CN110135981A - A kind of debt-credit method, apparatus, server and storage medium based on block chain - Google Patents
A kind of debt-credit method, apparatus, server and storage medium based on block chain Download PDFInfo
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- CN110135981A CN110135981A CN201910438445.0A CN201910438445A CN110135981A CN 110135981 A CN110135981 A CN 110135981A CN 201910438445 A CN201910438445 A CN 201910438445A CN 110135981 A CN110135981 A CN 110135981A
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- 238000004891 communication Methods 0.000 claims description 3
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Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/31—User authentication
- G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
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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
Abstract
The present invention provides a kind of debt-credit method, apparatus, server and storage medium based on block chain, the method for the present invention includes the following steps: to receive the loan requests of user in the debt-credit block chain network built in advance；The identity information of user is verified, the identity information includes certificate information and biological information；If being verified, the credit risk of user is assessed；According to the credit risk determine user credit amount and corresponding loan agreement；Execute the Credit Contract.The present invention realizes the rapid evaluation and debt-credit of user (including personal and enterprise and other mechanisms) fund in block chain, breach the traditional approach made loans by financial institution to enterprise or individual, so that need the related personnel that finances can quick obtaining fund, solve the problems, such as that debt-credit is difficult；And by the restriction of the limitation of credit risk and Credit Contract, the risk of debt-credit side can reduce.
Description
Technical field
The present invention relates to block chain applied technical field more particularly to a kind of debt-credit method, apparatus based on block chain, clothes
Business device and storage medium.
Background technique
With the development of human society, modern finance industry is also developed, and debt-credit is the important composition portion of modern finance
Point.Current debt-credit mode, which is mostly financial institution, makes loans to personal or enterprise, between civil non-financial institution there is also
Numerous debtor-creditor relationships (for example, individual-to-individual, individual is to enterprise, business to business etc.).Debt-credit between non-financial institution
It tends to that dispute occurs, once dispute occurs to there is judicial evidence collection hardly possible.Therefore, the individual of fund affluence or enterprise
It is worried to lend out fund, there are the individual of credit requirement or enterprise to be also not easy to borrow from other people or enterprise there to money
Gold causes social funds utilization efficiency low, is unfavorable for socio-economic development.
Summary of the invention
The present invention provides a kind of debt-credit method, apparatus, server and storage mediums based on block chain, it is intended in solution
State problem.
In a first aspect, the present invention provides a kind of debt-credit methods based on block chain comprising following steps:
In the debt-credit block chain network built in advance, the loan requests of user are received；
The identity information of user is verified, the identity information includes certificate information and biological information；
If being verified, the credit risk of user is assessed；
According to the credit risk determine user credit amount and corresponding loan agreement；
Execute the Credit Contract.
Further, the loan requests include the identity information and loaning bill information of user, are wrapped in the block chain network
Include Central Bank's node, several lending institution nodes and identity information check-node, each lending institution node is by described
Centre bank node checks and approves identity and is allowed to obtain collage-credit data, debt-credit data and the movable and immovable property number of user upon request
According to.
Further, the biological information refers in voiceprint, finger print information, facial information and iris information at least
It is a kind of.
Further, the identity information of the verifying user, refers to:
The identity information of user is sent to identity information check-node with obtain whether be the user identity information
Feedback information.
Further, the credit risk of the assessment user refers to:
Request is issued to Central Bank's node to obtain collage-credit data, financial information, the job information, debt-credit of user
Data and movable and immovable property data；
Judge that the user is borrow money new user or loaning bill old user according to the debt-credit data；
If borrowing money new user, then according to the of the collage-credit data of the user and the movable and immovable property data assessment user
One credit risk；
If loaning bill old user, then according to the collage-credit data of the user, debt-credit data and movable and immovable property data assessment
The second credit risk of the user.
Further, the credit amount that user is determined according to the credit risk.
Further, the loan agreement include repaying mode, alerting pattern, collection mode, it is overdue after arbitration mode
And assist management；
The repaying mode is to include once also complete, also complete by several times and one of freely refund；
The alerting pattern include software voice reminder, short message prompting, instant message applications prompting, mail reminder, other people
It reminds；
The collection mode includes the collection of software voice, short message collection, instant message applications collection, mail collection, third
Fang Cuishou；
It is described it is overdue after arbitration mode include enforcing to refund number and La Hei reference list to law court's application；
The assistance management includes that other lending institution nodes is cooperateed with to carry out that money is urged to remind.
