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Loan data processing method, device and equipment based on block chain and storage medium

A data processing and block chain technology, applied in the field of block chain, can solve problems such as policy pledge loan business fraud risk

Pending Publication Date: 2019-04-02
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] The embodiment of the present invention provides a blockchain-based loan data processing method, device, computer equipment, and storage medium to solve the problem of fraud risks in the policy pledge loan business

Method used

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  • Loan data processing method, device and equipment based on block chain and storage medium
  • Loan data processing method, device and equipment based on block chain and storage medium
  • Loan data processing method, device and equipment based on block chain and storage medium

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Embodiment Construction

[0032] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0033] The blockchain-based loan data processing method provided by this application can be applied in such as figure 1 An application environment in which a client communicates with a server over a network. Wherein, the client can be but not limited to various personal computers, notebook computers, smart phones, tablet computers and portable wearable devices. The server can be implemented by an independent server or a server cluster composed of mult...

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Abstract

The invention discloses a loan data processing method, device and equipment based on a block chain and a storage medium, which are applied to the technical field of block chains, and are used for solving the problem that insurance policy pledge loan services have fraud risks. The method provided by the invention comprises the following steps of obtaining a purchase contract and a settlement voucher; calling an interface of a preset smart contract on a block chain, and recording the purchase contract and the deposit certificate to the block chain; recording the loan contract for insurance policy, the loaning record information, the repayment information to the block chain; authorizing a credit investigation mechanism through a preset channel on the block chain, wherein the preset channel comprises the supplier, the loan agency and the credit investigation mechanism, so that the credit investigation mechanism records the repayment information of the borrower and updates the credit investigation information of the borrower, the repayment information is generated every time the borrower repays according to the insurance policy loan contract, and the preset channel comprises the supplier, the loan agency and the credit investigation mechanism.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a block chain-based loan data processing method, device, equipment and storage medium. Background technique [0002] In commercial goods transactions, the buyer often has insufficient working capital. In this case, the policy pledge loan business can help the buyer solve the problem of capital turnover. At present, the process of the policy pledge loan business is roughly as follows: after the borrower signs a purchase contract with the supplier, it first pays the deposit to the supplier, and then applies to the lending institution for a policy pledge loan with the purchase contract and other materials. Pay the balance to the supplier. [0003] However, there are many lawbreakers defrauding loans by forging purchase contracts and other materials, which leads to doubts about the authenticity of the policy pledge loan business and the risk of fraud. Contents of the ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 陈凯李建
Owner PING AN TECH (SHENZHEN) CO LTD
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