TWI685808B - Management method and system for credit line - Google Patents

Abstract

The disclosure is related to a management method for credit line, and a system for implementing the method. The method is especially applied to cross-border credit line management. The system allows a customer to set up a credit approval letter including a user ID and a credit line. This credit approval letter is compiled to a digital contract file. The packaged contract file is then distributed to multiple nodes in charge of performing credit business through a blockchain technology. A blockchain address can be obtained after a mining process. The contract file is stored in this address and established as distributed credit contracts at the multiple nodes. After that, the customer can update amount at one of the nodes. The changed amount can be distributed to the multiple nodes by the blockchain technology so as to establish this record.

Description

Credit line management method and system

The disclosure discloses a method and system for credit limit management, in particular, a method for implementing cross-border credit limit management using blockchain technology, and a system for implementing this method.

The credit line (Credit Line) can also be a general credit line (General Credit Line), which refers to the inventory management indicators of the credit business approved by the bank for the customer, as long as the credit balance does not exceed the corresponding business variety indicators, regardless of the cumulative amount of issuance and issuance What is the number of times, the bank's corporate business department can quickly provide credit to customers, especially short-term credit, that is, customers (such as companies, company numbers, and individuals) can fully use the bank's credit funds. Taking short-term credit as an example, the short-term credit business can include loans with a term of less than one year, issuance of letters of credit, guarantees, bills of exchange, etc. For enterprises, it will meet various financing needs, reduce the cost of financing for enterprises, and improve the efficiency of financial work.

The general credit granting process includes the bank receiving an application for a credit line from a customer, and the bank starts an investigation to collect the customer’s business items, finances, credit, and liabilities, and includes the customer’s needs, uses, and deadlines for evaluation. To assess customer qualifications and grades to see if they are eligible for credit. Next, obtain a list of customer mortgage or pledge items to evaluate the credit line.

After that, the credit limit is agreed between the bank and the customer. If the customer (debitor) intends to request a higher credit limit, superior conditions will be proposed. After evaluation by the relevant bank department, a certain credit limit may be approved.

In addition to the local credit, in terms of the demand and use of funds for large enterprises, it is even more Extend to Cross-Border Credit Line to extend the use of the company's credit line to foreign countries, so that the company's domestic and foreign business development can be supported by credit funds. In contrast, banks that provide credit lines will need to jointly manage the cross-border credit business of the enterprise with Subsidiary or Branch, generally through the central server of the head office or a specific bank unit, allowing branches or Sub-banks can enter and access customer information, perform credit business, balance management, and repayment processing.

However, due to the different laws and regulations in different regions or countries after cross-border, the credit limit and usage information of a single customer at each branch at home and abroad are stored in their respective systems, which makes it difficult to check the cross-border amount in real time; and, cross-border transfer business relies heavily on email Or telephone or other traditional communication methods to confirm, it is not easy to retain information and grasp the progress, resulting in difficult risk control.

Unlike the conventional technology that centrally manages credit or cross-border credit business through the head office or specific banking units, and the lack of conventional technology in cross-border credit processing, the disclosure discloses a credit quota management method and system, application block The smart contract in the chain technology realizes the credit limit management, uses the smart contract to store the credit limit related information, and can use the blockchain decentralized ledger mechanism to process the use record of the customer's credit limit.

According to one embodiment, the disclosed method of credit limit management includes initially setting up a credit approval letter on a node by a customer, which records customer identification data and the set credit limit, and then compiling the credit approval letter into a contract file After being packaged, it will be released to multiple nodes performing credit with blockchain technology. Using blockchain technology, the credit limit management system waits for a mining result to obtain a blockchain address. This blockchain address is used to save the contract file, and a distributed credit contract is established at multiple nodes that perform credit. Credit contract.

The credit limit management system will provide customers with one The new mobilization amount is compiled to form an mobilization record block, which is also packaged and distributed to multiple nodes that implement credit using blockchain technology, thereby establishing a record of the mobilization amount.

In the embodiment of the credit limit management method, a credit limit query process is further included. In this process, a credit limit query request is generated at one of the nodes. The query request includes customer identification data. The system can use the customer identification data to A credit database of the node queries the credit limit and one or more records of the credit limit, thereby obtaining a credit balance available to the customer.

