CN116385138A - Method, system and storage medium for blockchain mortgage loan - Google Patents
Method, system and storage medium for blockchain mortgage loan Download PDFInfo
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Abstract
The invention takes mortgage loan order of transaction device as medium of terminal device and loan device. The terminal device sends a mortgage property request through a mortgage loan order unit to obtain a mortgage loan according to the property time price in the transaction device, obtain mortgage loan order information and send a loan request; and determining an intention loan device identifier through a loan unit, transferring mortgage blockchain assets of the number of the required mortgage assets to a mortgage blockchain address of the terminal device, determining a loan amount according to a loan amount, and generating a loan contract certificate of the terminal device according to the loan amount and the mortgage order information. In the invention, the blockchain digital property can realize quick pricing mortgage circulation through the terminal device, the loan device and the transaction device.
Description
Technical Field
The invention relates to the technical field of internet loans, in particular to a block chain mortgage loan method and system.
Background
With the rapid advancement of digital society, more and more assets are being enrolled in a blockchain digital asset. Management of these blockchain digital assets is also becoming increasingly important.
In the traditional mode, a user generally directly interfaces with a loan institution to obtain a mortgage of a property. But this model is opaque in internal process, promoting a large number of loan intermediaries, substantially reducing the efficiency of loans and funds transfer. If new digital property loan removing institutions such as blockchain are adopted for mortgage loans, the difficulty is very high.
In the prior art, the share of the property right certificate holder is determined according to the number of the registered property rights certificates and the holding proportion of the property right certificate holder, a first blockchain certificate corresponding to the property right certificate is generated or updated, and the registered balance is transferred from the registered first blockchain address balance to the registered balance of the first blockchain address of the property right certificate holder. However, the above solution still fails to address the problem of blockchain digital asset liquidity, which is still highly dependent on conventional non-digital currency conversion systems.
Disclosure of Invention
The inventor has found that there is an urgent need for a method of blockchain mortgage loans that incorporates a financial institution holding regulatory license plates to solve the problem of blockchain digital asset fast pricing mortgage circulation, forming a closed loop circulation of blockchain digital asset flows in a digital money system.
In order to overcome the defect that the blockchain digital property cannot be quickly priced and mortgage circulated in the prior art, the invention provides a method and a system for blockchain mortgage loans, which are used for solving the problems in the background art.
In order to achieve the above purpose, the invention is realized by the following technical scheme: a method of blockchain mortgage loan for a terminal device, the method comprising:
determining an intention loan device identifier according to the number of the mortgage assets required;
transferring the mortgage blockchain assets of the number of the assets to be mortgage to a mortgage blockchain address of a terminal device, wherein the private key of the mortgage blockchain address of the terminal device is owned by a transaction device;
sending a mortgage property request to acquire a mortgage loan according to a time of day of a property in a transaction device, the mortgage property request comprising: the terminal device mortgage blockchain address, the terminal device collection blockchain address, the intention loan device identifier, the number of mortgage assets required and the mortgage borrower identifier;
obtaining a mortgage loan order number according to the mortgage property request;
obtaining mortgage order information according to a mortgage order number, wherein the mortgage order information comprises: loan device repayment address, loan amount, loan required mortgage property quantity, loan device repayment address;
Determining a loan amount according to the loan amount, and generating a terminal device loan contract certificate according to the loan amount and the mortgage loan order information;
transmitting a loan request, the loan request comprising: the mortgage order number, the loan amount, and the terminal device loan contract certificate.
Further, the determining the intent loan device identifier based on the number of mortgage assets required includes: and determining the identity of the intention loan device according to the number of the mortgage assets required and the corresponding estimated loan amount, the mortgage asset category of the loan device, the loan interest rate and the loan deadline duration.
Further, the intent loan device identifier includes: loan device legal codes, and/or loan device blockchain addresses.
Further, the mortgage asset request further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan.
Further, the mortgage asset request further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
Further, the method further comprises:
Transferring a payoff amount from the terminal device payoff blockchain address to the loan device payoff address;
sending a mortgage repayment request, wherein the mortgage repayment request comprises: the mortgage order number, the payoff amount.
Further, the method further comprises:
transferring the loan amount and loan interest from the terminal device collection blockchain address to the loan device repayment address;
transmitting a mortgage release request, the mortgage release request comprising: the mortgage order number.
