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Guarantee credit financing program based on blockchain

A blockchain and guarantor technology, applied in the blockchain field, can solve problems such as high cost, inconvenient verification, and low efficiency, and achieve the effect of ensuring authenticity and integrity

Inactive Publication Date: 2017-08-11
HANGZHOU FUZAMEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
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  • Application Information

AI Technical Summary

Problems solved by technology

[0002] The current credit financing guarantee business requires the capital demander, the credit financing guarantor, and the capital demander to sign a contract to determine the credit financing guarantee amount. During the execution of the business, the three parties need to record the historical loan records and the remaining amount. Convenience, high efficiency and low cost, so it is necessary to upgrade and replace it with a new recording method that is technically non-tamperable and recognized by many parties

Method used

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  • Guarantee credit financing program based on blockchain

Examples

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Embodiment 1

[0016] Embodiment 1, with reference to attached figure 1 , this example further explains the blockchain-based secured credit financing scheme.

[0017] The steps of guaranteed credit financing are as follows:

[0018] Step S1, the fund demander submits an application for a financing quota and writes it into the blockchain;

[0019] Step S2, the credit financing company will agree to write the maximum amount of guarantee for the capital demander into the blockchain;

[0020] In step S3, the capital supplier finally determines the credit financing amount of the capital demander, and issues coins corresponding to the credit financing amount (herein referred to as financing currency) to be paid to the capital demander as the maximum amount of credit financing;

[0021] Step S4, the fund demander sends the financing currency to the public key address of the fund supplier, and the fund supplier will deposit the digital currency or RMB into the corresponding account of the fund dem...

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Abstract

The invention discloses a guarantee credit financing scheme based on block chain technology, which adds block chain technology to the existing guarantee credit financing plan, and records all credit line contracts, historical loan records, remaining credit line, etc. in the On the blockchain, with the help of distributed encrypted records and non-tamperable modification of blockchain technology, the guarantee credit line of all parties involved can be verified in real time, improving efficiency and reducing costs.

Description

technical field [0001] The present invention relates to the technical field of blockchain. Background technique [0002] The current credit financing guarantee business requires the capital demander, the credit financing guarantor, and the capital demander to sign a contract to determine the credit financing guarantee amount. In the process of executing the business, the three parties need to record the historical loan records and the remaining amount. It is convenient, efficient and low-cost, so it needs to be upgraded and replaced with a new recording method that is technically non-tamperable and recognized by many parties. Contents of the invention [0003] In order to overcome the deficiencies of the above-mentioned prior art, the present invention provides a guarantee credit financing scheme based on blockchain technology to solve the problems of integrity and authenticity in the preservation and updating of information records of guarantee credit financing. [0004]...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/06
CPCG06Q40/06
Inventor 吴思进
Owner HANGZHOU FUZAMEI TECH CO LTD
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