According to yet another embodiment, the plurality of credit-executing nodes are located in multiple regions, countries, or economic entities, such as regions that need to exchange money with each other, so that a cross-border blockchain network can be established and the credit limit For a cross-border credit line, to achieve cross-border credit line management.

According to the embodiment of the credit limit management system, the system includes multiple nodes that execute credit, each node is provided with a credit database to record the customer's data and the decentralized approval letter and usage record book established by the customer through blockchain technology. The system further includes a cross-border credit limit management method executed by the processor in each node. The method is as described above, by setting up a credit approval letter, compiling to form a contract file, and after parceling, it is released to multiple executions using blockchain technology The credit granting node obtains the blockchain address after waiting for the mining result, and uses this blockchain address to save the contract file, and establishes a decentralized credit granting contract at multiple nodes that execute the credit granting.

The setting of the credit approval document is to add a cross-border sharing quota, establish a cross-border sharing quota approval document association, or delete a cross-border sharing quota approval document association and modify the cross-border sharing quota.

In order to further understand the technology, method and efficacy of the present invention to achieve the intended purpose, please refer to the following detailed description and drawings of the present invention. It is believed that the purpose, features and characteristics of the present invention can be deepened and specific For the sake of understanding, the attached drawings are provided for reference and explanation only, and are not intended to limit the present invention.

10‧‧‧Head Office

101,102,103,104 ‧‧‧ branch

111,112,113‧‧‧

20‧‧‧Credit system

21,22,23,25‧‧‧Credit limit management system

201‧‧‧Blockchain quota management application interface

202‧‧‧Blockchain module

203‧‧‧Blockchain quota management system database

231‧‧‧ Customer cross-border quota information

232‧‧‧Customer approval materials

233‧‧‧Customer line item data

234‧‧‧ record data for customer interaction

28‧‧‧Communication network

Steps S301~S309 ‧‧‧ credit limit management process

Steps S401~S407 ‧‧‧ Use credit line

Steps S501~S505 ‧‧‧ Query the credit limit flow

1 is a schematic diagram of an embodiment of a system architecture of a credit limit management system; FIG. 2 is a functional block diagram of a credit limit management system implemented at each node; the process shown in FIG. 3 describes the steps of an embodiment of the credit limit management method; The flow shown in 4 describes the steps of an embodiment in which a credit is used in the credit limit management method; the flow shown in FIG. 5 describes the steps of an embodiment in which a credit limit is queried.

In the conventional technology, the bank’s process of accepting credit cases mainly begins when it receives a credit line application from a customer, and the bank starts an investigation to collect the customer’s business items, finance, credit, and debt, including customer needs, Uses, deadlines and other items to evaluate, and evaluate the credit line based on the customer's mortgage or pledge item list. This disclosure discloses a credit limit management method and system. The main features are the application of smart contracts in the blockchain technology to achieve credit limit management, and the use of smart contracts to store credit limit related information. This technology is in addition to local end credit. In terms of the demand and use of funds for large enterprises, the scope of credit is often extended to regions that need to perform currency exchange in different currencies. The credit limit management methods and systems are also suitable for cross-border credit line management.

The proposed credit limit management method and system are based on blockchain technology. Blockchain is a decentralized ledger system that uses cryptographic technology (mining) to operate and can ensure the accuracy of transactions .

The credit limit management method can be applied to the system architecture shown in FIG. 1, which shows a credit limit management system, which includes multiple nodes for performing credit, and can be set up in multiple regions that need to exchange money with each other to establish a cross-border In the blockchain network, the credit limit can also be a cross-border credit limit, to achieve cross-border credit limit management. In this embodiment, a blockchain network is established so that each node can operate as a blockchain node. It is worth mentioning that the blockchain network built in a banking system can be a private network. It can also be a private network built on the Internet and multiple network nodes implemented with a secure connection (such as a VPN).

The credit limit management system may be composed of the head office 10 and multiple branches (101, 102, 103, 104) in a banking system. In another embodiment, the composition of sub-banks (111, 112, 113) may be added. These branches (101, 102, 103, 104) or sub-lines (111, 112, 113) and other nodes connected to each other through a dedicated network or a secure connection such as a VPN. This example shows a star-shaped (but not limited to this) network topology. It can be a service base established by the banking system in different countries or regions, and can refer to the servo system, which can perform cross-border credit management, including contract setting (creation, editing, deletion, etc.), quota utilization and query.

