CN109509078A - Debt-credit operation method, system, server and storage medium based on block chain - Google Patents
Debt-credit operation method, system, server and storage medium based on block chain Download PDFInfo
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- CN109509078A CN109509078A CN201811095270.XA CN201811095270A CN109509078A CN 109509078 A CN109509078 A CN 109509078A CN 201811095270 A CN201811095270 A CN 201811095270A CN 109509078 A CN109509078 A CN 109509078A
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- 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
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Abstract
The present invention relates to a kind of block chain technologies, disclose a kind of debt-credit operation method, system, server and storage medium based on block chain, this method comprises: in block chain network, the credit system application of exchange receives transaction request, third party authoritative institution carries out credit appraisal to user, credit system application receives Client-initiated loaning bill request and records loan types and demand information in block chain if the credit scoring of the user is more than or equal to scheduled credit scoring；Whether insurance company's node evaluation accepts insurance, the basis of formation contract if accepting insurance, exchange's node forms written contract based on the information that the framework contract and air control audit pass through, issue written contract, it is consulted for capital, if capital determines investment, loan agreement is generated, user withdraws deposit amount of money in exchange after loan agreement comes into force.The present invention can simplify loan operation, shorten whole loan timeliness and save the loan cost of user.
Description
Technical field
The present invention relates to block chain technical field more particularly to a kind of debt-credit operation method, system, clothes based on block chain
Business device and storage medium.
Background technique
Credit loaning bill refers in the form of the value movement for condition of repaying and pay interest.Currently, credit on a variety of platforms is borrowed
Money is that occur in the form of product, and loaning bill side can seek advice from various products by counseling services on line or under line, according to repayment
With the conditions such as pay interest corresponding credit loaning bill product is selected, and pays corresponding advisory fee, information service expense etc..This process
In, loaning bill side obtains loan related data by some mechanisms, submits related data to lender, and lender audits loaning bill side
Data is offering loans to loaning bill side after the approval, and is carrying out post-loan management.Entire credit loaning bill process it is cumbersome,
It is at high cost that timeliness is longer and credit is borrowed money.
Summary of the invention
The purpose of the present invention is to provide a kind of debt-credit operation method based on block chain, system, server and storages to be situated between
Matter, it is intended to simplify loan operation, shorten whole loan timeliness and save the loan cost of user.
To achieve the above object, the present invention provides a kind of debt-credit operation method based on block chain, described to be based on block chain
Debt-credit operation method include:
S1, in the block chain network built in advance, the credit system application of exchange's node, which receives, carries user information
And the transaction request of authorization message, the user information and authorization message are recorded in block chain account book by intelligent contract；
S2, third party authoritative institution node are based on the user's information and carry out credit appraisal, will by intelligent contract
Credit scoring after carrying out credit appraisal is recorded in the block chain account book；
S3, the credit system application receive the loaning bill request that Client-initiated carries loan types and demand information, if
The credit scoring of the user is more than or equal to scheduled credit scoring, then is remembered the loan types and demand information by intelligent contract
The loan types and demand information are pushed to insurance company's node in the block chain account book by record；
S4, insurance company's node is after analyzing the loan types and demand information, if confirmation is accepted insurance, is based on the use
Family information, credit scoring and demand information basis of formation contract, to be audited by air control to the framework contract, and it is logical in audit
Later, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
S5, exchange's node forms written contract based on the information that the framework contract and audit pass through, in the letter
With system apply in issue the written contract, for capital consult, and by the credit system application receive capital investment letter
Breath generates corresponding loan agreement according to the written contract and the investing tip of capital, by intelligent contract by the loan agreement
It is recorded on the block chain account book；
S6, if the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node is by the user
The information of withdrawing deposit of amount of money of withdrawing deposit is recorded on the block chain account book by intelligent contract.
Preferably, the loan types include non-public welfare loan and public welfare loan.
Preferably, if the loan types are that non-public welfare is provided a loan, after the step S6, further includes:
The credit system of exchange's node is applied after reception Client-initiated refunds request on time, and letter of refunding is obtained
Breath is gone back this by intelligent contract if the refund appointed information recorded in the refund information and the loan agreement is consistent
Money information is recorded on the block chain account book.
Preferably, if the loan types are that non-public welfare is provided a loan, after the step S6, further includes:
The credit system of exchange's node is applied after receiving the request of Client-initiated payment beforehand, and letter of refunding is obtained
Breath, if the refund appointed information recorded in the refund information and the loan agreement is consistent, generates complementary agreement, then passes through intelligence
This refund information and the complementary agreement are recorded on the block chain account book by energy contract.
