Block chain transaction system and method based on credit value credit
A transaction system and credit value technology, applied in the field of blockchain, can solve problems such as increasing the cost of capital transactions, slowing down the efficiency of system operation, and failing to establish a credit mechanism, so as to improve credit value, improve trust, and avoid excessive consumption.
Pending Publication Date: 2022-03-11
CHANGCHUN INST OF TECH
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Problems solved by technology
The information asymmetry between the two parties in the financial market makes it impossible to establish an effective credit mechanism. There are a large number of centralized credit intermediaries and information intermediaries in the industrial chain, which slows down the efficiency of the system and increases the cost of capital transactions.
Method used
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Embodiment 1
[0121] User A enters the expected loan amount of 50, and the system obtains user A's user assets, user loan records, and user credit value. The user asset amount is 100, and the user loan records include the loan amount array B=[80, 90, 95, 100] , actual repayment date array C=[7, 8, 9, 12], contract repayment date array D=[9, 8, 5, 5];
[0122] Calculate the average borrowing amount of users Calculate the user's single transaction credit value Q1=7-9=-2, EE1=100; Q2=8-8=0, EE2=90; Q3=9-5=4, EE3=50; Q4=12-5 =7, EE4=20; calculate user credit value Calculate the user's repayment efficiency difference, for example, the approximate repayment efficiency difference ratio is The prepayment efficiency difference ratio is The difference ratio of delayed repayment efficiency is Since the repayment efficiency difference threshold is Therefore, the user's loan amount will be reduced by 5% on the original basis; calculate the user's comprehensive borrowing ability The user's...
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The invention discloses a block chain transaction system based on credit value credit, the transaction system comprises an identity authentication module, a risk assessment module, an intelligent recommendation module, an intelligent contract module and a repayment settlement module, the identity authentication module is connected with the risk assessment module, the risk assessment module is connected with the intelligent recommendation module, and the intelligent contract module is connected with the intelligent recommendation module. The intelligent recommendation module is connected with the intelligent contract module, the intelligent contract module is connected with the repayment settlement module, the identity authentication module is used for authenticating the identity of a user, the risk assessment module is used for assessing the loan risk of the user, and the intelligent recommendation module is used for recommending a loan scheme and a repayment scheme for the user. The intelligent contract module is used for executing a transaction according to transaction data, the transaction data comprises identity information of both parties of the transaction, a loan amount, a repayment mode, a limited repayment date, a final repayment date and a repayment rule, and the repayment settlement unit is used for calculating a repayment amount and a user credit value according to a transaction process.
Description
technical field [0001] The invention relates to the technical field of area chains, in particular to a credit-based credit-based block chain transaction system and method. Background technique [0002] The financial services industry is the driving force of global economic development and one of the most centralized industries. The information asymmetry between the two parties in the financial market makes it impossible to establish an effective credit mechanism. There are a large number of centralized credit intermediaries and information intermediaries in the industrial chain, which slows down the efficiency of system operation and increases the cost of capital transactions. With the acceleration of the digital transformation process of the financial industry, under the tide of the digital economy, it is time for traditional financial institutions to reposition. The issue of trust between people has always been a challenge facing the development of all walks of life. More...
Claims
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Patent Timeline
Login to View More IPC IPC(8): G06Q40/02G06F21/62G06F21/31
CPCG06F21/6218G06F21/31G06Q40/03
Inventor 颜辉李子梅龙蕴鑫
Owner CHANGCHUN INST OF TECH