CN109978694A - A kind of credit method of commerce and device based on block chain - Google Patents
A kind of credit method of commerce and device based on block chain Download PDFInfo
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- CN109978694A CN109978694A CN201910259886.4A CN201910259886A CN109978694A CN 109978694 A CN109978694 A CN 109978694A CN 201910259886 A CN201910259886 A CN 201910259886A CN 109978694 A CN109978694 A CN 109978694A
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The disclosure is directed to a kind of credit method of commerce, device, electronic equipment and storage mediums based on block chain.Wherein, this method comprises: receive article mortgage side according to presupposed information format and verification mode submission to guaranty data；The data archival to guaranty is established, and sends assessment request to assessment node；It receives after each assessment node receives assessment request, to the assessment result comprising collection of letters amount for carrying out assessment generation to guaranty；Assessment result is chosen according to preset rules, and generates the credit financial product data block that can be traded, is distributed to each purchase-transaction node of block chain；Purchase-transaction nodal information is received, the transaction of the credit financial product and article purchaser is completed by data block transaction.The disclosure realizes that the financeization of guaranty is traded by the transaction system based on block chain, has not only protected the information security wait the side of mortgage, but also improve the degree of safety of credit transaction.
Description
Technical field
This disclosure relates to field of computer technology, in particular to a kind of credit method of commerce based on block chain,
Device, electronic equipment and computer readable storage medium.
Background technique
However, finance mortgage transaction etc. is all centralization, article, limited types are mortgaged, it is cumbersome to handle process.It is personal
It trades to personal guaranty, can not be carried out under safety guarantee, risk not can avoid by agency yet.
It should be noted that information is only used for reinforcing to the background of the disclosure disclosed in above-mentioned background technology part
Understand, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The disclosure be designed to provide it is a kind of by the credit method of commerce of block chain, device, electronic equipment and based on
Calculation machine readable storage medium storing program for executing, and then overcome one caused by the limitation and defect due to the relevant technologies at least to a certain extent
A or multiple problems.
According to one aspect of the disclosure, a kind of credit method of commerce based on block chain is provided, comprising:
Transaction data establishment step, receive article mortgage side according to presupposed information format and verification mode submission wait support
Wagering data；
Transaction data submits step, establishes the data archival to guaranty, and send assessment to assessment node and ask
It asks；
Transaction data appraisal procedure receives each assessment node and receives after the assessment requests, to it is described to guaranty into
The assessment result comprising collection of letters amount that row assessment generates；
Data block generation step chooses assessment result according to preset rules, and generates the credit finance that can be traded and produce
Product data block is distributed to each purchase-transaction node of block chain；
Data block transaction step receives purchase-transaction nodal information, completes the credit finance by data block transaction and produces
The transaction of product and article purchaser.
In a kind of exemplary embodiment of the disclosure, the transaction data establishment step further include:
What article mortgage side was submitted according to presupposed information format and verification mode includes but is not limited to object to guaranty data
Price, service life, agency qualification, the duration of expected mortgage, redemption probability, mortgage quotation when product are bought.
In a kind of exemplary embodiment of the disclosure, the transaction data appraisal procedure further include:
Each assessment node can be mechanism or bank；
If the assessment result of assessment node is selected use, the corresponding accrediting amount of this article is obtained as bonus points
Number, when the credit financial product is traded, system deducts this part reward points automatically and gives assessment node.
In a kind of exemplary embodiment of the disclosure, the data block generation step further include:
The credit financial product data block externally hides the key messages such as guaranty；
The data block transaction step further include:
Purchaser can only obtain the credit financial product price, return rate, cycle information, and can not know guaranty
Information.
In a kind of exemplary embodiment of the disclosure, the data block transaction step further include:
Each purchase-transaction node of block chain can preset price according to purchaser, and automatic trade matching can also be with purchaser
According to the content that credit financial product list displays, selection transaction.
In a kind of exemplary embodiment of the disclosure, which comprises article mortgage side, purchaser, assessment side,
The different nodes for belonging to the transaction system based on block chain need to download the deployment that application environment is realized in the application of block chain link point.
