CN108898478A - Borrow or lend money method and system, equipment and storage medium - Google Patents
Borrow or lend money method and system, equipment and storage medium Download PDFInfo
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- CN108898478A CN108898478A CN201810685473.8A CN201810685473A CN108898478A CN 108898478 A CN108898478 A CN 108898478A CN 201810685473 A CN201810685473 A CN 201810685473A CN 108898478 A CN108898478 A CN 108898478A
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Abstract
The present invention provides a kind of debt-credit method and system, equipment and storage medium, this method：Loan requests information is sent to the node of the first block chain, the intelligent contract of debt-credit is triggered jointly with the solicited message of lending sent on the first block chain with lending side's terminal；Signature generates informal voucher receipt, and informal voucher receipt is issued to the consignee for borrowing or lending money intelligent contract agreement, for consignee consignee's platform after acknowledgement informal voucher receipt, acknowledgement information is sent to lending side's terminal, so that lending side's terminal pays loan money by the channel of disbursement of consignee after receiving acknowledgement information, so that informal voucher receipt is transferred lending side after confirmation payment by consignee's platform.The present invention provides the debt-credit solution that block chain technology can be combined to carry out franc debt-credit in the case where franc not cochain for debtor and creditor.
Description
Technical field
This application involves internet financial technology fields, and in particular to a kind of debt-credit method and system, equipment and storage are situated between
Matter.
Background technique
The demand of current personalized lending is very vigorous, and all kinds of finance companies legally or illegally, on line or under line, loan are flat
Platform emerges one after another.Traditional debt-credit mode deposits that card is easy to be lost, exists and the risks such as is tampered, by having in conjunction with block chain technology
Prestige can overcome these defects, however be traded, due to generalling use encryption currency on block chain in many countries and regions
Due to policy reasons cause franc that cannot go up block chain etc., cause to may be implemented currently without a kind of in franc not cochain
Under the premise of, the debt-credit solution that franc is borrowed or lent money is realized in conjunction with block chain technology.And borrowed or lent money compared to franc, encrypt money loan
Defect be it will be evident that one side lender need after debt-credit again counterparty can get franc, it is very inconvenient；Another party
Face, due to there is many kinds of very different encryption currency in the market, the value for encrypting currency is also fast changing, double to borrow or lend money
Side adds many risks and inconvenience.
Summary of the invention
In view of drawbacks described above in the prior art or deficiency, being intended to provide one kind can tie in the case where franc not cochain
Close debt-credit method and system, equipment and storage medium that block chain technology realizes franc debt-credit.
In a first aspect, the present invention provides a kind of debt-credit method suitable for lender, including：
Loan requests information is sent to the node of the first block chain, with what is sent on the first block chain with lending side's terminal
It lends solicited message and triggers the intelligent contract of debt-credit jointly；
Signature generates informal voucher receipt, and informal voucher receipt is issued to the consignee for borrowing or lending money intelligent contract agreement, for being commissioned
Consignee's platform of side sends acknowledgement information after acknowledgement informal voucher receipt, to lending side's terminal, so that lending side's terminal is receiving
Loan money is paid by the channel of disbursement of consignee after acknowledgement information, so that consignee's platform receives informal voucher after confirmation payment
According to transferring lending side.
Second aspect, the present invention provide a kind of debt-credit method suitable for lending side, including：
It sends out to the node of the first block chain by means of solicited message, with whole with the lender of lender on the first block chain
The loan requests information that end is sent triggers the intelligent contract of debt-credit jointly；
The consignee's platform for receiving consignee sends breath of collecting mail really after acknowledgement informal voucher receipt, passes through the payment of consignee
Channel pays loan money to lender；Wherein, informal voucher receipt is signed after intelligent contract is borrowed or lent money in triggering by lender terminal and is given birth to
At and be issued to and borrow or lend money the consignee of intelligent contract agreement；
Receive the informal voucher receipt that consignee's platform is transferred the possession of after confirmation payment.
The third aspect, the present invention provide a kind of debt-credit method suitable for consignee, including：
Reception lender terminal triggers signature generation and the informal voucher receipts provided after the intelligent contract of debt-credit on the first block chain
According to generation acknowledgement information；What the loan requests information and lending side's terminal that the intelligent contract of debt-credit is sent by debt-credit side's terminal were sent
Solicited message is lent to trigger jointly；
Acknowledgement information is sent to lending side's terminal, so that lending side's terminal is closed after receiving acknowledgement information by debt-credit intelligence
The channel of disbursement of the consignee arranged pays loan money；
It is monitored and is paid by channel of disbursement, and informal voucher receipt is transferred into lending side after confirmation payment.
