CN111640009A - Learning-aid loan issuing method and related device - Google Patents

Learning-aid loan issuing method and related device Download PDF

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Publication number
CN111640009A
CN111640009A CN202010506478.7A CN202010506478A CN111640009A CN 111640009 A CN111640009 A CN 111640009A CN 202010506478 A CN202010506478 A CN 202010506478A CN 111640009 A CN111640009 A CN 111640009A
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China
Prior art keywords
loan
study
assisting
school
bank
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Pending
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CN202010506478.7A
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Chinese (zh)
Inventor
张�诚
申远远
雷雨
胡腾云
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Bank of China Ltd
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Bank of China Ltd
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Priority to CN202010506478.7A priority Critical patent/CN111640009A/en
Publication of CN111640009A publication Critical patent/CN111640009A/en
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/25Integrating or interfacing systems involving database management systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/20Education
    • G06Q50/205Education administration or guidance

Abstract

The application discloses a learning-aid loan issuing method and a device, which are applied to a block chain, wherein the block chain provides an interface for accessing the block chain for schools and bank loan institutions; after the block chain is accessed to school and bank loan institutions, receiving and storing the student information uploaded by the school, wherein the student information comprises: admission information of students applying for study-assisting loan; mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to students according to the first verification result; mutual identification verification comprises the following steps: and verifying the student information. Therefore, the technical scheme of the application realizes the on-line application and issuance of the study-assisting loan, simplifies the process of issuing the study-assisting loan and provides convenience for students to apply for the study-assisting loan.

