WO2020098084A1 - Processing method and apparatus for loan service, and computer device - Google Patents

Abstract

Provided are a processing method and apparatus for a loan service, and a computer device. The processing method for a loan service comprises: acquiring information of a purchase contract signed between a purchaser user and a wholesaler user and down-payment and deposit voucher information; uploading the purchase contract information and the down-payment and deposit voucher information to a blockchain; after a lender user acquires the purchase contract information and the down-payment and deposit voucher information from the blockchain, and approval and verification are passed, generating a smart contract according to a loan service between the lender user and the purchaser user, and uploading the smart contract to the blockchain; and acquiring a repayment record of the repayment performed by the purchaser user according to the smart contract, and uploading the repayment record to the blockchain. According to the present application, a loan service between a purchaser user and a lender user can be realized based on blockchain technology, the trust problem of all parties can be solved, the security of the loan service can be improved, and the financing efficiency of the purchaser user can be improved.

Description

Loan business processing method, device and computer equipment

This application requires the priority of the Chinese patent application filed on November 13, 2018 in the Chinese Patent Office with the application number 201811347180.5 and the invention titled "Processing Method, Device and Computer Equipment for Loan Business", the entire contents of which are incorporated by reference in In this application.

Technical field

This application relates to the field of blockchain technology, in particular to a loan business processing method, device and computer equipment.

Background technique

With the development of modern business and financial systems, debt management has become a routine operation and development method for most enterprises or individual operators. In order to expand production and operation scale, traditional goods wholesale retailers have large financing needs. Therefore, more and more online loan platforms and personal micro-loan companies have been established and launched businesses.

However, in reality, these traditional goods wholesale retailers are difficult to finance, and the financing cost is too high; the supply side of the funds is very cautious about loans from merchants in the traditional goods wholesale and retail industry, because there are doubts about the authenticity of the contract of the capital demand side. Carry out detailed analysis and surveys of related companies; at the same time, the flow and use of funds are difficult to monitor.

Application content

The embodiments of the present application provide a loan business processing method, device and computer equipment to implement the loan business of the purchaser user and the lender user based on the blockchain technology, solve the trust problem of all parties, and improve the security of the loan business. Improve the financing efficiency of purchaser users.

In the first aspect, an embodiment of the present application provides a method for processing a loan business, including: acquiring purchase contract information and down payment voucher information signed by a purchaser user and a wholesaler user; and converting the purchase contract information and down payment deposit information The credential information is uploaded to the blockchain, and the lender user is authorized to view it; after the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain, and after passing the review, according to the loan The loan business between the purchaser user and the purchaser user generates a smart contract and uploads the smart contract to the blockchain; obtaining a repayment record for the purchaser user to repay according to the smart contract, Upload the repayment record to the blockchain.

In a second aspect, an embodiment of the present application provides a loan business processing device, including: an acquisition module for acquiring purchase contract information and down payment deposit voucher information signed by a purchaser user and a wholesaler user; an upload module for The purchase contract information and down payment deposit voucher information acquired by the acquisition module are uploaded to the blockchain and authorized by the lender user to view; a generation module is used to acquire the purchase from the blockchain by the lender user Cargo contract information and down payment deposit voucher information, and after approval, generate a smart contract based on the loan business between the lender user and the purchaser user; the upload module is also used to generate The smart contract is uploaded to the blockchain; the acquisition module is also used to acquire a repayment record of the purchaser user's repayment according to the smart contract; the upload module is also used to upload the acquisition module The obtained repayment record is uploaded to the blockchain.

In a third aspect, an embodiment of the present application provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, Implement the method described above.

According to a fourth aspect, an embodiment of the present application provides a computer non-volatile readable storage medium on which a computer program is stored, and when the computer program is executed by a processor, the method as described above is implemented.

In the above technical solution, after obtaining the purchase contract information and down payment deposit voucher information signed by the purchaser user and the wholesaler user, upload the above purchase contract information and down payment deposit voucher information to the blockchain, and authorize the lender user to view, After the lender user obtains the above-mentioned purchase contract information and down payment deposit voucher information from the above-mentioned blockchain, and passes the review, a smart contract is generated based on the loan business between the above-mentioned lender user and the above-mentioned purchaser user, and the The contract is uploaded to the blockchain to obtain the repayment record of the purchaser user's repayment according to the above smart contract, and the above repayment record is uploaded to the blockchain, so that the purchaser user and the lender user can be realized based on the blockchain technology Loan business, solve the trust problem of all parties, improve the security of loan business, and improve the financing efficiency of purchasers' users.

BRIEF DESCRIPTION

In order to more clearly explain the technical solutions of the embodiments of the present application, the following will briefly introduce the drawings required in the embodiments. Obviously, the drawings in the following description are only some embodiments of the present application. Those of ordinary skill in the art can obtain other drawings based on these drawings without creative efforts.

FIG. 1 is a flowchart of an embodiment of a method for processing loan application;

2 is a flowchart of another embodiment of a method for processing loan application business;

FIG. 3 is a flowchart of still another embodiment of a processing method for loan application business;

4 is a flowchart of still another embodiment of a method for processing loan application business;

FIG. 5 is a flowchart of still another embodiment of a processing method for loan application business;

6 is a schematic structural diagram of an embodiment of a processing device for loan application;

7 is a schematic structural diagram of another embodiment of a processing device for loan application;

8 is a schematic structural diagram of an embodiment of a computer device of the present application.

detailed description

In order to better understand the technical solution of the present application, the following describes the embodiments of the present application in detail with reference to the accompanying drawings.

It should be clear that the described embodiments are only a part of the embodiments of the present application, but not all the embodiments. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without making creative efforts fall within the scope of protection of this application.

The terms used in the embodiments of the present application are only for the purpose of describing specific embodiments, and are not intended to limit the present application. The singular forms "a", "said" and "the" used in the embodiments of the present application and the appended claims are also intended to include the majority forms unless the context clearly indicates other meanings.

FIG. 1 is a flowchart of an embodiment of a method for processing loan applications. As shown in FIG. 1, the method for processing loan services may include:

Step 101: Obtain the purchase contract information and down payment voucher information signed between the purchaser user and the wholesaler user.

Step 102, upload the above purchase contract information and down payment deposit voucher information to the blockchain, and authorize the lender user to view it.

Specifically, after the purchaser user signs a purchase contract with the wholesaler user and pays the down payment for the purchase, the purchase contract information and the down payment voucher information signed by the purchaser user and the wholesaler user can be obtained. Then upload the acquired purchase contract information and down payment deposit voucher information to the blockchain. Further, the lender user can be authorized to view the above purchase contract information and down payment deposit voucher information.

In specific implementation, the above purchase contract information and down payment deposit voucher information can be packaged into a block, a unique identifier is set for the above block, and then the above block is uploaded to the blockchain.

Step 103: After the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain, and passes the review, a smart contract is generated based on the loan business between the lender user and the purchaser user, and Upload the above smart contract to the above blockchain.

Specifically, after the lender user receives the loan application from the purchaser user, the purchase contract information and down payment deposit voucher information can be obtained from the blockchain, and after the above information is reviewed and approved, the lender user can be The loan business with the above purchaser user generates a smart contract and uploads the above smart contract to the above blockchain.

Similarly, in specific implementation, the above-mentioned smart contract can be uploaded to the block corresponding to the above-mentioned unique identifier in the blockchain, so that the lender user can conveniently view the above-mentioned smart contract of the loan business on the blockchain.

Step 104: Obtain the repayment record of the purchaser user according to the above smart contract, and upload the above repayment record to the above-mentioned blockchain.

In this embodiment, after the purchaser user performs the repayment operation according to the above smart contract, the purchaser user's repayment record can be obtained, and then the above repayment record can be uploaded to the blockchain. Specifically, the repayment record can be uploaded to the block corresponding to the unique identifier in the block chain.

In the processing method of the above loan business, after acquiring the purchase contract information and down payment deposit voucher information signed by the purchaser user and the wholesaler user, upload the above purchase contract information and down payment deposit voucher information to the blockchain, and authorize the lender The user checks that after the lender user obtains the above-mentioned purchase contract information and down payment deposit voucher information from the above-mentioned blockchain, and after approval, a smart contract is generated based on the loan business between the above-mentioned lender user and the above-mentioned purchaser user, and Upload the above smart contract to the blockchain, obtain the repayment record of the purchaser user according to the above smart contract, and upload the above repayment record to the blockchain, so that the purchaser user and the The loan business of the lender user solves the trust problem of all parties, improves the security of the loan business, and improves the financing efficiency of the purchaser user.

FIG. 2 is a flowchart of another embodiment of a method for processing loan applications, as shown in FIG. 2, in the embodiment shown in FIG. 1 of this application, step 103 may include:

Step 201: After the lender user obtains the above-mentioned purchase contract information and down payment deposit voucher information from the above-mentioned blockchain, and passes the approval, the smart contract template corresponding to the above-mentioned loan business is selected from the smart contract templates provided by the above-mentioned blockchain .

Step 202: Fill in the default variables in the smart contract template according to the loan amount of the loan business, the repayment method and the repayment account of the purchaser user to generate the smart contract.

Among them, the loan amount of the above loan business can be the total amount loaned by the purchaser user from the lender user; repayment methods can include: repayment frequency (monthly or quarterly repayment), repayment amount for each repayment .

Step 203: Upload the smart contract to the blockchain.

FIG. 3 is a flowchart of still another embodiment of a method for processing loan applications. As shown in FIG. 3, in the embodiment shown in FIG. 2 of this application, after step 202, the method may further include:

Step 301: Obtain a loan record of the lender user according to the loan amount to the wholesaler user.

Step 302: Upload the above loan record to the above blockchain.

That is to say, after the smart contract is generated, the lender user can directly lend to the wholesaler user according to the above loan amount, and after obtaining the loan record of the above lender user, the above loan record can be uploaded to the above blockchain and the above Uniquely identify the corresponding block.

FIG. 4 is a flowchart of still another embodiment of a method for processing loan applications. As shown in FIG. 4, in the embodiment shown in FIG. 1 of this application, after step 104, the method may further include:

Step 401: Update the credit information of the purchaser user in the blockchain. The credit information of the purchaser user is an authorized credit information agency to obtain the repayment record of the purchaser user from the blockchain, based on The above repayment record is determined.

Specifically, after uploading the repayment record to the blockchain, the authorized credit bureau can obtain the repayment record of the purchaser user from the blockchain, and then determine the purchaser user ’s Credit information.

Further, the credit information of the purchaser user can be uploaded to the block corresponding to the unique identifier in the blockchain, so that the lender user can conveniently view the intelligence of the lender user and the purchaser user through the blockchain The contract, the commercial qualification of the purchaser user in the industrial and commercial department, and the credit information of the purchaser user mentioned above, facilitate the lender user to understand the authenticity of the purchaser user's loan use, and help to resolve the trust between the lender user and the purchaser user problem.

FIG. 5 is a flowchart of still another embodiment of a method for processing loan applications. As shown in FIG. 5, in the embodiment shown in FIG. 3 of this application, after step 104, the method may further include:

Step 501: Determine the flow of funds based on the down payment deposit voucher information, repayment records, and loan records on the blockchain.

Step 502: Send the determined capital flow to the terminal device corresponding to the regulatory agency.

In this embodiment, the down payment deposit voucher information, repayment records and loan records are saved on the blockchain, so that the capital flow can be determined according to the down payment deposit voucher information, repayment records and loan records, and then the determined fund flow is sent to the supervision The terminal equipment corresponding to the institution, so as to monitor the flow of funds.

The above-mentioned loan business processing method provided in this embodiment implements the management of the entire process of the loan business, adding purchaser users, wholesaler users, lender users, credit bureaus, and regulatory agencies to solve the trust problem of all parties. , Which improves the security of the loan business, which in turn can increase the financing efficiency of purchasers ’users.

FIG. 6 is a schematic structural diagram of an embodiment of a loan application processing device. The loan service processing device in this embodiment may implement the loan service processing method provided in the embodiment of the present application. As shown in FIG. 6, the above loan business processing device may include: an acquisition module 61, an upload module 62, and a generation module 63;

The obtaining module 61 is used to obtain the purchase contract information and down payment voucher information signed by the purchaser user and the wholesaler user;

The upload module 62 is used to upload the purchase contract information and down payment deposit voucher information acquired by the acquisition module 61 to the blockchain, and authorize the lender user to view;

Specifically, after the purchaser user signs the purchase contract with the wholesaler user and pays the down payment for the purchase, the obtaining module 61 can obtain the purchase contract information and the down payment voucher information signed by the purchaser user and the wholesaler user. Then the upload module 62 uploads the purchase contract information and down payment deposit voucher information obtained by the acquisition module 61 to the blockchain, and further, the lender user may be authorized to view the above purchase contract information and down payment deposit voucher information.

In a specific implementation, the upload module 62 may package the above purchase contract information and down payment deposit voucher information into a block, set a unique identifier for the above block, and then upload the above block to the blockchain.

The generating module 63 is used to generate the loan business between the lender user and the purchaser user after the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain and passes the review. Smart contract

The upload module 62 is also used to upload the smart contract generated by the generation module 63 to the above-mentioned blockchain;

Specifically, after the lender user receives the loan application from the purchaser user, the purchase contract information and down payment deposit voucher information can be obtained from the blockchain, and after the above information is approved, the generation module 63 can The loan business between the lender user and the purchaser user generates a smart contract, and the upload module 62 uploads the smart contract to the blockchain.

Similarly, in a specific implementation, the upload module 62 may upload the above-mentioned smart contract to the block corresponding to the above-mentioned unique identifier in the blockchain, thereby facilitating the lender user to view the above-mentioned smart contract of the loan business on the blockchain.

The obtaining module 61 is also used to obtain the repayment record of the purchaser user according to the above smart contract;

The upload module 62 is also used to upload the repayment record acquired by the acquisition module 61 to the above-mentioned blockchain.

In this embodiment, after the purchaser user performs the repayment operation according to the above smart contract, the obtaining module 61 can obtain the repayment record of the purchaser user, and then the upload module 62 uploads the repayment record to the blockchain. Specifically, the upload module 62 may upload the repayment record to the block corresponding to the unique identifier in the block chain.

In the processing device of the above loan business, the acquisition module 61 acquires the purchase contract information and down payment voucher information signed by the purchaser user and the wholesaler user, and the upload module 62 uploads the above purchase contract information and down payment voucher information to the block Chain, and authorize the lender user to view, after the lender user obtains the above purchase contract information and down payment deposit voucher information from the above blockchain, and the approval is passed, the generation module 63 is based on the lender user and the purchaser user The smart loan contract is generated between the loan business, and the upload module 62 uploads the above smart contract to the blockchain, the acquisition module 61 acquires the repayment record of the purchaser's repayment according to the above smart contract, and the upload module 62 records the above repayment record Upload to the blockchain, which can realize the loan business of the purchaser user and the lender user based on the blockchain technology, solve the trust problem of all parties, improve the security of the loan business, and improve the financing efficiency of the purchaser user.

FIG. 7 is a schematic structural diagram of another embodiment of a loan application processing device. Compared with the loan transaction processing device shown in FIG. 6, the difference is that the loan transaction processing device shown in FIG. 7 generates The module 63 may include: selecting a submodule 631 and filling in a submodule 632;

Among them, the selection submodule 631 is used to select the smart contract template corresponding to the above loan business from the smart contract templates provided by the above blockchain;

The filling submodule 632 is used to fill in the default variables in the smart contract template according to the loan amount of the loan business, the repayment method and the repayment account of the purchaser user to generate the smart contract.

Among them, the loan amount of the above loan business can be the total amount loaned by the purchaser user from the lender user; repayment methods can include: repayment frequency (monthly or quarterly repayment), repayment amount for each repayment .

Further, the obtaining module 61 is further used to obtain the loan record of the loan user to the wholesaler user according to the loan amount after the generation module 63 generates the smart contract;

The upload module 62 is also used to upload the above loan records to the above blockchain.

Further, the above loan business processing device may further include: an update module 64;

The update module 64 is used to update the credit information of the purchaser user in the blockchain after the uploading module 62 uploads the repayment record to the blockchain, the credit information of the purchaser user is authorized The credit information agency obtains the repayment record of the purchaser user from the blockchain, and is determined according to the repayment record.

Specifically, after the upload module 62 uploads the repayment record to the blockchain, the authorized credit bureau can obtain the repayment record of the purchaser user from the blockchain, and then determine the purchase based on the repayment record Credit information of other users.

