CN106611372A - Credit investigation data query method and credit investigation data query system - Google Patents

Credit investigation data query method and credit investigation data query system Download PDF

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Publication number
CN106611372A
CN106611372A CN201611229141.6A CN201611229141A CN106611372A CN 106611372 A CN106611372 A CN 106611372A CN 201611229141 A CN201611229141 A CN 201611229141A CN 106611372 A CN106611372 A CN 106611372A
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China
Prior art keywords
collage
credit
credit data
data
authorized certificate
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CN201611229141.6A
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Chinese (zh)
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CN106611372B (en
Inventor
高翔
胡文彬
刘祥涛
赵彦晖
孙淏添
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Shenzhen Micro Tax Silver Information Service Co Ltd
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Shenzhen Micro Tax Silver Information Service Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/951—Indexing; Web crawling techniques
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/602—Providing cryptographic facilities or services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/321—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving a third party or a trusted authority

Abstract

The invention discloses a credit investigation data query method. The credit investigation data query method comprises the following steps: obtaining a credit investigation query authorization request initiated by a target user; using the credit investigation query authorization request, generating and storing authorization certificates in one-to-one correspondence with each credit investigation system respectively, and obtaining a corresponding authorization certificate set; if a credit investigation data query request for the target user is detected, sending the authorization certificate set to a block chain server; obtaining the credit investigation data corresponding to each authorization certificate in the authorization certificate set in the block chain server, and obtaining a corresponding credit investigation data block, wherein the credit investigation data corresponding to each authorization certificate come from a credit investigation system corresponding to the authorization certificate respectively. The query efficiency of the credit investigation data is improved. Moreover, the invention also discloses a credit investigation data query system.

Description

A kind of collage-credit data querying method and system
Technical field
The present invention relates to reference inquiring technology field, more particularly to a kind of collage-credit data querying method and system.
Background technology
At present, bank needs the collage-credit data for inquiring about user, the loan credit to user when credit operation is carried out It is estimated with qualification.According to the requirement of the People's Bank, need user to carry out reference inquiry and authorize, bank can just carry out reference number According to inquiry.
According to current practical situation, when inquiring about personal collage-credit data, individual is awarded by offer for bank The form of the power electronic document such as file scan part is authorized carrying out reference inquiry, and bank is inquired about in the collage-credit data to enterprise When inquire about, enterprise be in the form of papery mandate come carry out reference inquiry authorize.
From the foregoing, it will be observed that in current authorization, still using the implementation of more traditional written agreement, so as to lead Cause to be required to spend substantial amounts of human cost and time cost in preservation, arrangement and in terms of confirming authority so that levy The search efficiency of letter data is very low.
In sum as can be seen that the search efficiency for how improving collage-credit data is that also have problem to be solved at present.
The content of the invention
In view of this, it is an object of the invention to provide a kind of collage-credit data querying method and system, improve reference number According to search efficiency.Its concrete scheme is as follows：
A kind of collage-credit data querying method, including：
Obtain the reference inquiry authorization requests that targeted customer initiates；
Inquire about authorization requests using the reference, generate and preserve authorize correspondingly with each credit investigation system respectively with Card, obtains corresponding authorized certificate collection；
If detecting the collage-credit data inquiry request for the targeted customer, the authorized certificate collection is sent to area Block chain server；
The reference corresponding with every part of authorized certificate that the authorized certificate is concentrated is obtained from the block chain server Data, obtain corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate is derived from and the authorized certificate Corresponding credit investigation system.
Optionally, it is described the authorized certificate collection to be sent to the process of block chain server, including：
By the credit operation system of bank, directly the authorized certificate collection is sent to the block chain server；
Accordingly, it is described that the every part of authorized certificate phase concentrated with the authorized certificate is obtained from the block chain server Corresponding collage-credit data, obtains the process of corresponding collage-credit data block, including：
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to phase The credit investigation system answered；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and to receiving Every part of collage-credit data merge, obtain the first collage-credit data block；
By first collage-credit data block chaining to the target block chain being located in the block chain server；
The first collage-credit data block is extracted from the target block chain, and extract described first is levied Letter data block is sent to the credit operation system.
Optionally, it is described to receive the reference number that each credit investigation system is returned after corresponding authorized certificate is got respectively According to, and every part of collage-credit data to receiving merges, and obtains the process of the first collage-credit data block, including：
The collage-credit data through encryption that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N Collage-credit data after part encryption；Wherein, collage-credit data is corresponding credit investigation system using from the target block after per part of encryption The bank's public key got in the contract layer of chain, the data obtained after being encrypted to corresponding not encrypted collage-credit data, N Value is total consistent with credit investigation system；
Collage-credit data is merged after described N parts to receiving are encrypted, and obtains the first collage-credit data block.
Optionally, it is described to receive the reference number that each credit investigation system is returned after corresponding authorized certificate is got respectively According to, and every part of collage-credit data to receiving merges, and obtains the process of the first collage-credit data block, including：
The not encrypted collage-credit data that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N Part unencryption collage-credit data；Wherein, N values are total consistent with credit investigation system；
N parts unencryption collage-credit data to receiving is merged, and obtains unencryption collage-credit data block；
Using the bank's public key being stored in the contract layer of the target block chain, the unencryption collage-credit data block is entered Row encryption, obtains the first collage-credit data block.
Optionally, it is described the authorized certificate collection to be sent to the process of block chain server, including：
By the credit operation system of bank, the authorized certificate collection is sent to the reference of default agency and inquire about generation Reason system；
By the reference query broker system, the authorized certificate collection for being received and the agent authorization for prestoring Voucher is sent to the block chain server；
Accordingly, it is described that the every part of authorized certificate phase concentrated with the authorized certificate is obtained from the block chain server Corresponding collage-credit data, obtains the process of corresponding collage-credit data block, including：
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to phase The credit investigation system answered；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and to receiving Every part of collage-credit data merge, obtain the second collage-credit data block；
By second collage-credit data block chaining to the target block chain being located in the block chain server；
The second collage-credit data block is extracted from the target block chain, and extract described second is levied Letter data block is sent to the reference query broker system, with by the reference query broker system by the second reference number Send to the credit operation system according to block.
