CN113177843A - Cross-bank loan service processing method and device based on block chain - Google Patents
Cross-bank loan service processing method and device based on block chain Download PDFInfo
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- CN113177843A CN113177843A CN202110590056.7A CN202110590056A CN113177843A CN 113177843 A CN113177843 A CN 113177843A CN 202110590056 A CN202110590056 A CN 202110590056A CN 113177843 A CN113177843 A CN 113177843A
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Abstract
The invention discloses a block chain-based inter-bank loan service processing method and a block chain-based inter-bank loan service processing device, which relate to the technical field of block chains, and comprise the following steps: receiving a loan service request initiated by a loan client; according to the loan service request, inquiring loan information of a loan client from a block chain network, wherein the block chain network stores the loan information of the loan client in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information; and executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks. The invention stores loan amount information and loan interest rate information provided by a plurality of banks for a certain client based on a block chain network, and can support inter-bank loan application or repayment operation, so that the client preferentially selects a bank with low loan interest rate to execute loan application operation, and preferentially selects a bank with high loan interest rate to execute loan repayment operation.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based inter-bank loan service processing method and device.
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.
It is known that the same user has a certain loan amount in a plurality of banks, so that loans can be applied for in a plurality of banks. However, because the loan interest rate information and the loan amount information of each bank are independently present in the loan service systems of each bank, when a user performs a loan application or repayment operation, the user needs to perform the loan application or the repayment operation in each bank respectively, and the cross-bank service operation cannot be realized, so that the user selects a bank with a higher loan interest rate when performing the loan application operation, and preferentially repays the bank with the higher loan interest rate when repayment.
Disclosure of Invention
The embodiment of the invention provides a block chain-based inter-bank loan service processing method, which is used for solving the technical problem that in the prior art, because loan information of each client in each bank loan service system is mutually independent, the inter-bank loan service is difficult to realize, and the method comprises the following steps: receiving a loan service request initiated by a loan client; according to the loan service request, inquiring loan information of a loan client from a block chain network, wherein the block chain network stores the loan information of the loan client in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information; and executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks.
The embodiment of the invention also provides a block chain-based inter-bank loan service processing device, which is used for solving the technical problem that in the prior art, because loan information of each client in each bank loan service system is mutually independent, the inter-bank loan service is difficult to realize, and the device comprises: the loan service request module is used for receiving a loan service request initiated by a loan client; the block chain data query module is used for querying loan information of a loan customer from a block chain network according to a loan service request, wherein the block chain network stores the loan information of the loan customer in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information; and the loan service execution module is used for executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks.
The embodiment of the invention also provides computer equipment for solving the technical problem that in the prior art, due to the fact that loan information of each client in each bank loan service system is mutually independent, the inter-bank loan service is difficult to realize.
The embodiment of the invention also provides a computer readable storage medium for solving the technical problem that in the prior art, due to the fact that loan information of each client in each bank loan service system is mutually independent, the inter-bank loan service is difficult to realize, and the computer readable storage medium stores a computer program for executing the block chain-based inter-bank loan service processing method.
After receiving a loan service request initiated by a loan client, according to the received loan service request, querying loan information such as loan amounts, loan interest rates and the like of the loan client in a plurality of banks from a block chain network, and further executing a loan service corresponding to the loan service request according to the loan information of the loan client in the plurality of banks.
In the embodiment of the invention, the loan amount information and the loan interest rate information provided by a plurality of banks for a certain client are stored based on the block chain network, and the inter-bank loan application or repayment operation can be supported, so that the client preferentially selects the bank with low loan interest rate to execute the loan application operation, and preferentially selects the bank with high loan interest rate to execute the loan repayment 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 processing method of a block chain-based inter-bank loan service in an embodiment of the invention;
FIG. 2 is a flowchart illustrating a loan information chaining process according to an embodiment of the invention;
FIG. 3 is a flow chart of loan information update according to an embodiment of the invention;
FIG. 4 is a flowchart illustrating a loan transaction information uplink process according to an embodiment of the invention;
FIG. 5 is a flow chart of a loan application in an embodiment of the invention;
FIG. 6 is a flow chart of loan repayment in accordance with an embodiment of the invention;
fig. 7 is a flowchart of a block chain-based inter-bank loan transaction processing according to an embodiment of the invention;
fig. 8 is a schematic diagram of a block chain-based inter-bank loan transaction processing apparatus according to an embodiment of the present invention;
FIG. 9 is a schematic view of an alternative processing apparatus for a cross-bank loan transaction in an embodiment of the invention;
FIG. 10 is a schematic view of an alternative cross-bank loan transaction processing apparatus according to an embodiment of the invention;
FIG. 11 is a schematic view of an alternative cross-bank loan transaction processing apparatus according to an embodiment of the invention;
FIG. 12 is a schematic view of an alternative cross-bank loan transaction processing apparatus according to an embodiment of the invention;
FIG. 13 is a schematic view of an alternative cross-bank loan transaction processing apparatus according to an embodiment of the invention;
fig. 14 is a schematic diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a processing method of a block chain-based inter-bank loan service, and fig. 1 is a flow chart of the processing method of the block chain-based inter-bank loan service in the embodiment of the invention, as shown in fig. 1, the method includes the following steps:
and S101, receiving a loan service request initiated by a loan client.