In another aspect, a method of blockchain mortgage for a transaction device, the method comprising:
receiving a mortgage asset request, the mortgage asset request comprising: a terminal device mortgage blockchain address, a terminal device recipient blockchain address, an intention loan device identifier, a number of mortgage assets to be mortgage, and a mortgage borrower identifier;
creating a mortgage loan order according to the mortgage property request, and determining a mortgage loan order number;
inquiring the address balance of the mortgage blockchain of the terminal device, and marking the trade state of the mortgage loan order as ordered if the address balance of the mortgage blockchain of the terminal device is larger than the number of the required mortgage assets;
Receiving a mortgage order response, the mortgage order response comprising: the mortgage loan order number, the loan device repayment address, the loan amount, the number of mortgage assets required for loan, and the loan device repayment address;
receiving a loan request, the loan request comprising: the mortgage loan order number, the loan amount and the loan contract certificate of the terminal device;
if the loan amount is greater than zero, determining a mortgage asset block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage assets required for loan in the mortgage asset block chain address special for the transaction device according to the loan request;
marking the mortgage loan order transaction status as mortgage;
receiving a loan completion response, the loan completion response comprising: the mortgage loan order number and the two-party loan contract certificate;
and marking the mortgage loan order transaction state as paid according to the loan device loan address transaction record.
Further, the mortgage asset request further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan.
Further, the mortgage asset request further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
Further, the method further comprises:
receiving a mortgage repayment request, the mortgage repayment request comprising: the mortgage order number and the payoff amount;
and correcting the loan amount to be repayment of the mortgage loan order according to the repayment amount and the loan interest.
Further, the method further comprises:
receiving a mortgage release request, the mortgage release request comprising: the mortgage loan order number;
marking the mortgage order transaction status as paid according to the transaction record from the terminal device collection blockchain address to the loan device repayment address and the loan interest.
Further, determining a mortgage property block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage property required for loan in the mortgage property block chain address special for the transaction device according to the loan request comprises:
determining the mortgage block chain address of the terminal device as a mortgage asset block chain address special for the transaction device;
And freezing the balance of the mortgage required amount of the loan in the special mortgage asset blockchain address of the transaction device according to the loan request.
Further, determining a mortgage property block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage property required for loan in the mortgage property block chain address special for the transaction device according to the loan request comprises:
transferring the amount of the mortgage assets required for loan from the address balance of the mortgage blockchain of the terminal device to the address balance of the mortgage blockchain of the loan device;
determining the mortgage block chain address of the loan device as a mortgage asset block chain address special for the transaction device;
and freezing the balance of the mortgage required amount of the loan in the special mortgage asset blockchain address of the transaction device according to the loan request.
Further, the method further comprises:
if the mortgage release request is not received within the loan deadline time, acquiring the loan amount and the loan interest from a third party's resale and change property in the transaction device by using the address balance of the mortgage property blockchain special for the transaction device;
transferring the loan amount and loan interest to the repayment address of the loan device;
Transferring the balance of the loan required mortgage property quantity deducting the variable sale property quantity from the special mortgage property blockchain address of the transaction device to the mortgage blockchain address of the terminal device and unfreezing;
marking the mortgage order transaction status as paid.
In another aspect, a method of blockchain mortgage loan for a loan device, the method comprising:
obtaining a mortgage loan order number;
and obtaining mortgage order information according to the mortgage order number, wherein the mortgage order information comprises: a terminal device mortgage blockchain address, a terminal device recipient blockchain address, a quantity of mortgage assets to be mortgage, and a mortgage borrower identification;
determining the number of mortgage assets required for loan and loan amount according to the mortgage borrower identification, the address balance of a mortgage blockchain of the terminal device and the number of the mortgage assets required;
transmitting a mortgage order response, the mortgage order response comprising: the mortgage loan order number, the loan device repayment address, the loan amount, the number of mortgage assets required for loan, and the loan device repayment address;
obtaining a mortgage loan order transaction state according to the mortgage loan order number, wherein the mortgage loan order transaction state comprises: mortgage asset block chain address special for transaction device, loan contract certificate of terminal device, loan amount;
Generating a loan contract voucher of both parties according to the mortgage loan order transaction state;
if the mortgage order transaction state is mortgage and the balance of the mortgage property block chain address special for the transaction device is not less than the quantity of mortgage property required by the loan, issuing the loan amount from the loan device deposit address to the terminal device collection block chain address;
transmitting a loan completion response, the response comprising: the mortgage loan order number and the two-party loan contract certificate.
Further, the mortgage order response further includes: and the private key of the mortgage block chain address of the loan device is owned by the transaction device.
Further, the mortgage order information further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan.
Further, the mortgage order information further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
Further, the determining the number of mortgage assets required for loan and the loan amount according to the mortgage borrower identifier, the address balance of the mortgage blockchain of the terminal device, and the number of mortgage assets required comprises:
Determining a loan amount according to the required mortgage property quantity and property category estimation model;
inquiring credit investigation record conditions of the mortgage borrower identification, and determining the loan amount according to the credit investigation record conditions; and/or the number of the groups of groups,
and if the mortgage block chain address balance of the terminal device is smaller than the mortgage property quantity, determining the mortgage property quantity required for loan and the loan amount according to the mortgage block chain address balance of the terminal device.
