CN110599331B - Liability collection system, method, equipment and storage medium based on blockchain - Google Patents
Liability collection system, method, equipment and storage medium based on blockchain Download PDFInfo
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Abstract
The embodiment of the application discloses a liability collection system, a liability collection method, liability collection device, liability collection equipment and a liability collection storage medium based on a blockchain, and belongs to the technical field of networks. The liability collection system comprises a lending node, an asset disposal node and a liability collection node which are arranged based on liability blockchains; a lending node for storing a set of liability information into a liability blockchain, the set of liability information including at least one liability information, the liability information including index information of liability persons and liability listings of liability persons; an asset handling node for generating a debt manifest for a target debt person from a set of debt information stored in a debt blockchain; synchronizing the debt list of the target debt person to the debt-accelerating node; and the liability collection node is used for receiving the liability list of the target liability person. The embodiment of the application improves the collecting efficiency.
Description
Technical Field
The embodiment of the application relates to the technical field of networks, in particular to a debt collection system, a method, a device, equipment and a storage medium based on a blockchain.
Background
In recent years, the continuous growth of poor financial assets has led to rapid growth of the revenue industry.
In the related art, the creditor may apply for the lender to the lender, and the lender may hire the liaison to urge the liaison to the creditor when the creditor has not paid beyond the contracted term. Early intervention of professional collection companies can furthest recover overdue assets, and reduce litigation and litigation in judicial security links.
However, information cannot be effectively shared between the collecting mechanisms in the related art, collecting work is repeated, and collecting efficiency is low.
Disclosure of Invention
The embodiment of the application provides a liability collection system, a liability collection method, a liability collection device, liability collection equipment and a storage medium based on a blockchain, which can be used for solving the technical problems that information cannot be effectively shared among collection mechanisms in the related technology, collection work is repeatedly carried out, and collection efficiency is low. The technical proposal is as follows:
in one aspect, an embodiment of the present application provides a liability-promoting system based on blockchains, where the liability-promoting system includes a lending node, an asset handling node, and a liability-promoting node that are set based on the liability blockchains;
the lending node is configured to store a debt information set into the debt blockchain, where the debt information set includes at least one debt information, and the debt information includes index information of a debtor and a debt list of the debtor;
the asset handling node is configured to generate a liability list of a target liability person according to the liability information set stored in the liability blockchain; synchronizing a debt manifest of the target debtor to the debt-accelerating node;
the liability collection node is configured to receive a liability list of the target liability person.
In another aspect, an embodiment of the present application provides a liability collection method based on blockchain, the method including:
receiving a debt list of a target debt person sent by an asset handling node, the debt list of the target debt person generated by the asset handling node according to a set of debt information stored in a debt blockchain;
checking whether the debt list is legal;
and if the debt list is legal, executing the collection flow aiming at the target debtor.
In another aspect, an embodiment of the present application provides a liability collection device based on blockchain, including:
a manifest receiving module, configured to receive a debt manifest of a target debt person sent by an asset handling node, where the debt manifest of the target debt person is generated by the asset handling node according to a debt information set stored in a debt blockchain;
a bill checking module for checking whether the debt bill is legal;
and the liability collection module is used for executing a collection flow aiming at the target liability person if the liability list is legal.
In yet another aspect, an embodiment of the present application provides a computer device, including a processor and a memory, where at least one instruction, at least one program, a set of codes, or a set of instructions is stored, where the at least one instruction, the at least one program, the set of codes, or the set of instructions is loaded and executed by the processor to implement a blockchain-based liability promotion method as described in the above aspect.
In yet another aspect, embodiments of the present application provide a computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, the at least one instruction, the at least one program, the set of codes, or the set of instructions being loaded and executed by a processor to implement a blockchain-based liability-promoting method as described in the above aspects.
In yet another aspect, embodiments of the present application provide a computer program product for performing the blockchain-based liability-promoting method of the above aspects when the computer program product is executed.
The technical scheme provided by the embodiment of the application has the beneficial effects that at least:
the asset handling node generates a debt list of the debt person according to the debt information set stored in the debt blockchain by the lending node, and synchronizes the debt list to the debt collection node, so that the association of the debt information of the same debt person in different lending institutions is realized, a data sharing channel between the debt collection nodes is broken, the repeated collection work is avoided, and the collection efficiency is improved.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings required for the description of the embodiments will be briefly described below, and it is apparent that the drawings in the following description are only some embodiments of the present application, and other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art.
FIG. 1 is a diagram of a related art liability collection architecture;
FIG. 2 is a schematic diagram of a distributed system according to one embodiment of the present application;
FIG. 3 is a block diagram of a block structure according to an embodiment of the present application;
FIG. 4 is a schematic diagram of a block chain based liability collection system according to an embodiment of the present application;
FIG. 5 is a flow chart of a liability collection method based on blockchain according to an embodiment of the present application;
FIG. 6 is a block chain based liability collection method architecture diagram provided in one embodiment of the present application;
FIG. 7 is a schematic diagram of a blockchain-based liability collection system provided in accordance with an embodiment of the present application;
FIG. 8 is a flow chart of a liability collection method based on blockchain in accordance with another embodiment of the present application;
FIG. 9 is a block diagram of a blockchain-based liability incentive apparatus provided in an embodiment of the present application;
fig. 10 is a block diagram of a computer device according to an embodiment of the present application.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the present application more apparent, the embodiments of the present application will be described in further detail with reference to the accompanying drawings.
In recent years, the continuous growth of poor financial assets has led to rapid growth of the revenue industry. As shown in fig. 1, a debtor may apply for a loan to a lending institution, such as a bank, internet financial platform, civil loan, etc., and when the debtor fails to repayment beyond a contracted term, the lending institution may employ an incentive to collect the debtor. Early intervention of the professional collection mechanism can furthest recover overdue assets, and reduce litigation and litigation in judicial security links.
However, information cannot be effectively shared among the collecting mechanisms, so that collecting operation is repeatedly performed, and collecting efficiency is low.
The system according to the embodiment of the present application may be a distributed system formed by connecting a client and a plurality of nodes (any form of computing device in an access network, such as a server and a user terminal) through a network communication.
Taking a distributed system as an example of a blockchain system, referring To fig. 2, fig. 2 is a schematic diagram of an alternative architecture of the distributed system 200 applied To the blockchain system according To an embodiment of the present application, the architecture is formed by a plurality of nodes 300 (any type of computing devices in an access network, such as servers and user terminals) and clients 400, and a Peer-To-Peer (P2P, peer To Peer) network is formed between the nodes 300, where the P2P protocol is an application layer protocol running on top of a transmission control protocol (TCP, transmission Control Protocol) protocol. In distributed system 200, any machine, such as a server, terminal, may be added to become node 300, node 300 including a hardware layer, an intermediate layer, an operating system layer, and an application layer.
Referring to the functionality of each node in the blockchain system shown in fig. 2, the functions involved include:
1) The routing, the node has basic functions for supporting communication between nodes.
Besides the routing function, the node can also have the following functions:
2) The application is used for being deployed in a block chain to realize specific service according to actual service requirements, recording data related to the realization function to form recorded data, carrying a digital signature in the recorded data to represent the source of task data, sending the recorded data to other nodes in the block chain system, and adding the recorded data into a temporary block when the source and the integrity of the recorded data are verified by the other nodes.
For example, the services implemented by the application include:
2.1 Wallet for providing electronic money transactions, including initiating a transaction (i.e., sending a transaction record of the current transaction to other nodes in the blockchain system, the other nodes, after verification, storing record data of the transaction in a temporary block of the blockchain in response to acknowledging that the transaction is valid; of course, the wallet also supports inquiry of electronic money remaining in the electronic money address.
2.2 The shared account book is used for providing the functions of storing, inquiring, modifying and the like of account data, sending record data of the operation on the account data to other nodes in the blockchain system, and after the other nodes verify to be effective, storing the record data into a temporary block as a response for acknowledging that the account data is effective, and also sending confirmation to the node initiating the operation.
2.3 A computerized agreement that can execute the terms of a certain contract, implemented by code deployed on the shared ledger for execution when certain conditions are met, for completing automated transactions according to actual business needs code. The smart contracts are not limited to executing contracts for transactions, but may also execute contracts that process received information. For example, each institution may provide an acceptance function through an intelligent contract crowdsourcing service on a blockchain deployed in a server, and when the receiver completes and feeds back an execution result of a public task, the acceptance function in the intelligent contract is triggered, and an automated transaction is completed according to the verification result; the process not only processes the information of the received execution result, but also completes the automatic transaction.
3) The blockchain comprises a series of blocks (blocks) which are connected with each other according to the generated sequence time, the new blocks are not removed once being added into the blockchain, and record data submitted by nodes in the blockchain system are recorded in the blocks.
Referring to fig. 3, fig. 3 is an optional Block Structure (Block Structure) provided in an embodiment of the present application, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and each Block is connected by the hash value to form a Block chain. In addition, the block may include information such as a time stamp at the time of block generation. The Blockchain (Blockchain), which is essentially a de-centralized database, is a string of data blocks that are generated in association using cryptographic methods, each of which contains associated information that is used to verify the validity (anti-counterfeiting) of its information and to generate the next block.
Illustratively, the blockchain-based task processing method provided by the application is applied to the blockchain system shown in fig. 2, a blockchain platform constructed based on the blockchain system is used for providing task processing services for a publisher and a receiver, a publishing client publishes a public task on the blockchain platform through a proxy node, the proxy node registers task information of the public task and constructs a corresponding intelligent contract, and the task information of the public task and the intelligent contract are recorded in each blockchain node in the blockchain platform; the receiving client acquires the public task from the blockchain platform through the proxy node, feeds back the execution result of the public task to the blockchain platform, verifies the execution result by at least two blockchain nodes on the blockchain platform, and feeds back the verification result to the issuing client and the receiving client.
Fig. 4 is a schematic diagram illustrating a structure of a liability collection system based on blockchain according to an exemplary embodiment of the present application. The system comprises a plurality of servers 101 and a plurality of storage devices 102, wherein the plurality of servers 101 can be configured with the same blockchain, i.e. the plurality of servers 101 can form a blockchain system, and each server 101 is a node in the blockchain system. Optionally, the nodes in the blockchain system include a lending node, an asset handling node, a liability collection node, an audit node. The plurality of servers 101 may be a plurality of servers of the same organization, or may be a plurality of servers belonging to different organizations, for example, a server of a bank, a server of a collection organization, a server of an audit organization, etc. may be included in the blockchain system. The user of each organization may access the servers of the organization through a terminal 1011, and the plurality of terminal devices 1011 may be electronic devices capable of accessing the plurality of servers 101, which may be computers, smartphones, tablets, or other electronic devices.
Of course, in order to perform services such as security verification and rights management, a CA center (Certificate Authority ) 103 is configured in the blockchain system for storing keys of respective institutions, and respective servers in the blockchain system may acquire keys of respective institutions from the CA center to perform processes such as encryption and decryption of data. The plurality of storage devices 102 are used to provide storage services for the plurality of servers 101, and it should be noted that the plurality of storage devices 102 may constitute a distributed storage system for providing storage data in a distributed manner.
Referring to fig. 5, a flowchart of a liability promoting method based on blockchain is shown, which is applied to the liability promoting system shown in fig. 4, and the method includes:
step 501, lending node stores the set of liability information into liability blockchain.
In an embodiment of the application, the set of liability information comprises at least one liability information comprising index information of the liability person and a liability list of the liability person. The lending node may be a server corresponding to a lending institution, which may be an institution such as a bank, an internet financial platform, a civil loan, or the like. The debtor applies for loans in the lending mechanism, the lending mechanism correspondingly generates a lending list of the debtor, the lending list becomes a debt list when the debtor does not pay off due, and the lending mechanism uploads the debt information at the lending node. The index information of the debtor is used for uniquely identifying the debtor, and the index information can be an identity card number or a mobile phone number or other identity information of the debtor. The lending node may be a node corresponding to the same lending organization, or may be a node corresponding to a plurality of lending organizations.
Step 502, the asset handling node generates a debt manifest for a target debtor based on a set of debt information stored in the debt blockchain.
The debt information set comprises debt information of the debt people in different lending institutions, the asset handling node carries out data cleaning on the debt information set, the debt information of the same debt people in different lending institutions is combined based on index information of the debt people, a debt list of target debt people is generated, and the target debt people can be any debt people stored in a debt blockchain.
At step 503, the asset handling node synchronizes the debt manifest of the target debtor to the debt-collection node.
The asset handling node may synchronize the debt manifest of the target debtor to the debt-collection node based on the consensus mechanism; alternatively, the asset handling node may issue the debt list of the target debtor to the liability enforcement node upon receiving a liability list acquisition request from the liability enforcement node for requesting acquisition of the liability list.
Step 504, liability collection node receives a liability list of the target liability person.
The liability collection node may be a node corresponding to a collection institution. After receiving the debt list of the target debt, the liability collection node may collect the target debt, or delegate the liability collection node to a corresponding collection institution to collect the liability.
In summary, in the technical solution provided in the embodiments of the present application, the asset handling node generates the debt list of the debt according to the debt information set stored in the debt blockchain by the lending node, and synchronizes the debt list to the liaison collecting node, so that the association of the liaison information of the same liaison in different lending institutions is realized, the data sharing channel between the liaison collecting nodes is broken, the duplicate operation of the collecting work is avoided, and the collecting efficiency is improved.
In addition, the special mechanisms of data encryption transmission, decentralization data storage, multiparty calculation and the like of the blockchain technology can break the regional limitation of the traditional harvest-accelerating industry, realize information complementation and effectively improve the asset disposal efficiency and the industry transparency, so that the debt harvest-accelerating system established by the blockchain technology can integrate the industry resources of lending institutions, harvest-accelerating institutions, asset disposal institutions and the like, break information islands and greatly improve the harvest-accelerating efficiency. Meanwhile, the application of the block chain technology can also guarantee information safety to the greatest extent.
As shown in fig. 6, which shows a structural diagram of a liability-promoting method based on blockchain, according to an embodiment of the present application, the method includes the following steps:
1. the lending node sends a debt information storage request to a control node in a debt blockchain;
in an embodiment of the application, the liability information storage request includes liability information.
2. After receiving the debt information storage request, the control node checks whether the lending node has storage authority;
the control node prestores a node list with storage authority, when the control node receives a debt information storage request sent by a lending node, the control node searches the prestored node list and judges whether the lending node is in the node list, if so, the lending node is determined to have the storage authority; if the lending node is not in the node list, determining that the lending node does not have the storage authority.
3. If the lending node has the storage authority, the lending node stores the debt information into the debt blockchain;
the debt information set includes at least one of debt information including index information of the debtor and a debt list of the debtor. If the lending node has storage rights, the lending node may store data into the liability blockchain.
4. The asset disposal node generates a liability list of the target liability person according to the liability information set stored in the liability blockchain;
the asset handling node merges the liability list of the same liability person into one liability list based on index information of the liability person according to the liability information set stored in the liability blockchain.
5. The asset handling node synchronizing the debt manifest of the target debtor to the debt-accelerating node;
6. the liability collection node receives a liability list of the target liability person;
7. the liability collection node stores collection behavior information generated in the collection process into a liability blockchain;
in the embodiment of the application, the collecting behavior information is used for representing collecting behavior in the collecting process. Illustratively, the collecting behavior information may include at least one of: short message prompting information and address book prompting information. And storing the information of the induced harvest behavior into the liability blockchain, and based on the non-tamperable characteristic of the blockchain, storing and fixing the evidence on the blockchain, so as to cope with the subsequent possible legal risk.
Optionally, the liability collection node may verify whether the liability list is legal or not before collecting the target liability person; and if the debt list is legal, the target debtor is charged.
Illustratively, verifying whether the debt listing is legal may include the steps of: comparing whether the first hash value and the second hash value are the same; and if the first hash value is the same as the second hash value, determining that the liability list is legal.
In the embodiment of the present application, the first hash value is a hash value generated by the lending node based on the liability list, and the second hash value is a hash value generated by the liability-promoting node based on the liability list acquired by the liability-promoting node. The lending mechanism sends the debt list to the collecting mechanism, the collecting mechanism sends the debt list to the debt collecting node after receiving the debt list, the debt collecting node generates a second hash value based on the acquired debt list, the second hash value is compared with the first hash value generated by the lending node, and if the first hash value is the same as the second hash value, the debt list sent to the collecting mechanism by the lending mechanism is consistent with the debt list originally stored by the lending mechanism; if the first hash value and the second hash value are different, the fact that the debt list sent to the collection agency by the lending agency is inconsistent with the debt list originally stored by the lending agency is not legal is indicated.
8. The supervision audit node sends a behavior audit request to the liability collection node;
in an embodiment of the application, the behavioral audit request is used to obtain the liability information from the liability collection node. The supervision audit node may be a node corresponding to a supervision audit authority, which may be an authority such as a national banking insurance supervision committee (insurance prison), a national banking supervision committee (silver prison), a market supervision, a pedestrian, and the like.
9. The supervision audit node receives the information of the behavior of the collection;
10. the supervision auditing node audits whether the information of the collecting behavior is compliant.
The supervision audit node can conduct log audit or behavior audit or other audit on the recovery behavior information.
In other possible implementations, extensible nodes may be added to the liability blockchain to meet business needs.
Fig. 7 shows a schematic diagram of a blockchain-based liability promotion system including an application layer 710, a blockchain service layer 720, and a node management layer 730, according to an embodiment of the present application.
The application layer 710 is used for providing functions of identity authentication, asset disposition, bill calling management and control, online certificate storage and the like.
The blockchain service layer 720 is configured to provide functions of short message ordering, certificate storage, address book ordering, message loss recording, evidence credibility verification, associated evidence tracing, operation behavior auditing, identity real-name authentication, and the like for the liability induction system. Optionally, the blockchain includes one or more blockchains, which may be a federated chain. The alliance chain refers to a blockchain requiring registration permission and is named as a permission chain (Permissioned Blockchain), the participation of alliance members is limited, the alliance scale can be between countries or between different institutions, and nodes on the alliance chain can adopt the same processing mode for the same service through a consensus process. The application is described with the liability collection system based on the construction of the alliance chain.
Node management layer 730 includes lending nodes, asset handling nodes, liability collection nodes, audit nodes, and the like.
Next, a method for collecting liability information will be described.
Fig. 8 is a flowchart of a liability collection method based on blockchain according to another embodiment of the present application. The method may comprise the steps of:
step 801, receiving a debt manifest of a target debt person sent by an asset handling node, the debt manifest of the target debt person generated by the asset handling node from a set of debt information stored in a debt blockchain.
Step 802, checking whether the debt list is legal.
Optionally, verifying whether the liability list is legal based on the first hash value and the second hash value; if the first hash value is the same as the second hash value, determining that the liability list is legal; the first hash value is generated by the lending node based on the debt list, and the second hash value is generated by the debt collecting node based on the debt list acquired by the debt collecting node.
Step 803, if the debt list is legal, executing the collection procedure for the target debtor.
In summary, in the technical solution provided in the embodiments of the present application, the liability list of the liability person is generated by the asset handling node according to the liability information set in the liability blockchain, and the liability collection node collects liability persons based on the liability list under the condition that the liability list is checked to be legal, so that the liability information of the same liability person in different lending institutions is associated, a data sharing channel between liability collection nodes is broken, and the collection efficiency is improved.
The following are examples of the apparatus of the present application that may be used to perform the method embodiments of the present application. For details not disclosed in the embodiments of the apparatus of the present application, please refer to the embodiments of the method of the present application.
Referring to fig. 9, a block diagram of a liability collection device based on blockchain according to an embodiment of the present application is shown. The device has the function of realizing the method example, and the function can be realized by hardware or can be realized by executing corresponding software by hardware. The apparatus 900 may include: a manifest receiving module 910, a manifest checking module 920, and a liability collection module 930.
The manifest receiving module 910 is configured to receive a debt manifest of a target debt person sent by an asset handling node, where the debt manifest of the target debt person is generated by the asset handling node according to a debt information set stored in a debt blockchain.
The list checking module 920 is configured to check whether the debt list is legal.
The liability collection module 930 is configured to execute a collection procedure for the target liability person if the liability list is legal.
In summary, in the technical solution provided in the embodiments of the present application, the liability list of the liability person is generated by the asset handling node according to the liability information set in the liability blockchain, and the liability collection node collects liability persons based on the liability list under the condition that the liability list is checked to be legal, so that the liability information of the same liability person in different lending institutions is associated, a data sharing channel between liability collection nodes is broken, and the collection efficiency is improved.
In an exemplary embodiment, the manifest verification module 920 is configured to:
comparing whether the first hash value and the second hash value are the same; wherein the first hash value is a hash value generated by the lending node based on the debt list, and the second hash value is a hash value generated by the liability collection node based on the debt list acquired by the liability collection node;
and if the first hash value is the same as the second hash value, determining that the liability list is legal.
It should be noted that, in the apparatus provided in the foregoing embodiment, when implementing the functions thereof, only the division of the foregoing functional modules is used as an example, in practical application, the foregoing functional allocation may be implemented by different functional modules, that is, the content structure of the device is divided into different functional modules, so as to implement all or part of the functions described above. In addition, the apparatus and the method embodiments provided in the foregoing embodiments belong to the same concept, and specific implementation processes of the apparatus and the method embodiments are detailed in the method embodiments and are not repeated herein.
Referring to fig. 10, a schematic structural diagram of a computer device according to an embodiment of the application is shown. The computer device is configured to implement the blockchain-based liability-promoting method provided in the above embodiments. Specifically, the present application relates to a method for manufacturing a semiconductor device.
The computer apparatus 1000 includes a Central Processing Unit (CPU) 1001, a system Memory 1004 including a RAM (Random Access Memory ) 1002 and a ROM (Read-Only Memory) 1003, and a system bus 1005 connecting the system Memory 1004 and the central processing unit 1001. The computer device 1000 also includes a basic Input/Output system (I/O) 1006, which helps to transfer information between various devices within the computer, and a mass storage device 1007 for storing an operating system 1013, application programs 1014, and other program modules 1015.
The basic input/output system 1006 includes a display 1008 for displaying information and an input device 1009, such as a mouse, keyboard, etc., for a user to input information. Wherein the display 1008 and the input device 1009 are connected to the central processing unit 1001 via an input output controller 1010 connected to a system bus 1005. The basic input/output system 1006 may also include an input/output controller 1010 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, the input output controller 1010 also provides output to a display screen, a printer, or other type of output device.
The mass storage device 1007 is connected to the central processing unit 1001 through a mass storage controller (not shown) connected to the system bus 1005. The mass storage device 1007 and its associated computer-readable media provide non-volatile storage for the computer device 1000. That is, the mass storage device 1007 may include a computer readable medium (not shown) such as a hard disk or CD-ROM (Compact Disc Read-Only Memory) drive.
The computer readable medium may include computer storage media and communication media without loss of generality. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM (Erasable Programmable Read-Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), flash Memory (Flash Memory) or other solid state Memory technology, CD-ROM, DVD (Digital Versatile Disc, digital versatile disk) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will recognize that the computer storage medium is not limited to the one described above. The system memory 1004 and mass storage devices 1007 described above may be collectively referred to as memory.
According to various embodiments of the application, the computer device 1000 may also operate by being connected to a remote computer on a network, such as the Internet. I.e., the computer device 1000 may be connected to the network 1012 through a network interface unit 1011 connected to the system bus 1005, or may be connected to other types of networks or remote computer systems (not shown) using the network interface unit 1011.
The memory also includes one or more programs stored in the memory and configured to be executed by the one or more processors. The one or more programs described above include instructions for implementing the methods described above.
In an exemplary embodiment, a computer device is provided that includes a processor and a memory having at least one instruction, at least one program, code set, or instruction set stored therein. The at least one instruction, at least one program, set of codes, or set of instructions are configured to be executed by one or more processors to implement the above-described methods.
In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one instruction, at least one program, set of codes, or set of instructions stored therein. The at least one instruction, at least one program, set of codes, or set of instructions are configured to be executed by one or more processors to implement the above-described methods.
In an exemplary embodiment, a computer readable storage medium is also provided, in which at least one instruction, at least one program, a set of codes or a set of instructions is stored, which when executed by a processor of a terminal, implements the above method.
Alternatively, the above-described computer-readable storage medium may be a ROM, random Access Memory (RAM), CD-ROM, magnetic tape, floppy disk, optical data storage device, or the like.
In an exemplary embodiment, a computer program product is also provided, which, when executed, is adapted to carry out the above-mentioned method.
It should be understood that references herein to "a plurality" are to two or more. "and/or", describes an association relationship of an association object, and indicates that there may be three relationships, for example, a and/or B, and may indicate: a exists alone, A and B exist together, and B exists alone. The character "/" generally indicates that the context-dependent object is an "or" relationship. In addition, the step numbers described herein are merely exemplary of one possible execution sequence among steps, and in some other embodiments, the steps may be executed out of the order of numbers, such as two differently numbered steps being executed simultaneously, or two differently numbered steps being executed in an order opposite to that shown, which is not limiting.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program for instructing relevant hardware, where the program may be stored in a computer readable storage medium, and the storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The foregoing description of the exemplary embodiments of the application is not intended to limit the application to the particular embodiments disclosed, but on the contrary, the intention is to cover all modifications, equivalents, and alternatives falling within the spirit and scope of the application.
Claims (10)
1. The liability collection method based on the blockchain is characterized by being applied to a liability collection system, wherein the liability collection system comprises a lending node, an asset disposal node, a liability collection node, a supervision audit node and a control node which are arranged based on the liability blockchain; the method comprises the following steps:
the lending node sends a debt information storage request to the control node, wherein the debt information storage request comprises debt information, the debt information comprises index information of a debt person and a debt list of the debt person, and the debt list refers to a overdue unreliaison lending list;
the control node checks whether the lending node has the storage authority according to a pre-stored node list with the storage authority;
if the lending node has the storage authority, the lending node stores the debt information into the debt blockchain;
the asset disposal node merges the debt information of the target debtor in different lending institutions based on the index information of the target debtor according to the debt information set stored in the debt blockchain, and generates a debt list of the target debtor; wherein the set of liability information includes liability information of the liability person in different lending institutions;
the asset handling node synchronizing a debt manifest of the target debtor to the debt-collection node;
the liability collection node checks whether the liability list of the target liability person is legal;
if the debt list of the target debtor is legal, the liability collection node executes a collection flow aiming at the target debtor;
the liability collection node stores collection behavior information generated in the collection process into the liability blockchain, wherein the collection behavior information is used for representing collection behaviors in the collection process;
the supervision audit node sends a behavior audit request to the liability collection node, wherein the behavior audit request is used for acquiring the collection urging behavior information from the liability collection node;
and after receiving the collecting behavior information, the supervision auditing node audits whether the collecting behavior information is compliant.
2. The method of claim 1, wherein the liability collection node verifying whether the liability list of the target liability person is legal comprises:
comparing whether the first hash value and the second hash value are the same; wherein the first hash value is a hash value generated by the lending node based on the debt list of the target debt person, and the second hash value is a hash value generated by the liability collection node based on the debt list acquired by the liability collection node;
and if the first hash value is the same as the second hash value, determining that the debt list of the target debtor is legal.
3. The method of claim 1, wherein the asset handling node synchronizing the debt manifest of the target debtor to the debt-collection node comprises:
the asset handling node synchronizing a debt manifest of the target debt to the debt-collection node based on a consensus mechanism;
or,
the asset handling node sends a debt list of the target debt to the liability-accelerating node when receiving a debt list acquisition request of the liability-accelerating node, wherein the debt list acquisition request is used for requesting to acquire the debt list of the target debt.
4. A method according to any one of claims 1 to 3, wherein the control node checking whether the lending node has storage rights based on a pre-stored list of nodes having storage rights, comprises:
if the lending node is in the node list, the control node determines that the lending node has storage permission;
or,
and if the lending node is not in the node list, the control node determines that the lending node does not have the storage authority.
5. A liability-promoting system based on blockchains, wherein the liability-promoting system comprises: lending nodes, asset handling nodes, liability collection nodes, supervision audit nodes and control nodes which are arranged based on liability blockchains;
the lending node is configured to send a debt information storage request to the control node, where the debt information storage request includes debt information, the debt information includes index information of a debt person and a debt list of the debt person, and the debt list refers to a overdue unreliability list;
the control node is used for checking whether the lending node has the storage authority according to a pre-stored node list with the storage authority;
the lending node is further configured to store the debt information into the debt blockchain when the lending node has the storage authority;
the asset handling node is configured to combine debt information of a target debtor in different lending institutions based on index information of the target debtor according to a debt information set stored in the debt blockchain, and generate a debt list of the target debtor; wherein the set of liability information includes liability information of the liability person in different lending institutions; synchronizing a debt manifest of the target debtor to the debt-accelerating node;
the liability collection node is used for checking whether the liability list of the target liability person is legal or not;
the liability collection node is further configured to execute a collection procedure for the target liability person if the liability list of the target liability person is legal;
the liability collection node is further configured to store collection behavior information generated in a collection process into the liability blockchain, where the collection behavior information is used to characterize collection behavior in the collection process;
the supervision audit node is used for sending a behavior audit request to the liability collection node, and the behavior audit request is used for acquiring the collection urging behavior information from the liability collection node;
and the supervision auditing node is used for auditing whether the collection behavior information is compliant or not after receiving the collection behavior information.
6. The system of claim 5, wherein the system further comprises a controller configured to control the controller,
the liability collection node is used for comparing whether the first hash value and the second hash value are the same; wherein the first hash value is a hash value generated by the lending node based on the debt list of the target debt person, and the second hash value is a hash value generated by the liability collection node based on the debt list acquired by the liability collection node; and determining that the debt list of the target debtor is legal under the condition that the first hash value and the second hash value are the same.
7. The system of claim 5, wherein the system further comprises a controller configured to control the controller,
the asset handling node for synchronizing a debt manifest of the target debtor to the debt-collection node based on a consensus mechanism;
or,
the asset handling node is configured to send, when receiving a debt list acquisition request of the debt collection node, a debt list of the target debt person to the debt collection node, where the debt list acquisition request is used to request acquisition of the debt list of the target debt person.
8. The system of any one of claim 5 to 7, wherein,
the control node is configured to determine that the lending node has a storage right if the lending node is in the node list;
or,
the control node is configured to determine that the lending node does not have a storage right if the lending node is not in the node list.
9. A computer device comprising a processor and a memory, wherein the memory has stored therein at least one program that is loaded and executed by the processor to implement the blockchain-based liability promotion method of any of claims 1 to 4.
10. A computer readable storage medium having stored therein at least one program loaded and executed by a processor to implement the blockchain-based liability enforcement method of any of claims 1 to 4.
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| CN111461856A (en) * | 2020-02-27 | 2020-07-28 | 杭州云象网络技术有限公司 | Outsourcing collection urging method based on block chain |
| CN111385751B (en) * | 2020-02-28 | 2021-09-14 | 腾讯科技（深圳）有限公司 | Information sending method, device, terminal and readable storage medium |
| CN111369164A (en) * | 2020-03-18 | 2020-07-03 | 黑龙江正泽信服务外包有限公司 | Block chain link point system for pushing overdue data of credit card |
| CN112001790A (en) * | 2020-08-24 | 2020-11-27 | 中国银行股份有限公司 | Block chain-based post-loan monitoring processing method and system and nodes |
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