CN113674090A - Block chain-based dynamic mortgage supervision method, system, equipment and storage medium - Google Patents
Block chain-based dynamic mortgage supervision method, system, equipment and storage medium Download PDFInfo
- Publication number
- CN113674090A CN113674090A CN202110967344.XA CN202110967344A CN113674090A CN 113674090 A CN113674090 A CN 113674090A CN 202110967344 A CN202110967344 A CN 202110967344A CN 113674090 A CN113674090 A CN 113674090A
- Authority
- CN
- China
- Prior art keywords
- node
- block chain
- mortgage
- credit
- loan
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
Images
Classifications
-
- 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
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
-
- 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
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3827—Use of message hashing
-
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- 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
- G06Q40/08—Insurance
Abstract
The invention discloses a block chain-based dynamic mortgage supervision method, a system, equipment and a storage medium, wherein the method utilizes a block chain technology to realize that transaction data cannot be falsified or forged, ensures the authenticity and integrity of all data in the dynamic mortgage process, and can trace and inquire all transaction data, so that financing banks and loan enterprises can comprehensively and truly master the data value of warehoused goods. In addition, by utilizing the distributed accounting book technology, people account and guarantee that people acquire complete information, so that information transparency and information sharing are realized, and the property of non-falsification is added, so that the mortgage value is lower than the value guaranteed in advance in the dynamic mortgage process due to data falsification of loan enterprises is fundamentally avoided. In addition, the dynamic mortgage loan has financial storage nodes for endorsement, so that the financial attribute is enhanced, the goods are held by an insurance company, and the risk of a financing bank is reduced.
Description
Technical Field
The present invention relates to the field of block chain technology, and in particular, to a block chain-based dynamic mortgage monitoring method, system, device, and computer-readable storage medium.
Background
The dynamic mortgage supervision is to determine the minimum requirement value of the mortgage commodity, the part exceeding the minimum requirement value during the mortgage can be freely stored or extracted, and the material is allowed to be replaced, flowed and renewed according to an appointed mode, so that the method belongs to the type of batch and multiple bill extraction. The dynamic mortgage is one of the mortgage and right-of-stock credit business, which refers to the credit business of an enterprise (or an individual industrial and commercial company) taking the own or the legal owned mortgage of a third person as the mortgage, and is called an approved inventory mode, a bank sets the minimum quota for the commodities of the enterprise mortgage, the commodities above the quota are allowed to be delivered out of the warehouse, and the trusted person can exchange the commodities with goods.
The current dynamic mortgage supervision mode has the following problems:
1. mortgage goods value counterfeiting: enterprises may falsify the value of a mortgage for financing trades, making the value of the mortgage far below the total value guaranteed in advance during dynamic mortgage replacement.
2. Tampering with the dynamic mortgage account or false mortgage, one single mortgage, multiple mortgages, invalid mortgage rights, makes the financing bank unable to monitor the dynamic mortgage condition of the account, thereby failing to achieve financing self-compensation.
3. Where the mortgage goods are physically lost or stolen, the financing bank needs to be charged with the responsibility for compensation.
Disclosure of Invention
The invention provides a block chain-based dynamic mortgage monitoring method, a system, equipment and a computer-readable storage medium, which are used for solving the defects existing in the conventional dynamic mortgage monitoring mode.
According to one aspect of the invention, a block chain based dynamic mortgage management method is provided, which comprises the following steps:
step S1: the loan enterprise node and the financing bank node sign a dynamic mortgage contract on a block chain, meanwhile, the finance storage node evaluates the credit worthiness condition of the loan enterprise node, and the dynamic mortgage contract is signed with an endorsement and uploaded to the block chain after the evaluation is passed;
step S2: the loan enterprise node evaluates the credit worthiness condition of the credit insurance company node, and after the evaluation is passed, the loan enterprise node applies for the credit insurance company node based on the mortgage and applies for the buyer limit;
step S3: the financing bank node evaluates the credit worthiness of the loan enterprise node and the credit insurance company node, signs a claim equity transfer protocol with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signed result to the block chain after the signature is confirmed;
step S4: after preparing mortgages, the loan enterprise node signs a goods mortgage contract with the financing bank node, and after the mortgages are transported to the financial storage node, the financial storage node issues a warehouse receipt and uploads the warehouse receipt to the block chain;
step S5: after the financing bank node verifies the documents on the chain without errors, the financing bank node signs a financing agreement with the loan enterprise node and issues a loan to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at the mortgage above the lowest limit, and extracts the residual mortgage after repaying the loan to the financing bank node.
Further, the step S1 specifically includes the following steps:
step S11: after the loan enterprise node carries out online trading with the financing bank node for good cargo mortgage details, deploying a dynamic mortgage contract on the block chain, encrypting the abstract of the dynamic mortgage contract by using a private key of the loan enterprise node, sending the encrypted abstract to the financing bank node, and recording the encrypted abstract to the block chain;
step S12: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the finance warehousing node after receiving the application, the finance warehousing node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and signs an endorsement in a dynamic mortgage contract and uploads the endorsement to the block chain after the evaluation is passed;
step S13: the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs on the dynamic mortgage contract and records the signature on the block chain after the verification is passed and the contract content is confirmed to be correct.
Further, the step S2 specifically includes the following steps:
step S21: the method comprises the steps that a first entrusting contract for investigating credit insurance company node credit worthiness conditions is deployed on a block chain by a loan enterprise node, a digest of the first entrusting contract is encrypted by using a private key of the loan enterprise node and then sent to a financial storage node, the financial storage node verifies the digest by using a public key of the loan enterprise node, and after the verification is passed and the content of the first entrusting contract is confirmed to be correct, the first entrusting contract is signed and recorded on the block chain;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node generates a first credit investigation table about the credit insurance company node after receiving the credit investigation data of the credit insurance company node, and the first credit investigation table is signed by using a private key and then uploaded to a block chain and sent to the loan enterprise node;
step S23: the loan enterprise node utilizes the public key of the finance warehousing node to carry out verification, after the verification is passed and the credit worthiness condition of the credit insurance company node is evaluated to meet the requirements based on the first credit questionnaire, the loan enterprise node carries out online negotiation with the credit insurance company node to allocate a dynamic mortgage credit insurance comprehensive insurance policy on the block chain after the insurance policy is negotiated with the credit insurance company node, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by utilizing a private key and then uploaded to the block chain and sent to the credit insurance company node;
step S24: the financing bank node deploys a value identification contract for evaluating the value of the collateral on the blockchain, the value identification contract is signed by a private key and then sent to the quality inspection node and recorded on the blockchain, the quality inspection node performs verification by a public key of the financing bank node, and after the verification is passed and the contract content is confirmed to be correct, the value identification contract is signed and confirmed and uploaded to the blockchain;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products of nearly 6 months and provides a value evaluation report after combining the credit management risk requirement of the financing bank node, encrypts the value evaluation report by using a private key of the quality inspection node, sends the value evaluation report to the financing bank node, and records the value evaluation report on a block chain;
step S26: the credit insurance company node determines whether to approve the insurance business handling for the loan enterprise node or not based on the content of the dynamic mortgage credit insurance comprehensive insurance policy and the value evaluation report on the block chain, if so, the dynamic mortgage credit insurance comprehensive insurance policy is generated, signed by a private key and then uploaded to the block chain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys a buyer credit limit application form on the block chain based on the application range of the insurance policy, the buyer credit limit application form is signed and then uploaded to the block chain and sent to the credit insurance company node, the credit insurance company node conducts approval on the buyer credit limit application form, and the buyer credit limit application form is recorded on the block chain after signature confirmation.
