CN110378782A - The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain - Google Patents
The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain Download PDFInfo
- Publication number
- CN110378782A CN110378782A CN201910532666.4A CN201910532666A CN110378782A CN 110378782 A CN110378782 A CN 110378782A CN 201910532666 A CN201910532666 A CN 201910532666A CN 110378782 A CN110378782 A CN 110378782A
- Authority
- CN
- China
- Prior art keywords
- guarantee
- related information
- guarantor
- information
- block chain
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/602—Providing cryptographic facilities or services
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/64—Protecting data integrity, e.g. using checksums, certificates or signatures
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The present invention provides a kind of guarantee credit method certainly based on block chain, include: from block chain downloading be stored with the block from the encryption guarantee related information of guarantor, encryption guarantee related information is according to the first public key to assuring that related information is encrypted and is generated；The encryption guarantee related information of guarantor is extracted from from block；The first private key being used cooperatively with the first public key is obtained, assures that related information is decrypted according to the first private key pair encryption, obtains the guarantee related information from guarantor；According to guarantee related information, the accrediting amount from guarantor is determined.This method can guarantee that guarantee related information does not meet with other people and illegally distorts, guarantee the reliability and trackability from the guarantee related information of guarantor, ensure to assure the reliability of credit assessment result, and third party is not necessarily in accrediting amount evaluation process as guarantor, it can be realized based on block chain reliably from guarantee, the process for simplifying the acquisition of guarantor's credit data effectively improves the efficiency of guarantee credit assessment.
Description
Technical field
The present invention relates to credit technical field of data processing, specifically, the present invention relates to a kind of based on block chain from
Assure credit method, apparatus, computer readable storage medium and computer equipment.
Background technique
As China's economy maintains sustained and rapid growth, guarantee industry also achieves tremendous development.In existing surety mechanisms,
When debtor's default of obligation, guarantor should fulfill obligation or undertake the responsibility according to the agreement of itself and creditor.With regard to current row
It for industry status, tenders guarantee to third party very risky, while auditing the means of guarantor's qualification when financial institution's credit
Also very limited, it usually needs the credit data that guarantor and guarantee are obtained from different data sources passes through manual examination and verification
It approves, further assesses the accrediting amount, be limited in that, credit data acquisition mode is cumbersome, and not can guarantee letter
Not meeting with other people with data illegally to distort, credit data confidence level is not high, so as to cause the inefficiency of guarantee credit assessment, and can
It is low by property.
Summary of the invention
It is at least can solve above-mentioned one of technological deficiency, the present invention provides following technical schemes based on block chain
From guarantee credit method and corresponding device, computer readable storage medium and computer equipment.
The embodiment of the present invention provides a kind of guarantee credit method certainly based on block chain according to one aspect, including
Following steps:
Downloading is stored with the block from the encryption guarantee related information of guarantor from block chain, wherein the encryption load
Related information is protected to encrypt guarantee related information according to the first public key and generated；
The encryption from guarantor is extracted from the block assures related information；
The first private key being used cooperatively with first public key is obtained, association letter is assured to the encryption according to the first private key
Breath is decrypted, and obtains the guarantee related information from guarantor；
According to the guarantee related information, the accrediting amount from guarantor is determined.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Before, further includes:
Confirm that the guarantee related information is uploaded by described from guarantor.
In one embodiment, the guarantee related information includes signing messages, wherein the signing messages is according to second
Private key signature and generate；
The confirmation guarantee related information is uploaded by described from guarantor, comprising:
Obtain the second public key being used cooperatively with second private key；
The signing messages is verified according to the second public key, if being proved to be successful, confirms the guarantee related information
It is uploaded by described from guarantor.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Afterwards, further includes:
The broadcast message that the guarantee related information updates is received, and updated guarantee is determined according to the broadcast message
Related information；
According to updated guarantee related information, the adjustment accrediting amount from guarantor.
In one embodiment, the guarantee related information includes that debt proves information；
It is described according to updated guarantee related information, the adjustment accrediting amount from guarantor, comprising:
If the debt proves information, corresponding debt number is reduced or is closed, and reduces the credit volume from guarantor
Degree；
If the debt proves information, corresponding debt number increases, and increases the accrediting amount from guarantor.
In one embodiment, the guarantee related information includes that debt proves information；
It is described according to updated guarantee related information, adjustment is described from before the accrediting amount of guarantor, further includes:
Confirm that the updated guarantee related information proves that information is corresponding by the debt and uploaded and passed through by borrower
By described from guarantor's Signature Confirmation.
In one embodiment, the updated guarantee related information includes dual signature information, wherein described dual
Signing messages is successively successively signed and is generated according to third private key and the second private key；
The confirmation updated guarantee related information proves that information is corresponding by the debt and is uploaded by borrower
And via described from guarantor's Signature Confirmation, comprising:
Obtain the second public key being used cooperatively with second private key；
Obtain the third public key being used cooperatively with the third private key；
Successively the dual signature information is verified according to second public key and the third public key, if verifying at
Function then confirms that the updated guarantee related information is uploaded and via described true from guarantor's signature by described by borrower
Recognize.
In addition, the embodiment of the present invention provides a kind of filling from guarantee credit based on block chain according to other side
It sets, comprising:
Block download module, for downloading the area being stored with from the encryption guarantee related information of guarantor from block chain
Block, wherein the encryption guarantee related information encrypts guarantee related information according to the first public key and generated；
Assure that related information obtains module, for extracting the encryption guarantee association letter from guarantor from the block
Breath；
Deciphering module, for obtaining the first private key being used cooperatively with first public key, according to the first private key to described
Encryption guarantee related information is decrypted, and obtains the guarantee related information from guarantor；
Accrediting amount determining module, for determining the accrediting amount from guarantor according to the guarantee related information.
The embodiment of the present invention provides a kind of computer readable storage medium, the computer according to another aspect
Computer program is stored on readable storage medium storing program for executing, the computer program is realized above-mentioned based on block when being executed by processor
The guarantee credit method certainly of chain.
The embodiment of the present invention provides a kind of computer equipment according to another aspect, and the computer includes one
Or multiple processors；Memory；One or more computer programs, wherein one or more of computer programs are stored in
It in the memory and is configured as being executed by one or more of processors, one or more of computer program configurations
For: execute the above-mentioned guarantee credit method certainly based on block chain.
