue user.
The corresponding amount of money is requested more than or equal to debt collection if it is determined that the amount of money can be transferred, collection system is then in overdue user Bank account in transfer the amount of money corresponding with debt collection request, request the corresponding amount of money from bank account debt collection In transfer into the corresponding account of request for arbitration people.The corresponding amount of money, collection are requested less than debt collection if it is determined that the amount of money can be transferred System then transfers the amount of money of transferring in bank account into request for arbitration people's corresponding account, and triggers and freeze to instruct, by this Freeze instruction and is sent to freezing system.After freezing system, which receives this, freezes instruction, freezing system exports prompt information, with root Corresponding staff is prompted to freeze the property of overdue user according to the prompt information.
Further, if detecting, not in the presence of that can transfer the amount of money in the bank account of overdue user, collection system can be direct Triggering is freezed to instruct, or sends committee's external instruction to the third party system of connection.After third party system receives committee's external instruction, Third party system exports notification message according to committee's external instruction, to notify corresponding staff from overdue according to the notification message Debt collection is taken in user requests the corresponding amount of money.
After the present embodiment passes through user's overdue loan, is judged automatically and whether arbitrated according to risk rule, when true After determining the corresponding overdue data fit risk rule of overdue user, what is needed in acquisition arbitrated procedure deposits card data, demonstrate,proves according to depositing Data and overdue data generate arbitration content, are sent to arbitration system to trigger requests for arbitration, send receiving arbitration system Requests for arbitration correspond to arbitration case trial complete, and request for arbitration people be in win a lawsuit state the first notification message after, triggering Debt collection request, and execute debt collection request.It realizes during providing a loan collection, it is secondary by collection system automatic trigger Process is cut out, the manual intervention in arbitrated procedure is reduced, the time-consuming for carrying out loan collection by arbitrating is shortened, improves and pass through Arbitrate the efficiency called in a loan.
Further, propose that the present invention is based on the debt collection method second embodiments of block chain.
The debt collection method second embodiment based on block chain and the debt collection method based on block chain The difference of first embodiment is that step S30 includes:
Step f triggers requests for arbitration according to the arbitration content, and the requests for arbitration is sent to arbitration system, examines It surveys and whether receives the second notification message that the corresponding arbitration case of the requests for arbitration passes through preliminary hearing.
After collection system determines arbitration content, collection system triggers requests for arbitration according to arbitration content, and arbitration is asked It asks and is sent to arbitration system.After requests for arbitration is sent to arbitration system by collection system, whether collection system detection is received The second notification message that the corresponding arbitration case of requests for arbitration passes through preliminary hearing.After arbitration system receives requests for arbitration, arbitration System generates arbitration case according to the requests for arbitration, and carries out preliminary hearing to the arbitration case.The mistake of preliminary hearing is carried out to arbitration case Journey are as follows: arbitration system exports prompt information, to prompt whether arbitration staff audits the arbitration case according to the prompt information Meet condition for filing a case.After arbitration organ detects the confirmation instruction that arbitration staff triggers in its display interface, arbitration System is instructed according to the confirmation determines that arbitration case meets condition for filing a case, at this point, arbitration system triggering arbitration case passes through preliminary hearing Second notification message, and second notification message is sent to collection system.
Step g determines the arbitration case according to the second notification message after receiving the second notification message Arbitration fees to be paid, and the arbitration fees to be paid are paid by financial system.
After collection system receives the second notification message of arbitration system transmission, collection system is according to second notification message It determines the arbitration fees to be paid of arbitration case, and sends and pay instruction to financial system.Instruction is paid when financial system receives Afterwards, instruction is paid according to this and draws corresponding with arbitration fees the to be paid amount of money of button to arbitration system from request for arbitration people's corresponding account, with Pay arbitration fees to be paid.It should be noted that carry arbitration fees to be paid in second notification message and correspond to the amount of money, because This, can determine arbitration fees to be paid by second notification message.