Second aspect, the present invention provides a kind of debt-credit devices based on block chain, comprising:
Receiving module, for receiving the loan requests of user；
Authentication module, for verifying the identity information of user, the identity information includes certificate information and biological information；
Evaluation module, if assessing the credit risk of user for being verified；
Determining module, for determined according to the credit risk user credit amount and corresponding loan agreement；
Execution module, for executing the Credit Contract；
The block chain refers to the debt-credit block chain network built in advance.
The third aspect, the present invention provides a kind of servers comprising processor, and be connected to the processor respectively
Memory and transceiver；
The processor, for executing the readable instruction of the machine, to execute the above method；
The memory, for storing the executable machine readable instructions of the processor；
The transceiver, for carrying out communications with external equipment.
Fourth aspect, the present invention provides a kind of storage medium, the storage medium is stored with computer program, the meter
Calculation machine program includes program instruction, and described program instruction can realize the above method when being executed by a processor.
Beneficial effects of the present invention are as follows:
1, the debt-credit method based on block chain that the present invention obtains by above-mentioned design, realizes user in block chain
The rapid evaluation of (including personal and enterprise and other mechanisms) fund and debt-credit are breached and are made loans by financial institution to enterprise or a
The traditional approach of people so that need the related personnel that finances can quick obtaining fund, solve the problems, such as that debt-credit is difficult；And
By the limitation of credit risk and the restriction of Credit Contract, the risk of debt-credit side can reduce.
2, the present invention is applicable to existing ATM machine, mobile phone, plate, Pad, PC machine either dedicated loan machine etc.
In equipment, the purpose is to accelerate the speed of character loan and lending, and borrowing process is simple and fast, and review process is intelligent, energy
The development of finance activities is effectively facilitated, assists to construct more perfect social credit system.
The additional aspect of the present invention and advantage will be set forth in part in the description, these will become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described, it should be apparent that, drawings in the following description are some embodiments of the invention, general for this field
For logical technical staff, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is the flow chart of debt-credit method of one of the embodiment of the present invention based on block chain；
Fig. 2 is the flow chart of the credit risk of the assessment user in the embodiment of the present invention；
Fig. 3 is the functional block diagram of debt-credit device of one of the embodiment of the present invention based on block chain；
Fig. 4 is the functional block diagram of the evaluation module in the embodiment of the present invention；
Fig. 5 is the functional block diagram of the server in the embodiment of the present invention.
Specific embodiment
Below in conjunction with the Figure of description in the present invention, technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiments are some of the embodiments of the present invention, instead of all the embodiments.Based on this hair
Embodiment in bright, every other implementation obtained by those of ordinary skill in the art without making creative efforts
Example, shall fall within the protection scope of the present invention.
It should be appreciated that in the description of the present invention, term " includes " and "comprising" indicate described feature, entirety, element
And/or the presence of component, but the presence of one or more of the other feature, entirety, element, component and/or its set is not precluded
Or addition.
It is also understood that term used in the description of the present invention is merely for the sake of for the purpose of describing particular embodiments
And it is not intended to limit the present invention.It is other unless the context is clearly specified as used in the description of the present invention
Situation, otherwise " one " of singular, "one" and "the" are intended to include plural form.It is attached in description of the invention and specification
In some processes described in figure, the multiple serial numbers occurred according to particular order are contained, but it should be clearly understood that these sequences
Number such as 11,12, are only used for distinguishing each different title, and serial number itself, which does not represent, any executes sequence.This skill
Art field technical staff is appreciated that unless otherwise defined, all terms used herein (including technical term and section it is academic
Language), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.
Block chain: block chain (Block chain) is Distributed Storage, point-to-point transmission, common recognition mechanism, encryption calculation
The new application mode of the computer technologies such as method.So-called common recognition mechanism is to realize to establish letter between different user in block catenary system
Appoint, obtain the mathematical algorithm of equity.
Loan agreement refers to intelligent contract: the theory of intelligent contract can trace back to nineteen ninety-five, almost with internet
(worldwide web) occurs simultaneously.Because bit coin lays the foundation and the cryptologist Ni Kesabo that is praised extensively
(Nick Szabo) has been put forward for the first time " intelligent contract " this term.In essence, the working principle class of these automatic contracts
It is similar to the if-then sentence of other computer programs.Intelligent contract is only handed over the assets of real world in this way
Mutually.When the condition that one is finished in advance is triggered, intelligent contract executes corresponding contract terms.
