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Privacy information protected repayment method and system, equipment and storage medium

A private information and protected technology, applied in the blockchain field, can solve the problems of leakage of private information of both borrowers and lenders, lack of privacy protection of both borrowers and lenders, and clear instructions on the protection of private information of both lenders and borrowers, so as to achieve the goal of protecting personal privacy information Effect

Active Publication Date: 2019-08-02
HANGZHOU FUZAMEI TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This invention does not protect the privacy of both borrowers and lenders. On the open blockchain system, everyone can view the loan transaction, resulting in the leakage of private information of both borrowers and lenders, and there is no clear protection of the privacy information of both borrowers and lenders during the repayment process. It shows that there is still a situation where the private information of both borrowers and lenders is leaked

Method used

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  • Privacy information protected repayment method and system, equipment and storage medium
  • Privacy information protected repayment method and system, equipment and storage medium
  • Privacy information protected repayment method and system, equipment and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0045] A repayment method with privacy information protected, such as figure 1 As shown, the steps are:

[0046] A1. Initiate a repayment transaction;

[0047] A2. Calculate the interest payable and repay the principal according to the repayment amount applied in the repayment transaction;

[0048] A3. Freeze the sum of interest payable and repayment principal in the credit account;

[0049] A4. Determine whether the freezing is successful;

[0050] A5. If the freeze is successful, transfer the frozen part of the lender to the debit account; obtain the lender's private information ciphertext m1 and m2 from the loan record, and generate a repayment certificate for the lender's repayment; write the repayment certificate into the zone in the block chain;

[0051] A6. If the freeze fails, obtain the lender's private information ciphertext m1 and m2 from the loan record, as well as the content of the loan transaction, for reminder or rights protection.

[0052] Wherein, the lo...

Embodiment 2

[0092] A repayment system with protected private information, according to a repayment method with protected private information described in Embodiment 1, such as Figure 7 As shown, it includes a contract unit, a repayment transaction initiation unit; the repayment transaction initiation unit is used to initiate a repayment transaction; the contract unit is used to determine whether it is an early repayment transaction or a due repayment transaction;

[0093] According to the repayment amount applied in the repayment transaction, calculate the interest payable, repay the principal, and freeze the sum of the interest payable and repayment principal in the lender's account;

[0094] After the freeze is successful, transfer the frozen part of the lender to the debit account; obtain the lender's private information ciphertext m1 and m2 from the loan record, and generate a repayment certificate for the lender's repayment; write the repayment certificate into the block chain;

[...

Embodiment 3

[0105] An apparatus comprising: one or more processors; memory for storing one or more programs which, when executed by the one or more processors, cause the One or more processors execute the method as described above.

[0106] A storage medium storing a computer program, when the program is executed by a processor, implements the method described in Embodiment 1 above.

[0107] Figure 8 It is a schematic structural diagram of a device provided by an embodiment of the present invention.

[0108] Such as Figure 8As shown, as another aspect, the present application also provides a device 500, including one or more central processing units (CPU) 501, which can be 508 programs loaded into random access memory (RAM) 503 to execute various appropriate actions and processes. In the RAM 503, various programs and data necessary for the operation of the device 500 are also stored. The CPU 501 , ROM 502 , and RAM 503 are connected to each other via a bus 504 . An input / output (I...

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Abstract

The invention discloses a privacy information protected repayment method and system, equipment and a storage medium in the technical field of block chains. The method comprises the following steps ofinitiating a repayment transaction, calculating payable interest and repayment income according to the repayment limit applied in the repayment transaction, freezing the sum of the payable interest and the repayment income in the creditor account, and judging whether freezing is successful or not; if the credit is frozen successfully, transferring the money of the frozen part of the credit to theaccount of the borrower; writing the repayment proof into the block chain; and if the freezing fails, acquiring privacy information ciphertext m1 and m2 of the creditor and the content of the loan transaction from the loan record and are used for reminding or rights protection. Privacy information of borrowers and lenders on an open block chain system is easy to leak. The identity information of the repayment person can be protected, the real identity information of the borrower can be obtained through decryption when the repayment is not carried out due to overdue conditions, and the real identity information and the corresponding borrowing information are used as evidence for later legal right protection.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a repayment method, system, equipment and storage medium in which private information is protected. Background technique [0002] In the network P2P lending system, in the peer-to-peer solution, the borrower and the lender will match each other, and the borrower and the lender need to communicate, and both parties agree on the loan interest rate, maturity time, collateral, etc. [0003] In the existing blockchain-based lending system patent application scheme, either there is no public chain that protects the private information of the lender, or even in the quasi-consortium chain scheme that protects part of the information, there is no realization of the blockchain lending results. Consensus is not a blockchain system in the true sense. It cannot use the anti-tampering feature of the blockchain system to protect the rights and interests of the private information o...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F21/62G06Q20/38G06Q40/02
CPCG06F21/6245G06Q20/383G06Q40/02
Inventor 何正军吴思进王志文
Owner HANGZHOU FUZAMEI TECH CO LTD
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