Each node has a credit database to record customer data, which can include basic data and identification data, such as customer ID code (Customer ID) applied on the blockchain, and the credit database can include customers through the block The distributed approval letter and credit line ledger established by the chain technology. According to an embodiment, the system will use a cross-border credit limit management method that is executed by the application program executed by the processor in each node, including receiving a customer request to set a credit approval letter, including setting a credit limit, and then compiling the credit approval letter Form a contract file, and after parceling, publish it to some or all of the nodes that perform credit with blockchain technology, and wait for a mining result under this mechanism to obtain the blockchain address, and use this blockchain bit Save the contract file at the address to complete the setting of the credit approval letter.

According to the first purpose of the method, cross-border shared quota management is achieved through blockchain technology, where through decentralized data access, customer quota data will not be inoperable due to a single point of system interruption, and customers can use each blockchain at any time Nodes (Blockchain Node) access data, create contracts, change contracts, and query content.

A node is like a service base in a banking system such as a branch or a sub-branch, all of which run a credit limit management system, and through the front-end bank credit system (depending on the region) (Different) After calling function (adding or revising the approval document; updating the amount of patents and other patent processing matters), communicate with each blockchain node through the blockchain module to complete the transaction or synchronization of the data to be processed, or by other Nodes trigger data synchronization to maintain the consistency of blockchain data, where the database stores various smart contract information (decentralized approval book quota information) and account books (utilization quota records).

Figure 2 shows a functional block diagram of the credit limit management system implemented in each node. Each node runs a servo host with data processing and memory circuits, and establishes a secure connection between each other through the communication network 28. Each node can achieve a The bank's front-end service establishes a credit system 20 that serves customers' cross-border credit lines, and the background is a blockchain network formed by multiple nodes running the credit line management system.

This legend describes that each node (node 1, node 2, node 3, ... node n) runs a credit limit management system (21,22,23,...25) with a servo host, in which the credit limit management method is executed The related instruction sets are connected with each other through a communication network 28. When the servo host operates as a blockchain node, the memory circuit becomes a location for recording distributed data and providing access. Take node 1 as an example, which runs a credit quota management system 21, which includes an application program interface (API) that provides quota management, to interface with the service interface of the system or other nodes, and is called a blockchain quota management application interface 201; The credit limit management system 21 includes a blockchain module 202 for communicating with other nodes forming this blockchain network, and jointly applying blockchain technology to achieve credit limit management.

The credit quota management system 21 is provided with a blockchain quota management system database 203, which is a database for establishing distributed approval books and utilization record books in each node of the blockchain network, which mainly records customer cross-border quota Data 231, customer approval data 232, customer itemization quota data 233 and customer usage record data 234, so that customers can obtain historical usage records synchronized by blockchain technology at different nodes, and can query each node to get a comparison The credit balance of the sub-item quota, the amount of approval letter or the cross-border sharing quota.

According to an embodiment, the blockchain quota management system database 203 stores a decentralized With the approval of the book and the use of the record book, the credit limit management system 21 can use this record to perform credit limit management using smart contracts in a distributed ledger concept. The items recorded in the database can have different attributes according to the region, such as currency and exchange rate, and in a specific implementation mode, each region can provide different regional credit lines within the unified global credit line to the same client.

According to the embodiment of the credit limit management system, customers can set a credit limit at a certain node (a branch or sub-branch), or a global cross-border credit limit, and use the concept of decentralized ledger to send relevant information to multiple Each node is recorded in the respective blockchain quota management system database 203, and when one of the nodes executing the credit updates an active amount, compiles to form an active record block, after being wrapped, the blockchain The technology is released to multiple nodes that perform credit, and a record of the amount spent is created in the database 203 of the blockchain quota management system. The above-mentioned cross-border can be across different financial entities, which need to perform currency exchange or circulate different currencies, or can be tax-independent entities, including multinational and cross-regional (such as the European Union).

