CN111768284A - Patent pledge loan system based on block chain and trading method - Google Patents
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Abstract
The invention provides a patent mortgage loan system and a trading method based on a block chain, wherein the system comprises: the system comprises a patent certificate chain-linking module, a patent verification module, a verification structure chain-linking module, a mortgage contract chain-linking module, a credit granting result chain-linking module, a loan application module, a loan contract chain-linking module, a release record chain-linking module, a repayment information chain-linking module and a default information chain-linking module; through jointly calling each module, the problems of complex process and default risk existing in the patent mortgage loan business can be solved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a patent mortgage loan system and a trading method based on a block chain.
Background
The patent pledge loan refers to the process that a debtor (an enterprise or an individual) evaluates the legally owned intellectual property right to make a price, pledges the debtor to a financial institution such as a bank to exchange development funds, repays the original interest according to the date, and if the debt cannot be fulfilled due to the expiration, the debtor can agree to auction and change the patent according to the law, and the debt is paid from the price of the auction or the change preferentially.
However, the patent mortgage financing loan has many difficulties in the actual operation, and the difficulty is large. Although many small and micro enterprises want their patents to obtain pledge financing loans, the financing process is cumbersome and complicated. The basic process of patent mortgage loan is as follows: firstly, a small and medium-sized enterprise with effective patents applies for patent mortgage loan to a commercial bank; secondly, a professional guarantee institution established by government or folk investments provides guarantee for the bank for medium and small enterprises, and the medium and small enterprises pay guarantee fees to the guarantee institution; thirdly, a management consulting company established by the government or folk financing provides patent mortgage loan related consulting services for small and medium-sized enterprises, and the small and medium-sized enterprises pay certain service fees to the small and medium-sized enterprises; fourthly, the bank examines the completeness, integrity, legality, compliance and the like of the related data according to the application submitted by the small and medium-sized enterprises, and timely releases the loan to the enterprises which are qualified in the examination. The process relates to a plurality of main bodies such as an evaluation organization, a bank, an insurance company, an intellectual property office and the like, the transaction flow is complicated, and the financing time and the money cost of an enterprise are huge; in addition, in the financing process, the enterprise needs to provide own patent information for multiple parties, and certain risks are caused to the enterprise.
Moreover, from the current situation, there are not many small enterprises that can really get the loan of the bank. Due to the reasons that patent underlying assets are opaque, patent price assessment is inaccurate, the fluidity of the patent market is poor and the like, the problems of 'difficult wind control', 'difficult assessment' and 'difficult disposal' exist in the patent mortgage loan, and financial institutions such as banks, insurance companies and the like are reluctant to provide the service.
At present, patent mortgage financing is mainly government driven. More typically, 3 kinds of modes are selected, such as a direct financing mode of "bank + patent guarantee + guarantee company" represented by Beijing, an indirect financing mode of "bank + patent guarantee + policy guarantee company" represented by Happodong, and a mixed financing mode of "bank + guarantee company + patent anti-guarantee" represented by Wuhan.
Disclosure of Invention
The purpose of the invention is as follows: the invention aims to provide a patent mortgage loan system and method based on a block chain, which aim to solve the problems of complicated process and default risk in the patent mortgage loan business.
The technical scheme is as follows: in order to achieve the purpose, the invention provides the following technical scheme:
a block chain based patent pledge system comprising:
the system comprises a patent certificate chaining module, a loan authority management module and a loan authority management module, wherein the patent certificate chaining module is used for calling an intelligent contract interface preset on a block chain after acquiring patent certification information uploaded by a loan applicant, recording the patent certification information to the block chain, and establishing an intelligent contract according to consensus achieved by a guarantee agency and the loan agency in advance;
the patent verification module is used for submitting the patent certification information to a patent for verification to obtain a patent verification result;
the verification structure uplink module is used for recording the patent verification result to the block chain if the patent verification result is verified to be passed;
the mortgage contract upper chain module is used for acquiring a patent mortgage contract signed by the loan applicant and the guarantee institution, calling an interface of an intelligent contract preset on the block chain and recording the patent mortgage contract to the block chain;
the credit granting result chaining module is used for acquiring an evaluation credit granting result uploaded by the guarantee institution and recording the evaluation credit granting result to the block chain, wherein the evaluation credit granting result is generated after the guarantee institution evaluates the patent of the loan applicant's mortgage;
the loan application module is used for sending a loan application to the loan institution if the patent pledge contract and the assessment credit result meet the loan triggering condition of the intelligent contract;
the loan contract chaining module is used for calling an interface of the intelligent contract and recording a loan contract to the block chain, and the loan contract is generated by the loan applicant and the loan institution after the loan institution audits the assessment credit granting result;
the loan release record cochain module is used for calling an interface of the intelligent contract and recording loan release record information to the block chain, wherein the loan release record information is a record of the loan institution issuing an agreed fund to the loan applicant according to the block contract;
and the repayment information uplink module is used for recording repayment information of the loan applicant to the block chain and authorizing a credit investigation institution through a preset channel on the block chain so that the credit investigation institution records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant, the repayment information is generated when the loan applicant repays according to the loan contract, and the preset channel comprises the guarantee institution, the loan institution and the credit investigation institution.
And the default information uplink module is used for recording the default information of the loan applicant to the block chain and requesting the guarantee institution for settlement through a preset channel on the block chain.
Further, the block chain-based patent mortgage system further comprises:
the patent evaluation value acquisition module is used for acquiring the evaluation value of the patent in the evaluation credit granting result;
the loan amount judgment module is used for judging whether the amount agreed in the patent pledge contract is less than the evaluation value of the patent;
the first determining module is used for determining that the patent mortgage contract and the assessment credit granting result meet the loan touch condition of the intelligent contract if the result of the loan amount judging module is positive;
and the second determination module is used for determining that the patent mortgage contract and the assessment credit result do not meet the loan triggering condition of the intelligent contract if the result of the loan amount judgment module is negative.
Further, the patent pledge contract includes the electronic signature of the loan applicant, the facial picture and fingerprint sample of the loan applicant collected while signing the patent pledge, the block chain based patent pledge loan system further includes:
the character recognition module is used for carrying out character recognition on the first electronic signature to obtain a first text;
the first comparison module is used for comparing the first text with the name of the loan applicant to obtain a first comparison result;
the face feature extraction module is used for extracting face features on the face picture;
the second comparison module is used for comparing the extracted face features with the reserved face features of the loan applicant to obtain a second comparison result;
the fingerprint extraction module is used for extracting applicant fingerprint information in the fingerprint sample;
the third comparison module is used for comparing the extracted applicant fingerprint with the reserved fingerprint of the loan applicant to obtain a third comparison result;
and the first triggering module is used for triggering the chain loading module of the patent pledge contract if the first comparison result, the second comparison result and the third comparison result are in accordance with each other.
The invention also provides a patent mortgage loan transaction method based on the system, which comprises the following steps:
(1) after acquiring patent information uploaded by a loan applicant, calling an intelligent contract lending opening preset on a block chain, and recording the patent information to the block chain, wherein the intelligent contract is established according to consensus achieved by a guarantee institution and a loan institution in advance;
(2) submitting the patent information to a patent office for verification to obtain a patent verification result;
(3) if the patent verification result is that the verification is passed, recording the patent verification result to the block chain;
(4) acquiring a patent pledge contract signed by the loan applicant and the guarantee institution, calling an intelligent contract interface preset on the block chain, and recording the patent pledge contract to the block chain;
(5) obtaining an evaluation credit granting result uploaded by the guarantee institution, and recording the evaluation credit granting result to the block chain, wherein the evaluation credit granting result is generated after the guarantee institution evaluates the patent mortgage of the loan applicant;
(6) if the patent pledge contract and the assessment credit granting result meet the loan departure condition of the intelligent contract, sending a loan application to the loan institution;
(7) calling an interface of the intelligent contract, recording a loan contract to the block chain, and signing and generating by the loan applicant and the loan institution after the loan institution audits the assessment credit granting result;
(8) calling an interface of the intelligent contract, and recording loan record information to the block chain, wherein the loan record information is a record of the loan institution issuing an agreed payment to the loan applicant according to the loan contract;
(9) and the repayment information of the loan applicant is recorded into the block chain and is authorized to a credit investigation institution through a preset channel on the block chain, so that the credit investigation institution records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant, the repayment information is generated each time the loan applicant repays according to the loan contract, and the preset channel comprises the guarantee institution, the loan institution and the credit investigation institution.
Further, before issuing a loan application to the loan institution, the method further comprises the steps of:
(5-1) requiring the loan applicant to go to an evaluation institution to evaluate the patent value, and obtaining the evaluation value of the patent in the evaluation credit result;
(5-2) judging whether the loan amount agreed in the patent pledge contract is less than or equal to the evaluation value of the patent;
(5-3) if the amount of the loan agreed in the patent pledge contract is less than or equal to the evaluation price of the patent, determining that the patent pledge contract and the evaluation credit result meet the loan triggering condition of the intelligent contract;
(5-4) if the amount of the loan agreed in the patent pledge contract is larger than the converted evaluation price, determining that the patent pledge contract and the evaluation credit result do not meet the loan triggering condition of the intelligent contract.
Further, the patent mortgage contract includes an electronic signature of the loan applicant, collects a face picture and a fingerprint sample of the loan applicant while signing the patent mortgage contract, calls an interface of an intelligent contract preset on the block chain, and records the patent mortgage contract to the block chain before, the method further includes the steps of:
(6-1) performing character recognition on the first electronic signature to obtain a first text;
(6-2) comparing the first text with the name of the loan applicant to obtain a first comparison result;
(6-3) extracting the face verification on the face picture;
(6-4) comparing the extracted face features with the reserved face features of the loan applicant to obtain a second comparison result;
(6-5) collecting fingerprint information of the fingerprint sample;
(6-6) comparing the extracted applicant fingerprint information with the reserved fingerprint of the loan applicant to obtain a third comparison result;
(6-7) if the first comparison result, the second comparison result and the third comparison result are all in accordance, executing a step of calling an intelligent contract interface preset on the block chain and recording the patent pledge contract to the block chain.
Further, the patent pledge contract further includes a second electronic signature of the guaranty organization, and before calling an interface of an intelligent contract preset on the block chain and recording the patent pledge contract to the block chain, the method further includes the steps of:
comparing the second electronic signature with a reserved electronic signature of the guaranty institution to obtain a fourth comparison result; and if the fourth comparison result is that the comparison is consistent, executing a step of calling an interface of an intelligent contract preset on the block chain and recording the patent pledge contract to the block chain.
Further, the block chain-based patent mortgage method further comprises the following steps:
(8-1) if the loan applicant defaults to the loan contract, recording default claim information made by the loan institution according to the default behavior of the loan applicant to the block chain;
(8-2) if the default claim settlement information meets the claim settlement triggering condition of the intelligent contract, initiating a claim settlement request to the guarantee agency;
(8-3) calling an interface of the intelligent contract, and recording claim settlement record information to the block chain, wherein the claim settlement record information is a record of the guarantee institution for performing claim settlement to the loan institution according to the claim settlement request.
Has the advantages that: compared with the prior art, the invention has the following advantages:
the invention makes up the defects of the prior art, provides a patent mortgage loan system and method based on a block chain, and can fully solve the problems of complicated and complex processes and default risks in the patent mortgage loan business.
Drawings
FIG. 1 is a schematic diagram of a block chain-based patent mortgage system according to the present invention
FIG. 2 is a flow chart of a block chain based patent mortgage method of the present invention;
FIG. 3 is a schematic flow chart of the method for verifying the identity of a loan applicant in the patent pledge based on the block chain;
FIG. 4 is a schematic diagram illustrating the process of verifying the identity of a security agency in the block chain-based patent pledge method of the present invention;
FIG. 5 is a schematic flow chart of the block chain-based method for determining whether the contract and the credit satisfy the loan trigger condition in the patent pledge;
fig. 6 is a flow chart illustrating the process of the block chain-based method for patent mortgage loan with default compensation.
Detailed Description
The present invention will be further described with reference to the accompanying drawings.
The invention provides a block chain-based patent mortgage loan system, the structure of which is shown in figure 1 and comprises:
the system comprises a patent certificate chaining module, a loan authority management module and a loan authority management module, wherein the patent certificate chaining module is used for calling an intelligent contract interface preset on a block chain after acquiring patent certification information uploaded by a loan applicant, recording the patent certification information to the block chain, and establishing an intelligent contract according to consensus achieved by a guarantee agency and the loan agency in advance;
the patent verification module is used for submitting the patent certification information to a patent for verification to obtain a patent verification result;
the verification structure uplink module is used for recording the patent verification result to the block chain if the patent verification result is verified to be passed;
the mortgage contract upper chain module is used for acquiring a patent mortgage contract signed by the loan applicant and the guarantee institution, calling an interface of an intelligent contract preset on the block chain and recording the patent mortgage contract to the block chain;
the credit granting result chaining module is used for acquiring an evaluation credit granting result uploaded by the guarantee institution and recording the evaluation credit granting result to the block chain, wherein the evaluation credit granting result is generated after the guarantee institution evaluates the patent of the loan applicant's mortgage;
the loan application module is used for sending a loan application to the loan institution if the patent pledge contract and the assessment credit result meet the loan triggering condition of the intelligent contract;
the loan contract chaining module is used for calling an interface of the intelligent contract and recording a loan contract to the block chain, and the loan contract is generated by the loan applicant and the loan institution after the loan institution audits the assessment credit granting result;
the loan release record cochain module is used for calling an interface of the intelligent contract and recording loan release record information to the block chain, wherein the loan release record information is a record of the loan institution issuing an agreed fund to the loan applicant according to the block contract;
and the repayment information uplink module is used for recording repayment information of the loan applicant to the block chain and authorizing a credit investigation institution through a preset channel on the block chain so that the credit investigation institution records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant, the repayment information is generated when the loan applicant repays according to the loan contract, and the preset channel comprises the guarantee institution, the loan institution and the credit investigation institution.
And the default information uplink module is used for recording the default information of the loan applicant to the block chain and requesting the guarantee institution for settlement through a preset channel on the block chain.
The above description is only of the preferred embodiments of the present invention, and it should be noted that: it will be apparent to those skilled in the art that various modifications and adaptations can be made without departing from the principles of the invention and these are intended to be within the scope of the invention.
Claims (8)
1. A block chain based patent pledge loan system, comprising:
the system comprises a patent certificate chaining module, a loan authority management module and a loan authority management module, wherein the patent certificate chaining module is used for calling an intelligent contract interface preset on a block chain after acquiring patent certification information uploaded by a loan applicant, recording the patent certification information to the block chain, and establishing an intelligent contract according to consensus achieved by a guarantee agency and the loan agency in advance;
the patent verification module is used for submitting the patent certification information to a patent for verification to obtain a patent verification result;
the verification structure uplink module is used for recording the patent verification result to the block chain if the patent verification result is verified to be passed;
the mortgage contract upper chain module is used for acquiring a patent mortgage contract signed by the loan applicant and the guarantee institution, calling an interface of an intelligent contract preset on the block chain and recording the patent mortgage contract to the block chain;
the credit granting result chaining module is used for acquiring an evaluation credit granting result uploaded by the guarantee institution and recording the evaluation credit granting result to the block chain, wherein the evaluation credit granting result is generated after the guarantee institution evaluates the patent of the loan applicant's mortgage;
the loan application module is used for sending a loan application to the loan institution if the patent pledge contract and the assessment credit result meet the loan triggering condition of the intelligent contract;
the loan contract chaining module is used for calling an interface of the intelligent contract and recording a loan contract to the block chain, and the loan contract is generated by the loan applicant and the loan institution after the loan institution audits the assessment credit granting result;
the loan release record cochain module is used for calling an interface of the intelligent contract and recording loan release record information to the block chain, wherein the loan release record information is a record of the loan institution issuing an agreed fund to the loan applicant according to the block contract;
and the repayment information uplink module is used for recording repayment information of the loan applicant to the block chain and authorizing a credit investigation institution through a preset channel on the block chain so that the credit investigation institution records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant, the repayment information is generated when the loan applicant repays according to the loan contract, and the preset channel comprises the guarantee institution, the loan institution and the credit investigation institution.
And the default information uplink module is used for recording the default information of the loan applicant to the block chain and requesting the guarantee institution for settlement through a preset channel on the block chain.
2. The block chain based patent pledge loan system of claim 1, wherein the block chain based patent pledge loan system further comprises:
the patent evaluation value acquisition module is used for acquiring the evaluation value of the patent in the evaluation credit granting result;
the loan amount judgment module is used for judging whether the amount agreed in the patent pledge contract is less than the evaluation value of the patent;
the first determining module is used for determining that the patent mortgage contract and the assessment credit granting result meet the loan touch condition of the intelligent contract if the result of the loan amount judging module is positive;
and the second determination module is used for determining that the patent mortgage contract and the assessment credit result do not meet the loan triggering condition of the intelligent contract if the result of the loan amount judgment module is negative.
3. The blockchain-based patent pledge loan system of claim 2, wherein the patent pledge contract includes an electronic signature of the loan applicant, a picture of the loan applicant's face and fingerprint samples taken while the patent pledge is signed in, the blockchain-based patent pledge loan system further comprising:
the character recognition module is used for carrying out character recognition on the first electronic signature to obtain a first text;
the first comparison module is used for comparing the first text with the name of the loan applicant to obtain a first comparison result;
the face feature extraction module is used for extracting face features on the face picture;
the second comparison module is used for comparing the extracted face features with the reserved face features of the loan applicant to obtain a second comparison result;
the fingerprint extraction module is used for extracting applicant fingerprint information in the fingerprint sample;
the third comparison module is used for comparing the extracted applicant fingerprint with the reserved fingerprint of the loan applicant to obtain a third comparison result;
and the first triggering module is used for triggering the chain loading module of the patent pledge contract if the first comparison result, the second comparison result and the third comparison result are in accordance with each other.
4. A method of trading patent mortgages based on the block chain based patent mortgage system of any one of claims 1 to 3, comprising the steps of:
(1) after acquiring patent information uploaded by a loan applicant, calling an intelligent contract lending opening preset on a block chain, and recording the patent information to the block chain, wherein the intelligent contract is established according to consensus achieved by a guarantee institution and a loan institution in advance;
(2) submitting the patent information to a patent office for verification to obtain a patent verification result;
(3) if the patent verification result is that the verification is passed, recording the patent verification result to the block chain;
(4) acquiring a patent pledge contract signed by the loan applicant and the guarantee institution, calling an intelligent contract interface preset on the block chain, and recording the patent pledge contract to the block chain;
(5) obtaining an evaluation credit granting result uploaded by the guarantee institution, and recording the evaluation credit granting result to the block chain, wherein the evaluation credit granting result is generated after the guarantee institution evaluates the patent mortgage of the loan applicant;
(6) if the patent pledge contract and the assessment credit granting result meet the loan departure condition of the intelligent contract, sending a loan application to the loan institution;
(7) calling an interface of the intelligent contract, recording a loan contract to the block chain, and signing and generating by the loan applicant and the loan institution after the loan institution audits the assessment credit granting result;
(8) calling an interface of the intelligent contract, and recording loan record information to the block chain, wherein the loan record information is a record of the loan institution issuing an agreed payment to the loan applicant according to the loan contract;
(9) and the repayment information of the loan applicant is recorded into the block chain and is authorized to a credit investigation institution through a preset channel on the block chain, so that the credit investigation institution records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant, the repayment information is generated each time the loan applicant repays according to the loan contract, and the preset channel comprises the guarantee institution, the loan institution and the credit investigation institution.
5. The method of claim 4, wherein before issuing a loan application to the lending institution, the method further comprises the following steps:
(5-1) requiring the loan applicant to go to an evaluation institution to evaluate the patent value, and obtaining the evaluation value of the patent in the evaluation credit result;
(5-2) judging whether the loan amount agreed in the patent pledge contract is less than or equal to the evaluation value of the patent;
(5-3) if the amount of the loan agreed in the patent pledge contract is less than or equal to the evaluation price of the patent, determining that the patent pledge contract and the evaluation credit result meet the loan triggering condition of the intelligent contract;
(5-4) if the amount of the loan agreed in the patent pledge contract is larger than the converted evaluation price, determining that the patent pledge contract and the evaluation credit result do not meet the loan triggering condition of the intelligent contract.
6. The method of claim 5, wherein the patent mortgage contract comprises an electronic signature of the loan applicant, the method includes collecting a face picture and a fingerprint sample of the loan applicant while signing the patent mortgage contract, and the method further comprises the following steps before calling an interface of a preset intelligent contract on the block chain and recording the patent mortgage contract to the block chain:
(6-1) performing character recognition on the first electronic signature to obtain a first text;
(6-2) comparing the first text with the name of the loan applicant to obtain a first comparison result;
(6-3) extracting the face verification on the face picture;
(6-4) comparing the extracted face features with the reserved face features of the loan applicant to obtain a second comparison result;
(6-5) collecting fingerprint information of the fingerprint sample;
(6-6) comparing the extracted applicant fingerprint information with the reserved fingerprint of the loan applicant to obtain a third comparison result;
(6-7) if the first comparison result, the second comparison result and the third comparison result are all in accordance, executing a step of calling an intelligent contract interface preset on the block chain and recording the patent pledge contract to the block chain.
7. The method of claim 6, wherein the patent pledge contract further includes a second electronic signature of the guaranty organization, and the method further includes the following steps before the interface of the intelligent contract preset on the blockchain is called to record the patent pledge contract into the blockchain:
comparing the second electronic signature with a reserved electronic signature of the guaranty institution to obtain a fourth comparison result; and if the fourth comparison result is that the comparison is consistent, executing a step of calling an interface of an intelligent contract preset on the block chain and recording the patent pledge contract to the block chain.
8. The method of claim 7, wherein the method further comprises:
(8-1) if the loan applicant defaults to the loan contract, recording default claim information made by the loan institution according to the default behavior of the loan applicant to the block chain;
(8-2) if the default claim settlement information meets the claim settlement triggering condition of the intelligent contract, initiating a claim settlement request to the guarantee agency;
(8-3) calling an interface of the intelligent contract, and recording claim settlement record information to the block chain, wherein the claim settlement record information is a record of the guarantee institution for performing claim settlement to the loan institution according to the claim settlement request.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201910265020.4A CN111768284A (en) | 2019-04-02 | 2019-04-02 | Patent pledge loan system based on block chain and trading method |
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| CN201910265020.4A CN111768284A (en) | 2019-04-02 | 2019-04-02 | Patent pledge loan system based on block chain and trading method |
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| CN111768284A true CN111768284A (en) | 2020-10-13 |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
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| CN112330437A (en) * | 2020-10-26 | 2021-02-05 | 成都商通时代数字科技有限公司 | Block chain-based digital liquor evidence mortgage loan system and method |
| CN113222664A (en) * | 2021-05-11 | 2021-08-06 | 支付宝(杭州)信息技术有限公司 | Article recycling transaction processing method based on block chain |
| CN114564756A (en) * | 2022-03-03 | 2022-05-31 | 广州万辉信息科技有限公司 | Block chain-based patent pledge service processing platform and method |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112330437A (en) * | 2020-10-26 | 2021-02-05 | 成都商通时代数字科技有限公司 | Block chain-based digital liquor evidence mortgage loan system and method |
| CN112116460A (en) * | 2020-11-18 | 2020-12-22 | 广州博士信息技术研究院有限公司 | Block chain based patent pledge business processing method, system and storage medium |
| CN112116460B (en) * | 2020-11-18 | 2021-02-26 | 广州博士信息技术研究院有限公司 | Block chain based patent pledge business processing method, system and storage medium |
| CN113222664A (en) * | 2021-05-11 | 2021-08-06 | 支付宝(杭州)信息技术有限公司 | Article recycling transaction processing method based on block chain |
| CN114564756A (en) * | 2022-03-03 | 2022-05-31 | 广州万辉信息科技有限公司 | Block chain-based patent pledge service processing platform and method |
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