WO2019019087A1 - 区块链信贷撮合系统 - Google Patents

区块链信贷撮合系统 Download PDF

Info

Publication number
WO2019019087A1
WO2019019087A1 PCT/CN2017/094652 CN2017094652W WO2019019087A1 WO 2019019087 A1 WO2019019087 A1 WO 2019019087A1 CN 2017094652 W CN2017094652 W CN 2017094652W WO 2019019087 A1 WO2019019087 A1 WO 2019019087A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit
fund
blockchain
loan
hash
Prior art date
Application number
PCT/CN2017/094652
Other languages
English (en)
French (fr)
Inventor
吴思进
王志文
Original Assignee
杭州复杂美科技有限公司
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 杭州复杂美科技有限公司 filed Critical 杭州复杂美科技有限公司
Priority to PCT/CN2017/094652 priority Critical patent/WO2019019087A1/zh
Publication of WO2019019087A1 publication Critical patent/WO2019019087A1/zh

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/06—Asset management; Financial planning or analysis

Definitions

  • the invention relates to the field of blockchain technology.
  • the credit matching system is the technical registration of identity registration and information recording in the central server.
  • the loan information and the delisting information of all parties to the transaction are technically falsified and lost.
  • the parties to the transaction, as well as the credit rating agencies, platform parties and other third parties are There is a trust problem with the authenticity and integrity of the data.
  • the purpose of the present invention is to use the blockchain technology to participate in the hashing of the credit platform and the credit application content and the credit matching event through the participant private key of each step, and perform hash signature to obtain the hash value of each stage. Effectively preserves the entire process of matching the system information, ensuring authenticity and integrity.
  • the present invention provides a blockchain information matching platform.
  • the matching system uses the blockchain technology to participate in the identity hash of the credit platform and the credit application content and credit matching events.
  • the hash key of each stage is obtained by hash signature of each participant's private key.
  • the fund demander initiates a hash value by hashing the loan application content together with the identity hash of the capital demander by hashing its private key.
  • the credit evaluation agency After analyzing the financing demand submitted by the capital demander, the credit evaluation agency will hash the credit analysis evaluation report together with the evaluation institution's identity hash by the evaluation institution's private key to obtain a credit analysis evaluation hash value and submit it to the blockchain. After the purchase, the fund supplier purchases or references.
  • the fund supply parties select the credit analysis and evaluation according to their risk preference conditions through the credit matching system.
  • the capital demand side After selecting the credit intention provided by one or several fund providers, the capital demand side, together with the identity of the capital demander, hashes the hash signature through its private key to form a contract hash value.
  • Figure 1 is a schematic diagram of a credit matching system embodiment on a credit application matching process.
  • Step 1 The credit platform provides basic identity information and obtains real-name authentication of the CA center when participating in the registration system.
  • Step 2 The capital demander initiates a hash value by hashing the loan application content together with the identity of the capital demander by hashing the signature of the private key.
  • Step 3 After analyzing the financing demand submitted by the fund demand side, the credit evaluation agency will hash the evaluation report together with the identity of the evaluation institution by the evaluation institution's private key to obtain a credit analysis and evaluation hash value, and submit it to After the blockchain is purchased or referenced by the fund provider.
  • Step 4 The fund supply parties select the loan application that has been assessed by credit analysis according to their risk preference conditions through the credit matching system, delist the card, and submit the loan interest rate quotation and loan amount and other related information, together with the identity of the fund supplier.
  • the hash signature is formed by hash signature of its private key.
  • Step 5 After selecting the credit intention provided by one or several fund providers, the capital demand side, together with the identity of the capital demander, hashes the hash signature through its private key to form a contract hash value.
  • Step 6 The capital supply and the demand side's quotation can be immediately executed according to certain rules. It can also be stipulated after a certain period of time according to the most favorable conditions for the capital demand side.
  • the transaction rules can be written into the smart chain contract of the blockchain for automatic carried out.

Abstract

一种区块链信贷撮合系统，资金需求方在区块链上提交贷款申请资料后，由注册的信用评估机构对贷款申请人和申请内容进行评估挂牌，银行、保理公司等资金供给方针对信用评估机构提供的评估挂牌信息在区块链上提供相应的贷款利率及贷款数额报价，资金需求方在规定时间内，在区块链上选定一家或数家资金供给方，形成信贷合同获得资金。采用区块链技术将贷款申请挂牌信息以及信贷撮合信息写入智能合约，使资金需求方融资需求可以在最短时间内在最大范围内得以传递到资金供给方，并通过竞价方式让资金需求方和资金供给方最大发挥资本的生产效率，减少了传统信息传递方式带来的信息损耗和时间成本。

Description

区块链信贷撮合系统 技术领域
本发明涉及区块链技术领域。
背景技术
目前信贷撮合系统都是在中心服务器进行身份登记以及信息记录，贷款信息以及交易各方的挂牌摘牌信息都存在篡改和丢失的技术性可能，交易各方以及信用评级机构、平台方和其他第三方在数据真实性和完整性上存在信任问题。
技术问题
本发明的目的是使用区块链技术将信贷平台参与各方身份哈希以及信贷申请内容和信贷撮合事件都通过每一步骤的参与方私钥，进行hash签名得到各阶段的哈希值。有效保存了整个撮合系统信息的真实过程，保证了真实性和完整性。
问题的解决方案
技术解决方案
为了解决上述现有技术的不足，本发明提供了一种区块链信息撮合平台。
发明的有益效果
有益效果
信贷平台参与各方需要提供基本身份信息并获得CA中心的实名认证，并在各阶段通过hash签名写入哈希模块。
撮合系统使用区块链技术将信贷平台参与各方身份哈希以及信贷申请内容和信贷撮合事件都通过每一步骤的参与方私钥，进行hash签名得到各阶段的哈希值。
资金需求方将贷款申请内容连同资金需求方的身份哈希通过其私钥进行hash签名得到发起哈希值。
信用评估机构对资金需求方提交的融资需求进行分析后，将信用分析评估报告连同评估机构的身份哈希通过评估机构的私钥进行哈希签名得到信用分析评估哈希值，提交到区块链上后供资金供给方购买或参考。
资金供给各方通过信贷撮合系统选择符合自己风险偏好条件的经过信用分析评 估的贷款申请，进行摘牌，并提交贷款利率报价和贷款金额以及其他相关信息，连同资金供给方的身份哈希通过其私钥进行hash签名形成摘牌哈希值。
资金需求方在选定某个或数个资金供给方提供的信贷意向后，连同资金需求方的身份哈希通过其私钥进行hash签名形成合同哈希值。
对附图的简要说明
附图说明
图1为信贷撮合系统实施例在一笔信贷申请撮合流程上的示意图。
实施该发明的最佳实施例
本发明的最佳实施方式
为使本发明实施例的目的、技术方案和优点更加清楚，下面将结合本发明实施例中的附图，对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。
发明实施例
本发明的实施方式
步骤一：信贷平台参与各方注册系统时提供基本身份信息并获得CA中心的实名认证。
步骤二：资金需求方将贷款申请内容连同资金需求方的身份哈希通过其私钥进行hash签名得到发起哈希值。
步骤三：信用评估机构对资金需求方提交的融资需求进行分析后，将信用分析评估报告连同评估机构的身份哈希通过评估机构的私钥进行哈希签名得到信用分析评估哈希值，提交到区块链上后供资金供给方购买或参考。
步骤四：资金供给各方通过信贷撮合系统选择符合自己风险偏好条件的经过信用分析评估的贷款申请，进行摘牌，并提交贷款利率报价和贷款金额以及其他相关信息，连同资金供给方的身份哈希通过其私钥进行hash签名形成摘牌哈希值。
步骤五：资金需求方在选定某个或数个资金供给方提供的信贷意向后，连同资金需求方的身份哈希通过其私钥进行hash签名形成合同哈希值。
步骤六：资金供给及需求方的报价可根据一定的规则，即时成交，也可以规定一定时间后按对资金需求方最有利的条件成交，成交规则可以写入区块链的智能合约中以便自动执行。
工业实用性
以上对本发明所提供的一种交易记录的方法及系统进行了详细介绍。本文中应用了具体个例对本发明的原理及实施方式进行了阐述，以上实施例的说明只是用于帮助理解本发明的方法及其核心思想。应当指出，对于本技术领域的普通技术人员来说，在不脱离本发明原理的前提下，还可以对本发明进行若干改进和修饰，这些改进和修饰也落入本发明权利要求的保护范围内。

Claims (8)

  1. 区块链信贷撮合系统，其特征在于，资金需求方在区块链上提交贷款申请资料后，由注册的信用评估机构对贷款申请人和申请内容进行评估挂牌，银行、保理公司等资金供给方针对信用评估机构提供的评估挂牌信息在区块链上提供相应的贷款利率及贷款数额报价，资金需求方在规定时间内，在区块链上选定一家或数家资金供给方，形成信贷合同获得资金。
  2. 根据权利要求1所述区块链信息撮合系统，其特征在于，信贷平台参与各方需要提供基本身份信息并获得CA中心的实名认证，并在各阶段通过hash签名写入哈希模块。
  3. 根据权利要求1所述区块链信贷撮合系统，其特征在于，使用区块链技术将信贷平台参与各方身份哈希以及信贷申请内容和信贷撮合事件都通过每一步骤的参与方私钥，进行hash签名得到各阶段的哈希值。
  4. 根据权利要求1所述区块链信贷撮合系统，其特征在于，资金需求方将贷款申请内容连同资金需求方的身份哈希通过其私钥进行hash签名得到发起哈希值。
  5. 根据权利要求1所述区块链信贷撮合系统，其特征在于，信用评估机构对资金需求方提交的融资需求进行分析后，将信用分析评估报告连同评估机构的身份哈希通过评估机构的私钥进行哈希签名得到信用分析评估哈希值，提交到区块链上后供资金供给方购买或参考。
  6. 根据权利要求1所述区块链信贷撮合系统，其特征在于，资金供给各方通过信贷撮合系统选择符合自己风险偏好条件的经过信用分析评估的贷款申请，进行摘牌，并提交贷款利率报价和贷款金额以及其他相关信息，连同资金供给方的身份哈希通过其私钥进行hash签名形成摘牌哈希值。
  7. 根据权利要求1所述区块链信贷撮合系统，其特征在于，资金需求 方在选定某个或数个资金供给方提供的信贷意向后，连同资金需求方的身份哈希通过气私钥进行hash签名形成合同哈希值。
  8. 根据权利要求1所述区块链信贷撮合系统，其特征在于，资金供给及需求方的报价可根据一定的规则，即时成交，也可以规定一定时间后按对资金需求方最有利的条件成交，成交规则可以写入区块链的智能合约中以便自动执行。
PCT/CN2017/094652 2017-07-27 2017-07-27 区块链信贷撮合系统 WO2019019087A1 (zh)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/CN2017/094652 WO2019019087A1 (zh) 2017-07-27 2017-07-27 区块链信贷撮合系统

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2017/094652 WO2019019087A1 (zh) 2017-07-27 2017-07-27 区块链信贷撮合系统

Publications (1)

Publication Number Publication Date
WO2019019087A1 true WO2019019087A1 (zh) 2019-01-31

Family

ID=65040948

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CN2017/094652 WO2019019087A1 (zh) 2017-07-27 2017-07-27 区块链信贷撮合系统

Country Status (1)

Country Link
WO (1) WO2019019087A1 (zh)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110084625A (zh) * 2019-05-07 2019-08-02 国家电网有限公司 一种基于区块链技术的智能征信方法及装置
CN110175831A (zh) * 2019-04-23 2019-08-27 阿里巴巴集团控股有限公司 一种基于区块链的信用转移方法、装置及电子设备
CN112200640A (zh) * 2020-11-06 2021-01-08 国网安徽省电力有限公司信息通信分公司 一种基于区块链智能合约下物资供应自动匹配方法及系统
CN112446794A (zh) * 2020-10-14 2021-03-05 天津航空物流发展有限公司 基于区块链的供应链金融信用评价系统及方法

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104715415A (zh) * 2013-12-13 2015-06-17 徐国良 借贷撮合平台系统
CN105591753A (zh) * 2016-01-13 2016-05-18 杭州复杂美科技有限公司 一种ca证书在区块链上的应用方法
CN106408299A (zh) * 2016-08-31 2017-02-15 江苏买卖网电子商务有限公司 一种基于区块链技术的电子智能签约支付方法
CN106934619A (zh) * 2017-03-13 2017-07-07 杭州复杂美科技有限公司 一种交易记录的方法及系统
CN107133866A (zh) * 2017-04-23 2017-09-05 杭州复杂美科技有限公司 区块链信贷撮合系统

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104715415A (zh) * 2013-12-13 2015-06-17 徐国良 借贷撮合平台系统
CN105591753A (zh) * 2016-01-13 2016-05-18 杭州复杂美科技有限公司 一种ca证书在区块链上的应用方法
CN106408299A (zh) * 2016-08-31 2017-02-15 江苏买卖网电子商务有限公司 一种基于区块链技术的电子智能签约支付方法
CN106934619A (zh) * 2017-03-13 2017-07-07 杭州复杂美科技有限公司 一种交易记录的方法及系统
CN107133866A (zh) * 2017-04-23 2017-09-05 杭州复杂美科技有限公司 区块链信贷撮合系统

Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN110175831A (zh) * 2019-04-23 2019-08-27 阿里巴巴集团控股有限公司 一种基于区块链的信用转移方法、装置及电子设备
CN110175831B (zh) * 2019-04-23 2023-09-29 创新先进技术有限公司 一种基于区块链的信用转移方法、装置及电子设备
CN110084625A (zh) * 2019-05-07 2019-08-02 国家电网有限公司 一种基于区块链技术的智能征信方法及装置
CN112446794A (zh) * 2020-10-14 2021-03-05 天津航空物流发展有限公司 基于区块链的供应链金融信用评价系统及方法
CN112200640A (zh) * 2020-11-06 2021-01-08 国网安徽省电力有限公司信息通信分公司 一种基于区块链智能合约下物资供应自动匹配方法及系统

Similar Documents

Publication Publication Date Title
Hornuf et al. Initial coin offerings, information disclosure, and fraud
CN107133866A (zh) 区块链信贷撮合系统
Huang Online P2P lending and regulatory responses in China: Opportunities and challenges
Seetharaman et al. Impact of Bitcoin as a world currency
US20190095916A1 (en) Systems and methods for a private sector monetary authority
Tiwari et al. The future of raising finance-a new opportunity to commit fraud: a review of initial coin offering (ICOs) scams
WO2019019087A1 (zh) 区块链信贷撮合系统
KR20200054904A (ko) 블록체인 기술을 이용한 매출채권 인증 및 유동화 서비스 시스템 및 방법
CN110765211A (zh) 基于区块链的工程招标管理方法、装置、终端及存储介质
Mulligan From AAA To F: How the credit rating agencies failed America and what can be done to protect investors
WO2021098250A1 (zh) 基于资产数字化凭证的流转支付清算方法及装置和介质
Ainsworth et al. Blockchain, Bitcoin, and VAT in the GCC: the missing trader example
Bose et al. Voluntary markets for carbon offsets: Evolution and lessons for the LNG market
Chen et al. Applying blockchain technology to reshape the service models of supply chain finance for SMEs in China
CN101986341A (zh) 一种有关民间借贷的第三方投资理财管理方法
Johnson et al. (Im) Perfect Regulation: Virtual Currency and Other Digital Assets as Collateral
Ping et al. The theory of internet finance
CN111161068B (zh) 交易要素核对方法以及装置
WO2019019162A1 (zh) 一种基于区块链技术的应收账款融资方法
Nam Impact of cryptocurrencies on financial markets
AU2014228217A1 (en) Systems and methods for a private sector monetary authority
Ha et al. The Progress of PaPerless Trade in asia and The Pacific: enabling inTernaTional suPPly chain inTegraTion
Platt et al. Facilitating the decentralised exchange of cryptocurrencies in an order-driven market
CN113989040A (zh) 资产证券化管理方法及装置
Heng Implications of e-Commerce for Banking and Finance

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 17919047

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 17919047

Country of ref document: EP

Kind code of ref document: A1