CN113836589A - Digital Description, Evidence and Usage of Enterprise Credit - Google Patents

Abstract

Translated fromChinese

本发明公开了一种企业信用的数字化描述、存证和使用方法，属于一种基于区块链技术的企业信用存储和使用机制，包括企业信用数据描述方法、企业信用数据存储方法和企业信用数据使用方法等三个子方法，其中整个方法在使用时需要先进行企业信用数据描述，然后对经过描述的企业信用数据进行存储，最后才能对存储后的企业信用数据进行查询使用，其中整个系统基于区块链技术，这样就能避免企业的信用数据信息被恶意篡改，保证企业信用数据的可信性，同时基于区块链技术的数字化描述、存证和使用方法相比传统数据库存在维护成本低，信用数据描述规范的优点，同时通过企业授权使用信用数据的机制，可以保护企业信用数据权益和隐私，利于统一检索。The invention discloses a digital description, storage and use method of enterprise credit, which belongs to an enterprise credit storage and use mechanism based on block chain technology, including a description method of enterprise credit data, a storage method of enterprise credit data and enterprise credit data. There are three sub-methods such as the usage method. The whole method needs to describe the enterprise credit data first, then store the described enterprise credit data, and finally query the stored enterprise credit data. The whole system is based on the district. Blockchain technology can avoid malicious tampering of corporate credit data information and ensure the credibility of corporate credit data. At the same time, the digital description, storage and use methods based on blockchain technology have lower maintenance costs than traditional databases. The advantages of credit data description specifications, and at the same time, through the mechanism for enterprises to authorize the use of credit data, the rights and privacy of enterprise credit data can be protected, which is conducive to unified retrieval.

Description

Digital description, deposit certificate and use method of enterprise credit

Technical Field

The invention relates to an enterprise credit storage and use mechanism based on a block chain technology, in particular to a digital description, evidence storage and use method of enterprise credit.

Background

The enterprise credit refers to the enterprise credit level evaluated by a third-party credit investigation institution by gathering information of another enterprise according to the credit rating rule of the credit investigation institution. Each enterprise (unit) in the market economy is an independent and independent operator, and an effective credit 'identity card' is required to obtain the trust of the other party when the enterprises (units) need to sign a purchase and sale contract, participate in tendering and bidding, apply for qualification, strive for government purchasing and the like. The credit rating mechanism which is strictly examined and approved by a supervision department in society and independently, objectively and fairly rated credit rating through a standardized evaluation program become an effective credit 'identity card', so that a partner obtains exact and fair credit information and plays a role in accelerating a cooperative decision.

However, the existing enterprise credit database is a centralized storage mode, data is easy to be tampered, and the reliability is not high. Meanwhile, the traditional enterprise credit database has the problems of high maintenance cost, non-standard credit data description and unauthorized use.

Disclosure of Invention

The invention aims to provide a digital description, evidence storage and use method of enterprise credit, which has a mechanism for guaranteeing the authority and credibility of data and protecting the rights and privacy of the enterprise credit data by authorizing the use of the credit data, so as to solve the problems in the background technology.

In order to achieve the purpose, the invention provides the following technical scheme:

the method comprises three sub-methods of an enterprise credit data description method, an enterprise credit data storage method and an enterprise credit data use method, wherein the enterprise credit data use method is based on the enterprise credit data storage method, and the enterprise credit data storage method is based on the enterprise credit data description method.

Preferably, the method for describing the enterprise credit data comprises the following steps:

s101: registering enterprise users, namely registering the enterprise users on a block chain system to obtain an identity private key given to an enterprise by a block chain;

s102: the third party provides data, and the system captures enterprise credit information from the third party and performs structured processing on the credit information;

s103: the enterprise data is sorted, and the structured enterprise credit data format is as follows: a timestamp, a credit event description, an event property, and an influence measure value;

s104: information feedback, the system sends the processed credit data to the enterprise to request the enterprise to confirm and authorize;

s105: and (4) information confirmation, namely the enterprise user completes credit data confirmation and credit data use authorization in a private key signature mode.

Preferably, the third party in S102 includes a credit rating agency, a credit bank of an enterprise account, and a local tax bureau of the enterprise, and if the business of the enterprise is abroad, the credit rating agency needs to cover the credit rating agency of the country and the foreign credit rating agency should be filed in China in advance.

Preferably, the event property in S103 includes a positive event, a neutral event and a negative event, wherein the influence coefficient of the negative event is much larger than that of the positive event.

Preferably, the enterprise credit data storage method comprises the following steps:

s201: carrying out Hash encryption processing, namely carrying out Hash encryption on the confirmed enterprise credit data by the system;

s202; forming a specific data chain, and then forming an enterprise credit data chain according to a time axis;

s203; and adding a main blockchain, storing the main blockchain to each node on the blockchain, and storing the complete credit data chain of the enterprise by each node.

