TWM596410U - Judicial sale system of loan collateral - Google Patents

Abstract

A judicial sale system of loan collateral, applied to the judicial sale of a loan collateral belonging to a lender, includes a broken-contact-triggered module, a court smart-contact module, and a judicial-sale-bidding module. The broken-contact-triggered module communicatively connects to a block chain and provides a sale smart contact. The smart-contact module communicatively connects to the block chain and provides a judicial sale announcement and a bidding smart contact. The judicial-sale-bidding module communicatively connects to the block chain to sign the sale smart contact and decide at least one amount of bid in order to provide the signed sale smart contact and at least one amount of bid.

Description

Loan collateral system

The present invention relates to a legal auction system for collateral, especially a legal auction system for loan collateral through a blockchain.

Generally, when there is a need for financing, there are many ways to obtain a financial solution, including applying for a loan from a bank. However, when a general lender (such as an individual or company) applies for a loan to the above bank, the above bank needs the above lender in accordance with the procedures, shows and proves that it has the capacity to pay off the loan, so that the above bank believes and borrows the required loan amount And look forward to getting the repayment of the above borrowers in the future. The above-mentioned proof methods include collateralizing certain items to protect the amount lent by the above borrowers, which is called a secured loan. The most common secured loan is a house as collateral. That is, if the above lender fails to fulfill its repayment obligations and defaults on its debts, the collateral provided by the above lender for borrowing will be legally owned by the lender (such as a bank).

However, when the lenders (such as banks) deal with the collateral legally attributed to the lenders, they need to convert the collaterals into substantial funds to repay the funds borrowed by the lenders. For example, taking a bank as an example, the bank needs to sue the lender to a court in order to issue a payment order to the lender and determine the judicial auction of the collateral (referred to as a legal auction). In addition to the above-mentioned prosecution and determination of legal auctions, the follow-up process includes delivery, seizure, valuation, setting the auction reserve price and the auction process (including the first to fourth auction). The above-mentioned claims often use paper documents as the main delivery and contracting medium, resulting in shortcomings such as long operation procedures, cumbersome processes, and incomplete communication between units. Therefore, how to overcome the above shortcomings has become a problem to be solved in the art.

In order to solve the above problems, the new model has developed a legal system for loan collateral. The above system will include the above lenders, the above lenders, the above courts and at least one bidder through the technical concept of block chain. As a node in the above-mentioned blockchain, when the above-mentioned lender does not fulfill its repayment obligations to the above-mentioned lender, it directly informs the above-mentioned court of the above-mentioned loan through the above-mentioned blockchain based on the smart contract (Smart contact) agreed to be signed The party’s collateral is auctioned. At least one of the above bidders can grasp the bidding information of biddable items (that is, each collateral) through the above blockchain at any time and bid on it. During the legal auction of the above collaterals, the above-mentioned court decided and announced the winning end and amount of the above-mentioned collaterals through the blockchain. The at least one bidder can know the auction process and the final bidder through the blockchain, and the bidder can pay the bid amount and confirm the payment and write-off status through the blockchain.

Specifically, the new model provides a method of loan collateral, which is applied when a lender does not fulfill the repayment obligation of a bank. The above system includes: a bank blockchain model Group, a default trigger module, a court blockchain module, a court contract module, a bidding blockchain module, and a bid auction module.

The above-mentioned bank blockchain module includes a bank database. The above-mentioned bank blockchain module is used for communication and connection with a blockchain network, and updates all data of the blockchain network to the bank database. The above default trigger module is communication-linked to the above bank blockchain module, and the above default trigger module provides a smart contract for auction. The above-mentioned court blockchain module includes a court database. The above-mentioned court blockchain module is used to communicate with the above-mentioned blockchain network and update all the data of the above-mentioned blockchain network to the above-mentioned court database. The above-mentioned court contract module, the communication link to the above-mentioned court blockchain module, the above-mentioned court contract module provides a method auction announcement and a bidding smart contract according to the above method auction smart contract. The bidding blockchain module includes a bidding database. The bidding blockchain module is used to communicate with the blockchain network and update all data of the blockchain network to the bidding database. The above-mentioned bid auction module is connected to the above-mentioned bid blockchain module through communication, and the above-mentioned bid auction module signs the above-mentioned bid smart contract according to the above-mentioned bid auction announcement and determines at least one bid amount, and provides the signed above-mentioned bid smart contract and At least one bid amount mentioned above.

According to an embodiment, the above system further includes a legal auction bidding module, and the communication link is to the court blockchain module. The legal auction bidding module determines and provides a bid announcement according to the at least one bid amount. The bid announcement includes a bid amount and one of the bid ends of the bid amount.

According to another embodiment, the above system further includes a winning payment module, and the communication link is to the bidding blockchain module. The winning payment module provides a payment message according to the winning announcement to be determined by the law The bid module confirms the above bid amount and the above payment information.