In a kind of exemplary embodiment of the disclosure, the transaction system based on block chain is deployed in distributed clothes
It is engaged on device, trading rules can be configured；
The trading rules include but is not limited to commission management, guaranty redemption management, legal support management and promise breaking
Management, investment repayment interest and commission setting, the monitoring of operation flow, transaction flow.
In one aspect of the present disclosure, a kind of credit the transaction device based on block chain is provided, comprising:
Transaction data establishes module, is submitted according to presupposed information format and verification mode for receiving article mortgage side
To guaranty data；
Transaction data submits module, sends assessment for establishing the data archival to guaranty, and to assessment node
Request；
Transaction data evaluation module, for receiving after each assessment node receives assessment request, to described wait mortgage
Object carries out the assessment result comprising collection of letters amount of assessment generation；
Data block generation module, for choosing assessment result according to preset rules, and generating the credit gold that can be traded
Melt product data block, is distributed to each purchase-transaction node of block chain；
Data block transaction modules complete the credit gold by data block transaction for receiving purchase-transaction nodal information
Melt the transaction of product Yu article purchaser.
In one aspect of the present disclosure, a kind of electronic equipment is provided, comprising:
Processor；And
Memory is stored with computer-readable instruction on the memory, and the computer-readable instruction is by the processing
The method according to above-mentioned any one is realized when device executes.
In one aspect of the present disclosure, a kind of computer readable storage medium is provided, computer program is stored thereon with,
The method according to above-mentioned any one is realized when the computer program is executed by processor.
The credit method of commerce based on block chain in the exemplary embodiment of the disclosure, receive article mortgage side according to
Presupposed information format and verification mode submit to guaranty data；Establish the data archival to guaranty, and to assessment
Node sends assessment request；It receives after each assessment node receives assessment request, carries out assessment life to guaranty to described
At the assessment result comprising collection of letters amount；Assessment result is chosen according to preset rules, and generates the credit gold that can be traded
Melt product data block, is distributed to each purchase-transaction node of block chain；Purchase-transaction nodal information is received, is traded by data block
Complete the transaction of the credit financial product and article purchaser.On the one hand, it due to the node transaction based on block chain, realizes
The distributed building of credit financial transaction, improves the safety of transaction；On the other hand, credit financial transaction is based on transaction
Platform completes the linking of information flow, while so that can hide guaranty information wait the side of mortgage, since the guaranty is by commenting
Estimate node to be assessed, purchaser can trust guaranty completely and correspond to credit financial transaction, optimize entire transaction flow.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
It is described in detail its example embodiment by referring to accompanying drawing, the above and other feature and advantage of the disclosure will become
It obtains more obvious.
Fig. 1 shows the flow chart of the credit method of commerce based on block chain according to one exemplary embodiment of the disclosure；
Fig. 2 shows the schematic blocks according to the credit the transaction device based on block chain of one exemplary embodiment of the disclosure
Figure；
Fig. 3 diagrammatically illustrates the block diagram of the electronic equipment according to one exemplary embodiment of the disclosure；And
Fig. 4 diagrammatically illustrates the schematic diagram of the computer readable storage medium according to one exemplary embodiment of the disclosure.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be real in a variety of forms
It applies, and is not understood as limited to embodiment set forth herein；On the contrary, these embodiments are provided so that the disclosure will comprehensively and
Completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.The identical appended drawing reference table in figure
Show same or similar part, thus repetition thereof will be omitted.
In addition, described feature, structure or characteristic can be incorporated in one or more implementations in any suitable manner
In example.In the following description, many details are provided to provide and fully understand to embodiment of the disclosure.However,
It will be appreciated by persons skilled in the art that can with technical solution of the disclosure without one in the specific detail or
It more, or can be using other methods, constituent element, material, device, step etc..In other cases, be not shown in detail or
Known features, method, apparatus, realization, material or operation are described to avoid fuzzy all aspects of this disclosure.
Block diagram shown in the drawings is only functional entity, not necessarily must be corresponding with physically separate entity.
I.e., it is possible to realize these functional entitys using software form, or these are realized in the module of one or more softwares hardening
A part of functional entity or functional entity, or in heterogeneous networks and/or processor device and/or microcontroller device in fact
These existing functional entitys.
