CN107679981A - Lending method based on block chain data verification service - Google Patents
Lending method based on block chain data verification service Download PDFInfo
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- CN107679981A CN107679981A CN201710880555.3A CN201710880555A CN107679981A CN 107679981 A CN107679981 A CN 107679981A CN 201710880555 A CN201710880555 A CN 201710880555A CN 107679981 A CN107679981 A CN 107679981A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/08—Insurance
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Abstract
The present invention relates to a kind of lending method based on block chain data verification service, the present invention is when client needs actively to apply for business, authorize whether " data user " examination meets " data user " business need from the transaction data in " data providing ", " data user " provides algorithm logic, " data providing " performs algorithm and provides the result automatically, and " data user " is based on the result to offering customers service.
Description
Technical field
The present invention relates to a kind of lending method based on block chain data verification service.
Background technology
Current insurance company both at home and abroad notices customer habits and gradually changed under the influence of emerging technology, they
Also this change is appreciated to exert one's influence to traditional insurance industry.Show according to investigations, the insurance company in the whole world 86% is recognized
It must accelerate to innovate paces to retain its competitive edge；96% insurance company thinks that digital economy is promoting insurance to turn
Type, and it is that they are successfully crucial to build numeral ecosystem.
With the lasting sprawling of digitrend, insurance company should respond actively above-mentioned challenge, find a kind of suitable skill
Art produces data and is used to innovate, and is attracted clients with the digital product of innovation and service, creates value for client, is improved with this
The participation and trust of client, it is used to analyze client so as to gather more data, forms benign cycle.Produced in digitlization process
It also will be the obstacle that needs to face in innovation that raw personal data safety, data validity, supervision, which close rule problem,.If not with visitor
Solved the above problems centered on family, even if products ＆ services can attract clients, its innovative value will also lose meaning.
Block chain technology has the characteristic that data are open and clear, safe and reliable, common recognition is autonomous, and opportunity is provided for innovation,
Allow enterprise more safely can provide information service for client.Using the common recognition algorithm generation of its distributed node and update the data, can
Collect and trace easily client and its behavioral data；Verified and data storage using its block linked data structure, make data without
Method is distorted and eliminated, it is ensured that data are truly unique；Utilize symmetric cryptography and authorization technique so that the friendship being stored on block chain
Easy information is disclosed, and account identity information is height encryption, the ability only in the case where data owner authorizes
Access, not only ensure that data safety and individual privacy, also provided convenience for supervision inspection.
Data application and block chain combination potentiality are infinite, and in the whole process of insurance business, including client identity proves, product
Develop and distribute, precisely accept insurance, personalization is fixed a price, retrospect client continues insurance, is automated and is settled a claim, cheats identification, credit rating, declaration form
Innovation chance in management, supervision method all be present.Block chain technology is potential to influence insurance business whole process, establishes insurance company
With the direct interaction of client, the strategic objective of disintermediation is realized.
For block chain data application, it is contemplated that the declaration form transactional related data enriched using information content.Insurance company
For have Requirements Verification itself credit, risk, Net asset value client, issue on the behavior of insuring, Claims Resolution situation, declaration form value phase
The data verification service of pass, allows shareholder to be checked by client authorization.The customer action data to be circulated by block chain
Can prevent from distorting to fake, it is ensured that data are truly just；Data can only check under client itself key authorization, effectively protect
Data safety and individual privacy are demonstrate,proved；Digitized mode of proof also reduces cost, improves efficiency, improves client's body
Test.
In future, by the more behaviors of block chained record, more data analysis customer priorities and risk class can be gathered, to enter
Row personalized product development, price and precision marketing, meet the personalized Financial Demands of client's diversification, so as to derivative more
Value.
The content of the invention
In order to solve the above technical problems, it is an object of the invention to provide it is a kind of it is convenient, fast, degree of safety is high based on block
The lending method of chain data verification service.
Lending method of the invention based on block chain data verification service, including：
Loan user sends export loan request to lending side, and authorizes the user data of lending side's examination loan user,
The user data is block chain data；
Lending root sends the request of examination loan user data according to authorizing to third party；
Third party runs user's insurance data scoring algorithm using user data and loan user is scored, and will scoring
As a result lending side is fed back to；
Lending root lends loan user according to described appraisal result granting accordingly.
Further, the lending side is bank, and the third party is insurance company.
