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

A data processing and blockchain technology, applied in the blockchain field, can solve problems such as fraud risk in unsecured loan business

Pending Publication Date: 2019-04-05
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0004] The embodiment of the present invention provides a block chain-based loan data processing method, d

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

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Embodiment Construction

[0031] 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.

[0032] The blockchain-based loan data processing method provided by this application can be applied in such as figure 1 An 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 mult...

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Abstract

The invention discloses a loan data processing method and device based on a block chain, equipment and a storage medium, is applied to the technical field of block chains, and is used for solving theproblem that a mortgage-free loan service has a fraud risk. The method provided by the invention comprises the following steps: after receiving a loan application, authorizing a guarantee agency to check and audit a credit investigation certificate of a loan applicant on a block chain through a preset channel on the block chain; If the verification is passed, obtaining a guarantee protocol signedby a loan applicant and the guarantee mechanism, and recording the guarantee protocol to the block chain; If the guarantee protocol meets the trigger condition,sending a loan application to the loan agency; And recording the non-mortgage loan contract record, the loan record information and the repayment information to the block chain, and authorizing a credit investigation mechanism through a preset channel on the block chain, so that the credit investigation mechanism 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] Most loan businesses require loan applicants to provide asset collateral, but in order to meet the needs of individual customer groups, lending institutions have launched unsecured loan business for loan applicants with good credit qualifications. Loan applicants do not need to provide assets as collateral, only It is necessary to provide information to prove the individual's credit investigation qualifications, and be guaranteed by a guarantee institution, and then you can apply for a loan from the lending institution, and the loan institution can release the loan to the loan applicant after passing the review. [0003] However, the existing unsecured loan business processes are complex, and it is easy for criminals to defraud loans by forging credit ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q10/10
CPCG06Q10/103G06Q40/03
Inventor 陈凯邓敏君
Owner PING AN TECH (SHENZHEN) CO LTD
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