CN113129132A - Credit credit product application method and device based on block chain - Google Patents
Credit credit product application method and device based on block chain Download PDFInfo
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Abstract
The invention discloses a credit loan product application method and a device based on a block chain, which relate to the field of block chains, and the method comprises the following steps: receiving a credit loan product application request initiated by a target client through a client; performing identity verification on a target client based on client information of the target client pre-stored on a block chain network; when the target customer passes the identity verification, according to second customer information of the target customer stored on the block chain network, setting second-class electronic accounts of the target customer in a plurality of banks to obtain second-class electronic account information of the target customer in the plurality of banks; and executing credit loan business of the target customer applying credit loan products to the plurality of banks according to the second type electronic account information of the target customer in the plurality of banks. The invention can realize the purpose of rapidly applying for credit loan products to a plurality of banks, so that a bank client can select the credit loan product which is most suitable for withdrawal from the plurality of credit loan products applied simultaneously to carry out the withdrawal operation.
Description
Technical Field
The present invention relates to the field of blockchains, and in particular, to a method and an apparatus for credit product application based on blockchains.
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, credit loan product business systems of all large banks do not support a client to simultaneously apply credit loan products to a plurality of banks. Because the client does not know which bank has lower loan interest rate, the client usually needs to apply for each bank separately to know the loan interest rate of the credit loan products of each bank, and finally, the credit loan products with lower interest rate are preferably selected for carrying out the withdrawal operation.
In view of the above problems, no effective solution has been proposed.
Disclosure of Invention
The embodiment of the invention provides a block chain-based credit loan product application method, which is used for solving the technical problem that the existing bank credit loan product business system does not support a client to simultaneously apply credit loan products for a plurality of banks, and comprises the following steps: receiving a credit loan product application request initiated by a target client through a client; performing identity verification on a target client based on client information of the target client pre-stored on a block chain network; when the target customer passes the identity verification, according to second customer information of the target customer stored on the block chain network, setting second-class electronic accounts of the target customer in a plurality of banks to obtain second-class electronic account information of the target customer in the plurality of banks; and executing credit loan business of the target customer applying credit loan products to the plurality of banks according to the second type electronic account information of the target customer in the plurality of banks.
The embodiment of the invention also provides a block chain-based credit loan product application device, which is used for solving the technical problem that the existing bank credit loan product business system does not support a client to simultaneously apply credit loan products to a plurality of banks, and comprises the following components: the credit loan product application module is used for receiving a credit loan product application request initiated by a target client through a client; the client information verification module is used for verifying the identity of the target client based on the client information of the target client pre-stored in the block chain network; the account management module is used for opening second-class electronic accounts of the target customer in a plurality of banks according to second customer information of the target customer stored on the block chain network under the condition that the target customer passes identity verification to obtain second-class electronic account information of the target customer in the plurality of banks; and the credit loan service execution module is used for executing the credit loan service of the target customer applying credit loan products to the plurality of banks according to the second-class electronic account information of the target customer in the plurality of banks.
The embodiment of the invention also provides a computer device, which is used for solving the technical problem that the existing bank credit product business system does not support a client to simultaneously apply credit products for multiple banks, and the computer device comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein when the processor executes the computer program, the block chain-based credit product application method is realized.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problem that the existing bank credit loan product business system does not support a client to simultaneously apply credit loan products for a plurality of banks, and the computer readable storage medium stores a computer program for executing the block chain-based credit loan product application method.
In the embodiment of the invention, the client information of a target client is stored based on a block chain network, after a credit product application request initiated by the target client through a client is received, the identity of the target client is verified based on the client information of the target client pre-stored on the block chain network, under the condition that the target client passes the identity verification, second-class electronic accounts of the target client in a plurality of banks are opened according to the second client information of the target client stored on the block chain network, so that the second-class electronic account information of the target client in the plurality of banks is obtained, and then the credit product application service of the target client to the plurality of banks is executed according to the second-class electronic account information of the target client in the plurality of banks.
By the embodiment of the invention, the purpose of rapidly applying credit loan products to a plurality of banks can be realized, so that a bank client can select the credit loan product which is most suitable for withdrawal from the credit loan products applied simultaneously to carry out withdrawal operation.
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 flowchart of a block chain-based credit product application method according to an embodiment of the present invention;
FIG. 2 is a flowchart of an alternative block-chain based credit loan product application method provided in an embodiment of the invention;
FIG. 3 is a flowchart of an alternative block-chain based credit loan product application method provided in an embodiment of the invention;
FIG. 4 is a schematic diagram of an apparatus for applying for credit based on block chain according to an embodiment of the present invention;
FIG. 5 is a schematic diagram of an alternative block-chain-based credit loan product application apparatus according to an embodiment of the invention;
FIG. 6 is a schematic diagram of an alternative block-chain-based credit loan product application apparatus according to an embodiment of the invention;
FIG. 7 is a schematic diagram of an alternative block-chain-based credit loan product application apparatus according to an embodiment of the invention;
fig. 8 is a schematic diagram of a computer device provided in 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.
An embodiment of the present invention provides a credit loan product application method based on a block chain, and fig. 1 is a flowchart of a credit loan product application method based on a block chain, as shown in fig. 1, the method includes the following steps:
s101, receiving a credit loan product application request initiated by a target client through a client.
It should be noted that, the target customer in the embodiment of the present invention may be a customer of any bank; the credit loan product application request in the embodiment of the invention can be a service application request for applying credit loan products, which is initiated by a target client in a credit loan product service system of any bank; the credit loan product in the embodiment of the invention refers to a product for client loan, such as flower, white stripe in the east of Beijing, etc., marketed by each big bank or loan platform.
Alternatively, the client in S101 may be, but is not limited to, any terminal that can access the internet, such as a mobile phone, a tablet computer, a notebook computer, and a computer.
S102, based on the client information of the target client pre-stored in the block chain network, the target client is subjected to identity verification.
It should be noted that, in the embodiment of the present invention, the client information of the target client is stored in the blockchain network, and after receiving a credit loan product application request initiated by the target client through the client, the client information of the target client stored in advance in the blockchain network performs identity verification on the target client.
In a specific implementation, the step S102 may be implemented by: acquiring first customer information of a target customer according to a credit loan product application request; comparing the first customer information with second customer information of a target customer stored on the blockchain network; and according to the comparison result, performing identity verification on the target client.
It should be noted that, optionally, the first customer information and the second customer information in the embodiment of the present invention include, but are not limited to: name, certificate type, certificate number, mobile phone number, bank of opening an account, password, bank account number and other information.
Optionally, the first customer information and the second customer information in the embodiment of the present invention may further include: after receiving a credit loan product application request initiated by a target client through a client, acquiring a first face image of the target client, comparing the first face image with a certificate photo image of the target client stored in advance on a block chain network, and determining that the target client passes identity verification when the similarity between the first face image and the certificate photo image is higher than a preset threshold; otherwise, the target client is determined not to pass the identity verification.
And S103, when the target customer passes the identity verification, according to the second customer information of the target customer stored in the block chain network, setting second-class electronic accounts of the target customer in a plurality of banks to obtain the second-class electronic account information of the target customer in the plurality of banks.
It should be noted that after receiving a request for requesting a credit loan product initiated by a target customer through a client, the loan product service system of each large bank usually opens a second-class electronic account for the target customer first, so that the target customer requests the credit loan product on the loan product service platform. It should be noted that the second type of electronic account in the embodiment of the present invention refers to a virtual electronic account, and is bound with a type of electronic account (savings card account) of a target customer at any bank.
Since various kinds of customer information of the target customer for setting up the second type of electronic account is stored in the blockchain network, when the target customer passes the identity verification, the second type of electronic account of the target customer in a plurality of banks is set up according to the second customer information of the target customer stored in the blockchain network, and the second type of electronic account information of the target customer in the plurality of banks is obtained.
Optionally, the second type of electronic account information in the embodiment of the present invention includes, but is not limited to: name, certificate type, certificate number, mobile phone number, second type electronic account number, second type account affiliated row, account password and other information.
And S104, executing credit loan business of the target customer applying credit loan products to the plurality of banks according to the second-class electronic account information of the target customer in the plurality of banks.
After the second-type electronic accounts of the target customers in the multiple banks are opened and the second-type electronic account information of the target customers in the multiple banks is obtained, the target customers can apply for purchasing credit products of the banks through the second-type electronic accounts opened in the various banks. In the embodiment of the invention, after the second-class electronic accounts of the target client in a plurality of banks are set according to the second client information of the target client stored on the block chain network and the second-class electronic account information of the target client in the plurality of banks is obtained, the credit loan service that the target client applies credit loan products to the plurality of banks is automatically executed, the target client can simultaneously apply for the credit loan products of the plurality of banks, so that the target client can select the credit loan product suitable for the target client from the plurality of credit loan products to carry out the withdrawal operation.
In one embodiment, as shown in fig. 2, after performing a credit loan transaction in which a target customer applies for credit loan products to a plurality of banks based on information of class two electronic accounts of the target customer at the plurality of banks, the block chain-based credit loan product application method provided in an embodiment of the present invention may further include the following steps:
s105, obtaining credit loan product application results of each bank;
and S106, generating withdrawal notification messages according to the credit loan product application results of the banks, wherein the withdrawal notification messages are used for notifying one or more banks applying the credit loan products successfully.
Alternatively, the withdrawal notification message generated in S106 may be, but is not limited to, a text message or a voice message.
In one embodiment, the withdrawal notification message generated in the embodiment of the present invention may be sent to the client of the target customer through a 5G message, so that the target customer can quickly know the credit loan products of the respective banks for which the target customer applies successfully.
In order to facilitate the tracing of the loan product information, in an embodiment, as shown in fig. 3, after obtaining the credit loan product application result of each bank, the block chain-based credit loan product application method provided in the embodiment of the present invention may further include the following steps:
s107, obtaining the credit loan product information of each bank which successfully applies for;
and S108, storing the credit loan product information of each bank which is successfully applied to the block chain network.
Through the embodiment, the information of the credit loan products successfully applied by the target client in each bank is stored in the block chain network, so that the target client can conveniently inquire the information of the credit loan products applied by the target client in a subsequent process.
It should be noted that, in the embodiment of the present invention, the client information pre-stored in the blockchain network may be manually uploaded, may also be acquired through a third party platform, and may also be entered when the client transacts a bank card. Thus, in one embodiment, the block chain-based credit loan product application method provided in the embodiment of the present invention may further store the client information of the target client on the block chain network in advance by: collecting customer information input by a target customer when applying for a bank card for the first time; and storing the collected client information of the target client to the blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a credit loan product application apparatus based on a block chain, as described in the following embodiments. Since the principle of the apparatus for solving the problem is similar to the block chain-based credit loan product application method, the implementation of the apparatus can be referred to the implementation of the block chain-based credit loan product application method, and repeated details are not repeated.
Fig. 4 is a schematic diagram of an apparatus for applying for credit based on block chain according to an embodiment of the present invention, as shown in fig. 4, the apparatus includes: a credit product application module 401, a customer information verification module 402, an account management module 403 and a credit business execution module 404.
The credit loan product application module 401 is configured to receive a credit loan product application request initiated by a target client through a client; a client information verification module 402, configured to perform identity verification on a target client based on client information of the target client pre-stored in a blockchain network; the account management module 403 is configured to, when the target customer passes the identity verification, open a second type of electronic account of the target customer in multiple banks according to second customer information of the target customer stored on the block chain network, so as to obtain second type of electronic account information of the target customer in the multiple banks; and the credit loan transaction execution module 404 is used for executing the credit loan transaction of the target customer applying the credit loan products to the plurality of banks according to the second-class electronic account information of the target customer in the plurality of banks.
In one embodiment, as shown in fig. 5, the block chain-based credit loan product application apparatus provided in the embodiment of the present invention may further include: a credit application result acquisition module 405 and a credit application result notification module 406.
The credit loan application result acquisition module 405 is configured to acquire credit loan product application results of each bank; and a credit application result notification module 406, configured to generate a withdrawal notification message according to the credit product application result of each bank, where the withdrawal notification message is used to notify one or more banks that have successfully applied credit products.
Further, in an embodiment, as shown in fig. 6, the block chain-based credit product application apparatus provided in the embodiment of the present invention may further include: a credit product information acquisition module 407 and a credit product information storage module 408.
The credit loan product information acquisition module 407 is configured to acquire credit loan product information of each bank that successfully applies for; and the credit loan product information storage module 408 is used for storing the credit loan product information of each bank which successfully applies to the blockchain network.
In one embodiment, customer information verification module 402 is further configured to: acquiring first customer information of a target customer according to a credit loan product application request; comparing the first customer information with second customer information of a target customer stored on the blockchain network; and according to the comparison result, performing identity verification on the target client.
In one embodiment, as shown in fig. 7, the block chain-based credit loan product application apparatus provided in the embodiment of the present invention may further include: a customer information collection module 409 and a customer information storage module 410.
The client information acquisition module 409 is used for acquiring client information which is input when a target client applies for a bank card for the first time; and a client information storage module 410, configured to store the collected client information of the target client onto the blockchain network.
Based on the same inventive concept, an embodiment of the present invention further provides a computer device, so as to solve the technical problem that the existing bank credit product business system does not support a client to simultaneously apply for a credit product from multiple banks, fig. 8 is a schematic diagram of a computer device provided in an embodiment of the present invention, as shown in fig. 8, the computer device 80 includes a memory 801, a processor 802, and a computer program stored on the memory 801 and operable on the processor 802, and when the processor executes the computer program, the block chain-based credit product application method is implemented.
Based on the same inventive concept, the embodiment of the present invention further provides a computer readable storage medium, so as to solve the technical problem that the existing banking credit loan product business system does not support a client to simultaneously apply for credit loan products from multiple banks, where the computer readable storage medium stores a computer program for executing the block chain based credit loan product application method.
In the embodiment of the invention, the client information of a target client is stored based on a block chain network, after a credit product application request initiated by the target client through a client is received, the identity of the target client is verified based on the client information of the target client pre-stored on the block chain network, under the condition that the target client passes the identity verification, second-class electronic accounts of the target client in a plurality of banks are opened according to the second client information of the target client stored on the block chain network, so that the second-class electronic account information of the target client in the plurality of banks is obtained, and then the credit product application service of the target client to the plurality of banks is executed according to the second-class electronic account information of the target client in the plurality of banks.
By the embodiment of the invention, the purpose of rapidly applying credit loan products to a plurality of banks can be realized, so that a bank client can select the credit loan product which is most suitable for withdrawal from the credit loan products applied simultaneously to carry out withdrawal operation.
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 (12)
1. A method for block chain based credit loan product application, comprising:
receiving a credit loan product application request initiated by a target client through a client;
performing identity verification on the target client based on client information of the target client pre-stored on a block chain network;
when the target customer passes the identity verification, according to second customer information of the target customer stored on a block chain network, opening second-class electronic accounts of the target customer in a plurality of banks to obtain second-class electronic account information of the target customer in the plurality of banks;
and executing credit loan business of the target customer applying credit loan products to the plurality of banks according to the second-class electronic account information of the target customer in the plurality of banks.
2. The method of claim 1, wherein after performing a credit loan transaction in which the target customer applies for credit loan products to a plurality of banks based on the target customer's class two electronic account information at the plurality of banks, the method further comprises:
acquiring credit loan product application results of each bank;
and generating a withdrawal notification message according to the credit loan product application result of each bank, wherein the withdrawal notification message is used for notifying one or more banks applying the credit loan products successfully.
3. The method of claim 2, wherein after obtaining credit loan product application results for each bank, the method further comprises:
acquiring credit loan product information of each bank which is successfully applied;
and storing the credit loan product information of each bank which is successfully applied to the block chain network.
