Specific embodiment
In the following detailed description of the preferred embodiment, reference is constituted to the appended attached drawing of present invention a part.Institute
Attached attached drawing, which has been illustrated by way of example, can be realized specific embodiment.Exemplary embodiment is not intended to
Exhaustive all embodiments according to the present invention.It is appreciated that without departing from the scope of the present invention, can use other
Embodiment can also carry out the modification of structure or logic.Therefore, it is below specific descriptions and it is unrestricted, and this
The range of invention is defined by the claims appended hereto.
Technology, method and apparatus known to person of ordinary skill in the relevant may be not discussed in detail, but suitable
In the case of, the technology, method and apparatus should be considered as part of specification.
Inventor has found that traditional P2P net borrow business procedure in, debt-credit, investment, examination & approval etc. processes all with
Structural data is stored in the system of platform side, and process and result are for investor and monitoring party and opaque.Either
Equity is transferred the possession of in air control, examination & approval when loaning bill, the endorsement of Mortgage assets, or investment, is all in the closed black box in platform side
It completes, user and supervision can only see result data, can not distinguish the true and false.
In view of the above-mentioned problems, the present invention proposes to both correspond to every a lending and borrowing business into the tool for meeting " open assets agreement "
Body intelligence contract.Here, " open assets agreement " is a kind of interface standard based on block chain intelligence contract, passes through code interface
Formal definition realize the necessary behavior of " open assets agreement ", including obtain the function such as logical card, logical card ownership transfer, destruction
Can, to realize outer logical card of the assets on block chain of block chain.It converts the loan contract of borrower on block chain and accords with
The intelligent contract of " open assets agreement " is closed, user can obtain logical card corresponding with the intelligence contract, by leading to when investing
Card is to represent user to the ownership of this bond, and the information such as the amount of money, time limit invested by logical card carrying.Investor holds logical
Logical card can be transferred the possession of after card.Since information is by logical card polymerization, can not be distorted based on block chain, the characteristics such as real-time broadcast,
All process and result make for supervision can real-time monitoring, transparent procedures.
Firstly, specific participant to net loan business and comprising function be defined as follows:
(1) investor: lending loaning bill side for fund on platform, obtains capital and certain interest at the specified time point;
(2) loaning bill side: issuing loan application in platform, can be at least part or all investment users after being examined
It obtains and borrows money, and refund in fixed time limit, and pay certain interest;
(3) examination & approval side: it is responsible for auditing the loan application that loaning bill side is submitted.
It should be understood that investor may include multiple investment users.In addition, for ease of description, the following examples
Examination & approval side is divided into " the first approver " and " the second approver " two roles with different rights, is carried out by the first approver
The second approver is transferred to check and approve after first examination & approval.
Secondly, needing to define the opening assets agreement of standard, which includes multiple intelligent contract-defined interfaces, passes through interface
Form define the correlation function of loan, comprising:
(1) it contract construction interface constructor (): calls, contract is initialized, and set in contract creation
The information needed when loan application is submitted;
(2) first examination & approval interface preliminaryApprove (): if loan application transfers to second by the first examination & approval
Approver examines, and this method is executed by the first approver;
(3) second examination & approval interface formalApprove (): if loan application passes through designated length by the second examination & approval
Public notification period after, can start to raise loaning bill fund, this method is executed by the second approver;
(4) start to receive investment interface beginInvestment (): after loan application is by examination & approval and reaching public notification period
Defined to call afterwards often, expression project can formally start to receive investment, and this method is executed by the second approver;
(5) investor invests interface invest (): investor by capital investment to borrowed money account, held by investor by this method
Row;
(6) interface transfer (uint256tokenID, address to) is transferred the possession of: the logical card transfer that investor will hold
To other users;
(7) first query interface listTokens (): all logical card lists invested under the debt-credit project are inquired;
(8) second query interface findToken (): the logical card information of the single debt-credit of inquiry;
(9) it shows interface detailInfo (): showing all information of project, with the return of JSON character string forms.
Based on above-mentioned interface, each can be realized corresponding industry for the service request of logical card by corresponding interface
Business.For example, loaning bill side creates contract, letter required for addition loan application via contract construction interface constructor ()
Breath, and then contract is deployed on block chain.The first approver in examination & approval side passes through the first examination & approval interface
PreliminaryApprove () to carry out the first examination & approval to the information of loaning bill side;Then, by the second approver in examination & approval side
The second examination & approval are carried out by the second examination & approval interface formalApprove () come the information to loaning bill side.When loan application passes through the
After two examine and meet the publicity of designated length, the second approver, which calls, starts to receive investment interface beginInvestment
(), to indicate that project corresponding with the loan application can formally start to receive investment.Investor can be by transferring the possession of interface
The logical card held is transferred other users by transfer ().User equipment can show interface detailInfo by calling
() obtains the relevant information of project.
