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System and method for reallocating and/or upgrading and/or rewarding tickets, other event admittance means, goods and/or services

InactiveUS7031945B1To offer comfortIncrease the fun of activitiesMarket predictionsTicket-issuing apparatusPoint of saleUpgrade

A method, system, server architecture and/or tangible medium upgrade and award admittance of events to an event customer, preferably via a data communication network. The method includes, for example, receiving a communication from the event customer, the communication including a request to obtain admittance to at least one event, the communication also including an identifier associated with the event customer, admitting the event customer at the point of sale system after verification of the request, and updating a database indicating that the request was processed. The method also includes determining first predetermined criteria associated with the event indicative of at least one other event customer not attending the event, releasing an allocation associated with the at least one other event customer, and notifying at least another of the event customers to perform the upgrade and/or reallocation.

System and method for reallocating and/or upgrading and/or rewarding tickets, other event admittance means, goods and/or services

System and method for reallocating and/or upgrading and/or rewarding tickets, other event admittance means, goods and/or services

System and method for reallocating and/or upgrading and/or rewarding tickets, other event admittance means, goods and/or services

Owner:EASTERN IX GRP +1

Vehicle security with accident notification and embedded driver analytics

ActiveUS20140300739A1Improve video qualityReduce storage requirementsFinanceCharacter and pattern recognitionIn vehicleDistraction

The present invention relates to a vehicle telematics device with one or more cameras embedded in the same package for evidentiary surround audio-video recording, automatic accident detection and emergency help request notification, facial processing for drowsiness and distraction accident avoidance, and embedded multiple profiles of driver analytics, and mobile internet connectivity for contacting emergency services directly and without the delay of a call center and for mobile hot spot for in-vehicle infotainment. Each profile of driver analytics has many selectable advanced driver analysis parameters and multiple profiles can be active for a given driver. In case of emergency help request accident panoramic accident video is uploaded to a cloud drop box and link to video of accident is available along with severity index, location, nearest address, number of passengers, etc.

Vehicle security with accident notification and embedded driver analytics

Vehicle security with accident notification and embedded driver analytics

Vehicle security with accident notification and embedded driver analytics

Owner:MIMAR TIBET

Method and apparatus for consumer interaction based on spend capacity

InactiveUS20080228556A1Efficient use ofEfficient managementFinanceSpecial data processing applicationsBalance transferInsurance life

Share of Wallet (“SoW”) is a modeling approach that utilizes various data sources to provide outputs that describe a consumer's spending capability, tradeline history including balance transfers, and balance information. These outputs can be appended to data profiles of customers and prospects and can be utilized to support decisions involving prospecting, new applicant evaluation, and customer management across the lifecycle. In addition to credit card companies, SoW outputs may be useful to companies issuing, for example: private label cards, life insurance, on-line brokerages, mutual funds, car sales/leases, hospitals, and home equity lines of credit or loans. “Best customer” models can correlate SoW outputs with various customer groups. A SoW score focusing on a consumer's spending capacity can be used in the same manner as a credit bureau score.

Method and apparatus for consumer interaction based on spend capacity

Method and apparatus for consumer interaction based on spend capacity

Method and apparatus for consumer interaction based on spend capacity

Owner:EXPERIAN MARKETING SOLUTIONS

Roadside assistance service provider assignment system

ActiveUS9282430B1Emergency connection handlingFinanceDriver/operatorInformation Harvesting

Aspects of the disclosure provide a computer-implemented method and system for the assignment of roadside assistance service providers such as tow trucks to distressed vehicles/drivers requiring roadside assistance. The methods and systems may include a roadside assistance service provider system with a collection module, an assignment module, and a feedback module. The collection module collects roadside assistance service provider information and historical statistics from real-world information and stores the information in a database that may then be analyzed using particular rules and formulas. The assignment module assigns particular roadside assistance service providers to particular distressed vehicles/drivers based on one or more characteristics. The feedback module may provide near real-time cues to the tow truck driver's mobile device, such as alerting when the amount of time spent on a task exceeds a predefined threshold, flagging high priority tasks/assignments, providing a step-by-step checklist for the repair.

