TW202103083A - Financial credit system exempting from credit rating and safety financing method thereof, verification device, computer program product and computer readable recording media capable of integrating cash flow and enhancing efficiency of credit transaction market - Google Patents

Abstract

The invention provides a financial credit system exempting from credit rating and its safety financing method, wherein the financial credit system comprises more than one devices capable of processing credit points. When a credit trader uses the device, the device executes the following steps: transmitting registered information containing a public key to a node of a block chain through the network module to register a user account for a smart contract on the block chain; paying a number of currencies for the smart contract, in which the smart contract would record credit points corresponding to the amount to a credit account corresponding to the user account. The owner of the user account performs financing with respect to the credit points in the credit account while having fund demand, thereby satisfying the fund demand.

Description

Credit rating-free financial credit system and its safe financing method, authentication device, computer program product and computer readable recording medium

The present invention relates to a financial credit system, in particular to a financial credit system free of credit rating and its safe financing method.

Transaction is an indispensable social behavior of human society. Since bartering, the mode of transaction is advancing with each passing day. Nowadays, transactions in the complex and huge financial system are not easily understood by outsiders. However, what underpins these transactions is "credit" that has never changed.

Invisible and intangible credit can become the backbone of modern financial transactions. The key lies in people's confidence in the repayment ability of banks. In turn, the confidence of banks in individuals or legal persons cannot be so leisurely as metaphysical confidence. Credit rating agencies such as the Levy Center came into being accordingly.

However, institutions such as the Joint Collection Center need to obtain consumer consumption information, insured amount, employment information, and credit status to establish consumer credit ratings, etc. This is not only time-consuming, but also a serious violation of people’s privacy. On the other hand, people He was also forced to be exposed to the risk of data leakage.

As the current financial system still has a lot of room for improvement in its inclusiveness and immediacy, there is a need for development that does not rely on collecting private information from the public, personal credit is not controlled by a single central institution, and can improve the existing credit evaluation and loan process. A system that integrates cash flow and improves the efficiency of credit finance.

In view of the above, the main technical means of the present invention is to propose a secure financing method for processing credit points. The method is connected to a node of a blockchain via a network and a device capable of processing credit points performs the following steps : Send registration information containing a public key to the node to register a user account for a smart contract on the blockchain; and pay a quantity of currency for the smart contract, and make the credit trader accordingly In one of the credit accounts corresponding to the user account registered by the smart contract, the credit points of the corresponding amount of currency are recorded. The owner of the user account can finance the credit points in the credit account when there is a demand for funds to meet the demand for funds.

In summary, the financial credit system provided by the embodiments of the present invention and the authentication device used with it can eliminate the need to rely on traditional credit rating agencies, so there is no need to rely on the collection of private information of the people, and personal credit is therefore not subject to a single central agency. Control and improve the existing credit evaluation process, integrate cash flow, and improve the efficiency of the credit trading market.

In order to further understand the features and technical content of the present invention, please refer to the following detailed descriptions and drawings about the present invention, but these descriptions and the accompanying drawings are only used to illustrate the present invention, not the rights to the present invention. The scope is subject to any restrictions.

In the following content, please refer to the drawings to understand the operation of the financial credit system of the present invention through various example descriptions of the embodiments.

In order to provide a financial credit system that does not need to rely on traditional credit rating agencies while protecting personal privacy and social information security, the present invention proposes a financial credit system that uses blockchain technology to implement credit-free ratings and can process the credit points generated by the system Devices and safe financing methods.