Further, in order to guarantee to pay the safeties of arbitration fees to be paid, financial system is according to paying instruction from secondary During applicant's corresponding account stroke button amount of money corresponding with arbitration fees to be paid is cut out to arbitration system, financial system can first export careful Core prompt information, to prompt corresponding financial staff's audit should arbitration fees be paid according to the audit prompt information.When finance are After system detects the confirmation instruction that financial staff triggers in its display interface, just basis pays instruction from arbitration Shen to financial system The corresponding account stroke button amount of money corresponding with arbitration fees to be paid ask someone to arbitration system.
Further, if collection system does not receive the corresponding arbitration case of requests for arbitration before the deadline and passes through in advance Careful second notification message, collection system then can determine that the arbitration case does not meet condition for filing a case, at this point, can modify in arbitration Hold, regenerates requests for arbitration.
Step h, it is described after paying arbitration fees successfully paying, send prompt information prompt described in the arbitration system to It pays arbitration fees successfully to pay, and detects whether that receiving the arbitration case trial that the arbitration system is sent completes, And request for arbitration people is in the first notification message of state of winning a lawsuit.
It is successfully paid after paying arbitration fees when collection system determines, collection system generates prompt information, and will be prompted to letter Breath is sent to arbitration system, after arbitration system receives prompt information, has determined arbitration fees to be paid according to the prompt information Success is paid, arbitration system, which enters arbitration case, puts on record and accept the stage.After arbitration system has tried the arbitration case, in determination After request for arbitration people is in state of winning a lawsuit, arbitration system sends arbitration case trial and completes, and request for arbitration people is in shape of winning a lawsuit First notification message of state gives collection system.
Further, when collection system determines that financial system is paid not successfully after paying arbitration fees, financial system can be prompted System pays arbitration fees to be paid again, to improve the success rate that arbitration fees to be paid are paid.Further, when arbitration case is tried After the completion, however, it is determined that request for arbitration people is in state of losing a lawsuit, and arbitration structure can be transmitted arbitration case trial and complete, and request for arbitration The notification message that people is in state of losing a lawsuit gives collection system, to prompt collection system arbitrament applicant to be in state of losing a lawsuit.
Further, for the accuracy of determining arbitration fees to be paid, step g includes:
Step g1 determines the arbitration case according to the second notification message after receiving the second notification message The arbitration fees to be paid of part, and arbitration fees need to be paid according to the overdue data execution payment amount of money calculative strategy calculating.
After collection system receives second notification message, collection system determines arbitration case according to second notification message Arbitration fees to be paid, and arbitration fees need to be paid according to the execution payment amount of money calculative strategy calculating of overdue data.It should be noted that Payment amount of money calculative strategy be it is pre-stored, arbitration fees to be paid are determined according to the corresponding amount of money of arbitration case, therefore, Can be calculated according to the amount of money to be gone back in overdue data need to pay arbitration fees.After arbitration fees need to be paid by calculating, collection system System judge arbitration fees to be paid with whether need to pay arbitration fees consistent.
Step g2 is paid if the arbitration fees to be paid are consistent with the arbitration fees that need to pay by the financial system Arbitration fees to be paid described in receiving.
Further, the debt collection method based on block chain further include:
Step i sends confirmation instruction to described if the arbitration fees to be paid and the arbitration fees that need to pay are inconsistent Arbitration system, so that whether arbitration system arbitration fees to be paid according to the confirmation confirmation command are correct.
If arbitration fees to be paid are consistent with that need to pay arbitration fees, collection system passes through financial system and pays wait pay arbitration Take.If arbitration fees to be paid and need to pay arbitration fees inconsistent, collection system sends expense confirmation instruction to arbitration system.When After arbitration system receives expense confirmation instruction, confirm whether confirmation command arbitration fees to be paid are correct according to the expense.When Arbitration system determine wait pay arbitration fees it is incorrect when, transmittable third notice message gives collection system, according to third notice The correct arbitration fees to be paid of message informing collection system.When arbitration system determine wait pay arbitration fees it is correct when, arbitration system It sends correct confirmation instruction and gives collection system, with errorless according to correct confirmation command prompt collection system arbitration fees to be paid.
