CN107038642A - Guarantee credit financing package based on block chain - Google Patents
Guarantee credit financing package based on block chain Download PDFInfo
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- CN107038642A CN107038642A CN201710135599.3A CN201710135599A CN107038642A CN 107038642 A CN107038642 A CN 107038642A CN 201710135599 A CN201710135599 A CN 201710135599A CN 107038642 A CN107038642 A CN 107038642A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/06—Asset management; Financial planning or analysis
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Abstract
The invention discloses a kind of guarantee credit financing package based on block chain technology, block chain technology is added on the basis of existing guarantee credit financing package, accrediting amount contract, history creditor-debtor entry, remaining accrediting amount etc. are all recorded on block chain, by block chain technology distributed cryptographic record and can not tamper, real-time synchronization verification participates in the guarantee accrediting amount of each side, efficiency is improved, cost is reduced.
Description
Technical field
The present invention relates to block chain technical field.
Background technology
Current credit financing assurance business is, it is necessary to which credit requirement side, credit financing assurance side, credit requirement side are signed jointly
About, credit financing assurance amount is determined, is performed in business procedure, tripartite needs log history creditor-debtor entry respectively, and remaining
Amount, tripartite's verification is simultaneously inconvenient, and efficiency low cost is high, it is therefore desirable to the new note that can not technically distort approved in many ways
Recording method is come replacement of upgrading.
The content of the invention
In order to overcome the above-mentioned deficiencies of the prior art, melt the invention provides a kind of guarantee credit based on block chain technology
Capital's case, is asked with solving integrality and authenticity present on the information record preservation and renewal work in guarantee credit financing
Topic.
The technical solution adopted in the present invention is：The step in detail below of credit financing is assured,
Step S1, credit requirement side proposes financing limit application, writes block chain；
Step S2, credit financing enterprise will have agreed to the maximum amount assured credit requirement side, write block chain；
Step S3, fund supply side finally determines the credit financing limit of credit requirement side, and issues corresponding credit financing limit
Coin（Referred to herein as finance coin）Pay the maximum amount that credit requirement side finances as credit；
Financing coin is sent to fund supply side public key address by step S4, credit requirement side, and fund supply side is i.e. by digital cash
Or RMB squeezes into credit requirement side's proper account, and the formation record on block chain, credit requirement side's financing coin is finished with regard to nothing
Method obtains more financings；
Step S5, credit requirement side is given back after fund, and fund supply side can beat the financing coin for representing principal components accordingly again
Return credit requirement side.
Fund supply side or credit financing assurance side can arrange under certain condition, to withdraw or reduce fund supply side
Financing coin, is further added by the financing coin of credit requirement side after can also agreeing to via credit financing assurance side and fund supply side.
Only the financing coin that it is associated can be used in enterprise in itself, non-assignable to give other Corporate finances；
Fund supply side can assess the maximum guarantee amount of credit financing assurance side, it is ensured that the financing that Ge Jia funds party in request obtains
The total value of coin is not more than the maximum guarantee amount of credit financing assurance side.
The term of validity of financing coin can be arranged, the automatic continuity term of validity after certain time can also be arranged, unless wherein appointed
One side proposes to terminate credit financing agreement.
Compared with prior art, the financing information the beneficial effects of the invention are as follows all records on block chain, including total
Credit financing limit, current financing information, history creditor-debtor entry, remaining financing limit all complete records are respectively known together in block chain
On server, melting for corresponding financier can be monitored in real time as guarantee credit enterprise, credit requirement side and fund supply side
Data are provided, and ensure the authenticity and integrity of these financing data.
Brief description of the drawings
Fig. 1 is the explanation figure for assuring credit financing package based on block chain.
Embodiment
Embodiment 1, referring to the drawings 1, this example is further illustrated to the guarantee credit financing package based on block chain.
The step of guarantee credit is financed is as follows：
Step S1, credit requirement side proposes financing limit application, writes block chain；
Step S2, credit financing enterprise will have agreed to the maximum amount assured credit requirement side, write block chain；
Step S3, fund supply side finally determines the credit financing limit of credit requirement side, and issues corresponding credit financing limit
Coin（Referred to herein as finance coin）Pay the maximum amount that credit requirement side finances as credit；
Financing coin is sent to fund supply side public key address by step S4, credit requirement side, and fund supply side is i.e. by digital cash
Or RMB squeezes into credit requirement side's proper account, and the formation record on block chain, credit requirement side's financing coin is finished with regard to nothing
Method obtains more financings；
Step S5, credit requirement side is given back after fund, and fund supply side can beat the financing coin for representing principal components accordingly again
Return credit requirement side.
Fund supply side or credit financing assurance side can arrange under certain condition, to withdraw or reduce fund supply side
Financing coin, is further added by the financing coin of credit requirement side after can also agreeing to via credit financing assurance side and fund supply side.
