CN111046078A - Block chain-based credit investigation query method and device and electronic equipment - Google Patents
Block chain-based credit investigation query method and device and electronic equipmentDownload PDFInfo
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Abstract
Description
Technical Field
The present application relates to the field of block chain technologies, and in particular, to a block chain-based credit investigation query method, apparatus, and electronic device.
Background
The credit investigation data information is collected, arranged and stored by a personal credit database established by a specific organization, provides credit report inquiry service for commercial banks and individuals, and provides personal credit information used by related information service for other purposes of currency policy making, financial supervision and legal and regulatory provisions. The credit data information is a very important private file for users because the personal lending, banking, credit and the like can be seen from the credit data information.
With the development of the internet, the personal credit investigation system contains wide and accurate consumer information, can solve the restriction of insufficient information amount of customers on enterprise marketing, and helps enterprises to contact own target clients in the most effective and most economic way, so that the personal credit investigation system has extremely high market value, and the application of the personal credit investigation system is also expanded to the fields of direct marketing, retail sale and the like.
Such a group of huge data and complicated information is included, and the data is not protected by signature and may be modified, the ownership of personal credit data is almost invisible, and they are held in the hands of each large internet company, so that it is difficult for users to control their own private data, and these large internet companies individually monopolize a market and form data islands which are closed and isolated from each other, so that it is difficult for credit investigation data to fully exert their shared value, and the credit investigation data is easily falsified in each large internet company, and the accuracy of the extracted credit investigation data information cannot be guaranteed.
Disclosure of Invention
The application provides a credit investigation query method, a device and electronic equipment based on a block chain, which at least solve the technical problem that 'credit investigation organization nodes in different fields can directly download required credit investigation data from the block chain, so that credit assessment is more comprehensive', and collect accurate credit investigation data information in various fields to comprehensively decide credit problems of individuals or enterprises by using decentralized and distributed characteristics of the block chain.
In a first aspect, the present application provides a block chain-based credit investigation method, including:
sending an inquiry request, wherein the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user, which is stored by a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and determining a credit investigation report of the user according to first credit investigation data information and second credit investigation data information, wherein the first credit investigation data information is the credit investigation data information of the user stored on the first credit investigation mechanism node, and the second credit investigation data information is the credit investigation data information received after the query request is sent.
Preferably, the determining the credit report of the user according to the first credit data information and the second credit data information includes:
acquiring a first abstract stored in a alliance chain and a second abstract corresponding to the second credit investigation data information, wherein the first abstract is an abstract corresponding to the credit investigation data information of the user stored in the second credit investigation mechanism node, and the first private chain and the second private chain are private chains connected to the alliance chain;
and obtaining a comparison result between the first abstract and the second abstract, and determining a credit investigation report of the user according to the comparison result and the first credit investigation data information.
Preferably, the determining the credit investigation report of the user according to the comparison result and the first credit investigation data information includes:
and under the condition that the comparison result shows that the first abstract and the second abstract are matched, determining a credit investigation report of the user by using the second credit investigation data information and the first credit investigation data information.
Preferably, obtaining the first digest stored in the federation chain includes:
sending a request for obtaining the first abstract to the alliance chain;
receiving the encrypted first digest returned by the federation chain;
and decrypting the encrypted first digest to obtain the decrypted first digest.
Preferably, after sending the query request, the method further includes:
and under the condition that the second credit investigation agency node obtains the inquiry authorization of the user to the credit investigation data information, obtaining the second credit investigation data information returned by the second credit investigation agency node.
Preferably, a determination method used when the first credit investigation agency node determines the second summary corresponding to the stored credit investigation data information of the user is the same as a determination method used when the second credit investigation agency node determines the first summary corresponding to the stored credit investigation data information of the user.
On the other hand, the application also provides another block chain-based credit investigation method, which comprises the following steps:
receiving an inquiry request, wherein the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user, which is stored by a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and responding to the query request, and sending credit investigation data information of the user to the first credit investigation institution node.
Preferably, before receiving the query request, the method further comprises:
sending an upload request to the user, wherein the upload request is used for requesting to upload a first summary to a alliance chain, and the first summary is a summary corresponding to credit investigation data information of the user, which is stored by the second credit investigation institution node;
and uploading the first abstract to the alliance chain for storage when the uploading authorization of the user is received, wherein the abstract stored on the alliance chain is allowed to be inquired by all private chains connected to the alliance chain.