Further, the method further comprises: the loan amount is recorded on a financial accounting blockchain.
In another aspect, a system for blockchain mortgage loans for a terminal device, the terminal device comprising: a loan unit, a mortgage order unit; the loan unit is logically connected with the mortgage loan order unit;
the mortgage loan order unit is configured to send a mortgage property request to obtain a mortgage loan according to a property time price in the transaction device, obtain mortgage loan order information, and send a loan request, where the loan request includes: the mortgage loan order number, the loan amount and the terminal device loan contract certificate;
and the loan unit is used for determining the identity of the intention loan device, transferring mortgage blockchain assets of the number of the mortgage assets to the mortgage blockchain address of the terminal device, determining the loan amount according to the loan amount, and generating the loan contract certificate of the terminal device according to the loan amount and the mortgage order information.
In another aspect, a system for blockchain mortgage loans for use in a transaction device, the terminal device comprising: a mortgage unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
the mortgage loan order unit is used for receiving a mortgage property request, creating a mortgage loan order, managing the transaction state of the mortgage loan order, receiving a mortgage loan order receiving response, receiving a loan request and receiving a loan completion response;
the mortgage unit is used for inquiring the balance of the mortgage blockchain address of the terminal device, determining the special mortgage asset blockchain address of the transaction device, and freezing the balance of the amount of mortgage assets required for loaning in the special mortgage asset blockchain address of the transaction device according to the loan request.
In another aspect, a system for blockchain mortgage loan for a loan device, the loan device comprising: a mortgage loan unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
the mortgage loan order unit is used for acquiring mortgage loan order information, sending a mortgage loan order receiving response, acquiring a mortgage loan order transaction state and sending a loan completion response;
The mortgage unit is used for determining the amount of the mortgage required to be loaned and the loan amount according to the identification of the mortgage borrower, the address balance of the mortgage blockchain of the terminal device and the amount of the mortgage required to be mortgage, generating two-party loan contract certificate according to the transaction state of the mortgage order, and distributing the loan amount from the loan device loan address to the terminal device collection blockchain address.
In another aspect, a non-transitory computer readable storage medium having stored thereon a computer program, wherein the computer program when executed by a processor performs the steps of a method of blockchain mortgage loans as defined in any one of the preceding claims.
The invention provides a method and a system for a blockchain mortgage. The beneficial effects are as follows:
in the invention, the following components are added: the invention takes mortgage loan order of transaction device as medium of terminal device and loan device. The terminal device sends a mortgage property request through a mortgage loan order unit to obtain a mortgage loan according to the property time price in the transaction device, obtain mortgage loan order information and send a loan request; and determining an intention loan device identifier through a loan unit, transferring mortgage blockchain assets of the number of the required mortgage assets to a mortgage blockchain address of the terminal device, determining a loan amount according to a loan amount, and generating a loan contract certificate of the terminal device according to the loan amount and the mortgage order information. The user can conveniently acquire the loan through the blockchain mortgage; the transaction mechanism can conveniently manage mortgage loan orders and mortgage assets, can automatically sell the mortgage assets due to expiration, has high efficiency flow, and can effectively reduce and prevent risks; the loan organization can conveniently and fast loan through the blockchain without establishing a complex system, can manage the purpose of the loan before and after the loan according to the commodity order information, can meet the supervision requirement to the greatest extent, can verify and trace the whole-course record, and can automatically finish the accounting on the financial accounting chain of the loan organization. In the invention, the blockchain digital property can realize quick pricing mortgage circulation through the terminal device, the loan device and the transaction device.
Drawings
Fig. 1 is a flowchart of a first embodiment of the present invention.
Description of the embodiments
The invention is further illustrated by the following examples in conjunction with the accompanying drawings:
examples
The embodiment of the invention discloses a method for mortgage loan of a blockchain, which is used for a terminal device and comprises the following steps:
step S101, determining the intention loan device identification according to the number of mortgage assets required. The user can introduce and select the loan device corresponding to the loan organization according to various product details of the loan page pushed by the transaction device, so as to obtain the identity of the intention loan device. When the loan organization itself or through the cooperative organization transaction device to promote the internet loan products to the users, the basic information such as the loan body, the loan condition, the actual annual interest rate, the annual comprehensive capital cost, the repayment arrangement, the overdue clear collection, the consultation complaint channel, the default responsibility and the like can be fully disclosed in the striking position.