Preferably, after the step S2, further includes:
If the credit scoring of the user is more than or equal to scheduled credit scoring, exchange's node is based on scheduled letter
With the incidence relation of scoring and the maximum amount of the loan, determines the corresponding maximum amount of the loan of the credit scoring of the user, pass through intelligence
The maximum amount of the loan is recorded in the block chain account book by energy contract；
After the step S6, further includes:
If the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node is based on being withdrawn deposit
Amount of money reduces the maximum amount of the loan, and the maximum amount of the loan after reduction is recorded in the block chain account book by intelligent contract
In；
After the completion of the user refunds, exchange's node restores the maximum amount of the loan of the user, and according to described
Written contract and this refund information improve the maximum amount of the loan of the user, and the maximum after raising is provided a loan by intelligent contract
Amount record is in the block chain account book.
Preferably, third party authoritative institution node is based on the step of user's information carries out credit appraisal,
It specifically includes:
Authentication is carried out to user: obtaining user identical with the ID card No. in the user information in public security department
Information to be verified, which is matched with the information to be verified, to carry out authentication；
If authentication passes through, the personal reference record of the user is inquired, according to individual's reference record generation
Credit scoring.
Preferably, after the step S5, further includes:
Monitoring party node initiates to check the transaction request of the loan agreement, to the loan based on the loan agreement
Cheng Jinhang supervision.
To achieve the above object, the present invention also provides a kind of server, the server is exchange's node, the service
Device includes memory and the processor that connect with the memory, is stored with and can run on the processor in the memory
Processing system, the processing system realizes the step of above-mentioned exchange's node executes when being executed by the processor.
To achieve the above object, the present invention also provides a kind of debt-credit operating systems based on block chain, described to be based on block
The debt-credit operating system of chain includes exchange's node, third party authoritative institution node, insurance company's node and monitoring party node,
In:
Exchange's node carries user information and authorization letter for receiving in the block chain network built in advance
The user information and authorization message are recorded in block chain account book by the transaction request of breath by intelligent contract；
Third party authoritative institution node passes through intelligence for carrying out credit appraisal based on the user's information
Credit scoring after carrying out credit appraisal is recorded in the block chain account book by contract；
Exchange's node is also used to receive the loaning bill request that Client-initiated carries loan types and demand information,
If the credit scoring of the user is more than or equal to scheduled credit scoring, pass through intelligent contract for the loan types and demand information
It is recorded in the block chain account book, and the loan types and demand information is pushed into insurance company's node；
Insurance company's node, for after analyzing the loan types and demand information, if confirmation is accepted insurance, being based on should
User information, credit scoring and demand information basis of formation contract, to be audited by air control to the framework contract, and are being audited
By rear, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
Exchange's node is also used to form written contract based on the information that the framework contract and audit pass through, in institute
It states in credit system application and issues the written contract, consulted for capital, and receive the throwing of capital by credit system application
Standing breath generates corresponding loan agreement according to the written contract and the investing tip of capital, by intelligent contract by the loan
Contract record is on the block chain account book；If the user withdraws deposit the amount of money based on the loan agreement in exchange, by the use
The withdraw deposit information of withdrawing deposit of amount of money of family is recorded on the block chain account book by intelligent contract.
The present invention also provides a kind of computer readable storage medium, processing is stored on the computer readable storage medium
System, the processing system realize the step of above-mentioned exchange's node executes when being executed by the processor.
The beneficial effects of the present invention are: section of the present invention by exchange, third party authoritative institution, insurance company and monitoring party
Point builds block chain network, and all information are recorded on block chain, and user is in the credit system application that exchange's node provides
Transaction request is initiated, after being based on user's information progress credit appraisal by third party authoritative institution, user can handed over
It easily initiates to carry loan types and the loaning bill of demand information is requested, insurance company assesses whether to accept insurance, and confirms in insurance company
Accept insurance and air control after the approval, exchange formed written contract, by credit system application publication written contract, looked into for capital
It reads, if capital determines investment, corresponding loan agreement is generated according to the written contract and the investing tip of capital, loan closes
With after coming into force, user can withdraw deposit amount of money of providing a loan in exchange, and the present invention constructs the block chain network that credit is borrowed money, provides a kind of peace
Entirely, credit loaning bill method with a high credibility, simplify loan operation, the loan that shortens whole loan timeliness and save user at
This.
Detailed description of the invention
Fig. 1 is the optional application environment schematic diagram of each embodiment one of the invention；
Fig. 2 is the schematic diagram of the hardware structure of one embodiment of server in Fig. 1；
Fig. 3 is the flow diagram of the debt-credit operation method first embodiment the present invention is based on block chain；
Fig. 4 is the flow diagram of the debt-credit operation method second embodiment the present invention is based on block chain；
Fig. 5 is the flow diagram of the debt-credit operation method 3rd embodiment the present invention is based on block chain.