The present embodiment is by leading to when receiving second notification message of the corresponding arbitration case of requests for arbitration by preliminary hearing It crosses financial system and pays arbitration fees to be paid, determining that financial system successfully pays after paying arbitration fees, sending prompt information Prompt arbitration system arbitration fees to be paid successfully are paid, are realized and are paid arbitration fees automatically, are improved through arbitration collection Efficiency.
Further, propose that the present invention is based on the debt collection method 3rd embodiments of block chain.
The debt collection method 3rd embodiment based on block chain and the debt collection method based on block chain The difference of second embodiment is, referring to Fig. 3, the debt collection method based on block chain further include:
Step S50, when whether the arbitration case for detecting detection and having been filed on requests for arbitration is in refund and closes state Detection instruction after, whether be in refund according to the arbitration case that detection instruction detection has been filed on requests for arbitration and close State.
When whether collection systems scan to the arbitration case that detection has been filed on requests for arbitration is in the inspection for state of closing of refunding After surveying instruction, collection system closes shape according to whether the arbitration case that detection instruction detection has been filed on requests for arbitration is in refund State.Wherein, detection instruction is triggered by the timed task pre-set in collection system, such as can be at 5 o'clock of every afternoon Detection trigger instruction.When arbitration case, which is in refund, closes state, show to arbitrate the defending party to the application by deficient request for arbitration people's The amount of money to be gone back returns request for arbitration people.
Step S60, if detecting, the arbitration case for having been filed on requests for arbitration is in the refund and closes state, touches Cancel an order is sent out, to have been filed on the arbitration case of requests for arbitration according to cancel an order revocation.
If detecting that the arbitration case for having been filed on requests for arbitration is in refund closes state, collection system triggers revocation and refers to It enables, which is sent to arbitration system, to have been filed on the arbitration case of requests for arbitration according to cancel an order revocation.When After arbitration system receives cancel an order, arbitration system has been filed on the arbitration case of requests for arbitration according to cancel an order revocation. Further, if detecting, the arbitration case for having been filed on requests for arbitration is not in refund and closes state, sends and continues trial Prompt information is to arbitration system, so that arbitration structure continues to try the arbitration case according to the prompt information for continuing trial, and It is automatic to execute case status tracking.
The present embodiment is by the way that when detecting that the arbitration case for having been filed on requests for arbitration closes state in refund, triggering is removed Pin instruction avoids arbitration system from also trying the arbitration to have been filed on the arbitration case of requests for arbitration according to cancel an order revocation Case wastes the resource of arbitration system, improves the efficiency of arbitration case audit, realizes the automation of arbitration case.
Further, propose that the present invention is based on the debt collection method fourth embodiments of block chain.
The debt collection method fourth embodiment based on block chain and the debt collection method based on block chain The difference of first, second or third embodiment is, referring to Fig. 4, the debt collection method based on block chain further include:
Step S70 is obtained and the requests for arbitration pair after arbitration system receives the requests for arbitration of collection system transmission That answers deposits card data, and by depositing whether card data are in trusted status described in block chain node verification.
After arbitration system receives the requests for arbitration of collection system transmission, arbitration system obtains corresponding with requests for arbitration Card data are deposited, and this deposits whether card data are in trusted status by corresponding block chain node verification.It needs to illustrate Card data that be that trusted status is corresponding deposit generate in the link of providing a loan such as open an account, borrow money, and can not distort.Collection system is being sent out Send requests for arbitration to arbitration system during, will deposit card data carrying arbitration system is sent jointly in requests for arbitration.This reality Applying the block chain node in example and the block chain node in first embodiment can be the same block chain node, can also be different Block chain node.When the two block chain nodes are different block chain nodes, each block chain node can realize that data are total It enjoys.