In this exemplary embodiment, a kind of credit method of commerce based on block chain is provided firstly, can be applied to electricity
The electronic equipments such as electrical automobile control system；With reference to shown in Fig. 1, should credit method of commerce based on block chain may include with
Lower step:
Transaction data establishment step S110 receives what article mortgage side was submitted according to presupposed information format and verification mode
To guaranty data；
Transaction data submits step S120, establishes the data archival to guaranty, and send assessment to assessment node
Request；
Transaction data appraisal procedure S130, after each assessment node of reception receives the assessment request, to described wait mortgage
Object carries out the assessment result comprising collection of letters amount of assessment generation；
Data block generation step S140 chooses assessment result according to preset rules, and generates the credit gold that can be traded
Melt product data block, is distributed to each purchase-transaction node of block chain；
Data block transaction step S150 receives purchase-transaction nodal information, completes the credit gold by data block transaction
Melt the transaction of product Yu article purchaser.
According to the credit method of commerce based on block chain in this example embodiment, on the one hand, due to based on block chain
Node transaction realizes the distributed building of credit financial transaction, improves the safety of transaction；On the other hand, credit finance
It trades and completes the linking of information flow based on transaction platform, while so that guaranty information can be hidden wait the side of mortgage, by institute
It states guaranty to be assessed by assessment node, purchaser can trust guaranty completely and correspond to credit financial transaction, optimize whole
A transaction flow.
In the following, by the credit method of commerce based on block chain in this example embodiment is further detailed.
In transaction data establishment step S110, article mortgage side can receive according to presupposed information format and authentication
Formula submit to guaranty data.
In this exemplary embodiment, the transaction data establishment step further include:
What article mortgage side was submitted according to presupposed information format and verification mode includes but is not limited to object to guaranty data
Price, service life, agency qualification, the duration of expected mortgage, redemption probability, mortgage quotation when product are bought.
In this exemplary embodiment, it is such as certain wrist-watch to guaranty, then needs wait the side of mortgage by all of the wrist-watch
Information is filled in and is submitted according to the preset data collection list of transaction platform.
It is submitted in step S120 in transaction data, can establish the data archival to guaranty, and to assessment node
Send assessment request.
In this exemplary embodiment, the transaction platform node of block chain receives the data of the wrist-watch of user's submission
After information, the information is made to file, and sends assessment request to each assessment node that can be assessed this wrist-watch.
In transaction data appraisal procedure S130, it can receive after each assessment node receives assessment request, to institute
State the assessment result comprising collection of letters amount that assessment generation is carried out to guaranty.
In this exemplary embodiment, the transaction data appraisal procedure further include:
Each assessment node can be mechanism or bank；
If the assessment result of assessment node is selected use, the corresponding accrediting amount of this article is obtained as bonus points
Number, when the credit financial product is traded, system deducts this part reward points automatically and gives assessment node.
In this exemplary embodiment, the assessment request of the wrist-watch is received if any 4 banks and 2 appraisal agencies,
Then this wrist-watch is assessed respectively and provides assessment foundation and assessment report, and the assessment result is uniformly returned into best friend
Easy node.
In data block generation step S140, assessment result can be chosen according to preset rules, and generate and can trade
Credit financial product data block, be distributed to each purchase-transaction node of block chain.
In this exemplary embodiment, the data block generation step further include:
The credit financial product data block externally hides the key messages such as guaranty；
The data block transaction step further include:
Purchaser can only obtain the credit financial product price, return rate, cycle information, and can not know guaranty
Information.
In this exemplary embodiment, it is minimum to have chosen price in 6 assessment results according to preset rules for transaction node
Assessment result generate transaction data then using the pricing information for including in the assessment result as the price of the guaranty
Block is sent on block chain and respectively buys node.
In data block transaction step S150, purchase-transaction nodal information can receive, traded by data block and complete institute
State the transaction of credit financial product Yu article purchaser.
In this exemplary embodiment, the data block transaction step further include:
Each purchase-transaction node of block chain can preset price according to purchaser, and automatic trade matching can also be with purchaser
According to the content that credit financial product list displays, selection transaction.
In this exemplary embodiment, on the node of purchaser, it can only see guaranty wrist-watch and be marked as " finance
Product " can not see other attribute informations of wrist-watch, when there is purchaser's purchase, transmission Transaction Information to transaction platform,
And transaction successful information is generated simultaneously to the side of mortgage.
In this exemplary embodiment, which comprises article mortgage side, purchaser, assessment side belong to based on area
The different nodes of the transaction system of block chain need to download the deployment that application environment is realized in the application of block chain link point.
In this exemplary embodiment, the transaction system based on block chain is deployed on distributed server, can
Trading rules are configured；
The trading rules include but is not limited to commission management, guaranty redemption management, legal support management and promise breaking
Management, investment repayment interest and commission setting, the monitoring of operation flow, transaction flow.
It should be noted that although describing each step of method in the disclosure in the accompanying drawings with particular order,
It is that this does not require that or implies must execute these steps in this particular order, or have to carry out shown in whole
Step is just able to achieve desired result.Additional or alternative, it is convenient to omit multiple steps are merged into one by certain steps
Step executes, and/or a step is decomposed into execution of multiple steps etc..
In addition, in this exemplary embodiment, additionally providing a kind of credit the transaction device based on block chain.Referring to Fig. 2 institute
Show, being somebody's turn to do the credit the transaction device 200 based on block chain may include: that transaction data establishes module 210, transaction data submits mould
Block 220, transaction data evaluation module 230, data block generation module 240 and data block transaction modules 250.Wherein:
Transaction data establishes module 210, submits for receiving article mortgage side according to presupposed information format and verification mode
To guaranty data；
Transaction data submits module 220, sends for establishing the data archival to guaranty, and to assessment node
Assessment request；
Transaction data evaluation module 230, for receiving after each assessment node receives assessment request, to it is described to
Guaranty carries out the assessment result comprising collection of letters amount of assessment generation；
Data block generation module 240, for according to preset rules choose assessment result, and generate can trade award
Believe financial product data block, is distributed to each purchase-transaction node of block chain；
Data block transaction modules 250, for receiving purchase-transaction nodal information, by being awarded described in data block transaction completion
Believe the transaction of financial product and article purchaser.
Respectively the detail of the credit the transaction device module based on block chain is known in corresponding audio paragraph among the above
It is described in detail in other method, therefore details are not described herein again.
It should be noted that although being referred to the several of the credit the transaction device 200 based on block chain in the above detailed description
Module or unit, but this division is not enforceable.In fact, according to embodiment of the present disclosure, it is above-described
Two or more modules or the feature and function of unit can embody in a module or unit.Conversely, retouching above
The feature and function of the module or unit stated can be to be embodied by multiple modules or unit with further division.
In addition, in an exemplary embodiment of the disclosure, additionally provides a kind of electronics that can be realized the above method and set
It is standby.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, it may be assumed that complete hardware embodiment, complete
The embodiment combined in terms of full software implementation (including firmware, microcode etc.) or hardware and software, can be referred to as here
For circuit, " module " or " system ".
The electronic equipment 300 of this embodiment according to the present invention is described referring to Fig. 3.The electronics that Fig. 3 is shown is set
Standby 300 be only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in figure 3, electronic equipment 300 is showed in the form of universal computing device.The component of electronic equipment 300 can be with
Including but not limited to: at least one above-mentioned processing unit 310, connects not homologous ray group at least one above-mentioned storage unit 320
The bus 330 of part (including storage unit 320 and processing unit 310), display unit 340.
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 310
Row, so that various according to the present invention described in the execution of the processing unit 310 above-mentioned " illustrative methods " part of this specification
The step of exemplary embodiment.For example, the processing unit 310 can execute step S110 as shown in fig. 1 to step
S150。
Storage unit 320 may include the readable medium of volatile memory cell form, such as Random Access Storage Unit
(RAM) 3201 and/or cache memory unit 3202, it can further include read-only memory unit (ROM) 3203.
Storage unit 320 can also include program/utility with one group of (at least one) program module 3205
3204, such program module 3205 includes but is not limited to: operating system, one or more application program, other program moulds
It may include the realization of network environment in block and program data, each of these examples or certain combination.
Bus 330 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any total knot in a variety of bus structures
The local bus of structure.
Electronic equipment 300 can also be with one or more external equipments 370 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 300 communicate, and/or with make
The electronic equipment 300 can with it is one or more of the other calculating equipment be communicated any equipment (such as router, modulation
Demodulator etc.) communication.This communication can be carried out by input/output (I/O) interface 350.Also, electronic equipment 300
Network adapter 360 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public affairs can also be passed through
Common network network, such as internet) communication.As shown, network adapter 360 passes through the other of bus 330 and electronic equipment 300
Module communication.It should be understood that although not shown in the drawings, other hardware and/or software mould can be used in conjunction with electronic equipment 300
Block, including but not limited to: microcode, device driver, redundant processing unit, external disk drive array, RAID system, magnetic
Tape drive and data backup storage system etc..
By the description of above embodiment, those skilled in the art is it can be readily appreciated that example embodiment described herein
It can also be realized in such a way that software is in conjunction with necessary hardware by software realization.Therefore, according to disclosure reality
The technical solution for applying example can be embodied in the form of software products, which can store non-volatile at one
In storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) or on network, including some instructions are so that a calculating
Equipment (can be personal computer, server, terminal installation or network equipment etc.) is executed according to the embodiment of the present disclosure
Method.
In an exemplary embodiment of the disclosure, a kind of computer readable storage medium is additionally provided, energy is stored thereon with
Enough realize the program product of this specification above method.In some possible embodiments, various aspects of the invention can be with
It is embodied as a kind of form of program product comprising program code, when described program product is run on the terminal device, institute
Program code is stated for executing the terminal device described in above-mentioned " illustrative methods " part of this specification according to this hair
The step of bright various exemplary embodiments.
Refering to what is shown in Fig. 4, the program product 400 for realizing the above method of embodiment according to the present invention is described,
It can using portable compact disc read only memory (CD-ROM) and including program code, and can in terminal device, such as
It is run on PC.However, program product of the invention is without being limited thereto, in this document, readable storage medium storing program for executing, which can be, appoints
What includes or the tangible medium of storage program, the program can be commanded execution system, device or device using or with
It is used in combination.
Described program product can be using any combination of one or more readable mediums.Readable medium can be readable
Signal media or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, infrared ray,
Or system, device or the device of semiconductor, or any above combination.The more specific example of readable storage medium storing program for executing is (non-poor
The list of act) include: electrical connection with one or more conducting wires, portable disc, hard disk, random access memory (RAM),
Read-only memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc is read-only deposits
Reservoir (CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
Computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
Wherein carry readable program code.The data-signal of this propagation can take various forms, and including but not limited to electromagnetism is believed
Number, optical signal or above-mentioned any appropriate combination.Readable signal medium can also be other than readable storage medium storing program for executing it is any can
Read medium, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or
Person's program in connection.
The program code for including on readable medium can transmit with any suitable medium, including but not limited to wirelessly, have
Line, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's meter
Upper side point is calculated to execute or execute in remote computing device or server completely on a remote computing.It is being related to
In the situation of remote computing device, remote computing device can pass through the network of any kind, including local area network (LAN) or wide
Domain net (WAN), is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize Internet service
Provider is connected by internet).
In addition, above-mentioned attached drawing is only the schematic theory of processing included by method according to an exemplary embodiment of the present invention
It is bright, rather than limit purpose.It can be readily appreciated that the time that above-mentioned processing shown in the drawings did not indicated or limited these processing is suitable
Sequence.In addition, be also easy to understand, these processing, which can be, for example either synchronously or asynchronously to be executed in multiple modules.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to the disclosure
Other embodiments.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Person's adaptive change follows the general principles of this disclosure and including the undocumented common knowledge in the art of the disclosure
Or conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the disclosure are wanted by right
It asks and points out.
It should be understood that the present disclosure is not limited to the precise structures that have been described above and shown in the drawings, and
And various modifications and changes may be made without departing from the scope thereof.The scope of the present disclosure is only limited by the attached claims.
Claims (10)
1. a kind of credit method of commerce based on block chain, which is characterized in that the described method includes:
Transaction data establishment step, receive article mortgage side according to presupposed information format and verification mode submission to guaranty number
According to；
Transaction data submits step, establishes the data archival to guaranty, and send assessment request to assessment node；
Transaction data appraisal procedure is commented to guaranty after each assessment node of reception receives the assessment request described
Estimate the assessment result comprising collection of letters amount of generation；
Data block generation step chooses assessment result according to preset rules, and generates the credit financial product number that can be traded
According to block, it is distributed to each purchase-transaction node of block chain；
Data block transaction step receives purchase-transaction nodal information, by data block transaction complete the credit financial product with
The transaction of article purchaser.
2. the method as described in claim 1, which is characterized in that the transaction data establishment step further include:
What article mortgage side was submitted according to presupposed information format and verification mode includes but is not limited to article purchase to guaranty data
Fashionable price, service life, agency qualification, the duration of expected mortgage, redemption probability, mortgage quotation.
3. the method as described in claim 1, which is characterized in that the transaction data appraisal procedure further include:
Each assessment node can be mechanism or bank；
If the assessment result of assessment node is selected use, the corresponding accrediting amount of this article is obtained as reward points, when
When the credit financial product is traded, system deducts this part reward points automatically and gives assessment node.
4. the method as described in claim 1, which is characterized in that the data block generation step further include:
The credit financial product data block externally hides the key messages such as guaranty；
The data block transaction step further include:
Purchaser can only obtain the credit financial product price, return rate, cycle information, and can not know guaranty information.
5. the method as described in claim 1, which is characterized in that the data block transaction step further include:
Each purchase-transaction node of block chain can preset price according to purchaser, automatic trade matching, can also with purchaser according to
The content of credit financial product list display, selection transaction.
6. the method as described in claim 1, which is characterized in that the described method includes: article mortgage side, purchaser, assessment side,
The different nodes for belonging to the transaction system based on block chain need to download the deployment that application environment is realized in the application of block chain link point.
7. method as claimed in claim 6, which is characterized in that the described method includes: the transaction system based on block chain,
It is deployed on distributed server, trading rules can be configured；
The trading rules include but is not limited to that commission management, guaranty redemption management, legal support management and promise breaking manage,
Investment repayment interest and commission setting, the monitoring of operation flow, transaction flow.
8. a kind of credit the transaction device based on block chain, which is characterized in that described device includes:
Transaction data establishes module, for receive article mortgage side according to presupposed information format and verification mode submit wait mortgage
Object data；
Transaction data submits module, sends assessment request for establishing the data archival to guaranty, and to assessment node；
Transaction data evaluation module, for receiving after each assessment node receives assessment request, to it is described to guaranty into
The assessment result comprising collection of letters amount that row assessment generates；
Data block generation module for choosing assessment result according to preset rules, and generates the credit finance that can be traded and produces
Product data block is distributed to each purchase-transaction node of block chain；
Data block transaction modules are completed the credit finance by data block transaction and are produced for receiving purchase-transaction nodal information
The transaction of product and article purchaser.
9. a kind of electronic equipment, which is characterized in that including
Processor；And
Memory is stored with computer-readable instruction on the memory, and the computer-readable instruction is held by the processor
Method according to any one of claim 1 to 7 is realized when row.
10. a kind of computer readable storage medium, is stored thereon with computer program, the computer program is executed by processor
Shi Shixian is according to claim 1 to any one of 7 the methods.
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| CN201910259886.4A CN109978694A (en) | 2019-04-02 | 2019-04-02 | A kind of credit method of commerce and device based on block chain |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110659982A (en) * | 2019-09-27 | 2020-01-07 | 上海淇玥信息技术有限公司 | Method and device for large-volume business credit granting and electronic equipment |
| CN111402029A (en) * | 2020-03-06 | 2020-07-10 | 同盾控股有限公司 | Intelligent assessment method and device based on block chain and knowledge federation |
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| CN111402029A (en) * | 2020-03-06 | 2020-07-10 | 同盾控股有限公司 | Intelligent assessment method and device based on block chain and knowledge federation |
| CN111402029B (en) * | 2020-03-06 | 2023-07-04 | 同盾控股有限公司 | Intelligent evaluation method and device based on blockchain and knowledge federation |
| CN111402049A (en) * | 2020-03-11 | 2020-07-10 | 北京价值互联科技有限公司 | Mining method based on block chain mortgage transaction |
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