By such scheme, the present invention at least has advantages below：
Can safety and reliability is provided data product and the service for client using block chain.Data are let out caused by the network crime
Dew, usually occur in the form of single organization data storehouse is under attack, decentralization distributed data base used by block chain,
Extent of damage when accident occurs can effectively be reduced；The data storage of block chain and encrypted form is transmitted as, further ensured
The safety of personal data；Data on block chain, which are made any change, can all trace, and allow data tampering and leakage to have path to look into
Card.
Described above is only the general introduction of technical solution of the present invention, in order to better understand the technological means of the present invention,
And can be practiced according to the content of specification, below with presently preferred embodiments of the present invention and coordinate accompanying drawing describe in detail as after.
Brief description of the drawings
Fig. 1 is the business scenario of the present invention；
Fig. 2 is the business process map of the present invention.
Embodiment
With reference to the accompanying drawings and examples, the embodiment of the present invention is described in further detail.Implement below
Example is used to illustrate the present invention, but is not limited to the scope of the present invention.
The lending method based on block chain data verification service described in the preferred embodiment of invention one, including：
Loan user sends export loan request to lending side, and authorizes the user data of lending side's examination loan user,
The user data is block chain data；
Lending root sends the request of examination loan user data according to authorizing to third party；
Third party runs user's insurance data scoring algorithm using user data and loan user is scored, and will scoring
As a result lending side is fed back to；
Lending root lends loan user according to described appraisal result granting accordingly.
Further, the lending side is bank, and the third party is insurance company
Referring to Fig. 1, application scenarios business scenario of the present invention：When client needs actively to apply for business, " data use is authorized
Whether side " examination meets " data user " business need, " data user " from the transaction data in " data providing "
There is provided algorithm logic, " data providing " automatically perform algorithm provide the result, " data user " be based on the result to
Offering customers service.Such as：Client actively applies for that loan transaction is preferential, authorizes lender examination from the transaction in insurance company
Whether data meet loan transaction requirement, and insurance company performs algorithm and provides the result automatically, and lender is based on the result
It is preferential to ratify customer lending.In this course, examination of the lender to data, it is the Unsolicited Grant based on user；Protect simultaneously
The customer data of dangerous company need not be supplied to lender, and calculating demand locally executes.
Block chain integrate and insurance card individual event mesh has established the basis of Floor layer Technology and application technology, and have into
Ripe affiliate, technically realizes no problem.
According to assessment, it is contemplated that required development cost and server expense about 130,000, about 3 months development time, with cooperation
Based on partner's exploitation, manpower and materials cost is less needed for us.
The service future will have more application scene, and other available for auxiliary client have just needed, but depend on data receiver
Accreditation of the side to the proof.
Early stage is in group and affiliated enterprise promotes the pattern, is obtaining the accreditation of data receiver, and access block
In chain network, the obstacle run into should be relatively fewer, is beneficial to product and quickly releases and apply, more clothes are brought for sunlight client
Business.For example, the client once to be insured in sunlight official website, in the small micro- loan of application sunlight, can allow it to provide the proof, enjoy
Loan interest rate is preferential；The client for sunlight vehicle insurance of once insuring, proof is provided during continuation of insurance, can enjoy premium discount；Once bought
It is preferential or increase loan limit to enjoy interest rate when applying for declaration form loan by the long-term life insurance of sunlight or the client that insures.By to
Client brings preferential, demand of the lifting client to the product.
After the mode internal is put into practice successfully, more enterprises and mechanism for having and being ready by the way that data are offering customers service are promoted
Add block chain network.Client by block chain send data grant using request, enterprise according to require provide data, services and
Obtain income.
1. meeting customer need, value is created for client
Client needs to prove initiation application when itself credit, risk, Net asset value, checking can be sent into shareholder
Value -capture, meet customer need.Product and service are that sunlight is peculiar, and Particular experience is brought for client.Verification process is placed on area
On block chain, client possesses key, and data just belong to client, can give offering customers service value -capture in this way.
2nd, intelligent scene is promoted, opens up comprehensive financial service
Take the lead in releasing block chain data product, make the entrance of intelligent Service, facilitate client to apply for fiduciary loan；Application is protected
Single mortgage loan；Prove to be used for auxiliary application visa as assets；Apply for that vehicle insurance premium is preferential and other personal uses.Remove at present
Outside authoritative institution, similar products and service are had no, can dominate the market first chance after release.
3rd, more data, derivative more values are obtained
More valuable data are produced, and make full use of the client-related data in block chain ecology to create value.
After obtaining more data, client can be more fully analyzed, understands customer risk, grasps customer priorities, identifies customer demand, future
The service of more personalized diversification is provided for client.
