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1. (WO2019042434) METHOD AND DEVICE FOR BLOCKCHAIN-BASED CREDIT CHECK
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Pub. No.: WO/2019/042434 International Application No.: PCT/CN2018/103640
Publication Date: 07.03.2019 International Filing Date: 31.08.2018
IPC:
G06Q 40/02 (2012.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40
Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02
Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants:
立旃(上海)科技有限公司 LI ZHAN (SHANGHAI) TECHNOLOGY CO., LTD. [CN/CN]; 中国上海市 金山工业区亭卫公路6558号5幢5123室 Room 5123, Building 5, Tingwei Road 6558, Jinshan Industrial Zone Shanghai 200540, CN
Inventors:
李立中 LI, Lizhong; CN
Agent:
北京亿腾知识产权代理事务所 E-TONE INTELLECTUAL PROPERTY FIRM; 中国北京市 海淀区中关村紫金数码园3号楼707 Room 707, No. 3 Mansion, Zijin Shuma Yuan (Golden Valley) Zhongguancun, Haidian District Beijing 100190, CN
Priority Data:
201710779362.901.09.2017CN
Title (EN) METHOD AND DEVICE FOR BLOCKCHAIN-BASED CREDIT CHECK
(FR) PROCÉDÉ ET DISPOSITIF DE VÉRIFICATION DE SOLVABILITÉ BASÉE SUR UNE CHAÎNE DE BLOCS
(ZH) 基于区块链的征信方法及装置
Abstract:
(EN) A method and a device for blockchain-based credit check are provided. The method comprises: determining personal credit on the basis of personal information of an employee and recording it in a blockchain (S210); if the employee agrees to undergo credit check on behalf of the enterprise, determining that the employee provides a limited guarantee for the enterprise (S220); and determining the enterprise's overall credit on the basis of the personal credit, and recording it in the blockchain (S230). This method makes data processing more efficient and credit check more reasonable.
(FR) L'invention concerne un procédé et un dispositif de vérification de solvabilité basée sur une chaîne de blocs. Le procédé consiste à : déterminer un crédit personnel sur la base d'informations personnelles d'un employé et l'enregistrer dans une chaîne de blocs (S210); si l'employé accepte de se soumettre à une vérification de solvabilité pour le compte de l'entreprise, déterminer que l'employé fournit une garantie limitée pour l'entreprise (S220); et déterminer le crédit global de l'entreprise sur la base du crédit personnel, et l'enregistrer dans la chaîne de blocs (S230). Le procédé de la présente invention rend le traitement de données plus efficace et la vérification de solvabilité plus raisonnable.
(ZH) 一种基于区块链的征信方法及装置。该方法包括:根据员工个人信息确定个人信用,并记录在区块链中(S210);在所述员工同意为企业征信时,确定所述员工为所述企业提供有限担保责任(S220);根据所述个人信用,确定企业综合信用,并记录在区块链中(S230)。该方法使得数据处理效率更高,且征信更合理。
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JO, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Chinese (ZH)
Filing Language: Chinese (ZH)