WO2020056975A1 - 基于区块链的借贷运行方法、系统、服务器及存储介质 - Google Patents

基于区块链的借贷运行方法、系统、服务器及存储介质 Download PDF

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Publication number
WO2020056975A1
WO2020056975A1 PCT/CN2018/123586 CN2018123586W WO2020056975A1 WO 2020056975 A1 WO2020056975 A1 WO 2020056975A1 CN 2018123586 W CN2018123586 W CN 2018123586W WO 2020056975 A1 WO2020056975 A1 WO 2020056975A1
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WIPO (PCT)
Prior art keywords
loan
user
information
contract
credit
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PCT/CN2018/123586
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English (en)
French (fr)
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周琳佳
李建
王翔
莫梁焕
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平安科技（深圳）有限公司
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Publication of WO2020056975A1 publication Critical patent/WO2020056975A1/zh

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    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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
    • G06Q40/08—Insurance

Definitions

  • the present application relates to the field of blockchain technology, and in particular, to a method, a system, a server, and a storage medium for loan operation based on the blockchain.
  • Credit borrowing refers to the form of value movements subject to repayment and interest payments.
  • credit loans on various platforms are in the form of products.
  • Borrowers can consult various products online or offline through consulting services, select the corresponding credit loan products based on repayment and interest payment conditions, and pay the corresponding Consulting fees, information service fees, etc.
  • the borrower obtains the loan-related information through some institutions, submits the relevant information to the lender, and the lender reviews the borrower's information, issues the loan to the borrower after the approval, and conducts post-loan management.
  • the operation of the entire credit borrowing process is cumbersome, time-consuming, and the cost of credit borrowing is high.
  • the purpose of this application is to provide a blockchain-based loan operation method, system, server, and storage medium, which aims to simplify loan operations, shorten the overall loan timeliness, and save users' loan costs.
  • the blockchain-based loan operation method includes:
  • the credit system application of the exchange node receives a transaction request carrying user information and authorization information, and records the user information and authorization information in the blockchain ledger through a smart contract;
  • a third-party authority node performs a credit evaluation on the user based on the user information, and records the credit score after the credit evaluation in the blockchain ledger through a smart contract;
  • the credit system application receives a loan request from a user that carries loan type and demand information. If the user's credit score is greater than or equal to a predetermined credit score, the loan type and demand information is recorded in the block through a smart contract. Chain ledger, and push the loan type and demand information to the insurance company node;
  • the insurance company node After the insurance company node analyzes the loan type and demand information, if it confirms the underwriting, it forms a basic contract based on the user information, credit score and demand information, and the basic contract is reviewed by risk control, and is reviewed After passing, record the basic contract and the information passed through the smart contract into the blockchain ledger through smart contracts;
  • the exchange node forms a formal contract based on the basic contract and the information passed through the review.
  • the formal contract is published in the credit system application, which is reviewed by the funder, and the investment information of the funder is received through the credit system application.
  • the formal contract and the investor's investment information generate a corresponding loan contract, which is recorded on the blockchain ledger through a smart contract;
  • the exchange node records the withdrawal information of the user's withdrawal amount on the blockchain ledger through a smart contract.
  • the present application further provides a server.
  • the server is an exchange node.
  • the server includes a memory and a processor connected to the memory.
  • the memory stores a memory that can be run on the processor.
  • the processing system implements the steps performed by the exchange node when the processing system is executed by the processor.
  • the present application also provides a blockchain-based loan operation system.
  • the blockchain-based loan operation system includes an exchange node, a third-party authority node, an insurance company node, and a supervisor node. :
  • the exchange node is configured to receive a transaction request carrying user information and authorization information in a pre-built blockchain network, and record the user information and authorization information in a blockchain ledger through a smart contract;
  • the third-party authority node is used for credit evaluation of the user based on the user information, and the credit score after the credit evaluation is recorded in the blockchain ledger through a smart contract;
  • the exchange node is further configured to receive a loan request from a user that carries loan type and demand information. If the user's credit score is greater than or equal to a predetermined credit score, the loan type and demand information is recorded in the smart contract through the smart contract. In the blockchain ledger, push the loan type and demand information to the insurance company node;
  • the insurance company node is used to, after analyzing the loan type and demand information, confirm the underwriting, then form a basic contract based on the user information, credit score and demand information, to review the basic contract by risk control, and After the audit is passed, the basic contract and the audited information are recorded in the blockchain ledger through a smart contract;
  • the exchange node is also used to form a formal contract based on the basic contract and the information passed through the review.
  • the formal contract is published in the credit system application, which is reviewed by the funder, and the investment information of the funder is received through the credit system application.
  • the present application also provides a computer-readable storage medium on which a processing system is stored. When the processing system is executed by the processor, the steps performed by the exchange node are implemented.
  • This application builds a blockchain network from nodes of exchanges, third-party authorities, insurance companies, and regulators, all information is recorded on the blockchain, and users apply the credit system provided by the nodes of the exchange After initiating a transaction request in China, after conducting a credit evaluation of the user based on the user information through a third-party authority, the user can initiate a loan request carrying loan type and demand information on the exchange.
  • the insurance company evaluates whether it is underwriting, and the insurance company confirms the underwriting and risk control. After the approval, the exchange forms a formal contract, and the formal contract is issued through the application of the credit system.
  • the funder checks it.
  • this application builds a blockchain network for credit borrowing, provides a secure and credible method of credit borrowing, simplifies loan operations, reduces overall loan timeliness, and saves user loan costs.
  • FIG. 1 is a schematic diagram of an optional application environment of each embodiment of the present application.
  • FIG. 2 is a schematic diagram of a hardware architecture of an embodiment of the server in FIG. 1;
  • FIG. 3 is a schematic flowchart of a first embodiment of a blockchain-based loan operation method of the present application
  • FIG. 4 is a schematic flowchart of a second embodiment of a blockchain-based loan operation method of the present application.
  • FIG. 5 is a schematic flowchart of a third embodiment of a blockchain-based loan operation method of the present application.
  • FIG. 1 is a schematic diagram of an application environment of a preferred embodiment of a blockchain-based loan operation method of the present application.
  • the application environment diagram includes multiple servers 1 and terminal devices 2.
  • the server provided by the exchange serves as an exchange node
  • the server provided by a third-party authority serves as a third-party authority node
  • the server provided by an insurance company serves as an insurance company node
  • the server provided by the supervisor serves as a supervisor node.
  • Each node constitutes a credit loan.
  • Blockchain network can run a credit system application provided by an exchange node.
  • the borrower can register, submit information and initiate a loan request through the menu of the credit system application, and the capitalist can view various loan contracts through the menu of the credit system application to determine whether to make a loan.
  • the server 1 is a device capable of automatically performing numerical calculation and / or information processing according to an instruction set or stored in advance.
  • the server 1 may be a computer, a single network server, a server group composed of multiple network servers, or a cloud composed of a large number of hosts or network servers based on cloud computing.
  • Cloud computing is a type of distributed computing.
  • a super virtual computer made up of a group of loosely coupled computers.
  • the server 1 may include, but is not limited to, a memory 11, a processor 12, and a network interface 13 that can be communicatively connected to each other through a system bus. Running processing system. It should be noted that FIG. 2 only shows the server 1 with components 11-13, but it should be understood that it is not required to implement all the illustrated components, and more or fewer components may be implemented instead.
  • the memory 11 includes a memory and at least one type of readable storage medium.
  • the memory provides a cache for the operation of the server 1;
  • the readable storage medium may be, for example, a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), a random access memory (RAM), and a static random access memory (SRAM) ,
  • Non-volatile storage media such as read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disks, optical disks, etc.
  • the readable storage medium may be an internal storage unit of the server 1, such as a hard disk of the server 1.
  • the non-volatile storage medium may also be an external storage device of the server 1, For example, a plug-in hard disk, a smart memory card (SMC), a secure digital (SD) card, a flash memory card (Flash card), etc. provided on the server 1.
  • the readable storage medium of the memory 11 is generally used to store an operating system and various types of application software installed on the server 1, for example, program codes of a processing system in an embodiment of the present application.
  • the memory 11 can also be used to temporarily store various types of data that have been output or will be output.
  • the processor 12 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or another data processing chip.
  • the processor 12 is generally used to control the overall operations of the server 1, such as performing control and processing related to data interaction or communication with the terminal device 2.
  • the processor 12 is configured to run program code or process data stored in the memory 11, for example, to run a processing system.
  • the network interface 13 may include a wireless network interface or a wired network interface.
  • the network interface 13 is generally used to establish a communication connection between the server 1 and other electronic devices.
  • the network interface 13 is mainly used to connect the server 1 and the terminal device 2 to establish a data transmission channel and a communication connection between the server 1 and the terminal device 2.
  • the processing system is stored in the memory 11 and includes at least one computer-readable instruction stored in the memory 11, which can be executed by the processor 12 to implement the methods of the embodiments of the present application; and
  • the at least one computer-readable instruction may be divided into different logic modules according to different functions implemented by each part thereof.
  • server 1 when the server 1 is used as an exchange node, when the processing system is executed by the processor 12, the following steps are implemented:
  • a formal contract is formed based on the basic contract and the approved information, and the formal contract is released in the application of the credit system for
  • the investor checks and receives the investment information of the investor through the credit system application, generates a corresponding loan contract according to the formal contract and the investment information of the investor, and records the loan contract on the blockchain ledger through a smart contract;
  • the withdrawal information of the user's withdrawal amount is recorded on the blockchain ledger through a smart contract.
  • loan types include non-public interest loans and public interest loans.
  • loan type is a non-profit loan
  • processing system when executed by the processor 12, the following steps are also implemented:
  • loan type is a non-profit loan
  • processing system when executed by the processor 12, the following steps are also implemented:
  • step S2 the method further includes:
  • the exchange node determines the maximum loan amount corresponding to the user's credit score based on the association relationship between the predetermined credit score and the maximum loan amount, and the maximum The loan amount is recorded in the blockchain ledger;
  • step S6 the method further includes:
  • the exchange node reduces the maximum loan amount based on the withdrawn amount, and the reduced maximum loan amount is recorded in the blockchain ledger through a smart contract in;
  • the exchange node restores the user's maximum loan amount, and increases the user's maximum loan amount according to the formal contract and the current repayment information, and the increased maximum loan will be increased through the smart contract.
  • the amount is recorded in the blockchain ledger.
  • nodes of exchanges, third-party authorities, insurance companies, and regulators build a blockchain network. All information is recorded on the blockchain.
  • the user initiates a transaction request in the credit system application provided by the exchange node.
  • the three-party authoritative organization evaluates the user's credit based on the user information
  • the user can initiate a loan request with loan type and demand information on the exchange.
  • the insurance company evaluates whether it is underwriting.
  • Formal contract A formal contract is issued through the application of the credit system.
  • the funder can check it. If the funder determines the investment, a corresponding loan contract is generated based on the formal contract and the investor's investment information. After the loan contract takes effect, the user can withdraw the loan amount on the exchange.
  • This application builds a blockchain network for credit borrowing, provides a secure and credible method of credit borrowing, simplifies loan operations, shortens overall loan timeliness, and saves user loan costs.
  • FIG. 3 is a schematic flowchart of an embodiment of a blockchain-based loan operation method of the present application.
  • the blockchain-based loan operation method It includes the following steps:
  • Step S1 In the pre-built blockchain network, the credit system application of the exchange node receives a transaction request carrying user information and authorization information, and records the user information and authorization information in the blockchain ledger through a smart contract;
  • the user registers in the credit system application of the exchange node, initiates a transaction request to the exchange node, submits user information and authorization information, the user information includes personal basic information, credit asset information that the individual needs to endorse, and the authorization information is the exchange node Information about whether the data is authorized to be used with other nodes in the blockchain.
  • non-private information for example, authorization information
  • private information for example, user information
  • Step S2 The third-party authority node performs a credit evaluation on the user based on the user information, and records the credit score after the credit evaluation in the blockchain ledger through a smart contract;
  • the third-party authority node obtains user information from the blockchain ledger, performs user credit evaluation based on the user information, and provides a basic version of the credit score that determines the user's initial value.
  • the third-party authority node initiates the transaction.
  • the smart contract puts the user's credit score on the chain and records it in the blockchain ledger. All nodes can get this data.
  • the step of the third-party authority node performing a credit evaluation on the user based on the user information includes:
  • Authenticate the user obtain the to-be-verified information of the user with the same ID number in the user information in the public security department, and match the user information with the to-be-verified information for identity verification; if the identity verification passes, then Query the personal credit history of the user, and generate the credit score according to the personal credit history.
  • the ID number, name, gender, family situation, personal occupation information, etc. should be matched one by one, and the user's physiological characteristics information should be matched, for example, using Face recognition technology, by obtaining the user's current face picture and downloading the user's archive picture in the Ministry of Public Security, the two perform two-dimensional face recognition for identity authentication.
  • the credit assets of the user are endorsed by other three-party agencies.
  • the Real Estate Exchange confirms that the user's real estate information is real and valid, and is not mortgaged, and returns the result to the third-party authority node; for another example, if the user is a student, the Ministry of Education endorses the school and student status information of the student, And return the result to the third-party authority node.
  • Step S3 The credit system application receives a loan request from a user that carries loan type and demand information. If the user's credit score is greater than or equal to a predetermined credit score, the loan type and demand information is recorded in the area through a smart contract. Blockchain ledger, and push the loan type and demand information to the insurance company node;
  • loan types include non-profit loans and public welfare loans. Non-profit loans need to be repaid, and non-profit loans do not need to be repaid.
  • the credit score must meet the set requirements to initiate a loan request, and the specific degree is determined by the exchange's risk control department and credit review department.
  • a credit score greater than or equal to a predetermined credit score can initiate a loan request.
  • the maximum loan amount can only be recognized after a credit evaluation. When trading on the exchange, it is not allowed to exceed the maximum loan amount.
  • the exchange node determines the maximum loan amount corresponding to the user's credit score based on the association between the predetermined credit score and the maximum loan amount, and passes the smart contract. Record the maximum loan amount in the blockchain ledger.
  • the user initiates a loan request in the credit system application, and can promise to pay a certain price (interest) within a certain period of time, and use the credit assets to exchange the amount within the quota.
  • the loan demand actually corresponds to various credit evaluation standards. Products that package themselves.
  • the demand information is, for example: Business Owner A, I have a suite in Tianfu Square (Certificate of Endorsement of the Stock Exchange). Due to the turnover of funds, I seek a 200,000 fund for a period of 1 year and provide an annual interest rate of 8 %.
  • the demand information is for example: Student B, I am a college student (endorsement certification by the Ministry of Education), because the family situation is more difficult, seeking a sum of 5,000 funds to pay tuition for 1 year, can not provide interest.
  • step S4 after analyzing the loan type and demand information, the insurance company node, if it confirms the underwriting, forms a basic contract based on the user information, credit score and demand information, so that the basic contract is reviewed by risk control, and After the audit is passed, the basic contract and the audited information are recorded in the blockchain ledger through a smart contract;
  • the insurance company node will periodically scan the blockchain to obtain the loan type and demand information in the new block. After the underwriting is confirmed, a basic contract is formed, and the risk control basic contract is reviewed. After the review is passed, the basic contract and the information passed through the review are recorded in the blockchain.
  • Step S5 The exchange node forms a formal contract based on the basic contract and the information passed through the review, releases the formal contract in the credit system application, the funder checks it, and receives the investment information of the funder through the credit system application. Generate a corresponding loan contract according to the formal contract and the investment information of the owner, and record the loan contract on the blockchain ledger through a smart contract;
  • a formal contract is formed by the exchange node based on the basic contract and the information passed through the review.
  • the formal contract is published in the credit system application, and the investor views or receives the formal contract in the credit system application of the exchange node, and gives the loan result. .
  • the investor If the investor agrees to invest, the investor enters investment information in the credit system application.
  • the investment information includes the basic information of the investor and whether to invest.
  • a corresponding loan contract is generated according to the formal contract and the investment information of the investor.
  • the loan contract includes user information, third-party authority, investment information of the investor, guarantor, loan interest rate, investment interest rate, and other service details.
  • the method further includes: the supervisor node initiates a transaction request for viewing the loan contract, so as to supervise the loan process based on the loan contract to prevent illegal activities.
  • Loan transactions appear.
  • Step S6 If the user withdraws the amount based on the loan contract on the exchange, the exchange node records the withdrawal information of the user's withdrawal amount on the blockchain ledger through a smart contract.
  • the funder recharges through a personal wallet, and the recharged funds are reported to the fund pool through the exchange.
  • the user withdraws the amount of the loan contract through the exchange, and this information is recorded in the blockchain.
  • the blockchain can also give users and capitalists the mining qualification, and during the use of funds, users and capitalists can generate points rewards in the form of mining according to time, funds and other factors.
  • step S107 The credit system application obtains repayment information after receiving the user's on-time repayment request. If the repayment information is consistent with the repayment agreement information recorded in the loan contract, the repayment information is recorded in the smart contract in On the blockchain ledger.
  • the user fulfills the loan contract, and initiates a repayment transaction request in the credit system application of the exchange node on the repayment date.
  • the exchange node receives the request, the user repays the funds according to the loan contract and through the exchange, and the user recharges the funds to Personal wallets are debited from the user's personal wallet by the exchange from time to time, and funds are transferred to the personal wallet of the owner.
  • the exchange When all the user's money is repaid, the exchange generates transaction records, performance records, contract completion records, and information is recorded on the blockchain.
  • the record includes: repayment plan, repayment record, fund allocation details.
  • step S6 the method further includes: step S207, the exchange node
  • the exchange node After receiving an early repayment request initiated by a user, the credit system application obtains repayment information. If the repayment information is consistent with the repayment agreement information recorded in the loan contract, a supplementary agreement is generated, and then the The repayment information and the supplementary agreement are recorded on the blockchain ledger.
  • the exchange node After receiving the request, the exchange node generates a supplementary agreement on the basis of the original loan contract. Among them, the supplementary agreement includes: the amount, date of repayment in advance, and amendments to the repayment plan. When all the user's money is repaid, the exchange generates transaction records, performance records, contract completion records, and information is recorded on the blockchain. Among them, the record includes: repayment plan, repayment record, fund allocation details.
  • the method further includes: if the user withdraws the amount based on the loan contract on the exchange, the exchange node reduces the maximum loan amount based on the withdrawn amount, and intelligently The contract records the reduced maximum loan amount in the blockchain ledger;
  • the exchange node restores the user's maximum loan amount, and increases the user's maximum loan amount according to the formal contract and the current repayment information, and the increased maximum loan will be increased through the smart contract.
