CN109509078B - Block chain-based loan operation method, system, server and storage medium - Google Patents
Block chain-based loan operation method, system, server and storage medium Download PDFInfo
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- CN109509078B CN109509078B CN201811095270.XA CN201811095270A CN109509078B CN 109509078 B CN109509078 B CN 109509078B CN 201811095270 A CN201811095270 A CN 201811095270A CN 109509078 B CN109509078 B CN 109509078B
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Abstract
The invention relates to a block chain technology, and discloses a loan operation method, a system, a server and a storage medium based on a block chain, wherein the method comprises the following steps: in a block chain network, a credit system application of an exchange receives a transaction request, a third-party authority performs credit evaluation on a user, the credit system application receives a loan request initiated by the user, and if the credit score of the user is greater than or equal to a preset credit score, the loan type and the demand information are recorded in a block chain; and the insurance company node evaluates whether to underwrite, if underwrite, a basic contract is formed, the exchange node forms a formal contract based on the basic contract and the information passed by the wind control examination, the formal contract is issued and consulted by the supplier, if the supplier determines the investment, a loan contract is generated, and the user withdraws the amount of money in the exchange after the loan contract takes effect. The invention can simplify loan operation, shorten the whole loan timeliness and save the loan cost of the user.
Description
Technical Field
The present invention relates to the field of blockchain technologies, and in particular, to a method, a system, a server, and a storage medium for loan operation based on blockchains.
Background
A credit debit refers to a form of value movement subject to reimbursement and payment. Currently, credit loans on various platforms are in the form of products, and a borrower can consult various products through consultation services on line or off line, select corresponding credit loan products according to conditions such as repayment, payment and the like, and pay corresponding consultation fees, information service fees and the like. In the process, the borrower obtains loan-related data through some institutions, submits the related data to the borrower, and the borrower audits the data of the borrower, issues a loan to the borrower after the audit is passed, and performs post-loan management. The whole credit borrowing process is complex in operation, long in timeliness and high in credit borrowing cost.
Disclosure of Invention
The invention aims to provide a block chain-based loan operation method, a block chain-based loan operation system, a block chain-based loan operation server and a block chain-based loan operation storage medium, and aims to simplify loan operations, shorten the overall loan timeliness and save loan costs for users.
In order to achieve the above object, the present invention provides a block chain-based loan operation method, including:
s1, in a pre-established block chain network, a credit system application of a trading place node receives a trading request carrying user information and authorization information, and the user information and the authorization information are recorded in a block chain account book through an intelligent contract;
s2, the third-party authority node performs credit evaluation on the user based on the user information, and records credit scores after the credit evaluation in the block chain account book through an intelligent contract;
s3, the credit system application receives a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is larger than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to an insurance company node;
s4, after the insurance company node analyzes the loan type and the demand information, if underwriting is confirmed, a basic contract is formed based on the user information, credit score and the demand information, the basic contract is audited by wind control, and after the audit is passed, the basic contract and the information of the audit pass are recorded into the block chain account book through an intelligent contract;
s5, the exchange node forms a formal contract based on the basic contract and the information passed by the verification, issues the formal contract in the credit system application for the reference of a supplier, receives the investment information of the supplier through the credit system application, generates a corresponding loan contract according to the formal contract and the investment information of the supplier, and records the loan contract on the block chain ledger through an intelligent contract;
and S6, if the user withdraws the amount based on the loan contract at the exchange, the exchange node records withdrawal information of the user withdrawal amount on the block chain account book through the intelligent contract.
Preferably, the loan types include non-equity loans and equity loans.
Preferably, if the loan type is a non-public welfare loan, after the step S6, the method further includes:
and the credit system of the exchange node is applied to obtain repayment information after receiving a timely repayment request initiated by a user, and if the repayment information is consistent with repayment agreement information recorded in the loan contract, the repayment information is recorded on the block chain account book through an intelligent contract.