According to yet another embodiment, wherein the bank blockchain module further includes a bank encryption and decryption module, the bank encryption and decryption module encrypts a loan smart contract through a loan public key, and encrypts the law-making intelligence through a court public key Contract, and decrypt the signed loan smart contract with a bank private key; the court blockchain module also includes a court encryption and decryption module, and the court encryption and decryption module encrypts the bid smart contract with a bid public key, And decrypt the signed smart contract and the above-mentioned at least one bid amount through a court private key; and the bidding blockchain module further includes a bid encryption and decryption module, and the bid encryption and decryption module uses a court public key Encrypt the bid smart contract and the at least one bid amount, and decrypt the bid smart contract through a bid private key.

According to yet another embodiment, the above system further includes a bank contract module, the communication link to the bank blockchain module, the bank contract module provides a lending smart contract; a lending blockchain module, including a lending data Library, the loan module is used to communicate with the blockchain network and update all the data of the blockchain network to the loan database; and a loan contract module to link to the loan area Blockchain module, the above loan contract module signs and provides the above loan smart contract.

According to yet another embodiment, wherein the lending blockchain module further includes a lending encryption and decryption module, the lending encryption and decryption module decrypts the lending smart contract through a lending private key, and encrypts the signed by a bank public key The loan smart contract.

In addition to providing the above-mentioned loan collateral system, the present invention further provides a loan collateral method, which is applied when a borrower fails to fulfill the repayment obligation to a bank. The method includes: according to a loan smart contract, provide a method auction smart contract to a blockchain network; according to the above method auction smart contract, provide a method auction announcement and a bidding smart contract to the blockchain network; and sign The above bid smart contract, and upload at least one bid amount and the signed bid smart contract to the blockchain network.

According to an embodiment, a bid announcement is further determined and provided to the blockchain network based on the at least one bid amount. The bid announcement includes a bid amount and one of the bid ends of the bid amount.

According to another embodiment, according to the bid winning announcement, a payment message is paid and provided to the blockchain network for confirming the bid amount and the payment message, and a verification message is provided to the block Chain network for confirmation of the above write-off message.

According to another embodiment, wherein the above-mentioned loan smart contract is further encrypted by a loan public key, and the above-mentioned loan smart contract is provided to the above-mentioned blockchain network; the above-mentioned smart contract for smart contract is further encrypted by a court public key, and the above-mentioned law is provided Take the smart contract to the above-mentioned blockchain network; the above-mentioned law-taking smart contract is further decrypted by a court private key, and the above-mentioned bid smart contract is generated to the above-mentioned blockchain network, wherein the above-mentioned bid smart contract is encrypted by a bid public key ; The above bid smart contract is further decrypted by a bid private key, and the signed above bid smart contract and the above at least one bid amount are generated to the above blockchain network, wherein the signed bid smart contract and the above at least one bid amount It is encrypted by a court public key; and the signed bid smart contract and the at least one bid amount are decrypted by a court private key, and the bid announcement is generated to the blockchain network.

In addition, through the above-mentioned concept of data transmission and storage on the blockchain network, the traditional data can be centralized or stored in a single database or computer system technology method, and turned into a decentralized (Decentralized) system or called a third-party system Data management and information exchange methods. The above-mentioned traditional centralized data management method may have great doubts about data security and preservation, for example, the database system may be invaded or the data is damaged with high risk. Therefore, through the introduction of the above-mentioned blockchain network technology, data can be stored in multiple nodes in the blockchain network, each having a user end (such as the borrower, the bank, the court, and the at least one bid The uniqueness of data input at multiple nodes, backup of data at multiple nodes, and data retrieval at multiple nodes at the same time can improve the shortcomings that cannot be overcome through centralized data management.

In view of the above-mentioned problems to be overcome, the new model provides a legal auction system for loan collateral using blockchain and smart contracts. When the lender (such as an individual or company) does not fulfill the repayment obligation to the lender (such as a bank) Taking a bank as an example, the above-mentioned bank can claim the collateral of the above-mentioned lender according to the signed smart loan contract and through the above-mentioned system. The above-mentioned court's establishment of the legal auction process of each collateral, as well as the bidding process and bidding process of at least one bidder, are all based on smart contracts and blockchain technology. And because the relevant smart contracts and bid amounts in the process are encrypted and decrypted by Asymmetric cryptography, the new system can achieve the characteristics of data security, anonymity and confidentiality.

In order to more clearly explain the implementation of the new model, please refer to FIG. 1, which is a schematic diagram of the structure of a legal auction system for loan collateral. The present invention provides a method 10 for loan collateral, which is applied when a borrowing terminal 40 does not fulfill the repayment obligation for a bank terminal 30. The system 10 includes: a bank block The chain module 31, a default trigger module 34, a court blockchain module 51, a court contract module 53, a bid blockchain module 61, and a bid auction module 63.

The above-mentioned bank blockchain module 31 is further described as follows. Still referring to FIG. 1, the above-mentioned bank blockchain module 31 includes a bank database, and the above-mentioned bank blockchain module 31 is used to communicate with a blockchain network 20, so that the above-mentioned bank terminal 30 becomes the above-mentioned block A unit node in the chain network 20 to update all the data of the blockchain network 20 to the bank database. That is, the bank terminal 30, through the bank blockchain module 31, can ensure that the system 10 currently operated is based on all the latest and synchronized data in the blockchain network 20.

The above default trigger module 34 is further described as follows. Still referring to FIG. 1, the above-mentioned default trigger module 34 communicates with the above-mentioned bank blockchain module 31. When the above lending terminal 40 (including persons with full capacity in accordance with this national law, such as natural persons, corporate legal persons, or consortium legal persons, etc.) fails to fulfill the repayment obligations of the above bank 30 (such as overdue unpaid loans, or non-payment Completely wait for the behavior that is not performed according to the contract content), the default trigger module 34 directly triggers the generation of a smart contract 36, and provides the smart contract 36 to the blockchain network through the bank blockchain module 31. Road 20. Among them, the content of the above-mentioned smart contract 36 further includes the loan information provided by the loan terminal 40 to the bank terminal 30, such as the name, contact information, loan amount, collateral items, land and Building ownership, comprehensive income tax withholding voucher or pay slip, or sales contract.

The aforementioned smart contract 36 needs to be coded in any programming language through the default trigger module 34 to form a language that can be recognized, read, calculated or executed by the blockchain network 20 and stored in the bank database. Upload to the above blockchain network 20. Among them, the above programming languages include any contract-oriented languages, such as Solidity, Serpent, Lisp Like Language (LLL) or Viper.

According to an embodiment, the bank blockchain module 31 further includes a bank encryption and decryption module 32. The bank encryption and decryption module 32 receives the encoded smart contract 36 provided by the default trigger module 34, and After further encrypting the foreclosure smart contract 36 through the court public key corresponding to one of the court ends 50, the encrypted foreclosure smart contract 36 is uploaded to the blockchain network 20 through the bank blockchain module 31 . Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The above hash functions include a digest algorithm (Message-Digest-Algorithm 5, MD5) or a secure hash algorithm (Secure Hash Algorithm, SHA, such as SHA-1, SHA-224, SHA-256, SHA-384, or SHA-512) . The asymmetric encryption includes the RSA algorithm (Rivest-Shamir-Adleman Algorithm).

The above-mentioned court blockchain module 51 is further described as follows. Still referring to FIG. 1, the above-mentioned court blockchain module 51 includes a court database, and the above-mentioned court blockchain module 51 is used to communicate with the above-mentioned blockchain network, so that a court terminal 50 becomes the above-mentioned blockchain A unit node in the network 20 to update all the data of the blockchain network 20 to the court database. That is, the court terminal 50, through the court blockchain module 51, can ensure that the system 10 currently operating is based on all the latest and synchronized data in the blockchain network 20.

The above-mentioned court contract module 53 is further described as follows. Still referring to FIG. 1, the above-mentioned court contract module 53, the communication link to the above-mentioned court blockchain module 51. The above-mentioned court contract module 53 receives the above-mentioned legal auction smart contract 36 through the above-mentioned court blockchain module 51, and generates a legal auction announcement 55 and a bidding smart contract 56 according to the above-mentioned legal auction smart contract 36. Through the above-mentioned court blockchain module 51, the above-mentioned legal auction announcement 55 and the above-mentioned bid smart contract 56 are provided to the above-mentioned blockchain network 20.

According to an embodiment, the court blockchain module 51 further includes a court encryption and decryption module 52. The court encryption and decryption module 52 receives the encrypted smart contract 36 provided by the court blockchain module 51. , And further decrypt the above smart contract 36 through the private key corresponding to one of the above court terminals 50. Among them, a court public key and the above court private key are held correspondingly by the above court end 50, one of the exclusive public keys (Public key) used for asymmetric encryption data and the one used for asymmetric decryption of exclusive data Key (Private key). That is, a document encrypted by the exclusive public key (for example, the court public key) can only decrypt the document by the unique corresponding private key (for example, the court private key), and cannot decrypt the document by other methods.

Among them, the content of the above-mentioned legal auction announcement 55 further includes the above-mentioned collateral items (including real estate and movable property, such as houses) provided by the above-mentioned lending terminal 40 in the above-mentioned loan information and detailed information of the above-mentioned collateral (such as land area, land Area, building area, date of auctioning and building files, or auction reserve price, etc.). The content of the above-mentioned bidding smart contract 56 further includes the content corresponding to the general paper law auction contract, such as the information field that should be provided by a bidding terminal 60, or the contractual provisions and precautions regarding the law auction collateral, such as Restrictions on the qualification of the above bidder 60, etc.

The above-mentioned legal auction announcement 55 and the above-mentioned bid smart contract 56 need to be encoded in any programming language through the above-mentioned court contract module 53 to form a language that can be recognized, read, calculated or executed by the above-mentioned blockchain network 20 and stored in the above Bank database to upload to the above-mentioned blockchain network 20. Among them, the above programming language includes any contract-oriented language, as mentioned above, and will not be repeated here

According to another embodiment, the court blockchain module 51 further includes a court encryption and decryption module 52. The court encryption and decryption module 52 receives the encoded bid smart contract 56 provided by the court contract module 53, and After further encrypting the bidding smart contract 56 through the bidding public key corresponding to one of the bidding ends 60, the encrypted bidding smart contract 56 is uploaded to the blockchain network 20 through the court blockchain module 51. Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The content of the above method is as described above, and will not be repeated here. In addition, the bidding public key and a bidding private key are held correspondingly by the bidding terminal 60, as described above, and will not be repeated here.

The above-mentioned bidding blockchain module 61 is further described as follows. Still referring to FIG. 1, the above-mentioned bidding blockchain module 61 includes a bidding database, and the above-mentioned bidding blockchain module 61 is used to communicate with the above-mentioned blockchain network 20 so that a bidding terminal 60 becomes the above-mentioned block A unit node in the chain network 20 to update all the data of the blockchain network 20 to the bidding database. That is, the bidding terminal 60, through the bidding blockchain module 61, can ensure that the currently operated system 10 is based on all the latest and synchronized data in the blockchain network 20.

The above-mentioned bid auction module 63 is further described as follows. Still referring to FIG. 1, the above-mentioned bid auction module 63 is communicated to the above-mentioned bid blockchain module 61. The above-mentioned bid auction module 63 obtains the above-mentioned bid auction announcement 55 and the above-mentioned bid smart contract 56 through the bidding blockchain module 61. The above-mentioned legal auction bidding module 63, then signs the above-mentioned bidding smart contract 56 according to the collateral and detailed information of the above-mentioned legal auction announcement 55 to be auctioned, and decides at least one bid amount 65 for the above-mentioned collateral.

For example, the above-mentioned collateral announced by the above-mentioned legal auction announcement 55 is a house with a building area of 30 pings and an auction reserve price of 5 million. Bid at least one of the above-mentioned bidding amount of 65 (for example, bid 6 million yuan in the first bidding process, then bid another 7 million yuan in the second bidding process). At the same time, according to the above bidder 60 (for example, bidder B), the above collateral can also be bid on the above collateral through the above bidding module 63 at least one bid amount of 65 (for example, bidding 7.5 million in the second bidding process Yuan, and bid another 8 million yuan during the second auction.)

The bid smart contract 56 signed by the bidding terminal 60 and the at least one bid amount 65 need to be coded in any programming language through the bidding module 63 to form the blockchain network 20 that can be identified, read, The language of calculation or execution is stored in the bidding database for uploading to the blockchain network 20. Among them, the above programming language includes any contract-oriented language, as mentioned above, and will not be repeated here.

According to another embodiment, the bidding blockchain module 61 further includes a bidding encryption and decryption module 62, and the bidding encryption and decryption module 62 receives the encoded bidding smart contract 56 provided by the bidding bidding module 63 and The above-mentioned at least one bid amount 65, and further encrypt the above-mentioned bid smart contract 56 and the above-mentioned at least one bid amount 65 through the court public key corresponding to one of the above-mentioned court ends 50, and then upload the encrypted bid through the above-mentioned bid blockchain module 61 The above-mentioned bidding smart contract 56 and the above-mentioned at least one bid amount 65 go to the above-mentioned blockchain network 20. Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The content of the above method is as described above, and will not be repeated here. In addition, the above court public key and a court private key are held correspondingly by the above court end 50, as already mentioned above, and will not be repeated here.

According to yet another embodiment, the above-mentioned system 10 further includes a method of bidding and bidding module 54 that is communicatively connected to the above-mentioned court blockchain module 51. The above-mentioned court terminal 50 makes a bid decision module 54 through the above-mentioned method, and according to the above-mentioned at least one bid amount 65 for the above-mentioned guaranty bid from the above-mentioned bid end 60, according to a specific condition (for example, the above-mentioned at least one bid amount 65, The highest amount wins the bid) decision, and a bid announcement 57 is provided to the blockchain network 20 through the court blockchain module 51. Among them, the bid winning announcement 57 includes a bid winning amount and one of the bid winning ends of the bid winning amount.

For example, in the bid amount (for example, 6.5 million and 7 million yuan) of the above bidder 60 (for example, bidder A and bidder B), if the bid is determined according to the conditions of the highest bidder, the bid shall be determined by The bidding end with the highest bid amount is the above bidding end (for example, bidder B), and the bid amount (for example, 7 million yuan) is the above bidding amount. Therefore, in the above bid announcement 57, the bid winner (for example, bidder B) and the corresponding bid amount (for example, 7 million yuan) should be announced.

According to yet another embodiment, the court blockchain module 51 further includes a court encryption and decryption module 52, and the court encryption and decryption module 52 receives the encrypted bid smart contract 56 provided by the court blockchain module 51 And further decrypt the bid smart contract 56 and the at least one bid amount 65 through the private key of the court corresponding to the court side 50, so that the court side 50 can proceed with the subsequent bidding process based on the at least one bid amount 65. Among them, the public key of a court and the private key of the above court are held correspondingly by the above court end 50, as already mentioned above, and will not be repeated here.

According to yet another embodiment, the above-mentioned system 10 further includes a winning payment module 64, a communication link to the bidding blockchain module 61; and a legal auction decision module 54, a communication link to the court blockchain module Group 51. The bidding terminal 60, through the bidding payment module 64, and according to the bidding announcement 57 from the court terminal 50, pays the bid amount of one of the bidding announcements 57 and provides a payment message 66 for the court The terminal 50 confirms the above-mentioned bid amount and the above-mentioned payment message 66 through the above-mentioned legal auction bidding module 54 and provides a verification message 58. Among them, the payment message 66 includes the actual payment amount of the bid-winning end, the corresponding items and contents of the bid-winning collateral, the payment channel, the payment date, and the payment serial number, which are used to identify the payment source of the bid-winning amount. In addition, the verification message 58 may be queried and confirmed by the bank terminal 30, the loan terminal 40 and the auction terminal 60. Among them, the verification information 58 includes the actual payment status of the bidding terminal, the actual payment status of the court terminal 50 actually received by the bidding terminal, and the bank terminal 30 actual receipt of the payment by the court terminal 50 Actual payment.

The payment message 66 signed by the bidding terminal 60 needs to be coded in any programming language through the winning payment module 64 to form a language that can be recognized, read, calculated or executed by the blockchain network 20 and stored in The above bid database is uploaded to the above blockchain network 20. Among them, the above programming language includes any contract-oriented language, as mentioned above, and will not be repeated here.

According to yet another embodiment, the bidding blockchain module 61 further includes a bidding encryption and decryption module 62, the bidding encryption and decryption module 62 receives the encoded payment message 66 provided by the winning payment module 64, and After encrypting the payment message 66 through the public key corresponding to one of the court terminals 50, the encrypted payment message 66 is uploaded to the blockchain network 20 through the bidding blockchain module 61. Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The content of the above method is as described above, and will not be repeated here. In addition, the above court public key and a court private key are held correspondingly by the above court end 50, as already mentioned above, and will not be repeated here.

According to another embodiment, the court terminal 50 obtains the payment message 66 signed by the bid winner through the court blockchain module 51, and the court terminal 50 can learn the bid winner through the payment message 66. For the actual payment of the above bid amount. According to the actual payment status of the winning terminal, the court terminal 50 pays the corresponding paid amount to the bank terminal 30, and the actual payment amount received by the court terminal 50 and the bank terminal 30 can be written off. According to another embodiment, the court blockchain module 51 further includes a court encryption and decryption module 52. The court encryption and decryption module 52 receives the encrypted payment message provided by the court blockchain module 51 66, and further decrypt the payment message 66 through a private key corresponding to one of the court terminals 50, so that the court terminal 50 can learn the actual payment status of the bidder according to the payment message 66. Among them, the public key of a court and the private key of the above court are held correspondingly by the above court end 50, as already mentioned above, and will not be repeated here.

According to yet another embodiment, the above system 10 further includes a bank contract module 33, a lending blockchain module 41, and a lending contract module 43. The above-mentioned bank contract module 33 is communicatively connected to the above-mentioned bank blockchain module 31, and the above-mentioned bank contract module 33 provides a lending smart contract 35 to the above-mentioned blockchain network 20 through the above-mentioned bank blockchain module 31. The above-mentioned lending blockchain module 41 includes a lending database. The above-mentioned lending blockchain module 41 is used to communicate with the above-mentioned blockchain network 20 so that a lending terminal 40 becomes the A unit node to update all the data of the blockchain network 20 to the loan database. That is, the lending terminal 40, through the lending blockchain module 41, can ensure that the system 10 currently operating is based on all the latest and synchronized data in the blockchain network 20. The above-mentioned loan contract module 43 is communication-linked to the above-mentioned loan blockchain module 41. The loan contract module 43 obtains the loan smart contract 35 through the loan blockchain module 41. The above-mentioned loan contract module 43 signs and provides the signed above-mentioned loan smart contract 35.

Among them, the content of the above-mentioned lending smart contract 35 includes the basic information and financial proof that the above-mentioned lending terminal 40 needs to provide to the above-mentioned bank terminal 30 during the lending process, corresponding to the general paper lending contract, such as the name of the above-mentioned lending terminal 40, Contact information, amount to be borrowed, items of collateral, land and building ownership, comprehensive income tax withholding vouchers or pay stubs, sales and purchase agreements or contractual provisions regarding loan lending and precautions, such as eligibility for the above lending terminal 40 Financial restrictions, etc.

Before the loan smart contract 35 is uploaded to the blockchain network 20 through the bank blockchain module 31, it needs to be encoded in any programming language through the bank contract module 33 to form the blockchain network 20. Languages that can be identified, read, calculated, or executed are stored in the bank database and uploaded to the blockchain network 20. Among them, the above programming language includes any contract-oriented language, as mentioned above, and will not be repeated here.

