TWM615249U - Lending system based on blockchain - Google Patents

Abstract

A lending system based on a blockchain is provided, including a bank server, a first user equipment (UE), and a second UE. The first UE is corresponded to a first account and communicatively connected to the bank server. The second UE is corresponded to a second account and communicatively connected to the bank server. The bank server receives loan information from the first UE and transfer loan money in the first account to a trust account according to the loan information. The bank server generates a smart IOU and transmits the smart IOU to the second UE. The bank server transfers the loan money from the trust account to the second account and uploads a signed smart IOU to the blockchain in response to receiving the signed smart IOU from the second UE.

Description

Blockchain-based lending system

This new creation is about a lending system based on blockchain.

Private loans are mostly agreed upon by individuals, and often encounter problems such as the borrower’s failure to establish complete IOU information, difficulty in storing IOUs, or incomplete repayment information, which makes it difficult for relevant personnel to find the loan and repayment history. In the event of the death of the borrower or lender, the relevant debt claims will be difficult to prove.

The new creation provides a lending system based on blockchain.

A blockchain-based lending system created by the present invention includes a bank server, a first user equipment, and a second user equipment. The bank server communication is connected to the blockchain. The first user equipment corresponds to the first account and is communicatively connected to the bank server. The second user equipment corresponds to the second account and is communicatively connected to the bank server. The bank server receives loan information from the first user equipment and transfers the loan money in the first account to the trust account according to the loan information. The bank server The device generates a smart debit note based on the loan information, and sends the smart debit note to the second user device, the bank In response to receiving the signed smart debit corresponding to the smart debit from the second user equipment, the server transfers the loan money in the trust account to the second account, and uploads the signed smart debit to the blockchain.

In an embodiment of the present invention, the aforementioned bank server transfers the loan money in the trust account to the first account in response to not receiving the signed smart debit from the second user device.

In an embodiment of the present invention, the aforementioned smart loan includes the legal name of the borrower, the legal name of the lender, the amount of the loan, the period of the loan, interest, and the method of repayment.

In an embodiment of the present invention, the aforementioned bank server sends an instruction to the blockchain to update the signed smart debit in response to detecting that the repayment amount is transferred to the first account within the loan period.

In an embodiment of the present invention, the above-mentioned bank server sends an instruction to the blockchain to update the signed smart debit in response to the repayment amount being transferred to the first account based on the repayment method.

In an embodiment of the present invention, the aforementioned bank server sends an instruction to the blockchain to update the signed smart debit in response to receiving the repayment information from the first user device within the loan period.

In an embodiment of the present invention, the aforementioned first user equipment transmits repayment information to the second user equipment during the loan period, and the second user equipment transmits repayment confirmation to the bank server in response to receiving the repayment information, In response to receiving the repayment confirmation, the bank server sends an instruction to the blockchain to update the signed smart debit.

In an embodiment of the present invention, the above-mentioned signed smart debit includes an electronic signature corresponding to the second user equipment.

In an embodiment of the present invention, the above-mentioned first user equipment sends a message containing identity verification information to a bank server, and the bank server determines that the message comes from the first user equipment according to the identity verification information.

In an embodiment of the present invention, the aforementioned bank server accesses the signed smart debit in the blockchain in response to receiving the query command, and outputs the signed smart debit.

Based on the above, the lending system of the present invention can use the non-tampering feature of the block chain to record the loan and repayment history in the block chain.

10: Lending system

100: Bank server

20: Blockchain

200: the first user device

300: second user equipment

Figure 1 illustrates a schematic diagram of a blockchain-based lending system according to an embodiment of the present invention.

In order to make the content of the new creation easier to understand, the following specific examples are given as examples on which the new creation can indeed be implemented. In addition, wherever possible, elements/components/steps with the same reference numbers in the drawings and embodiments represent the same or similar components.

Figure 1 illustrates a block chain based 20 according to an embodiment of the present invention. Schematic diagram of the lending system 10 of. The lending system 10 may include a bank server 100, a first user equipment 200, and a second user equipment 300. The bank server 100 may be communicatively connected to the blockchain 20, the first user equipment 200, and the second user equipment 300, respectively.

The bank server 100 may belong to the bank. The first user equipment 200 may belong to the lender and correspond to the lender's first account. The second user equipment 300 may belong to the borrower and correspond to the borrower's second account. The bank server 100 can be used to manage the first account and the second account. Banks can provide trust services for borrowers and lenders. Specifically, the bank server 100 can manage trust accounts. The money between the first account and the second account can be circulated through the trust account.