Preferably, if the loan type is a non-public welfare loan, after the step S6, the method further includes:
and the credit system application of the exchange node acquires repayment information after receiving an advance repayment request initiated by a user, generates a supplementary agreement if the repayment information is consistent with repayment agreement information recorded in the loan contract, and records the repayment information and the supplementary agreement on the block chain account book through an intelligent contract.
Preferably, after step S2, the method further includes:
if the credit score of the user is larger than or equal to the preset credit score, the exchange node determines the maximum loan amount corresponding to the credit score of the user based on the association relationship between the preset credit score and the maximum loan amount, and records the maximum loan amount in the block chain account book through an intelligent contract;
after the step S6, the method further includes:
if the user withdraws the amount based on the loan contract at the exchange, the exchange node reduces the maximum loan amount based on the withdrawn amount, and records the reduced maximum loan amount in the block chain account book through an intelligent contract;
and after the repayment of the user is completed, the exchange node recovers the maximum loan amount of the user, improves the maximum loan amount of the user according to the formal contract and the repayment information, and records the improved maximum loan amount in the block chain account book through an intelligent contract.
Preferably, the step of performing credit evaluation on the user by the third party authority node based on the user information specifically includes:
and (3) carrying out identity authentication on the user: acquiring to-be-verified information of a user in the public security department, wherein the identity card number of the user is the same as that of the user information, and matching the user information with the to-be-verified information to perform identity verification;
if the identity authentication is passed, inquiring the personal credit investigation record of the user, and generating the credit score according to the personal credit investigation record.
Preferably, after the step S5, the method further includes:
a supervising party node initiates a transaction request to view the loan contract to supervise a loan process based on the loan contract.
In order to achieve the above object, the present invention further provides a server, where the server is a exchange node, the server includes a memory and a processor connected to the memory, the memory stores a processing system capable of running on the processor, and the processing system implements the steps executed by the exchange node when executed by the processor.
In order to achieve the above object, the present invention further provides a block chain-based loan operation system, where the block chain-based loan operation system includes an exchange node, a third party authority node, an insurance company node, and a supervisor node, where:
the trading exchange node is used for receiving a trading request carrying user information and authorization information in a pre-established block chain network and recording the user information and the authorization information in a block chain account book through an intelligent contract;
the third party authority node is used for performing credit evaluation on the user based on the user information and recording credit scores after the credit evaluation in the block chain account book through an intelligent contract;
the exchange node is also used for receiving a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is greater than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to an insurance company node;
the insurance company node is used for forming a basic contract based on the user information, credit score and requirement information after analyzing the loan type and the requirement information and verifying the basic contract by wind control if underwriting is confirmed, and recording the basic contract and the verified information into the block chain account book through an intelligent contract after the basic contract and the verified information pass the verification;
the exchange node is also used for forming a formal contract based on the basic contract and the information passed by the examination, issuing the formal contract in credit system application of the exchange node for reference by a supplier, receiving investment information of an owner through the credit system application, generating a corresponding loan contract according to the formal contract and the investment information of the owner, and recording the loan contract on the block chain account book through an intelligent contract; and if the user pays the money based on the loan contract at the exchange, recording withdrawal information of the withdrawal money of the user on the blockchain account book through the intelligent contract.
The invention also provides a computer readable storage medium having stored thereon a processing system which, when executed by a processor, carries out the steps performed by the exchange node described above.
The invention has the beneficial effects that: the invention constructs a block chain network of credit borrowing by nodes of an exchange, a third-party authority, an insurance company and a monitoring party, all information is recorded on a block chain, a user initiates a transaction request in credit system application provided by the exchange nodes, after credit evaluation is carried out on the user by the third-party authority based on user information, the user can initiate a borrowing request carrying loan type and demand information in the exchange, the insurance company evaluates whether to underwrite, after the insurance company confirms underwriting and passes through wind control examination, the exchange forms a formal contract which is issued by the credit system application for reference by a funding party, if the funding party determines investment, a corresponding contract is generated according to the formal contract and the investment information of the funding party, after the loan contract takes effect, the user can cash the loan amount in the exchange, the invention constructs the block chain network of the credit borrowing, and provides a safe and high-credibility credit borrowing method, thereby simplifying loan operation, shortening the overall loan timeliness and saving the loan cost of the user.
