TWI664596B - Intermediary system for lending consumption based on blockchain and method thereof - Google Patents
Intermediary system for lending consumption based on blockchain and method thereof Download PDFInfo
- Publication number
- TWI664596B TWI664596B TW107112807A TW107112807A TWI664596B TW I664596 B TWI664596 B TW I664596B TW 107112807 A TW107112807 A TW 107112807A TW 107112807 A TW107112807 A TW 107112807A TW I664596 B TWI664596 B TW I664596B
- Authority
- TW
- Taiwan
- Prior art keywords
- host
- intermediary
- loan
- wallet address
- blockchain
- Prior art date
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
一種基於區塊鏈的借貸消費中介系統及其方法，透過中介端主機建立區塊鏈網路，並且產生中介端主機、放貸端主機、申貸端主機及商家端主機的錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端主機的錢包地址，用以在借貸及支付時，由中介端主機確認存入放貸現金及支付訂單金額的金流後，執行區塊鏈交易以根據金流在中介端主機、放貸端主機、申貸端主機及商家端主機的錢包地址之間轉送虛擬貨幣形成交易資訊流，提供追朔及雙重驗證交易，用以達成提高借貸消費的安全性及可靠性之技術功效。 A blockchain-based loan consumption intermediary system and method for establishing a blockchain network through an intermediary host, and generating wallet addresses of the intermediary host, a lender host, a loan application host, and a merchant host, and directly transferring The default virtual currency in the blockchain network is deposited into the wallet address of the intermediary host, which is used by the intermediary host to confirm the deposit of lending cash and the payment of the order's gold flow when borrowing and paying, and then execute the blockchain The transaction is based on the flow of money to transfer virtual currency between the wallet host of the intermediary host, the lender host, the loan application host and the merchant host to form a transaction information flow, providing traceability and double verification transactions to achieve increased borrowing consumption. Technical efficacy of safety and reliability.
Description
本發明涉及一種中介系統及其方法，特別是基於區塊鏈的借貸消費中介系統及其方法。 The invention relates to an intermediary system and a method thereof, particularly an intermediary system and a method for loan consumption based on a blockchain.
隨著金融科技(Financial technology,Fintech)的熱潮席捲全世界，各種結合資通訊服務而衍生的新金融服務或商品不斷創新產生，其最主要的目的在透過資通訊科技技術結合創新的想法翻轉舊產業的服務，以提升效率。目前，以金融科技為主的應用不斷的延伸到生活中各層面，無論是在借貸、支付或投資等。 With the upsurge of financial technology (Fintech) sweeping the world, a variety of new financial services or commodities derived from the combination of information and communication services are constantly innovating. The main purpose is to turn the old through the idea of combining information and communication technology and innovation. Industry services to improve efficiency. At present, fintech-based applications continue to extend to all levels of life, whether it is borrowing, paying or investing.
一般而言，傳統的借貸市場由於限制較多且借款資格、利息或週轉期間都須嚴格審查的緣故，因此，近年興起了一種新型態的借貸方式，即：P2P網路借貸(Peer-to-peer lending,P2P lending)，其透過網際網路平台進行媒合，對於個人、微小企業可以提供快速放款。 Generally speaking, the traditional lending market is subject to strict restrictions and strict eligibility for borrowing qualifications, interest, or turnover periods. Therefore, in recent years, a new type of lending has emerged, that is, peer-to-peer online lending (Peer-to -peer lending, P2P lending), which matches through the Internet platform, and can provide rapid lending for individuals and small businesses.
時至今日，借貸種類已不侷限於單純的金錢或物品，例如：已擴大至個人信用與資產的預先借貸，而借貸模式也由先前的金融機構對企業或個人轉變至個人對個人。P2P網路借貸是一種利用平台媒合有金融需求的申貸方(或 稱為借貸方)與放貸方(或稱為投資方)，提供即時、透明公開的服務使資金達到有效的利用。在風險承擔上，放貸方透過多人來共同分擔借款金額，方可共同承擔與分散風險；申貸方則可就其能負擔的利率進行貸款來源的篩選，減少無法負擔高利率狀況的風險發生。另外，因平台建置與營運成本較傳統的金融機構低，申貸方與放貸方可獲得較好的借款與投資利率。平台除進行申貸方與放貸方的媒合更可透過大數據的建立，為往來的客戶做進一步的信用評等與分級。 Today, the type of borrowing is not limited to pure money or goods, for example: it has been extended to personal credit and asset pre-lending, and the borrowing model has also changed from the previous financial institution to business or individual to individual to individual. P2P online lending is a type of loan application (or They are called lenders) and lenders (or investors), providing instant, transparent and open services to make effective use of funds. In terms of risk taking, lenders share the amount of borrowing through multiple people to share and diversify risks; lenders can screen loan sources for their affordable interest rates to reduce the risk of unaffordable high interest rates. In addition, because the platform construction and operating costs are lower than traditional financial institutions, lenders and lenders can obtain better borrowing and investment rates. In addition to the matchmaking between lenders and lenders, the platform can also conduct further credit rating and grading for customers through the establishment of big data.
然而，由於P2P網路借貸是個體對個體的直接借貸行為，只有借貸雙方會牽涉到金流，而提供媒合的網路平台僅提供媒合服務，所以在交易的安全性、可靠性及不可否認性上皆不足以使人放心，故存在借貸消費的安全性及可靠性不佳等問題。 However, because P2P online lending is an individual-to-individual direct lending behavior, only the lender and the lender will be involved in the flow of gold, and the online platform that provides the media only provides the media services, so the security, reliability and Negativeness is not enough to reassure people, so there are problems such as poor security and reliability of loan consumption.
先前技術應用於P2P網路借貸消費中缺乏第三方的驗證及金流與金融資訊流無法相互勾稽控管所造成借貸消費安全性及可靠性不佳之問題，實有必要提出改進的技術手段，來解決此問題。本專利主要係一種基於區塊鏈的借貸消費中介系統及其方法，整合P2P網路借貸與第三方支付形成借、貸、消費與中介的四方架構，利用區塊鏈之虛擬貨幣技術與交易間虛擬貨幣的移轉，同時完成網路上商品交易、支付、借貸及分散式記帳的金融資訊流控管；金流的控管則透過金融機構完成，因金流與金融資訊流分開控管達到借貸消費交易雙重驗證，以確保消費借貸交易的安全性、可驗證性、可追溯性以及交易資料分散保存的特性。 The previous technology applied to P2P online lending consumption lacks third-party verification and the problems of poor security and reliability of lending consumption caused by the lack of mutual control between gold flow and financial information flow, it is necessary to propose improved technical means to Solve this problem. This patent is mainly a blockchain-based loan and consumption intermediary system and method. It integrates P2P online lending and third-party payments to form a four-party structure of borrowing, lending, consumption and intermediation, and uses the blockchain's virtual currency technology and transaction space. The transfer of virtual currency and the financial information flow control of commodity transactions, payments, loans and decentralized bookkeeping on the Internet are completed at the same time; the financial flow control is completed through financial institutions, because the financial flow and the financial information flow are controlled separately to reach the loan Consumption transactions are double-checked to ensure the security, verifiability, traceability and decentralized storage of transaction data for consumer loan transactions.
本發明揭露一種基於區塊鏈的借貸消費中介系統及其方法。 The invention discloses a loan consumption intermediary system and method based on the blockchain.
首先，本發明揭露一種基於區塊鏈的借貸消費中介系統，此系統包含：申貸端主機、放貸端主機、中介端主機及商家端主機共四方。其中，申貸端主機用以傳送申貸請求；放貸端主機用以傳送放貸請求；中介端主機用以媒合申貸端主機與放貸端主機的請求；商家端主機用以提供販售的商品或服務之販售訊息。 First, the present invention discloses a block chain-based loan consumption intermediary system. The system includes a loan application host, a lender host, an intermediary host, and a merchant host. Among them, the loan application host is used to transmit the loan application request; the loan application host is used to transmit the loan request; the intermediary host application is used to match the request of the loan application host and the loan application host; the merchant host is used to provide the goods for sale Or service sales information.
在中介端主機的部分，其包含：初始模組、註冊模組、借貸模組及授權支付模組。 The part of the intermediary host includes: an initial module, a registered module, a loan module, and an authorized payment module.
初始模組用以建立區塊鏈網路，並且產生中介端錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端錢包地址。 The initial module is used to establish a blockchain network, and generate an intermediary wallet address, and directly store the default virtual currency in the blockchain network into the intermediary wallet address.
註冊模組用以允許放貸端主機、申貸端主機及商家端主機在中介端主機註冊，並且在註冊成功時，分別產生對應放貸端主機的放貸端錢包地址、對應申貸端主機的申貸端錢包地址及對應商家端主機的商家端錢包地址。 The registration module is used to allow the lending host, the loan application host, and the merchant host to register with the intermediary host. When the registration is successful, the lending client wallet address corresponding to the lending host and the loan application host corresponding to the lending host are generated. The wallet address and the merchant wallet address corresponding to the merchant host.
借貸模組用以接收申貸及放貸請求以進行媒合，並於成功媒合後產生借貸交易確認訊息，當借貸模組偵測到對應借貸交易的金流，確認訊息的放貸現金匯入到中介端主機的指定銀行帳戶時，由中介端主機執行區塊鏈的虛擬貨幣交易，達到金融資訊流的控管。首先，中介端主機自中介端錢包地址將等同放貸現金的虛擬貨幣轉送至放貸端錢包地址，再由中介端主機自放貸端錢包地址將虛擬貨幣轉送至申貸端錢包地址。 The lending module is used to receive loan application and lending requests for matchmaking, and generate a confirmation message for the loan transaction after successful matching. When the lending module detects the gold flow of the corresponding lending transaction, the lending cash of the confirmation message is transferred to When the intermediary host designates a bank account, the intermediary host performs the virtual currency transaction of the blockchain to control the financial information flow. First, the intermediary host transfers the virtual currency equivalent to the lending cash from the intermediary wallet address to the lender's wallet address, and then the intermediary host transfers the virtual currency from the lending wallet address to the loan application's wallet address.
授權支付模組用以當申貸端主機根據商家端主機的販售訊息生成包含訂單金額的訂單，並於完成訂購後，授權支付模組執行區塊鏈交易，自申貸端錢包地址將等同訂單金額的虛擬貨幣轉送至商家端錢包地址；在商家端主機完成商品或服務的交付後，授權支付模組授權中介端主機的指定銀行帳戶轉帳等同 訂單金額的現金至商家端主機的指定銀行帳戶；上述動作完成後，中介端主機再次執行區塊鏈交易，將商家端錢包地址中等同訂單金額的虛擬貨幣轉送至中介端錢包地址。 The authorized payment module is used to generate an order containing the order amount based on the sales information from the merchant host, and after completing the order, authorize the payment module to perform blockchain transactions. The virtual currency of the order amount is transferred to the merchant's wallet address; after the merchant host completes the delivery of goods or services, the authorized payment module authorizes the designated bank account of the intermediary host to transfer the equivalent The cash of the order amount is sent to the designated bank account of the merchant's host; after the above actions are completed, the intermediary host executes the blockchain transaction again and transfers the virtual currency equivalent to the order amount in the merchant's wallet address to the intermediary wallet address.