Compared with the prior art, the present invention has the following beneficial effects:
The credit method, apparatus of guarantee certainly, computer readable storage medium and calculating provided by the invention based on block chain
Machine equipment assures related information by being obtained from the encryption that guarantor is pre-stored in block chain, and passes through self-holding key pair institute
It states encryption guarantee related information to be decrypted, obtains guarantee related information, and then its credit volume is determined according to guarantee related information
Degree, this method can guarantee that guarantee related information does not meet with other people and illegally distorts, and the guarantee association letter from guarantor is effectively ensured
The reliability and trackability of breath, so that it is guaranteed that the reliability of guarantee credit assessment result, and nothing in accrediting amount evaluation process
It needs third party as guarantor, can be realized based on block chain reliably from assuring, simplify the mistake of guarantor's credit data acquisition
Journey effectively improves the efficiency of guarantee credit assessment.
In addition, being realized by being verified with second public key that second private key is used cooperatively to signing messages
To the authentication from guarantor, it can confirm that the guarantee related information is packaged and is added from guarantor by described
Enter into block chain, further ensure the reliability of the guarantee related information, so that it is guaranteed that guarantee credit assessment result
Reliability.
In addition, by cooperating in conjunction with second public key being used cooperatively with second private key and with the third private key
The third public key used verifies dual signature information, realizes to described by borrower and from the identity of guarantor
Certification can confirm that the updated guarantee related information is packaged and is added into block chain by borrower by described,
And the updated guarantee related information further ensures described updated via described from guarantor's Signature Confirmation
The reliability of related information is assured, so that it is guaranteed that the reliability of guarantee accrediting amount adjustment.
In addition, by according to the calculating of the accrediting amount radix, the information type and the accrediting amount coefficient
From the accrediting amount of guarantor, and the corresponding accrediting amount coefficient of guarantee related information of different information types can it is identical can not
Together, the contribution that the guarantee related information of different information types calculates the accrediting amount can be adjusted flexibly, to increase the accrediting amount
The flexibility of calculating.
The additional aspect of the present invention and advantage will be set forth in part in the description, these will become from the following description
Obviously, or practice through the invention is recognized.
Detailed description of the invention
Above-mentioned and/or additional aspect and advantage of the invention will become from the following description of the accompanying drawings of embodiments
Obviously and it is readily appreciated that, in which:
Fig. 1 is a kind of method flow diagram from guarantee credit method based on block chain provided in an embodiment of the present invention；
Fig. 2 is another method flow diagram from guarantee credit method based on block chain provided in an embodiment of the present invention；
Fig. 3 is a kind of structural schematic diagram from guarantee credit device based on block chain provided in an embodiment of the present invention；
Fig. 4 is another structural schematic diagram from guarantee credit device based on block chain provided in an embodiment of the present invention；
Fig. 5 is the structural schematic diagram of computer equipment provided in an embodiment of the present invention.
Specific embodiment
The embodiment of the present invention is described below in detail, examples of the embodiments are shown in the accompanying drawings, wherein from beginning to end
Same or similar label indicates same or similar element or element with the same or similar functions.Below with reference to attached
The embodiment of figure description is exemplary, and for explaining only the invention, and is not construed as limiting the claims.
Those skilled in the art of the present technique are appreciated that unless expressly stated, singular " one " used herein, " one
It is a ", " described " and "the" may also comprise plural form.It is to be further understood that being arranged used in specification of the invention
Diction " comprising " refer to that there are the feature, integer, step, operation, element and/or component, but it is not excluded that in the presence of or addition
Other one or more features, integer, step, operation, element, component and/or their group.Wording used herein " and/
Or " it include one or more associated wholes for listing item or any cell and all combinations.
Those skilled in the art of the present technique are appreciated that unless otherwise defined, all terms used herein (including technology art
Language and scientific term), there is meaning identical with the general understanding of those of ordinary skill in fields of the present invention.Should also
Understand, those terms such as defined in the general dictionary, it should be understood that have in the context of the prior art
The consistent meaning of meaning, and unless idealization or meaning too formal otherwise will not be used by specific definitions as here
To explain.
The guarantee credit method certainly based on block chain that the embodiment of the invention provides a kind of, as shown in Figure 1, this method packet
It includes:
Step S110: downloading is stored with the block from the encryption guarantee related information of guarantor from block chain, wherein institute
Encryption guarantee related information is stated to encrypt guarantee related information according to the first public key and generated.
Block chain is a distributed account book, it is a kind of decentralization, go to trust by way of collective safeguard one it is reliable
The technical solution of database.Here " distribution " is not only presented as the distributed storage of data, is also embodied in the distribution of data
Formula record, i.e., safeguarded jointly by system participant.It is commonly referred " node ", refers to the computer in block chain, including mobile phone,
Mine machine, desktop computer and server etc..Each equipment can act as a node, and each node allows to obtain a complete
Database copy.It is based on a set of common recognition mechanism between node, safeguards entire block chain jointly by competing to calculate.Operate a section
The people of point can be common cafe user, miner and more personal synergics.If participating in block chain it is necessary to possess a block
Chain node.
For the present embodiment, the guarantee qualification of guarantee is provided based on block chain technology, is artificially assured without guarantee
People assures.It is described to refer to without third party from guarantor as guarantor, oneself guarantee as guarantor.In this reality
Apply in example, can in advance by described from guarantor encryption guarantee related information be packaged into block and be added to block chain, made with this
For guarantee.
For the present embodiment, the encryption guarantee related information guarantee related information is encrypted according to the first public key and
It generates, i.e., the described encryption guarantee related information is the guarantee related information for having made encryption.The guarantee related information is to return
Belong to the relevant information with collateral value from guarantor, the guarantee related information includes but is not limited to: from guarantor's
For as the signing messages of guarantee proof of identification, real estate information, marketable securities information, qualifications information, cash flow note
Record information, paying taxes proves that information, credit rating organization evaluate owing for the credit grade information come, government or state-owned enterprise's endorsement approval
Money proves information.
For the present embodiment, first public key is used cooperatively with the first private key, specifically, passes through the first public key encryption
Information can only be realized by the first private key and be decrypted, and can only be realized and be decrypted by the first public key by the information of the first private key encryption.
First public key and the first private key belong to the financial lending mechanism described in evaluation from guarantor's accrediting amount, and described
One public key by the finance lending mechanism external disclosure, gathered around by the finance lending mechanism oneself by first private key not external disclosure
Have and uses.