Description

Learning-aid loan issuing method and related device
Technical Field
The present application relates to the field of block chain technology, and more particularly, to a method and apparatus for assisting learning loan issuance.
Background
In the prior study-assisting loan application process, a student firstly takes the data of the school where the student is located, and then takes the data provided by the school to a bank loan institution for loan; after the student applies for the loan, the student returns the loan evidence to the school, the school completes the entry of the loan evidence in a related system, and the bank places the loan into the designated account. In the process, all the flows are relatively dispersed and independent, and need students to apply by data, so that the operation is complex and the flow is complex. In order to solve the existing problems, a learning-aid loan issuing method and a device based on a block chain are provided, a school and a bank loan institution are connected into the block chain, the school uploads student information to the block chain for storage, and the bank loan institution inquires and verifies the student information from the block chain, completes loan approval and loan release and simplifies the learning-aid loan issuing process.
Disclosure of Invention
Based on the above problems, the present application provides a method and a related device for issuing a study-supporting loan, so as to simplify the process of issuing a study-supporting loan and provide convenience for students to apply for a study-supporting loan.
In a first aspect, the present application provides a method for assisting study loan issuance, applied to a block chain, the method including:
providing an interface for accessing the block chain to school and bank loan institutions;
after the school and the bank loan institution are both accessed into the block chain, receiving and storing student information uploaded by the school, wherein the student information comprises: admission information of students applying for study-assisting loan;
mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
Optionally, the above method further comprises:
and storing the record of the bank loan institution for the student on the assisted loan issuance.
Optionally, the above method further comprises:
sending a notification message of assistant loan issuance to the school;
the mutual identification verification further comprises:
and providing the record of the assisted loan issuance to the school so that the school confirms the effectiveness of the assisted loan issuance and collects the money according to the notification message and the record of the assisted loan issuance.
Optionally, the assisted loan issuance record comprises: a payment period and a payment amount.
Optionally, the assisted loan issuance record further comprises: the identity information of the student and the study-assisting loan application year; the above method further comprises:
and forbidding the student to apply for the study-assisting loan from another bank loan institution in the study-assisting loan application year according to the record of the release of the study-assisting loan.
In a second aspect, the present application provides a learning aid loan dispensing apparatus for use with a blockchain providing an interface for access by schools and bank loan institutions, the apparatus comprising:
student information storage module for receive and store the student information that the school uploaded, student information includes: admission information of students applying for study-assisting loan;
the mutual recognition verification module is used for mutual recognition verification of the school and the bank loan institution and providing a first verification result to the bank loan institution so that the bank loan institution can issue a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
Optionally, the above apparatus further comprises:
and the loan record issuing module is used for storing the learning-aid loan issuing record of the bank loan institution for the student.
Optionally, the above apparatus further comprises:
the notification module is used for sending a notification message of the assistant study loan issuance to the school;
the mutual recognition verification module is further used for providing the school with the study-assisting loan issuing record so that the school can confirm the validity of the issuing of the study-assisting loan and collect payment according to the notification message and the study-assisting loan issuing record.
Optionally, the assisted loan issuance record comprises: a payment period and a payment amount.
Optionally, the assisted loan issuance record further includes: the identity information of the student and the study-assisting loan application year; the device further comprises:
and the repeated application prohibition module is used for prohibiting the student from applying for the study-assisting loan from another bank loan institution in the study-assisting loan application year according to the study-assisting loan issuance record.
Compared with the prior art, the method has the following beneficial effects:
the learning-assistant loan issuing method and device are applied to the block chain, and the block chain provides interfaces for accessing the block chain for schools and bank loan institutions; after the block chain is accessed to school and bank loan institutions, receiving and storing the student information uploaded by the school, wherein the student information comprises: admission information of students applying for study-assisting loan; mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to students according to the first verification result; mutual identification verification comprises the following steps: and verifying the student information. Therefore, the technical scheme of the application realizes the on-line application and issuance of the study-assisting loan, simplifies the process of issuing the study-assisting loan and provides convenience for students to apply for the study-assisting loan.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive exercise.
Fig. 1 is a flowchart of a method for providing a study-aid loan issuance according to an embodiment of the present application;
FIG. 2 is a flow chart of another method for providing assisted loan delivery according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of a learning aid loan issuance apparatus according to an embodiment of the present application;
fig. 4 is a schematic structural diagram of another learning aid loan issuing device according to an embodiment of the present application.
Detailed Description
Current teaching-aid loan issuance is typically performed online. As mentioned above, the process is complicated, and the students need to travel to and from the school and the bank loan institution, which is inconvenient. Based on the problem, the application provides a study-aid loan issuing method and a related device.