Further, in the present embodiment, collection system can first send requests for arbitration to and collection system and arbitration organ In the terminal of connection, after the terminal receives requests for arbitration, authentication request is sent to arbitration system.When arbitration system receives After authentication request, arbitration system verifies whether the terminal has permission transmission requests for arbitration to arbitration system according to the authentication request. Specifically, after arbitration system receives authentication request, account and password in authentication request are extracted, if arbitration system detects it Identical with the account and password account and password are stored in database, arbitration system is then determined through authentication, send authenticate at The notification message of function is to terminal.After terminal, which receives, authenticates successful notification message, requests for arbitration is sent to arbitration system.
Further, include: by depositing the step of whether card data are in trusted status described in block chain node verification
Step j is extracted in block chain node according to the corresponding Data Identification of card data of depositing and described is deposited card data Corresponding first cryptographic Hash, and the second cryptographic Hash is calculated according to the card data of depositing.
Step k, if first cryptographic Hash is consistent with second cryptographic Hash, it is determined that the card data of depositing are in credible State.
Step l, if first cryptographic Hash and second cryptographic Hash are inconsistent, it is determined that the card data of depositing are in not Trusted status.
Specifically, the mistake whether card data are in trusted status is deposited by block chain node verification corresponding with arbitration system Journey are as follows: the corresponding Data Identification of card data is deposited in arbitration system acquisition, and according to the Data Identification in its corresponding block chain node Middle extraction the first cryptographic Hash corresponding with card data are deposited.It should be noted that the card data of depositing of each overdue user all exist pair The Data Identification answered deposits card data by what the Data Identification can uniquely determine overdue user.It is deposited when arbitration system is got After demonstrate,proving data, the acquired cryptographic Hash for depositing card data is calculated, the second cryptographic Hash is denoted as.When arbitration system obtains the first cryptographic Hash After the second cryptographic Hash, judge whether the first cryptographic Hash is consistent with the second cryptographic Hash.It is understood that when the first cryptographic Hash with When second cryptographic Hash is identical, that is, it can determine that the first cryptographic Hash is consistent with the second cryptographic Hash.When arbitration system determines the first cryptographic Hash When consistent with the second cryptographic Hash, arbitration system determines that depositing card data is in trusted status；When arbitration system determines the first cryptographic Hash When inconsistent with the second cryptographic Hash, arbitration system determines that depositing card data is in insincere state.
Step S80, however, it is determined that the card data of depositing are in trusted status, then to the corresponding arbitration case of the requests for arbitration It puts on record, detects whether the arbitration case tries completion, and in state of winning a lawsuit.
After arbitration system determines that depositing card data is in trusted status, arbitration system carries out the corresponding case of requests for arbitration It puts on record, and detects whether arbitration case tries completion, and in state of winning a lawsuit.It should be noted that being tried to arbitration case In the process, the arbitration defending party to the application can be replied by arbitration system on the net, and the arbitration personnel of arbitration organ can also form on the net Arbitral court, change certification evidence can be submitted in network by arbitrating the defending party to the application and request for arbitration people, be carried out on the net to the cross-examination of evidence, Yi Ji Arbitration case is tried on network, arbitral court can make arbitral award on network, network it is enterprising style of writing book reception and registration, It avoids and posts document under line, improve the trial efficiency of arbitration case, further improve collection cure rate, and reduce Non-performing asset rate.Wherein, collection cure rate is during collection, and overdue user refunds and closes case, accounts for the ratio of collection case Example；Non-performing asset rate refers to that non-performing asset accounts for the ratio of total assets.The non-performing asset of enterprise refers to the still untreated money of enterprise It produces net loss and hidden loss (fund) to sell on credit, and should mention by financial and accounting rules regulation and not mention all kinds of of depreciated assets reserves and ask Inscribe the assets prospective damage amount of money.