It should be noted that the loan transaction request in the embodiment of the present invention may be a loan application transaction request or a loan repayment transaction request. The loan clients in the embodiment of the invention refer to users with a certain loan amount in a plurality of banks.
S102, inquiring loan information of a loan customer from a block chain network according to a loan service request, wherein the block chain network stores the loan information of the loan customer in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information.
It should be noted that the blockchain network in the embodiment of the present invention may be a blockchain network constructed by using loan transaction systems of various banks as blockchain storage nodes; or a separate blockchain network to which the loan transaction systems of the banks are connected through blockchain clients. Because the loan service systems of all banks are communicated with the block chain network, the loan service systems of all banks can upload the loan information of all loan clients in all banks to the block chain network, so that the loan service system of any bank can inquire the loan information of other banks through the block chain network.
In the embodiment of the invention, the loan information of the loan client at each bank is pre-stored on the block chain network, so that after receiving the loan service request of the loan client, the loan information of the loan client at each bank is inquired from the block chain network, and the bank handling the loan service requested by the loan service request is determined.
It should be noted that the loan information of the loan clients at the various banks stored on the blockchain network may include, but is not limited to: user name, identification number, loan bank, loan amount, loan interest rate, loan term, etc.
And S103, executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks.
It should be noted that the loan transaction request in the embodiment of the present invention may be a loan application transaction request or a loan repayment transaction request. The loan clients in the embodiment of the invention refer to users with a certain loan amount in a plurality of banks.
In one embodiment, as shown in fig. 2, before querying loan information of a loan client from a blockchain network according to a loan service request, the processing method for a blockchain-based cross-bank loan service provided in an embodiment of the present invention further includes the following steps:
s201, collecting loan information of loan clients in various banks;
and S202, storing the loan information of the loan clients in each bank to the block chain network.
Since the loan amount information of a certain client changes after the client performs a loan application or repayment operation through a loan service system of a certain loan bank, in an embodiment, as shown in fig. 3, after performing a loan service corresponding to a loan service request according to the loan information of the loan client in a plurality of banks, the block chain-based inter-bank loan service processing method provided in the embodiment of the present invention further includes the following steps:
s301, obtaining loan service information successfully executed;
and S302, updating the loan information of the loan clients stored on the block chain network according to the loan service information.
In order to realize traceability of loan transaction information, in an embodiment, as shown in fig. 4, after obtaining information of loan transaction successfully performed, the block chain-based inter-bank loan transaction processing method provided in the embodiment of the present invention further includes the following steps:
s401, obtaining loan service information successfully executed;
s402, storing the loan service information on the block chain network.
Further, as shown in fig. 4, after the loan transaction information is stored on the blockchain network, the block-chain-based inter-bank loan transaction processing method provided in the embodiment of the present invention further includes the following steps:
and S403, sending the loan service information to a loan service system of a corresponding bank through the block chain network.
In the embodiment of the invention, the loan service information is pushed to the loan service systems of all banks through the block chain network, so that all banks can know the updated loan information of the customers in time conveniently.
In one embodiment, in the case that the loan transaction request is a loan application transaction request, as shown in fig. 5, the block chain-based inter-bank loan transaction processing method provided in the embodiment of the present invention may perform the loan application transaction by:
s501, selecting a bank which meets the requested loan limit of the loan application service request and has the lowest loan interest rate information from a plurality of banks according to the loan information of the loan client in the plurality of banks as a loan bank for executing the loan application service;
and S502, calling a loan service system of the loan bank, and executing loan repayment service requested by the loan application service request.
Through the embodiment, the user can be allowed to preferentially select the bank with the lowest loan interest rate to apply for the loan. In particular implementation, the loanable banks (i.e. the banks for which the user can apply for loans) may be ordered from small to large according to loan interest rate, so that the user may select the bank with the low loan interest rate for repayment.