Step S102, transferring the mortgage blockchain assets of the quantity of the mortgage assets to the mortgage blockchain address of the terminal device, wherein the private key of the mortgage blockchain address of the terminal device is owned by the transaction device. The blockchain herein includes techniques such as blockdag. The terminal device mortgage blockchain address of the terminal device arranged on the transaction device is limited by the transaction device in use, and can only perform the operation in the authority according to the page provided by the transaction device. The transaction device herein may be operated by a regulated financial institution including, but not limited to, banking financial institutions, insurance companies and other financial institutions and small loan companies, financing vouchers, e-commerce companies, non-bank payment institutions, information technology companies and other non-financial institutions.
Step S103, sending a mortgage property request to obtain a mortgage loan according to a property time price in a transaction device, the mortgage property request including: the terminal device mortgage blockchain address, the terminal device recipient blockchain address, the intention loan device identifier, the number of mortgage assets required, and the mortgage borrower identifier.
And step S104, obtaining a mortgage loan order number according to the mortgage property request.
Step S105, mortgage loan order information is obtained according to the mortgage loan order number, and the mortgage loan order information comprises: loan device repayment address, loan amount, loan required mortgage property quantity, loan device repayment address;
step S106, determining the loan amount according to the loan amount, and generating a terminal device loan contract certificate according to the loan amount and the mortgage loan order information;
step S107, a loan request is sent, wherein the loan request comprises: mortgage order number, loan amount, and terminal device loan contract certificate. The terminal device loan contract certificate contains the signature or electronic signature of the user and is sent to the transaction device so that the loan device downloads or receives the signature verification for exchanging with a loan organization, thereby meeting the supervision requirement.
Further, the determining the intent loan device identifier based on the number of mortgage assets required includes: and determining the identity of the intention loan device according to the number of the mortgage assets required and the corresponding estimated loan amount, the mortgage asset category of the loan device, the loan interest rate and the loan deadline duration.
Further, the intent loan device identifier includes: loan device legal codes, and/or loan device blockchain addresses.
Further, the mortgage asset request further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan. In some regional regulations, where explicit use of loans is required, the commodity order information using the loans may include commodity order, service order inventory information that is waiting for payment, or commodity order, service order inventory information that has been included for purchase. By the method, the application of loans can be managed before and after loans according to commodity order information, the supervision requirement can be met to the greatest extent, and the whole-process record can be verified and traced.
Further, the mortgage asset request further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device. Through the embodiment, the user can transact mortgage rights or mortgage right procedures in the registration mechanism in advance according to the prepositive step of the loan institution, and then obtain the loan through the transaction device, and the loan institution can also check according to the mortgage rights electronic certificate online in real time, thereby ensuring the digital crossing of the whole process and improving the mortgage loan efficiency.
Further, the method further comprises:
transferring a payoff amount from the terminal device payoff blockchain address to the loan device payoff address;
sending a mortgage repayment request, wherein the mortgage repayment request comprises: the mortgage order number, the payoff amount.
Further, the method further comprises:
transferring the loan amount and loan interest from the terminal device collection blockchain address to the loan device repayment address;
transmitting a mortgage release request, the mortgage release request comprising: the mortgage order number.
Typical implementation flow steps are exemplified as follows: (refer to FIG. 1)
1. The terminal device selects a loan device and initiates a mortgage area property request to the transaction device;
2. the transaction device marks the transaction state of the order as the ordered;
3. after the loan device acquires the loan order, the loan device gives a mortgage loan order response to the transaction device;
4. the terminal device initiates a video witness verification through an access page of the transaction device according to the loan device requirement; this step can also be skipped, mainly based on local regulatory requirements and on the user's completed identity verification;
5. the terminal device initiates a loan request to the transaction device;
6. Transferring or freezing mortgage blockchain assets by the transaction device, and marking the order transaction state as mortgage;
7. the loan device issues loans and initiates loan completion responses to the transaction device;
8. the transaction device marks the transaction state of the order as paid;
9. the terminal device pays back to the block chain cash register of the loan device;
10. the terminal device initiates a mortgage release request to the transaction device;
11. the transaction device marks the order transaction state as repayment;
examples
The second embodiment of the invention discloses a method for a blockchain mortgage loan, which is used for a transaction device and comprises the following steps:
step S201, receiving a mortgage asset request, the mortgage asset request comprising: the terminal device mortgage blockchain address, the terminal device recipient blockchain address, the intention loan device identifier, the number of mortgage assets required, and the mortgage borrower identifier.
Step S202, a mortgage loan order is created according to the mortgage property request, and a mortgage loan order number is determined.