另外，本發明揭露一種基於區塊鏈的借貸消費中介方法，應用在具有放貸端主機、申貸端主機、商家端主機及中介端主機的環境中，其步驟包括：中介端主機於初始時，建立區塊鏈網路，並且產生中介端錢包地址，以及直接將區塊鏈網路中預設數量的虛擬貨幣存入中介端錢包地址；當放貸端主機、申貸端主機及商家端主機在中介端主機成功註冊時，中介端主機分別產生對應放貸端主機的放貸端錢包地址、對應申貸端主機的申貸端錢包地址及對應商家端主機的商家端錢包地址；當放貸端主機傳送放貸請求至中介端主機，以及申貸端主機傳送申貸請求至中介端主機時，中介端主機根據接收到的放貸請求及申貸請求進行媒合，並且於成功媒合後產生借貸交易確認訊息；當中介端主機偵測到對應借貸交易確認訊息的放貸現金匯入到中介端主機的銀行帳戶時，中介端主機執行區塊鏈交易，先自中介端錢包地址將等同放貸現金的虛擬貨幣轉送至放貸端錢包地址，再由放貸端錢包地址轉送至申貸端錢包地址；當申貸端主機根據商家端主機的販售訊息生成包含訂單金額的訂單後，中介端主機執行區塊鏈交易，自申貸端錢包地址將等同訂單金額的虛擬貨幣轉送至商家端錢包地址，在商家端主機完成商品或服務的交付後，中介端主機授權自中介端主機的銀行帳戶轉帳等同訂單金額的現金至商家端主機的銀行帳戶；當等同訂單金額的現金成功轉帳至商家端主機的銀行帳戶後，中介端主機執行區塊鏈交易，自商家端錢包地址將等同訂單金額的虛擬貨幣轉送至中介端錢包地址。 In addition, the present invention discloses a blockchain-based loan consumption intermediary method, which is applied in an environment with a lender host, a loan application host, a merchant host, and an intermediary host. The steps include: when the intermediary host is initially, Establish a blockchain network, generate an intermediary wallet address, and directly deposit a preset amount of virtual currency in the blockchain network into the intermediary wallet address; when the lender host, application host, and merchant host When the intermediary host successfully registers, the intermediary host generates the lending wallet address corresponding to the lending host, the lending wallet address corresponding to the lending host, and the merchant wallet address corresponding to the merchant host; when the lending host transmits the loan, When the request is made to the intermediary host, and the loan application host sends a loan application request to the intermediary host, the intermediary host will match according to the received loan request and loan application, and generate a loan transaction confirmation message after successful match; When the intermediary host detects that the lending cash corresponding to the confirmation message of the loan transaction is transferred to the bank account of the intermediary host The intermediary host executes the blockchain transaction. First, the virtual currency equivalent to the lending cash is transferred from the intermediary wallet address to the lender's wallet address, and then the lender's wallet address is transferred to the application's wallet address. After the sales information of the end host generates an order containing the order amount, the intermediary end host performs a blockchain transaction, and the virtual currency equivalent to the order amount is transferred from the wallet address on the application side to the merchant's wallet address. After the service is delivered, the intermediary host authorizes the transfer of cash equivalent to the order amount from the bank account of the intermediary host to the bank account of the merchant host; when the cash equivalent to the order amount is successfully transferred to the bank account of the merchant host, the intermediary host Perform a blockchain transaction, and transfer the virtual currency equivalent to the order amount from the merchant's wallet address to the intermediary wallet address.
本發明所揭露之系統與方法如上，與先前技術的差異在於本發明是整合P2P網路借貸與第三方支付形成借、貸、消費與中介的四方架構，利用區塊鏈之虛擬貨幣技術與交易間虛擬貨幣的移轉，同時完成網路上商品交易、支付、借貸及分散式記帳的金融資訊流控管；金流的控管則透過金融機構完成。系統初始時透過中介端主機建立區塊鏈網路，將區塊鏈網路中預設數量的虛擬貨幣存入中介端主機的錢包地址，並且產生申貸端主機、放貸端主機、中介端主機及商家端主機四方的錢包地址，用以在借、貸及支付時，中介端主機確認存入放貸現金及支付訂單金額的金流後，由中介端主機執行區塊鏈虛擬貨幣交易，根據虛擬貨幣在中介端主機、放貸端主機、申貸端主機及商家端主機的錢包地址之間轉送形成交易資訊流，提供追朔及雙重驗證交易。 The system and method disclosed in the present invention are as described above. The difference from the previous technology is that the present invention integrates P2P network lending and third-party payment to form a four-party structure of borrowing, lending, consumption and intermediation, and uses the blockchain's virtual currency technology and transactions. The transfer of virtual currencies and the financial information flow control of commodity transactions, payments, loans, and decentralized bookkeeping on the Internet; financial flow control is completed through financial institutions. The system initially establishes a blockchain network through an intermediary host, stores a preset amount of virtual currency in the blockchain network into the wallet address of the intermediary host, and generates a loan application host, a lender host, and an intermediary host The wallet address of the Quartet and the host of the merchant side are used to confirm the deposit of cash and the cash flow of the order amount when the intermediary host confirms the cash flow of the loan and payment of the order amount, and then the intermediary host performs the blockchain virtual currency transaction. The currency is transferred between the wallet host of the intermediary host, the lender host, the loan application host, and the merchant host to form a transaction information flow, providing traceability and two-factor verification transactions.
透過上述的技術手段，本發明可以達成提高借貸消費的安全性及可靠性之技術功效。 Through the above technical means, the present invention can achieve the technical effect of improving the safety and reliability of loan consumption.
110‧‧‧放貸端主機 110‧‧‧Lending host
120‧‧‧申貸端主機 120‧‧‧Lending host
130‧‧‧商家端主機 130‧‧‧Merchant host
140‧‧‧中介端主機 140‧‧‧Intermediary Host
141‧‧‧初始模組 141‧‧‧Initial Module
142‧‧‧註冊模組 142‧‧‧Registered Module
143‧‧‧借貸模組 143‧‧‧Loan module
144‧‧‧授權支付模組 144‧‧‧Authorized payment module
145‧‧‧還款模組 145‧‧‧ Repayment module
300‧‧‧申貸界面 300‧‧‧ loan application interface
310‧‧‧資金用途區塊 310‧‧‧ Fund Use Block
320‧‧‧申貸金額區塊 320‧‧‧ Amount of loan application
330‧‧‧申貸期間區塊 330‧‧‧Blocks during loan application
340‧‧‧適用利率 340‧‧‧Applicable interest rate
350‧‧‧申請按鍵 350‧‧‧ Apply button
400‧‧‧放貸界面 400‧‧‧ Lending interface
410‧‧‧下拉式選單 410‧‧‧drop-down menu
420‧‧‧顯示區塊 420‧‧‧Display block
421‧‧‧申貸請求 421‧‧‧loan application
430‧‧‧放貸按鍵 430‧‧‧ Lending Button
450‧‧‧申貸方資訊界面 450‧‧‧Applicant lender information interface
451‧‧‧回上一頁按鍵 451‧‧‧Back to previous page
460‧‧‧放貸確認界面 460‧‧‧Lending confirmation interface
461‧‧‧顯示區塊 461‧‧‧Display block
462‧‧‧確認放貸按鍵 462‧‧‧Confirm loan button
470‧‧‧放貸完成界面 470‧‧‧ Completed loan interface
471‧‧‧回主選單按鍵 471‧‧‧Back to main menu button
480‧‧‧放貸紀錄界面 480‧‧‧ Lending Record Interface
481‧‧‧借款人資訊按鍵 481‧‧‧ Borrower Information Button
482‧‧‧還款紀錄按鍵 482‧‧‧Repayment record button
500‧‧‧消費支付界面 500‧‧‧Consumer payment interface
510‧‧‧付款對象區塊 510‧‧‧Payment Object Block
520‧‧‧付款金額區塊 520‧‧‧Payment amount block
530‧‧‧密碼區塊 530‧‧‧Password Block
540‧‧‧付款按鍵 540‧‧‧Payment Button
550‧‧‧支付完成界面 550‧‧‧ payment completion interface
560‧‧‧回主選單按鍵 560‧‧‧Back to main menu button
600‧‧‧還款界面 600‧‧‧ Repayment interface
610‧‧‧還款對象區塊 610‧‧‧Repayment target block
620‧‧‧還款金額區塊 620‧‧‧Repayment amount block
630‧‧‧密碼區塊 630‧‧‧password block
640‧‧‧還款按鍵 640‧‧‧ repayment button
650‧‧‧還款完成界面 650‧‧‧ Repayment completion interface
660‧‧‧回主選單按鍵 660‧‧‧Back to main menu button
700‧‧‧通知界面 700‧‧‧ notification interface
710‧‧‧確認按鍵 710‧‧‧Confirm button
720‧‧‧異議按鍵 720‧‧‧Disagree button
730‧‧‧修改按鍵 730‧‧‧Modify button
步驟210‧‧‧中介端主機於初始時，建立一區塊鏈網路，並且產生一中介端錢包地址，以及直接將該區塊鏈網路中預設數量的虛擬貨幣存入該中介端錢包地址 Step 210‧‧‧ The intermediary host initially establishes a blockchain network, generates an intermediary wallet address, and directly deposits a preset amount of virtual currency in the blockchain network into the intermediary wallet. address
步驟220‧‧‧當放貸端主機、申貸端主機及商家端主機在該中介端主機成功註冊時，該中介端主機分別產生對應所述放貸端主機的一放貸端錢包地址、對應所述申貸端主機的一申貸端錢包地址及對應所述商家端主機的一商家端錢包地址 Step 220‧‧‧When the lending host, the applying host and the merchant host successfully register with the intermediary host, the intermediary host respectively generates a lending terminal wallet address corresponding to the lending host, and corresponding to the application. An application-side wallet address of the lender-side host and a merchant-side wallet address corresponding to the merchant-side host
步驟230‧‧‧當所述放貸端主機傳送至少一放貸請求至該中介端主機，以及所述申貸端主機傳送至少一申貸請求至該中介端主機時，該中介端主機根據接收到的所述放貸請求及所述申貸請求進行媒合，並且於成功媒合後產生一借貸交易確認訊息 Step 230‧‧‧ When the lender host sends at least one loan request to the intermediary host, and the loan application host sends at least one loan request to the intermediary host, the intermediary host according to the received Matching the loan request and the loan application request, and generating a loan transaction confirmation message after successful matchmaking
步驟240‧‧‧當該中介端主機偵測到對應該借貸交易確認訊息的一放貸現金匯入到該中介端主機的指定銀行帳戶時，該中介端主機執行區塊鏈交易，先自該中介端錢包地址將等同該放貸現金的虛擬貨幣轉送至所述放貸端錢包地址，再由所述放貸端錢包地址轉送至所述申貸端錢包地址 Step 240‧‧‧ When the intermediary host detects that a lending cash corresponding to the loan transaction confirmation message is remitted to a designated bank account of the intermediary host, the intermediary host executes a blockchain transaction, and then first proceeds from the intermediary The wallet address transfers the virtual currency equivalent to the lending cash to the lending wallet address, and then transfers the lending wallet address to the loan application wallet address