Drawings
FIG. 1 is a schematic diagram of an alternative application environment according to various embodiments of the present invention;
FIG. 2 is a diagram of the hardware architecture of one embodiment of the server of FIG. 1;
FIG. 3 is a schematic flowchart of a block chain-based loan operation method according to a first embodiment of the invention;
FIG. 4 is a flowchart illustrating a block chain based loan operation method according to a second embodiment of the present invention;
fig. 5 is a flowchart illustrating a block chain-based loan operation method according to a third embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Fig. 1 is a schematic diagram of an application environment of the block chain-based loan operation method according to the preferred embodiment of the invention. The schematic application environment includes an exchange 30, a third party authority 50, an insurance company 10, a plurality of servers (see the server 1 shown in fig. 2) of the supervisor 20, and a terminal device 2. The server provided by the exchange serves as an exchange node, the server provided by the third-party authority serves as a third-party authority node, the server provided by the insurance company serves as an insurance company node, the server provided by the supervisor serves as a supervisor node, and each node forms a block chain network for credit borrowing. A credit system application provided by the exchange node may be run in the terminal device 2. The borrower can register, submit data and initiate a borrowing request through the menu of the credit system application, and the sponsor can check various loan contracts through the menu of the credit system application to determine whether to release money.
The server 1 is a device capable of automatically performing numerical calculation and/or information processing in accordance with a command set in advance or stored. The server 1 may be a computer, or may be a single network server, a server group composed of a plurality of network servers, or a cloud composed of a large number of hosts or network servers based on cloud computing, where cloud computing is one of distributed computing and is a super virtual computer composed of a group of loosely coupled computers.
In the embodiment, as shown in fig. 2, the server 1 may include, but is not limited to, a memory 11, a processor 12, and a network interface 13, which are communicatively connected to each other through a system bus, and the memory 11 stores a processing system that can be executed on the processor 12. It is noted that fig. 2 only shows the server 1 with components 11-13, but it is to be understood that not all of the shown components are required to be implemented, and that more or fewer components may be implemented instead.
The storage 11 includes a memory and at least one type of readable storage medium. The memory provides cache for the operation of the server 1; the readable storage medium may be a non-volatile storage medium such as a flash memory, a hard disk, a multimedia card, a card type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, etc. In some embodiments, the readable storage medium may be an internal storage unit of the server 1, such as a hard disk of the server 1; in other embodiments, the non-volatile storage medium may also be an external storage device of the server 1, such as a plug-in hard disk provided on the server 1, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like. In this embodiment, the readable storage medium of the memory 11 is generally used for storing an operating system and various types of application software installed in the server 1, for example, program codes of a processing system in an embodiment of the present invention, and the like. Further, the memory 11 may also be used to temporarily store various types of data that have been output or are to be output.
The processor 12 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 12 is generally configured to control the overall operation of the server 1, for example, to perform control and processing related to data interaction or communication with the terminal device 2. In this embodiment, the processor 12 is configured to run the program code stored in the memory 11 or process data, for example, run a processing system.
The network interface 13 may comprise a wireless network interface or a wired network interface, and the network interface 13 is generally used for establishing communication connection between the server 1 and other electronic devices. In this embodiment, the network interface 13 is mainly used to connect the server 1 and the terminal device 2, and establish a data transmission channel and a communication connection between the server 1 and the terminal device 2.
The processing system is stored in the memory 11 and includes at least one computer readable instruction stored in the memory 11, which is executable by the processor 12 to implement the method of the embodiments of the present application; and the at least one computer readable instruction may be divided into different logic blocks depending on the functions implemented by the respective portions.