Preferably, in the method for storing enterprise credit data, the master block chain constructs a deposit certificate containing the hash value of the enterprise credit data chain for the received hash value of the enterprise credit data chain, and the master block chain further broadcasts the deposit certificate corresponding to the hash value of each enterprise credit data chain.

Preferably, the method for using the enterprise credit data needs to be activated by a qualified user, wherein when the enterprise information data is requested to be used by the qualified user, the system sends a use request to the enterprise, the enterprise user uses a private key for authorization, the qualified user can read the enterprise credit data on the block chain only after the enterprise user is authorized, and the qualified user cannot read the enterprise credit data if the enterprise user is not authorized.

Preferably, the qualified users when the enterprise credit data use method is used comprise local governments, Chinese people banks, credit rating institutions and enterprises, if the enterprises are listed, the qualified users also comprise witnesses, and if the business of the enterprises relates to abroad, one business of the credit rating institutions covers the credit rating institutions of the country, and the foreign credit rating institutions are put on records in China in advance.

Preferably, when a qualified user sends a use request to an enterprise through a system, the qualified user in the enterprise credit data use method broadcasts in the system and leaves a corresponding hash value, and when the enterprise itself performs a use block chain query, the enterprise does not leave the corresponding hash value, but leaves a timestamp in the system.

Compared with the prior art, the invention has the beneficial effects that: the invention provides a digital description, evidence storage and use method of enterprise credit, comprising three sub-methods of an enterprise credit data description method, an enterprise credit data storage method and an enterprise credit data use method, wherein the whole method needs to describe the enterprise credit data first when in use, then stores the described enterprise credit data, and finally can inquire and use the stored enterprise credit data, wherein the whole system is based on a block chain technology, so that the credit data information of the enterprise can be prevented from being maliciously tampered, the credibility of the enterprise credit data is ensured, meanwhile, compared with the traditional data inventory, the digital description, evidence storage and use method based on the block chain technology have the advantages of low maintenance cost and standard credit data description, and meanwhile, the rights and interests and privacy of the enterprise credit data can be protected through a mechanism that the enterprise authorizes to use the credit data, and uniform retrieval is facilitated.

Drawings

FIG. 1 is an overall flow diagram of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the 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 invention.

The method comprises three sub-methods of enterprise credit data description, enterprise credit data storage and enterprise credit data use, wherein the enterprise credit data use is based on the enterprise credit data storage, and the enterprise credit data storage is based on the enterprise credit data description, the whole method is used by firstly describing the enterprise credit data, then storing the described enterprise credit data, and finally inquiring and using the stored enterprise credit data, the whole system is based on the block chain technology, thereby avoiding the malicious tampering of the enterprise credit data information, ensuring the credibility of the enterprise credit data, and simultaneously, compared with the traditional data inventory, the digital description, the evidence storage and the use based on the block chain technology have lower maintenance cost, the credit data describes the advantages of the specification.

The method for describing the enterprise credit data comprises the following steps:

the first step is as follows: the method comprises the steps that enterprise users are registered on a block chain system, and identity private keys of the enterprises are obtained through block chains, wherein the identity private keys have uniqueness, and a single identity private key is suitable for the enterprise users;

the second step is that: the third party provides data, the system captures enterprise credit information from the third party and carries out structured processing on the credit information, wherein the third party comprises a credit rating mechanism, a credit bank of an enterprise account and a local tax bureau of the enterprise, if the business of the enterprise relates to abroad, the credit rating mechanism needs to cover the credit rating mechanism of the country by one enterprise, and the foreign credit rating mechanism needs to be filed in China in advance, the credit rating mechanism can provide past credit information of the enterprise, the credit rating mechanism needs not to have a profit relationship with the enterprise, the credit bank of the enterprise account can provide deposit information and loan information of the enterprise, and the local tax bureau of the enterprise can provide tax payment proofs of the enterprise;

the third step: the enterprise data is sorted, and the structured enterprise credit data format is as follows: the event property comprises a positive event, a neutral event and a negative event, wherein the influence degree coefficient of the negative event is far greater than that of the positive event, the event property can determine the external image of the enterprise, the timestamp records the date of each credit event of the enterprise, each credit event can be weighted on basic credit, the credit event description records the financial transaction data of each debit, repayment and the like of the enterprise, the influence degree value of the credit event can influence the overall credit of the enterprise, and when the enterprise has the negative event such as no default, the credit value of the enterprise can be greatly reduced;

the fourth step: information feedback, the system sends the processed credit data to the enterprise to request the enterprise to confirm and authorize, namely the system feeds back the collected enterprise credit data to the enterprise and enables the enterprise to determine, certainly, the enterprise can report the credit records which are not collected by the system to the system by itself, and the system can bring the non-collected credit records into the credit data after being confirmed by multiple parties;

the fifth step: and (4) information confirmation, namely the enterprise user completes credit data confirmation and credit data use authorization in a private key signature mode, and if the enterprise confirms the credit events collected by the system, confirmation can be carried out through a unique private key signature.

The enterprise credit data storage method comprises the following steps:

the first step is as follows: in the enterprise credit data storage method, a main block chain constructs a deposit certificate containing the hash value of the enterprise credit data chain aiming at the hash value of the received enterprise credit data chain, and the main block chain also broadcasts the deposit certificate corresponding to the hash value of each enterprise credit data chain;

a second step; forming a specific data chain, and then forming an enterprise credit data chain according to a time axis;

s203; and adding the main block chain, storing the main block chain to each node on the block chain, wherein each node stores the complete credit data chain of the enterprise, so that the credit data of the enterprise form a structured data chain according to the time stamp, which is beneficial to unified retrieval and carries out quantitative evaluation on the influence degree of each credit event of the enterprise.

The method for using the enterprise credit data needs to be activated by qualified users, wherein when the enterprise information data is requested to be used by the qualified users, the system sends a use request to an enterprise, the enterprise users use private keys for authorization, the qualified users can read the enterprise credit data on the block chain only after the enterprise users are authorized, and the qualified users cannot read the enterprise credit data if the enterprise users are not authorized.

The qualified users comprise local governments, China people banks, credit rating mechanisms and enterprises, wherein the local governments can use the system to inquire the credit of the enterprises under the entrust of other enterprises, the China people banks can carry out random spot check by themselves, if the enterprises are listed, the qualified users also comprise a certificate prison which carries out spot check according to the oscillation condition of the enterprises in the stock market, and if the business of the enterprises relates to abroad, one business of the credit rating mechanisms covers the credit rating mechanisms of the country and the foreign credit rating mechanisms are put on records in China in advance; when a qualified user sends a use request to an enterprise through a system, the user broadcasts the use request in the system and leaves a corresponding hash value, and when the enterprise inquires a use block chain, the enterprise does not leave the corresponding hash value, but leaves a timestamp in the system, namely a mechanism for authorizing the enterprise to use the credit data is established, and the interest and the privacy of the enterprise credit data are protected.

In summary, the digital description, evidence storage and usage method of enterprise credit proposed by the present invention includes three sub-methods, namely an enterprise credit data description method, an enterprise credit data storage method and an enterprise credit data usage method, wherein the whole method needs to describe enterprise credit data first, then store the described enterprise credit data, and finally query and use the stored enterprise credit data, wherein the whole system is based on the block chain technology, so that the malicious tampering of the enterprise credit data information can be avoided, the credibility of the enterprise credit data is ensured, meanwhile, compared with the traditional data inventory, the digital description, evidence storage and usage method based on the block chain technology has the advantages of low maintenance cost and standard credit data description, and meanwhile, the rights and privacy of the enterprise credit data can be protected through the mechanism that the enterprise authorizes to use the credit data, and uniform retrieval is facilitated.

It is noted that, herein, 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.

The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art should be able to cover the technical solutions and the inventive concepts of the present invention within the technical scope of the present invention.

Claims (9)

