CN114331586A - Block chain-based high-value article credit borrowing and returning system and method - Google Patents
Block chain-based high-value article credit borrowing and returning system and method Download PDFInfo
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Abstract
The embodiment of the specification discloses a block chain-based high-value article credit borrowing and returning system, a lender uploads article attribute data to a block chain network, and after a borrowing and returning contract is signed with a lender, an article right of use is transferred to the lender and an intelligent contract is called to upload the right of use transfer data to the block chain network; the lender signs a loan-returning contract to obtain the use right of the article according to the article attribute data, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the used state evidence of the article to the block chain network after the article is used; the evaluation party executes a credit evaluation task initiated by the blockchain network, proposes an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network; and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract. According to the scheme, the data of the goods credit borrowing and returning process are all linked to the block chain, so that the borrowing and returning records are guaranteed to be real and effective and are not tampered.
Description
Technical Field
The present disclosure relates to the field of computer software technologies, and in particular, to a block chain-based high-value item credit borrowing and returning system, method, electronic device, and storage medium.
Background
In daily life, people usually encounter situations needing borrowing, such as forgetting to take a charger and needing to borrow the charger of another person, or temporarily needing to go to another city and needing to borrow a car of another person and the like; in a traditional offline borrowing scenario, the borrowing and returning of low value items such as stationery, chargers, etc. is generally secured by the credit of the person himself, while high value items such as computer cars and even real estate, etc. may rely on the borrowing and returning contract and the deposit as security. In the process of borrowing and returning high-value articles, although the inevitable execution of the borrowing and returning contracts can be guaranteed by means of judicial measures, the most key factor causing the low efficiency is not the link of ' whether to return or ' execution of return ', but the link of proving when the amount is compensated in the borrowing and returning disputes; generally, an item lender tends to exaggerate item losses to obtain a higher compensation, while a borrower tends to diminish item losses to give a lower compensation.
Disclosure of Invention
It is an object of embodiments of the present specification to address the above problems and provide a block chain-based high-value item credit borrowing system, method, electronic device and storage medium.
In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:
the first aspect provides a block chain-based high-value article credit borrowing and returning system, which comprises a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block chain nodes;
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding operations;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit evaluation task initiated by the blockchain network, proposes an indemnity suggestion according to a borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish the corresponding operation of the borrowing and returning contract.
In a second aspect, a block chain-based high-value item credit borrowing and returning method is provided, which comprises a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block link point modules; the method comprises the following steps:
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding borrowing and returning operation;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit review task initiated by the blockchain network so as to propose an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract.
In a third aspect, an electronic device is provided, including: a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the method of the second aspect.
In a fourth aspect, a computer-readable storage medium is presented, which stores one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of the second aspect.
The specification can achieve at least the following technical effects:
in the system and the method, the block chain is completely arranged on the credit borrowing and returning process data, so that the borrowing and returning records are guaranteed to be real and effective and are not tampered; meanwhile, an opinion reference mode of an evaluator is introduced, effective compensation reference is provided for credit borrowing, and the condition that each term is regulated in the damage assessment process is avoided, so that dispute and compensation solving speed can be improved.
Drawings
In order to more clearly illustrate the embodiments of the present specification or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, it is obvious that the drawings in the following description are only some embodiments described in the present specification, and for those skilled in the art, other drawings can be obtained according to the drawings without any creative effort.
Fig. 1 is a block chain-based high-value item credit borrowing system according to an embodiment of the present disclosure.
Fig. 2 is a second structural diagram of a block chain-based high-value item credit borrowing system according to an embodiment of the present disclosure.
Fig. 3 is a schematic diagram of a block chain-based high-value item credit borrowing method according to an embodiment of the present disclosure.
Fig. 4 is a second block-chain-based high-value item credit borrowing method provided in the embodiment of the present disclosure.
Fig. 5 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification.
Detailed Description
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be clearly and completely described below with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all of the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
The following detailed description is directed to alternative disclosure schemes for digital identity attributes referred to in this specification by specific examples.
Example one
High value items are relative to low value items. In real life, computers, houses, automobiles and the like belong to high-value articles. In the present embodiment, the example in which the automobile is used as a high-value article is explained, and therefore, the article presented in the present specification means a high-value article; other items may be used without departing from the scope of the invention.