Step S203, inquiring the address balance of the mortgage blockchain of the terminal device, and marking the trade state of the mortgage loan order as ordered if the address balance of the mortgage blockchain of the terminal device is larger than the number of the required mortgage assets.
Step S204, receiving a mortgage order response, wherein the mortgage order response comprises: the mortgage loan order number, the loan device repayment address, the loan amount, the amount of mortgage assets required for loan, and the loan device repayment address.
Step S205, receiving a loan request, wherein the loan request comprises: the mortgage loan order number, the loan amount and the loan contract certificate of the terminal device; the terminal device loan contract voucher may be a scanned piece of a handwritten signature or an electronically signed electronic voucher.
Step S206, if the loan amount is greater than zero, determining a mortgage asset block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage assets required for the loan in the mortgage asset block chain address special for the transaction device according to the loan request.
Step S207, marking the mortgage loan order transaction status as mortgage.
Step S208, receiving a loan completion response, wherein the loan completion response comprises: and the mortgage loan order number and the two-party loan contract certificate.
Step S209, marking the mortgage loan order transaction state as the paid according to the loan device loan address transaction record.
Further, the mortgage asset request further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan.
Further, the mortgage asset request further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
Further, the method further comprises:
receiving a mortgage repayment request, the mortgage repayment request comprising: the mortgage order number and the payoff amount;
and correcting the loan amount to be repayment of the mortgage loan order according to the repayment amount and the loan interest.
Further, the method further comprises:
receiving a mortgage release request, the mortgage release request comprising: the mortgage loan order number;
marking the mortgage order transaction status as paid according to the transaction record from the terminal device collection blockchain address to the loan device repayment address and the loan interest.
Further, determining a mortgage property block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage property required for loan in the mortgage property block chain address special for the transaction device according to the loan request comprises:
Determining the mortgage block chain address of the terminal device as a mortgage asset block chain address special for the transaction device;
and freezing the balance of the mortgage required amount of the loan in the special mortgage asset blockchain address of the transaction device according to the loan request.
Further, determining a mortgage property block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage property required for loan in the mortgage property block chain address special for the transaction device according to the loan request comprises:
transferring the amount of the mortgage assets required for loan from the address balance of the mortgage blockchain of the terminal device to the address balance of the mortgage blockchain of the loan device;
determining the mortgage block chain address of the loan device as a mortgage asset block chain address special for the transaction device;
and freezing the balance of the mortgage required amount of the loan in the special mortgage asset blockchain address of the transaction device according to the loan request.
Further, the method further comprises:
if the mortgage release request is not received within the loan deadline time, acquiring the loan amount and the loan interest from a third party's resale and change property in the transaction device by using the address balance of the mortgage property blockchain special for the transaction device;
Transferring the loan amount and loan interest to the repayment address of the loan device;
transferring the balance of the loan required mortgage property quantity deducting the variable sale property quantity from the special mortgage property blockchain address of the transaction device to the mortgage blockchain address of the terminal device and unfreezing;
marking the mortgage order transaction status as paid.
By the method, the transaction facility can conveniently manage mortgage loan orders and mortgage assets. Because the transaction device also has the transaction time price of the mortgage asset, the mortgage circulation can be estimated on the mortgage asset in real time, thereby overcoming the defect that the mortgage circulation cannot be quickly priced by the block chain digital asset in the prior art.
Examples
The third embodiment of the invention discloses a block chain mortgage loan method for a loan device, which comprises the following steps:
step S301, a mortgage loan order number is obtained; the loan device can acquire a new loan order by a timing inquiry mode or a mode of subscribing the transaction device to inform, thereby obtaining the mortgage loan order number.
Step S302, obtaining mortgage order information according to the mortgage order number, where the mortgage order information includes: the terminal device mortgage blockchain address, the terminal device payee blockchain address, the number of mortgage assets required, and the mortgage borrower identification.
Step S303, determining the number of mortgage assets required for loan and the loan amount according to the mortgage borrower identification, the address balance of the mortgage blockchain of the terminal device and the number of the mortgage assets required. The loan device also needs to acquire the trade time price comprehensive evaluation loan amount of the property in the trade device according to the property category of the mortgage blockchain address of the terminal device. Wherein the trade time may include time of day, zhou Junjia, month average, year average, etc.
Step S304, a mortgage order response is sent, wherein the mortgage order response comprises the following steps: the mortgage loan order number, the loan device repayment address, the loan amount, the amount of mortgage assets required for loan, and the loan device repayment address.
Step S305, obtaining a mortgage order transaction state according to the mortgage order number, where the mortgage order transaction state includes: mortgage property block chain address special for transaction device, loan contract certificate for terminal device, and loan amount.
And step S306, generating two-party loan contract vouchers according to the mortgage loan order transaction state.
Step S307, if the mortgage loan order transaction status is mortgage, and the balance is not less than the mortgage required amount of the loan by the mortgage property blockchain address special for the transaction device, the loan amount is issued from the loan device deposit address to the terminal device collection blockchain address.
Step S308, sending a loan completion response, wherein the response comprises: the mortgage loan order number and the two-party loan contract certificate.
Further, the mortgage order response further includes: and the private key of the mortgage block chain address of the loan device is owned by the transaction device.
Further, the mortgage order information further includes: the mortgage borrower authorization loan device inquires the mortgage borrower credit order book and commodity order information of the use loan.
Further, the mortgage order information further includes: and the mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
Further, the determining the number of mortgage assets required for loan and the loan amount according to the mortgage borrower identifier, the address balance of the mortgage blockchain of the terminal device, and the number of mortgage assets required comprises:
determining a loan amount according to the required mortgage property quantity and property category estimation model;
inquiring credit investigation record conditions of the mortgage borrower identification, and determining the loan amount according to the credit investigation record conditions; and/or the number of the groups of groups,
And if the mortgage block chain address balance of the terminal device is smaller than the mortgage property quantity, determining the mortgage property quantity required for loan and the loan amount according to the mortgage block chain address balance of the terminal device.
Further, the method further comprises: the loan amount is recorded on a financial accounting blockchain. By the embodiment, the accounting is automatically completed on the finance accounting chain of the loan institution, so that the digital process is automated, and the fund operation efficiency of the loan institution is improved.
By the embodiment, the loan organization can conveniently loan through the blockchain without establishing a complex system, thereby reducing the loan threshold and being beneficial to providing better competitive services for users by more organizations.
Examples
The fourth embodiment of the invention discloses a system for mortgage loans of blockchain, which is used for a terminal device, wherein the terminal device comprises: a loan unit, a mortgage order unit; the loan unit is logically connected with the mortgage loan order unit;
the mortgage loan order unit is configured to send a mortgage property request to obtain a mortgage loan according to a property time price in the transaction device, obtain mortgage loan order information, and send a loan request, where the loan request includes: the mortgage loan order number, the loan amount and the terminal device loan contract certificate;
And the loan unit is used for determining the identity of the intention loan device, transferring mortgage blockchain assets of the number of the mortgage assets to the mortgage blockchain address of the terminal device, determining the loan amount according to the loan amount, and generating the loan contract certificate of the terminal device according to the loan amount and the mortgage order information.
Examples
The fifth embodiment of the invention discloses a system for mortgage loans of blockchain, which is used for a transaction device, wherein the terminal device comprises: a mortgage unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
the mortgage loan order unit is used for receiving a mortgage property request, creating a mortgage loan order, managing the transaction state of the mortgage loan order, receiving a mortgage loan order receiving response, receiving a loan request and receiving a loan completion response;
the mortgage unit is used for inquiring the balance of the mortgage blockchain address of the terminal device, determining the special mortgage asset blockchain address of the transaction device, and freezing the balance of the amount of mortgage assets required for loaning in the special mortgage asset blockchain address of the transaction device according to the loan request.
The transaction device in this embodiment may be a digital transaction facility such as a commodity transaction facility, a data transaction facility, a blockchain asset transaction facility, a banking asset hosting facility, etc.
Examples
The sixth embodiment of the invention discloses a system for mortgage loan of blockchain, which is used for a loan device, wherein the loan device comprises: a mortgage loan unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
the mortgage loan order unit is used for acquiring mortgage loan order information, sending a mortgage loan order receiving response, acquiring a mortgage loan order transaction state and sending a loan completion response;
the mortgage unit is used for determining the amount of the mortgage required to be loaned and the loan amount according to the identification of the mortgage borrower, the address balance of the mortgage blockchain of the terminal device and the amount of the mortgage required to be mortgage, generating two-party loan contract certificate according to the transaction state of the mortgage order, and distributing the loan amount from the loan device loan address to the terminal device collection blockchain address.
Examples
An embodiment seven of the present invention discloses a non-transitory computer readable storage medium, on which a computer program is stored, characterized in that the computer program, when being executed by a processor, implements the steps of the method of the above embodiment. The storage medium may include a high-speed random access storage medium, and may also include a non-volatile storage medium such as a hard disk, memory, a plug-in hard disk, a Smart Media Card (SMC), a secure digital (SecureDigital, SD) Card, a Flash memory Card (Flash Card), at least one magnetic disk storage medium device, a Flash memory device, or other volatile solid state storage medium device, etc.
