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

A data processing and blockchain technology, applied in the blockchain field, can solve problems such as real estate mortgage loan business fraud

Pending Publication Date: 2019-02-12
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a block chain-based loan data processing method, device, computer equipment, and storage medium to solve the problem of fraud risk in the real estate mortgage loan business

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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

[0037] 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.

[0038] The blockchain-based loan data processing method provided by this application can be applied in such as figure 1An 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 multi...

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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 in the technical field of the block chain and are used for solving the problem of fraud risk existing in a real estate mortgage loan business. The method provided by the invention comprises the following steps of after obtaining the property certificate information, recording the property certificate information into the block chain; submitting the property certification information to the real estate exchange for verification, and obtaining the property certification results; if the verification is passed, recording the property verification result to the block chain; obtaining the mortgage contract and linking it up; obtaining and uploading the evaluation and credit granting results uploaded by the guarantee institution; if the loan triggering conditions are met, issuing a loan application to the lending institution; recording the loan contract, loan record information and repayment information to the block chain, and authorizing the credit information to the credit investigation organization through a preset channel on the block chain, so that the credit investigation organization records the repayment information of the loan applicant and updates the credit investigation information of the loan applicant.

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] As a bulk commodity, real estate has good investment attributes and can be treated as the owner's assets. For example, real estate can be mortgaged for bank loans. At present, the process of real estate mortgage loan business is relatively cumbersome. The loan applicant needs to provide a real estate certificate to the real estate exchange for real estate verification. After the verification is passed, the loan applicant will mortgage the real estate to the guarantee institution, and the guarantee institution will evaluate and grant credit before submitting the loan application To the bank, the bank will release the loan to the loan applicant after reviewing the loan application. [0003] However, the existing real estate mortgage loan business has ma...

Claims

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Application Information

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