Please refer to FIG. 1. FIG. 1 is a schematic diagram of an embodiment of the connection relationship between credit traders and the blockchain. As shown in FIG. 1, a plurality of credit traders are connected to the blockchain 1 through the financial credit system 10. Each financial credit system 10 represents a credit trader. The credit trader can trade with the smart contract in the blockchain 1 and/or trigger the smart contract through the application or web program running on the device 10 The corresponding program script in. In this embodiment, although the blockchain 1 is abstractly expressed as an image of a chain, in fact the blockchain referred to in this embodiment is a network composed of a plurality of node hosts connected to each other. , Each node host stores a serial transaction record (also called a section) that is connected and protected by cryptography. Each section contains the cryptographic hash function of the previous section, the corresponding time stamp and transaction data. This design will make the section content difficult to be tampered with, so it has high credibility. Using the distributed serial transaction record connected by the blockchain allows each host with the transaction record to effectively continue to record the transaction, and to permanently check each recorded transaction. In this embodiment, the section stored in the blockchain includes the registration information from the credit trader, the number of available credit points, the number of credit points to be repaid, the preset interest conditions, the cryptocurrency balance, and smart contract information. Program scripts, etc. In a preferred embodiment, the node host used is a public node host to save the cost of maintenance and operation of the host.

Please refer to FIG. 2, which is a functional block diagram of the financial credit system 10. The financial credit system 10 includes a processor 101, a network module 102 and a storage unit 103. The storage unit 103 is used to store a program code. When the program code is executed by the processor, the financial credit system 10 executes corresponding steps. In a preferred embodiment, the code is the code of an application program (APP). However, in another embodiment, the code can also be the code of a webpage program. For the same effect, the present invention is not limited to this. For example, in another preferred embodiment and its variants, at least part of the program code can be configured to receive the computer-readable stored in a computer-readable medium Instruct a machine to implement and/or implement. The instructions are preferably executed by a computer execution element integrated in the lithography system and one or more parts of the processor and/or controller that implements the system. Computer-readable media can be stored on any suitable computer storage device, such as random dynamic memory, read-only memory, flash memory, electronically erasable rewritable read-only memory, optical device (CD or DVD) , Hard disk, floppy disk, or any suitable device. The computer-readable component is preferably a general-purpose or application-specific processor, but any suitable dedicated hardware or a combination of hardware/firmware can also or otherwise be used to execute the instructions.

In one embodiment, in order to explain the action relationship between the credit trader and the credit trader in more detail, please refer to FIG. 3, which is an example of the action relationship between the multiple financial credit systems 10 and the blockchain 1 of the present invention. Schematic diagram of an embodiment. As shown in Figure 3, the financial credit system 10 will need the registration information provided by the credit trader 12 to set the credit account of the credit trader 12 on the smart contract when it is just connected to the blockchain 1, for example, credit Account name, password, real-name verification information, preset interest conditions, and preset timeliness and other registration information, so that the registration information of the financial credit system 10 together with a public key of the financial credit system 10 will be packaged into a transaction message through the network module The group 102 is sent to a node on the blockchain 1, and after the transaction message is verified, it is written into the smart contract 11 stored on the blockchain 1 to complete the registration.

In one embodiment, after the registration is completed, the credit trader 12 has a credit account for the smart contract 11 and can conduct a trust transaction (transction) to the smart contract 11. The content of the trust transaction includes the credit account pair of the credit trader 12 The smart contract 11 pays an amount of currency, preferably a cryptocurrency; at the same time, the smart contract 11 records the credit points corresponding to the amount of currency in the credit account of the credit trader 12, so that the credit account of the credit trader 12 starts to have The number of credits used. For example, the user account registered by the credit trader 12 can pay the smart contract 11 worth 5000 USD in cryptocurrency, and the smart contract 11 corresponds to the record in a credit account corresponding to the user account registered by the credit trader 12 5000 credits. The credit trader 12 can check how many credit points are currently available through a user interface (not shown) provided by the financial credit system 10. In a preferred embodiment, the financial credit system 10 can integrate an electronic wallet of the credit user 12, and the user interface can also display how much cryptocurrency the electronic wallet currently has available.