One block chain network is set, and the transaction relationship between each member is recorded on block chain, forms a reference chain, should
Whether reference chain can be used for assessing the credit rating of debtor and creditor, debtor-creditor relationship occurring to provide reference.
There is a agreement, the member of every addition signs this part of agreement, wherein is newly added in the block chain network
Member also signs this part of agreement, and protocol contents, which may include that any member is same, to be intended to provide personal reference information in the block chain,
Avoid because reference information is bad improve bad credit, bad accounts event occur.The change of agreement can by any one of member or
Multiple members propose and draft, and are voted by the member more than half and submitted and come into force by the approval of Central Bank's node, the association
View operates within existing legal system frame.Each member in block chain all has an account and is corresponding to it.
Pass through common recognition algorithm for encryption decryption technology in the block chain network, it is ensured that the silver that every credit information is borrowed or lent money by it
Row node is encrypted (including public key and private key) using encryption attribute scheme, and can only be solved by the data access person with permission
It is close, thus, it is possible to avoid user's credit information of banking institution from being accessed by unsuitable user or by incomplete trusted number
It is revealed according to center or ISP, and then can guarantee safety and the privacy of sensitive data, and pass through common recognition algorithm
Security mechanism control decryption range keeps the safety in ciphering process；In addition, due to the decentralization of block chain, can not distort,
Retrospective characteristic, therefore during credit evaluation, the cost and redundancy of effort of credit evaluation can be reduced, credit is improved and comments
Estimate efficiency, while can also guarantee privacy and the safety of credit information.
Embodiment
The embodiment of the invention provides a kind of debt-credit methods based on block chain, as shown in Figure 1 comprising step S110-
S150。
S110 receives the loan requests of user in the debt-credit block chain network built in advance.
Loan requests include the identity information and loaning bill information of user, if in block chain network include Central Bank's node,
Dry lending institution node and identity information check-node, each lending institution node check and approve identity and quilt by Central Bank's node
Permit the collage-credit data, debt-credit data and the movable and immovable property data that obtain user upon request.
This refers to equal (other addresses) authorization of lending side/lender/debit is mounted with the loan requests of reception user
The ATM machine of automatic debt-credit APP/ system (there are also small routine, webpages etc. for the form of expression), cell phone, plate, pad, PC machine, POS
The equipment such as machine and earmarked loans machine receive the loan requests of user, and by the interactive operation of user, generate and grasp with the interaction
Make corresponding request or instruction.By taking ATM machine as an example, user is pressed by clicking loan application in the operation interface of ATM in bank
Button, Lai Faqi loan application.Information acquisition module 1 can be mounted in ATM machine, cell phone, PC machine, POS machine and dedicated
Papers-scanning equipment, fingerprint identification device or iris identification equipment on loan machine after filing an application, prompt user to provide phase
The identity information answered, papers-scanning equipment can be camera, pass through the certificate information of camera scanning collection borrower, certificate
Information includes the identity card of borrower, can also be expanded to the auxiliary certificate such as driver's license, passport, can also be set by fingerprint recognition
The finger print information of standby acquisition borrower, or the iris information by iris identification equipment acquisition borrower.
S120 verifies the identity information of user, and identity information includes certificate information and biological information.
Biological information refers at least one of voiceprint, finger print information, facial information and iris information.
The identity information of verifying user refers to that the identity information of user, which is sent to identity information check-node to obtain, is
The feedback information of the no identity information for the user.
For example, in actual application, face recognition device can be first passed through to my facial characteristics and identity document
Photographic intelligence be compared verify whether for I, determination is that the identity information of user is sent to public security system after my assertive evidence
Subscriber identity information in database to be compared with collected subscriber identity information and be obtained comparison knot by equal databases
Fruit, or the fingerprint of user or iris information are sent to the databases such as public security system with by the user fingerprints or rainbow in database
Film information is compared with collected user fingerprints or iris information and obtains comparing result, if the two comparing result is consistent,
Then the side's of loaning bill identity information is verified, and the feedback information of " being verified " can be shown in the operation interface of debit's terminal.
If S131 is verified, the credit risk of user is assessed.
As shown in Fig. 2, the credit risk of assessment user includes step S210-S240.
