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Block-chain-based lending and borrowing operation method, system, server and storage medium

An operation method and blockchain technology, applied in the blockchain field, can solve the problems of high cost of credit borrowing, cumbersome operation, and long time limit, and achieve the effect of simplifying loan operations, high credibility, and saving loan costs

Active Publication Date: 2019-03-22
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The operation of the whole credit borrowing process is cumbersome, time-consuming and the cost of credit borrowing is high

Method used

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  • Block-chain-based lending and borrowing operation method, system, server and storage medium
  • Block-chain-based lending and borrowing operation method, system, server and storage medium
  • Block-chain-based lending and borrowing operation method, system, server and storage medium

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Embodiment Construction

[0040] In order to make the object, technical solution and advantages of the present invention 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. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0041] It should be noted that the descriptions involving "first", "second", etc. in the present invention are only for descriptive purposes, and should not be understood as indicating or implying their relative importance or implicitly indicating the number of indicated technical features . Thus, the features defined as "first" and "second" may explicitly or implicitly include at least one...

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Abstract

The invention relates to technology of block chain and discloses A debit and credit operation method based on block chain and system, server and storage medium, The method comprises the following steps: in a block chain network, a credit system application of an exchange receives a transaction request, a third-party authority evaluates the credit of the user, and the credit system application receives a loan request initiated by the user. If the credit score of the user is greater than or equal to a predetermined credit score, the loan type and demand information are recorded in the block chain; and if the credit score of the user is greater than or equal to a predetermined credit score, the loan type and demand information are recorded in the block chain. The node of the insurance companyevaluates whether or not the insurance is underwritten. If the insurance is underwritten, the basic contract is formed. The node of the exchange generates a formal contract based on the basic contract and the information approved by the risk control review, releases the formal contract for the management to consult. If the management determines to invest, the loan contract is generated. After theloan contract becomes effective, the user withdraws the amount in the exchange. The invention can simplify the loan operation, shorten the overall loan efficiency and save the loan cost of the user.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a block chain-based lending operation method, system, server and storage medium. Background technique [0002] Credit borrowing refers to the form of value movement conditional on repayment and interest payment. At present, credit loans on various platforms appear in the form of products. Borrowers can consult various products through consulting services online or offline, select corresponding credit loan products according to conditions such as repayment and interest payment, and pay corresponding Consulting fees, information service fees, etc. In this process, the borrower obtains loan-related information through some institutions, submits the relevant information to the lender, and the lender reviews the borrower's information, and after the approval, grants the loan to the borrower and performs post-loan management. The operation of the whole credit borrowing p...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/08
CPCG06Q40/08G06Q40/03
Inventor 周琳佳李建王翔莫梁焕
Owner PING AN TECH (SHENZHEN) CO LTD
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