In one embodiment, when the server 1 is used as an exchange node, the processing system implements the following steps when executed by the processor 12:
in a pre-established block chain network, receiving a transaction request carrying user information and authorization information, and recording the user information and the authorization information in a block chain account book through an intelligent contract, wherein the user information is used for a third-party authority node to perform credit evaluation and obtain a credit score;
receiving a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is greater than or equal to a preset credit score, recording the loan type and the demand information in the block chain account book through an intelligent contract, and pushing the loan type and the demand information to an insurance company node;
after an insurance company forms a basic contract based on the user information, credit score and demand information and passes wind control examination, a formal contract is formed based on the basic contract and the information passing the examination, the formal contract is issued in the credit system application and is consulted by a supplier, investment information of the supplier is received through the credit system application, a corresponding loan contract is generated according to the formal contract and the investment information of the supplier, and the loan contract is recorded on the block chain account book through an intelligent contract;
and if the user pays the money based on the loan contract at the exchange, recording withdrawal information of the withdrawal money of the user on the blockchain account book through the intelligent contract.
Further, the loan types include non-equity loans and equity loans.
Further, if the loan type is a non-commonweal loan, the processing system when executed by the processor 12 further performs the steps of:
and after receiving an on-time repayment request initiated by a user, acquiring repayment information, and if the repayment information is consistent with repayment agreement information recorded in the loan contract, recording the repayment information on the block chain account book through an intelligent contract.
Further, if the loan type is a non-equity loan, the processing system, when executed by the processor 12, further performs the steps of:
and after receiving an advance repayment request initiated by a user, acquiring repayment information, if the repayment information is consistent with repayment agreement information recorded in the loan contract, generating a supplementary agreement, and recording the repayment information and the supplementary agreement on the block chain account book through an intelligent contract.
Further, after the step S2, the method further includes:
if the credit score of the user is larger than or equal to the preset credit score, the exchange node determines the maximum loan amount corresponding to the credit score of the user based on the association relationship between the preset credit score and the maximum loan amount, and records the maximum loan amount in the block chain account book through an intelligent contract;
after the step S6, the method further includes:
if the user pays the money based on the loan contract on the exchange, the exchange node reduces the maximum loan amount based on the paid money, and the reduced maximum loan amount is recorded in the block chain account book through an intelligent contract;
and after the repayment of the user is completed, the exchange node recovers the maximum loan amount of the user, improves the maximum loan amount of the user according to the formal contract and the repayment information, and records the improved maximum loan amount in the block chain account book through an intelligent contract.
The method comprises the steps that a regional chain network is built by nodes of a trading post, a third-party authority, an insurance company and a monitoring party, all information is recorded on a regional chain, a user initiates a transaction request in credit system application provided by the nodes of the trading post, the user can initiate a loan request carrying loan type and requirement information in the trading post after credit evaluation is carried out on the user through the third-party authority based on user information, the insurance company evaluates whether to underwrite or not, the official contract is formed after the insurance company confirms underwriting and passes wind control examination, the trading post issues the official contract through the credit system application for reference, if the fund determines investment, the corresponding contract is generated according to the official contract and the investment information of the fund, after the loan contract takes effect, the user can pay the loan amount in the trading post, the regional chain network for loan is built, and the loan borrowing method with high safety and reliability is provided, loan operation is simplified, the overall loan timeliness is shortened, and the loan cost of the user is saved.
The invention further provides a block chain-based loan operation method, as shown in fig. 3, fig. 3 is a schematic flow chart of an embodiment of the block chain-based loan operation method of the invention, and the block chain-based loan operation method includes the following steps:
step S1, in a pre-established block chain network, a credit system application of a trading place node receives a trading request carrying user information and authorization information, and the user information and the authorization information are recorded in a block chain account book through an intelligent contract;
the user registers in the credit system application of the exchange node, initiates a transaction request to the exchange node, submits user information and authorization information, wherein the user information comprises personal basic information and credit asset information of which the individual needs endorsement, and the authorization information is information of whether data use is authorized between the exchange node and other nodes in the block chain.
In all embodiments of the invention, non-private information (e.g., authorization information) is uploaded using ciphertext; private information (e.g., user information) is recorded into the blockchain ledger after being encrypted by a private key.
