CN110634065A - Block chain-based loan information processing method, device, equipment and storage medium - Google Patents
Block chain-based loan information processing method, device, equipment and storage medium Download PDFInfo
- Publication number
- CN110634065A CN110634065A CN201910887512.7A CN201910887512A CN110634065A CN 110634065 A CN110634065 A CN 110634065A CN 201910887512 A CN201910887512 A CN 201910887512A CN 110634065 A CN110634065 A CN 110634065A
- Authority
- CN
- China
- Prior art keywords
- deduction
- record
- repayment
- information
- block chain
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Granted
Links
- 230000010365 information processing Effects 0.000 title claims abstract description 23
- 238000003672 processing method Methods 0.000 title claims abstract description 13
- 238000012544 monitoring process Methods 0.000 claims abstract description 44
- 238000000034 method Methods 0.000 claims abstract description 32
- 230000000875 corresponding effect Effects 0.000 claims description 33
- 238000012545 processing Methods 0.000 claims description 32
- 238000004590 computer program Methods 0.000 claims description 23
- 230000004044 response Effects 0.000 claims description 22
- 238000012790 confirmation Methods 0.000 claims description 16
- 230000002596 correlated effect Effects 0.000 claims description 4
- 230000008569 process Effects 0.000 description 12
- 238000007726 management method Methods 0.000 description 8
- 238000010586 diagram Methods 0.000 description 7
- 230000001960 triggered effect Effects 0.000 description 5
- 230000006978 adaptation Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 238000012550 audit Methods 0.000 description 2
- 230000002452 interceptive effect Effects 0.000 description 2
- 238000012423 maintenance Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 230000001360 synchronised effect Effects 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 1
- 238000013475 authorization Methods 0.000 description 1
- 230000005540 biological transmission Effects 0.000 description 1
- 238000004891 communication Methods 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 230000003862 health status Effects 0.000 description 1
- 230000007246 mechanism Effects 0.000 description 1
- 238000012954 risk control Methods 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
- 230000000007 visual effect Effects 0.000 description 1
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The application relates to a block chain-based loan information processing method, a device, equipment and a storage medium, wherein the method comprises the following steps: after a borrowing request of a borrower is received and electronic borrowing data is generated based on the borrowing request, the electronic borrowing data is stored on a block chain, so that the block chain stores the electronic borrowing data and associated loan identification; monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in a block chain in an associated mode, and sending a deduction request to the bank node; and monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information including whether litigation is initiated to the borrower when the deduction record does not meet the requirement of agreed deduction. The scheme provided by the application can realize the full-flow monitoring of the loan information by using the intelligent contract of the block chain.
Description
Technical Field
The present application relates to the field of information technology, and in particular, to a method, an apparatus, a device, and a storage medium for processing loan information based on a block chain.
Background
With the development of the technology in the internet financial field, more and more individuals or enterprises tend to borrow through the network lending platform, however, the transaction information in the current network lending process lacks full-process monitoring, and disputes are easily generated, for example, when a borrower refuses to pay but not pay, the problem of difficulty in obtaining evidence exists.
Disclosure of Invention
Based on this, it is necessary to provide a block chain-based loan information processing method, apparatus, device and storage medium for solving the technical problem that the transaction information in the current network loan process lacks full-flow monitoring.
A method for processing loan information based on a blockchain, the method comprising:
after a borrowing request of a borrower is received and electronic borrowing is generated based on the borrowing request, the electronic borrowing is stored on a block chain, so that the block chain stores the electronic borrowing and lending identification related to the electronic borrowing; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
A blockchain-based loan information processing apparatus, the apparatus comprising:
the borrowing processing module is used for storing the electronic borrowing data to a block chain after receiving a borrowing request of a borrower and generating the electronic borrowing data based on the borrowing request, so that the block chain stores the electronic borrowing data and a lending identifier associated with the electronic borrowing data; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
the repayment processing module is used for monitoring a repayment record of the borrower and storing the repayment record and the loan identifier in a related manner to the block chain; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
the deduction processing module is used for monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of:
after a borrowing request of a borrower is received and electronic borrowing is generated based on the borrowing request, the electronic borrowing is stored on a block chain, so that the block chain stores the electronic borrowing and lending identification related to the electronic borrowing; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
A computer-readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of:
after a borrowing request of a borrower is received and electronic borrowing is generated based on the borrowing request, the electronic borrowing is stored on a block chain, so that the block chain stores the electronic borrowing and lending identification related to the electronic borrowing; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
After the electronic borrowing data is generated, whether the bank deduction triggering conditions are met is judged by monitoring the repayment records of borrowers, whether the litigation triggering conditions are met is judged by monitoring the deduction records of bank nodes, whether the litigation prompting triggering conditions are met is judged, the transaction information in the borrowing process is monitored in the whole process by using block chain intelligent contracts, when the triggering conditions are met, execution of corresponding matters is automatically triggered, and the electronic borrowing data, the repayment records, the deduction records and other related transaction information are stored through the block chains, so that authenticity and traceability of the transaction information are guaranteed, deposit of the transaction information is realized, and the confirmation of authority of transaction parties is facilitated.
