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LSC: Lending Smart Contract
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*******************************************************************
* One Car Payment Encyclopedia of Functions and Commands for the *
* framework in using Smart Contracts within the OCP Karchain *
* network and command structure in the development of lending *
* and insurance instruments in the automotive fintech landscape. *
* Enjoy-Rudy :P *
* *
* OneCarPayment Vehicle Services, Inc. *
* LSC: Lending Smart Contract *
* *
*******************************************************************
OneCarPayment Bank, Inc.
LSC: Lending Smart Contract
This lending smart contract code functions holds the borrowers lending smart contract info, functions, commands and controls to the information & services provided by participating lenders using lsc contract.
The contract is in an active state, polling data based on these functions and criteria:
LSC Services: Info, Contact, Type, Cost, Status, Payments, Transfer, History, Time Date Stamp, Location, Duration, Penalty, Vehicle & Library codes.
NOTE: ****Due to Security issues - select code, functions, commands will not be release to the public****
NOTE: Karchain™ is OCP proprietary software developed to provide a simple means for consumers to use KarTokens to purchase vehicles or products or services in automotive market place. [Karchain is our version of Blockchain but for autos]
NOTE: Select data will be masked during all transactions of all forms on the OCP Karchain network in providing true member privacy. Only the member and OCP will know the true owner of the vehicle smart contract.
NOTE: DMV term- Select states use other or similar named services or meaning like Dept of Transportation or Dept of Public Transportation and the like. To generalize, OCP uses "DMV" as the defacto.
Select code, functions & commands released publicly are subject to change without notice.
Select list of definitions released publicly are subject to change without notice.
Select list of functions released publicly are subject to change without notice.
Select code, functions & commands are Copyright 2018 ® OneCarPayment, Inc.
Select code, functions & commands are Trademarked ™ OneCarPayment, Inc.
Changes made will be release on github at OCP's dlscretion.
****************************************************************
Time / Date Stamp functions related to the action of the functions, by providing the relationship to command and control.
td.time - records network time from NIST or USNO Master Clock
td.date - records network date from NIST or USNO Master Clock
td.history - records a log of access control of network time from NIST or USNO Master Clock
****************************************************************
Karchain functions related to the OCP network platform. [Karchain is our version of Blockchain but for autos]
****Due to Security issues - select code & functions will not be release to the public****
kc.info - OCP KC:Karchain matrix [list of definitions & functions]
kc.ai - OCP AI:artificial intelligence matrix [list of definitions & functions]
kc.func - list of function definitions
kc.health - Network status of OCP KC
kc.health.ai - Network status of OCP AI on KC
kc.sec.health - Security status of the OCP KC network both internal and external
****************************************************************
Lending Smart Contract
acronym:lsc: lending Smart Contract
info:lending command & control
lsc.info - borrowers main information [name, address, point of contact, borrowers contract number and type]
lsc.ai - OCP AI:artificial intelligence matrix [list of definitions]
lsc.access - lenders & borrowers access to the smart contract [command and control access]
lsc.cdate - creation date of the contract instrument [the day the contract instrument was made and executed]
lsc.ctime - creation time of the contract instrument [the time the contract instrument was made and executed]
lsc.status - status of the contract instrument [open, closed, pending or arbitration]
lsc.matrix - borrowers matrix [list of the lending services and function definitions]
lsc.credit - borrowers credit matrix based on lsc.ai matrix
lsc.loantype - lending instrument type [fixed or reversed balloon]
lsc.loanamt - total loan amount of the lending instrument [list of definitions/example: Min $1,000.00 or 10.00 KarTokens to Max $10,000,000.00 or 100,000.00 KarTokens]
lsc.apr - annual percentage rate cost of the lending instrument based on the lsc.apr.matrix
lsc.apr.matrix - annual percentage rate martix [list of definitions/example: Min 0.00% to Max 10.00%]
lsc.term - loan terms in months based on the lsc.term.matrix
lsc.term.matrix - term matrix [list of definitions in months(years): 12(1) / 24(2) / 36(3) / 48(4) / 60(5) / 72(6) / 84(7) / 96(8) / 108(9) / 120(10)]
lsc.cost - ocp total cost of contract instrument
lsc.balance - borrowers remaining payment balance left on the contract instrument [balance based on the time of request]
lsc.transfer - borrowers payment transfer information from bank to wallet or wallet to wallet
lsc.history - borrowers contract instrument lending history [all payments made to OCP since day one of opening account based on the lsc.matrix]
lsc.duration - time left on the borrowers contract instrument until PIF:paid in full [by numeral: months]
lsc.release - when the LSC and vehicle title will be released after final payment [expected release date shown]