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that described herein, specific examples are only used to explain the present invention, not
For limiting the present invention.Based on the embodiments of the present invention, those of ordinary skill in the art are not before making creative work
Every other embodiment obtained is put, shall fall within the protection scope of the present invention.
It should be noted that the description for being related to " first ", " second " etc. in the present invention is used for description purposes only, and cannot
It is interpreted as its relative importance of indication or suggestion or implicitly indicates the quantity of indicated technical characteristic.Define as a result, " the
One ", the feature of " second " can explicitly or implicitly include at least one of the features.In addition, the skill between each embodiment
Art scheme can be combined with each other, but must be based on can be realized by those of ordinary skill in the art, when technical solution
Will be understood that the combination of this technical solution is not present in conjunction with there is conflicting or cannot achieve when, also not the present invention claims
Protection scope within.
As shown in fig.1, being that the application environment of the preferred embodiment of the debt-credit operation method the present invention is based on block chain is shown
It is intended to.The application environment schematic diagram includes multiple servers 1 and terminal device 2.Server provided by trading is as exchange
The server that node, third party authoritative institution provide is made as the server that third party authoritative institution node, insurance company provide
The block chain borrowed money for the server that insurance company's node, monitoring party provide as monitoring party node, each node composition credit
Network.The credit system application of exchange's node offer can be provided in terminal device 2.Loaning bill side can pass through credit system application
Menu in registered, submission data and initiate borrow money request, capital can by credit system apply menu in check
Various loan agreements, to determine whether to make loans.
The server 1 be it is a kind of can according to the instruction for being previously set or store, automatic progress numerical value calculating and/or
The equipment of information processing.The server 1 can be computer, be also possible to single network server, multiple network servers
The server group of composition or the cloud being made of a large amount of hosts or network server based on cloud computing, wherein cloud computing is point
One kind that cloth calculates, a super virtual computer consisting of a loosely coupled set of computers.
In the present embodiment, it as shown in Fig. 2, server 1 may include, but is not limited only to, system bus phase intercommunication can be passed through
Believe that memory 11, the processor 12, network interface 13 of connection, memory 11 are stored with the processing system that can be run on the processor 12
System.It should be pointed out that Fig. 2 illustrates only the server 1 with component 11-13, it should be understood that being not required for implementing
All components shown, the implementation that can be substituted is more or less component.
Wherein, memory 11 includes the readable storage medium storing program for executing of memory and at least one type.Inside save as the operation of server 1
Caching is provided；Readable storage medium storing program for executing can be for if flash memory, hard disk, multimedia card, card-type memory are (for example, SD or DX memory
Deng), random access storage device (RAM), static random-access memory (SRAM), read-only memory (ROM), electric erasable can compile
Journey read-only memory (EEPROM), programmable read only memory (PROM), magnetic storage, disk, CD etc. it is non-volatile
Storage medium.In some embodiments, readable storage medium storing program for executing can be the internal storage unit of server 1, such as the server 1
Hard disk；In further embodiments, which is also possible to the External memory equipment of server 1, such as
The plug-in type hard disk being equipped on server 1, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..In the present embodiment, the readable storage medium storing program for executing of memory 11 is commonly used in
Storage is installed on the processing system in the operating system and types of applications software of server 1, such as storage one embodiment of the invention
Program code etc..In addition, memory 11 can be also used for temporarily storing the Various types of data that has exported or will export.
The processor 12 can be in some embodiments central processing unit (Central Processing Unit,
CPU), controller, microcontroller, microprocessor or other data processing chips.The processor 12 is commonly used in the control clothes
The overall operation of business device 1, such as execute control relevant to the terminal device 2 progress data interaction or communication and processing
Deng.In the present embodiment, the processor 12 is for running the program code stored in the memory 11 or processing data, example
Such as run processing system.
The network interface 13 may include radio network interface or wired network interface, which is commonly used in
Communication connection is established between the server 1 and other electronic equipments.In the present embodiment, network interface 13 is mainly used for service
Device 1 is connected with terminal device 2, establishes data transmission channel and communication connection between server 1 and terminal device 2.
The processing system is stored in memory 11, is stored in including at least one computer-readable in memory 11
Instruction, at least one computer-readable instruction can be executed by processor device 12, the method to realize each embodiment of the application；With
And the function that at least one computer-readable instruction is realized according to its each section is different, can be divided into different logic moulds
Block.