Further, step S80 includes:
Step m, however, it is determined that the card data of depositing are in trusted status, then detect the corresponding arbitration case of the requests for arbitration Whether preliminary hearing is passed through.
Specifically, after arbitration system determines that depositing card data is in trusted status, arbitration system is corresponding by requests for arbitration Arbitration content is shown in its display interface, audits whether the arbitration content meets arbitration so that arbitration system corresponds to preliminary hearing personnel The condition for filing a case of case.After preliminary hearing personnel determine that the arbitration content meets the condition for filing a case of arbitration case, preliminary hearing personnel are secondary What triggering preliminary hearing passed through in the display interface of sanction system passes through instruction.It is logical according to this after arbitration system is detected through instruction It crosses instruction and determines that arbitration case passes through preliminary hearing.When preliminary hearing personnel determine that arbitration content does not meet the condition for filing a case of arbitration case, Preliminary hearing personnel trigger that preliminary hearing is unsanctioned not to pass through instruction in the display interface of arbitration system.Do not lead to when arbitration system detects After crossing instruction, arbitration system does not pass through instruction according to this and determines that arbitration case does not pass through preliminary hearing.
Step n, if detecting the arbitration case by preliminary hearing, send the arbitration case by preliminary hearing second is logical Know message to the collection system, and detect whether the success for receiving the transmission of collection system pay the arbitration case it is corresponding to Pay the success message of arbitration fees.
If arbitration system detects arbitration case by preliminary hearing, arbitration system generates second that arbitration case passes through preliminary hearing Notification message, and second notification message is sent to collection system, and detect whether that the success for receiving the transmission of collection system is paid The success message of the corresponding arbitration fees to be paid of arbitration case of receiving.
Step o puts on record to the arbitration case if receiving the success message, and detects the arbitration case Whether part tries completion, and in state of winning a lawsuit.
When arbitration system receive collection system transmission after paying the success message that arbitration fees are successfully paid, arbitration system System puts on record to arbitration case, and as arbitration case distributes corresponding case number, and detects whether arbitration case tries completion, And it wins a lawsuit state in request for arbitration people.Wherein, after arbitration system puts on record to arbitration case, it can generate to put on record and accept notice Book, and generated put on record is accepted notice and be sent to collection system, it is put on record for collection system according to this and accepts notice It determines that arbitration case is put on record by arbitration system to accept.In the present embodiment, when the corresponding arbitrator of arbitration system has tried this After arbitration case, arbitrator can modify the trial state of the arbitration case in arbitration system.It should be noted that working as arbitrator After the trial state for modifying arbitration case in arbitration system, arbitration system can be arbitration according to the information determination that arbitrator inputs Applicant wins a lawsuit, or the arbitration defending party to the application wins a lawsuit.
Step S90, if detecting, the arbitration case trial is completed, and in state of winning a lawsuit, is then sent the first notice and disappeared It ceases to the collection system, so that the collection system triggers debt collection request according to first notification message, and executes The debt collection request.
If arbitration system is tried according to trial state-detection to arbitration case and completed, and request for arbitration people is in shape of winning a lawsuit State, arbitration system then generate the first notification message, the first notification message are sent to collection system, according to the first notification message Notice collection system arbitrament case has tried completion, and request for arbitration people is in state of winning a lawsuit.When collection system receives first After notification message, debt collection request is triggered according to the first notification message, and execute debt collection request.It should be noted that There are corresponding status indicators for trial state, such as when status indicator is " 11 ", show that arbitration case trial is completed, and arbitrate Shen It asks someone to win a lawsuit；When status indicator is " 10 ", show that arbitration case trial is completed, and arbitrate the defending party to the application and win a lawsuit；When state mark When knowledge is " 00 ", show that arbitration case does not try completion, and arbitrate the defending party to the application and win a lawsuit；When status indicator is " 01 ", show Arbitration case does not try completion, and request for arbitration people wins a lawsuit.
