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Personal loan processing method and system based on digital identity, equipment and medium

A processing method and digital identity technology, applied in the direction of electronic digital data processing, data processing applications, digital data protection, etc., can solve the problems of easy falsification of data, easy leakage of personal privacy, low audit efficiency, etc., to ensure authenticity and effectiveness simplifies the process of issuing and reviewing materials by the bank, and improves the efficiency of personal loans

Pending Publication Date: 2021-06-11
HUNAN UNIV
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0004] The present invention provides a digital identity-based personal loan processing method, system, device, and computer-readable storage medium to solve the problems of cumbersome application procedures for certification materials, easy falsification of data, and easy disclosure of personal loans in traditional personal loan processing methods. Technical issues of low privacy and review efficiency

Method used

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  • Personal loan processing method and system based on digital identity, equipment and medium
  • Personal loan processing method and system based on digital identity, equipment and medium
  • Personal loan processing method and system based on digital identity, equipment and medium

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Embodiment Construction

[0062] The embodiments of the present invention will be described in detail below with reference to the accompanying drawings, but the present invention can be implemented in various ways defined and covered below.

[0063] Such as figure 1 As shown, the preferred embodiment of the present invention provides a digital identity-based personal loan processing method, including the following steps:

[0064] Step S1: The loan applicant node queries the proof materials required for applying for a loan on the blockchain, and after applying for proof materials from each node on the blockchain, generates application materials according to the loan application data template provided by the bank node;

[0065] Step S2: The bank node and the loan applicant node establish a secure communication channel based on DID;

[0066] Step S3: The bank node reviews the application materials submitted by the loan applicant node;

[0067] Step S4: After passing the review, the bank node provides a ...

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Abstract

The invention discloses a personal loan processing method and system based on a digital identity, equipment and a medium, and the method combines a distributed account book technology, a cryptology principle, a DID identifier and other contents, simplifies a certification material issuing process and a bank material auditing process, improves the personal loan efficiency, and improves the personal loan efficiency. And the authenticity and effectiveness of the applied material are ensured. Meanwhile, a new identity management method is provided based on the DID identifier, and the problems that identity data is associated, identity privacy is leaked and the like are avoided.

Description

technical field [0001] The present invention relates to the technical field of personal loan processing, in particular, to a digital identity-based personal loan processing method, system, device, and computer-readable storage medium. Background technique [0002] Personal loans refer to local and foreign currency loans issued by banks or other financial institutions to natural persons who meet the loan conditions for personal consumption, production and operation. The existing personal loan processing process is: the loan applicant submits a loan application to the bank; the loan applicant prepares application materials, which need to include the loan applicant's personal information and its repayment ability, such as work certificates, identity certificates, income The source certificate, etc.; the loan applicant submits the application materials to the bank; the bank reviews the submitted application materials; the bank grants the loan after the review is passed. [0003...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/10G06Q10/10G06F21/60G06F21/62G06F21/64
CPCG06Q20/102G06Q10/103G06F21/602G06F21/6245G06F21/64G06Q40/03
Inventor 马超群王一然周中定李信儒兰秋军万丽
Owner HUNAN UNIV
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