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Lending method based on blockchain data verification service

A data verification and block chain technology, applied in the field of lending based on block chain data verification services, can solve the problem of losing meaning of innovation value, achieve the effect of reducing the degree of damage and ensuring safety

Inactive Publication Date: 2018-02-09
阳光保险集团股份有限公司
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  • Abstract
  • Description
  • Claims
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Problems solved by technology

If the above problems are not solved in a customer-centric way, even if the products and services can attract customers, their innovative value will be meaningless

Method used

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  • Lending method based on blockchain data verification service
  • Lending method based on blockchain data verification service

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Embodiment Construction

[0020] The specific implementation manners of the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. The following examples are used to illustrate the present invention, but are not intended to limit the scope of the present invention.

[0021] The lending method based on block chain data verification service described in a preferred embodiment of the present invention includes:

[0022] The loan user sends an output loan request to the lender, and authorizes the lender to check the user data of the loan user, which is blockchain data;

[0023] The lender sends a request to the third party to check the loan user data according to the authorization;

[0024] The third party uses the user data to run the user insurance data scoring algorithm to score the loan users, and feedback the scoring results to the lender;

[0025] The lender issues a corresponding loan to the loan user according to the scoring resu...

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Abstract

The invention relates to a lending method based on a blockchain data verification service. According to the invention, when a client needs to apply a service actively, a data user is authorized to check whether the transaction data of the data user in a data provider meets service requirements of the data user or not; the data user provides algorithm logic; the data provider executes the algorithmautomatically and provides a verification result; and the data provider provides the service to the client based on the verification result.

Description

technical field [0001] The invention relates to a lending method based on block chain data verification service. Background technique [0002] At present, insurance companies at home and abroad have noticed that customer habits have gradually changed under the influence of emerging technologies, and they are also aware that this change is exerting an impact on the traditional insurance industry. According to the survey, 86% of insurance companies around the world believe that in order to maintain a competitive advantage, they must accelerate the pace of innovation; 96% of insurance companies believe that the digital economy is driving the transformation of the insurance industry, and building a digital ecosystem is the key to their success. [0003] As the trend of digitalization continues to spread, insurance companies should actively respond to the above challenges, find a suitable technology to generate data for innovation, and attract customers with innovative digital ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04G06Q40/08
CPCG06Q40/04G06Q40/08G06Q40/03
Inventor 陈华张博汤文超王云山邓侃丁喆赵静蒋海王璟曹阳任雪萍徐维辰
Owner 阳光保险集团股份有限公司
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