In one embodiment, in the case that the loan transaction request is a loan application transaction request, as shown in fig. 6, the block chain-based inter-bank loan transaction processing method provided in the embodiment of the present invention may perform a loan repayment transaction by:
s601, selecting a bank which meets the repayment limit requested by the loan repayment service request and has the highest loan interest rate information from a plurality of banks according to loan information of a loan client in the plurality of banks as a repayment bank for executing the loan repayment service;
and S602, calling a loan transaction system of the repayment bank, and executing the loan repayment transaction requested by the loan repayment transaction request.
Through the embodiment, the user can be given preference to select the bank with the highest loan interest rate for repayment. In particular, the repayment banks (i.e. the banks for which the user has applied for loan) may be sorted in descending order of loan interest rate, so that the user may select the bank with high loan interest rate for repayment.
The block chain-based inter-bank loan service processing method provided by the embodiment of the invention records the loan amount applied by the user in each bank based on the block chain, and realizes sharing of the loan amount by utilizing the transparency and the safety of the block chain, namely, the client can check all the loan amounts under the name of the client through any bank. For example, if a client has a loan amount of 10 ten thousand at a first bank and a loan amount of 5 ten thousand at a second bank, the client can see that the total loan amount is 15 ten thousand at any bank (the first bank or the second bank). When a client initiates a loan from a certain bank, the client preferably deducts the loan amount from the bank with the lowest loan interest rate and records the loan details in the block chain; when a client repays a loan from a certain bank, the loan with the highest loan interest rate is preferentially repayed according to the loan particulars under the name of the client, thereby realizing cross-bank loan and repayment.
Fig. 7 is a flowchart of processing a block chain-based inter-bank loan service in an embodiment of the present invention, as shown in fig. 7, specifically including:
storing the loan amount of the user: and recording the loan amount information applied by the user to each bank based on the blockchain, wherein the loan amount information is used for sharing the loan amount and matching the lowest loan interest rate.
And (4) connecting each bank, and storing the loan amount information of the user in the block chain by each bank when the user successfully applies the loan amount to each bank. Wherein the loan amount information comprises: name, identification card, loan bank, loan amount, loan interest rate, loan term, etc.
Secondly, sharing the loan amount: according to the user loan amount information stored in the block chain, the loan amount of all banks under the same user name is accumulated and stored in the block chain, namely the loan amount of the user is the loan amount of the user, and the loan amount information, the bank information, the loan amount information of each bank and the loan interest rate information are fed back to the loan service system of each bank, wherein the loan interest rate information is sequenced from low to high, so that the user can check the loan amount of the user in total at each bank end, and the bank to which the loan amount belongs and the corresponding interest rate.
③ matching loan interest rate: when a user initiates a loan service request (a loan application service request or a loan service request) from a bank, matching a line with the lowest interest rate to preferentially loan according to user loan line information stored in a block chain, and when the user loan amount does not exceed a line corresponding to the lowest interest rate, directly preferentially loan from the line with the lowest interest rate; and if the loan amount of the user exceeds the amount corresponding to the lowest interest rate, the loan amount exceeding part of the amount matches the amount with the second lowest interest rate to carry out loan, and so on.
When a user initiates a repayment transaction from a bank, matching a loan with the highest interest rate according to loan particulars stored in a block chain, and preferentially repaying, wherein when the repayment amount of the user does not exceed the loan amount corresponding to the highest interest rate, the repayment amount is all used for repaying the loan with the highest interest rate; and if the repayment amount of the user exceeds the loan amount corresponding to the highest interest rate, the repayment is carried out by matching the higher interest rate loan amount with the amount exceeding part of the repayment amount, and the rest is done in turn.
Fourthly, updating the loan amount: and when the loan service (loan application service or repayment service) of the user is successfully executed, updating the loanable limit information stored in the block chain, and synchronizing the updated loanable limit information to the bank. Wherein the updated loanable limit is: original loan amount-current loan amount.
Storing the loan detail: when the loan transaction (loan application transaction or repayment transaction) of the user is successfully executed, the loan transaction information (e.g., loan detail information) of the user is recorded in the block chain for subsequent loan repayment. And synchronizing the details to the bank, wherein the loan detail information includes but is not limited to: name, identity card, loan bank, user loan amount, loan interest rate, loan date, repayment date.
Based on the same inventive concept, the embodiment of the present invention further provides a device for processing a block chain-based inter-bank loan service, as described in the following embodiments. Because the principle of solving the problems of the device is similar to the block chain-based inter-bank loan transaction processing method, the implementation of the device can refer to the implementation of the block chain-based inter-bank loan transaction processing method, and repeated parts are not described again.