The present embodiment after receiving requests for arbitration, is corresponded to by arbitration system by block chain node verification requests for arbitration Deposit card data whether be in trusted status, only determine deposit card data be in trusted status when, just to requests for arbitration correspondence Arbitration case carry out trial of putting on record, improve arbitration system trial arbitration case during, deposit card data correctness, improve The accuracy of arbitration case trial.
In addition, the embodiment of the present invention also proposes a kind of computer readable storage medium, the computer readable storage medium On be stored with the debt collection program based on block chain, it is real when the debt collection program based on block chain is executed by processor Now the step of debt collection method of block chain as described above.
Computer readable storage medium specific embodiment of the present invention and the above-mentioned debt collection method based on block chain are each Embodiment is essentially identical, and details are not described herein.
It should be noted that, in this document, the terms "include", "comprise" or its any other variant are intended to non-row His property includes, so that the process, method, article or the device that include a series of elements not only include those elements, and And further include other elements that are not explicitly listed, or further include for this process, method, article or device institute it is intrinsic Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including being somebody's turn to do There is also other identical elements in the process, method of element, article or device.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art The part contributed out can be embodied in the form of software products, which is stored in a storage medium In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills Art field, is included within the scope of the present invention.

Claims (11)

1. a kind of debt collection method based on block chain, which is characterized in that the debt collection method packet based on block chain Include following steps:
After collection system receives the overdue data of big data platform transmission, it is preset whether the detection overdue data meet Risk rule；
If risk rule described in the overdue data fit, obtains from the corresponding block chain node of deposit system and exceed with described Issue deposits card data according to the overdue user's of correspondence, and deposits card data and the overdue data generation arbitration content according to described；
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, detects whether to receive The requests for arbitration sent to arbitration system correspond to arbitration case trial and completes, and request for arbitration people in state of winning a lawsuit the One notification message；
After receiving first notification message, triggering debt collection request, and execute the debt collection request.
2. the debt collection method based on block chain as described in claim 1, which is characterized in that described according in the arbitration Hold triggering requests for arbitration, and the requests for arbitration is sent to arbitration system, detects whether the institute for receiving arbitration system transmission It states requests for arbitration and corresponds to arbitration case trial completion, and the step of request for arbitration people is in the first notification message of state of winning a lawsuit packet It includes:
Requests for arbitration is triggered according to the arbitration content, and the requests for arbitration is sent to arbitration system, detects whether to receive The second notification message for passing through preliminary hearing to the corresponding arbitration case of the requests for arbitration；
After receiving the second notification message, the secondary wait pay of the arbitration case is determined according to the second notification message Sanction is taken, and pays the arbitration fees to be paid by financial system；
It is described after paying arbitration fees successfully paying, it sends prompt information and prompts arbitration fees to be paid described in the arbitration system It successfully pays, and detects whether that receiving the arbitration case trial that the arbitration system is sent completes, and request for arbitration People is in the first notification message of state of winning a lawsuit.
3. the debt collection method based on block chain as claimed in claim 2, which is characterized in that described when receiving described the After two notification messages, the arbitration fees to be paid of the arbitration case are determined according to the second notification message, and pass through finance system System pays the step of arbitration fees to be paid and includes:
After receiving the second notification message, the secondary wait pay of the arbitration case is determined according to the second notification message Sanction is taken, and need to pay arbitration fees according to the overdue data execution payment amount of money calculative strategy calculating；
If the arbitration fees to be paid are consistent with the arbitration fees that need to pay, paid by the financial system described wait pay Arbitration fees.
