TWM566363U - Intermediary system for lending consumption based on blockchain - Google Patents

Abstract

An intermediary system for lending consumption based on blockchain is disclosed. By creating a blockchain network and generating a wallet address of an intermediary end, a lending end, a borrowing end and a business end, and depositing a default number of cryptocurrencies within the blockchain network directly into the wallet address of the intermediary end. When borrowing and paying, after confirmed a cash flow of a lend cash and an order amount through the intermediary end, executing blockchain transactions for sending the cryptocurrencies according to the cash flow to form a transaction data flow, so as to provide tracing and double checking. The mechanism helps to improve the safety and reliability of the lending consumption.

Description

Blockchain-based lending consumer intermediary system

This creation involves an intermediary system, in particular a blockchain-based lending consumer intermediary system.

With the enthusiasm of financial technology (Fintech) sweeping the world, new financial services or commodities derived from various communication services are constantly innovating. The main purpose is to flip the old idea through the idea of combining communication technology with innovation. Industry services to improve efficiency. At present, applications based on financial technology continue to extend to all levels of life, whether in lending, payment or investment.

In general, the traditional lending market has to be strictly examined due to restrictions and borrowing eligibility, interest or turnover period. Therefore, in recent years, a new type of lending method has emerged, namely: P2P online lending (Peer-to -peer lending, P2P lending), which is networked through the Internet platform and provides fast loan for individuals and small businesses.

To date, the types of borrowing have not been limited to pure money or goods, such as pre-lending that has been extended to personal credit and assets, and the lending model has also changed from a former financial institution to a business or individual to an individual to individual. P2P online lending is a type of lender that uses the platform to match financial needs (or Known as the lender and the lender (or the investor), providing instant, transparent and open services to make effective use of funds. In terms of risk-taking, the lender can share the loan amount through multiple people in order to share and diversify the risk; the lender can screen the source of the loan at its affordable rate and reduce the risk of not being able to afford the high interest rate. In addition, because platform construction and operating costs are lower than traditional financial institutions, both lenders and lenders can obtain better borrowing and investment rates. In addition to the combination of the lender and the lender, the platform can conduct further credit rating and grading for the customers through the establishment of big data.

However, since P2P network lending is an individual's direct lending behavior to individuals, only the borrowers and lenders will be involved in the gold flow, and the network platform providing the mediation only provides the matchmaking service, so the security, reliability and non-transaction of the transaction are not available. Denial is not enough to reassure people, so there are problems such as the safety and reliability of borrowing and consumption.

The prior art is applied to P2P network lending consumption, lack of third-party verification, and the problem that the financial flow and financial information flow cannot be mutually controlled, resulting in poor security and reliability of borrowing and consumption. It is necessary to propose improved technical means. Solve this problem. This patent is mainly a blockchain-based lending consumer intermediary system, which integrates P2P network lending and third-party payment to form a four-party structure of lending, lending, consuming and intermediating, using blockchain virtual currency technology and inter-transaction virtual currency. Transfer and complete the financial information flow control of commodity trading, payment, lending and decentralized billing on the Internet; the control of the gold flow is completed by the financial institution, and the financial flow and financial information flow are separately controlled to achieve the loan and consumer transactions. Verification to ensure the security, verifiability, traceability, and decentralized nature of transactional transactions in consumer lending transactions.

This work exposes a blockchain-based lending consumer intermediary system.

First of all, this creation exposes a blockchain-based lending consumer intermediary system. The system includes: a client terminal, a lending host, an intermediary host, and a merchant host. The client is used to deliver the loan request; the client is used to transmit the loan request; the intermediary host is used to match the request of the client and the lending host; and the merchant host is used to provide the goods for sale or Service sales information.

The part of the intermediary host includes: an initial module, a registration module, a loan module, and an authorized payment module.

The initial module is used to establish a blockchain network, and generates an intermediary host wallet address, and directly stores the preset virtual currency in the blockchain network into the intermediary host wallet address.

The registration module is configured to allow the lending host, the loan host, and the merchant host to register at the intermediary host, and when the registration is successful, respectively generate the lending host wallet address corresponding to the lending host, and the subscription host corresponding to the loan host. The end wallet address and the merchant host wallet address of the corresponding merchant host.

The lending module is configured to receive the loan and lending request for mediation, and generate a loan transaction confirmation message after successful matching. When the lending module detects the gold flow corresponding to the loan transaction, the cash flow of the confirmation message is remitted to When the designated bank account of the intermediary host is used, the intermediary host performs the virtual currency transaction of the blockchain to control the financial information flow. First, the intermediary host end transfers the virtual currency equivalent to the loaned cash to the lending host wallet address from the intermediary host wallet address, and then transfers the virtual currency to the subscription host wallet address by the intermediary host side.

The authorized payment module is configured to generate an order containing the order amount according to the sales information of the merchant host end, and after the order is completed, authorize the payment module to execute the blockchain transaction, and the self-service host wallet address will be equivalent. The virtual currency of the order amount is forwarded to the merchant host wallet address; at the merchant After the host side completes the delivery of the goods or services, the authorized payment module authorizes the designated bank account of the intermediary host to transfer the cash equivalent to the order amount to the designated bank account of the merchant host; after the above actions are completed, the intermediary host performs the blockchain transaction again. Transfer the virtual currency of the equivalent order amount in the merchant's host wallet address to the mediation host wallet address.

The system disclosed in this creation is as above, and the difference from the prior art is that the creation is a four-party structure that integrates P2P network lending and third-party payment to form a loan, loan, consumption and intermediary, and utilizes virtual currency technology of the blockchain and virtual between transactions. The transfer of currency, while completing the financial information flow control of commodity trading, payment, borrowing and decentralized accounting on the Internet; the control of the gold flow is completed by financial institutions. The system initially establishes a blockchain network through the intermediary host, stores a preset amount of virtual currency in the blockchain network into the wallet address of the intermediary host, and generates a loan host, a lending host, and an intermediary host. The wallet address of the merchant's host side is used to perform the blockchain virtual currency transaction by the intermediary host after the intermediary host confirms the deposit of the cash flow and the payment of the order amount during the borrowing, lending and payment, according to the virtual currency. The intermediary host, the lending host, the loan host, and the merchant's wallet address are forwarded to form a transaction information stream, providing tracking and double verification transactions.

Through the above technical means, this creation can achieve the technical effect of improving the safety and reliability of borrowing and consumption.

110‧‧‧Loan host

120‧‧‧Send the loan host

130‧‧‧Business host

140‧‧‧Intermediary host

141‧‧‧ initial module

142‧‧‧ Registration Module

143‧‧‧Loan loan module

144‧‧‧Authorized payment module

145‧‧‧Repayment module

300‧‧‧ loan interface

310‧‧‧Fund use block

320‧‧‧ loan amount block

330‧‧‧Stop during the loan period

340‧‧‧Applicable rates

350‧‧‧Application button

400‧‧‧ lending interface

410‧‧‧Drawdown menu

420‧‧‧Display block

421‧‧‧Request for loan

430‧‧‧Loan button

450‧‧‧Sender information interface

451‧‧‧Back to previous page button

460‧‧‧Lending confirmation interface

461‧‧‧Display block

462‧‧‧ Confirm the loan button

470‧‧‧Loan completion interface

471‧‧‧Back to main menu button

480‧‧‧ lending record interface

481‧‧‧ Borrower Information Button

482‧‧‧Repayment record button

500‧‧‧Consumer payment interface

510‧‧‧Payment block

520‧‧‧payment amount block

530‧‧‧Clock block

540‧‧‧ payment button

550‧‧‧Payment completion interface

560‧‧‧Back to main menu button

600‧‧‧ repayment interface

610‧‧‧Repayment block

620‧‧‧Repayment amount block

630‧‧‧Clock block

640‧‧‧Repayment button

650‧‧‧Repayment completed interface

660‧‧‧Back to main menu button

700‧‧‧Notification interface

710‧‧‧ Confirmation button

720‧‧‧ objection button

730‧‧‧Modify button

210‧‧‧Steps

220‧‧‧Steps

230‧‧‧Steps

240‧‧‧ steps

250‧‧‧ steps

260‧‧‧Steps

270‧‧ steps

280‧‧ steps

The first picture is a system block diagram of the blockchain-based lending consumption intermediary system.

2A and 2B are flowcharts of a method for creating a lending and lending intermediary method based on blockchain.

Figure 3 is a schematic diagram of the application of this creation for loan application.

Figures 4A through 4E are schematic diagrams of the application of this creation for lending selection.

Figures 5A and 5B are schematic diagrams of the use of the present creation for consumer payment.

Figures 6A and 6B are schematic diagrams of the application of this creation for repayment.

Figure 7 is a schematic diagram of the application of this creation for consumer payment.

The embodiments of the present invention will be described in detail below with reference to the drawings and the embodiments, so that the implementation process of how to apply the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.

Before explaining the blockchain-based lending consumption intermediary system disclosed in this creation, the environment to which the creation is applied is explained. The creation is applied to an environment having a lending host, a loan host, a merchant host, and an intermediary host. The lending host, the loan host, the merchant host, and the intermediate host are computer devices, such as: Personal computer, server, etc. The intermediary host is one of the nodes of the blockchain network, and has a blockchain and is capable of performing blockchain transactions. In practical implementation, the blockchain transaction is performed through the blockchain application interface (Blockchain API), which can transfer the virtual currency in the blockchain network and obtain the corresponding blockchain transaction number for querying corresponding Blockchain transaction records and status. For example, the source address, destination address, and amount are passed to the blockchain application interface. The blockchain application interface forwards the equivalent amount of virtual currency from the source address to the destination address and returns the transaction status and block. Chain transaction number. Alternatively, the blockchain transaction number can be passed to the blockchain application interface, and the blockchain application interface will return the transaction status.

The following is a description of the blockchain-based lending consumer intermediary system in conjunction with the schema. Please refer to "Figure 1" first. "Picture 1" is a blockchain-based lending consumer intermediary system The system block diagram includes: a lending host end 110, a lending host end 120, a merchant host end 130, and an intermediary host end 140. The lending host 110 is configured to transmit a lending request. In actual implementation, the lending request may include an authorization voucher, a lending amount, and a lending condition. Taking loan terms as an example, it may include a lending period, a lending rate, and an acceptable risk level. In addition, each lending host 110 may be a computer device that provides a lender operation, such as a tablet computer, a smart phone, or a personal digital assistant, and the lending request may be transmitted to the intermediary through a wired network, a wireless network, or a combination of the two. Host side 140.

The subscription host 120 is configured to transmit a loan request. In actual implementation, the loan request may include an authorization certificate, a loan amount, and a loan application condition, wherein the authorization certificate may include a financial certificate, a natural person certificate, an authorization form, and an appointment letter; the loan condition may include a loan application. Use, loan amount, loan period and applicable interest rate. In addition, each of the subscription terminals 120 may also be a computer device that provides a credit operation by a tablet computer, a smart phone, or a personal digital assistant, and requests the loan by a wired network, a wireless network, or a combination of the two. Transfer to the mediation host 140.

The merchant host 130 is configured to provide a sales message of the goods or services sold, and the sales information can be through Hypertext Markup Language (HTML), Extensible Markup Language (XML), A data format such as JSON (JavaScript Object Notation) is transmitted and provided to the borrowing host 120 for browsing, selection, and purchase. Similarly, each merchant host 130 may also be a computer device that provides a vendor operation, such as a tablet computer, a smart phone, or a personal digital assistant, and transmits the sales as a wired network, a wireless network, or a combination of the two. message.

The mediation host 140 includes an initial module 141, a registration module 142, a lending module 143, and an authorization payment module 144. The initial module 141 is configured to establish a blockchain network, and generate an intermediary host wallet address, and directly store the preset virtual currency in the blockchain network into the intermediary host wallet address. In practical implementation, the mediation host 140 initially creates a creation block (Genesis). Block), that is, the first block of the blockchain, so that the subsequently generated blocks are linked to form a blockchain. In addition, the preset virtual currency may be an upper limit value or an arbitrary value. For example, the virtual currency that initially generates the upper limit value is stored in the intermediate host wallet address, or all newly generated virtual currencies are stored. Mediation host wallet address for unified management.

The registration module 142 is configured to allow the lending host 110, the subscribing client 120, and the merchant host 130 to register at the mediation host 140, and when the registration is successful, generate the lending host wallet address corresponding to the lending host 110, Corresponding to the credit card host wallet address of the subscription host 120 and the merchant host wallet address of the merchant host 130. In other words, when the registration is successful, the intermediary host 140 generates a corresponding blockchain wallet, and each blockchain wallet has a wallet address for receiving and transmitting virtual currency. However, in the present creation, although the intermediary host 140 generates a corresponding loan host wallet address, a loan host wallet address, and a merchant host wallet address for the lending host terminal 110, the loan host 120, and the merchant host 130, respectively. However, these addresses only allow the intermediary host 140 to transfer the virtual currency by performing the blockchain transaction, and do not allow the lending host 110, the subscription host 120, and the merchant host 130 to perform the blockchain transaction to transfer the virtual currency. Because the lending host 110, the subscribing client 120, and the merchant host 130 are not members of the blockchain network, the wallet private key is also stored in the mediation host 140, so the lending host 110 and the loan host 120 are And the merchant host 130 itself cannot perform the blockchain transaction, but performs the blockchain transaction through the intermediary host 140.

The lending module 143 is configured to receive the loan request and the lending request for mediation, and generate a loan transaction confirmation message after the successful match, when the lending module 143 detects the lending cash corresponding to the loan transaction confirmation message and transfers to the intermediary. When the designated bank account of the host side 140 is executed, the intermediary host performs a virtual currency transaction of the blockchain to control the financial information flow. First, the mediation wallet address from the intermediary host will transfer the virtual currency equivalent to the cash loan to the lending host wallet address, and then the lending module 143 will lend the host. The virtual currency equivalent to the loan cash in the end wallet address is forwarded to the credit card host wallet address. In actual implementation, detecting whether the loan cash corresponding to the loan transaction confirmation message is imported into the designated bank account of the intermediary host 140 can be accessed through the application interface (API) provided by the bank (referred to as the bank application interface). ). For example, the lending module 143 can query the designated bank account of the mediation host 140 through the bank application interface to confirm whether the cash has been successfully imported according to the balance change or transaction message in the designated bank account of the intermediary host 140.

The authorized payment module 144 is configured to generate an order containing the order amount according to the sales information of the merchant host 130, and execute the blockchain virtual currency transaction by the authorized payment module 144 after the order is completed. First, the authorization payment module 144 transfers the virtual currency of the equivalent order amount in the credit card host wallet address to the merchant host wallet address; when the merchant host 130 completes the delivery of the goods or services, the authorization payment module 144 authorizes the intermediary host. The designated bank account of the terminal 140 transfers the cash equivalent to the order amount to the designated bank account of the merchant host 130. After the above action is completed, the authorized payment module 144 performs the blockchain transaction again, and the equivalent order amount in the wallet address of the merchant host 130 is completed. The virtual currency is forwarded to the intermediary host side wallet address. For example, if the order amount after the subscription host 120 completes the order is "10,000", the intermediary host 140 will transfer the equivalent virtual currency "10,000" from the wallet address of the subscription host 120 when performing the blockchain virtual currency transaction. To the merchant host wallet address, at this time, the transaction record of the corresponding amount is retained in the blockchain of the intermediary host 140. Then, after the merchant host 130 completes the delivery of the goods or services, the intermediary host 140 re-authorizes the designated bank account of the intermediary host 140 to transfer the "10,000" cash to the designated bank account of the merchant host 130, which is completed by the bank. Actual cash payment behavior. Next, after the intermediary host 140 confirms the successful cash transfer through the application interface provided by the bank, the intermediary host 140 performs the blockchain transaction again to transfer the "10,000" virtual currency from the merchant host wallet address to the intermediary host. End wallet address, that is Say, when the merchant host 130 receives the "10,000" cash, the intermediary host 140 will recover "10,000" virtual currency from the merchant host wallet address. It should be added that the authorized payment module 144 can also transfer the authorization certificate through the bank application interface set on the bank side to confirm whether the cash of the equivalent order amount is successfully transferred from the designated bank account of the intermediary host 140 to the merchant host 130. Specify a bank account. In other words, the bank application interface verifies whether it is a legal identity according to the authorization credential and the designated bank account of the intermediary host 140, and after the verification is passed, returns the designated bank account transaction message of the intermediary host 140 for the intermediary. The host side 140 confirms whether there is a cash flow remittance according to the transaction message, and whether the transfer is successful or the like.

In addition, in actual implementation, the mediation host 140 of the present invention may further include a repayment module 145 for transmitting a repayment request including a repayment amount to the mediation host 140 according to the loan transaction confirmation message at the subscription host 120. When the repayment module 145 confirms whether the creditor remits the repayment amount to the designated bank account of the intermediary host 140 through the bank application interface, and after confirming the remittance, the repayment module 145 performs the blockchain virtual currency transaction. The virtual wallet corresponding to the repayment amount is transferred from the intermediary host wallet address to the credit card host wallet address, and then the mediation host side 140 transfers the virtual currency equivalent to the repayment amount to the lending host from the subscription host wallet address. Wallet address. After the lending host 110 obtains the repayment of the subscription host 120, the lending host 110 may transfer the corresponding cash amount of the specified amount of virtual currency to the designated bank account of the lending host 110 through the intermediary host 140. The terminal 140 simultaneously transfers the equivalent virtual currency to the intermediate host wallet address from the lending host wallet address. For example, suppose the user enters a repayment amount of “10,005” (eg, the loan amount plus interest), and the refining host 120 transmits a repayment request including the repayment amount “10,005” when repaying the loan. To the intermediary host 140, in actual implementation, the amount of repayment input by the user may be equal to or less than the sum of the loan amount and the interest, that is, the repayment module 145 allows the user to partially repay (eg, installment payment) ). In addition, at the time of repayment, The subscription host 120 also transfers the above repayment amount from the designated bank account of the subscription host 120 to the designated bank account of the intermediary host 140. Then, when the repayment module 145 detects that the designated bank account of the intermediary host 140 has been remitted into the cash "10,005", the blockchain transaction is executed, and the virtual currency of the corresponding amount is obtained from the intermediary host wallet address (for example: 10,005 virtual currencies) are forwarded to the client's wallet address. Next, the mediation host 140 transfers the virtual currency (eg, 10,005 virtual currency) equivalent to the repayment amount from the wallet address of the subscription host 120 to the lending host wallet address. After the lending host 110 obtains the repayment of the subscription host 120, the lending host 110 may transfer the cash amount "10,005" corresponding to the specified amount of virtual currency to the designated bank account of the lending host 110 through the intermediary host 140. The mediation host 140 simultaneously transfers the equivalent virtual currency (for example, 10,005 virtual currencies) to the mediation host wallet address from the lending host wallet address. In this way, transaction verification can be performed separately from the cash flow of the bank account and the transaction information flow formed by the transfer of the virtual currency, thereby achieving double verification to improve the security and reliability of the transaction, for example, according to the blockchain transaction number. Query the specified blockchain transaction; query all the transaction history of the lender according to the wallet address of the loan host; query all the transaction history of the lender according to the wallet address of the lending host.

In particular, in actual implementation, each module described in the present invention can be implemented in various manners, including software, hardware, or any combination thereof. For example, in some embodiments, each module can be The software can be implemented by using one or more of software and hardware. In addition, the creation can be partially or completely based on hardware. For example, one or more modules in the system can pass through the integrated circuit chip. System on Chip (SoC), Complex Programmable Logic Device (CPLD), Field Programmable Gate Array (FPGA), etc. This creation can be a system, method and/or computer program. The computer program can include a computer readable storage medium having computer readable program means for causing the processor to implement various aspects of the authoring Thus, the computer readable storage medium can be a tangible device that can hold and store instructions for use by the instruction execution device. The computer readable storage medium can be, but is not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples (non-exhaustive lists) of computer readable storage media include: hard disks, random access memory, read only memory, flash memory, optical disks, floppy disks, and any suitable combination of the foregoing. A computer readable storage medium as used herein is not to be interpreted as a transient signal itself, such as a radio wave or other freely propagating electromagnetic wave, an electromagnetic wave propagating through a waveguide or other transmission medium (eg, an optical signal through a fiber optic cable), or through a wire The electrical signal transmitted. In addition, the computer readable program instructions described herein can be downloaded from a computer readable storage medium to various computing/processing devices or downloaded over a network such as the Internet, a local area network, a wide area network, and/or a wireless network. Go to an external computer device or an external storage device. The network may include copper transmission cables, fiber optic transmissions, wireless transmissions, routers, firewalls, switches, hubs, and/or gateways. A network card or network interface in each computing/processing device receives computer readable program instructions from the network and forwards the computer readable program instructions for storage on a computer readable storage medium in each computing/processing device in. The computer program instructions for performing the authoring operation may be combined language instructions, instruction set architecture instructions, machine instructions, machine related instructions, microinstructions, firmware instructions, or source code or destination code written in any combination of one or more programming languages. (Object Code), the programming language includes object-oriented programming languages such as: Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, and PHP, and conventional programs. Procedural programming language, such as C language or similar programming language. The computer readable program instructions can be executed entirely on the computer, partly on the computer, as a standalone software, partly on the client computer, partly on the remote computer, or entirely on the remote computer or server. Execute on.

Please refer to "Phase 2A" and "Phase 2B", "Phase 2A" and "2B" as a flow chart of the method for creating a blockchain-based lending consumption intermediary method. 110. In the environment of the subscription host 120, the merchant host 130, and the intermediary host 140, the steps include: the intermediary host 140 initially establishes a blockchain network, and generates an intermediary host wallet address, and directly The preset virtual currency in the blockchain network is stored in the intermediate host wallet address (step 210); when the lending host 110, the loan host 120, and the merchant host 130 are successfully registered at the mediation host 140, the intermediary The host end 140 respectively generates a lending host wallet address corresponding to the lending host end 110, a subscribing host side wallet address corresponding to the lending host end 120, and a merchant host wallet address corresponding to the merchant host end 130 (step 220); when the lending host When the terminal 110 transmits the loan request to the intermediary host 140, and the subscription host 120 transmits the subscription request to the intermediary host 140, the intermediary host 140 enters according to the received loan request and the loan request. Matching, and generating a loan transaction confirmation message after successful matching (step 230); when the intermediary host 140 detects that the lending cash corresponding to the loan transaction confirmation message is sent to the designated bank account of the intermediary host 140, the intermediary host The terminal 140 performs a blockchain transaction, first transferring the virtual currency equivalent to the loaned cash to the lending host wallet address from the intermediary host wallet address, and then forwarding the loan to the client terminal wallet address by the lending host wallet address (step 240); When the subscription host 120 generates an order containing the order amount according to the sales message of the merchant host 130, and after the order is completed, the intermediary host 140 performs the blockchain virtual currency transaction, and the self-service host wallet address will be equivalent to the order. The amount of virtual currency is forwarded to the merchant host wallet address, and upon completion of the order, the designated bank account authorized from the intermediary host 140 transfers the cash equivalent to the order amount to the designated bank account of the merchant host 130 (step 250); After the cash of the order amount is successfully transferred to the designated bank account of the merchant host 130, the intermediary host 140 performs Block trading chain, from the merchant wallet host address will be equivalent to the amount of virtual money orders to mediation purse host address (step 260). Through the above steps, the block can be established through the mediation host 140. The network is chained, and the wallet addresses of the mediation host 140, the lending host 110, the loan host 120, and the merchant host 130 are generated, and the preset virtual currency in the blockchain network is directly stored in the mediation host 140. The wallet address is used by the intermediary host 140 to confirm the deposit of the cash flow and the payment of the order amount during the lending and payment, and then execute the blockchain transaction to be based on the cash flow at the intermediate host 140 and the lending host 110. The virtual currency is formed between the wallet address of the subscription host 120 and the merchant host 130 to form a transaction information stream, so as to track transactions and double verification transactions according to the gold stream and the transaction information flow.

In addition, after the step 260, when the subscription host 120 transmits a repayment request including the repayment amount to the intermediation host 140 according to the loan transaction confirmation message, the intermediary host 140 detects the bank account of the intermediary host 140, and confirms When the repayment amount is transferred to the bank account of the intermediary host 140, the intermediary host 140 performs a blockchain transaction, and the virtual wall corresponding to the repayment amount is transferred from the intermediary host wallet address to the subscription host wallet address (step 270). And the intermediary host 140 transfers the bank account from the intermediary host 140 to the bank account of the repayment amount to the bank account of the lending host 110, and performs the blockchain transaction, and the first self-purchasing host wallet address will be equal to the repayment amount. The virtual currency is forwarded to the lending host wallet address, and then the self-loaning host wallet address is forwarded to the mediation host wallet address (step 280). In this way, the repayment process of the loan can be completed, and at the same time, the transaction record is left in the trading flow of the gold stream and the blockchain.

The following is a description of the following examples in conjunction with "3" to "7". Please refer to "3" and "3" for a schematic diagram of applying for the creation of this creation. Assuming that the applicant wants to apply for a loan for the purchase of the first payment, the applicant can open the application interface 300 in the graphical user interface of the application host 120. The application interface 300 can display the applicable interest rate of the creditor 340 and allow the application. The lender enters the use in the fund use block 310, such as: "purchase the first payment", enter the amount in the loan amount block 320, such as: "100,000" and enter the number of days in the block 330 during the loan period, such as: "60 days "." When the loan is lost After the completion is completed and the confirmation is correct, the application button 350 is clicked to generate a corresponding loan request and transmitted to the intermediary host 140. In other words, when applying for a loan, the applicant first selects the relevant information required for the loan in the graphical user interface of the subscription host 120, such as: the use of the loan, the amount of the loan, the number of days of the loan, etc. The data will be transmitted to the mediation host 140 as part of the loan request, so that after the mediation host 140 confirms the loan request, the announcement loan request provides the lender to browse through the lending host 110.

For example, "4A" to "4E", "4A" to "4E" are schematic diagrams for the application of this creation for lending. As mentioned above, the intermediary host 140 will announce a loan application request for the lender to browse through the lending host 110. In actual implementation, if the lender wants to lend, the lender can be as shown in Figure 4A. Through the lending interface 400 of the lending host 110 in the graphical user interface, in the display block 420, the subscription request announced by the intermediary host 140 is browsed, and each loan request includes a borrower, a loan application, and a loan application. Amount and loan period. In particular, these loan requests can be screened according to the creditworthiness of the applicant, for example, according to the credit level of the applicant, the loan application request is displayed in order, or according to the credit degree of the applicant. The risk level and interest rate, and the corresponding loan request is screened according to the risk level and interest rate for display. For example, the lender can select an acceptable risk level and interest rate through the drop down menu 410, and the display block 420 displays a list of all the loan requests that meet the aforementioned selection, and the lender clicks on the loan request 421 to be borrowed. Then, the lending button 430 is clicked to generate a corresponding lending request and transmitted to the mediation host 140 for mediation.

Assuming that you want to view the detailed information on the loan applicant, the lender can click on the loan applicant in the loan application request 421 (for example, the borrower A). At this time, the loan information interface 450 as shown in "Figure 4B" can be used. The relevant information such as the name, annual income, current loan status, monthly debt-to-income ratio and other credit records of the credit lender is displayed. After confirming the information of the lender, the lender can click back to the previous page button 451 to return to the lending interface 400. . In addition, when the lender taps the lending button 430, the lending host 110 can also be referred to as "4C". The illustrated loan generation confirmation interface 460 is configured to display the amount of the loan applicant to borrow, the applicable interest rate, the loan period, and the like, and even display various profit and the calculation according to the risk level in the display block 461. After the lender confirms the lending, the lending confirmation button 462 can be clicked to generate a lending request and transmitted to the mediation host 140 for mediation. After the matchmaking succeeds and the lender transfers the loan cash to the bank account of the intermediary host 140, the intermediary host 140 performs the blockchain transaction, first transferring the virtual currency equivalent to the loan cash to the lending from the intermediary host wallet address. The host-side wallet address is forwarded to the loan-receiving host-side wallet address by the lending host-side wallet address. When the blockchain transaction is executed, the corresponding blockchain transaction number is obtained. Then, as shown in "4D", the loan completion completion interface 470 displays the loan amount of the pen loan, the blockchain transaction number, and the transaction completion time, and provides the lender to browse and confirm. After that, the lender can click back. The main menu button 471 returns to the main page (not shown). At this point, the blockchain transaction number can be used to query the details of the loan record. For example, the loan record interface 480 can be generated as shown in "FIG. 4E", and the borrower clicks the borrower information button. 481 displays the details of the lender (also referred to as the borrower), and the repayment record button 482 queries the block chain transaction number for details of the lending record.

In particular, in addition to the manner in which the lender specifies the choice of the loan request, the intermediary host 140 can also mediate the loan request and the loan request within a predetermined period of time (for example, every three minutes). For example, if the loan amount is the same as the loan amount, the two are set as the success match, and the loan transaction confirmation message is generated after the match is successful. The loan transaction confirmation message can be transmitted to the loan host 120 and the lending host 110 for confirmation by the lender and the lender. After the parties agree, the transaction is formally established. For example, if the intermediary host 140 has a loan request with a loan amount of “100,000”, since the loan amount is the same as the loan amount, the intermediary host 140 will be the same. The amount of the loan request and the loan request are set to be successful, or The intermediary host 140 has two loan requests with a loan amount of “50,000”. Since the total amount of the two loan requests is the same as the loan amount, the intermediary host 140 can also apply for the loan request with the two loan requests. Set to successful match. In other words, when the lending module 143 performs the matching, the loan amount can be compared according to the loan amount of the loan request and the loan amount of the loan request. When the loan amount is equal to the loan amount, the success is set. The loan amount is allowed to come from a different lending host 110.

For example, "5A" and "5B", "5A" and "5B" are schematic diagrams for applying the creation for consumer payment. When the applicant purchases the goods or services at the merchant host 130, the order containing the order amount is generated according to the sales information of the merchant host 130, and the intermediary host 140 after the order is generated (also referred to as the order is established). The blockchain transaction will be executed, and the virtual currency of the order amount will be forwarded to the merchant host wallet address from the credit card host wallet address. Then, after the purchaser receives the purchased goods or services, the consumer payment interface 500 as shown in "FIG. 5A" can be opened to pay the order amount. For example, the applicant can input the merchant host 130 in the payment object block 510. The phone number or bank account number, the order amount entered in the payment amount block 520, the credit number of the credit card is entered in the password block 530, and the payment button 540 is clicked to make a cash payment. The intermediary host 140 is deemed to complete the order after the subscriber clicks the payment button 540, so the bank account transfer from the intermediary host 140 is equivalent to the cash of the order amount to the bank account of the merchant host of the corresponding order, and is equivalent After the cash of the order amount is successfully transferred to the bank account of the merchant host 130, the blockchain transaction is executed, and the virtual currency of the order amount is transferred from the merchant host wallet address to the intermediary host wallet address. In other words, when the claiming party places an order through the subscription host 120 and the order is established, the intermediary host 140 performs a blockchain transaction, and transfers the virtual currency of the same order amount from the credit card wallet address to the merchant host wallet address. And after receiving the goods or services from the lending party, the mediation terminal 140 is notified to the mediation host 140 via the consumer payment interface 500 of the subscription host 120, and the cash of the equivalent order amount is transferred from the designated bank account of the intermediary host 140 to the merchant host. 130 designated bank account, and then after successful transfer, perform a blockchain transaction, transfer the virtual currency of the same order amount from the merchant host wallet address to the intermediary host wallet address to recycle the virtual currency to the intermediary host The purpose of 140. After the payment is completed, as shown in "5B", the transaction completion message 550 displays a transaction message, such as: payment object, payment amount, blockchain transaction number (ie, the blockchain executed after the order is established). The blockchain transaction number generated by the exchange, the transaction completion time, and the like, and the subscription host 120 can also click back to the main menu button 560 to return to the main page (not shown).

As shown in "Figure 6A" and "Figure 6B", "Phase 6A" and "Phase 6B" are schematic diagrams for repayment of this application. When the claiming party wants to make a repayment, the repayment interface 600 can be opened on the requisitioning host 120, and the repayment object is input in the repayment target block 610, and the repayment amount and the password are input in the repayment amount block 620. Block 630 enters the credit of the creditor. Next, the repayment button 640 is clicked to generate a repayment request containing the repayment amount and transmitted to the intermediation host 140, which may be the sum of the principal, principal or principal and interest of the portion. Then, the lender can deposit the cash equivalent to the repayment amount into the designated bank account of the intermediary host 140 through various means, such as transfer, wire transfer, cash deposit, etc., and when the intermediary host 140 confirms the repayment amount is recorded. , the blockchain transaction will be executed, the virtual currency equivalent to the repayment amount will be transferred from the intermediary host wallet address to the credit card host wallet address, and the cash equivalent of the repayment amount will be transferred from the designated bank account of the intermediary host 140 to the loan. The designated bank account of the host terminal 110, and the execution of the blockchain transaction, first transfer the virtual currency equivalent to the repayment amount from the wallet address of the subscription loan host to the wallet address of the lending host, and then forward the money from the wallet address of the lending host to the intermediary host. End wallet address to complete the recycling of virtual currency. At this point, the applicant can open the repayment completion interface 650 to view the detailed information of the repayment, such as: repayment amount, repayment target, repayment completion time, remaining amount and blockchain transaction number, etc., and click after browsing. Returning to the main menu button 660 returns to the main page (not shown). Due to the execution area In the blockchain trading, each transaction information is stored in all blockchain nodes, so the transaction information is difficult to be tampered with, and can provide the owner to track and verify the authenticity of the transaction.

As shown in Figure 7, "Picture 7" is a schematic diagram of the application of this creation through the merchant host. In actual implementation, the intermediary host 140 may display the notification interface 700 on the merchant host 130 for confirmation of the order before transferring the cash equivalent to the order amount from the designated bank account of the intermediary host 140 to the designated bank account of the merchant host 130. The amount and the bank account of the merchant host 130 are correct. When the confirmation button 710 is clicked, the confirmation is correct, and then the cash equivalent to the repayment amount is transferred from the designated bank account of the intermediary host 140 to the designated bank account of the lending host 110. Otherwise, if the confirmation button 710 is not selected, The objection button 720 is allowed to vote for an objection, or after verifying the identity of the merchant, the click modification button 730 is allowed to modify the designated bank account of the merchant host 130.

In summary, it can be seen that the difference between the present creation and the prior art is that the blockchain network is established through the intermediary host 140, and the intermediary host 140, the lending host 110, the loan host 120, and the merchant host 130 are generated. The wallet address, and the default virtual currency in the blockchain network is directly stored in the wallet address of the intermediary host 140 for confirming the deposit of the cash and the payment order amount by the intermediary host 140 during the loan and payment. After the golden stream, the blockchain transaction is executed to transfer the virtual currency to form a transaction information flow according to the gold flow between the intermediate host 140, the lending host 110, the subscription host 120, and the merchant host 130.朔 and double-verification transactions, by means of this technical means can solve the problems of the prior art, thereby achieving the technical effect of improving the security and reliability of the borrowing consumption.

Although the present invention is disclosed above in the foregoing embodiments, it is not intended to limit the present invention, and any skilled person skilled in the art can make some changes and refinements without departing from the spirit and scope of the present invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

Claims (5)

A blockchain-based lending consumption intermediary system, the system comprising: at least one lending host for transmitting at least one lending request; at least one lending host for transmitting at least one loan request; at least one merchant host Providing at least one sales information of the goods or services for sale; and an intermediary host for interconnecting with the lending host, the loan host, and the merchant host through the network, The mediation host includes: an initial module for establishing a blockchain network, and generating an intermediary host wallet address, and directly depositing a preset amount of virtual currency in the blockchain network into the mediation host a wallet address; a registration module, the registration module is connected to the initial module, to allow the lending host, the loan host, and the merchant host to register at the intermediary host, and register When successful, respectively generate a wallet address corresponding to the lending host of the lending host, a wallet address corresponding to the loan host, and corresponding to the merchant host a merchant host wallet address; a lending module, the lending module is connected to the registration module, and is configured to receive the loan request from the client and the lending request of the lending host for mediation, and succeed After the matchmaking, a loan transaction confirmation message is generated. When a cash lending cash corresponding to the loan transaction confirmation message is detected and sent to the designated bank account of the intermediary host, the lending module executes the blockchain transaction, first The intermediary host wallet address is transferred to the lending host wallet address corresponding to the lending cash virtual currency, and then transferred by the lending host side wallet address to the loan terminal host wallet address; and an authorized payment module The authorized payment module is connected to the lending module, and is configured to generate an order including an order amount according to the vending information of the merchant host end of the merchant, and after the order is completed, the authorized payment module The group performs a blockchain transaction, and transfers the virtual currency equivalent to the order amount from the credit card host wallet address to the merchant host wallet address; after the merchant host finishes delivery of the goods or services, the authorization The payment module authorizes the designated bank account of the intermediary host to transfer the cash equivalent to the order amount to the designated bank account of the merchant host; after the above action is completed, the authorized payment module performs the blockchain transaction again, and the merchant host is executed. The virtual currency equivalent to the order amount in the end wallet address is forwarded to the intermediary host wallet address. The blockchain-based lending consumer intermediary system according to claim 1, wherein the mediation host further includes a repayment module, and the repayment module is connected to the authorized payment module for When the host sends a repayment request including a repayment amount to the intermediation host according to the loan transaction confirmation message, the repayment module confirms whether the requisitioner remits the repayment amount to the intermediary through a banking application interface. The specified bank account on the host side, and then after confirming the import, the repayment module executes the blockchain virtual currency transaction, and the virtual currency from the intermediary host wallet address equal to the repayment amount is transferred to the subscription host Wallet address, then, the repayment module is from The subscription host wallet address transfers the virtual currency equivalent to the repayment amount to the lending host wallet address, and allows the lending host to transfer the cash equivalent to the repayment amount to the designated bank account of the lending host. Then, an equivalent amount of virtual currency is transferred from the lending host wallet address to the mediation host wallet address. According to the blockchain-based lending consumption intermediary system of claim 1, wherein the lending module performs matching according to a lending amount of the lending request and a loan amount of the loan request When the loan amount is equal to the loan amount, it is set as a successful match, wherein the loan amount allows the lending host from different sources. The blockchain-based lending consumer intermediary system according to claim 2, wherein the lending module, the authorized payment module and the repayment module perform blockchain transactions through at least one blockchain application interface For transferring virtual currency in the blockchain network, and obtaining a corresponding blockchain transaction number for querying the corresponding blockchain transaction record and status. The blockchain-based lending consumer intermediation system according to claim 1, wherein the lending module and the authorized payment module transmit an authorization credential and a host host by a banking application interface disposed at a bank end Specifying a bank account to the bank to detect whether the cash loan is remitted to a designated bank account of the intermediary host, and confirming whether the cash equivalent to the order amount is successfully transferred by the designated bank account of the intermediary host to the merchant The designated bank account on the host side.