CN110599331A - Debt charging system, method, device and storage medium based on block chain - Google Patents
Debt charging system, method, device and storage medium based on block chain Download PDFInfo
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Abstract
The embodiment of the application discloses a debt charging system, method, device, equipment and storage medium based on a block chain, and belongs to the technical field of networks. The debt charging system comprises loan nodes, asset disposal nodes and debt charging nodes which are arranged based on the debt block chain; the debit and credit node is used for storing a debt information set into the debt block chain, wherein the debt information set comprises at least one piece of debt information, and the debt information comprises index information of a debtor and a debt list of the debtor; the asset handling node is used for generating a debt list of the target debtor according to the debt information set stored in the debt block chain; synchronizing the debt list of the target debtor to a debt collection node; and the debt collection node is used for receiving the debt list of the target debtor. The embodiment of the application improves the collection efficiency.
Description
Technical Field
The embodiment of the application relates to the technical field of networks, in particular to a debt charging system, a debt charging method, a debt charging device, a debt charging equipment and a storage medium based on a block chain.
Background
In recent years, the continuous growth of financial undesirable assets has led to a rapid growth in the incentives industry.
In the related art, the creditor may apply for a loan from the lending institution, and when the creditor has not yet paid beyond the agreed period, the lending institution may employ a lead to urge the creditor for a debt. The early intervention of the professional urging company can recover the overdue assets to the maximum extent, and reduce the litigation of lawsuits and judicial security links.
However, in the related art, information cannot be effectively shared among the collection agencies, and collection work is repeated, so that collection efficiency is low.
Disclosure of Invention
The embodiment of the application provides a debt collection urging system, a debt collection urging method, a debt collection urging device, a debt collection urging equipment and a storage medium based on a block chain, which can be used for solving the technical problems that information cannot be effectively shared among collection urging mechanisms, collection urging work is repeatedly carried out, and collection urging efficiency is low in the related technology. The technical scheme is as follows:
on one hand, the embodiment of the application provides a debt charging system based on a block chain, and the debt charging system comprises a loan node, an asset disposal node and a debt charging node which are arranged based on the block chain of the debt zone;
the lending node is used for storing a debt information set into the debt block chain, wherein the debt information set comprises at least one debt information, and the debt information comprises index information of a debtor and a debt list of the debtor;
the asset disposal node is used for generating a debt list of a target debtor according to the debt information set stored in the debt block chain; synchronizing the debt list of the target debtor to the debt collection node;
and the debt collection node is used for receiving the debt list of the target debtor.
In another aspect, an embodiment of the present application provides a debt collection method based on a blockchain, where the method includes:
receiving a debt list of a target debtor sent by an asset handling node, wherein the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain;
checking whether the debt list is legal;
and if the debt list is legal, executing a collection procedure aiming at the target debtor.
On the other hand, the embodiment of the present application provides a debt collection device based on a blockchain, the device includes:
the system comprises a list receiving module, a list processing module and a display module, wherein the list receiving module is used for receiving a debt list of a target debtor sent by an asset handling node, and the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain;
the list checking module is used for checking whether the debt list is legal or not;
and the debt collection urging module is used for executing a collection urging process aiming at the target debtor if the debt list is legal.
In yet another aspect, embodiments of the present application provide a computer device, which includes a processor and a memory, where at least one instruction, at least one program, a set of codes, or a set of instructions is stored in the memory, and the at least one instruction, the at least one program, the set of codes, or the set of instructions is loaded and executed by the processor to implement the method for debt collection based on a blockchain as described in the above aspect.
In yet another aspect, embodiments of the present application provide a computer-readable storage medium having at least one instruction, at least one program, a set of codes, or a set of instructions stored therein, which are loaded and executed by a processor to implement the method for block chain based debt collection as described in the above aspect.
In yet another aspect, the present application provides a computer program product for performing the above-mentioned block chain based debt collection method when the computer program product is executed.
The beneficial effects brought by the technical scheme provided by the embodiment of the application at least comprise:
the debt information collection stored in the debt zone block chain by the asset handling node generates a debt list of the debtor and synchronizes the debt list to the debt collection urging node, thereby realizing the association of the debt information of the same debtor in different debt institutions, opening a data sharing channel between the debt collection urging nodes, avoiding repeated collection urging work and improving collection urging efficiency.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is an architecture diagram of debt collection of the related art;
FIG. 2 is a schematic structural diagram of a distributed system provided by an embodiment of the present application;
FIG. 3 is a block diagram according to an embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of a debt collection system based on a blockchain according to an embodiment of the present application;
FIG. 5 is a flow chart of a liability earning method based on blockchains according to an embodiment of the present application;
FIG. 6 is an architecture diagram of a liability collection method based on blockchain as provided by an embodiment of the present application;
FIG. 7 is a schematic diagram of a liability collection system based on a blockchain as provided by an embodiment of the present application;
FIG. 8 is a flow chart of a liability earning method based on blockchain as provided in another embodiment of the present application;
FIG. 9 is a block diagram of a liability collection apparatus based on a blockchain as provided by an embodiment of the present application;
fig. 10 is a block diagram of a computer device according to an embodiment of the present application.
Detailed Description
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
In recent years, the continuous growth of financial undesirable assets has led to a rapid growth in the incentives industry. As shown in fig. 1, the debtor may apply for loan from a lending institution such as a bank, an internet financial platform, a folk loan, etc., and the lending institution may hire a collection institution to collect the debtor when the debtor has not paid beyond an agreed period. The early intervention of a professional collection agency can recover overdue assets to the maximum extent, and reduce the involvement of lawsuits and judicial security links.
However, the information cannot be effectively shared among the collection agencies, so that the collection agencies repeatedly perform collection operation and the collection efficiency is low.
The system related to the embodiment of the application can be a distributed system formed by connecting a client, a plurality of nodes (any form of computing equipment in an access network, such as a server and a user terminal) through a network communication mode.
Taking a distributed system as an example of a blockchain system, referring To fig. 2, fig. 2 is an optional structural schematic diagram of the distributed system 200 applied To the blockchain system, which is provided by the embodiment of the present invention and is formed by a plurality of nodes 300 (computing devices in any form in an access network, such as servers and user terminals) and a client 400, a Peer-To-Peer (P2P, Peer To Peer) network is formed between the nodes 300, and the P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP). In distributed system 200, any machine, such as a server or a terminal, may join to become node 300, and node 300 includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.
Referring to the functions of each node in the blockchain system shown in fig. 2, the functions involved include:
1) routing, a basic function that a node has, is used to support communication between nodes.
Besides the routing function, the node may also have the following functions:
2) the application is used for being deployed in a block chain, realizing specific services according to actual service requirements, recording data related to the realization functions to form recording data, carrying a digital signature in the recording data to represent a source of task data, and sending the recording data to other nodes in the block chain system, so that the other nodes add the recording data to a temporary block when the source and integrity of the recording data are verified successfully.
For example, the services implemented by the application include:
2.1) wallet, for providing the function of transaction of electronic money, including initiating transaction (i.e. sending the transaction record of current transaction to other nodes in the blockchain system, after the other nodes are successfully verified, storing the record data of transaction in the temporary blocks of the blockchain as the response of confirming the transaction is valid; of course, the wallet also supports the querying of the electronic money remaining in the electronic money address.
And 2.2) sharing the account book, wherein the shared account book is used for providing functions of operations such as storage, query and modification of account data, record data of the operations on the account data are sent to other nodes in the block chain system, and after the other nodes verify the validity, the record data are stored in a temporary block as a response for acknowledging that the account data are valid, and confirmation can be sent to the node initiating the operations.
2.3) Intelligent contracts, computerized agreements, can implement the terms of a contract, implemented by code deployed on a shared ledger for execution when certain conditions are met, for completing automated transactions according to actual business requirement code. Smart contracts are not limited to executing contracts for transactions, but may also execute contracts that process received information. For example, each organization can provide an acceptance function for crowdsourcing service through an intelligent contract on a block chain deployed in a server, when a receiver completes and feeds back an execution result of a public task, the acceptance function in the intelligent contract is triggered, and automatic transaction is completed according to the verification result; the process not only processes the received execution result, but also completes the automatic transaction.
3) And the Block chain comprises a series of blocks (blocks) which are mutually connected according to the generated chronological order, new blocks cannot be removed once being added into the Block chain, and recorded data submitted by nodes in the Block chain system are recorded in the blocks.
Referring to fig. 3, fig. 3 is an optional schematic diagram of a Block Structure (Block Structure) according to an embodiment of the present invention, where each Block includes a hash value of a transaction record stored in the Block (hash value of the Block) and a hash value of a previous Block, and the blocks are connected by the hash values to form a Block chain. The block may include information such as a time stamp at the time of block generation. A block chain (Blockchain), which is essentially a decentralized database, is a string of data blocks associated by using cryptography, and each data block contains related information for verifying the validity (anti-counterfeiting) of the information and generating a next block.
Schematically, the block chain-based task processing method provided by the present application is applied to the block chain system shown in fig. 2, where a block chain platform constructed based on the block chain system is used to provide task processing services for a publisher and a receiver, a publishing client publishes an open task on the block chain platform through an agent node, the agent node registers task information of the open task and constructs a corresponding intelligent contract, and records the task information of the open task and the intelligent contract into each block chain node in the block chain platform; and the receiving client acquires the public task from the block chain platform through the proxy node, feeds back an execution result of the public task to the block chain platform, verifies the execution result through at least two block chain link points on the block chain platform to obtain a verification result, and feeds back the verification result to the issuing client and the receiving client.
Fig. 4 shows a schematic structural diagram of a debt charging system based on a blockchain according to an exemplary embodiment of the present application. The system includes a plurality of servers 101 and a plurality of storage devices 102, where the plurality of servers 101 may be configured with the same blockchain, that is, the plurality of servers 101 may form a blockchain system, and each server 101 is a node in the blockchain system. Optionally, the nodes in the block chain system include loan nodes, asset handling nodes, debt collection nodes, and audit nodes. The plurality of servers 101 may be a plurality of servers of the same organization, or may be a plurality of servers belonging to different organizations, for example, a server of a bank, a server of a hasty agency, a server of an audit agency, and so on may be included in the blockchain system. Users of various organizations may access the servers of the organizations through the terminals 1011, and the plurality of terminal devices 1011 may be electronic devices capable of accessing the plurality of servers 101, which may be computers, smart phones, tablets, or other electronic devices.
Of course, in order to perform services such as security authentication and rights management, a CA center (Certificate Authority) 103 is configured in the blockchain system and is used for storing keys of each organization, and each server in the blockchain system may obtain the key of each organization from the CA center to perform processes such as encryption and decryption of data. The plurality of storage devices 102 are used for providing storage services for the plurality of servers 101, and it should be noted that the plurality of storage devices 102 may constitute a distributed storage system for providing storage data in a distributed manner.
Referring to fig. 5, a flowchart of a debt collection method based on a block chain according to an embodiment of the present application is shown, where the method is applied to a debt collection system based on fig. 4, and the method includes:
step 501, the lending node stores the debt information set into the debt block chain.
In an embodiment of the present application, the debt information set includes at least one debt information, and the debt information includes index information of the debtor and a debt list of the debtor. The lending node may be a server corresponding to a lending institution, and the lending institution may be an institution such as a bank, an internet financial platform, a national loan, or the like. The debtor applies for loan from the lending institution, the lending institution generates a loan list of the debtor accordingly, when the debtor is overdue and has not paid, the loan list becomes the debt list, and the lending institution uploads the debt information at the lending node. The index information of the debtor is used for uniquely identifying the debtor, and the index information can be the identity card number or the mobile phone number of the debtor or other identity information and the like. The loan node may be a node corresponding to the same loan institution or may be a node corresponding to a plurality of loan institutions.
Step 502, the asset disposal node generates a debt list of the target debtor according to the debt information set stored in the debt block chain.
The debt information set comprises debt information of debtors in different lending institutions, the data cleaning is carried out on the debt information set by the asset handling node, the debt information of the same debtor in different lending institutions is merged based on the index information of the debtors to generate a debt list of a target debtor, and the target debtor can be any one of the debtors stored in the debt zone block chain.
Step 503, the asset disposition node synchronizes the debt list of the target debtor to the debt collection node.
The asset handling node may synchronize the debt inventory of the target debtor to the debt collection node based on the consensus mechanism; or, the asset handling node may send the debt list of the target debtor to the debt charging node when receiving the debt list acquiring request of the debt charging node, where the debt list acquiring request is used for requesting to acquire the debt list.
Step 504, the debt charging node receives the debt list of the target debtor.
The debt collection node can be a node corresponding to the collection agency. After receiving the debt list of the target debtor, the debt collection node can collect the debt of the target debtor, or assign the debt to a corresponding collection agency to collect.
In summary, in the technical scheme provided by the embodiment of the application, the debt lists of the debtors are generated by the asset handling nodes according to the debt information sets stored in the block chain of the debt area by the loan nodes, and the debt lists are synchronously sent to the debt collection urging nodes, so that the correlation of the debt information of the same debtor in different loan institutions is realized, a data sharing channel between the debt collection urging nodes is opened, repeated collection urging work is avoided, and collection urging efficiency is improved.
In addition, the special mechanisms of data encryption transmission, decentralized data storage, multi-party calculation and the like of the block chain technology can break through the region limitation of the traditional collection industry, realize information completion and effectively improve the asset disposal efficiency and the industry transparency, so that the debt collection system established by the block chain technology can integrate industrial resources such as loan institutions, collection agencies, asset disposal agencies and the like, break through information islands and greatly improve the collection efficiency. Meanwhile, the application of the block chain technology can also guarantee the information safety to the maximum extent.
As shown in fig. 6, which illustrates an architecture diagram of a debt collection method based on a block chain according to an embodiment of the present application, the method includes the following steps:
1. the lending node sends a debt information storage request to a control node in the debt block chain;
in an embodiment of the present application, the debt information storage request includes debt information.
2. After receiving the debt information storage request, the control node checks whether the lending node has storage authority;
the method comprises the steps that a node list with storage authority is stored in advance in a control node, when the control node receives a debt information storage request sent by a lending node, the node list stored in advance is searched, whether the lending node is in the node list or not is judged, and if the lending node is in the node list, the lending node is determined to have the storage authority; and if the lending node is not in the node list, determining that the lending node does not have the storage authority.
3. If the lending node has the storage authority, the lending node stores the debt information into the debt block chain;
the debt information set includes at least one debt information, the debt information including index information of the debtor and a debt list of the debtor. If the lending node has the storage authority, the lending node can store the data into the debt block chain.
4. The asset disposal node generates a debt list of the target debtor according to the debt information set stored in the debt block chain;
and the asset disposal node combines the debt lists of the same debtor into one debt list based on the index information of the debtor according to the debt information set stored in the debt zone block chain.
5. The asset handling node synchronizes the debt list of the target debtor to the debt collection node;
6. the debt charging node receives a debt list of the target debtor;
7. the debt collection urging node stores collection urging behavior information generated in the collection urging process into the debt area blockchain;
in the embodiment of the present application, the hasty behavior information is used to characterize the hasty behavior in the hasty process. Illustratively, the catalyst behavior information may include at least one of: short message collection information and address book collection information. And storing the collection accelerating behavior information into the debt block chain, storing the certificate and the solid certificate on the block chain based on the characteristic that the block chain can not be tampered, and coping with the following possible legal risk.
Optionally, before the debt collection node collects the target debtor, it may prove whether the debt list is legal or not; and if the debt list is legal, the target debtor is urged to collect.
Illustratively, verifying that the debt inventory is legitimate may comprise the steps of: comparing whether the first hash value and the second hash value are the same; and if the first hash value and the second hash value are the same, determining that the debt list is legal.
In this embodiment of the application, the first hash value is a hash value generated by the lending node based on the debt list, and the second hash value is a hash value generated by the debt collection node based on the debt list acquired by the debt collection node. The loan institution sends the debt list to the collection institution, the collection institution sends the debt list to the debt collection node after receiving the debt list, the debt collection node generates a second hash value based on the obtained debt list, the second hash value is compared with a first hash value generated by the loan node, and if the first hash value and the second hash value are the same, the debt list sent to the collection institution by the loan institution is consistent with the original debt list stored by the loan institution; if the first hash value and the second hash value are different, the debt list sent to the collection agency by the borrowing agency is inconsistent with the originally stored debt list of the borrowing agency, and the debt list sent to the collection agency by the borrowing agency is illegal.
8. The supervision and audit node sends a behavior audit request to the debt collection node;
in the embodiment of the application, the behavior audit request is used for acquiring the collection prompting behavior information from the debt collection prompting node. The supervision and audit node can be a node corresponding to a supervision and audit organization, and the supervision and audit organization can be an organization such as the China Bank insurance supervision and management Committee (insurance Authority), the China banking industry supervision and management Committee (banking Authority), market supervision, human resources and the like.
9. The supervision audit node receives the information of the receiving-forcing behavior;
10. and the supervision and audit node audits whether the collection prompting behavior information is in compliance.
The supervision auditing node can perform log auditing or behavior auditing or other auditing on the collection behavior information.
In other possible implementation manners, an extensible node may be added in the debt block chain to meet the service requirement.
Fig. 7 is a schematic diagram illustrating a liability collection system based on blockchain according to an embodiment of the present application, which includes an application layer 710, a blockchain service layer 720, and a node management layer 730.
And the application layer 710 is used for providing functions of identity authentication, asset disposal, invoicing management and control, online card storage and the like.
And the block chain service layer 720 is used for providing functions of short message invoicing, evidence storage, address book invoicing, lost message recording, evidence credibility verification, associated evidence tracing, operation behavior auditing, identity real name authentication and the like for the debt collection system. Optionally, the blockchain includes one or more blockchains, which may be federation chains. The federation chain refers to a block chain requiring registration permission, is named a permitted chain (permitted Block), is limited to participation of federation members, can be in different countries or different organizations, and nodes on the federation chain can adopt the same processing mode for the same service through a consensus process. The debt collection system is constructed based on the federation chain.
The node management layer 730 comprises loan nodes, asset handling nodes, debt collection nodes, auditing nodes and the like.
Next, a method of collecting debt information will be described.
Fig. 8 is a flowchart illustrating a debt collection method based on a blockchain according to another embodiment of the present application. The method may comprise the steps of:
step 801, receiving a debt list of a target debtor sent by an asset handling node, wherein the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain.
Step 802, checking whether the debt list is legal.
Optionally, verifying whether the debt inventory is legal based on the first hash value and the second hash value; if the first hash value is the same as the second hash value, determining that the debt list is legal; the first hash value is generated by the lending node based on the debt list, and the second hash value is generated by the debt collection node based on the debt list acquired by the debt collection node.
In step 803, if the debt list is legal, a collection procedure for the target debtor is executed.
In summary, in the technical scheme provided by the embodiment of the present application, the debt list of the debtor is generated by the asset handling node according to the debt information set in the debt zone block chain, and the debt collection urging node urges the debtor to collect based on the debt list under the condition that the debt list is checked to be legal, so that the correlation of the debt information of the same debtor at different lending institutions is realized, a data sharing channel between the debt collection urging nodes is opened, and the collection urging efficiency is improved.
The following are embodiments of the apparatus of the present application that may be used to perform embodiments of the method of the present application. For details which are not disclosed in the embodiments of the apparatus of the present application, reference is made to the embodiments of the method of the present application.
Referring to fig. 9, a block diagram of a debt collection device based on a blockchain according to an embodiment of the present application is shown. The device has the functions of realizing the method examples, and the functions can be realized by hardware or by hardware executing corresponding software. The apparatus 900 may include: a list receiving module 910, a list checking module 920 and a debt charging module 930.
The list receiving module 910 is configured to receive a debt list of a target debtor sent by an asset handling node, where the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain.
The list checking module 920 is configured to check whether the debt list is legal.
The debt collection module 930 is configured to execute a collection procedure for the target debtor if the debt list is legal.
In summary, in the technical scheme provided by the embodiment of the present application, the debt list of the debtor is generated by the asset handling node according to the debt information set in the debt zone block chain, and the debt collection urging node urges the debtor to collect based on the debt list under the condition that the debt list is checked to be legal, so that the correlation of the debt information of the same debtor at different lending institutions is realized, a data sharing channel between the debt collection urging nodes is opened, and the collection urging efficiency is improved.