Optionally, it is described to receive the reference number that each credit investigation system is returned after corresponding authorized certificate is got respectively According to, and every part of collage-credit data to receiving merges, and obtains the process of the second collage-credit data block, including：
The collage-credit data through encryption that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N Collage-credit data after part encryption；Wherein, collage-credit data is corresponding credit investigation system using from the target block after per part of encryption The bank's public key got in the contract layer of chain, the data obtained after being encrypted to corresponding not encrypted collage-credit data, N Value is total consistent with credit investigation system；
Collage-credit data is merged after described N parts to receiving are encrypted, and obtains the second collage-credit data block.
Optionally, it is described to receive the reference number that each credit investigation system is returned after corresponding authorized certificate is got respectively According to, and every part of collage-credit data to receiving merges, and obtains the process of the second collage-credit data block, including：
The not encrypted collage-credit data that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N Part unencryption collage-credit data；Wherein, N values are total consistent with credit investigation system；
N parts unencryption collage-credit data to receiving is merged, and obtains unencryption collage-credit data block；
Using the bank's public key being stored in the contract layer of the target block chain, the unencryption collage-credit data block is entered Row encryption, obtains the second collage-credit data block.
Optionally, the collage-credit data querying method, also includes：
When the collage-credit data inquiry request that targeted customer initiates for itself is detected, then the authorized certificate collection is sent To the block chain server；
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to phase The credit investigation system answered；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and to receiving Every part of collage-credit data merge, obtain the 3rd collage-credit data block；Wherein, the 3rd collage-credit data block is using the mesh The data block that the public key of mark user is obtained after being encrypted；
By the 3rd collage-credit data block chaining to the target block chain being located in the block chain server；
The 3rd collage-credit data block is extracted from the target block chain, and the extract the described 3rd is levied Letter data block is sent to the user terminal of the targeted customer.
Optionally, the collage-credit data querying method, also includes：
During the collage-credit data to the targeted customer is inquired about, according to being pre-stored in the target block Supervision index in the contract layer of chain, gathers supervision data corresponding with epicycle query script, and utilization is stored in contract layer Supervisory systems public key, the supervision data are encrypted, data block is supervised accordingly；
By the supervision block-chaining to the target block chain；
When the supervision request that the supervisory systems is initiated for epicycle query script is got, then from the target block chain In extract the supervision data block, and the supervision data block for extracting is sent to the supervisory systems.
The invention also discloses a kind of collage-credit data inquiry system, including block chain server, also include：
First acquisition request module, for obtaining the reference inquiry authorization requests of targeted customer's initiation；
Authorized certificate acquisition module, for inquiring about authorization requests using the reference, generates and preserves and levy with each respectively The one-to-one authorized certificate of letter system, obtains corresponding authorized certificate collection；
Authorized certificate management module, for when the collage-credit data inquiry request for the targeted customer is detected, then will The authorized certificate collection is sent to block chain server；
Collage-credit data acquisition module, for obtaining per part concentrated with the authorized certificate from the block chain server The corresponding collage-credit data of authorized certificate, obtains corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate Derive from credit investigation system corresponding with the authorized certificate.
Optionally, the authorized certificate management module, the credit operation system specifically for passing through bank, directly will be described Authorized certificate collection is sent to the block chain server；
Accordingly, the collage-credit data acquisition module, including：
First voucher sending submodule, it is every that the authorized certificate for the block chain server to be received is concentrated Part authorized certificate is respectively sent to corresponding credit investigation system；
First data processing submodule, returns for receiving each credit investigation system respectively after corresponding authorized certificate is got The collage-credit data for returning, and every part of collage-credit data to receiving merges, and obtains the first collage-credit data block；
First block-chaining submodule, for first collage-credit data block chaining extremely to be serviced positioned at the block chain Target block chain in device；
First data block extracting sub-module, for the first collage-credit data block to be extracted from the target block chain Come, and the first collage-credit data block for extracting is sent to the credit operation system.
Optionally, the first data processing submodule, including：
First data receipt unit, for receiving the process that each credit investigation system is returned after authorized certificate is got respectively The collage-credit data of encryption, obtains collage-credit data after the encryption of N parts；Wherein, collage-credit data is corresponding reference system after per part of encryption System is entered using the bank's public key got from the contract layer of the target block chain to corresponding not encrypted collage-credit data The data obtained after row encryption, N values are total consistent with credit investigation system；
First data combination unit, for first data receipt unit is received described N parts encryption after reference Data are merged, and obtain the first collage-credit data block.
Optionally, the authorized certificate management module, including：
Voucher collection transmitting element, for by the credit operation system of bank, the authorized certificate collection is sent to default The reference query broker system of agency；
Voucher retransmission unit, for by the reference query broker system, the authorized certificate collection for being received and The agent authorization voucher for prestoring is sent to the block chain server；
Accordingly, the collage-credit data acquisition module, including：
Second voucher sending submodule, it is every that the authorized certificate for the block chain server to be received is concentrated Part authorized certificate is respectively sent to corresponding credit investigation system；
Second data processing submodule, returns for receiving each credit investigation system respectively after corresponding authorized certificate is got The collage-credit data for returning, and every part of collage-credit data to receiving merges, and obtains the second collage-credit data block；
Second block-chaining submodule, for second collage-credit data block chaining extremely to be serviced positioned at the block chain Target block chain in device；
Second data block extracting sub-module, for the second collage-credit data block to be extracted from the target block chain Come, and the second collage-credit data block for extracting is sent to the reference query broker system, to be looked into by the reference Ask agency plant the second collage-credit data block to be sent to the credit operation system.
Optionally, the second data processing submodule, including：
Second data receipt unit, for receive that each credit investigation system returns after authorized certificate is got respectively without The collage-credit data of encryption, obtains N part unencryption collage-credit datas；Wherein, N values are total consistent with credit investigation system；
Second data combination unit, for merging the N parts unencryption collage-credit data for receiving, obtains not adding Close collage-credit data block；
DEU data encryption unit, for using the bank's public key being stored in the contract layer of the target block chain, to described Unencryption collage-credit data block is encrypted, and obtains the second collage-credit data block.
Optionally, the collage-credit data inquiry system, also includes：
Supervision data acquisition module, during inquiring about in the collage-credit data to the targeted customer, according to The supervision index being pre-stored in the contract layer of the target block chain, gathers supervision number corresponding with epicycle query script According to, and using the public key of the supervisory systems being stored in contract layer, the supervision data are encrypted, number is supervised accordingly According to block；
Supervision block-chaining module, for by it is described supervision block-chaining to the target block chain；
Supervision data block extraction module, for working as the supervision that the supervisory systems is initiated for epicycle query script is got Request, then extract the supervision data block from the target block chain, and the supervision data block for extracting is sent To the supervisory systems.
In the present invention, collage-credit data querying method, including：Obtain the reference inquiry authorization requests that targeted customer initiates；Profit Inquire about authorization requests with reference, generate and preserve respectively with the one-to-one authorized certificate of each credit investigation system, obtain corresponding Authorized certificate collection；If detecting the collage-credit data inquiry request for targeted customer, authorized certificate collection is sent to block chain Server；The collage-credit data corresponding with every part of authorized certificate that authorized certificate is concentrated is obtained from block chain server, is obtained Corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate derives from levy corresponding with the authorized certificate Letter system.
It can be seen that, the present invention is after the reference inquiry authorization requests for getting targeted customer's initiation, it will generates and preserves Distinguish one-to-one authorized certificate with each credit investigation system, so as to obtain authorized certificate collection corresponding with above-mentioned targeted customer, Then when needing to inquire about targeted customer, it will the above-mentioned authorized certificate collection for preserving is sent to block chain In server, the reference corresponding with every part of authorized certificate that above-mentioned authorized certificate is concentrated then is obtained from block chain server Data, so as to obtain complete collage-credit data block corresponding with above-mentioned targeted customer, therefore, the present invention is being levied to user During letter data is inquired about, can be authorized with carrying out reference inquiry by the way of remote information transmission, and need not be adopted With the mode of written authorization, so as to improve the search efficiency of collage-credit data.
Description of the drawings
In order to be illustrated more clearly that the embodiment of the present invention or technical scheme of the prior art, below will be to embodiment or existing The accompanying drawing to be used needed for having technology description is briefly described, it should be apparent that, drawings in the following description are only this Inventive embodiment, for those of ordinary skill in the art, on the premise of not paying creative work, can be with basis The accompanying drawing of offer obtains other accompanying drawings.
Fig. 1 is a kind of collage-credit data querying method flow chart disclosed in the embodiment of the present invention；
Fig. 2 is a kind of specific collage-credit data querying method flow chart disclosed in the embodiment of the present invention；
Fig. 3 is a kind of specific collage-credit data querying method flow chart disclosed in the embodiment of the present invention；
Fig. 4 is a kind of collage-credit data inquiry system structural representation disclosed in the embodiment of the present invention；
Fig. 5 is that a kind of collage-credit data inquiry system disposes schematic diagram disclosed in the embodiment of the present invention.
Specific embodiment
Below in conjunction with the accompanying drawing in the embodiment of the present invention, the technical scheme in the embodiment of the present invention is carried out clear, complete Site preparation is described, it is clear that described embodiment is only a part of embodiment of the invention, rather than the embodiment of whole.It is based on Embodiment in the present invention, it is every other that those of ordinary skill in the art are obtained under the premise of creative work is not made Embodiment, belongs to the scope of protection of the invention.
The embodiment of the invention discloses a kind of collage-credit data querying method, shown in Figure 1, the method includes：
Step S11：Obtain the reference inquiry authorization requests that targeted customer initiates.
Wherein, above-mentioned reference inquiry authorization requests include targeted customer be directed to concrete business authorized agreement,
Step S12：Authorization requests are inquired about using reference, is generated and is preserved and award correspondingly with each credit investigation system respectively Power voucher, obtains corresponding authorized certificate collection.
The present embodiment specifically using reference inquire about authorization requests in authorized agreement, generate respectively with each credit investigation system one One corresponding authorized certificate, then preserves each authorized certificate for generating, and obtains above-mentioned authorized certificate collection.
In the present embodiment, credit investigation system can specifically include that the People's Bank's credit investigation system, industrial and commercial credit investigation system, state's land tax are levied Letter system and law court's credit investigation system.
Step S13：If detecting the collage-credit data inquiry request for targeted customer, authorized certificate collection is sent to area Block chain server.
Step S14：The reference corresponding with every part of authorized certificate that authorized certificate is concentrated is obtained from block chain server Data, obtain corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate is derived from and the authorized certificate Corresponding credit investigation system.
It is understood that in the present embodiment, between above-mentioned block chain server and each credit investigation system data have been built Transmission channel, by corresponding data transmission channel, block chain server can collect any user in corresponding credit investigation system Collage-credit data.
In addition, it is necessary to be that target is used, it is noted that the present embodiment is when the collage-credit data to targeted customer is inquired about Whole collage-credit datas at family are inquired about, and in actual applications, and it is different that the collage-credit data of targeted customer is distributed across each In credit investigation system, the present embodiment respectively can transmit targeted customer to above-mentioned area in the collage-credit data of each different credit investigation system Block chain server, after block chain server gets targeted customer's corresponding authorized certificate collection, it will look into corresponding reference Ask whole collage-credit datas that mechanism returns the targeted customer.