Further, the update module 64 can upload the credit information of the purchaser user to the block corresponding to the unique identifier in the block chain, thereby facilitating the lender user to view the lender user and the purchaser through the block chain The user ’s smart contract, the purchaser ’s business qualifications in the industrial and commercial department, and the above-mentioned purchaser ’s credit information are convenient for the lender user to understand the authenticity of the purchaser ’s loan use, which is beneficial to solve the problem Trust issues.

Further, the foregoing loan business processing device may further include: a determination module 65 and a sending module 66;

The determination module 65 is used to determine the flow of funds after the upload module 62 uploads the repayment record to the blockchain, based on the information of the down payment voucher, the repayment record, and the loan record on the blockchain;

The sending module 66 is used to send the determined capital flow to the terminal device corresponding to the regulatory agency.

In this embodiment, the down payment deposit voucher information, repayment records and loan records are saved on the blockchain, so that the determination module 65 can determine the flow of funds according to the down payment deposit voucher information, repayment records and loan records, and then the sending module 66 will determine The flow of funds is sent to the terminal device corresponding to the regulatory agency, so as to realize the supervision of the flow of funds.

The above-mentioned loan business processing device provided in this embodiment implements the management of the entire process of the loan business, adding purchaser users, wholesaler users, lender users, credit bureaus, and regulatory agencies to solve the trust problem of all parties. , Which improves the security of the loan business, which in turn can increase the financing efficiency of purchasers ’users.

8 is a schematic structural diagram of an embodiment of a computer device of the present application. The computer device may include a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, The method for processing loan business provided by the embodiments of the present application may be implemented.

The above-mentioned computer device may be a server, such as a cloud server, or an electronic device, such as a smart phone, a personal computer (Personal Computer (hereinafter referred to as PC), or a tablet computer, etc.). The specific form is not limited.

FIG. 8 shows a block diagram of an exemplary computer device 12 suitable for implementing embodiments of the present application. The computer device 12 shown in FIG. 8 is only an example, and should not bring any limitation to the functions and use scope of the embodiments of the present application.

As shown in FIG. 8, the computer device 12 is represented in the form of a general-purpose computing device. The components of the computer device 12 may include, but are not limited to, one or more processors or processing units 16, a system memory 28, and a bus 18 connecting different system components (including the system memory 28 and the processing unit 16).

The bus 18 represents one or more of several types of bus structures, including a memory bus or memory controller, a peripheral bus, a graphics acceleration port, a processor, or a local bus that uses any of a variety of bus structures. For example, these architectures include, but are not limited to, industry standard architecture (Industry Standard Architecture; ISA for short) bus, micro channel architecture (Micro Channel Architecture; hereinafter for short: MAC) bus, enhanced ISA bus, video electronics Standard Association (Video Electronics Standards Association; hereinafter referred to as: VESA) local bus and peripheral component interconnection (Peripheral Component Interconnection; hereinafter referred to as: PCI) bus.

Computer device 12 typically includes a variety of computer system readable media. These media may be any available media that can be accessed by the computer device 12, including volatile and non-volatile media, removable and non-removable media.

The system memory 28 may include a computer system readable medium in the form of volatile memory, such as random access memory (Random Access Memory; hereinafter referred to as RAM) 30 and / or cache memory 32. The computer device 12 may further include other removable / non-removable, volatile / nonvolatile computer system storage media. Merely by way of example, the storage system 34 may be used to read and write non-removable, non-volatile magnetic media (not shown in FIG. 8 and is commonly referred to as a "hard disk drive"). Although not shown in FIG. 8, a disk drive for reading and writing to a removable non-volatile magnetic disk (for example, “floppy disk”), and a removable non-volatile optical disk (for example: compact disk read-only memory (Compact) Disc Read Only Memory (hereinafter referred to as CD-ROM), digital multi-function read-only disc (Digital Video Disc Read Only (hereinafter referred to as DVD-ROM) or other optical media) read and write optical disc drive. In these cases, each drive may be connected to the bus 18 via one or more data media interfaces. The memory 28 may include at least one program product having a set of (eg, at least one) program modules that are configured to perform the functions of the embodiments of the present application.

A program / utility tool 40 having a set of (at least one) program modules 42 may be stored in, for example, the memory 28. Such program modules 42 include, but are not limited to, an operating system, one or more application programs, and other programs Modules and program data, each of these examples or some combination may include the implementation of the network environment. The program module 42 generally performs the functions and / or methods in the embodiments described in this application.

The computer device 12 may also communicate with one or more external devices 14 (such as a keyboard, pointing device, display 24, etc.), and may also communicate with one or more devices that enable a user to interact with the computer device 12, and / or with This allows the computer device 12 to communicate with any device (such as a network card, modem, etc.) that communicates with one or more other computing devices. This communication can be performed through an input / output (I / O) interface 22. In addition, the computer device 12 can also be connected to one or more networks (such as a local area network (Local Area Network; hereinafter referred to as LAN), wide area network (Wide Area Network; hereinafter referred to as WAN) and / or a public network such as the Internet through the network adapter 20. ) Communication. As shown in FIG. 8, the network adapter 20 communicates with other modules of the computer device 12 via the bus 18. It should be understood that although not shown in FIG. 8, other hardware and / or software modules may be used in conjunction with the computer device 12, including but not limited to: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape Drives and data backup storage systems, etc.

The processing unit 16 executes various functional applications and data processing by running the program stored in the system memory 28, for example, to implement the loan business processing method provided by the embodiment of the present application.

Embodiments of the present application also provide a computer non-volatile readable storage medium on which a computer program is stored. When the above computer program is executed by a processor, the loan business processing method provided by the embodiment of the present application can be implemented.

The above-mentioned computer non-volatile storage medium may adopt any combination of one or more computer-readable media. The computer-readable medium may be a computer-readable signal medium or a computer-readable storage medium. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of computer-readable storage media (non-exhaustive list) include: electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read-only memory (Read Only Memory) ; Hereinafter referred to as: ROM), erasable programmable read-only memory (Erasable Programmable Read Only; hereinafter referred to as: EPROM) or flash memory, optical fiber, portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic memory Pieces, or any suitable combination of the above. In this document, the computer-readable storage medium may be any tangible medium that contains or stores a program, and the program may be used by or in combination with an instruction execution system, apparatus, or device.

The computer-readable signal medium may include a data signal that is propagated in baseband or as part of a carrier wave, in which computer-readable program code is carried. This propagated data signal can take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, and the computer-readable medium may send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device. .

The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wire, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

The computer program code for performing the operations of the present application may be written in one or more programming languages or a combination thereof, and the programming languages include object-oriented programming languages such as Java, Smalltalk, C ++, as well as conventional Procedural programming language-such as "C" language or similar programming language. The program code may be executed entirely on the user's computer, partly on the user's computer, as an independent software package, partly on the user's computer and partly on a remote computer, or entirely on the remote computer or server. In cases involving remote computers, the remote computer can be connected to the user's computer through any kind of network, including a local area network (Local Area Network; hereinafter referred to as LAN) or wide area network (Wide Area Network; hereinafter referred to as WAN), or, it can Connect to an external computer (for example, using an Internet service provider to connect through the Internet).

In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means specific features described in conjunction with the embodiments or examples , Structure, material or characteristic is included in at least one embodiment or example of the present application. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. In addition, without contradicting each other, those skilled in the art may combine and combine different embodiments or examples and features of the different embodiments or examples described in this specification.

In addition, the terms “first” and “second” are used for description purposes only, and cannot be understood as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, the features defined with "first" and "second" may include at least one of the features either explicitly or implicitly. In the description of this application, the meaning of "plurality" is at least two, such as two, three, etc., unless otherwise specifically limited.

Any process or method description in a flowchart or otherwise described herein may be understood as representing a module, segment, or portion of code that includes one or more executable instructions for implementing custom logic functions or steps of a process , And the scope of the preferred embodiment of the present application includes additional implementations, in which the functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in reverse order according to the functions involved, which shall It is understood by those skilled in the art to which the embodiments of the present application belong.

Depending on the context, the word "if" as used herein can be interpreted as "when" or "when" or "in response to determination" or "in response to detection". Similarly, depending on the context, the phrases "if determined" or "if detected (statement or event stated)" can be interpreted as "when determined" or "in response to determination" or "when detected (statement or event stated) ) "Or" in response to detection (statement or event stated) ".

It should be noted that the terminals involved in the embodiments of the present application may include, but are not limited to, personal computers (Personal Computer; hereinafter referred to as PC), personal digital assistants (Personal Digital Assistant; hereinafter referred to as PDA), wireless handheld devices, and tablets Computer (Tablet Computer), mobile phone, MP3 player, MP4 player, etc.

In the several embodiments provided in this application, it should be understood that the disclosed system, device, and method may be implemented in other ways. For example, the device embodiments described above are only schematic. For example, the division of the unit is only a logical function division. In actual implementation, there may be another division manner, for example, multiple units or components may be combined Or it can be integrated into another system, or some features can be ignored or not implemented. In addition, the displayed or discussed mutual coupling or direct coupling or communication connection may be indirect coupling or communication connection through some interfaces, devices or units, and may be in electrical, mechanical or other forms.

In addition, each functional unit in each embodiment of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units may be integrated into one unit. The above integrated unit can be implemented in the form of hardware, or in the form of hardware plus software functional units.

The above integrated unit implemented in the form of a software functional unit may be stored in a computer-readable storage medium. The above software functional unit is stored in a storage medium, and includes several instructions to enable a computer device (which may be a personal computer, a server, or a network device, etc.) or a processor (Processor) to perform the methods described in the embodiments of the present application Partial steps. The aforementioned storage media include: U disk, mobile hard disk, read-only memory (Read-Only Memory; hereinafter referred to as ROM), random access memory (Random Access Memory; hereinafter referred to as RAM), magnetic disk or optical disk, etc. A medium that can store program codes.

The above are only the preferred embodiments of this application and are not intended to limit this application. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this application should be included in this application Within the scope of protection.

Claims (20)

A method for processing loan business is characterized by including: Obtain the purchase contract information and down payment deposit voucher information signed by the purchaser user and the wholesaler user; Upload the purchase contract information and down payment deposit voucher information to the blockchain, and authorize the lender user to view; After the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain, and passes the review, an intelligence is generated based on the loan business between the lender user and the purchaser user Contract and upload the smart contract to the blockchain; Obtain the repayment record of the purchaser user according to the smart contract, and upload the repayment record to the blockchain. The method according to claim 1, wherein the generating a smart contract according to the loan business between the lender user and the purchaser user comprises: Select the smart contract template corresponding to the loan business from the smart contract templates provided by the blockchain; According to the loan amount of the loan business, the repayment method and the repayment account of the purchaser user, fill in the default variables in the smart contract template to generate the smart contract. The method according to claim 2, wherein after generating the smart contract, the method further comprises: Obtaining a loan record of the lender user according to the loan amount to the wholesaler user; Upload the loan history to the blockchain. The method according to claim 1, wherein after uploading the repayment record to the blockchain, the method further comprises: Update the credit information of the purchaser user in the blockchain, the credit information of the purchaser user is an authorized credit information agency to obtain the repayment record of the purchaser user from the blockchain , Determined according to the repayment record. The method according to claim 3, wherein after uploading the repayment record to the blockchain, the method further comprises: Determine the flow of funds according to the down payment deposit voucher information, the repayment record and the loan record on the blockchain; Send the determined flow of funds to the terminal device corresponding to the regulatory agency. A loan business processing device, characterized in that it includes: The acquisition module is used to acquire the purchase contract information and down payment voucher information signed by the purchaser user and the wholesaler user; The upload module is used to upload the purchase contract information and the down payment voucher information obtained by the obtaining module to the blockchain, and authorize the lender user to view; The generating module is used for the lender user to obtain the purchase contract information and the down payment deposit voucher information from the blockchain, and after approval, according to the relationship between the lender user and the purchaser user Of the loan business generates smart contracts; The upload module is also used to upload the smart contract generated by the generation module to the blockchain; The obtaining module is also used to obtain a repayment record of the purchaser user's repayment according to the smart contract; The upload module is also used to upload the repayment record acquired by the acquisition module to the blockchain. The apparatus according to claim 6, wherein the generating module comprises: A selection sub-module for selecting a smart contract template corresponding to the loan business from the smart contract templates provided by the blockchain; The filling submodule is used to fill in the default variables in the smart contract template according to the loan amount of the loan business, the repayment method and the repayment account of the purchaser user to generate the smart contract. The device according to claim 7, characterized in that The obtaining module is further configured to obtain a loan record of the loan user to the wholesaler user according to the loan amount after the generation module generates the smart contract; The upload module is also used to upload the loan record to the blockchain. The device according to claim 6, further comprising: An update module for updating the credit information of the purchaser user in the blockchain after the uploading module uploads the repayment record to the blockchain The information is obtained by the authorized credit reporting agency from the blockchain to obtain the repayment record of the purchaser user, and is determined according to the repayment record. The device according to claim 8, further comprising: The determining module is configured to, after the uploading module uploads the repayment record to the blockchain, according to the down payment deposit voucher information on the blockchain, the repayment record and the loan record To determine the flow of funds; The sending module is used to send the determined capital flow to the terminal device corresponding to the regulatory agency. An electronic device, characterized in that the electronic device includes a memory, a processor, and a computer program stored on the memory and executable on the processor; When the processor executes the computer program, it is used to obtain the purchase contract information and down payment voucher information signed by the purchaser user and the wholesaler user, and upload the purchase contract information and down payment voucher information to the blockchain And authorize the lender user to view, after the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain, and after passing the review, according to the lender user and the purchaser The loan business between users generates a smart contract and uploads the smart contract to the blockchain to obtain a repayment record of the purchaser user's repayment according to the smart contract and upload the repayment record To the blockchain. The electronic device according to claim 11, wherein the processor is configured to generate a smart contract according to the loan business between the lender user and the purchaser user: The processor is specifically used to select a smart contract template corresponding to the loan business from the smart contract templates provided by the blockchain; according to the loan amount of the loan business, the repayment method and the purchaser user ’s To repay the account, fill in the default variables in the smart contract template to generate the smart contract. The electronic device according to claim 12, characterized in that The processor is further configured to obtain a loan record of the lender user's loan to the wholesaler user according to the loan amount after the smart contract is generated, and upload the loan record to the blockchain . The electronic device according to claim 11, characterized in that The processor is further configured to update the credit information of the purchaser user in the blockchain after uploading the repayment record to the blockchain, and the credit information of the purchaser user It is an authorized credit information agency that obtains the repayment record of the purchaser user from the blockchain and determines it based on the repayment record. The electronic device according to claim 13, characterized in that The processor is further configured to upload the repayment record to the blockchain, according to the down payment deposit voucher information on the blockchain, the repayment record, and the loan record, Determine the flow of funds; send the determined flow of funds to the terminal device corresponding to the regulatory agency. A computer non-volatile readable storage medium, the readable storage medium including a computer program, characterized in that, when the computer program is executed by a processor, the following steps are implemented: Obtain the purchase contract information and down payment deposit voucher information signed by the purchaser user and the wholesaler user; Upload the purchase contract information and down payment deposit voucher information to the blockchain, and authorize the lender user to view; After the lender user obtains the purchase contract information and down payment deposit voucher information from the blockchain, and passes the review, an intelligence is generated based on the loan business between the lender user and the purchaser user Contract and upload the smart contract to the blockchain; Obtain the repayment record of the purchaser user according to the smart contract, and upload the repayment record to the blockchain. The computer non-volatile readable storage medium according to claim 16, wherein when the computer program is executed by the processor, the loan between the lender user and the purchaser user is realized The steps for the business to generate a smart contract include: Select the smart contract template corresponding to the loan business from the smart contract templates provided by the blockchain; According to the loan amount of the loan business, the repayment method and the repayment account of the purchaser user, fill in the default variables in the smart contract template to generate the smart contract. The computer non-volatile readable storage medium according to claim 17, wherein when the computer program is executed by the processor, after the smart contract is generated, the following steps are further implemented: Obtaining a loan record of the lender user according to the loan amount to the wholesaler user; Upload the loan history to the blockchain. The computer non-volatile storage medium according to claim 16, wherein when the computer program is executed by the processor, after the repayment record is uploaded to the blockchain, it is also implemented as follows step: Update the credit information of the purchaser user in the blockchain, the credit information of the purchaser user is an authorized credit information agency to obtain the repayment record of the purchaser user from the blockchain , Determined according to the repayment record. The computer non-volatile storage medium according to claim 18, characterized in that, when the computer program is executed by the processor, after the repayment record is uploaded to the blockchain, it is also implemented as follows step: Determine the flow of funds according to the down payment deposit voucher information, the repayment record and the loan record on the blockchain; Send the determined flow of funds to the terminal device corresponding to the regulatory agency.

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