TWM597930U - Intelligent system of implementing loan collateral - Google Patents

Abstract

An intelligent system of implementing loan collateral is provided. The intelligent system adopts the technology of Blockchain. The system comprises a client host comprising a client Blockchain module and a contract module, as well as a bank host comprising a bank Blockchain module, a smart loan contract module, and a smart collateral contract module.

Description

Intelligent system for realizing loan collateral

The present invention relates to an intelligent system and method for realizing loan collateral, especially an intelligent system and method for realizing loan collateral by using blockchain technology.

There are two major deficiencies in traditional online lending and consumption. The first point is that the flow of money and financial information cannot be controlled by each other, which leads to increased borrowing risk and poor reliability. The second point is that there is no third party. Verification. Therefore, how to improve the security of data in network transmission and enhance the non-single preservation of all encrypted data will be urgently solved by those familiar with the art.

The model provides an intelligent system for realizing loan collateral, which can connect all collaterals (including sub-collaterals) and loan contracts through a blockchain network system. The digital key of the collateral (including the sub-collateral) is generated through the Merkel tree principle, and the total key of the house (the Merkel tree root) is finally generated, which can control and transfer all the collateral equipment, and perform an encryption mechanism. Therefore, the security of data in network transmission is solved.

The secondary purpose of the new collateral intelligent system is that if the contract or related data is in paper, there may be problems of loss or damage, so all data will be stored through the blockchain. Therefore, through the blockchain network mechanism, decentralization can be implemented, and the data of each unit in the blockchain can be synchronized.

The collateral intelligent system of the present invention includes: a blockchain network; at least one client; at least one client host, including a contract module and a client blockchain module; at least one bank host, including a bank area Blockchain module, a loan smart contract module, and a collateral smart contract module; wherein the client evaluates the at least one loan bank on the blockchain through the client blockchain module of the client host With selection, the customer then provides a collateral and a collateral related to the collateral through the customer’s blockchain module, the blockchain, and the bank’s blockchain module of the bank host of the loan bank To the lending bank to generate the loan business relationship. The customer signs a contract with the lending bank through the signing module, the blockchain and the bank host, and uses the collateral smart contract module and the The loan smart contract module saves and generates a collateral smart contract with the digital key and a loan smart contract, and they exist in the blockchain. If the customer cannot execute the loan smart contract, the loan smart contract and the loan smart contract The collateral smart contract operates jointly and generates data that requires legal action after breach of contract. The bank host transmits the data that requires legal action to the court.

Preferably, in the collateral smart system of the present invention, the collateral smart contract uses the Merkel tree algorithm to store the digital key in the collateral smart contract.

100: Intelligent system

110: Customer

112: client host

114: Customer Blockchain Module

116: Signing Module

120: Bank

122: Bank Host

124: Bank Blockchain Module

126: Loan Smart Contract Module

128: Collateral smart contract module

130: court

132: Court Host

140: Blockchain network

200: smart method

201-215: Step

In order to make the above and other objectives, features, advantages and embodiments of the present invention more comprehensible, the description of the attached drawings is as follows: Fig. 1 is a schematic diagram of an intelligent system for realizing loan collateral according to some embodiments of the present invention.

Figure 2 is a flowchart of a method for realizing loan collateral according to some embodiments of the present invention.

Figure 3 is a schematic diagram of the Merkel tree algorithm.

The model provides an intelligent system and method for realizing loan collateral. Please refer to FIG. 1, which is a schematic diagram of an intelligent system for realizing loan collateral according to some embodiments of the present invention. In FIG. 1, according to an embodiment, the smart system 100 includes a client host 112 with a client blockchain module 114 and a contract module 116, and a bank blockchain module 124, a loan smart contract module 126, and a guarantee The bank host 122 of the product smart contract module 128. Therefore, the client host 112 can join the blockchain network 140 through the client blockchain module 114, and the bank host 122 can also join the blockchain network 140 through the bank blockchain module 124.

