CN110998641A - 基于智能合约的信贷网络 - Google Patents

基于智能合约的信贷网络 Download PDF

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Publication number
CN110998641A
CN110998641A CN201880047306.9A CN201880047306A CN110998641A CN 110998641 A CN110998641 A CN 110998641A CN 201880047306 A CN201880047306 A CN 201880047306A CN 110998641 A CN110998641 A CN 110998641A
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CN
China
Prior art keywords
credit
computing device
borrower
network
lender
Prior art date
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Pending
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CN201880047306.9A
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English (en)
Chinese (zh)
Inventor
S·塞拉诺
L·M·格鲁斯泽卡茨卡
D·加西亚
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Ripio International Special Economic Zone Co
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Ripio International Special Economic Zone Co
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Publication date
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Publication of CN110998641A publication Critical patent/CN110998641A/zh
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
CN201880047306.9A 2017-07-05 2018-07-05 基于智能合约的信贷网络 Pending CN110998641A (zh)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US201762528844P 2017-07-05 2017-07-05
US62/528,844 2017-07-05
PCT/US2018/040953 WO2019010331A1 (en) 2017-07-05 2018-07-05 CREDIT NETWORK BASED ON INTELLIGENT CONTRACT

Publications (1)

Publication Number Publication Date
CN110998641A true CN110998641A (zh) 2020-04-10

Family

ID=64950375

Family Applications (1)

Application Number Title Priority Date Filing Date
CN201880047306.9A Pending CN110998641A (zh) 2017-07-05 2018-07-05 基于智能合约的信贷网络

Country Status (10)

Country Link
US (1) US20200184553A1 (https=)
EP (1) EP3649609A4 (https=)
JP (1) JP7252951B2 (https=)
KR (1) KR102667257B1 (https=)
CN (1) CN110998641A (https=)
BR (1) BR112020000043A2 (https=)
CL (1) CL2020000012A1 (https=)
CO (1) CO2020000009A2 (https=)
PE (1) PE20200657A1 (https=)
WO (1) WO2019010331A1 (https=)

Cited By (6)

* Cited by examiner, † Cited by third party
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CN111667371A (zh) * 2020-06-30 2020-09-15 腾讯科技（深圳）有限公司 基于区块链的资源聚合方法、系统、设备及存储介质
CN112308700A (zh) * 2020-10-22 2021-02-02 北京通付盾人工智能技术有限公司 企业征信数据的处理方法、装置、计算机设备和存储介质
CN112651735A (zh) * 2020-12-10 2021-04-13 前海飞算科技(深圳)有限公司 支付渠道的选择方法、装置、计算机设备及存储介质
CN113221989A (zh) * 2021-04-30 2021-08-06 浙江网商银行股份有限公司 基于分布式的评估模型训练方法、系统以及装置
CN113554510A (zh) * 2021-08-05 2021-10-26 百维金科(上海)信息科技有限公司 一种贷款用户违约实时监控系统
CN116645197A (zh) * 2023-06-05 2023-08-25 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法

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WO2019092725A1 (en) * 2017-11-13 2019-05-16 Newglobes Ltd. Novel means and methods for implementation of secure transactions.
US11475419B2 (en) * 2018-04-30 2022-10-18 Robert Dale Beadles Universal subscription and cryptocurrency payment management platforms and methods of use
CA3061594A1 (en) * 2018-11-14 2020-05-14 Royal Bank Of Canada System and method for cross-border blockchain platform
RU2019100558A (ru) * 2019-01-14 2020-07-15 Дмитрий Владимирович Вихорев Способ и система для обеспечения кредитной сделки между владельцем криптокошелька и кредитным банком
US20200265511A1 (en) * 2019-02-19 2020-08-20 Adp, Llc Micro-Loan System
DE102019005116A1 (de) * 2019-07-23 2021-01-28 Daimler Ag Verfahren zum Handeln von Kryptowährungen
CN110555593B (zh) * 2019-07-31 2023-03-07 创新先进技术有限公司 信用合约体系下的发约处理方法以及装置
US11636094B2 (en) 2019-10-16 2023-04-25 International Business Machines Corporation Chaincode recommendation based on existing chaincode
US20210133874A1 (en) 2019-11-04 2021-05-06 Tellus App, Inc. Architecture for exchange, publication, and distributed investment of property-backed vehicles
US20210398091A1 (en) 2020-06-22 2021-12-23 TraDove, Inc. Systems and methods for streamlining credit and/or debit card transactions utilizing blockchain supported credit tokens and/or debit tokens
US20230043702A1 (en) * 2020-07-27 2023-02-09 New York Digital Investment Group Multi-modal routing engine and processing architecture for currency orchestration of transactions
JP7574014B2 (ja) * 2020-08-06 2024-10-28 株式会社デジタルアセットマーケッツ 情報システム、情報処理装置、情報処理方法、およびプログラム
CN112561624B (zh) * 2020-11-06 2024-01-05 国网安徽省电力有限公司信息通信分公司 一种基于区块链的多维度因子的动态信用评价方法及系统
CN112651731A (zh) * 2020-12-30 2021-04-13 南方电网数字电网研究院有限公司 资源转移方法、装置、计算机设备和存储介质
EP4099246A1 (en) * 2021-05-31 2022-12-07 Billon Sp. z o.o. A system and method for trading cryptocurrencies, tokenized assets and/or fiat currencies on a single distributed ledger system with multiple issuing institutions
CN113538122A (zh) * 2021-07-22 2021-10-22 上海盛付通电子支付服务有限公司 一种用于借用资源的方法、设备、介质及程序产品
CN113744041B (zh) * 2021-08-04 2024-05-10 南方电网科学研究院有限责任公司 一种智能合约信贷撮合方法、系统、计算机设备和介质
CN113628052B (zh) * 2021-08-18 2025-01-03 杭州云象网络技术有限公司 基于预言机的区块链资产与合约处理方法、系统及装置
US12400218B2 (en) * 2021-09-14 2025-08-26 Credit.Com Holdings, Llc Non-fungible tokenized contract embedded in a blockchain
US20250209140A1 (en) * 2022-03-21 2025-06-26 Mark Aleksandrovich NECHAEV Blockchain technology based ownership distribution method and system
CN117350718B (zh) * 2022-10-17 2024-08-27 刘文皓 一种数字人民币履约系统及方法

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US7315841B1 (en) 1998-07-22 2008-01-01 Sourcetec, Inc. Mortgage loan and financial services data processing system
JP2009193100A (ja) 2008-02-12 2009-08-27 Nec Corp オークションシステム、オークション管理システム、オークション管理方法、プログラム、及び記録媒体
JP2010231664A (ja) * 2009-03-27 2010-10-14 Promise Co Ltd 個人間融資仲介システム及びコンピュータプログラム
US8700522B2 (en) * 2009-10-30 2014-04-15 Accenture Global Services Limited Loan portfolio management tool
JP2011170551A (ja) 2010-02-17 2011-09-01 Auto Friend:Kk 与信システム
US20160335628A1 (en) * 2014-05-15 2016-11-17 Adam Mark Weigold System and method for digital currency storage, payment and credit
US20170011460A1 (en) * 2015-07-09 2017-01-12 Ouisa, LLC Systems and methods for trading, clearing and settling securities transactions using blockchain technology
US20170024813A1 (en) * 2015-07-22 2017-01-26 MB Technology Partners Ltd. System and Method for Provisioning Financial Transaction Between a Lender and a Borrower

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111667371A (zh) * 2020-06-30 2020-09-15 腾讯科技（深圳）有限公司 基于区块链的资源聚合方法、系统、设备及存储介质
CN112308700A (zh) * 2020-10-22 2021-02-02 北京通付盾人工智能技术有限公司 企业征信数据的处理方法、装置、计算机设备和存储介质
CN112651735A (zh) * 2020-12-10 2021-04-13 前海飞算科技(深圳)有限公司 支付渠道的选择方法、装置、计算机设备及存储介质
CN113221989A (zh) * 2021-04-30 2021-08-06 浙江网商银行股份有限公司 基于分布式的评估模型训练方法、系统以及装置
CN113554510A (zh) * 2021-08-05 2021-10-26 百维金科(上海)信息科技有限公司 一种贷款用户违约实时监控系统
CN116645197A (zh) * 2023-06-05 2023-08-25 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法
CN116645197B (zh) * 2023-06-05 2023-11-03 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法

Also Published As

Publication number Publication date
KR102667257B1 (ko) 2024-05-21
EP3649609A1 (en) 2020-05-13
BR112020000043A2 (pt) 2020-09-29
WO2019010331A1 (en) 2019-01-10
JP7252951B2 (ja) 2023-04-05
JP2020528631A (ja) 2020-09-24
KR20200016389A (ko) 2020-02-14
CO2020000009A2 (es) 2020-04-24
CL2020000012A1 (es) 2020-08-14
EP3649609A4 (en) 2020-11-04
US20200184553A1 (en) 2020-06-11
PE20200657A1 (es) 2020-06-11

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