Roadside assistance service provider assignment system

Roadside assistance service provider assignment system

Roadside assistance service provider assignment system

Owner:ALLSTATE INSURANCE

Customizable payment system and method

InactiveUS20060282381A1Avoid errorsPrevent fraudulent transactionFinanceBilling/invoicingBank accountComputer science

The invention provides a system and method for facilitating secure payments to a payee. In accordance with the invention, a payee can enroll and/or register with a customized account processing center (CAPC). The CAPC can include payment information about the payee, such as the payee's account number and the payee's preferred payment format. When a payee is registered and elects payment via electronic funds transfer, the CAPC issues instructions to the bank to transfer funds from the payer's bank account to the payee's bank account which may be at the same bank or at a different bank. The CAPC can also create a detailed record of payment histories which are accessible to the payee. The CAPC also can send a notification to the payee when a payment is made.

Customizable payment system and method

Customizable payment system and method

Customizable payment system and method

Owner:PAYFORMANCE CORP

Methods and systems for adjudication and processing of claims

InactiveUS20070233525A1FinancePayment architectureService providerService provision

Methods and systems process a request for reimbursement of an expense incurred from a service provider by a customer. A first electronic packet having the reimbursement request is received at a coordination system. The reimbursement request includes an identification of the customer, an identification of a reimbursement-account provider, and a reimbursement amount. A second electronic packet is transmitted from the coordination system to a provider platform maintained by or on behalf of the reimbursement-account provider. The second electronic packet includes the identification of the customer, the reimbursement amount, and information related to a service provided for the customer by the service provider. A third electronic packet is received from the provider platform at the coordination system. The third electronic packet comprises an approval of the reimbursement request. Instructions are issued with the coordination system to effect payment for the service by the reimbursement-account provider.

Methods and systems for adjudication and processing of claims

Methods and systems for adjudication and processing of claims

Methods and systems for adjudication and processing of claims

Owner:FIDELITY INFORMATION SERVICES LLC

Devices, Systems and Methods for Data Processing

InactiveUS20160171486A1FinancePayment protocolsData processingComputer hardware

Devices, systems and methods are disclosed which enable data processing in multiple environments including in electronic transaction type environments, and environments including wireless beacons. In the former, a machine-identifiable tag is utilized to initiate a transaction with an electronic device and various devices and systems supporting such a tag processing platform are described. In the latter, the electronic device can be utilized for configuration and processing of data pertaining to wireless beacons and various systems devices and systems supporting such a wireless beacon environment are described.

Devices, Systems and Methods for Data Processing

Devices, Systems and Methods for Data Processing

Devices, Systems and Methods for Data Processing

Owner:964 BIDCO LTD

System and method for ordering items using a electronic catalog via the internet

InactiveUS7082408B1Sampled-variable control systemsComplete banking machinesThird partyInternet use

A system and method for procuring non-production commodities for use by employees of a commercial enterprise includes associating the employee with a user profile comprising information relating a status of the employee within the enterprise, automatically generating a requisition for the employee indicating a desired commodity and quantity thereof, and, utilizing the user profile information and the desired commodity to enable employee searching of specific catalogs provided in a database storage device for indication of the desired commodity in a requisition. The system and method further provides for the automatic generation of a purchase order based on the requisition, the forwarding of the purchase order to the vendor for processing the order without a third party intervenor, and provides a mechanism for receiving vendor purchase order acknowledgments and approving vendor initiated changes to the purchase order without third party intervention.

System and method for ordering items using a electronic catalog via the internet

System and method for ordering items using a electronic catalog via the internet

System and method for ordering items using a electronic catalog via the internet

Owner:EBAY INC

Secure Mobile-Based Financial Transactions

ActiveUS20110099079A1Transaction were limitedLimited in potentialHand manipulated computer devicesFinanceClient-sidePayment order

Devices, systems and methods are disclosed which relate to securing payments from a mobile communications device. In exemplary embodiments, a mobile communications device communicates with a payment server via a point-of-sale device to conduct a transaction. The mobile communications device uses a client payment logic to send payment information to the point-of-sale device. The point-of-sale device uses a vendor payment logic to forward the payment information to the payment server. The payment server verifies the payment information and sends confirmation to the point-of-sale device.

Secure Mobile-Based Financial Transactions

Secure Mobile-Based Financial Transactions

Secure Mobile-Based Financial Transactions

Owner:AT&T MOBILITY II LLC

Methods and systems for private label transaction processing

InactiveUS20050234817A1FinancePayment circuitsAuthorizationInternet privacy

In one embodiment, a first information packet is received at a payment network from a merchant, which includes a financial transaction cost and a private label card account identifier presented by the customer as a payment for the financial transaction. The private label card is a form of payment accepted only by the merchant or a merchant consortium that includes the merchant. The payment network uses the private label card account identifier to determine a financial account maintained by the customer at a financial institution and authorization information that allows debit access to the identified financial account. The payment network generates a second information packet comprising the transaction information, the account information, and the authorization information. The second information is transmitted from the payment network to the financial institution with a request to perform a debit transaction from the identified financial account for the cost of the financial transaction.