According to yet another embodiment, the bank blockchain module 31 further includes a bank encryption and decryption module 32, the bank encryption and decryption module 32 receives the encoded loan smart contract 35 provided by the bank contract module 33, and Further, after encrypting the loan smart contract 35 through the loan public key corresponding to one of the loan terminals 40, the encrypted loan smart contract 35 is uploaded to the blockchain network 20 through the bank blockchain module 31. Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The content of the above method is as described above, and will not be repeated here. In addition, the above-mentioned lending public key and a lending private key are held correspondingly by the above-mentioned lending terminal 40, as described above, and will not be repeated here.

According to yet another embodiment, the lending blockchain module 41 further includes a lending encryption and decryption module 42 that receives the encrypted lending smart contract 35 provided by the lending blockchain module 41 , And further decrypt the lending smart contract 35 through the lending private key corresponding to one of the lending terminals 40, so that the lending terminal 40 can sign the lending smart contract 35. Wherein, a lending public key and the lending private key are held correspondingly by the lending terminal 40, as described above, and will not be repeated here.

After the lending smart contract 35 is signed by the lending terminal 40, it needs to be coded in any programming language through the lending contract module 43 to form a language that the blockchain network 20 can recognize, read, calculate or execute, and store To the above bank database to upload to the above blockchain network 20. Among them, the above programming language includes any contract-oriented language, as mentioned above, and will not be repeated here.

According to yet another embodiment, the lending blockchain module 41 further includes a lending encryption and decryption module 42, the lending encryption and decryption module 42 receives the encoded lending smart contract 35 provided by the lending contract module 43, and Further, after encrypting the loan smart contract 35 through a bank public key corresponding to the bank terminal 30, the encrypted loan smart contract 35 is uploaded to the blockchain network 20 through the loan blockchain module 41. Among them, the above-mentioned encryption method can be any of the above-mentioned programming languages including Hash function, asymmetric encryption, or any digital data that can be changed, and the above-mentioned digital data is changed into ciphertext content that is difficult to read without going through the decryption process , In order to restore the ciphertext to various methods of readable content. The content of the above method is as described above, and will not be repeated here. In addition, the bank public key and a bank private key are held correspondingly by the bank terminal 30, as described above, and will not be repeated here.

According to yet another embodiment, the bank blockchain module 31 further includes a bank encryption and decryption module 32, and the bank encryption and decryption module 32 receives the encrypted loan smart contract 35 provided by the bank blockchain module 31 , And further decrypt the loan smart contract 35 through a bank private key corresponding to the bank terminal 30, the bank terminal 30 can learn and confirm the loan smart contract 35 signed by the loan terminal 40, and verify the loan Whether the personal data of the loan terminal 40 provided by the smart contract 35 is perfect. Among them, a bank public key and the bank private key are held correspondingly by the bank terminal 30, as described above, and will not be repeated here.

In addition, please refer to FIG. 2, which depicts a flowchart of the steps of the method of making a loan collateral. Corresponding to the legal loan system 10 of the loan collateral mentioned above, the present invention further discloses another method 70 of loan collateral, and includes the following steps:

First, in step 75a, according to a loan smart contract 35, a method smart contract 36 is provided to a blockchain network 20. According to an embodiment, in step 71, the loan smart contract 35 is provided by a bank terminal 30 to the blockchain network 20, and in step 72, it is signed by a loan terminal 40 and then provided to the block Chain network 20. The contents of the above-mentioned loan smart contract 35 and the above-mentioned smart contract 36 have already been described above and will not be repeated here.

In addition, according to another embodiment, before the smart loan contract 35 is uploaded to the blockchain network 20 by the bank terminal 30, as in step 71, it needs to be encoded and borrowed by corresponding to one of the loan terminals 40. encryption. In step 72, the lending terminal 40 decrypts the lending smart contract 35 through a lending private key, so that the lending terminal 40 can sign the decrypted lending smart contract 35. The lending smart contract 35 that has been signed by the lending terminal 40 must also be encoded and encrypted by one of the bank public keys corresponding to the bank terminal 30 before it can be uploaded to the blockchain network 20. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods, and the above-mentioned lending public key and the above-mentioned lending private key are held correspondingly by the above-mentioned lending terminal 40, which have already been described above, and will not be repeated here.

According to another embodiment, as in step 73, the bank terminal 30 decrypts the loan smart contract 35 encrypted by the loan terminal 40 through a bank private key corresponding to the bank terminal 30 to confirm and verify the loan smart contract 35. Whether the provided personal information of the above-mentioned loan terminal 40 is complete. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods, and the above-mentioned bank public key and the above-mentioned bank private key are held correspondingly by the above-mentioned bank terminal 30, all of which have been described above and will not be repeated here.

According to another embodiment, as in steps 74 to 75a, when the borrowing terminal 40 fails to fulfill the contractual obligations of the signed smart loan contract 35, the bank terminal 30 may directly generate and provide the above method according to the smart loan contract 35 Take a smart contract 36 to the above-mentioned blockchain network 20.