4. the debt collection method based on block chain as claimed in claim 3, which is characterized in that described when receiving described the After two notification messages, arbitration fees to be paid are determined according to the second notification message, and execute payment according to the overdue data After the step of calculating of amount of money calculative strategy need to pay arbitration fees, further includes:
If the arbitration fees to be paid and the arbitration fees that need to pay are inconsistent, send confirmation and instructs to the arbitration system, So that whether arbitration system arbitration fees to be paid according to the confirmation confirmation command are correct.
5. the debt collection method based on block chain as described in claim 1, which is characterized in that the debt based on block chain Be engaged in collection method the step of include:
When detect detection have been filed on requests for arbitration the arbitration case whether be in refund close the detection instruction of state after, State is closed according to whether the arbitration case that detection instruction detection has been filed on requests for arbitration is in refund；
If detecting, the arbitration case for having been filed on requests for arbitration is in the refund and closes state, triggers cancel an order, To have been filed on the arbitration case of requests for arbitration according to cancel an order revocation.
6. such as the debt collection method described in any one of claim 1 to 5 based on block chain, which is characterized in that described to connect After receiving first notification message, triggering debt collection request, and the step of executing debt collection request includes:
After receiving first notification message, triggering is freezed to instruct；
By it is described freeze instruction be sent to freezing system, for the freezing system freeze according to instruct freeze it is described overdue The property of user.
7. a kind of debt collection method based on block chain, which is characterized in that the debt collection method packet based on block chain Include following steps:
After arbitration system receives the requests for arbitration of collection system transmission, acquisition is corresponding with the requests for arbitration to deposit card number According to, and by depositing whether card data are in trusted status described in block chain node verification；
If it is determined that the card data of depositing are in trusted status, then put on record, examine to the corresponding arbitration case of the requests for arbitration Survey whether the arbitration case tries completion, and in state of winning a lawsuit；
If detecting, the arbitration case trial is completed, and in state of winning a lawsuit, then sends the first notification message to the collection System so that the collection system triggers debt collection request according to first notification message, and executes the debt collection Request.
8. the debt collection method based on block chain as claimed in claim 7, which is characterized in that described to pass through block chain node Deposit that the step of whether card data are in trusted status includes: described in verifying
According to it is described deposit the corresponding Data Identification of card data and extracted in block chain node demonstrate,prove data corresponding first with described deposit Cryptographic Hash, and the second cryptographic Hash is calculated according to the card data of depositing；
If first cryptographic Hash is consistent with second cryptographic Hash, it is determined that the card data of depositing are in trusted status；
If first cryptographic Hash and second cryptographic Hash are inconsistent, it is determined that the card data of depositing are in insincere state.
9. such as the described in any item debt collection methods based on block chain of claim 7 or 8, which is characterized in that if described true The fixed card data of depositing are in trusted status, then put on record, detect described secondary to the corresponding arbitration case of the requests for arbitration It cuts out whether case tries completion, and is in the step of winning a lawsuit state and includes:
If it is determined that it is described deposit card data be in trusted status, then detect the corresponding arbitration case of the requests for arbitration whether pass through it is pre- It examines；
If detecting, the arbitration case by preliminary hearing, sends the arbitration case by the second notification message of preliminary hearing to institute Collection system is stated, and detects whether that the corresponding arbitration fees to be paid of the arbitration case are paid in the success for receiving the transmission of collection system Success message；
If receiving the success message, put on record to the arbitration case, and detects whether the arbitration case is tried It completes, and in state of winning a lawsuit.
10. a kind of debt collection equipment based on block chain, which is characterized in that the debt collection equipment packet based on block chain It includes memory, processor and is stored in the debt based on block chain that can be run on the memory and on the processor and urge Program is received, is realized when the debt collection program based on block chain is executed by the processor as any in claim 1 to 9 The step of debt collection method based on block chain described in item.
11. a kind of computer readable storage medium, which is characterized in that be stored on the computer readable storage medium based on area The debt collection program of block chain realizes such as claim 1 when the debt collection program based on block chain is executed by processor The step of to debt collection method described in any one of 9 based on block chain.
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