According to the blockchain mechanism, the nodes participating in the blockchain all run a consensus software program. Each participating network node is a blockchain node, which can store the same account in a decentralized mechanism, such as establishing a credit line approval. Books (contracts) and credit quota data, and all historical usage record information is recorded in the account book. Any transaction behavior to be initiated by any network node, such as contract establishment and update of the credit quota, quota utilization, etc., will be The relevant information of the transaction behavior is distributed to each node, which is received and processed by the server host. This consensus mechanism can ensure that each transaction is correct and not easily tampered. The information transmission and storage are based on a strict encryption mechanism Moreover, because the transaction information in the account book is recorded in chronological order, the process can also be queried and verified.

For an example of the credit limit management method, please refer to the flowchart shown in FIG. 3. The credit limit management system constructed by multiple nodes mainly runs on the purpose of credit lending of the banking system, especially applicable to traditional cross-border credit that is not easy to manage Management of the quota.

The process shown in the figure is running in the credit limit management system to execute the credit industry Generally, network nodes are formed on service nodes. Customers can start to set up a credit approval letter (step S301) at a certain node (such as head office, branch, sub-bank, etc.). According to the practice, it can include adding cross-border sharing quotas and creating Cross-border sharing quota approval book association (for example, linking multi-country approval books of the same customer), deleting cross-border sharing quota approval book association and modifying cross-border sharing quota, the main content of the approval book includes customer identification data and the set credit limit , May also include the credit limit of each region (different regions may have different credit limit), the identification code of each region, and the credit currency of each region, etc.

Then, the software program of the system host running in the node compiles the credit approval letter into a digital contract file (step S303), and after parceling, publishes it to multiple nodes that execute the credit with blockchain technology (step S305), And wait for the execution of mining under this blockchain mechanism. The mining result obtained by the specific hash algorithm is a blockchain address that stores this contract, which can be called the blockchain address (step S307), In this way, the blockchain address is used to save the above contract file, and establish a decentralized credit contract on each node (step S309), that is, to complete the setting of the credit approval letter.

When the customer wants to use the credit line at a certain node (sub-branch or branch), the relevant process can refer to the steps in the embodiment shown in FIG. 4.

When a customer updates a utilisation amount at one of the nodes where the credit is performed (step S401), it is also digitally compiled to form a utilisation record block (step S403), after being wrapped, it is released to multiple execution credits using blockchain technology Nodes (step S405) to create a record of the amount of credits at each node (step S407).

When the spending quota is distributed to the nodes participating in this blockchain through blockchain technology, this transaction also has the correct and non-tampering characteristics, and can perform the query steps under this mechanism, as shown in Figure 5 Show the credit limit inquiry process.

Before performing the action of using the credit limit described in the above embodiment, or at any time, the action of querying the credit limit can be executed on any node participating in this blockchain. The practice can include querying cross-border shared quota data, querying all Cross-border sharing quota information, and various query-oriented. According to an embodiment, a customer or a related operator may perform a query at one of the nodes and generate a credit limit query request (Step S501), this request includes customer identification data, and then, the software program of the server host running on the specific node will execute the query, that is, query the customer's credit based on the customer identification data in a credit database of this node Amount, including the recording of multiple use quotas (step S503), and based on all historical records to obtain a credit balance against a sub-item quota, the approval book quota or the cross-border shared quota (step S505), in particular, you can query the current Calculates the remaining available quota.

According to the first scenario of the embodiment, the customer comes to a branch of a banking system to set a cross-border quota. When the customer has applied for a credit line in each country and an approval letter is established in the system, including the sub-limit, amount, currency, etc., by exposing The credit limit management system disclosed in the book can link the customer's global approval letter to establish a cross-border credit limit under a certain amount and currency.

According to the second scenario of the embodiment, the customer wants to check the balance of the cross-border quota in a branch in real time. According to the credit quota management method, the system will access each distributed ledger through blockchain technology to obtain the cross-border shared record set by the customer to obtain the shared quota. Amount, currency and other information can be used to obtain the transaction amount and currency one by one according to the approval set by the customer, so that all the currency amount used can be converted into the currency amount of the shared quota according to the real-time exchange rate to obtain the cross-border quota balance , That is, the balance obtained by deducting the amount spent on cross-border sharing.