  • the amount is recorded in the blockchain ledger.
  • both the user and the capital can prove the improvement of their own credit value through the asset, for example, how much the total capital investment has increased, how much the corresponding credit value has increased; how much the total borrowing amount of the borrower has, and how much the corresponding credit value has improved. .
  • the maximum loan amount increases accordingly.
  • this application uses the nodes of exchanges, third-party authorities, insurance companies, and regulators to build a blockchain network. All information is recorded on the blockchain. Users use the credit system provided by exchange nodes. After initiating a transaction request in China, after conducting a credit evaluation of the user based on the user information through a third-party authority, the user can initiate a loan request carrying loan type and demand information on the exchange. The insurance company evaluates whether it is underwriting, and the insurance company confirms the underwriting and risk control. After the approval, the exchange forms a formal contract, and the formal contract is issued through the application of the credit system. The funder checks it.
  • this application builds a blockchain network for credit borrowing, provides a secure and credible method of credit borrowing, simplifies loan operations, reduces overall loan timeliness, and saves user loan costs.
  • This application also provides a blockchain-based loan operation system, which includes an exchange node, a third-party authority node, an insurance company node, and a supervisor node, wherein:
  • the exchange node is configured to receive a transaction request carrying user information and authorization information in a pre-built blockchain network, and record the user information and authorization information in a blockchain ledger through a smart contract;
  • the third-party authority node is used for credit evaluation of the user based on the user information, and the credit score after the credit evaluation is recorded in the blockchain ledger through a smart contract;
  • the exchange node is further configured to receive a loan request from a user that carries loan type and demand information. If the user's credit score is greater than or equal to a predetermined credit score, the loan type and demand information is recorded in the smart contract through the smart contract. In the blockchain ledger, push the loan type and demand information to the insurance company node;
  • the insurance company node is used to, after analyzing the loan type and demand information, confirm the underwriting, then form a basic contract based on the user information, credit score and demand information, and review the basic contract by risk control, and After the audit is passed, the basic contract and the audited information are recorded in the blockchain ledger through a smart contract;
  • the exchange node is also used to form a formal contract based on the basic contract and the information passed through the review.
  • the formal contract is published in the credit system application, the funder checks it, and receives the investment information of the funder through the credit system application.
  • the present application also provides a computer-readable storage medium on which a processing system is stored.
  • a processing system is executed by a processor, the steps performed by the exchange node are implemented.
  • the methods in the above embodiments can be implemented by means of software plus a necessary universal hardware platform, and of course, also by hardware, but in many cases the former is better.
  • Implementation Based on such an understanding, the technical solution of this application that is essentially or contributes to the existing technology can be embodied in the form of a software product, which is stored in a storage medium (such as ROM / RAM, magnetic disk, The optical disc) includes several instructions for causing a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the methods described in the embodiments of the present application.
  • a terminal device which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.

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Abstract

本申请涉及一种区块链技术，揭露了一种基于区块链的借贷运行方法、系统、服务器及存储介质，该方法包括：在区块链网络中，交易所的信用系统应用接收交易请求，第三方权威机构对用户进行信用评价，信用系统应用接收用户发起的借款请求，若该用户的信用评分大于等于预定的信用评分，则记录贷款类型及需求信息在区块链中；保险公司节点评估是否承保，若承保则形成基础合约，交易所节点基于该基础合约及风控审核通过的信息形成正式合约，发布正式合约，供资方查阅，若资方确定投资，则生成贷款合同，贷款合同生效后用户在交易所提现款额。本申请能够简化贷款操作、缩短整体的贷款时效并节约用户的贷款成本。

Description

基于区块链的借贷运行方法、系统、服务器及存储介质
优先权申明
本申请基于巴黎公约申明享有2018年09月19日递交的申请号为CN201811095270.X、名称为“基于区块链的借贷运行方法、系统、服务器及存储介质”中国专利申请的优先权，该中国专利申请的整体内容以参考的方式结合在本申请中。
技术领域
本申请涉及区块链技术领域，尤其涉及一种基于区块链的借贷运行方法、系统、服务器及存储介质。
背景技术
信贷借款指以偿还和付息为条件的价值运动形式。目前，在各种平台上的信贷借款是以产品的形式出现，借款方可以在线上或线下通过咨询服务咨询各种产品，根据偿还和付息等条件选择相应的信贷借款产品，并支付相应的咨询费、信息服务费等。这个过程中，借款方通过一些机构获取贷款相关资料，提交相关资料至贷款方，贷款方审核借款方的资料，在审核通过后向借款方发放贷款，并进行贷后管理。整个信贷借款过程的操作繁琐、时效较长且信贷借款的成本高。
发明内容
本申请的目的在于提供一种基于区块链的借贷运行方法、系统、服务器及存储介质，旨在简化贷款操作、缩短整体的贷款时效并节约用户的贷款成本。
为实现上述目的，本申请提供一种基于区块链的借贷运行方法，所述基于区块链的借贷运行方法包括：
S1，在预先搭建的区块链网络中，交易所节点的信用系统应用接收携带 用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
S2，第三方权威机构节点基于该用户信息对用户进行信用评价，通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
S3，所述信用系统应用接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
S4，所述保险公司节点在分析该贷款类型及需求信息后，若确认承保，则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
S5，所述交易所节点基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；
S6，若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
为实现上述目的，本申请还提供一种服务器，所述服务器为交易所节点，所述服务器包括存储器及与所述存储器连接的处理器，所述存储器中存储有可在所述处理器上运行的处理系统，所述处理系统被所述处理器执行时实现上述的交易所节点执行的步骤。
为实现上述目的，本申请还提供一种基于区块链的借贷运行系统，所述基于区块链的借贷运行系统包括交易所节点、第三方权威机构节点、保险公司节点及监管方节点，其中：
所述交易所节点，用于在预先搭建的区块链网络中，接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
所述第三方权威机构节点，用于基于该用户信息对用户进行信用评价，通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
所述交易所节点，还用于接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
所述保险公司节点，用于在分析该贷款类型及需求信息后，若确认承保，则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
所述交易所节点，还用于基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；若该用户在交易所提现基于该贷款合同的款额，则将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有处理系统，所述处理系统被所述处理器执行时实现上述的交易所节点执行的步骤。
本申请的有益效果是：本申请由交易所、第三方权威机构、保险公司及监管方的节点搭建区块链网络，所有信息记录在区块链上，用户在交易所节点提供的信用系统应用中发起交易请求，通过第三方权威机构基于用户信息 对用户进行信用评价后，用户可以在交易所发起携带贷款类型及需求信息的借款请求，保险公司评估是否承保，在保险公司确认承保且风控审核通过后，交易所形成正式合约，通过信用系统应用发布正式合约，供资方查阅，如果资方确定投资，则根据该正式合约及资方的投资信息生成相应的贷款合同，贷款合同生效后，用户可在交易所提现贷款款额，本申请构建信贷借款的区块链网络，提供一种安全、可信度高的信贷借款方法，简化贷款操作、缩短整体的贷款时效并节约用户的贷款成本。
附图说明
图1为本申请各个实施例一可选的应用环境示意图；
图2是图1中服务器一实施例的硬件架构的示意图；
图3为本申请基于区块链的借贷运行方法第一实施例的流程示意图；
图4为本申请基于区块链的借贷运行方法第二实施例的流程示意图；
图5为本申请基于区块链的借贷运行方法第三实施例的流程示意图。
具体实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，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，都属于本申请保护的范围。
参阅图1所示，是本申请基于区块链的借贷运行方法的较佳实施例的应用环境示意图。该应用环境示意图包括多个服务器1及终端设备2。交易所提供的服务器作为交易所节点、第三方权威机构提供的服务器作为第三方权威机构节点、保险公司提供的服务器作为保险公司节点、监管方提供的服务 器作为监管方节点，各个节点构成信贷借款的区块链网络。终端设备2中可运行交易所节点提供的信用系统应用。借款方可以通过信用系统应用的菜单中进行注册、提交资料及发起借款请求，资方可以通过信用系统应用的菜单中查看各种贷款合约，以确定是否放款。
所述服务器1是一种能够按照事先设定或者存储的指令，自动进行数值计算和/或信息处理的设备。所述服务器1可以是计算机、也可以是单个网络服务器、多个网络服务器组成的服务器组或者基于云计算的由大量主机或者网络服务器构成的云，其中云计算是分布式计算的一种，由一群松散耦合的计算机集组成的一个超级虚拟计算机。