For the present embodiment, the decentralization being had based on block chain and open feature from guarantor and are assessed certainly
The finance lending mechanism such as bank of guarantor's accrediting amount can access in block chain respectively as a node.
In practical application scene, when guarantee is intended to oneself as guarantor, with what is assessed from the guarantee accrediting amount
When demand, the public key of the financial lending mechanism of debt-credit intention, i.e. the first public key described in the present embodiment can be obtained in advance, and according to
Encrypted according to guarantee related information of first public key to oneself, obtain encryption association guarantee information, actively by oneself
Encryption guarantee related information is packaged and is added to block chain, in this, as guarantee.It is carried on a shoulder pole when being stored with the encryption from guarantor
The block for protecting related information is added to block chain, and block chain has newest block that the wide of block chain is added to each node broadcasts
Message is broadcast, correspondingly, the finance lending mechanism such as bank has accessed block chain as the node of block chain, the broadcast is can receive and disappears
Breath.Accrediting amount assessment request can be initiated to the financial lending mechanism for having debt-credit intention from guarantor, financial lending mechanism is connecing
It receives from after the accrediting amount assessment request that guarantor initiates, responds the accrediting amount assessment request, be based on the broadcast
Message determines that the encryption from guarantor is prestored in the block chain assures related information, and executes described from block chain
The step of block of related information is assured in the encryption that downloading is stored with from guarantor.Step S120: institute is extracted from the block
State the encryption guarantee related information from guarantor.
For the present embodiment, terminal where the financial lending such as arbitrary node in block chain, such as bank mechanism is accessed to
Node from block chain downloading be stored with from guarantor encryption guarantee related information block after, can be mentioned from the block
It takes the encryption from guarantor to assure related information, is used for after encryption guarantee related information is made decryption processing
For the accrediting amount assessment from guarantor.By extracting the encryption guarantee association letter from guarantor from the block
Breath, it can be ensured that the reliability and trackability of the encryption guarantee related information.
Step S130: the first private key being used cooperatively with first public key is obtained, according to the first private key to the encryption
Guarantee related information is decrypted, and obtains the guarantee related information from guarantor.
For the present embodiment, extraction obtains the encryption guarantee related information and is not meant to that the load can be directly read
The particular content of related information is protected, need to assure that related information is decrypted to the encryption, the guarantee after being decrypted is closed
Its particular content just can be read after connection information, that is to say, that be stored with certainly even if there is illegal user to download from block chain
The block of related information is assured in the encryption of guarantor and extraction obtains the encryption guarantee related information, can not also be obtained guarantee and be closed
Join the particular content of information, to ensure that the safety from the guarantee related information of guarantor, prevents from monitoring and attack, guarantee load
Guarantor's related information does not meet with other people and illegally distorts, and information credibility is high.
For the present embodiment, since encryption guarantee related information adds guarantee related information according to the first public key
Information that is close and generating, and pass through the first public key encryption can only be realized by the first private key decrypts, therefore is extracting described from load
After the encryption guarantee related information of guarantor, financial lending mechanism need to further obtain the be used cooperatively with first public key
One private key, the i.e. one's own private key of the financial lending mechanism assure association letter to the encryption according to first private key
Breath is decrypted, to obtain the guarantee related information from guarantor.
Step S140: according to the guarantee related information, the accrediting amount from guarantor is determined.
For the present embodiment, the accrediting amount refers to that the financial lending mechanism such as bank awards in short term for what personal or enterprise appraised and decided
The stock control index of communication service.By carrying out analysis assessment from the guarantee related information of guarantor to acquired, institute is calculated
The corresponding accrediting amount of every guarantee related information from guarantor is stated, so that it is determined that the credit volume final from guarantor
Degree.
Guarantee credit method provided in an embodiment of the present invention certainly based on block chain, is pre-stored in area by being obtained from guarantor
Related information is assured in encryption in block chain, and is decrypted by encryption guarantee related information described in self-holding key pair, is obtained
It assures related information, and then determines that its accrediting amount, this method can guarantee that guarantee related information does not meet with according to guarantee related information
Other people illegally distort, and the reliability and trackability of the guarantee related information from guarantor are effectively ensured, so that it is guaranteed that load
The reliability of credit assessment result is protected, and is not necessarily to third party in accrediting amount evaluation process as guarantor, block chain can be based on
It realizes reliably from assuring, simplifies the process of guarantor's credit data acquisition, effectively improve the efficiency of guarantee credit assessment.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Before, further includes:
Confirm that the guarantee related information is uploaded by described from guarantor.
The present embodiment is needed before determining the accrediting amount from guarantor according to the guarantee related information
Confirm that the guarantee related information is packaged and is added into block chain from guarantor by described in advance, can further protect
The reliability of the guarantee related information is demonstrate,proved, so that it is guaranteed that the reliability of guarantee credit assessment result.
In one embodiment, the guarantee related information includes signing messages, wherein the signing messages is according to second
Private key signature and generate；
The confirmation guarantee related information is uploaded by described from guarantor, comprising:
Obtain the second public key being used cooperatively with second private key；The signing messages is tested according to the second public key
Card confirms that the guarantee related information is uploaded by described from guarantor if being proved to be successful.
For the present embodiment, second public key and the second private key belong to it is described from guarantor, second public key by
From guarantor's external disclosure, second private key not external disclosure, by possessing and using from guarantor oneself.Second public key
It is used cooperatively with the second private key, specifically, second private key is for completing signature, and second public key is for verifying current label
Whether whether name information generates according to the second private key signature, that is, confirm the guarantee related information by possessing the institute of the second private key
It states and is uploaded from guarantor, it is described from guarantor's with the use of can be achieved by second public key and second private key
Authentication.
For the present embodiment, from can be pre- from the financial lending mechanism of guarantor's accrediting amount described in guarantor and evaluation
First arrange the particular content of the signing messages, which can be the personal information from guarantor, described can also carry on a shoulder pole
The abstract of the information in related information in addition to the signing messages is protected, it is not limited in the embodiment of the present invention.
For the present embodiment, the signing messages is generated according to the second private key signature, specifically, passes through the from guarantor
Two private keys carry out ciphering signature to the particular content, obtain the signing messages.Correspondingly, from guarantor described in evaluation
The financial lending mechanism of the accrediting amount be intended to confirm the guarantee related information by it is described uploaded from guarantor when, then obtain described the
Two public keys, and the signing messages is decrypted according to second public key, if the information and both sides that obtain after decryption are preparatory
The particular content matching of the signing messages of agreement is consistent, then is proved to be successful, the guarantee related information can be confirmed by possessing
The described of second private key uploads from guarantor.