In one embodiment, when the server 1 is as exchange's node, above-mentioned processing system is executed by the processor 12
Shi Shixian following steps:
In the block chain network built in advance, the transaction request for carrying user information and authorization message is received, intelligence is passed through
The user information and authorization message are recorded in block chain account book by energy contract, and the user information is for third party authoritative institution node
It carries out credit appraisal and obtains credit scoring；
The loaning bill request that Client-initiated carries loan types and demand information is received, if the credit scoring of the user is greater than
Equal to scheduled credit scoring, then the loan types and demand information are recorded in the block chain account book by intelligent contract,
And the loan types and demand information are pushed into insurance company's node；
The user information, credit scoring and demand information basis of formation contract are based in insurance company and are audited by air control logical
Later, the information passed through based on the framework contract and audit forms written contract, is issuing this just in credit system application
Formula contract is consulted for capital, and the investing tip of capital is received by credit system application, according to the written contract and money
The investing tip of side generates corresponding loan agreement, and the loan agreement is recorded in the block chain account book by intelligent contract
On；
If the user withdraws deposit the amount of money based on the loan agreement in exchange, which is withdrawn deposit the information of withdrawing deposit of amount of money
It is recorded on the block chain account book by intelligent contract.
Further, the loan types include non-public welfare loan and public welfare loan.
Further, if the loan types are non-public welfare loan, when processing system is executed by the processor 12,
Also realize following steps:
After reception Client-initiated refunds request on time, refund information is obtained, if the refund information and the loan close
It is consistent with the refund appointed information of middle record, then this refund information is recorded in by the block chain account book by intelligent contract
On.
Further, if the loan types are non-public welfare loan, when processing system is executed by the processor 12,
Also realize following steps:
After receiving the request of Client-initiated payment beforehand, refund information is obtained, if the refund information and the loan close
It is consistent with the refund appointed information of middle record, then complementary agreement is generated, then passes through intelligent contract for this refund information and the benefit
Agreement is filled to be recorded on the block chain account book.
Further, after the step S2, further includes:
If the credit scoring of the user is more than or equal to scheduled credit scoring, exchange's node is based on scheduled letter
With the incidence relation of scoring and the maximum amount of the loan, determines the corresponding maximum amount of the loan of the credit scoring of the user, pass through intelligence
The maximum amount of the loan is recorded in the block chain account book by energy contract；
After the step S6, further includes:
If the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node is based on being withdrawn deposit
Amount of money reduces the maximum amount of the loan, and the maximum amount of the loan after reduction is recorded in the block chain account book by intelligent contract
In；
After the completion of the user refunds, exchange's node restores the maximum amount of the loan of the user, and according to described
Written contract and this refund information improve the maximum amount of the loan of the user, and the maximum after raising is provided a loan by intelligent contract
Amount record is in the block chain account book.
The present invention builds block chain network, institute by the node of exchange, third party authoritative institution, insurance company and monitoring party
There is information to be recorded on block chain, user initiates transaction request in the application of credit system that exchange's node provides, by the
After tripartite authoritative institution is based on user's information progress credit appraisal, user can initiate to carry loan types in exchange
And the loaning bill request of demand information, insurance company assesses whether to accept insurance, insurance company's confirmation accept insurance and air control after the approval,
Exchange forms written contract, by credit system application publication written contract, consults for capital, if capital determines investment,
Corresponding loan agreement is then generated according to the written contract and the investing tip of capital, after loan agreement comes into force, user can handed over
It easily withdraws deposit amount of money of providing a loan, the present invention constructs the block chain network that credit is borrowed money, and provides a kind of safety, credit with a high credibility is borrowed
Money method simplifies loan operation, shortens whole loan timeliness and save the loan cost of user.
The present invention also provides a kind of debt-credit operation methods based on block chain, as shown in figure 3, Fig. 3 is that the present invention is based on areas
The flow diagram of debt-credit one embodiment of operation method of block chain, being somebody's turn to do the debt-credit operation method based on block chain includes following step
It is rapid:
Step S1, in the block chain network built in advance, the credit system application of exchange's node, which receives, carries user
The user information and authorization message are recorded in block chain account book by intelligent contract by the transaction request of information and authorization message
In；
Wherein, user registers in the credit system application of exchange's node, initiates transaction request to exchange's node, mentions
User information and authorization message are handed over, user information includes the credit assets information of personal essential information, individual demand endorsement, authorization
Information is the information whether exchange's node licenses data with other nodes in block chain between any two.
In all embodiments of the invention, non-privacy information (for example, authorization message) is uploaded using ciphertext；Privacy information
(for example, user information) records in time zone block chain account book using using after private key encryption.
Step S2, third party authoritative institution node are based on the user's information and carry out credit appraisal, pass through intelligent conjunction
About the credit scoring after progress credit appraisal is recorded in the block chain account book；
Third party authoritative institution node obtains user information from block chain account book, carries out user's reference according to user information
Evaluation, and a base edition credit scoring is provided, which determines the initial personal value of user, third party authoritative institution node
Transaction is initiated, by intelligent contract by the credit scoring cochain of user, is recorded in block chain account book, all nodes are available
The data.