S2, the third party authority node performs credit evaluation on the user based on the user information, and records credit scores after the credit evaluation in the block chain account book through an intelligent contract;
the third-party authority node obtains user information from the block chain account book, performs user credit investigation evaluation according to the user information, provides a basic version credit score, determines the initial body price of the user according to the credit score, initiates a transaction, links the credit score of the user to the block chain account book through an intelligent contract, and records the credit score in the block chain account book, so that all nodes can obtain the data.
In one embodiment, in order to improve the credibility, the step of the third party authority node performing credit evaluation on the user based on the user information comprises the following steps:
and (3) carrying out identity authentication on the user: acquiring to-be-verified information of a user in the public security department, wherein the identity card number of the user is the same as that of the user information, and matching the user information with the to-be-verified information to perform identity verification; if the identity authentication is passed, inquiring the personal credit investigation record of the user, and generating the credit score according to the personal credit investigation record.
When the user information is matched with the information to be verified, the identity card number, the name, the gender, the family condition, the personal occupation information and the like are matched one by one, and the physiological characteristic information of the user is matched, for example, by using a face recognition technology, the current face picture of the user is obtained, the filed picture of the user is downloaded at a public security department, and the two-dimensional face recognition is carried out on the face picture and the filed picture to carry out the identity authentication.
After the credit score is generated according to the personal credit investigation record, other three-party organizations endorse the credit assets of the user. For example, the house exchange confirms that the house property information of the user is real and effective, mortgage is not performed, and a result is returned to the third-party authority node; if the user is a student, the education department can endorse the information of the school and the student status of the student and return the result to the third-party authority node.
Step S3, the credit system application receives a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is larger than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to an insurance company node;
the loan types comprise non-equity loans and equity loans. Non-equity loans require repayment, and equity loans do not.
The credit score must meet the set requirement to initiate the borrowing request, and the specific degree is determined by the wind control part and the credit check part of the exchange. In this embodiment, the borrowing request can be initiated only if the credit score is greater than or equal to the predetermined credit score. The maximum loan amount can only be approved after the credit evaluation. The maximum loan amount is not allowed to be exceeded while the exchange is on hold.
In this embodiment, if the credit score of the user is greater than or equal to the predetermined credit score, the exchange node determines the maximum loan amount corresponding to the credit score of the user based on the association relationship between the predetermined credit score and the maximum loan amount, and records the maximum loan amount in the block chain account book by the intelligent contract.
The user initiates a borrowing request in the credit system application, can promise to pay certain cost (interest) within a certain time limit, and uses the credit assets to exchange the money in the amount, and the borrowing request actually corresponds to various products packaged by the user by taking credit evaluation as a standard.
For non-public welfare loans, the demand information is, for example: the enterprise owner A has a set of houses (house-to-house endorsement authentication) in a Tianfu square, and seeks 20 ten thousand of funds due to fund turnover, so that the annual percentage benefit is 8% in 1 year.
For a equity loan, the demand information is, for example: student B, i.e. a college student at school (endorsement certification of education department), because the family situation is difficult, seeks 5000 funds to pay a learning fee, and is 1 year old, so that interest cannot be provided.
S4, after the insurance company node analyzes the loan type and the demand information, if underwriting is confirmed, a basic contract is formed based on the user information, credit score and the demand information, the basic contract is audited through wind control, and after the audit is passed, the basic contract and the information which is approved through the audit are recorded into the block chain account book through an intelligent contract;
after the exchange node writes the data into the block chain, the insurance company node scans the block chain regularly to obtain the loan type and the demand information in the new block. And after the underwriting is determined, forming a basic contract, auditing the wind-controlled basic contract, and recording the basic contract and the information of the approved basic contract in the block chain after the auditing is passed.