The foundation of the design of the financial credit system 10 is that the credit trader 12 can come to set other users who know and are willing to provide credit points as friends, and distribute the credit points recorded by the above-mentioned asset trust to the friends in the circle of friends for use. In one embodiment, the credit trader 12 can trade the smart contract 11 through the financial credit system 10 to trigger the smart contract 11 to execute a credit point allocation program script to correspond to the user account registered by the credit trader 12 The use authority of the credit points under the credit account is transferred to the credit account corresponding to the user account registered by other credit traders in the circle of friends. In one example, the credit trader 12 can set the credit trader 13 as a friend, and set the permission to use 4000 credits out of the 5000 credits in the credit account by calling the script in the smart contract 11. Transfer to the credit account of the credit trader 13 in a way, so that the credit trader 12 only has access to the 1000 credit points in its credit account, while the credit trader 13 has the right to use the credit trader 12 The 4000 credits in the credit account have usage rights. In this way, the credit trader 13 can use the 4000 credit points in the credit account of the credit trader 12 to finance shopping when needed.

In the above-mentioned embodiment, the credit point allocation program script also sets the time limit and interest conditions determined by the credit trader 12 for the 4000 credit points whose usage authority is transferred. For example, when the credit trader 13 wants to use the 4000 credit points recorded in the credit account of the credit trader 12, the smart contract 11 will grab the time stamp at the time and check whether the time stamp satisfies the credit The user account registered by the trader 13 is allowed to use the 4000 credits. In other words, the credit trader 13 can only use the 4000 credit points within the time limit set by the credit trader 12. When the time limit expires, if the user account registered by the credit trader 13 tries to use the 4000 credits, it will not pass the check of the conditions of the usable authority, and therefore cannot be used.

In addition, when the user account registered by the credit trader 13 wants to use the credit points authorized by the credit trader 12, the smart contract 11 will further trigger a credit interest calculation program script based on the set interest conditions to calculate credit The trader 13 pays the credit trader 12 interest on the credit points, and the generated interest will be notified to the credit trader 12 and the credit trader 13 through the user interface of the financial credit system 10.

For example, if the interest condition is set to generate interest when the credit trader 13 uses the credit trader 12 credit points, then the smart contract will use the credit trader 12 credit points in the credit trader 13 The credit interest calculation program script will be triggered at the moment, and the credit interest generated by the credit user 13 to the credit user 12 is calculated based on the number of credit points used by the current credit trader 13 and an interest rate defined in the interest conditions . In another example, if the interest condition is set to generate interest when the credit points are not returned within a certain period of time, then when the time limit expires or when the credit trader 13 wants to repay the used credit points, the credit trader 13 The registered user account will call the credit interest calculation program script in the smart contract. The credit interest calculation program script will calculate the interest rate based on the total amount of credit points that the credit trader 13 has used at this time and the interest rate defined in the interest conditions. Credit interest generated by the credit user 12.

Since allocating credit points to other credit traders for use can generate interest income, the credit rating-free financial credit system proposed in the present invention can attract more credit traders to join in and use it.

In another embodiment, when the credit trader 13 needs to use the credit points in the credit account of the credit trader 12, the credit trader 13 can use its financial credit system 10 to perform a financing transaction on the smart contract 11 to trigger The smart contract 11 executes a credit point loan program script. At this time, according to the credit trader 13 financing transaction instruction, that is, the number of credit points to be used, in the smart contract 11, the credit account credit points of the credit trader 12 will be deducted and transferred equal to the credit point The value of cryptocurrency is given to the trader 13, for example, 3000 credit points. At this time, if the credit trader 13 wants to use the credit points authorized by these credit users 12 for consumption, the smart contract can be further triggered 11Execute a credit point financing program script to make the smart contract deduct the 3000 credit points recorded in the corresponding credit trader 12 credit account, and then pay the credit trader 13 a cryptocurrency equivalent to the value of the credit point (for example, 3000 US dollars) ) To the electronic wallet or consumer platform designated by the credit trader 13. In this way, the credit trader 13 can withdraw or use the $3,000 cryptocurrency to complete the purchase.

Please note that when the smart contract 11 executes the script to carry out asset trust and credit financing, it is done with cryptocurrency or any currency implemented by cryptocurrency technology that can be accepted by both parties to the transaction, so that it can be used with smart contracts. 11 Use to manage cash flow. In this embodiment, currency refers to a form of exchange medium used as a means of circulation in social and economic activities. In addition, when the credit trader 12 or 13 conducts a transaction through the user interface, the sent transaction message will contain a digital signature signed by a private key PK from the credit trader 12 or 13, so as the smart contract 11 When a transaction message is received, the digital signature can be used to verify whether the transaction message can be a transaction record and written into the section, and the smart contract 11 can trigger the corresponding script according to the written transaction record.

Please refer to FIG. 4, which is a schematic diagram of another embodiment of the operating relationship between multiple financial credit systems and the blockchain of the present invention. In this embodiment, the credit trader 12 can simultaneously transfer the use authority of the credit points in his credit account to multiple other credit traders in the circle of friends. For example, if the credit trader 12 has 5000 credit points in its credit account, the credit trader 12 can transfer the authority to use the 4000 credit points in the credit account to the credit trader 13, and transfer the credit account The right to use the 1,000 credits is transferred to the credit trader 14. At this time, the credit trader 12 has no right to use all the credits in his credit account at all, until 4,000 credits and/or 1,000 The time limit for the credit points expires, and the credit point allocation program script in the smart contract 11 is triggered to return the use authority of 4000 credit points and/or 1000 credit points.

In the above embodiment, when the credit trader 12 transfers the use authority of credit points to different credit traders, different time limits and interest conditions can be set respectively. For example, if the credit trader 12 is very confident in the repayment ability of the credit trader 13 or because the relationship is very good, the credit trader 12 can set a lower 4000 credit points for the transfer of the usage authority to the credit trader 13 The interest rate or longer use and/or repayment period may even be set to zero interest rate (that is, free use). In contrast, the credit trader 12 may not trust the credit trader 14’s repayment ability, so it may set a shorter period of use and/or repayment for the 1000 credit points transferred to the credit trader 14 and Higher interest rates. When the credit trader 12 sends a transaction message to the blockchain 1 through the financial credit system 10, the transaction message will contain a digital signature signed by the private key of the credit trader 12, so when the smart contract 11 receives the transaction message , It will verify the digital signature. When the digital signature is verified, the transaction record, including the amount of credits for the transfer of usage rights, usage time limit, interest rate, repayment period, and interest rate calculation cycle, will be written into the smart Contract 11.

In accordance with the above, in a modified embodiment, the credit trader 13 can even further trigger the execution of the credit point lending program script to use the credit points authorized by the credit trader 12 to record the credit points in the smart contract 11 After the credits are transferred to their own credit account, the use authority of the credits transferred to the credit trader 14 will be transferred to the credit trader at a higher interest rate, in order to make a profit.

Please refer to FIG. 5, which is a schematic diagram of another embodiment of the operating relationship between multiple financial credit systems and the blockchain of the present invention. In this embodiment, the credit trader 13 can simultaneously accept credit points from multiple other credit traders in the circle of friends that have transferred the usage rights. For example, the credit trader 13 can receive 4000 credits from the use authority transferred by the credit trader 12, and at the same time accept 2000 credits from the use authority transferred by the credit trader 15. In this embodiment, the credit points transferred from different credit traders can be set to have different time limits and interest conditions. For example, if the credit trader 12 is very confident in the repayment ability of the credit trader 13 Or because the relationship is very good, the credit trader 12 can set a lower interest rate and/or a longer use and/or repayment period for the 4000 credit points transferred to the credit trader 13, or even set it The interest rate is zero (that is, free use). In contrast, the credit trader 15 may be less trusting in the repayment ability of the credit trader 13 because of the 2000 credit points transferred to the credit trader 13 Higher interest rates and/or shorter usage and/or repayment periods.

In accordance with the above, in a modified embodiment, if the credit trader 13 decides to use 1,000 credits out of the 6,000 credits allocated to be used to purchase goods worth 1,000 US dollars, the credit trader 13 can trigger The credit point lending program script of smart contract 11 transfers 1,000 credit points out of the available 6000 credit points to its credit account in smart contract 11, and then further triggers credit point financing Program script to finance the smart contract 11, that is, in the smart contract 11, after deducting the 1,000 credit points contained in the credit account of the credit trader 13, the smart contract 11 will pay the credit trader 13 worth $1,000 The cryptocurrency to the electronic wallet or consumption platform designated by the credit trader 13 can achieve the effect of integrating the cash flow.