S210 issues request to Central Bank's node to obtain collage-credit data, financial information, the job information, debt-credit of user
Data and movable and immovable property data.
S220 judges that the user is borrow money new user or loaning bill old user according to debt-credit data.
The new user if S231 borrows money, then according to the collage-credit data of the user and the movable and immovable property data assessment user
The first credit risk.
If S232 loaning bill old user, then according to the collage-credit data of the user, debt-credit data and movable and immovable property data
Assess the second credit risk of the user.
Collage-credit data, debt-credit data and movable and immovable property data specifically refer to, movable property information, real estate information, income
Prove information, credit card full amount, credit card amount, secured credit loan ceiling and/or the overdue record information of history etc..
Credit risk refers to, by Central Bank's node previously according to the collage-credit data of user, debt-credit data and movable property and not
The assessment that the information such as movable property data are formulated is made loans rule, which includes multiple grades, for example, A-E grades, it is as follows:
| Rank | Explanation | Credit amount |
| A grades | Credit is outstanding | The amount of money that ability matches therewith is provided, volume can be suitably mentioned |
| B grades | Credit is good | Provide the amount of money that ability matches therewith |
| C grades | Credit is medium | The amount of money that ability matches therewith is provided, volume can be suitably dropped |
| D grades | Credit is general | Drop volume, and the less amount of money is provided as the case may be |
| E grades | Credit is poor | Do not consider to borrow or lend money |
S240 determines the credit amount of user according to credit risk.
Borrowing balance refers to maximum borrowing balance, and the amount of money number that lending is no more than maximum borrowing balance may be selected in user.
If S132 verifying does not pass through, refuse the loan requests of user, and shows the information for indicating refusal loan requests.
S140 according to credit risk determine user credit amount and corresponding loan agreement.
Loan agreement include repaying mode, alerting pattern, collection mode, it is overdue after arbitration mode and assist management.
Repaying mode is to include once also complete, also complete by several times and one of freely refund.
Once also it is complete refer to principal and interest is once paid off in fixed dates.
Such as: 10000 yuan of capital, Annual Percentage Rate 6% is borrowed or lent money, (365 days) are once paid off afterwards within 1 year.
Repayment amount: 10000* (1+5%)=10600.
By several times also it is complete refer to (can also start over time since borrowing or lending money day) since fixed dates,
Principal and interest point is paid off in several moons；Repay by stages can choose equal principal or equal capital mode again.
10000 yuan of capital, Annual Percentage Rate 6% is borrowed or lent money, starts to repay after 1 year (365 days), 12 months by stages.
1 year (365 days) sum total of the principal plus interest afterwards: 10000* (1+6%)=10600.
(1) equal principal, monthly repayment amount (rate per month 0.5%):
[10600*0.5%* (1+0.5%) ^12]/[(1+0.5%) ^12-1]=912.30.
(loan principal × rate per month × (1+ rate per month) ^ refund months) ÷ ((1+ rate per month) ^ refund months -1).
(2) equal capital, the first month repayment amount (rate per month 0.5%):
(10600/12)+(10600-0) * 0.5%=936.33.
(loan principal/refund months)+(capital-has given back capital accumulated value) × rate per month
It freely refunds and refers to before fixed dates, divide arbitrarily several times, finally pay off principal and interest.
Citing: 10000 yuan of capital, Annual Percentage Rate 6% is borrowed or lent money, before year and a day (365 days), is flexibly paid off.
Rate per diem: 6%/365=0.0164383562%.
The update of daily principal and interest data can be seen in debtor and creditor, such as:
After 1st day, capital 10000, interest 10000*6%*1/365=1.64, sum total of the principal plus interest 10001.64.
After 10th day, capital 10000, interest 10000*6%*10/365=16.44, sum total of the principal plus interest 10016.44.
After 100th day, capital 10000, interest 10000*6%*100/365=164.38, sum total of the principal plus interest 10164.38.
, it is specified that first repaying interest when repaying, then Replacement of principal.
For example, debt-credit side repaid 2000 yuan at 100 days, 164.38 yuan of interest, remaining 2000-164.38 are repaid first
=1835.62, it is used to Replacement of principal, 10000-1835.62=8164.38.
In this way, remaining non-Replacement of principal 8164.38, interest 0.
On this basis, after the 200th day, capital 8164.38, interest 8164.38*6%* (200-100)/365=
134.21 sum total of the principal plus interest 8164.38+134.21=8298.59.