Step S5, the exchange node forms a formal contract based on the basic contract and the information passed by the checking, issues the formal contract in the credit system application, is consulted by a supplier, receives investment information of an owner through the credit system application, generates a corresponding loan contract according to the formal contract and the investment information of the owner, and records the loan contract on the block chain ledger through an intelligent contract;
the trading post node forms a formal contract based on the basic contract and the approved information, the formal contract is issued in the credit system application, and the sponsor checks or receives the formal contract in the credit system application of the trading post node to give a lending result. If the investor agrees, the investor inputs investment information in the credit system application, wherein the investment information comprises basic information of the investor and information of whether to invest or not. And then, generating a corresponding loan contract according to the formal contract and the investment information of the resource, wherein the loan contract comprises the user information, the third party authority, the investment information of the resource, the guarantor, the borrowing interest rate, the investment interest rate and other service details and the like.
In one embodiment, in order to supervise the whole process of credit loan, the method further comprises the following steps: and the supervising party node initiates a transaction request for viewing the loan contract so as to supervise the loan process based on the loan contract and prevent illegal loan transaction.
And S6, if the user withdraws the amount based on the loan contract at the exchange, the exchange node records withdrawal information of the user withdrawal amount on the block chain account book through an intelligent contract.
After the loan contract takes effect, the fund is recharged by the fund party through the personal wallet, and the recharged fund is reported to the fund pool through the exchange. The user pays out the amount of the loan contract through the exchange, and the information is recorded in the blockchain. Meanwhile, the block chain can also endow the user and the fund with the mining qualification, and the user and the fund can generate point rewards in the form of mining according to the factors of time, fund and the like in the fund using process.
In an embodiment, on the basis of the foregoing embodiment, if the loan type is a non-equity loan, as shown in fig. 4, after the step S6, the method further includes: and step S107, the credit system application of the exchange node acquires repayment information after receiving a timely repayment request initiated by the user, and records the repayment information on the block chain account book through the intelligent contract if the repayment information is consistent with repayment agreement information recorded in the loan contract.
The user fulfills the loan contract, initiates a repayment transaction request in a credit system application of a trading exchange node on a repayment date, and after receiving the request, the trading exchange node recharges funds to a personal wallet according to the loan contract and through the trading exchange, and deducts the funds to the personal wallet of the user at regular time by the trading exchange. When all the money of the user is returned, transaction records, performance records and contract completion records are generated in the exchange, and information is recorded to the block chain. Wherein the recording comprises: repayment plan, repayment record and fund distribution detail.
In another embodiment, on the basis of the above embodiment, if the loan type is a non-equity loan, as shown in fig. 5, after the step S6, the method further includes: step S207, the credit system application of the exchange node obtains repayment information after receiving the advance repayment request initiated by the user, generates a supplementary agreement if the repayment information is consistent with the repayment agreement information recorded in the loan contract, and records the repayment information and the supplementary agreement on the block chain account book through an intelligent contract.
The difference between this embodiment and the previous embodiment is that the user makes an advance payment, which improves the application flexibility. After the exchange node receives the request, a supplementary agreement is generated on the basis of the original loan contract. Wherein the supplementary protocol comprises: the amount and date of payment in advance, and the correction of payment plan. And after all the money of the user is paid, transaction records, performance records and contract completion records generated by the transaction bureau are recorded, and the information is recorded to the block chain. Wherein the recording comprises: repayment plan, repayment record and fund distribution detail.
In an embodiment, after step S6, the method further includes: if the user pays the money based on the loan contract on the exchange, the exchange node reduces the maximum loan amount based on the paid money, and the reduced maximum loan amount is recorded in the block chain account book through an intelligent contract;
and after the repayment of the user is completed, the exchange node recovers the maximum loan amount of the user, improves the maximum loan amount of the user according to the formal contract and the repayment information, and records the improved maximum loan amount in the block chain account book through an intelligent contract.
Furthermore, both the user and the sponsor can prove the improvement of the credit value of the user and the sponsor through the assets, for example, the total amount of investment of the sponsor is how much, and the corresponding credit value is improved; the total amount of the borrower, which is borrowed, increases the corresponding credit value. If the credit value increases for the borrower, the maximum loan amount increases accordingly.