Fourth aspect, the present invention provide a kind of lender terminal, including loan requests unit and receipt issuing unit.
Loan requests unit is configured to send loan requests information to the node of the first block chain, in the first block chain
The solicited message of lending of upper and lending side's terminal transmission triggers the intelligent contract of debt-credit jointly；
Receipt issuing unit is configured to signature and generates informal voucher receipt, and informal voucher receipt is issued to the intelligent contract of debt-credit about
Fixed consignee, for consignee consignee's platform after acknowledgement informal voucher receipt, to lending side's terminal send acknowledgement information, with
It confesses debit's terminal and loan money is paid by the channel of disbursement of consignee after receiving acknowledgement information, so that consignee's platform exists
Informal voucher receipt is transferred into lending side after confirmation payment.
5th aspect, the present invention provide a kind of lending side's terminal, including lend request unit, Payment Unit and receipt and receive
Unit.
It lends request unit to be configured to send out to the node of the first block chain by means of solicited message, in the first block chain
The loan requests information that upper and lender lender terminal is sent triggers the intelligent contract of debt-credit jointly；
Consignee's platform that Payment Unit is configured to receive consignee sends breath of collecting mail really after acknowledgement informal voucher receipt,
Loan money is paid to lender by the channel of disbursement of consignee；Wherein, informal voucher receipt is borrowed or lent money by lender terminal in triggering
Signature generates and is issued to the consignee for borrowing or lending money intelligent contract agreement after intelligent contract；
Receipt receiving unit is configured to receive the informal voucher receipt that consignee's platform is transferred the possession of after confirmation payment.
6th aspect, the present invention provide a kind of consignee's platform, including receipt acknowledgement unit, advice of payment unit, payment
Monitoring unit and receipt transfer the possession of unit.
Receipt acknowledgement unit is configured to receive after lender terminal triggers the intelligent contract of debt-credit on the first block chain and sign
The informal voucher receipt that name is generated and provided generates acknowledgement information；Intelligent contract is borrowed or lent money to be believed by the loan requests that debt-credit side's terminal is sent
The solicited message of lending that breath and lending side's terminal are sent triggers jointly；
Draught member is configured to send acknowledgement information to lending side's terminal, so that lending side's terminal is receiving acknowledgement
Loan money is paid by borrowing or lending money the channel of disbursement for the consignee that intelligent contract is arranged after information；
Payment monitoring unit is configured to channel of disbursement monitoring payment；
Receipt transfer order member is configured to that informal voucher receipt is transferred lending side after confirmation payment.
7th aspect, the present invention provide a kind of balance system, including several above-mentioned lender terminals, several above-mentioned lending sides
Terminal, several above-mentioned consignee's platforms, and, the block catenary system of the first block chain.
Eighth aspect, the present invention also provides a kind of equipment, including one or more processors and memory, wherein memory
Comprising can by instruction that the one or more processors execute so that the one or more processors execute it is each according to the present invention
The debt-credit method that embodiment provides.
9th aspect, the present invention also provides a kind of storage medium for being stored with computer program, which makes to count
Calculation machine executes the debt-credit method that each embodiment provides according to the present invention.
Debt-credit method and system, equipment and the storage medium that many embodiments of the present invention provide on block chain by arranging
Informal voucher receipt is first entrusted into consignee, then loan money is paid to lender by the channel of disbursement of consignee from lending side,
Informal voucher receipt is transferred the debit-credit mechanism of lending side after confirming payment by consignee again, realizes that provide for debtor and creditor can be
Franc does not combine in the case where cochain block chain technology to carry out the debt-credit solution of franc debt-credit.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other
Feature, objects and advantages will become more apparent upon：
Fig. 1 is the schematic diagram that scene is borrowed or lent money in one embodiment of the invention.
Fig. 2 is a kind of flow chart for debt-credit method that one embodiment of the invention provides.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.
Fig. 5 is the flow chart for another debt-credit method that one embodiment of the invention provides.
Fig. 6 is a kind of flow chart of preferred embodiment of method shown in Fig. 5.
Fig. 7 is a kind of flow chart of preferred embodiment of method shown in Fig. 5.
Fig. 8 is the flow chart for another debt-credit method that one embodiment of the invention provides.
Fig. 9 is a kind of flow chart of preferred embodiment of method shown in Fig. 8.
Figure 10 is a kind of structural schematic diagram for lender terminal that one embodiment of the invention provides.
Figure 11 is a kind of structural schematic diagram of preferred embodiment of terminal shown in Figure 10.
Figure 12 is a kind of structural schematic diagram for lending side's terminal that one embodiment of the invention provides.
Figure 13 is a kind of structural schematic diagram of preferred embodiment of terminal shown in Figure 12.
