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WO2020062642A1 - Procédé, dispositif et équipement à base de chaîne de blocs pour signer des documents électroniques, et support d'informations - Google Patents

Procédé, dispositif et équipement à base de chaîne de blocs pour signer des documents électroniques, et support d'informations Download PDF

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Publication number
WO2020062642A1
WO2020062642A1 PCT/CN2018/122743 CN2018122743W WO2020062642A1 WO 2020062642 A1 WO2020062642 A1 WO 2020062642A1 CN 2018122743 W CN2018122743 W CN 2018122743W WO 2020062642 A1 WO2020062642 A1 WO 2020062642A1
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WO
WIPO (PCT)
Prior art keywords
electronic contract
information
encrypted
contract
loan
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/CN2018/122743
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English (en)
Chinese (zh)
Inventor
江波
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
OneConnect Smart Technology Co Ltd
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OneConnect Smart Technology Co Ltd
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 OneConnect Smart Technology Co Ltd filed Critical OneConnect Smart Technology Co Ltd
Publication of WO2020062642A1 publication Critical patent/WO2020062642A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • 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
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/18—Legal services

Definitions

  • the present application relates to the field of information security technology, and in particular, to a method, a device, a device, and a storage medium for signing an electronic contract based on a blockchain.
  • CA certificate authority that maintains digital certificates. Authority
  • Ukey electronic key
  • the electronic contract platform can only be based on the moral trust of the notary office, and it cannot technically provide a reliable guarantee.
  • the main purpose of this application is to provide a method, device, equipment, and storage medium for signing an electronic contract based on a blockchain, which aims to solve the technical problems that the prior art electronic contract signing process is not convenient and the contract content is easily tampered with.
  • this application provides a method for signing an electronic contract based on a blockchain.
  • the method includes the following steps: in response to a contract signing application triggered by a user terminal, obtaining user information uploaded by the user terminal, and a credit institution selected by the user; Identification code and loan business type; find the electronic contract template that matches the loan business type in the pre-stored electronic contract template library, and find the credit institution information that matches the credit institution's identification code in the pre-stored credit institution information database; according to the preset Rules, enter user information and credit institution information into the electronic contract template to obtain the electronic contract to be encrypted; based on the blockchain, encrypt the encrypted electronic contract to obtain an encrypted electronic contract; and issue the encrypted electronic contract to the user terminal and The contract management platform of the credit institution, and received feedback to confirm the contract signing instructions, confirming the completion of the electronic contract signing.
  • the present application also proposes an electronic contract signing device based on a blockchain.
  • the device includes: an acquisition module, configured to respond to a contract signing application triggered by a user terminal, and obtain user information and users uploaded by the user terminal.
  • this application also proposes a blockchain-based electronic contract signing device, which includes: a memory, a processor, and a blockchain-based electronic contract stored on the memory and capable of running on the processor. Signed readable instructions.
  • Blockchain-based electronic contract signing readable instructions are configured to implement the steps of the blockchain-based electronic contract signing method as described above.
  • the present application also proposes a storage medium.
  • the storage medium stores readable instructions signed by the electronic contract based on the blockchain, and the readable instructions signed by the electronic contract based on the blockchain are executed by the processor. To implement the steps of the blockchain-based electronic contract signing method as described above.
  • the method, device, equipment and storage medium of the electronic contract signing based on the blockchain in this embodiment by pre-storing electronic contract templates and related information of credit institutions that match various types of loan business, in the process of electronic contract signing
  • an electronic contract to be encrypted can be obtained, and the entire process is convenient and concise.
  • this application uses the encryption principle of the blockchain to encrypt the content of the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. It ensures that the electronic contract will not be tampered with randomly during the process of issuing to the contract parties, and effectively guarantees the security and reliability of the contract content.
  • FIG. 1 is a schematic structural diagram of a blockchain-based electronic contract signing device in a hardware operating environment according to an embodiment of the present application
  • FIG. 2 is a schematic flowchart of a first embodiment of a method for signing an electronic contract based on a blockchain in this application;
  • FIG. 3 is a schematic flowchart of a second embodiment of a method for signing an electronic contract based on a blockchain based on this application;
  • FIG. 4 is a structural block diagram of a first embodiment of an electronic contract signing device based on a blockchain in this application.
  • the blockchain-based electronic contract signing device may include: a processor 1001, such as a central processing unit (Central Processing Unit (CPU), communication bus 1002, user interface 1003, network interface 1004, and memory 1005.