In the process of borrowing the automobile, the most basic is the lender and the lender of the automobile, the lender can be the actual owner of the automobile or the person who is entrusted to borrow the use right of the automobile, and the lender is the person who needs to borrow the automobile. In order to clearly illustrate the solution of the present invention, the present embodiment is further embodied as a car rental business, and the lender is assumed to be a car rental company. In the traditional automobile leasing business, a lender and a lender sign a leasing contract or a borrowing contract and establish a contract relation. However, the execution of the contract requires certain security measures, such as paying a certain proportion of deposit or using credit card security or credit card pre-authorization. However, such a method does not mark the full life cycle record of the automobile loan, and there is no original recording and proof process once the automobile has disputes such as scratches before or during the loan. According to the situation description, the block chain is introduced into the full life cycle of the automobile rental, and the unique advantage that the block chain technology cannot be tampered can be fully played by recording and proving the whole process of the block chain, so that the whole process recording of the executed loan and contract can be realized, and the dispute, the compensation, the evaluation and the like in the previous contract and the contract execution process can be comprehensively proved. This is advantageous for both parties to the loan and return contract.
The embodiment provides a block chain-based high-value item credit borrowing and returning system, as shown in fig. 1, comprising a block chain network 101, a lender 103, a lender 105 and an evaluator 107; and block chain nodes are respectively deployed on the lender, the lender and the evaluator. It should be noted that the lender 103, the lender 105, and the evaluator 107 may specifically be an application service program or a software client, or may be electronic devices such as a terminal, and in any case, can be in the form of a high-value item credit borrowing system component based on a block chain, which is in the technical solution of the present invention.
And the block chain network 101 stores corresponding evidence storage data of the goods borrowing and returning process and manages the intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding operations.
Specifically, the lender and the evaluator upload the data related to the borrowing and returning process and the evaluation process thereof to the blockchain network. For example, before lending, a lender collects data of appearance, interior, performance, mileage and the like of a car and stores the data in an uplink mode, wherein the data can be stored in a mode that large-capacity files such as pictures and videos are stored on corresponding storage carriers such as cloud disks, and corresponding Hash uplink certificates are stored, so that waste of space on the chain is reduced.
Optionally, the intelligent contract at least comprises methods corresponding to loan contract establishment and termination, deposit collection and refund, usage right transfer and return, dispute handling and indemnification handling. Here, the smart contract is a program that runs in a blockchain system or a blockchain network, and has a characteristic that it is automatically executed according to a set logic and an execution result is not falsifiable. Therefore, it is a key technical feature of the present embodiment that the full lifecycle procedures of borrowing and returning contracts are deployed in the blockchain network in an intelligent contract manner. Specifically, the intelligent contract concrete method of the full life cycle process node of the borrowing and returning contract, including the steps of the borrowing and returning contract stipulating and terminating, the deposit collecting and returning, the use right transferring and returning, the dispute processing, the compensation processing and the like, can be customized and realized according to the borrowing and returning characteristics of the high-value articles.
Optionally, one of the implementation manners of the blockchain network may provide a corresponding blockchain service through the BaaS platform. BaaS 'block chain as a service' refers to a block chain open platform which embeds a block chain frame into a cloud computing platform, provides a convenient and high-performance block chain ecological environment and ecological matching service by using the deployment and management advantages of cloud service infrastructure, and supports business expansion and operation support.
And the lender 103 uploads the article attribute data to the block chain network, transfers the article use right to the lender after signing a borrowing and returning contract with the lender, and calls the intelligent contract to upload the use right transfer data to the block chain network.
And the lender 105, which is used for obtaining the use right of the article according to the article attribute data and the lender signing and returning contract, constructing and deploying the intelligent contract, and calling the intelligent contract to upload the used state evidence of the article to the block chain network after the article is used.
Specifically, the lender acquires various data of the automobile from the block chain network, and can perform comparison and confirmation by adopting an offline field investigation mode; on the basis, an article borrowing and returning contract is made with the lender according to various data of the automobile. The specific implementation manner of signing the article borrowing and returning contract is to initialize an intelligent contract corresponding to the borrowing and returning contract, and then deploy the intelligent contract in the blockchain network, so that the subsequent related borrowing and returning operations are all recorded in the blockchain network.
And the evaluator 107 executes the credit review task initiated by the blockchain network, proposes an indemnity suggestion according to the borrowing and returning state and uploads the indemnity suggestion to the blockchain network.
And when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish the corresponding operation of the borrowing and returning contract. Specifically, if a dispute occurs, either the lender 103 or the lender 105 may initiate a dispute handling operation, specifically, the dispute handling method for calling the intelligent contract is called, and the indemnity suggestion is given by combining with the evaluator 107 to complete the indemnity handling. It should be noted that, in a loan contract, the number of the evaluators 107 is not limited, that is, a plurality of evaluators may participate in dispute processing, and a compensation suggestion is given according to the actual situation of each evaluator.
Another implementation of the block chain-based high-value item credit borrowing system is shown in fig. 2, and further includes a credit management subsystem 109, configured to calculate a credit score of the lender or the lender according to the borrowing/returning behavior and compensation behavior determination rule, so as to assist in handling disputes and compensations. Specifically, for the lender, if the lender A damages the goods and refuses reasonable compensation for many times, the credit score of the lender A is reduced; if the lender b rarely damages the item, and occasional damages also reach a reasonable compensation with the lender, the credit score of the lender b will rise. For the lender, if the lender A has behavior similar to malicious claims for a plurality of times, the credit score of the lender A is reduced; if the dispute proportion of the lender B is lower, the credit score of the lender B can be increased.
Example two
Referring to fig. 3, the block chain-based high-value item credit borrowing and returning method according to an embodiment of the present invention includes a block chain network, a lender, and an evaluator; the lender, the lender and the evaluator are respectively provided with block link point modules; the method comprises the following steps:
step 301: and storing corresponding evidence storage data of the goods borrowing and returning process by the block chain network, and managing an intelligent contract so as to enable the lender, the lender and the evaluator to call the intelligent contract to complete corresponding borrowing and returning operation.
Specifically, the lender and the evaluator upload the data related to the borrowing and returning process and the evaluation process thereof to the blockchain network. For example, before lending, a lender collects data of appearance, interior, performance, mileage and the like of a car and stores the data in an uplink mode, wherein the data can be stored in a mode that large-capacity files such as pictures and videos are stored on corresponding storage carriers such as cloud disks, and corresponding Hash uplink certificates are stored, so that waste of space on the chain is reduced.
Optionally, the intelligent contract at least comprises methods corresponding to loan contract establishment and termination, deposit collection and refund, usage right transfer and return, dispute handling and indemnification handling. Here, the smart contract is a program that runs in a blockchain system or a blockchain network, and has a characteristic that it is automatically executed according to a set logic and an execution result is not falsifiable. Therefore, it is a key technical feature of the present embodiment that the full lifecycle procedures of borrowing and returning contracts are deployed in the blockchain network in an intelligent contract manner. Specifically, the intelligent contract concrete method of the full life cycle process node of the borrowing and returning contract, including the steps of the borrowing and returning contract stipulating and terminating, the deposit collecting and returning, the use right transferring and returning, the dispute processing, the compensation processing and the like, can be customized and realized according to the borrowing and returning characteristics of the high-value articles.
Step 302: and the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender.
Step 303: the lender signs a loan return contract with the lender according to the article attribute data to obtain the article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used.
Step 304: and the evaluator executes a credit review task initiated by the blockchain network so as to propose an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network.
Step 305: and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract.
Specifically, if disputes occur, either the lender or the lender may initiate dispute processing operations, specifically, the dispute processing method for the intelligent contract is called, and the indemnity advice is given by combining with the evaluator to complete the indemnity processing. It should be noted that, in a loan and return contract, the number of evaluators is not limited, that is, a plurality of evaluators may participate in dispute processing, and a compensation suggestion is given according to the actual situation of each evaluator.
Another implementation scheme of the block chain-based high-value item credit borrowing and returning method is provided in this embodiment as shown in fig. 4, and further includes:
step 306: and calculating the credit score of the lender or the lender according to the borrowing and returning behavior and the compensation behavior judgment rule so as to assist in completing dispute processing and compensation processing. Specifically, for the lender, if the lender A damages the goods and refuses reasonable compensation for many times, the credit score of the lender A is reduced; if the lender b rarely damages the item, and occasional damages also reach a reasonable compensation with the lender, the credit score of the lender b will rise. For the lender, if the lender A has behavior similar to malicious claims for a plurality of times, the credit score of the lender A is reduced; if the dispute proportion of the lender B is lower, the credit score of the lender B can be increased.
EXAMPLE III
Fig. 5 is a schematic structural diagram of an electronic device according to an embodiment of the present specification. Referring to fig. 5, at a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 5, but this does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
The processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the shared resource access control device on the logic level. The processor is used for executing the program stored in the memory and is specifically used for executing the following operations:
the system comprises a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block link point modules; the method comprises the following steps:
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding borrowing and returning operation;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit review task initiated by the blockchain network so as to propose an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract.
The block chain-based high-value item credit borrowing method disclosed in the embodiments of fig. 3 to 4 of the present specification can be applied to or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
Of course, besides the software implementation, the electronic device of the embodiment of the present disclosure does not exclude other implementations, such as a logic device or a combination of software and hardware, and the like, that is, the execution subject of the following processing flow is not limited to each logic unit, and may also be hardware or a logic device.
