Electronic contract order pledge loan method and device based on smart contract

An electronic contract and smart contract technology, applied in the fields of instruments, finance, digital data protection, etc., can solve the problems of high non-performing loan rate, difficulty in the actual implementation of order-pledged loans, non-standard order contracts, etc., to reduce human influence and reduce trust. cost, the effect of solving mutual trust

Pending Publication Date: 2020-05-08
INSPUR ARTIFICIAL INTELLIGENCE RES INST CO LTD SHANDONG CHINA
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Problems solved by technology

[0005] The embodiment of this application provides an electronic contract order pledge loan method and equipment based on smart contracts, which are used to solve the following technical problems in the prior art: the existing order pledge loan method has problems such as non-standard order contracts and high non-performing loan ratios , which brings difficulties to the actual implementation of the order pledge loan

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  • Electronic contract order pledge loan method and device based on smart contract
  • Electronic contract order pledge loan method and device based on smart contract
  • Electronic contract order pledge loan method and device based on smart contract

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[0033] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with specific embodiments of the present application and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of the present application.

[0034] The technical solutions provided by various embodiments of the present application will be described in detail below in conjunction with the accompanying drawings.

[0035] figure 1 A schematic diagram of the node composition of the blockchain network of the smart contract-based electronic contract order pledge loan provided by the embod...

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Abstract

The invention discloses an electronic contract order pledge loan method and device based on a smart contract, and aims to solve the problems that an existing order pledge loan method is nonstandard inorder contract, high in bad loan rate and the like, and brings difficulty to actual implementation of order pledge loan. The blockchain network comprises a plurality of nodes, including a buyer node,a seller node and a financial institution node. The financial institution node receives a loan request sent by a seller node based on a pre-signed electronic contract order, and the electronic contract order comprises digital signatures made by the seller node and the buyer node based on digital certificates of the seller node and the buyer node respectively; based on a preset intelligent contract, the loan request is audited; and whether to issue a loan to the seller node or not is determined according to an audit result of the audit. By constructing a block chain network, identity authentication is carried out on each node, mutual trust among the nodes is guaranteed, and meanwhile, the security of communication data is guaranteed.

Description

technical field [0001] This application relates to the technical field of resource allocation, and in particular to a smart contract-based electronic contract order pledge loan method and equipment. Background technique [0002] Order Pledge Loan refers to a short-term working capital loan issued to the seller by a financial institution that takes the order provided by the seller as a pledge, the buyer provides a guarantee and promises to assist in recovery, and takes the expected payment corresponding to the order as the main source of repayment. [0003] For enterprises, especially small and medium-sized enterprises and individual industrial and commercial households, their scale is small, and the investment cost in information collection and market analysis is small. The development of enterprises is vulnerable to economic prosperity, financial environment, and industry changes. factors. This has brought challenges to the stable operation of enterprises, and also led to ...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F21/64
CPCG06F21/64G06Q40/03
Inventor 孙善宝罗清彩金长新谭强徐驰于玲
Owner INSPUR ARTIFICIAL INTELLIGENCE RES INST CO LTD SHANDONG CHINA
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