It can be seen that, the embodiment of the present invention is after the reference inquiry authorization requests for getting targeted customer's initiation, it will generate And preserve and distinguish one-to-one authorized certificate with each credit investigation system, so as to obtain it is corresponding with above-mentioned targeted customer authorize with Card collection, then when needing to inquire about targeted customer, it will the above-mentioned authorized certificate collection for preserving send to In block chain server, then obtain corresponding with every part of authorized certificate that above-mentioned authorized certificate is concentrated from block chain server Collage-credit data, so as to obtain complete collage-credit data block corresponding with above-mentioned targeted customer, therefore, the embodiment of the present invention During the collage-credit data to user is inquired about, can be awarded with carrying out reference inquiry by the way of remote information transmission Power, and without the need for by the way of written authorization, so as to improve the search efficiency of collage-credit data.
It is shown in Figure 2, the embodiment of the invention also discloses a kind of specific collage-credit data querying method, including following step Suddenly：
Step S21：Obtain the reference inquiry authorization requests that targeted customer initiates.
Step S22：Authorization requests are inquired about using reference, is generated and is preserved and award correspondingly with each credit investigation system respectively Power voucher, obtains corresponding authorized certificate collection.
Step S23：If the collage-credit data inquiry request that bank directly initiates for targeted customer is detected, by bank Credit operation system, directly above-mentioned authorized certificate collection is sent to block chain server.
Step S24：Every part of authorized certificate that the authorized certificate that block chain server is received is concentrated is respectively sent to phase The credit investigation system answered.
Step S25：The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and Every part of collage-credit data to receiving is merged, and obtains the first collage-credit data block.
Step S26：By the first collage-credit data block chaining to the target block chain being located in block chain server.
It is understood that above-mentioned target block chain is block chain corresponding with above-mentioned targeted customer, that is, with above-mentioned mesh Mark user-dependent collage-credit data block to be maintained in above-mentioned target block chain, also, it is produced in this reference query script The first collage-credit data block will link to the afterbody of above-mentioned target block chain, namely link to the preservation of target block chain last time Collage-credit data block afterbody, with the catenulate data block of shape, each the collage-credit data block on target block chain constitutes a section Point, can specifically include the information such as corresponding timestamp, a upper node and next node in the block head of each collage-credit data block.
In addition to preserving collage-credit data block, contract layer is also included in above-mentioned target block chain, index for memory block, Block transaction participant identity information and public key etc..In the present embodiment, the contract layer in above-mentioned target block chain at least includes silver Row public key.
Further it will be understood that the block chain server of the present embodiment includes multiple block chains, wherein, each area Block chain corresponds to a user.
Step S27：First collage-credit data block is extracted from target block chain, and by the first reference number for extracting Send to credit operation system according to block.
It should be noted that in order to ensure the safety of user data, the above-mentioned first collage-credit data block in the present embodiment Can be specifically the collage-credit data block crossed through bank's public key encryption, so that it is guaranteed that only bank can be right using the private key of itself Above-mentioned first collage-credit data block is decrypted.With regard to the concrete generating process of above-mentioned first collage-credit data block, the present embodiment is disclosed Two kinds of corresponding modes, respectively the first generating mode and second generating mode.It is specific as follows：
Corresponding with above-mentioned the first generating mode, each credit investigation system of reception respectively in above-mentioned steps S25 is being obtained The collage-credit data returned to after corresponding authorized certificate, and every part of collage-credit data to receiving merges, and obtains first and levies The process of letter data block, can specifically include below step S2511 and S2512：
Step S2511：The reference through encryption that each credit investigation system is returned after authorized certificate is got is received respectively Data, obtain collage-credit data after the encryption of N parts；Wherein, collage-credit data is corresponding credit investigation system using from mesh after per part of encryption The bank's public key got in the contract layer of mark block chain, obtains after being encrypted to corresponding not encrypted collage-credit data Data, N values are total consistent with credit investigation system；
Step S2512：Collage-credit data after the above-mentioned N parts encryption for receiving is merged, the first collage-credit data block is obtained.
Corresponding with above-mentioned second generating mode, each credit investigation system of reception respectively in above-mentioned steps S25 is being obtained The collage-credit data returned to after corresponding authorized certificate, and every part of collage-credit data to receiving merges, and obtains first and levies The process of letter data block, can specifically include below step S2521 to S2523：
Step S2521：The not encrypted reference that each credit investigation system is returned after authorized certificate is got is received respectively Data, obtain N part unencryption collage-credit datas；Wherein, N values are total consistent with credit investigation system；
Step S2522：The above-mentioned N part unencryption collage-credit datas for receiving are merged, unencryption collage-credit data is obtained Block；
Step S2523：Using the bank's public key being stored in the contract layer of target block chain, to above-mentioned unencryption reference number It is encrypted according to block, obtains the first collage-credit data block.
It is shown in Figure 3, the embodiment of the invention also discloses a kind of specific collage-credit data querying method, including following step Suddenly：
Step S31：Obtain the reference inquiry authorization requests that targeted customer initiates.
Step S32：Authorization requests are inquired about using reference, is generated and is preserved and award correspondingly with each credit investigation system respectively Power voucher, obtains corresponding authorized certificate collection.
Step S33：If detect bank being inquired about by presetting the collage-credit data for targeted customer that agency initiates Request, then by the credit operation system of bank, authorized certificate collection is sent to the reference inquiry proxy system of default agency System, then by reference query broker system, the authorized certificate collection for being received and the agent authorization voucher for prestoring Send to block chain server.
It should be noted that above-mentioned agent authorization voucher is bank and generating and depositing previously according to the request of corresponding agent authorization The voucher for storing up.