Further, the step S3 specifically includes the following steps:
step S31: after the loan enterprise node and the financing bank node release the financing intention of the volume on line, the loan enterprise node deploys a financing application on the block chain, signs by using a private key, records the signature on the block chain and sends the signature to the financing bank node;
step S32: the financing bank node uses the public key of the loan enterprise node to carry out verification, examines the credit worthiness condition of the credit insurance company node on the block chain after the verification is passed, deploys a second entrusting contract for investigating the credit worthiness condition of the loan enterprise node on the block chain, encrypts the second entrusting contract by using a private key, sends the encrypted second entrusting contract to the financial storage node, and records the encrypted second entrusting contract on the block chain;
step S33: the financial storage node verifies by using the public key of the financing bank node, and after the second entrusting contract is determined to be laid by the financing bank node and the entrusting contract content is correct, signature confirmation is carried out by using the private key and the second entrusting contract is recorded on the block chain;
step S34: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives an application to send the credit investigation data of the loan enterprise node to the finance warehousing node, the finance warehousing node receives the credit investigation data of the loan enterprise node, then arranges the credit investigation data to generate a second credit investigation table about the loan enterprise node, signs by using a private key, sends the second credit investigation table to the finance bank node and uploads the second credit investigation table to the block chain;
step S35: the financing bank node utilizes the public key of the finance warehousing node for verification, after the verification is passed, the credit worthiness of the loan enterprise node is evaluated based on a second credit worthiness questionnaire, whether financing is provided for the loan enterprise node is determined after the insurance filing documents and the value evaluation reports on the block chain are examined, if the financing bank node refuses, the transaction is terminated, and if the financing bank node agrees, the financing amount of the loan enterprise node is approved;
step S36: and the loan enterprise node deploys a claim equity transfer protocol on the block chain, and the loan enterprise node, the financing bank node and the credit insurance company node record the data on the block chain after signature confirmation.
Further, the step S4 specifically includes the following steps:
step S41: after preparing mortgages, the loan enterprise node deploys a goods mortgage contract on the blockchain, signs by using a private key and then sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgaged mortgages and then confirms the signatures and records the signatures to the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the block chain, the commodity inspection application form is signed by a private key and then sent to the quality inspection node, the quality inspection node verifies the commodity inspection application form by a public key of the loan enterprise node, and after the verification is passed and the actual mortgage is confirmed to be consistent with the previous value evaluation report, a commodity inspection qualified certificate is issued and signed and then uploaded to the block chain;
step S43: after the loan enterprise node and the credit insurance company node negotiate offline, the loan enterprise node guarantees the mortgage, the credit insurance company node generates a policy according to the quantity and quality of the mortgage, the policy is recorded on the block chain and sent to the loan enterprise node after signature, and the loan enterprise node checks the policy without errors and then signs and confirms and records the policy on the block chain;
step S44: the loan enterprise node deploys a storage logistics contract on the block chain, sends the contract after signing to the financial storage node and records the contract on the block chain, the financial storage node checks the signature without errors and confirms and records the signature on the block chain, and after the loan enterprise node transports the mortgage to an appointed warehouse of the financial parameter node, the financial storage node issues an electronic bill and uploads the electronic bill to the block chain after signing by using a private key.
Further, the step S5 specifically includes the following steps:
step S51: the loan enterprise node declares and pays insurance fee to the credit insurance company node within two weeks after the goods mortgage, and records the insurance fee invoice to the block chain;
step S52: the credit insurance company node checks the value and the quantity of the goods, issues a notice of the insurance acceptance condition of the credit insurance after the goods are confirmed, and uploads the notice to the block chain;
step S53: after the financing bank node verifies the value evaluation report, the commodity inspection qualified certificate, the insurance policy, the electronic warehouse receipt and the credit insurance underwriting condition notice book without errors, a financing protocol is deployed on the block chain, signed by a private key, uploaded to the block chain and sent to the loan enterprise node;
step S54: the loan enterprise node verifies the financing agreement by using the public key of the financing bank node, and after the verification is passed and the agreement content is confirmed to be correct, signature confirmation is carried out and the agreement content is recorded to the block chain;
step S55: the financing bank node remits money of which the amount is not more than 80 percent of the amount of the commercial invoice into an account of the loan enterprise node according to the credit worthiness condition of the loan enterprise node, the settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
step S56: and the Oracle node records the transfer record of remittance from the financing bank node to the loan enterprise node on the block chain, and the loan enterprise node confirms the signature on the transfer record after confirming that the financing money is received and uploads the signature to the block chain.
Further, the step S6 specifically includes the following steps:
step S61: for mortgages above the minimum quota, the loan enterprise node submits a pickup application to the financing bank node, arranges a pickup bill on the block chain, signs and sends the pickup bill to the financing bank node and the quality inspection node;
step S62: the quality inspection node checks the bill of lading, adds a contract description on the block chain after determining that the quantity of lading is above the minimum limit, and records the contract description on the block chain after signing by using a private key;
step S63: the financing bank node verifies the newly-added contract description by using the public key of the quality inspection node, signs and confirms on the delivery bill after the verification is passed, records the signature on the block chain and sends the signature to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks that the bill of lading is correct, signs and records the bill of lading on a block chain, and sends mortgage objects above the minimum limit to the loan enterprise node;
step S65: the loan enterprise node returns the loan interest to the financing bank node, and deploys a delivery bill on the block chain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer records of remittance from the loan enterprise node to the financing bank node to the block chain, the financing bank node confirms the receipt of financing information, signs the transfer records and the bill of lading on the transfer records and the bill of lading and records the transfer records and the bill of lading on the block chain, and sends the bill of lading to the financial storage node;
step S67: and the financial storage node checks the bill of lading, signs and records the bill of lading on the block chain, and releases the residual goods to the loan enterprise node.
In addition, the invention also provides a block chain-based dynamic mortgage management system, which comprises:
the dynamic mortgage loan contract deployment module is used for signing dynamic mortgage loan contracts on the block chain by the loan enterprise node and the financing bank node, meanwhile, the finance storage node evaluates the credit worthiness of the loan enterprise node, and the dynamic mortgage loan contract and the endorsement are signed and uploaded to the block chain after the evaluation is passed;
the insurance management module is used for applying for the credit insurance company node and applying for the buyer limit based on the mortgage after the credit assessment of the loan enterprise node on the credit insurance company node passes;
the claim equity transfer protocol deployment module is used for allowing the financing bank node, the loan enterprise node and the credit insurance company node to sign an claim equity transfer protocol after the financing bank node evaluates the credit conditions of the loan enterprise node and the credit insurance company node, and recording the signed and confirmed claim equity transfer protocol on the block chain;
the goods mortgage contract deployment module is used for signing the goods mortgage contract with the financing bank node after the mortgage is prepared by the credit enterprise node;
the warehouse bill management module is used for transporting the mortgage materials to the financial warehouse nodes at the loan enterprise nodes, and then the financial warehouse nodes can issue warehouse bills and upload the warehouse bills to the block chain;
the financing agreement deployment module is used for the financing bank node to sign the financing agreement with the loan enterprise node after the chain document is checked and correct, and to issue a loan to the loan enterprise node;
and the goods picking management module is used for carrying out mortgage extraction management, the loan enterprise node picks up goods aiming at the mortgage above the lowest limit, and the residual mortgages are extracted after the loan is paid back to the financing bank node.
In addition, the present invention also provides an apparatus comprising a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method by calling the computer program stored in the memory.
In addition, the present invention also provides a computer readable storage medium for storing a computer program for block chain based dynamic mortgage administration, which when run on a computer performs the steps of the method as described above.
The invention has the following effects:
the block chain-based dynamic mortgage supervision method of the invention utilizes the technologies of safe multi-party calculation, homomorphic encryption, Hash algorithm, digital identity, digital signature, block chain distribution mode, data storage structure and the like in the block chain to realize the falsification and forgery prevention of transaction data, ensures the authenticity and integrity of all data in the dynamic mortgage process, and can trace and inquire all transaction data, so that financing banks and loan enterprises can comprehensively and truly master the data value of warehoused goods. In addition, by utilizing the distributed accounting book technology, people account and guarantee that people acquire complete information, so that information transparency and information sharing are realized, and the property of non-falsification is added, so that the mortgage value is lower than the value guaranteed in advance in the dynamic mortgage process due to data falsification of loan enterprises is fundamentally avoided. In addition, the dynamic mortgage loan has financial storage nodes for endorsement, so that the financial attribute is enhanced, the goods are held by an insurance company, and the risk of a financing bank is reduced.
In addition, the block chain-based dynamic mortgage management system, the block chain-based dynamic mortgage management equipment and the computer-readable storage medium have the advantages.
In addition to the objects, features and advantages described above, other objects, features and advantages of the present invention are also provided. The present invention will be described in further detail below with reference to the drawings.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the invention and, together with the description, serve to explain the invention and not to limit the invention. In the drawings:
fig. 1 is a flow chart of a block chain based dynamic mortgage administration method according to a preferred embodiment of the invention.
Fig. 2 is a schematic view of a sub-flow of step S1 in fig. 1.
Fig. 3 is a sub-flowchart of step S2 in fig. 1.
Fig. 4 is a sub-flowchart of step S3 in fig. 1.
Fig. 5 is a sub-flowchart of step S4 in fig. 1.
Fig. 6 is a sub-flowchart of step S5 in fig. 1.
Fig. 7 is a sub-flowchart of step S6 in fig. 1.
Fig. 8 is a block chain-based dynamic mortgage management system according to another embodiment of the present invention.
Detailed Description
The embodiments of the invention will be described in detail below with reference to the accompanying drawings, but the invention can be embodied in many different forms, which are defined and covered by the following description.
As shown in fig. 1, a preferred embodiment of the present invention provides a block chain-based dynamic mortgage management method, which includes the following steps:
step S1: the loan enterprise node and the financing bank node sign a dynamic mortgage contract on a block chain, meanwhile, the finance storage node evaluates the credit worthiness condition of the loan enterprise node, and the dynamic mortgage contract is signed with an endorsement and uploaded to the block chain after the evaluation is passed;
step S2: the loan enterprise node evaluates the credit worthiness condition of the credit insurance company node, and after the evaluation is passed, the loan enterprise node applies for the credit insurance company node based on the mortgage and applies for the buyer limit;
step S3: the financing bank node evaluates the credit worthiness of the loan enterprise node and the credit insurance company node, signs a claim equity transfer protocol with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signed result to the block chain after the signature is confirmed;
step S4: after preparing mortgages, the loan enterprise node signs a goods mortgage contract with the financing bank node, and after the mortgages are transported to the financial storage node, the financial storage node issues a warehouse receipt and uploads the warehouse receipt to the block chain;
step S5: after the financing bank node verifies the documents on the chain without errors, the financing bank node signs a financing agreement with the loan enterprise node and issues a loan to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at the mortgage above the lowest limit, and extracts the residual mortgage after repaying the loan to the financing bank node.
It can be understood that, in the block chain-based dynamic mortgage monitoring method of this embodiment, by using the technologies of secure multi-party calculation, homomorphic encryption, Hash algorithm, digital identity, digital signature, block chain distribution mode, data storage structure, and the like in the block chain, the transaction data is not falsifiable or counterfeitable, the authenticity and integrity of all data in the dynamic mortgage process are ensured, and all transaction data can be traced back and inquired, so that financing banks and loan enterprises can comprehensively and truly master the data value of warehoused goods. In addition, by utilizing the distributed accounting book technology, people account and guarantee that people acquire complete information, so that information transparency and information sharing are realized, and the property of non-falsification is added, so that the mortgage value is lower than the value guaranteed in advance in the dynamic mortgage process due to data falsification of loan enterprises is fundamentally avoided. In addition, the dynamic mortgage loan has financial storage nodes for endorsement, so that the financial attribute is enhanced, the goods are held by an insurance company, and the risk of a financing bank is reduced.
It can be understood that, as shown in fig. 2, the step S1 specifically includes the following steps:
step S11: after the loan enterprise node carries out online trading with the financing bank node for good cargo mortgage details, deploying a dynamic mortgage contract on the block chain, encrypting the abstract of the dynamic mortgage contract by using a private key of the loan enterprise node, sending the encrypted abstract to the financing bank node, and recording the encrypted abstract to the block chain;
step S12: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the finance warehousing node after receiving the application, the finance warehousing node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and signs an endorsement in a dynamic mortgage contract and uploads the endorsement to the block chain after the evaluation is passed;
step S13: the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs on the dynamic mortgage contract and records the signature on the block chain after the verification is passed and the contract content is confirmed to be correct.
It is understood that, in the step S1, in the dynamic mortgage contract signing stage, the finance warehousing node is required to sign and endorse the dynamic mortgage, and the finance warehousing node evaluates the credit worthiness of the loan enterprise node and then performs signature confirmation on the dynamic mortgage contract.