Drawings
FIG. 1 is a diagram illustrating an exemplary embodiment of a block chain-based loan information processing method;
FIG. 2 is a flowchart illustrating a method for processing loan information based on a blockchain according to an embodiment;
FIG. 3 is a flowchart illustrating a method for processing loan information based on a blockchain according to one embodiment;
FIG. 4 is a block diagram of an exemplary blockchain-based loan information processing apparatus;
FIG. 5 is a block diagram showing an exemplary block chain-based loan information processing apparatus;
FIG. 6 is a block diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.
The block chain underlying platform can comprise processing modules such as user management, basic service, intelligent contract and operation monitoring. The user management module is responsible for identity information management of all blockchain participants, and comprises public and private key generation maintenance (account management), key management, user real identity and blockchain address corresponding relation maintenance (authority management) and the like, and under the authorization condition, the user management module supervises and audits the transaction condition of certain real identities and provides rule configuration (wind control audit) of risk control; the basic service module is deployed on all block chain node equipment and used for verifying the validity of the service request, recording the service request to storage after consensus on the valid request is completed, for a new service request, the basic service firstly performs interface adaptation analysis and authentication processing (interface adaptation), then encrypts service information (consensus management) through a consensus algorithm, transmits the service information to a shared account (network communication) completely and consistently after encryption, and performs recording and storage; the intelligent contract module is responsible for registering and issuing contracts, triggering the contracts and executing the contracts, developers can define contract logics through a certain programming language, issue the contract logics to a block chain (contract registration), call keys or other event triggering and executing according to the logics of contract clauses, complete the contract logics and simultaneously provide the function of upgrading and canceling the contracts; the operation monitoring module is mainly responsible for deployment, configuration modification, contract setting, cloud adaptation in the product release process and visual output of real-time states in product operation, such as: alarm, monitoring network conditions, monitoring node equipment health status, and the like.
The platform product service layer provides basic capability and an implementation framework of typical application, and developers can complete block chain implementation of business logic based on the basic capability and the characteristics of the superposed business. The application service layer provides the application service based on the block chain scheme for the business participants to use.
Fig. 1 is a diagram illustrating an exemplary block chain-based loan information processing method according to an embodiment. As shown in fig. 1, the application environment relates to a terminal 110, a lending node server 120, a bank node server 130 and a judicial node server 140, the lending node server 120, the bank node server 130 and the judicial node server 140 are node servers on a blockchain, the node servers are connected with each other through a network and establish an intelligent contract based on consensus, and the terminal 110 and the lending node server 120 are connected through the network. The user may access the loan platform through terminal 110 and the loan node server 120 may be the server on which the loan platform resides. The terminal 110 may be a desktop terminal or a mobile terminal, and the mobile terminal may be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The lending node server 120, the bank node server 130, or the judicial node server 140 may be implemented as a stand-alone server or as a server cluster of multiple servers.
In one embodiment, as shown in fig. 2, a block chain based loan information processing method is provided. This embodiment is mainly illustrated by applying the method to the lending node server 120 in fig. 1. Referring to fig. 2, the block chain-based loan information processing method specifically includes the following steps S202 to S206.
S202, after a borrowing request of a borrower is received and electronic borrowing data is generated based on the borrowing request, the electronic borrowing data is stored on a block chain, so that the block chain stores the electronic borrowing data and loan identification related to the electronic borrowing data; the electronic loan includes borrowing information and an appointment payment request.
Wherein, the borrowing information can include: the amount borrowed, the time borrowed, the borrower account information, and the lender account information. The contracted payment request may include: the payment mode, interest rate, payment period and corresponding payment amount can also comprise appointed deduction account information and appointed collection account information, wherein the appointed deduction account information is account information authorized to be deducted when the borrower does not actively pay according to the appointment, and the appointed collection account information is account information used for receiving the deduction by the borrower.