In the present embodiment, by testing with second public key that second private key is used cooperatively signing messages
Card, realizes to the authentication from guarantor, can confirm that the guarantee related information is by described from guarantor
It is packaged and is added into block chain, further ensure the reliability of the guarantee related information, so that it is guaranteed that guarantee credit
The reliability of assessment result.In one embodiment, as shown in Fig. 2, described according to the guarantee related information, determination is described certainly
After the accrediting amount of guarantor, further includes:
Step S150: the broadcast message that the guarantee related information updates is received, and is determined more according to the broadcast message
Guarantee related information after new.
Step S160: according to updated guarantee related information, the adjustment accrediting amount from guarantor.
In practical application scene, the guarantee related information being pre-stored in block chain from guarantor can not be deleted, be modified, but
It can be updated as time goes by, therefore when the guarantee related information update from guarantor, the finance lending mechanism such as bank
The accrediting amount from guarantor need to be adjusted, in time effectively to evade the risk of bad credit.The accrediting amount be one can root
The dynamic value for updating according to the guarantee related information from guarantor and adjusting in real time.
For the present embodiment, after updated guarantee related information is verified, the updated guarantee association letter
Immediate updating is ceased into the block of block chain, and block chain is closed to described in block described in each node broadcasts from the guarantee of guarantor
Join the broadcast message of information update, is closed correspondingly, each node having access in block chain can passively receive the guarantee
Join the broadcast message of information update.The finance lending mechanism such as bank is in the broadcast message for receiving the guarantee related information update
Later, updated guarantee related information can be determined according to the broadcast message, and be further associated with according to updated guarantee
The information adjustment confirmation accrediting amount from guarantor.Wherein, according to the broadcast message, determination is described more from block chain
The method and step of guarantee related information after new and the above-mentioned method and step class for obtaining the guarantee related information from guarantor
Seemingly, specific implementation refers to the related description in embodiment of the method, and the embodiment of the present invention repeats no more this.
For the present embodiment, according to updated guarantee related information, the adjustment accrediting amount from guarantor can have
Body is to carry out analysis assessment from the updated guarantee related information of guarantor to described again, after calculating the update from guarantor
The corresponding accrediting amount of every guarantee related information, so as to adjust confirmation it is described from guarantor after guarantee related information updates
The accrediting amount；In addition, may further be embodied as only carrying out analysis assessment to the information updated in guarantee related information, load is calculated
The corresponding accrediting amount of information updated in related information is protected, is associated with letter in guarantee from guarantor so as to adjust confirmation is described
Cease the updated accrediting amount.
For the present embodiment, the adjustment can reduce, increase or maintain the credit from the accrediting amount of guarantor
Amount.
In one embodiment, the guarantee related information includes that debt proves information；
It is described according to updated guarantee related information, the adjustment accrediting amount from guarantor, comprising:
If the debt proves information, corresponding debt number is reduced or is closed, and reduces the credit volume from guarantor
Degree；
If the debt proves information, corresponding debt number increases, and increases the accrediting amount from guarantor.
For the present embodiment, the guarantee related information, which specifically includes debt, proves information, wherein the debt permit
Cease that corresponding debt number is bigger, and the collateral value having is then bigger, the accrediting amount correspondingly assessed also ought to be bigger.
For the present embodiment, the mapping relations between debt number and the accrediting amount can be preset, if the debt is demonstrate,proved
The corresponding debt number of bright information is reduced or is closed, then reduces the credit from guarantor according to pre-set mapping relations
Amount, if the debt proves information, corresponding debt number increases, described certainly according to the increase of pre-set mapping relations
The accrediting amount of guarantor.In the present embodiment, information is proved based on the updated debt of block chain quick obtaining, it can be achieved that fast
The whole accrediting amount from guarantor of velocity modulation.
In one embodiment, described according to updated when the guarantee related information includes that debt proves information
Assure related information, adjustment is described from before the accrediting amount of guarantor, further includes: the confirmation updated guarantee association letter
Breath by the debt prove information it is corresponding by borrower upload and via described from guarantor's Signature Confirmation.
For the present embodiment, the guarantee related information, which specifically includes debt, proves information, wherein the debt permit
Ceasing that corresponding debt number is bigger, and the collateral value having is then bigger, the accrediting amount correspondingly assessed also ought to be bigger,
The accrediting amount is adjusted as the debt proves the update of information.
For the present embodiment, the debt in the updated guarantee related information proves update of the information in block chain
It proves that information is corresponding by the debt to be initiated by borrower, the debt is updated in block chain proves the permission ownership of information
It is corresponding by borrower that information is proved in the debt, and the updated guarantee related information should obtain the guarantee certainly
The Signature Confirmation of people.
For example, being settled from guarantor with by the debt of borrower, then made by uploading the proof that debt is closed by borrower
Information is proved for the debt, in the legitimacy that debt changes by by borrower and borrower, i.e., approving jointly simultaneously from guarantor
After signature, current newest debt is proved that information is updated in the block of block chain, block chain is from each node broadcasts of trend
The broadcast message updated described in the block from the guarantee related information of guarantor.
Therefore, it when the guarantee related information includes that debt proves information, is associated with according to the updated guarantee
Information adjustment is described from before the accrediting amount of guarantor, need to confirm that the updated guarantee related information is owed by described in advance
Money prove information it is corresponding by borrower upload and via described from guarantor's Signature Confirmation, after being further ensured that the update
Guarantee related information reliability, so that it is guaranteed that guarantee the accrediting amount adjustment reliability.
In one embodiment, the updated guarantee related information includes dual signature information, wherein described dual
Signing messages is successively successively signed and is generated according to third private key and the second private key；
The confirmation updated guarantee related information proves that information is corresponding by the debt and is uploaded by borrower
And via described from guarantor's Signature Confirmation, comprising:
Obtain the second public key being used cooperatively with second private key；
Obtain the third public key being used cooperatively with the third private key；
Successively the dual signature information is verified according to second public key and the third public key, if verifying at
Function then confirms that the updated guarantee related information is uploaded and via described true from guarantor's signature by described by borrower
Recognize.
For the present embodiment, second public key and the second private key belong to it is described from guarantor, second public key by
From guarantor's external disclosure, second private key not external disclosure, by possessing and using from guarantor oneself.Second public key
It is used cooperatively with the second private key, specifically, second private key is for completing signature, and second public key is for verifying signature.
For the present embodiment, the third public key and third private key, which belong to the debt and prove that information is corresponding, is borrowed money
People, the third public key is by by borrower's external disclosure, the third private key not external disclosure, by being possessed simultaneously by borrower oneself
It uses.The third public key is used cooperatively with third private key, and specifically, the third private key is for completing signature, the third
Public key is for verifying signature.
For the present embodiment, it is described described in borrower and evaluation from the financial lending mechanism of guarantor's accrediting amount
The particular content for the dual signature information that can make an appointment, the particular content can be by the personal information of borrower, can also
With the abstract of the information in the updated guarantee related information in addition to the dual signature information, the embodiment of the present invention pair
This is without limitation.
For the present embodiment, the dual signature information is successively successively signed according to the third private key and second private key
Name and generates, specifically, it is described by borrower by the third private key to the particular content progress ciphering signature, signed
Name information, it is described from guarantor confirm it is without demur to the updated guarantee related information after, pass through it is described second private
Key makees further ciphering signature to by the signing messages generated by borrower according to the third private key signature, obtains institute
State dual signature information.Correspondingly, described in evaluation from the financial lending mechanism of guarantor's accrediting amount be intended to confirm it is described more
Guarantee related information after new is uploaded and when via the Signature Confirmation from guarantor by described by borrower, then obtains described the
Two public keys and the third public key, and the dual signature information is decrypted to according to second public key first, then root
Make further decryption according to the third public key, if the dual signature that the information and both sides that obtain after decrypting twice are made an appointment
The particular content matching of information is consistent, then is proved to be successful, can confirm that the updated guarantee related information is borrowed money by described
People uploads and via described from guarantor's Signature Confirmation.In the present embodiment, by being used cooperatively in conjunction with second private key
Second public key and the third public key that is used cooperatively with the third private key dual signature information is verified, it is real
Show to described by borrower and from the authentication of guarantor, can confirm that the updated guarantee related information is by described
It is packaged and is added into block chain by borrower, and the updated guarantee related information is via described from guarantor
Signature Confirmation further ensures the reliability of the updated guarantee related information, so that it is guaranteed that guarantee accrediting amount tune
Whole reliability.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor, packet
It includes:
Obtain the accrediting amount radix from guarantor；
Obtain the information type and the corresponding accrediting amount coefficient of the information type of the guarantee related information；
According to the accrediting amount radix, the information type and the accrediting amount coefficient, determine described from guarantor
The accrediting amount.
For the present embodiment, the accrediting amount radix from guarantor can be each with the financial lending mechanism such as bank in advance
A original value set by user for having accrediting amount evaluation requirement is also possible to the history accrediting amount from guarantor, also
It can be the accrediting amount radix that the financial lending mechanism such as bank is obtained from third party, it is not limited in the embodiment of the present invention.
For the present embodiment, the accrediting amount is according to the accrediting amount radix, the information for assuring related information
Type and the corresponding accrediting amount coefficient of the information type are calculated, and specifically, the parsing guarantee from guarantor is closed
Connection information and the information type for obtaining every guarantee related information, wherein each information type is previously provided with corresponding credit
Amount coefficient, such as the coefficient values such as 1.1,1.5,3, by by the corresponding accrediting amount coefficient of information type multiplied by the credit volume
Radix is spent, the accrediting amount that the guarantee related information of current information type is assessed can be obtained, finally by every terms of information type
The accrediting amount from guarantor can be obtained in the accrediting amount addition that guarantee related information is assessed.
In the present embodiment, by according to the accrediting amount radix, the information type and the accrediting amount coefficient
The accrediting amount from guarantor is calculated, and the corresponding accrediting amount coefficient of guarantee related information of different information types can phase
Together can be different, the contribution that the guarantee related information of different information types calculates the accrediting amount can be adjusted flexibly, awarded to increase
Believe the flexibility that amount calculates.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Afterwards, comprising:
The accrediting amount is fed back from guarantor to described.
For the present embodiment, respond the accrediting amount that itself guarantor initiates and assess request, and determine it is described from
The accrediting amount is fed back from guarantor to described in real time after the accrediting amount of guarantor, is made described from guarantor's real-time awareness
It assures the accrediting amount that related information is assessed.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Afterwards, can also include:
Recommend and the matched loan product of the accrediting amount to described from guarantor.
For the present embodiment, the accrediting amount refers to that the financial lending mechanism such as bank awards in short term for what personal or enterprise appraised and decided
The stock control index of communication service, after determining the accrediting amount from guarantor, the finance lending mechanism such as bank can root
According to the accrediting amount from guarantor, determination is matched with the accrediting amount from the loan product of this finance lending mechanism
Loan product, and the debt-credit matched recommended it is described from guarantor, to improve the efficiency of loan product recommendation and accurate
Rate.
Credit device is assured based on block chain certainly in addition, the embodiment of the invention also provides a kind of, as shown in figure 3, institute
Stating device includes: block download module 31, guarantee related information acquisition module 32, deciphering module 33 and accrediting amount determining module
34；Wherein,
The block download module 31 assures related information for downloading the encryption being stored with from guarantor from block chain
Block, wherein encryption guarantee related information encrypts guarantee related information according to the first public key and is generated；
The guarantee related information obtains module 32, assures for extracting the encryption from guarantor from the block
Related information；
The deciphering module 33, for obtaining the first private key being used cooperatively with first public key, according to the first private key
Encryption guarantee related information is decrypted, the guarantee related information from guarantor is obtained；
The accrediting amount determining module 34, for determining the awarding from guarantor according to the guarantee related information
Believe amount.
In one embodiment, described according to the guarantee related information, determine the accrediting amount from guarantor it
Before, further includes:
Confirm that the guarantee related information is uploaded by described from guarantor.
In one embodiment, the guarantee related information includes signing messages, wherein the signing messages is according to second
Private key signature and generate；
The confirmation guarantee related information is uploaded by described from guarantor, comprising:
Obtain the second public key being used cooperatively with second private key；
The signing messages is verified according to the second public key, if being proved to be successful, confirms the guarantee related information
It is uploaded by described from guarantor.
In one embodiment, as shown in figure 4, the guarantee credit device certainly based on block chain further include: broadcast disappears
It ceases receiving module 41 and the accrediting amount adjusts module 42；Wherein,
The broadcast message reception module 41, the broadcast message updated for receiving the guarantee related information, and according to
The broadcast message determines updated guarantee related information；
The accrediting amount adjusts module 42, for according to updated guarantee related information, adjustment to be described from guarantor
The accrediting amount.
In one embodiment, the guarantee related information includes that debt proves information；
The accrediting amount adjusts module 42, is specifically used for:
If the debt proves information, corresponding debt number is reduced or is paid up, and reduces the credit volume from guarantor
Degree；
If the debt proves information, corresponding debt number increases, and increases the accrediting amount from guarantor.
In one embodiment, the guarantee related information includes that debt proves information；
It is described according to updated guarantee related information, adjustment is described from before the accrediting amount of guarantor, further includes: really
Recognizing the updated guarantee related information proves that information is corresponding by borrower's upload and via the load certainly by the debt
Guarantor's Signature Confirmation.
In one embodiment, the updated guarantee related information includes dual signature information, wherein described dual
Signing messages is successively successively signed and is generated according to third private key and the second private key；
The confirmation updated guarantee related information proves that information is corresponding by the debt and is uploaded by borrower
And via described from guarantor's Signature Confirmation, comprising:
Obtain the second public key being used cooperatively with second private key；
Obtain the third public key being used cooperatively with the third private key；
Successively the dual signature information is verified according to second public key and the third public key, if verifying at
Function then confirms that the updated guarantee related information is uploaded and via described true from guarantor's signature by described by borrower
Recognize.
Can realize from guarantee credit device based on block chain provided by the invention: area is pre-stored in by being obtained from guarantor
Related information is assured in encryption in block chain, and is decrypted by encryption guarantee related information described in self-holding key pair, is obtained
It assures related information, and then determines that its accrediting amount, this method can guarantee that guarantee related information does not meet with according to guarantee related information
Other people illegally distort, and the reliability and trackability of the guarantee related information from guarantor are effectively ensured, so that it is guaranteed that load
The reliability of credit assessment result is protected, and is not necessarily to third party in accrediting amount evaluation process as guarantor, block chain can be based on
It realizes reliably from assuring, simplifies the process of guarantor's credit data acquisition, effectively improve the efficiency of guarantee credit assessment.Also
It can be achieved: by being verified with second public key that second private key is used cooperatively to signing messages, realizing to institute
The authentication from guarantor is stated, can confirm that the guarantee related information is packaged from guarantor by described and is added to area
In block chain, the reliability of the guarantee related information is further ensured, so that it is guaranteed that guarantee credit assessment result is reliable
Property；Described in being used cooperatively in conjunction with second public key being used cooperatively with second private key and with the third private key
Third public key verifies dual signature information, realizes to described by borrower and from the authentication of guarantor, can be true
Recognizing the updated guarantee related information is packaged and is added into block chain by borrower by described, and the update
Guarantee related information afterwards further ensures the updated guarantee association letter via described from guarantor's Signature Confirmation
The reliability of breath, so that it is guaranteed that the reliability of guarantee accrediting amount adjustment；By according to the accrediting amount radix, the information
Type and the accrediting amount coefficient calculate the accrediting amount from guarantor, and the guarantee related information of different information types
Corresponding accrediting amount coefficient can it is identical can be different, the guarantee related information of different information types can be adjusted flexibly to the accrediting amount
The contribution of calculating, to increase the flexibility of accrediting amount calculating.
Above-mentioned offer may be implemented from guarantee credit device method provided in an embodiment of the present invention based on block chain is real
Example is applied, concrete function realizes the explanation referred in embodiment of the method, and details are not described herein.
In addition, being deposited on computer readable storage medium the embodiment of the invention provides a kind of computer readable storage medium
Contain computer program, when the computer program is executed by processor realize above embodiments described in based on block chain from
Assure credit method.Wherein, the computer readable storage medium includes but is not limited to that any kind of disk is (including floppy disk, hard
Disk, CD, CD-ROM and magneto-optic disk), ROM (Read-Only Memory, read-only memory), RAM (Random AcceSS
Memory, immediately memory), EPROM (EraSable Programmable Read-Only Memory, erasable programmable
Read-only memory), EEPROM (Electrically EraSable Programmable Read-Only Memory, electrically erasable
Programmable read only memory), flash memory, magnetic card or light card.It is, storage equipment includes by equipment (for example, calculating
Machine, mobile phone) with any medium for the form storage or transmission information that can be read, it can be read-only memory, disk or CD etc..
Computer readable storage medium provided by the invention, it can be achieved that: be pre-stored in block chain by being obtained from guarantor
Encryption assure related information, and be decrypted by encryption guarantee related information described in self-holding key pair, obtain guarantee pass
Join information, and then its accrediting amount is determined according to guarantee related information, it is non-that this method can guarantee that guarantee related information does not meet with other people
Method is distorted, and the reliability and trackability of the guarantee related information from guarantor is effectively ensured, so that it is guaranteed that guarantee credit
The reliability of assessment result, and third party is not necessarily in accrediting amount evaluation process as guarantor, can be realized based on block chain can
That leans on assures certainly, simplifies the process of guarantor's credit data acquisition, effectively improves the efficiency of guarantee credit assessment.It can also be real
It is existing: by being verified with second public key that second private key is used cooperatively to signing messages, realize to it is described from
The authentication of guarantor can confirm that the guarantee related information is packaged from guarantor by described and is added to block chain
In, the reliability of the guarantee related information is further ensured, so that it is guaranteed that the reliability of guarantee credit assessment result；It is logical
It crosses in conjunction with second public key being used cooperatively with second private key and the third being used cooperatively with the third private key
Public key verifies dual signature information, realizes to described by borrower and from the authentication of guarantor, can confirm institute
Stating updated guarantee related information is packaged and is added into block chain by borrower by described, and described updated
Assure that related information via described from guarantor's Signature Confirmation, further ensures the updated guarantee related information
Reliability, so that it is guaranteed that the reliability of guarantee accrediting amount adjustment；By according to the accrediting amount radix, the information type
The accrediting amount from guarantor is calculated with the accrediting amount coefficient, and the guarantee related information of different information types is corresponding
Accrediting amount coefficient can it is identical can be different, the guarantee related information that different information types can be adjusted flexibly calculates the accrediting amount
Contribution, thus increase the accrediting amount calculating flexibility.