It can be understood that, as shown in fig. 3, the step S2 specifically includes the following steps:
step S21: the method comprises the steps that a first entrusting contract for investigating credit insurance company node credit worthiness conditions is deployed on a block chain by a loan enterprise node, a digest of the first entrusting contract is encrypted by using a private key of the loan enterprise node and then sent to a financial storage node, the financial storage node verifies the digest by using a public key of the loan enterprise node, and after the verification is passed and the content of the first entrusting contract is confirmed to be correct, the first entrusting contract is signed and recorded on the block chain;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node generates a first credit investigation table about the credit insurance company node after receiving the credit investigation data of the credit insurance company node, and the first credit investigation table is signed by using a private key and then uploaded to a block chain and sent to the loan enterprise node;
step S23: the loan enterprise node utilizes the public key of the finance warehousing node to carry out verification, after the verification is passed and the credit worthiness condition of the credit insurance company node is evaluated to meet the requirements based on the first credit questionnaire, the loan enterprise node carries out online negotiation with the credit insurance company node to allocate a dynamic mortgage credit insurance comprehensive insurance policy on the block chain after the insurance policy is negotiated with the credit insurance company node, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by utilizing a private key and then uploaded to the block chain and sent to the credit insurance company node;
step S24: the financing bank node deploys a value identification contract for evaluating the value of the collateral on the blockchain, the value identification contract is signed by a private key and then sent to the quality inspection node and recorded on the blockchain, the quality inspection node performs verification by a public key of the financing bank node, and after the verification is passed and the contract content is confirmed to be correct, the value identification contract is signed and confirmed and uploaded to the blockchain;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products of nearly 6 months and provides a value evaluation report after combining the credit management risk requirement of the financing bank node, encrypts the value evaluation report by using a private key of the quality inspection node, sends the value evaluation report to the financing bank node, and records the value evaluation report on a block chain;
step S26: the credit insurance company node determines whether to approve the insurance business handling for the loan enterprise node or not based on the content of the dynamic mortgage credit insurance comprehensive insurance policy and the value evaluation report on the block chain, if so, the dynamic mortgage credit insurance comprehensive insurance policy is generated, signed by a private key and then uploaded to the block chain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys a buyer credit limit application form on the block chain based on the application range of the insurance policy, the buyer credit limit application form is signed and then uploaded to the block chain and sent to the credit insurance company node, the credit insurance company node conducts approval on the buyer credit limit application form, and the buyer credit limit application form is recorded on the block chain after signature confirmation.
It can be understood that, as shown in fig. 4, the step S3 specifically includes the following steps:
step S31: after the loan enterprise node and the financing bank node release the financing intention of the volume on line, the loan enterprise node deploys a financing application on the block chain, signs by using a private key, records the signature on the block chain and sends the signature to the financing bank node;
step S32: the financing bank node uses the public key of the loan enterprise node to carry out verification, examines the credit worthiness condition of the credit insurance company node on the block chain after the verification is passed, deploys a second entrusting contract for investigating the credit worthiness condition of the loan enterprise node on the block chain, encrypts the second entrusting contract by using a private key, sends the encrypted second entrusting contract to the financial storage node, and records the encrypted second entrusting contract on the block chain;
step S33: the financial storage node verifies by using the public key of the financing bank node, and after the second entrusting contract is determined to be laid by the financing bank node and the entrusting contract content is correct, signature confirmation is carried out by using the private key and the second entrusting contract is recorded on the block chain;
step S34: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives an application to send the credit investigation data of the loan enterprise node to the finance warehousing node, the finance warehousing node receives the credit investigation data of the loan enterprise node, then arranges the credit investigation data to generate a second credit investigation table about the loan enterprise node, signs by using a private key, sends the second credit investigation table to the finance bank node and uploads the second credit investigation table to the block chain;
step S35: the financing bank node utilizes the public key of the finance warehousing node for verification, after the verification is passed, the credit worthiness of the loan enterprise node is evaluated based on a second credit worthiness questionnaire, whether financing is provided for the loan enterprise node is determined after the insurance filing documents and the value evaluation reports on the block chain are examined, if the financing bank node refuses, the transaction is terminated, and if the financing bank node agrees, the financing amount of the loan enterprise node is approved;
step S36: and the loan enterprise node deploys a claim equity transfer protocol on the block chain, and the loan enterprise node, the financing bank node and the credit insurance company node record the data on the block chain after signature confirmation.
It can be understood that, as shown in fig. 5, the step S4 specifically includes the following steps:
step S41: after preparing mortgages, the loan enterprise node deploys a goods mortgage contract on the blockchain, signs by using a private key and then sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgaged mortgages and then confirms the signatures and records the signatures to the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the block chain, the commodity inspection application form is signed by a private key and then sent to the quality inspection node, the quality inspection node verifies the commodity inspection application form by a public key of the loan enterprise node, and after the verification is passed and the actual mortgage is confirmed to be consistent with the previous value evaluation report, a commodity inspection qualified certificate is issued and signed and then uploaded to the block chain;
step S43: after the loan enterprise node and the credit insurance company node negotiate offline, the loan enterprise node guarantees the mortgage, the credit insurance company node generates a policy according to the quantity and quality of the mortgage, the policy is recorded on the block chain and sent to the loan enterprise node after signature, and the loan enterprise node checks the policy without errors and then signs and confirms and records the policy on the block chain;
step S44: the loan enterprise node deploys a storage logistics contract on the block chain, sends the contract after signing to the financial storage node and records the contract on the block chain, the financial storage node checks the signature without errors and confirms and records the signature on the block chain, and after the loan enterprise node transports the mortgage to an appointed warehouse of the financial parameter node, the financial storage node issues an electronic bill and uploads the electronic bill to the block chain after signing by using a private key.
It can be understood that, as shown in fig. 6, the step S5 specifically includes the following steps:
step S51: the loan enterprise node declares and pays insurance fee to the credit insurance company node within two weeks after the goods mortgage, and records the insurance fee invoice to the block chain;
step S52: the credit insurance company node checks the value and the quantity of the goods, issues a notice of the insurance acceptance condition of the credit insurance after the goods are confirmed, and uploads the notice to the block chain;
step S53: after the financing bank node verifies the value evaluation report, the commodity inspection qualified certificate, the insurance policy, the electronic warehouse receipt and the credit insurance underwriting condition notice book without errors, a financing protocol is deployed on the block chain, signed by a private key, uploaded to the block chain and sent to the loan enterprise node;
step S54: the loan enterprise node verifies the financing agreement by using the public key of the financing bank node, and after the verification is passed and the agreement content is confirmed to be correct, signature confirmation is carried out and the agreement content is recorded to the block chain;
step S55: the financing bank node remits money of which the amount is not more than 80 percent of the amount of the commercial invoice into an account of the loan enterprise node according to the credit worthiness condition of the loan enterprise node, the settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
step S56: and the Oracle node records the transfer record of remittance from the financing bank node to the loan enterprise node on the block chain, and the loan enterprise node confirms the signature on the transfer record after confirming that the financing money is received and uploads the signature to the block chain.