Example four
Embodiments of the present specification also propose a computer-readable storage medium storing one or more programs, the one or more programs comprising instructions, which when executed by a portable electronic device comprising a plurality of application programs, are capable of causing the portable electronic device to perform the method of the embodiments shown in fig. 3 to 4, and in particular to perform the method of:
the system comprises a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block link point modules; the method comprises the following steps:
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding borrowing and returning operation;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit review task initiated by the blockchain network so as to propose an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract.
In short, the above description is only a preferred embodiment of the present disclosure, and is not intended to limit the scope of the present disclosure. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present specification shall be included in the protection scope of the present specification.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the system embodiment, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Claims (12)
1. A block chain-based high-value article credit borrowing and returning system is characterized by comprising a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block chain nodes;
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding operations;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit evaluation task initiated by the blockchain network, proposes an indemnity suggestion according to a borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish the corresponding operation of the borrowing and returning contract.
2. The blockchain-based high value item credit borrowing system according to claim 1, wherein the intelligent contracts include at least methods corresponding to loan contract establishment and termination, deposit collection and refund, usage right transfer and return, dispute handling, and indemnity handling.
3. The block chain-based credit borrowing system for high-value goods according to claim 1, wherein if a dispute occurs, the lender or the lender invokes a dispute handling method of the intelligent contract, and the evaluators give the indemnity advice to complete the indemnity handling.
4. The blockchain-based high value item credit borrowing system according to claim 1, wherein the lender and the lender each store item related information in respective storage carriers.
5. The blockchain-based high value item credit borrowing system according to claim 1, wherein the blockchain network provides corresponding blockchain services through a BaaS platform.
6. The block chain-based credit borrowing system for high value articles according to claim 1, further comprising a credit management subsystem for calculating the credit score of the lender or the lender according to the borrowing and reimbursing behavior decision rule to assist in dispute and reimbursement handling.
7. A block chain-based high-value article credit borrowing and returning method is characterized by comprising a block chain network, a lender and an evaluator; the lender, the lender and the evaluator are respectively provided with block link point modules; the method comprises the following steps:
the block chain network stores corresponding evidence storage data of an article borrowing and returning process, and manages an intelligent contract so that the lender, the lender and the evaluator call the intelligent contract to complete corresponding borrowing and returning operation;
the lender uploads the article attribute data to the block chain network, and transfers the article use right to the lender and calls the intelligent contract to upload the use right transfer data to the block chain network after signing a borrowing and returning contract with the lender;
the lender signs a lending contract with the lender according to the article attribute data to obtain an article use right, constructs and deploys the intelligent contract, and calls the intelligent contract to upload the article used state evidence to the block chain network after the article is used;
the evaluator executes a credit review task initiated by the blockchain network so as to propose an indemnity suggestion according to the goods borrowing and returning state and uploads the indemnity suggestion to the blockchain network;
and when the article is returned, judging whether compensation dispute occurs or not so as to call the intelligent contract to finish corresponding operation of borrowing and returning the contract.
8. The blockchain-based high value item credit borrowing and returning method according to claim 7, wherein the intelligent contracts at least include methods corresponding to borrowing and returning contract establishment and termination, deposit collection and return, usage right transfer and return, dispute handling, and indemnity handling.
9. The block chain-based credit borrowing and returning method for high-value items according to claim 7, wherein if a dispute occurs, the lender or the lender invokes a dispute handling method of the intelligent contract, and the evaluators give an indemnification suggestion to complete indemnification processing.
10. The blockchain-based high value item credit borrowing and returning method according to claim 7, further comprising: and calculating the credit score of the lender or the lender according to the borrowing and returning behavior and the compensation behavior judgment rule so as to assist in completing dispute processing and compensation processing.
11. An electronic device, comprising:
a processor; and
a memory arranged to store computer executable instructions that, when executed, cause the processor to perform the method of any of claims 7 to 10.
12. A computer readable storage medium, characterized in that the computer readable storage medium stores one or more programs that, when executed by an electronic device comprising a plurality of application programs, cause the electronic device to perform the method of any of claims 7 to 10.
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115081964A (en) * | 2022-08-20 | 2022-09-20 | 信通院(江西)科技创新研究院有限公司 | APPID credit management method and system based on block chain intelligent contract |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN115081964A (en) * | 2022-08-20 | 2022-09-20 | 信通院(江西)科技创新研究院有限公司 | APPID credit management method and system based on block chain intelligent contract |
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