技术领域technical field
本发明涉及区块链技术领域，更具体的说是涉及一种基于区块链的征信共享平台。The invention relates to the technical field of blockchain, and more particularly to a blockchain-based credit reporting and sharing platform.
背景技术Background technique
目前，征信报告主要是通过征信机构对个人、法人等的信用信息进行加工和处理，并反映信用风险和信用状况的文件；传统征信报告流转过程是个人用户先向征信机构提出申请，征信机构将加盖机构公章的纸质报告返回给个人用户，个人用户再向金融机构出具该纸质报告。随着众多行业要求出具征信报告需求的增长，传统征信报告流转方法面临着诸多问题。首先，纸质征信报告在流转过程中无法有效应对篡改、伪造、丢失等问题，报告接收机构经常会对纸质报告的可信性提出质疑。其次，用户在办理非金融类业务并出具征信报告时，往往不愿意泄露证件号码、出生年月、婚姻状况的等隐私信息，而传统征信报告采用统一报告版式，难以满足个性化隐私保护的新需求。最后，传统流转方法没有从技术层面保护用户的数据主权，纸质报告一旦被提交至征信使用方，无法控制其被滥用于办理其它业务。总之，传统征信报告流转方法造成纸质报告易被篡改伪造，用户隐私关注度低，无法管控信用报告滥用，很难适应众多行业的各类新型业务需求。At present, the credit report is mainly a document that processes and processes the credit information of individuals, legal persons, etc. through the credit reporting agency, and reflects the credit risk and credit status; the traditional credit reporting report circulation process is that individual users first apply to the credit reporting agency. , the credit reporting agency will return the paper report with the official seal of the institution to the individual user, and the individual user will then issue the paper report to the financial institution. With the increasing demand for issuing credit reports in many industries, the traditional credit report circulation method faces many problems. First, the paper credit report cannot effectively deal with tampering, forgery, loss and other issues during the circulation process, and the report receiving agency often questions the credibility of the paper report. Secondly, when users handle non-financial businesses and issue credit reports, they are often reluctant to disclose private information such as certificate numbers, date of birth, and marital status. Traditional credit reports use a unified report format, which is difficult to meet personalized privacy protection. new demands. Finally, the traditional circulation method does not protect the user's data sovereignty from the technical level. Once the paper report is submitted to the credit user, it cannot be controlled to be abused for other business. In a word, the traditional method of circulation of credit reports makes paper reports easy to be tampered with and forged, users pay little attention to privacy, cannot control the abuse of credit reports, and it is difficult to adapt to various new business needs of many industries.
因此，如何提供一种具有不可篡改性、可追溯性、可信性及隐私性的征信报告流转平台是本领域技术人员亟需解决的问题。Therefore, how to provide a credit reporting report circulation platform with immutability, traceability, credibility and privacy is an urgent problem for those skilled in the art to solve.
发明内容SUMMARY OF THE INVENTION
有鉴于此，本发明提供了一种基于区块链的征信共享平台，利用区块链的去中心化和过程记录不可篡改的技术优势，实现了不可篡改性、可追溯性、可信性及隐私性的功能优势。In view of this, the present invention provides a blockchain-based credit reporting and sharing platform, which utilizes the decentralization of blockchain and the technical advantages that process records cannot be tampered with to achieve non-tampering, traceability, and credibility. and privacy features.
为了实现上述目的，本发明提供如下技术方案：In order to achieve the above object, the present invention provides the following technical solutions:
一种基于区块链的征信共享平台，包括：数据存储模块、数据评价模块、数据共享模块、数据查询模块和区块链适配层；数据存储模块存储征信元数据；数据共享模块将区块链适配层反馈的征信数据进行存储；数据评价模块对反馈的征信数据进行评价得到可信征信数据；可信征信数据通过数据查询模块进行查阅；征信共享平台通过区块链适配层与区块链系统进行数据交互；区块链适配层将存储的征信元数据进行处理，将可信征信数据发送到数据共享模块。A blockchain-based credit sharing platform, comprising: a data storage module, a data evaluation module, a data sharing module, a data query module and a blockchain adaptation layer; the data storage module stores credit reporting metadata; the data sharing module stores The credit data fed back by the blockchain adaptation layer is stored; the data evaluation module evaluates the feedback credit data to obtain credible credit data; the credible credit data is consulted through the data query module; the credit sharing platform passes The blockchain adaptation layer exchanges data with the blockchain system; the blockchain adaptation layer processes the stored credit information metadata and sends the trusted credit information data to the data sharing module.
