PE20200657A1 - Red de credito basada en contrato inteligente - Google Patents
Red de credito basada en contrato inteligenteInfo
- Publication number
- PE20200657A1 PE20200657A1 PE2020000008A PE2020000008A PE20200657A1 PE 20200657 A1 PE20200657 A1 PE 20200657A1 PE 2020000008 A PE2020000008 A PE 2020000008A PE 2020000008 A PE2020000008 A PE 2020000008A PE 20200657 A1 PE20200657 A1 PE 20200657A1
- Authority
- PE
- Peru
- Prior art keywords
- credit
- smart contract
- computer devices
- devices
- exchange
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Technology Law (AREA)
- Marketing (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Un sistema incluye los dispositivos informaticos de la red de credito acoplados a dispositivos informaticos del proveedor de cartera y dispositivos informaticos de intercambio de credito. Los dispositivos informaticos del proveedor de cartera reciben una solicitud de credito para un prestamo que tiene terminos de credito del prestatario; generan un contrato inteligente que incluye la informacion sobre el prestatario y los terminos de credito; y comunican el contrato inteligente a los dispositivos informaticos de la red de credito. Los dispositivos informaticos de la red de credito reciben una indicacion de que el cosignatario acepta firmar conjuntamente la solicitud de credito en nombre del prestatario; y comunican el contrato inteligente que representa las solicitudes de credito a los dispositivos informaticos de intercambio de credito. Los dispositivos informaticos de intercambio de credito colocan el contrato inteligente que representa la solicitud de credito en el libro de pedidos. Los dispositivos informaticos de intercambio de credito reciben una orden comercial para el contrato inteligente que representa la solicitud de credito desde el prestamista. Los dispositivos informaticos de intercambio de credito determinan si la orden comercial para el prestamista coincide con los terminos de credito del contrato inteligente que representa la solicitud de credito; y ejecutan el prestamo entre el prestatario, el cosignatario y el prestamista cuando la orden comercial para el prestamista coincide con los terminos de credito del contrato inteligente que representa la solicitud de credito.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US201762528844P | 2017-07-05 | 2017-07-05 | |
PCT/US2018/040953 WO2019010331A1 (en) | 2017-07-05 | 2018-07-05 | CREDIT NETWORK BASED ON INTELLIGENT CONTRACT |
Publications (1)
Publication Number | Publication Date |
---|---|
PE20200657A1 true PE20200657A1 (es) | 2020-06-11 |
Family
ID=64950375
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PE2020000008A PE20200657A1 (es) | 2017-07-05 | 2018-07-05 | Red de credito basada en contrato inteligente |
Country Status (10)
Country | Link |
---|---|
US (1) | US20200184553A1 (es) |
EP (1) | EP3649609A4 (es) |
JP (1) | JP7252951B2 (es) |
KR (1) | KR102667257B1 (es) |
CN (1) | CN110998641A (es) |
BR (1) | BR112020000043A2 (es) |
CL (1) | CL2020000012A1 (es) |
CO (1) | CO2020000009A2 (es) |
PE (1) | PE20200657A1 (es) |
WO (1) | WO2019010331A1 (es) |
Families Citing this family (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2019092725A1 (en) * | 2017-11-13 | 2019-05-16 | Newglobes Ltd. | Novel means and methods for implementation of secure transactions. |
CA3061594A1 (en) * | 2018-11-14 | 2020-05-14 | Royal Bank Of Canada | System and method for cross-border blockchain platform |
RU2019100558A (ru) * | 2019-01-14 | 2020-07-15 | Дмитрий Владимирович Вихорев | Способ и система для обеспечения кредитной сделки между владельцем криптокошелька и кредитным банком |
US20200265511A1 (en) * | 2019-02-19 | 2020-08-20 | Adp, Llc | Micro-Loan System |
DE102019005116A1 (de) * | 2019-07-23 | 2021-01-28 | Daimler Ag | Verfahren zum Handeln von Kryptowährungen |
CN110555593B (zh) * | 2019-07-31 | 2023-03-07 | 创新先进技术有限公司 | 信用合约体系下的发约处理方法以及装置 |
US11636094B2 (en) | 2019-10-16 | 2023-04-25 | International Business Machines Corporation | Chaincode recommendation based on existing chaincode |
US11605128B2 (en) | 2019-11-04 | 2023-03-14 | Tellus App, Inc. | Decentralized architecture for property-backed vehicles and creation, publication, and distributed investment |
US20210398091A1 (en) | 2020-06-22 | 2021-12-23 | TraDove, Inc. | Systems and methods for streamlining credit and/or debit card transactions utilizing blockchain supported credit tokens and/or debit tokens |
CN111667371B (zh) * | 2020-06-30 | 2021-08-06 | 腾讯科技(深圳)有限公司 | 基于区块链的资源聚合方法、系统、设备及存储介质 |
CN112308700A (zh) * | 2020-10-22 | 2021-02-02 | 北京通付盾人工智能技术有限公司 | 企业征信数据的处理方法、装置、计算机设备和存储介质 |
CN112561624B (zh) * | 2020-11-06 | 2024-01-05 | 国网安徽省电力有限公司信息通信分公司 | 一种基于区块链的多维度因子的动态信用评价方法及系统 |
CN112651735A (zh) * | 2020-12-10 | 2021-04-13 | 前海飞算科技(深圳)有限公司 | 支付渠道的选择方法、装置、计算机设备及存储介质 |
CN112651731A (zh) * | 2020-12-30 | 2021-04-13 | 南方电网数字电网研究院有限公司 | 资源转移方法、装置、计算机设备和存储介质 |
CN113221989B (zh) * | 2021-04-30 | 2022-09-02 | 浙江网商银行股份有限公司 | 基于分布式的评估模型训练方法、系统以及装置 |
CN113538122A (zh) * | 2021-07-22 | 2021-10-22 | 上海盛付通电子支付服务有限公司 | 一种用于借用资源的方法、设备、介质及程序产品 |
CN113744041B (zh) * | 2021-08-04 | 2024-05-10 | 南方电网科学研究院有限责任公司 | 一种智能合约信贷撮合方法、系统、计算机设备和介质 |
CN113554510A (zh) * | 2021-08-05 | 2021-10-26 | 百维金科(上海)信息科技有限公司 | 一种贷款用户违约实时监控系统 |
CN113628052A (zh) * | 2021-08-18 | 2021-11-09 | 杭州云象网络技术有限公司 | 基于预言机的区块链资产与合约处理方法、系统及装置 |
CN117350718A (zh) * | 2022-10-17 | 2024-01-05 | 刘文皓 | 一种数字人民币履约系统及方法 |
CN116645197B (zh) * | 2023-06-05 | 2023-11-03 | 苏银凯基消费金融有限公司 | 基于分布式自动化的消费金融产品服务构建方法 |
Family Cites Families (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US7315841B1 (en) | 1998-07-22 | 2008-01-01 | Sourcetec, Inc. | Mortgage loan and financial services data processing system |
JP2009193100A (ja) | 2008-02-12 | 2009-08-27 | Nec Corp | オークションシステム、オークション管理システム、オークション管理方法、プログラム、及び記録媒体 |
JP2010231664A (ja) | 2009-03-27 | 2010-10-14 | Promise Co Ltd | 個人間融資仲介システム及びコンピュータプログラム |
US8700522B2 (en) * | 2009-10-30 | 2014-04-15 | Accenture Global Services Limited | Loan portfolio management tool |
JP2011170551A (ja) | 2010-02-17 | 2011-09-01 | Auto Friend:Kk | 与信システム |
US20160335628A1 (en) * | 2014-05-15 | 2016-11-17 | Adam Mark Weigold | System and method for digital currency storage, payment and credit |
US20170011460A1 (en) | 2015-07-09 | 2017-01-12 | Ouisa, LLC | Systems and methods for trading, clearing and settling securities transactions using blockchain technology |
US20170024813A1 (en) * | 2015-07-22 | 2017-01-26 | MB Technology Partners Ltd. | System and Method for Provisioning Financial Transaction Between a Lender and a Borrower |
-
2018
- 2018-07-05 WO PCT/US2018/040953 patent/WO2019010331A1/en unknown
- 2018-07-05 CN CN201880047306.9A patent/CN110998641A/zh active Pending
- 2018-07-05 BR BR112020000043-4A patent/BR112020000043A2/pt unknown
- 2018-07-05 EP EP18827673.7A patent/EP3649609A4/en active Pending
- 2018-07-05 PE PE2020000008A patent/PE20200657A1/es unknown
- 2018-07-05 US US16/628,522 patent/US20200184553A1/en active Pending
- 2018-07-05 JP JP2020521500A patent/JP7252951B2/ja active Active
- 2018-07-05 KR KR1020207002352A patent/KR102667257B1/ko active IP Right Grant
-
2020
- 2020-01-02 CO CONC2020/0000009A patent/CO2020000009A2/es unknown
- 2020-01-02 CL CL2020000012A patent/CL2020000012A1/es unknown
Also Published As
Publication number | Publication date |
---|---|
WO2019010331A1 (en) | 2019-01-10 |
CN110998641A (zh) | 2020-04-10 |
JP7252951B2 (ja) | 2023-04-05 |
KR20200016389A (ko) | 2020-02-14 |
US20200184553A1 (en) | 2020-06-11 |
EP3649609A1 (en) | 2020-05-13 |
JP2020528631A (ja) | 2020-09-24 |
CO2020000009A2 (es) | 2020-04-24 |
EP3649609A4 (en) | 2020-11-04 |
BR112020000043A2 (pt) | 2020-09-29 |
CL2020000012A1 (es) | 2020-08-14 |
KR102667257B1 (ko) | 2024-05-21 |
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