在本实施例中，如图2所示，服务器1可包括，但不仅限于，可通过系统总线相互通信连接的存储器11、处理器12、网络接口13，存储器11存储有可在处理器12上运行的处理系统。需要指出的是，图2仅示出了具有组件11-13的服务器1，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，存储器11包括内存及至少一种类型的可读存储介质。内存为服务器1的运行提供缓存；可读存储介质可为如闪存、硬盘、多媒体卡、卡型存储器(例如，SD或DX存储器等)、随机访问存储器(RAM)、静态随机访问存储器(SRAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、可编程只读存储器(PROM)、磁性存储器、磁盘、光盘等的非易失性存储介质。在一些实施例中，可读存储介质可以是服务器1的内部存储单元，例如该服务器1的硬盘；在另一些实施例中，该非易失性存储介质也可以是服务器1的外部存储设备，例如服务器1上配备的插接式硬盘，智能存储卡(Smart Media Card,SMC)，安全数字(Secure Digital,SD)卡，闪存卡(Flash Card)等。本实施例中，存储器11的可读存储介质通常用于存储安装于服务器1的操作系统和各类应用软件，例如存储本申请一实施例 中的处理系统的程序代码等。此外，存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
所述处理器12在一些实施例中可以是中央处理器(Central Processing Unit，CPU)、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器12通常用于控制服务器1的总体操作，例如执行与所述终端设备2进行数据交互或者通信相关的控制和处理等。本实施例中，所述处理器12用于运行所述存储器11中存储的程序代码或者处理数据，例如运行处理系统等。
所述网络接口13可包括无线网络接口或有线网络接口，该网络接口13通常用于在所述服务器1与其他电子设备之间建立通信连接。本实施例中，网络接口13主要用于将服务器1与终端设备2相连，在服务器1与终端设备2之间建立数据传输通道和通信连接。
所述处理系统存储在存储器11中，包括至少一个存储在存储器11中的计算机可读指令，该至少一个计算机可读指令可被处理器器12执行，以实现本申请各实施例的方法；以及，该至少一个计算机可读指令依据其各部分所实现的功能不同，可被划为不同的逻辑模块。
在一实施例中，该服务器1作为交易所节点时，上述处理系统被所述处理器12执行时实现如下步骤：
在预先搭建的区块链网络中，接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中，该用户信息供第三方权威机构节点进行信用评价并获得信用评分；
接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
在保险公司基于该用户信息、信用评分及需求信息形成基础合约并由风控审核通过后，基于该基础合约及审核通过的信息形成正式合约，在所述信 用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；
若该用户在交易所提现基于该贷款合同的款额，则将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
进一步地，所述贷款类型包括非公益性贷款及公益性贷款。
进一步地，若所述贷款类型为非公益性贷款，则处理系统被所述处理器12执行时，还实现如下步骤：
在接收用户发起的按时还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则通过智能合约将本次还款信息记录在所述区块链账本上。
进一步地，若所述贷款类型为非公益性贷款，则处理系统被所述处理器12执行时，还实现如下步骤：
在接收用户发起的提前还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则生成补充协议，则通过智能合约将本次还款信息及该补充协议记录在所述区块链账本上。
进一步地，所述步骤S2之后，还包括：
若该用户的信用评分大于等于预定的信用评分，则所述交易所节点基于预定的信用评分与最大贷款金额的关联关系，确定该用户的信用评分对应的最大贷款金额，通过智能合约将该最大贷款金额记录在该区块链账本中；
所述步骤S6之后，还包括：
若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点基于所提现的款额降低所述最大贷款金额，通过智能合约将降低后的最大贷款金额记录在该区块链账本中；
在该用户还款完成后，所述交易所节点恢复该用户的最大贷款金额，并 根据所述正式合约及本次还款信息提高该用户的最大贷款金额，通过智能合约将提高后的最大贷款金额记录在该区块链账本中。
本申请由交易所、第三方权威机构、保险公司及监管方的节点搭建区块链网络，所有信息记录在区块链上，用户在交易所节点提供的信用系统应用中发起交易请求，通过第三方权威机构基于用户信息对用户进行信用评价后，用户可以在交易所发起携带贷款类型及需求信息的借款请求，保险公司评估是否承保，在保险公司确认承保且风控审核通过后，交易所形成正式合约，通过信用系统应用发布正式合约，供资方查阅，如果资方确定投资，则根据该正式合约及资方的投资信息生成相应的贷款合同，贷款合同生效后，用户可在交易所提现贷款款额，本申请构建信贷借款的区块链网络，提供一种安全、可信度高的信贷借款方法，简化贷款操作、缩短整体的贷款时效并节约用户的贷款成本。
本申请还提供一种基于区块链的借贷运行方法，如图3所示，图3为本申请基于区块链的借贷运行方法一实施例的流程示意图，该基于区块链的借贷运行方法包括以下步骤：
步骤S1，在预先搭建的区块链网络中，交易所节点的信用系统应用接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
其中，用户在交易所节点的信用系统应用中注册，向交易所节点发起交易请求，提交用户信息及授权信息，用户信息包括个人基本信息、个人需要背书的信用资产信息，授权信息为交易所节点与区块链中的其他节点两两之间是否授权使用数据的信息。
在本申请的所有实施例中，非隐私信息(例如，授权信息)采用密文上传；隐私信息(例如，用户信息)采用利用私钥加密后记录进区块链账本中。
步骤S2，第三方权威机构节点基于该用户信息对用户进行信用评价， 通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
第三方权威机构节点从区块链账本中得到用户信息，根据用户信息进行用户征信评价，并提供一个基础版信用评分，该信用评分决定用户的初始身价，第三方权威机构节点发起交易，通过智能合约将用户的信用评分上链，记录在区块链账本中，所有节点可以得到该数据。
在一实施例中，为了提高可信度，第三方权威机构节点基于该用户信息对用户进行信用评价的步骤包括：
对用户进行身份验证：获取公安部门中与该用户信息中的身份证号码相同的用户的待验证信息，将该用户信息与该待验证信息进行匹配，以进行身份验证；若身份验证通过，则查询该用户的个人征信纪录，根据该个人征信纪录生成所述信用评分。
其中，将该用户信息与该待验证信息进行匹配时，应将身份证号码、姓名、性别、家庭情况、个人职业信息等进行一一匹配，以及将用户的生理特征信息进行匹配，例如，使用人脸识别技术，通过获取用户当前的人脸图片，并在公安部下载用户的存档图片，两者进行二维人脸识别，以进行身份认证。
其中，在根据该个人征信纪录生成所述信用评分之后，由其他的三方机构对用户的信用资产进行背书。例如，房交所确认用户的房产信息真实有效，且未进行抵押，并返回结果给第三方权威机构节点；又如，若用户为学生，则教育部会对学生所在的学校以及学籍信息进行背书，并返回结果给第三方权威机构节点。
步骤S3，所述信用系统应用接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
其中，贷款类型包括非公益性贷款及公益性贷款。非公益性贷款需要还 款，公益性贷款不需要还款。
其中，信用评分必须满足设定要求才能发起借款请求，具体的程度由交易所的风控部以及信用审核部决定。本实施例中信用评分大于等于预定的信用评分才能发起借款请求。最大贷款金额只有在信用评价之后才能被认可。在交易所挂交易的时候，不允许超出最大贷款金额。
本实施例中，若该用户的信用评分大于等于预定的信用评分，则交易所节点基于预定的信用评分与最大贷款金额的关联关系，确定该用户的信用评分对应的最大贷款金额，通过智能合约将该最大贷款金额记录在该区块链账本中。
其中，用户在信用系统应用发起借款请求，可承诺在一定的时限内，付出一定的代价(利息)，利用信用资产换取额度内的款额，该借款需求实际上对应了各种以信用评价为标准将自身打包的产品。
对于非公益性贷款，需求信息例如为：企业主A，我在天府广场有一套房(房交所背书认证)，因资金周转情况，寻求一笔20万的资金，为期1年，提供年华利率8％。
对于公益性贷款，需求信息例如为：学生B，我是一个在校大学生(教育部背书认证)，因为家庭情况比较困难，寻求一笔5000的资金缴学费，为期1年，无法提供利息。
步骤S4，所述保险公司节点在分析该贷款类型及需求信息后，若确认承保，则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
其中，交易所节点将数据写入区块链后，保险公司节点会定时扫描区块链获取新区块中的贷款类型及需求信息。在确定承保后，形成基础合约，风控基础合约进行审核，审核通过后该基础合约及审核通过的信息记录在区块 链中。
步骤S5，所述交易所节点基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；
其中，由交易所节点基于基础合约及审核通过的信息形成正式合约，该正式合约在所述信用系统应用中发布，资方在交易所节点的信用系统应用中查看或接收正式合约，给出借贷结果。若资方同意投资，则资方在信用系统应用中输入投资信息，该投资信息包括投资人基本信息、是否投资的信息。然后，根据正式合约及资方的投资信息生成相应的贷款合同，贷款合同包括了用户信息、第三方权威机构、资方的投资信息、担保方、借款利率、投资利率及其他服务明细等。
在一实施例中，为了对整个信用贷款的的过程进行监管，还包括：监管方节点发起查看所述贷款合同的交易请求，以对基于所述贷款合同的贷款过程进行监管，防止有不法的贷款交易出现。
步骤S6，若该用户在交易所提现基于该贷款合同的款额，则交易所节点将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
其中，贷款合同生效后，资方通过个人钱包充值，将充值后的资金通过交易所报盘到资金池。用户通过交易所提现贷款合同的款额，这些信息都记录在区块链中。同时区块链还可以赋予用户和资方挖矿资格，并可在资金使用过程中，用户和资方可根据时间、资金等因素以挖矿的形式产生积分奖励。
在一实施例中，在上述实施例的基础上，若所述贷款类型为非公益性贷款，如图4所示，则所述步骤S6之后，还包括：步骤S107，所述交易所节点的信用系统应用在接收用户发起的按时还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则通过智能合约将本 次还款信息记录在所述区块链账本上。
其中，用户履行贷款合同，在还款日在交易所节点的信用系统应用中发起还款交易请求，交易所节点接收到请求后，用户根据贷款合同并通过交易所还款，用户将资金充值到个人钱包，由交易所定时到用户的个人钱包里面进行划扣，将资金划扣至资方的个人钱包。当用户的所有款项还完后，交易所产生交易记录、履约记录、合同完成记录，信息记录至区块链。其中，该记录包括：还款计划、还款记录、资金分配明细。
在另一实施例中，在上述实施例的基础上，若所述贷款类型为非公益性贷款，如图5所示，则所述步骤S6之后，还包括：步骤S207，所述交易所节点的信用系统应用在接收用户发起的提前还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则生成补充协议，则通过智能合约将本次还款信息及该补充协议记录在所述区块链账本上。
本实施例与上一实施例不同的是，用户进行了提前还款，提高应用灵活性。交易所节点接收到请求后，在原有贷款合同的基础上，生成补充协议。其中，补充协议包括：提前还款的金额、日期、对还款计划的修正。当用户的所有款项还完后，交易所产生交易记录、履约记录、合同完成记录，信息记录至区块链。其中，该记录包括：还款计划、还款记录、资金分配明细。
在一实施例中，所述步骤S6之后，还包括：若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点基于所提现的款额降低所述最大贷款金额，通过智能合约将降低后的最大贷款金额记录在该区块链账本中；
在该用户还款完成后，所述交易所节点恢复该用户的最大贷款金额，并根据所述正式合约及本次还款信息提高该用户的最大贷款金额，通过智能合约将提高后的最大贷款金额记录在该区块链账本中。
进一步地，用户及资方都可以通过资产证明自身的信用价值的提升，例如资方投资的总额为多少，对应的信用价值提升了多少；借款方借款的总额 度是多少，对应的信用价值提升了多少。对于借款方来说，如果信用价值提升了，那么最大贷款金额相应也提高了。
与现有技术相比，本申请由交易所、第三方权威机构、保险公司及监管方的节点搭建区块链网络，所有信息记录在区块链上，用户在交易所节点提供的信用系统应用中发起交易请求，通过第三方权威机构基于用户信息对用户进行信用评价后，用户可以在交易所发起携带贷款类型及需求信息的借款请求，保险公司评估是否承保，在保险公司确认承保且风控审核通过后，交易所形成正式合约，通过信用系统应用发布正式合约，供资方查阅，如果资方确定投资，则根据该正式合约及资方的投资信息生成相应的贷款合同，贷款合同生效后，用户可在交易所提现贷款款额，本申请构建信贷借款的区块链网络，提供一种安全、可信度高的信贷借款方法，简化贷款操作、缩短整体的贷款时效并节约用户的贷款成本。
本申请还提供一种基于区块链的借贷运行系统，所述基于区块链的借贷运行系统包括交易所节点、第三方权威机构节点、保险公司节点及监管方节点，其中：
所述交易所节点，用于在预先搭建的区块链网络中，接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
所述第三方权威机构节点，用于基于该用户信息对用户进行信用评价，通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
所述交易所节点，还用于接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
所述保险公司节点，用于在分析该贷款类型及需求信息后，若确认承保， 则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
所述交易所节点，还用于基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；若该用户在交易所提现基于该贷款合同的款额，则将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有处理系统，所述处理系统被处理器执行时实现上述的交易所节点执行的步骤。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质(如ROM/RAM、磁碟、光盘)中，包括若干指令用以使得一台终端设备(可以是手机，计算机，服务器，空调器，或者网络设备等)执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种基于区块链的借贷运行方法，特征在于，所述基于区块链的借贷运行方法包括：
    S1，在预先搭建的区块链网络中，交易所节点的信用系统应用接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
    S2，第三方权威机构节点基于该用户信息对用户进行信用评价，通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
    S3，所述信用系统应用接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
    S4，所述保险公司节点在分析该贷款类型及需求信息后，若确认承保，则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
    S5，所述交易所节点基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；
    S6，若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
  2. 根据权利要求1所述的基于区块链的借贷运行方法，其特征在于，所述贷款类型包括非公益性贷款及公益性贷款。
  3. 根据权利要求2所述的基于区块链的借贷运行方法，其特征在于，若 所述贷款类型为非公益性贷款，则所述步骤S6之后，还包括：
    所述交易所节点的信用系统应用在接收用户发起的按时还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则通过智能合约将本次还款信息记录在所述区块链账本上。
  4. 根据权利要求2所述的基于区块链的借贷运行方法，其特征在于，若所述贷款类型为非公益性贷款，则所述步骤S6之后，还包括：
    所述交易所节点的信用系统应用在接收用户发起的提前还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则生成补充协议，则通过智能合约将本次还款信息及该补充协议记录在所述区块链账本上。
  5. 根据权利要求3所述的基于区块链的借贷运行方法，其特征在于，所述步骤S2之后，还包括：
    若该用户的信用评分大于等于预定的信用评分，则所述交易所节点基于预定的信用评分与最大贷款金额的关联关系，确定该用户的信用评分对应的最大贷款金额，通过智能合约将该最大贷款金额记录在该区块链账本中；
    所述步骤S6之后，还包括：
    若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点基于所提现的款额降低所述最大贷款金额，通过智能合约将降低后的最大贷款金额记录在该区块链账本中；
    在该用户还款完成后，所述交易所节点恢复该用户的最大贷款金额，并根据所述正式合约及本次还款信息提高该用户的最大贷款金额，通过智能合约将提高后的最大贷款金额记录在该区块链账本中。
  6. 根据权利要求4所述的基于区块链的借贷运行方法，其特征在于，所述步骤S2之后，还包括：
    若该用户的信用评分大于等于预定的信用评分，则所述交易所节点基于 预定的信用评分与最大贷款金额的关联关系，确定该用户的信用评分对应的最大贷款金额，通过智能合约将该最大贷款金额记录在该区块链账本中；
    所述步骤S6之后，还包括：
    若该用户在交易所提现基于该贷款合同的款额，则所述交易所节点基于所提现的款额降低所述最大贷款金额，通过智能合约将降低后的最大贷款金额记录在该区块链账本中；
    在该用户还款完成后，所述交易所节点恢复该用户的最大贷款金额，并根据所述正式合约及本次还款信息提高该用户的最大贷款金额，通过智能合约将提高后的最大贷款金额记录在该区块链账本中。
  7. 根据权利要求1所述的基于区块链的借贷运行方法，其特征在于，所述第三方权威机构节点基于该用户信息对用户进行信用评价的步骤，具体包括：
    对用户进行身份验证：获取公安部门中与该用户信息中的身份证号码相同的用户的待验证信息，将该用户信息与该待验证信息进行匹配，以进行身份验证；
    若身份验证通过，则查询该用户的个人征信纪录，根据该个人征信纪录生成所述信用评分。
  8. 根据权利要求2所述的基于区块链的借贷运行方法，其特征在于，所述第三方权威机构节点基于该用户信息对用户进行信用评价的步骤，具体包括：
    对用户进行身份验证：获取公安部门中与该用户信息中的身份证号码相同的用户的待验证信息，将该用户信息与该待验证信息进行匹配，以进行身份验证；
    若身份验证通过，则查询该用户的个人征信纪录，根据该个人征信纪录生成所述信用评分。
  9. 根据权利要求3的基于区块链的借贷运行方法，其特征在于，所述第三方权威机构节点基于该用户信息对用户进行信用评价的步骤，具体包括：
    对用户进行身份验证：获取公安部门中与该用户信息中的身份证号码相同的用户的待验证信息，将该用户信息与该待验证信息进行匹配，以进行身份验证；
    若身份验证通过，则查询该用户的个人征信纪录，根据该个人征信纪录生成所述信用评分。
  10. 根据权利要求4的基于区块链的借贷运行方法，其特征在于，所述第三方权威机构节点基于该用户信息对用户进行信用评价的步骤，具体包括：
    对用户进行身份验证：获取公安部门中与该用户信息中的身份证号码相同的用户的待验证信息，将该用户信息与该待验证信息进行匹配，以进行身份验证；
    若身份验证通过，则查询该用户的个人征信纪录，根据该个人征信纪录生成所述信用评分。
  11. 根据权利要求1所述的基于区块链的借贷运行方法，其特征在于，所述步骤S5之后，还包括：
    监管方节点发起查看所述贷款合同的交易请求，以对基于所述贷款合同的贷款过程进行监管。
  12. 根据权利要求2所述的基于区块链的借贷运行方法，其特征在于，所述步骤S5之后，还包括：
    监管方节点发起查看所述贷款合同的交易请求，以对基于所述贷款合同的贷款过程进行监管。
  13. 根据权利要求3所述的基于区块链的借贷运行方法，其特征在于，所述步骤S5之后，还包括：
    监管方节点发起查看所述贷款合同的交易请求，以对基于所述贷款合同 的贷款过程进行监管。
  14. 根据权利要求4所述的基于区块链的借贷运行方法，其特征在于，所述步骤S5之后，还包括：
    监管方节点发起查看所述贷款合同的交易请求，以对基于所述贷款合同的贷款过程进行监管。
  15. 一种服务器，其特征在于，所述服务器为交易所节点，所述服务器包括存储器及与所述存储器连接的处理器，所述存储器中存储有可在所述处理器上运行的处理系统，所述处理系统被所述处理器执行时实现如权利要求1至14任一项所述的交易所节点执行的步骤。
  16. 一种基于区块链的借贷运行系统，其特征在于，所述基于区块链的借贷运行系统包括交易所节点、第三方权威机构节点、保险公司节点及监管方节点，其中：
    所述交易所节点，用于在预先搭建的区块链网络中，接收携带用户信息及授权信息的交易请求，通过智能合约将该用户信息及授权信息记录在区块链账本中；
    所述第三方权威机构节点，用于基于该用户信息对用户进行信用评价，通过智能合约将进行信用评价后的信用评分记录在该区块链账本中；
    所述交易所节点，还用于接收用户发起的携带贷款类型及需求信息的借款请求，若该用户的信用评分大于等于预定的信用评分，则通过智能合约将该贷款类型及需求信息记录在该区块链账本中，并将该贷款类型及需求信息推送至保险公司节点；
    所述保险公司节点，用于在分析该贷款类型及需求信息后，若确认承保，则基于该用户信息、信用评分及需求信息形成基础合约，以由风控对该基础合约进行审核，并在审核通过后，通过智能合约将该基础合约及审核通过的信息记录至该区块链账本中；
    所述交易所节点，还用于基于该基础合约及审核通过的信息形成正式合约，在所述信用系统应用中发布该正式合约，供资方查阅，并通过所述信用系统应用接收资方的投资信息，根据该正式合约及资方的投资信息生成相应的贷款合同，通过智能合约将该贷款合同记录在所述区块链账本上；若该用户在交易所提现基于该贷款合同的款额，则将该用户提现款额的提现信息通过智能合约记录在所述区块链账本上。
  17. 根据权利要求16所述的基于区块链的借贷运行系统，其特征在于，所述贷款类型包括非公益性贷款及公益性贷款。
  18. 根据权利要求17所述的基于区块链的借贷运行系统，其特征在于，若所述贷款类型为非公益性贷款，则所述交易所节点的信用系统应用还用于，在接收用户发起的按时还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则通过智能合约将本次还款信息记录在所述区块链账本上。
  19. 根据权利要求17所述的基于区块链的借贷运行系统，其特征在于，若所述贷款类型为非公益性贷款，则所述交易所节点的信用系统应用还用于，在接收用户发起的提前还款请求后，获取还款信息，若该还款信息与所述贷款合同中记录的还款约定信息一致，则生成补充协议，则通过智能合约将本次还款信息及该补充协议记录在所述区块链账本上。
  20. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有处理系统，所述处理系统被所述处理器执行时实现如权利要求1至14任一项所述的交易所节点执行的步骤。
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CN113763185A (zh) * 2021-09-10 2021-12-07 支付宝(杭州)信息技术有限公司 基于区块链的用于现金投资的数据处理方法及装置
CN115187360A (zh) * 2022-05-25 2022-10-14 广州玉明科技有限公司 基于区块链和数字金融的业务数据处理方法及系统
CN115187360B (zh) * 2022-05-25 2024-01-02 上海锦咏数据科技有限公司 基于区块链和数字金融的业务数据处理方法及系统
CN116645197A (zh) * 2023-06-05 2023-08-25 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法
CN116645197B (zh) * 2023-06-05 2023-11-03 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法
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