In one embodiment, in order to improve confidence level, third party authoritative institution node be based on the user's information into
The step of row credit appraisal includes:
Authentication is carried out to user: obtaining user identical with the ID card No. in the user information in public security department
Information to be verified, which is matched with the information to be verified, to carry out authentication；If authentication is logical
It crosses, then inquires the personal reference record of the user, the credit scoring is generated according to individual's reference record.
It wherein, should be by ID card No., name, gender, family when which being matched with the information to be verified
Front yard situation, personal profession information etc. are matched one by one, and the physiological characteristic information of user is matched, for example, using
Face recognition technology, by obtaining the current face picture of user, and in the archive picture of Ministry of Public Security downloading user, the two is carried out
Two-dimension human face identification, to carry out authentication.
Wherein, after generating the credit scoring according to individual's reference record, by other tripartite mechanisms to user
Credit assets endorse.For example, room hands over the house property information of confirmed user authentic and valid, and do not mortgaged, and return
As a result third party authoritative institution node is given；For another example, if user be student, the Ministry of Education can to where student school and student status
Information is endorsed, and returns result to third party authoritative institution node.
Step S3, the credit system application receives Client-initiated carrying loan types and the loaning bill of demand information is asked
It asks, if the credit scoring of the user is more than or equal to scheduled credit scoring, passes through intelligent contract for the loan types and demand
Information is recorded in the block chain account book, and the loan types and demand information are pushed to insurance company's node；
Wherein, loan types include non-public welfare loan and public welfare loan.Non-public welfare loan needs to refund, public welfare
Loan does not need to refund.
Wherein, credit scoring must satisfy sets requirement could initiate borrow money request, specific degree by exchange wind
Control portion and credit audit portion determine.Credit scoring could be initiated to borrow money and ask more than or equal to scheduled credit scoring in the present embodiment
It asks.The maximum amount of the loan can be just recognized only after credit appraisal.When exchange hangs and trades, do not allow beyond most
The big amount of the loan.
In the present embodiment, if the credit scoring of the user is more than or equal to scheduled credit scoring, exchange's node is based on
The incidence relation of scheduled credit scoring and the maximum amount of the loan determines the corresponding maximum loan gold of the credit scoring of the user
The maximum amount of the loan is recorded in the block chain account book by volume by intelligent contract.
Wherein, user initiates request of borrowing money in credit system application, can promise to undertake within certain time limit, pay certain generation
Valence (interest) exchanges the amount of money in amount for using credit assets, which has actually corresponded to various is with credit appraisal
The product that itself is packaged by standard.
It provides a loan for non-public welfare, demand information is for example are as follows: corporate boss A, I has one set of room (to hand over and carried on the back in room in Tianfu Square Development
Book certification), because of capital turnover situation, seek one 200,000 fund, 1 year by a definite date, provides time interest rate 8%.
It provides a loan for public welfare, demand information is for example are as follows: student B, I is that a student enrollment (recognize by Ministry of Education's endorsement
Card) because home background is relatively difficult, the fund sought one 5000 pays tuition fee, 1 year by a definite date, can not bear interest.
Step S4, insurance company's node, if confirmation is accepted insurance, are based on after analyzing the loan types and demand information
The user information, credit scoring and demand information basis of formation contract to be audited by air control to the framework contract, and are being examined
After core passes through, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
Wherein, after exchange's node writes data into block chain, insurance company's node meeting timing scan block chain obtains new
Loan types and demand information in block.After determining accept insurance, basis of formation contract, air control framework contract is audited, and is examined
The information that the framework contract and audit pass through after core passes through is recorded in block chain.
Step S5, exchange's node forms written contract based on the information that the framework contract and audit pass through, in institute
It states in credit system application and issues the written contract, consulted for capital, and receive the throwing of capital by credit system application
Standing breath generates corresponding loan agreement according to the written contract and the investing tip of capital, by intelligent contract by the loan
Contract record is on the block chain account book；
Wherein, written contract is formed by the information that exchange's node is passed through based on framework contract and audit, the written contract
It being issued in credit system application, capital checks or receives written contract in the credit system application of exchange's node,
Provide debt-credit result.If capital agrees to investment, capital inputs investing tip in credit system application, which includes
Investor's essential information, the information whether invested.Then, corresponding loan is generated according to written contract and the investing tip of capital
Contract, loan agreement include user information, third party authoritative institution, the investing tip of capital, guarantee side, borrowing rate, throwing
Provide interest rate and other service details etc..
