Loan approval method and device based on smart contract, equipment and medium

Abstract

The invention discloses a loan approval method and device based on a smart contract, equipment and a medium, and relates to the technical field of block chains. The method comprises the following steps: receiving a loan approval request of a borrower; obtaining a historical credit record corresponding to the borrower identifier from the block chain based on the borrower identifier in the loan approval request; examining and approving the loan examination and approval request based on the examination and approval contract and the historical credit record to obtain an examination and approval result; and when the examination and approval result is that examination and approval are passed and the contract corresponding to the loan examination and approval request is signed to take effect, performing loan operation based on the loan contract. According to the technical scheme provided by the invention, the integrity and authenticity of the data can be ensured, the automation of loan approval can be realized, the business efficiency is improved, and information asymmetry and human errors are reduced.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to a loan approval method, device, equipment and medium based on smart contracts. Background Art

[0002] In traditional financial services, data management, contract execution and risk control rely on manual operations and centralized systems. Existing technologies usually use centralized database management systems to manage financial lending processes, including data entry, approval and repayment tracking, and use electronic contract systems to sign loan contracts online.

[0003] However, this approach has the following disadvantages: 1. Data management and circulation rely on centralized institutions, which is prone to data fraud and disputes, data opacity, and difficulty in building trust among multiple parties. 2. Contract performance, repayment records, and overdue processing require manual intervention by multiple parties, which is inefficient, time-consuming, and error-prone. Summary of the invention

[0004] The present application provides a loan approval method, device, equipment and medium based on smart contracts, which can ensure the integrity and authenticity of data, realize the automation of loan approval, improve business efficiency, and reduce information asymmetry and human errors.

[0005] In a first aspect, the present application provides a loan approval method based on a smart contract, wherein the smart contract includes an approval contract and a loan contract, and the method includes:

[0006] Receive loan approval requests from borrowers;

[0007] Based on the borrower identifier in the loan approval request, obtain the historical credit record corresponding to the borrower identifier from the blockchain;

[0008] Approving the loan approval request based on the approval contract and the historical credit record to obtain an approval result;

[0009] When the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective, the loan operation is performed based on the loan contract.

[0010] Furthermore, the loan approval request is approved based on the approval contract and the historical credit record to obtain an approval result, including: using homomorphic encryption technology to analyze the historical credit record to obtain the credit data of the borrower's historical loans, and the credit data at least includes the number of on-time repayments and the number of overdue payments; determining whether the credit data meets the minimum credit standard in the approval contract, and determining whether the loan amount in the loan approval request meets the repayment pressure standard in the approval contract; if both are met, determining that the approval result is approved.

[0011] Furthermore, after obtaining the credit data of the borrower's historical loans, it also includes: performing data calculations on the number of on-time repayments, the number of overdue payments and a preset overdue penalty coefficient to obtain a loan amount adjustment coefficient; and taking the product of the loan amount adjustment coefficient and the preset basic amount as the adjusted loan amount.

[0012] Furthermore, executing a loan operation based on the loan contract includes: determining whether the borrower's account in the loan approval request meets the account requirements in the loan contract; if it meets the account requirements, verifying whether the loan conditions in the loan contract are met, wherein the loan conditions are determined by the loan business scenario, and the loan conditions include at least one of payment of a handling fee and mortgage registration procedures; if the loan conditions are met, docking with the capital account system on the blockchain is performed, and the loan amount is transferred from the lender's account to the borrower's account.

[0013] Furthermore, the method also includes: generating a detailed loan record corresponding to the loan approval request through the loan contract, the detailed loan record at least including the loan time, loan amount, loan interest, loan account, borrower account and interest calculation method; generating an on-chain storage request based on the detailed loan record, and the on-chain storage request is used to store the detailed loan record on the blockchain.

[0014] Furthermore, the smart contract also includes a repayment contract and an overdue contract, and the method also includes: generating a repayment plan corresponding to the loan approval request through the repayment contract; on the repayment date in the repayment plan, detecting whether the balance of the borrower's account is not less than the repayment amount corresponding to the repayment date; if less than, generating repayment reminder information to prompt the borrower to repay; when the borrower fails to repay on the repayment date, calculating penalty interest according to the number of overdue days through the overdue contract.

[0015] Furthermore, the smart contract is designed based on the proxy contract model.

[0016] In a second aspect, the present application provides a loan approval device based on a smart contract, wherein the smart contract includes an approval contract and a loan contract, and the device includes:

[0017] A request receiving module, used to receive a loan approval request from a borrower;

[0018] A data acquisition module, used to acquire the historical credit record corresponding to the borrower identifier from the blockchain based on the borrower identifier in the loan approval request;

[0019] A request processing module, used to approve the loan approval request based on the approval contract and the historical credit record to obtain an approval result;

[0020] The loan execution module is used to execute the loan operation based on the loan contract when the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective.

[0021] In a third aspect, the present application provides an electronic device comprising: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the smart contract-based loan approval method described in any embodiment of the present application.

[0022] In a fourth aspect, the present application provides a computer-readable storage medium, which stores computer instructions, and the computer instructions are used to enable a processor to implement the smart contract-based loan approval method described in any embodiment of the present application when executed.

[0023] In a fifth aspect, the present application provides a computer program product, including a computer program, which, when executed by a processor, implements the smart contract-based loan approval method described in any embodiment of the present application.

[0024] In order to solve the defects of the prior art in the background technology, the embodiment of the present application provides a loan approval method based on smart contracts, and the execution of this method can bring the following beneficial effects: the present application deploys smart contracts including approval contracts and loan contracts on the blockchain, which can ensure the integrity and authenticity of the data, prevent the data from being maliciously tampered with or forged, and make the data based on the entire loan approval process always reliable. The present application automatically triggers the approval contract when receiving a loan approval request, automatically obtains historical credit records according to the borrower's identification, automatically approves the request according to the preset approval contract, and automatically triggers the loan contract to execute the loan operation when the approval result is approved and the contract corresponding to the loan approval request has been signed and effective. Without too much manual intervention, the automation of loan approval can be realized, which improves business efficiency and reduces information asymmetry and human errors.

[0025] It should be noted that the above-mentioned computer instructions may be stored in whole or in part on a computer-readable storage medium. The computer-readable storage medium may be packaged together with the processor of the loan approval device based on the smart contract, or may be packaged separately from the processor of the loan approval device based on the smart contract, and this application does not limit this.

[0026] The description of the second, third, ..., and fifth aspects in this application can refer to the detailed description of the first aspect; and the beneficial effects of the description of the second, third, ..., and fifth aspects can refer to the beneficial effect analysis of the first aspect, which will not be repeated here.

[0027] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present application, nor is it intended to limit the scope of the present application. Other features of the present application will become easily understood through the following description.

[0028] It is understandable that before using the technical solutions disclosed in the embodiments of this application, the type, scope of use, and usage scenarios of the personal information involved in this application should be informed to the user and the user's authorization should be obtained in an appropriate manner in accordance with relevant laws and regulations. BRIEF DESCRIPTION OF THE DRAWINGS

[0029] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0030] Figure 1 A flowchart of a loan approval method based on a smart contract provided in an embodiment of the present application;

[0031] Figure 2 A schematic diagram of the structure of a loan approval device based on a smart contract provided in an embodiment of the present application;

[0032] Figure 3 It is a block diagram of an electronic device used to implement a loan approval method based on a smart contract in an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to make the purpose, technical solution and advantages of the embodiments of the present application clearer, the technical solution in the embodiments of the present application will be clearly and completely described 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 this field without creative work should fall within the scope of protection of this application.

[0034] It should be noted that the terms "first", "second", "target", and "original" in the specification and claims of the present application and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchangeable where appropriate, so that the embodiments of the present application described herein can be implemented in an order other than that illustrated or described herein. In addition, the terms "including", "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 necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products, or devices.

[0035] It should be noted that the relevant information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for display, data for analysis, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of the relevant data comply with the relevant laws, regulations and standards of the relevant regions.

[0036] Figure 1 A flowchart of a loan approval method based on a smart contract provided in an embodiment of the present application is provided. This embodiment can be applied to scenarios where loan approval requests are approved and loans are released based on blockchain and smart contracts. A loan approval method based on a smart contract provided in this embodiment can be executed by a loan approval device based on a smart contract provided in an embodiment of the present application, which can be implemented in software and / or hardware and integrated in an electronic device that executes this method.

[0037] See also Figure 1 The method of this embodiment includes but is not limited to the following steps:

[0038] S110: Receive the borrower's loan approval request.

[0039] Among them, smart contracts are traditional contract terms written in the form of code and deployed on the blockchain platform. When the preset conditions are met, the corresponding terms can be automatically executed without human intervention. Smart contracts are designed based on the proxy contract model and can support dynamic upgrades of business logic. The smart contracts in this embodiment may include approval contracts and loan contracts. The blockchain network architecture in this embodiment can use a consortium chain as the underlying blockchain, and the participating nodes include financial institutions, regulators, borrowers, and third-party credit assessment agencies. The blockchain network can adopt the Raft consensus mechanism or the Practical Byzantine Fault Tolerance (PBFT) consensus mechanism to ensure that consensus is reached quickly in multi-party collaboration, which is suitable for high-frequency business scenarios.

[0040] In an embodiment of the present application, under a loan system architecture based on blockchain and smart contracts, the borrower initiates a loan approval request through a client application that interacts with the system front end. The client application uses a secure network transmission protocol to encrypt the loan approval request and send it to the application server gateway deployed on the blockchain network. Among them, the loan approval request may include the borrower's identity information (such as encrypted fingerprints, facial feature data, ID number, name, etc.), financial status information (such as encrypted income flow data, asset and liability data), loan purpose, expected loan amount, term and other parameters. Optionally, the encryption algorithm can use an asymmetric encryption algorithm to encrypt user sensitive data stored on the chain, allowing only authorized parties to decrypt and access.

[0041] The application server gateway performs preliminary format verification and security checks on the loan approval request. After confirming that the data complies with the system's predefined interface specifications, it converts it into a format suitable for blockchain network transmission, and uses blockchain encryption technology (such as asymmetric encryption algorithm) to re-encrypt the loan approval request and generate a digital signature to ensure the authenticity and non-repudiation of the data. Then, through the communication connection established with the blockchain node, the loan approval request is broadcast to multiple nodes in the blockchain network, which are distributed in different geographical locations, and based on a distributed consensus algorithm (such as the PBFT algorithm) to ensure data consistency and reliability, thereby completing the process of receiving the borrower's loan approval request.

[0042] S120. Based on the borrower ID in the loan approval request, obtain the historical credit record corresponding to the borrower ID from the blockchain.

[0043] In the embodiment of the present application, after receiving the loan approval request, the borrower identification information needs to be extracted from the loan approval request. The borrower identification information can be a unique identity code generated by hashing algorithm, for example, a fixed-length string obtained by hashing the borrower's ID number, mobile phone number and other key identity information; the borrower identification information can also be a public key address assigned to the borrower based on a specific digital identity system on the blockchain.

[0044] The system will locate the block nodes that store relevant credit records based on the distributed network architecture of the blockchain. After successfully establishing a connection with the block node, it is necessary to retrieve the historical credit records corresponding to the borrower ID from the blockchain ledger. Among them, the historical credit records may be in the form of key-value pairs, with the borrower ID as the key, and the corresponding credit record details (such as the number of past loans, the amount of each loan, the repayment status (including specific indicators such as the number of repayments on time, the number of overdue payments, the length of overdue payments, etc.), the credit score change history, etc.) as the value stored in the corresponding block.

[0045] S130: Approve the loan approval request based on the approval contract and historical credit records to obtain an approval result.

[0046] Specifically, the loan approval request is approved based on the approval contract and historical credit records, and the approval result is obtained, including: In order to protect data privacy, the system first calls the approval contract and uses homomorphic encryption technology to convert each data item in the historical credit record into ciphertext form and then analyzes it to obtain the credit data of the borrower's historical loans. The credit data at least includes the number of repayments on time and the number of overdue payments. For example, for the repayment record of each loan, if the repayment timestamp is within the prescribed repayment period, the count of the number of repayments on time is increased in the encrypted domain through homomorphic encryption addition operations; if the repayment timestamp exceeds the period, the count of the number of overdue payments is increased.