Step S34：Every part of authorized certificate that the authorized certificate that block chain server is received is concentrated is respectively sent to phase The credit investigation system answered.
Step S35：The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and Every part of collage-credit data to receiving is merged, and obtains the second collage-credit data block.
Step S36：By the second collage-credit data block chaining to the target block chain being located in block chain server.
It is understood that above-mentioned target block chain is block chain corresponding with above-mentioned targeted customer, that is, with above-mentioned mesh Mark user-dependent collage-credit data block to be maintained in above-mentioned target block chain, also, it is produced in this reference query script The second collage-credit data block will link to the afterbody of above-mentioned target block chain, namely link to the preservation of target block chain last time Collage-credit data block afterbody, with the catenulate data block of shape, each the collage-credit data block on target block chain constitutes a section Point, can specifically include the information such as corresponding timestamp, a upper node and next node in the block head of each collage-credit data block.
In addition to preserving collage-credit data block, contract layer is also included in above-mentioned target block chain, index for memory block, Block transaction participant identity information and public key etc..In the present embodiment, the contract layer in above-mentioned target block chain at least includes silver Row public key.
Step S37：Second collage-credit data block is extracted from target block chain, and by the second reference number for extracting Send to reference query broker system according to block, the second collage-credit data block is sent to credit industry by reference query broker system Business system.
It should be noted that in order to ensure the safety of user data, the above-mentioned second collage-credit data block in the present embodiment Can be specifically the collage-credit data block crossed through bank's public key encryption, so that it is guaranteed that only bank can be right using the private key of itself Above-mentioned second collage-credit data block is decrypted, and other related sides such as agency cannot be decrypted to it.With regard to above-mentioned The concrete generating process of two collage-credit data blocks, present embodiment discloses two kinds of corresponding modes, respectively the first generating mode With second generating mode.It is specific as follows：
Corresponding with above-mentioned the first generating mode, each credit investigation system of reception respectively in above-mentioned steps S35 is being obtained The collage-credit data returned to after corresponding authorized certificate, and every part of collage-credit data to receiving merges, and obtains second and levies The process of letter data block, including below step S3511 and S3512：
Step S3511：The reference through encryption that each credit investigation system is returned after authorized certificate is got is received respectively Data, obtain collage-credit data after the encryption of N parts；Wherein, collage-credit data is corresponding credit investigation system using from mesh after per part of encryption The bank's public key got in the contract layer of mark block chain, obtains after being encrypted to corresponding not encrypted collage-credit data Data, N values are total consistent with credit investigation system；
Step S3512：Collage-credit data is merged after above-mentioned N parts to receiving are encrypted, and obtains the second collage-credit data block.
Corresponding with above-mentioned second generating mode, each credit investigation system of reception respectively in above-mentioned steps S35 is being obtained The collage-credit data returned to after corresponding authorized certificate, and every part of collage-credit data to receiving merges, and obtains second and levies The process of letter data block, including below step S3521 to S3523：
Step S3521：The not encrypted reference that each credit investigation system is returned after authorized certificate is got is received respectively Data, obtain N part unencryption collage-credit datas；Wherein, N values are total consistent with credit investigation system；
Step S3522：The above-mentioned N part unencryption collage-credit datas for receiving are merged, unencryption collage-credit data is obtained Block；
Step S3523：Using the bank's public key being stored in the contract layer of target block chain, to above-mentioned unencryption reference number It is encrypted according to block, obtains the second collage-credit data block.
Relative to previous embodiment, the collage-credit data querying method in the present embodiment, can further include：
When the collage-credit data inquiry request that targeted customer initiates for itself is detected, then authorized certificate collection is sent to area Block chain server；Every part of authorized certificate that the authorized certificate that block chain server is received is concentrated is respectively sent to levy accordingly Letter system；The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and to receiving Every part of collage-credit data merge, obtain the 3rd collage-credit data block；Wherein, the 3rd collage-credit data block is using targeted customer's The data block that public key is obtained after being encrypted；By the 3rd collage-credit data block chaining to the target being located in block chain server Block chain；3rd collage-credit data block is extracted from target block chain, and the 3rd collage-credit data block for extracting is sent To the user terminal of targeted customer.
It is understood that the public key of above-mentioned targeted customer can specifically be pre-stored in the contract layer of target block chain On.
In addition, the collage-credit data querying method in the present embodiment, can further include：
During the collage-credit data to targeted customer is inquired about, according to the contract for being pre-stored in target block chain Supervision index in layer, gathers supervision data corresponding with epicycle query script, and using the supervision system being stored in contract layer The supervision data are encrypted by the public key of system, and data block is supervised accordingly；Block-chaining will be supervised to target block Chain；When the supervision request that supervisory systems is initiated for epicycle query script is got, then supervision is extracted from target block chain Data block, and the supervision data block for extracting is sent to supervisory systems.
It should be noted that in the present embodiment, above-mentioned supervision data block specifically can be produced with reference query script Collage-credit data block preserve in the same data storage areas into target block chain, it is of course also possible to preserve respectively to target Different pieces of information memory area in block chain.
In addition, the embodiment of the present invention further disclose it is a kind of specifically with comprehensive collage-credit data querying method, specifically Content is as follows：
In the present embodiment, block chain server includes multiple block chains, wherein, each block chain include contract layer and One or more data blocks, and each data block is comprising block head and block body.Hand over comprising block index, block on contract layer Easily participant identity information and public key, the authority definition of block transaction participant, the flow definition of reference mandate, reference mandate Supervision flow definition etc..In addition, the block head of data block can specifically include timestamp, a upper node and next section in block chain Point etc. information, and the block body in data block specifically can comprising trading object, governing content, transaction participant signing messages with And the collage-credit data after encryption etc..