Methods and systems for private label transaction processing

Methods and systems for private label transaction processing

Methods and systems for private label transaction processing

Owner:FIRST DATA

Software Licensing Method And System

InactiveUS20080215468A1Complete banking machinesFinanceSoftware vendorSingle entity

A software and/or content licensing method, which, in some embodiments, an intermediate entity brokers a plurality of software vendors to a single user, who can pay for only actual use of the software, through the single entity. In some embodiments, there is a cap. In some embodiments, offline use of the pay-per-use software is supported.

Software Licensing Method And System

Software Licensing Method And System

Software Licensing Method And System

Owner:DOUBLE TRUMP INT

Method for screening companies for investment

InactiveUS20050049948A1FinanceSpecial data processing applicationsData mining

A method of screening companies for investment that includes the steps of identifying a plurality of candidate companies, obtaining philanthropy data relating to each of the plurality of companies, quantifying the philanthropy data for each of the plurality of companies according to at least one philanthropy parameter, and selecting at least two companies from the plurality of candidate companies based on the at least one philanthropy parameter so as to create a set of companies for investment.

Method for screening companies for investment

Method for screening companies for investment

Method for screening companies for investment

Owner:CRF RES

Data processing system for a billing address-based credit watch

InactiveUS20070016522A1Loss and damageFinancePayment architectureEmbedded systemData processing

A data processing system for a billing address-based credit watch comprises a central controller with a CPU and a memory operatively connected to the CPU, and a plurality of creditors. The creditors periodically communicate with the central controller and transmit at least one consumer's payment information including the billing address to the central controller. The memory in the central controller contains a program for execution by the CPU for transferring the billing addresses transmitted from different creditors into a pre-defined common format and for combining the payment information from different creditors by matching billing addresses. Then the central controller transmits back to each creditor periodically the combined payment information including, for each billing address, at least one fraud flag when applicable to detect possible identity theft to provide the billing address-based credit watch.

Data processing system for a billing address-based credit watch

Data processing system for a billing address-based credit watch

Data processing system for a billing address-based credit watch

Owner:WANG ZHIPING

Computer method and apparatus for vessel selection and optimization

InactiveUS6983186B2Accurate dataFew typographical errorFinanceOffice automationLogistics managementComputer methods

Currently lacking are effective and accurate tools to help petroleum traders and logistics personnel to make better decisions, collaborate in real-time and negotiate deals in a private and secure environment. The present invention addresses this and other needs in the industry.

In particular, the present invention provides a non-client computer resident method optimizes vessel scheduling by aggregating vessel information. At least some of the vessel information is automatically downloaded from an electronic source. The aggregated vessel information is stored in a vessel information database comprising vessel information database records. Information is obtained about a potential vessel contracting transaction. The vessel information database is searched in a real-time manner to match the potential vessel contracting transaction to at least one of the vessel information database records such that the vessel contracting transaction is optimized. At least one of the optimized vessel contracting transactions is then reported. Optimization factors used to produce the optimized vessel contracting transactions include lowest cost and fastest delivery.

Computer method and apparatus for vessel selection and optimization

Computer method and apparatus for vessel selection and optimization

Computer method and apparatus for vessel selection and optimization

Owner:ASPENTECH CORP

Facilitating sending and receiving of peer-to-business payments

ActiveUS20160180325A1Improve easeImprove convenienceFinanceProtocols using social networksMessage passing systemPayment

The present disclosure relates to systems, methods, and devices for enabling peer to business payments using an integrated payment and messaging system. In particular, the integrated payment and messaging system allows users to send electronic payments as well as exchange messages with a merchant. The integrated payment and messaging system can improve security by allowing a user to make a purchase without having to provide sensitive financial information to the merchant. In addition, the integrated payment and messaging system can allow a user to make a payment for an order seamlessly during a conversation with the merchant.

Facilitating sending and receiving of peer-to-business payments

Facilitating sending and receiving of peer-to-business payments

Facilitating sending and receiving of peer-to-business payments

Owner:META PLATFORMS INC

Systems and methods for generation, registration and mobile phone billing of a music pod system

InactiveUS20080040139A1Simple and automaticEliminate needFinancePayment architectureHuman–computer interactionUser interface

A platform for supporting a network-enabled music application is configured to render the network enabled application for a user, via a user interface associated with the user, in accordance with various APIs included in the platform and used by a program developer to develop the network-enabled music application. The rendering can included recognizing that the user interface is a mobile user interface and rendering the network-enabled music application in a manner appropriate and / or optimal for the mobile user interface.

Owner:SMS AC INC

System and method for conducting secure commercial order transactions

InactiveUS20060106699A1FinancePayment architecturePaymentService provision

The inventive system and method enable secure remote commercial order transactions between customers and merchants. The inventive system and method ensure that customer entire confidential financial data (CFD) is never transmitted to the merchant by keeping that CFD proprietary to the customer's exiting financial service provider (FSP) with which the customer has established a financial account, and from which the merchant is authorized to receive payments. When an order is placed, the customer provides to the merchant a partial CFD (PCFD) sufficient, along with additional data, to identify the FSP to the merchant, and to identify the customer to the FSP. The merchant then provides the PCFD, along with at least partial order data, to the FSP, and order confirmation data (OCD) to the customer. Various embodiments of a novel order verification process are also provided that enable authorization, by the customer, of the order through contact between the customer and the FSP. In this manner, the complete CFD is kept absolutely secure as it never leaves the possession of the customer and the FSP. Optionally, the FSP is given the opportunity to offer additional services and / or products to the customer during order authentication, that are related or unrelated to the order. Advantageously, the inventive system and method function equally well for interactive electronic (e.g., online) orders, telephone orders, mobile commerce orders, facsimile orders, mail-order orders, and even in-person orders.

Owner:BYZ TEK

System for collecting and managing risk management file and safety assurance case data

InactiveUS20130006702A1Improve securityFinanceOffice automationSafety assuranceComputer science

An electronic intermediary electronically connects with a medical device manufacturer and regulatory agencies, collects and processes electronically product life cycle safely related events and information from a medical device manufacturer. The electronic intermediary processes the information collected electronically, integrates, generates, maintains, presents and distributes the risk management file and safely assurance case through the product life cycle using, linking, and connecting the collected and processed data.

System for collecting and managing risk management file and safety assurance case data

System for collecting and managing risk management file and safety assurance case data

System for collecting and managing risk management file and safety assurance case data

Owner:WU FUBIN

Systems and Methods for Allocating an Amount Between Sub-Accounts

InactiveUS20090083181A1Easy to optimizeIncrease purchase intentionFinanceProtocol authorisationTransaction accountDatabase

A financial account issuer facilitating transactions between accounts is disclosed. The invention provides sellers with an irrevocable method of receiving funds from a purchaser and for improving purchaser willingness to transact with an unknown party. The invention also enables the allocation of a portion or all of a charge or loyalty points to different transaction accounts issued by different issuers, or to sub-accounts.

Systems and Methods for Allocating an Amount Between Sub-Accounts

Systems and Methods for Allocating an Amount Between Sub-Accounts

Systems and Methods for Allocating an Amount Between Sub-Accounts

Owner:LIBERTY PEAK VENTURES LLC

Systems and methods for fixed form card to virtual card communication

InactiveUS20120323787A1Improve securityReduce the possibilityFinanceProtocol authorisationLarge capacityMass storage

System and methods for converting a fixed form card to a virtual card are disclosed herein. The system includes a virtual card manager and a user computing device communicatively coupled via a network. The virtual card manager may be configured to convert a fixed form card to a virtual card, and the user computing device may be configured to initiate a virtual card conversion request via a virtual card engine stored in mass storage and executable by a processor. As such, a stored value of the fixed form card may be transferred to the virtual card in a secure manner.

Systems and methods for fixed form card to virtual card communication

Systems and methods for fixed form card to virtual card communication

Systems and methods for fixed form card to virtual card communication

Owner:E2INTERACTIVE INC D B A E2INTERACTIVE

Method and apparatus for allocating items on a bill

InactiveUS20050108116A1Complete banking machinesFinanceData processingPayment

A data processing system for settling a bill for items ordered at a restaurant. A set of items for a bill is presented to one or more customers, for which payment is required. User input from one or more customers identifying items from the set of items for payment by a particular person is received to form identified items. Payment is processed for the identified items. The receiving and processing steps are repeated until all items in the set of items for the bill have been identified for payment.