In one embodiment, in order to be supervised to the process of entire fiduciary loan, further includes: monitoring party node is initiated
It checks the transaction request of the loan agreement, to be supervised to the loan process based on the loan agreement, has prevented illegal
Loan transaction occur.
Step S6, if the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node should
The withdraw deposit information of withdrawing deposit of amount of money of user is recorded on the block chain account book by intelligent contract.
Wherein, after loan agreement comes into force, capital is supplemented with money by personal wallet, and the fund after supplementing with money is offerred by exchange
To fund pool.User is withdrawn deposit the amount of money of loan agreement by exchange, these information are all recorded in block chain.Block chain simultaneously
It can also impart to user and capital dig mine qualification, and can be during use of funds, user and capital can be according to time, funds etc.
Factor generates reward on total mark in the form of digging mine.
In one embodiment, on the basis of the above embodiments, if the loan types are non-public welfare loan, such as Fig. 4
It is shown, then after the step S6, further includes: step S107, the credit system of exchange's node, which is applied, is receiving user
After the request of refund on time initiated, refund information is obtained, if the refund recorded in the refund information and the loan agreement is arranged
Information is consistent, then this refund information is recorded on the block chain account book by intelligent contract.
Wherein, user fulfils loan agreement, initiates to refund in the credit system application of exchange's node in repayment date and hand over
Easily request, after exchange's node receives request, user refunds according to loan agreement and by exchange, and user supplements fund with money
To personal wallet, it is timed to inside the personal wallet of user draw by exchange and is buckled, fund is drawn to the personal money of button to capital
Packet.After all funds of user are also complete, trade produced by transaction record, record of honouring an agreement, contract complete record, information record to
Block chain.Wherein, which includes: repayment schedule, record of refunding, fund distribution detail.
In another embodiment, on the basis of the above embodiments, if the loan types are non-public welfare loan, such as scheme
Shown in 5, then after the step S6, further includes: step S207, the credit system of exchange's node, which is applied, is receiving user
After the payment beforehand request of initiation, refund information is obtained, if the refund recorded in the refund information and the loan agreement is arranged
Information is consistent, then generates complementary agreement, then this refund information and the complementary agreement is recorded in the area by intelligent contract
On block chain account book.
For the present embodiment unlike a upper embodiment, user has carried out payment beforehand, improves application flexibility.Exchange
After node receives request, on the basis of original loan agreement, complementary agreement is generated.Wherein, complementary agreement includes: and goes back in advance
The amount of money of money, date, the amendment to repayment schedule.After all funds of user are also complete, transaction record produced by trading is honoured an agreement
Record, contract complete record, and information is recorded to block chain.Wherein, which includes: repayment schedule, record of refunding, fund distribution
Detail.
In one embodiment, after the step S6, further includes: if the user withdraws deposit in exchange based on the loan agreement
Amount of money, then exchange's node reduces the maximum amount of the loan based on the amount of money withdrawn deposit, will be dropped by intelligent contract
The maximum amount of the loan after low is recorded in the block chain account book；
After the completion of the user refunds, exchange's node restores the maximum amount of the loan of the user, and according to described
Written contract and this refund information improve the maximum amount of the loan of the user, and the maximum after raising is provided a loan by intelligent contract
Amount record is in the block chain account book.
Further, user and capital can prove that the promotion of the credit worthiness of itself, such as capital are thrown by assets
The total value of money be it is how many, corresponding credit worthiness improves how many；The full amount that loaning bill side borrows money is how many, corresponding credit valence
Value improves how many.For loaning bill side, if credit worthiness improves, the maximum amount of the loan is accordingly also improved.
Compared with prior art, the present invention is taken by the node of exchange, third party authoritative institution, insurance company and monitoring party
Block chain network is built, all information are recorded on block chain, and user initiates in the credit system application that exchange's node provides
Transaction request, after being based on user's information progress credit appraisal by third party authoritative institution, user can be in exchange
It initiates to carry loan types and the loaning bill of demand information is requested, insurance company assesses whether to accept insurance, and accepts insurance in insurance company's confirmation
And air control is after the approval, and exchange forms written contract, by credit system application publication written contract, consulted for capital,
If capital determines investment, corresponding loan agreement, loan agreement are generated according to the written contract and the investing tip of capital
After coming into force, user can withdraw deposit amount of money of providing a loan in exchange, and the present invention constructs the block chain network that credit is borrowed money, and provide a kind of peace
Entirely, credit loaning bill method with a high credibility, simplify loan operation, the loan that shortens whole loan timeliness and save user at
This.
The present invention also provides a kind of debt-credit operating system based on block chain, the debt-credit operating system based on block chain
Including exchange's node, third party authoritative institution node, insurance company's node and monitoring party node, in which:
Exchange's node carries user information and authorization letter for receiving in the block chain network built in advance
The user information and authorization message are recorded in block chain account book by the transaction request of breath by intelligent contract；
Third party authoritative institution node passes through intelligence for carrying out credit appraisal based on the user's information
Credit scoring after carrying out credit appraisal is recorded in the block chain account book by contract；
Exchange's node is also used to receive the loaning bill request that Client-initiated carries loan types and demand information,
If the credit scoring of the user is more than or equal to scheduled credit scoring, pass through intelligent contract for the loan types and demand information
It is recorded in the block chain account book, and the loan types and demand information is pushed into insurance company's node；
Insurance company's node, for after analyzing the loan types and demand information, if confirmation is accepted insurance, being based on should
User information, credit scoring and demand information basis of formation contract, to be audited by air control to the framework contract, and are being audited
By rear, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
Exchange's node is also used to form written contract based on the information that the framework contract and audit pass through, in institute
It states in credit system application and issues the written contract, consulted for capital, and receive the throwing of capital by credit system application
Standing breath generates corresponding loan agreement according to the written contract and the investing tip of capital, by intelligent contract by the loan
Contract record is on the block chain account book；If the user withdraws deposit the amount of money based on the loan agreement in exchange, by the use
The withdraw deposit information of withdrawing deposit of amount of money of family is recorded on the block chain account book by intelligent contract.
The present invention also provides a kind of computer readable storage medium, processing is stored on the computer readable storage medium
System, the processing system realize the step of above-mentioned exchange's node executes when being executed by processor.
The serial number of the above embodiments of the invention is only for description, does not represent the advantages or disadvantages of the embodiments.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can be realized by means of software and necessary general hardware platform, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Based on this understanding, technical solution of the present invention substantially in other words does the prior art
The part contributed out can be embodied in the form of software products, which is stored in a storage medium
In (such as ROM/RAM, magnetic disk, CD), including some instructions are used so that a terminal device (can be mobile phone, computer, clothes
Business device, air conditioner or the network equipment etc.) execute method described in each embodiment of the present invention.
The above is only a preferred embodiment of the present invention, is not intended to limit the scope of the invention, all to utilize this hair
Equivalent structure or equivalent flow shift made by bright specification and accompanying drawing content is applied directly or indirectly in other relevant skills
Art field, is included within the scope of the present invention.
Claims (10)
1. a kind of debt-credit operation method based on block chain, is characterized in that, the debt-credit operation method based on block chain includes:
S1, in the block chain network built in advance, the credit system application of exchange's node, which receives, to be carried user information and awards
The user information and authorization message, are recorded in block chain account book by the transaction request for weighing information by intelligent contract；
S2, third party authoritative institution node are based on the user's information and carry out credit appraisal, will be carried out by intelligent contract
Credit scoring after credit appraisal is recorded in the block chain account book；
S3, the credit system application receives the loaning bill request that Client-initiated carries loan types and demand information, if the use
The credit scoring at family is more than or equal to scheduled credit scoring, then is recorded in the loan types and demand information by intelligent contract
In the block chain account book, and the loan types and demand information are pushed into insurance company's node；
S4, insurance company's node is after analyzing the loan types and demand information, if confirmation is accepted insurance, is believed based on the user
Breath, credit scoring and demand information basis of formation contract, to be audited by air control to the framework contract, and pass through in audit
Afterwards, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
S5, exchange's node forms written contract based on the information that the framework contract and audit pass through, in the credit system
The written contract is issued in system application, is consulted for capital, and receives the investing tip of capital, root by credit system application
Corresponding loan agreement is generated according to the written contract and the investing tip of capital, is recorded in the loan agreement by intelligent contract
On the block chain account book；
S6, if the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node withdraws deposit the user
The information of withdrawing deposit of amount of money is recorded on the block chain account book by intelligent contract.
2. the debt-credit operation method according to claim 1 based on block chain, which is characterized in that the loan types include
Non-public welfare loan and public welfare loan.
3. the debt-credit operation method according to claim 2 based on block chain, which is characterized in that if the loan types are
Non-public welfare loan, then after the step S6, further includes:
The credit system of exchange's node is applied after reception Client-initiated refunds request on time, and refund information is obtained,
If the refund appointed information recorded in the refund information and the loan agreement is consistent, this is refunded by intelligent contract and is believed
Breath is recorded on the block chain account book.
4. the debt-credit operation method according to claim 2 based on block chain, which is characterized in that if the loan types are
Non-public welfare loan, then after the step S6, further includes:
The credit system of exchange's node is applied after receiving the request of Client-initiated payment beforehand, and refund information is obtained,
If the refund appointed information recorded in the refund information and the loan agreement is consistent, complementary agreement is generated, then passes through intelligence
This refund information and the complementary agreement are recorded on the block chain account book by contract.