Wherein, the content related to the block chain generated in the present embodiment is specific as follows：
1st, contract layer：(1), store the public key information of the unique identity information generation of user, store authorization object bank Public key information, the public key information of storage supervision unit, public key information, the public key information of storage agent mechanism of storage credit information service Deng；(2), according to protocol conventions, the authority information of participant is defined, authority aspect is single comprising donor, authorization object, supervision Position, the authority of agency；The definition of authority and the regulation of authorized agreement are consistent；(3), authorization flow is defined, authorizes stream The authority relation of journey major embodiment authorization object, and the interactive relation of authorization object；According to actual grant application scenarios, flow process It is defined as：Query node and monitor node after borrowing before borrowing, further according to implementing definition sub-process in each flow nodes；Examine Consider the simplicity of block chain data block process, the definition of sub-process is defined using linear-process, according to the power of credit collage-credit data The sequencing of sub-process realization is redefined, for example can be according to people's row credit investigation system, third party's industry and commerce data reference, third party Order of state's land tax reference etc.；(4) supervision flow, is defined, supervision flow is relatively simple, embodies monitoring party and supervision is right As, and the interactive relation of governing content；Flow process is according to object definition, monitoring party and supervised entities, for supervised entities' Transaction, monitoring party according to flow definition, can consult all data blocks transaction of supervised entities, in audit authorized agreement and reference Hold the contents such as summary；
2nd, data block：Authorized agreement, authorized certificate, the content for authorizing transaction, authorizing supervision are formed, according to counterparty and prison Guan Fang, according to the Subjective and Objective of transaction, respectively using private key for user encryption, bank's public key encryption, supervision unit public key encryption；And shape Into block index information, contract layer is charged to.
In the embodiment of the present invention, during user authorized bank carries out reference inquiry, specifically can include in following Hold：
User carries out collage-credit data inquiry in bank credit management system and authorizes；Bank credit management system is according to user Authorized agreement decomposed, be decomposed into correlation each credit investigation system, such as the People's Bank's mandate, state's land tax mandate, industry and commerce Mandate, law court's mandate etc., according to bank and the protocol conventions of each target credit information service, guiding user carries out each credit investigation system and awards The generation of power voucher；The voucher of mandate can be the usemame/password of user, the cell-phone number of user, the USB Key of user, with And other confirm method or medium of user identity etc.；User generates key pair, bank credit management by block chain client System according to authorized agreement and authorized certificate, generate user and bank's inquiry authorize transaction block chain contract layer and the One data block (authorization data block)；Defined according to authorization flow, divide and borrow front querying flow and monitor flow process after borrowing, specifically stream On Cheng Shixian, bank credit management system carries out collage-credit data inquiry according to user's authorized certificate；Can support both of which, one It is that main strategies system, such as people's row credit investigation system are directly inquired about by bank to plant；Another kind, bank can be inquired about by agency Main strategies system；Querying flow before borrowing is performed, if main strategies system, and main strategies are directly inquired about by bank System forms transaction data block, and data block contents include mandate transaction, collage-credit data, mandate supervision etc., according to the host and guest of transaction Body, respectively using the private key encryption of credit information service, the public key encryption of bank, the public key encryption for supervising unit；And form block rope Fuse ceases, and charges to contract layer；Querying flow before borrowing is performed, if bank passes through agents query main strategies system, first Transaction data block is formed with agency plant, data block contents include agency business, authorized certificate, mandate supervision etc., according to transaction Subjective and Objective, respectively using the private key encryption of bank, the public key encryption of credit information service, supervision unit public key encryption；Next shape Into agency and the transaction data block of main strategies system, data block contents include agency business, collage-credit data, mandate supervision Deng respectively using the private key encryption of credit information service, the public key encryption of bank, the public key encryption for supervising unit；Perform and monitored after borrowing The pattern formation transaction data block that inquiry, bank and main strategies system still can be used directly or acted on behalf of, inquires about after loan The authorized agreement and collage-credit data content of data block can be different；As described above, complete data block chain, bag are formed Act on behalf of before collage-credit data block, loan before layer containing contract, authorization data block, loan and reference after collage-credit data block, loan is acted on behalf of before data block, loan Act on behalf of after data block, loan and act on behalf of the types such as collage-credit data block after data block, loan, the content of data block contains governing content, levies Letter data, authorized agreement etc., all effective historical tradings are included in block chain, are available for supervising unit, bank, Yong Hucha Inquire about and use.
The embodiment of the present invention solves the full-range supervision of reference mandate of bank credit link user, can solve to authorize The safety of process collage-credit data transmission, the application scenarios for being adapted to collage-credit data agency's transmission.The embodiment of the present invention according to Authorized agreement, decomposes authorization details, forms authorized certificate, by way of block chain defines role-security and flow process, definition The composition of block chain data block, and by defining the distributed deployment of block chain service system, implement the renewal of block chain data block With use；And by reference inquire about authorize block chain design, make collage-credit data inquiry and transmission possess safety and Trackability, reaches the conjunction rule requirement that collage-credit data inquiry is authorized, while realizing that supervision unit can be carried out at any time to authorization flow Supervision.
Accordingly, the embodiment of the invention also discloses a kind of collage-credit data inquiry system, shown in Figure 4, the system bag Block chain server 11 is included, is also included：
First acquisition request module 12, for obtaining the reference inquiry authorization requests of targeted customer's initiation；
Authorized certificate acquisition module 13, for using reference inquire about authorization requests, generate and preserve respectively with each reference The one-to-one authorized certificate of system, obtains corresponding authorized certificate collection；
Authorized certificate management module 14, for when the collage-credit data inquiry request for targeted customer is detected, then awarding Power voucher collection is sent to block chain server 11；
Collage-credit data acquisition module 15, for obtaining per part concentrated with authorized certificate mandate from block chain server 11 The corresponding collage-credit data of voucher, obtains corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate comes Come from credit investigation system corresponding with the authorized certificate.
It can be seen that, the embodiment of the present invention is after the reference inquiry authorization requests for getting targeted customer's initiation, it will generate And preserve and distinguish one-to-one authorized certificate with each credit investigation system, so as to obtain it is corresponding with above-mentioned targeted customer authorize with Card collection, then when needing to inquire about targeted customer, it will the above-mentioned authorized certificate collection for preserving send to In block chain server, then obtain corresponding with every part of authorized certificate that above-mentioned authorized certificate is concentrated from block chain server Collage-credit data, so as to obtain complete collage-credit data block corresponding with above-mentioned targeted customer, therefore, the embodiment of the present invention During the collage-credit data to user is inquired about, can be awarded with carrying out reference inquiry by the way of remote information transmission Power, and without the need for by the way of written authorization, so as to improve the search efficiency of collage-credit data.
In the present embodiment, above-mentioned authorized certificate management module specifically can be used for the credit operation system by bank, directly Connect and authorized certificate collection is sent to block chain server；
Accordingly, above-mentioned collage-credit data acquisition module, specifically can be included at the first voucher sending submodule, the first data Reason submodule, the first block-chaining submodule and the first data block extracting sub-module；Wherein,
First voucher sending submodule, for per part that the authorized certificate that receives block chain server is concentrated authorize with Card is respectively sent to corresponding credit investigation system；
First data processing submodule, returns for receiving each credit investigation system respectively after corresponding authorized certificate is got The collage-credit data for returning, and every part of collage-credit data to receiving merges, and obtains the first collage-credit data block；
First block-chaining submodule, for the mesh being extremely located at the first collage-credit data block chaining in block chain server Mark block chain；
First data block extracting sub-module, for the first collage-credit data block to be extracted from target block chain, and will The the first collage-credit data block for extracting is sent to credit operation system.
Specifically, above-mentioned first data processing submodule, can include that the first data receipt unit and the first data merge Unit；Wherein,
First data receipt unit, for receiving the process that each credit investigation system is returned after authorized certificate is got respectively The collage-credit data of encryption, obtains collage-credit data after the encryption of N parts；Wherein, collage-credit data is corresponding reference system after per part of encryption System carries out adding using the bank's public key got from the contract layer of target block chain to corresponding not encrypted collage-credit data The data obtained after close, N values are total consistent with credit investigation system；
First data combination unit, collage-credit data is carried out after the N parts for receiving to the first data receipt unit are encrypted Merge, obtain the first collage-credit data block.
Certainly, above-mentioned authorized certificate management module, can also specifically include voucher collection transmitting element and voucher retransmission unit； Wherein,
Voucher collection transmitting element, for by the credit operation system of bank, authorized certificate collection being sent to default agency The reference query broker system of mechanism；
Voucher retransmission unit, for by reference query broker system, the authorized certificate collection for being received and in advance The agent authorization voucher of storage is sent to block chain server；
Accordingly, above-mentioned collage-credit data acquisition module, specifically can be included at the second voucher sending submodule, the second data Reason submodule, the second block-chaining submodule and the second data block extracting sub-module；Wherein,
Second voucher sending submodule, for per part that the authorized certificate that receives block chain server is concentrated authorize with Card is respectively sent to corresponding credit investigation system；
Second data processing submodule, returns for receiving each credit investigation system respectively after corresponding authorized certificate is got The collage-credit data for returning, and every part of collage-credit data to receiving merges, and obtains the second collage-credit data block；
Second block-chaining submodule, for the mesh being extremely located at the second collage-credit data block chaining in block chain server Mark block chain；
Second data block extracting sub-module, for the second collage-credit data block to be extracted from target block chain, and will The the second collage-credit data block for extracting is sent to reference query broker system, to pass through reference query broker system by the second reference Data block is sent to credit operation system.
Wherein, above-mentioned second data processing submodule, can specifically include that the second data receipt unit, the second data merge Unit and DEU data encryption unit；Wherein,
Second data receipt unit, for receive that each credit investigation system returns after authorized certificate is got respectively without The collage-credit data of encryption, obtains N part unencryption collage-credit datas；Wherein, N values are total consistent with credit investigation system；
Second data combination unit, for merging to the N part unencryption collage-credit datas for receiving, obtains unencryption and levies Letter data block；
DEU data encryption unit, for using the bank's public key being stored in the contract layer of target block chain, levying to unencryption Letter data block is encrypted, and obtains the second collage-credit data block.
Further, the collage-credit data inquiry system in the present embodiment, can also include supervision data acquisition module, supervision Block-chaining module and supervision data block extraction module；Wherein,
Supervision data acquisition module, during inquiring about in the collage-credit data to targeted customer, according to advance The supervision index being stored in the contract layer of target block chain, gathers supervision data corresponding with epicycle query script, and utilizes The supervision data are encrypted by the public key of the supervisory systems being stored in contract layer, and data block is supervised accordingly；
Supervision block-chaining module, for block-chaining will to be supervised to target block chain；
Supervision data block extraction module, for when get supervisory systems for epicycle query script initiate supervision please Ask, then supervision data block is extracted from target block chain, and the supervision data block for extracting is sent to supervisory systems.
It is shown in Figure 5, the embodiment of the invention discloses a kind of concrete deployment schematic diagram of collage-credit data inquiry system. In Fig. 5, collage-credit data inquiry system includes block chain server 11, the first acquisition request module 12, authorized certificate acquisition module 13rd, authorized certificate management module 14 and collage-credit data acquisition module 15.
Wherein, in Fig. 5 supervisory systems, bank credit management system, reference query broker system, credit investigation system and use Family terminal carries out data interaction with above-mentioned collage-credit data inquiry system, as them between above-mentioned collage-credit data inquiry system The data interaction corresponding contents that may be referred to disclosed in previous embodiment, here no longer repeated.
