1 results about "Information science" patented technology

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.