优选的，区块链适配层包括：共识算法模块、智能合约模块和加密模块；区块链系统通过共识算法模块的共识算法和述智能合约模块达成智能合约进行节点间的数据存储；数据加密模块对区块链上的数据进行加密；加密后的征信数据通过数据查询模块与需求方进行数据交互。Preferably, the blockchain adaptation layer includes: a consensus algorithm module, a smart contract module and an encryption module; the blockchain system uses the consensus algorithm of the consensus algorithm module and the smart contract module to achieve smart contracts for data storage between nodes; data encryption The module encrypts the data on the blockchain; the encrypted credit data interacts with the demander through the data query module.
优选的，还包括加密模块，用于加密用户征信信息，利用区块链生成用户征信信息私钥对征信信息进行加密；将用户征信信息私钥运算获得用户征信信息公钥，将用户征信信息公钥运算得到用户征信信息公钥哈希，在用户征信信息公钥哈希头部连接版本号，再将连接有版本号的征信信息公钥哈希进行哈希运算获得用户征信信息校验码，将校验码连接在具有版本号的用户征信信息公钥哈希的尾部形成用户征信数据。Preferably, it also includes an encryption module for encrypting the user's credit information, using the blockchain to generate the user's credit information private key to encrypt the credit information; calculating the user's credit information private key to obtain the user's credit information public key, Calculate the user credit information public key to obtain the user credit information public key hash, connect the version number to the user credit information public key hash header, and then hash the credit information public key hash connected with the version number. The user credit information check code is obtained by operation, and the check code is connected to the end of the user credit information public key hash with the version number to form the user credit data.
优选的，需求方指定合约自动执行的条件，智能合约模块检测到存储请求之后自动执行，为一段时间内的操作创建一个区块，并将记录生成哈希值传入区块链系统中；区块链系统会根据该智能合约的触发条件输出数据信息，通过加密技术将征信数据发送到数据共享模块。Preferably, the demander specifies the conditions for the automatic execution of the contract, and the smart contract module automatically executes the storage request after detecting the storage request, creates a block for the operation within a period of time, and transmits the generated hash value of the record to the blockchain system; The blockchain system will output data information according to the trigger conditions of the smart contract, and send the credit data to the data sharing module through encryption technology.
一种区块结构包括：区块头与区块体，其中，区块头包括前驱区块、Merle树根与时间戳，其中，前驱区块与Merle树根用于保证征信数据真实性记录的完整性，时间戳用于保证征信数据真实性记录的可追溯性；区块体包括中间节点和叶子节点；叶子节点存储征信元数据Hash值；中间节点存储两叶子节点存储的内容的Hash值；Merle树根存储两个中间节点存储内容的Hash值。A block structure includes: a block header and a block body, wherein the block header includes a precursor block, a Merle tree root and a timestamp, wherein the precursor block and the Merle tree root are used to ensure the integrity of the authenticity record of the credit data. The time stamp is used to ensure the traceability of the authenticity record of the credit data; the block body includes intermediate nodes and leaf nodes; the leaf nodes store the Hash value of the credit data metadata; the intermediate node stores the Hash value of the content stored by the two leaf nodes ; The root of the Merle tree stores the hash value of the content stored by the two intermediate nodes.
经由上述的技术方案可知，与现有技术相比，本发明公开提供了基于区块链的征信共享系统，将个人信用数据信息进行区块化封装及分布式管理，能够有效摆脱个人征信系统集约式管理下管理中心负担重、效率低的弊端。同时，本发明在区块链中应用加密算法，大大地保证了个人征信系统的安全性，能够有效杜绝信用数据的非法篡改。本发明能够实现多个信用数据库之间的高度安全的分布式数据共享，可避免建立集约化的个人信用管理中心，降低征信成本；区块链完整的模型体系结构使得其在个人征信领域具有非常广阔的应用前景。It can be seen from the above technical solutions that, compared with the prior art, the present invention discloses and provides a blockchain-based credit reporting and sharing system, which encapsulates and distributes personal credit data information in blocks, and can effectively get rid of personal credit reporting. Under the intensive management of the system, the management center has the disadvantages of heavy burden and low efficiency. At the same time, the invention applies an encryption algorithm in the block chain, which greatly ensures the security of the personal credit reporting system, and can effectively prevent the illegal tampering of credit data. The invention can realize highly secure distributed data sharing among multiple credit databases, avoid the establishment of an intensive personal credit management center, and reduce the cost of credit investigation; the complete model architecture of the blockchain enables it to be used in the field of personal credit investigation. Has a very broad application prospect.
具体实施方式Detailed ways
对本发明实施例中的技术方案进行清楚、完整地描述，显然，所描述的实施例仅仅是本发明一部分实施例，而不是全部的实施例。基于本发明中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本发明保护的范围。The technical solutions in the embodiments of the present invention are clearly and completely described, and obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.
本发明实施例公开了一种基于区块链的征信共享系统，将个人信用数据信息进行区块化封装及分布式管理，能够有效摆脱个人征信系统集约式管理下管理中心负担重、效率低的弊端。同时，本发明在区块链中应用加密算法，大大地保证了个人征信系统的安全性，能够有效杜绝信用数据的非法篡改。The embodiment of the present invention discloses a blockchain-based credit information sharing system, which performs block packaging and distributed management of personal credit data information, which can effectively get rid of the heavy burden and efficiency of the management center under the intensive management of the personal credit information system low disadvantages. At the same time, the invention applies an encryption algorithm in the block chain, which greatly ensures the security of the personal credit reporting system, and can effectively prevent illegal tampering of credit data.
一种基于区块链的征信共享平台，征信机构将征信元数据存储到数据存储模块；征信机构调用共识算法模块的共识算法进行记录，同时金融机构指定合约自动执行的条件，智能合约模块检测到存储请求之后自动执行，为一段时间内的操作创建一个区块，并将记录生成哈希值传入区块链系统中；区块链系统会根据该智能合约的触发条件输出征信数据，通过加密技术将征信数据发送到数据共享模块，数据评价模块对反馈的征信数据进行评价得到可信征信数据，金融机构通过数据查询模块对可信征信数据进行查阅。A credit reporting sharing platform based on blockchain, the credit reporting agency stores the credit reporting metadata in the data storage module; the credit reporting agency calls the consensus algorithm of the consensus algorithm module to record, and the financial institution specifies the conditions for the automatic execution of the contract, intelligent The contract module automatically executes after detecting the storage request, creates a block for the operation within a period of time, and transmits the generated hash value of the record to the blockchain system; the blockchain system will output the signature according to the trigger conditions of the smart contract. The credit data is sent to the data sharing module through encryption technology, the data evaluation module evaluates the feedback credit data to obtain credible credit data, and the financial institution consults the credible credit data through the data query module.
为了进一步优化上述技术方案，加密模块，用于加密用户可信征信信息，利用区块链生成用户征信信息私钥对征信信息进行加密；将用户征信信息私钥运算获得用户征信信息公钥，将用户征信信息公钥运算得到用户征信信息公钥哈希，在用户征信信息公钥哈希头部连接版本号，再将连接有版本号的征信信息公钥哈希进行哈希运算获得用户征信信息校验码，将校验码连接在具有版本号的用户征信信息公钥哈希的尾部形成用户征信数据。In order to further optimize the above technical solution, the encryption module is used to encrypt the user's trusted credit information, and uses the blockchain to generate the user's credit information private key to encrypt the credit information; calculate the user's credit information private key to obtain the user's credit information. Information public key, calculate the user credit information public key to obtain the user credit information public key hash, connect the version number to the user credit information public key hash header, and then connect the credit information public key with the version number. It is desirable to perform a hash operation to obtain the user credit information check code, and connect the check code to the end of the user credit information public key hash with the version number to form the user credit data.
为了进一步优化上述技术方案，需求方指定合约自动执行的条件，智能合约模块检测到存储请求之后自动执行，为一段时间内的操作创建一个区块，并将记录生成哈希值传入区块链系统中；区块链系统会根据该智能合约的触发条件输出数据信息，通过加密技术将数据信息传输给相应需求方。In order to further optimize the above technical solution, the demander specifies the conditions for the automatic execution of the contract, and the smart contract module automatically executes after detecting the storage request, creates a block for the operation within a period of time, and transmits the generated hash value to the blockchain. In the system; the blockchain system will output data information according to the trigger conditions of the smart contract, and transmit the data information to the corresponding demander through encryption technology.
一种区块结构包括：区块头与区块体，其中，区块头包括前驱区块、Merle树根与时间戳，其中，前驱区块与Merle树根用于保证征信数据真实性记录的完整性，时间戳用于保证征信数据真实性记录的可追溯性；区块体包括中间节点和叶子节点；叶子节点存储征信元数据Hash值；中间节点存储两叶子节点存储的内容的Hash值；Merle树根存储两个中间节点存储内容的Hash值。A block structure includes: a block header and a block body, wherein the block header includes a precursor block, a Merle tree root and a timestamp, wherein the precursor block and the Merle tree root are used to ensure the integrity of the authenticity record of the credit data. The time stamp is used to ensure the traceability of the authenticity record of the credit data; the block body includes intermediate nodes and leaf nodes; the leaf nodes store the Hash value of the credit data metadata; the intermediate node stores the Hash value of the content stored by the two leaf nodes ; The root of the Merle tree stores the hash value of the content stored by the two intermediate nodes.
本说明书中各个实施例采用递进的方式描述，每个实施例重点说明的都是与其他实施例的不同之处，各个实施例之间相同相似部分互相参见即可。对于实施例公开的装置而言，由于其与实施例公开的方法相对应，所以描述的比较简单，相关之处参见方法部分说明即可。The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, and the same and similar parts between the various embodiments can be referred to each other. As for the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant part can be referred to the description of the method.
对所公开的实施例的上述说明，使本领域专业技术人员能够实现或使用本发明。对这些实施例的多种修改对本领域的专业技术人员来说将是显而易见的，本文中所定义的一般原理可以在不脱离本发明的精神或范围的情况下，在其它实施例中实现。因此，本发明将不会被限制于本文所示的这些实施例，而是要符合与本文所公开的原理和新颖特点相一致的最宽的范围。The above description of the disclosed embodiments enables any person skilled in the art to make or use 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 implemented in 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.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010370268.XACN111563813A (en) | 2020-04-29 | 2020-04-29 | A blockchain-based credit sharing platform |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010370268.XACN111563813A (en) | 2020-04-29 | 2020-04-29 | A blockchain-based credit sharing platform |
| Publication Number | Publication Date |
|---|---|
| CN111563813Atrue CN111563813A (en) | 2020-08-21 |
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202010370268.XAPendingCN111563813A (en) | 2020-04-29 | 2020-04-29 | A blockchain-based credit sharing platform |
| Country | Link |
|---|---|
| CN (1) | CN111563813A (en) |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113822778A (en)* | 2021-04-25 | 2021-12-21 | 利姆斯(北京)区块链技术有限公司 | Management system and method based on block chain |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106230808A (en)* | 2016-07-28 | 2016-12-14 | 杭州云象网络技术有限公司 | A kind of personal credit information system method based on block chain technology |
| CN106651346A (en)* | 2016-11-28 | 2017-05-10 | 上海凯岸信息科技有限公司 | Block chain-based credit investigation data sharing and trading system |
| CN106788987A (en)* | 2016-11-28 | 2017-05-31 | 树读（上海）信息科技有限公司 | A kind of collage-credit data based on block chain is shared and transaction system |