In summary, according to the embodiment of the credit limit management method disclosed in the disclosure, the method operates in a system that includes multiple nodes that perform credit, and can be applied to multiple regions that need to exchange money with each other to establish a cross-border In the blockchain network, the established cross-border credit limit can be applied to the area where each node is located, providing customers with regional or cross-border credit limit management. Among them, under the mechanism of blockchain, after the setting of the digital approval book is completed, it will be distributed to other nodes with blockchain technology, where the time record indicates the order of transactions, which can be sorted and recorded in the ledger, and Make it more efficient when tracking this transaction in the future.

In this way, by using the blockchain as the foundation of the financial industry, a common and decentralized storage account book is established, and a simpler quota control system is implemented to simplify all procedures. Change.

However, the above is only a preferred and feasible embodiment of the present invention, and therefore does not limit the scope of the patent of the present invention. Therefore, any equivalent structural changes caused by using the description and illustration content of the present invention are equally included in the present invention. Within the scope, together with Chen Ming.

S301‧‧‧Set credit approval

S303‧‧‧Compile to form a digital contract file

S305‧‧‧released to multiple network nodes that perform credit

S307‧‧‧ Generate blockchain address

S309‧‧‧ Create distributed credit contract on each network node

Claims (9)

A credit limit management method, including: beginning to set up a credit approval letter, including a customer identification data, credit limit of each region, regional identification code and credit of each region, where the credit limit of each region is a cross-border credit limit, to achieve A cross-border credit limit management; compile the credit approval letter into a contract file, and after parceling, publish it to multiple nodes that implement credit using blockchain technology; wait for a mining result to obtain a blockchain address; and The blockchain address saves the contract file, establishes a decentralized credit contract on the multiple credit-executing nodes, and completes the setting of a credit contract; where, when one of the credit-executing nodes updates a utilisation amount, it compiles into a The usage record block, after being wrapped, is released to the multiple credit-granting nodes using blockchain technology to establish a record of the usage quota. The credit limit management method according to claim 1, wherein the method further includes a credit limit query process, including: generating a credit limit query request at one of the nodes, including the customer identification data and a currency; based on the customer Identify the data, query the credit limit and one or more credits in a credit database at the node, and obtain a credit balance against the currency. The credit quota management method as described in claim 2, wherein the credit database records customer cross-border quota data, customer approval document data, customer itemized quota data, and customer utilization record data. The credit limit management method according to claim 1, wherein a blockchain network established by the plurality of nodes performing credit is composed of a head office and a plurality of branches and/or sub-banks in a banking system. The credit limit management method as described in one of claims 1 to 4, wherein the plurality of nodes performing credit are established in a plurality of areas that need to be exchanged with each other to establish a cross-border blockchain network. A credit limit management system, including: multiple nodes that execute credit, each node is provided with a credit database to record multiple customers' data and decentralized approval books and accounts established by each customer through blockchain technology; A cross-border credit limit management method executed by a processor in each node includes: starting to set up a credit approval letter, including one of the customer identification data, the credit limit of each region, the identification code of each region, and the currency of each region. The credit limit of each region is a cross-border credit limit, which realizes a cross-border credit limit management; compile the credit approval letter into a contract file, and after parceling, publish it to multiple nodes that execute the credit with blockchain technology; wait for a mining As a result, a blockchain address is obtained; and the contract file is saved with the blockchain address, and a decentralized credit contract is established among the multiple nodes that perform credit; where one of the nodes that execute credit is updated by one The amount of spending is compiled to form a block of usage records. After being wrapped, it is released to the multiple credit-granting nodes using blockchain technology to establish a record of the amount of spending. The credit limit management system according to claim 6, wherein a blockchain network established by the plurality of nodes performing credit is composed of a head office and a plurality of branches and/or sub-banks in a banking system, and To build on an Internet, a private network is established with a secure connection. The credit limit management system as described in claim 7, wherein the plurality of credit-executing nodes are located in multiple regions that need to exchange currency with each other to establish a cross-border blockchain network. The credit quota management system as described in one of claims 6 to 8, which includes: a blockchain quota management application interface for the service interface of the multiple nodes; and a blockchain module for Applying blockchain technology together with the multiple nodes to implement credit quota management; and a blockchain quota management system database for each node's credit database to record customer cross-border quota data, customer approval data, and customers Itemized quota data and customer utilization record data.

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