5. the debt-credit operation method according to claim 3 or 4 based on block chain, which is characterized in that the step S2 it
Afterwards, further includes:
If the credit scoring of the user is more than or equal to scheduled credit scoring, exchange's node is based on scheduled credit and comments
Divide the incidence relation with the maximum amount of the loan, determines the corresponding maximum amount of the loan of the credit scoring of the user, pass through intelligent conjunction
About the maximum amount of the loan is recorded in the block chain account book；
After the step S6, further includes:
If the user withdraws deposit the amount of money based on the loan agreement in exchange, exchange's node is based on the amount of money withdrawn deposit
The maximum amount of the loan is reduced, the maximum amount of the loan after reduction is recorded in the block chain account book by intelligent contract；
After the completion of the user refunds, exchange's node restores the maximum amount of the loan of the user, and according to described formal
Contract and this refund information improve the maximum amount of the loan of the user, by intelligent contract by the maximum amount of the loan after raising
It is recorded in the block chain account book.
6. the debt-credit operation method according to any one of claims 1 to 4 based on block chain, which is characterized in that described
Tripartite authoritative institution node is based on the step of user's information carries out credit appraisal, specifically includes:
To user carry out authentication: obtain public security department in user identical with the ID card No. in the user information to
Verification information matches the user information, with the information to be verified to carry out authentication；
If authentication passes through, the personal reference record of the user is inquired, the credit is generated according to individual's reference record
Scoring.
7. the debt-credit operation method according to any one of claims 1 to 4 based on block chain, which is characterized in that the step
After rapid S5, further includes:
Monitoring party node initiates to check the transaction request of the loan agreement, with to the loan process based on the loan agreement into
Row supervision.
8. a kind of server, which is characterized in that the server be exchange's node, the server include memory and with institute
The processor of memory connection is stated, is stored with the processing system that can be run on the processor, the place in the memory
Reason system realizes the step of exchange's node as described in any one of claim 1 to 7 executes when being executed by the processor.
9. a kind of debt-credit operating system based on block chain, which is characterized in that the debt-credit operating system packet based on block chain
Include exchange's node, third party authoritative institution node, insurance company's node and monitoring party node, in which:
Exchange's node is received and carries user information and authorization message in the block chain network built in advance
The user information and authorization message are recorded in block chain account book by transaction request by intelligent contract；
Third party authoritative institution node passes through intelligent contract for carrying out credit appraisal based on the user's information
Credit scoring after progress credit appraisal is recorded in the block chain account book；
Exchange's node is also used to receive the loaning bill request that Client-initiated carries loan types and demand information, if should
The credit scoring of user is more than or equal to scheduled credit scoring, then is recorded the loan types and demand information by intelligent contract
In the block chain account book, and the loan types and demand information are pushed into insurance company's node；
Insurance company's node, for if confirmation is accepted insurance, being based on the user after analyzing the loan types and demand information
Information, credit scoring and demand information basis of formation contract to be audited by air control to the framework contract, and pass through in audit
Afterwards, the information that the framework contract and audit pass through is recorded into the block chain account book by intelligent contract；
Exchange's node is also used to form written contract based on the information that the framework contract and audit pass through, in the letter
With system apply in issue the written contract, for capital consult, and by the credit system application receive capital investment letter
Breath generates corresponding loan agreement according to the written contract and the investing tip of capital, by intelligent contract by the loan agreement
It is recorded on the block chain account book；If the user withdraws deposit the amount of money based on the loan agreement in exchange, which is mentioned
The information of withdrawing deposit of cash volume is recorded on the block chain account book by intelligent contract.
10. a kind of computer readable storage medium, which is characterized in that be stored with processing system on the computer readable storage medium
System, the processing system realize that exchange's node as described in any one of claim 1 to 7 executes when being executed by the processor
The step of.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811095270.XA CN109509078B (en) | 2018-09-19 | 2018-09-19 | Block chain-based loan operation method, system, server and storage medium |
| PCT/CN2018/123586 WO2020056975A1 (en) | 2018-09-19 | 2018-12-25 | Loan operation method and system based on blockchain, server and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811095270.XA CN109509078B (en) | 2018-09-19 | 2018-09-19 | Block chain-based loan operation method, system, server and storage medium |
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| Publication Number | Publication Date |
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| CN109509078A true CN109509078A (en) | 2019-03-22 |
| CN109509078B CN109509078B (en) | 2023-04-18 |
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| WO (1) | WO2020056975A1 (en) |
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