CN112884562A - Block chain-based mortgage processing method and device and readable storage medium - Google Patents
Block chain-based mortgage processing method and device and readable storage medium Download PDFInfo
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Abstract
The embodiment of the invention discloses a block chain-based mortgage processing method, a device and a readable storage medium, wherein the method comprises the following steps: acquiring identity information of participating institutions for carrying out mortgage processing based on a block chain technology, and establishing a alliance chain; obtaining a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data; and calling an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group. The embodiment of the invention can use the block chain technology as the bottom layer technology to carry out the mortgage processing, reduce the investment of labor cost and simplify the operation and maintenance complexity.
Description
Technical Field
The present invention relates to the field of blockchains and financial technologies, and in particular, to a method and an apparatus for processing a mortgage based on a blockchain, and a computer-readable storage medium.
Background
In a conventional mortgage, a user first issues a loan application to a bank or a small loan company, and the bank verifies mortgages such as real estate, land, vehicles, and the like, and performs operations such as valuation and loan issuance. When institutions such as banks and small credit companies evaluate the value of the submitted collateral, the ownership status of the collateral needs to be inquired manually on relevant units such as a housing administration; after the institutions such as banks and small loan companies send loans to users, the state of the mortgage needs to be updated from the units such as the administration of housing and management; after the user returns the loan, the organization such as the bank, the lending company, etc. needs to release the collateral and update the status of the collateral ownership.
It can be seen that, in the prior art, the state of the mortgage ownership needs to be manually queried on site, excessive manpower and material resources are needed, the state of the mortgage ownership cannot be updated in real time, and the phenomenon of cheating and lending the mortgage for the second time may occur, which causes the cost to be too high.
Disclosure of Invention
The embodiment of the invention provides a block chain-based mortgage processing method and device and a computer-readable storage medium, which can be used for carrying out mortgage processing through a block chain and saving manpower and material resources.
In a first aspect, an embodiment of the present invention provides a block chain-based mortgage processing method, including:
acquiring identity information of participating institutions for carrying out mortgage processing based on a block chain technology, and establishing a alliance chain; obtaining a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data; and calling an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group.
Based on the first aspect, in a possible implementation manner, the obtaining identity information of participating enterprises based on a blockchain technique, and establishing a federation chain includes: taking a block chain technology as a bottom layer technology, and acquiring identity information of participating institutions; deploying alliance link nodes for the participating enterprises according to the identity information; and forming the alliance chain nodes into an alliance chain.
Based on the first aspect, in a possible implementation manner, the performing, according to the mortgage application, multi-group deployment on the federation chain, and generating one or more groups includes: and performing multi-group deployment on the alliance chain according to the service scene of the mortgage application through a group architecture technology, and dividing the alliance chain nodes in the alliance chain into one or more groups.
Based on the first aspect, in a possible implementation manner, the invoking an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group includes: the mortgage application comprises identity information or mortgage information of a mortgage party, and intelligent contracts are called to store the identity information or the mortgage information on a alliance chain; and verifying the mortgage information or the identity information in the corresponding generated group through the intelligent contract.
Based on the first aspect, in a possible implementation manner, the verifying the mortgage information or the identity information by the intelligent contract includes: verifying the authenticity of the identity information or the mortgage information to obtain first verification information, and storing the first verification information to a alliance chain; inquiring the state of the mortgage information and synchronizing the information data obtained by inquiry to a alliance chain; and evaluating the mortgage information according to the information data, and storing the evaluation result to a alliance chain.
Based on the first aspect, in a possible implementation manner, the participation mechanism includes: a mechanism for receiving collateral and dispensing loans, a mechanism for evaluating collateral, and a mechanism for querying the status of collateral.
In a second aspect, an embodiment of the present invention provides a block chain-based mortgage processing apparatus, including:
the acquisition establishing unit is used for acquiring the identity information of the participating institutions for carrying out the mortgage processing based on the block chain technology and establishing a alliance chain;
the system comprises an acquisition generating unit, a processing unit and a processing unit, wherein the acquisition generating unit is used for acquiring a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data;
and the calling processing unit is used for calling the intelligent contract according to the mortgage application and carrying out mortgage processing through the generated group.
In a third aspect, an embodiment of the present invention provides a block chain-based mortgage processing device, which includes a processor, where the processor is configured to call a stored block chain-based mortgage processing program, for executing the instructions of the steps in the first aspect of the embodiment of the present invention.
In a fourth aspect, the present invention provides a computer-readable storage medium, where the computer-readable storage medium stores a computer program for performing a blockchain-based mortgage process, where the computer program enables a computer to perform some or all of the steps described in the first aspect of the present invention.
The identity of a participating organization which carries out mortgage processing is obtained to establish the alliance chain for the deploying node of the participating organization which carries out mortgage processing, the alliance chain is deployed in multiple groups according to the obtained mortgage application to generate one or more groups, then the intelligent contract is called according to the mortgage application, and the mortgage processing is carried out through the generated groups. By the embodiment of the invention, the block chain technology can be used as the bottom layer technology to carry out mortgage processing, so that the datamation of the mortgage processing is realized; the group architecture can enable each group to operate independently, thereby simplifying the operation and maintenance complexity and reducing the operation cost of the computer; through closing to go out mortgage processing procedure based on intelligence, can reduce the input of cost of labor to can raise the efficiency.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments or the background art of the present invention, the drawings required to be used in the embodiments or the background art of the present invention will be described below.
Fig. 1A is a schematic diagram of a network architecture of a block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 1B is a schematic system of a block chain-based federation network architecture according to an embodiment of the present invention;
fig. 2 is a scene diagram of a block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 3 is a schematic flowchart of a block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 4 is an interface schematic diagram of a block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 5 is a schematic flowchart of another block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 6 is a schematic flowchart of another block chain-based mortgage processing method according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a block chain-based mortgage processing apparatus 700 according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a block chain-based mortgage processing device according to an embodiment of the present invention.
Detailed Description
The embodiments of the present invention will be described below with reference to the drawings.
The terms "first," "second," "third," and "fourth," etc. in the description and claims of this application and in the accompanying drawings are used for distinguishing between different objects and not for describing a particular order. Furthermore, the terms "include" and "have," as well as any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
Reference herein to "an embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the application. The appearances of the phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are separate or alternative embodiments mutually exclusive of other embodiments. It is explicitly and implicitly understood by one skilled in the art that the embodiments described herein can be combined with other embodiments.
As used in this specification, the terms "component," "module," "system," and the like are intended to refer to a computer-related entity, either hardware, firmware, a combination of hardware and software, or software in execution. For example, a component may be, but is not limited to being, a process running on a processor, an object, an executable, a thread of execution, a program, and/or a computer. By way of illustration, both an application running on a computing device and the computing device can be a component. One or more components can reside within a process and/or thread of execution and a component can be localized on one computer and/or distributed between 2 or more computers. In addition, these components can execute from various computer readable media having various data structures stored thereon. The components may communicate by way of local and/or remote processes such as in accordance with a signal having one or more data packets (e.g., data from two components interacting with another component in a local system, distributed system, and/or across a network such as the internet with other systems by way of the signal).
Referring to fig. 1A, fig. 1A is a schematic diagram of a network architecture of a block chain-based mortgage processing method according to an embodiment of the present invention. The network architecture in this application may include the blockchain-based alliance-chain network 106, terminal device 101, terminal device 102, terminal device 103 and terminal device 104 of fig. 1A and the blockchain-based service platform 105, where the terminal device 101 may be an electronic device used by an institution (such as a commercial bank or a small loan company) that receives collateral and sends loans, the terminal device 102 may be an electronic device used by an evaluation institution, the terminal device 103 may be an electronic device used by an institution (such as a car bureau, a house administration and a national soil office) that queries for collateral status, and the terminal device 104 may be an electronic device used by a user, which may include, but is not limited to, a wearable device, a head-mounted device, a personal computer, a server computer, a handheld or laptop device, a mobile device (such as a mobile phone, a mobile, Personal Digital Assistants (PDAs), media players, etc.).
It can be understood that some terminal devices are not willing to perform data synchronization with other terminal devices due to privacy or business requirements, and may perform multi-group deployment on the alliance chain network 106 based on a group architecture of a block chain, as shown in fig. 1B, fig. 1B is a system for illustrating an alliance chain network architecture based on a block chain according to an embodiment of the present invention, where the alliance chain network 106 includes at least one group 108, each group has an independent consensus mechanism and records data through respective intelligent contracts, consensus in one group is not affected by other groups, each group has an independent ledger, maintains its own transaction and data, so that each group is decoupled to operate independently, and better privacy isolation can be achieved. Each group may include a plurality of nodes, and a node may also belong to a plurality of different groups, that is, a plurality of groups may share a node, nodes in the same group may be connected to each other through TCP/IP (Transmission Control Protocol/Internet Protocol ) to perform shared synchronization of data, and nodes not in the same group may not share synchronized data, thereby playing a certain role in data protection. And the group architecture can participate in different multi-party cooperative services or divide one service into groups according to the dimensions of users, time and the like, and can be quickly expanded in parallel, so that the operation and maintenance complexity is greatly simplified and the management cost is reduced when the service scale is enlarged.
Referring to fig. 2, fig. 2 is a diagram of a scenario of a mortgage processing method based on a block chain according to an embodiment of the present invention, where the terminal device 101 in the embodiment corresponding to fig. 1A is an electronic device used by an organization 201 for receiving mortgages and issuing loans. Take the terminal device 102 as an example of an electronic device used by the collateral evaluation entity 202. Take the terminal device 103 as an example of an electronic device used by the mechanism 203 for inquiring about the status of the collateral. Take the terminal device 104 as an example of an electronic device used by the user 204. The entities may register identity information on the blockchain service platform 106 before accessing the node 107 on the federation chain network 106 through the blockchain service platform 105. The blockchain service platform 105 may generate a public key and a private key for each of the organizations, and generate the unique id of each of the organizations according to the private key by using a specific rule, and the blockchain service platform 105 may store the unique id and the public key on the federation chain network 106, and return the private key to the organizations in the form of an index value.
Therefore, when the user 204 submits the collateral information of the collateral through the blockchain service platform 105, after the data digest of the extracted collateral information needs to be signed by the private key, the blockchain service platform 105 calls the intelligent contract 205A recorded in the intelligent contract 205, and stores the record of the collateral information on the alliance chain network 106; when the user 204 selects the institution 201 for receiving the collateral and issuing the loan to initiate a loan application, the institution 201 for receiving the collateral and issuing the loan can submit the collateral information of the collateral to be audited to the institution 202 for evaluating the collateral under the authorization entrustment of the user 204, the institution 201 for receiving the collateral and issuing the loan can also store the record of the collateral information of the accepted collateral on the alliance link network 106 by calling the intelligent contract 205, and simultaneously store the contract signed by the user 204 by calling the intelligent contract 205B; when the collateral evaluating entity 202 receives collateral information submitted by the collateral receiving and loan issuing entity 201, it may audit the information.
First, the identity information, the account, the marriage, and the collateral certification may be verified based on the blockchain business platform 105; for example, based on the federation chain node 107 deployed by the bureau of housing administration institution 203, the institution 203 querying the state of the collateral can synchronize the collateral information into the federation chain network 106, the institution 202 evaluating the collateral can verify the collateral information based on the blockchain service platform 105, and can also confirm whether the collateral is mortgaged for multiple times, and the institution 202 evaluating the collateral can store the result of the audit record of the collateral information into the federation chain network 106. After the mortgage information submitted by the user is evaluated, the mortgage evaluating organization 202 summarizes the evaluation results, stores the evaluation results on the alliance link network 106, and returns the evaluation results to the mortgage receiving and loan issuing organization 201. The institution 201 receiving collateral and issuing loan may query the assessment result of the corresponding user 204 through the block chain service platform 105, the institution 201 receiving collateral and issuing loan may decide whether to release money for the user 204 according to the assessment result, may automatically execute a release flow based on the intelligent contract 205, and the intelligent contract 205 may determine according to the state and then issue loan.
It will be appreciated that the user 204 fills in the personal bank account information at the time of submission of the loan application, and may be credited to this account after approval by the commercial banking institution 201. After obtaining the information of the mortgage through the blockchain service platform 105, the mechanism 203 for querying the state of the mortgage can store the state change record of the mortgage on the alliance chain network 106. It can be seen that the alliance link nodes corresponding to the user 204, the mortgage receiving and loan issuing institution 201, the mortgage evaluating institution 202 and the mortgage state inquiring institution 203 are a group, and data in the group can be synchronously shared.
Taking the mortgage of the user 204 as an example for explanation in the embodiment of the invention shown in fig. 2, it can be understood that the mortgage can also be information of house property, land and the like, when the mortgage information is a vehicle, the mortgage information can include a unique identification code of the vehicle, driving license information and the like, the vehicle information is synchronized into the alliance chain network 106 through the vehicle management organization, the evaluation organization can verify the vehicle information based on the block chain service platform 105, when the user 204 selects the commercial bank organization as the organization 201 for receiving the mortgage and issuing the loan, the verification message can be sent to the organization 201 for receiving the mortgage and issuing the loan, and it can be seen that alliance chain nodes respectively corresponding to the user 204, the commercial bank organization, the evaluation organization 202 and the vehicle management organization are a group, and data in the group can be synchronously shared; when the mortgage of the user 204 is a real estate, the mortgage information can include information such as a real estate certificate number and a specific location position, the mechanism for inquiring the state of the mortgage can be a housing administration mechanism, when the user 204 selects a small credit company as the mechanism 201 for receiving the mortgage and issuing a loan, corresponding alliance link nodes of the user 204, the small credit company, the evaluation mechanism 202 and the housing administration mechanism are respectively a group, and data in the group can be synchronously shared; it can be seen that the housing administration institution and the vehicle administration institution and the lending company and the commercial bank may not need to share data because there may not be a business relationship in the embodiment of the present invention, so for data protection, the nodes where the housing administration institution and the vehicle administration institution and the lending company and the commercial bank are located are divided into two groups. It is understood that the nodes of the bureau of housing and vehicle administration, and the points of the lending company and the commercial bank may be in the same group when the business relationship changes.
It is understood that the network architecture in fig. 1A, 1B and 2 is only an exemplary implementation manner in the embodiment of the present invention, and the system architecture in the embodiment of the present invention includes, but is not limited to, the above system architecture.
Referring to fig. 3, fig. 3 is a schematic flow chart of a block chain-based mortgage processing method according to an embodiment of the present invention, where the method includes, but is not limited to, the following steps:
301, acquiring identity information of participating institutions performing mortgage processing based on a block chain technology, and establishing a alliance chain;
specifically, participating organizations (the participating organizations correspond to the terminal device 101, the terminal device 102, the terminal device 103, and the terminal device 104 in the embodiment corresponding to fig. 1A) register identities on a blockchain platform, where the blockchain platform is based on the blockchain infrastructure as an underlying technology, and the blockchain infrastructure can provide decentralized distributed storage, which can ensure permission of blockchains and consistency of data between nodes; the registration identity information can be registered in a mode of QQ number, micro signal, mobile phone number, mailbox number and the like. The blockchain platform can deploy federate-chain nodes to the involved participating enterprises to establish a federate chain, wherein a federate chain refers to a blockchain whose consensus process is controlled by a preselected node, for example, assuming a community consisting of 6 enterprises, each enterprise runs one node, and a confirmation of 4 of the enterprises is required to validate each blockchain (2/3 confirmation); the alliance chain has the characteristics of partial decentralization, strong controllability, no default data disclosure, high transaction speed and the like.
In one possible implementation, obtaining identity information of a participating entity performing mortgage processing based on a block chain technology, and establishing a federation chain includes: taking a block chain technology as a bottom layer technology, and acquiring identity information of participating institutions; deploying alliance link nodes for the participating enterprises according to the identity information; and forming the alliance chain nodes into an alliance chain.
Specifically, the participating enterprises may register identity information on the blockchain platform, deploy federation chain nodes for each participating enterprise according to the registered identity information, allow each participating enterprise to access the federation chain nodes, perform a service at the corresponding federation chain nodes through the blockchain platform by the participating enterprises, generate federation chain blocks when service data occurs, and establish a federation chain by connecting the federation chain blocks according to a certain rule, where the certain rule may be according to a time sequence.
The blockchain platform can generate a public key and a private key for each participating organization based on an asymmetric encryption system, and can also be understood as generating a pair of public and private keys, wherein the asymmetric encryption is a cryptosystem, and an encryption algorithm and a decryption algorithm of the asymmetric encryption use different keys, one is the public key, and the other is the private key; and the unique identity of each participating organization can be obtained by calculating from the private Key in the generated asymmetric Key according to a specific algorithm, then the blockchain platform can perform uplink operation on the unique identity and the public Key in a Key-Value form and store the unique identity and the public Key on the alliance chain network, and the private Key can be returned to the organization in an index Value form (here, a KMS Key Management Service (KMS)) can be adopted.
302, obtaining a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups;
specifically, a mortgage party submits a mortgage application on a block chain platform, the block chain platform acquires the mortgage application, and performs multi-group deployment on nodes on a alliance chain according to the mortgage application, the creation inspiration of the multi-group deployment comes from a group chat mode familiar to people, so that the establishment of a group is very flexible, several people can rapidly pull a theme group for communication, the same person can participate in a plurality of groups interested by the person and concurrently receive and send information, and the existing group can also continue to increase members; therefore, one or more groups which can be generated by multi-group deployment of the federation chain are performed, wherein data sharing is performed among the participating enterprises in the same group, and data sharing is not performed among the participating enterprises in different groups; .
In one possible implementation manner, performing multi-group deployment on the federation chain according to the mortgage application, and generating one or more groups includes: and performing multi-group deployment on the alliance chain according to the service scene of the mortgage application through a group architecture technology, and dividing the alliance chain nodes in the alliance chain into one or more groups.
Specifically, the mortgage application includes mortgage information of a mortgage party, the mortgage information can include mortgage information of the mortgage party and institution information selected by the mortgage party to receive the mortgage and issue a loan, a multi-group architecture alliance chain is adopted, multi-group deployment is performed on the alliance chain according to different service scenes in the mortgage application, a plurality of different accounts can exist on the alliance chain, the alliance chain nodes in the alliance chain are divided into one or more groups, each group can have a corresponding account, and the alliance chain nodes can select corresponding groups to join according to service relationships, so that the corresponding groups can participate in data sharing and common identification processes of the corresponding accounts. For example, the mortgage application submitted by the mortgage party a includes information that the mortgage is a house property and a vehicle, and a commercial bank is selected as a mechanism for receiving the mortgage and issuing a loan, so according to the business scenario of the mortgage application submitted by the mortgage party a, the mechanism for querying the state of the house property is a house administration mechanism, and the mechanism for querying the state of the vehicle is a vehicle administration mechanism, so the mortgage party a, the commercial bank, the evaluation mechanism, and the house administration can be in a first group, the first group can have a corresponding first account book, the mortgage party a, the commercial bank, the evaluation mechanism, and the vehicle administration can be in a second group, and the second group can have a corresponding second account book. It should be noted that the ledger mentioned in the embodiments of the present invention is a distributed ledger in the block chain technology, and is a database shared, copied and synchronized among network members, and the ledger records transactions, such as the exchange of assets or data, among network participants.
303, calling an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group.
Specifically, the user submits the mortgage application through the block chain platform, the block chain platform can store the mortgage application submitted by the user and call an intelligent contract according to the mortgage application, and the mortgage processing is carried out through the corresponding generated group.
In one possible implementation manner, invoking an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group includes: the mortgage application comprises identity information or mortgage information of a mortgage party, and intelligent contracts are called to store the identity information or the mortgage information on a alliance chain; and verifying the mortgage information or the identity information in the corresponding generated group through the intelligent contract.
Specifically, when the user has a loan demand, the user can register personal identity information through the block chain platform and perfect personal account data. When submitting a mortgage application, as shown in fig. 4, identity information or mortgage information such as the front and back sides of an identity card, a household photo, a marital certificate, a house certificate or a vehicle certificate and the like can be uploaded to a block chain platform through a webpage front end or a client program, after a data abstract of the identity information or the mortgage information needs to be signed through a private key obtained by a user during registration, the identity information or the mortgage information is stored in a alliance chain network by calling an intelligent contract, the state of the provided identity information or the mortgage information and the identity information or the mortgage information can be verified in a corresponding group through the intelligent contract, and if the mortgage application is verified to be correct, the mortgage processing can be performed based on the intelligent contract. The intelligent contract is a set of commitments defined in a digital form, a commitment meeting each participating mechanism can be formulated according to the loan requirement of a user, the commitment comprises the right and obligation of each participating mechanism, the right and obligation can be compiled into machine language by a programmer in an electronic mode, and each participating mechanism participating in the commitment can sign the intelligent contract by using a respective private key so as to ensure that the contract is real and effective. In embodiments of the present invention, the contract participation institutions include, but are not limited to, institutions that receive collateral and issue loans, institutions that evaluate collateral, institutions that query collateral status, and users with loan requirements.
Referring to fig. 5, fig. 5 is a schematic flow chart of another block chain-based mortgage processing method according to an embodiment of the present invention, where the method includes, but is not limited to, the following steps:
501, verifying the authenticity of the identity information or the mortgage information to obtain first verification information;
specifically, when the user submits a mortgage application, the identity information or the mortgage information can be uploaded to the block chain platform. After the information is uploaded successfully, the user can select a mechanism for accepting the collateral and issuing the loan to initiate the collateral application and submit the electronic authorization book. The electronic certificate is used for information verification of the user subsequently, wherein the mechanism for accepting the collateral and issuing the loan can be a bank or a small loan company, and the intelligent contract can be called to store the identity information or the collateral information and the application record on the alliance chain network. After the user submits the application, the institution receiving the collateral and issuing the loan can receive the proxy task, the proxy task can be reminded through the block chain platform system message, the short message or the mailbox, then the information needing to be audited can be submitted to the institution evaluating the collateral under the authorization entrusting of the user, and the institution evaluating the collateral can audit the provided information. The identity information or the mortgage information can be verified to obtain first verification information, whether the information provided by the user is real or not is judged, the first verification information can indicate that the information provided by the user is real or not, the first verification information and the judgment process are stored in a alliance chain network, and if the first verification information indicates that the information provided by the user is real, the identity information or the mortgage information is verified by an organization inquiring the state of the mortgage.