The bank server 100 has a processing unit (such as a processor but not limited to this), a communication unit (such as various communication chips, mobile communication chips, Bluetooth chips, WiFi chips, etc. but not limited to this), and a storage unit (such as: Removable random access memory, flash memory, hard disk, etc., but not limited to these, are necessary components for running the bank server 100. In one embodiment, the bank server 100 can store the related information of the first account, the second account, or the trust account in the storage unit, so as to manage these accounts. In one embodiment, the bank server 100 may be connected to an account management server for managing these accounts through a communication unit, so as to manage the accounts through the account management server.

The first user equipment 200 (or the second user equipment 300) may include, but is not limited to, a mobile station, an advanced mobile station (AMS), a server, a client, a desktop computer, a notebook computer, and a network type Computers, workstations, personal digital assistants (PDA), personal computers computer, PC), tablet computer or telephone device, etc. The first user equipment 200 (or the second user equipment 300) may at least include, but is not limited to, a transceiver circuit, an analog-to-digital (A/D)/digital-to-analog (D/A) converter, a processing circuit, and an optional memory circuit And one or more antenna units.

The first user equipment 200 (or the second user equipment 300) can send a message to the bank server 100. In order to enable the bank server 100 to identify the source of the message, the first user equipment 200 (or the second user equipment 300) can add identity verification information (for example, an electronic certificate) to the message. For example, the first user equipment 200 may send a message including an electronic certificate to the bank server 100. After the bank server 100 receives the message, the bank server 100 can determine that the message comes from the first user equipment 200 in response to the electronic certificate in the message corresponding to the borrower (or the first user equipment 200). The second user equipment 300 can send a message including the electronic certificate to the bank server 100. After the bank server 100 receives the message, the bank server 100 can determine that the message comes from the second user equipment 300 in response to the electronic certificate in the message corresponding to the lender (or the second user equipment 300).

When the lender wants to lend a loan to the borrower, the lender can operate the first user device 200 to transmit the loan information to the bank server 100. Loan information may include, but is not limited to, information such as the legal name of the borrower, the legal name of the lender, the amount of the loan, the period of the loan, interest (for example, the total amount of interest or interest rate), or the method of repayment. The bank server 100 can transfer the loan money in the first account to the trust account according to the loan amount in the loan information. In other words, the lender’s loan amount will not be directly transferred to the borrower’s second account, but will first be deposited in a third-party trust account.

On the other hand, the bank server 100 can generate a smart debit (or electronic debit) based on the loan information. Smart debit notes may include, but are not limited to, information such as the legal name of the borrower, the legal name of the lender, the amount of the loan, the period of the loan, interest (for example, the total amount of interest or interest rate), or the method of repayment. The bank server 100 may send the smart debit to the second user equipment 300 for confirmation by the borrower.

If the borrower agrees to the content recorded in the smart IOU, the borrower can operate the second user device 300 to sign an electronic signature on the smart IOU, thereby generating a signed smart IOU. The second user equipment 300 can send the signed smart debit to the bank server. The bank server 100 may transfer the loan money in the trust account to the second account of the borrower in response to receiving the signed smart debit from the second user equipment 300. The bank server 100 can upload the signed smart debit to the blockchain 20 for storage. If the borrower does not agree with the content recorded in the smart debit, the borrower may not operate the second user equipment 300 to send the signed smart debit to the bank server 100. The bank server 100 may transfer the funds in the trust account to the first account of the lender in response to not receiving the signed smart debit from the second user equipment 300. In this way, the lending behavior between the lender and the borrower will not be established.

After the borrower obtains the loan money, the borrower can return the repayment amount to the lender within the loan period, where the repayment amount may include the principal and interest of the loan amount. In one embodiment, the bank server 100 may respond to detecting that the repayment amount is transferred to the first account of the lender in a repayment method (for example, remittance from the second account or transfer to the first account) within the loan period. In the account, it is judged that the borrower has returned the repayment amount to the lender. In order to record this repayment history, the bank server 100 can send Command to the blockchain to update the signed smart debit. For example, the bank server 100 can send a command to the blockchain to record the relevant information of "the borrower remits the repayment amount of 1,000 yuan to the lender's account on January 1, 2021" in the signed smart debit middle.

In one embodiment, the repayment method may be "cash repayment". The borrower can deliver cash to the lender to return the repayment amount to the lender. In this way, the bank server 100 may not be able to determine whether the borrower will deliver the repayment to the lender by detecting the first account of the lender. Accordingly, the lender needs to operate the first user equipment 200 to notify the bank server 100 to record the repayment history.

Specifically, the first user equipment 200 may transmit the repayment information to the bank server 100 within the repayment period. The repayment information may include, but is not limited to, information such as repayment time or repayment amount. The bank server 100 may send an instruction to the blockchain 20 to update the signed smart debit in response to receiving the repayment information from the first user equipment 200 within the repayment period. For example, the bank server 100 may send a command to the blockchain to record the repayment information in the signed smart debit.

In one embodiment, the repayment information output by the first user equipment 200 needs to be confirmed by the borrower. Specifically, the first user equipment 200 may transmit the repayment information to the second user equipment 300 within the repayment period. If the borrower agrees to the content recorded in the repayment information, the borrower can operate the second user device 300 to send a repayment confirmation to the bank server 100. The bank server 100 may send an instruction to the blockchain 20 to update the signed smart debit in response to receiving the repayment confirmation from the second user equipment 300. For example, the bank server 100 can send a command to the blockchain to record the repayment information in the signed smart debit Wherein, the repayment information is, for example, sent by the first user equipment 200 to the bank server 100, or sent by the second user equipment 300 to the bank server 100. In an embodiment, the repayment information may be included in the repayment confirmation sent by the second user equipment 300 to the bank server 100.

Relevant persons (for example, bank, lender or borrower) who have signed the smart IOU can query the signed smart IOU stored in the blockchain 20 at any time. The bank server 100 can access the signed smart debit in the blockchain 20 in response to receiving the query command, and output the signed smart debit. For example, if the lender wants to inquire about the content of the signed smart debit, the lender can operate the first user device 200 to send an inquiry command to the bank server 100. The bank server 100 can access the signed smart debit in the blockchain 20 after receiving the query instruction, and transmit the content recorded in the signed smart debit to the first user equipment 200.

In summary, the lending system of the present invention can use the non-tampering feature of the block chain to record the loan and repayment history in the block chain. The bank server can provide a trust custody mechanism. If the borrower is unwilling to sign the smart debit note, the bank server can refund the loan money to the payer's account. When the borrower uses any repayment method during the loan period, the bank server can update the signed smart debit on the blockchain to record the loan and repayment history in detail. If the borrower uses cash to repay the lender, the lender can instruct the bank server through the user device to upload the repayment record to the blockchain. The lender can also send the repayment information to the borrower for confirmation. The borrower can instruct the bank server to upload the repayment record to the blockchain after confirming that the repayment information is correct. Related personnel (for example: bank, borrower or lender) can pass through the deposit and withdrawal area at any time Blockchain to query the content of the signed smart IOU.

10: Lending system

100: Bank server

20: Blockchain

200: the first user device

300: second user equipment

Claims (10)

A blockchain-based lending system, including: A bank server, which is connected to the blockchain in communication; The first user equipment corresponds to the first account and is communicatively connected to the bank server; and The second user equipment corresponds to the second account and is communicatively connected to the bank server, wherein The bank server receives loan information from the first user equipment, and transfers the loan money in the first account to a trust account according to the loan information, The bank server generates a smart debit according to the loan information, and transmits the smart debit to the second user equipment, The bank server transfers the loan money in the trust account to the second account in response to receiving the signed smart debit corresponding to the smart debit from the second user equipment, and uploads the After signing the smart IOU to the blockchain. The lending system according to claim 1, wherein the bank server, in response to not receiving the signed smart debit from the second user equipment, transfers the loan money in the trust account to the first One account. The lending system according to claim 1, wherein the smart debit includes the legal name of the borrower, the legal name of the lender, the amount of the loan, the period of the loan, interest, and the method of repayment. The lending system according to claim 3, wherein the bank server, in response to detecting that the repayment amount is transferred to the first account within the loan period, transmits an instruction to the blockchain to update The signed wisdom IOU. The lending system according to claim 4, wherein the bank server transmits the instruction to the blockchain in response to the repayment amount being transferred to the first account based on the repayment method Update the signed smart IOU. The lending system according to claim 3, wherein the bank server, in response to receiving repayment information from the first user device within the loan period, transmits an instruction to the blockchain to update the signed Wisdom IOUs. The lending system according to claim 3, wherein the first user equipment transmits repayment information to the second user equipment during the borrowing period, wherein the second user equipment responds to receiving the repayment information Sending a repayment confirmation to the bank server, wherein the bank server sends an instruction to the blockchain to update the signed smart debit in response to receiving the repayment confirmation. The lending system according to claim 1, wherein the signed smart debit includes an electronic signature corresponding to the second user equipment. The lending system according to claim 1, wherein the first user equipment transmits a message including identity verification information to the bank server, wherein the bank server determines that the message is from the bank server according to the identity verification information The first user equipment. The lending system according to claim 1, wherein the bank server accesses the signed smart debit in the blockchain in response to receiving the query instruction, and outputs the signed smart debit.

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