The loan identifier is used as a unique identifier corresponding to the loan service, and when one loan service comprises a plurality of pieces of related transaction information, the plurality of pieces of related transaction information can be associated through the loan identifier. The relevant transaction information herein may include all the interactive information involved in the process from borrowing to repayment.
In one embodiment, the loan node further generates a loan identifier based on the loan request, and stores the electronic loan and the loan identifier association on the blockchain. In another embodiment, the lending node stores the electronic loan onto the blockchain such that the blockchain stores the electronic loan and generates a lending identifier associated with the electronic loan, and then receives the lending identifier returned by the blockchain. Therefore, when the related transaction information of the loan service is subsequently stored, the related transaction information and the loan identifier are stored in the block chain in a correlated manner, the related transaction information of the loan service stored in the block chain is correlated through the loan identifier, and further all the stored related transaction information of the loan service can be obtained by inquiring in the block chain according to the loan application loan identifier.
S204, monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to the bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the debit request includes a debit identification.
When the repayment record does not meet the agreed repayment requirement, namely the borrower does not repay according to the agreement, the bank deduction triggering condition is met, and the lending node is triggered to call the intelligent contract on the block chain to send a deduction request to the bank node, so that the bank node deducts the agreed deduction account. The account information of the appointed deduction account and the appointed collection account for receiving the deduction can be determined in the borrowing request and recorded in the electronic borrowing data.
S206, monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to the lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node by obtaining appointed deduction information corresponding to the borrowing identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the borrowing identifier are stored in the block chain in a correlation mode; the prompt message includes information on whether litigation has been initiated for the borrower.
When the deduction record does not meet the requirement of the appointed deduction, namely the bank node fails to deduct money according to the appointment, the requirement of litigation prompt triggering is met, the lending node is triggered to call the intelligent contract on the block chain to send prompt information to the lender so as to prompt the lender whether to initiate litigation to the lender. The prompting mode may be a short message prompting, a mail prompting, an instant messaging software prompting or other possible prompting modes, which is not limited herein.
According to the debit and credit information processing method based on the block chain, after electronic debit data is generated, whether bank deduction triggering conditions are met is judged by monitoring the repayment records of a borrower, whether lition prompting triggering conditions are met is judged by monitoring the deduction records of bank nodes, transaction information in the debit and credit process is monitored in the whole process by using the block chain intelligent contract, corresponding matters are automatically triggered to be executed when the triggering conditions are monitored, and the electronic debit data, the repayment records, the deduction records and other related transaction information are stored through the block chain, authenticity and traceability of the transaction information are guaranteed, transaction information storage is achieved, and the responsibility of transaction authorities can be confirmed.
As shown in fig. 3, in one embodiment, the following step S208 is further included: and when the confirmation information is monitored to be that litigation is determined to be initiated to the borrower, litigation requests are sent to the judicial nodes, and the litigation requests comprise the lending identification and electronic borrowing data, repayment records, deduction records and confirmation information associated with the lending identification.
In this embodiment, when the lender determines to initiate litigation for the borrower, the litigation triggering condition is satisfied, and the lending node is triggered to invoke the intelligent contract on the block chain to send a litigation request to the judicial node. The loan identifier, the electronic loan data, the repayment record, the deduction record, the confirmation information and the like are submitted as evidences, and the judicial node can inquire and obtain the evidences which have been certified from the block chain according to the loan identifier so as to verify the authenticity of the submitted evidences.
In one embodiment, the monitoring of the deduction record obtained by the bank node based on the deduction request specifically includes the following steps: and receiving a first deduction response returned by the bank node, wherein the first deduction response carries a deduction record obtained based on the deduction request and the loan identifier.
In this embodiment, a deduction record is generated by the bank node, and the deduction record and the loan identifier association are stored in the block chain, and the loan node directly receives the deduction record returned from the bank node. Further, after receiving the first deduction response returned by the bank node, the lending node queries and obtains a deduction record associated with the lending identifier from the block chain, verifies the authenticity of the deduction record carried in the first deduction response based on the deduction record obtained by querying, determines the authenticity of the deduction record obtained from the bank node, and improves the transaction safety.
In one embodiment, the monitoring of the deduction record obtained by the bank node based on the deduction request specifically includes the following steps: receiving a second deduction response returned by the bank node, wherein the second deduction response carries a loan identifier; and obtaining a deduction record associated with the loan identifier from the block chain query.
In the embodiment, the bank node generates the deduction record, stores the deduction record and the loan identifier in the block chain in a correlation manner, and queries and obtains the deduction record from the block chain according to the loan identifier, so that the obtained deduction record is real, and the transaction safety is improved.