Translated fromChinese

1.企业信用的数字化描述、存证和使用方法，其特征在于：包括企业信用数据描述方法、企业信用数据存储方法和企业信用数据使用方法等三个子方法，所述企业信用数据使用方法基于企业信用数据存储方法，企业信用数据存储方法基于企业信用数据描述方法。1. The digital description, storage and use method of enterprise credit, characterized in that it includes three sub-methods, such as a description method of enterprise credit data, a storage method of enterprise credit data, and a method of using enterprise credit data, and the method of using enterprise credit data is based on the enterprise credit data. The credit data storage method, the enterprise credit data storage method is based on the enterprise credit data description method.2.根据权利要求1所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据描述方法包括以下步骤：2. The method for digital description, storage and use of enterprise credit according to claim 1, wherein the method for describing enterprise credit data comprises the following steps:S101：企业用户注册，企业用户在区块链系统上注册，获得区块链给企业的身份私钥；S101: Enterprise user registration, the enterprise user registers on the blockchain system, and obtains the identity private key given to the enterprise by the blockchain;S102：第三方提供数据，系统从第三方抓取企业信用信息，对信用信息进行结构化处理；S102: The third party provides data, the system captures the enterprise credit information from the third party, and performs structured processing on the credit information;S103：对企业数据进行整理，结构化后的企业信用数据格式为：时间戳、信用事件描述、事件性质和影响程度值；S103: Organize the enterprise data, and the structured enterprise credit data format is: timestamp, credit event description, event nature and impact degree value;S104：信息反馈，系统把处理后的信用数据发送给企业，请求企业确认和授权；S104: Information feedback, the system sends the processed credit data to the enterprise, and requests the enterprise to confirm and authorize;S105：信息确认，企业用户通过私钥签名的方式完成信用数据确认和信用数据使用授权。S105: Information confirmation, the enterprise user completes credit data confirmation and credit data use authorization by means of private key signature.3.根据权利要求2所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述S102中的第三方包括信用评级机构、企业账户的存贷款银行和企业当地税务局，如果企业的业务涉及到国外，则信用评级机构中需要一家业务覆盖国的信用评级机构同时该国外信用评级机构应预先在我国进行过备案。3. The digital description, deposit certificate and method of use of enterprise credit according to claim 2, wherein the third party in the S102 includes a credit rating agency, the deposit and loan bank of the enterprise account and the enterprise local tax bureau, if If the business of the enterprise involves foreign countries, the credit rating agency needs a credit rating agency with business coverage in the country, and the foreign credit rating agency should have been filed in my country in advance.4.根据权利要求2所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述S103中的事件性质包括正面事件，中性事件和负面事件，其中负面事件的影响程度系数远大于正面事件的影响程度系数。4. The method for digital description, storage and use of enterprise credit according to claim 2, characterized in that, the event properties in S103 include positive events, neutral events and negative events, wherein the influence degree coefficient of negative events much larger than the coefficient of influence of positive events.5.根据权利要求1所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据存储方法包括以下步骤：5. The digital description, storage and use method of enterprise credit according to claim 1, wherein the enterprise credit data storage method comprises the following steps:S201：哈希加密处理，系统把确认后的企业信用数据进行哈希加密；S201: Hash encryption processing, the system hashes and encrypts the confirmed enterprise credit data;S202；形成特定数据链，然后按时间轴形成一条企业信用数据链；S202: Form a specific data chain, and then form an enterprise credit data chain according to the time axis;S203；加入主区块链，存储到区块链上的每个节点，每个节点存储企业完整的信用数据链。S203: Join the main blockchain and store it to each node on the blockchain, and each node stores the complete credit data chain of the enterprise.6.根据权利要求1所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据存储方法中，主区块链针对接收到的企业信用数据链哈希值，构建包含该企业信用数据链哈希值的存证，主区块链还会广播每个企业信用数据链哈希值对应的存证。6. The digital description, storage and use method of enterprise credit according to claim 1, characterized in that, in the enterprise credit data storage method, the main block chain is for the received enterprise credit data chain hash value, Build a certificate containing the hash value of the enterprise credit data chain, and the main blockchain will also broadcast the certificate corresponding to the hash value of each enterprise credit data chain.7.根据权利要求1所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据使用方法需要被有资质的用户激活，其中当该企业信息数据被有资质的用户请求使用时，系统向企业发送使用请求，企业用户利用私钥授权，只有当企业用户授权后，有资质的用户才能读取区块链上企业信用数据，如果企业用户未授权，有资质的用户则不能读取。7. The digital description, storage and use method of enterprise credit according to claim 1, wherein the enterprise credit data use method needs to be activated by a qualified user, wherein when the enterprise information data is used by a qualified user When the user requests to use, the system sends a use request to the enterprise, and the enterprise user authorizes it with the private key. Only after the enterprise user authorizes, the qualified user can read the enterprise credit data on the blockchain. If the enterprise user is not authorized, the qualified user Users cannot read it.8.根据权利要求7所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据使用方法使用时的有资质的用户包括地方政府、中国人民银行、信用评级机构和企业本身，如果该企业已经上市的话，有资质的用户还包括证监会，如果企业的业务涉及到国外，则信用评级机构中需要一家业务覆盖国的信用评级机构同时该国外信用评级机构应预先在我国进行过备案。8. The digital description, deposit certificate and use method of enterprise credit according to claim 7, wherein the qualified users when the enterprise credit data use method is used include local governments, the People's Bank of China, and a credit rating agency And the company itself, if the company has been listed, the qualified users also include the China Securities Regulatory Commission. If the company's business involves foreign countries, the credit rating agency needs a credit rating agency with a business coverage country. Recorded in my country.9.根据权利要求7所述的企业信用的数字化描述、存证和使用方法，其特征在于，所述企业信用数据使用方法中有资质的用户在通过系统向企业发送使用请求时，都会在系统中做出广播，并留下相应的哈希值，企业本身在进行使用区块链查询时，并不会留下相应的哈希值，但是会在系统中留下时间戳。9. The digital description, storage and use method of enterprise credit according to claim 7, characterized in that, when a qualified user in the enterprise credit data use method sends a use request to the enterprise through the system, it will be It broadcasts and leaves the corresponding hash value. When the enterprise itself makes a query using the blockchain, it will not leave the corresponding hash value, but it will leave a timestamp in the system.

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