Compared with the prior art, the method comprises the steps that a block chain network is built by nodes of a trading post, a third-party authority, an insurance company and a monitoring party, all information is recorded on the block chain, a user initiates a transaction request in credit system application provided by the nodes of the trading post, after credit evaluation is carried out on the user through the third-party authority on the basis of the user information, the user can initiate a loan request carrying loan type and demand information in the trading post, the insurance company evaluates whether to underwrite or not, after the insurance company confirms underwriting and passes through wind control auditing, the trading post forms a formal contract, the formal contract is issued through the credit system application and is consulted by a financing party, if the investing party determines investment, a corresponding contract is generated according to the investment information of the formal contract and the financing party, after the loan contract takes effect, the user can submit the loan amount in the trading post, the block chain network for loan is built, a safe and high-reliability loan method is provided, loan operation is simplified, the overall loan timeliness is shortened, and the loan cost of the user is saved.
The invention also provides a block chain-based loan operation system, which comprises an exchange node, a third party authority node, an insurance company node and a supervisor node, wherein:
the trading exchange node is used for receiving a trading request carrying user information and authorization information in a pre-established block chain network and recording the user information and the authorization information in a block chain account book through an intelligent contract;
the third party authority node is used for performing credit evaluation on the user based on the user information and recording credit scores after the credit evaluation in the block chain account book through an intelligent contract;
the exchange node is also used for receiving a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is greater than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to an insurance company node;
the insurance company node is used for forming a basic contract based on the user information, credit score and requirement information after analyzing the loan type and the requirement information and verifying the basic contract by wind control if underwriting is confirmed, and recording the basic contract and the verified information into the block chain account book through an intelligent contract after the basic contract and the verified information pass the verification;
the exchange node is also used for forming a formal contract based on the basic contract and the information passed by the examination, issuing the formal contract in the credit system application for the reference of a supplier, receiving the investment information of the supplier through the credit system application, generating a corresponding loan contract according to the formal contract and the investment information of the supplier, and recording the loan contract on the block chain ledger through an intelligent contract; and if the user pays the money based on the loan contract at the exchange, recording withdrawal information of the withdrawal money of the user on the blockchain account book through the intelligent contract.
The present invention also provides a computer readable storage medium having stored thereon a processing system which, when executed by a processor, performs the steps performed by the exchange node described above.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the description of the foregoing embodiments, it is clear to those skilled in the art that the method of the foregoing embodiments may be implemented by software plus a necessary general hardware platform, and certainly may also be implemented by hardware, but in many cases, the former is a better implementation. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which is stored in a storage medium (such as ROM/RAM, magnetic disk, optical disk) and includes instructions for enabling a terminal device (such as a mobile phone, a computer, a server, an air conditioner, or a network device) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A blockchain-based loan operation method, the blockchain-based loan operation method comprising:
s1, in a pre-established block chain network, a credit system application of a trading place node receives a trading request carrying user information and authorization information, and the user information and the authorization information are recorded in a block chain account book through an intelligent contract;
s2, the third party authority node performs credit evaluation on the user based on the user information, and records credit scores after the credit evaluation in the block chain account book through an intelligent contract;
s3, the credit system application receives a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is larger than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to an insurance company node;
s4, after the insurance company node analyzes the loan type and the demand information, if underwriting is confirmed, a basic contract is formed based on the user information, credit score and the demand information, the basic contract is audited through wind control, and after the audit is passed, the basic contract and the information which is audited are recorded into the block chain account book through an intelligent contract;
s5, the exchange node forms a formal contract based on the basic contract and the information passed by the verification, issues the formal contract in the credit system application for the reference of a supplier, receives the investment information of the supplier through the credit system application, generates a corresponding loan contract according to the formal contract and the investment information of the supplier, and records the loan contract on the block chain ledger through an intelligent contract;
and S6, if the user withdraws the amount based on the loan contract at the exchange, the exchange node records withdrawal information of the user withdrawal amount on the block chain account book through the intelligent contract.
2. The method of claim 1, wherein the loan types include non-equity loans and equity loans.
3. The method of claim 2, wherein if the loan type is a non-equity loan, the method further comprises, after step S6:
and the credit system application of the exchange node acquires repayment information after receiving an on-time repayment request initiated by a user, and records the repayment information on the block chain account book through an intelligent contract if the repayment information is consistent with repayment agreement information recorded in the loan contract.
4. The method of claim 2, wherein if the loan type is a non-equity loan, the method further comprises, after step S6:
and the credit system application of the exchange node acquires repayment information after receiving an advance repayment request initiated by a user, generates a supplementary agreement if the repayment information is consistent with repayment agreement information recorded in the loan contract, and records the repayment information and the supplementary agreement on the block chain account book through an intelligent contract.
5. The method for operating block chain based lending according to claim 3 or 4, wherein after the step S2, the method further comprises:
if the credit score of the user is larger than or equal to the preset credit score, the exchange node determines the maximum loan amount corresponding to the credit score of the user based on the association relationship between the preset credit score and the maximum loan amount, and records the maximum loan amount in the block chain account book through an intelligent contract;
after the step S6, the method further includes:
if the user withdraws the amount based on the loan contract at the exchange, the exchange node reduces the maximum loan amount based on the withdrawn amount, and records the reduced maximum loan amount in the block chain account book through an intelligent contract;
and after the repayment of the user is completed, the exchange node recovers the maximum loan amount of the user, improves the maximum loan amount of the user according to the formal contract and the repayment information, and records the improved maximum loan amount in the block chain account book through an intelligent contract.
6. The block chain-based loan operation method according to any one of claims 1 to 4, wherein the step of the third-party authority node performing credit evaluation on the user based on the user information specifically comprises:
and (3) carrying out identity authentication on the user: acquiring to-be-verified information of a user in the public security department, wherein the identity number of the user is the same as that of the user information, and matching the user information with the to-be-verified information to verify the identity;
if the identity authentication is passed, inquiring the personal credit investigation record of the user, and generating the credit score according to the personal credit investigation record.
7. The block chain based loan operation method according to any one of claims 1 to 4, further comprising, after step S5:
a supervising party node initiates a transaction request to view the loan contract to supervise a loan process based on the loan contract.
8. A server, characterized in that the server is an exchange node, the server comprising a memory and a processor connected to the memory, the memory having stored therein a processing system operable on the processor, the processing system when executed by the processor implementing the steps performed by the exchange node according to any one of claims 1 to 7.
9. A borrowing and lending operation system based on a block chain is characterized by comprising an exchange node, a third party authority node, an insurance company node and a supervisor node, wherein:
the trading exchange node is used for receiving a trading request carrying user information and authorization information in a pre-established block chain network and recording the user information and the authorization information in a block chain account book through an intelligent contract;
the third party authority node is used for performing credit evaluation on the user based on the user information and recording credit scores after the credit evaluation in the block chain account book through an intelligent contract;
the exchange node is also used for receiving a loan request which is initiated by a user and carries loan type and demand information, if the credit score of the user is greater than or equal to a preset credit score, the loan type and the demand information are recorded in the block chain account book through an intelligent contract, and the loan type and the demand information are pushed to the insurance company node;
the insurance company node is used for forming a basic contract based on the user information, credit score and requirement information after analyzing the loan type and the requirement information and verifying the basic contract by wind control if underwriting is confirmed, and recording the basic contract and the verified information into the block chain account book through an intelligent contract after the basic contract and the verified information pass the verification;
the exchange node is also used for forming a formal contract based on the basic contract and the information passed by the examination, issuing the formal contract in credit system application of the exchange node for reference by a supplier, receiving investment information of an owner through the credit system application, generating a corresponding loan contract according to the formal contract and the investment information of the owner, and recording the loan contract on the block chain account book through an intelligent contract; and if the user pays the money based on the loan contract at the exchange, recording withdrawal information of the withdrawal money of the user on the blockchain account book through the intelligent contract.
10. A computer readable storage medium, having stored thereon a processing system which, when executed by a processor, carries out the steps performed by the exchange node of any of claims 1 to 7.
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| 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 |
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| 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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| CN109509078A (en) | 2019-03-22 |
| WO2020056975A1 (en) | 2020-03-26 |
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