In one embodiment, the agreed repayment requirements include: appointing a repayment deadline and a corresponding appointed repayment amount; the repayment record comprises a repayment amount before the appointed repayment deadline; and when the repayment amount is less than the agreed repayment amount, judging that the repayment record does not meet the agreed repayment requirement.
For example, the borrowing time is 2018, 8, 10: 00, the appointed repayment period is 24:00 in 8 and 8 months in 2019, the corresponding appointed repayment amount is 1 ten thousand, and if the monitoring shows that 10 in 8 and 8 months in 2018: and if the repayment amount contained in the corresponding repayment record in the period of 24:00 in 8 months and 8 days from 00 to 2019 is less than 1 ten thousand, judging that the repayment record does not meet the agreed repayment requirement. It can be understood that if it is monitored that no payment record exists in the period, namely the payment amount is 0, the payment record is judged not to meet the agreed payment requirement. The repayment records can also comprise a plurality of repayment records, and if the total amount of the repayment amount contained in the corresponding repayment records in the period is monitored to be less than 1 ten thousand, the repayment records are judged not to meet the agreed repayment requirement.
In one embodiment, the default deduction requirement includes: appointing a deduction period and a corresponding appointed deduction amount; the deduction record comprises the deduction amount of the appointed deduction account before the appointed deduction period; and when the deduction amount is less than the appointed deduction amount, judging that the deduction record does not meet the appointed deduction requirement.
For example, the appointed repayment period is 24:00 in 8/2019, the appointed deduction period is 24:00 in 9/8/2019, the corresponding appointed deduction amount is 1 ten thousand, the appointed deduction account is a, the appointed collection account is B, and if 24 in 8/2018 is detected: and if the transfer amount from the account A to the account B in the corresponding deduction record within the period of 24:00 in 8 months and 9 days in 2019 is less than 1 ten thousand, judging that the deduction record does not meet the requirement of appointment deduction. It can be understood that if it is detected that no deduction record exists in the period, for example, the balance of the account a is 0, that is, the deduction amount is 0, it is determined that the deduction record does not meet the requirement of making a deduction.
The appointed deduction account can also comprise a plurality of deduction records, and the corresponding deduction records can comprise a plurality of deduction records, for example, the appointed deduction account sequentially comprises a1 and a2 according to a deduction sequence, if the balance of the account a1 is less than 1 ten thousand, the remaining deduction is deducted from the account a2 after the balance in the account a1 is deducted, if the balance of the account a2 is not enough to deduct the remaining deduction, the balance in the account a2 is deducted to form two deduction records, at this time, if the sum of the deduction amount contained in the two deduction records is monitored to be less than 1 ten thousand, the deduction record is judged to not meet the appointed deduction requirement.
In one embodiment, the contracted debit amount comprises the difference between the repayment amount and the contracted repayment amount. For example, if the payment amount is 1 ten thousand, and the payment amount is 8 thousands, the payment amount is at least 2 thousands.
In one embodiment, the lending node further stores the hint information in association with the lending id on the blockchain. The prompt information reflects the interactive process that the lending node confirms whether litigation is initiated to the borrower or not to the borrower, and the prompt information is stored on the block chain and used for verifying the litigation intention of the borrower.
It should be understood that although the various steps in the flow charts of fig. 2-3 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-3 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.
As shown in fig. 4, in one embodiment, there is provided a block chain-based loan information processing apparatus 400 including: a borrowing processing module 410, a repayment processing module 420 and a deduction processing module 430.
The borrowing processing module 410 is used for storing the electronic borrowing data to the block chain after receiving a borrowing request of a borrower and generating the electronic borrowing data based on the borrowing request, so that the block chain stores the electronic borrowing data and the lending identification associated with the electronic borrowing data; the electronic loan includes borrowing information and an appointment payment request.
The repayment processing module 420 is configured to monitor a repayment record of the borrower, and store the repayment record and the loan identifier in association with each other on the block chain; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to the bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the debit request includes a debit identification.
The deduction processing module 430 is used for monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to the lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node by obtaining appointed deduction information corresponding to the borrowing identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the borrowing identifier are stored in the block chain in a correlation mode; the prompt message includes information on whether litigation has been initiated for the borrower.
The borrowing and lending information processing device based on the block chain judges whether bank deduction triggering conditions are met or not by monitoring the repayment record of a borrower after electronic borrowing data is generated, judges whether lition prompting triggering conditions are met or not by monitoring the deduction record of bank nodes, utilizes the block chain intelligent contract to carry out whole-course monitoring on transaction information in the borrowing and lending process, automatically triggers execution of corresponding matters when the triggering conditions are monitored to be met, stores the electronic borrowing data, the repayment record, the deduction record and other related transaction information through the block chain, guarantees authenticity and traceability of the transaction information, achieves transaction information deposit, and helps to determine liability of transaction parties.
As shown in fig. 5, in one embodiment, the apparatus further includes a litigation processing module 440, configured to monitor confirmation information returned by the lender according to the prompt information, store the confirmation information in association with the loan identifier on the block chain, and send a litigation request to the judicial node when it is detected that the confirmation information is determined that litigation is to be initiated for the borrower, where the litigation request includes the loan identifier and the electronic borrowing data, repayment record, deduction record, and confirmation information associated with the loan identifier.
In one embodiment, the deduction processing module 430 is configured to monitor a deduction record obtained by the bank node based on the deduction request, and specifically configured to: and receiving a first deduction response returned by the bank node, wherein the first deduction response carries a deduction record obtained based on the deduction request and the loan identifier.
In one embodiment, the deduction processing module 430 is configured to monitor a deduction record obtained by the bank node based on the deduction request, and specifically configured to: receiving a second deduction response returned by the bank node, wherein the second deduction response carries a loan identifier; and obtaining a deduction record associated with the loan identifier from the block chain query.
In one embodiment, the agreed repayment requirements include: appointing a repayment deadline and a corresponding appointed repayment amount; the repayment record comprises a repayment amount before the appointed repayment deadline; the repayment processing module 420 is further configured to determine that the repayment record does not satisfy the agreed repayment requirement when the repayment amount is less than the agreed repayment amount.
In one embodiment, the default deduction requirement includes: appointing a deduction period and a corresponding appointed deduction amount; the deduction record comprises the deduction amount of the appointed deduction account before the appointed deduction period; the deduction processing module 430 is further configured to determine that the deduction record does not satisfy the default deduction requirement when the deduction amount is less than the default deduction amount.
In one embodiment, the contracted debit amount comprises the difference between the repayment amount and the contracted repayment amount.
In one embodiment, the deduction processing module 430 is further configured to store the hint information in association with the loan identity on the blockchain.
For specific limitations of the block chain-based loan information processing apparatus, reference may be made to the above limitations of the block chain-based loan information processing method, which are not described herein again. The respective modules in the above block chain-based loan information processing apparatus may be implemented in whole or in part by software, hardware, and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
FIG. 6 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be the lending node server 120 of fig. 1. As shown in fig. 6, the computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, causes the processor to implement a block chain-based loan information processing method. The internal memory may also have a computer program stored therein, which when executed by the processor, causes the processor to perform a method for processing loan information based on a blockchain.
Those skilled in the art will appreciate that the architecture shown in fig. 6 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, the block chain-based loan information processing apparatus provided herein may be implemented in the form of a computer program that is executable on a computer device such as the one shown in fig. 6. The memory of the computer device may store therein various program modules constituting the block chain-based loan information processing apparatus, such as a loan processing module, a payment processing module, and a deduction processing module shown in fig. 4. The respective program modules constitute computer programs that cause the processors to execute the steps in the block chain-based loan information processing method according to the respective embodiments of the present application described in the present specification.
For example, the computer device shown in fig. 6 may execute step S202 by the loan processing module in the block chain-based loan information processing apparatus shown in fig. 4. The computer device may perform step S204 through the payment processing module. The computer device may perform step S206 through the deduction processing module.
In one embodiment, there is provided a computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of: after a borrowing request of a borrower is received and electronic borrowing data is generated based on the borrowing request, the electronic borrowing data is stored on a block chain, so that the block chain stores the electronic borrowing data and loan identification related to the electronic borrowing data; the electronic borrowing data comprises borrowing information and an appointment repayment requirement; monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to the bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises a loan identifier; monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to the lender when the deduction record does not meet the appointed deduction requirement; the deduction record is a record obtained by the bank node by obtaining appointed deduction information corresponding to the borrowing identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the borrowing identifier are stored in the block chain in a correlation mode; the prompt message includes information on whether litigation has been initiated for the borrower.
In one embodiment, the computer program causes the processor to further perform the steps of: and when the confirmation information is monitored to be that litigation is determined to be initiated to the borrower, litigation requests are sent to the judicial nodes, and the litigation requests comprise the lending identification and electronic borrowing data, repayment records, deduction records and confirmation information associated with the lending identification.
In one embodiment, the computer program causes the processor, when executing the deduction record obtained by the monitoring bank node based on the deduction request, to specifically execute the following steps: and receiving a first deduction response returned by the bank node, wherein the first deduction response carries a deduction record obtained based on the deduction request and the loan identifier.
In one embodiment, the computer program causes the processor, when executing the deduction record obtained by the monitoring bank node based on the deduction request, to specifically execute the following steps: receiving a second deduction response returned by the bank node, wherein the second deduction response carries a loan identifier; and obtaining a deduction record associated with the loan identifier from the block chain query.
In one embodiment, the agreed repayment requirements include: appointing a repayment deadline and a corresponding appointed repayment amount; the repayment record comprises a repayment amount before the appointed repayment deadline; the computer program causes the processor to further perform the steps of: and when the repayment amount is less than the agreed repayment amount, judging that the repayment record does not meet the agreed repayment requirement.
In one embodiment, the default deduction requirement includes: appointing a deduction period and a corresponding appointed deduction amount; the deduction record comprises the deduction amount of the appointed deduction account before the appointed deduction period; the computer program causes the processor to further perform the steps of: and when the deduction amount is less than the appointed deduction amount, judging that the deduction record does not meet the appointed deduction requirement.
In one embodiment, the contracted debit amount comprises the difference between the repayment amount and the contracted repayment amount.
In one embodiment, the computer program causes the processor to further perform the steps of: and storing the prompt message and the loan identifier in association with each other on the block chain.
In one embodiment, a computer readable storage medium is provided, storing a computer program that, when executed by a processor, causes the processor to perform the steps of: after a borrowing request of a borrower is received and electronic borrowing data is generated based on the borrowing request, the electronic borrowing data is stored on a block chain, so that the block chain stores the electronic borrowing data and loan identification related to the electronic borrowing data; the electronic borrowing data comprises borrowing information and an appointment repayment requirement; monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to the bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises a loan identifier; monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to the lender when the deduction record does not meet the appointed deduction requirement; the deduction record is a record obtained by the bank node by obtaining appointed deduction information corresponding to the borrowing identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the borrowing identifier are stored in the block chain in a correlation mode; the prompt message includes information on whether litigation has been initiated for the borrower.
In one embodiment, the computer program causes the processor to further perform the steps of: and when the confirmation information is monitored to be that litigation is determined to be initiated to the borrower, litigation requests are sent to the judicial nodes, and the litigation requests comprise the lending identification and electronic borrowing data, repayment records, deduction records and confirmation information associated with the lending identification.
In one embodiment, the computer program causes the processor, when executing the deduction record obtained by the monitoring bank node based on the deduction request, to specifically execute the following steps: and receiving a first deduction response returned by the bank node, wherein the first deduction response carries a deduction record obtained based on the deduction request and the loan identifier.
In one embodiment, the computer program causes the processor, when executing the deduction record obtained by the monitoring bank node based on the deduction request, to specifically execute the following steps: receiving a second deduction response returned by the bank node, wherein the second deduction response carries a loan identifier; and obtaining a deduction record associated with the loan identifier from the block chain query.
In one embodiment, the agreed repayment requirements include: appointing a repayment deadline and a corresponding appointed repayment amount; the repayment record comprises a repayment amount before the appointed repayment deadline; the computer program causes the processor to further perform the steps of: and when the repayment amount is less than the agreed repayment amount, judging that the repayment record does not meet the agreed repayment requirement.
In one embodiment, the default deduction requirement includes: appointing a deduction period and a corresponding appointed deduction amount; the deduction record comprises the deduction amount of the appointed deduction account before the appointed deduction period; the computer program causes the processor to further perform the steps of: and when the deduction amount is less than the appointed deduction amount, judging that the deduction record does not meet the appointed deduction requirement.
In one embodiment, the contracted debit amount comprises the difference between the repayment amount and the contracted repayment amount.
In one embodiment, the computer program causes the processor to further perform the steps of: and storing the prompt message and the loan identifier in association with each other on the block chain.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A loan information processing method based on a block chain comprises the following steps:
after a borrowing request of a borrower is received and electronic borrowing is generated based on the borrowing request, the electronic borrowing is stored on a block chain, so that the block chain stores the electronic borrowing and lending identification related to the electronic borrowing; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
monitoring a repayment record of the borrower, and storing the repayment record and the loan identifier in a block chain in a correlation manner; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
2. The method of claim 1, further comprising:
monitoring confirmation information returned by the lender according to the prompt information, storing the confirmation information and the lending identification in the block chain in a correlated manner, and sending a litigation request to a judicial node when the confirmation information is monitored to determine that litigation is initiated for the lender, wherein the litigation request comprises the lending identification, and the electronic lending data, the repayment record, the deduction record and the confirmation information which are correlated with the lending identification.
3. The method of claim 1, wherein monitoring a deduction record obtained by the banking node based on the deduction request comprises any one of:
the first item:
receiving a first deduction response returned by the bank node, wherein the first deduction response carries a deduction record obtained based on the deduction request and the loan identifier;
the second term is:
receiving a second deduction response returned by the bank node, wherein the second deduction response carries the loan identifier;
and inquiring the block chain to obtain a deduction record associated with the loan identifier.
4. The method of any one of claims 1 to 3, wherein the agreed payment requirement comprises: appointing a repayment deadline and a corresponding appointed repayment amount; the payment record includes a payment amount prior to the agreed payment due;
and when the repayment amount is less than the agreed repayment amount, judging that the repayment record does not meet the agreed repayment requirement.
5. The method of claim 4, wherein the contracted deduction requirement comprises: appointing a deduction period and a corresponding appointed deduction amount; the deduction record comprises a deduction amount of the appointed deduction account before the appointed deduction period;
and when the deduction amount is less than the appointed deduction amount, judging that the deduction record does not meet the appointed deduction information.
6. The method of claim 5, wherein the contracted debit amount comprises a difference between the repayment amount and the contracted repayment amount.
7. The method of claim 1, further comprising: and storing the prompt information and the loan identifier in association with each other on the block chain.
8. An apparatus for processing blockchain-based loan information, the apparatus comprising:
the borrowing processing module is used for storing the electronic borrowing data to a block chain after receiving a borrowing request of a borrower and generating the electronic borrowing data based on the borrowing request, so that the block chain stores the electronic borrowing data and a lending identifier associated with the electronic borrowing data; the electronic borrowing data comprises borrowing information and an appointment repayment requirement;
the repayment processing module is used for monitoring a repayment record of the borrower and storing the repayment record and the loan identifier in a related manner to the block chain; when the repayment record does not meet the agreed repayment requirement, determining agreed deduction information according to the repayment record and the agreed repayment requirement, storing the agreed deduction information and the loan identifier in the block chain in an associated mode, and sending a deduction request to a bank node; the appointed deduction information comprises appointed deduction account information and appointed deduction requirements of the borrower; the deduction request comprises the loan identifier;
the deduction processing module is used for monitoring a deduction record obtained by the bank node based on the deduction request, and sending prompt information to a lender when the deduction record does not meet the agreed deduction requirement; the deduction record is a record obtained by the bank node obtaining appointed deduction information corresponding to the loan identifier from the block chain and deducting based on the appointed deduction information, and the deduction record and the loan identifier are stored on the block chain in a related mode; the prompt message includes information on whether litigation has been initiated for the borrower.
9. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 7.
10. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910887512.7A CN110634065B (en) | 2019-09-19 | 2019-09-19 | Loan information processing method, device, equipment and storage medium based on blockchain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910887512.7A CN110634065B (en) | 2019-09-19 | 2019-09-19 | Loan information processing method, device, equipment and storage medium based on blockchain |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN110634065A true CN110634065A (en) | 2019-12-31 |
| CN110634065B CN110634065B (en) | 2024-08-27 |
Family
ID=68971853
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201910887512.7A Active CN110634065B (en) | 2019-09-19 | 2019-09-19 | Loan information processing method, device, equipment and storage medium based on blockchain |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN110634065B (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111369164A (en) * | 2020-03-18 | 2020-07-03 | 黑龙江正泽信服务外包有限公司 | Block chain link point system for pushing overdue data of credit card |
| CN112508662A (en) * | 2020-09-23 | 2021-03-16 | 上海维信荟智金融科技有限公司 | On-line automatic monitoring method and system based on bill deduction generation |
| CN112862587A (en) * | 2020-12-31 | 2021-05-28 | 石化盈科信息技术有限责任公司 | Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium |
| CN113112267A (en) * | 2021-03-12 | 2021-07-13 | 支付宝(杭州)信息技术有限公司 | Block chain-based service cost deduction replacing method and device |
| CN113793209A (en) * | 2021-09-01 | 2021-12-14 | 浙江数秦科技有限公司 | Intelligent litigation system based on block chain |
| TWI820596B (en) * | 2022-01-28 | 2023-11-01 | 林楠桂 | Method for depositing certificates of capital lending intelligent program |
Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106682983A (en) * | 2016-12-29 | 2017-05-17 | 深圳市喜悦智慧实验室有限公司 | Loan management system and method base on smart contract |
| CN109064321A (en) * | 2018-10-31 | 2018-12-21 | 曾文华 | A kind of automatic balance system and method |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
-
2019
- 2019-09-19 CN CN201910887512.7A patent/CN110634065B/en active Active
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106682983A (en) * | 2016-12-29 | 2017-05-17 | 深圳市喜悦智慧实验室有限公司 | Loan management system and method base on smart contract |
| CN109509078A (en) * | 2018-09-19 | 2019-03-22 | 平安科技（深圳）有限公司 | Debt-credit operation method, system, server and storage medium based on block chain |
| CN109064321A (en) * | 2018-10-31 | 2018-12-21 | 曾文华 | A kind of automatic balance system and method |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111369164A (en) * | 2020-03-18 | 2020-07-03 | 黑龙江正泽信服务外包有限公司 | Block chain link point system for pushing overdue data of credit card |
| CN112508662A (en) * | 2020-09-23 | 2021-03-16 | 上海维信荟智金融科技有限公司 | On-line automatic monitoring method and system based on bill deduction generation |
| CN112862587A (en) * | 2020-12-31 | 2021-05-28 | 石化盈科信息技术有限责任公司 | Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium |
| CN113112267A (en) * | 2021-03-12 | 2021-07-13 | 支付宝(杭州)信息技术有限公司 | Block chain-based service cost deduction replacing method and device |
| CN113793209A (en) * | 2021-09-01 | 2021-12-14 | 浙江数秦科技有限公司 | Intelligent litigation system based on block chain |
| CN113793209B (en) * | 2021-09-01 | 2024-04-09 | 浙江数秦科技有限公司 | Intelligent litigation system based on blockchain |
| TWI820596B (en) * | 2022-01-28 | 2023-11-01 | 林楠桂 | Method for depositing certificates of capital lending intelligent program |
Also Published As
| Publication number | Publication date |
|---|---|
| CN110634065B (en) | 2024-08-27 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN110634065B (en) | Loan information processing method, device, equipment and storage medium based on blockchain | |
| CN110599213B (en) | Article management method and device based on blockchain network and electronic equipment | |
| WO2020155789A1 (en) | Blockchain-based certificate storage method and apparatus | |
| CN110633963A (en) | Electronic bill processing method, electronic bill processing device, computer-readable storage medium and equipment | |
| CN111080295A (en) | Block chain-based electronic contract processing method and equipment | |
| CN109544335B (en) | Transaction data processing method, device, equipment and storage medium based on blockchain | |
| CN111292174A (en) | Tax payment information processing method and device and computer readable storage medium | |
| CN111402033A (en) | Asset information management method and device based on block chain | |
| CN109360070B (en) | Tourism information processing method, device, equipment and storage medium based on alliance chain | |
| CN112712452B (en) | Approval information processing method and device based on blockchain | |
| CN111222841A (en) | Block chain-based data distribution method and equipment and storage medium thereof | |
| CN111640002A (en) | Block chain-based mortgage loan method and device | |
| CN115701078B (en) | Cross-chain transaction processing method, device, electronic equipment and storage medium | |
| CN111340628A (en) | Asset information management method and device based on block chain | |
| CN110908812A (en) | Business data processing method and device, readable storage medium and computer equipment | |
| CN110597817A (en) | Communication record evidence storing method and device based on block chain and computer equipment | |
| CN113221191B (en) | Block chain-based data evidence storage method, device, equipment and storage medium | |
| CN111461881A (en) | Data management method and device, computer equipment and storage medium | |
| CN110599332B (en) | User intention determining method, device, equipment and storage medium based on block chain | |
| CN111274597B (en) | Data processing method and device | |
| CN110599144A (en) | Network access method and device for block link points | |
| CN111986025A (en) | Loan transaction processing method and system based on block chain | |
| CN111008251A (en) | Data processing method and equipment | |
| CN110674516A (en) | Permission configuration method and device of electronic bill management system and computer equipment | |
| CN112016114B (en) | Intelligent contract generating method based on cryptocurrency, related equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| GR01 | Patent grant | ||
| GR01 | Patent grant | ||
| TG01 | Patent term adjustment | ||
| TG01 | Patent term adjustment |