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CO2020000009A2 - Red de crédito basada en contrato inteligente - Google Patents

Red de crédito basada en contrato inteligente

Info

Publication number
CO2020000009A2
CO2020000009A2 CONC2020/0000009A CO2020000009A CO2020000009A2 CO 2020000009 A2 CO2020000009 A2 CO 2020000009A2 CO 2020000009 A CO2020000009 A CO 2020000009A CO 2020000009 A2 CO2020000009 A2 CO 2020000009A2
Authority
CO
Colombia
Prior art keywords
credit
computing devices
smart contract
borrower
lender
Prior art date
Application number
CONC2020/0000009A
Other languages
English (en)
Inventor
Sebastian Serrano
Luciana Marcela Gruszeczka
David Garcia
Original Assignee
Ripio Int Sezc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ripio Int Sezc filed Critical Ripio Int Sezc
Publication of CO2020000009A2 publication Critical patent/CO2020000009A2/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

RESUMEN Un sistema incluye los dispositivos informáticos de la red de crédito acoplados a dispositivos informáticos del proveedor de cartera y dispositivos informáticos de intercambio de crédito. Los dispositivos informáticos del proveedor de cartera reciben una solicitud de crédito para un préstamo que tiene términos de crédito del prestatario; generan un contrato inteligente que incluye la información sobre el prestatario y los términos de crédito; y comunican el contrato inteligente a los dispositivos informáticos de la red de crédito. Los dispositivos informáticos de la red de crédito reciben una indicación de que el cosignatario acepta firmar conjuntamente la solicitud de crédito en nombre del prestatario; y comunican el contrato inteligente que representa las solicitudes de crédito a los dispositivos informáticos de intercambio de crédito. Los dispositivos informáticos de intercambio de crédito colocan el contrato inteligente que representa la solicitud de crédito en el libro de pedidos. Los dispositivos informáticos de intercambio de crédito reciben una orden comercial para el contrato inteligente que representa la solicitud de crédito desde el prestamista. Los dispositivos informáticos de intercambio de crédito determinan si la orden comercial para el prestamista coincide con los términos de crédito del contrato inteligente que representa la solicitud de crédito; y ejecutan el préstamo entre el prestatario, el cosignatario y el prestamista cuando la orden comercial para el prestamista coincide con los términos de crédito del contrato inteligente que representa la solicitud de crédito.
CONC2020/0000009A 2017-07-05 2020-01-02 Red de crédito basada en contrato inteligente CO2020000009A2 (es)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201762528844P 2017-07-05 2017-07-05
PCT/US2018/040953 WO2019010331A1 (en) 2017-07-05 2018-07-05 CREDIT NETWORK BASED ON INTELLIGENT CONTRACT

Publications (1)

Publication Number Publication Date
CO2020000009A2 true CO2020000009A2 (es) 2020-04-24

Family

ID=64950375

Family Applications (1)

Application Number Title Priority Date Filing Date
CONC2020/0000009A CO2020000009A2 (es) 2017-07-05 2020-01-02 Red de crédito basada en contrato inteligente

Country Status (10)

Country Link
US (1) US20200184553A1 (es)
EP (1) EP3649609A4 (es)
JP (1) JP7252951B2 (es)
KR (1) KR102667257B1 (es)
CN (1) CN110998641A (es)
BR (1) BR112020000043A2 (es)
CL (1) CL2020000012A1 (es)
CO (1) CO2020000009A2 (es)
PE (1) PE20200657A1 (es)
WO (1) WO2019010331A1 (es)

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US11475419B2 (en) * 2018-04-30 2022-10-18 Robert Dale Beadles Universal subscription and cryptocurrency payment management platforms and methods of use
CA3061594A1 (en) * 2018-11-14 2020-05-14 Royal Bank Of Canada System and method for cross-border blockchain platform
RU2019100558A (ru) * 2019-01-14 2020-07-15 Дмитрий Владимирович Вихорев Способ и система для обеспечения кредитной сделки между владельцем криптокошелька и кредитным банком
US20200265511A1 (en) * 2019-02-19 2020-08-20 Adp, Llc Micro-Loan System
DE102019005116A1 (de) * 2019-07-23 2021-01-28 Daimler Ag Verfahren zum Handeln von Kryptowährungen
CN110555593B (zh) * 2019-07-31 2023-03-07 创新先进技术有限公司 信用合约体系下的发约处理方法以及装置
US11636094B2 (en) 2019-10-16 2023-04-25 International Business Machines Corporation Chaincode recommendation based on existing chaincode
US20210133873A1 (en) 2019-11-04 2021-05-06 Tellus App, Inc. Architecture for creation, publication, and distributed investment of property-backed vehicles
US20210398091A1 (en) 2020-06-22 2021-12-23 TraDove, Inc. Systems and methods for streamlining credit and/or debit card transactions utilizing blockchain supported credit tokens and/or debit tokens
CN111667371B (zh) * 2020-06-30 2021-08-06 腾讯科技（深圳）有限公司 基于区块链的资源聚合方法、系统、设备及存储介质
US20230043702A1 (en) * 2020-07-27 2023-02-09 New York Digital Investment Group Multi-modal routing engine and processing architecture for currency orchestration of transactions
JP7574014B2 (ja) * 2020-08-06 2024-10-28 株式会社デジタルアセットマーケッツ 情報システム、情報処理装置、情報処理方法、およびプログラム
CN112308700A (zh) * 2020-10-22 2021-02-02 北京通付盾人工智能技术有限公司 企业征信数据的处理方法、装置、计算机设备和存储介质
CN112561624B (zh) * 2020-11-06 2024-01-05 国网安徽省电力有限公司信息通信分公司 一种基于区块链的多维度因子的动态信用评价方法及系统
CN112651735A (zh) * 2020-12-10 2021-04-13 前海飞算科技(深圳)有限公司 支付渠道的选择方法、装置、计算机设备及存储介质
CN112651731A (zh) * 2020-12-30 2021-04-13 南方电网数字电网研究院有限公司 资源转移方法、装置、计算机设备和存储介质
CN113221989B (zh) * 2021-04-30 2022-09-02 浙江网商银行股份有限公司 基于分布式的评估模型训练方法、系统以及装置
EP4099246A1 (en) * 2021-05-31 2022-12-07 Billon Sp. z o.o. A system and method for trading cryptocurrencies, tokenized assets and/or fiat currencies on a single distributed ledger system with multiple issuing institutions
CN113538122A (zh) * 2021-07-22 2021-10-22 上海盛付通电子支付服务有限公司 一种用于借用资源的方法、设备、介质及程序产品
CN113744041B (zh) * 2021-08-04 2024-05-10 南方电网科学研究院有限责任公司 一种智能合约信贷撮合方法、系统、计算机设备和介质
CN113554510A (zh) * 2021-08-05 2021-10-26 百维金科(上海)信息科技有限公司 一种贷款用户违约实时监控系统
CN113628052B (zh) * 2021-08-18 2025-01-03 杭州云象网络技术有限公司 基于预言机的区块链资产与合约处理方法、系统及装置
US12400218B2 (en) * 2021-09-14 2025-08-26 Credit.Com Holdings, Llc Non-fungible tokenized contract embedded in a blockchain
CN117350718B (zh) * 2022-10-17 2024-08-27 刘文皓 一种数字人民币履约系统及方法
CN116645197B (zh) * 2023-06-05 2023-11-03 苏银凯基消费金融有限公司 基于分布式自动化的消费金融产品服务构建方法

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Also Published As

Publication number Publication date
US20200184553A1 (en) 2020-06-11
CL2020000012A1 (es) 2020-08-14
KR20200016389A (ko) 2020-02-14
PE20200657A1 (es) 2020-06-11
JP7252951B2 (ja) 2023-04-05
JP2020528631A (ja) 2020-09-24
EP3649609A4 (en) 2020-11-04
EP3649609A1 (en) 2020-05-13
KR102667257B1 (ko) 2024-05-21
BR112020000043A2 (pt) 2020-09-29
WO2019010331A1 (en) 2019-01-10
CN110998641A (zh) 2020-04-10

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