Please note that in the above-mentioned embodiment, the 6000 credit points available to the credit trader 13 include two parts with different interest rates, that is, a 4000 credit point part with a low interest rate and a 2000 credit point with a high interest rate. The point of the point. In order to make this credit-free financial credit system most beneficial to users, in this embodiment, when the credit trader 13 triggers the credit point lending program script to transfer 1,000 points out of the available 6,000 points. When the points are transferred to their credit account, the smart contract 11 will preferentially select a low interest rate position (4000 points) for the transfer of this credit point, in order to minimize the interest that may be generated on the credit trader 13.

Please note that if the credit trader has an interest period in the interest conditions of the credit points for the transfer of use rights, in other words, if the credit trader fails to return the current accumulated used credit points before the end of the next interest period and Corresponding to the generated interest, the credit interest calculation program script will calculate and accumulate the generated interest based on the set interest rate and the number of cycles that have passed. In a preferred embodiment, the credit point interest can be accumulated in a simple interest manner, but the present invention is not limited to this, and the credit point interest can also be calculated in a compound interest manner.

In view of the above, if the credit trader 13 fails to fully refund the used credit points and the corresponding credit point interest, when the interest period expires, the smart contract 11 will be triggered to execute the credit rating adjustment program script to verify the credit Trader 13's credit rating was lowered. In a preferred embodiment, the credit rating is an undisclosed control parameter in the financial credit system without credit rating, which is based on one of the credit points used by the credit trader at the time and the corresponding credit point interest generated. The repayment status is determined, and the credit rating will affect the amount of credit points actually available to the credit trader (relative to the amount of the transferred usage rights). For example, in a preferred embodiment, if a credit trader is transferred with 1000 credits, the credit trader can use 100% of the 1000 credits according to the preset credit rating. , But if the credit trader’s credit rating has been downgraded to 95%, then the credit trader can only use 950 credit points, which can prevent the credit trader from continuously borrowing maliciously in order to maintain The effect of the sustainable operation of the financial credit system without credit rating.

Please refer to FIG. 6, which is a schematic diagram of another embodiment of the operating relationship between multiple financial credit systems and the blockchain of the present invention. In this embodiment, the credit trader 13 has a principal and interest sum owed 400 credit points to the credit trader 12 (the used credit points plus the current corresponding accumulated credit point interest) and the credit trader 15 owes 100 credit points. The credit points are the sum of principal and interest, and the interest condition set by the credit trader 12 has a lower interest rate, and the interest condition set by the credit trader 15 has a higher interest rate. If there are 300 credit points in the credit account of the credit trader 13 at this time, and the credit trader 13 decides to use these 300 credit points to repay the current balance of credit points, the credit trader 13 can check The smart contract 11 triggers a credit point repayment program script to transfer the 300 credit points to the credit trader 12 and/or the credit trader 15 for repayment.

In the above embodiment, in order to minimize the interest that may be generated on the credit trader 13 in the future, the smart contract 11 will give priority to paying the debts with a higher interest rate. In this embodiment, the credit trader 15 owes 100 points. Credit points for the principal and interest, and then use the remaining 200 credit points to pay for the 400 credit points owed to the credit trader 12. After the payment is completed, the user interface of the financial credit system 10 will display the credit transaction The credit account of the person 13 only has the sum of the principal and interest of the 200 credit points owed by the credit trader 12.

According to another aspect of the present invention, the financial credit system 10 provides a user interface for credit traders to operate. The user interface can be run on a user interface host (for example, a web server) or the financial credit system 10 Above, the present invention is not limited to this. For the convenience of explanation, the following will describe the implementation mode of the user interface running on the financial credit system 10. As described in the above-mentioned embodiment, when the credit trader requests the smart contract 11Registration and conduct of asset trust, you need to complete through this user interface. Hereinafter, the steps of the financial credit system 10 are summarized in a flow chart and explained as follows. Please refer to FIG. 7. FIG. 7 is a flow chart of an embodiment of a secure financing method for processing credit points according to the present invention. Used with any of the above embodiments of the financial credit system 10, please note that if the actual result is the same, the steps in the flowchart do not necessarily need to be executed in the order shown in FIG. 7: S700: Send a registration information to a node on a blockchain to register a credit account for a smart contract on the blockchain. S702: Perform a transaction on the smart contract, where the transaction includes the registered credit account code and the currency of the asset trust. After the transaction is written into the smart contract, the smart contract will record the credit point corresponding to the currency in the designated credit account number.

In step S700, the financial credit system 10 may be a mobile phone, tablet, laptop, or desktop computer operated by a credit trader. Credit traders use the financial credit system 10 to send registration information such as credit account names, passwords, real-name verification information, preset interest rates, and preset timeliness to a node on the blockchain 1 to register the smart contract 11.

In step S702, the user interface accepts the trust currency input from the credit trader, and packs the currency, the corresponding credit account information, etc., and the digital signature signed by a private key into a transaction message. The group 102 sends the transaction message to a node on the blockchain 1. When the transaction information is verified and written into the blockchain 1, the smart contract 11 executes the asset trust program script, so that the smart contract 11 records the credit points corresponding to the currency in the credit account corresponding to the credit trader. In a preferred embodiment, the financial credit system 10 can inquire about the available balance of credit points and/or cryptocurrency in the credit account from the smart contract, and display it on the user interface.

In another embodiment, please refer to FIG. 8. FIG. 8 is a flowchart of another embodiment of a secure financing method for processing credit points according to the present invention. Please note that if the actual result is the same, the steps in the flowchart are not necessarily required Follow the sequence shown in Figure 8 to execute: S700: Send a registration information to a node on a blockchain to register a credit account for a smart contract on the blockchain. S702: Perform a transaction on the smart contract, where the transaction includes the registered credit account code and the currency of the asset trust. After the transaction is written into the smart contract, the smart contract will record the credit point corresponding to the currency in the designated credit account number. S803: Perform a transaction on the smart contract, so that at least part of the credit points in the credit account has the right to use at least part of the credit points to be transferred to another credit account registered in the smart contract, where the allocated credit points have a Time limit and an interest condition.

The flowchart shown in Fig. 8 is roughly the same as that in Fig. 7, except that Fig. 8 additionally includes step S803. In step S803, the financial credit system 10 performs a transaction for the allocation of credit points to the smart contract 11 to trigger the execution of the smart contract 11 The credit point allocation program script is used to transfer at least a part of the use authority of the credit points in the credit account to the credit account of another credit trader for use by the credit trader. Please refer to the first description for the description of the transfer of credits usage rights. For the sake of brevity, I will not repeat it here.

In another embodiment, please refer to FIG. 9. FIG. 9 is a flowchart of another embodiment of a secure financing method for processing credit points according to the present invention. Please note that if the actual result is the same, the steps in the flowchart are not necessarily required Follow the sequence shown in Figure 9 to execute: S900: The credit trader performs a transaction on the smart contract, where the transaction includes the credit trader declaring to use a number of available credit points in the credit account owned by the credit trader, so that the credit trader can obtain currency corresponding to the number of credit points. S902: Use the currency to conduct a financial transaction.

In step S900, the credit trader conducts a financing transaction on the smart contract 11 through the financial credit system 10. The financing transaction includes the credit trader declaring that it will use a number of available credit points in the credit account owned by the credit trader. The smart contract 11 records After deducting the aforementioned number of credit points, the cryptocurrency corresponding to the number of credit points is paid to the credit trader. In step S902, the credit trader can use the obtained cryptocurrency through the financial credit system 10 to further conduct other financial transactions (for example, purchase of goods, etc.). For the description of the corresponding corresponding transactions, please refer to the foregoing description. For brevity, here is Not repeating.