It can be understood that, as shown in fig. 7, the step S6 specifically includes the following steps:
step S61: for mortgages above the minimum quota, the loan enterprise node submits a pickup application to the financing bank node, arranges a pickup bill on the block chain, signs and sends the pickup bill to the financing bank node and the quality inspection node;
step S62: the quality inspection node checks the bill of lading, adds a contract description on the block chain after determining that the quantity of lading is above the minimum limit, and records the contract description on the block chain after signing by using a private key;
step S63: the financing bank node verifies the newly-added contract description by using the public key of the quality inspection node, signs and confirms on the delivery bill after the verification is passed, records the signature on the block chain and sends the signature to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks that the bill of lading is correct, signs and records the bill of lading on a block chain, and sends mortgage objects above the minimum limit to the loan enterprise node;
step S65: the loan enterprise node returns the loan interest to the financing bank node, and deploys a delivery bill on the block chain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer records of remittance from the loan enterprise node to the financing bank node to the block chain, the financing bank node confirms the receipt of financing information, signs the transfer records and the bill of lading on the transfer records and the bill of lading and records the transfer records and the bill of lading on the block chain, and sends the bill of lading to the financial storage node;
step S67: and the financial storage node checks the bill of lading, signs and records the bill of lading on the block chain, and releases the residual goods to the loan enterprise node.
The block chain-based dynamic mortgage monitoring method can be understood to publish the complete information of the whole dynamic mortgage process on the chain through the block chain technology, and through the consensus mechanism and repeated confirmation of each node, people carry out bookkeeping, so that the information is guaranteed to be untrustable and transparent and open, the integrity, the non-damage, the trueness and the reliability of the information are guaranteed, and the credit risk of all parties is reduced. In a traditional mode, each participating main body in the transaction is divided into different administrative departments, information islands exist among the parties, the participating main bodies usually consume a large amount of time cost and money cost due to the asymmetric information problem, and the transaction efficiency and the transaction success rate are greatly reduced. The important participating nodes form a chain by utilizing a block chain technology, transaction information of each node is recorded and linked, the whole process is public and transparent, the security and efficiency of transaction are improved, the credit problem of each participating subject is solved, a trust mechanism in dynamic mortgage is reconstructed, all information on the chain has traceability, the transaction cost is greatly saved, and the security in the transaction efficiency and the dynamic process is improved. In addition, technologies such as asymmetric encryption technology, intelligent contract technology, Hash algorithm, digital signature and identity authentication in a block chain are utilized, processes such as examination, document making, telegraph and mailing and the like which occupy a large amount of manpower and time in the traditional settlement process are replaced, the verification efficiency of various document certificates is improved, the dynamic mortgage process is simplified, and the intelligent and rapid operation of the whole dynamic mortgage process under the premise of ensuring the safety can be promoted. Moreover, through the integration of the supply chain, financial tools are innovated, so that the warehouse generates new financial attributes. With the help of financial institutions, warehouse-type logistics enterprises can effectively organize and regulate the flow of money funds in supply chains, provide services such as financing, settlement, insurance and the like for the enterprises, provide effective fund occupation transfer for the operation of supply chain logistics, and realize new value exchange and circulation. The organic combination of the commodity flow, the logistics and the fund flow enables different enterprises in the supply chain to obtain high added values.
In addition, as shown in fig. 8, another embodiment of the present invention further provides a block chain-based dynamic mortgage management system, preferably using the method of the above embodiment, the system including:
the dynamic mortgage loan contract deployment module is used for signing dynamic mortgage loan contracts on the block chain by the loan enterprise node and the financing bank node, meanwhile, the finance storage node evaluates the credit worthiness of the loan enterprise node, and the dynamic mortgage loan contract and the endorsement are signed and uploaded to the block chain after the evaluation is passed;
the insurance management module is used for applying for the credit insurance company node and applying for the buyer limit based on the mortgage after the credit assessment of the loan enterprise node on the credit insurance company node passes;
the claim equity transfer protocol deployment module is used for allowing the financing bank node, the loan enterprise node and the credit insurance company node to sign an claim equity transfer protocol after the financing bank node evaluates the credit conditions of the loan enterprise node and the credit insurance company node, and recording the signed and confirmed claim equity transfer protocol on the block chain;
the goods mortgage contract deployment module is used for signing the goods mortgage contract with the financing bank node after the mortgage is prepared by the credit enterprise node;
the warehouse bill management module is used for transporting the mortgage materials to the financial warehouse nodes at the loan enterprise nodes, and then the financial warehouse nodes can issue warehouse bills and upload the warehouse bills to the block chain;
the financing agreement deployment module is used for the financing bank node to sign the financing agreement with the loan enterprise node after the chain document is checked and correct, and to issue a loan to the loan enterprise node;
and the goods picking management module is used for carrying out mortgage extraction management, the loan enterprise node picks up goods aiming at the mortgage above the lowest limit, and the residual mortgages are extracted after the loan is paid back to the financing bank node.
It can be understood that, the block chain-based dynamic mortgage monitoring system of the embodiment utilizes the technologies of secure multi-party calculation, homomorphic encryption, Hash algorithm, digital identity, digital signature, block chain distribution mode, data storage structure and the like in the block chain to realize the falsification and forgery prevention of transaction data, and ensures the authenticity and integrity of all data in the dynamic mortgage process, and all transaction data can be traced back and inquired, so that financing banks and loan enterprises can comprehensively and truly master the data value of warehoused goods. In addition, by utilizing the distributed accounting book technology, people account and guarantee that people acquire complete information, so that information transparency and information sharing are realized, and the property of non-falsification is added, so that the mortgage value is lower than the value guaranteed in advance in the dynamic mortgage process due to data falsification of loan enterprises is fundamentally avoided. In addition, the dynamic mortgage loan has financial storage nodes for endorsement, so that the financial attribute is enhanced, the goods are held by an insurance company, and the risk of a financing bank is reduced.
In addition, each module in the system of this embodiment corresponds to each step in the method of the above embodiment, so the working process of each module is not described herein again, and reference may be made to the method embodiment.
In addition, another embodiment of the present invention further provides an apparatus, which includes a processor and a memory, wherein the memory stores a computer program, and the processor is used for executing the steps of the method described above by calling the computer program stored in the memory.
In addition, another embodiment of the present invention further provides a computer readable storage medium for storing a computer program for block chain based dynamic mortgage administration, which when run on a computer performs the steps of the method as described above.
Typical forms of computer-readable storage media include: floppy disk (floppy disk), flexible disk (flexible disk), hard disk, magnetic tape, any of its magnetic media, CD-ROM, any of the other optical media, punch cards (punch cards), paper tape (paper tape), any of the other physical media with patterns of holes, Random Access Memory (RAM), Programmable Read Only Memory (PROM), Erasable Programmable Read Only Memory (EPROM), FLASH erasable programmable read only memory (FLASH-EPROM), any of the other memory chips or cartridges, or any of the other media from which a computer can read. The instructions may further be transmitted or received by a transmission medium. The term transmission medium may include any tangible or intangible medium that is operable to store, encode, or carry instructions for execution by the machine, and includes digital or analog communications signals or intangible medium that facilitates communication of the instructions. Transmission media include coaxial cables, copper wire and fiber optics, including the wires that comprise a bus for transmitting a computer data signal.
The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, or improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (10)
1. A block chain-based dynamic mortgage management method is characterized by comprising the following steps:
step S1: the loan enterprise node and the financing bank node sign a dynamic mortgage contract on a block chain, meanwhile, the finance storage node evaluates the credit worthiness condition of the loan enterprise node, and the dynamic mortgage contract is signed with an endorsement and uploaded to the block chain after the evaluation is passed;
step S2: the loan enterprise node evaluates the credit worthiness condition of the credit insurance company node, and after the evaluation is passed, the loan enterprise node applies for the credit insurance company node based on the mortgage and applies for the buyer limit;
step S3: the financing bank node evaluates the credit worthiness of the loan enterprise node and the credit insurance company node, signs a claim equity transfer protocol with the loan enterprise node and the credit insurance company node after the evaluation is passed, and records the signed result to the block chain after the signature is confirmed;
step S4: after preparing mortgages, the loan enterprise node signs a goods mortgage contract with the financing bank node, and after the mortgages are transported to the financial storage node, the financial storage node issues a warehouse receipt and uploads the warehouse receipt to the block chain;
step S5: after the financing bank node verifies the documents on the chain without errors, the financing bank node signs a financing agreement with the loan enterprise node and issues a loan to the loan enterprise node;
step S6: the loan enterprise node carries out goods picking aiming at the mortgage above the lowest limit, and extracts the residual mortgage after repaying the loan to the financing bank node.
2. The block chain-based dynamic mortgage supervision method according to claim 1, wherein the step S1 specifically includes the following contents:
step S11: after the loan enterprise node carries out online trading with the financing bank node for good cargo mortgage details, deploying a dynamic mortgage contract on the block chain, encrypting the abstract of the dynamic mortgage contract by using a private key of the loan enterprise node, sending the encrypted abstract to the financing bank node, and recording the encrypted abstract to the block chain;
step S12: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node sends the credit investigation data of the loan enterprise node to the finance warehousing node after receiving the application, the finance warehousing node evaluates the credit investigation condition of the loan enterprise node based on the credit investigation data of the loan enterprise node, and signs an endorsement in a dynamic mortgage contract and uploads the endorsement to the block chain after the evaluation is passed;
step S13: the financing bank node verifies the abstract by using the public key of the loan enterprise node, signs on the dynamic mortgage contract and records the signature on the block chain after the verification is passed and the contract content is confirmed to be correct.
3. The block chain-based dynamic mortgage supervision method according to claim 2, wherein the step S2 specifically includes the following contents:
step S21: the method comprises the steps that a first entrusting contract for investigating credit insurance company node credit worthiness conditions is deployed on a block chain by a loan enterprise node, a digest of the first entrusting contract is encrypted by using a private key of the loan enterprise node and then sent to a financial storage node, the financial storage node verifies the digest by using a public key of the loan enterprise node, and after the verification is passed and the content of the first entrusting contract is confirmed to be correct, the first entrusting contract is signed and recorded on the block chain;
step S22: the financial storage node requests the Oracle node to call credit investigation data of the credit insurance company node, the Oracle node sends the credit investigation data of the credit insurance company node to the financial storage node after receiving the application, the financial storage node generates a first credit investigation table about the credit insurance company node after receiving the credit investigation data of the credit insurance company node, and the first credit investigation table is signed by using a private key and then uploaded to a block chain and sent to the loan enterprise node;
step S23: the loan enterprise node utilizes the public key of the finance warehousing node to carry out verification, after the verification is passed and the credit worthiness condition of the credit insurance company node is evaluated to meet the requirements based on the first credit questionnaire, the loan enterprise node carries out online negotiation with the credit insurance company node to allocate a dynamic mortgage credit insurance comprehensive insurance policy on the block chain after the insurance policy is negotiated with the credit insurance company node, and the dynamic mortgage credit insurance comprehensive insurance policy is signed by utilizing a private key and then uploaded to the block chain and sent to the credit insurance company node;
step S24: the financing bank node deploys a value identification contract for evaluating the value of the collateral on the blockchain, the value identification contract is signed by a private key and then sent to the quality inspection node and recorded on the blockchain, the quality inspection node performs verification by a public key of the financing bank node, and after the verification is passed and the contract content is confirmed to be correct, the value identification contract is signed and confirmed and uploaded to the blockchain;
step S25: the quality inspection node evaluates the value of the mortgage according to the value identification contract requirement, refers to the price trend of similar products of nearly 6 months and provides a value evaluation report after combining the credit management risk requirement of the financing bank node, encrypts the value evaluation report by using a private key of the quality inspection node, sends the value evaluation report to the financing bank node, and records the value evaluation report on a block chain;
step S26: the credit insurance company node determines whether to approve the insurance business handling for the loan enterprise node or not based on the content of the dynamic mortgage credit insurance comprehensive insurance policy and the value evaluation report on the block chain, if so, the dynamic mortgage credit insurance comprehensive insurance policy is generated, signed by a private key and then uploaded to the block chain and sent to the loan enterprise node;
step S27: the loan enterprise node deploys a buyer credit limit application form on the block chain based on the application range of the insurance policy, the buyer credit limit application form is signed and then uploaded to the block chain and sent to the credit insurance company node, the credit insurance company node conducts approval on the buyer credit limit application form, and the buyer credit limit application form is recorded on the block chain after signature confirmation.
4. The block chain-based dynamic mortgage supervision method according to claim 3, wherein the step S3 specifically includes the following contents:
step S31: after the loan enterprise node and the financing bank node release the financing intention of the volume on line, the loan enterprise node deploys a financing application on the block chain, signs by using a private key, records the signature on the block chain and sends the signature to the financing bank node;
step S32: the financing bank node uses the public key of the loan enterprise node to carry out verification, examines the credit worthiness condition of the credit insurance company node on the block chain after the verification is passed, deploys a second entrusting contract for investigating the credit worthiness condition of the loan enterprise node on the block chain, encrypts the second entrusting contract by using a private key, sends the encrypted second entrusting contract to the financial storage node, and records the encrypted second entrusting contract on the block chain;
step S33: the financial storage node verifies by using the public key of the financing bank node, and after the second entrusting contract is determined to be laid by the financing bank node and the entrusting contract content is correct, signature confirmation is carried out by using the private key and the second entrusting contract is recorded on the block chain;
step S34: the finance warehousing node requests the Oracle node to call credit investigation data of the loan enterprise node, the Oracle node receives an application to send the credit investigation data of the loan enterprise node to the finance warehousing node, the finance warehousing node receives the credit investigation data of the loan enterprise node, then arranges the credit investigation data to generate a second credit investigation table about the loan enterprise node, signs by using a private key, sends the second credit investigation table to the finance bank node and uploads the second credit investigation table to the block chain;
step S35: the financing bank node utilizes the public key of the finance warehousing node for verification, after the verification is passed, the credit worthiness of the loan enterprise node is evaluated based on a second credit worthiness questionnaire, whether financing is provided for the loan enterprise node is determined after the insurance filing documents and the value evaluation reports on the block chain are examined, if the financing bank node refuses, the transaction is terminated, and if the financing bank node agrees, the financing amount of the loan enterprise node is approved;
step S36: and the loan enterprise node deploys a claim equity transfer protocol on the block chain, and the loan enterprise node, the financing bank node and the credit insurance company node record the data on the block chain after signature confirmation.
5. The block chain-based dynamic mortgage supervision method according to claim 4, wherein the step S4 specifically includes the following contents:
step S41: after preparing mortgages, the loan enterprise node deploys a goods mortgage contract on the blockchain, signs by using a private key and then sends the mortgage contract to the financing bank node, and the financing bank node checks the mortgaged mortgages and then confirms the signatures and records the signatures to the blockchain;
step S42: the loan enterprise node deploys a commodity inspection application form on the block chain, the commodity inspection application form is signed by a private key and then sent to the quality inspection node, the quality inspection node verifies the commodity inspection application form by a public key of the loan enterprise node, and after the verification is passed and the actual mortgage is confirmed to be consistent with the previous value evaluation report, a commodity inspection qualified certificate is issued and signed and then uploaded to the block chain;
step S43: after the loan enterprise node and the credit insurance company node negotiate offline, the loan enterprise node guarantees the mortgage, the credit insurance company node generates a policy according to the quantity and quality of the mortgage, the policy is recorded on the block chain and sent to the loan enterprise node after signature, and the loan enterprise node checks the policy without errors and then signs and confirms and records the policy on the block chain;
step S44: the loan enterprise node deploys a storage logistics contract on the block chain, sends the contract after signing to the financial storage node and records the contract on the block chain, the financial storage node checks the signature without errors and confirms and records the signature on the block chain, and after the loan enterprise node transports the mortgage to an appointed warehouse of the financial parameter node, the financial storage node issues an electronic bill and uploads the electronic bill to the block chain after signing by using a private key.
6. The block chain-based dynamic mortgage supervision method according to claim 5, wherein the step S5 specifically includes the following contents:
step S51: the loan enterprise node declares and pays insurance fee to the credit insurance company node within two weeks after the goods mortgage, and records the insurance fee invoice to the block chain;
step S52: the credit insurance company node checks the value and the quantity of the goods, issues a notice of the insurance acceptance condition of the credit insurance after the goods are confirmed, and uploads the notice to the block chain;
step S53: after the financing bank node verifies the value evaluation report, the commodity inspection qualified certificate, the insurance policy, the electronic warehouse receipt and the credit insurance underwriting condition notice book without errors, a financing protocol is deployed on the block chain, signed by a private key, uploaded to the block chain and sent to the loan enterprise node;
step S54: the loan enterprise node verifies the financing agreement by using the public key of the financing bank node, and after the verification is passed and the agreement content is confirmed to be correct, signature confirmation is carried out and the agreement content is recorded to the block chain;
step S55: the financing bank node remits money of which the amount is not more than 80 percent of the amount of the commercial invoice into an account of the loan enterprise node according to the credit worthiness condition of the loan enterprise node, the settlement mode, the goods sales condition and the goods mortgage credit insurance condition;
step S56: and the Oracle node records the transfer record of remittance from the financing bank node to the loan enterprise node on the block chain, and the loan enterprise node confirms the signature on the transfer record after confirming that the financing money is received and uploads the signature to the block chain.
7. The block chain-based dynamic mortgage supervision method according to claim 1, wherein the step S6 specifically includes the following contents:
step S61: for mortgages above the minimum quota, the loan enterprise node submits a pickup application to the financing bank node, arranges a pickup bill on the block chain, signs and sends the pickup bill to the financing bank node and the quality inspection node;
step S62: the quality inspection node checks the bill of lading, adds a contract description on the block chain after determining that the quantity of lading is above the minimum limit, and records the contract description on the block chain after signing by using a private key;
step S63: the financing bank node verifies the newly-added contract description by using the public key of the quality inspection node, signs and confirms on the delivery bill after the verification is passed, records the signature on the block chain and sends the signature to the financial storage node and the loan enterprise node;
step S64: the financial storage node checks that the bill of lading is correct, signs and records the bill of lading on a block chain, and sends mortgage objects above the minimum limit to the loan enterprise node;
step S65: the loan enterprise node returns the loan interest to the financing bank node, and deploys a delivery bill on the block chain to apply for extracting the residual goods;
step S66: the Oracle node records the transfer records of remittance from the loan enterprise node to the financing bank node to the block chain, the financing bank node confirms the receipt of financing information, signs the transfer records and the bill of lading on the transfer records and the bill of lading and records the transfer records and the bill of lading on the block chain, and sends the bill of lading to the financial storage node;
step S67: and the financial storage node checks the bill of lading, signs and records the bill of lading on the block chain, and releases the residual goods to the loan enterprise node.
8. A block chain based dynamic mortgage surveillance system, comprising:
the dynamic mortgage loan contract deployment module is used for signing dynamic mortgage loan contracts on the block chain by the loan enterprise node and the financing bank node, meanwhile, the finance storage node evaluates the credit worthiness of the loan enterprise node, and the dynamic mortgage loan contract and the endorsement are signed and uploaded to the block chain after the evaluation is passed;
the insurance management module is used for applying for the credit insurance company node and applying for the buyer limit based on the mortgage after the credit assessment of the loan enterprise node on the credit insurance company node passes;
the claim equity transfer protocol deployment module is used for allowing the financing bank node, the loan enterprise node and the credit insurance company node to sign an claim equity transfer protocol after the financing bank node evaluates the credit conditions of the loan enterprise node and the credit insurance company node, and recording the signed and confirmed claim equity transfer protocol on the block chain;
the goods mortgage contract deployment module is used for signing the goods mortgage contract with the financing bank node after the mortgage is prepared by the credit enterprise node;
the warehouse bill management module is used for transporting the mortgage materials to the financial warehouse nodes at the loan enterprise nodes, and then the financial warehouse nodes can issue warehouse bills and upload the warehouse bills to the block chain;
the financing agreement deployment module is used for the financing bank node to sign the financing agreement with the loan enterprise node after the chain document is checked and correct, and to issue a loan to the loan enterprise node;
and the goods picking management module is used for carrying out mortgage extraction management, the loan enterprise node picks up goods aiming at the mortgage above the lowest limit, and the residual mortgages are extracted after the loan is paid back to the financing bank node.
9. An apparatus comprising a processor and a memory, the memory having stored therein a computer program, the processor being configured to perform the steps of the method of any one of claims 1 to 7 by invoking the computer program stored in the memory.
10. A computer-readable storage medium storing a computer program for block chain based dynamic mortgage administration, the computer program, when run on a computer, performing the steps of the method according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110967344.XA CN113674090B (en) | 2021-08-23 | 2021-08-23 | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110967344.XA CN113674090B (en) | 2021-08-23 | 2021-08-23 | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN113674090A true CN113674090A (en) | 2021-11-19 |
| CN113674090B CN113674090B (en) | 2023-09-26 |
Family
ID=78545052
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202110967344.XA Active CN113674090B (en) | 2021-08-23 | 2021-08-23 | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN113674090B (en) |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114638697A (en) * | 2022-05-18 | 2022-06-17 | 浙江数秦科技有限公司 | Small loan management system based on block chain |
| CN114881772A (en) * | 2022-07-05 | 2022-08-09 | 浙江数秦科技有限公司 | Loan processing method based on block chain |
| CN117495551A (en) * | 2024-01-03 | 2024-02-02 | 蓝色火焰科技成都有限公司 | Logistics financial product analysis method, device, system and storage medium |
Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110033364A (en) * | 2019-04-02 | 2019-07-19 | 湖南大学 | Dynamic based on block chain pledges inventory financing method and system, storage medium |
| CN111144884A (en) * | 2019-12-16 | 2020-05-12 | 湖南大学 | Method and storage medium for import deposit and remittance under credit item based on block chain |
| CN111161045A (en) * | 2019-12-17 | 2020-05-15 | 湖南大学 | Method and storage medium for exporting seller credit based on blockchain |
| CN112258101A (en) * | 2020-09-18 | 2021-01-22 | 湖南大学 | Logistics financing processing method and storage medium based on block chain payment |
| CN113065959A (en) * | 2021-02-26 | 2021-07-02 | 上海金融期货信息技术有限公司 | Agricultural product warehouse bill management and mortgage financing system based on block chain |
-
2021
- 2021-08-23 CN CN202110967344.XA patent/CN113674090B/en active Active
Patent Citations (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110033364A (en) * | 2019-04-02 | 2019-07-19 | 湖南大学 | Dynamic based on block chain pledges inventory financing method and system, storage medium |
| CN111144884A (en) * | 2019-12-16 | 2020-05-12 | 湖南大学 | Method and storage medium for import deposit and remittance under credit item based on block chain |
| CN111161045A (en) * | 2019-12-17 | 2020-05-15 | 湖南大学 | Method and storage medium for exporting seller credit based on blockchain |
| CN112258101A (en) * | 2020-09-18 | 2021-01-22 | 湖南大学 | Logistics financing processing method and storage medium based on block chain payment |
| CN113065959A (en) * | 2021-02-26 | 2021-07-02 | 上海金融期货信息技术有限公司 | Agricultural product warehouse bill management and mortgage financing system based on block chain |
Non-Patent Citations (1)
| Title |
|---|
| 张建新;: "金融仓储业务模式及其风险防范", 铁路采购与物流, no. 03 * |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114638697A (en) * | 2022-05-18 | 2022-06-17 | 浙江数秦科技有限公司 | Small loan management system based on block chain |
| CN114638697B (en) * | 2022-05-18 | 2022-11-15 | 浙江数秦科技有限公司 | Small loan management system based on block chain |
| CN114881772A (en) * | 2022-07-05 | 2022-08-09 | 浙江数秦科技有限公司 | Loan processing method based on block chain |
| CN114881772B (en) * | 2022-07-05 | 2022-09-23 | 浙江数秦科技有限公司 | Loan processing method based on block chain |
| CN117495551A (en) * | 2024-01-03 | 2024-02-02 | 蓝色火焰科技成都有限公司 | Logistics financial product analysis method, device, system and storage medium |
| CN117495551B (en) * | 2024-01-03 | 2024-03-12 | 蓝色火焰科技成都有限公司 | Logistics financial product analysis method, device, system and storage medium |
Also Published As
| Publication number | Publication date |
|---|---|
| CN113674090B (en) | 2023-09-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN111222996B (en) | Method and storage medium for trade risk financing based on blockchain | |
| CN113674090B (en) | Dynamic mortgage loan supervision method, system, equipment and storage medium based on blockchain | |
| CN111080435B (en) | Block chain-based import accounting method and computer-readable storage medium | |
| CN111179082B (en) | Method for carrying out commodity picking guarantee based on block chain and storage medium | |
| CN111144884A (en) | Method and storage medium for import deposit and remittance under credit item based on block chain | |
| CN112258100B (en) | Method for financing replacement purchase logistics based on blockchain and storage medium | |
| CN111259077B (en) | Method for carrying out import escort under consignment item based on blockchain and storage medium | |
| CN112258101B (en) | Logistics financing processing method and storage medium for pad payment based on blockchain | |
| CN112862475B (en) | Order financing method, system, equipment and storage medium based on block chain | |
| CN111161045B (en) | Method and storage medium for exporting seller credit based on blockchain | |
| CN111160906A (en) | Method and storage medium for import deposit under remittance based on block chain | |
| CN111260459A (en) | Method for packaging loan based on block chain and computer readable storage medium | |
| CN113674080A (en) | Block chain-based dynamic movable property pledge financing method, equipment and storage medium | |
| CN111199479B (en) | Block chain-based method for carrying out import overseas payment and storage medium | |
| CN113657995A (en) | Block chain-based warehouse receipt pledge financing method, system, equipment and storage medium | |
| CN111210342B (en) | Method and storage medium for exporting buying credit based on blockchain | |
| CN112258102A (en) | Block chain-based logistics financing processing method and medium for pad-collection payment | |
| CN113850597A (en) | Block chain-based warehouse sheet pledge logistics financing method, device, equipment and medium | |
| CN111222980B (en) | Method for carrying out export credit item lower discount based on blockchain and storage medium | |
| CN111161081B (en) | Method and storage medium for third party guarantee of Fu Fei Ting based on blockchain | |
| CN113674098A (en) | Non-standard warehouse receipt pledge financing method, device and equipment based on block chain | |
| CN113850596A (en) | Block chain-based spot material escort financing method, device, equipment and storage medium | |
| CN113628040A (en) | Floating pledge financing method, device and equipment under live property guarantee based on block chain | |
| CN113869894A (en) | Block chain-based domestic trade credit insurance financing method and device | |
| CN113850595A (en) | Export back-to-back insurance financing method and device based on block chain and electronic equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant |