CN115526704A - Loan management method and system based on block chain - Google Patents
Loan management method and system based on block chain Download PDFInfo
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- CN115526704A CN115526704A CN202211141804.4A CN202211141804A CN115526704A CN 115526704 A CN115526704 A CN 115526704A CN 202211141804 A CN202211141804 A CN 202211141804A CN 115526704 A CN115526704 A CN 115526704A
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Abstract
The invention relates to the technical field of loan management, and particularly discloses a loan management method and a loan management system based on a block chain, wherein the method comprises the steps of receiving a loan amount sent by a loan body and generating a loan contract; inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored without the signature information of both parties and an identification code determined by the signature information of both parties; packing the contract to be stored, generating a block, and inserting the block into a block chain; and recording the insertion information, and sending the insertion information and the identification code to both sides of the loan contract. The invention divides the information part and the contract requirement part of both sides of the loan contract, uploads the contract requirement part to the block chain, generates the identification code according to the information part of both sides, adopts the same algorithm in the processing process, establishes the corresponding relation between the identification code and the contract requirement part, and divides the storage task of the loan contract, thereby reducing the storage pressure of both sides of the loan and improving the risk resistance of the storage process.
Description
Technical Field
The invention relates to the technical field of loan management, in particular to a loan management method and system based on a block chain.
Background
Loan is a unit or person who borrows money from an institution such as a bank or a credit company and generally specifies interest and repayment date. The term "loan" in the broad sense means a general term of loan funds such as loan, withdrawal, overdraft, and the like. The bank puts in the centralized currency and the currency fund in a loan mode, can meet the requirement of social expansion reproduction on supplementary fund, promotes the development of economy, and meanwhile, the bank can obtain loan interest income and increase the accumulation of the bank.
With the development of society, loan activities often occur, and particularly, the current large loan platforms are started, so that ordinary people can also perform loan activities; the type of the loan activity is not considered by the technical scheme of the invention, and the technical scheme of the invention is characterized in that the loan activity generates a great amount of loan documents, the document storage pressure on loan parties, especially on a capital management party is great, and the documents are stored by the loan parties due to the privacy of the loan activity, and once some accidents occur, the process of retrieving the documents is very difficult.
Disclosure of Invention
The invention aims to provide a loan management method and system based on a block chain, which are used for solving the problems in the prior art.
In order to achieve the purpose, the invention provides the following technical scheme:
a method of blockchain-based loan management, the method comprising:
receiving a loan request sent by a loan body, acquiring body information of the loan body, and determining a loan quota according to the body information;
receiving a loan amount sent by a loan body based on the loan limit to generate a loan contract; wherein, the loan contract contains the signature information of both parties;
inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored without the signature information of both parties and an identification code determined by the signature information of both parties; a mapping relation exists between the identification code and the contract to be stored;
packing the contract to be stored, generating a block, and inserting the block into a block chain;
and recording the insertion information, and sending the insertion information and the identification code to both sides of the loan contract.
As a further scheme of the invention: the method comprises the following steps of receiving a loan request sent by a loan body, acquiring body information of the loan body, and determining loan quota according to the body information, wherein the steps comprise:
receiving a loan request sent by a loan body, and acquiring an inquiry authority granted by the loan body;
obtaining the receiving and payment records of the loan body according to the inquiry authority;
obtaining a loan record of the loan body according to the inquiry authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
and determining the loan quota according to the income and expense record and the loan record.
As a further scheme of the invention: the step of receiving a loan request sent by a loan body, obtaining the body information of the loan body, and determining the loan limit according to the body information further comprises:
the method comprises the steps of obtaining social permission of a loan body, and obtaining friend contact information of the loan body based on the social permission;
randomly sending a scoring request to the friend based on the friend contact way, and recording the sending number;
acquiring friend scores and recording feedback numbers;
correcting the friend score according to the feedback number and the sending number;
and correcting the loan quota according to the friend score.
As a further scheme of the invention: the step of generating a loan contract based on the loan limit receiving loan amount sent by the loan body comprises the following steps:
inquiring loan requirements in a preset loan requirement table according to the loan quota; the loan requirement comprises a quota item, a safety threshold item and a mortgage requirement item;
receiving a loan amount sent by a loan body, and inquiring a safety threshold in the loan plan according to the loan amount;
obtaining a certification document uploaded by a loan body, identifying the certification document, and calculating the safety degree;
and when the safety degree reaches the safety degree threshold value, reading the mortgage requirement, and generating a loan contract based on the mortgage requirement.
As a further scheme of the invention: the steps of obtaining the certification document uploaded by the loan body, identifying the certification document and calculating the safety degree comprise:
obtaining certification documents uploaded by a loan body, and clustering the certification documents based on a format to obtain text documents, audio documents, image documents and video documents which take the name of the loan body as an index;
converting the video file into an image file and an audio file, and converting the image file and the audio file into a text file;
and identifying the text file to obtain the safety degree.
As a further scheme of the invention: the step of identifying the text file to obtain the security degree comprises the following steps:
inputting the text file into a trained keyword extraction model to obtain keywords of the loan body;
matching the keywords with a preset standard word bank, and marking corresponding words in the standard word bank when the keywords appear in the standard word bank;
counting the marking result of the standard word bank to obtain a characteristic value; the characteristic value is a binary value;
and determining the safety degree according to the characteristic value.
The technical scheme of the invention also provides a loan management system based on the block chain, which comprises:
the quota determining module is used for receiving a loan request sent by a loan body, acquiring the body information of the loan body and determining loan quota according to the body information;
the contract generating module is used for receiving the loan amount sent by the loan body based on the loan limit to generate a loan contract; wherein, the loan contract contains the signature information of both parties;
the contract encryption module is used for inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored and an identification code determined by the signing information of both parties, wherein the signing information of both parties is removed; a mapping relation exists between the identification code and the contract to be stored;
the contract chaining module is used for packaging the contract to be stored, generating a block and inserting the block into the block chain;
and the information sending module is used for recording the insertion information and sending the insertion information and the identification code to both sides of the loan contract.
As a further scheme of the invention: the quota determining module comprises:
the system comprises a permission acquisition unit, a permission acquisition unit and a permission management unit, wherein the permission acquisition unit is used for receiving a loan request sent by a loan body and acquiring inquiry permission granted by the loan body;
the first record query unit is used for acquiring the receipt and payment records of the loan body according to the query authority;
the second record query unit is used for acquiring the loan record of the loan body according to the query authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
and the first execution unit is used for determining the loan quota according to the balance record and the loan record.
As a further scheme of the invention: the contract generation module comprises:
the request query unit is used for querying the loan request in a preset loan request table according to the loan limit; the loan requirement comprises a limit item, a safety threshold item and a mortgage requirement item;
the threshold query unit is used for receiving the loan amount sent by the loan body and querying the safety threshold in the loan plan according to the loan amount;
the safety degree calculation unit is used for acquiring the certification document uploaded by the loan body, identifying the certification document and calculating the safety degree;
and the second execution unit is used for reading the mortgage requirement and generating the loan contract based on the mortgage requirement when the safety degree reaches the safety degree threshold value.
As a further scheme of the invention: the security degree calculation unit includes:
the file clustering subunit is used for acquiring the certification file uploaded by the loan body, clustering the certification file based on the format, and acquiring a text file, an audio file, an image file and a video file which take the name of the loan body as an index;
the file conversion subunit is used for converting the video file into an image file and an audio file and converting the image file and the audio file into a text file;
and the identification subunit is used for identifying the text file to obtain the security.
Compared with the prior art, the invention has the beneficial effects that: the invention carries out identity verification on a loan body to generate a loan contract, divides the information part and the contract requirement part of both sides of the loan contract, uploads the contract requirement part to a block chain, generates an identification code according to the information part of both sides, adopts the same algorithm in the processing process, establishes the corresponding relation between the identification code and the contract requirement part, and divides the storage task of the loan contract, thereby reducing the storage pressure of both sides of the loan and improving the risk resistance of the storage process.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention.
Fig. 1 is a block flow diagram of a block chain-based loan management method.
Fig. 2 is a block diagram of a first sub-process of a blockchain-based loan management method.
Fig. 3 is a block diagram of a second sub-flow of a method for loan management based on a blockchain.
Fig. 4 is a block diagram showing the configuration of the block chain-based loan management system.
Fig. 5 is a block diagram showing the configuration of the quota determining module in the block chain-based loan management system.
Fig. 6 is a block diagram showing the structure of the contract generation module in the block chain-based loan management system.
Detailed Description
In order to make the technical problems, technical solutions and advantageous effects to be solved by the present invention more clearly apparent, the present invention is further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention.
Example 1
Fig. 1 is a block diagram illustrating a flow of a block chain-based loan management method, in an embodiment of the present invention, a block chain-based loan management method includes:
step S100: receiving a loan request sent by a loan body, acquiring body information of the loan body, and determining a loan quota according to the body information;
the sender of the loan request is a loan subject, which can be an enterprise or a person, and obtains the subject information of the loan subject to determine the loan limit; the loan limit refers to the loan limit which cannot be exceeded at most;
step S200: receiving a loan amount sent by a loan body based on the loan limit to generate a loan contract; wherein, the loan contract contains the signature information of both parties;
a loan contract can be generated based on the loan limit to be accepted by the loan body to send the loan limit; the loan contract contains information of both parties, and the information is information needing to be protected and needs to be hidden in the process of packaging and uploading to the block chain;
step S300: inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored without signature information of both parties and an identification code determined by the signature information of both parties; a mapping relation exists between the identification code and the contract to be stored;
the method comprises the steps that a loan contract is split, a contract to be stored with signature information of two parties removed and independent information containing the signature information of the two parties are obtained, then an identification code is generated according to the independent information containing the signature information of the two parties, at the moment, the contract to be stored with the signature information of the two parties removed and the identification code jointly form a pair of keys, the contract to be stored with the signature information of the two parties removed is a 'public key', can be displayed to the outside, and is a private key and is only stored by the two parties of the loan contract;
step S400: packing the contract to be stored, generating a block, and inserting the block into a block chain;
generating blocks after the contract is stored and packaged, inserting the blocks into a block chain, namely the blocks are disclosed and can not be changed, and the disclosed contents do not contain information of both sides of the loan contract; the corresponding relation exists between the identifier and the loan contract can be proved to be effective by the identifier if the two sides of the loan want to prove that the loan relation exists; in the process, the block chain can store all generated contracts without loss, so that the storage pressure of both loan parties is reduced; the risk resistance of the contract itself is also improved.
Step S500: recording insertion information, and sending the insertion information and the identification code to both sides of the loan contract;
the insertion information can be uplink time, so that a subsequent contract searching link is facilitated; it is worth mentioning that the signing information of both parties is also generally sent to both parties of the loan contract.
Fig. 2 is a block diagram of a first sub-flow of a block chain-based loan management method, where the step of receiving a loan request sent by a loan body, obtaining the body information of the loan body, and determining a loan quota according to the body information includes steps S101 to S104:
step S101: receiving a loan request sent by a loan body, and acquiring an inquiry authority granted by the loan body;
step S102: obtaining the receiving and payment records of the loan body according to the inquiry authority;
step S103: obtaining a loan record of the loan body according to the inquiry authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
step S104: and determining the loan quota according to the balance record and the loan record.
The above contents provide a specific loan limit determining scheme, and according to the inquiry authority, the income and expenditure records of the loan body and the loan record are obtained, wherein the income and expenditure records are used for proving the capability of the loan body, and the loan record is used for proving the credit level of the loan body, so that the loan limit is determined from two aspects together, and the method is more accurate.
Further, the step of receiving a loan request sent by a loan body, obtaining the body information of the loan body, and determining the loan limit according to the body information further includes:
the method comprises the steps of obtaining social permission of a loan body, and obtaining friend contact information of the loan body based on the social permission;
randomly sending a scoring request to the friend based on the friend contact information, and recording the sending number;
obtaining friend scores and recording feedback numbers;
correcting the friend score according to the feedback number and the sending number;
and correcting the loan quota according to the friend score.
The principle of the supplementary limit on the process of determining the loan quota is that the evaluation information of the loan body is obtained according to friends of the loan body, and the process is preferably anonymous, so that the authenticity of data can be guaranteed as much as possible; firstly, sending a certain number of scoring requests to acquire the scoring number of friends and the scores of the friends; then, calculating a feedback rate according to the friend scoring number (feedback number) and certain data (sending number); and finally, determining the friend score according to the feedback rate and the score, and correcting the loan limit according to the score.
Note that the effect of introducing the feedback rate is that the non-evaluation behavior is also regarded as the evaluation behavior.
Fig. 3 is a block diagram of a second sub-flow of the loan management method based on block chain, where the step of receiving the amount of the loan sent by the lender based on the loan quota and generating the loan contract includes steps S201 to S204:
step S201: inquiring loan requirements in a preset loan requirement table according to the loan quota; the loan requirement comprises a quota item, a safety threshold item and a mortgage requirement item;
step S202: receiving a loan amount sent by a loan body, and inquiring a safety degree threshold in the loan plan according to the loan amount;
step S203: obtaining a certification document uploaded by a loan body, identifying the certification document, and calculating the safety degree;
step S204: and when the safety degree reaches the safety degree threshold value, reading the mortgage requirement, and generating a loan contract based on the mortgage requirement.
The steps S201 to S204 specifically limit the generation process of the loan contract, the loan limit represents the strength of the loan body and corresponds to a certain requirement, the requirements are all indexed by the loan limit and are further pre-stored, and the stored content comprises a safety threshold item and a mortgage requirement item; the safety threshold item represents the lowest safety requirement, and the safety of the loan body is determined by the certificate uploaded by the loan body; inquiring the mortgage requirement when the safety of the loan body meets the requirement; when mortgage is received, the loan contract is almost agreed to hold.
Further, the steps of obtaining the certification document uploaded by the loan body, identifying the certification document, and calculating the security degree include:
obtaining certification documents uploaded by a loan body, and clustering the certification documents based on a format to obtain text documents, audio documents, image documents and video documents which take the name of the loan body as an index;
converting the video file into an image file and an audio file, and converting the image file and the audio file into a text file;
and identifying the text file to obtain the safety degree.
The process of the content includes the steps of separating and converting the certification document uploaded by the loan body into a text document, an audio document, an image document and a video document, then converting the video document into the audio document and the image document, then converting the audio document and the image document into a text document, and finally identifying the text document.
It is worth mentioning that these libraries are not necessarily all data-bearing, for example, the data in a video file is very small, and the processing procedure for providing a video file is intended to expand the types of qualification files, for example, a video at a certain outing party can also be used as a certification file.
Specifically, the step of identifying the text file to obtain the security degree includes:
inputting the text file into a trained keyword extraction model to obtain keywords of the loan body;
matching the keywords with a preset standard word bank, and marking corresponding words in the standard word bank when the keywords appear in the standard word bank;
counting the marking result of the standard word bank to obtain a characteristic value; the characteristic value is a binary value;
and determining the safety degree according to the characteristic value.
The principle of the scheme is that the occurrence condition of words in a preset standard word bank in a text file is judged, if all the words in the standard word bank appear in the text file, the safety degree of the certificate file can be considered to be high, and if one word in the standard word bank is not related, the safety degree of the certificate file can be considered to be low.
It should be noted that the above process may also adopt a reverse approach, that is, some illegal words are set in the standard word stock, and the more these words appear, the lower the security level.
Example 2
Fig. 4 is a block diagram illustrating a block chain-based loan management system, in an embodiment of the present invention, a block chain-based loan management system 10 includes:
the quota determining module 11 is used for receiving a loan request sent by a loan body, acquiring the body information of the loan body, and determining a loan quota according to the body information;
the contract generating module 12 is used for receiving the loan amount sent by the loan body based on the loan quota and generating a loan contract; wherein, the loan contract contains the signature information of both parties;
the contract encryption module 13 is used for inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored without the signature information of both parties and an identification code determined by the signature information of both parties; a mapping relation exists between the identification code and the contract to be stored;
a contract chaining module 14, configured to pack the contract to be stored, generate a block, and insert the block into a block chain;
and the information sending module 15 is used for recording the insertion information and sending the insertion information and the identification code to both sides of the loan contract.
Fig. 5 is a block diagram illustrating the structure of the quota determining module 11 in the block chain-based loan management system, where the quota determining module 11 includes:
the permission obtaining unit 111 is used for receiving a loan request sent by a loan body and obtaining inquiry permission granted by the loan body;
a first record inquiry unit 112, configured to obtain a balance record of the loan body according to the inquiry authority;
a second record query unit 113, configured to obtain a loan record of the loan body according to the query authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
a first executing unit 114, configured to determine a loan limit according to the balance record and the loan record.
Fig. 6 is a block diagram illustrating the structure of a contract generation module in the block chain-based loan management system, where the contract generation module 12 includes:
a request query unit 121, configured to query a loan request in a preset loan request table according to the loan quota; the loan requirement comprises a quota item, a safety threshold item and a mortgage requirement item;
a threshold query unit 122, configured to receive a loan amount sent by a loan body, and query a safety threshold in the loan plan according to the loan amount;
the safety degree calculation unit 123 is configured to obtain a certification document uploaded by the loan body, identify the certification document, and calculate a safety degree;
the second execution unit 124 is configured to read the mortgage requirement and generate a loan contract based on the mortgage requirement when the security reaches the security threshold.