步驟250‧‧‧當所述申貸端主機根據所述商家端主機的至少一販售訊息生成包含一訂單金額的訂單，並於訂購完成後，該中介端主機執行區塊鏈交易，自所述申貸端錢包地址將等同該訂單金額的虛擬貨幣轉送至所述商家端錢包地址，在所述商家端主機完成商品或服務 的交付後，該中介端主機授權自該中介端主機的指定銀行帳戶轉帳等同該訂單金額的現金至所述商家端主機的指定銀行帳戶 Step 250‧‧‧ When the loan application host generates an order containing an order amount based on at least one sales message of the merchant host, and after the order is completed, the intermediary host executes a blockchain transaction from The said application-end wallet address transfers the virtual currency equivalent to the order amount to the merchant-side wallet address, and completes the goods or services on the merchant-side host After the delivery, the intermediary host authorizes the transfer of cash equivalent to the order amount from the designated bank account of the intermediary host to the designated bank account of the merchant host
步驟260‧‧‧當等同該訂單金額的現金成功轉帳至所述商家端主機的指定銀行帳戶後，該中介端主機執行區塊鏈交易，自所述商家端錢包地址將等同該訂單金額的虛擬貨幣轉送至該中介端錢包地址 Step 260‧‧‧ After the cash equivalent to the order amount is successfully transferred to the designated bank account of the merchant's host, the intermediary host executes a blockchain transaction, and the virtual address of the merchant's wallet will be equivalent to the virtual amount of the order. Currency transfer to the intermediary wallet address
步驟270‧‧‧當所述申貸端主機根據該借貸交易確認訊息傳送包含一還款金額的一還款請求至該中介端主機時，該中介端主機偵測該中介端主機的指定銀行帳戶，當確認該還款金額匯入該中介端主機的指定銀行帳戶時，執行區塊鏈交易，自該中介端錢包地址將等同該還款金額的虛擬貨幣轉送至所述申貸端錢包地址 Step 270‧‧‧ When the applying and lending host sends a repayment request including a repayment amount to the intermediary host according to the loan transaction confirmation message, the intermediary host detects the designated bank account of the intermediary host When confirming that the repayment amount is remitted to the designated bank account of the intermediary host, a blockchain transaction is performed, and the virtual currency equivalent to the repayment amount is transferred from the intermediary wallet address to the loan application wallet address
步驟280‧‧‧該中介端主機自該中介端主機的指定銀行帳戶轉帳等同該還款金額的現金至所述放貸端主機的指定銀行帳戶，以及該中介端主機執行區塊鏈交易，先自所述申貸端錢包地址將等同該還款金額的虛擬貨幣轉送至所述放貸端錢包地址，再自所述放貸端錢包地址轉送至該中介端錢包地址 Step 280‧‧‧ The intermediary host transfers cash equivalent to the repayment amount from the designated bank account of the intermediary host to the designated bank account of the lender end host, and the intermediary host performs a blockchain transaction, first from The loan application wallet address transfers the virtual currency equal to the repayment amount to the loan application wallet address, and then transfers from the loan application wallet address to the intermediary wallet address.
第1圖為本發明基於區塊鏈的借貸消費中介系統之系統方塊圖。 FIG. 1 is a system block diagram of a blockchain-based loan consumption intermediary system according to the present invention.
第2A圖及第2B圖為本發明基於區塊鏈的借貸消費中介方法之方法流程圖。 FIG. 2A and FIG. 2B are flowcharts of a method for intermediary method of loan consumption based on blockchain according to the present invention.
第3圖為應用本發明進行申貸之示意圖。 FIG. 3 is a schematic diagram of applying for a loan by applying the present invention.
第4A圖至第4E圖為應用本發明進行放貸選擇之示意圖。 FIG. 4A to FIG. 4E are schematic diagrams of loan selection using the present invention.
第5A圖及第5B圖為應用本發明進行消費支付之示意圖。 FIG. 5A and FIG. 5B are schematic diagrams of consumer payment using the present invention.
第6A圖及第6B圖為應用本發明進行還款之示意圖。 FIG. 6A and FIG. 6B are schematic diagrams of applying the present invention for repayment.
第7圖為應用本發明進行消費支付之示意圖。 FIG. 7 is a schematic diagram of consumer payment using the present invention.
以下將配合圖式及實施例來詳細說明本發明之實施方式，藉此對本發明如何應用技術手段來解決技術問題並達成技術功效的實現過程能充分理解並據以實施。 In the following, the embodiments of the present invention will be described in detail with reference to the drawings and examples, so as to fully understand and implement the implementation process of how the present invention applies technical means to solve technical problems and achieve technical effects.
在說明本發明所揭露之基於區塊鏈的借貸消費中介系統及其方法之前，先對本發明所應用的環境作說明。本發明係應用在具有放貸端主機、申貸端主機、商家端主機及中介端主機的環境中，所述放貸端主機、申貸端主機、商家端主機及中介端主機皆為計算機裝置，如：個人電腦、伺服器等。其中，中介端主機為區塊鏈網路的其中一個節點，並且具有區塊鏈，以及能夠執行區塊鏈交易。在實際實施上，執行區塊鏈交易係透過區塊鏈應用程序介面(Blockchain API)，其可在區塊鏈網路中轉送虛擬貨幣，並且獲得相應的區塊鏈交易編號以供查詢相應的區塊鏈交易紀錄及狀態。舉例來說，將來源地址、目的地址及金額傳入區塊鏈應用程序介面，此區塊鏈應用程序介面會將等同金額的虛擬貨幣從來源地址轉送至目的地址，並且返回交易狀態及區塊鏈交易編號。另外，亦可將區塊鏈交易編號傳入區塊鏈應用程序介面，則區塊鏈應用程序介面將返回交易狀態。 Before describing the block chain-based loan consumption intermediary system and method disclosed by the present invention, the environment in which the present invention is applied will be described. The present invention is applied in an environment with a lending host, a loan applying host, a merchant host, and an intermediary host. The lending host, applying loan host, merchant host, and intermediary host are computer devices, such as : Personal computer, server, etc. Among them, the intermediary host is one of the nodes of the blockchain network, has a blockchain, and is capable of performing blockchain transactions. In actual implementation, the execution of blockchain transactions is through the Blockchain API, which can transfer virtual currency in the blockchain network and obtain the corresponding blockchain transaction number for querying the corresponding Blockchain transaction records and status. For example, the source address, destination address, and amount are transferred to the blockchain application interface. This blockchain application interface will transfer the equivalent amount of virtual currency from the source address to the destination address, and return the transaction status and block. Chain transaction number. In addition, you can also pass the blockchain transaction number into the blockchain application program interface, and the blockchain application program interface will return the transaction status.
以下配合圖式對本發明基於區塊鏈的借貸消費中介系統及其方法做進一步說明，請先參閱「第1圖」。「第1圖」為本發明基於區塊鏈的借貸消費中介系統之系統方塊圖，此系統包含：放貸端主機110、申貸端主機120、商家端主機130及中介端主機140。其中，所述放貸端主機110用以傳送放貸請求，在實際實施上，所述放貸請求可包含授權憑證、放貸金額及放貸條件等。以放貸條件 為例，可包含放貸期間、放貸利率及可接受的風險等級等。另外，各放貸端主機110可以是平板電腦、智慧型手機或個人數位助理等提供放貸方操作的計算機裝置，而所述放貸請求可透過有線網路、無線網路或兩者的組合傳送至中介端主機140。 The following is a further explanation of the blockchain-based loan and consumption intermediary system and method of the present invention in conjunction with the drawings. Please refer to "Figure 1" first. "Figure 1" is a system block diagram of a blockchain-based loan consumption intermediary system according to the present invention. The system includes: a lending host 110, a loan application host 120, a merchant host 130, and an intermediary host 140. The lending host 110 is used to transmit a lending request. In actual implementation, the lending request may include an authorization certificate, a lending amount, and a lending condition. Lending conditions Examples include lending periods, lending rates, and acceptable risk levels. In addition, each lending host 110 may be a computer device such as a tablet computer, a smart phone, or a personal digital assistant that provides lender operation, and the lending request may be transmitted to the intermediary through a wired network, a wireless network, or a combination of the two.端 Host 140.
申貸端主機120用以傳送申貸請求。在實際實施上，所述申貸請求可包含授權憑證、申貸金額及申貸條件等，其中，授權憑證可包含金融憑證、自然人憑證、授權書與約定書等；申貸條件可包含申貸用途、申貸金額、申貸期間及適用利率等。另外，各申貸端主機120同樣也可以是平板電腦、智慧型手機或個人數位助理等提供申貸方操作的計算機裝置，並且以有線網路、無線網路或兩者的組合，將申貸請求傳送至中介端主機140。 The loan application host 120 is used to transmit a loan application request. In actual implementation, the loan application request may include authorization documents, loan application amounts, and loan application conditions, among which, the authorization documents may include financial documents, natural person certificates, powers of attorney and agreement, etc .; loan application conditions may include loan applications Purpose, loan application amount, loan application period and applicable interest rate. In addition, each loan application host 120 may also be a computer device such as a tablet computer, a smart phone, or a personal digital assistant that provides loan application operations, and uses a wired network, a wireless network, or a combination of both to apply for a loan request. Send to the intermediary host 140.
商家端主機130用以提供販售的商品或服務之販售訊息，所述販售訊息可透過超文字標示語言(Hypertext Markup Language,HTML)、可延伸標記式語言(Extensible Markup Language,XML)、JSON(JavaScript Object Notation)等資料格式傳送並提供申貸端主機120進行瀏覽、選擇及購買。同樣地，各商家端主機130也可以是平板電腦、智慧型手機或個人數位助理等提供販售方操作的計算機裝置，並且以有線網路、無線網路或兩者的組合傳輸所述販售訊息。 The merchant host 130 is used to provide sales information of the sold goods or services. The sales information may be through Hypertext Markup Language (HTML), Extensible Markup Language (XML), Data formats such as JSON (JavaScript Object Notation) are transmitted and provided to the application and loan host 120 for browsing, selection and purchase. Similarly, each of the merchant host hosts 130 may be a computer device such as a tablet computer, a smart phone, or a personal digital assistant that provides the seller's operation, and transmits the sale through a wired network, a wireless network, or a combination of the two. message.