[0047] Loan rules are pre-built into the approval contract, such as the minimum credit standard (indicators such as the threshold of on-time repayments and the upper limit of overdue payments determined based on industry experience or institutional risk preferences) and repayment pressure standards. Using the homomorphic comparison protocol of zero-knowledge proof, it is determined whether the credit data meets the minimum credit standard in the approval contract without leaking the specific value of the encrypted data. For example, it is determined whether the number of on-time repayments is greater than or equal to the set minimum threshold, and whether the number of overdue payments is less than the set upper limit. Through the pre-established financial risk assessment model, it is determined whether the loan amount in the loan approval request meets the repayment pressure standard in the approval contract. For example, using homomorphic encryption multiplication and division operations, the ratio of monthly repayment amount to monthly income is calculated, and compared with the repayment pressure threshold set in the approval contract (such as debt-to-income ratio not exceeding 50%). The same secure homomorphic comparison technology is used to determine whether the loan amount meets the repayment pressure standard. If both are met, that is, when the credit data meets the minimum credit standard and the loan amount meets the repayment pressure standard, the approval result is determined to be approved.

[0048] Optionally, when the approval is passed, an approval report containing key information such as the approval result, loan amount, repayment period, etc. is generated. The report can also be encrypted, stored and transmitted using homomorphic encryption technology. Only authorized parties (such as lenders and borrowers) can use the corresponding private key to decrypt and view the specific content, thereby ensuring the confidentiality and integrity of the approval results.

[0049] Furthermore, after obtaining the credit data of the borrower's historical loans, it also includes: performing data calculations on the number of on-time repayments, the number of overdue payments, and the preset overdue penalty coefficient to obtain the loan amount adjustment coefficient; and taking the product of the loan amount adjustment coefficient and the preset basic amount as the adjusted loan amount. For example, the loan amount calculation formula is: loan amount = (number of on-time repayments - number of overdue payments × penalty coefficient) × basic amount.

[0050] S140. When the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective, the loan operation is executed based on the loan contract.

[0051] In the embodiment of the present application, after the approval is passed, the system also needs to determine whether the contract of the loan approval request has been signed and effective. If it has been signed and effective, the loan contract is called to verify one by one against the loan conditions pre-set in the contract based on the received approval request information, and the loan operation is executed when the verification is passed.

[0052] Specifically, the loan operation is performed based on the loan contract, including: determining whether the borrower's account in the loan approval request meets the account requirements in the loan contract, for example: whether the account is in a normal state, whether it meets the account opening standards stipulated by the platform, etc.; if it meets the account requirements, then verify whether the loan conditions in the loan contract are met. The loan conditions are determined by the loan business scenario. Different loan business scenarios correspond to different loan conditions. When the loan business scenario is a mortgage loan, the loan conditions can be mortgage registration procedures. The loan conditions can include whether the necessary handling fees have been paid and whether the relevant mortgage registration procedures have been completed. At least one of them. If the loan conditions are met, it will be connected with the fund account system on the blockchain (which may be a blockchain account system based on a financial institution, or a wallet system based on cryptocurrency, etc.), and the loan amount will be transferred from the lender's account to the borrower's account according to the authorization mechanism.

[0053] Furthermore, the loan approval method based on smart contracts also includes: generating detailed records of loan approval requests through loan contracts, and the detailed records of loan approval at least include the loan time, loan amount, loan interest, loan account, borrower account and interest calculation method; generating an on-chain storage request based on the detailed records of loan approval, and the on-chain storage request is used to store the detailed records of loan approval on the blockchain, so that the detailed records of loan approval can be written to the blockchain in the form of data records. These records will become part of the blockchain ledger. Due to the immutable and traceable characteristics of the blockchain, it is convenient for subsequent participants (including lenders, borrowers, regulators, etc.) to query and verify the authenticity and compliance of the loan at any time.

[0054] Furthermore, the smart contract may also include a repayment contract and an overdue contract. The loan approval method based on the smart contract also includes: the repayment contract generates a repayment plan corresponding to the loan approval request based on key parameters in the loan approval request, such as the loan amount, loan term, interest rate type (fixed rate or floating rate) and the agreed repayment method (equal principal and interest, equal principal or other custom methods) using a pre-programmed financial algorithm. On the repayment date in the repayment plan, it is detected whether the balance of the borrower's account is not less than the repayment amount corresponding to the repayment date; if less than, the system generates personalized repayment reminder information for prompting the borrower to repay according to the preset reminder template and the borrower's preference settings (such as the method and time of receiving reminders). The reminder content includes key information such as the repayment amount, repayment date, and overdue consequences. When the borrower fails to repay on the repayment date, the system automatically calls the overdue contract. Through the overdue contract, the time of overdue occurrence is accurately recorded through the timestamp mechanism of the blockchain to obtain the overdue days, and the penalty interest is calculated based on the overdue days.

[0055] The technical solution provided in this embodiment receives a loan approval request from a borrower; obtains the historical credit record corresponding to the borrower identifier from the blockchain based on the borrower identifier in the loan approval request; approves the loan approval request based on the approval contract and the historical credit record to obtain the approval result; when the approval result is approved and the contract corresponding to the loan approval request has been signed and effective, the loan operation is performed based on the loan contract. This application deploys smart contracts including approval contracts and loan contracts on the blockchain, which can ensure the integrity and authenticity of the data, prevent the data from being maliciously tampered with or forged, and make the data based on the entire loan approval process always reliable. This application automatically triggers the approval contract when receiving the loan approval request, automatically obtains the historical credit record according to the borrower identifier, automatically approves the request according to the preset approval contract, and automatically triggers the loan contract to perform the loan operation when the approval result is approved and the contract corresponding to the loan approval request has been signed and effective, without too much manual intervention, and can realize the automation of loan approval, improve business efficiency, and reduce information asymmetry and human errors.

[0056] In an achievable embodiment, a convenient user interface and visual data display can be provided, supporting multi-role operations, including the borrower side, the credit manager side and the regulator side. Among them, the borrower side can be built with a front-end application using a general JavaScript framework, providing loan application, repayment plan query and credit score viewing functions; a light client can be used to interact with the blockchain to simplify the user experience. The credit manager side can view the loan approval progress, risk warning information and borrower history in real time; the credit manager side can access the blockchain supervision channel and display the health status of the loan portfolio through intuitive charts. The regulator side can access the supervision data through a dedicated node, and ensure that the data is limited to legal purposes based on the permission control module.

[0057] In another feasible embodiment, a risk control and credit management layer may also be configured to dynamically assess risks through blockchain and machine learning technology to ensure the security of credit assets.

[0058] Among them, the risk assessment model can be a machine learning model trained with historical repayment data to predict the borrower's default probability in real time. Combined with transaction records on the blockchain and external data (such as third-party credit reports), the risk score is adjusted dynamically. The risk monitoring contract reads blockchain data (such as repayment status, capital flow) in real time; if anomalies are found (such as an increase in delinquency rate), an alarm is triggered and a report is generated. Using the blockchain's immutable repayment records, the credit score is dynamically updated; the score results are encrypted and stored in the blockchain, and can be shared with other financial institutions after the borrower authorizes it.

[0059] Figure 2 A schematic diagram of a loan approval device based on a smart contract provided in an embodiment of the present application is shown in FIG. Figure 2 As shown, the device 200 may include:

[0060] In one embodiment, the smart contract includes an approval contract and a loan contract;

[0061] A request receiving module 210, for receiving a loan approval request from a borrower;

[0062] A data acquisition module 220, configured to acquire, from the blockchain, a historical credit record corresponding to the borrower identifier in the loan approval request;

[0063] A request processing module 230, configured to approve the loan approval request based on the approval contract and the historical credit record to obtain an approval result;

[0064] The loan execution module 240 is used to execute the loan operation based on the loan contract when the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective.

[0065] Furthermore, the above-mentioned request processing module 230 can be specifically used to: use homomorphic encryption technology to analyze the historical credit records to obtain the credit data of the borrower's historical loans, and the credit data at least includes the number of on-time repayments and the number of overdue payments; determine whether the credit data meets the minimum credit standard in the approval contract, and determine whether the loan amount in the loan approval request meets the repayment pressure standard in the approval contract; if both are met, determine that the approval result is approved.

[0066] Furthermore, the request processing module 230 can also be specifically used to: after obtaining the credit data of the borrower's historical loans, perform data operations on the number of on-time repayments, the number of overdue payments and a preset overdue penalty coefficient to obtain a loan amount adjustment coefficient; and use the product of the loan amount adjustment coefficient and the preset basic amount as the adjusted loan amount.

[0067] Furthermore, the above-mentioned loan execution module 240 can be specifically used to: determine whether the borrower's account in the loan approval request meets the account requirements in the loan contract; if it meets the account requirements, verify whether the loan conditions in the loan contract are met, and the loan conditions are determined by the loan business scenario, and the loan conditions include at least one of the payment of handling fees and mortgage registration procedures; if the loan conditions are met, connect with the capital account system on the blockchain, and transfer the loan amount from the lender's account to the borrower's account.

[0068] Furthermore, the above-mentioned smart contract-based loan approval device may also include: an on-chain storage module;

[0069] The on-chain storage module is used to generate a detailed record of loan issuance corresponding to the loan approval request through the loan contract, and the detailed record of loan issuance includes at least the loan time, loan amount, loan interest, loan account, borrower account and interest calculation method; generate an on-chain storage request based on the detailed record of loan issuance, and the on-chain storage request is used to store the detailed record of loan issuance on the blockchain.

[0070] In one embodiment, the smart contract also includes a repayment contract and an overdue contract;

[0071] Furthermore, the above-mentioned smart contract-based loan approval device may also include: a repayment execution module;

[0072] The repayment execution module is used to generate a repayment plan corresponding to the loan approval request through the repayment contract; on the repayment date in the repayment plan, check whether the balance of the borrower's account is not less than the repayment amount corresponding to the repayment date; if less than, generate repayment reminder information to prompt the borrower to repay; when the borrower fails to repay on the repayment date, calculate penalty interest according to the number of overdue days through the overdue contract.

[0073] In one embodiment, the smart contract is designed based on a proxy contract model.

[0074] The smart contract-based loan approval device provided in this embodiment can be applied to the smart contract-based loan approval method provided in any of the above embodiments, and has corresponding functions and beneficial effects.

[0075] Figure 3 It is a block diagram of an electronic device for implementing a loan approval method based on a smart contract according to an embodiment of the present application. The electronic device 10 is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.), and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present application described and / or required herein.

[0076] like Figure 3 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0077] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0078] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a loan approval method based on a smart contract.

[0079] In some embodiments, the loan approval method based on smart contracts may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the loan approval method based on smart contracts described above may be performed. Alternatively, in other embodiments, the processor 11 may be configured to execute the loan approval method based on smart contracts in any other appropriate manner (e.g., by means of firmware).

[0080] Various embodiments of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments may include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0081] The computer programs for implementing the methods of the present application may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer programs are executed by the processor, the functions / operations specified in the flow charts and / or block diagrams are implemented. The computer programs may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0082] In the context of the present application, a computer readable storage medium may be a tangible medium that may contain or store a computer program for use by or in conjunction with an instruction execution system, device, or equipment. A computer readable storage medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or equipment, or any suitable combination of the foregoing. Alternatively, a computer readable storage medium may be a machine readable signal medium. A more specific example of a machine readable storage medium may include an electrical connection based on one or more lines, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

[0083] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0084] The systems and techniques described herein can be implemented in a computing system that includes backend components (e.g., as a data server) or a computing system that includes middleware components (e.g., an application server) or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein) or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0085] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0086] Note that the above are only preferred embodiments of the present application and the technical principles used. Those skilled in the art will understand that the present application is not limited to the specific embodiments described herein, and that various obvious changes, readjustments, and substitutions can be made by those skilled in the art without departing from the scope of protection of the present application. For example, those skilled in the art can use the various forms of processes shown above to reorder, add, or delete steps; the steps recorded in the present application can be performed in parallel, sequentially, or in different orders, as long as the desired results of the technical solution of the present application can be achieved, and this document does not limit them here.

[0087] The above specific implementations do not constitute a limitation on the protection scope of this application. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of this application should be included in the protection scope of this application.

Claims

1. A loan approval method based on smart contracts, characterized in that: The smart contract includes an approval contract and a loan contract, and the method includes: Receive loan approval requests from borrowers; Based on the borrower identifier in the loan approval request, obtain the historical credit record corresponding to the borrower identifier from the blockchain; Approving the loan approval request based on the approval contract and the historical credit record to obtain an approval result; When the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective, the loan operation is performed based on the loan contract.

2. The loan approval method based on smart contract according to claim 1, characterized in that: Approving the loan approval request based on the approval contract and the historical credit record to obtain an approval result, including: The historical credit records are analyzed using homomorphic encryption technology to obtain the credit data of the borrower's historical loans, where the credit data at least includes the number of on-time repayments and the number of overdue payments; Determining whether the credit data meets the minimum credit standard in the approval contract, and determining whether the loan amount in the loan approval request meets the repayment pressure standard in the approval contract; If both conditions are met, the approval result is determined to be approved.

3. The loan approval method based on smart contract according to claim 2 is characterized in that: After obtaining the credit data of the borrower's historical loans, it also includes: Performing data calculation on the number of on-time repayments, the number of overdue payments, and a preset overdue penalty coefficient to obtain a loan amount adjustment coefficient; The product of the loan amount adjustment coefficient and the preset basic amount is used as the adjusted loan amount.

4. The loan approval method based on smart contract according to claim 1, characterized in that: Executing a loan operation based on the loan contract includes: Determining whether the borrower's account in the loan approval request meets the account requirements in the loan agreement; If the account requirements are met, verify whether the loan conditions in the loan contract are met, where the loan conditions are determined by the loan business scenario and include at least one of the payment of a handling fee and a mortgage registration procedure; If the loan conditions are met, the system will be connected to the fund account system on the blockchain and the loan amount will be transferred from the lender's account to the borrower's account.

5. The loan approval method based on smart contract according to claim 1, characterized in that: The method further comprises: Generate a detailed record of loan disbursement corresponding to the loan approval request through the loan disbursement contract, wherein the detailed record of loan disbursement includes at least the time of loan disbursement, the amount of loan disbursement, the interest on loan disbursement, the account of the loan disbursement, the account of the borrower and the method of calculating the interest; An on-chain storage request is generated according to the detailed record of loan issuance, and the on-chain storage request is used to store the detailed record of loan issuance on the blockchain.

6. The loan approval method based on smart contract according to claim 1, characterized in that: The smart contract also includes a repayment contract and an overdue contract, and the method also includes: Generate a repayment plan corresponding to the loan approval request through the repayment contract; On the repayment date in the repayment plan, checking whether the balance of the borrower's account is not less than the repayment amount corresponding to the repayment date; If it is less than, generating a repayment reminder message for prompting the borrower to repay; When the borrower fails to repay the loan on the repayment date, penalty interest will be calculated based on the number of overdue days through the overdue contract.

7. The smart contract-based loan approval method according to any one of claims 1 to 6, characterized in that: The smart contract is designed based on the proxy contract model.

8. A loan approval device based on smart contracts, characterized in that: The smart contract includes an approval contract and a loan contract, and the device includes: A request receiving module, used to receive a loan approval request from a borrower; A data acquisition module, used to acquire the historical credit record corresponding to the borrower identifier from the blockchain based on the borrower identifier in the loan approval request; A request processing module, used to approve the loan approval request based on the approval contract and the historical credit record to obtain an approval result; The loan execution module is used to execute the loan operation based on the loan contract when the approval result is approved and the contract corresponding to the loan approval request has been signed and becomes effective.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively coupled to the at least one processor; Wherein, the memory stores a computer program executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the smart contract-based loan approval method described in any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement the smart contract-based loan approval method described in any one of claims 1 to 7 when executed.

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