Further, the security degree calculating unit 123 includes:
the file clustering subunit is used for acquiring the certification files uploaded by the loan body and clustering the certification files based on the format to obtain text files, audio files, image files and video files which take the name of the loan body as an index;
the file conversion subunit is used for converting the video file into an image file and an audio file and converting the image file and the audio file into a text file;
and the identification subunit is used for identifying the text file to obtain the security.
The functions that can be performed by the blockchain-based loan management method are performed by a computer device that includes one or more processors and one or more memories having stored therein at least one program code that is loaded into and executed by the one or more processors to perform the functions of the blockchain-based loan management method.
The processor fetches instructions and analyzes the instructions one by one from the memory, then completes corresponding operations according to the instruction requirements, generates a series of control commands, enables all parts of the computer to automatically, continuously and coordinately act to form an organic whole, realizes the input of programs, the input of data, the operation and the output of results, and the arithmetic operation or the logic operation generated in the process is completed by the arithmetic unit; the Memory comprises a Read-Only Memory (ROM) for storing a computer program, and a protection device is arranged outside the Memory.
Illustratively, a computer program can be partitioned into one or more modules, which are stored in memory and executed by a processor to implement the present invention. One or more of the modules may be a series of computer program instruction segments capable of performing certain functions, the instruction segments being used to describe the execution of the computer program in the terminal device.
It will be appreciated by those skilled in the art that the above description of the serving device is merely an example and does not constitute a limitation of the terminal device, and may include more or less components than those described above, or some of the components may be combined, or different components may include, for example, input output devices, network access devices, buses, etc.
The Processor may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. The general-purpose processor may be a microprocessor or the processor may be any conventional processor or the like, which is the control center of the terminal equipment and connects the various parts of the entire user terminal using various interfaces and lines.
The memory may be used to store computer programs and/or modules, and the processor may implement various functions of the terminal device by operating or executing the computer programs and/or modules stored in the memory and calling data stored in the memory. The memory mainly comprises a storage program area and a storage data area, wherein the storage program area can store an operating system, application programs required by at least one function (such as an information acquisition template display function, a product information publishing function and the like) and the like; the storage data area may store data created according to the use of the berth-state display system (e.g., product information acquisition templates corresponding to different product types, product information that needs to be issued by different product providers, etc.), and the like. In addition, the memory may include high speed random access memory, and may also include non-volatile memory, such as a hard disk, a memory, a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage device, a Flash memory device, or other volatile solid state storage device.
The terminal device integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the modules/units in the system according to the above embodiment may be implemented by a computer program, which may be stored in a computer-readable storage medium and used by a processor to implement the functions of the embodiments of the system. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer readable medium may include: any entity or device capable of carrying computer program code, recording medium, U.S. disk, removable hard disk, magnetic diskette, optical disk, computer Memory, read-Only Memory (ROM), random Access Memory (RAM), electrical carrier wave signal, telecommunications signal, software distribution medium, etc.
It should be noted that, in this document, 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 phrases "comprising a component of' 8230; \8230;" does not exclude the presence of another like element in a process, method, article, or apparatus that comprises the element.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A method for loan management based on a blockchain, the method comprising:
receiving a loan request sent by a loan body, acquiring body information of the loan body, and determining a loan quota according to the body information;
receiving a loan amount sent by a loan body based on the loan limit to generate a loan contract; wherein, the loan contract contains the signature information of both parties;
inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored without the signature information of both parties and an identification code determined by the signature information of both parties; a mapping relation exists between the identification code and the contract to be stored;
packing the contract to be stored, generating a block, and inserting the block into a block chain;
and recording the insertion information, and sending the insertion information and the identification code to both sides of the loan contract.
2. The method of claim 1, wherein the step of receiving a loan request sent by a loan body, obtaining the body information of the loan body, and determining the loan quota according to the body information comprises:
receiving a loan request sent by a loan body, and acquiring an inquiry authority granted by the loan body;
obtaining the receipt and payment records of the loan body according to the inquiry authority;
obtaining a loan record of the loan body according to the inquiry authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
and determining the loan quota according to the balance record and the loan record.
3. The method of claim 2, wherein the step of receiving a loan request sent by a loan body, obtaining the body information of the loan body, and determining the loan quota based on the body information further comprises:
the method comprises the steps of obtaining social permission of a loan body, and obtaining friend contact information of the loan body based on the social permission;
randomly sending a scoring request to the friend based on the friend contact way, and recording the sending number;
acquiring friend scores and recording feedback numbers;
correcting the friend score according to the feedback number and the sending number;
and correcting the loan quota according to the friend score.
4. The block chain-based loan management method according to claim 1, wherein the step of generating a loan contract based on the loan limit receiving loan amount sent by the lender comprises:
inquiring loan requirements in a preset loan requirement table according to the loan quota; the loan requirement comprises a quota item, a safety threshold item and a mortgage requirement item;
receiving a loan amount sent by a loan body, and inquiring a safety degree threshold in the loan plan according to the loan amount;
obtaining a certification document uploaded by a loan body, identifying the certification document, and calculating the safety degree;
and when the safety degree reaches the safety degree threshold value, reading the mortgage requirement, and generating a loan contract based on the mortgage requirement.
5. The method of claim 4, wherein the step of obtaining a document uploaded by a loan body, identifying the document, and calculating the security comprises:
obtaining certification documents uploaded by a loan body, and clustering the certification documents based on a format to obtain text documents, audio documents, image documents and video documents which take the name of the loan body as an index;
converting the video file into an image file and an audio file, and converting the image file and the audio file into a text file;
and identifying the text file to obtain the safety degree.
6. The method of claim 5, wherein the step of identifying the text document for security comprises:
inputting the text file into a trained keyword extraction model to obtain keywords of the loan body;
matching the keywords with a preset standard word bank, and marking corresponding words in the standard word bank when the keywords appear in the standard word bank;
counting the marking result of the standard word bank to obtain a characteristic value; the characteristic value is a binary value;
and determining the safety degree according to the characteristic value.
7. A blockchain-based loan management system, the system comprising:
the loan limit determining module is used for receiving a loan request sent by a loan subject, acquiring subject information of the loan subject and determining a loan limit according to the subject information;
the contract generating module is used for receiving the loan amount sent by the loan body based on the loan limit to generate a loan contract; wherein, the loan contract contains the signature information of both parties;
the contract encryption module is used for inputting the loan contract into a trained encryption algorithm to obtain a contract to be stored and an identification code determined by the signing information of both parties, wherein the signing information of both parties is removed; a mapping relation exists between the identification code and the contract to be stored;
the contract chaining module is used for packaging the contract to be stored, generating a block and inserting the block into the block chain;
and the information sending module is used for recording the insertion information and sending the insertion information and the identification code to both sides of the loan contract.
8. The block chain-based loan management system according to claim 7, wherein said quota determining module comprises:
the system comprises a permission acquisition unit, a permission acquisition unit and a permission management unit, wherein the permission acquisition unit is used for receiving a loan request sent by a loan body and acquiring inquiry permission granted by the loan body;
the first record query unit is used for acquiring the receipt and payment records of the loan body according to the query authority;
the second record query unit is used for acquiring the loan record of the loan body according to the query authority; the loan record comprises a loan amount and a repayment record, and the repayment record comprises overdue times and overdue duration;
and the first execution unit is used for determining the loan quota according to the balance record and the loan record.
9. The blockchain-based loan management system of claim 7, wherein the contract generation module comprises:
the request query unit is used for querying the loan request in a preset loan request table according to the loan limit; the loan requirement comprises a limit item, a safety threshold item and a mortgage requirement item;
the threshold query unit is used for receiving the loan amount sent by the loan body and querying the safety threshold in the loan plan according to the loan amount;
the safety degree calculation unit is used for acquiring the certification document uploaded by the loan body, identifying the certification document and calculating the safety degree;
and the second execution unit is used for reading the mortgage requirement and generating the loan contract based on the mortgage requirement when the safety degree reaches the safety degree threshold value.
10. The block chain-based loan management system according to claim 9, wherein the security degree calculation unit includes:
the file clustering subunit is used for acquiring the certification files uploaded by the loan body and clustering the certification files based on the format to obtain text files, audio files, image files and video files which take the name of the loan body as an index;
the file conversion subunit is used for converting the video file into an image file and an audio file and converting the image file and the audio file into a text file;
and the identification subunit is used for identifying the text file to obtain the security.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211141804.4A CN115526704A (en) | 2022-09-20 | 2022-09-20 | Loan management method and system based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211141804.4A CN115526704A (en) | 2022-09-20 | 2022-09-20 | Loan management method and system based on block chain |
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| Publication Number | Publication Date |
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| CN115526704A true CN115526704A (en) | 2022-12-27 |
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|---|---|---|---|
| CN202211141804.4A Pending CN115526704A (en) | 2022-09-20 | 2022-09-20 | Loan management method and system based on block chain |
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| Country | Link |
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| CN (1) | CN115526704A (en) |
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