A block chain advance payment financing method

A block chain and prepayment technology, applied in the field of data processing, can solve the problems of difficult, difficult and cumbersome loans for consumers, and achieve the effect of improving purchasing power, improving sales, and facilitating financing

Inactive Publication Date: 2019-05-17
HANGZHOU FUZAMEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The funder reviews the creditworthiness and various conditions of consumers and merchants, and dare not lend money lightly; only after the prepayment financing review is successful, the funder will lend to consumers. The process of prepayment financing is very cumbersome, which makes it difficult for consumers to get loans It is difficult for consumers to get loans, and the purchasing power of consumers decreases, which directly reduces the sales of merchants' goods

Method used

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  • A block chain advance payment financing method
  • A block chain advance payment financing method
  • A block chain advance payment financing method

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Embodiment Construction

[0028] The application 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 related inventions, rather than to limit the invention. It should also be noted that, for ease of description, only parts related to the invention are shown in the drawings.

[0029] It should be noted that, in the case of no conflict, the embodiments in the present application and the features in the embodiments can be combined with each other. The present application will be described in detail below with reference to the accompanying drawings and embodiments.

[0030] figure 1 It is a schematic diagram of an advance payment financing scenario in an embodiment of the present invention. Such as figure 1 As shown, in this embodiment, the blockchain system 200 provides prepayment financing services for the consumer 400 by allocating different tokens to the...

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Abstract

The invention discloses a block chain advance payment financing method. A borrowing token is configured for a consumer terminal; the commodity tokens are configured for the merchant terminal, the fundtokens are configured for the consumer terminal and the fund party terminal; and the three tokens are flexibly exchanged in the block chain system to realize the value exchange among consumers, capital parties and merchants, so that the financing of the consumers is simple and convenient, the purchasing power of the consumers is improved, the sales strength of merchants is improved, and the virtuous circle of capital chains of the consumers, the capital parties and the merchants is promoted.

Description

technical field [0001] The invention relates to the technical field of data processing, and relates to a blockchain prepayment financing method. Background technique [0002] In the traditional prepayment financing method, if consumers want to carry out prepayment financing, they first need to sign an IOU with the merchant. After receiving the IOU, the consumer can then apply for prepayment financing from the funder. The funder reviews the creditworthiness and various conditions of consumers and merchants, and dare not lend money lightly; only after the prepayment financing review is successful, the funder will lend to consumers. The process of prepayment financing is very cumbersome, which makes it difficult for consumers to get loans It is difficult for consumers to get loans, and the purchasing power of consumers decreases, which directly reduces the sales of merchants' goods. [0003] To sum up, it is currently necessary to provide a technical solution to improve the pu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/28G06Q20/38G06Q40/02
Inventor 吴思进王志文
Owner HANGZHOU FUZAMEI TECH CO LTD
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