Only the financing coin that it is associated can be used in enterprise in itself, non-assignable to give other Corporate finances；
Fund supply side can assess the maximum guarantee amount of credit financing assurance side, it is ensured that the financing that Ge Jia funds party in request obtains
The total value of coin is not more than the maximum guarantee amount of credit financing assurance side.
The term of validity of financing coin can be arranged, the automatic continuity term of validity after certain time can also be arranged, unless wherein appointed
One side proposes to terminate credit financing agreement.
All record is on block chain by accrediting amount contract, history creditor-debtor entry, remaining accrediting amount etc. by the present invention, by area
The distributed cryptographic of block chain technology records and can not tamper, the guarantee accrediting amount of real-time synchronization verification participation each side, raising
Credit efficiency is assured, cost is reduced.
Claims (5)
1. the guarantee credit financing package based on block chain, it is characterised in that the step of guarantee credit is financed is as follows：
Step S1, credit requirement side proposes financing limit application, writes block chain；
Step S2, credit financing enterprise will have agreed to the maximum amount assured credit requirement side, write block chain；
Step S3, fund supply side finally determines the credit financing limit of credit requirement side, and issues corresponding credit financing limit
Coin（Referred to herein as finance coin）Pay the maximum amount that credit requirement side finances as credit；
Financing coin is sent to fund supply side public key address by step S4, credit requirement side, and fund supply side is i.e. by digital cash
Or RMB squeezes into credit requirement side's proper account, and the formation record on block chain, credit requirement side's financing coin is finished with regard to nothing
Method obtains more financings；
Step S5, credit requirement side is given back after fund, and fund supply side can beat the financing coin for representing principal components accordingly again
Return credit requirement side.
2. the guarantee credit financing package according to claim 1 based on block chain, it is characterised in that fund supply side or
Credit financing assurance side can arrange to withdraw or reduce under certain condition the financing coin of fund supply side, can also be via awarding
Letter financing assurance side and fund supply side are further added by the financing coin of credit requirement side after agreeing to.
3. the guarantee credit financing package according to claim 1 based on block chain, it is characterised in that only enterprise in itself may be used
It is non-assignable to give other Corporate finances using the financing coin that it is associated.
4. the guarantee credit financing package according to claim 1 based on block chain, it is characterised in that fund supply side's meeting
Assess the maximum guarantee amount of credit financing assurance side, it is ensured that the total value for the financing coin that Ge Jia funds party in request obtains, which is not more than, awards
Believe the maximum guarantee amount of financing assurance side.
5. the guarantee credit financing package according to claim 1 based on block chain, it is characterised in that financing can be arranged
The term of validity of coin, can also arrange the automatic continuity term of validity after certain time, unless any of which side proposes to terminate credit financing
Contract.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710135599.3A CN107038642A (en) | 2017-03-09 | 2017-03-09 | Guarantee credit financing package based on block chain |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710135599.3A CN107038642A (en) | 2017-03-09 | 2017-03-09 | Guarantee credit financing package based on block chain |
Publications (1)
| Publication Number | Publication Date |
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| CN107038642A true CN107038642A (en) | 2017-08-11 |
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| CN201710135599.3A Pending CN107038642A (en) | 2017-03-09 | 2017-03-09 | Guarantee credit financing package based on block chain |
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Cited By (17)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107944887A (en) * | 2017-12-14 | 2018-04-20 | 法信公证云（厦门）科技有限公司 | A kind of personalized lending Risk Pre-control method based on block chain |
| CN108416668A (en) * | 2018-03-07 | 2018-08-17 | 物数（上海）信息科技有限公司 | Trade tracking and financing by accounts receivable method, system, equipment and storage medium |
| CN108734575A (en) * | 2018-04-03 | 2018-11-02 | 平安科技（深圳）有限公司 | Financing method, system based on block chain and storage medium |
| CN108932635A (en) * | 2018-06-27 | 2018-12-04 | 中国银行股份有限公司 | A kind of integration managing method and system based on block chain |
| CN109035000A (en) * | 2018-06-15 | 2018-12-18 | 杭州复杂美科技有限公司 | A kind of loan secured method and system, equipment and storage medium based on block chain |
| WO2019019070A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Guarantee credit financing solution based on block chain |
| CN109493209A (en) * | 2018-09-26 | 2019-03-19 | 深圳壹账通智能科技有限公司 | Block chain fund application method, device, system, equipment and readable storage medium storing program for executing |
| 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 |
| CN109784924A (en) * | 2019-01-11 | 2019-05-21 | 中信梧桐港供应链管理有限公司 | Warehouse receipt authentication method and device based on block chain framework |
| CN109801157A (en) * | 2018-12-27 | 2019-05-24 | 大象慧云信息技术有限公司 | It is a kind of based on data sharing supply chain finance accept and believe authentication method and system |
| CN110135966A (en) * | 2018-02-09 | 2019-08-16 | 玉山商业银行股份有限公司 | Accrediting amount management method and system |
| TWI685808B (en) * | 2018-01-17 | 2020-02-21 | 玉山商業銀行股份有限公司 | Management method and system for credit line |
| US20220114663A1 (en) * | 2017-05-10 | 2022-04-14 | State Farm Mutual Automobile Insurance Company | Approving and updating dynamic mortgage applications |
| US11429999B2 (en) | 2018-10-31 | 2022-08-30 | Buy It Mobility Networks Inc. | Computer system for providing payments, incentives, and fraud protection within or across industries |
| US11966992B1 (en) | 2017-05-10 | 2024-04-23 | State Farm Mutual Automobile Insurance Company | Identifying multiple mortgage ready properties |
| US11995717B1 (en) | 2017-05-10 | 2024-05-28 | State Farm Mutual Automobile Insurance Company | Approving and updating dynamic mortgage applications |
| US12014415B2 (en) | 2017-05-10 | 2024-06-18 | State Farm Mutual Automobile Insurance Company | Continuously updating mortgage ready data |
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Cited By (22)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US12014415B2 (en) | 2017-05-10 | 2024-06-18 | State Farm Mutual Automobile Insurance Company | Continuously updating mortgage ready data |
| US12002090B2 (en) * | 2017-05-10 | 2024-06-04 | State Farm Mutual Automobile Insurance Company | Approving and updating dynamic mortgage applications |
| US11995717B1 (en) | 2017-05-10 | 2024-05-28 | State Farm Mutual Automobile Insurance Company | Approving and updating dynamic mortgage applications |
| US11966992B1 (en) | 2017-05-10 | 2024-04-23 | State Farm Mutual Automobile Insurance Company | Identifying multiple mortgage ready properties |
| US20220114663A1 (en) * | 2017-05-10 | 2022-04-14 | State Farm Mutual Automobile Insurance Company | Approving and updating dynamic mortgage applications |
| WO2019019070A1 (en) * | 2017-07-27 | 2019-01-31 | 杭州复杂美科技有限公司 | Guarantee credit financing solution based on block chain |
| CN107944887A (en) * | 2017-12-14 | 2018-04-20 | 法信公证云（厦门）科技有限公司 | A kind of personalized lending Risk Pre-control method based on block chain |
| TWI685808B (en) * | 2018-01-17 | 2020-02-21 | 玉山商業銀行股份有限公司 | Management method and system for credit line |
| CN110135966A (en) * | 2018-02-09 | 2019-08-16 | 玉山商业银行股份有限公司 | Accrediting amount management method and system |
| CN110135966B (en) * | 2018-02-09 | 2021-06-25 | 玉山商业银行股份有限公司 | Credit limit management method and system |
| CN108416668A (en) * | 2018-03-07 | 2018-08-17 | 物数（上海）信息科技有限公司 | Trade tracking and financing by accounts receivable method, system, equipment and storage medium |
| CN108734575A (en) * | 2018-04-03 | 2018-11-02 | 平安科技（深圳）有限公司 | Financing method, system based on block chain and storage medium |
| CN109035000A (en) * | 2018-06-15 | 2018-12-18 | 杭州复杂美科技有限公司 | A kind of loan secured method and system, equipment and storage medium based on block chain |
| CN108932635A (en) * | 2018-06-27 | 2018-12-04 | 中国银行股份有限公司 | A kind of integration managing method and system based on block chain |
| CN109509078B (en) * | 2018-09-19 | 2023-04-18 | 平安科技（深圳）有限公司 | Block chain-based loan operation method, system, server and storage medium |
| 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 |
| WO2020062637A1 (en) * | 2018-09-26 | 2020-04-02 | 深圳壹账通智能科技有限公司 | Blockchain fund application method, apparatus, system and device, and readable storage medium |
| CN109493209A (en) * | 2018-09-26 | 2019-03-19 | 深圳壹账通智能科技有限公司 | Block chain fund application method, device, system, equipment and readable storage medium storing program for executing |
| US11429999B2 (en) | 2018-10-31 | 2022-08-30 | Buy It Mobility Networks Inc. | Computer system for providing payments, incentives, and fraud protection within or across industries |
| US12002067B2 (en) | 2018-10-31 | 2024-06-04 | Buy It Mobility Networks Inc. | Computer system for providing payments, incentives, and fraud protection within or across industries |
| CN109801157A (en) * | 2018-12-27 | 2019-05-24 | 大象慧云信息技术有限公司 | It is a kind of based on data sharing supply chain finance accept and believe authentication method and system |
| CN109784924A (en) * | 2019-01-11 | 2019-05-21 | 中信梧桐港供应链管理有限公司 | Warehouse receipt authentication method and device based on block chain framework |
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| SE01 | Entry into force of request for substantive examination | ||
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| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20170811 |
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| RJ01 | Rejection of invention patent application after publication |