CN112308708A - Loan method and device based on non-block chain intelligent contract and electronic equipment - Google Patents
Loan method and device based on non-block chain intelligent contract and electronic equipment Download PDFInfo
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Abstract
The application provides a loan method, a loan device and electronic equipment based on a non-block chain intelligent contract, which are applied to the technical field of intelligent contracts, wherein the loan method comprises the following steps: receiving a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by each party of the electronic contract based on a digital certificate of each party of the electronic contract; the loan request is checked based on a preset intelligent contract, and the intelligent contract is an intelligent contract authenticated by a first third-party authentication institution; and determining whether to release the loan according to the auditing result. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
Description
Technical Field
The application relates to the technical field of intelligent contracts, in particular to a loan method and device based on non-block chain intelligent contracts and electronic equipment.
Background
The order pledge loan is a short-term mobile fund loan which is provided by a financial institution to a seller by taking an order provided by the seller in a trading party as a pledge, providing guarantee and committing to assist in withdrawing by a buyer and a guarantee person, and taking the order corresponding to expected goods payment as a main payment source.
The order pledge loan can relieve the problem of difficult loan of enterprises to a certain extent, but the examination of the existing order pledge loan is realized by a manual examination mode, namely, the legality of the order is manually determined, and whether the loan request is legal or not is manually determined. The existing manual auditing mode has the problems of low efficiency and incapability of realizing traceability.
Disclosure of Invention
The application provides a loan method, a loan device and electronic equipment based on non-block chain intelligent contracts, which are used for realizing automatic audit of order pledge loans and simultaneously realizing audit, and the technical scheme adopted by the application is as follows:
in a first aspect, there is provided a method of non-blockchain intelligent contract-based loan, the method comprising,
receiving a loan request sent out based on a pre-signed electronic contract order, wherein the electronic contract order comprises digital signatures made by each party of an electronic contract based on a digital certificate of each party of the electronic contract;
auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority;
and determining whether to release the loan according to the auditing result of the auditing.
Optionally, the parties to the electronic contract include a seller of the contract, a buyer, and a guarantor.
Optionally, the receiving a loan request issued based on a pre-signed electronic contract order includes:
receiving application materials sent by a seller through a trusted channel, wherein the application materials comprise the electronic contract order and identity authentication information of the seller;
and writing the hash value of the application material into a loan information management module of the intelligent contract.
Optionally, the auditing the loan request includes:
and determining whether an order signing record matched with the electronic contract order exists in order signing records of a second third-party certification authority.
Optionally, the auditing the loan request further includes:
determining a buyer corresponding to the electronic order contract;
acquiring confirmation information of the buyer on the electronic order contract;
and writing the hash value of the confirmation information into a loan information management module of the intelligent contract.
Optionally, the method further comprises:
acquiring credit investigation information of at least one of the seller, the buyer and the guarantor from a credit investigation institution;
and writing the hash value of the credit investigation information of at least one of the seller, the buyer and the guarantor into a loan information management module of the intelligent contract.
Optionally, the loan request includes a loan amount, the method further comprising:
determining the maximum loan amount of the seller based on the pre-signed electronic contract order;
determining whether the loan amount passes based on a maximum loan amount of the seller;
determining whether the loan request passes based on whether the loan amount passes.
In a second aspect, there is provided a non-blockchain intelligent contract-based loan apparatus, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a loan request sent out based on an electronic contract order signed in advance, and the electronic contract order comprises digital signatures made by all parties of an electronic contract based on own digital certificates;
the auditing module is used for auditing the loan request based on a preset intelligent contract, and the intelligent contract is an intelligent contract authenticated by a first third-party authentication institution;
and the first determining module is used for determining whether to release the loan according to the auditing result of the auditing.
Optionally, the parties to the electronic contract include a seller, a buyer, and a sponsor.
Optionally, the receiving module includes:
the receiving unit is used for receiving application materials sent by a seller through a trusted channel, wherein the application materials comprise the electronic contract order and identity authentication information of the seller;
and the first writing unit is used for writing the hash value of the application material into the loan information management module of the intelligent contract.
Optionally, the auditing module includes:
and the determining unit is used for determining whether an order signing record matched with the electronic contract order exists in the order signing record of the second third-party certification authority.
Optionally, the auditing module includes:
the determining unit is used for determining a buyer corresponding to the electronic order contract;
an acquisition unit, configured to acquire confirmation information of the electronic order contract from the buyer;
and the second writing unit is used for writing the hash value of the confirmation information into the loan information management module of the intelligent contract.
Optionally, the apparatus further comprises:
the acquisition module is used for acquiring credit investigation information of at least one of the seller, the buyer and the guarantor from a credit investigation institution;
and the writing module is used for writing the hash value of the credit investigation information of at least one of the seller, the buyer and the guarantor into the loan information management module of the intelligent contract.