中介端主機140包含：初始模組141、註冊模組142、借貸模組143及授權支付模組144。其中，初始模組141用以建立區塊鏈網路，並且產生中介端錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端錢包地址。在實際實施上，中介端主機140在初始時會建立一個創世區塊(Genesis Block)，亦即區塊鏈的第一個區塊，以便供後續產生的區塊進行鏈結而形成區塊鏈。另外，預設虛擬貨幣可以是上限值或任意數值，舉例來說，於初始時產生上限值的虛擬 貨幣以存入中介端錢包地址，或是將所有新產生的虛擬貨幣皆存入中介端錢包地址，以便統一管理。 The intermediary host 140 includes an initial module 141, a registration module 142, a loan module 143, and an authorized payment module 144. The initial module 141 is used to establish a blockchain network, generate an intermediary wallet address, and directly store a preset virtual currency in the blockchain network into the intermediary wallet address. In actual implementation, the intermediary host 140 will initially create a Genesis Block, that is, the first block of the blockchain, so that subsequent generated blocks can be linked to form a blockchain. . In addition, the preset virtual currency can be an upper limit value or any value, for example, a virtual value that generates an upper limit value initially Currency can be deposited into the intermediary wallet address, or all newly generated virtual currencies are deposited into the intermediary wallet address for unified management.
註冊模組142用以允許放貸端主機110、申貸端主機120及商家端主機130在中介端主機140進行註冊，並且在註冊成功時，分別產生對應放貸端主機110的放貸端錢包地址、對應申貸端主機120的申貸端錢包地址及對應商家端主機130的商家端錢包地址。換句話說，當註冊成功時，中介端主機140會產生相應的區塊鏈錢包，每一個區塊鏈錢包都有一個錢包地址供接收及傳送虛擬貨幣之用。然而，在本發明中，雖然中介端主機140分別針對放貸端主機110、申貸端主機120及商家端主機130產生對應的放貸端錢包地址、申貸端錢包地址及商家端錢包地址，但是這些地址僅允許中介端主機140藉由執行區塊鏈交易來轉送虛擬貨幣，而不允許放貸端主機110、申貸端主機120及商家端主機130各自執行區塊鏈交易來轉送虛擬貨幣，因放貸端主機110、申貸端主機120及商家端主機130本身並非區塊鏈網路的成員，其錢包私鑰也儲存在中介端主機140，所以放貸端主機110、申貸端主機120及商家端主機130本身無法執行區塊鏈交易，而是透過中介端主機140來執行區塊鏈交易。 The registration module 142 is used to allow the lending end host 110, the loan application host 120, and the merchant end host 130 to register with the intermediary host 140, and when the registration is successful, the lending end wallet address corresponding to the lending end host 110, the corresponding The loan application wallet address of the loan application host 120 and the merchant wallet address corresponding to the merchant application host 130. In other words, when the registration is successful, the intermediary host 140 will generate a corresponding blockchain wallet, and each blockchain wallet has a wallet address for receiving and transmitting virtual currency. However, in the present invention, although the intermediary end host 140 generates the corresponding lending end wallet address, the lending end wallet address, and the merchant end wallet address for the lending end host 110, the applying end host 120, and the merchant end host 130, respectively, but these The address only allows the intermediary host 140 to transfer the virtual currency by executing a blockchain transaction, and does not allow the lender host 110, the loan application host 120, and the merchant host 130 to each execute a blockchain transaction to transfer virtual currency. The host 110, the loan application host 120, and the merchant application host 130 are not members of the blockchain network, and their wallet private keys are also stored in the intermediary host application 140. Therefore, the loan application host 110, the application application host 120, and the merchant application The host 130 itself cannot execute the blockchain transaction, but executes the blockchain transaction through the intermediary host 140.
借貸模組143用以接收申貸請求及放貸請求以進行媒合，並且於成功媒合後產生借貸交易確認訊息，當借貸模組143偵測到對應借貸交易確認訊息的放貸現金匯入到中介端主機140的指定銀行帳戶時，由中介端主機執行區塊鏈的虛擬貨幣交易，達成金融資訊流的控管。首先，自中介端錢包地址將等同放貸現金的虛擬貨幣轉送至放貸端錢包地址，再由借貸模組143將放貸端錢包地址中等同放貸現金的虛擬貨幣轉送至申貸端錢包地址。在實際實施上，偵測對應借貸交易確認訊息的放貸現金是否匯入到中介端主機140的指定銀行帳戶可透過銀行 端提供的應用程式介面(Application Programming Interface,API)(簡稱為銀行應用程式介面)。舉例來說，借貸模組143可透過銀行應用程式介面查詢中介端主機140的指定銀行帳戶，以便根據中介端主機140的指定銀行帳戶內餘額變化或交易訊息來確認放貸現金是否已經成功匯入。 The lending module 143 is used to receive loan application requests and lending requests for matchmaking, and generate a loan transaction confirmation message after successful matchmaking. When the lending module 143 detects that the lending cash corresponding to the loan transaction confirmation message is remitted to the intermediary When the designated host bank account of the end host 140 is used, the intermediary end host performs the virtual currency transaction of the blockchain to control the financial information flow. First, the virtual currency equivalent to the lending cash is transferred from the intermediary wallet address to the lending end wallet address, and then the lending module 143 transfers the virtual currency equivalent to the lending cash to the lending wallet address. In actual implementation, whether the lending cash corresponding to the confirmation message of the loan transaction is remitted to the designated bank account of the intermediary host 140 can be passed through the bank Application Programming Interface (API) provided by the client (referred to as bank application programming interface for short). For example, the lending module 143 can query the designated bank account of the intermediary host 140 through a bank application program interface, so as to confirm whether the lending cash has been successfully transferred according to the balance change or transaction information in the designated bank account of the intermediary host 140.
授權支付模組144用以當申貸端主機120根據商家端主機130的販售訊息生成包含訂單金額的訂單，並於完成訂購後，由授權支付模組144執行區塊鏈虛擬貨幣交易。首先，授權支付模組144將申貸端錢包地址中等同訂單金額的虛擬貨幣轉送至商家端錢包地址；當商家端主機130完成商品或服務的交付後，授權支付模組144授權中介端主機140的指定銀行帳戶轉帳等同訂單金額的現金至商家端主機130的指定銀行帳戶，上述動作完成後，授權支付模組144再次執行區塊鏈交易，將商家端錢包地址中等同訂單金額的虛擬貨幣轉送至中介端錢包地址。舉例來說，假設申貸端主機120完成訂購後的訂單金額為「10,000」，中介端主機140執行區塊鏈虛擬貨幣交易時，會從申貸端錢包地址轉送等同的虛擬貨幣「10,000」至商家端錢包地址，此時便在中介端主機140的區塊鏈中留存有相應金額的交易紀錄。接著，在商家端主機130完成商品或服務的交付後，中介端主機140再授權中介端主機140的指定銀行帳戶轉帳「10,000」現金至商家端主機130的指定銀行帳戶，此時即透過銀行完成實際的現金支付行為。接下來，中介端主機140透過銀行端提供的應用程式介面確認現金轉帳成功後，中介端主機140再次執行區塊鏈交易，以便從商家端錢包地址將「10,000」個虛擬貨幣轉送至中介端錢包地址，也就是說，當商家端主機130收到「10,000」現金後，中介端主機140便會從商家端錢包地址回收「10,000」個虛擬貨幣。要補充說明的是，授權支付模組144同樣可透過設置在銀行端的銀行應用程式介面傳送授權憑 證以便確認等同訂單金額的現金是否成功由中介端主機140的指定銀行帳戶轉帳至商家端主機130的指定銀行帳戶。換句話說，銀行應用程式介面會根據授權憑證及中介端主機140的指定銀行帳戶驗證是否為合法的身分，並且在驗證通過後，回傳中介端主機140的指定銀行帳戶交易訊息，以供中介端主機140根據交易訊息確認是否有放貸現金匯入，以及轉帳是否成功等。 The authorized payment module 144 is used when the loan application host 120 generates an order containing the order amount according to the sales information of the merchant host 130, and after completing the order, the authorized payment module 144 executes the blockchain virtual currency transaction. First, the authorized payment module 144 transfers the virtual currency equivalent to the order amount in the wallet address of the application loan to the merchant's wallet address; when the merchant host 130 completes the delivery of goods or services, the authorized payment module 144 authorizes the intermediary host 140 The designated bank account transfers cash equivalent to the order amount to the designated bank account of the merchant's host 130. After the above actions are completed, the payment module 144 is authorized to perform blockchain transactions again to transfer virtual currency equivalent to the order amount in the merchant's wallet address. To the intermediary wallet address. For example, assuming that the order amount of the application host 120 after completing the order is "10,000", when the intermediary host 140 performs a blockchain virtual currency transaction, it will transfer the equivalent virtual currency "10,000" to At the merchant's wallet address, at this time, a transaction record of the corresponding amount is kept in the blockchain of the intermediary host 140. Then, after the merchant host 130 completes the delivery of the goods or services, the intermediary host 140 then authorizes the designated bank account of the intermediary host 140 to transfer "10,000" cash to the designated bank account of the merchant host 130, which is then completed through the bank Actual cash payment behavior. Next, after the intermediary host 140 confirms that the cash transfer was successful through the application interface provided by the bank, the intermediary host 140 performs a blockchain transaction again to transfer "10,000" virtual currencies from the merchant's wallet address to the intermediary wallet. Address, that is, when the merchant host 130 receives "10,000" cash, the intermediary host 140 will recover "10,000" virtual currency from the merchant wallet address. It should be added that the authorization payment module 144 can also send authorization credentials through a bank application program interface provided on the bank side. In order to confirm whether the cash equivalent to the order amount is successfully transferred from the designated bank account of the intermediary host 140 to the designated bank account of the merchant host 130. In other words, the bank application program interface will verify whether the identity is valid according to the authorization certificate and the designated bank account of the intermediary host 140, and after passing the verification, return the designated bank account transaction information of the intermediary host 140 for the intermediary The host computer 140 confirms whether there is a lending cash remittance and whether the transfer is successful according to the transaction message.
