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Loan approval method and device based on block chain, storage medium and electronic equipment

A blockchain and loan technology, applied in computer-readable storage media and electronic equipment, and in the field of blockchain-based loan approval devices, can solve problems such as low credibility, high fraud risk, and easy tampering of credit records , to achieve the effect of reducing loan risk and bad debt rate

Inactive Publication Date: 2019-03-15
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Due to the lack of a widely shared credit evaluation system for loan managers in the existing technology, it is impossible to provide reliable credit ratings for loan managers
Moreover, even if a loan manager blacklist is established on the loan platform, it can only restrict loan managers from committing fraudulent behavior on a few loan platforms that have reached a consensus, and cannot prevent managers who maliciously defraud loans from operating among multiple loan platforms. Roaming to commit crimes
In addition, the credit records of existing loan managers are easy to be tampered with, the credibility is not high, and there is still a high risk of fraud

Method used

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  • Loan approval method and device based on block chain, storage medium and electronic equipment
  • Loan approval method and device based on block chain, storage medium and electronic equipment
  • Loan approval method and device based on block chain, storage medium and electronic equipment

Examples

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Embodiment Construction

[0057] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments.

[0058] Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus repeated descriptions thereof will be omitted. Some of the block diagrams shown in the drawings are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities...

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Abstract

The invention relates to a loan approval method and device based on a block chain, a storage medium and electronic equipment. The loan approval method based on the block chain in the embodiment of theinvention is applied to a block chain network storing credit authentication information of a loan manager. The loan approval method comprises the following steps: receiving a loan approval request sent by the loan manager; Obtaining identity authentication information of the loan manager from the loan approval request; Credit authentication information associated with the identity authenticationinformation is acquired from the block chain network; And generating loan approval information according to the credit authentication information, wherein the loan approval information comprises a loan approval result for the loan approval request. The identity authentication information of the loan manager is stored by using the block chain technology, the loan approval evidence can be provided for the financial institution, the loan application with the fraud risk can be conveniently identified, the loan risk is reduced, and the bad account rate is reduced.

Description

technical field [0001] The present disclosure relates to the field of computer technology, and in particular to a blockchain-based loan approval method, a blockchain-based loan approval device, a computer-readable storage medium, and electronic equipment. Background technique [0002] Loan managers are business personnel serving the loan platform. Their main job is to assist loan applicants to submit application information to the loan platform, thereby completing the approval and issuance of loans. Due to the lack of a widely shared credit evaluation system for loan managers in the prior art, reliable credit ratings for loan managers cannot be performed. Moreover, even if a loan manager blacklist is established on the loan platform, it can only restrict loan managers from committing fraudulent behavior on a few loan platforms that have reached a consensus, and cannot prevent managers who maliciously defraud loans from operating among multiple loan platforms. Roaming to com...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/38
CPCG06Q20/3825G06Q20/3827G06Q40/03
Inventor 张起王俊涛邱寒
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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