  • the communication bus 1002 is used to implement connection and communication between these components.
  • the user interface 1003 may include a display, an input unit such as a keyboard, and the optional user interface 1003 may further include a standard wired interface and a wireless interface.
  • the network interface 1004 may optionally include a standard wired interface and a wireless interface (such as a WIreless-FIdelity (WI-FI) interface).
  • WI-FI WIreless-FIdelity
  • the memory 1005 may be a high-speed random access memory (Random Access Memory (RAM) memory, or non-volatile memory (Non-Volatile) Memory (NVM), such as disk storage.
  • RAM Random Access Memory
  • NVM Non-Volatile Memory
  • the memory 1005 may optionally be a storage device independent of the foregoing processor 1001.
  • FIG. 1 does not constitute a limitation on a blockchain-based electronic contract signing device, and may include more or fewer components than shown, or a combination of some components, or Different component arrangements.
  • the memory 1005 as a storage medium may include an operating system, a network communication module, a user interface module, and a blockchain-based electronic contract signing program (that is, a readable and signed electronic contract based on the blockchain is readable). instruction).
  • FIG. 2 is a schematic flowchart of a first embodiment of a method for signing an electronic contract based on a blockchain.
  • a method for signing an electronic contract based on a blockchain includes the following steps:
  • Step S10 in response to the contract signing application triggered by the user terminal, acquiring user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan service type.
  • the execution subject in this embodiment may specifically be a third-party platform (hereinafter referred to as an electronic contract platform) specifically for electronic contract signing, that is, all enterprises and enterprises, enterprises
  • an electronic contract platform specifically for electronic contract signing, that is, all enterprises and enterprises, enterprises
  • the contracts that need to be signed with individuals, individuals and individuals can be completed through this platform, and the parties to the transaction only need to pay a small fee, without any technical investment.
  • the electronic contract platform can also be specially constructed by credit institutions that provide credit services, mainly used to complete the signing of contracts between credit institutions and customers.
  • the obtained user information may specifically include the user ’s name, ID card number, mobile phone number, common email address, instant messaging account (such as QQ, WeChat, etc.), home address, and designated loan issuing account number (that is, Loan account number) and designated loan repayment account numbers, etc., are not listed here one by one, and there are no restrictions on this.
  • those skilled in the art can reasonably set the filtering of the information to be obtained according to needs. Field.
  • the user information may further include biometric information such as the user's face image information, voiceprint information, and iris information.
  • the contract platform needs to verify the user information, and only after the user information is determined to be valid, does the subsequent electronic contract signing operation be performed.
  • the first biometric information of the user corresponding to the identification number is obtained from the citizenship information system, such as face image information, Voiceprint information, iris information, etc.
  • the above-mentioned citizenship information system refers specifically to an information system used by the public security department to store basic identity information and biometric information of users when applying for an identity card for citizens.
  • the biometric acquisition instruction issued by the electronic contract platform to the user terminal specifically controls the user terminal to call a built-in image acquisition device or an external communication connection.
  • the image acquisition device collects the iris image of the user who initiated the contract signing application and extracts the iris information of the user who initiated the contract signing application from the captured iris image according to the corresponding iris extraction technology as the second biometric information.
  • the electronic contract platform may issue various random action instructions to the user's user terminal, so that the user can perform corresponding actions or speak corresponding content according to the random action instructions, thereby Avoid others using photos or recordings to impersonate users, causing unnecessary financial losses to users and credit institutions.
  • the above-mentioned identification number of the credit structure may specifically be an industrial and commercial registration number of a credit institution, or other identification numbers that can identify the uniqueness of a credit institution, which are not listed here one by one, and there is no restriction on this.
  • loan business mentioned above can be various types of loan business types such as house purchase loan, car purchase loan, student loan, etc. They are not listed here one by one, and there are no restrictions on this.
  • Step S20 Look up an electronic contract template that matches the type of loan business in the pre-stored electronic contract template library, and look up credit institution information that matches the identification code of the credit institution in the pre-stored credit institution information database.
  • an electronic contract template matching the loan business type is found in the electronic contract template library.
  • the first mapping relationship table mentioned herein is mainly used to store the correspondence between the loan business type and the electronic contract template.
  • the corresponding electronic contract template should display various information in the house purchase transaction, such as the address of the house to be purchased, the developer, the total amount of the loan, the designated loan account number, and repayment.
  • the account number, interest, loan period, etc. are not listed here one by one, and there are no restrictions on this.
  • the credit institution information that matches the identification code of the credit institution is found in the credit institution information database.
  • the second mapping relationship table mentioned herein is mainly used to store the correspondence between the identification code of the credit institution and the credit institution information.
  • the above-mentioned identification code should be an identification code that can uniquely identify a credit institution, such as a formula registration number of a credit institution.
  • Step S30 Enter user information and credit institution information into an electronic contract template according to a preset rule to obtain an electronic contract to be encrypted.
  • the above-mentioned preset rules are pre-set filling rules that need to be followed during the electronic contract signing process, that is, which area in the electronic contract template is required to fill in the user's name, ID number, contact Phone, designated loan issuing account number and designated loan repayment account number, which area is required to fill in credit institution information, and which area is required to fill in information such as loan amount and loan period.
  • Step S40 The encrypted electronic contract is encrypted based on the blockchain to obtain an encrypted electronic contract.
  • step S40 can be specifically implemented by the following steps:
  • Step 1 Assign a block serial number to the electronic contract to be encrypted, and assign a corresponding serial number to all characters in the electronic contract to be encrypted.
  • serial number is mainly used to identify the position of the character corresponding to the serial number in the electronic contract to be encrypted.
  • Step 2 Assign random parameters to each character according to the block serial number and the serial number of each character.
  • Step 3 Calculate the cyclic redundancy check code of each character according to the coding rules of the cyclic redundancy check code.
  • Step 4 traverse each character in the encrypted electronic contract, calculate the fixed code of the current character according to the block serial number, the traversed current character, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character, and Encrypt the current character according to the fixed code and random parameters corresponding to the current character to obtain the encrypted character of the current character.
  • the encryption algorithm used may specifically be a data encryption algorithm (Data Encryption Algorithm (DEA).
  • DEA Data Encryption Algorithm
  • the encryption of the content of the electronic contract in this case does not limit the encryption algorithm, it treats the encrypted electronic contract through the combination and arrangement of the above various parameters, so that the security of the content of the electronic contract can be guaranteed no matter what encryption algorithm is used Therefore, the specific implementation of various encryption algorithms will not be repeated here.
  • a block serial number is assigned to the electronic contract to be encrypted, and then all characters in the electronic contract to be encrypted are assigned corresponding serial numbers, random parameters, and cyclic redundancy check codes and The fixed code is then used to encrypt the entire electronic contract file by encrypting each character. Therefore, even if the encrypted electronic contract is intercepted by others during the distribution process, it will not be able to obtain the decryption information of each character. The decryption of the characters effectively guarantees the security of the contract content.
  • this case encrypts each character instead of encrypting the entire text at one time, so that the typesetting and format of the electronic contract will not be affected by the encryption process, and the electronic contract after decryption will not be damaged.
  • Step 5 Obtain the encrypted characters corresponding to each character in turn, and generate an encrypted electronic contract based on all the obtained encrypted characters.
  • the obtained encrypted characters are sorted according to the original serial number of each character to obtain an encrypted electronic contract; or, according to a preset random arrangement rule, the encrypted characters are randomly arranged to obtain an encrypted electronic contract.
  • the implementation manner can be set by a person skilled in the art according to requirements, and there is no limitation this time.
  • Step S50 The encrypted electronic contract is sent to the user terminal and the contract management platform of the credit institution, and the feedback confirms the contract signing instruction to confirm that the electronic contract is signed.
  • the contract management platform of a credit institution can be a server built by a credit institution and used to store various electronic contracts.
  • the electronic contract platform will receive the confirmation of the contract signing instructions from both parties to the contract, that is, after reviewing the contract, the two parties determine that there is no objection This contract can take effect and has legal effects.
  • time threshold specifically refers to the fact that an electronic contract needs to be signed within a reasonable period of time from signing to entry into force. Otherwise, if either party to the contract forgets the contract for personal reasons, but This electronic contract has been waiting for confirmation, which will undoubtedly cause a waste of electronic contract platform resources.
  • each encrypted character in the encrypted electronic contract is traversed, and the fixed code corresponding to the current encrypted character traversed is obtained according to the displayable character code table and the remainder operation rule stored in a storage area inaccessible to the user in advance.
  • the displayable character code table in this embodiment may specifically be an American Standard Code for Information Interchange (American Standard Code for Information Interchange (ASCII) table, the character codes stored therein are specifically ACSII codes.
  • ASCII American Standard Code for Information Interchange
  • the ACSII code table can be regularly updated as needed.
  • those skilled in the art can Set, there are no restrictions here.