In order to make the technical solutions of the present invention better understood, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Method embodiment
Referring to fig. 1, a flowchart of a method for assisting learning loan issuance according to an embodiment of the present application is shown. The method is applied to block chains. As shown in fig. 1, the method for issuing the assisted loan comprises the following steps:
step 101: interfaces are provided to schools and bank lending institutions for access to the blockchain.
For example, a first interface and a second interface are arranged in the blockchain, wherein the first interface is used for accessing various schools, and the second interface is used for accessing various bank loan institutions. In addition, interfaces can be respectively arranged for each school and each bank loan institution.
School staff may access the blockchain through an application running on some terminal device or through a login page. Similarly, a worker at a bank loan institution may also access the blockchain through an application running on some terminal device or through a login page.
Step 102: after the school and the bank loan institution are both accessed into the block chain, receiving and storing student information uploaded by the school, wherein the student information comprises: admission information of students applying for assisted loan.
The admission information of the students applying for the assisted loan may include: school information, professional information, school number, identification card number, admission fraction, admission time, name and the like of the student.
In one possible implementation, the school uploads the information of the students applying for the assistant loan regularly, for example, the information of the students applying for the assistant loan of the whole school is uploaded at the beginning of each school period.
In another possible implementation, the school knows that the student applies for the study aid loan through an information acquisition system, and then uploads the student information to the blockchain. Namely, once the student is known to apply for the study-assisting loan, the student information is uploaded in real time.
In addition, the information of the students can be checked before the schools upload the information of the students to the blockchain. Such as the correctness of professional information, the correctness of identification numbers, etc.
Step 103: mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
After the school and the bank loan institution access the blockchain, the information provided by the school to the blockchain and the information provided by the bank loan institution to the blockchain are considered to be credible, reliable and untrustworthy.
The student information received and stored in step 102 is used as the basis for mutual identification and verification. Only if the mutual identification verification is passed, the bank loan institution may issue a study-assisting loan to the school where the student is located. In the embodiment of the application, mutual identification verification is completed between the school and the bank loan institution through the block chain, so that the reliability of mutual identification verification is guaranteed. And the block chain verifies the student information, and if the student information is determined to be true and accurate, a first verification result is provided for the bank loan institution. The first verification result can be sent to the bank loan institution from the block chain, or can be provided to the bank loan institution when the bank loan institution inquires the verification result.
When the first verification result indicates that the student information verification passes, the bank loan institution can determine whether to issue a study-assisting loan to the school where the student is located by combining the intra-row loan standard (or loan condition). If the first verification result indicates that the student information passes the verification and the student information meets the in-line loan standard, the student is released to the account of the school for study loan after approval.
The above is the method for issuing the study-assisting loan provided by the embodiment of the application. The method is applied to a block chain, and the block chain provides an interface for accessing the block chain for schools and bank loan institutions; after the block chain is accessed to school and bank loan institutions, receiving and storing the student information uploaded by the school, wherein the student information comprises: admission information of students applying for study-assisting loan; mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to students according to the first verification result; mutual identification verification includes verifying student information. Therefore, the method for issuing the study-assisting loan realizes the on-line application and issuing of the study-assisting loan, simplifies the process of issuing the study-assisting loan, and provides convenience for students to apply for the study-assisting loan.
On the basis of the aforementioned steps 101-103, the present application further provides another method for assisting loan issuance. Referring to fig. 2, it is a flow chart of the method for releasing the study-aid loan.
As shown in fig. 2, the method includes:
step 201: interfaces are provided to schools and bank lending institutions for access to the blockchain.
Step 202: after the school and the bank loan institution are both accessed into the block chain, receiving and storing student information uploaded by the school, wherein the student information comprises: admission information of students applying for assisted loan.
Step 203: and verifying the student information, and providing a first verification result to the bank loan institution so that the bank loan institution issues a study-assisting loan to the student according to the first verification result.
The implementation manner of the above step 201-203 is substantially the same as that of the step 101-103-and will not be described herein again, and reference can be made to the foregoing description.
The method of the embodiment further comprises the following steps:
step 204: and storing the record of the bank loan institution for the student on the assisted loan issuance.
The assisted loan issuance record may include: a payment period and a payment amount. For example, the payment period is 3 years and the payment amount is 5000 yuan per year. In addition, the assisted loan issuance record may further include: identity information of students and the year of application of study-assisting loan. For example, identity information of a student may include: the student identity card number and the study-assisting loan application year are 2020.
The record of the assisted loan issuance stored in the block chain can be used as the basis for the collection of the school and as the proof that the bank loan institution has issued the assisted loan to the school.