Described above is only the preferred embodiment of the present invention, is not intended to limit the invention, it is noted that for this skill
For the those of ordinary skill in art field, without departing from the technical principles of the invention, can also make it is some improvement and
Modification, these improvement and modification also should be regarded as protection scope of the present invention.
Claims (2)
- A kind of 1. lending method based on block chain data verification service, it is characterised in that including：Loan user sends export loan request to lending side, and authorizes the user data of lending side's examination loan user, described User data is block chain data；Lending root sends the request of examination loan user data according to authorizing to third party；Third party runs user's insurance data scoring algorithm using user data and loan user is scored, and by appraisal result Feed back to lending side；Lending root lends loan user according to described appraisal result granting accordingly.
- 2. the lending method according to claim 1 based on block chain data verification service, it is characterised in that the lending Side is bank, and the third party is insurance company.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710880555.3A CN107679981A (en) | 2017-09-27 | 2017-09-27 | Lending method based on block chain data verification service |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710880555.3A CN107679981A (en) | 2017-09-27 | 2017-09-27 | Lending method based on block chain data verification service |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN107679981A true CN107679981A (en) | 2018-02-09 |
Family
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201710880555.3A Withdrawn CN107679981A (en) | 2017-09-27 | 2017-09-27 | Lending method based on block chain data verification service |
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| CN (1) | CN107679981A (en) |
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108629694A (en) * | 2018-05-16 | 2018-10-09 | 北京京东尚科信息技术有限公司 | Risk control system and method and computer readable storage medium |
| CN109102176A (en) * | 2018-07-25 | 2018-12-28 | 珠海宏桥高科技有限公司 | A kind of trade finance appraisal procedure and device based on block chain |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
| WO2020042801A1 (en) * | 2018-08-31 | 2020-03-05 | 阿里巴巴集团控股有限公司 | Insurance policy information processing method, device and block chain data storage system |
| WO2020042508A1 (en) * | 2018-08-29 | 2020-03-05 | 深圳壹账通智能科技有限公司 | Method, system and electronic device for processing claim incident based on blockchain |
| CN111127207A (en) * | 2019-12-28 | 2020-05-08 | 哈尔滨工业大学 | Block chain-based drug sales fraud supervision system and supervision method thereof |
| CN111667371A (en) * | 2020-06-30 | 2020-09-15 | 腾讯科技（深圳）有限公司 | Resource aggregation method, system, device and storage medium based on block chain |
| CN112199220A (en) * | 2020-12-01 | 2021-01-08 | 蚂蚁智信(杭州)信息技术有限公司 | API gateway-based data calling method and API gateway |
-
2017
- 2017-09-27 CN CN201710880555.3A patent/CN107679981A/en not_active Withdrawn
Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108629694A (en) * | 2018-05-16 | 2018-10-09 | 北京京东尚科信息技术有限公司 | Risk control system and method and computer readable storage medium |
| CN108629694B (en) * | 2018-05-16 | 2021-04-30 | 北京京东尚科信息技术有限公司 | Risk control system and method, and computer-readable storage medium |
| CN109102176A (en) * | 2018-07-25 | 2018-12-28 | 珠海宏桥高科技有限公司 | A kind of trade finance appraisal procedure and device based on block chain |
| WO2020042508A1 (en) * | 2018-08-29 | 2020-03-05 | 深圳壹账通智能科技有限公司 | Method, system and electronic device for processing claim incident based on blockchain |
| WO2020042801A1 (en) * | 2018-08-31 | 2020-03-05 | 阿里巴巴集团控股有限公司 | Insurance policy information processing method, device and block chain data storage system |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
| CN109509078B (en) * | 2018-09-19 | 2023-04-18 | 平安科技（深圳）有限公司 | Block chain-based loan operation method, system, server and storage medium |
| CN111127207A (en) * | 2019-12-28 | 2020-05-08 | 哈尔滨工业大学 | Block chain-based drug sales fraud supervision system and supervision method thereof |
| CN111667371A (en) * | 2020-06-30 | 2020-09-15 | 腾讯科技（深圳）有限公司 | Resource aggregation method, system, device and storage medium based on block chain |
| CN111667371B (en) * | 2020-06-30 | 2021-08-06 | 腾讯科技（深圳）有限公司 | Resource aggregation method, system, device and storage medium based on block chain |
| CN112199220A (en) * | 2020-12-01 | 2021-01-08 | 蚂蚁智信(杭州)信息技术有限公司 | API gateway-based data calling method and API gateway |
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Application publication date: 20180209 |