CN109064321A - A kind of automatic balance system and method - Google Patents
A kind of automatic balance system and method Download PDFInfo
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- CN109064321A CN109064321A CN201811283677.5A CN201811283677A CN109064321A CN 109064321 A CN109064321 A CN 109064321A CN 201811283677 A CN201811283677 A CN 201811283677A CN 109064321 A CN109064321 A CN 109064321A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract
The embodiment of the invention discloses a kind of automatic balance system and methods, the automatic balance system includes: information acquisition module, information authentication module, credit evaluation module, contract generation module, contract execution module, mainly for petty load, the automatic balance system can be applied to existing ATM machine, mobile phone, in the equipment such as PC machine either dedicated loan machine, user can borrow or lend money whenever and wherever possible, basic identity information need to only be submitted, so that the lending and borrowing of petty load are more intelligent, it is convenient and convenient, the development of finance activities can be effectively facilitated, it assists to construct more perfect social credit system.
Description
Technical field
The present invention relates to financial fields, and in particular to a kind of automatic balance system and method.
Background technique
With the prosperity and development of modern commerce and financial system, manages an enterprise with a loan and excessive consumption has become most of enterprises
Industry and personal very conventional operation and consumption pattern, produce a large amount of various credit products, credit in the market thus
The financial products such as card, financial institution provides a loan away in order to more, faster, for the loan application of small-amount, as long as passing through base
This audit proves that loan individual enjoys a good reputation, and has enough loan repayment capacities, will energetically promote the fund of oneself, lends to borrowing
Credit side, this is also a kind of important profit model of bank and other financial mechanism, and existing petty load balance system application journey
Sequence is relatively cumbersome, and the period of making loans is long, using very inconvenient.
The embodiment of the present invention proposes a kind of automatic balance system and method, which borrows mainly for small amount
Money can be applied in existing ATM machine, mobile phone, the PC machine either equipment such as dedicated loan machine, user can whenever and wherever possible into
Row debt-credit can effectively facilitate the development of finance activities so that the lending and borrowing of petty load are more intelligent, convenient and convenient,
It assists to construct more perfect social credit system.
Summary of the invention
The embodiment of the present invention is designed to provide a kind of automatic balance system and method, borrows to solve existing small amount
Loan system and method requisition procedure is cumbersome, the period of making loans is long, using inconvenient problem.
To achieve the above object, the embodiment of the present invention provides a kind of automatic balance system, and the automatic balance system includes:
Information acquisition module, for responding the loan requests of loaning bill side's middle proposition in debit's terminal, acquisition loaning bill side
Identity information；
Information authentication module, for being verified to collected loaning bill side's identity information；
Credit evaluation module, for being transferred and being borrowed according to loaning bill side's identity information when loaning bill side's identity information is verified
The risk-assessment for whether reaching requirement of making loans simultaneously made for personal reference data of the money side in bank reference system；
Contract generation module, for loaning bill side reach make loans require when, by loaning bill root according to fund supply side publication exist
Line of credit and credit required for different lines of credit and the selection of corresponding Credit Contract in debit's terminal determine
Contract, the line of credit selected according to loaning bill side's identity information and loaning bill side and Credit Contract are generated by computer automatic execution
Intelligent contract；
Contract execution module, for executing the intelligent contract, and the number that will be generated in the intelligent contract implementation procedure
It is recorded according to update.
Preferably, the contract execution module includes:
Automatic module of making loans is put for offering loans and generating automatically to loaning bill side according to the conditions of a loan in intelligent contract
Money information record；
Automatic refund module, for automatic from the digital cash account of loaning bill side according to the refund condition in intelligent contract
It executes and refunds and generate refund information record.
Preferably, the contract execution module further includes overdue logging modle, and the overdue logging modle is used for when loaning bill
Side is overdue when not refunding to fund supply side, and the intelligent contract after executing aged fail simultaneously generates overdue information record.
Preferably, the automatic balance system further includes block catenary system, and the block catenary system includes by loaning bill side, money
Multiple nodes of bank of deposit's composition of golden supplying party, bank reference system and loaning bill side.
Preferably, the information acquisition module includes papers-scanning equipment, fingerprint identification device and iris identification equipment.
Preferably, debit's terminal include the ATM machine for being mounted with the automatic balance system, cell phone, PC machine,
POS machine and earmarked loans machine.
To achieve the above object, the embodiment of the present invention also proposed a kind of automatic debt-credit method, and the method includes following
Step:
Loaning bill side proposes loan requests；
The loan requests are responded, the identity information of loaning bill side is acquired；
Collected loaning bill side's identity information is verified；
When identity information is verified in loaning bill side, loaning bill side is transferred in bank reference system according to loaning bill side's identity information
In personal reference data and the risk-assessment for whether reaching requirement of making loans made；
Loaning bill side reach make loans require when, the different lines of credit and phase issued by loaning bill root according to fund supply side
Line of credit and Credit Contract required for corresponding Credit Contract selection determines；
The line of credit and Credit Contract selected according to loaning bill side's identity information and loaning bill side generates automatic by computer
The intelligent contract of execution；
The intelligent contract is executed, and the data update generated in the intelligent contract implementation procedure is recorded.
Preferably, the debt-credit method further include:
After generating intelligent contract, offers loans and generate automatically to loaning bill side according to the conditions of a loan in intelligent contract and put
Money information record；
It is executed automatically from the digital cash account of loaning bill side according to the refund condition in intelligent contract and refunds and generate also
Money information record.
Preferably, the debt-credit method further include:
When loaning bill side is overdue not to refund to fund supply side, execute aged fail after intelligent contract and generate overdue letter
Breath record.
To achieve the above object, the embodiment of the present invention also proposed a kind of computer storage medium, the computer storage
Media storage has computer program instructions, and the computer program instructions are for executing automatic debt-credit method as described above.
The embodiment of the present invention has the advantages that
A kind of automatic balance system and method that the embodiment of the present invention proposes, mainly for micro-credit, purpose
It is to speed up the service speed of small amount character loan and lending, simplifies workflow, promotes intelligent audit and operation, this is borrowed automatically
Loan system can be applied in existing ATM machine, mobile phone, the PC machine either equipment such as dedicated loan machine, user can at any time with
Ground is borrowed or lent money, and when debt-credit only needs to provide basic identity information, the lending and borrowing intelligence with higher of fund
Property and convenience, can effectively facilitate the development of finance activities, assist to construct more perfect social credit system.
Detailed description of the invention
Fig. 1 is a kind of structural schematic diagram for automatic balance system that the embodiment of the present invention 1 provides.
Fig. 2 is the automatic debt-credit method flow schematic diagram of one kind that the embodiment of the present invention 1 provides.
Fig. 3 is the flow diagram for the automatic debt-credit method and step S70 of one kind that the embodiment of the present invention 1 provides.
In figure: 1- information acquisition module 1,2- information authentication module, 3- credit evaluation module, 4- contract generation module, 5-
Make loans automatically module, 52- of contract execution module, 51- refunds the overdue logging modle of module, 53- automatically.
Specific embodiment
Embodiments of the present invention are illustrated by particular specific embodiment below, those skilled in the art can be by this explanation
Content disclosed by book is understood other advantages and efficacy of the present invention easily.
It should be clear that this specification structure depicted in this specification institute accompanying drawings, ratio, size etc., only to cooperate specification to be taken off
The content shown is not intended to limit the invention enforceable qualifications so that those skilled in the art understands and reads, therefore
Do not have technical essential meaning, the modification of any structure, the change of proportionate relationship or the adjustment of size are not influencing the present invention
Under the effect of can be generated and the purpose that can reach, it should all still fall in disclosed technology contents and obtain the model that can cover
In enclosing.Meanwhile cited such as "upper", "lower", " left side ", the right side in this specification ", the term of " centre ", be merely convenient to chat
That states is illustrated, rather than to limit the scope of the invention, relativeness is altered or modified, and is changing skill without essence
It is held in art, when being also considered as the enforceable scope of the present invention.
Embodiment 1
As shown in Figure 1, a kind of automatic balance system that the present embodiment proposes, mainly for petty load, existing small amount
Balance system applies the trade mode of centralization more, and the data and record of credit information and Trading parties, which can also exist, to be tampered
With the possibility of loss, there are the trust problems of data validity and integrality, and the present embodiment is based on block chain technology, using distribution
The book keeping operation mode of formula will record behavior and data of the Trading parties in process of exchange in block chain, intelligent contract
Transaction executive mode make debt-credit, make loans and the more intelligence and quick of refunding, ensure that fairness in process of exchange and
Safety.
Initially set up the block catenary system for borrowing or lending money automatically, the block catenary system include by loaning bill side, fund supply side,
Multiple nodes of the bank of deposit of bank reference system and loaning bill side composition.
The automatic balance system mainly includes information acquisition module 1, information authentication module 2, credit evaluation module 3, contract
Generation module 4 and contract execution module 5.
Information acquisition module 1 is acquired for responding the loan requests that loaning bill side proposes in debit's terminal into block chain
The identity information of loaning bill side.Debit's terminal can be the ATM machine for being mounted with the automatic balance system, cell phone, PC machine, POS
Machine and earmarked loans machine.The debt-credit application program of fund supply side is installed in debit's terminal, it can be by the present embodiment
Automatic balance system is loaded in a manner of small routine or menu function module in the debt-credit application program of fund supply side, and
By interactive operation of the loaning bill side in debit's terminal, request corresponding with the operation or instruction are generated.By taking ATM machine as an example, use
Family in the operation interface of ATM in bank by clicking loan application button, to initiate loan application.Information acquisition module 1 can
It is set with the papers-scanning equipment, the fingerprint recognition that are mounted on ATM machine, cell phone, PC machine, POS machine and earmarked loans machine
Standby or iris identification equipment after filing an application, prompts user to provide corresponding identity information, papers-scanning equipment, which can be, to be taken the photograph
As head, by the certificate information of camera scanning collection borrower, certificate information includes the identity card of borrower, can also be expanded
To auxiliary certificates such as driver's license, passports, the finger print information of borrower can also be acquired by fingerprint identification device, or pass through rainbow
Film identifies the iris information of equipment acquisition borrower.
Information authentication module 2 is for verifying collected loaning bill side's identity information.Recognition of face can be first passed through
Equipment my facial characteristics and identity document photographic intelligence are compared verify whether for I, after determination is my assertive evidence
The identity information of user, and the subscriber identity information that will acquire and collected user identity are obtained from databases such as public security systems
Information is compared, or the fingerprint or iris information of user is obtained from databases such as public security systems, and the user that will acquire refers to
Line or iris information are compared with collected user fingerprints or iris information, if the two matches, the side's of loaning bill identity information
It is verified, the prompt information of " being verified " can be shown in the operation interface of debit's terminal.
Credit evaluation module 3, for when loaning bill side's identity information is verified, block to be written in loaning bill side's identity information
In chain, according to loaning bill side's identity information transfer automatically personal reference data of the loaning bill side in bank reference system and make whether
Reach the risk-assessment for requirement of making loans, and the risk evaluation result of generation is written in block chain.After being verified then into
Such as " problematic " " no problem ", " passing through " can be shown according to risk evaluation result in the operation interface of debit's terminal by entering
The prompt information of " not passing through " or " red " " green ", if by then entering in next step, if having by analysis serious
Bad reference record or have not the ability to repay not by when, then jump after a certain time and be back to initial operation interface.
Contract generation module 4, for loaning bill side reach make loans require when, by loaning bill root according to fund supply side publication exist
Line of credit required for different lines of credit and the selection of corresponding Credit Contract in block chain determine and credit are closed
About, the line of credit and Credit Contract selected according to loaning bill side generates the intelligent contract by computer automatic execution.Credit evaluation
By rear, the line of credit of small amounts such as " 1,000 yuan ", " 2,000 yuan ", " 5,000 yuan " or " 10,000 yuan " can be shown in operation interface
Selection, maximum amount are determined that user clicks the loan limit that selection needs by fund supply side, can be jumped and be read under the amount
Loan agreement, include the life of loan formulated by fund supply side, borrowing rate, mode of repayment and promise breaking in Credit Contract
The information such as clause click confirmation loan if customer acceptance.
Contract execution module 5 is write for executing intelligent contract, and by the data generated in intelligent contract implementation procedure update
Enter in block chain, contract execution module 5 includes making loans module 51 automatically and automatic refund module 52, module of making loans automatically 51 are used for
It offers loans automatically according to the conditions of a loan in intelligent contract to loaning bill side and generates information record of making loans, and the information note that will make loans
In record write-in block chain, the mode of making loans can directly spit paper money by ATM machine or be turned by the digital cash account of fund supply side
Enter the digital cash account of the bank of deposit of loaning bill side.Automatic refund module 52 for according to the refund condition in intelligent contract from borrowing
It is executed automatically in the digital cash account of the Kuan Fang bank of deposit and refunds and generate refund information record, and refund information record is write
Enter in block chain.Refund process can send refund prompting and repayment amount to client with the person-to-person communication account of user bound
Etc. information.
Contract execution module 5 further includes overdue logging modle 53, and overdue logging modle 53 is used to not go back when loaning bill side is overdue
When money is to fund supply side, intelligent contract after executing aged fail simultaneously generates overdue information record, and overdue information is recorded
It is written in block chain, block chain includes by bank of deposit's group of loaning bill side, fund supply side, bank reference system and loaning bill side
At multiple nodes, the loaning bill of user and refund behavior can be recorded and monitored in block chain, exceeded if user has
The undesirable reference record such as phase or bad credit of cheating loan, can reduce personal credit value, influence the loan application and others of its next time
Financial consumption behavior.
The automatic debt-credit method of one kind that the present embodiment proposes, as shown in Fig. 2, specifically includes the following steps:
Loan requests are proposed in S10, loaning bill direction block chain；
S20, response loan requests, acquire the identity information of loaning bill side；
S30, collected loaning bill side's identity information is verified；
S40, when loaning bill side's identity information is verified, by loaning bill side's identity information be written block chain in, according to loaning bill
Square identity information transfers personal reference data of the loaning bill side in bank reference system automatically and makes whether reaching requirement of making loans
Risk-assessment, and will the risk evaluation result of generation be written block chain in；
S50, loaning bill side reach make loans require when, issue difference in block chain according to fund supply side by loaning bill root
Line of credit and Credit Contract required for line of credit and the selection of corresponding Credit Contract determine；
S60, the line of credit selected according to loaning bill side and Credit Contract generate the intelligent contract by computer automatic execution；
S70, intelligent contract is executed, and the data generated in intelligent contract implementation procedure is updated in write-in block chain, tool
S701, body is provided automatically to loaning bill side according to the conditions of a loan in intelligent contract and is borrowed as shown in figure 3, after generating intelligent contract
Money simultaneously generates information record of making loans, and in the information record write-in block chain that will make loans, the refund item in the intelligent contract of S702, foundation
Part executes automatically from the digital cash account of loaning bill side and refunds and generate refund information record, and refund information is recorded and is written
In block chain, S703, when loaning bill side is overdue do not refund to fund supply side when, execute aged fail after intelligent contract and generate
Overdue information record, and overdue information is recorded in write-in block chain.
The present embodiment additionally provides a kind of computer storage medium, is stored thereon with computer program instructions, the computer
Program instruction is for executing automatic debt-credit method as described above.
A kind of automatic balance system that the present embodiment proposes, mainly for micro-credit, the purpose is to accelerate small amount
The service speed of character loan and lending simplifies workflow, promotes intelligent audit and operation, while guaranteeing the justice of debt-credit
Property and safety, the automatic balance system can be applied to existing ATM machine, mobile phone, PC machine either dedicated loan machine etc.
In equipment, user can borrow or lend money whenever and wherever possible, and when debt-credit only needs to provide basic identity information, be based on block chain skill
Art will record behavior and data of the Trading parties in process of exchange in block chain using distributed book keeping operation mode
In, the transaction executive mode of intelligent contract makes debt-credit, lending and refund more intelligent and quick, ensure that process of exchange
In fairness and safety, the lending of fund and borrowing intelligence with higher and convenience, while having both safety, energy
The development of finance activities is effectively facilitated, assists to construct more perfect social credit system.
Embodiment 2
With reference to Fig. 1, a kind of automatic balance system that the present embodiment proposes is used and is supplied with fund mainly for petty load
To the centralization mode of doing business centered on side, which includes information acquisition module 1, information authentication module 2, credit
Evaluation module 3, contract generation module 4 and contract execution module 5.
Information acquisition module 1 acquires the body of loaning bill side for responding the loan requests that loaning bill side proposes in debit's terminal
Part information.Debit's terminal can be the ATM machine for being mounted with the automatic balance system, cell phone, PC machine, POS machine and dedicated
Loan machine is equipped with the debt-credit application program of fund supply side in debit's terminal, can be by the automatic debt-credit of the present embodiment
System is loaded in a manner of small routine or menu function module in the debt-credit application program of fund supply side, and passes through loaning bill side
Interactive operation in debit's terminal generates request corresponding with the operation or instruction.By taking ATM machine as an example, user passes through in silver
Loan application button is clicked in the operation interface of row ATM machine, to initiate loan application.Information acquisition module 1 can be mounted in
Papers-scanning equipment, fingerprint identification device or iris on ATM machine, cell phone, PC machine, POS machine and earmarked loans machine
It identifies equipment, after filing an application, user is prompted to provide corresponding identity information, papers-scanning equipment can be camera, pass through
The certificate information of camera scanning collection borrower, certificate information include the identity card of borrower, can also be expanded to driver's license,
Passport etc. assists certificate, and the finger print information of borrower can also be acquired by fingerprint identification device, or is set by iris recognition
The iris information of standby acquisition borrower.
Information authentication module 2 is for verifying collected loaning bill side's identity information.Recognition of face can be first passed through
Equipment my facial characteristics and identity document photographic intelligence are compared verify whether for I, after determination is my assertive evidence
The identity information of user, and the subscriber identity information that will acquire and collected user identity are obtained from databases such as public security systems
Information is compared, or the fingerprint or iris information of user is obtained from databases such as public security systems, and the user that will acquire refers to
Line or iris information are compared with collected user fingerprints or iris information, if the two matches, the side's of loaning bill identity information
It is verified, the prompt information of " being verified " can be shown in the operation interface of debit's terminal.
Credit evaluation module 3, for being transferred and being borrowed according to loaning bill side's identity information when loaning bill side's identity information is verified
The risk-assessment for whether reaching requirement of making loans simultaneously made for personal reference data of the money side in bank reference system.Verifying is logical
Later then enter can be shown in the operation interface of debit's terminal according to risk evaluation result such as " problematic " " no problem ",
The prompt information of " passing through " " not passing through " or " red " " green ", if by then entering in next step, if depositing by analysis
Have serious bad reference record or have not the ability to repay not by when, then jump after a certain time and be back to initial operation circle
Face.
Contract generation module 4, for loaning bill side reach make loans require when, issued by loaning bill root according to fund supply side
Line of credit and Credit Contract required for different lines of credit and the selection of corresponding Credit Contract determine, according to loaning bill
The line of credit and Credit Contract just selected generates the intelligent contract by computer automatic execution.It, can be with after credit evaluation passes through
The line of credit selection of small amounts such as " 1,000 yuan ", " 2,000 yuan ", " 5,000 yuan " or " 10,000 yuan ", maximum are shown in operation interface
Degree is determined that user clicks the loan limit that selection needs by fund supply side, can jump the loan agreement read under the amount,
It include the information such as the life of loan formulated by fund supply side, borrowing rate, mode of repayment and default clause in Credit Contract,
Confirmation loan is clicked if customer acceptance.
Contract execution module 5, for executing intelligent contract, and by the data generated in intelligent contract implementation procedure update into
Row record.Contract execution module 5 includes make loans automatically module 51 and automatic refund module 52, and module of making loans automatically 51 is used for foundation
Conditions of a loan in intelligent contract offer loans automatically to loaning bill side and generate information record of making loans.The mode of making loans can pass through
ATM machine directly spits paper money or is transferred to the digital cash account of the bank of deposit of loaning bill side by the digital cash account of fund supply side.
Automatic refund module 52 for according to the refund condition in intelligent contract from the digital cash account of the bank of deposit of the side of loaninging bill certainly
Refund information record is refunded and generated to dynamic execute.Refund process can be sent also with the person-to-person communication account of user bound to client
Money is reminded and the information such as repayment amount.
Contract execution module 5 further includes overdue logging modle 53, and overdue logging modle 53 is used to not go back when loaning bill side is overdue
When money is to fund supply side, intelligent contract after executing aged fail simultaneously generates overdue information record.Pass through the loaning bill to user
It is recorded with refund behavior, if user has the undesirable reference record such as overdue or bad credit of cheating loan, personal credit value can be reduced,
Influence loan application and the others financial consumption behavior of its next time.
The present embodiment also proposed a kind of automatic debt-credit method, specifically includes the following steps:
Loaning bill side proposes loan requests；
Loan requests are responded, the identity information of loaning bill side is acquired；
Collected loaning bill side's identity information is verified；
When identity information is verified in loaning bill side, loaning bill side is transferred in bank reference system according to loaning bill side's identity information
In personal reference data and the risk-assessment for whether reaching requirement of making loans made；
Loaning bill side reach make loans require when, the different lines of credit and phase issued by loaning bill root according to fund supply side
Line of credit and Credit Contract required for corresponding Credit Contract selection determines；
The line of credit and Credit Contract selected according to loaning bill side generates the intelligent contract by computer automatic execution；
Intelligent contract is executed, and the data generated in intelligent contract implementation procedure update is recorded, specifically such as Fig. 3 institute
Show, after generating intelligent contract, offers loans automatically to loaning bill side according to the conditions of a loan in intelligent contract and generate letter of making loans
Breath record executes automatically from the digital cash account of loaning bill side according to the refund condition in intelligent contract and refunds and generate refund
Information record, when the side of loaninging bill is overdue not to refund to fund supply side, execution aged fail after intelligent contract and generate overdue
Information record.
The present embodiment additionally provides a kind of computer storage medium, is stored thereon with computer program instructions, the computer
Program instruction is for executing automatic debt-credit method as described above.
A kind of automatic balance system that the present embodiment proposes, mainly for micro-credit, the purpose is to accelerate small amount
The service speed of character loan and lending simplifies workflow, promotes intelligent audit and operation, which can be with
It being applied in the equipment such as existing ATM machine, mobile phone, PC machine either dedicated loan machine, user can borrow or lend money whenever and wherever possible,
Only need to provide basic identity information when debt-credit, lending and the borrowing intelligence with higher and convenience of fund,
The development of finance activities can be effectively facilitated, assists to construct more perfect social credit system.
Although above having used general explanation and specific embodiment, the present invention is described in detail, at this
On the basis of invention, it can be made some modifications or improvements, this will be apparent to those skilled in the art.Therefore,
These modifications or improvements without departing from theon the basis of the spirit of the present invention are fallen within the scope of the claimed invention.
Claims (10)
1. a kind of automatic balance system, which is characterized in that the automatic balance system includes:
Information acquisition module acquires the identity of loaning bill side for responding the loan requests of loaning bill side's middle proposition in debit's terminal
Information；
Information authentication module, for being verified to collected loaning bill side's identity information；
Credit evaluation module, for transferring loaning bill side according to loaning bill side's identity information when loaning bill side's identity information is verified
The risk-assessment for whether reaching requirement of making loans simultaneously made for personal reference data in bank reference system；
Contract generation module, for loaning bill side reach make loans require when, by loaning bill root according to fund supply side issue in debit
Line of credit and Credit Contract required for different lines of credit and the selection of corresponding Credit Contract in terminal determine,
The line of credit and Credit Contract selected according to loaning bill side's identity information and loaning bill side generates the intelligence by computer automatic execution
It can contract；
Contract execution module, for executing the intelligent contract, and more by the data generated in the intelligent contract implementation procedure
Newly recorded.
2. a kind of automatic balance system according to claim 1, which is characterized in that the contract execution module includes:
Automatic module of making loans, for offering loans automatically according to the conditions of a loan in intelligent contract to loaning bill side and generating letter of making loans
Breath record；
Automatic refund module, for being executed automatically from the digital cash account of loaning bill side according to the refund condition in intelligent contract
It refunds and generates refund information record.
3. a kind of automatic balance system according to claim 2, which is characterized in that the contract execution module further includes exceeding
Phase logging modle, the overdue logging modle be used for when the side of loaninging bill is overdue do not refund to fund supply side when, execution aged fail
Rear intelligent contract simultaneously generates overdue information record.
4. a kind of automatic balance system according to claim 1, which is characterized in that the automatic balance system further includes area
Block catenary system, the block catenary system include by the silver of opening an account of loaning bill side, fund supply side, bank reference system and loaning bill side
Multiple nodes of row composition.
5. a kind of automatic balance system according to claim 1, which is characterized in that the information acquisition module includes certificate
Scanning device, fingerprint identification device and iris identification equipment.
6. a kind of automatic balance system according to claim 1, which is characterized in that debit's terminal includes loading
State ATM machine, cell phone, PC machine, POS machine and the earmarked loans machine of automatic balance system.
7. a kind of automatic debt-credit method, which is characterized in that the described method comprises the following steps:
Loaning bill side proposes loan requests；
The loan requests are responded, the identity information of loaning bill side is acquired；
Collected loaning bill side's identity information is verified；
When identity information is verified in loaning bill side, loaning bill side is transferred in bank reference system according to loaning bill side's identity information
The risk-assessment for whether reaching requirement of making loans simultaneously made for personal reference data；
Loaning bill side reach make loans require when, the different lines of credit issued by loaning bill root according to fund supply side and corresponding
Credit Contract selection determine required for line of credit and Credit Contract；
The line of credit and Credit Contract selected according to loaning bill side's identity information and loaning bill side is generated by computer automatic execution
Intelligent contract；
The intelligent contract is executed, and the data update generated in the intelligent contract implementation procedure is recorded.
8. a kind of automatic debt-credit method according to claim 7, which is characterized in that the debt-credit method further include:
After generating intelligent contract, offers loans automatically to loaning bill side according to the conditions of a loan in intelligent contract and generate letter of making loans
Breath record；
It is executed automatically from the digital cash account of loaning bill side according to the refund condition in intelligent contract and refunds and generate refund letter
Breath record.
9. a kind of automatic debt-credit method according to claim 8, which is characterized in that the debt-credit method further include:
When loaning bill side is overdue not to refund to fund supply side, intelligent contract after executing aged fail simultaneously generates overdue information note
Record.
10. a kind of computer storage medium, which is characterized in that the computer storage medium is stored with computer program instructions,
The computer program instructions are used to execute the method as described in any in claim 7-9.
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Cited By (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109727121A (en) * | 2018-12-25 | 2019-05-07 | 上海点融信息科技有限责任公司 | Debt-credit matching process, signal auditing method based on block chain network |
| CN109886805A (en) * | 2019-03-01 | 2019-06-14 | 浙江一麻贷科技有限公司 | A kind of debt-credit method and system |
| CN110009487A (en) * | 2019-04-10 | 2019-07-12 | 湖北风口网络科技有限公司 | A kind of finance debt-credit methods of risk assessment and system |
| CN110135981A (en) * | 2019-05-24 | 2019-08-16 | 邱明 | A kind of debt-credit method, apparatus, server and storage medium based on block chain |
| CN110400210A (en) * | 2019-07-17 | 2019-11-01 | 微神马科技（大连）有限公司 | A kind of system and method for refunding of making loans automatically |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110634065A (en) * | 2019-09-19 | 2019-12-31 | 腾讯科技（深圳）有限公司 | Block chain-based loan information processing method, device, equipment and storage medium |
| CN110659978A (en) * | 2019-08-15 | 2020-01-07 | 平安普惠企业管理有限公司 | Data processing method, data processing device, computer equipment and storage medium |
| CN110717820A (en) * | 2019-09-05 | 2020-01-21 | 阿里巴巴集团控股有限公司 | Asset compensation method and device based on block chain and electronic equipment |
| CN111401907A (en) * | 2020-03-11 | 2020-07-10 | 杭州首新网络科技有限公司 | Intelligent wind control method for data dimensionality financial big data |
| CN113129132A (en) * | 2021-05-17 | 2021-07-16 | 中国银行股份有限公司 | Credit credit product application method and device based on block chain |
| CN114331697A (en) * | 2021-12-30 | 2022-04-12 | 鑫恒绅企业服务(无锡)有限公司 | Intelligent matching system based on big data analysis |
| CN114936918A (en) * | 2022-05-20 | 2022-08-23 | 天道金科股份有限公司 | Block chain-based wind control data tracking method, terminal device and storage medium |
| CN117172913A (en) * | 2023-10-12 | 2023-12-05 | 广州保德来小额贷款有限公司 | Intelligent contract-based contract change procedure execution method and system |
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109727121A (en) * | 2018-12-25 | 2019-05-07 | 上海点融信息科技有限责任公司 | Debt-credit matching process, signal auditing method based on block chain network |
| CN109886805A (en) * | 2019-03-01 | 2019-06-14 | 浙江一麻贷科技有限公司 | A kind of debt-credit method and system |
| CN110009487A (en) * | 2019-04-10 | 2019-07-12 | 湖北风口网络科技有限公司 | A kind of finance debt-credit methods of risk assessment and system |
| CN110135981A (en) * | 2019-05-24 | 2019-08-16 | 邱明 | A kind of debt-credit method, apparatus, server and storage medium based on block chain |
| CN110400210A (en) * | 2019-07-17 | 2019-11-01 | 微神马科技（大连）有限公司 | A kind of system and method for refunding of making loans automatically |
| CN110555704A (en) * | 2019-07-31 | 2019-12-10 | 阿里巴巴集团控股有限公司 | Credit contract processing method and device based on credit guarantee |
| CN110659978A (en) * | 2019-08-15 | 2020-01-07 | 平安普惠企业管理有限公司 | Data processing method, data processing device, computer equipment and storage medium |
| CN110717820A (en) * | 2019-09-05 | 2020-01-21 | 阿里巴巴集团控股有限公司 | Asset compensation method and device based on block chain and electronic equipment |
| CN110634065A (en) * | 2019-09-19 | 2019-12-31 | 腾讯科技（深圳）有限公司 | Block chain-based loan information processing method, device, equipment and storage medium |
| CN110634065B (en) * | 2019-09-19 | 2024-08-27 | 腾讯科技（深圳）有限公司 | Loan information processing method, device, equipment and storage medium based on blockchain |
| CN111401907A (en) * | 2020-03-11 | 2020-07-10 | 杭州首新网络科技有限公司 | Intelligent wind control method for data dimensionality financial big data |
| CN113129132A (en) * | 2021-05-17 | 2021-07-16 | 中国银行股份有限公司 | Credit credit product application method and device based on block chain |
| CN114331697A (en) * | 2021-12-30 | 2022-04-12 | 鑫恒绅企业服务(无锡)有限公司 | Intelligent matching system based on big data analysis |
| CN114936918A (en) * | 2022-05-20 | 2022-08-23 | 天道金科股份有限公司 | Block chain-based wind control data tracking method, terminal device and storage medium |
| CN114936918B (en) * | 2022-05-20 | 2024-03-29 | 天道金科股份有限公司 | Block chain-based wind control data tracking method, terminal equipment and storage medium |
| CN117172913A (en) * | 2023-10-12 | 2023-12-05 | 广州保德来小额贷款有限公司 | Intelligent contract-based contract change procedure execution method and system |
| CN117172913B (en) * | 2023-10-12 | 2024-02-13 | 广州保德来小额贷款有限公司 | Intelligent contract-based contract change procedure execution method and system |
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