The invention takes mortgage loan order of transaction device as medium of terminal device and loan device. The terminal device sends a mortgage property request through a mortgage loan order unit to obtain a mortgage loan according to the property time price in the transaction device, obtain mortgage loan order information and send a loan request; and determining an intention loan device identifier through a loan unit, transferring mortgage blockchain assets of the number of the required mortgage assets to a mortgage blockchain address of the terminal device, determining a loan amount according to a loan amount, and generating a loan contract certificate of the terminal device according to the loan amount and the mortgage order information. The user can conveniently acquire the loan through the blockchain mortgage; the transaction mechanism can conveniently manage mortgage loan orders and mortgage assets, can automatically sell the mortgage assets due to expiration, has high efficiency flow, and can effectively reduce and prevent risks; the loan organization can conveniently and fast loan through the blockchain without establishing a complex system, can manage the purpose of the loan before and after the loan according to the commodity order information, can meet the supervision requirement to the greatest extent, can verify and trace the whole-course record, and can automatically finish the accounting on the financial accounting chain of the loan organization. In the invention, the blockchain digital property can realize quick pricing mortgage circulation through the terminal device, the loan device and the transaction device.
It will be apparent to those skilled in the art that, for convenience and brevity of description, the above-described units are merely illustrated by the division of the above-described functional modules, and in practical application, the above-described functional allocation may be performed by different functional modules according to needs, i.e. the internal structure of the apparatus is divided into different functional modules to perform all or part of the above-described functions. The specific working process of the system, the device and the unit described above may refer to the corresponding process in the foregoing method embodiment, and will not be described herein.
In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods may be implemented in other ways. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the modules or units is merely a logical functional division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.
The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present invention may be embodied in essence or a part contributing to the prior art or all or part of the technical solution in the form of a software product stored in a storage medium, including several instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (processor) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The foregoing is merely illustrative of the present invention, and the present invention is not limited thereto, and any person skilled in the art will readily recognize that variations or substitutions are within the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A method of blockchain mortgage loan, for use with a terminal device, the method comprising:
determining an intention loan device identifier according to the number of the mortgage assets required;
transferring the mortgage blockchain assets of the number of the assets to be mortgage to a mortgage blockchain address of a terminal device, wherein the private key of the mortgage blockchain address of the terminal device is owned by a transaction device;
sending a mortgage property request to acquire a mortgage loan according to a time of day of a property in a transaction device, the mortgage property request comprising: the terminal device mortgage blockchain address, the terminal device collection blockchain address, the intention loan device identifier, the number of mortgage assets required and the mortgage borrower identifier;
obtaining a mortgage loan order number according to the mortgage property request;
obtaining mortgage order information according to a mortgage order number, wherein the mortgage order information comprises: loan device repayment address, loan amount, loan required mortgage property quantity, loan device repayment address;
Determining a loan amount according to the loan amount, and generating a terminal device loan contract certificate according to the loan amount and the mortgage loan order information;
transmitting a loan request, the loan request comprising: the mortgage order number, the loan amount, and the terminal device loan contract certificate.
2. A method of blockchain mortgage as in claim 1 wherein the mortgage property request further includes: the mortgage borrower authorizes the loan device to inquire the mortgage borrower credit investigation entrustment; and/or, using the order information for the loan; and/or a mortgage right electronic certificate registered by the registering device for the property to be mortgage, wherein the mortgage right electronic certificate is registered as the identity of the intention loan device.
3. A method of blockchain mortgage loan for use with a transaction device, the method comprising:
receiving a mortgage asset request, the mortgage asset request comprising: a terminal device mortgage blockchain address, a terminal device recipient blockchain address, an intention loan device identifier, a number of mortgage assets to be mortgage, and a mortgage borrower identifier;
creating a mortgage loan order according to the mortgage property request, and determining a mortgage loan order number;
Inquiring the address balance of the mortgage blockchain of the terminal device, and marking the trade state of the mortgage loan order as ordered if the address balance of the mortgage blockchain of the terminal device is larger than the number of the required mortgage assets;
receiving a mortgage order response, the mortgage order response comprising: the mortgage loan order number, the loan device repayment address, the loan amount, the number of mortgage assets required for loan, and the loan device repayment address;
receiving a loan request, the loan request comprising: the mortgage loan order number, the loan amount and the loan contract certificate of the terminal device;
if the loan amount is greater than zero, determining a mortgage asset block chain address special for the transaction device according to the mortgage block chain address of the terminal device, and freezing the balance of the amount of mortgage assets required for loan in the mortgage asset block chain address special for the transaction device according to the loan request;
marking the mortgage loan order transaction status as mortgage;
receiving a loan completion response, the loan completion response comprising: the mortgage loan order number and the two-party loan contract certificate;
and marking the mortgage loan order transaction state as paid according to the loan device loan address transaction record.
4. A method of blockchain mortgage as in claim 3 further comprising:
receiving a mortgage release request, the mortgage release request comprising: the mortgage loan order number;
marking the mortgage order transaction status as paid according to the transaction record from the terminal device collection blockchain address to the loan device repayment address and the loan interest.
5. A method of blockchain mortgage as in claim 3 further comprising:
if the mortgage release request is not received within the loan deadline time, acquiring the loan amount and the loan interest from a third party's resale and change property in the transaction device by using the address balance of the mortgage property blockchain special for the transaction device;
transferring the loan amount and loan interest to the repayment address of the loan device;
transferring the balance of the loan required mortgage property quantity deducting the variable sale property quantity from the special mortgage property blockchain address of the transaction device to the mortgage blockchain address of the terminal device and unfreezing;
marking the mortgage order transaction status as paid.
6. A method of blockchain mortgage loan, for a loan device, the method comprising:
Obtaining a mortgage loan order number;
and obtaining mortgage order information according to the mortgage order number, wherein the mortgage order information comprises: a terminal device mortgage blockchain address, a terminal device recipient blockchain address, a quantity of mortgage assets to be mortgage, and a mortgage borrower identification;
determining the number of mortgage assets required for loan and loan amount according to the mortgage borrower identification, the address balance of a mortgage blockchain of the terminal device and the number of the mortgage assets required;
transmitting a mortgage order response, the mortgage order response comprising: the mortgage loan order number, the loan device repayment address, the loan amount, the number of mortgage assets required for loan, and the loan device repayment address;
obtaining a mortgage loan order transaction state according to the mortgage loan order number, wherein the mortgage loan order transaction state comprises: mortgage asset block chain address special for transaction device, loan contract certificate of terminal device, loan amount;
generating a loan contract voucher of both parties according to the mortgage loan order transaction state;
if the mortgage order transaction state is mortgage and the balance of the mortgage property block chain address special for the transaction device is not less than the quantity of mortgage property required by the loan, issuing the loan amount from the loan device deposit address to the terminal device collection block chain address;
Transmitting a loan completion response, the response comprising: the mortgage loan order number and the two-party loan contract certificate.
7. A system for blockchain mortgage loan, characterized by a terminal device, the terminal device comprising: a loan unit, a mortgage order unit; the loan unit is logically connected with the mortgage loan order unit;
the mortgage loan order unit is configured to send a mortgage property request to obtain a mortgage loan according to a property time price in the transaction device, obtain mortgage loan order information, and send a loan request, where the loan request includes: the mortgage loan order number, the loan amount and the terminal device loan contract certificate;
and the loan unit is used for determining the identity of the intention loan device, transferring mortgage blockchain assets of the number of the mortgage assets to the mortgage blockchain address of the terminal device, determining the loan amount according to the loan amount, and generating the loan contract certificate of the terminal device according to the loan amount and the mortgage order information.
8. A system for blockchain mortgage loan, characterized by being used in a transaction device, the terminal device comprising: a mortgage unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
The mortgage loan order unit is used for receiving a mortgage property request, creating a mortgage loan order, managing the transaction state of the mortgage loan order, receiving a mortgage loan order receiving response, receiving a loan request and receiving a loan completion response;
the mortgage unit is used for inquiring the balance of the mortgage blockchain address of the terminal device, determining the special mortgage asset blockchain address of the transaction device, and freezing the balance of the amount of mortgage assets required for loaning in the special mortgage asset blockchain address of the transaction device according to the loan request.
9. A system for blockchain mortgage loan, characterized by a loan device, the loan device comprising: a mortgage loan unit and a mortgage loan order unit; the mortgage unit is logically connected with the mortgage order unit;
the mortgage loan order unit is used for acquiring mortgage loan order information, sending a mortgage loan order receiving response, acquiring a mortgage loan order transaction state and sending a loan completion response;
the mortgage unit is used for determining the amount of the mortgage required to be loaned and the loan amount according to the identification of the mortgage borrower, the address balance of the mortgage blockchain of the terminal device and the amount of the mortgage required to be mortgage, generating two-party loan contract certificate according to the transaction state of the mortgage order, and distributing the loan amount from the loan device loan address to the terminal device collection blockchain address.
10. A non-transitory computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of a method of blockchain mortgage of any of claims 1 to 6.
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| CN202310199694.5A CN116385138A (en) | 2023-03-04 | 2023-03-04 | Method, system and storage medium for blockchain mortgage loan |
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| CN202310199694.5A CN116385138A (en) | 2023-03-04 | 2023-03-04 | Method, system and storage medium for blockchain mortgage loan |
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