4. The method of claim 1, wherein the identity verification of the target client based on the client information of the target client pre-stored on the blockchain network comprises:
acquiring first customer information of the target customer according to the credit loan product application request;
comparing the first customer information with second customer information of the target customer stored on a blockchain network;
and performing identity verification on the target client according to the comparison result.
5. The method according to any one of claims 1 to 4, wherein before the identity verification of the target client based on client information of the target client pre-stored on a blockchain network, the method further comprises:
collecting the customer information input by the target customer when applying for the bank card for the first time;
and storing the collected client information of the target client to the blockchain network.
6. A block chain-based credit loan product application apparatus, comprising:
the credit loan product application module is used for receiving a credit loan product application request initiated by a target client through a client;
the client information verification module is used for performing identity verification on the target client based on the client information of the target client pre-stored in the block chain network;
the account management module is used for opening second-class electronic accounts of the target customer in a plurality of banks according to second customer information of the target customer stored on a block chain network under the condition that the target customer passes identity verification to obtain the second-class electronic account information of the target customer in the plurality of banks;
and the credit loan service execution module is used for executing the credit loan service of the target customer applying credit loan products to the plurality of banks according to the second-class electronic account information of the target customer in the plurality of banks.
7. The apparatus of claim 6, wherein the apparatus further comprises:
the credit loan application result acquisition module is used for acquiring credit loan product application results of all banks;
and the credit loan application result notification module is used for generating withdrawal notification messages according to the credit loan product application results of the banks, wherein the withdrawal notification messages are used for notifying one or more banks applying the successful credit loan products.
8. The apparatus of claim 7, wherein after obtaining the credit loan product application result for each bank, the apparatus further comprises:
the credit loan product information acquisition module is used for acquiring the credit loan product information of each bank which successfully applies for;
and the credit loan product information storage module is used for storing the credit loan product information of each bank which is successfully applied to the block chain network.
9. The apparatus of claim 6, wherein the customer information verification module is further to: acquiring first customer information of the target customer according to the credit loan product application request; comparing the first customer information with second customer information of the target customer stored on a blockchain network; and performing identity verification on the target client according to the comparison result.
10. The apparatus of any of claims 6 to 9, further comprising:
the client information acquisition module is used for acquiring the client information input by the target client when the target client applies for the bank card for the first time;
and the client information storage module is used for storing the acquired client information of the target client to the block chain network.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the block chain based credit loan product application method of any of claims 1 to 5.
12. A computer-readable storage medium storing a computer program for executing the block chain-based credit loan product application method according to any one of claims 1 to 5.
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| CN202110532553.1A CN113129132A (en) | 2021-05-17 | 2021-05-17 | Credit credit product application method and device based on block chain |
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| CN202110532553.1A CN113129132A (en) | 2021-05-17 | 2021-05-17 | Credit credit product application method and device based on block chain |
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| TW201832162A (en) * | 2017-02-24 | 2018-09-01 | 王少華 | Loan applying system for microfinance |
| CN109064321A (en) * | 2018-10-31 | 2018-12-21 | 曾文华 | A kind of automatic balance system and method |
| TWM596925U (en) * | 2019-12-03 | 2020-06-11 | 臺灣銀行股份有限公司 | Cross-bank loan application system |
| CN112348669A (en) * | 2020-11-06 | 2021-02-09 | 汪伟 | Loan qualification auditing system and method |
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2021
- 2021-05-17 CN CN202110532553.1A patent/CN113129132A/en active Pending
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| TW201832162A (en) * | 2017-02-24 | 2018-09-01 | 王少華 | Loan applying system for microfinance |
| CN109064321A (en) * | 2018-10-31 | 2018-12-21 | 曾文华 | A kind of automatic balance system and method |
| TWM596925U (en) * | 2019-12-03 | 2020-06-11 | 臺灣銀行股份有限公司 | Cross-bank loan application system |
| CN112348669A (en) * | 2020-11-06 | 2021-02-09 | 汪伟 | Loan qualification auditing system and method |
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