Anonymous loan matching method and system, electronic equipment and storage medium

Abstract

The invention discloses an anonymous loan matching method and system, an electronic device and a storage medium wherein the anonymous loan matching method comprises: acquiring encrypted data uploaded by a borrower, the encrypted data comprising financial data that the borrower needs to submit for borrowing; after the encrypted data passes the preliminary verification, using an anonymous identity to publish a loan demand of the borrower, the loan demand including but not limited to a loan amount, a loan period and a loan interest rate; matching a loan product provided by a loan party for the loan demand based on an intelligent contract; if matching succeeds, matching operation is executed based on the smart contract, a loan agreement is generated, and the two parties sign the loan agreement by using a digital signature technology; according to the method, the security, efficiency and transparency of the loan matching process can be effectively improved by utilizing the characteristics of the block chain.

Description

Technical Field

[0001] The present invention relates to the field of financial service technology, and in particular to an anonymous loan matching method, system, electronic equipment and storage medium. Background Art

[0002] The loan matching process usually involves the following steps: the borrower submits a loan application to a financial institution or online loan platform and provides the required information; the financial institution or platform reviews the information submitted by the borrower; a risk assessment is conducted based on the review results to determine the borrower's credit rating and loan amount, and match loan products; then a contract is signed, funds are disbursed, and corresponding post-loan management is performed.

[0003] It can be seen that in the traditional loan process, borrowers need to provide a large amount of personal information, including sensitive information such as financial status and credit records, which poses a risk of privacy leakage; the loan matching process lacks transparency, and it is difficult for borrowers to understand their own credit assessment standards and loan approval process. This opacity may lead to a lack of trust in the loan process; in addition, the traditional loan review process usually requires manual review, which is time-consuming and prone to human errors, resulting in low approval efficiency. Summary of the invention

[0004] In order to effectively improve the security, efficiency and transparency of the loan matching process, the present application provides an anonymous loan matching method, system, electronic device and storage medium.

[0005] In one aspect, an anonymous loan matching method is provided, the method comprising:

[0006] Obtaining encrypted data uploaded by the borrower, wherein the encrypted data includes financial data required to be submitted by the borrower for borrowing;

[0007] After the encrypted data is initially verified, the borrower's loan demand is published using an anonymous identity, and the loan demand includes but is not limited to the loan amount, loan term, and loan interest rate;

[0008] Match the loan demand with the loan products provided by the lender based on smart contracts;

[0009] If the match is successful, the matching operation is performed based on the smart contract, a loan agreement is generated, and both parties sign it using digital signature technology.

[0010] On the other hand, an anonymous loan matching system is also provided, for executing the method according to the first aspect; the system comprises:

[0011] User identity management module, used to generate and manage anonymous identities and provide digital signature functions;

[0012] Data encryption and decryption module, used for data encryption and data decryption;

[0013] Data verification module, used to verify uploaded data or decrypted data;

[0014] Smart contract module, which is used to execute matching logic based on smart contracts, verify uploaded data, match loan demand with loan products according to set rules, and generate loan agreements, which are digitally signed and confirmed by both parties;

[0015] The blockchain platform module is used to build a blockchain platform, manage transaction records, and execute the smart contract;

[0016] The security audit and compliance module is used to conduct regular security audits of the system to ensure the security of data transmission and storage.

[0017] In a third aspect, an electronic device is provided, including a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the aforementioned anonymous loan matching method and any possible implementation thereof.

[0018] In a fourth aspect, a computer storage medium is provided, wherein the computer storage medium stores one or more instructions, wherein the one or more instructions are suitable for being loaded by a processor and executing the steps of the above-mentioned anonymous loan matching method and any possible implementation thereof.

[0019] This application obtains encrypted data uploaded by the borrower, and the encrypted data includes the financial data required to be submitted by the borrower for borrowing; after the encrypted data is initially verified, the borrower's loan demand is published using an anonymous identity, and the loan demand includes but is not limited to the loan amount, loan term, and loan interest rate; the loan demand is matched with the loan products provided by the lender based on the smart contract; if the match is successful, a matching operation is performed based on the smart contract, a loan agreement is generated, and both parties sign it using digital signature technology; this method can utilize the characteristics of blockchain to effectively improve the security, efficiency and transparency of the loan matching process. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the background technology, the drawings required for use in the embodiments of the present application or the background technology will be described below.

[0021] Figure 1 A flowchart of an anonymous loan matching method provided in an embodiment of the present application;

[0022] Figure 2 A schematic diagram of the structure of a distributed system provided in an embodiment of the present application;

[0023] Figure 3 A schematic diagram of a block structure provided in an embodiment of the present application;

[0024] Figure 4 A schematic diagram of the structure of an anonymous loan matching system provided in an embodiment of the present application. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be described clearly and completely below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in the field without creative work are within the scope of protection of the present application.

[0026] The terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish different objects, rather than to describe a specific order. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions. For example, a process, method, system, product or device that includes a series of steps or units is not limited to the listed steps or units, but optionally includes steps or units that are not listed, or optionally includes other steps or units inherent to these processes, methods, products or devices.

[0027] Reference to "embodiments" herein means that a particular feature, structure, or characteristic described in conjunction with the embodiments may be included in at least one embodiment of the present application. The appearance of the phrase in various locations in the specification does not necessarily refer to the same embodiment, nor is it an independent or alternative embodiment that is mutually exclusive with other embodiments. It is explicitly and implicitly understood by those skilled in the art that the embodiments described herein may be combined with other embodiments.

[0028] The embodiments of the present application are described below in conjunction with the drawings in the embodiments of the present application.

[0029] See also Figure 1 , Figure 1 is a flow chart of an anonymous loan matching method provided in an embodiment of the present application, such as Figure 1 As shown, the method is applied to an application program, and the method may include:

[0030] 101. Obtain the encrypted data uploaded by the borrower, wherein the encrypted data includes the financial data required to be submitted by the borrower for the loan.

[0031] The embodiment of the present application mainly provides an anonymous loan matching method, which uses encryption technology to process the borrower's financial data and performs anonymous loan matching on the blockchain to ensure that the borrower can obtain loan services without disclosing personal privacy.

[0032] The system involved in the embodiment of the present invention can be a distributed system formed by connecting a client and multiple nodes (any form of computing devices in the access network, such as a server, a user terminal) through network communication. The execution subject in the embodiment of the present application can be a blockchain server, which includes multiple nodes in the entire blockchain system. The borrower and lender in the embodiment of the present application can join as nodes.

[0033] Take the distributed system as the blockchain system as an example, see Figure 2 , Figure 2 This is an optional schematic diagram of the distributed system 200 provided by the embodiment of the present invention applied to the blockchain system. It is formed by multiple nodes (any form of computing devices in the access network, such as servers and user terminals) and clients, and the nodes form a peer-to-peer (P2P) network. The P2P protocol is an application layer protocol running on the Transmission Control Protocol (TCP). In a distributed system, any machine such as a server or a terminal can join and become a node. The node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

[0034] See also Figure 2 The functions of each node in the blockchain system shown include:

[0035] 1) Routing: a basic function of a node, used to support communication between nodes.

[0036] In addition to the routing function, the node can also have the following functions:

[0037] 2) Applications are deployed in the blockchain to implement specific businesses based on actual business needs, record data related to the implementation of functions to form record data, carry digital signatures in the record data to indicate the source of the task data, and send the record data to other nodes in the blockchain system for other nodes to add the record data to a temporary block when they successfully verify the source and integrity of the record data.

[0038] For example, the services implemented by the application include:

[0039] 2.1) Wallet, used to provide the function of conducting electronic currency transactions, including initiating transactions (i.e., sending the transaction record of the current transaction to other nodes in the blockchain system. After the other nodes successfully verify the transaction, as a response to acknowledge the validity of the transaction, the transaction record data is stored in the temporary block of the blockchain; of course, the wallet also supports querying the remaining electronic currency in the electronic currency address;

[0040] 2.2) Shared ledger, which is used to provide functions such as storage, query and modification of account data. The record data of the operation on the account data is sent to other nodes in the blockchain system. After other nodes verify the validity, as a response to acknowledging the validity of the account data, the record data is stored in a temporary block, and a confirmation can also be sent to the node that initiated the operation.

[0041] 2.3) Smart contracts are computerized protocols that can execute the terms of a contract. They are implemented by deploying code on a shared ledger that is executed when certain conditions are met. The code is used to complete automated transactions based on actual business needs, such as querying the logistics status of the goods purchased by the buyer and transferring the buyer's electronic currency to the merchant's address after the buyer signs for the goods. Of course, smart contracts are not limited to executing contracts for transactions, but can also execute contracts for processing received information.

[0042] 3) Blockchain, including a series of blocks that are connected to each other in the order of their generation. Once a new block is added to the blockchain, it will not be removed. The block records the record data submitted by the nodes in the blockchain system.

[0043] See also Figure 3 , Figure 3 This is an optional schematic diagram of the block structure provided by an embodiment of the present invention. Each block includes the hash value of the transaction record stored in this block (the hash value of this block) and the hash value of the previous block. Each block is connected by the hash value to form a blockchain. In addition, the block can also include information such as the timestamp when the block was generated. Blockchain is essentially a decentralized database, a string of data blocks generated by cryptographic methods. Each data block contains relevant information for verifying the validity of its information (anti-counterfeiting) and generating the next block.

[0044] Specifically, the borrower prepares financial data: The borrower prepares the financial data that needs to be submitted, such as proof of income, credit score, bank statements, etc. Optionally, the borrower uses a homomorphic encryption algorithm (such as Paillier encryption) to encrypt its financial data and generate ciphertext data. In this way, even if the data is viewed by a third party, the specific value of the original data cannot be decrypted.

[0045] In an optional implementation, after the above step 101, the above method further includes:

[0046] In response to the borrower's identity creation request, an anonymous identity is created for the borrower for transactions on the blockchain, and each anonymous identity in the blockchain corresponds one-to-one to the identity information of a real user.

[0047] Borrowers can create an anonymous identity to conduct transactions on the blockchain. This anonymous identity can be a randomly generated identifier that has nothing to do with the borrower's real identity.

[0048] Borrowers can upload encrypted data to the blockchain platform through terminal devices. Smart contracts or specially designed verification nodes on the blockchain platform can perform preliminary verification of the uploaded data to confirm that the data format is correct and meets the requirements.

[0049] 102. After the above encrypted data is initially verified, the loan demand of the above borrower shall be published using an anonymous identity. The above loan demand includes but is not limited to the loan amount, loan term and loan interest rate.

[0050] Specifically, an anonymous identity can be used to publish loan requirements, including loan amount, term, interest rate, etc. This information can also be partially encrypted and only decrypted for the lender to view after a successful match.

[0051] The system can perform demand matching for published unmatched loan demands. It can mainly automatically match eligible loan demands with loan products provided by lenders through smart contracts.

[0052] The loan product related information and requirements in the embodiments of the present application can be uploaded by the lender and stored or published after verification by the nodes or smart contracts in the blockchain.

[0053] 103. Match the loan products provided by the lender to the above loan needs based on smart contracts.

[0054] Specifically, an intelligent matching algorithm can be developed that can automatically match the most suitable loan product based on the user's loan needs and credit assessment results. The algorithm can determine the best loan product based on a variety of factors, such as loan amount, interest rate, repayment period, etc.

[0055] First, a risk assessment model can be built, which uses big data analysis and machine learning technology to comprehensively evaluate the borrower's credit, income and other risk indicators, specifically evaluating and analyzing the uploaded financial data. These models can predict the probability of default based on historical data and specific algorithms, and provide a reference for investors.

[0056] A database can be established, which contains important data such as various financial product information, user profiles, and transaction records. Using powerful computing power and efficient storage systems, the system can quickly retrieve and compare applicants with appropriate conditions, the required loan amount and term, and low risk. The database can be managed by recognized data nodes in the blockchain.

[0057] The clause matching algorithm is the core component of smart contracts. It is responsible for matching the clauses entered by the user with the clauses in the smart contract to determine whether the execution conditions are met. This algorithm can improve the execution efficiency and security of smart contracts.

[0058] Optionally, the characteristics of smart contracts can be used to achieve real-time linkage between collateral and loan quota. When the collateral appreciates, borrowers can obtain more loan quotas; if the collateral depreciates and the mortgage rate does not meet the requirements, liquidation will be automatically carried out to maintain the safety of funds.

[0059] In an optional implementation, the above-mentioned smart contract-based matching of loan products provided by lenders for the above-mentioned loan needs includes:

[0060] Analyze the borrower's basic information, repayment status, historical operations and lending evaluation to generate a credit score for the borrower;

[0061] When the target loan product meets the loan needs of the above-mentioned borrower, if the credit score of the above-mentioned borrower is greater than the credit requirement score of the above-mentioned target loan product, it is determined that the above-mentioned target loan product is successfully matched.

[0062] Specifically, in addition to matching the loan demand and the loan product-related content, the borrower's credit situation is also considered. For credit scoring, an established credit scoring model can be used.

[0063] Specifically, we can first collect various types of information about the borrower, including but not limited to basic information (such as age, gender, marital status, education level, occupation, income, etc.), credit history (such as number of loans, loan amount, repayment status, number of overdue payments, number of overdue days, etc.), consumption behavior (such as shopping frequency, shopping amount, shopping category, payment method, etc.) and social relationships (such as number of friends, interaction frequency, number of likes, number of comments, etc.). After data preprocessing and variable selection and conversion, we can develop and evaluate the model, and establish an automatic credit scoring system based on the credit scoring method to realize the automatic calculation of the borrower's credit score.

[0064] According to the borrower's credit characteristics and data features, scoring criteria are set, which may include linear models, tree models, neural networks, and ensemble learning methods. The generated credit score is applied to the loan approval process as an important basis for judging the borrower's credit risk.

[0065] When designing smart contracts, it is necessary to consider the liquidity and risk management of assets to avoid damage to borrowers due to insufficient liquidity of collateral.

[0066] In an optional implementation, the above step 103 includes:

[0067] If at least one loan product is matched to the above loan demand, the above at least one loan product is pushed to the above borrower;

[0068] After the above-mentioned borrower confirms the selection of the target loan product, a loan agreement including the anonymous identities of both parties is generated based on the matching operation of the above-mentioned loan demand and the above-mentioned target loan product, and the above-mentioned target loan product belongs to at least one of the above-mentioned loan products.

[0069] Specifically, in the embodiment of the present application, for the matched loan products, the system can automatically confirm the product with the highest matching degree to perform matchmaking, or the borrower can further select and confirm. For example, if multiple loan products are matched to meet the loan needs, they can be pushed to the borrower for selection, and the relevant operations can be automatically performed after the target loan product is selected.

[0070] 104. If the match is successful, the matching operation is performed based on the above-mentioned smart contract, a loan agreement is generated, and both parties sign it using digital signature technology.

[0071] When the loan demand and loan product are successfully matched, the smart contract automatically performs the matching operation and generates a loan agreement.

[0072] Specifically, the terms and conditions of the loan agreement can be predefined as needed. First, the specific terms of the loan agreement need to be clarified, including the loan amount, interest rate, repayment period, overdue penalties, etc. Then the corresponding smart contract code is written according to the needs. You can use smart contract programming languages ​​such as Solidity to write code based on the terms of the loan agreement. The smart contract will contain the logic to automatically execute these terms. Deploy the written smart contract to the blockchain to make it public, tamper-proof, and automatically execute when the conditions are triggered. Tools such as Chainlink Automation can be used to further automate the execution of smart contracts, such as regularly checking whether the conditions are met and triggering related smart contract functions.

[0073] Based on the smart contract, a loan agreement containing the anonymous identities of both parties can be generated and signed by both parties using digital signature technology. Multi-party computing technology can be used here to ensure the security of the signing process.

[0074] Optionally, the above method further includes:

[0075] After the above matching operation is successful, partial decryption data is determined according to the above borrower's selection operation;

[0076] The above-mentioned partial decrypted data is provided to the above-mentioned lender for use in loan review and issuance by the above-mentioned lender.

[0077] After the loan is successfully matched, the borrower can selectively decrypt part of the data for the lender to review in order to complete the final loan review and issuance.

[0078] In an optional implementation, after the matching operation is performed based on the smart contract, a loan agreement is generated, and both parties sign the agreement using digital signature technology, the method further includes:

[0079] After detecting that the lender has issued a loan to the designated account of the borrower in accordance with the loan agreement, the repayment plan corresponding to the loan agreement is executed based on the smart contract control.

[0080] Specifically, the lender can issue loans to the borrower's designated account according to the agreement. Smart contracts can automatically execute repayment plans to ensure timely repayment. Smart contracts will automatically execute according to preset conditions. For example, when the repayment date arrives, the borrower's account balance will be automatically checked and repayment will be automatically executed when the conditions are met. During the repayment process, homomorphic encryption technology can also be used to protect the privacy of repayment information.

[0081] In an optional implementation, the above method further includes:

[0082] After the loan process is completed, the loan process is analyzed and evaluated based on the above smart contract to obtain the borrower score and lender score in this loan process. The above borrower score and lender score are used to evaluate the credit scores of the above borrower and the above lender respectively;

[0083] Destroy the above encrypted data.

[0084] Specifically, after the loan process is completed, the loan process can be analyzed and evaluated according to the evaluation rules or algorithm model agreed upon in the smart contract, mainly including the repayment situation, the satisfaction of both parties (for example, the other party can be evaluated or scored), etc., so as to obtain the borrower score and lender score in this loan process, which can be used to calculate the credit score.

[0085] Once the loan process is completed, all encrypted data uploaded to the blockchain platform can be destroyed to prevent data leakage.

[0086] Optionally, in the embodiment of the present application, a security audit and compliance check function is also provided:

[0087] Security Audit: Regularly conduct security audits on the system to ensure the security of data transmission and storage.

[0088] Compliance check: Ensure that the entire process complies with local laws and regulations. Implementation details

[0089] Selection of homomorphic encryption algorithm: Select an appropriate homomorphic encryption algorithm, such as the Paillier encryption algorithm, to ensure that data can be computed even in an encrypted state.

[0090] Smart contract design: Design reasonable smart contract logic to ensure the automation and security of the matching process.

[0091] Privacy protection mechanism: In addition to homomorphic encryption, you can also consider using technologies such as zero-knowledge proof to further protect privacy.

[0092] Authentication mechanism: ensure the authenticity and uniqueness of anonymous identities to prevent fraud.

[0093] In the embodiment of the present application, through the above process, efficient and secure anonymous loan matching can be achieved while protecting the privacy of the borrower. This method can not only be applied to personal loans, but also can be extended to other types of financial services, such as corporate financing, credit assessment and other fields.

[0094] In order to achieve the above anonymous loan matching method, the current loan methods and technologies need to undergo a series of upgrades and transformations. The following are some key technologies and implementation steps to ensure that the entire process can both protect privacy and efficiently complete loan matching:

[0095] 1. System architecture upgrade

[0096] Introduce blockchain technology: The existing loan system needs to introduce blockchain technology to achieve decentralized storage, transparency and immutability of data. Choose a suitable blockchain platform (such as Ethereum, Hyperledger Fabric, etc.) as the underlying infrastructure.

[0097] Deploy smart contracts: Develop and deploy smart contracts to automate key steps in the loan matching process, such as data verification, matching logic, and agreement generation.

[0098] 2. Upgrade of data processing and encryption technology

[0099] Introducing homomorphic encryption technology: Existing data processing modules need to integrate homomorphic encryption technology (such as Paillier encryption, ElGamal encryption, etc.) to process sensitive data in an encrypted state.

[0100] Implement data encryption and decryption functions: Develop a front-end or API interface to allow users to encrypt data before uploading it, and provide decryption function when decryption is needed.

[0101] Zero-knowledge proof (ZKP): Consider introducing zero-knowledge proof technology to verify certain attributes (such as income level, credit score, etc.) without revealing the specific value.

[0102] 3. User-side upgrade

[0103] Develop anonymous identity management tools: Develop client applications or web interfaces to help users generate and manage anonymous identities and ensure that each identity corresponds to a real user.

[0104] Encrypted data upload function: The user end needs to have the function of uploading encrypted data and ensure that the uploaded data format meets the system requirements.

[0105] Digital signature function: Implement the digital signature function to ensure that users can verify the signature of the data they upload and the signed loan agreement.

[0106] 4.Backend system upgrade

[0107] Data verification logic: The backend system needs to implement preliminary verification logic for encrypted data, such as data format verification, integrity check, etc.

[0108] Matching logic development: Develop the matching logic in the smart contract, including the matching algorithm between loan demand and loan products.

[0109] Agreement generation and signing: Realize the automatic generation function of loan agreements and support digital signature technology to ensure the validity and non-repudiation of the agreements.

[0110] Loan issuance and repayment process: Develop automated processes to ensure that loan issuance and repayment operations are seamless and automatically executed through smart contracts.

[0111] 5. Security and compliance upgrades

[0112] Security Audit: Regularly conduct system security audits to ensure the security of data transmission and storage.

[0113] Legal compliance review: Work with legal counsel to ensure that system design complies with local laws and regulations.

[0114] 6. Testing and launch

[0115] Unit testing: Perform unit testing on each component to ensure that each module functions properly.

[0116] Integration testing: Perform system-level integration testing to verify whether the interactions between various components are smooth.

[0117] User Acceptance Testing (UAT): Invite target users to participate in the test, collect feedback and make necessary adjustments.

[0118] Official launch: After ensuring system stability and security, the system is officially launched.

[0119] Based on the description of the above anonymous loan matching method embodiment, the embodiment of the present application also discloses an anonymous loan matching system.

[0120] See also Figure 4 The structure diagram of an anonymous loan matching system is shown, wherein the anonymous loan matching system 400 includes:

[0121] User identity management module 410, used to generate and manage anonymous identities and provide digital signature functions;

[0122] Data encryption and decryption module 420, used for data encryption and data decryption;

[0123] Data verification module 430, used to verify the uploaded data or the decrypted data;

[0124] Smart contract module 440, used to execute matching logic based on smart contracts, verify uploaded data, match loan demand with loan products according to set rules, and generate loan agreements, which are digitally signed and confirmed by both parties;

[0125] The blockchain platform module 450 is used to build a blockchain platform, manage transaction records, and execute the smart contract;

[0126] The security audit and compliance module 460 is used to perform security audits on the system regularly to ensure the security of data transmission and storage.

[0127] The following is a detailed description:

[0128] 1. User identity management module 410

[0129] Function:

[0130] Generate anonymous identity: Generate a unique anonymous identity identifier for each borrower.

[0131] Manage anonymous identities: Maintain the mapping relationship between anonymous identities and real identities to ensure the uniqueness and authenticity of the identities.

[0132] Digital Signature: Provides digital signature capabilities for signing loan applications and other important documents.

[0133] cooperation:

[0134] Connect with the front-end user interface module to receive user registration requests and generate anonymous identities.

[0135] Connect with the smart contract module to provide effective anonymous identity information for the smart contract.

[0136] 2. Data encryption and decryption module 420

[0137] Function:

[0138] Data encryption: Use homomorphic encryption algorithms (such as Paillier encryption) to encrypt users' financial data.

[0139] Data decryption: When necessary, such as after a loan is successfully matched, some data will be decrypted for verification by the lender.

[0140] cooperation:

[0141] Connect with the front-end user interface module to receive and encrypt the original data uploaded by the user.

[0142] Connect with the smart contract module to ensure that encrypted data can be used correctly in the smart contract.

[0143] Connect with the data verification module to provide decryption function to verify the authenticity of the data.

[0144] 3. Data Verification Module 430

[0145] Function:

[0146] Data format verification: Ensure that the uploaded data format is correct and meets system requirements.

[0147] Data integrity verification: Use technologies such as zero-knowledge proof to verify the integrity of data without exposing specific values.

[0148] Data consistency verification: Ensure that data remains consistent during uploading, processing, and storage.

[0149] cooperation:

[0150] Connect with the data encryption and decryption module to verify the decrypted data.

[0151] Connect with the smart contract module to ensure that the verified data can be used in the matching process.

[0152] 4. Smart Contract Module 440

[0153] Function:

[0154] Automatically execute matching logic: Write and deploy smart contract code to automatically execute key steps in the matching process.

[0155] Data verification and matching: Verify the uploaded data and match loan demand and loan products according to the set rules.

[0156] Agreement generation and signing: Generate a loan agreement and confirm it with digital signatures by both parties.

[0157] cooperation:

[0158] Connect with the user identity management module to obtain valid anonymous identity information.

[0159] Connect with the data encryption and decryption module to process encrypted data.

[0160] Connect with the data verification module to ensure the validity of the data.

[0161] 5. Blockchain platform module 450

[0162] Function:

[0163] Blockchain deployment: Build a blockchain platform to store important information such as transaction records and matching results.

[0164] Transaction record management: record the details of each transaction to ensure the transparency and traceability of the transaction.

[0165] Smart contract execution: Execute the code logic in the smart contract to ensure the automation of the matching process.

[0166] cooperation:

[0167] Connect with the smart contract module to execute the logic in the smart contract.

[0168] Connect with the user identity management module to record the operation records of anonymous identities.

[0169] Connect with the data verification module to store the verification results.

[0170] 6. Security Audit and Compliance Module 460

[0171] Function:

[0172] Security Audit: Regularly conduct security audits on the system to ensure the security of data transmission and storage.

[0173] Compliance check: Ensure that the system design complies with local laws and regulations.

[0174] cooperation:

[0175] Connect with all other modules to perform security and compliance checks.

[0176] 7. It can also include front-end user interface modules:

[0177] Function:

[0178] User registration and login: Provide user registration and login interface.

[0179] Data upload and management: Allows users to upload encrypted financial data and manage loan applications.

[0180] Transaction query and feedback: Provides the function of querying matching results and transaction status.

[0181] cooperation:

[0182] Connect with the user identity management module to process user identity information.

[0183] Connect with the data encryption and decryption module to upload encrypted data.

[0184] Connect with the smart contract module to display the matching results and agreement information.

[0185] Based on the above system architecture, the system collaboration process can include the following steps:

[0186] 1. User registration: Users register through the front-end user interface module and generate an anonymous identity.

[0187] 2. Data upload: Users upload encrypted financial data, and the data encryption and decryption module encrypts the data.

[0188] 3. Data Verification: The data verification module verifies the uploaded data to ensure that the data format is correct and complete.

[0189] 4. Matching: The smart contract module automatically executes the matching logic to match loan demand with loan products.

[0190] 5. Agreement generation: After the matchmaking is successful, the smart contract module generates a loan agreement, which is digitally signed by both parties.

[0191] 6. Transaction records: The blockchain platform module records transaction details to ensure the transparency and traceability of transactions.

[0192] 7. Loan issuance and repayment: The loan issuance and repayment process is automatically executed through smart contracts.

[0193] 8. Security Audit: Conduct security audits regularly to ensure the security and compliance of system operations.

[0194] According to one embodiment of the present application, Figure 1 Each step involved in the method shown can be performed by Figure 4 The operations performed by various modules in the anonymous loan matching system 400 are not described in detail here.

[0195] Although the existing loan matching process has been widely used, it still has some shortcomings and defects:

[0196] 1. Risk of privacy leakage:

[0197] In the traditional loan process, borrowers need to provide a lot of personal information, including sensitive information such as financial status and credit history. Once this information is leaked, it may lead to serious privacy issues and personal information security risks.

[0198] 2. Inefficiency:

[0199] The traditional loan review process usually requires manual review, which is time-consuming and prone to human errors, resulting in low approval efficiency.

[0200] 3. Information asymmetry:

[0201] There may be information asymmetry between borrowers and lenders, resulting in unfair loan conditions. Lenders may use their information advantage to set terms that are unfavorable to borrowers.

[0202] 4. Geographical restrictions:

[0203] Traditional loan services are often subject to geographical restrictions, especially for residents in remote areas, where it is more difficult to obtain loan services. Uneven network coverage may also affect the popularity of online loan services.

[0204] 5. Lack of Transparency:

[0205] The traditional loan matching process lacks transparency, making it difficult for borrowers to understand their credit assessment criteria and loan approval process. This opacity may lead to a lack of trust in the loan process.

[0206] 6. High agency fees:

[0207] Matching loans through intermediaries usually incurs higher intermediary fees, increasing the burden on borrowers.

[0208] The existence of intermediaries also increases the cost of loan matching.

[0209] 7. Single risk control model:

[0210] The traditional risk control model is relatively simple and relies on the traditional credit scoring system. The lack of diversified risk assessment methods may lead to the misjudgment of some high-quality customers.

[0211] 8. Legal compliance issues:

[0212] In cross-border loan matching, there are differences in laws and regulations in different countries and regions, leading to compliance issues. The legal framework lags behind technological innovation and is difficult to adapt to the rapidly developing financial technology needs.

[0213] By using the anonymous loan matching method provided in this application, the following technical effects can be achieved:

[0214] 1. Enhanced privacy protection:

[0215] Data encryption: Use homomorphic encryption technology to encrypt the borrower's financial data to ensure that the data will not be leaked during transmission and storage.

[0216] Anonymous identity: Borrowers can use anonymous identities for loan applications and matchmaking, thereby protecting personal privacy and preventing identity theft.

[0217] 2. Improved security:

[0218] Data tamper-proof: The decentralized nature of blockchain technology ensures the consistency and immutability of data, enhancing the security of the system.

[0219] Smart contracts: Smart contracts automatically execute matching logic, reducing the chance of human intervention and the risk of fraud.

[0220] 3. Increase transparency:

[0221] Public records: All loan matching records can be publicly viewed on the blockchain, increasing the transparency of transactions and improving the trust of all parties.

[0222] Smart contract execution: The transparent execution process of smart contracts allows all parties to clearly understand every step of the matchmaking process.

[0223] 4. Improve efficiency:

[0224] Automated processes: Smart contracts can automatically execute various loan matching processes, such as data verification, loan matching, agreement generation, etc., greatly improving efficiency.

[0225] Reducing intermediaries: Reducing intermediaries through decentralization reduces transaction costs and time costs.

[0226] Based on the description of the above method embodiment, the embodiment of the present application also provides an electronic device. The electronic device at least includes a processor, an input device, an output device, and a computer storage medium. The processor, input device, output device, and computer storage medium in the electronic device can be connected via a bus or other means.

[0227] In the embodiment of the present application, the computer storage medium may be stored in the memory of the electronic device, the computer storage medium is used to store a computer program, the computer program includes program instructions, and the processor is used to execute the program instructions stored in the computer storage medium. The processor (or CPU (Central Processing Unit)) is the computing core and control core of the electronic device, which is suitable for implementing one or more instructions, and is specifically suitable for loading and executing one or more instructions to implement the corresponding method flow or corresponding function; in one embodiment, the processor in the embodiment of the present application can be used to perform a series of processing, including such as Figure 1 The method steps etc. in the illustrated embodiments.

[0228] The embodiment of the present application also provides a computer storage medium (Memory), which is a memory device in an electronic device for storing programs and data. It is understandable that the computer storage medium here can include both built-in storage media in electronic devices and, of course, extended storage media supported by electronic devices. The computer storage medium provides a storage space that stores the operating system of the electronic device. In addition, one or more instructions suitable for being loaded and executed by a processor are also stored in the storage space, and these instructions can be one or more computer programs (including program codes). It should be noted that the computer storage medium here can be a high-speed RAM memory, or a non-volatile memory, such as at least one disk storage; optionally, it can also be at least one computer storage medium located away from the aforementioned processor.

[0229] In one embodiment, one or more instructions stored in a computer storage medium may be loaded and executed by a processor to implement the corresponding steps in the above embodiment; in a specific implementation, one or more instructions in a computer storage medium may be loaded and executed by a processor as follows: Figure 1 , the method steps in the illustrated embodiments, etc. will not be repeated here.

[0230] Those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working processes of the above-described devices and modules can refer to the corresponding processes in the aforementioned method embodiments and will not be repeated here.

[0231] In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices and methods can be implemented in other ways. For example, the division of the module is only a logical function division, and there may be other division methods in actual implementation, for example, multiple modules or components can be combined or integrated into another system, or some features can be ignored or not executed. The mutual coupling, direct coupling, or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of devices or modules, which can be electrical, mechanical or other forms.

[0232] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical modules, that is, they may be located in one place or distributed on multiple network modules. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0233] In the above embodiments, it can be implemented in whole or in part by software, hardware, firmware or any combination thereof. When implemented using software, it can be implemented in whole or in part in the form of a computer program product. The computer program product includes one or more computer instructions. When the computer program instructions are loaded and executed on a computer, the process or function according to the embodiment of the present application is generated in whole or in part. The computer can be a general-purpose computer, a special-purpose computer, a computer network, or other programmable devices. The computer instructions can be stored in a computer-readable storage medium or transmitted through the computer-readable storage medium. The computer instructions can be transmitted from a website site, computer, server or data center to another website site, computer, server or data center by wired (e.g., coaxial cable, optical fiber, digital subscriber line (digital subscriber line, DSL)) or wireless (e.g., infrared, wireless, microwave, etc.) mode. The computer-readable storage medium can be any available medium that a computer can access or a data storage device such as a server or data center that contains one or more available media integrations. The available medium may be a read-only memory (ROM), or a random access memory (RAM), or a magnetic medium, such as a floppy disk, a hard disk, a tape, a magnetic disk, or an optical medium, such as a digital versatile disc (DVD), or a semiconductor medium, such as a solid state disk (SSD), etc.

Claims

1. An anonymous loan matching method, characterized in that: include: Obtaining encrypted data uploaded by the borrower, wherein the encrypted data includes financial data required to be submitted by the borrower for borrowing; After the encrypted data is initially verified, the borrower's loan demand is published using an anonymous identity, and the loan demand includes but is not limited to the loan amount, loan term, and loan interest rate; Match the loan demand with the loan products provided by the lender based on smart contracts; If the match is successful, the matching operation is performed based on the smart contract, a loan agreement is generated, and both parties sign it using digital signature technology.

2. The method according to claim 1, characterized in that The method further comprises: After the matching operation is successful, determining partial decrypted data according to the borrower's selection operation; The partial decrypted data is provided to the lender for use in loan review and issuance by the lender.

3. The method according to claim 2, characterized in that After the matching operation is performed based on the smart contract, a loan agreement is generated, and the two parties sign the agreement using digital signature technology, the method further includes: After detecting that the lender has issued a loan to the designated account of the borrower in accordance with the loan agreement, the repayment plan corresponding to the loan agreement is executed based on the smart contract control.

4. The method according to claim 1, characterized in that: After obtaining the encrypted data uploaded by the borrower, the method further includes: In response to the borrower's identity creation request, an anonymous identity is created for the borrower for transactions on the blockchain, and each anonymous identity in the blockchain corresponds one-to-one to the identity information of a real user.

5. The method according to claim 1, characterized in that The loan products provided by the lender for matching the loan demand based on the smart contract include: Analyze the borrower's basic information, repayment status, historical operations and lending evaluation to generate a credit score for the borrower; When the target loan product meets the loan needs of the borrower, if the credit score of the borrower is greater than the credit requirement score of the target loan product, it is determined that the target loan product is successfully matched.

6. The method according to claim 1, characterized in that If the match is successful, a matching operation is performed based on the smart contract to generate a loan agreement, including: If at least one loan product is matched to the loan demand, the at least one loan product is pushed to the borrower; After the borrower confirms the selection of the target loan product, a loan agreement including the anonymous identities of both parties is generated based on the matching operation between the loan demand and the target loan product, and the target loan product belongs to the at least one loan product.

7. The method according to claim 1, characterized in that The method further comprises: After the loan process is completed, the loan process is analyzed and evaluated based on the smart contract to obtain the borrower score and lender score in the loan process. The borrower score and lender score are used to evaluate the credit scores of the borrower and lender respectively; The encrypted data is destroyed.

8. An anonymous loan matching system, characterized in that: Used to perform the method according to any one of claims 1 to 6; the system comprises: User identity management module, used to generate and manage anonymous identities and provide digital signature functions; Data encryption and decryption module, used for data encryption and data decryption; Data verification module, used to verify uploaded data or decrypted data; Smart contract module, which is used to execute matching logic based on smart contracts, verify uploaded data, match loan demand with loan products according to set rules, and generate loan agreements, which are digitally signed and confirmed by both parties; The blockchain platform module is used to build a blockchain platform, manage transaction records, and execute the smart contract; The security audit and compliance module is used to conduct regular security audits of the system to ensure the security of data transmission and storage.

9. An electronic device, characterized in that: The method comprises a memory and a processor, wherein the memory stores a computer program, and when the computer program is executed by the processor, the processor executes the steps of the anonymous loan matching method as claimed in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: A computer program is stored, and when the computer program is executed by a processor, the processor executes the steps of the anonymous loan matching method as described in any one of claims 1 to 7.

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