Fig. 8 is a schematic diagram of an apparatus for processing a block chain-based inter-bank loan service according to an embodiment of the present invention, as shown in fig. 8, the apparatus includes: a loan transaction request module 81, a block chain data query module 82 and a loan transaction execution module 83.
The loan service request module 81 is used for receiving a loan service request initiated by a loan client;
the block chain data query module 82 is configured to query, according to the loan service request, loan information of the loan customer from a block chain network, where loan information of the loan customer in multiple banks is stored on the block chain network, and the loan information at least includes: loan amount information and loan interest rate information;
and the loan transaction execution module 83 is used for executing loan transactions corresponding to the loan transaction requests according to the loan information of the loan clients in a plurality of banks.
In one embodiment, as shown in fig. 9, the device for processing a block chain-based inter-bank loan service according to an embodiment of the present invention further includes: the loan information chaining module 84 is used for collecting loan information of loan clients in various banks; and storing the loan information of the loan clients in each bank to the block chain network.
In one embodiment, as shown in fig. 10, in the block chain-based inter-bank loan transaction processing apparatus provided in the embodiment of the present invention, in the case that the loan transaction request is a loan application transaction request, the loan transaction execution module 83 includes: a loan application business execution unit 831, configured to select, according to loan information of a loan client in a plurality of banks, a bank that satisfies a loan amount requested by a loan application business request and has the lowest loan interest rate information from the plurality of banks, as a loan bank that executes a loan application business; and calling a loan service system of the loan bank to execute the loan repayment service requested by the loan application service request.
In another embodiment, as shown in fig. 10, in the block chain-based cross-bank loan transaction processing apparatus provided in the embodiment of the present invention, in a case where the loan transaction request is a loan repayment transaction request, the loan transaction execution module 83 includes: a loan repayment business execution unit 832, configured to select, according to loan information of the loan client in multiple banks, a bank that satisfies the repayment amount requested by the loan repayment business request and has the highest loan interest rate information from the multiple banks, as a repayment bank that executes the loan repayment business; and calling a loan transaction system of the repayment bank to execute the loan repayment transaction requested by the loan repayment transaction request.
In one embodiment, as shown in fig. 11, the device for processing a block chain-based inter-bank loan service according to an embodiment of the present invention further includes: a loan information updating module 85, configured to obtain loan service information that is successfully executed; and updating the loan information of the loan clients stored on the block chain network according to the loan service information.
In one embodiment, as shown in fig. 12, the device for processing a block chain-based inter-bank loan service according to an embodiment of the present invention further includes: a loan transaction information uplink module 86, configured to obtain loan transaction information that is successfully executed; and storing the loan service information on the blockchain network.
In one embodiment, as shown in fig. 13, the device for processing a block chain-based inter-bank loan service according to an embodiment of the present invention further includes: and the data synchronization module 87 is used for sending the loan service information to the loan service system of the corresponding bank through the block chain 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 in the prior art that it is difficult to implement a cross-bank loan service because loan information of each customer in each bank loan service system is independent from each other, fig. 14 is a schematic diagram of a computer device in an embodiment of the present invention, as shown in fig. 14, the computer device 140 includes a memory 1401, a processor 1402, and a computer program stored in the memory 1401 and operable on the processor 1402, and when the processor 1402 executes the computer program, the block chain-based cross-bank loan service processing method is implemented.
Based on the same inventive concept, the embodiment of the invention further provides a computer-readable storage medium, which is used for solving the technical problem that in the prior art, due to the fact that loan information of each customer in each bank loan service system is independent, the inter-bank loan service is difficult to realize, and the computer-readable storage medium stores a computer program for executing the block chain-based inter-bank loan service processing method.
In summary, according to the inter-bank loan transaction processing method, the inter-bank loan transaction processing device, the computer device, and the computer readable storage medium provided in the embodiments of the present invention, after receiving a loan transaction request initiated by a loan client, according to the received loan transaction request, the loan information of the loan client in multiple banks, such as loan amount and loan interest rate, is queried from the block chain network, and then, according to the loan information of the loan client in multiple banks, a loan transaction corresponding to the loan transaction request is executed.
In the embodiment of the invention, the loan amount information and the loan interest rate information provided by a plurality of banks for a certain client are stored based on the block chain network, and the inter-bank loan application or repayment operation can be supported, so that the client preferentially selects the bank with low loan interest rate to execute the loan application operation, and preferentially selects the bank with high loan interest rate to execute the loan repayment 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 (16)
1. A block chain-based inter-bank loan service processing method is characterized by comprising the following steps:
receiving a loan service request initiated by a loan client;
according to the loan service request, inquiring loan information of the loan client from a block chain network, wherein the block chain network stores loan information of the loan client in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information;
and executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks.