Debt-credit side, which can choose, to continue to repay part principal and interest, also can choose and once pays off 8298.59 principal and interest, terminates
This time borrow or lend money.
Alerting pattern include software voice reminder, short message prompting, instant message applications prompting, mail reminder, other people remind
Deng.For example, before repaying 3 days and on the day of, intelligent reminding is carried out to debt-credit side by phone and short message.
Collection mode includes that the collection of software voice, short message collection, instant message applications collection, mail collection, third party urge
It receives.
Arbitration mode after overdue includes enforcing should refund number and La Hei reference list to law court's application.
Assisting management includes that other lending institution nodes is cooperateed with to carry out that money is urged to remind.Specifically, assist management refer to for
The debt-credit do not gone back or do not paid off can be registered in third party's lending institution node on the basis of debt-credit side, lending side agree to,
It to be included in assistance management, that is, generates the electronics loan agreement for having legal effect, plan of clearly repaying provides repaying and reminds service,
Transfer the record etc. of transaction details.
Such as: A refers to debt-credit side, and B refers to lending side.
In once also complete pattern of lending: if it is once paying off after 1 year, then the record of transaction details is as follows:
On April 26th, 2018, B lend 10000 yuan.
On April 27th, 2019, A refund 10600 yuan, wherein 600 yuan of interest, and 10000 yuan of capital.0 yuan of odd corpus.
In pattern of lending also complete by several times by stages: being paid off within 12 months after if it is 1 year and be equal principal mode, then
The record of transaction details is as follows:
On April 26th, 2018, B lend 10000 yuan.
On May 27th, 2019, A refund 912.30 yuan, wherein 53.00 yuan of interest, and 859.30 yuan of capital.Odd corpus
9740.70 first.
On June 27th, 2019, A refund 912.30 yuan, wherein 48.70 yuan of interest, and 863.60 yuan of capital.Odd corpus
8877.10 first.
……
The year two thousand twenty April 27, A refund 912.30 yuan, wherein 4.48 yuan of interest, and 907.82 yuan of capital.0 yuan of odd corpus.
In pattern of lending also complete by several times by stages: being paid off within 12 months after if it is 1 year and be equal capital mode, then
The record of transaction details is as follows:
On April 26th, 2018, B lend 10000 yuan.
On May 27th, 2019, A refund 936.33 yuan, wherein 53.00 yuan of interest, and 883.33 yuan of capital.Odd corpus
9716.67 first.
On June 27th, 2019, A refund 931.91 yuan, wherein 48.58 yuan of interest, and 883.33 yuan of capital.Odd corpus
8833.33 first.
……
The year two thousand twenty April 27, A refund 887.75 yuan, wherein 4.42 yuan of interest, and 883.33 yuan of capital.0 yuan of odd corpus.
In also complete pattern of lending by several times: the mode freely paid off in if it is 1 year, then the record of transaction details is such as
Under:
On April 26th, 2018, B lend 10000 yuan.
On August 4th, 2018 (100 days, drawn interest 164.38 yuan), A refunded 2000 yuan, wherein 164.38 yuan of interest,
1835.42 yuan of capital.0 yuan of remaining interest, 8164.38 yuan of odd corpus.
On November 12nd, 2018 (200 days, 8164.38 yuan of odd corpus draw interest 134.21 yuan), A refund 8298.59
Member, wherein 134.21 yuan of interest, 8164.38 yuan of capital.0 yuan of remaining interest, 0 yuan of odd corpus.
S150 executes Credit Contract.
1, the debt-credit method based on block chain that the present invention obtains by above-mentioned design, realizes user in block chain
The rapid evaluation of (including personal and enterprise and other mechanisms) fund and debt-credit are breached and are made loans by financial institution to enterprise or a
The traditional approach of people so that need the related personnel that finances can quick obtaining fund, solve the problems, such as that debt-credit is difficult；And
By the limitation of credit risk and the restriction of Credit Contract, the risk of debt-credit side can reduce.
2, the present invention is applicable to existing ATM machine, mobile phone, plate, Pad, PC machine either dedicated loan machine etc.
In equipment, the purpose is to accelerate the speed of character loan and lending, and borrowing process is simple and fast, and review process is intelligent, energy
The development of finance activities is effectively facilitated, assists to construct more perfect social credit system.
As shown in figure 3, the present invention provides a kind of debt-credit device based on block chain, including receiving module A310, verifying
Modules A 320, authentication module A320, evaluation module A331, processing module A332 and determining module A340.
Block chain refers to the debt-credit block chain network built in advance.
Receiving module A310, for receiving the loan requests of user.
Loan requests include the identity information and loaning bill information of user, if in block chain network include Central Bank's node,
Dry lending institution node and identity information check-node, each lending institution node check and approve identity and quilt by Central Bank's node
Permit the collage-credit data, debt-credit data and the movable and immovable property data that obtain user upon request.
Authentication module A320, for verifying the identity information of user, identity information includes certificate information and biological information.
Biological information refers at least one of voiceprint, finger print information, facial information and iris information.
Authentication module A320 verifies the identity information of user, refers to: the identity information of user is sent to identity information school
Test node with obtain whether be the user identity information feedback information.
Evaluation module A331, if assessing the credit risk of user for being verified.
As shown in figure 4, evaluation module A331 further includes acquiring unit A410, judging unit A420, the first evaluation unit
A431, the second evaluation unit A432 and firmly believe unit A440.
Acquiring unit A410, for issuing request to Central Bank's node with obtain the collage-credit data of user, financial information,
Job information, debt-credit data and movable and immovable property data.
Judging unit A420, for judging that the user is borrow money new user or loaning bill old user according to debt-credit data.
First evaluation unit A431, if for the new user that borrows money, then according to the collage-credit data of the user and movable property and not
The first credit risk of the movable property data assessment user.
Second evaluation unit A432, if be used for loaning bill old user, then according to the collage-credit data of the user, debt-credit data and
The second credit risk of the movable and immovable property data assessment user.
Unit A440 is firmly believed, for determining the credit amount of user according to credit risk.
Processing module A332 refuses the loan requests of user if not passing through for verifying, and shows expression refusal loan
The information of request.
Determining module A340, for determined according to credit risk user credit amount and corresponding loan agreement.
Loan agreement include repaying mode, alerting pattern, collection mode, it is overdue after arbitration mode and assist management.
Repaying mode is to include once also complete, also complete by several times and one of freely refund.
Alerting pattern include software voice reminder, short message prompting, instant message applications prompting, mail reminder, other people remind.
Collection mode includes that the collection of software voice, short message collection, instant message applications collection, mail collection, third party urge
It receives.
Arbitration mode after overdue includes enforcing should refund number and La Hei reference list to law court's application.
Assisting management includes that other lending institution nodes is cooperateed with to carry out that money is urged to remind.
Execution module A350, for executing Credit Contract.
As shown in figure 5, the present invention provides a kind of servers comprising processor A510, and connect respectively with processor
The memory A520 and transceiver A530 connect.
Processor A510, for executing the readable instruction of machine, to execute the above method.
In the embodiment of the present application, processor A510 can be central processing unit (Central Processing
Unit, CPU), processor A510 can also be other general processors, digital signal processor (Digital Signal
Processor, DSP), it is specific integrated circuit (Appl ication Specific Integrated Circuit, ASIC), existing
At programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic device, discrete
Door or transistor logic, discrete hardware components etc..Wherein, general processor can be microprocessor or the processor
It is also possible to any conventional processor etc..
Memory A520 for the machine readable instructions that storage processor A510 can be performed, and provides calculating and control energy
Power, to support the operation of entire server.
Memory A520 may include non-volatile memory medium and built-in storage.
The non-volatile memory medium can storage program area and computer program.The computer program includes that program refers to
It enables, which is performed, and processor 510 may make to execute the above method.
Transceiver A530, for carrying out communications with external equipment.
It will be understood by those skilled in the art that structure shown in Fig. 5, only part relevant to application scheme is tied
The block diagram of structure, does not constitute the restriction for the server being applied thereon to application scheme, and specific server may include
Than more or fewer components as shown in the figure, certain components are perhaps combined or with different component layouts.
As shown in figure 4, storage medium is stored with computer program, computer journey the present invention provides a kind of storage medium
Sequence includes program instruction, and program instruction can realize the above method when being executed by a processor.The storage medium can be computer
Readable storage medium storing program for executing.The storage medium is stored with computer program, and wherein computer program includes program instruction.
The storage medium can be USB flash disk, mobile hard disk, read-only memory (Read-Only Memory, ROM), magnetic disk
Or the various computer readable storage mediums that can store program code such as CD.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
In several embodiments provided by the present invention, it should be understood that disclosed device and method can pass through it
Its mode is realized.For example, the apparatus embodiments described above are merely exemplary.For example, the division of each unit, only
Only a kind of logical function partition, there may be another division manner in actual implementation.Such as multiple units or components can be tied
Another system is closed or is desirably integrated into, or some features can be ignored or not executed.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection scope subject to.
Claims (10)
1. a kind of debt-credit method based on block chain, which is characterized in that it includes the following steps:
In the debt-credit block chain network built in advance, the loan requests of user are received；
The identity information of user is verified, the identity information includes certificate information and biological information；
If being verified, the credit risk of user is assessed；
According to the credit risk determine user credit amount and corresponding loan agreement；
Execute the Credit Contract.
2. debt-credit method according to claim 1, which is characterized in that the loan requests include user identity information and
Loaning bill information, includes Central Bank's node, several lending institution nodes and identity information check-node in the block chain network,
Each lending institution node checks and approves identity by Central Bank's node and is allowed to obtain the reference number of user upon request
According to, debt-credit data and movable and immovable property data.
3. debt-credit method according to claim 2, which is characterized in that the biological information refers to voiceprint, fingerprint letter
At least one of breath, facial information and iris information.
4. debt-credit method according to claim 3, which is characterized in that the identity information of the verifying user refers to:
The identity information of user is sent to identity information check-node with obtain whether be the user identity information feedback
Information.
5. debt-credit method according to claim 4, which is characterized in that the credit risk of the assessment user refers to:
Request is issued to Central Bank's node to obtain the collage-credit data of user, financial information, job information, debt-credit data
And movable and immovable property data；
Judge that the user is borrow money new user or loaning bill old user according to the debt-credit data；
If borrowing money new user, then according to the first letter of the collage-credit data of the user and movable and immovable property the data assessment user
Borrow risk；
If loaning bill old user, then according to the collage-credit data of the user, debt-credit data and the movable and immovable property data assessment use
Second credit risk at family.
6. debt-credit method according to claim 5, which is characterized in that described to determine borrowing for user according to the credit risk
Monetary allowance volume.
7. debt-credit method according to claim 1 or 6, which is characterized in that the loan agreement includes repaying mode, reminds
Mode, collection mode, it is overdue after arbitration mode and assist management；
The repaying mode is to include once also complete, also complete by several times and one of freely refund；
The alerting pattern include software voice reminder, short message prompting, instant message applications prompting, mail reminder, other people remind；
The collection mode includes that the collection of software voice, short message collection, instant message applications collection, mail collection, third party urge
It receives；
It is described it is overdue after arbitration mode include enforcing to refund number and La Hei reference list to law court's application；
The assistance management includes that other lending institution nodes is cooperateed with to carry out that money is urged to remind.
8. a kind of debt-credit device based on block chain characterized by comprising
Receiving module, for receiving the loan requests of user；
Authentication module, for verifying the identity information of user, the identity information includes certificate information and biological information；
Evaluation module, if assessing the credit risk of user for being verified；
Determining module, for determined according to the credit risk user credit amount and corresponding loan agreement；
Execution module, for executing the Credit Contract；
The block chain refers to the debt-credit block chain network built in advance.
9. a kind of server, which is characterized in that it includes processor, and the memory and receipts that are connected to the processor respectively
Send out device；
The processor, for executing the readable instruction of the machine, to execute the side as described in claim 1-7 any one
Method；
The memory, for storing the executable machine readable instructions of the processor；
The transceiver, for carrying out communications with external equipment.
10. a kind of storage medium, which is characterized in that the storage medium is stored with computer program, the computer program packet
Program instruction is included, described program instruction can be realized when being executed by a processor such as method of any of claims 1-7.
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| CN201910438445.0A CN110135981A (en) | 2019-05-24 | 2019-05-24 | A kind of debt-credit method, apparatus, server and storage medium based on block chain |
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| CN111489158A (en) * | 2020-03-30 | 2020-08-04 | 上海交通大学 | Block chain based online strength notarization method, system, equipment and storage medium |
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| CN116630032A (en) * | 2023-07-17 | 2023-08-22 | 九一金融信息服务(北京)有限公司 | Intelligent post-credit management system based on blockchain |
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