lsc.destroy - when and how the borrowers contract instrument will be cancelled [expected contract instrument end date & cause]
lsc.penalty - what and how the penalty will be imposed to the contract instrument if borrowers fails to make, miss or late payment [expected the penalty cost based on the lsc.penalty.matrix]
lsc.penalty.matrix - penalty matrix [list of definitions]
lsc.vehicle - status of borrowers VSC [vsc.vservices] performed [open, closed, pending or arbitration]
lsc.dmv - status of the vehicle dmv records and matrix [mechanics liens or liens]
lsc.dmv.matrix - dmv polling and penalty matrix [list of definitions]
lsc.library - OCP lending data codes [backend]
payment:incoming
lsc.payment - payment matrix [list of definitions]
lsc.payment.ai - OCP AI:artificial intelligence matrix [list of definitions]
lsc.payment.amount - borrowers monthly payment amount [either in KarTokens or USD and any other currencies]
lsc.payment.type - payment & currency type
lsc.payment.owner - borrowers payment information [wallet or bank name, address, contact, policy number and policy type]
lsc.payment.time - time stamp of the payment made
lsc.payment.date - date stamp of the payment made
lsc.payment.access - list of who has access to payments
lsc.payment.status - the status of payments either accepted, pending or declined states
lsc.payment.vehicle - status of vehicle & services performed
lsc.payment.balance - members remaining payment balance [balance based on the time of request]
lsc.payment.transfer - members payment transfer from bank to wallet
lsc.payment.history - members payment history [all payments made since day one of opening account]
lsc.payment.location - where the payment is coming from
lsc.payment.duration - how long the payment is in force
lsc.payment.release - when a payment will be released for payment
lsc.payment.destroy - when and how the payment will be cancelled
lsc.payment.returned - when and how the payment will be returned to the borrower
lsc.payment.penalty - when a payment will be assessed based on the penalty from dmv records poll
lsc.payment.dmv - status assessed based on the penalty from dmv records poll
lsc.payment.library - OCP payment data codes
penalty:imposed [for late, missing, overdraft, insufficient funds, non-payment]
lsc.penalty - penalty matrix [list of functions & definitions]
lsc.penalty.ai - OCP AI:artificial intelligence matrix [list of definitions]
lsc.penalty.amount - amount of penalty imposed
lsc.penalty.type - type of penalty imposed
lsc.penalty.owner - ocp payment information [wallet or bank name, address, contact, policy number and policy type]
lsc.penalty.pct - percentage of penalty imposed
lsc.penalty.time - penalty time stamp of payment made or notice made
lsc.penalty.date - penalty date stamp of payment made or notice made
lsc.penalty.access - list of who has access to the penalty
lsc.penalty.status - status of the penalty [open / pending or closed]
lsc.penalty.vehicle - status of vehicle & services performed or not-performed
lsc.penalty.balance - total balance of the penalty made to date
lsc.penalty.transfer - penalty payment transfer from bank to wallet or wallet to wallet
lsc.penalty.history - penalty payment history [ocp payments made since day one of member opening account]
lsc.penalty.location - where the penalty payment is coming from bank to wallet or wallet to wallet
lsc.penalty.duration - how long the penalty is in force
lsc.penalty.release - when a penalty payment will be released for payment
lsc.penalty.destroy - when and how the penalty will be cancelled or stopped/paused
lsc.penalty.returned - when and how the payment will be returned to the borrower [if normal payment was made before penalty was incurred]
lsc.penalty.dmv - status assessed based on the penalty matrix from dmv records poll
lsc.penalty.library - OCP penalty data codes
payment:outgoing [refunds or overpayment, if any]
lsc.payout - bills matrix [list of functions & definitions]
lsc.payout.ai - OCP AI:artificial intelligence matrix [list of definitions]
lsc.payout.amount - borrowers bill amount [either in KarTokens or USD and any other currencies]
lsc.payout.type - bill type [list of functions & definitions]
lsc.payout.owner - who owns the bill payment [wallet or bank name, address, contact, policy number and policy type]
lsc.payout.time - borrowers time stamp of payment made
lsc.payout.date - borrowers date stamp of payment made
lsc.payout.access - list of who has access and when to payout payments
lsc.payout.status - status of the payout of refund or overpayment claim [open or closed]
lsc.payout.balance - balance of payout paid made to date
lsc.payout.transfer - status of payment transfer from bank to wallet or wallet to bank
lsc.payout.history - payment history [ocp payments made since day one of member opening account]
lsc.payout.location - where the payment is coming from
lsc.payout.duration - how long the payout payment is in force
lsc.payout.release - when a payment will be released for payment
lsc.payout.destroy - when and how the payment will be cancelled or stopped
lsc.payout.returned - when and how the payment will be returned if the payout has been paid based on the VSC & LSC status
lsc.payout.penalty - when a payment will be assessed based on the penalty based on the VSC & LSC status and records poll on lsc.penalty
lsc.payout.dmv - status assessed based on the penalty from dmv records poll
lsc.payout.library - OCP payout data codes