Fig. 1 is logical card business processing flow figure according to an embodiment of the present invention.
Step S101: deployment loaning bill contract, and the loaning bill contract that audit is passed through carries out publicity
In this step, node device receives the loaning bill request from user equipment, then disposes loaning bill contract, and will examine
The loaning bill contract that core passes through carries out publicity.
Step S102: can investment project list by being added to by the loaning bill contract of publicity.
In this step, node device is according to publicity as a result, to determine whether the loaning bill contract is effective;If passing through public affairs
Show, then start to receive investment interface beginInvestment () by calling, so that using the loaning bill contract as can invest
Project.In one embodiment, the loaning bill contract be also added into can investment project list, for investor selection.
Step S103: based on the items selection information from user equipment, investment agreement is determined.
In this step, node device is based on the items selection information received from user equipment, to determine corresponding throwing
Provide agreement.
Step S104: the logical card of creation, and the investor of logical card and the instruction information of holder is associated with investor.
In this step, it is based on investment agreement, to create logical card corresponding with this investment, and this is led to the investment of card
Side's instruction information and the instruction information of holder are revised as current investor.It should be understood that a project can correspond to
More investments, every investment both correspond to respective logical card.
Step S105: being based on investor's sheet information, and changing logical card state is state to be transferred the possession of.
After the logical card of node device is by investor's sheet, the state of the logical card will be changed to state to be transferred the possession of, for new
Investor purchase.It should be understood that node device will be participated in the common recognition of the operation of logical card state in block chain, it will with determination
Whether logical card state is changed to state to be transferred the possession of effective.
Step S106: distribution is brought logical card together and is transferred the possession of, and updates logical card holder.
When node device receives the purchasing demand information from new investment side, distribution is brought together logical card transaction, from
And make the transparent procedures of logical card transaction, rather than only determined by trade center.After logical card, which is traded, successfully brings together, node
The logical card holder of end equipment update indicates that investor's account that information is the i.e. logical card in new investment side and current holder indicate information
It is set as the block chain account address of new investment side.
It is illustrated so that loaning bill, investment and logical card are transferred the possession of as an example separately below.
Fig. 2 is the loaning bill flow diagram based on block chain according to an embodiment of the present invention.
User creates loaning bill contract (step S201) by contract construction interface constructor (), wherein the loaning bill
It include information relevant to user's loan application in contract.Then, user equipment is set by initiating loaning bill transaction in node side
Standby place's deployment loaning bill contract (step S202).It is borrowed it should be understood that will also dispose this at other node end equipments in block chain
Money contract.When loaning bill contract deployment success on block chain, node end equipment passes through calling interface event approval ()
Examination & approval event is triggered, so that examination & approval equipment carries out the first examination & approval processing (step S203).Interface event approval ()
Can be used for the Notification of Changes of approval status, for example, can transmit whether by examination & approval information, examination & approval stage information,
Approver address.
First examination & approval are handled, equipment is examined with the role of " the first approver " and examines the finger in the loaning bill contract
Determine information (step S204).After equipment is examined by first examination & approval processing, approver's information setting of the first examination & approval is first
The block chain account address of approver, and the second examination & approval interface formalApprove () is called to request to carry out to the loaning bill
Second instance batch processing (step S205).
Interface is constructed for contract, contract is deployed in block chain by loaning bill side, indicates to submit loan application.This application can
With include the current block chain account address (msg.sender) for submitting loan application, aggregate level of borrowing, the life of loan, Annual Percentage Rate,
The hash of loan application information.With 100,000,1 year time limit, interest rate 8% of borrowing money, then the construction interface can be expressed as
Constructor (msg.sender, 100000,365,80, " hash of loan application information ").
When the second examination & approval do not pass through, examination & approval equipment returns to the result (step that examination & approval of borrowing money fail to user equipment
S206b);When the second examination & approval pass through, examination & approval equipment notice node end equipment loaning bill is examined successfully, so that the loaning bill contract is extremely
Few a part of information enters public notification period, i.e., the partial information is by publicity.After through the second examination & approval, approver's letter of the second examination & approval
Breath is set as the block chain account address of the second approver.
It will be to being proposed that by least one node end equipment, loaning bill contract is relevant asks to this in public notification period, block chain
Topic is known together (step S207).If the result of common recognition indicates that problem exists, publicity is returned to user equipment and examination & approval equipment
The information (step S208b) of failure;If the result of common recognition indicates that problem is not present, loaning bill contract is made to enter state of raising money
(step S208a).
Fig. 3 is the investment flow diagram based on block chain according to an embodiment of the present invention.
User equipment calls investment interface invest (), to obtain logical card corresponding with contract of borrowing money, as equity with
Card.
Specifically, user equipment sends investment choice information to node end equipment, to determine the project to be invested (step
Rapid S301), i.e. the loaning bill contract to borrow money of determination.Investment agreement (step S302) is signed at node end equipment;Wait throw
After the completion of providing agreement signing, notice payment devices carry out delivery operation (step S303).Payment devices are to loaning bill side's payment amount
After (step S304), the logical card of node end equipment creation, and set the investor of logical card and the instruction information of current holder to
The block chain account address (step S305) of investor A is attributed to investor A with indicate the logical card.In step S306, section
Point end equipment will participate in block chain to the common recognition of the operating result of logical card.It should be understood that the operating result can correspond to
The operation of logical card investor is set.If common recognition failure, the information (step S307a) taken a bath is returned to user equipment;
If known together successfully, the information for indicating successfully to obtain investment is generated, and according to current investment amount and the loaning bill contract
Investment amount determines whether calling interface event investment ().The interface receives a new investment for notifying,
And it can recorde the transfer history of fund, for example, funds source information.
If " investment amount+the predetermined total amount of investment amount=investment ", adjusted iterm state is " to complete all raises
Money ", to no longer receive new investment.
Transferring the possession of logical card/equity indicates that the logical card for obtaining customer investment transfers other investment in capital account, subsequent interest with
All capitals will transfer and be transferred account.Fig. 4 is the logical card transfer process based on block chain according to an embodiment of the present invention
Figure.
Firstly, investor A sends the sheet information (step of logical card to be transferred the possession of by user equipment to node device
S401), to transfer the possession of the logical card of assets by intelligent contract sheet.In response to the sheet information, node device believes the state of logical card
Breath is revised as state (step S402) to be transferred the possession of.It should be understood that node device will participate in block chain to the behaviour of logical card state
The common recognition of work thens follow the steps S403 after common recognition passes through.
When node device receives the demand information of investor B, logical card transaction (step S403) will be brought together in a distributed manner,
So that the transparent procedures of logical card transaction, rather than only determined by trade center.After logical card, which is traded, successfully brings together, section
Point device generates logical card assignment of contract (step S404), to indicate that there are investment agreements between investor A and investor B.Node
Equipment also sends payment notice (step S405) to payment devices, to notify payment devices to investor's A payment amount (step
S406).Payment devices send to node end equipment and pay successful notification information (step S407), so that node end equipment is more
New logical card holder is investor B (step S408), i.e., the investor of logical card indicates that information is set as investing with current holder
The block chain account address of square B (expression is attributed to current investor).In step S409, node end equipment will participate in block chain
In know together to the operating result of logical card.If common recognition failure, returns to the information (step S410a) for transferring the possession of failure;If common recognition
Success, then generating indicates that the information (step S410b) for successfully transferring the possession of logical card for example calls specified event, to notify successfully to obtain
Take an investment.
In one embodiment, before user equipment sends sheet information, it can also judge to call and transfer the possession of interface
Whether the account of transfer () is that the current of the logical card holds account.
Fig. 5 is the schematic diagram of information processing unit according to an embodiment of the present invention.
Information processing unit 500 includes processor 510 and memory 520, wherein the memory 520 is used to store to refer to
It enables.When the instruction when being executed, enable to processor 510 to execute method as the aforementioned, for example, borrow money, investment, transfer the possession of side
Method, details are not described herein.
The process of above-mentioned dispositions method also represents machine readable instructions, which includes being executed by processor
Program.The programming instruction is stored in visible computer readable medium, such as hard disk, flash memory, read-only memory (ROM), CD
(CD), digital versatile disc (DVD), Cache, random access storage device (RAM) and/or any other storage medium,
On the storage medium information can store any time (for example, for a long time, for good and all, of short duration situation is interim to buffer, and/or
The caching of information).As used herein, the term visible computer readable medium is expressly defined to include any type of meter
The information of calculation machine readable storage.Additionally or alternatively, using in coded command (such as computer-readable instruction) realization Fig. 2,3
Instantiation procedure, which is stored in non-transitory computer-readable medium, can store and appoints in the storage-medium information
It anticipates the time.It should be understood that the computer-readable instruction can also be stored in network server, on the platform of cloud, in order to
User uses.
In addition, although operation is depicted with particular order, this simultaneously should not be construed and require this generic operation to show
Particular order is completed with sequential order, or executes the operation of all diagrams to obtain expected result.In some cases, more
Task or parallel processing can be beneficial.Similarly, although discussed above contain certain specific implementation details, this is not
It should be interpreted that any invention of limitation or the scope of the claims, and should be interpreted that the specific embodiment that can be directed to specific invention
Description.Certain features described in the context of separated embodiment can also be with combined implementation single real in this specification
It applies in example.Conversely, the various features described in the context of single embodiment can also discretely multiple embodiments or
Implement in any appropriate sub-portfolio.