Step 205: and sending a notification message of the assistant loan issuance to the school.
Since the blockchain may store the assisted loan issuance record only after the bank loan institution issues the assisted loan to the school for the student, the blockchain may send a notification message of the assisted loan issuance to the school after storing the assisted loan issuance record. As an example, the blockchain may send a short message or a mail to a terminal device of a school staff accessing the blockchain to prompt the school to: the bank loan institution already issues the study-assisting loan for the student.
Step 206: and providing the record of the assisted loan issuance to the school so that the school confirms the effectiveness of the assisted loan issuance and collects the money according to the notification message and the record of the assisted loan issuance.
In practical application, the blockchain can actively provide a learning-aid loan issuing record for a school through an interface of the school access blockchain; in addition, the school can also inquire the block chain about the auxiliary loan issuing record of the bank loan institution by initiative.
And the block chain provides the school with the auxiliary loan issuance record, and the school verifies the effectiveness of the auxiliary loan issuance according to the notification message and the auxiliary loan issuance record. The school can collect the money after confirming that the release is effective.
In the embodiment of the application, the property of non-falsification and non-forgery of the study-assisting loan application is realized by storing the study-assisting loan issuance record in the block chain. One problem that may exist today is: a student repeatedly applies for study-aid loan from different bank loan institutions. The problem of repeated loans is not confirmed by the communication between different banks based on the information of the borrower. Thus, the bank loan institution invisibly bears the risk that the borrower cannot pay in time.
Based on this, since the assisted loan issuance record may include the identity information of the student and the year of application of the assisted loan, after the block chain stores the assisted loan issuance record, the method of the embodiment of the present application may further include:
step 207: and forbidding the student to apply for the study-assisting loan from another bank loan institution in the study-assisting loan application year according to the record of the release of the study-assisting loan.
For example, if the school uploads student information to the blockchain again, the blockchain does not help another bank loan institution to complete the mutual identification verification of the student information with the school. Thus, another bank loan institution does not receive the first verification result, and thus does not issue a study-assisting loan to the school for that same student over the year. Therefore, the problem that students may apply for study-assisting loan repeatedly at different bank loan institutions is solved, and the risk born by the bank loan institutions is reduced.
Based on the method for issuing the study-assisting loan provided by the foregoing embodiment, correspondingly, the application further provides a device for issuing the study-assisting loan. The following describes a specific implementation of the apparatus with reference to the embodiments and the drawings.
Device embodiment
Referring to fig. 3, a schematic structural diagram of a learning aid loan issuing device according to an embodiment of the present application is shown. The apparatus 300 is applied to a blockchain that provides an interface for access by schools and bank lending institutions. As shown in fig. 3, the apparatus 300 includes:
the student information storage module 301 is configured to receive and store the student information uploaded by the school, where the student information includes: admission information of students applying for study-assisting loan;
the mutual recognition verification module 302 is used for performing mutual recognition verification on the school and the bank loan institution and providing a first verification result to the bank loan institution so that the bank loan institution issues a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
Therefore, the device 300 for issuing the study-assisting loan provided by the embodiment of the application can realize the on-line application and issuing of the study-assisting loan, simplify the process of issuing the study-assisting loan and provide convenience for students to apply for the study-assisting loan.
Fig. 4 is a schematic structural diagram of another learning aid loan issuing device according to an embodiment of the present application. As shown in fig. 4, the apparatus 400 includes not only the student information storage module 301 and the mutual identification verification module 302, but also:
and the loan record issuing module 303 is used for storing the record of the bank loan institution for the student on learning-aid loan issuance.
Optionally, the above learning-aid loan issuing apparatus 400 further comprises:
a notification module 304, configured to send a notification message of assisted loan issuance to the school;
the mutual recognition verification module 302 is further configured to provide the school with the assisted loan issuance record, so that the school confirms the validity of assisted loan issuance and collects payment according to the notification message and the assisted loan issuance record.
By storing the study-assistant loan issuance records in the block chain, the characteristics of non-falsification and non-forgery of the study-assistant loan application are realized.
Optionally, the assisted loan issuance record comprises: a payment period and a payment amount.
Optionally, the assisted loan issuance record further includes: the identity information of the student and the study-assistant loan application year. The learning aid loan issuance apparatus 400 further includes:
and the repeated application prohibition module 305 is used for prohibiting the student from applying for the assisted loan from another bank loan institution in the assisted loan application year according to the assisted loan issuance record. Therefore, the problem that students may apply for study-assisting loan repeatedly at different bank loan institutions is solved, and the risk born by the bank loan institutions is reduced.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus and system embodiments, since they are substantially similar to the method embodiments, they are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described embodiments of the apparatus and system are merely illustrative, and the units described as separate parts may or may not be physically separate, and the parts suggested as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The above description is only one specific embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present application should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims (10)

1. A method for assisting loan issuance for a block chain, the method comprising:
providing an interface for accessing the block chain to school and bank loan institutions;
after the school and the bank loan institution are both accessed into the block chain, receiving and storing student information uploaded by the school, wherein the student information comprises: admission information of students applying for study-assisting loan;
mutual identification verification is carried out on the school and the bank loan institution, and a first verification result is provided for the bank loan institution so that the bank loan institution can issue a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
2. The method of claim 1, further comprising:
and storing the record of the bank loan institution for the student on the assisted loan issuance.
3. The method of claim 2, further comprising:
sending a notification message of assistant loan issuance to the school;
the mutual identification verification further comprises:
and providing the record of the assisted loan issuance to the school so that the school confirms the effectiveness of the assisted loan issuance and collects the money according to the notification message and the record of the assisted loan issuance.
4. The method of claim 2 or 3, wherein the assisted loan issuance record comprises:
a payment period and a payment amount.
5. The method of claim 4, wherein the assisted loan issuance record further comprises: the identity information of the student and the study-assisting loan application year; the method further comprises the following steps:
and forbidding the student to apply for the study-assisting loan from another bank loan institution in the study-assisting loan application year according to the record of the release of the study-assisting loan.
6. A learning-aid loan issuance apparatus for use in a blockchain providing an interface for access by school and bank lending institutions, the apparatus comprising:
student information storage module for receive and store the student information that the school uploaded, student information includes: admission information of students applying for study-assisting loan;
the mutual recognition verification module is used for mutual recognition verification of the school and the bank loan institution and providing a first verification result to the bank loan institution so that the bank loan institution can issue a study-assisting loan to the student according to the first verification result; the mutual identification verification comprises the following steps: and verifying the student information.
7. The learning-aid loan issuance apparatus according to claim 6, further comprising:
and the loan record issuing module is used for storing the learning-aid loan issuing record of the bank loan institution for the student.
8. The learning-aid loan issuance apparatus according to claim 7, further comprising:
the notification module is used for sending a notification message of the assistant study loan issuance to the school;
the mutual recognition verification module is further used for providing the school with the study-assisting loan issuing record so that the school can confirm the validity of the issuing of the study-assisting loan and collect payment according to the notification message and the study-assisting loan issuing record.
9. The assisted loan issuance apparatus according to claim 7 or 8, wherein the assisted loan issuance record includes:
a payment period and a payment amount.
10. The assisted loan issuance apparatus according to claim 9, wherein the assisted loan issuance record further includes: the identity information of the student and the study-assisting loan application year; the device further comprises:
and the repeated application prohibition module is used for prohibiting the student from applying for the study-assisting loan from another bank loan institution in the study-assisting loan application year according to the study-assisting loan issuance record.
CN202010506478.7A 2020-06-05 2020-06-05 Learning-aid loan issuing method and related device Pending CN111640009A (en)

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CN109816533A (en) * 2017-11-22 2019-05-28 上海钜策网络科技股份有限公司 A kind of virtual resource allocation method and device
CN110333948A (en) * 2019-06-11 2019-10-15 阿里巴巴集团控股有限公司 Virtual resource allocation method and apparatus based on block chain

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20180253464A1 (en) * 2017-03-03 2018-09-06 Mastercard International Incorporated Method and system for storage and transfer of verified data via blockchain
CN109816533A (en) * 2017-11-22 2019-05-28 上海钜策网络科技股份有限公司 A kind of virtual resource allocation method and device
CN108876599A (en) * 2018-07-03 2018-11-23 福建省农村信用社联合社 A kind of poverty alleviation loan administration system
CN109409876A (en) * 2018-09-27 2019-03-01 深圳壹账通智能科技有限公司 Electronic contract signature method, apparatus, equipment and storage medium based on block chain
CN109767336A (en) * 2018-12-27 2019-05-17 福建省农村信用社联合社 It is a kind of based on block chain P2P financing platform fund bank deposit pipe management method
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