Figure 14 is a kind of structural schematic diagram for consignee's platform that one embodiment of the invention provides.
Figure 15 is a kind of structural schematic diagram of preferred embodiment of platform shown in Figure 14.
Figure 16 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Fig. 1 is the schematic diagram that scene is borrowed or lent money in one embodiment of the invention.Fig. 2 is that one kind that one embodiment of the invention provides is borrowed
The flow chart of credit side's method.As depicted in figs. 1 and 2, in the present embodiment, the present invention provides a kind of borrowing suitable for lender terminal
Credit side's method, including：
S12：Loan requests information is sent to the node of the first block chain, to send out on the first block chain with lending side's terminal
The solicited message of lending sent triggers the intelligent contract of debt-credit jointly；
S14：Signature generates informal voucher receipt, and informal voucher receipt is issued to the consignee for borrowing or lending money intelligent contract agreement, for
Consignee's platform of consignee sends acknowledgement information after acknowledgement informal voucher receipt, to lending side's terminal, so that lending side's terminal exists
Loan money is paid by the channel of disbursement of consignee after reception acknowledgement information, so that consignee's platform will be white after confirmation payment
Bar receipt transfers lending side.
Specifically, using user's first as lender 100, user's second as lending side 200, bank third as consignee 300
For, the above method is described in detail；In more embodiments, the above method can also be applied to any legal individual
Or legal person, as lender 100, lending side 200, individual or legal person with legal believable channel of disbursement are as consignee
300, it can be achieved that identical technical effect.
In step s 12, the lender terminal of user's first sends loan requests information to the node of the first block chain.
The node of first block chain receives several loan requests information that several users send respectively and several users point
Do not send it is several lend solicited message, wherein the request of lending of the loan requests of user's first and user's second is reached an agreement, sign
Intelligent contract is borrowed or lent money in contract, triggering.
Specifically, the node of lender terminal, lending side's terminal and the first block chain can by it is following any one or
Intelligent contract is borrowed or lent money in various ways triggering：
First way：The lender terminal of user's first is by sending the first loan requests letter to the node of the first block chain
Breath publication loan requests；After the node of first block chain summarizes each loan requests of each user's publication, loan requests list is generated,
And push to each lending side's terminal；After lending side's terminal of user's second receives and shows loan requests list, selected in user's second
After the loan requests of user's first, the first of the generation response loan requests lends solicited message, and is sent to the first block chain
Node；After solicited message is lent in the node reception first of first block chain, intelligent contract is borrowed or lent money in triggering；
The second way：Lending side's terminal of user's second lends request letter by sending second to the node of the first block chain
Request is lent in breath publication；The node of first block chain summarize each user publication respectively lend request after, generate by means of request list,
And push to each lender terminal；The lender terminal of user's first is received and is shown by means of after request list, is selected in user's first
User's second lend request after, generating response, this lends the second loan requests information of request, and is sent to the first block chain
Node；After the node of first block chain receives the second loan requests information, intelligent contract is borrowed or lent money in triggering；
The third mode：The lender terminal of user's first is by sending third loan requests letter to the node of the first block chain
Breath publication loan requests；Lending side's terminal of user's second lends solicited message hair by sending third to the node of the first block chain
Cloth lends request；After the node of first block chain summarizes each loan requests of each user's publication and respectively lends request, to each loan
It request and respectively lends request and is matched：When the loan requests of user's first and user's second are when lending request and matching, triggering is borrowed
Borrow intelligent contract.
In more embodiments, can also by it is other it will be appreciated by those skilled in the art that different modes be lender
100 and lending side 200 trigger and borrow or lend money intelligent contract.
Wherein, in the present embodiment, default configuration bank third is used as consignee 300 in above-mentioned debt-credit intelligence contract, and refers to
Surely the channel of disbursement transferred accounts by bank third as consignee；It, can also be by above-mentioned debt-credit intelligence in more embodiments
Contract is configured to provide several optional consignees, such as bank third, company's fourth, foundation to lender 100 and lending side 200
Penta etc., lender 100 and lending side 200 can be reached an agreement by linking up and be asked by above-mentioned loan requests information with lending
Ask the selected consignee of information configuration.
In step S14, after intelligent contract is borrowed or lent money in triggering, the lender terminal signature of user's first generates informal voucher receipt,
And the informal voucher receipt of generation is issued to the consignee bank third of agreement by the intelligent contract of debt-credit；
Consignee's platform of bank third generates acknowledgement information and is sent to use after the informal voucher receipt of acknowledgement user's first granting
Lending side's terminal of family second；
Lending side's terminal of user's second is after receiving consignee's platform and sending breath of collecting mail really, by borrowing or lending money intelligent contract
The channel of disbursement of the bank third arranged, that is, by bank third to user's first payment by the transfer of accounts loan money；
Consignee's platform of bank third is borrowed or lent money by the way that whether the full channel monitoring user's second of payment of itself pays to user's first
Fund：After confirmation payment is completed, informal voucher receipt is transferred into user's second.