  • the pre-encrypted character referred to here is an encrypted character located one digit before the current encrypted character
  • the cyclic redundancy check code of the pre-encrypted character is the cyclic redundancy check code of the previous encrypted character.
  • the inverse operation is performed on the fixed code, the block serial number, the serial number of the current encrypted character, and the cyclic redundancy check code of the previous encrypted character to obtain the original character corresponding to the currently encrypted character.
  • electronic contract templates and related information of credit institutions that match various types of loan business are stored in advance, so that during the process of electronic contract signing, only the user information and users uploaded by the user terminal need to be uploaded according to preset rules.
  • the relevant information of the selected credit institution is entered into the electronic contract template, and an electronic contract to be encrypted can be obtained, and the whole process is convenient and concise.
  • this embodiment uses the encryption principle of the blockchain to encrypt the content in the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. This ensures that the electronic contract will not be tampered with randomly during the process of being issued to both parties to the contract, effectively ensuring the security and reliability of the contract content.
  • FIG. 3 is a schematic flowchart of a second embodiment of a method for signing an electronic contract based on a blockchain.
  • the method for signing an electronic contract based on a blockchain in this embodiment after step S50 further includes:
  • Step S60 Monitor the flow of the loan amount in the loan account carried in the user information to ensure that the loan amount is dedicated.
  • monitoring the flow of the loan amount in the loan account carried in the user information to ensure the special operation of the loan amount can be achieved by the following steps:
  • Step 1 Receive the loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extract the receiving account number from the loan amount expenditure confirmation application.
  • the loan account referred to here is specifically a bank account for receiving loans from a credit institution that is reserved when a user applies for a loan.
  • the loan amount expenditure confirmation application is specifically generated when the user uses the loan account to make a payment transaction based on the transaction content, such as the purchased product information, the merchant's designated payment account (traditional bank card number or electronic wallet, etc.), and the total price of the product. of. Therefore, after receiving the loan amount expenditure confirmation application for the loan account uploaded by the user terminal, the electronic contract platform can extract the loan account number from the loan amount expenditure confirmation application.
  • Step 2 Obtain account information corresponding to the receiving account according to the receiving account.
  • the electronic contract platform can obtain the account information corresponding to the bank card number through the banking system with which it is established, such as the account bank and account holder information.
  • the account holder information may specifically be the legal person information of the public channel; when the bank card number is the account of an individual user, the account holder information is the personal information of the card holder .
  • the information corresponding to the card number may also include the enterprise's tax number, business registration number, credit code, address and other information.
  • the enterprise's tax number may also include the enterprise's tax number, business registration number, credit code, address and other information.
  • it is not listed here one by one, and there are no restrictions on this.
  • those skilled in the art can reasonably set the filtering fields of the information to be obtained according to the needs.
  • the electronic contract platform can use the existing web crawler technology to obtain corresponding registration information, such as account holder information, contact information, and address, etc., which are not listed here one by one. There are no restrictions on this.
  • Step 3 Determine whether the type of loan business matches the type of business carried in the account information.
  • step 4 if it is determined that the type of loan business matches the type of business carried in the account information, step 4 is performed; otherwise, step 5 is performed.
  • Step 4 If the type of loan business matches the type of business carried in the account information, agree to the loan amount expense confirmation application.
  • Step 5 If the type of loan business does not match the type of business carried in the account information, the application for confirmation of loan amount expenditure is rejected.
  • the type of loan business selected by the user is a student loan
  • the receiving account number for the transaction is the account number of a shopping platform
  • the type of business carried in the account information corresponding to the account number is the shopping type.
  • the electronic contract platform will issue a rejection application for the loan amount to the user terminal. Remit a receiving account.
  • the loan business type and account number can be determined.
  • the type of business carried in the information is matched, so the electronic contract platform will issue a user's terminal to confirm the loan amount expenditure confirmation application, so that the loan amount is remitted from the loan account to the receiving account.
  • the completion of the electronic contract is determined, by monitoring the flow of the loan amount in the loan account carried in the user information after determining that the electronic contract is signed, when the type of the loan business does not match the type of the enterprise corresponding to the account number in the transaction process,
  • the refusal of the loan amount flows from the loan account to the receiving account, thereby limiting the lender's strict compliance with the provisions of the electronic contract and making the loan amount applied for special purpose, which can greatly reduce the risk of credit agency credit losses.
  • the electronic contract platform in order to further ensure the reliability of the electronic contract, after confirming that the electronic contract is signed, the electronic contract platform can publish the electronic contract to a blockchain-based server for storage. This guarantees the security and credibility of the electronic contract, while avoiding the parties to modify the content of the contract at will, it can also effectively prevent illegal users from misappropriating the electronic contract (this is because if you want to attack the server, hackers need to decipher 5% Eleven blocks are costly and almost impossible to achieve).
  • the aforementioned non-volatile readable storage medium may be a read-only memory, a magnetic disk, or an optical disk.
  • FIG. 4 is a structural block diagram of a first embodiment of an electronic contract signing device based on a blockchain in this application.
  • the electronic contract signing device based on the blockchain proposed in the embodiment of the present application includes an acquisition module 4001, a search module 4002, a generation module 4003, an encryption module 4004, and a determination module 4005.
  • the obtaining module 4001 is configured to obtain user information uploaded by the user terminal, an identification code of a credit institution selected by the user, and a loan service type in response to a contract signing application triggered by the user terminal.
  • a search module 4002 is configured to search an electronic contract template matching a loan business type in a pre-stored electronic contract template library, and search for credit institution information matching a credit institution identification code in a pre-stored credit institution information database.
  • the operation performed by the search module 4002 can be detailed into the following steps: according to a pre-built first mapping relationship table, find an electronic contract template that matches the loan business type in the electronic contract template library; according to the pre-built The second mapping relationship table searches the credit institution information database for credit institution information that matches the identification code of the credit institution.
  • the first mapping relationship table mentioned here is mainly used to store the correspondence between the loan business type and the electronic contract template
  • the second mapping relationship table is mainly used to store the identification number of the credit institution and the credit institution. Correspondence between information.
  • a generating module 4003 is configured to input user information and credit institution information into an electronic contract template according to a preset rule to obtain an electronic contract to be encrypted.
  • An encryption module 4004 is used to encrypt an electronic contract to be encrypted based on a blockchain to obtain an encrypted electronic contract.
  • the operations performed by the encryption module 4004 can be detailed into the following steps: assign a block serial number to the electronic contract to be encrypted, and assign corresponding serial numbers to all characters in the electronic contract to be encrypted. To identify the position of the corresponding character in the electronic contract to be encrypted; assign random parameters to each character according to the block serial number and the serial number of each character; calculate the character of each character according to the encoding rules of the cyclic redundancy check code Cyclic redundancy check code; traverse each character in the encrypted electronic contract, and calculate the current character based on the block serial number, the current character traversed, the cyclic redundancy check code of the current character, and the serial number corresponding to the current character.
  • a fixed code, and the current character is encrypted according to the fixed code and random parameters corresponding to the current character to obtain the encrypted character of the current character; the encrypted characters corresponding to each character are sequentially obtained, and an encrypted electronic contract is generated based on all the encrypted characters obtained.
  • a determining module 4005 is configured to send the encrypted electronic contract to the contract management platform of the user terminal and the credit institution, respectively, and receive the confirmation of the contract signing instruction to confirm that the electronic contract is signed.
  • the operation performed by the determination module 4005 can be detailed into the following steps: receiving the first confirmation contract signing instruction fed back by the user terminal, and recording the first time when the first confirmation contract signing instruction is received; Receive the second confirmation contract signing instruction feedback from the contract management platform, and record the second time when the second confirmation contract signing instruction is received; determine that the first time and the second time do not exceed the time threshold, and confirm that the electronic contract signing is completed.
  • the electronic contract signing device based on the blockchain provided in this embodiment also A user information verification module may be included.
  • the user information verification module mainly determines that the user information is valid by: first, obtaining the first user of the user corresponding to the identity identification number according to the identification number carried in the user information to identify the user identity; Biometric information; then, send a biometric feature collection instruction to the user terminal, so that the user terminal collects the second biometric information of the user who initiated the contract signing application according to the biometric collection instruction; Information, comparing the second biometric information with the first biometric information; finally, if the second biometric information matches the first biometric information, it is determined that the user information is valid.
  • the electronic contract signing device based on the blockchain provided in this embodiment stores electronic contract templates and related information of credit institutions that match various types of loan business in advance, thereby performing electronic contract signing.
  • the entire process is convenient and concise.
  • this embodiment uses the encryption principle of the blockchain to encrypt the content in the obtained electronic contract to be encrypted to obtain an encrypted electronic contract. This ensures that the electronic contract will not be tampered with randomly during the process of being issued to both parties to the contract, effectively ensuring the security and reliability of the contract content.
  • the blockchain-based electronic contract signing device further includes a monitoring module, which is used to monitor the flow of the loan amount in the loan account carried in the user information to ensure the exclusive use of the loan amount.
  • the operation of the monitoring module to monitor the flow of the loan amount in the loan account carried in the user information may specifically include: receiving a loan amount expenditure confirmation application for the loan account uploaded by the user terminal, and extracting a receiving account number from the loan amount expenditure confirmation application; Obtain the account information corresponding to the beneficiary account according to the beneficiary account; determine whether the type of loan business matches the type of business carried in the account information; if the type of loan business matches the type of business carried in the account information, agree to the loan amount expenditure confirmation application ; If the type of loan business does not match the type of business carried in the account information, the application for confirmation of loan amount expenditure is rejected.
  • the completion of the electronic contract is determined, by monitoring the flow of the loan amount in the loan account carried in the user information after determining that the electronic contract is signed, when the type of the loan business does not match the type of the enterprise corresponding to the account number in the transaction process,
  • the refusal of the loan amount flows from the loan account to the receiving account, thereby limiting the lender's strict compliance with the provisions of the electronic contract and making the loan amount applied for special purpose, which can greatly reduce the risk of credit agency credit losses.

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Abstract

La présente invention concerne un procédé, un dispositif et un équipement à base de chaîne de blocs pour signer des documents électroniques, et un support d'informations. Le procédé consiste : à acquérir, en réponse au déclenchement d'une application de signature de contrat par un terminal utilisateur, des informations d'utilisateur téléversées par le terminal utilisateur, un code d'identification d'une institution de crédit, et un type d'entreprise de prêt ; à rechercher un modèle de contrat électronique correspondant au type d'entreprise de prêt dans une base de données de modèles de contrat électroniques préenregistrés, à rechercher des informations d'institution de crédit correspondant au code d'identification de l'institution de crédit dans une base de données d'informations d'institution de crédit préenregistrées ; à entrer les informations d'utilisateur et les informations d'institution de crédit dans le modèle de contrat électronique pour produire un contrat électronique à chiffrer ; sur la base d'une chaîne de blocs, à chiffrer le contrat électronique à chiffrer pour produire un contrat électronique chiffré ; à fournir le contrat chiffré respectivement au terminal utilisateur et à une plateforme de gestion de contrat, à recevoir une instruction de confirmation de signature de contrat qui est renvoyée, et à déterminer que le contrat électronique est signé.
PCT/CN2018/122743 2018-09-27 2018-12-21 Procédé, dispositif et équipement à base de chaîne de blocs pour signer des documents électroniques, et support d'informations Ceased WO2020062642A1 (fr)

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CN201811136758.2A CN109409876A (zh) 2018-09-27 2018-09-27 基于区块链的电子合同签署方法、装置、设备及存储介质
CN201811136758.2 2018-09-27

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CN115640593A (zh) * 2022-11-09 2023-01-24 山东浪潮爱购云链信息科技有限公司 一种基于采购协议的线上合同签署方法、设备及介质
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CN116258450A (zh) * 2022-12-30 2023-06-13 中国工商银行股份有限公司 资金监管系统、方法、装置、存储介质及电子设备
CN115795523A (zh) * 2023-02-13 2023-03-14 水发大正科技服务有限公司 基于金融大数据的贷款信息加密管理平台
CN116389005B (zh) * 2023-04-11 2024-02-06 重庆易保全网络科技有限公司 一种基于分布式多存储节点的电子签约方法及签约系统
CN116389005A (zh) * 2023-04-11 2023-07-04 重庆易保全网络科技有限公司 一种基于分布式多存储节点的电子签约方法及签约系统
CN117077194A (zh) * 2023-08-08 2023-11-17 重庆傲雄在线信息技术有限公司 一种跨平台实现电子文件签署的方法、系统、设备及介质
CN117271528A (zh) * 2023-11-16 2023-12-22 佳瑛科技有限公司 一种基于区块链技术的表格关键字符储存方法及系统
CN117271528B (zh) * 2023-11-16 2024-02-06 佳瑛科技有限公司 一种基于区块链技术的表格关键字符储存方法及系统
CN117592973A (zh) * 2024-01-11 2024-02-23 金华青鸟计算机信息技术有限公司 基于数据的管理方法、装置、存储介质、电子设备
CN117592973B (zh) * 2024-01-11 2024-04-02 金华青鸟计算机信息技术有限公司 基于数据的管理方法、装置、存储介质、电子设备

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