2. The method of claim 1, wherein before querying the loan information of the loan customer from a blockchain network in accordance with the loan service request, the method further comprises:
collecting loan information of the loan clients in each bank;
and storing the loan information of the loan clients in each bank to the block chain network.
3. The method as claimed in claim 1, wherein, in the case that the loan transaction request is a loan application transaction request, performing a loan transaction corresponding to the loan transaction request according to loan information of the loan client at a plurality of banks, comprises:
selecting a bank which meets the requested loan limit of the loan application service request and has the lowest loan interest rate information from a plurality of banks according to the loan information of the loan client in the plurality of banks as a loan bank for executing the loan application service;
and calling a loan service system of the loan bank to execute the loan repayment service requested by the loan application service request.
4. The method as claimed in claim 1, wherein in the case that the loan transaction request is a loan repayment transaction request, performing a loan transaction corresponding to the loan transaction request according to loan information of the loan client at a plurality of banks, comprises:
selecting a bank which meets the repayment amount requested by the loan repayment service request and has the highest loan interest rate information from a plurality of banks according to the loan information of the loan client in the plurality of banks as a repayment bank for executing loan repayment service;
and calling a loan repayment service system of the repayment bank to execute the loan repayment service requested by the loan repayment service request.
5. The method as claimed in claim 1, wherein after performing the corresponding loan transaction of the loan transaction request according to the loan information of the loan client at a plurality of banks, the method further comprises:
obtaining loan service information successfully executed;
and updating the loan information of the loan clients stored on the block chain network according to the loan service information.
6. The method of claim 5, wherein after obtaining information on the successful performance of the loan transaction, the method further comprises:
obtaining loan service information successfully executed;
and storing the loan service information to a block chain network.
7. The method of claim 6, wherein after storing the loan transaction information on a blockchain network, the method further comprises:
and sending the loan service information to a loan service system of a corresponding bank through the block chain network.
8. A block chain-based inter-bank loan transaction processing apparatus, comprising:
the loan service request module is used for receiving a loan service request initiated by a loan client;
the block chain data query module is used for querying loan information of the loan customer from a block chain network according to the loan service request, wherein the block chain network stores loan information of the loan customer in a plurality of banks, and the loan information at least comprises: loan amount information and loan interest rate information;
and the loan service execution module is used for executing the loan service corresponding to the loan service request according to the loan information of the loan client in a plurality of banks.
9. The apparatus of claim 8, wherein the apparatus further comprises: the loan information chaining module is used for collecting loan information of the loan clients in each bank; and storing the loan information of the loan clients in each bank to the block chain network.
10. The apparatus of claim 8, wherein in the case where the loan transaction request is a loan application transaction request, the loan transaction execution module comprises:
the loan application business execution unit is used for selecting a bank which meets the loan limit requested by the loan application business request and has the lowest loan interest rate information from a plurality of banks according to the loan information of the loan client in the plurality of banks as a loan bank for executing the loan application business; and calling a loan service system of the loan bank to execute the loan repayment service requested by the loan application service request.
11. The apparatus of claim 8, wherein in the case where the loan transaction request is a loan repayment transaction request, the loan transaction execution module comprises:
the loan repayment business execution unit is used for selecting a bank which meets the repayment limit requested by the loan repayment business request and has the highest loan interest rate information from a plurality of banks according to the loan information of the loan client in the plurality of banks, and the bank is used as a repayment bank for executing the loan repayment business; and calling a loan transaction system of the repayment bank to execute the loan repayment transaction requested by the loan repayment transaction request.
12. The apparatus of claim 8, wherein the apparatus further comprises:
the loan information updating module is used for acquiring loan service information which is successfully executed; and updating the loan information of the loan clients stored on the block chain network according to the loan service information.
13. The apparatus of claim 12, wherein the apparatus further comprises:
the loan service information uplink module is used for acquiring loan service information which is successfully executed; and storing the loan service information on a block chain network.
14. The apparatus of claim 13, wherein the apparatus further comprises:
and the data synchronization module is used for sending the loan service information to the loan service system of the corresponding bank through the block chain network.
15. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the block chain based cross-bank loan transaction processing method according to any one of claims 1 to 7 when executing the computer program.
16. A computer-readable storage medium storing a computer program for executing the block chain-based cross-bank loan transaction processing method according to any one of claims 1 to 7.
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| Publication number | Priority date | Publication date | Assignee | Title |
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