In an exemplary embodiment, the manifest verification module 920 is configured to:
comparing whether the first hash value and the second hash value are the same; the first hash value is generated by the lending node based on the debt list, and the second hash value is generated by the debt charging node based on the debt list acquired by the debt charging node;
and if the first hash value and the second hash value are the same, determining that the debt list is legal.
It should be noted that, when the apparatus provided in the foregoing embodiment implements the functions thereof, only the division of the functional modules is illustrated, and in practical applications, the functions may be distributed by different functional modules according to needs, that is, the content structure of the device may be divided into different functional modules to implement all or part of the functions described above. In addition, the apparatus and method embodiments provided by the above embodiments belong to the same concept, and specific implementation processes thereof are described in the method embodiments for details, which are not described herein again.
Referring to fig. 10, a schematic structural diagram of a computer device according to an embodiment of the present application is shown. The computer device is used for implementing the debt collection method based on the block chain provided in the above embodiment. Specifically, the method comprises the following steps:
the computer apparatus 1000 includes a Central Processing Unit (CPU)1001, a system Memory 1004 including a RAM (Random Access Memory) 1002 and a ROM (Read-Only Memory) 1003, and a system bus 1005 connecting the system Memory 1004 and the central processing unit 1001. The computer device 1000 also includes a basic Input/Output system (I/O system) 1006, which helps to transfer information between devices within the computer, and a mass storage device 1007, which stores an operating system 1013, application programs 1014, and other program modules 1015.
The basic input/output system 1006 includes a display 1008 for displaying information and an input device 1009, such as a mouse, keyboard, etc., for user input of information. Wherein the display 1008 and input device 1009 are connected to the central processing unit 1001 through an input-output controller 1010 connected to the system bus 1005. The basic input/output system 1006 may also include an input/output controller 1010 for receiving and processing input from a number of other devices, such as a keyboard, mouse, or electronic stylus. Similarly, the input-output controller 1010 also provides output to a display screen, a printer, or other type of output device.
The mass storage device 1007 is connected to the central processing unit 1001 through a mass storage controller (not shown) connected to the system bus 1005. The mass storage device 1007 and its associated computer-readable media provide non-volatile storage for the computer device 1000. That is, the mass storage device 1007 may include a computer-readable medium (not shown) such as a hard disk or a CD-ROM (Compact disk Read-Only Memory) drive.
Without loss of generality, the computer-readable media may comprise computer storage media and communication media. Computer storage media includes volatile and nonvolatile, removable and non-removable media implemented in any method or technology for storage of information such as computer readable instructions, data structures, program modules or other data. Computer storage media includes RAM, ROM, EPROM (Erasable Programmable Read-Only Memory), EEPROM (Electrically Erasable Programmable Read-Only Memory), Flash Memory (Flash Memory) or other solid state Memory technology, CD-ROM, DVD (Digital versatile disk) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices. Of course, those skilled in the art will appreciate that the computer storage media is not limited to the foregoing. The system memory 1004 and mass storage device 1007 described above may be collectively referred to as memory.
According to various embodiments of the present application, the computer device 1000 may also operate as a remote computer connected to a network via a network, such as the Internet. That is, the computer device 1000 may be connected to the network 1012 through the network interface unit 1011 connected to the system bus 1005, or may be connected to other types of networks or remote computer systems (not shown) using the network interface unit 1011.
The memory also includes one or more programs stored in the memory and configured to be executed by one or more processors. The one or more programs include instructions for implementing the methods described above.
In an exemplary embodiment, a computer device is provided that includes a processor and a memory having at least one instruction, at least one program, set of codes, or set of instructions stored therein. The at least one instruction, at least one program, set of codes, or set of instructions is configured to be executed by one or more processors to implement the above-described method.
In an exemplary embodiment, a computer device is also provided that includes a processor and a memory having at least one instruction, at least one program, set of codes, or set of instructions stored therein. The at least one instruction, at least one program, set of codes, or set of instructions is configured to be executed by one or more processors to implement the above-described method.
In an exemplary embodiment, a computer readable storage medium is also provided, in which at least one instruction, at least one program, a set of codes or a set of instructions is stored, which when executed by a processor of a terminal implements the above method.
Alternatively, the computer-readable storage medium may be a ROM, a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.
In an exemplary embodiment, a computer program product is also provided for implementing the above method when executed.
It should be understood that reference to "a plurality" herein means two or more. "and/or" describes the association relationship of the associated objects, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. In addition, the step numbers described herein only exemplarily show one possible execution sequence among the steps, and in some other embodiments, the steps may also be executed out of the numbering sequence, for example, two steps with different numbers are executed simultaneously, or two steps with different numbers are executed in a reverse order to the order shown in the figure, which is not limited by the embodiment of the present application.
It will be understood by those skilled in the art that all or part of the steps for implementing the above embodiments may be implemented by hardware, or may be implemented by a program instructing relevant hardware, where the program may be stored in a computer-readable storage medium, and the above-mentioned storage medium may be a read-only memory, a magnetic disk or an optical disk, etc.
The above description is only exemplary of the present application and should not be taken as limiting the present application, and any modifications, equivalents, improvements and the like that are made within the spirit and principle of the present application should be included in the protection scope of the present application.
Claims (10)
1. The debt collection system based on the block chain is characterized by comprising a loan node, an asset disposal node and a debt collection node which are arranged based on the block chain of the debt area;
the lending node is used for storing a debt information set into the debt block chain, wherein the debt information set comprises at least one debt information, and the debt information comprises index information of a debtor and a debt list of the debtor;
the asset disposal node is used for generating a debt list of a target debtor according to the debt information set stored in the debt block chain; synchronizing the debt list of the target debtor to the debt collection node;
and the debt collection node is used for receiving the debt list of the target debtor.
2. The system according to claim 1, wherein the debt collection node is further configured to store collection behavior information generated in a collection process into the debt block chain, and the collection behavior information is used to characterize collection behavior in the collection process.
3. The system of claim 2, wherein said liability collection system further comprises a regulatory audit node for:
sending an action auditing request to the debt collection node, wherein the action auditing request is used for acquiring the collection action information from the debt collection node;
receiving the collection prompting behavior information;
and auditing whether the collection prompting behavior information is in compliance.
4. The system of claim 1, wherein the debt collection node is configured to:
comparing whether the first hash value and the second hash value are the same; the first hash value is generated by the lending node based on the debt list, and the second hash value is generated by the debt charging node based on the debt list acquired by the debt charging node;
and if the first hash value and the second hash value are the same, determining that the debt list is legal.
5. The system of claim 1,
the lending node is used for sending a debt information storage request to a control node in the debt block chain, and the debt information storage request comprises the debt information;
the control node is used for verifying whether the lending node has storage authority or not after receiving the debt information storage request;
and the lending node is further used for storing the debt information into the debt block chain if the lending node has the storage authority.
6. A debt collection method based on a blockchain, the method comprising:
receiving a debt list of a target debtor sent by an asset handling node, wherein the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain;
checking whether the debt list is legal;
and if the debt list is legal, executing a collection procedure aiming at the target debtor.
7. The method of claim 6, wherein said verifying whether said list of debts is legitimate comprises:
comparing whether the first hash value and the second hash value are the same; the first hash value is generated by the lending node based on the debt list, and the second hash value is generated by the debt charging node based on the debt list acquired by the debt charging node;
and if the first hash value and the second hash value are the same, determining that the debt list is legal.
8. A debt collection apparatus based on a blockchain, the apparatus comprising:
the system comprises a list receiving module, a list processing module and a display module, wherein the list receiving module is used for receiving a debt list of a target debtor sent by an asset handling node, and the debt list of the target debtor is generated by the asset handling node according to a debt information set stored in a debt block chain;
the list checking module is used for checking whether the debt list is legal or not;
and the debt collection urging module is used for executing a collection urging process aiming at the target debtor if the debt list is legal.
9. A computer device comprising a processor and a memory, the memory having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, the at least one instruction, the at least one program, the set of codes, or the set of instructions being loaded and executed by the processor to implement the blockchain based debt collection method according to any one of claims 6 to 7.
10. A computer readable storage medium having stored therein at least one instruction, at least one program, a set of codes, or a set of instructions, which is loaded and executed by a processor to implement the blockchain based debt collection method according to any one of claims 6 to 7.
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