Method and apparatus for allocating items on a bill

Method and apparatus for allocating items on a bill

Method and apparatus for allocating items on a bill

Owner:IBM CORP

Method and system for providing electronic bill payment and presentment

ActiveUS8630947B1FinanceBilling/invoicingDatabasePayment

An embodiment of the present invention relates to capturing payer information and biller information for generating menu delivered to a customer to activate the billers for electronic payment and/or electronic presentment by selecting one or more billers. A method for facilitating electronic payment related services to at least one payer entity for making payments to at least one biller may comprise the steps of collecting payer information associated with the at least one payer entity; collecting billing information associated with the at least one payer entity; identifying one or more billers associated with the at least one payer entity from the payer information and the billing information, where the at least one payer entity has a relationship with each of the one or more billers; generating a menu for the at least one payer entity to select one or more billers for activating one or more electronic payment related services; and activating the one or more electronic payment related services in response to the at least one payer entity's selection of the one or more billers.

Method and system for providing electronic bill payment and presentment

Method and system for providing electronic bill payment and presentment

Method and system for providing electronic bill payment and presentment

Owner:CHASE MANHATTAN BANK USA NAT ASSOC +1

System and Method for Collections on Delinquent Financial Accounts

InactiveUS20100287093A1Effective strategyFinanceAbility to payComputer science

A computer-implemented method for selecting a financial services collection program to be applied to a delinquent debtor account. First, an ability to pay index (API) is computed as a function of one or more predetermined ability to pay indicators for the debtor. Next, a willingness to pay index (WPI) is computed as a function of one or more predetermined willingness to pay indicators for the debtor. One of a plurality of predetermined collection programs to be offered to the debtor is then selected as a function of each of the API and the WPI. The WPI is computed by evaluating one or more of a past action taken by the debtor or a past status of the debtor account.

System and Method for Collections on Delinquent Financial Accounts

System and Method for Collections on Delinquent Financial Accounts

System and Method for Collections on Delinquent Financial Accounts

Owner:OPERA SOLUTIONS U S A LLC

Computerized quotation system and method

InactiveUS20060015413A1FinanceBuying/selling/leasing transactionsComputer basedRequest for quotation

A computerized system for forming a computer based communications network of network members inclusive of network buyers and or network vendors for processing requests for quotation for goods and services through at least one central processing unit including operating system software for controlling the central processing unit, storage means containing the identification of network members, means for network buyers to generate request for quotation for goods and/or services, means for transmitting said request for quotation to said central processing unit, filter means for selecting appropriate network members to receive said request for quotation based on filter conditions defined by the buyer in said request for quotation and/or by the vendor and/or by the central processing unit, means for broadcasting said request for quotation to the network members selected by said filter means and means for responding to the generator of said request for quotation with either a response to said request for quotation or with a list of said selected network members. Filter conditions may define the class of vendors in terms of geographical location, quantity, language spoken, currency, special conditions of sale, and the like.

Computerized quotation system and method

Computerized quotation system and method

Computerized quotation system and method

Owner:GIOVANNOLI JOSEPH

Method and system for using reward points to liquidate products

InactiveUS20060287943A1Eliminate liabilityReduce in quantityFinanceCash registersPaymentComputer science

A user selects a product to be liquidated from a product provider and then designates to the transacting entity that reward points are to be used towards the purchase of the liquidated product. The transacting entity acts to decrease the number of reward points in the user's reward account by the required number of points. The reward account holder conveys consideration to the transacting entity equivalent to the par value of the reward points. The consumer obtains the product in exchange for reward points having a retail value equivalent to what he would have otherwise paid for the product, while the reward account holder is required to convey only the par value of the points. The product provider is able to liquidate the product and obtain payment equivalent to what it would otherwise have obtained in a prior art liquidation process, auction or trading environment.

Method and system for using reward points to liquidate products

Method and system for using reward points to liquidate products

Method and system for using reward points to liquidate products

Owner:POSTREL RICHARD

System for managing orders and method of implementation

InactiveUS7050995B2Efficient receptionDiscounts/incentivesFinanceCost effectivenessLogistics management

The system of this invention manages customer orders using vendor supplied software systems interfaced on a real-time basis to touch the data in each system on a real-time basis. In effect, there is horizontal communication between the various components of the system such as inventory, purchasing, order management and receipt, logistics and inventory to have continual data flow without using a vertical software interface. As a result, customer orders are received on a real-time basis using screens that are user friendly to promptly take orders, to verify customer data and to verify the ability to meet those orders. Transmission of documents within the system is minimized thereby making it more efficient, timely and cost efficient.