Optionally, the loan request includes a loan amount, the apparatus further comprising:
the second determination module is used for determining the maximum loan amount of the seller based on the electronic contract orders signed in advance;
the third determining module is used for determining whether the loan amount passes or not based on the maximum loan amount of the seller;
and the fourth determination module is used for determining whether the loan request passes or not based on whether the loan amount passes or not.
In a third aspect, an electronic device is provided, which includes:
one or more processors;
a memory;
one or more application programs, wherein the one or more application programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: the non-blockchain intelligent contract-based loan method shown in the first aspect is performed.
In a fourth aspect, there is provided a computer-readable storage medium for storing computer instructions which, when run on a computer, cause the computer to perform the non-blockchain intelligent contract-based loan method of the first aspect.
Compared with the prior art that order pledge loan auditing is realized in a manual mode, the loan method, the loan device and the electronic equipment based on the non-block chain intelligent contract receive a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by all parties of an electronic contract respectively based on a digital certificate of the parties; auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority; and determining whether to release the loan according to the auditing result of the auditing. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic flow chart illustrating a non-blockchain intelligent contract-based loan method according to an embodiment of the present disclosure;
fig. 2 is a schematic structural diagram of a loan apparatus based on non-blockchain intelligent contracts according to an embodiment of the present application;
fig. 3 is a schematic structural diagram of an electronic device according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Example one
The embodiment of the application provides a loan method based on non-block chain intelligent contracts, and as shown in fig. 1, the method may include the following steps:
step S101, receiving a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by each party of the electronic contract based on a digital certificate of each party of the electronic contract;
step S102, checking the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party authentication institution;
and step S103, determining whether to release the loan according to the checking result of the checking.
For example, an application scenario of the embodiment of the application is that for enterprises, particularly small and medium-sized enterprises and individual industrial and commercial enterprises, the scale is small, the investment cost is low in the aspects of information collection and market analysis, and the development of the enterprises is easily influenced by factors such as whether the economy is good, whether the financial environment is good, and the size of industrial change. The method brings challenges to stable operation of enterprises, also causes a series of problems of difficult loan and financing of the enterprises and the like, and restricts the development of the enterprises to a certain extent. The problem of difficult loan of enterprises can be relieved to a certain extent by order mortgage loan.
Specifically, the financial institution may receive a loan request issued by the lender based on a pre-signed electronic contract order; the electronic contract order comprises digital signatures made by all parties of the electronic contract based on digital certificates of all parties, so that the authenticity of all parties is ensured; and then, the loan request is audited based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority instead of the intelligent contract based on the block chain, so that each party does not need to build a block chain node, and the service implementation is simplified. And finally, determining whether to release the loan according to the verification result, specifically, if the verification is passed, the financial institution signs a loan agreement with the loan requester, and sends the loan to the loan requester according to the loan agreement. Specifically, the loan issuing mode can also be determined according to the information of the lender.
Compared with the prior art that order pledge loan auditing is realized in a manual mode, the loan request sent out based on the electronic contract order signed in advance is received, wherein the electronic contract order comprises digital signatures made by all parties of the electronic contract based on own digital certificates respectively; auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority; and determining whether to release the loan according to the auditing result of the auditing. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
The embodiment of the application provides a possible implementation manner, and specifically, each party of the electronic contract comprises a contract seller, a contract buyer and a guarantee party.
Specifically, each party of the electronic contract may include a seller, a buyer and a guarantor, where the seller, the buyer and the guarantor are not limited to one, that is, there may be multiple sellers, multiple buyers and multiple guarantors, where the guarantor may be a general guarantor or a joint guarantor.
The embodiment of the present application provides a possible implementation manner, and specifically, the receiving a loan request issued based on an electronic contract order signed in advance includes:
receiving application materials sent by a seller through a trusted channel, wherein the application materials comprise the electronic contract order and identity authentication information of the seller; wherein, the seller can be any seller in the electronic contract.
And writing the hash value of the application material into a loan information management module of the intelligent contract. In particular, the intelligent contract may be configured with a loan information management module for managing individual loan transactions.
Optionally, the auditing the loan request includes:
and determining whether an order signing record matched with the electronic contract order exists in order signing records of a second third-party certification authority. Specifically, the electronic contract may be a contract authenticated by a third-party certification authority, so as to ensure the authenticity of the contract, and if the order signing record of the third-party certification authority includes an order signing record matched with the electronic contract order, the loan request is continuously checked, and if no corresponding record exists, the loan request is stopped from being checked, and a risk is prompted. The first third-party certification authority may be the same authority or two authorities.
Optionally, the auditing the loan request further includes:
determining a buyer corresponding to the electronic order contract;
acquiring confirmation information of the buyer on the electronic order contract;
and writing the hash value of the confirmation information into a loan information management module of the intelligent contract.
And then writing the hash value of the confirmation information of the guarantor on the electronic order contract into the loan information management module of the intelligent contract.
Optionally, the method further comprises:
acquiring credit investigation information of at least one of the seller, the buyer and the guarantor from a credit investigation institution; if the credit investigation information of the seller, the buyer and the guarantor is low, the risk of the electronic contract is high, the risk can be prompted, and the loan request is not passed.
And writing the hash value of the credit investigation information of at least one of the seller, the buyer and the guarantor into a loan information management module of the intelligent contract.
Optionally, the loan request includes a loan amount, the method further comprising:
determining the maximum loan amount of the seller based on the pre-signed electronic contract order;
determining whether the loan amount passes based on a maximum loan amount of the seller;
determining whether the loan request passes based on whether the loan amount passes.
Specifically, an evaluation price of the third-party evaluation institution concerning the electronic contract may be obtained, and then the maximum loan amount of the seller is determined based on the evaluation price, and if the loan amount of the loan requester exceeds the maximum loan amount of the seller, the loan amount of the borrower is approved within the maximum loan amount.
The intelligent contract can be configured with a remote calling module for actively inquiring the evaluation price of the electronic contract related to the target from a third-party evaluation mechanism.
Example two
Fig. 2 is a non-blockchain intelligent contract-based loan apparatus provided in an embodiment of the present application, where the apparatus 20 includes: a receiving module 201, an auditing module 202, a first determining module 203, wherein,
a receiving module 201, configured to receive a loan request issued based on an electronic contract order signed in advance, where the electronic contract order includes digital signatures made by each party of an electronic contract based on their own digital certificate;
the auditing module 202 is used for auditing the loan request based on a preset intelligent contract, and the intelligent contract is an intelligent contract authenticated by a first third-party authentication institution;
and the first determination module 203 is used for determining whether to release the loan according to the auditing result of the auditing.
Optionally, the parties to the electronic contract include a seller, a buyer, and a sponsor.
Optionally, the receiving module includes:
the receiving unit is used for receiving application materials sent by a seller through a trusted channel, wherein the application materials comprise the electronic contract order and identity authentication information of the seller;
and the first writing unit is used for writing the hash value of the application material into the loan information management module of the intelligent contract.
Optionally, the auditing module includes:
and the determining unit is used for determining whether an order signing record matched with the electronic contract order exists in the order signing record of the second third-party certification authority.
Optionally, the auditing module includes:
the determining unit is used for determining a buyer corresponding to the electronic order contract;
an acquisition unit, configured to acquire confirmation information of the electronic order contract from the buyer;
and the second writing unit is used for writing the hash value of the confirmation information into the loan information management module of the intelligent contract.
Optionally, the apparatus further comprises:
the acquisition module is used for acquiring credit investigation information of at least one of the seller, the buyer and the guarantor from a credit investigation institution;
and the writing module is used for writing the hash value of the credit investigation information of at least one of the seller, the buyer and the guarantor into the loan information management module of the intelligent contract.
Optionally, the loan request includes a loan amount, the apparatus further comprising:
the second determination module is used for determining the maximum loan amount of the seller based on the electronic contract orders signed in advance;
the third determining module is used for determining whether the loan amount passes or not based on the maximum loan amount of the seller;
and the fourth determination module is used for determining whether the loan request passes or not based on whether the loan amount passes or not.
Compared with the prior art that order pledge loan auditing is realized in a manual mode, the loan device based on the non-block chain intelligent contract receives a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by each electronic contract party based on a digital certificate of each electronic contract party; auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority; and determining whether to release the loan according to the auditing result of the auditing. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
The apparatus of the embodiment of the present application can execute the method shown in the first embodiment of the present application, and the implementation effect is similar, which is not described herein again.
EXAMPLE III
An embodiment of the present application provides an electronic device, as shown in fig. 3, an electronic device 30 shown in fig. 3 includes: a processor 301 and a memory 303. Wherein processor 301 is coupled to memory 303, such as via bus 302. Further, the electronic device 30 may also include a transceiver 304. It should be noted that the transceiver 304 is not limited to one in practical applications, and the structure of the electronic device 30 is not limited to the embodiment of the present application. The processor 301 is applied to the embodiment of the present application, and is used to implement the functions of the modules shown in fig. 2. The transceiver 304 includes a receiver and a transmitter.
The processor 301 may be a CPU, general purpose processor, DSP, ASIC, FPGA or other programmable logic device, transistor logic device, hardware component, or any combination thereof. Which may implement or perform the various illustrative logical blocks, modules, and circuits described in connection with the disclosure. The processor 301 may also be a combination of computing functions, e.g., comprising one or more microprocessors, a combination of a DSP and a microprocessor, or the like.
The memory 303 is used for storing application program codes for executing the scheme of the application, and the processor 301 controls the execution. The processor 301 is configured to execute application program code stored in the memory 303 to implement the functions of the apparatus provided by the embodiment shown in fig. 2.
Compared with the prior art that order pledge loan auditing is realized manually, the electronic equipment receives a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by each electronic contract party based on a digital certificate of each electronic contract party; auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority; and determining whether to release the loan according to the auditing result of the auditing. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
The embodiment of the present application provides an electronic device suitable for the above method embodiment, and specific implementation manners and technical effects are not described herein again.
Example four
Embodiments of the present application provide a computer-readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the computer program implements the non-blockchain intelligent contract-based loan method shown in the above embodiments.
Compared with the prior art that order pledge loan auditing is realized manually, the method receives a loan request sent out based on an electronic contract order signed in advance, wherein the electronic contract order comprises digital signatures made by each electronic contract party based on a digital certificate of each electronic contract party; auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority; and determining whether to release the loan according to the auditing result of the auditing. The method and the system realize the automatic auditing of the order pledge loan based on the intelligent contract of the third party authentication, and improve the auditing efficiency of the order pledge loan.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of execution is not necessarily sequential, but may be alternated or performed with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.
Claims (10)
1. A non-blockchain intelligent contract-based loan method, comprising:
receiving a loan request sent out based on a pre-signed electronic contract order, wherein the electronic contract order comprises digital signatures made by each party of an electronic contract based on a digital certificate of each party of the electronic contract;
auditing the loan request based on a preset intelligent contract, wherein the intelligent contract is an intelligent contract authenticated by a first third-party certificate authority;
and determining whether to release the loan according to the auditing result of the auditing.
2. The method of claim 1, wherein the parties to the electronic contract include a seller, a buyer, and a guarantor of the contract.
3. The method of claim 1 or 2, wherein receiving a loan request based on a pre-signed electronic contract order comprises:
receiving application materials sent by a seller through a trusted channel, wherein the application materials comprise the electronic contract order and identity authentication information of the seller;
and writing the hash value of the application material into a loan information management module of the intelligent contract.
4. The method of claim 1 or 2, wherein reviewing the loan request comprises:
and determining whether an order signing record matched with the electronic contract order exists in order signing records of a second third-party certification authority.
5. The method of claim 4, wherein the loan request is audited, further comprising:
determining a buyer corresponding to the electronic order contract;
acquiring confirmation information of the buyer on the electronic order contract;
and writing the hash value of the confirmation information into a loan information management module of the intelligent contract.
6. The method of claim 4, further comprising:
acquiring credit investigation information of at least one of the seller, the buyer and the guarantor from a credit investigation institution;
and writing the hash value of the credit investigation information of at least one of the seller, the buyer and the guarantor into a loan information management module of the intelligent contract.
7. The method of claim 6, wherein the loan request includes a loan amount, the method further comprising:
determining the maximum loan amount of the seller based on the pre-signed electronic contract order;
determining whether the loan amount passes based on a maximum loan amount of the seller;
determining whether the loan request passes based on whether the loan amount passes.
8. A non-blockchain intelligent contract-based loan apparatus, comprising:
the system comprises a receiving module, a processing module and a processing module, wherein the receiving module is used for receiving a loan request sent out based on an electronic contract order signed in advance, and the electronic contract order comprises digital signatures made by all parties of an electronic contract based on own digital certificates;
the auditing module is used for auditing the loan request based on a preset intelligent contract, and the intelligent contract is an intelligent contract authenticated by a first third-party authentication institution;
and the first determining module is used for determining whether to release the loan according to the auditing result of the auditing.
9. An electronic device, comprising:
one or more processors;
a memory;
one or more applications, wherein the one or more applications are stored in the memory and configured to be executed by the one or more processors, the one or more programs configured to: performing a non-blockchain intelligent contract-based loan method according to any one of claims 1 to 7.
10. A computer-readable storage medium for storing computer instructions which, when executed on a computer, cause the computer to perform the non-blockchain intelligent contract-based loan method of any one of claims 1 to 7.
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| Application Number | Priority Date | Filing Date | Title |
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| CN202011319779.5A CN112308708A (en) | 2020-11-23 | 2020-11-23 | Loan method and device based on non-block chain intelligent contract and electronic equipment |
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| CN202011319779.5A CN112308708A (en) | 2020-11-23 | 2020-11-23 | Loan method and device based on non-block chain intelligent contract and electronic equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114037511A (en) * | 2021-11-05 | 2022-02-11 | 深圳市溯原科技有限公司 | Supply chain order processing method, system, auditing platform, equipment and storage medium |
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