| CN107423980A (en)* | 2017-07-11 | 2017-12-01 | 厦门易功成信息技术有限公司 | Data trade reference platform and method in a kind of supply chain |
| KR20190134296A (en)* | 2018-05-25 | 2019-12-04 | 서강대학교산학협력단 | System and method for managing and tracking a supply network based on a blockchain |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106230808A (en)* | 2016-07-28 | 2016-12-14 | 杭州云象网络技术有限公司 | A kind of personal credit information system method based on block chain technology |
| CN106651346A (en)* | 2016-11-28 | 2017-05-10 | 上海凯岸信息科技有限公司 | Block chain-based credit investigation data sharing and trading system |
| CN106788987A (en)* | 2016-11-28 | 2017-05-31 | 树读（上海）信息科技有限公司 | A kind of collage-credit data based on block chain is shared and transaction system |
| CN107423980A (en)* | 2017-07-11 | 2017-12-01 | 厦门易功成信息技术有限公司 | Data trade reference platform and method in a kind of supply chain |
| KR20190134296A (en)* | 2018-05-25 | 2019-12-04 | 서강대학교산학협력단 | System and method for managing and tracking a supply network based on a blockchain |
| Title |
|---|
| 张小猛等编著: "《破冰区块链：原理、搭建与案例》", vol. 2018, 30 September 2018, 机械工业出版社, pages: 67* |
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113822778A (en)* | 2021-04-25 | 2021-12-21 | 利姆斯(北京)区块链技术有限公司 | Management system and method based on block chain |
| Publication | Publication Date | Title |
|---|---|---|
| CN110321721B (en) | Blockchain-based electronic medical record access control method | |
| US11907406B2 (en) | Computer-implemented method and system of tamper-evident recording of a plurality of service data items | |
| CN112131227B (en) | A data query method and device based on alliance chain | |
| KR102404284B1 (en) | Systems and methods for creating digital marks | |
| WO2021203797A1 (en) | Alliance chain-based method for storing vehicle maintenance and servicing data | |
| KR20200106000A (en) | System and method for implementing blockchain-based digital certificate | |
| CN108009917A (en) | The transaction verification and register method and system of digital cash | |
| CN114900290A (en) | Data transaction model and privacy protection method based on block chain | |
| WO2022109851A1 (en) | Blockchain-based trusted platform | |
| EP3841550B1 (en) | Storage management based on message feedback | |
| EP3844942B1 (en) | Blockchain-based message services for time-sensitive events | |
| CN113597608B (en) | Trusted platform based on blockchain | |
| CN113302610B (en) | Trusted platform based on blockchain | |
| WO2022109850A1 (en) | Blockchain-based trusted platform | |
| CN111198888A (en) | A method and system for dynamic generation and supervision of digital currency prefix numbers | |
| CN113779594B (en) | Block chain-based data distribution sharing method and system | |
| Wang et al. | Virtual chain: A storage model supporting cross‐blockchain transaction | |
| CN117094825A (en) | Cross-chain trusted land transaction system and method based on blockchain | |
| CN111563813A (en) | A blockchain-based credit sharing platform | |
| CN114565485A (en) | Labor contract management method and system based on block chain ipfs storage | |
| CN118395396A (en) | A copyright protection method for deep neural network models based on blockchain | |
| TWM597930U (en) | Intelligent system of implementing loan collateral | |
| CN113491090B (en) | Trusted platform based on blockchain | |
| CN111222170B (en) | Block chain electronic version certificate system based on public chain, and certification storing flow and verification method thereof | |
| CN113094750B (en) | Implementation method for compressing and sharing privacy industrial data based on block chain |
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination |