CN112001790A

CN112001790A - Block chain-based post-loan monitoring processing method and system and nodes

Info

Publication number: CN112001790A
Application number: CN202010859197.XA
Authority: CN
Inventors: 梁栋
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2020-08-24
Filing date: 2020-08-24
Publication date: 2020-11-27

Abstract

The invention discloses a block chain-based post-loan monitoring processing method, a system and nodes, wherein the method comprises the following steps: the business company node adds the loan return visit data into the loan data information and sends the updated loan information to the block chain network; the outsourcing collection-urging company node adds the outsourcing collection-urging record data to the updated information and sends the obtained full-flow information to the block chain network; the financial institution node generates a consensus verification request according to the full flow information and sends the consensus verification request to the block chain network; carrying out consensus verification processing on the business company and the outsourcing collection company node, and sending a verification passing result to the block chain network; after receiving the verification passing result, the financial institution node identifies the risk level of the user and performs state operation processing to obtain updated full flow information and sends the updated full flow information to the block chain network; and receiving and displaying the updated full-flow loan data information by the business company and the outsourcing collection urging company node. The invention can efficiently and safely carry out post-loan monitoring processing.

Description

Block chain-based post-loan monitoring processing method and system and nodes

Technical Field

The invention relates to the technical field of data processing, in particular to a block chain-based post-loan monitoring processing method, a system and nodes.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

At present, the loan post-loan monitoring processing scheme has complex flow, huge workload of basic institutions and low efficiency, and has great risk because the problems of omission or counterfeiting easily occur.

Disclosure of Invention

The embodiment of the invention provides a block chain-based post-loan monitoring processing method, which is used for efficiently and safely performing post-loan monitoring processing, wherein nodes of participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: the method comprises the following steps that:

the financial institution node sends the loan data information to the block chain network;

the business company node receives loan data information sent through the blockchain network, adds loan return visit data into the loan data information to obtain updated loan data information, and sends the updated loan data information to the blockchain network;

the outsourcing collection company node receives the updated loan data information sent by the block chain network, adds outsourcing collection record data to the updated loan data information to obtain the loan data information of the whole process, and sends the loan data information of the whole process to the block chain network;

the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process, and sends the consensus verification request to the blockchain network;

the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, perform consensus verification processing, and send verification passing results to the blockchain network after the verification passes;

after receiving the verification passing results sent by the business company node and the outsourcing acceptance company node through the blockchain network, the financial institution node identifies the risk levels of different users according to the loan data information of the whole process and a pre-established risk level identification model, performs different state operation processing on the users of different risk levels to obtain updated whole-process loan data information, and sends the updated whole-process loan data information to the blockchain network;

and the business company node and the outsourcing collection company node receive the updated full-process loan data information sent by the block chain network and display the updated full-process loan data information to the user.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing method, which is used for efficiently and safely performing post-loan monitoring processing, wherein the post-loan monitoring processing participant nodes form a block chain network; the post-loan monitoring processing participant node comprises: the method comprises the following steps that:

sending the loan data information to a block chain network;

receiving loan data information of a full flow sent through a block chain network;

generating a consensus verification request according to the loan data information of the whole process;

sending a consensus verification request to a blockchain network;

after verification passing results sent by the business company node and the outsourcing collection company node through the blockchain network are received, the risk levels of different users are identified according to loan data information of the whole process and a pre-established risk level identification model;

performing different state operation processing on users with different risk levels to obtain updated full-flow loan data information;

and sending the updated full-flow loan data information to the block chain network.

receiving loan data information sent through a blockchain network;

adding the loan return visit data into the loan data information to obtain updated loan data information;

sending the updated loan data information to a block chain network;

receiving a consensus verification request sent by a block chain network, and performing consensus verification processing;

after the verification is passed, sending a verification passing result to the block chain network;

receiving updated full-flow loan data information sent through a block chain network;

and displaying the updated full-process loan data information to the user.

receiving updated loan data information sent over a blockchain network;

adding outsourcing collection record data to the updated loan data information to obtain loan data information of the whole process;

sending the loan data information of the whole process to a block chain network;

and displaying the updated full-process loan data information to the user.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing system, which is used for efficiently and safely performing post-loan monitoring processing, wherein the post-loan monitoring processing participant nodes form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; wherein:

the financial institution node is used for sending the loan data information to the block chain network; receiving loan data information of the whole process sent through the blockchain network, generating a consensus verification request according to the loan data information of the whole process, and sending the consensus verification request to the blockchain network; after receiving verification passing results sent by a business company node and an outsourcing acceptance company node through a blockchain network, identifying risk levels of different users according to the loan data information of the whole process and a pre-established risk level identification model, carrying out different state operation processing on the users with different risk levels to obtain updated whole-process loan data information, and sending the updated whole-process loan data information to the blockchain network;

the business company node is used for receiving the loan data information sent through the block chain network, adding loan return visit data into the loan data information to obtain updated loan data information, and sending the updated loan data information to the block chain network; receiving a consensus verification request sent by a block chain network, performing consensus verification processing, and sending a verification passing result to the block chain network after the verification passes; receiving updated full-process loan data information sent through a block chain network, and displaying the updated full-process loan data information to a user;

the outsourcing collection company node is used for receiving the updated loan data information sent by the blockchain network, adding outsourcing collection record data to the updated loan data information to obtain loan data information of the whole process, and sending the loan data information of the whole process to the blockchain network; receiving a consensus verification request sent by a block chain network, performing consensus verification processing, and sending a verification passing result to the block chain network after the verification passes; and receiving the updated full-process loan data information sent through the block chain network, and displaying the updated full-process loan data information to the user.

The embodiment of the invention also provides a financial institution node for post-loan monitoring processing based on the block chain, which is used for efficiently and safely performing post-loan monitoring processing, wherein the nodes of the participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the financial institution node includes:

the first sending unit is used for sending the loan data information to the block chain network; sending a consensus verification request to a blockchain network; sending the updated full-flow loan data information to a block chain network;

a first receiving unit, configured to receive loan data information of a full flow sent through a block chain network;

the consensus request generating unit is used for generating a consensus verification request according to the loan data information of the whole process;

the identification unit is used for identifying the risk levels of different users according to the loan data information of the whole process and a pre-established risk level identification model after receiving the verification passing results sent by the business company node and the outsourcing collection company node through the blockchain network;

and the state processing unit is used for carrying out different state operation processing on users with different risk levels to obtain updated full-process loan data information.

The embodiment of the invention also provides a business company node for post-loan monitoring processing based on the block chain, which is used for efficiently and safely performing post-loan monitoring processing, wherein the nodes of the participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the business company node includes:

a second receiving unit for receiving loan data information transmitted through the block chain network; receiving updated full-flow loan data information sent through a block chain network;

the first additional processing unit is used for adding the loan return visit data into the loan data information to obtain updated loan data information;

the second sending unit is used for sending the updated loan data information to the block chain network; after the verification is passed, sending a verification passing result to the block chain network;

the first consensus processing unit is used for receiving a consensus verification request sent by a block chain network and carrying out consensus verification processing;

and the first display unit is used for displaying the updated full-process loan data information to the user.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing outsourcing collection company node which is used for efficiently and safely performing post-loan monitoring processing, wherein the post-loan monitoring processing participant nodes form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; this outsourcing collection company node includes:

a third receiving unit, configured to receive updated loan data information sent via the blockchain network; receiving updated full-flow loan data information sent through a block chain network;

the second additional processing unit is used for adding the outsourcing collection urging record data into the updated loan data information to obtain the loan data information of the whole flow;

the third sending unit is used for sending the loan data information of the whole process to the block chain network; after the verification is passed, sending a verification passing result to the block chain network;

the second consensus processing unit is used for receiving the consensus verification request sent by the block chain network and carrying out consensus verification processing;

and the second display unit is used for displaying the updated full-process loan data information to the user.

The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the method for processing block chain-based post-credit monitoring is implemented.

An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the block chain-based post-credit monitoring processing method is stored in the computer-readable storage medium.

In the embodiment of the invention, the nodes of the post-credit monitoring processing participants form a block chain network based on the post-credit monitoring processing scheme of the block chain; the post-loan monitoring processing participant node comprises: financial institution node, commercial company node and outsourcing collection company node, through: the financial institution node sends the loan data information to the block chain network; the business company node receives loan data information sent through the blockchain network, adds loan return visit data into the loan data information to obtain updated loan data information, and sends the updated loan data information to the blockchain network; the outsourcing collection company node receives the updated loan data information sent by the block chain network, adds outsourcing collection record data to the updated loan data information to obtain the loan data information of the whole process, and sends the loan data information of the whole process to the block chain network; the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process, and sends the consensus verification request to the blockchain network; the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, perform consensus verification processing, and send verification passing results to the blockchain network after the verification passes; after receiving verification passing results sent by a business company node and an outsourcing acceptance company node through a blockchain network, a convergence organization node identifies risk levels of different users according to loan data information of the whole process and a pre-established risk level identification model, performs different state operation processing on the users of different risk levels to obtain updated whole-process loan data information, and sends the updated whole-process loan data information to the blockchain network; the business company node and the outsourcing collection company node receive the updated full-flow loan data information sent by the block chain network, and display the updated full-flow loan data information to the user, so that the post-loan monitoring processing can be efficiently and safely carried out.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:

FIG. 1 is a schematic flow chart illustrating a block chain based post-loan monitoring method applied to a system according to an embodiment of the present invention;

FIG. 2 is a schematic diagram of a block chain based post-credit monitoring process in accordance with an embodiment of the present invention;

FIG. 3 is a flowchart illustrating a block chain based post-loan monitoring method applied to a financial institution node according to an embodiment of the invention;

FIG. 4 is a flowchart illustrating a block chain based post-loan monitoring method applied to a business company node according to an embodiment of the invention;

FIG. 5 is a schematic flow chart illustrating a block chain-based post-loan monitoring method applied to outsourced collection company nodes in an embodiment of the invention;

FIG. 6 is a block chain based post-loan monitoring system in accordance with an embodiment of the invention;

FIG. 7 is a block chain based post-loan monitoring processing financial institution node in accordance with an embodiment of the present invention;

FIG. 8 is a block chain based post-loan monitoring and processing business company node in an embodiment of the invention;

fig. 9 is a schematic structural diagram of an outsourced collection company node for post-loan monitoring processing based on a block chain according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

Currently, the financial loan collection method for post-loan processing is generally as follows: within 90 days after the expiration, short messages, letters and the like are selected for collection. Secondly, if the borrower does not fulfill the repayment obligation for more than 90 days, an advance repayment notice book is sent to the borrower, the borrower is entitled to repay all the borrowed money in advance, and the borrower pays the fines in the overdue period. And thirdly, if the repayment obligation is not fulfilled when the repayment deadline determined by the advance repayment notice book is expired, the disposition of the collateral and the borrower are agreed. Fourthly, after 180 days, the lawsuit is lifted for the borrowers who refuse to pay for the loan, and the mortgage is disposed; the prices obtained at the punishment are used to repay loan interest, fines and principal. In addition, by means of some wind control systems, capital flow direction and credit risk are monitored and checked, customers are marked, and customers with different risks are treated differently.

In terms of flow, the process is complex, time and labor are consumed for the collection of the bad loan, huge pressure is brought to credit workers, and the efficiency is low. The compliance of the second loan urging process is not strict, the proof of legal litigation evidence is difficult, and the risk level and the condition of the client are not known, so that the loan urging efficiency is low. The third loan post-processing work is mainly concentrated on the basic level, the loan application and the use condition of the third loan post-processing work are unsupervised, counterfeit loan disordering is easy to occur, the third loan post-processing work is not beneficial to centralized operation and overall monitoring, and the safety is poor. Fourthly: for the treatment of customers with different risks, the manual freezing method is adopted at present, and the flexibility is poor.

In order to improve the efficiency and quality of post-loan monitoring processing, further relieve the working pressure of basic institutions, improve the centralized, standardized and intelligent monitoring level of post-loan processing, and realize the centralized operation of links such as post-loan return visit, risk investigation, early overdue hastening processing and the like by means of the non-falsification characteristic of a block chain.

The embodiment of the invention utilizes the block chain technology to build the block chain with full-flow record, credible full-link and evidence of full nodes, thereby realizing the monitoring, tracking and supervising of the full-flow and the staff of post-loan processing. And monitoring risk customers by using an intelligent contract, performing operation processing such as limit freezing short message reminding and the like, and realizing automatic troubleshooting processing of loan internal and external risk factors.

Specifically, in the embodiment of the invention, by means of a block chain, data information after loan and return visit and collection information of a business company are processed by a outsourcing company in batches through hash, chain linking is signed, a full-flow record is built by using a block chain technology, the full link is credible, full node witnesses are provided, return visit is performed after the chain witnesses the loan, early-stage overdue receipts are urged, outsourcing receipts are urged, and the whole process of risk investigation is realized, so that penetrating post-loan processing is realized, and monitoring, tracking and supervision of the full flow are realized. In addition, a distributed general ledger is established to supervise the loan flow direction in real time, if default, evidence is recorded, one-key acceptance is carried out, the rate of bad loans is reduced, and a win-win situation is achieved for individuals and banks.

The block chain based post-credit monitoring processing scheme is described in detail below.

Fig. 1 is a schematic flow chart of a block chain based post-credit monitoring processing method applied to a system in an embodiment of the present invention, as shown in fig. 1, the method includes the following steps:

step 101: the financial institution node sends the loan data information to the block chain network;

step 102: the business company node receives loan data information sent through the blockchain network, adds loan return visit data into the loan data information to obtain updated loan data information, and sends the updated loan data information to the blockchain network;

step 103: the outsourcing collection company node receives the updated loan data information sent by the block chain network, adds outsourcing collection record data to the updated loan data information to obtain the loan data information of the whole process, and sends the loan data information of the whole process to the block chain network;

step 104: the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process, and sends the consensus verification request to the blockchain network;

step 105: the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, perform consensus verification processing, and send verification passing results to the blockchain network after the verification passes;

step 106: after receiving the verification passing results sent by the business company node and the outsourcing acceptance company node through the blockchain network, the financial institution node identifies the risk levels of different users according to the loan data information of the whole process and a pre-established risk level identification model, performs different state operation processing on the users of different risk levels to obtain updated whole-process loan data information, and sends the updated whole-process loan data information to the blockchain network;

step 107: and the business company node and the outsourcing collection company node receive the updated full-process loan data information sent by the block chain network and display the updated full-process loan data information to the user.

The block chain-based post-loan monitoring processing method provided by the embodiment of the invention can efficiently and safely perform post-loan monitoring processing.

In specific implementation, in the step 105, the consensus verification processing between the business company node and the outsourcing collection company node may be to verify the authenticity of the loan data information, and then in the subsequent step 106, before the post-loan risk level is identified, when verification results sent by both the business company node and the outsourcing collection company node are obtained, the subsequent identification and state operation processing is performed, so that the problems of loan counterfeiting and the like are avoided, and the safety of post-loan monitoring processing is improved.

In the step 106, the financial institution (e.g., a bank) node identifies the risk levels of different users according to the loan data information of the full process and the pre-established risk level identification model, performs different state operation processing on the users of different risk levels to obtain updated full-process loan data information, and sends the updated full-process loan data information to the block chain network, so that in the subsequent step 107, the staff of the business company node and the outsourcing and urging company node can clearly know the risk levels of the different users and what states the users are respectively in, thereby helping them to efficiently perform post-loan monitoring processing, and improving the efficiency of post-loan monitoring processing.

In specific implementation, the method for processing post-loan monitoring based on a block chain according to an embodiment of the present invention may further include: the outsourcing collection company node automatically sends out collection prompting prompts according to the financial loan collection prompting modes in the first sections of the specific implementation mode, and the efficiency of monitoring and processing after the loan is further improved.

In specific implementation, the method for processing post-loan monitoring based on a block chain according to an embodiment of the present invention may further include:

when monitoring that the loan return visit data changes, the business company node adds the loan return visit change data into the block chain network;

when monitoring that the outsourcing collection-urging record data changes, the outsourcing collection-urging record change data is added into the block chain network by the outsourcing collection-urging company node;

the financial institution node updates the current loan data information of the whole process according to the loan return visit change data and the outsourcing collection record change data to obtain the updated loan data information of the whole process, generates a re-consensus verification request according to the updated loan data information of the whole process, and generates and joins the re-consensus verification request into the block chain network;

the business company node and the outsourcing collection company node receive the re-consensus verification request sent by the blockchain network, perform consensus verification processing, and send a re-verification passing result to the blockchain network after the verification passes;

after receiving the re-verification passing result sent by the business company node and the outsourcing acceptance company node through the block chain network, the financial institution node identifies the risk levels of different users according to the re-updated full-process loan data information and a pre-established risk level identification model, performs different state operation processing on the users with different risk levels to obtain the latest full-process loan data information, and sends the latest full-process loan data information to the block chain network;

and the business company node and the outsourcing collection company node receive the latest full-process loan data information sent by the block chain network and display the latest full-process loan data information to the user.

In specific implementation, when the business company node monitors that the loan return visit data changes and the outsourcing collection urging company node monitors that the outsourcing collection urging record data changes, a series of subsequent real-time updating full-flow information is carried out according to the changed data, the risk level of the user is identified again, and possibly some users still have partial loans, so that the risk level of the users is reduced, the state of the users can be operated and processed to be in a low risk level state, the original red color is adjusted to be blue color to represent the low risk level state, and the implementation mode improves the efficiency and flexibility of risk monitoring after loan.

In specific implementation, the risk level identification model may be a pre-trained neural network model, the model is established according to a large amount of historical data, the model inputs loan data information of a full process, and the output is a corresponding risk level of a user. By applying the model, the efficiency and the accuracy of user level identification are improved, and the efficiency and the accuracy of monitoring processing after credit can be further improved.

In one embodiment, the financial institution node receives the loan data information of the full process sent through the blockchain network, generates a consensus verification request according to the loan data information of the full process, and sends the consensus verification request to the blockchain network, and may include:

the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process by adopting an asymmetric encryption technology, and sends the consensus verification request to the blockchain network;

the receiving, by the business company node and the outsourcing revenue-collecting company node, the consensus verification request sent through the blockchain network, performing consensus verification processing, and after the verification is passed, sending a verification pass result to the blockchain network may include:

and the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, decrypt the consensus verification request by using a pre-obtained key, then perform the consensus verification processing, and send a verification passing result to the blockchain network after the verification is passed.

In specific implementation, the financial institution nodes adopt an asymmetric encryption technology to encrypt data and link the data, and before the consensus verification processing is performed on the business company nodes and the outsourcing collection company nodes, decryption processing is performed by using a pre-obtained secret key, so that the security of post-credit monitoring processing is further improved by the implementation scheme of the consensus verification.

In an embodiment, the block chain-based post-credit monitoring processing method may further include: when the business company node or the outsourcing collection urging company node fails to pass the verification, sending a verification failure result to the blockchain network;

and after receiving the verification failure result sent by the business company node and/or the outsourcing collection company node through the blockchain network, the financial institution node generates post-credit early warning information and sends the post-credit early warning information to the user.

In specific implementation, the safety of post-loan monitoring processing is further improved by the implementation scheme that the information of loan data is verified to be unreal at each node, a verification failure result is given, and post-loan early warning information is sent to a user (such as a worker of a business company or an outsourcing collection company).

To facilitate an understanding of how the present invention may be practiced, reference is now made to FIG. 2, which is an illustration.

As shown in fig. 2, the step of block chain based post-credit monitoring processing scheme may include:

1: the bank, the business company and the outsourcing collection company are added into the judicial chain to reach mutual identification agreement.

1.1 each node of bank, business company, outsourcing collection company, adding into judicial chain.

1.2 mutual identification protocol needs to be achieved between nodes. The protocol comprises common admission data, shared data and automatic backup data.

1.3 a judicial chain distributes a pair of keys for the joined participating nodes and endows corresponding authority.

2: the bank carries out Hash calculation on loan data information, post-loan interview data (loan return data) and outsourcing collection record data, encrypts the data in an asymmetric encryption mode and then spreads the data to a alliance chain.

The specific process can be as follows: the bank links the loan data information, transmits the data to the business company, adds the loan interview (loan return visit data) of each loan into the loan information, then transmits the data to the outsourcing collection company, and the collection company adds the collection record (the outsourcing collection record data) into the loan information, then signs with the private key, and then spreads the information into the alliance chain.

3: after receiving the information, other nodes perform consensus verification based on a PFFT algorithm.

And 3.1 other nodes continue to perform consensus verification after receiving the loan information.

4: and after the verification, automatically triggering the intelligent contract, identifying the risk level of the user, updating the post-credit state and executing different state operations. And packaging the information of the changed state, loading the information into a new block, adding the new block into a block chain, finally broadcasting the information in the whole network, and enabling each node to know the current real-time full-flow loan data information state to help the staff of each node to carry out work.

Specifically, after the verification (consensus verification) is passed, different levels are customized according to the situation of the customer through big data analysis. With the help of smart contracts, customers of different levels are subjected to different processing operations (such as marking as attention, secondary, suspicious, etc. states). And packaging the information with the changed state, loading the information into a new block, adding the new block into a block chain, and finally broadcasting the new block in the whole network.

In fig. 2, "blockchain storage" represents the storage of uplink information, and the mechanism information is respectively backed up and then stored on the blockchain. The information flow represents the flow direction of the data.

In summary, the post-loan monitoring processing method provided by the embodiment of the invention has the advantages that:

1: linking the data after the loan in the whole process, clearly seeing the whole processes of return visit, money urging, risk investigation and the like after the loan through the block chain, and automatically completing loan processing of risk customers through intelligent contracts.

2: by adopting the intelligent contract technology, one-key processing can be managed after the loan, and the authenticity and the legality of the debt can be determined by utilizing the block chain deposit certificate. The cost of manual examination is saved, the most debt near-adjustment process is greatly shortened, and the benefits of the creditor are better protected.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing method applied to the financial institution node, which is described in the following embodiment. Because the principle of solving the problem of the block chain-based post-loan monitoring processing method applied to the financial institution node is similar to that of the block chain-based post-loan monitoring processing method applied to the system, the implementation of the block chain-based post-loan monitoring processing method applied to the financial institution node can refer to the implementation of the block chain-based post-loan monitoring processing method applied to the system, and repeated parts are not described again.

Fig. 3 is a schematic flowchart of a block chain-based post-loan monitoring processing method applied to a financial institution node according to an embodiment of the present invention, in which nodes of participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; as shown in fig. 3, the method comprises the steps of:

step 201: sending the loan data information to a block chain network;

step 202: receiving loan data information of a full flow sent through a block chain network;

step 203: generating a consensus verification request according to the loan data information of the whole process;

step 204: sending a consensus verification request to a blockchain network;

step 205: after verification passing results sent by the business company node and the outsourcing collection company node through the blockchain network are received, the risk levels of different users are identified according to loan data information of the whole process and a pre-established risk level identification model;

step 206: performing different state operation processing on users with different risk levels to obtain updated full-flow loan data information;

step 207: and sending the updated full-flow loan data information to the block chain network.

In one embodiment, generating the consensus verification request based on the loan data information for the full process may include: and generating a consensus verification request according to the loan data information of the whole process by adopting an asymmetric encryption technology.

In an embodiment, the block chain-based post-credit monitoring processing method may further include: and after receiving the verification failure result sent by the business company node and/or the outsourcing collection company node through the blockchain network, generating post-credit early warning information, and sending the post-credit early warning information to the user.

The embodiment of the invention also provides a block chain-based post-credit monitoring processing method applied to the business company node, which is described in the following embodiment. Because the principle of solving the problem of the block chain-based post-credit monitoring processing method applied to the business company node is similar to that of the block chain-based post-credit monitoring processing method applied to the system, the block chain-based post-credit monitoring processing method applied to the business company node can be implemented by referring to the implementation of the block chain-based post-credit monitoring processing method applied to the system, and repeated parts are not described again.

Fig. 4 is a schematic flowchart of a block chain-based post-loan monitoring processing method applied to a business company node in an embodiment of the present invention, where nodes of participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain-based post-loan monitoring processing method comprises the following steps:

step 301: receiving loan data information sent through a blockchain network;

step 302: adding the loan return visit data into the loan data information to obtain updated loan data information;

step 303: sending the updated loan data information to a block chain network;

step 304: receiving a consensus verification request sent by a block chain network, and performing consensus verification processing;

step 305: after the verification is passed, sending a verification passing result to the block chain network;

step 306: receiving updated full-flow loan data information sent through a block chain network;

step 307: and displaying the updated full-process loan data information to the user.

In one embodiment, receiving a consensus verification request sent through a blockchain network to perform consensus verification processing may include: and receiving a consensus verification request sent by the blockchain network, decrypting the consensus verification request by using a pre-obtained secret key, and then performing consensus verification processing.

In an embodiment, the block chain-based post-credit monitoring processing method may further include: and when the verification fails, sending a verification failure result to the blockchain network.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing method applied to outsourcing collection company nodes, as described in the following embodiment. The principle of solving the problems of the block chain-based post-loan monitoring processing method applied to the outsourced collection company node is similar to that of the block chain-based post-loan monitoring processing method applied to the system, so the block chain-based post-loan monitoring processing method applied to the outsourced collection company node can be implemented by referring to the implementation of the block chain-based post-loan monitoring processing method applied to the system, and repeated parts are not described again.

Fig. 5 is a schematic flowchart of a block chain-based post-loan monitoring processing method applied to outsourced collection company nodes in an embodiment of the present invention, where nodes of participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; as shown in fig. 5, the block chain based post-credit monitoring processing method includes the following steps:

step 401: receiving updated loan data information sent over a blockchain network;

step 402: adding outsourcing collection record data to the updated loan data information to obtain loan data information of the whole process;

step 403: sending the loan data information of the whole process to a block chain network;

step 404: receiving a consensus verification request sent by a block chain network, and performing consensus verification processing;

step 405: after the verification is passed, sending a verification passing result to the block chain network;

step 406: receiving updated full-flow loan data information sent through a block chain network;

step 407: and displaying the updated full-process loan data information to the user.

The embodiment of the invention also provides a block chain-based post-loan monitoring processing system, which is described in the following embodiments. Because the principle of solving the problem of the system is similar to the block chain based post-credit monitoring processing method applied to the system, the implementation of the system can refer to the implementation of the block chain based post-credit monitoring processing method applied to the system, and repeated details are not repeated.

Fig. 6 is a schematic structural diagram of a post-loan monitoring processing system based on a block chain according to an embodiment of the present invention, where nodes of participating parties of the post-loan monitoring processing form a block chain network; as shown in fig. 6, the post-loan monitoring processing participant node includes: financial institution node 01, business company node 02 and outsourcing collection company node 03; wherein:

In one embodiment, the financial institution node may be specifically configured to: the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process by adopting an asymmetric encryption technology, and sends the consensus verification request to the blockchain network;

the business company node and the outsourcing collection-hastening company node may be specifically configured to: and the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, decrypt the consensus verification request by using a pre-obtained key, then perform the consensus verification processing, and send a verification passing result to the blockchain network after the verification is passed.

In one embodiment, the business company node or the outsourcing revenue-accepting company node may be further configured to send the verification failure result to the blockchain network when the verification failure occurs;

the financial institution node can also be used for generating post-credit early warning information after receiving the verification failure result sent by the business company node and/or the outsourcing collection company node through the blockchain network, and sending the post-credit early warning information to the user.

Embodiments of the present invention further provide a block chain based post-loan monitoring processing financial institution node, as described in the following embodiments. Because the principle of solving the problem of the financial institution node is similar to the block chain-based post-loan monitoring processing method applied to the system, the implementation of the financial institution node can refer to the implementation of the block chain-based post-loan monitoring processing method applied to the system, and repeated parts are not described again.

Fig. 7 is a schematic structural diagram of a node of a post-loan monitoring processing financial institution based on a block chain according to an embodiment of the present invention, where nodes of participating parties of the post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; as shown in fig. 7, the block chain based post-loan monitoring processing financial institution node includes:

a first sending unit 011 configured to send the loan data information to the block chain network; sending a consensus verification request to a blockchain network; sending the updated full-flow loan data information to a block chain network;

a first receiving unit 012, configured to receive loan data information of the entire flow transmitted through the blockchain network;

a consensus request generating unit 013, configured to generate a consensus verification request according to the loan data information of the full process;

the identification unit 014 is used for identifying the risk levels of different users according to the loan data information of the whole process and a pre-established risk level identification model after receiving the verification passing results sent by the business company node and the outsourcing revenue company node through the blockchain network;

and the state processing unit 015 is configured to perform different state operation processing on users with different risk levels to obtain updated full-flow loan data information.

In an embodiment, the consensus request generating unit may be specifically configured to: and generating a consensus verification request according to the loan data information of the whole process by adopting an asymmetric encryption technology.

In one embodiment, the node of the financial institution for monitoring and processing after loan based on the block chain may further include: and the early warning unit is used for generating post-credit early warning information after receiving the verification failure result sent by the business company node and/or the outsourcing collection company node through the blockchain network, and sending the post-credit early warning information to the user.

In an embodiment of the present invention, a node of a post-loan monitoring and processing business company based on a block chain is further provided, as described in the following embodiments. Since the principle of the business company node for solving the problem is similar to the block chain based post-loan monitoring processing method applied to the system, the implementation of the business company node can refer to the implementation of the block chain based post-loan monitoring processing method applied to the system, and repeated details are not repeated.

FIG. 8 is a block chain based post-loan monitoring and processing business company node in an embodiment of the invention; after-credit monitoring processing participant nodes form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; as shown in fig. 8, the node of the block chain-based post-credit monitoring processing business company includes:

a second receiving unit 021 for receiving loan data information transmitted through the blockchain network; receiving updated full-flow loan data information sent through a block chain network;

a first addition processing unit 022, configured to add the loan return visit data to the loan data information to obtain updated loan data information;

a second sending unit 023, configured to send the updated loan data information to the blockchain network; after the verification is passed, sending a verification passing result to the block chain network;

a first consensus processing unit 024 configured to receive a consensus verification request sent over a blockchain network, and perform consensus verification processing;

and the first display unit 025 is used for displaying the updated full-flow loan data information to the user.

In an embodiment, the first common identification processing unit may be specifically configured to: and receiving a consensus verification request sent by the blockchain network, decrypting the consensus verification request by using a pre-obtained secret key, and then performing consensus verification processing.

In one embodiment, the second sending unit may be further configured to send the verification failed result to the blockchain network when the verification failed.

In an embodiment of the present invention, a block chain-based post-loan monitoring processing outsourced collection and urging company node is further provided, as described in the following embodiments. Because the principle of the outsourcing collection company node for solving the problem is similar to the block chain-based post-loan monitoring processing method applied to the system, the implementation of the outsourcing collection company node can refer to the implementation of the block chain-based post-loan monitoring processing method applied to the system, and repeated parts are not described again.

Fig. 9 is a schematic structural diagram of a node of an outsourcing collection agency of post-loan monitoring processing based on a block chain in the embodiment of the present invention, where nodes of participating parties of post-loan monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; as shown in fig. 9, the node of the outsourcing collection agency for post-loan monitoring process based on block chain includes:

a third receiving unit 031, configured to receive updated loan data information sent via the blockchain network; receiving updated full-flow loan data information sent through a block chain network;

a second adding processing unit 032, configured to add outsourcing collection-urging record data to the updated loan data information to obtain loan data information of the full flow;

a third sending unit 033, configured to send the loan data information of the full flow to the block chain network; after the verification is passed, sending a verification passing result to the block chain network;

the second consensus processing unit 034 is configured to receive a consensus verification request sent through the blockchain network, and perform consensus verification processing;

and the second display unit 035 is used for displaying the updated full-process loan data information to the user.

In an embodiment, the second consensus processing unit may be specifically configured to: and receiving a consensus verification request sent by the blockchain network, decrypting the consensus verification request by using a pre-obtained secret key, and then performing consensus verification processing.

In one embodiment, the third sending unit may be further configured to: and when the verification fails, sending a verification failure result to the blockchain network.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the post-credit monitoring processing method when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, which stores a computer program for executing the post-credit monitoring processing method.

In the embodiment of the invention, nodes of post-credit monitoring processing participants in a post-credit monitoring processing scheme form a block chain network; the post-loan monitoring processing participant node comprises: financial institution node, commercial company node and outsourcing collection company node, through: the financial institution node sends the loan data information to the block chain network; the business company node receives loan data information sent through the blockchain network, adds loan return visit data into the loan data information to obtain updated loan data information, and sends the updated loan data information to the blockchain network; the outsourcing collection company node receives the updated loan data information sent by the block chain network, adds outsourcing collection record data to the updated loan data information to obtain the loan data information of the whole process, and sends the loan data information of the whole process to the block chain network; the financial institution node receives the loan data information of the whole process sent by the blockchain network, generates a consensus verification request according to the loan data information of the whole process, and sends the consensus verification request to the blockchain network; the business company node and the outsourcing collection company node receive the consensus verification request sent by the blockchain network, perform consensus verification processing, and send verification passing results to the blockchain network after the verification passes; after receiving verification passing results sent by a business company node and an outsourcing acceptance company node through a blockchain network, a convergence organization node identifies risk levels of different users according to loan data information of the whole process and a pre-established risk level identification model, performs different state operation processing on the users of different risk levels to obtain updated whole-process loan data information, and sends the updated whole-process loan data information to the blockchain network; the business company node and the outsourcing collection company node receive the updated full-flow loan data information sent by the block chain network, and display the updated full-flow loan data information to the user, so that the post-loan monitoring processing can be efficiently and safely carried out.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A block chain-based post-credit monitoring processing method is characterized in that a block chain network is formed by nodes of participants of post-credit monitoring processing; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain-based post-loan monitoring processing method comprises the following steps:

2. The method of claim 1, wherein the financial institution node receives full-flow loan data information transmitted through the blockchain network, generates a consensus verification request according to the full-flow loan data information, and transmits the consensus verification request to the blockchain network, the method comprising:

the business company node and outsourcing collection company node receive the consensus verification request sent through the blockchain network, carry out the consensus verification processing, and after the verification is passed, send the verification passing result to the blockchain network, including:

3. The blockchain-based post-credit monitoring processing method of claim 1, further comprising:

when the business company node or the outsourcing collection urging company node fails to pass the verification, sending a verification failure result to the blockchain network;

4. A block chain-based post-credit monitoring processing method is characterized in that a block chain network is formed by nodes of participants of post-credit monitoring processing; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain-based post-loan monitoring processing method comprises the following steps:

sending the loan data information to a block chain network;

sending a consensus verification request to a blockchain network;

5. The method of claim 4, wherein generating a consensus verification request based on the full-flow loan data information comprises: and generating a consensus verification request according to the loan data information of the whole process by adopting an asymmetric encryption technology.

6. The blockchain-based post-credit monitoring processing method of claim 4, further comprising: and after receiving the verification failure result sent by the business company node and/or the outsourcing collection company node through the blockchain network, generating post-credit early warning information, and sending the post-credit early warning information to the user.

7. A block chain-based post-credit monitoring processing method is characterized in that a block chain network is formed by nodes of participants of post-credit monitoring processing; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain-based post-loan monitoring processing method comprises the following steps:

receiving loan data information sent through a blockchain network;

sending the updated loan data information to a block chain network;

and displaying the updated full-process loan data information to the user.

8. The blockchain-based post-credit monitoring processing method of claim 7, wherein receiving a consensus verification request sent over a blockchain network to perform a consensus verification process comprises: and the merchant receives the consensus verification request sent by the blockchain network, decrypts the consensus verification request by using a pre-obtained secret key, and then performs consensus verification processing.

9. The blockchain-based post-credit monitoring processing method of claim 7, further comprising: and when the verification fails, sending a verification failure result to the blockchain network.

10. A block chain-based post-credit monitoring processing method is characterized in that a block chain network is formed by nodes of participants of post-credit monitoring processing; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain-based post-loan monitoring processing method comprises the following steps:

receiving updated loan data information sent over a blockchain network;

and displaying the updated full-process loan data information to the user.

11. The blockchain-based post-credit monitoring processing method of claim 10, wherein receiving a consensus verification request sent over a blockchain network to perform the consensus verification process comprises: and receiving a consensus verification request sent by the blockchain network, decrypting the consensus verification request by using a pre-obtained secret key, and then performing consensus verification processing.

12. The block chain-based post-credit monitoring processing method of claim 10, further comprising: and when the verification fails, sending a verification failure result to the blockchain network.

13. A post-credit monitoring processing system based on a block chain is characterized in that nodes of a participant of post-credit monitoring processing form a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; wherein:

14. A credit post monitoring processing financial institution node based on a block chain is characterized in that a block chain network is formed by credit post monitoring processing participant nodes; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the block chain based post-loan monitoring processing financial institution node comprises:

15. A post-credit monitoring processing business company node based on a block chain is characterized in that a post-credit monitoring processing participant node forms a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the post-loan monitoring and processing business company node based on the block chain comprises:

16. A post-loan monitoring processing outsourcing collection company node based on a block chain is characterized in that a post-loan monitoring processing participant node forms a block chain network; the post-loan monitoring processing participant node comprises: financial institution nodes, business company nodes and outsourcing collection company nodes; the post-loan monitoring and processing outsourcing collection urging company node based on the block chain comprises:

17. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 12 when executing the computer program.

18. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 12.