According to yet another embodiment, before the smart contract 36 is uploaded to the blockchain network 20 by the bank terminal 40, as in step 75a, it needs to be encoded and encrypted by a court public key corresponding to the court terminal 50. , And the above-mentioned court terminal 50 decrypts the above-mentioned smart contract 36 through a private key of the court, so that the above-mentioned court 50 can access the decrypted smart contract 36. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods, and the above-mentioned court public key and the above-mentioned court private key are held correspondingly by the above-mentioned borrowing and lending terminal 40, which have already been described above, and will not be repeated here.

Then, in step 75b, according to the above-mentioned smart auction contract 36, a smart announcement 55 and a smart contract 56 for bidding are provided to the blockchain network 20. According to another embodiment, as in step 75b, the above-mentioned smart contract 36 is provided by the bank terminal 30 to the blockchain network 20, and the court-side 50 generates and provides the above-mentioned smart contract 36 according to the above-mentioned method. The legal auction announcement 55 and the bidding smart contract 56 mentioned above go to the blockchain network 20 mentioned above. The contents of the above-mentioned legal auction announcement 55 and the above-mentioned bidding smart contract 56 have already been described above and will not be repeated here.

In addition, according to yet another embodiment, before the bid smart contract 56 is uploaded to the blockchain network 20 by the court terminal 50, as in step 75b, it needs to be encoded and through a bid public key corresponding to a bid terminal 60 Encrypted, and the bidding terminal 60 decrypts the bidding smart contract 56 through a bidding private key, so that the bidding terminal 60 can sign the decrypted bidding smart contract 56. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods, and the above-mentioned bidding public key and the above-mentioned bidding private key are held correspondingly by the above-mentioned bidding terminal 60, all of which have been described above and will not be repeated here.

Next, in step 75c, sign the bid smart contract 56 and upload at least one bid amount 65 and the signed bid smart contract 56 to the blockchain network 20. According to yet another embodiment, as in step 75c, the legal auction smart contract 36 is obtained by the bidding terminal 60 through the blockchain network 20, and the bidding terminal 60 announces the legal auction according to the legal auction announcement 55 The bidder in 55 provides the above-mentioned at least one bid amount 65 for subsequent bidding and signing the above-mentioned bidding smart contract 56. The above-mentioned bidding method of at least one bid amount of 65 has already been described above and will not be repeated here.

According to yet another embodiment, as in step 75c, the bid smart contract 56 signed by the bidder 60 and the determined at least one bid amount 65 must also be coded and passed to a court corresponding to the court 50 The public key is encrypted before it can be uploaded to the aforementioned blockchain network 20. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods.

According to another embodiment, in step 75d, the court terminal 50 decrypts the bid smart contract 56 encrypted by the bidding terminal 60 and the at least one bid amount 65 through a court private key corresponding to the court terminal 50. At least one bid amount 65 determines one of the winning end of the collateral, and generates a winning announcement 57 which includes a winning amount and one of the bid winning amounts. Among them, the methods involved in the above-mentioned encoding, encryption and decryption methods, and the above-mentioned court public key and the above-mentioned court private key are held correspondingly by the above-mentioned bidder 60, which have already been described above and will not be repeated here. In addition, the method for determining the winning end and the content contained in the winning announcement 57 are also as described above, and will not be repeated here.

According to another embodiment, in step 75e, a payment message 66 is provided to the blockchain network 20 according to the bid announcement 57 for confirmation of the bid amount and the payment message 66. According to yet another embodiment, as in step 75f, the payment message 66 is provided by the bid-winning end to the blockchain network 20 after the entity pays the bid-winning amount. Based on the payment message 66, the court terminal 50 can confirm whether the actual payment status of the bid-winning terminal is consistent with the bid-winning amount to generate a write-off message 58, which can be provided to the bank terminal 30, The above-mentioned lending terminal 40 and the above-mentioned auction terminal 60 are inquired and confirmed. Among them, the content included in the above verification message 58 is as described above and will not be repeated here.

Based on the above loan collateral method and loan collateral method, due to the inherent technology of the blockchain network, the data can be continuously written, decentralized (that is, decentralized), and updated in real time, and The data is recorded in the data history, and has the characteristics of traceability and non-repudiation. In addition, the data uploaded to the blockchain network, such as the personal assets of the borrower, the personal assets of the bidder, or the bid amount of the bidder, etc., if they are encrypted asymmetrically, the encrypted data history will have unchangeable and hidden Sexual characteristics. Therefore, it is impossible to know the individual assets and the bid amount in the bidding process. Only after the completion of the bidding, can the final bid amount and the corresponding bid end be known.

In other words, the communication between the bank side and the court side must use blockchain technology to write, transfer, and receive smart contracts in real time to achieve a mechanism that can trigger the legal auction process at any time due to default on the borrowing side. Therefore, compared with the traditional paper document as a communication medium, the new system can solve the aforementioned shortcomings, and provide a more time-sensitive, simpler and faster method of shooting, and the method is introduced due to the introduction of data encryption and decryption technology. The filming process is more stealthy and unchangeable, creating a safe and reliable intelligent method for filming.

The present invention is disclosed in the preferred embodiments herein. However, any person skilled in the art should understand that the above embodiments are only used to describe the present invention and are not intended to limit the scope of the patent rights claimed by the present invention. Any changes or replacements that are equivalent or equivalent to the above embodiments should be interpreted as being covered within the spirit or scope of the present invention. Therefore, the scope of protection of this new model shall be subject to the scope defined in the following patent application.

10: Legal system of loan collateral 20: Blockchain network 30: Bank side 31: Bank Blockchain Module 32: Bank encryption and decryption module 33: Bank contract module 34: Default trigger module 35: Loan smart contract 36: French smart contract 40: Borrowing 41: Lending Blockchain Module 42: Loan encryption and decryption module 43: Loan contract module 50: Court side 51: Court Blockchain Module 52: Court encryption and decryption module 53: Court contract module 54: French auction decision module 55: Announcement 56: Bidding smart contract 57: Bid Announcement 58: Write-off message 60: Bidding side 61: Bidding Blockchain Module 62: Bidding encryption and decryption module 63: French auction tender module 64: The winning payment module 65: bid amount 66: Payment message 70: Flowchart of legal method of loan collateral 71-74, 75a-75f: steps

In order to make the above and other objects, features, advantages and embodiments of the present invention more obvious and understandable, the attached drawings are described as follows: Figure 1 depicts a schematic diagram of the structure of the legal announcement system for loan collateral. Figure 2 depicts a flow chart of the steps of the method of public announcement of loan collateral.

10: Legal system of loan collateral

20: Blockchain network

30: Bank side

31: Bank Blockchain Module

32: Bank encryption and decryption module

33: Bank contract module

34: Default trigger module

35: Loan smart contract

36: French smart contract

40: Borrowing

41: Lending Blockchain Module

42: Loan encryption and decryption module

43: Loan contract module

50: Court side

51: Court Blockchain Module

52: Court encryption and decryption module

53: Court contract module

54: French auction decision module

55: Announcement

56: Bidding smart contract

57: Bid Announcement

58: Write-off message

60: Bidding side

61: Bidding Blockchain Module

62: Bidding encryption and decryption module

63: French auction tender module

64: The winning payment module

65: bid amount

66: Payment message

Claims (6)

A legal auction system for loan collateral, which is applied when a borrower fails to fulfill the repayment obligation to a bank, the system includes: A bank blockchain module, including a bank database, the bank blockchain module is used to communicate with a blockchain network and update all data of the blockchain network to the bank database; A default trigger module, the communication link to the bank's blockchain module, the default trigger module provides a smart contract to beat; A court blockchain module, including a court database, the court blockchain module is used to communicate with the blockchain network and update all data of the blockchain network to the court database; A court contract module, the communication link to the court blockchain module, the court contract module according to the law auction smart contract, provides a law auction announcement and a tender smart contract; A bidding blockchain module, including a bidding database, the bidding blockchain module is used to communicate with the blockchain network and update all data of the blockchain network to the bidding database; and A bid auction module, the communication link to the bidding blockchain module, the bid auction module signs the bid smart contract according to the bid auction announcement and determines at least one bid amount, provides the signed bid smart contract and The at least one bid amount. For example, the legal auction system of the loan collateral of claim 1 further includes: A legal auction bidding module, the communication link to the court blockchain module, the legal auction bidding module determines and provides a bid announcement based on the at least one bid amount, the bid announcement includes a bid amount and One of the winning bids is the bid winner. For example, the legal auction system of the loan collateral of claim 2 further includes: A winning payment module, the communication link to the bidding blockchain module, the winning payment module pays according to the winning announcement and provides a payment message for the method to determine the winning amount And the payment message. For example, the legal auction system of the loan collateral of any one of claims 1-3, in which: The bank blockchain module further includes a bank encryption and decryption module. The bank encryption and decryption module encrypts a loan smart contract through a loan public key and encrypts the smart contract through a court public key, and through a bank private Key decryption of the loan smart contract that has been signed; The court blockchain module further includes a court encryption and decryption module. The court encryption and decryption module encrypts the bid smart contract with a bid public key, and decrypts the signed smart contract and the signed smart contract with a court private key. At least one bid amount; and The bidding blockchain module further includes a bidding encryption and decryption module, the bidding encryption and decryption module encrypts the bidding smart contract and the at least one bid amount through a court public key, and decrypts the bidding smart contract through a bidding private key . For example, the legal auction system of the loan collateral of claim 1 further includes: A bank contract module, the communication link to the bank blockchain module, the bank contract module provides a loan smart contract; A lending blockchain module, including a lending database, the lending blockchain module is used to communicate with the blockchain network and update all data of the blockchain network to the lending database; and A loan contract module, the communication link is to the loan blockchain module, and the loan contract module signs and provides the signed loan smart contract through the loan contract module. For example, the legal auction system of the loan collateral of claim 5, in which: The lending block chain module further includes a lending encryption and decryption module. The lending encryption and decryption module decrypts the lending smart contract through a lending private key, and encrypts the signed lending smart contract through a bank public key.

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