另外，在實際實施上，本發明的中介端主機140更可包含還款模組145用以在申貸端主機120根據借貸交易確認訊息，傳送包含還款金額的還款請求至中介端主機140時，還款模組145透過銀行應用程式介面確認申貸方是否將還款金額匯入中介端主機140的指定銀行帳戶，接著在確認匯入後，還款模組145執行區塊鏈虛擬貨幣交易，自中介端錢包地址將等同還款金額的虛擬貨幣轉送至申貸端錢包地址，接著，中介端主機140從申貸端錢包地址將等同還款金額的虛擬貨幣轉送至放貸端錢包地址。放貸端主機110在獲得申貸端主機120之還款後，放貸端主機110得透過中介端主機140，將指定數額之虛擬貨幣之對應現金數額轉入放貸端主機110之指定銀行帳戶，中介端主機140同時自放貸端錢包地址將等同的虛擬貨幣轉送至中介端錢包地址。舉例來說，假設使用者輸入的還款金額為「10,005」(如：申貸金額加上利息)，申貸端主機120在還款時，會傳送包含還款金額「10,005」的還款請求至中介端主機140，在實際實施上，使用者輸入的還款金額可以等於或小於申貸金額與利息的總和，也就是說，還款模組145允許使用者部分還款(如：分期付款)。另外，在還款同時，申貸端主機120也會從申貸端主機120的指定銀行帳戶轉帳上述還款金額至中介端主機140的指定銀行帳戶。接著，當還款模組145偵測到中介端主機140的指定銀行帳戶已經匯入現金「10,005」時，執行區塊鏈交易，從中介端錢包地址將相對應數額之虛擬貨幣 (例如：10,005個虛擬貨幣)轉送至申貸端錢包地址。接著，中介端主機140從申貸端錢包地址將等同還款金額的虛擬貨幣(例如：10,005個虛擬貨幣)轉送至放貸端錢包地址。放貸端主機110在獲得申貸端主機120之還款後，放貸端主機110得透過中介端主機140將指定數額之虛擬貨幣所對應的現金數額「10,005」轉入放貸端主機110之指定銀行帳戶，中介端主機140同時自放貸端錢包地址將等同的虛擬貨幣(例如：10,005個虛擬貨幣)轉送至中介端錢包地址。如此一來，便可從銀行帳戶的金流，以及轉送虛擬貨幣所形成的交易資訊流分別進行交易驗證，進而實現雙重驗證以提高交易的安全性及可靠性，例如：根據區塊鏈交易編號查詢指定的一筆區塊鏈交易；根據申貸端錢包地址查詢申貸方的所有交易歷史；根據放貸端錢包地址查詢放貸方的所有交易歷史等。 In addition, in actual implementation, the intermediary host 140 of the present invention may further include a repayment module 145 for transmitting a repayment request including a repayment amount to the intermediary host 140 based on the loan transaction confirmation message at the loan application host 120. At the time, the repayment module 145 confirms through the bank application program interface whether the borrower and creditor will remit the repayment amount to the designated bank account of the intermediary host 140, and then after confirming the remittance, the repayment module 145 performs blockchain virtual currency transactions From the wallet address of the intermediary terminal, the virtual currency equivalent to the repayment amount is transferred to the wallet address of the loan application side. Then, the intermediary host 140 transfers the virtual currency equivalent to the repayment amount from the wallet address of the loan application side to the wallet address of the lender. After the lending host 110 obtains the repayment from the loan applying host 120, the lending host 110 may transfer the corresponding cash amount of the specified amount of virtual currency to the designated bank account of the lending host 110 through the intermediary host 140. The intermediary terminal The host 140 also forwards the equivalent virtual currency from the lending-end wallet address to the intermediary-end wallet address. For example, assuming that the repayment amount entered by the user is "10,005" (eg, the loan application amount plus interest), the loan application host 120 will send a repayment request containing the repayment amount "10,005" when repaying To the intermediary host 140, in actual implementation, the repayment amount entered by the user can be equal to or less than the sum of the loan application amount and interest, that is, the repayment module 145 allows the user to partially repay (such as installment payments) ). In addition, at the same time as repayment, the loan application host 120 will also transfer the repayment amount from the designated bank account of the loan application host 120 to the designated bank account of the intermediary host 140. Then, when the repayment module 145 detects that the designated bank account of the intermediary host 140 has remitted cash “10,005”, the blockchain transaction is executed, and the corresponding amount of virtual currency will be transferred from the intermediary wallet address. (E.g. 10,005 virtual currencies) will be transferred to the wallet address of the loan application side. Next, the intermediary host 140 transfers the virtual currency (for example, 10,005 virtual currencies) equivalent to the repayment amount from the application-end wallet address to the lending-end wallet address. After obtaining the repayment from the loan application host 120, the loan application host 110 may transfer the cash amount “10,005” corresponding to the specified amount of virtual currency to the designated bank account of the loan application host 110 through the intermediary application host 140 At the same time, the intermediary host 140 forwards the equivalent virtual currency (for example, 10,005 virtual currencies) from the lending wallet address to the intermediary wallet address. In this way, transaction verification can be performed separately from the gold flow of the bank account and the transaction information flow formed by the transfer of virtual currency, and then double verification is implemented to improve the security and reliability of the transaction, for example, according to the blockchain transaction number Query a specified blockchain transaction; query all transaction history of the borrower and lender according to the wallet address of the loan application side; query all transaction history of the lender and so on according to the wallet address of the lender side.
特別要說明的是，在實際實施上，本發明所述的各模組皆可利用各種方式來實現，包含軟體、硬體或其任意組合，例如，在某些實施方式中，各模組可利用軟體及硬體或其中之一來實現，除此之外，本發明亦可部分地或完全地基於硬體來實現，例如，系統中的一個或多個模組可以透過積體電路晶片、系統單晶片(System on Chip,SoC)、複雜可程式邏輯裝置(Complex Programmable Logic Device,CPLD)、現場可程式邏輯閘陣列(Field Programmable Gate Array,FPGA)等。本發明可以是系統、方法及/或電腦程式。電腦程式可以包括電腦可讀儲存媒體，其上載有用於使處理器實現本發明的各個方面的電腦可讀程式指令，電腦可讀儲存媒體可以是可以保持和儲存由指令執行設備使用的指令的有形設備。電腦可讀儲存媒體可以是但不限於電儲存設備、磁儲存設備、光儲存設備、電磁儲存設備、半導體儲存設備或上述的任意合適的組合。電腦可讀儲存媒體的更具體的例子(非窮舉的列表)包括：硬碟、隨機存取記憶體、唯讀記憶體、快 閃記憶體、光碟、軟碟以及上述的任意合適的組合。此處所使用的電腦可讀儲存媒體不被解釋為瞬時信號本身，諸如無線電波或者其它自由傳播的電磁波、通過波導或其它傳輸媒介傳播的電磁波(例如，通過光纖電纜的光信號)、或者通過電線傳輸的電信號。另外，此處所描述的電腦可讀程式指令可以從電腦可讀儲存媒體下載到各個計算/處理設備，或者通過網路，例如：網際網路、區域網路、廣域網路及/或無線網路下載到外部電腦設備或外部儲存設備。網路可以包括銅傳輸電纜、光纖傳輸、無線傳輸、路由器、防火牆、交換器、集線器及/或閘道器。每一個計算/處理設備中的網路卡或者網路介面從網路接收電腦可讀程式指令，並轉發此電腦可讀程式指令，以供儲存在各個計算/處理設備中的電腦可讀儲存媒體中。執行本發明操作的電腦程式指令可以是組合語言指令、指令集架構指令、機器指令、機器相關指令、微指令、韌體指令、或者以一種或多種程式語言的任意組合編寫的原始碼或目的碼(Object Code)，所述程式語言包括物件導向的程式語言，如：Common Lisp、Python、C++、Objective-C、Smalltalk、Delphi、Java、Swift、C#、Perl、Ruby與PHP等，以及常規的程序式(Procedural)程式語言，如：C語言或類似的程式語言。計算機可讀程式指令可以完全地在電腦上執行、部分地在電腦上執行、作為一個獨立的軟體執行、部分在客戶端電腦上部分在遠端電腦上執行、或者完全在遠端電腦或伺服器上執行。 It should be particularly noted that, in actual implementation, each module described in the present invention can be implemented in various ways, including software, hardware, or any combination thereof. For example, in some embodiments, each module can It can be implemented by software or hardware or one of them. In addition, the present invention can also be implemented partially or completely based on hardware. For example, one or more modules in the system can be implemented through integrated circuit chips, System on Chip (SoC), Complex Programmable Logic Device (CPLD), Field Programmable Gate Array (FPGA), etc. The invention may be a system, a method, and / or a computer program. The computer program may include a computer-readable storage medium having computer-readable program instructions for enabling a processor to implement various aspects of the present invention. The computer-readable storage medium may be a tangible computer that can hold and store instructions used by the instruction execution device. device. The computer-readable storage medium may be, but is not limited to, an electric storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples (non-exhaustive list) of computer-readable storage media include: hard disks, random access memory, read-only memory, flash memory Flash memory, optical discs, floppy discs, and any suitable combination of the foregoing. Computer-readable storage media used herein are not to be interpreted as transient signals per se, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (for example, optical signals through fiber optic cables), or via electrical wires Electrical signal transmitted. In addition, the computer-readable program instructions described herein can be downloaded from computer-readable storage media to various computing / processing devices, or downloaded via a network such as the Internet, a local area network, a wide area network, and / or a wireless network To an external computer device or external storage device. The network may include copper transmission cables, fiber optic transmission, wireless transmission, routers, firewalls, switches, hubs, and / or gateways. The network card or network interface in each computing / processing device receives computer-readable program instructions from the network and forwards the computer-readable program instructions for computer-readable storage media stored in each computing / processing device in. The computer program instructions for performing the operations of the present invention may be combined language instructions, instruction set architecture instructions, machine instructions, machine-related instructions, microinstructions, firmware instructions, or source code or object code written in any combination of one or more programming languages. (Object Code), the programming language includes object-oriented programming languages, such as: Common Lisp, Python, C ++, Objective-C, Smalltalk, Delphi, Java, Swift, C #, Perl, Ruby, PHP, etc., as well as regular procedures Procedural programming languages, such as C or similar programming languages. Computer-readable program instructions can be executed entirely on a computer, partly on a computer, as a stand-alone software, partly on a client computer, partly on a remote computer, or entirely on a remote computer or server On.
接著，請參閱「第2A圖」及「第2B圖」，「第2A圖」及「第2B圖」為本發明基於區塊鏈的借貸消費中介方法之方法流程圖，應用在具有放貸端主機110、申貸端主機120、商家端主機130及中介端主機140的環境中，其步驟包括：中介端主機140於初始時，建立區塊鏈網路，並且產生中介端錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端錢包地址(步驟210)；當放 貸端主機110、申貸端主機120及商家端主機130在中介端主機140成功註冊時，中介端主機140分別產生對應放貸端主機110的放貸端錢包地址、對應申貸端主機120的申貸端錢包地址及對應商家端主機130的商家端錢包地址(步驟220)；當放貸端主機110傳送放貸請求至中介端主機140，以及申貸端主機120傳送申貸請求至中介端主機140時，中介端主機140根據接收到的放貸請求及申貸請求進行媒合，並且於成功媒合後產生借貸交易確認訊息(步驟230)；當中介端主機140偵測到對應借貸交易確認訊息的放貸現金匯入到中介端主機140的指定銀行帳戶時，中介端主機140執行區塊鏈交易，先自中介端錢包地址將等同放貸現金的虛擬貨幣轉送至放貸端錢包地址，再由放貸端錢包地址轉送至申貸端錢包地址(步驟240)；當申貸端主機120根據商家端主機130的販售訊息生成包含訂單金額的訂單，並於完成訂購後，中介端主機140執行區塊鏈虛擬貨幣交易，自申貸端錢包地址將等同訂單金額的虛擬貨幣轉送至商家端錢包地址，並且在完成訂單後，授權自中介端主機140的指定銀行帳戶轉帳等同訂單金額的現金至商家端主機130的指定銀行帳戶(步驟250)；當等同訂單金額的現金成功轉帳至商家端主機130的指定銀行帳戶後，中介端主機140執行區塊鏈交易，自商家端錢包地址將等同訂單金額的虛擬貨幣轉送至中介端錢包地址(步驟260)。透過上述步驟，即可透過中介端主機140建立區塊鏈網路，並且產生中介端主機140、放貸端主機110、申貸端主機120及商家端主機130的錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端主機140的錢包地址，用以在借貸及支付時，由中介端主機140確認存入放貸現金及支付訂單金額的金流後，執行區塊鏈交易以根據金流在中介端主機140、放貸端主機110、申貸端主機120及商家端主機130的錢包地 址之間轉送虛擬貨幣形成交易資訊流，以便根據金流及交易資訊流追朔交易及雙重驗證交易。 Next, please refer to "Figure 2A" and "Figure 2B", "Figure 2A" and "Figure 2B" are flowcharts of the method of intermediary method of loan consumption based on the blockchain of the present invention, which is applied to a host with a lending end. 110. In the environment of the application host 120, the merchant host 130, and the intermediary host 140, the steps include: the intermediary host 140 initially establishes a blockchain network, generates an intermediary wallet address, and directly transfers The default virtual currency in the blockchain network is deposited into the intermediary wallet address (step 210); When the lending host 110, the lending host 120, and the merchant host 130 are successfully registered with the intermediary host 140, the intermediary host 140 generates a lending wallet address corresponding to the lending host 110, and a loan application corresponding to the lending host 120. The wallet address and the merchant wallet address corresponding to the merchant host 130 (step 220); when the lending host 110 sends a loan request to the intermediary host 140 and the loan application host 120 sends a loan application request to the intermediary host 140, The intermediary host 140 performs matchmaking according to the received loan request and loan application request, and generates a loan transaction confirmation message after successful matchmaking (step 230); the intermediary host 140 detects the loan cash corresponding to the loan transaction confirmation message When importing to the designated bank account of the intermediary host 140, the intermediary host 140 executes the blockchain transaction, and first transfers the virtual currency equivalent to the lending cash from the intermediary wallet address to the lending wallet address, and then the lending wallet address. To the wallet address of the loan application side (step 240); when the loan application host 120 generates an order containing the order amount according to the sales information of the merchant host 130 And after completing the order, the intermediary host 140 executes the blockchain virtual currency transaction, and the virtual currency equivalent to the order amount is transferred from the application-end wallet address to the merchant-side wallet address, and after the order is completed, the intermediary host 140 is authorized The designated bank account of the bank transfers the cash equivalent to the order amount to the designated bank account of the merchant host 130 (step 250); when the cash equivalent to the order amount is successfully transferred to the designated bank account of the merchant host 130, the intermediary host 140 executes the block For chain transactions, the virtual currency equivalent to the order amount is transferred from the merchant's wallet address to the intermediary wallet address (step 260). Through the above steps, a blockchain network can be established through the intermediary host 140, and the wallet addresses of the intermediary host 140, the lending host 110, the loan application host 120, and the merchant host 130 can be generated, and the blockchain can be directly transferred. The default virtual currency in the network is deposited into the wallet address of the intermediary host 140, which is used by the intermediary host 140 to confirm the deposit of the loan cash and the payment of the order's gold flow during borrowing and payment, and then execute the blockchain transaction According to the gold flow in the wallet host of the intermediary host 140, the lending host 110, the loan application host 120 and the merchant host 130 Virtual currency is transferred between sites to form a transaction information flow, in order to track transactions and double-check transactions according to the gold flow and transaction information flow.
另外，在步驟260之後，當申貸端主機120根據借貸交易確認訊息傳送包含還款金額的還款請求至中介端主機140時，中介端主機140偵測中介端主機140的銀行帳戶，當確認還款金額匯入中介端主機140的銀行帳戶時，中介端主機140執行區塊鏈交易，自中介端錢包地址將等同還款金額的虛擬貨幣轉送至申貸端錢包地址(步驟270)；以及中介端主機140自中介端主機140的銀行帳戶轉帳等同還款金額的現金至放貸端主機110的銀行帳戶，以及執行區塊鏈交易，先自申貸端錢包地址將等同還款金額的虛擬貨幣轉送至放貸端錢包地址，再自放貸端錢包地址轉送至中介端錢包地址(步驟280)。如此一來，即可完成借貸的還款流程，並且同時在金流及區塊鏈的交易資訊流中留下交易紀錄。 In addition, after step 260, when the loan application host 120 sends a repayment request including the repayment amount to the intermediary host 140 according to the loan transaction confirmation message, the intermediary host 140 detects the bank account of the intermediary host 140, and when it confirms When the repayment amount is remitted to the bank account of the intermediary host 140, the intermediary host 140 executes a blockchain transaction and transfers virtual currency equivalent to the repayment amount from the intermediary wallet address to the loan application wallet address (step 270); and The intermediary host 140 transfers cash equivalent to the repayment amount from the bank account of the intermediary host 140 to the bank account of the lender 110 and executes the blockchain transaction. The self-applied wallet address will be the virtual currency equivalent to the repayment amount. Transfer to the lending wallet address, and then transfer from the lending wallet address to the intermediary wallet address (step 280). In this way, the loan repayment process can be completed, and at the same time, transaction records are left in the transaction information flow of the gold stream and the blockchain.
以下配合「第3圖」至「第7圖」以實施例的方式進行如下說明，請先參閱「第3圖」，「第3圖」為應用本發明進行申貸之示意圖。假設申貸方欲申請購車頭期款的貸款，申貸方可在申貸端主機120的圖形使用者界面中開啟申貸界面300，此申貸界面300可顯示申貸方的適用利率340，並且允許申貸方在資金用途區塊310輸入用途，如：「購車頭期款」、在申貸金額區塊320輸入金額，如：「100,000」以及在申貸期間區塊330輸入天數，如：「60天」。當申貸方輸入完成且確認無誤後，再點選申請按鍵350以產生相應的申貸請求且傳送至中介端主機140。換句話說，在申請貸款時，申貸方先在申貸端主機120的圖形使用者界面中選擇借款所需的相關資料，如：申貸用途、申貸金額、申貸天數等等，這些相關資料將作為申貸請求的一部分且傳送至中介端主機140，以便在中介端主機140確認申貸請求後，公告申貸請求提供放貸方透過放貸端主機110進行瀏覽。 The following description is made in the manner of an embodiment in conjunction with "Figure 3" to "Figure 7". Please refer to "Figure 3" first, and "Figure 3" is a schematic diagram of applying the present invention to apply for a loan. Assume that the loan applicant wants to apply for a loan for the first installment of the car. The loan applicant can open the loan application interface 300 in the graphical user interface of the host 120 of the loan application terminal. The lender enters the purpose in the fund use block 310, such as: "the first payment of the car purchase", the amount in the loan application amount block 320, such as: "100,000" and the number of days in the loan application block 330, such as: "60 days ". After the input of the loan application is completed and confirmed, the application button 350 is clicked to generate a corresponding loan application and send it to the intermediary host 140. In other words, when applying for a loan, the loan applicant first selects the relevant information required for the loan in the graphical user interface of the loan application host 120, such as the application of the loan, the amount of the loan, the number of days to apply for the loan, etc. The data will be sent to the intermediary host 140 as part of the loan application request, so that after the intermediary host 140 confirms the loan application, the announcement of the loan application will be provided for the lender to browse through the lender host 110.
如「第4A圖」至「第4E圖」所示意，「第4A圖」至「第4E圖」為應用本發明進行放貸選擇之示意圖。前面提到，中介端主機140會公告申貸請求，用以提供放貸方透過放貸端主機110進行瀏覽，在實際實施上，倘若放貸方欲進行放貸，放貸方可如「第4A圖」所示意，透過放貸端主機110在圖形使用者界面中的放貸界面400，在顯示區塊420中瀏覽中介端主機140公告的申貸請求，每一個申貸請求包含申貸人、申貸用途、申貸金額及申貸期間等。特別要說明的是，這些申貸請求可根據申貸人的信用程度進行篩選，例如：根據申貸人的信用程度高低，依序顯示其申貸請求，或是根據申貸人的信用程度計算風險等級及利率，並且根據風險等級及利率篩選出相應的申貸請求以進行顯示。舉例來說，放貸方可透過下拉式選單410選擇可接受的風險等級與利率，顯示區塊420則顯示符合前述選擇的所有申貸請求之列表，放貸方點選欲借款的申貸請求421後，再點選放貸按鍵430以產生相應的放貸請求並傳送至中介端主機140進行媒合。 As shown in "Figure 4A" to "Figure 4E", "Figure 4A" to "Figure 4E" are schematic diagrams of applying the present invention for loan selection. As mentioned earlier, the intermediary host 140 will announce a loan application request to provide lenders with browsing through the lender host 110. In actual implementation, if the lender wants to lend, the lender can indicate as shown in Figure 4A. Through the lending interface 400 of the lending host 110 in the graphical user interface, browse the loan application announced by the intermediary host 140 in the display block 420. Each loan application includes the loan applicant, loan application, and loan application. Amount and loan application period. In particular, these loan application requests can be filtered according to the creditworthiness of the lender, for example, according to the creditworthiness of the lender, the request for loans can be displayed in order, or calculated based on the creditworthiness of the lender The risk level and interest rate, and the corresponding loan application request is screened for display according to the risk level and interest rate. For example, the lender can select an acceptable risk level and interest rate through the drop-down menu 410, and the display block 420 displays a list of all the loan application requests that meet the previous selection. After the lender clicks the loan application request 421 to borrow, Then, click the lending button 430 to generate a corresponding lending request and send it to the intermediary host 140 for matching.
假設欲查看詳細的申貸方資訊，放貸方可點選申貸請求421中的申貸人(如：借款人A)，此時，可在如「第4B圖」所示意的申貸方資訊界面450中顯示申貸方的姓名、年收入、目前貸款狀況、每月負債收入比及其它信用紀錄等相關資訊，當確認申貸方資訊後，放貸方可點選回上一頁按鍵451回到放貸界面400。另外，當放貸方點選放貸按鍵430後，放貸端主機110還可如「第4C圖」所示意產生放貸確認界面460，用以顯示申貸方欲借款的金額、適用利率、申貸期間等等，甚至還可在顯示區塊461中顯示根據風險等級所計算出的各種本利和方案，當放貸方確認放貸後，可點選確認放貸按鍵462產生放貸請求並傳送至中介端主機140以進行媒合。當媒合成功且放貸方將放貸現金匯入到中介端主機140的銀行帳戶後，中介端主機140會執行區塊鏈交易，先自中介端錢包地址將等同 放貸現金的虛擬貨幣轉送至放貸端錢包地址，再由放貸端錢包地址轉送至申貸端錢包地址，其中，在執行區塊鏈交易時，會獲得相應的區塊鏈交易編號。接著，可如「第4D圖」所示意，產生放貸完成界面470顯示此筆放貸的放貸金額、區塊鏈交易編號及交易完成時間，提供放貸方瀏覽及確認，之後，放貸方可點選回主選單按鍵471返回主頁面(圖中未示)。至此，即可藉由此區塊鏈交易編號來查詢此筆放貸記錄的詳細資料，舉例來說，可如「第4E圖」所示意產生放貸紀錄界面480，由放貸方點選借款人資訊按鍵481顯示申貸方(也可稱為借款人)的詳細資訊，以及點選還款紀錄按鍵482以區塊鏈交易編號來查詢此筆放貸記錄的詳細資料。 Suppose you want to view detailed information about the lenders and lenders. The lender can click on the lender (for example, borrower A) in the petition 421. At this time, you can click on the lender and credit information interface 450 shown in Figure 4B. The name, annual income, current loan status, monthly debt-income ratio, and other credit records of the lender are displayed. After confirming the information of the lender, the lender can click the back button 451 to return to the loan interface 400. . In addition, after the lender clicks the lent button 430, the lender 110 can also generate a lent confirmation interface 460 as shown in "Figure 4C", which is used to display the amount the borrower wants to borrow, the applicable interest rate, the loan application period, etc. You can even display various principals and benefits calculated according to the risk level in the display block 461. After the lender confirms the loan, you can click the confirm loan button 462 to generate a loan request and send it to the intermediary host 140 for mediating. Together. When the matchmaking is successful and the lender transfers the lending cash to the bank account of the intermediary host 140, the intermediary host 140 will execute the blockchain transaction, and the address from the intermediary wallet will be equivalent first The virtual currency of lending cash is transferred to the lending end wallet address, and then the lending end wallet address is transferred to the application loan end wallet address. Among them, the corresponding blockchain transaction number will be obtained when the blockchain transaction is executed. Then, as shown in the "Figure 4D", a loan completion interface 470 is generated to display the loan amount, blockchain transaction number and transaction completion time of the loan, and provides the lender with browsing and confirmation. After that, the lender can click back The main menu button 471 returns to the main page (not shown). At this point, you can query the details of this lending record by this blockchain transaction number. For example, you can generate the lending record interface 480 as shown in Figure 4E. The lender clicks the borrower information button. 481 displays the detailed information of the lender of credit (also known as the borrower), and clicks the repayment record button 482 to query the details of this lending record with the blockchain transaction number.
特別要說明的是，除了由放貸方自行指定選擇申貸請求的方式之外，中介端主機140亦可在一段預設期間內(例如：每隔三分鐘)根據放貸請求及申貸請求進行媒合(例如：申貸金額與放貸金額相同者，設定兩者為成功媒合)，並且於媒合成功後產生借貸交易確認訊息。所述借貸交易確認訊息可傳送至申貸端主機120及放貸端主機110以供申貸方及放貸方確認，雙方同意後，交易正式成立。以包含申貸金額「100,000」的申貸請求為例，倘若中介端主機140亦存在一個放貸金額為「100,000」的放貸請求，由於放貸金額與申貸金額相同，所以中介端主機140會將相同金額的申貸請求及放貸請求設定為成功媒合，或是中介端主機140存在二個放貸金額為「50,000」的放貸請求，由於這二個放貸請求的總金額與申貸金額相同，所以中介端主機140同樣可將此申貸請求與這二個放貸請求設定為成功媒合。換句話說，借貸模組143進行媒合時，可根據放貸請求的放貸金額及申貸請求的申貸金額進行比對，當放貸金額與申貸金額相等時，設定為成功媒合，其中，放貸金額允許來自不同的放貸端主機110。 It should be particularly noted that, in addition to the way in which the lender appoints and selects a loan application request, the intermediary host 140 can also perform media according to the loan request and loan application within a preset period (for example, every three minutes). (For example, if the loan application amount and the loan amount are the same, set the two as successful matchmaking), and generate a loan transaction confirmation message after the successful matchmaking. The loan transaction confirmation message can be transmitted to the loan application host 120 and the lender application host 110 for confirmation by the lender and the lender. After the two parties agree, the transaction is formally established. Taking a loan application request with a loan amount of "100,000" as an example, if there is also a loan request with a loan amount of "100,000" at the intermediary host 140, since the loan amount is the same as the loan application amount, the intermediary host 140 will The amount of loan application request and loan request is set to successful matching, or there are two loan requests of "50,000" in the intermediary host 140. Since the total amount of these two loan requests is the same as the loan application amount, the intermediary The end host 140 can also set the loan application and the two loan requests as successful matchmaking. In other words, when the lending module 143 performs matchmaking, it can make a comparison based on the amount of the loan request and the amount of the loan application. When the amount of the loan is equal to the amount of the loan application, it is set as a successful matchmaking, where, The amount of lending is allowed from different lending end hosts 110.
如「第5A圖」及「第5B圖」所示意，「第5A圖」及「第5B圖」為應用本發明進行消費支付之示意圖。當申貸方在商家端主機130購買商品或服務時，將根據商家端主機130的販售訊息生成包含訂單金額的訂單，而中介端主機140在訂單生成(亦可稱之為訂單成立)後，將執行區塊鏈交易，自申貸端錢包地址將等同訂單金額的虛擬貨幣轉送至商家端錢包地址。接著，當申貸方收到購買的商品或服務後，可開啟如「第5A圖」所示意的消費支付界面500支付訂單金額，例如，申貸方可在付款對象區塊510輸入商家端主機130的電話號碼或銀行帳號、在付款金額區塊520輸入訂單金額、在密碼區塊530輸入申貸方的密碼，並且點選付款按鍵540進行現金支付。所述中介端主機140在申貸方點選付款按鍵540後即視為完成訂單，故自中介端主機140的銀行帳戶轉帳等同訂單金額的現金至對應訂單的商家端主機之銀行帳戶，並且當等同訂單金額的現金成功轉帳至商家端主機130的銀行帳戶後，執行區塊鏈交易，自商家端錢包地址將等同訂單金額的虛擬貨幣轉送至中介端錢包地址。換句話說，當申貸方透過申貸端主機120下單且訂單成立後，中介端主機140會執行一次區塊鏈交易，從申貸端錢包地址轉送等同訂單金額的虛擬貨幣到商家端錢包地址，以及在申貸方收到商品或服務後，再通過申貸端主機120的消費支付界面500通知中介端主機140，將等同訂單金額的現金從中介端主機140的指定銀行帳戶轉帳至商家端主機130的指定銀行帳戶，然後在成功轉帳後，再執行一次區塊鏈交易，從商家端錢包地址將等同訂單金額的虛擬貨幣轉送至中介端錢包地址以達到將虛擬貨幣回收至中介端主機140的目的。在支付完成後，可如「第5B圖」所示意，在支付完成界面550顯示交易訊息，例如：付款對象、付款金額、區塊鏈交易編號(即：在訂單成立後， 執行的區塊鏈交易所產生的區塊鏈交易編號)及交易完成時間等等，而申貸端主機120亦可點選回主選單按鍵560回到主頁面(圖中未示)。 As shown in "Figure 5A" and "Figure 5B", "Figure 5A" and "Figure 5B" are schematic diagrams of the application of the present invention for consumer payment. When a credit lender purchases a product or service from the merchant host 130, it will generate an order containing the order amount based on the sales information of the merchant host 130, and the intermediary host 140 after the order is generated (also known as the order establishment), Blockchain transactions will be performed, and the virtual currency equivalent to the order amount will be transferred from the self-applied loan-end wallet address to the merchant-side wallet address. Then, when the credit lender receives the purchased goods or services, it can open the consumer payment interface 500 as shown in "Figure 5A" to pay the order amount. For example, the credit lender can enter the merchant's host 130 in the payment object block 510. Phone number or bank account number, enter the order amount in the payment amount block 520, enter the password of the borrower in the password block 530, and click the payment button 540 to make a cash payment. The intermediary host 140 considers that the order is completed after the borrower clicks the payment button 540. Therefore, the bank account of the intermediary host 140 transfers cash equivalent to the order amount to the bank account of the merchant host corresponding to the order, and when the After the cash of the order amount is successfully transferred to the bank account of the merchant host 130, a blockchain transaction is performed, and the virtual currency equivalent to the order amount is transferred from the merchant's wallet address to the intermediary wallet address. In other words, when the lender applies for an order through the application and loan host 120 and the order is established, the intermediary host 140 will execute a blockchain transaction and transfer the virtual currency equivalent to the order amount from the application and loan wallet address to the merchant's wallet address. After receiving the goods or services, the credit lender will notify the intermediary host 140 through the consumer payment interface 500 of the loan application host 120 to transfer the cash equivalent to the order amount from the designated bank account of the intermediary host 140 to the merchant host. 130 designated bank account, and then after successful transfer, perform a blockchain transaction again, and transfer the virtual currency equivalent to the order amount from the merchant's wallet address to the intermediary wallet address to achieve the recovery of the virtual currency to the intermediary host 140 purpose. After the payment is completed, the transaction information can be displayed on the payment completion interface 550, as shown in "Figure 5B", such as: payment object, payment amount, and blockchain transaction number (that is, after the order is established, The block chain transaction number generated by the executed block chain transaction) and transaction completion time, etc., and the loan application host 120 can also click the main menu button 560 to return to the main page (not shown in the figure).
如「第6A圖」及「第6B圖」所示意，「第6A圖」及「第6B圖」為應用本發明進行還款之示意圖。當申貸方欲進行還款時，可在申貸端主機120開啟還款界面600，並且在還款對象區塊610輸入還款對象、在還款金額區塊620中輸入還款金額、在密碼區塊630輸入申貸方的密碼。接著，點選還款按鍵640產生包含還款金額的還款請求並傳送至中介端主機140，所述還款金額可為部分的本金、本金或本金與利息的總和。接著，申貸方可透過各種方式，如：轉帳、電匯、現金存入等，將等同還款金額的現金存入中介端主機140的指定銀行帳戶，而當中介端主機140確認還款金額入賬時，將執行區塊鏈交易，從中介端錢包地址將等同還款金額的虛擬貨幣轉送至申貸端錢包地址，並且從中介端主機140的指定銀行帳戶轉帳等同還款金額的現金至放貸端主機110的指定銀行帳戶，以及執行區塊鏈交易，先從申貸端錢包地址將等同還款金額的虛擬貨幣轉送至放貸端錢包地址，再從放貸端錢包地址轉送至中介端錢包地址以完成虛擬貨幣的回收。此時，申貸方可開啟還款完成界面650瀏覽還款的詳細訊息，如：還款金額、還款對象、還款完成時間、剩餘金額及區塊鏈交易編號等，並且在瀏覽後點選回主選單按鍵660回到主頁面(圖中未示)。由於執行區塊鏈交易時，每筆交易資訊都會儲存在所有區塊鏈節點，所以交易資訊難以遭到竄改，並且可提供所有人追朔及驗證交易的真實性。 As shown in "Figure 6A" and "Figure 6B", "Figure 6A" and "Figure 6B" are schematic diagrams of repayment using the present invention. When the claimant wants to make a repayment, the repayment interface 600 can be opened on the loan application host 120, and the repayment object is entered in the repayment object block 610, the repayment amount is entered in the repayment amount block 620, and the password is entered. Block 630 enters the lender's password. Then, click the repayment button 640 to generate a repayment request including the repayment amount and send it to the intermediary host 140. The repayment amount may be part of the principal, the principal, or the sum of the principal and interest. Then, the loan applicant can deposit cash equivalent to the repayment amount into the designated bank account of the intermediary host 140 through various methods, such as transfer, wire transfer, cash deposit, etc., when the intermediary host 140 confirms the repayment amount into the account , Will execute the blockchain transaction, transfer the virtual currency equivalent to the repayment amount from the intermediary wallet address to the loan application wallet address, and transfer the cash equivalent to the repayment amount from the designated bank account of the intermediary host 140 to the lender end host The designated bank account of 110, and the execution of blockchain transactions, first transfer the virtual currency equivalent to the repayment amount from the application wallet address to the lender wallet address, and then from the lender wallet address to the intermediary wallet address to complete the virtual Recycling of money. At this point, the borrower can open the repayment completion interface 650 to view the details of the repayment, such as: repayment amount, repayment object, repayment completion time, remaining amount, and blockchain transaction number, etc., and click on it after browsing Return to the main menu button 660 to return to the main page (not shown in the figure). Since each transaction information is stored in all blockchain nodes when performing a blockchain transaction, the transaction information is difficult to be tampered with, and it can provide everyone to trace and verify the authenticity of the transaction.
如「第7圖」所示意，「第7圖」為應用本發明透過商家端主機進行收款之示意圖。在實際實施上，中介端主機140要從中介端主機140的指定銀行帳戶轉帳等同訂單金額的現金至商家端主機130的指定銀行帳戶之前，可在商家 端主機130顯示通知界面700以供確認訂單金額及商家端主機130的銀行帳戶是否正確。當確認按鍵710被點選代表確認無誤，於是從中介端主機140的指定銀行帳戶轉帳等同還款金額的現金至放貸端主機110的指定銀行帳戶，反之，倘若確認按鍵710未被點選，則允許點選異議按鍵720提出異議，或是在驗證商家身分後，允許點選修改按鍵730修改商家端主機130的指定銀行帳戶。 As shown in "Figure 7", "Figure 7" is a schematic diagram of receiving money through a merchant host using the present invention. In actual implementation, before the intermediary host 140 transfers cash equivalent to the order amount from the designated bank account of the intermediary host 140 to the designated bank account of the merchant host 130, the intermediary host 140 The host computer 130 displays a notification interface 700 for confirming the order amount and whether the bank account of the merchant host computer 130 is correct. When the confirmation button 710 is clicked, the representative confirms that it is correct. Then, the cash equivalent to the repayment amount is transferred from the designated bank account of the intermediary host 140 to the designated bank account of the lending host 110. Conversely, if the confirmation button 710 is not selected, then It is allowed to click the objection button 720 to raise an objection, or after verifying the merchant's identity, it is allowed to click the modify button 730 to modify the designated bank account of the merchant host 130.
綜上所述，可知本發明與先前技術之間的差異在於透過中介端主機140建立區塊鏈網路，並且產生中介端主機140、放貸端主機110、申貸端主機120及商家端主機130的錢包地址，以及直接將區塊鏈網路中的預設虛擬貨幣存入中介端主機140的錢包地址，用以在借貸及支付時，由中介端主機140確認存入放貸現金及支付訂單金額的金流後，執行區塊鏈交易以根據金流在中介端主機140、放貸端主機110、申貸端主機120及商家端主機130的錢包地址之間轉送虛擬貨幣形成交易資訊流，提供追朔及雙重驗證交易，藉由此一技術手段可以解決先前技術所存在的問題，進而達成提高借貸消費的安全性及可靠性之技術功效。 In summary, the difference between the present invention and the prior art lies in the establishment of a blockchain network through an intermediary host 140 and the generation of an intermediary host 140, a lender host 110, a loan application host 120, and a merchant host 130 Wallet address, and the default virtual currency in the blockchain network is directly deposited into the intermediary host 140's wallet address, which is used by the intermediary host 140 to confirm the deposit of lending cash and payment of the order amount when lending and paying After the gold flow, the blockchain transaction is executed to transfer virtual currency between the wallet host addresses of the intermediary host 140, the lender host 110, the loan application host 120, and the merchant host 130 according to the gold flow to form a transaction information flow, providing tracking. With the two-factor verification transaction, this technology can solve the problems of the previous technology, and then achieve the technical effect of improving the security and reliability of loan consumption.
雖然本發明以前述之實施例揭露如上，然其並非用以限定本發明，任何熟習相像技藝者，在不脫離本發明之精神和範圍內，當可作些許之更動與潤飾，因此本發明之專利保護範圍須視本說明書所附之申請專利範圍所界定者為準。 Although the present invention is disclosed in the foregoing embodiments as above, it is not intended to limit the present invention. Any person skilled in similar arts can make some modifications and retouches without departing from the spirit and scope of the present invention. The scope of patent protection shall be determined by the scope of the patent application attached to this specification.
Claims (10)
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107112807A TWI664596B (en) | 2018-04-13 | 2018-04-13 | Intermediary system for lending consumption based on blockchain and method thereof |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| TW107112807A TWI664596B (en) | 2018-04-13 | 2018-04-13 | Intermediary system for lending consumption based on blockchain and method thereof |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| TWI664596B true TWI664596B (en) | 2019-07-01 |
| TW201944329A TW201944329A (en) | 2019-11-16 |
Family
ID=68049261
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| TW107112807A TWI664596B (en) | 2018-04-13 | 2018-04-13 | Intermediary system for lending consumption based on blockchain and method thereof |
Country Status (1)
| Country | Link |
|---|---|
| TW (1) | TWI664596B (en) |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014098796A1 (en) * | 2012-12-17 | 2014-06-26 | CreditCircle Inc. | Systems and methods of an online secured loan manager |
| 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 |
| US20170301033A1 (en) * | 2016-04-18 | 2017-10-19 | R3 Ltd. | System and method for managing transactions in dynamic digital documents |
| US20180047111A1 (en) * | 2016-08-11 | 2018-02-15 | Jpmorgan Chase Bank, N.A. | Systems and methods for enhanced organizational transparency using a credit chain |
| US20180075421A1 (en) * | 2016-09-09 | 2018-03-15 | BitPagos, Inc. | Loan processing service utilizing a distributed ledger digital asset as collateral |
| TWM566363U (en) * | 2018-04-13 | 2018-09-01 | 苗華斌 | Intermediary system for lending consumption based on blockchain |
-
2018
- 2018-04-13 TW TW107112807A patent/TWI664596B/en active
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014098796A1 (en) * | 2012-12-17 | 2014-06-26 | CreditCircle Inc. | Systems and methods of an online secured loan manager |
| US20170301033A1 (en) * | 2016-04-18 | 2017-10-19 | R3 Ltd. | System and method for managing transactions in dynamic digital documents |
| US20180047111A1 (en) * | 2016-08-11 | 2018-02-15 | Jpmorgan Chase Bank, N.A. | Systems and methods for enhanced organizational transparency using a credit chain |
| US20180075421A1 (en) * | 2016-09-09 | 2018-03-15 | BitPagos, Inc. | Loan processing service utilizing a distributed ledger digital asset as collateral |
| 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 |
| TWM566363U (en) * | 2018-04-13 | 2018-09-01 | 苗華斌 | Intermediary system for lending consumption based on blockchain |
Also Published As
| Publication number | Publication date |
|---|---|
| TW201944329A (en) | 2019-11-16 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US20220122062A1 (en) | Systems and methods for facilitating transactions using a digital currency | |
| JP7336518B2 (en) | Systems and methods for facilitating transactions using digital currency | |
| US20180293553A1 (en) | Account platform for a distributed network of nodes | |
| JP6513254B2 (en) | Intermediary-mediated payment system and method | |
| US20190114706A1 (en) | Blockchain oracle for managing loans collateralized by digital assets | |
| US20170213287A1 (en) | System and method for providing a cryptographic platform for exchanging debt securities denominated in virtual currencies | |
| JP6294056B2 (en) | Decentralized capital system method, system, computer system, non-volatile computer readable medium, computer readable medium | |
| JP2020536322A (en) | Transaction privacy in public distributed ledger system | |
| JP2019061716A (en) | Broker-mediated payment system and method | |
| KR102119963B1 (en) | Transaction system and method for real estate and cryptocurrency using blockchain technology | |
| JP2021528797A (en) | Blockchain-based methods, devices, and systems for accelerating transaction processing | |
| TWM566363U (en) | Intermediary system for lending consumption based on blockchain | |
| KR101975802B1 (en) | Peer to peer lending management system of financial agency | |
| Surekha et al. | Leveraging blockchain technology for internet of things powered banking sector | |
| KR101931802B1 (en) | Transaction system and method of a debt right of receipt | |
| JP2007293867A (en) | Internet system integrated to mediate financial loan, merchandise purchase and service providing | |
| US11973764B2 (en) | System for source independent but source value dependent transfer monitoring | |
| TWI664596B (en) | Intermediary system for lending consumption based on blockchain and method thereof | |
| TWM614046U (en) | Debt issuance and management system | |
| KR102220296B1 (en) | Transaction system and method of a debt right of receipt using a not affiliated peer-to-peer enterprise | |
| KR20210071335A (en) | Mediation system and method for loan contract between individual using block chain | |
| US20070162382A1 (en) | System and method for transferring funds from the united states to nationals in ofac-regulated countries | |
| TWI818171B (en) | Multi-party loan consumption system based on blockchain and smart contract and method thereof | |
| KR102233767B1 (en) | Transaction system and method of a debt right of receipt using intergrated receipt of principal and proceeds | |
| US20240152887A1 (en) | Digital asset-based interaction system with one or more staked distributed ledger technology (dlt) networks |