1: Blockchain 10: Financial Credit System 101: processor 102: Network Module 103: storage unit 11: Smart contract 12, 13, 14, 15: credit trader S700, S702, S803, S900, S902: steps

Fig. 1 is a schematic diagram of an application state of an embodiment of the present invention; Figure 2 is a system block diagram of an embodiment of the present invention; Figure 3 is a system communication diagram of an embodiment of the present invention; Figure 4 is a system communication diagram of another embodiment of the present invention; Figure 5 is a system communication diagram of yet another embodiment of the present invention; Figure 6 is a system communication diagram of another embodiment of the present invention; FIG. 7 is a flowchart of a secure financing method according to an embodiment of the present invention; Fig. 8 is a flowchart of a secure financing method according to another embodiment of the present invention. Fig. 9 is a flowchart of a secure financing method according to another embodiment of the present invention.

no.

1: Blockchain

10: Financial credit system without credit rating

11: Smart contract

12, 13, 15: credit trader

Claims (13)

A secure financing method for processing credit points, in which a device that can process credit points is connected to a node of a blockchain via a network and performs the following steps: Send registration information containing a public key to the node to register a user account for a smart contract on the blockchain; and Pay an amount of currency to the smart contract, and record the credit points corresponding to the amount in the smart contract in one of the credit accounts corresponding to the user account. The secure financing method described in claim 1, further includes: Trigger the smart contract to execute a credit financing program script to deduct a user-defined number of credits from the credit account corresponding to the registered user account, and the user obtains the defined number of credits A quantity of currency; and Use this amount of currency to make a transaction. The secure financing method described in claim 1, further includes: Trigger the smart contract to execute a credit allocation program script, so that at least a part of the credits in the credit account corresponding to the registered user account is transferred to another user registered in the smart contract The account corresponds to a credit account, in which the transfer of the usage authority has a time limit and an interest condition. The secure financing method described in claim 3 further includes: The other user account triggers the smart contract to execute a credit point loan program script, so that a user-defined number of credit points in the credit account corresponding to the user account is transferred from the credit account to the other A credit account corresponding to the user account. The secure financing method described in claim 4 further includes: Trigger the smart contract to execute a credit financing program script, so that the smart contract deducts a defined amount of credit points from the credit account corresponding to the other user account, and the user of the other user account A determined vehicle or a trading platform obtains a quantity of currency corresponding to its defined number of credit points; and Use this amount of currency to make a transaction. The secure financing method described in claim 4 further includes: Trigger the smart contract to execute a credit point repayment program script, so that a user-defined number of credit points in the credit account corresponding to the other user account are transferred from the credit account corresponding to the other user account Transfer out to the credit account corresponding to the user account. The secure financing method described in claim 6 further includes: Call and execute a credit interest calculation program script of the smart contract to calculate a credit interest based on the interest condition. The secure financing method described in claim 7 further includes: Call and execute one of the credit rating adjustment program scripts of the smart contract to determine the credit rating of the other user account based on the credit point interest and one of the credit points used by the other user account . The secure financing method described in claim 8 further includes: Based on the credit rating, the amount of available credit points in the credit account corresponding to the other user's account is determined. A credit rating-free financial credit system includes more than one device capable of processing credit points, and the device includes: A network module is connected to a node of a blockchain through the network; A storage unit for storing a program code; and A processor connected to the network module and the storage unit; Wherein, when the processor executes the program code, the method described in any one of claim items 1-9 can be completed. A computer program product, after the program is loaded and executed by a computer, can complete the method described in any one of claim items 1-9. A computer-readable recording medium with a program stored therein, when the program is loaded and executed by the computer, the method described in any one of claim items 1-9 can be completed. An authentication device for use with more than one device of the financial credit system as described in claim 10, the authentication device comprising: A storage module is used to store a piece of authentication information, wherein the authentication information can be read and authenticated to trigger the code of the device that executes the financial credit system.

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