Title:
LOAN APPROVAL METHOD AND APPARATUS BASED ON BLOCKCHAIN, NON-VOLATILE READABLE STORAGE MEDIUM AND ELECTRONIC DEVICE
Document Type and Number:
WIPO Patent Application WO/2020/082672
Kind Code:
A1
Abstract:
A loan approval method and apparatus based on a blockchain, a non-volatile readable storage medium and an electronic device. The method is applied to a blockchain network storing credit authentication information of a loan manager, and comprises: receiving a loan approval request sent by the loan manager (S110); acquiring, from the loan approval request, identity authentication information of the loan manager (S120); acquiring, from the blockchain network, credit authentication information associated with the identity authentication information (S130); and generating loan approval information according to the credit authentication information, wherein the loan approval information comprises a loan approval result for the loan approval request (S140). The use of blockchain technology for storing the identity authentication information of loan managers can provide loan approval credentials for financial institutions, so as to facilitate the identification of loan applications with fraud risks, thereby reducing loan risks and reducing bad debt rates.
Inventors:
ZHANG QI (CN)
WANG JUNTAO (CN)
QIU HAN (CN)
WANG JUNTAO (CN)
QIU HAN (CN)
Application Number:
PCT/CN2019/079037
Publication Date:
April 30, 2020
Filing Date:
March 21, 2019
Export Citation:
Assignee:
ONE CONNECT SMART TECH CO LTD SHENZHEN (CN)
International Classes:
G06Q40/02
Foreign References:
| CN109472690A | 2019-03-15 | |||
| CN108492175A | 2018-09-04 | |||
| CN108492175A | 2018-09-04 | |||
| CN107040384A | 2017-08-11 | |||
| CN107657525A | 2018-02-02 | |||
| KR20180113229A | 2018-10-16 |
Attorney, Agent or Firm:
SHENZHEN LUNGTIN LIANDING INTELLECTUAL PROPERTY AGENT LTD. (CN)
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