The embodiment of the method for above-mentioned offer may be implemented in computer readable storage medium provided in an embodiment of the present invention, specifically
Function realizes the explanation referred in embodiment of the method, and details are not described herein.
In addition, the embodiment of the invention also provides a kind of computer equipments, as shown in Figure 5.Calculating described in the present embodiment
Machine equipment can be the equipment such as server, personal computer and the network equipment.The computer equipment include processor 502,
The devices such as memory 505, input unit 504 and display unit 505.It will be understood by those skilled in the art that setting shown in Fig. 5
Standby structure devices do not constitute the restriction to all devices, may include components more more or fewer than diagram, or combine certain
A little components.Memory 505 can be used for storing computer program 501 and each functional module, and the operation of processor 502 is stored in storage
The computer program 501 of device 505, thereby executing the various function application and data processing of equipment.Memory can be memory
Reservoir or external memory, or including both built-in storage and external memory.Built-in storage may include read-only memory
(ROM), programming ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), flash
Device or random access memory.External memory may include hard disk, floppy disk, ZIP disk, USB flash disk, tape etc..It is disclosed in this invention to deposit
Reservoir includes but is not limited to the memory of these types.Memory disclosed in this invention is only used as example rather than as restriction.
Input unit 504 is used to receive the input of signal, and receives the keyword of user's input.Input unit 504 can
Including touch panel and other input equipments.Touch panel collects the touch operation of user on it or nearby and (for example uses
Family uses the operations of any suitable object or attachment on touch panel or near touch panel such as finger, stylus), and root
According to the corresponding attachment device of preset driven by program；Other input equipments can include but is not limited to physical keyboard, function
One of key (such as broadcasting control button, switch key etc.), trace ball, mouse, operating stick etc. are a variety of.Display unit
505 can be used for showing the information of user's input or be supplied to the information of user and the various menus of computer equipment.Display is single
The forms such as liquid crystal display, Organic Light Emitting Diode can be used in member 505.Processor 502 is the control centre of computer equipment, benefit
With the various pieces of various interfaces and the entire computer of connection, by running or executing the software being stored in memory 502
Program and/or module, and the data being stored in memory are called, perform various functions and handle data.
As one embodiment, the computer equipment includes: one or more processors 502, memory 505, and one
Or multiple computer programs 501, wherein one or more of computer programs 501 are stored in memory 505 and are matched
It is set to and is executed by one or more of processors 502, one or more of computer programs 501 are configured to carry out above
Guarantee credit method certainly described in any embodiment based on block chain.
Computer equipment provided by the invention, it can be achieved that: carried on a shoulder pole by being obtained from the encryption that guarantor is pre-stored in block chain
Related information is protected, and is decrypted by encryption guarantee related information described in self-holding key pair, guarantee related information is obtained, into
And determine that its accrediting amount, this method can guarantee that guarantee related information does not meet with other people and illegally distorts, and has according to guarantee related information
Effect guarantees the reliability and trackability of the guarantee related information from guarantor, so that it is guaranteed that guarantee credit assessment result
Reliability, and third party is not necessarily in accrediting amount evaluation process as guarantor, guarantee certainly can be realized reliably based on block chain,
The process for simplifying the acquisition of guarantor's credit data effectively improves the efficiency of guarantee credit assessment.Can also be achieved: by with it is described
Second public key that second private key is used cooperatively verifies signing messages, realizes and is recognized from the identity of guarantor described
Card can confirm that the guarantee related information is packaged and is added into block chain from guarantor by described, further guarantor
The reliability of the guarantee related information is demonstrate,proved, so that it is guaranteed that the reliability of guarantee credit assessment result；By in conjunction with it is described
Second public key that second private key is used cooperatively and the third public key being used cooperatively with the third private key are to dual label
Name information is verified, and is realized to described by borrower and from the authentication of guarantor, can be confirmed the updated load
Protecting related information is packaged and is added into block chain by borrower by described, and the updated guarantee related information
The reliability of the updated guarantee related information is further ensured from guarantor's Signature Confirmation via described, thus
Ensure to assure the reliability of accrediting amount adjustment；By according to the accrediting amount radix, the information type and the credit
Amount coefficient calculates the accrediting amount from guarantor, and the corresponding accrediting amount of guarantee related information of different information types
Coefficient can it is identical can be different, the contribution that the guarantee related information of different information types calculates the accrediting amount can be adjusted flexibly, from
And increase the flexibility of accrediting amount calculating.
The embodiment of the method for above-mentioned offer may be implemented in computer equipment provided in an embodiment of the present invention, and concrete function is realized
The explanation in embodiment of the method is referred to, details are not described herein.
It, can also be in addition, each functional unit in each embodiment of the present invention can integrate in a processing module
It is that each unit physically exists alone, can also be integrated in two or more units in a module.Above-mentioned integrated mould
Block both can take the form of hardware realization, can also be realized in the form of software function module.The integrated module is such as
Fruit is realized and when sold or used as an independent product in the form of software function module, also can store in a computer
In read/write memory medium.
The above is only some embodiments of the invention, it is noted that for the ordinary skill people of the art
For member, various improvements and modifications may be made without departing from the principle of the present invention, these improvements and modifications are also answered
It is considered as protection scope of the present invention.
Claims (10)
1. a kind of guarantee credit method certainly based on block chain, which comprises the steps of:
Downloading is stored with the block from the encryption guarantee related information of guarantor from block chain, wherein the encryption guarantee is closed
Connection information encrypts guarantee related information according to the first public key and is generated；
The encryption from guarantor is extracted from the block assures related information；
Obtain the first private key being used cooperatively with first public key, according to the first private key to encryption guarantee related information into
Row decryption obtains the guarantee related information from guarantor；
According to the guarantee related information, the accrediting amount from guarantor is determined.
2. the guarantee credit method according to claim 1 certainly based on block chain, which is characterized in that described according to the load
Related information is protected, is determined described from before the accrediting amount of guarantor, further includes:
Confirm that the guarantee related information is uploaded by described from guarantor.
3. the guarantee credit method according to claim 2 certainly based on block chain, which is characterized in that the guarantee association letter
Breath includes signing messages, wherein the signing messages is generated according to the second private key signature；
The confirmation guarantee related information is uploaded by described from guarantor, comprising:
Obtain the second public key being used cooperatively with second private key；
The signing messages is verified according to the second public key, if being proved to be successful, confirms the guarantee related information by institute
It states and is uploaded from guarantor.
4. the guarantee credit method according to claim 1 certainly based on block chain, which is characterized in that described according to the load
Related information is protected, is determined described from after the accrediting amount of guarantor, further includes:
The broadcast message that the guarantee related information updates is received, and determines that updated guarantee is associated with according to the broadcast message
Information；
According to updated guarantee related information, the adjustment accrediting amount from guarantor.
5. the guarantee credit method according to claim 4 certainly based on block chain, which is characterized in that the guarantee association letter
Breath includes that debt proves information；
It is described according to updated guarantee related information, the adjustment accrediting amount from guarantor, comprising:
If the debt proves information, corresponding debt number is reduced or is closed, and reduces the accrediting amount from guarantor；
If the debt proves information, corresponding debt number increases, and increases the accrediting amount from guarantor.
6. the guarantee credit method according to claim 4 certainly based on block chain, which is characterized in that the guarantee association letter
Breath includes that debt proves information；
It is described according to updated guarantee related information, adjustment is described from before the accrediting amount of guarantor, further includes:
Confirm that the updated guarantee related information proves that information is corresponding by the debt and uploaded by borrower and via institute
It states from guarantor's Signature Confirmation.
7. the guarantee credit method according to claim 6 certainly based on block chain, which is characterized in that the updated load
Protecting related information includes dual signature information, wherein the dual signature information is successively first according to third private key and the second private key
After sign and generate；
The confirmation updated guarantee related information proves that information is corresponding by the debt and is uploaded and passed through by borrower
By described from guarantor's Signature Confirmation, comprising:
Obtain the second public key being used cooperatively with second private key；
Obtain the third public key being used cooperatively with the third private key；
Successively the dual signature information is verified according to second public key and the third public key, if being proved to be successful,
Then confirm the updated guarantee related information by it is described by borrower upload and via described from guarantor's Signature Confirmation.
8. a kind of guarantee credit device certainly based on block chain characterized by comprising
Block download module, for downloading the block being stored with from the encryption guarantee related information of guarantor from block chain,
In, the encryption guarantee related information encrypts guarantee related information according to the first public key and is generated；
It assures that related information obtains module, assures related information for extracting the encryption from guarantor from the block；
Deciphering module, for obtaining the first private key being used cooperatively with first public key, according to the first private key to the encryption
Guarantee related information is decrypted, and obtains the guarantee related information from guarantor；
Accrediting amount determining module, for determining the accrediting amount from guarantor according to the guarantee related information.
9. a kind of computer readable storage medium, which is characterized in that be stored with computer on the computer readable storage medium
Program realizes claim 1 to 7 described in any item carrying on a shoulder pole certainly based on block chain when the computer program is executed by processor
Protect credit method.
10. a kind of computer equipment, characterized in that it comprises:
One or more processors；
Memory；
One or more computer programs, wherein one or more of computer programs are stored in the memory and quilt
It is configured to be executed by one or more of processors, one or more of computer programs are configured to: execute according to power
Benefit requires 1 to 7 described in any item guarantee credit methods certainly based on block chain.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910532666.4A CN110378782A (en) | 2019-06-19 | 2019-06-19 | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910532666.4A CN110378782A (en) | 2019-06-19 | 2019-06-19 | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN110378782A true CN110378782A (en) | 2019-10-25 |
Family
ID=68250425
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910532666.4A Pending CN110378782A (en) | 2019-06-19 | 2019-06-19 | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110378782A (en) |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111199389A (en) * | 2019-12-27 | 2020-05-26 | 安徽科讯金服科技有限公司 | Entrepreneurship guarantee loan online system based on government affair big data |
| CN111418184A (en) * | 2020-02-03 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Credible insurance letter based on block chain |
-
2019
- 2019-06-19 CN CN201910532666.4A patent/CN110378782A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111199389A (en) * | 2019-12-27 | 2020-05-26 | 安徽科讯金服科技有限公司 | Entrepreneurship guarantee loan online system based on government affair big data |
| CN111418184A (en) * | 2020-02-03 | 2020-07-14 | 支付宝(杭州)信息技术有限公司 | Credible insurance letter based on block chain |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11334883B1 (en) | Systems, methods, and program products for modifying the supply, depositing, holding and/or distributing collateral as a stable value token in the form of digital assets | |
| Allen et al. | Design choices for central bank digital currency: Policy and technical considerations | |
| US11720887B1 (en) | System, method and program product for depositing and withdrawing stable value digital assets in exchange for fiat | |
| US11522700B1 (en) | Systems, methods, and program products for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain | |
| US11004068B2 (en) | Multi-signature verification network | |
| CN107683493B (en) | System and method for updating a distributed ledger based on partial validation of transactions | |
| US10546296B2 (en) | Public ledger authentication system | |
| US10937069B2 (en) | Public ledger authentication system | |
| US11475442B1 (en) | System, method and program product for modifying a supply of stable value digital asset tokens | |
| US7673794B2 (en) | Personal information verification program, method and apparatus | |
| WO2007092577A2 (en) | A point-of-sale terminal transactions using mutating identifiers | |
| WO2010078522A1 (en) | Unified identity verification | |
| US6854057B2 (en) | Digital certificate proxy | |
| CN110378782A (en) | The credit method, apparatus of guarantee certainly, storage medium and equipment based on block chain | |
| Allen et al. | Design choices for central bank digital currency | |
| WO2010089049A1 (en) | Mobile payment method and devices | |
| Vagadia et al. | Data integrity, control and tokenization | |
| US11909860B1 (en) | Systems, methods, and program products for loaning digital assets and for depositing, holding and/or distributing collateral as a token in the form of digital assets on an underlying blockchain | |
| KR20190142682A (en) | The Method for convenient remittance utilizing Master-password, Public-key, and Private-key | |
| US20200402047A1 (en) | Registry maintaining processed user requests | |
| Parusheva et al. | Electronic Business 2nd Part. Software Development Management | |
| Aste et al. | Future impact of blockchain technologies on services, businesses and regulation | |
| WO2022253863A1 (en) | A system and method for trading cryptocurrencies, tokenized assets and/or fiat currencies on a single distributed ledger system with multiple issuing institutions | |
| CN115293885A (en) | User side loan credit scoring method and system based on trusted execution environment | |
| Centeno | Securing Internet Payments |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |