CN115330523A - Loan post-processing method and system based on block chain - Google Patents

Loan post-processing method and system based on block chain Download PDF

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CN115330523A
CN115330523A CN202210992583.5A CN202210992583A CN115330523A CN 115330523 A CN115330523 A CN 115330523A CN 202210992583 A CN202210992583 A CN 202210992583A CN 115330523 A CN115330523 A CN 115330523A
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transaction
user
bank
block chain
loan
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滕建德
王欣
何怀莹
曹仰止
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Bank of China Ltd
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Bank of China Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/389Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08Insurance

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Abstract

The invention discloses a block chain-based loan post-processing method and a block chain-based loan post-processing system, which relate to the technical field of block chains.A plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; wherein the method comprises the following steps: when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information; when each bank node receives risk prompt information sent by the blockchain network and confirms that the transaction of the user really has risk according to the detailed transaction information of the loan account, the bank node inquires the loan account information of the user according to the identification information of the user and calls the transaction of the bank frozen account to freeze the loan account of the user. The invention can realize high-efficiency and safe post-loan processing based on the block chain and ensure the post-loan security of the bank.

Description

Loan post-processing method and system based on block chain
Technical Field
The present invention relates to the field of block chain technology, and in particular, to a block chain-based loan post-processing method and system.
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, after a user applies for credit at a bank, there are cases of illegal transactions or bad accounts. When a user has illegal transactions or bad accounts in one bank, the bank can freeze the account of the user, but often cannot inform other banks in time, finally, the user also has illegal transactions or bad accounts in other banks, and finally, losses are caused to multiple banks.
Disclosure of Invention
The embodiment of the invention provides a block chain-based loan post-processing method, which is used for realizing efficient and safe loan post-processing based on a block chain, wherein a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; the method comprises the following steps:
when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information;
when each bank node receives risk prompt information sent by a block chain network and confirms that the transaction of the user really has risk according to loan account detail transaction information, the bank node inquires the loan account information of the user according to the identification information of the user and calls the transaction of the bank frozen account to freeze the loan account of the user.
The embodiment of the invention also provides a block chain-based loan post-processing system, which is used for realizing efficient and safe loan post-processing based on the block chain, wherein a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; the system comprises:
the system comprises a transaction initiating bank node and a block chain network, wherein the transaction initiating bank node is used for sending risk prompt information to the block chain network when monitoring that the transaction of a user has risks; the risk prompt information comprises identification information of the user and loan account detail transaction information;
each bank node is used for inquiring the loan account information of the user according to the identification information of the user when the risk prompt information sent by the blockchain network is received and the transaction of the user is confirmed to have risk according to the detailed transaction information of the loan account, and calling the transaction of the bank frozen account to freeze the loan account of the user.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the block chain-based loan post-processing method when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing a block chain-based credit post-processing is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the block chain based credit post-processing method described above.
In the embodiment of the invention, in a block chain-based loan post-processing scheme, a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; by: when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information; when each bank node receives risk prompt information sent by a block chain network and confirms that the transaction of the user really has risk according to loan account detail transaction information, the loan account information of the user is inquired according to the identification information of the user, the transaction of the bank frozen account is called to freeze the loan account of the user, efficient and safe post-loan processing can be realized based on the block chain, and the post-loan security of the bank is ensured.
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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 embodiments or the prior art descriptions will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts. In the drawings:
FIG. 1 is a flow chart illustrating a block chain based loan processing method according to an embodiment of the invention;
FIG. 2 is a flowchart illustrating a block chain based post-loan processing method according to another embodiment of the invention;
FIG. 3 is a flowchart illustrating a block chain based post-loan processing method according to another embodiment of the invention;
FIG. 4 is a flowchart illustrating a block chain based post-loan processing method according to another embodiment of the invention;
FIG. 5 is a block chain based loan post-processing system in accordance with an embodiment of the invention;
fig. 6 is a block chain based loan post processing system in accordance with another embodiment of the 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.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet the relevant regulations of national laws and regulations.
The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of a, B, and C, and may mean including any one or more elements selected from the group consisting of a, B, and C.
In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the various embodiments is provided to illustrate the practice of the present application, and the sequence of steps is not limited thereto and can be adjusted as needed.
The technical problems in the prior art are as follows: when a user has a risk, such as illegal transaction or bad account, in a certain bank, the bank can freeze the account of the user, but other banks cannot be informed timely. In view of the above technical problems, embodiments of the present invention provide a block chain-based loan post-processing scheme, where the scheme is based on a block chain, and when a user makes a violation transaction or a bad account in a certain bank, the user triggers an intelligent contract to synchronize with each bank in time, so as to reduce the bad account for the bank and improve bank benefits. The embodiment of the invention stores the loan account data of the user into a block chain; storing the transaction detail of the loan account into a block chain for subsequent monitoring; a real-time monitoring module is arranged to monitor the transaction details and judge whether the user violates the transaction or has the risk of bad account; and setting an intelligent contract, and informing other rows of account freezing users in time when the users have illegal transactions or bad accounts. The block chain based credit post-processing scheme is described in detail below.
Fig. 1 is a schematic flow chart of a block chain-based loan post-processing method in an embodiment of the present invention, where a plurality of bank nodes where loan users exist form a block chain network, and each of the bank nodes stores loan account information and loan account detail transaction information of a user; as shown in fig. 1, the method comprises the steps of:
step 101: when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information;
step 102: when each bank node receives risk prompt information sent by a blockchain network and confirms that the transaction of the user really has risk according to detailed transaction information of a loan account, the bank node inquires the loan account information of the user according to the identification information of the user and calls the transaction of a bank frozen account to freeze the loan account of the user.
In the block chain-based loan post-processing method provided by the embodiment of the invention, a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the user; when in work: when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information; when each bank node receives risk prompt information sent by a block chain network and confirms that the transaction of the user really has risk according to detailed transaction information of the loan account, the bank node inquires loan account information of the user according to identification information of the user and calls the transaction of the bank frozen account to freeze the loan account of the user, so that efficient and safe post-loan processing can be realized based on the block chain, and the safety of the bank after loan is ensured. The block chain based credit post-processing method is described in detail below.
In one embodiment, as shown in fig. 2, the block chain based credit post-processing method may further include:
step 201: when monitoring that the transaction of the user has no risk, the bank node initiated by the transaction sends the current transaction details to the block chain network;
step 202: when the optimal bank node receives the current transaction detail, a transaction reliability consensus request is initiated;
step 203: after receiving the transaction reliability consensus request, each other bank node determines the reliability of the current transaction detail and sends the reliability confirmation result to the block chain network;
step 204: the optimal bank node receives the reliability confirmation result of each other bank node sent by the blockchain network, and sends the current transaction detail record request to the blockchain network when the reliability confirmation results of all the bank nodes reach a preset threshold value;
step 205: and each bank node stores the current transaction detail when receiving a current transaction detail record request sent by the block chain network.
In specific implementation, when the bank node initiated by the transaction monitors that the transaction of the user has no risk, the optimal bank node initiates a reliability consensus request, and further, when the reliability confirmation results of all the bank nodes reach a preset threshold value, transaction detail recording is carried out, so that the accuracy of post-credit management is further improved.
In specific implementation, the optimal bank node may be a bank node preset in the blockchain network, or a bank node elected in real time.
In an embodiment, as shown in fig. 3, the block chain based credit post-processing method may further include:
step 301: when the reliability confirmation results of all the bank nodes are smaller than a preset threshold value, the optimal bank node sends a reliability confirmation failure notice to the block chain network;
step 302: and when receiving the reliability confirmation failure notice sent by the blockchain network, the bank node initiating the transaction sends a notice of refusing the transaction to the user.
During specific implementation, when the reliability confirmation results of all the bank nodes are smaller than the preset threshold value, the optimal bank node refuses the transaction, and the safety is further improved.
In one embodiment, as shown in fig. 4, when each bank node receives risk prompt information sent from the blockchain network, and confirms that the transaction of the user really has a risk according to the loan account detail transaction information, it queries the loan account information of the user according to the identification information of the user, and invokes the transaction of the bank frozen account to freeze the loan account of the user, which may include step 102': when each bank node receives risk prompt information sent by a blockchain network and confirms that the transaction of the user really has risk according to detailed transaction information of the loan account, the bank nodes inquire the loan account information of the user according to one or any combination of the name, the identification number and the mobile phone number of the user, and the transaction of the bank frozen account is called to freeze the loan account of the user.
In specific implementation, when the transaction of the user really has risks according to the detailed transaction information of the loan account, the loan account information of the user is inquired according to one or any combination of the name, the identification card number and the mobile phone number of the user, namely the risk account is inquired according to the three elements of the name, the identification card number and the mobile phone number, and then the account freezing is carried out.
In order to facilitate an understanding of how the invention may be carried into effect, reference will now be made in detail.
The embodiment of the invention provides a block chain-based loan post-processing (management) method, which is characterized in that banks are respectively used as storage blocks to perform distributed storage of loan account data, and user loan account information and account detail transaction information are stored in the blocks. And linking loan account information and transaction detail information of the user by using the decentralization and safety characteristics of the block chain, triggering an intelligent contract when the user has illegal transaction or bad account in a certain bank, synchronizing the intelligent contract to each bank in time, and freezing the account of the user in time by each bank. Finally, bad account conditions are reduced for the bank, and bank benefits are improved. The details will be described below.
1. Implementation of loan account storage:
and after the user applies credit and loan for each bank successfully, the data storage block chain of the loan account is used for subsequently inquiring account information and freezing the account according to the three elements of the user. Wherein the account data includes: the system comprises a user, a name, an identity card number, a mobile phone number, a loan account number, balance, a loan bank and the like, wherein the name, the identity card number and the mobile phone number are called as three factors of the user and are used as the unique identification of the user.
2. Embodiments of transaction detail Block:
each bank is accessed as a block, each line corresponds to one block, each block is provided with an initial node, each new transfer transaction of the subsequent loan account is generated, the blocks of each line are broadcasted by the optimal block, and after more than 51 percent of the blocks are approved, the blocks are recorded in the respective blocks by each bank. Wherein the transfer transaction details include: roll-out person name, roll-out person identification number, roll-out person mobile phone number, roll-out account, roll-out amount, roll-in person name, roll-in account, transfer time, etc.
2.1 embodiments of the trading node:
after each newly added transfer transaction detail is confirmed through broadcasting, a new data node is generated, and each data node records user information of both transaction parties and the transaction amount information.
2.2 implementation of optimal block election:
and a random transaction request generated every month is supported to be sent to all modules, and the optimal module is judged by receiving the response speed of all modules.
3. The real-time monitoring implementation mode comprises the following steps:
when a new transfer transaction occurs, triggering a real-time monitoring function, sending the information of the user and the transaction details to a bank, returning whether the transaction is illegal or possible to cause bad accounts after the bank judges, and triggering an intelligent contract to inform the user to freeze the account of the user if the account of the user needs to be frozen.
4. Implementation of frozen accounts:
setting an intelligent contract, synchronizing the three elements of the user to each block when the account of the user needs to be frozen, inquiring the account information of the user by each block according to the three elements of the user, calling the transaction of the bank frozen account, and completing the freezing of all credit accounts of the user.
In summary, the embodiment of the present invention utilizes the block chain to implement the distributed storage function of credit account transactions in each bank, and when a user has an illegal transaction or bad account in a certain bank, an intelligent contract is triggered to notify other banks to freeze the user's account in time, thereby reducing the loss of the bank. The block chain system for the credit account transaction data is built by simulating a block chain data storage mode, so that the decentralization of transaction record storage can be realized, the safety and reliability of data storage are improved, meanwhile, based on the block chain, when illegal transactions or bad accounts occur in a certain bank, a user can trigger an intelligent contract and timely synchronize to each bank, finally, the condition of bad accounts is reduced for the bank, and the bank benefit is improved.
In the embodiments of the present invention, a block chain based loan post-processing system is further provided, as described in the following embodiments. Since the principle of solving the problem of the system is similar to the block chain-based credit post-processing method, the implementation of the system can be referred to the implementation of the block chain-based credit post-processing method, and repeated details are omitted.
Fig. 5 is a schematic structural diagram of a block chain-based loan post-processing system in an embodiment of the present invention, where a plurality of bank nodes where a loan user exists form a block chain network, and each of the bank nodes stores loan account information and loan account detail transaction information of the user; as shown in fig. 5, the system includes:
the bank node 01 for transaction initiation is used for sending risk prompt information to the block chain network when the risk of the transaction of the user is monitored; the risk prompt information comprises identification information of the user and loan account detail transaction information;
each bank node is used for inquiring the loan account information of the user according to the identification information of the user when the risk prompt information sent by the blockchain network is received and the transaction of the user is confirmed to have risk according to the detailed transaction information of the loan account, and calling the transaction of the bank frozen account to freeze the loan account of the user.
In one embodiment, the transaction-initiated bank node is further configured to send the current transaction details to the blockchain network when it is monitored that there is no risk in the transaction of the user;
as shown in fig. 6, the block chain-based credit post-processing system may further include: the optimal bank node 02 is used for initiating a transaction reliability consensus request when receiving the current transaction detail; receiving the reliability confirmation result of each other bank node sent by the blockchain network, and sending the current transaction detail record request to the blockchain network when the reliability confirmation results of all the bank nodes reach a preset threshold value;
each other bank node can be used for determining the reliability of the current transaction detail after receiving the transaction reliability consensus request and sending the reliability confirmation result to the block chain network; and when a current transaction detail recording request sent by the blockchain network is received, storing the current transaction detail.
In specific implementation, the optimal bank node in fig. 6 may also be a bank node for initiating a transaction.
In one embodiment, the optimal bank node may be further configured to send a reliability confirmation failure notification to the blockchain network when the reliability confirmation results of all the bank nodes are smaller than a preset threshold;
the transaction initiating bank node may be further configured to issue a transaction declination notification to the user upon receiving a failure to confirm the authenticity notification sent over the blockchain network.
In one embodiment, each bank node may be specifically configured to: when risk prompt information sent by a block chain network is received and when the fact that the user's transaction really has risk is confirmed according to loan account detail transaction information, the loan account information of the user is inquired according to one or any combination of the user's name, identification number and mobile phone number, and the loan account of the user is frozen by calling the transaction of the bank frozen account.
The embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and when the processor executes the computer program, the block chain-based post-loan processing method is implemented.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored, and when the computer program is executed by a processor, the method for processing a block chain-based credit post-processing is implemented.
An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the block chain based credit post-processing method described above.
In the embodiment of the invention, in a block chain-based loan post-processing scheme, a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; by: when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to a block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information; when each bank node receives risk prompt information sent by a block chain network and confirms that the transaction of the user really has risk according to loan account detail transaction information, the loan account information of the user is inquired according to the identification information of the user, the transaction of the bank frozen account is called to freeze the loan account of the user, efficient and safe post-loan processing can be realized based on the block chain, and the post-loan security of the bank is ensured.
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 has been 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 (11)

1. A block chain-based loan post-processing method is characterized in that a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; the block chain based credit post-processing method comprises the following steps:
when monitoring that the transaction of the user has risk, a bank node initiated by the transaction sends risk prompt information to the block chain network; the risk prompt information comprises identification information of the user and loan account detail transaction information;
when each bank node receives risk prompt information sent by a blockchain network and confirms that the transaction of the user really has risk according to detailed transaction information of a loan account, the bank node inquires the loan account information of the user according to the identification information of the user and calls the transaction of a bank frozen account to freeze the loan account of the user.
2. The block chain-based lending post-processing method according to claim 1, further comprising:
when monitoring that the transaction of the user has no risk, a bank node initiated by the transaction sends the current transaction details to the block chain network;
when the optimal bank node receives the current transaction detail, a transaction reliability consensus request is initiated;
after receiving the transaction reliability consensus request, each other bank node determines the reliability of the current transaction detail and sends the reliability confirmation result to the block chain network;
the optimal bank node receives the reliability confirmation result of each other bank node sent by the blockchain network, and sends the current transaction detail record request to the blockchain network when the reliability confirmation results of all the bank nodes reach a preset threshold value;
and each bank node stores the current transaction detail when receiving a current transaction detail record request sent by the block chain network.
3. The block chain-based credit post-processing method of claim 2, further comprising:
when the reliability confirmation results of all the bank nodes are smaller than a preset threshold value, the optimal bank node sends a reliability confirmation failure notice to the block chain network;
and when receiving the reliability confirmation failure notice sent by the block chain network, the bank node initiated by the transaction sends a transaction refusing notice to the user.
4. The method for processing after-loan based on blockchain as claimed in claim 1, wherein each bank node, upon receiving the risk prompt message sent from the blockchain network, queries the loan account information of the user according to the identification information of the user when confirming that the transaction of the user really has risk according to the loan account detail transaction information, and invokes the transaction of the bank frozen account to freeze the loan account of the user, comprising: when each bank node receives risk prompt information sent by a block chain network and confirms that the transaction of the user really has risk according to detailed transaction information of loan accounts, the bank node inquires loan account information of the user according to one or any combination of the name, the identification number and the mobile phone number of the user and calls the transaction of the bank frozen account to freeze the loan account of the user.
5. A loan post-processing system based on a block chain is characterized in that a plurality of bank nodes with loan users form a block chain network, and each bank node stores loan account information and loan account detailed transaction information of the users; the block chain based credit post-processing system comprises:
the system comprises a transaction initiating bank node and a block chain network, wherein the transaction initiating bank node is used for sending risk prompt information to the block chain network when monitoring that the transaction of a user has risks; the risk prompt information comprises identification information of the user and loan account detail transaction information;
each bank node is used for inquiring the loan account information of the user according to the identification information of the user when the risk prompt information sent by the blockchain network is received and the transaction of the user is confirmed to have risk according to the detailed transaction information of the loan account, and calling the transaction of the bank frozen account to freeze the loan account of the user.
6. The blockchain-based credit post-processing system of claim 5 wherein the transaction initiating banking node is further configured to send current transaction details to the blockchain network upon monitoring that the user's transaction is not at risk;
the block chain based credit post-processing system further comprises: the optimal bank node is used for initiating a transaction reliability consensus request when receiving the current transaction detail; receiving the reliability confirmation result of each other bank node sent by the blockchain network, and sending the current transaction detail record request to the blockchain network when the reliability confirmation results of all the bank nodes reach a preset threshold value;
each other bank node is also used for determining the reliability of the current transaction detail after receiving the transaction reliability consensus request and sending the reliability confirmation result to the block chain network; and storing the current transaction detail when receiving a current transaction detail recording request sent by the blockchain network.
7. The blockchain-based credit post-processing system of claim 6, wherein the optimal bank node is further configured to send a reliability confirmation failure notification to the blockchain network when the reliability confirmation results of all bank nodes are less than a preset threshold;
the transaction initiating bank node is further configured to send a transaction rejection notification to the user upon receiving a failure to confirm the authenticity notification sent via the blockchain network.
8. The blockchain-based credit post-processing system of claim 5, wherein each bank node is specifically configured to: when risk prompt information sent by a block chain network is received and when the fact that the user's transaction really has risk is confirmed according to loan account detail transaction information, the loan account information of the user is inquired according to one or any combination of the user's name, identification card number and mobile phone number, and the loan account of the user is frozen by calling the transaction of a bank frozen account.
9. 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 method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 4.
11. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
CN202210992583.5A 2022-08-18 2022-08-18 Loan post-processing method and system based on block chain Pending CN115330523A (en)

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CN116132142A (en) * 2022-12-30 2023-05-16 中国银联股份有限公司 Block chain attack interception method and device

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN116132142A (en) * 2022-12-30 2023-05-16 中国银联股份有限公司 Block chain attack interception method and device
CN116132142B (en) * 2022-12-30 2024-04-12 中国银联股份有限公司 Block chain attack interception method and device

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