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Small micro-loan transaction system and transaction method based on alliance chain

A trading system and alliance technology, applied in the field of small and micro loan transactions, can solve the problems of effective modeling of difficult customer data, difficult customers, and high cost, and achieve the effect of speeding up settlement and transfer time, reducing entry barriers, and improving efficiency.

Inactive Publication Date: 2018-12-21
ZHEJIANG UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Due to the small amount of small and micro loans, but the high cost, some customers are unacceptable and give up services; due to the non-sharing of data among institutions, it is difficult to effectively model customer data and select customers; some technology companies lack relevant resources It is difficult to participate in the industry and improve the efficiency of the industry

Method used

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  • Small micro-loan transaction system and transaction method based on alliance chain
  • Small micro-loan transaction system and transaction method based on alliance chain

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Embodiment Construction

[0036] The present invention will be described in detail below according to the accompanying drawings and preferred embodiments, and the purpose and effect of the present invention will become clearer. The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0037] The invention is applied in the background of alliance chain technology, which can solve the problem of non-sharing of credit information among various financial institutions in the traditional situation, clarify the division of labor in the credit transaction process, and reduce the cost of small and micro loans by improving the efficiency of division of labor.

[0038] A small and micro loan transaction system based on the alliance chain, including:

[0039] The underlying blockchain platform ...

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Abstract

The invention discloses a small micro-loan transaction system and a transaction method based on a coalition chain, the system runs on the bottom of the block chain platform, and its basic support module provides transaction information supervision for the transaction system. The transaction system also includes an account management module, a credit information input module, a demand release module, a credit rating module, an asset transaction module and a record storage module. The small micro-loan transaction system and the transaction method of the invention solve the problem that the credit information is not shared among various financial institutions, clarify the division of labor in the credit transaction process, improve the division efficiency, reduce the cost of the small micro-loan, and realize the smooth operation of the small micro-loan mode.

Description

technical field [0001] The invention relates to the field of small and micro loan transactions, in particular to a small and micro loan transaction system and transaction method based on an alliance chain. Background technique [0002] Blockchain technology, blockchain is a new type of decentralized information technology, which can safely store digital transactions or other data, and the information cannot be forged and tampered with. It is the underlying technology of digital currencies such as Bitcoin and Ethereum. The transaction confirmation on the blockchain is completed by the consensus of all nodes on the blockchain, and after the consensus is successful, it is packaged and written into the block. The blockchain maintains a public account book, which is used to store all transactions on the blockchain network. Any node of the public account book located on the storage block is a complete copy, so as to ensure that it cannot be forged and tampered with, and realizes i...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 蔡亮梁秀波叶伟毅
Owner ZHEJIANG UNIV
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