502, inquiring the state of the mortgage information and synchronizing the information data obtained by inquiry to a alliance chain;
specifically, the mechanism for querying the state of the collateral product can query the state of the collateral product, where the mechanism for querying the state of the collateral product can be a vehicle administration office, a building administration office, a state and earth office, and the like, and serves as a mechanism unit for having first data for the collateral product, and when a user obtains certificates such as a vehicle driving certificate or a real estate certificate, related information can be stored in a federation chain through federation chain nodes in a federation chain network (the federation chain nodes correspond to those in the embodiment corresponding to fig. 1A or fig. 1B), so that the related information can be shared in the federation chain, when the state of the collateral product needs to be queried, for example, whether the collateral product is mortgaged for multiple times can be queried based on the federation chain nodes deployed by a block chain platform of the vehicle administration office, verification can be performed based on the federation chain, and the queried information data is synchronized to the federation chain, and query and confirmation can be avoided on site through the federation chain, reducing manpower and material resources. If the state of the collateral is changed subsequently, the mechanism of the collateral state can store the current state of the change record memory to the alliance chain through the alliance chain link point deployed by the block chain platform.
503, evaluating the mortgage information according to the information data, and storing the evaluation result to a alliance chain;
specifically, when the mortgage evaluating mechanism receives the information and state of the mortgage returned by the mortgage state inquiring mechanism, if the information of the mortgage is that the vehicle can contain the unique identification code, the driving license information and the like of the vehicle, if the house information can contain the serial number of the real estate certificate, the specific location position and other information, the mortgage evaluating mechanism can evaluate the identity information or the mortgage information submitted by the user, collect the evaluation result, store the collection process and the collection result on the alliance chain, and return the result to the mortgage receiving mechanism and loan issuing mechanism.
504, executing a paying process for the user based on the intelligent contract according to the evaluation result.
Specifically, the institution receiving the collateral and issuing the loan may decide whether to issue the loan to the user according to the evaluation result, may execute a loan process based on the intelligent contract, and transfer the evaluation result to the intelligent contract, and the intelligent contract may judge according to the status, and then issues the loan, and the user may fill in the personal bank account information when submitting the application, and may issue the money to the account after approval by the institution receiving the collateral and issuing the loan.
Referring to fig. 6, fig. 6 is a schematic flow chart of another mortgage processing method based on a block chain according to an embodiment of the present invention, as shown in fig. 6, a mortgage party, a mechanism 600A for receiving mortgages and issuing loans, a mechanism 600B for evaluating mortgages, and a mechanism 600C for inquiring the status of mortgages involved in a mortgage processing process together establish a federation chain, that is, a federation chain node may need to be deployed in each involved mechanism performing mortgage processing, the mortgage party 600 corresponds to a node 1, the mechanism 600A for receiving mortgages and issuing loans corresponds to a node 2, the mechanism 600B for evaluating mortgages corresponds to a node 3, and the mechanism 600C for inquiring the status of mortgages corresponds to a node N. When the mortgage 600 submits a loan application through node 1, node 1 may save the loan application to the federation chain, as may the process of issuing 606 loans through node 1. The mortgage receiving and loan issuing institution 600A submits information to be audited to the mortgage evaluating institution 600B under the entrusting authorization of the mortgage party 600, the entrusting authorization process can be stored in the alliance chain through the node 2, and similarly, the mortgage receiving and loan issuing institution 600A can also store in the alliance chain through the node 2 according to the auditing result returned by the mortgage evaluating institution 600B. The mortgage evaluating entity 600B may query the state of the mortgage based on the federation chain node N deployed by the mortgage state querying entity 600C, and may store the process of querying the mortgage or the status result of the query to the federation chain via node 3. The mechanism 600C querying the status of the collateral item can update the information of the collateral item in time through the node N, for example, the user and the information can be stored in the alliance chain through the node N when the user obtains the vehicle driving license or the real estate license, and the change record and the current status of the collateral item can be stored in the alliance chain if the status of the collateral item changes subsequently.
As shown in fig. 7, an embodiment of the invention provides a schematic structural diagram of a block chain-based mortgage processing apparatus 700, where the block chain-based mortgage processing apparatus 700 may include: an acquisition establishing unit 701, an acquisition generating unit 702, a call processing unit 703, wherein,
an obtaining and establishing unit 701, configured to obtain, based on a block chain technology, identity information of a participating organization that performs mortgage processing, and establish a federation chain;
an obtaining and generating unit 702, configured to obtain a mortgage application, perform multi-group deployment on the federation chain according to the mortgage application, and generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data;
the calling processing unit 703 is configured to call the intelligent contract according to the mortgage application, and perform mortgage processing through the generated group.
In another embodiment, the obtaining and establishing unit 701 is configured to obtain, based on a block chain technology, identity information of a participating institution performing mortgage processing, and establish a federation chain, specifically, to obtain the identity information of the participating institution by using the block chain technology as a bottom-layer technology; deploying alliance link nodes for the participating enterprises according to the identity information; and forming the alliance chain nodes into an alliance chain.
In another embodiment, the obtaining and generating unit is configured to perform multi-group deployment on the federation chain according to the mortgage application to generate one or more groups, and is configured to perform multi-group deployment on the federation chain according to a service scenario of the mortgage application through a group architecture technology to divide the federation chain nodes in the federation chain into one or more groups.
In another embodiment, the invoking processing unit 703 is configured to invoke an intelligent contract according to the mortgage application, perform mortgage processing through the generated group, specifically, be used for the mortgage application including identity information or mortgage information of a mortgage party, invoke the intelligent contract to store the identity information or the mortgage information in a federation chain; and verifying the mortgage information or the identity information in the corresponding generated group through the intelligent contract.
In another embodiment, the call processing unit 703 is configured to verify the mortgage information or the identity information through the intelligent contract, specifically, to verify whether the identity information or the mortgage information is true or false to obtain first verification information, and store the first verification information in a federation chain; inquiring the state of the mortgage information and synchronizing the information data obtained by inquiry to a alliance chain; and evaluating the mortgage information according to the information data, and storing the evaluation result to a alliance chain.
It should be noted that the implementation of each unit may also correspond to the corresponding description of the method embodiments shown in fig. 1A to fig. 6, and is not described herein again.
Referring to fig. 8, fig. 8 is a schematic structural diagram of a mortgage processing apparatus based on a block chain according to an embodiment of the present invention. As shown in fig. 8, a blockchain-based mortgage processing apparatus 800 may include: one or more processors 801, one or more memories 802, and one or more communication interfaces 803. These components may be connected by a bus 804 or otherwise, as illustrated in FIG. 8 by a bus connection. Wherein:
the communication interface 803 may be used for the electronic device 800 to communicate with other communication devices, such as other electronic devices. In particular, the communication interface 803 may be a wired interface.
The memory 802 may be coupled to the processor 801 via a bus 804 or an input/output port, and the memory 802 may be integrated with the processor 801. The memory 802 is used to store various software programs and/or sets of instructions or data. Specifically, the Memory 802 may be a Read-Only Memory (ROM) or other types of static storage devices that can store static information and instructions, a Random Access Memory (RAM) or other types of dynamic storage devices that can store information and instructions, an Electrically Erasable Programmable Read-Only Memory (EEPROM), a Compact Disc Read-Only Memory (CD-ROM) or other optical Disc storage, optical Disc storage (including Compact Disc, laser Disc, optical Disc, digital versatile Disc, blu-ray Disc, etc.), magnetic disk storage media or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and that can be accessed by a computer, but is not limited to such. The memory 802 may include high-speed random access memory and may also include non-volatile memory, such as one or more magnetic disk storage devices, flash memory devices, or other non-volatile solid-state storage devices. The memory 802 may store an operating system (hereinafter, referred to as a system), such as an embedded operating system like uCOS, VxWorks, RTLinux, or the like. The memory 802 may also store a network communication program that may be used to communicate with one or more additional devices, one or more user devices, one or more electronic devices. The memory may be self-contained and coupled to the processor via a bus. The memory may also be integral to the processor.
The memory 802 is used for storing application program codes for executing the above schemes, and is controlled by the processor 801 to execute. The processor 801 is used to execute application program code stored in the memory 802.
The processor 801 may be a central processing unit, general purpose processor, digital signal processor, application specific integrated circuit, field programmable gate array 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 may also be a combination of certain functions, including for example one or more microprocessors, a combination of digital signal processors and microprocessors, or the like.
In embodiments of the present invention, the processor 801 may be configured to read and execute computer readable instructions. Specifically, the processor 801 may be configured to call a program stored in the memory 802, for example, an implementation program of the mortgage processing method based on a block chain provided in one or more embodiments of the present application on the electronic device 800 side, and execute instructions included in the program.
It should be noted that the electronic device 800 shown in fig. 8 is only one implementation manner of the embodiment of the present invention, and in practical applications, the electronic device 800 may further include more or less components, which is not limited herein. For specific implementation of the electronic device 800, reference may be made to the foregoing description in the method embodiments shown in fig. 1A to fig. 6, and details are not repeated here.
In the foregoing embodiments, the descriptions of the respective embodiments have respective emphasis, and for parts that are not described in detail in a certain embodiment, reference may be made to related descriptions of other embodiments.
It should be noted that, for simplicity of description, the above-mentioned method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present application is not limited by the order of acts described, as some steps may occur in other orders or concurrently depending on the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.
In the embodiments provided in the present application, it should be understood that the disclosed apparatus may be implemented in other manners. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, the above-described division of the units is only one type of division of logical functions, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of some interfaces, devices or units, and may be an electric or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated unit may be stored in a computer-readable storage medium if it is implemented in the form of a software functional unit and sold or used as a separate product. Based on such understanding, the technical solution of the present application may be substantially implemented or a part of or all or part of the technical solution contributing to the prior art may be embodied in the form of a software product stored in a storage medium, and including several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, and may specifically be a processor in the computer device) to execute all or part of the steps of the above-mentioned method of the embodiments of the present application. The storage medium may include: a U-disk, a removable hard disk, a magnetic disk, an optical disk, a Read-Only Memory (ROM) or a Random Access Memory (RAM), and the like.
One of ordinary skill in the art will appreciate that all or part of the processes in the methods of the above embodiments may be implemented by hardware related to instructions of a computer program, which may be stored in a computer-readable storage medium, and when executed, may include the processes of the above method embodiments. And the aforementioned storage medium includes: various media capable of storing program codes, such as ROM or RAM, magnetic or optical disks, etc.
Claims (10)
1. A block chain-based mortgage processing method, the method comprising:
acquiring identity information of participating institutions for carrying out mortgage processing based on a block chain technology, and establishing a alliance chain;
obtaining a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data;
and calling an intelligent contract according to the mortgage application, and performing mortgage processing through the generated group.
2. The method of claim 1, wherein obtaining identity information of participating enterprises based on blockchain technology, and wherein establishing a federation chain comprises:
taking a block chain technology as a bottom layer technology, and acquiring identity information of participating institutions;
deploying alliance link nodes for the participating enterprises according to the identity information;
and forming the alliance chain nodes into an alliance chain.
3. The method of claim 1, wherein the deploying the federation chains in multiple groups according to the mortgage application, and wherein generating one or more groups comprises:
and performing multi-group deployment on the alliance chain according to the service scene of the mortgage application through a group architecture technology, and dividing the alliance chain nodes in the alliance chain into one or more groups.
4. The method of claim 1, wherein invoking an intelligent contract according to the mortgage application, and wherein performing mortgage processing through the generated group comprises:
the mortgage application comprises identity information or mortgage information of a mortgage party, and intelligent contracts are called to store the identity information or the mortgage information on a alliance chain;
and verifying the mortgage information or the identity information in the corresponding generated group through the intelligent contract.
5. The method of claim 4, wherein the verifying the mortgage information or the identity information by the smart contract comprises:
verifying the authenticity of the identity information or the mortgage information to obtain first verification information, and storing the first verification information to a alliance chain;
inquiring the state of the mortgage information and synchronizing the information data obtained by inquiry to a alliance chain;
and evaluating the mortgage information according to the information data, and storing the evaluation result to a alliance chain.
6. The method of claim 5, wherein after evaluating the mortgage information according to the information data, the method comprises:
and executing a deposit process based on the mortgage party based on intelligent contract according to the evaluation result, and storing the deposit result to a alliance chain.
7. The method of claim 1 or 2, the participating entity comprising: a mechanism for receiving collateral and dispensing loans, a mechanism for evaluating collateral, and a mechanism for querying the status of collateral.
8. A blockchain-based mortgage processing apparatus, the apparatus comprising:
the acquisition establishing unit is used for acquiring the identity information of the participating institutions for carrying out the mortgage processing based on the block chain technology and establishing a alliance chain;
the system comprises an acquisition generating unit, a processing unit and a processing unit, wherein the acquisition generating unit is used for acquiring a mortgage application, and performing multi-group deployment on the alliance chain according to the mortgage application to generate one or more groups; the participating mechanisms in the same group share data, and the participating mechanisms in different groups do not share data;
and the calling processing unit is used for calling the intelligent contract according to the mortgage application and carrying out mortgage processing through the generated group.
9. A blockchain-based mortgage processing device comprising a processor, wherein the processor is configured to invoke a stored website building program to perform the method of any one of claims 1-7.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program comprising program instructions which, when executed by a processor, perform the method according to any one of claims 1-7.
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