In above-mentioned borrowing process, only user's second passes through bank third to user's first payment by the transfer of accounts, and, bank third monitors
Whether user's second, which is completed, pays, which completed not over block chain.It is therefore preferred that as lending side 200
User's second after paying, channel of disbursement evidence for payment generated signature can be uploaded to by lending side's terminal
It carries out depositing card on first block chain, the bank third as consignee 300 can also sign monitoring result by consignee's platform
It uploads on the first block chain and carries out depositing card, whether paid for borrowing or lending money intelligent contract in lending side 200 and consignee 300
When each sticks to his own version or argument in problem, determined according to the card of depositing stored on the first block chain.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.As shown in figure 3, in a preferred embodiment
In, the above method further includes：
S15：Whether monitoring receives loan money within the designated time：
If not receiving, S16 is thened follow the steps：Informal voucher receipt is withdrawn by borrowing or lending money intelligent contract.
Specifically, in general, consignee's platform acknowledgement informal voucher receipt and after notifying lending side, lending side should be pre-
Loan money is paid within the time limit of fixed, lender can receive loan money within the designated time under normal circumstances；But at certain
A bit in special circumstances, such as lending side goes back on one's word, or, lending side can not complete loan money because of a variety of causes in intended duration
Payment, etc., will lead to lender can not receive loan money within the designated time.
Therefore, in the present embodiment, whether loan money is received within the designated time by monitoring, it can be when not receiving
Informal voucher receipt is withdrawn by borrowing or lending money intelligent contract, and recalls loan requests.
In more embodiments, when being also configured as within the designated time not receiving loan money, negotiate with lending side
Whether defer payment or it is other it will be appreciated by those skilled in the art that Different Strategies.
Preferably, the punishment strategy broken a contract to lending side and letter can also be configured in the block catenary system of the first block chain
With grading strategy.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.As shown in figure 4, in a preferred embodiment
In, the above method further includes：
S17：It is refunded by channel of disbursement to the holder of informal voucher receipt according to intelligent contract is borrowed or lent money.
Specifically, equally by taking first is borrowed or lent money to second as an example, when second does not transfer the possession of informal voucher receipt before refund behavior occurs
When to third party, first should be refunded by same channel of disbursement to second within the payback period of agreement, and by the branch of refund
Exchange order's signature the first block chain of write-in；
Bank third notifies the node of the first block chain after monitoring refund, borrows or lends money intelligent contract for the shape of informal voucher receipt
State is revised as having refunded.
Informal voucher receipt is first entrusted to consignee by arranging on block chain by the various embodiments described above, then is passed through by lending side
The channel of disbursement of consignee pays loan money to lender, and informal voucher receipt is transferred lending side again after confirming payment by consignee
Debit-credit mechanism, realize for debtor and creditor provide can in the case where franc not cochain combine block chain technology carry out franc
The debt-credit solution of debt-credit.
Fig. 5 is the flow chart for another debt-credit method that one embodiment of the invention provides.Method shown in fig. 5 can cooperate figure
Method shown in 2 executes.
As shown in figure 5, in the present embodiment, the present invention also provides a kind of debt-credit method suitable for lending side's terminal, packets
It includes：
S22：It sends out to the node of the first block chain by means of solicited message, with the loan on the first block chain with lender
The loan requests information that square terminal is sent triggers the intelligent contract of debt-credit jointly；
S24：The consignee's platform for receiving consignee sends breath of collecting mail really after acknowledgement informal voucher receipt, passes through consignee's
Channel of disbursement pays loan money to lender；Wherein, informal voucher receipt is signed after intelligent contract is borrowed or lent money in triggering by lender terminal
Name generates and is issued to the consignee for borrowing or lending money intelligent contract agreement；
S26：Receive the informal voucher receipt that consignee's platform is transferred the possession of after confirmation payment.
Specifically, the principle of debit and credit of method shown in Fig. 5 can refer to method shown in Fig. 2, and details are not described herein again.
Fig. 6 is a kind of flow chart of preferred embodiment of method shown in Fig. 5.As shown in fig. 6, in a preferred embodiment
In, the above method further includes：
S27：Whether monitoring receives informal voucher receipt within the designated time：
If not receiving, S28 is thened follow the steps：Refund request is initiated by borrowing or lending money intelligent contract.
It is equally borrowed or lent money with first to second, bank third is used as consignee, when lending side's terminal of user's second passes through silver
After the channel of disbursement of row third pays loan money to first, the transfer of consignee bank third should be received within the designated time under normal circumstances
Informal voucher receipt；But under special circumstances, for example, consignee within the designated time by agreement confirmation payment, etc. will lead to work
Informal voucher receipt can not be received within the designated time for user's second of lending side.
Therefore, in the present embodiment, by monitoring informal voucher receipt whether is received within the designated time, can not receive it is white
Refund request is initiated when bar receipt to ensure the equity of lending side.
Preferably, the punishment plan to consignee's violation operation can also be configured in the block catenary system of the first block chain
Slightly, credit rating and qualification evaluation of being commissioned.
Fig. 7 is a kind of flow chart of preferred embodiment of method shown in Fig. 5.As shown in fig. 7, in a preferred embodiment
In, the above method further includes：
S29：Informal voucher receipt is transferred into third party by borrowing or lending money intelligent contract.
Fig. 8 is the flow chart for another debt-credit method that one embodiment of the invention provides.Method shown in Fig. 8 can cooperate figure
2, method shown in fig. 5 executes.
As shown in figure 8, in the present embodiment, the present invention also provides a kind of debt-credit method suitable for consignee's platform, packets
It includes：
S32：Signature after lender terminal triggers the intelligent contract of debt-credit on the first block chain is received to generate and provide white
Bar receipt generates acknowledgement information；The loan requests information and lending side's terminal that the intelligent contract of debt-credit is sent by debt-credit side's terminal are sent out
The solicited message of lending sent triggers jointly；
S34：Acknowledgement information is sent to lending side's terminal, so that lending side's terminal passes through debt-credit intelligence after receiving acknowledgement information
The channel of disbursement payment loan money for the consignee that energy contract is arranged；
S35：It is monitored and is paid by channel of disbursement：
After confirmation payment, step S36 is executed：Informal voucher receipt is transferred into lending side.
The principle of debit and credit of method shown in Fig. 8 can refer to method shown in Fig. 2, and details are not described herein again.
Fig. 9 is a kind of flow chart of preferred embodiment of method shown in Fig. 8.As shown in figure 9, in a preferred embodiment
In, the above method further includes：
S37：It does not monitor to pay within the designated time, informal voucher receipt is returned to lender by borrowing or lending money intelligent contract.
Preferably, the punishment strategy to lending side's violation operation can also be configured in the block catenary system of the first block chain
And credit rating.
Figure 10 is a kind of structural schematic diagram for lender terminal that one embodiment of the invention provides.Lender shown in Fig. 10
Terminal, which can correspond to, executes method shown in Fig. 2.
As shown in Figure 10, in the present embodiment, the present invention provides a kind of lender terminal 10, including loan requests unit 11
With receipt issuing unit 13.
Loan requests unit 11 is configured to send loan requests information to the node of the first block chain, in the first block
The solicited message of lending sent on chain with lending side's terminal triggers the intelligent contract of debt-credit jointly；
Receipt issuing unit 13 is configured to signature and generates informal voucher receipt, and informal voucher receipt is issued to the intelligent contract of debt-credit
The consignee of agreement, for consignee consignee's platform after acknowledgement informal voucher receipt, to lending side's terminal send acknowledgement information,
So that lending side's terminal pays loan money by the channel of disbursement of consignee after receiving acknowledgement information, for consignee's platform
Informal voucher receipt is transferred into lending side after confirmation payment.
The principle of debit and credit of terminal shown in Figure 10 can refer to method shown in Fig. 2, and details are not described herein again.
Figure 11 is a kind of structural schematic diagram of preferred embodiment of terminal shown in Figure 10.Terminal shown in Figure 11 can correspond to
Execute Fig. 3 or method shown in Fig. 4.
As shown in figure 11, in a preferred embodiment, lender terminal 10 further includes that gathering monitoring unit 15 and receipt return
Receive unit 17.
Gathering monitoring unit 15 is configured to whether monitoring receives loan money within the designated time；
Receipt recovery unit 17 is configured to receive when monitoring result is not receive by borrowing or lending money intelligent contract withdrawal informal voucher
According to.
Also shown in FIG. 11, in another preferred embodiment, lender terminal 10 further includes refund unit 19, and configuration is used
In being refunded to the holder of informal voucher receipt by channel of disbursement according to borrowing or lending money intelligent contract.
The principle of debit and credit of terminal shown in Figure 11 can refer to Fig. 3 and method shown in Fig. 4, and details are not described herein again.
Figure 12 is a kind of structural schematic diagram for lending side's terminal that one embodiment of the invention provides.Terminal shown in Figure 12 can
It is corresponding to execute method shown in fig. 5.
As shown in figure 12, in the present embodiment, the present invention provides a kind of lending side's terminal 20, including lends request unit
21, Payment Unit 23 and receipt receiving unit 25.
It lends request unit 21 to be configured to send out to the node of the first block chain by means of solicited message, in the first block
The loan requests information sent on chain with the lender terminal of lender triggers the intelligent contract of debt-credit jointly；
Consignee's platform that Payment Unit 23 is configured to reception consignee is sent after acknowledgement informal voucher receipt collects mail really
Breath pays loan money to lender by the channel of disbursement of consignee；Wherein, informal voucher receipt is borrowed by lender terminal in triggering
Signature generates and is issued to the consignee for borrowing or lending money intelligent contract agreement after borrowing intelligent contract；
Receipt receiving unit 25 is configured to receive the informal voucher receipt that consignee's platform is transferred the possession of after confirmation payment.
The principle of debit and credit of terminal shown in Figure 12 can refer to method shown in fig. 5, and details are not described herein again.
Figure 13 is a kind of structural schematic diagram of preferred embodiment of terminal shown in Figure 12.Terminal shown in Figure 13 can correspond to
Execute Fig. 6 or method shown in Fig. 7.
As shown in figure 13, in a preferred embodiment, lending side's terminal 20 further includes refund request unit 27, is configured to
Refund request is initiated by borrowing or lending money intelligent contract when receipt receiving unit 25 does not receive informal voucher receipt within the designated time.
Also shown in FIG. 13, in another preferred embodiment, lending side's terminal 20 further includes that receipt transfers the possession of unit 29, is matched
It sets for informal voucher receipt to be transferred third party by borrowing or lending money intelligent contract.
The principle of debit and credit of terminal shown in Figure 13 can refer to Fig. 6 and method shown in Fig. 7, and details are not described herein again.
Figure 14 is a kind of structural schematic diagram for consignee's platform that one embodiment of the invention provides.Platform shown in Figure 14 can
It is corresponding to execute method shown in Fig. 8.
As shown in figure 14, in the present embodiment, the present invention also provides a kind of consignee's platforms 30, including receipt acknowledgement unit
31, advice of payment unit 33, payment monitoring unit 35 and receipt transfer the possession of unit 37.
After the reception lender terminal that receipt acknowledgement unit 31 is configured to triggers the intelligent contract of debt-credit on the first block chain
The informal voucher receipt that signature is generated and provided generates acknowledgement information；Borrow or lend money the loan requests that intelligent contract is sent by debt-credit side's terminal
The solicited message of lending that information and lending side's terminal are sent triggers jointly；
Advice of payment unit 33 is configured to send acknowledgement information to lending side's terminal, so that lending side's terminal is receiving really
It collects mail and pays loan money by borrowing or lending money the channel of disbursement for the consignee that intelligent contract is arranged after ceasing；
Payment monitoring unit 35 is configured to channel of disbursement monitoring payment；
Receipt transfers the possession of unit 37 and is configured to that informal voucher receipt is transferred lending side after confirmation payment.
The principle of debit and credit of platform shown in Figure 14 can refer to method shown in Fig. 8, and details are not described herein again.
Figure 15 is a kind of structural schematic diagram of preferred embodiment of platform shown in Figure 14.Platform shown in figure 15 can correspond to
Execute method shown in Fig. 9.
As shown in figure 15, in a preferred embodiment, consignee's platform 30 further includes that receipt retracts unit 39, is configured to
When monitoring unit 35 of paying the bill does not monitor payment within the designated time, informal voucher receipt is returned to loan by borrowing or lending money intelligent contract
Money side.
The principle of debit and credit of platform shown in Figure 15 can refer to method shown in Fig. 9, and details are not described herein again.
In the present embodiment, the present invention also provides a kind of balance systems, including several above-mentioned lender terminals 10, Ruo Ganshang
Lending side's terminal 20, several above-mentioned consignee's platforms 30 are stated, and, the block catenary system of the first block chain.
Figure 16 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
As shown in figure 16, as on the other hand, present invention also provides a kind of equipment 1600, including one or more centers
Processing unit (CPU) 1601, can be according to the program being stored in read-only memory (ROM) 1602 or from storage section
1608 programs being loaded into random access storage device (RAM) 1603 and execute various movements appropriate and processing.In RAM1603
In, it is also stored with equipment 1600 and operates required various programs and data.CPU1601, ROM1602 and RAM1603 pass through total
Line 1604 is connected with each other.Input/output (I/O) interface 1605 is also connected to bus 1604.
I/O interface 1605 is connected to lower component：Importation 1606 including keyboard, mouse etc.；Including such as cathode
The output par, c 1607 of ray tube (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section including hard disk etc.
1608；And the communications portion 1609 of the network interface card including LAN card, modem etc..Communications portion 1609 passes through
Communication process is executed by the network of such as internet.Driver 1610 is also connected to I/O interface 1605 as needed.It is detachable to be situated between
Matter 1611, such as disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 1610, so as to
In being mounted into storage section 1608 as needed from the computer program read thereon.
Particularly, in accordance with an embodiment of the present disclosure, the debt-credit method of any of the above-described embodiment description may be implemented as counting
Calculation machine software program.For example, embodiment of the disclosure includes a kind of computer program product comprising be tangibly embodied in machine
Computer program on readable medium, the computer program include the program code for executing debt-credit method.Such
In embodiment, which can be downloaded and installed from network by communications portion 1609, and/or is situated between from detachable
Matter 1611 is mounted.
As another aspect, present invention also provides a kind of computer readable storage medium, the computer-readable storage mediums
Matter can be computer readable storage medium included in the device of above-described embodiment；It is also possible to individualism, it is unassembled
Enter the computer readable storage medium in equipment.Computer-readable recording medium storage has one or more than one program, should
Program is used to execute the debt-credit method for being described in the application by one or more than one processor.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use
The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually
It can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depending on related function.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yitong
The dedicated hardware based system of functions or operations as defined in executing is crossed to realize, or by specialized hardware and can be calculated
The combination of machine instruction is realized.
Being described in the embodiment of the present application involved unit or module can be realized by way of software, can also be with
It is realized by way of hardware.Described unit or module also can be set in the processor, for example, each unit can
To be the software program being arranged in computer or intelligent movable equipment, it is also possible to the hardware device being separately configured.Wherein, this
The title of a little units or module does not constitute the restriction to the unit or module itself under certain conditions.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the application design, appointed by above-mentioned technical characteristic or its equivalent feature
Other technical solutions of meaning combination and formation.Such as features described above and (but being not limited to) disclosed herein have similar functions
Technical characteristic replaced mutually and the technical solution that is formed.
Claims (19)
1. a kind of debt-credit method, which is characterized in that including：
Loan requests information is sent to the node of the first block chain, with what is sent on the first block chain with lending side's terminal
It lends solicited message and triggers the intelligent contract of debt-credit jointly；
Signature generates informal voucher receipt, and the informal voucher receipt is issued to the consignee for borrowing or lending money intelligent contract agreement, for
After consignee's platform informal voucher receipt described in acknowledgement of the consignee, acknowledgement information is sent to lending side's terminal, for
Lending side's terminal pays loan money by the channel of disbursement of the consignee after receiving the acknowledgement information, for institute
It states consignee's platform and the informal voucher receipt is transferred into the lending side after confirming the payment.
2. the method according to claim 1, wherein further including：
Whether monitoring receives the loan money within the designated time：If not receiving, withdrawn by the intelligent contract of the debt-credit
The informal voucher receipt.
3. method according to claim 1 or 2, which is characterized in that further include：
It is refunded by the channel of disbursement to the holder of the informal voucher receipt according to the intelligent contract of the debt-credit.
4. a kind of debt-credit method, which is characterized in that including：
It sends out to the node of the first block chain by means of solicited message, with whole with the lender of lender on the first block chain
The loan requests information that end is sent triggers the intelligent contract of debt-credit jointly；
The consignee's platform for receiving consignee sends breath of collecting mail really after acknowledgement informal voucher receipt, passes through the payment of the consignee
Channel pays loan money to the lender；Wherein, the informal voucher receipt is triggering the debt-credit by the lender terminal
Signature generates and is issued to the consignee for borrowing or lending money intelligent contract agreement after intelligent contract；
Receive the informal voucher receipt that consignee's platform is transferred the possession of after confirming the payment.
5. according to the method described in claim 4, it is characterized in that, further including：
Whether monitoring receives the informal voucher receipt within the designated time：If not receiving, initiated by the intelligent contract of the debt-credit
Refund request.
6. method according to claim 4 or 5, which is characterized in that further include：
The informal voucher receipt is transferred into third party by the debt-credit intelligent contract.
7. a kind of debt-credit method, which is characterized in that including：
Receive lender terminal trigger on the first block chain borrow or lend money intelligent contract after the signature informal voucher receipt that generates and provide, life
At acknowledgement information；The loan requests information and the transmission of lending side's terminal borrowing or lending money intelligent contract and being sent by debt-credit side's terminal
Solicited message of lending trigger jointly；
The acknowledgement information is sent to lending side's terminal, so that lending side's terminal is led to after receiving the acknowledgement information
Cross the channel of disbursement payment loan money for borrowing or lending money the consignee that intelligent contract is arranged；
The payment is monitored by the channel of disbursement, and the informal voucher receipt is transferred after confirming the payment and is lent
Side.
8. the method according to the description of claim 7 is characterized in that further including：
It does not monitor the payment within the designated time, the informal voucher receipt is returned to by loan by the intelligent contract of the debt-credit
Side.
9. a kind of lender terminal, which is characterized in that including：
Loan requests unit is configured to send loan requests information to the node of the first block chain, in first block
The solicited message of lending sent on chain with lending side's terminal triggers the intelligent contract of debt-credit jointly；
Receipt issuing unit is configured to signature and generates informal voucher receipt, and the informal voucher receipt is issued to the debt-credit intelligence
The consignee of contract agreement, after consignee's platform informal voucher receipt described in acknowledgement of the consignee, to the lending side
Terminal sends acknowledgement information, so that lending side's terminal passes through the payment canal of the consignee after receiving the acknowledgement information
Road pays loan money, so that the informal voucher receipt is transferred described lend after confirming the payment by consignee's platform
Side.
10. lender terminal according to claim 9, which is characterized in that further include：
Gathering monitoring unit, is configured to whether monitoring receives the loan money within the designated time；
Receipt recovery unit is configured to withdraw the informal voucher by the intelligent contract of the debt-credit when monitoring result is not receive
Receipt.
11. lender terminal according to claim 9 or 10, which is characterized in that further include：
Refund unit is configured to pass through the channel of disbursement holding to the informal voucher receipt according to the intelligent contract of the debt-credit
Person refunds.
12. a kind of lending side's terminal, which is characterized in that including：
Request unit is lent, is configured to send out to the node of the first block chain by means of solicited message, in first block
The loan requests information sent on chain with the lender terminal of lender triggers the intelligent contract of debt-credit jointly；
Payment Unit, the consignee's platform for being configured to receive consignee send breath of collecting mail really after acknowledgement informal voucher receipt, lead to
The channel of disbursement for crossing the consignee pays loan money to the lender；Wherein, the informal voucher receipt is by the lender
Terminal signature after triggering the intelligent contract of the debt-credit generates and is issued to the consignee for borrowing or lending money intelligence contract agreement；
Receipt receiving unit is configured to receive the informal voucher receipts that consignee's platform is transferred the possession of after confirming the payment
According to.
13. lending side's terminal according to claim 12, which is characterized in that further include：
Refund request unit is configured to lead to when the receipt receiving unit does not receive the informal voucher receipt within the designated time
It crosses the intelligent contract of the debt-credit and initiates refund request.
14. lending side's terminal according to claim 12 or 13, which is characterized in that further include：
Receipt transfers the possession of unit, is configured to the intelligent contract of the debt-credit for the informal voucher receipt and transfers third party.
15. a kind of consignee's platform, which is characterized in that including：
Receipt acknowledgement unit is configured to receive signature after lender terminal triggers the intelligent contract of debt-credit on the first block chain and gives birth to
At and provide informal voucher receipt, generate acknowledgement information；The intelligent contract of the debt-credit is asked by the loan that debt-credit side's terminal is sent
The solicited message of lending for asking information and lending side's terminal to send triggers jointly；
Advice of payment unit is configured to send the acknowledgement information to lending side's terminal, for lending side's terminal
Loan money is paid by the channel of disbursement for borrowing or lending money the consignee that intelligent contract is arranged after receiving the acknowledgement information；
Payment monitoring unit is configured to the channel of disbursement and monitors the payment；
Receipt transfers the possession of unit, is configured to that the informal voucher receipt is transferred lending side after confirming the payment.
16. consignee's platform according to claim 15, which is characterized in that further include：
Receipt retracts unit, is configured to when the payment monitoring unit does not monitor the payment within the designated time, leads to
It crosses the debt-credit intelligent contract and the informal voucher receipt is returned to lender.
17. a kind of balance system, which is characterized in that including it is several as the described in any item lender terminals of claim 9-11,
It is several such as the described in any item lending side's terminals of claim 12-14, several be commissioned as claim 15-16 is described in any item
Fang Pingtai, and, the block catenary system of the first block chain.
18. a kind of equipment, which is characterized in that the equipment includes：
One or more processors；
Memory, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors
Execute such as method of any of claims 1-8.
19. a kind of storage medium for being stored with computer program, which is characterized in that realize when the program is executed by processor as weighed
Benefit requires method described in any one of 1-8.
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| CN201810685473.8A CN108898478A (en) | 2018-06-28 | 2018-06-28 | Borrow or lend money method and system, equipment and storage medium |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810685473.8A CN108898478A (en) | 2018-06-28 | 2018-06-28 | Borrow or lend money method and system, equipment and storage medium |
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