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Floating mortgage storage financing method and device based on block chain, and electronic equipment

A technology of blockchain and warehousing, applied in the field of blockchain, can solve the problems of high cost of floating mortgage financing, high risk, difficult supervision, etc., and achieve the effect of reducing credit risk, regulating one's own behavior, and ensuring authenticity

Pending Publication Date: 2021-12-28
HUNAN UNIV
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  • Abstract
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  • Claims
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Problems solved by technology

[0008] On the one hand, this application provides a blockchain-based floating mortgage storage financing method to solve the existing technical problems of high floating mortgage financing costs, difficult supervision, low efficiency and high risk

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  • Floating mortgage storage financing method and device based on block chain, and electronic equipment
  • Floating mortgage storage financing method and device based on block chain, and electronic equipment
  • Floating mortgage storage financing method and device based on block chain, and electronic equipment

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Embodiment Construction

[0054] 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.

[0055] For ease of understanding, first explain the technical terms and multi-party nodes involved in the blockchain network in the blockchain-based floating mortgage storage financing method.

[0056] Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computer devices jointly participate in "bookkeeping" and jointly maintain a complete distributed database. Blockchain is a new application model of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm. Broadly speaking, blockchain technology uses block chain data structures to verify and store data, uses...

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Abstract

The invention discloses a floating mortgage storage financing method and device based on a block chain and electronic equipment, wherein the method makes full use of a distributed ledger technology, an asymmetric encryption technology, a smart contract technology, a hash algorithm, a digital signature, a smart contract technology and a black and white list mechanism in the block chain, all important participating nodes in the floating mortgage storage financing process form a chain, and transaction information of all the nodes is recorded on the chain, so that the whole process is open and transparent, the transaction safety and efficiency are improved, the credit problem of all participants is solved, the trust mechanism in international trade is remodeled, all information on the chain has traceability, the transaction cost is greatly saved, and the transaction efficiency is improved.

Description

technical field [0001] The present application relates to the technical field of block chain, in particular, to a method, device and electronic equipment for floating mortgage warehouse financing based on block chain. Background technique [0002] Floating mortgage loan refers to a kind of mortgage loan legally established by an enterprise with all or part of its existing and future property as the subject matter. During its floating period, the mortgagor can dispose of the mortgaged property in normal operation according to law. When a specific event or behavior occurs, the mortgaged property crystallizes into a fixed mortgage, and the mortgagee can have priority in repaying the mortgaged claim. The main feature of a floating charge is that the value of the mortgaged object keeps changing. Only when specific circumstances occur, such as when the borrower defaults, can the value of the mortgaged object be determined. [0003] Currently, floating mortgages have the followin...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38
CPCG06Q20/3825G06Q20/3829G06Q20/389G06Q40/06G06Q40/08G06Q40/03
Inventor 马超群阙文郡周中定李信儒万丽
Owner HUNAN UNIV
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