CN111640002A - Block chain-based mortgage loan method and device - Google Patents
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Abstract
One or more embodiments of the present specification provide a mortgage loan method and apparatus based on a block chain storing existing warehousing states of target goods transmitted by a warehousing party and warehoused by a loan application party at the warehousing party; the method comprises the following steps: in response to a mortgage loan application for a target good sent by a loan application party, a loan service party allocates to the loan application party a credit line available based on a mortgage of the target good based on an existing warehousing status of the target good acquired from the blockchain; and sending the credit line to the block chain; so that a loan applicant can apply for withdrawal or repayment on the block chain based on the available amount which is stored on the block chain and corresponds to the credit line; and the fund provider can autonomously perform loan and flow reconciliation by using an intelligent contract based on the withdrawal or repayment record on the block chain.
Description
Technical Field
The specification relates to the technical field of data processing, in particular to a method and a device for mortgage loan based on a block chain.
Background
In the existing escort type joint loan, the inventory data of the pledge is generated by a warehouse operator, but is usually provided to a fund provider by a pledge loan service organization, and the pledge loan service organization plays a role of a loan aid organization by virtue of the pledge loan wind control capability, needs to make a bottom for pledge assets, and therefore needs to bear risks such as fraud, goods loss and goods inconsistency of the warehouse operator, and cannot prove that the inventory data provided by the pledge is not tampered.
The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.
Disclosure of Invention
In view of the above, one or more embodiments of the present disclosure provide a blockchain-based mortgage method, apparatus, computer device, and computer-readable storage medium.
To achieve the above objects, one or more embodiments of the present specification provide a mortgage loan method based on a block chain including a warehousing party node and a loan service party node; the block chain stores the existing warehousing state of the target goods which are sent by the warehousing party and warehoused by the loan application party at the warehousing party; the method is executed by a loan server and comprises the following steps:
obtaining an existing warehousing status of the target good from the blockchain in response to a mortgage loan application for the target good sent by the loan applicant;
allocating to the loan applicant, based on the existing warehousing status of the target good, a credit line available based on a mortgage of the target good;
and sending the credit line to the block chain.
In another embodiment, the block chain further includes a node device for a fund provider, and after the fund provider verifies the credit line, the credit line confirms that the transaction is confirmed in the block chain based on the credit line sent by the fund provider.
In yet another illustrated embodiment, the status database of the blockchain stores available lines for loan extraction based on the credit line; the blockchain is deployed with intelligent contracts for loan management, the method further comprising:
acquiring the existing warehousing state of the target goods from the blockchain in response to a withdrawal application initiated by the loan application party;
verifying whether the existing warehousing state of the target goods is matched with the credit line;
if so, sending a target withdrawal transaction to the blockchain, wherein the target withdrawal transaction comprises the withdrawal amount applied by the loan applicant,
calling the intelligent contract, executing available limit change logic declared by the intelligent contract, and deducting the withdrawal amount from the available limit stored in the block chain state database so as to update the available limit.
In another illustrated embodiment, the method further comprises:
sending a target repayment transaction to the blockchain in response to the repayment confirmation sent by the loan applicant, wherein the target repayment transaction comprises a repayment amount indicated by the repayment confirmation;
calling the intelligent contract, executing available limit change logic declared by the intelligent contract, and increasing the payoff amount in the available limit stored in the block chain state database so as to update the available limit.
In yet another illustrative embodiment, the smart contract further declares loan reconciliation logic, the method further comprising:
responding to a running reconciliation transaction which is sent by the fund provider and is constructed based on the actual withdrawal or repayment running water of the loan applicant in a preset time length, calling the intelligent contract, executing the loan reconciliation logic, acquiring the target withdrawal transaction or the target repayment transaction which triggers the available amount change logic in the preset time length, checking whether the loan running list transaction is matched with the acquired target withdrawal transaction or target repayment transaction, and storing the checking result in the block chain.
In another embodiment, the existing warehouse status of the target goods is sent to the blockchain by the warehousing party every preset time period, or the existing warehouse status of the target goods is sent to the blockchain by the warehousing party in real time based on the warehousing change of the target goods.
In another illustrated embodiment, the block chain further includes an inventory node that performs inventory on actual warehousing of the target goods, and the block chain further stores an inventory status corresponding to an existing warehousing status of the target goods, which is sent by the inventory node.
Correspondingly, the specification also provides a mortgage loan device based on a block chain, wherein the block chain comprises a warehousing party node and a loan service party node; the block chain stores the existing warehousing state of the target goods which are sent by the warehousing party and warehoused by the loan application party at the warehousing party; the device is applied to the loan server and comprises:
an acquisition unit, which responds to a mortgage loan application for the target goods sent by the loan application party, and acquires the existing warehousing state of the target goods from the block chain;
a credit granting unit for allocating credit lines available based on the mortgage of the target goods to the loan application party based on the existing warehousing state of the target goods;
and the sending unit is used for sending the credit line to the block chain.
In another embodiment, the block chain further includes a node device for a fund provider, and after the fund provider verifies the credit line, the credit line confirms that the transaction is confirmed in the block chain based on the credit line sent by the fund provider.
In yet another illustrated embodiment, the status database of the blockchain stores available lines for loan extraction based on the credit line; the block chain deploys intelligent contracts for loan management;
the obtaining unit is further used for obtaining the existing warehousing state of the target goods from the block chain in response to a withdrawal application initiated by the loan application party;
the device also comprises a verification unit for verifying whether the existing warehousing state of the target goods is matched with the credit line;
the sending unit is further used for sending a target withdrawal transaction to the blockchain, wherein the target withdrawal transaction comprises the withdrawal amount applied by the loan application party,
the device also comprises an intelligent contract execution unit which calls the intelligent contract, executes available amount change logic declared by the intelligent contract and deducts the withdrawal amount from the available amount stored in the block chain state database so as to update the available amount.
In yet another illustrated embodiment, the sending unit is further configured to send a target repayment transaction to the blockchain in response to a repayment confirmation sent by the loan applicant, wherein the target repayment transaction includes a repayment amount indicated by the repayment confirmation;
the intelligent contract execution unit is further used for calling the intelligent contract, executing available quota change logic declared by the intelligent contract, and increasing the payoff amount in the available quota stored in the block chain state database so as to update the available quota.
In yet another illustrative embodiment, the intelligent contract further declares loan reconciliation logic, and the intelligent contract execution unit is further configured to:
responding to a running reconciliation transaction which is sent by the fund provider and is constructed based on the actual withdrawal or repayment running water of the loan applicant in a preset time length, calling the intelligent contract, executing the loan reconciliation logic, acquiring the target withdrawal transaction or the target repayment transaction which triggers the available amount change logic in the preset time length, checking whether the loan running list transaction is matched with the acquired target withdrawal transaction or target repayment transaction, and storing the checking result in the block chain.
Accordingly, this specification also provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; and when the processor runs the computer program, executing the block chain-based mortgage method executed by the loan service side node.
Accordingly, the present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the block chain-based mortgage method performed by the loan servicing node.
According to the technical scheme, the loan service party can check and calculate the loan credit line for the loan application party based on the existing storage state of the target goods sent by the storage party on the block chain, and the property bottom risk borne by the loan service party for the storage state of the target goods due to storage party fraud or goods storage information error is effectively prevented based on the anti-tampering mechanism of the block chain.
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Fig. 1 is a flowchart of a blockchain-based mortgage method provided in an exemplary embodiment of the present disclosure;
fig. 2 is a schematic diagram of a block chain-based mortgage apparatus applied to a loan service provider according to an exemplary embodiment of the present description;
fig. 3 is a hardware block diagram for operating an embodiment of the mortgage apparatus provided herein.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the methods may include more or less steps than those described herein. Moreover, a single step described in this specification may be divided into multiple steps for description in other embodiments; however, in other embodiments, multiple steps described in this specification may be combined into a single step for description.
The block chain network according to one or more embodiments of the present disclosure may specifically refer to a P2P network system having a distributed data storage structure, where each node device achieves data sharing via a common knowledge mechanism, and data in the block chain is distributed in temporally consecutive "blocks" (where a latter block contains a data digest of a former block), and full backup of data of all or part of nodes is achieved according to different common knowledge mechanisms (such as POW, POS, DPOS, PBFT, or the like). As is well known to those skilled in the art, since the blockchain network system operates under a corresponding consensus mechanism, data that has been included in the blockchain database is difficult to be tampered with by any node, for example, a blockchain with Pow consensus is adopted, and it is possible to tamper with existing data only by an attack that requires at least 51% of effort on the whole network, so the blockchain network system has a characteristic of ensuring data security and anti-attack tampering, which is incomparable with other centralized database systems. Therefore, the data recorded in the distributed database of the blockchain cannot be attacked or tampered, and the authenticity and reliability of the data information of the distributed database of the blockchain are guaranteed.
Example types of blockchain networks may include public blockchain networks, private blockchain networks, and federation blockchain networks. Although the term blockchain is typically associated with bitcoin cryptocurrency networks, blockchains as used herein may refer to DLS (distributed ledger system) that do not reference any particular use case.
In a public blockchain network, the consensus process is controlled by nodes of the consensus network. For example, hundreds, thousands, or even millions of entities may cooperate in a public blockchain network, each entity operating at least one node in the public blockchain network. Thus, a public blockchain network may be considered a public network with respect to participating entities. Example public blockchain networks include bitcoin networks, which are peer-to-peer payment networks. Bitcoin networks utilize a distributed ledger, called blockchains. However, as noted above, the term blockchain is generally used to refer to distributed ledgers that do not specifically refer to bitcoin networks.
Typically, public blockchain networks support public transactions. The public transaction is shared with all nodes within the public blockchain network and stored in the global blockchain. A global blockchain is a chain of blocks that is replicated across all nodes. That is, for a global blockchain, all nodes are in a completely consistent state. To achieve consensus (e.g., agree to add blocks to a blockchain), a consensus protocol is implemented within a public blockchain network. Example consensus protocols include, but are not limited to, proof of work (POW) implemented in bitcoin networks.
Typically, a private blockchain network is provided for a specific entity that centrally controls the reading and logging rights. The entity controls which nodes can participate in the blockchain network. Thus, private blockchain networks are often referred to as licensed networks, which impose restrictions on who is allowed to participate in the network and its level of participation (e.g., only in certain transactions). Various types of access control mechanisms may be used (e.g., existing participants vote to add a new entity, and regulatory authorities may control admission).
Typically, a federated blockchain network is private among the participating entities. In a federated blockchain network, the consensus process is controlled by an authorized set of nodes (federation member nodes), one or more of which are operated by respective entities (e.g., enterprises). For example, a federation consisting of ten (10) entities (e.g., enterprises) may operate a federated blockchain network in which each entity operates at least one node. Thus, a federated blockchain network may be considered a private network in terms of participating entities. In some examples, each entity (node) must sign each block to validate the block and add the validated block to the blockchain. In some examples, at least a subset of the entities (nodes) (e.g., at least 7 entities) must sign each block to validate the block and add the validated block to the blockchain.
It is contemplated that embodiments provided herein can be implemented in any suitable type of blockchain network system, and that the above "suitable type" is not limited to public, federated, or private chains as defined above.
A node (or node device) according to one or more embodiments of the present specification refers to a node that can join the blockchain as the blockchain by executing installation of a node protocol program following a corresponding node protocol. The nodes described in the embodiments of the present specification may include a full node storing the full amount of data on the block chain, and may include a light node storing part of data (e.g., block header data) on the block chain.
The real data generated by the physical world can be constructed into a standard transaction (transaction) format supported by a block chain, then is issued to the block chain, the node equipment in the block chain performs consensus processing on the received transaction, and after the consensus is achieved, the node equipment serving as an accounting node in the block chain packs the transaction into a block and performs persistent evidence storage in the block chain.
The mortgage described in the embodiments of the present specification refers to a financial transaction in which a loan applicant applies for a loan to a fund provider with the goods stored in a warehouse of the warehouse as a pledge or a mortgage. In the above mortgage loan business, a loan service organization is often needed to assist a loan applicant to prepare loan application data and to connect a fund provider, and the loan service organization can also provide wind control and credit for the loan behavior of the loan applicant so as to facilitate the fund provider to check and approve the credit provided by the loan service organization.
It is understood that the loan servicing institution may be referred to as a loan service party as described herein; for scenarios where the loan servicing institution is not present and the loan applicant provides the loan on the loan directly to the fund provider, those skilled in the art will appreciate that in some embodiments, the fund provider may act as the loan servicing party as described herein, with the fund provider assuming the role of the loan servicing party as described herein.
In the mortgage loan scene, a fund provider needs to trust a mortgage loan service mechanism as a premise, namely the fund provider needs to trust the mortgage loan service mechanism to provide inventory data which is real and is not tampered; the mortgage loan service organization needs to hold the bottom of the mortgage assets and undertake larger risks. The loan settlement service institution and the fund provider are in charge of loan withdrawal or repayment of the borrower, the difference is usually subject to the fund provider, and the account difference caused by non-standard operation of personnel is difficult to avoid, which may cause certain loss to the loan settlement service institution.
In view of the above, in one embodiment shown in the present specification, a mortgage loan method based on a block chain storing existing warehousing states of target goods sent by a warehousing party and warehoused by a loan application party at the warehousing party is provided. The warehousing party operates or manages the target goods of the loan application party, and the existing warehousing state of the target goods can be obtained.
The target goods described in the embodiments of the present specification may include a real or dynamic property goods resource having a physical form, and may also include a virtual goods resource (such as virtual currency or data resource) having no physical form; accordingly, the warehousing party may include an operator for storing the real estate goods or managing the real estate goods, and may further include an operator for storing the virtual goods resources, which is not limited in this specification.
Accordingly, the warehousing state of the target goods may include parameters such as warehousing type, quantity, value and the like of the target goods, and may further include other parameters that may affect the value of the target goods, such as temperature and humidity of the storage environment, expiration date and the like.
Fig. 1 is a diagram of an embodiment of a blockchain-based mortgage. In this mortgage scenario, the warehousing party, the loan server or the fund provider described in this specification may include not only the node device of the warehousing party, the loan server or the fund provider in the blockchain network system, but also a service device that is provided by the warehousing party, the loan server or the fund provider and supports the mortgage loan service. The node device and the service device may be located in the same computer device, or may be located in different computer devices, which is not limited in this specification.
The warehousing party, the loan server or the fund provider can construct a transaction on a blockchain client (or a blockchain preposition) carried by the service equipment, and send the constructed transaction to a blockchain node connected with the client (or the blockchain preposition), so that the transaction is broadcasted, verified and identified in a blockchain network, and the execution result of the transaction is stored in the blockchain.
As shown in fig. 1, the mortgage method according to the present embodiment includes:
and 102, the warehousing party sends warehousing state updating transactions of the target goods to the block chain so as to update the existing warehousing state of the target goods on the block chain.
In an illustrated embodiment, in order to ensure that the existing warehousing state of the target goods stored on the blockchain can reflect the real warehousing state of the target goods in time, the warehousing party may send the warehousing deposit certificate transaction of the target goods to the blockchain at regular intervals of a preset time length, or the warehousing party may send the warehousing deposit certificate transaction of the target goods to the blockchain in real time based on the warehousing change of the target goods, so as to store the existing warehousing state of the target goods included in the warehousing deposit certificate transaction on the blockchain at regular time or in real time.
After the warehousing evidence transaction is identified and verified by the node consensus of the blockchain, the warehousing evidence transaction can be recorded in the distributed ledger of the blockchain. In yet another illustrative embodiment, the distributed database of the blockchain further supports a "world state" of transaction data, and after the warehouse approval transaction is verified by the node consensus of the blockchain, the existing warehouse state data of the target goods included in the warehouse approval transaction is included or updated in the state database of each node of the blockchain, except for being included in the distributed book of the blockchain.
In yet another embodiment, the warehousing party may further send a warehousing status update transaction of the target goods to the blockchain in response to a request from the loan server or the fund provider when the loan server or the fund provider needs to review the existing warehousing status of the target goods, so that the loan server or the fund provider can obtain the existing warehousing status of the target goods from the blockchain.
The loan servicing party includes an institution that provides services for lending activities occurring between the loan applicant and the fund provider, including, but not limited to, receiving a mortgage loan application from the loan applicant, and performing credit line calculations for the loan applicant based on the target goods that the loan applicant has mortgage, so that the fund provider can approve based on the credit line provided by the loan servicing party. The loan facilitator generally has a high credit quality to act as a loan service broker for the loan applicant and the fund provider, and to contribute a wind-controlled review capability to the fund provider for credit line calculation.
In this embodiment, since the credit line allocated by the loan service party to the loan application party is calculated based on the existing warehousing status of the target goods sent by the block chain of warehousing directions, based on the tamper-proof mechanism of the block chain, the loan service party does not need to carry out bottom entry for the real reliability of the existing warehousing status of the target goods, thereby avoiding the misalignment of the credit line due to the error of the existing warehousing status information of the target goods, and further preventing the credit loss risk of the loan service party and the loan risk of the fund provider.
As described above, the fund provider itself may also be the loan service party according to one or more embodiments of the present specification, and directly receive the mortgage loan application of the loan applicant and perform the credit line calculation, all of which are within the scope of the loan service party described in the present specification. For example, when the fund provider is a banking institution, the banking institution may directly receive a loan application of the loan applicant as the loan server, and perform a credit line calculation for the loan applicant based on the existing warehousing status of the target goods acquired from the block chain.
In another embodiment, in order to further prevent the risk that the existing warehouse status of the target goods sent to the block chain by the warehouse is not matched with the actually stored target goods, the block chain may further include an inventory node device for performing inventory on the actual warehouse of the target goods, and the inventory node device may perform inventory on the actual warehouse of the target goods by the inventory node device through application or instruction of a fund provider, and send the inventory status corresponding to the existing warehouse status of the target goods by the inventory node chain for reference and comparison by a loan provider or a fund provider in credit line calculation or approval of the mortgage loan.
And step 108, the loan service party sends the credit line to the block chain.
The credit limit may be stored in an account database (block) of the block chain. In still another embodiment, the credit line amount transmitted from the loan servicing party may be stored in a status database of the block chain after being identified and verified by the node device of the block chain, and the status database may further store a credit status of the credit line amount in association with the credit status. The credit granting state may include "apply", "confirm pass", "fail", "validate", "fail", and the like, and a person skilled in the art may design a related credit granting state for the credit granting amount based on an actual business requirement or business process, which is not limited in this specification.
The credit line accrued by the loan servicing party may require further confirmation by the fund provider, and therefore, in another illustrative embodiment, the block chain further comprises node equipment for the fund provider, and the block chain-based mortgage method further comprises:
and step 110, after the fund provider verifies the credit line, the fund provider sends a credit line confirmation transaction to the block chain so as to confirm the credit line in the block chain.
For example, the fund provider node device may send a credit line confirmation transaction to the block chain, and after the credit line confirmation transaction is executed by the node device of the block chain, the credit line changes the credit state corresponding to the block chain to a "confirmation passing" state.
In a specific mortgage loan business process, after a fund provider confirms the credit granting amount of a loan applicant, the loan applicant can be informed to sign a loan contract, so as to carry out withdrawal and repayment operations based on the interest rate, the amount or the time limit agreed by the loan contract in the subsequent business process. After the signing is completed, the fund provider can initiate a credit line validation notification uplink request, and the credit state corresponding to the credit line is updated to be in a validation state on the link.
In still another embodiment, an intelligent contract for loan management is placed on the blockchain, and the process of storing the credit line amount and creating or changing the credit state corresponding to the credit line amount may be performed by calling the intelligent contract. For example, the transaction including the credit line sent by the loan servicing party to the block chain in step 108 is used to invoke the intelligent contract in the node device of the block chain, execute the credit line creation logic declared by the intelligent contract, create and store the credit line in the state database of the block chain, or create and store the credit state corresponding to the credit line. Correspondingly, the fund provider in the step 110 sends a credit line confirmation transaction to the block chain to call the intelligent contract, execute the credit line confirmation logic declared by the intelligent contract, and confirm the credit line as an effective state.
It should be noted that when the fund provider acts as the loan server, receives the loan application of the loan applicant directly from the fund provider, and accounts the credit line for the loan applicant based on the target goods, the step of confirming the credit line on the block chain by the fund provider in step 110 may be omitted, because the credit line sent on the block chain by the fund provider may be the confirmed credit line in step 108.
Through the block chain-based mortgage method described in steps 102-110, the credit line available to the loan applicant based on the target cargo mortgage can be stored on the block chain. The loan applicant can apply for business operations such as loan extraction or loan return to the fund provider based on the credit line. In order to further ensure the transparency and convenience of the mortgage loan business process, the loan extraction and return business process can be executed by calling the intelligent contract for loan management on a block chain.
In particular, the intelligent contract for loan management may be a loan contract signed by the loan applicant with a chain of fund providers, and withdrawal, repayment, etc. may be performed on the chain of blocks based on conditions such as interest rate, amount, or time limit agreed by the loan contract.
In another embodiment, the status database of the block chain further stores an available credit line for loan extraction based on the credit line. The available credit line may be issued by the loan server or the fund provider after the fund provider confirms the credit line in the block chain, or may be issued together with the credit line when the credit line is sent in the block chain of the loan server. Those skilled in the art can design specific issuing timing for the uplink of the available credit line based on specific business requirements, which is not limited in the specification.
The loan application party withdrawal process may be as follows:
in response to the loan application initiated by the loan application party, the loan servicing party obtains the existing warehousing status of the target good from the blockchain, step 112.
If the existing warehousing status of the target goods of the loan applicant does not match the existing warehousing status based on which the loan service party calculated the credit line, especially if the number of the target goods becomes small or the value becomes small, financial risk is brought to the fund provider if the loan applicant is paid based on the original credit line. Therefore, before sending the target withdrawal transaction to the blockchain, the loan servicing party may check whether the existing warehousing status of the target goods stored on the blockchain matches the effective credit line on the blockchain, that is, whether the existing warehousing status of the target goods stored on the blockchain is not less than the warehousing status based on the credit.
In order to further ensure that the existing warehousing state of the target goods stored on the block chain can truly reflect the warehousing state of the target goods at the warehousing party, after receiving the withdrawal application of the loan application party, the loan service party can send an existing warehousing state query request of the target goods to the warehousing party or the checking party, so that the warehousing party or the checking party can check the existing warehousing state of the target goods in time and update the checked existing warehousing state of the target goods to the block chain.
And 116, if so, the loan service side sends a target withdrawal transaction to the block chain, wherein the target withdrawal transaction comprises the withdrawal amount applied by the loan application side.
The loan service sends the target withdrawal transaction to the block chain, so that after the target withdrawal transaction is identified and verified by the nodes of the block chain, the target withdrawal transaction is executed on the EVM virtual machine of the nodes of the block chain, the intelligent contract for loan management is called, the available amount change logic stated by the intelligent contract is executed, the withdrawal amount is deducted from the available amount stored in the block chain state database, and the available amount is updated in the state database of the block chain. When the fund provider node completes the update of the available amount on the chain, loan funds corresponding to the withdrawal amount can be issued to the fund account of the loan applicant under the chain.
In another embodiment, the intelligent contract may further provide a withdrawal approval confirmation logic for the fund provider, so that the party performs the available credit change logic after the target withdrawal transaction is approved by the fund provider.
Specifically, after obtaining the target withdrawal transaction, the fund provider may perform an internal withdrawal approval process based on the target withdrawal transaction, and after approval is passed, send the target withdrawal approval transaction to the blockchain, where the target withdrawal approval transaction is used to invoke a withdrawal approval confirmation logic of the intelligent contract statement, and after confirmation is performed, continue to trigger a change logic of the intelligent contract statement on the available amount, so as to deduct the withdrawal amount from the available amount stored in the blockchain state database, so as to update the available amount.
The loan applicant's repayment process may be as follows:
and step 120, responding to the repayment certificate sent by the loan application party, sending a target repayment transaction to the block chain by the loan service party, wherein the target repayment transaction comprises a repayment amount indicated by the repayment certificate.
The repayment proof may be a transfer or remittance certificate executed by the loan applicant from the down-link fund account to the fund account of the fund provider, and after the down-link repayment is completed, the loan applicant may provide the repayment proof to the loan service party to restore an available amount corresponding to the repayment amount on the block chain.
Similarly, in another illustrated embodiment, the intelligent contract may further provide a repayment approval confirmation logic for the fund provider, so that the party performs the available amount change logic after the target repayment transaction is approved by the fund provider (for example, the fund provider confirms that the fund corresponding to the repayment amount returned by the loan applicant is received).
Specifically, after obtaining the target repayment transaction, the fund provider may perform a repayment confirmation process based on the target repayment transaction, and after confirming that the repayment is received, send the target repayment confirmation transaction to the blockchain, where the target repayment confirmation transaction is used to invoke the repayment confirmation logic of the intelligent contract statement, and after performing the confirmation, continue to trigger the change logic of the available amount of the intelligent contract statement, so as to add the repayment amount to the available amount stored in the blockchain state database, so as to update the available amount.
Through the mortgage loan method described in steps 112 to 122, the loan applicant is conveniently and quickly certified for withdrawal or repayment by a block chain by means of an intelligent contract on the block chain, and the available credit line state of the loan applicant is correspondingly updated, so as to conveniently and quickly manage the mortgage loan credit line of the loan applicant.
In existing mortgage loan transactions involving a loan facilitator, the fund provider often needs to periodically check accounts, e.g., daily end-of-day account checking, with the loan facilitator for the running of loans or repayment of one or more loan applications based on business needs. In the existing reconciliation process, once a reconciliation difference occurs, the loan or repayment of a fund provider is generally subject to running, so that the loss is easily caused to a loan service party.
In another embodiment provided herein, the intelligent contract further declares loan reconciliation logic, and the reconciliation process may include the steps of:
and step 124, the fund provider sends the running reconciliation transaction constructed based on the actual withdrawal or repayment running water of the loan applicant within a preset time length to the block chain. The predetermined duration may also include a predetermined period (e.g., daily) and may also include a specific duration set by the funds provider. The running reconciliation transaction can comprise a specific time node corresponding to the preset duration and the drawing or repayment running.
In this embodiment, the loan reconciliation logic may be used for performing a withdrawal running reconciliation, a repayment running reconciliation, and a withdrawal and repayment running comprehensive reconciliation, which is not limited in this specification.
The specification also does not limit the specific content of the loan reconciliation logic, for example, the intelligent contract may query all target withdrawal transactions or target repayment transactions triggering available amount change on the same day according to the application date included in the running reconciliation transactions, and count the total number of the target withdrawal transactions or the target repayment transactions, accumulate the total amount, and compare the total number of the withdrawal transactions, the total amount or the repayment total number of the target withdrawal transactions or the target repayment transactions with the total number of the withdrawal transactions, the total amount or the repayment total number of the repayment transactions and the total amount in the running reconciliation transactions; the intelligent contract can also analyze each flow detail contained in the flow reconciliation transaction, whether the flow detail corresponds to the target withdrawal transaction or the target repayment transaction which triggers the available limit change logic within the preset time length, and check information such as a user name, a withdrawal amount or a repayment amount and the like of each withdrawal or repayment.
Because the target withdrawal transaction or the target repayment transaction of the available amount change logic is triggered within the preset time length and the effective withdrawal or repayment operation of the available amount change can be correspondingly triggered, the target withdrawal transaction or the target repayment transaction of the available amount change logic is triggered within the preset time length based on a tamper-proof mechanism of the block chain, a real and untampered reconciliation reference is provided for the running reconciliation of a fund provider, the reconciliation process does not need to trust the main credit of a loan service party but trusts the data in the block chain, and therefore the credit or fund loss of the loan service party caused by the non-compliance of the loan reconciliation is avoided.
In correspondence with the above flow implementation, the embodiment of the present specification further provides a block chain-based mortgage apparatus 20. The apparatus 20 may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 3.
As shown in fig. 2, the present specification further provides a mortgage apparatus 20 based on a block chain including a warehousing party node and a loan servicing party node; the block chain stores the existing warehousing state of the target goods which are sent by the warehousing party and warehoused by the loan application party at the warehousing party; the device 20 is applied to the loan service party and comprises:
an obtaining unit 202, configured to obtain an existing warehousing state of the target good from the block chain in response to a mortgage loan application for the target good sent by the loan application party;
a credit granting unit 204 for allocating credit lines available based on the mortgage of the target goods to the loan application party based on the existing warehousing status of the target goods;
the sending unit 206 sends the credit line to the blockchain.
In another embodiment, the block chain further includes a node device for a fund provider, and after the fund provider verifies the credit line, the credit line confirms that the transaction is confirmed in the block chain based on the credit line sent by the fund provider.
In yet another illustrated embodiment, the status database of the blockchain stores available lines for loan extraction based on the credit line; the block chain deploys intelligent contracts for loan management;
the obtaining unit 202 is further configured to obtain the existing warehousing status of the target cargo from the blockchain in response to a withdrawal application initiated by the loan applicant;
the device also comprises a verification unit 208 for verifying whether the existing warehousing state of the target goods is matched with the credit line;
the sending unit 206 is further configured to send a target withdrawal transaction to the blockchain, where the target withdrawal transaction includes the withdrawal amount applied by the loan application party,
the device also comprises an intelligent contract execution unit 210 which calls the intelligent contract, executes available line change logic declared by the intelligent contract and deducts the withdrawal amount from the available line stored in the block chain state database so as to update the available line.
In yet another illustrated embodiment, the sending unit 206 is further configured to send a target repayment transaction to the blockchain in response to the repayment confirmation sent by the loan applicant, where the target repayment transaction includes a repayment amount indicated by the repayment confirmation;
the intelligent contract execution unit 210 is further configured to invoke the intelligent contract, execute the available credit line change logic declared by the intelligent contract, and increase the payoff amount in the available credit line stored in the block chain state database to update the available credit line.
In yet another illustrated embodiment, the intelligent contract further declares loan reconciliation logic, and the intelligent contract execution unit 210 is further configured to:
responding to a running reconciliation transaction which is sent by the fund provider and is constructed based on the actual withdrawal or repayment running water of the loan applicant in a preset time length, calling the intelligent contract, executing the loan reconciliation logic, acquiring the target withdrawal transaction or the target repayment transaction which triggers the available amount change logic in the preset time length, checking whether the loan running list transaction is matched with the acquired target withdrawal transaction or target repayment transaction, and storing the checking result in the block chain.
The detailed implementation process of the functions and actions of each unit in the device 20 is the implementation process of the corresponding steps in the block chain-based mortgage method executed by the loan service node, and the relevant points may be referred to the partial description of the method embodiment, which is not described herein again.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.
The apparatuses, units and modules described in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
Corresponding to the above method embodiments, embodiments of the present specification also provide a computer device, as shown in fig. 3, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the block chain-based mortgage method performed by the loan servicing party as described above in the embodiments of the present specification. For a detailed description of the steps of the block chain-based mortgage method performed by the loan service provider, please refer to the previous contents, which is not repeated.
In accordance with the above method embodiments, embodiments of the present specification further provide a computer-readable storage medium having stored thereon computer programs, which, when executed by a processor, perform the steps of the block chain-based mortgage method performed by the loan servicing party in the embodiments of the present specification. For a detailed description of the steps of the block chain-based mortgage method performed by the loan service provider, please refer to the previous contents, which is not repeated.
The above description is only for the purpose of illustrating the preferred embodiments of the present disclosure and is not to be construed as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure are intended to be included within the scope of the present disclosure.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.
Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
Claims (14)
1. A kind of escort loaning method based on block chain, the said block chain includes the node of the storage side and node of the loan service side; the block chain stores the existing warehousing state of the target goods which are sent by the warehousing party and warehoused by the loan application party at the warehousing party; the method is executed by a loan server and comprises the following steps:
obtaining an existing warehousing status of the target good from the blockchain in response to a mortgage loan application for the target good sent by the loan applicant;
allocating to the loan applicant, based on the existing warehousing status of the target good, a credit line available based on a mortgage of the target good;
and sending the credit line to the block chain.
2. The method of claim 1, wherein the blockchain further comprises a fund provider node device, wherein after the fund provider verifies the credit line, the credit line confirms that the transaction is confirmed in the blockchain based on the credit line sent by the fund provider.
3. The method of claim 2, the state database of the blockchain storing available lines for loan extraction based on the credit line; the blockchain is deployed with intelligent contracts for loan management, the method further comprising:
acquiring the existing warehousing state of the target goods from the blockchain in response to a withdrawal application initiated by the loan application party;
verifying whether the existing warehousing state of the target goods is matched with the credit line;
if so, sending a target withdrawal transaction to the blockchain, wherein the target withdrawal transaction comprises the withdrawal amount applied by the loan applicant,
calling the intelligent contract, executing available limit change logic declared by the intelligent contract, and deducting the withdrawal amount from the available limit stored in the block chain state database so as to update the available limit.
4. The method of claim 3, further comprising:
sending a target repayment transaction to the blockchain in response to the repayment confirmation sent by the loan applicant, wherein the target repayment transaction comprises a repayment amount indicated by the repayment confirmation;
calling the intelligent contract, executing available limit change logic declared by the intelligent contract, and increasing the payoff amount in the available limit stored in the block chain state database so as to update the available limit.
5. The method of claim 3 or 4, the smart contract further declaring loan reconciliation logic, the method further comprising:
responding to a running reconciliation transaction which is sent by the fund provider and is constructed based on the actual withdrawal or repayment running water of the loan applicant in a preset time length, calling the intelligent contract, executing the loan reconciliation logic, acquiring the target withdrawal transaction or the target repayment transaction which triggers the available amount change logic in the preset time length, checking whether the loan running list transaction is matched with the acquired target withdrawal transaction or target repayment transaction, and storing the checking result in the block chain.
6. The method according to claim 1, wherein the existing warehouse status of the target goods is sent to the blockchain by the warehousing party at intervals of a preset time period, or the existing warehouse status of the target goods is sent to the blockchain by the warehousing party in real time based on the warehousing change of the target goods.
7. The method according to claim 1 or 6, wherein the blockchain further comprises an inventory node for performing inventory on actual storage of the target goods, and the blockchain further stores inventory states corresponding to existing storage states of the target goods, which are sent by the inventory node.
8. A kind of goods escort loans the device on the basis of the block chain, the said block chain includes the node of the storage side and loan service side node; the block chain stores the existing warehousing state of the target goods which are sent by the warehousing party and warehoused by the loan application party at the warehousing party; the device is applied to the loan server and comprises:
an acquisition unit, which responds to a mortgage loan application for the target goods sent by the loan application party, and acquires the existing warehousing state of the target goods from the block chain;
a credit granting unit for allocating credit lines available based on the mortgage of the target goods to the loan application party based on the existing warehousing state of the target goods;
and the sending unit is used for sending the credit line to the block chain.
9. The apparatus of claim 8, wherein the blockchain further comprises a fund provider node device, wherein after the fund provider verifies the credit line, the credit line confirms that the transaction is confirmed in the blockchain based on the credit line sent by the fund provider.
10. The apparatus of claim 8, the state database of the blockchain storing available lines for loan extraction based on the credit line; the block chain deploys intelligent contracts for loan management;
the obtaining unit is further used for obtaining the existing warehousing state of the target goods from the block chain in response to a withdrawal application initiated by the loan application party;
the device also comprises a verification unit for verifying whether the existing warehousing state of the target goods is matched with the credit line;
the sending unit is further used for sending a target withdrawal transaction to the blockchain, wherein the target withdrawal transaction comprises the withdrawal amount applied by the loan application party,
the device also comprises an intelligent contract execution unit which calls the intelligent contract, executes available amount change logic declared by the intelligent contract and deducts the withdrawal amount from the available amount stored in the block chain state database so as to update the available amount.
11. The apparatus of claim 10, the sending unit further configured to send a target repayment transaction to the blockchain in response to a repayment confirmation sent by the loan applicant, the target repayment transaction including a repayment amount indicated by the repayment confirmation;
the intelligent contract execution unit is further used for calling the intelligent contract, executing available quota change logic declared by the intelligent contract, and increasing the payoff amount in the available quota stored in the block chain state database so as to update the available quota.
12. The apparatus of claim 10 or 11, the intelligent contract further declaring loan reconciliation logic, the intelligent contract execution unit further to:
responding to a running reconciliation transaction which is sent by the fund provider and is constructed based on the actual withdrawal or repayment running water of the loan applicant in a preset time length, calling the intelligent contract, executing the loan reconciliation logic, acquiring the target withdrawal transaction or the target repayment transaction which triggers the available amount change logic in the preset time length, checking whether the loan running list transaction is matched with the acquired target withdrawal transaction or target repayment transaction, and storing the checking result in the block chain.
13. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 1 to 7.
14. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the method according to any one of claims 1 to 7.
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