In another aspect, the present application provides a block chain-based credit investigation apparatus, including:
an information query module, configured to send a query request, where the query request is used for a first credit investigation agency node to request to query credit investigation data information of a user stored in a second credit investigation agency node, where the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and the information processing module is used for determining a credit investigation report of the user according to first credit investigation data information and second credit investigation data information, wherein the first credit investigation data information is the credit investigation data information of the user stored on the first credit investigation mechanism node, and the second credit investigation data information is the credit investigation data information received after the query request is sent.
On the other hand, the present application also provides another block chain-based credit investigation apparatus, including:
a request obtaining module, configured to receive an inquiry request, where the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user stored in a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and the information sending module is used for responding to the query request and sending credit investigation data information of the user to the first credit investigation mechanism node.
In another aspect, the present application provides an electronic device including a memory, a processor, and a program stored on the memory and executable on the processor, wherein the processor implements the steps of the method when executing the program.
In another aspect, the present application provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of the method described above.
Compared with the prior art, the technical scheme provided by the embodiment of the application has the following advantages:
according to the method provided by the embodiment of the application, by utilizing the decentralized and distributed characteristics of the block chain, credit investigation institution nodes in each field participate in the block chain, credit investigation data information of each field is collected to decide credit problems of individuals or enterprises, so that credit evaluation is more comprehensive and comprehensive, and different credit investigation institution nodes can directly download required credit investigation data from the block chain; meanwhile, the defect that the credit investigation data is inaccurate due to the fact that a centralized system modifies the data is avoided, and the obtained credit investigation data is guaranteed to be real and effective.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention.
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive exercise.
Fig. 1 is a schematic flowchart of a block chain-based credit investigation method according to an embodiment of the present disclosure;
fig. 2 is a schematic diagram of a block chain-based credit investigation scenario architecture according to an embodiment of the present application;
fig. 3 is a block diagram illustrating a flow of a block chain-based credit investigation method according to an embodiment of the present disclosure;
fig. 4 is a schematic flowchart of another block chain-based credit investigation method according to an embodiment of the present application;
fig. 5 is a schematic diagram of a block chain-based credit investigation apparatus according to an embodiment of the present disclosure;
fig. 6 is a schematic diagram of another block chain-based credit investigation apparatus according to an embodiment of the present application;
fig. 7 is a schematic view of an internal structure of an electronic device according to an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
Fig. 1 is a schematic flow chart of a block chain-based credit investigation method according to an embodiment of the present application, where the method includes:
s11, sending an inquiry request to a second credit investigation agency node, where the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user stored on the second credit investigation agency node, the first credit investigation agency node is a node on a first private chain on a block chain, the second credit investigation agency node is a node on a second private chain on the block chain, and the first private chain and the second private chain are different private chains on a federation chain;
s12, determining a credit investigation report (such as credit investigation level, etc.) of the user according to first credit investigation data information and the received second credit investigation data information, where the first credit investigation data information is the credit investigation data information of the user stored by the first credit investigation agency node.
Through the steps, the first credit investigation institution node can acquire credit investigation data information from the second credit investigation institution node, which is equivalent to collecting the credit investigation data information of different fields of the user to perform more comprehensive and comprehensive credit evaluation on the user.
The method mainly utilizes the decentralized and distributed characteristics of the block chain to enable credit investigation institution nodes in each field to participate in the block chain, credit investigation data in each field is collected to decide credit problems of individuals or enterprises, and different credit investigation institution nodes can directly download required credit investigation data from the block chain.
Specifically, as shown in fig. 2, the block chain in this embodiment is composed of a plurality of credit investigation private chains including credit investigation organization nodes (ABC) and one credit investigation alliance chain, and the credit investigation alliance chain is connected to all the credit investigation private chains and is equivalent to a relay station. In the application, the credit investigation institution node not only includes the traditional banking field, but also can be the direct marketing or retail field, and when the credit investigation institution joins the block chain, the credit investigation institution node needs to be authorized by the credit investigation alliance chain.
For example, a user a respectively proposes a ten thousand yuan borrowing application to three banking institutions, the banking institutions can borrow one thousand yuan according to the income condition evaluation of the user a after receiving the borrowing application, but each banking institution does not know that the user a has already proposed the borrowing application to other banking institutions and has approved the borrowing, so each banking institution generates credit investigation data for the user a, and then uploads the respectively generated abstracts calculated according to the credit investigation data information of the user a to the block chain, so each banking institution uploading the credit investigation data to the block chain can be regarded as a credit investigation institution node, and the credit investigation institution node can upload the credit investigation data information of itself and download the credit investigation data information uploaded by other credit investigation institution nodes.
In step S11, as shown in fig. 3, each credit bureau node in the block chain stores the collected original credit data of the user in a respective private block chain, and then calculates to obtain corresponding summary information according to the collected original credit data, and specifically calculates to use a hash algorithm such as MD5, SHA256, etc. to calculate a hash value corresponding to the original credit data, because the algorithm has the following three characteristics: 1. data with any length can be converted into data with fixed length; 2. the output result is unique, namely one input corresponds to one output; 3. the method is irreversible, and an input value cannot be calculated through an output value, so that the hash value obtained by calculating the original credit investigation data is unique as an abstract, namely different credit investigation data information corresponds to different abstracts, the abstract displays the address attribute of a user through hash value data in a block chain, and only displays information of partial name, partial identity card number and the like of the user when the abstract is displayed on the surface, and the privacy and core data of the user cannot be revealed.
After the credit investigation organization node collects credit investigation data of the user, the computed abstract needs to be uploaded to a alliance chain, at the moment, the credit investigation organization node needs to send an upload request to the alliance chain, the alliance chain forwards the upload request to a user terminal, the user can receive a request prompt of uploading the abstract corresponding to the credit investigation data information to the alliance chain sent on the name of the credit investigation organization after opening terminal application, the user clicks the alliance chain after determining authorization, receives an authorization signal sent by the user, and the credit investigation organization node is allowed to upload the computed abstract to the alliance chain.
The alliance chain stores all abstracts corresponding to credit investigation data information uploaded by credit investigation organization nodes in the block chain, and encrypts each credit investigation data information abstract. When a credit investigation agency node in the block chain needs to inquire credit investigation data information of the user, the credit investigation agency node sends a request for acquiring the credit investigation data of the user to a credit investigation agency node providing the credit investigation data of the user, the credit investigation agency node providing the credit investigation data of the user sends the request to the user through a alliance chain, and the user receives information and prompts a certain credit investigation agency to acquire the credit investigation data of the credit investigation agency requesting to send the information about the user. If the user agrees to click the authorization, the credit investigation institution node providing the credit investigation data of the user sends the corresponding credit investigation data information to the inquired credit investigation institution node.
After acquiring the credit investigation data information, the credit investigation institution node firstly needs to verify the authenticity of the received credit investigation data, and obtains a unique abstract corresponding to one credit investigation data according to the algorithm in the embodiment, so that whether the acquired credit investigation data information is accurate can be judged by comparing whether the abstract corresponding to the user credit investigation data information acquired from the alliance chain is consistent with the abstract corresponding to the received credit investigation data information, and the credit investigation data information corresponding to the accurate abstract is screened out through comparison to serve as the credit investigation data information of the user.
For example, the credit investigation agency node a needs to query the credit investigation data information of the user at the credit investigation agency node B, and after the credit investigation agency node a receives the credit investigation data information of the user at the credit investigation agency node B, it needs to determine whether the information is accurate, because the received credit investigation data information may have the following situations, the first is that the credit investigation data information is the data information sent by the credit investigation agency node B, but it needs to determine whether the data information is accurate; the second is that the credit investigation data information received by the credit investigation institution node a is not transmitted by the credit investigation institution node B due to various factors during the transmission process of the credit investigation institution node B, and in this case, whether the information is accurate or not needs to be confirmed.
The method for confirming the user's credit investigation result includes that the credit investigation agency node A calculates received credit investigation data information into corresponding summary information according to an algorithm in the embodiment, then the summary information of the user, which is stored on a alliance chain by the credit investigation agency node B, is obtained from the alliance chain, whether the two summary information are consistent or not is compared, because it is true when each default credit investigation agency node is uploaded to the summary of the alliance chain, if the comparison result is consistent, the received credit investigation data information of the user is correct, if the comparison result is inconsistent, the user's credit investigation data information is fed back to the alliance chain, a reason is inquired by the alliance chain, and the credit investigation agency node B is instructed to send the credit investigation data information of the user to the credit investigation agency node A again.
When the credit investigation agency node A acquires the summary information of the user uploaded by the credit investigation agency node B from the alliance chain, the alliance chain encrypts the summary of the user uploaded by the credit investigation agency node B and then sends the encrypted summary to the credit investigation agency node A, the credit investigation agency node A is instructed to decrypt the summary corresponding to the credit investigation data information, if the decryption is successful, the credit investigation agency node is an authorized node in the block chain, the summary uploaded by the credit investigation node B can be acquired, and then comparison is carried out to detect whether the summaries are consistent.
The encryption and decryption modes are two types: symmetric encryption and asymmetric encryption.
If a symmetric encryption mode is used, the credit investigation agency node a carries an encryption key in the decryption request, or sends an own encryption public key (or certificate) to the alliance chain for storage when the block chain is added, so that the alliance chain can encrypt credit investigation data by using the encryption key of the credit investigation agency node, and further obtain an encrypted digest.
When a certain credit investigation organization node needs to obtain a certain abstract from the alliance chain, the alliance chain encrypts the abstract by using the encryption key of the credit investigation organization node to form encrypted data and broadcasts the encrypted data, so that even if other inquiry nodes obtain the encrypted data, the encrypted data cannot be decrypted to obtain the content of the encrypted data, and only after the credit investigation organization node obtains the encrypted data, the credit investigation node can decrypt the encrypted data by using the private key of the credit investigation node to obtain the abstract corresponding to the credit investigation data.
If the asymmetric encryption mode is used, the public key (encryption key) of the federation chain is public, and any node of the block chain system can know the public key of the federation chain. And the private key (decryption key) is distributed to the credit investigation institution node after the alliance chain authorizes the credit investigation institution node, and only the credit investigation institution node has and knows the private key. Therefore, after the alliance chain encrypts the credit investigation data to form encrypted data, only the credit investigation institution node can decrypt the encrypted data by using the private key of the credit investigation institution node, and therefore the security of the credit investigation data can be further ensured. The credit investigation data can be credit rating scores of the users at the credit investigation institution nodes and brief credit investigation data information.
If other credit investigation institution nodes which are not authorized by the alliance chain inquire the credit investigation data information of the user, only the abstract corresponding to the user can be inquired, but the credit investigation data of the user core cannot be inquired.
In step S12, after the accurate credit investigation data information of the user is obtained, the alliance chain stores the abstract corresponding to the accurate credit investigation data information and adds the abstract to the block chain in a broadcast manner, and updates the abstract corresponding to the credit investigation data information, so that each credit investigation mechanism node in the block chain can search the abstract.
The credit investigation institution node A judges the credit condition of the user by combining the acquired accurate credit investigation data information with the credit investigation data information of the user stored by the credit investigation institution node A, specifically, a score standard and a threshold value of each standard can be preset, the score is divided into full points by 100, the credit investigation grade of the user provided by the credit investigation institution node B and the credit investigation grade of the user by the credit investigation institution node B are acquired, the average value is taken, the credit investigation grade of the user is divided by the final comprehensive score of the user, and for an illegal institution or an individual, the credit investigation service or other processing can be directly stopped according to an intelligent contract;
in addition, each credit investigation institution node added into the block chain acquires the credit investigation report of the user through the alliance chain for compensation, the mechanism can be that part of maintenance cost and service cost are periodically exchanged to the alliance chain in the block chain, and the credit investigation report of the user equivalently purchased by other credit investigation institution nodes in the block chain after the authorization of the user; when each credit investigation institution node is added into the block chain, a certain number of guarantee funds need to be paid so as to ensure the quality of the provided credit investigation report.
In a specific embodiment, there are four credit investigation institution nodes in the existing block chain, which are bank a, bank B, small loan institution C and large loan institution D, respectively, and a federation chain connected to them, first A, B, C, D four institutions respectively calculate the credit investigation reports of all users served by themselves correspondingly to obtain abstracts after authorization of the users, and upload the abstracts to the federation chain for storage.
The existing user needs to buy a house from a large-amount loan institution D, the institution D firstly checks whether the credit investigation report of the user exists in the credit investigation reports stored by the institution D, namely whether the user uses the credit investigation service in the institution D before, if so, the credit investigation report is taken as a reference, applies to a alliance chain to check the credit investigation report of the user in other credit investigation institution nodes so as to obtain the latest credit investigation report of the user, and judges whether the user meets the loan conditions and limit requirements such as credit limit and the like by using the credit investigation rule set by the institution D after the latest credit investigation report is obtained.
If the institution D does not find the credit investigation report of the user in the database of the institution D or needs to obtain more credit investigation reports of the user, the latest credit investigation report corresponding to the user is found by searching the keyword of the user in the alliance chain, and the alliance chain is requested to check the credit investigation report corresponding to the abstract, the abstract is encrypted, the credit investigation institution node providing the abstract is found to be a bank A, then the institution D requests the bank A to search the credit investigation report corresponding to the abstract, the bank A sends an authorization request to the user, if the user agrees, the bank A retrieves the credit investigation report related to the user from the database and sends the credit investigation report to the institution D, when the institution D needs to detect the received credit investigation report, the abstract is requested to be checked, the alliance chain sends the encrypted abstract to the institution D, and the abstract is decrypted according to the encryption rule when the institution D requests to check, if the decryption is successful, comparing the abstracts acquired from the alliance chain with the abstracts calculated from the credit investigation report acquired from the bank A, and comparing whether the two abstracts are consistent or not, so as to determine whether the acquired credit investigation report is accurate or not, and evaluating the credit rating of the user by taking the final accurate credit investigation report as a reference.
If institution D also wants to obtain more credit investigation reports about the user, the same method can be used to obtain the respective credit investigation data information from bank B and small loan institution C as the reference for evaluating the user.
According to the method, by utilizing the decentralized and distributed characteristics of the block chain, credit investigation institution nodes in each field participate in the method, credit investigation data information of each field is collected to decide credit problems of individuals or enterprises, so that credit evaluation is more comprehensive and comprehensive, and different credit investigation institution nodes can directly download required credit investigation data from the block chain; meanwhile, the defect that the credit investigation data is inaccurate due to the fact that a centralized system modifies the data is avoided, and the obtained credit investigation data is guaranteed to be real and effective.
Fig. 4 is a schematic flow chart of another block chain-based credit investigation method according to an embodiment of the present application, and as shown in fig. 4, the method includes:
s41, receiving an inquiry request, where the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user stored in a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and S42, responding to the inquiry request, and sending credit investigation data information of the user to the first credit investigation institution node.
As shown in fig. 5, an embodiment of the present application further discloses a block chain-based credit investigation apparatus, including:
aninformation query module 51, configured to send a query request to a second credit investigation agency node, where the query request is used for a first credit investigation agency node to request to query credit investigation data information of a user stored on the second credit investigation agency node, the first credit investigation agency node is a node on a first private chain on a block chain, and the second credit investigation agency node is a node on a second private chain on the block chain;
theinformation processing module 52 is configured to determine a credit investigation report of the user according to first credit investigation data information and the received second credit investigation data information, where the first credit investigation data information is credit investigation data information of the user stored by the first credit investigation institution node.
Fig. 6 is a schematic diagram of another block chain-based credit investigation apparatus according to an embodiment of the present application, and as shown in fig. 6, the apparatus includes:
arequest obtaining module 61, configured to receive an inquiry request, where the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user stored in a second credit investigation agency node, where the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and aninformation sending module 62, configured to send credit investigation data information of the user to the first credit investigation institution node in response to the query request.
FIG. 7 is a diagram illustrating an internal architecture of an electronic device in one embodiment. As shown in fig. 7, the electronic apparatus includes a processor, a memory, a network interface, an input device, and a display screen connected through a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the electronic device stores an operating system and also stores a program, and when the program is executed by the processor, the program can enable the processor to realize the block chain-based credit investigation method. The internal memory may also have stored therein a program that, when executed by the processor, causes the processor to perform a block chain based credit investigation method. The display screen of the electronic device can be a liquid crystal display screen or an electronic ink display screen, and the input device of the electronic device can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the electronic device, an external keyboard, a touch pad or a mouse, and the like.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, apparatus (device), or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (devices) and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
It is noted that, in this document, relational terms such as "first" and "second," and the like, may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The foregoing are merely exemplary embodiments of the present invention, which enable those skilled in the art to understand or practice the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (12)
1. A block chain-based credit investigation method is characterized by comprising the following steps:
sending an inquiry request, wherein the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user, which is stored by a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and determining a credit investigation report of the user according to first credit investigation data information and second credit investigation data information, wherein the first credit investigation data information is the credit investigation data information of the user stored on the first credit investigation mechanism node, and the second credit investigation data information is the credit investigation data information received after the query request is sent.
2. The method of claim 1, wherein determining the credit report of the user according to the first credit data information and the second credit data information comprises:
acquiring a first abstract stored in a alliance chain and a second abstract corresponding to the second credit investigation data information, wherein the first abstract is an abstract corresponding to the credit investigation data information of the user stored in the second credit investigation mechanism node, and the first private chain and the second private chain are private chains connected to the alliance chain;
and obtaining a comparison result between the first abstract and the second abstract, and determining a credit investigation report of the user according to the comparison result and the first credit investigation data information.
3. The method of claim 2, wherein determining the credit investigation report of the user according to the comparison result and the first credit investigation data information comprises:
and under the condition that the comparison result shows that the first abstract and the second abstract are matched, determining a credit investigation report of the user by using the second credit investigation data information and the first credit investigation data information.
4. The method of claim 2, wherein obtaining the first digest stored by the federation chain comprises:
sending a request for obtaining the first abstract to the alliance chain;
receiving the encrypted first digest returned by the federation chain;
and decrypting the encrypted first digest to obtain the decrypted first digest.
5. The method of claim 1, wherein after sending the query request, the method further comprises:
and under the condition that the second credit investigation agency node obtains the inquiry authorization of the user to the credit investigation data information, obtaining the second credit investigation data information returned by the second credit investigation agency node.
6. The method of claim 2, wherein the first credit agency node determines the second summary corresponding to the saved credit investigation data information of the user in the same manner as the second credit agency node determines the first summary corresponding to the saved credit investigation data information of the user.
7. A block chain-based credit investigation method is characterized by comprising the following steps:
receiving an inquiry request, wherein the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user, which is stored by a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and responding to the query request, and sending credit investigation data information of the user to the first credit investigation institution node.
8. The method of claim 7, wherein prior to receiving the query request, the method further comprises:
sending an upload request to the user, wherein the upload request is used for requesting to upload a first summary to a alliance chain, and the first summary is a summary corresponding to credit investigation data information of the user, which is stored by the second credit investigation institution node;
and uploading the first abstract to the alliance chain for storage when the uploading authorization of the user is received, wherein the abstract stored on the alliance chain is allowed to be inquired by all private chains connected to the alliance chain.
9. A block chain-based credit investigation device is characterized by comprising:
an information query module, configured to send a query request, where the query request is used for a first credit investigation agency node to request to query credit investigation data information of a user stored in a second credit investigation agency node, where the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and the information processing module is used for determining a credit investigation report of the user according to first credit investigation data information and second credit investigation data information, wherein the first credit investigation data information is the credit investigation data information of the user stored on the first credit investigation mechanism node, and the second credit investigation data information is the credit investigation data information received after the query request is sent.
10. A block chain-based credit investigation device is characterized by comprising:
a request obtaining module, configured to receive an inquiry request, where the inquiry request is used for a first credit investigation agency node to request to inquire credit investigation data information of a user stored in a second credit investigation agency node, the first credit investigation agency node is a node on a first private chain, the second credit investigation agency node is a node on a second private chain, and the first private chain is different from the second private chain;
and the information sending module is used for responding to the query request and sending credit investigation data information of the user to the first credit investigation mechanism node.
11. An electronic device comprising a memory, a processor and a program stored on the memory and executable on the processor, wherein the steps of the method of any of claims 1-8 are implemented when the program is executed by the processor.
12. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 8.
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| CN201911097259.1ACN111046078B (en) | 2019-11-11 | 2019-11-11 | Credit investigation method and device based on block chain and electronic equipment |
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