System for managing orders and method of implementation

System for managing orders and method of implementation

System for managing orders and method of implementation

Owner:LYKES BROTHERS

Payment processing with selection of a processing parameter

InactiveUS7653598B1Easy to implementEasy programmingFinancePayment circuitsPaymentComputer science

A technique for making a payment to a payee on behalf of a payor is provided. A selection is made, based upon a received payment request, of a processing parameter from a group of processing parameters. The group of processing parameters consists of at least two of three processing parameters. The three processing parameters are a speed of processing, cost of processing, and a risk of processing. The payment is made according to the selected processing parameter.

Payment processing with selection of a processing parameter

Payment processing with selection of a processing parameter

Payment processing with selection of a processing parameter

Owner:CHECKFREE SERVICES CORP

Method and system for implementing transfer accounts by mobile phone

InactiveCN101324950AImprove efficiencyImprove securityFinanceComputer networkBank account

The embodiment of the invention discloses a method and a system for transferring accounts through a mobile phone. The method comprises the following steps: the binding relationship between the bank account and the unique identifier of a mobile phone of a first user, and between the bank account and the unique identifier of a mobile phone of a second user are respectively established; the first user signs a contract with a bank, and the function of transferring accounts of the mobile phone of the first user is activated; the first user logs on a mobile phone bank system, and the mobile phone bank system verifies the identity of the first user; the user sends a request for transferring accounts through the mobile phone; the request for transferring accounts comprises the unique identifier of the mobile phone of the second user and transfer amount; and the mobile phone bank system transfers an account fund corresponding to the unique identifier of the mobile phone of the first user to the account corresponding to the unique identifier of the mobile phone of the second user, according to the request for transferring accounts. In the embodiment of the invention, a client can transfer funds without knowing an account number, thereby enabling the transfer to be more flexible and improving the efficiency of transferring funds.

Method and system for implementing transfer accounts by mobile phone

Method and system for implementing transfer accounts by mobile phone

Method and system for implementing transfer accounts by mobile phone

Owner:CHINA CONSTRUCTION BANK

Investment portfolio selection

InactiveUS6912509B1FinanceSpecial data processing applicationsEngineeringMonetary Amount

A system for and method of investing a lump sum amount in order to return N periodic installments at a specified confidence level. A set of candidate investment instruments is selected from a universe of investment instruments. Data regarding the returns of the candidate investment vehicles during preceding periods is collected. Based on the data, minimum expected returns at the confidence level (MER) from each investment vehicle at the return date of each installment is compiled. Investment vehicles are selected for each of the N periods, with the selection criteria maximizing the MER for each of the respective periods. A normalization factor is developed that is based on the MERs of the selected investment vehicles, for the associated respective periods. An amount is allocated to each selected investment vehicle, and the allocated amount is established in accordance with a respective investment factor attributed to each investment vehicle, where the investment factor is based on the MER of the investment vehicle at a corresponding installment date.

Investment portfolio selection

Investment portfolio selection

Investment portfolio selection

Owner:LEAR JAMES A

Private lending risk pre-control method based on block chain

InactiveCN107944887AFinanceCommerceBlockchainInformation science

The invention discloses a private lending risk pre-control method based on block chain. The method comprises the steps that a borrowing and lending parties select an authority verification institute nodes in a block alliance chain through a private lending service platform to carry out risk pre-control; wherein the block alliance chain is composed of a plurality of authority verification institutenodes based on a predetermined alliance protocol. The block alliance chain in the method comprises three information chains: a contract information chain, a credit record information chain and a contract fulfillment information chain. The lending and borrowing parties can consciously conform to the contract in the lending process by storing the borrowing contract information, the user bad creditinformation and the contract fulfillment information. According to the method, a lending service platform is constructed on the basis of the block alliance chain, so that the risk of multiple lendingand borrowing can be prevented, and the risk of illegal gathering can be reduced, so that the interests of both lending and borrowing parties can be guaranteed.

Private lending risk pre-control method based on block chain

Private lending risk pre-control method based on block chain

Private lending risk pre-control method based on block chain

Owner:法信公证云(厦门)科技有限公司

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