On the bank side, through the bank blockchain module 124 of the bank host 122, the bank 120 can first use the loan smart contract module 126 to generate a loan smart contract. Then, according to the content of the loan smart contract, the collateral smart contract module 128 is used to generate the corresponding collateral smart contract. Then, the loan smart contract and the collateral smart contract are uploaded to the blockchain network 140 through the bank blockchain module 124.

On the client side, when the customer 110 needs a loan, the customer block chain module 114 of the customer host 112 can be used to check the block chain network 140 for multiple parties participating in the block chain network 140 The bank evaluates and selects. After selecting the bank 120, first download the loan smart contract and the collateral smart contract to the signing module 116 through the customer blockchain module 114. After signing the loan smart contract and the collateral smart contract, and attaching the digital key representing the ownership of the required collateral to the collateral smart contract, through the customer blockchain module 114, the loan smart contract and the collateral smart contract Upload to the blockchain network 140 together. Among them, the collateral smart contract will convert and save the collateral digital key to the collateral smart contract after attaching the collateral digital key of the required collateral ownership. The above-mentioned method of converting and storing the digital key of the collateral may be, for example, the Merkel tree algorithm.

According to another embodiment, the aforementioned smart system 100 may further include a court host 132. When the client is unable to execute the loan contract, the loan smart contract is triggered, allowing the loan smart contract and the collateral smart contract to work together to generate default information required for legal actions to be executed after default. Then, the bank host 122 sends the breach information to the court host 132 of the court 130, so that the court 130 can execute related legal actions based on the breach information. The default data required for these legal actions include the relevant default fact records generated by the loan smart contract based on the current loan repayment status, and the collateral related data provided by the collateral smart contract (such as PICC information, pledge information, mortgage information, etc.) ).

Please refer to FIG. 2, which is a flowchart of an intelligent method for realizing loan collateral according to some embodiments of the present invention. Please refer to Figure 1 and Figure 2 at the same time. In FIG. 2, the intelligent method 200 for implementing loan collateral includes the following steps.

In step 201, the steps of implementing the intelligent method of loan collateral are started.

In step 202, the client 110 is connected to the blockchain network 140 through the client blockchain module 114 of the client host 112, and selects a suitable one according to the loan conditions of multiple lending banks participating in the blockchain network 140 Loan bank.

In step 203, it is confirmed whether the client 110 has found a suitable loan bank. If the answer to step 203 is no and no suitable lending bank is found, go to step 204. In step 204, it is confirmed whether the client 110 has given up applying for a loan. If it is, that is, the client 110 gives up applying for a loan, go to step 215 to end the process of the smart method 200. If not, that is, the client 110 continues to apply for the loan, go to step 205. In step 205, the client 110 prepares materials that meet the loan conditions again, and proceeds to step 202 to continue with the following steps.

If the answer to step 203 is yes, find a suitable loan bank, go to step 206. Then, in step 206, after the customer 110 selects the bank 120, through the customer blockchain module 114, download the loan smart contract and the collateral smart contract provided by the bank 120 on the blockchain network 140. Then, the client 110 uses the contract module 116 to provide the collateral digital key, so that the collateral smart contract can convert and store the collateral digital key. Then, the customer 110 then signs the collateral smart contract. Then, through the client blockchain module 114, the client 110 uploads the signed collateral smart contract to the blockchain network 140. The above-mentioned method of converting and storing the digital key of the collateral may be, for example, the Merkel tree algorithm.

Then, proceed to step 209. In step 209, the customer signs the loan smart contract, and uploads the signed loan smart contract to the blockchain network 140 through the customer blockchain module 114 to complete the loan application.

Then, in step 210, through the bank blockchain module 124, the bank 120 receives the above-mentioned loan smart contract and collateral smart contract from the blockchain network 140, and after confirming that they are correct, the bank 120 allocates funds to the customer 110 In your bank account.

In step 211, the loan smart contract will periodically check whether the customer has repaid the loan on schedule. If all repayments are made on schedule, step 212 is executed to continue to execute the loan smart contract. If the payment is overdue, step 213 is executed. In step 213, the loan smart contract will trigger the collateral smart contract due to the overdue default event, and then generate related default data. For example, it includes the relevant default fact records generated by the loan smart contract based on the current repayment status of the loan, and the related data of the collateral provided by the collateral smart contract (such as PICC information, pledge information, mortgage information, etc.).

Then, in step 214, the bank host 122 forwards the above-mentioned default information to the court host 132 of the court 130, so that the court can execute the subsequent legal actions required for default based on the default information, and end the intelligent method of realizing loan collateral A step of.

Please refer to Figure 3, which is a schematic diagram of the Merkel tree algorithm. There is data one 301 through the hash operation to generate the value hash1. In addition, data two 302 generates the value hash2 through the hash operation, and the parent node of the value hash1 and the value hash2 is the value hash12, and so on, the Merkel tree root can be derived. For example, if a customer 110 gets a loan from a lending bank 120, it will sign a loan smart contract 126a. With the permission of the customer's 110 funds, the relevant information will be directly brought into the loan smart contract 126a, and another collateral smart contract 128a will be signed. 128a will connect the equipment related to this collateral in series. Taking a house as an example, the value hash1 is the hash value generated by electricity, the value hash2 is the hash value generated by water, the value hash3 is the hash value generated by the parking space... etc. Finally, the Merkel root hash 1234567 is formed, which is the house The total number of keys, The digital key (hash value) may come from data one 301 to data seven 307. The source can be a variety of identification mechanisms, such as password, face identification, fingerprint identification, signature identification and other biometric identification mechanisms.

In summary, the collateral intelligent system and method of the present invention utilizes blockchain technology to achieve a decentralized mechanism. Furthermore, the relevant collateral files are digitized through the Merkel tree algorithm and smart contracts, and the data will achieve the characteristics that cannot be changed. The blockchain also has asymmetric encryption security features, and the data is encrypted and transmitted, and the encryption effect is better .

Although the present invention is disclosed in the foregoing embodiments, it is not intended to limit the present invention. Anyone who is familiar with the art can make some changes and modifications without departing from the spirit and scope of this new model. Therefore, the scope of patent protection of this new model shall be determined by the scope of the patent application attached to this specification.

100: Intelligent system

110: Customer

112: client host

114: Customer Blockchain Module

116: Signing Module

120: Bank

122: Bank Host

124: Bank Blockchain Module

126: Loan Smart Contract Module

128: Collateral smart contract module

130: court

132: Court Host

140: Blockchain network

Claims (3)

An intelligent system for realizing loan collateral includes: a bank host, including: a bank block chain module, connected to a block chain network; a loan smart contract module, which generates a loan smart contract, and uses The bank blockchain module uploads the loan smart contract to the blockchain network; and a collateral smart contract module generates a collateral smart contract based on the loan smart contract, and uses the bank blockchain module Group, upload the loan smart contract to the blockchain network, where the collateral smart contract stores the digital key, and provides the collateral smart contract to the client through the bank’s blockchain module; and a client host , Including: a customer's blockchain module connected to the blockchain network; and a signing module that allows a customer to sign the loan smart contract and the collateral smart contract through the signing module, and will represent the firm A digital key that requires the ownership of the collateral is attached to the collateral smart contract. When the customer cannot execute the loan smart contract, the loan smart contract is triggered, so that the loan smart contract and the collateral smart contract work together. The breach of contract information required for the execution of the legal action, and the breach of contract information is sent to a court to request the court to execute subsequent legal actions. The intelligent system for realizing loan collateral as described in claim 1, wherein the digital key of the collateral smart contract is stored using a Merkel tree algorithm. The intelligent system for realizing loan collateral as described in claim 1, wherein the default data includes PICC data, pledge data, mortgage data or any combination of the above.

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