Block chain server in the present embodiment can be disposed in a distributed fashion, can specifically be distributed in supervision The region that mechanism, bank, agency and reference company are located, by the communication Negotiation Technology of block chain, forms data block In consistent update, the synchronization of each block chain server.In the present embodiment, authorized user can specifically pass through block chain client End is participating in the formation of block chain and using credit operation system.In addition, in the present embodiment, each participant of block chain can According to the role in authorization query and authority, to be formed and block chain transaction data formed and used.
Finally, in addition it is also necessary to explanation, herein, such as first and second or the like relational terms be used merely to by One entity or operation make a distinction with another entity or operation, and not necessarily require or imply these entities or operation Between there is any this actual relation or order.And, term " including ", "comprising" or its any other variant meaning Covering including for nonexcludability, so that a series of process, method, article or equipment including key elements not only includes that A little key elements, but also including other key elements being not expressly set out, or also include for this process, method, article or The intrinsic key element of equipment.In the absence of more restrictions, the key element for being limited by sentence "including a ...", does not arrange Except also there is other identical element in including the process of the key element, method, article or equipment.
A kind of collage-credit data querying method provided by the present invention and system are described in detail above, herein should The principle and embodiment of the present invention are set forth with specific case, the explanation of above example is only intended to help and manages The solution method of the present invention and its core concept；Simultaneously for one of ordinary skill in the art, according to the thought of the present invention, Will change in specific embodiment and range of application, in sum, this specification content should not be construed as to this Bright restriction.

Claims (15)

1. a kind of collage-credit data querying method, it is characterised in that include：
Obtain the reference inquiry authorization requests that targeted customer initiates；
Using the reference inquire about authorization requests, generate and preserve respectively with the one-to-one authorized certificate of each credit investigation system, Obtain corresponding authorized certificate collection；
If detecting the collage-credit data inquiry request for the targeted customer, the authorized certificate collection is sent to block chain Server；
The collage-credit data corresponding with every part of authorized certificate that the authorized certificate is concentrated is obtained from the block chain server, Obtain corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate derives from corresponding with the authorized certificate Credit investigation system.
2. collage-credit data querying method according to claim 1, it is characterised in that
It is described the authorized certificate collection to be sent to the process of block chain server, including：
By the credit operation system of bank, directly the authorized certificate collection is sent to the block chain server；
Accordingly, it is described to obtain corresponding with every part of authorized certificate that the authorized certificate is concentrated from the block chain server Collage-credit data, obtain the process of corresponding collage-credit data block, including：
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to accordingly Credit investigation system；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and it is every to what is received Part collage-credit data is merged, and obtains the first collage-credit data block；
By first collage-credit data block chaining to the target block chain being located in the block chain server；
The first collage-credit data block is extracted from the target block chain, and by the first reference number for extracting Send to the credit operation system according to block.
3. collage-credit data querying method according to claim 2, it is characterised in that described to receive each credit investigation system respectively The collage-credit data returned after corresponding authorized certificate is got, and every part of collage-credit data to receiving merges, and obtains The process of the first collage-credit data block, including：
The collage-credit data through encryption that each credit investigation system is returned after authorized certificate is got is received respectively, is obtained N parts and is added Close rear collage-credit data；Wherein, collage-credit data is corresponding credit investigation system using from the target block chain after per part of encryption The bank's public key got in contract layer, the data obtained after being encrypted to corresponding not encrypted collage-credit data, N values and Credit investigation system it is total consistent；
Collage-credit data is merged after described N parts to receiving are encrypted, and obtains the first collage-credit data block.
4. collage-credit data querying method according to claim 2, it is characterised in that described to receive each credit investigation system respectively The collage-credit data returned after corresponding authorized certificate is got, and every part of collage-credit data to receiving merges, and obtains The process of the first collage-credit data block, including：
The not encrypted collage-credit data that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N parts not Encryption collage-credit data；Wherein, N values are total consistent with credit investigation system；
N parts unencryption collage-credit data to receiving is merged, and obtains unencryption collage-credit data block；
Using the bank's public key being stored in the contract layer of the target block chain, the unencryption collage-credit data block is carried out to add It is close, obtain the first collage-credit data block.
5. collage-credit data querying method according to claim 1, it is characterised in that
It is described the authorized certificate collection to be sent to the process of block chain server, including：
By the credit operation system of bank, the authorized certificate collection is sent to the reference inquiry proxy system of default agency System；
By the reference query broker system, the authorized certificate collection for being received and the agent authorization voucher for prestoring Send to the block chain server；
Accordingly, it is described to obtain corresponding with every part of authorized certificate that the authorized certificate is concentrated from the block chain server Collage-credit data, obtain the process of corresponding collage-credit data block, including：
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to accordingly Credit investigation system；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and it is every to what is received Part collage-credit data is merged, and obtains the second collage-credit data block；
By second collage-credit data block chaining to the target block chain being located in the block chain server；
The second collage-credit data block is extracted from the target block chain, and by the second reference number for extracting Send to the reference query broker system according to block, with by the reference query broker system by the second collage-credit data block Send to the credit operation system.
6. collage-credit data querying method according to claim 5, it is characterised in that described to receive each credit investigation system respectively The collage-credit data returned after corresponding authorized certificate is got, and every part of collage-credit data to receiving merges, and obtains The process of the second collage-credit data block, including：
The collage-credit data through encryption that each credit investigation system is returned after authorized certificate is got is received respectively, is obtained N parts and is added Close rear collage-credit data；Wherein, collage-credit data is corresponding credit investigation system using from the target block chain after per part of encryption The bank's public key got in contract layer, the data obtained after being encrypted to corresponding not encrypted collage-credit data, N values and Credit investigation system it is total consistent；
Collage-credit data is merged after described N parts to receiving are encrypted, and obtains the second collage-credit data block.
7. collage-credit data querying method according to claim 5, it is characterised in that described to receive each credit investigation system respectively The collage-credit data returned after corresponding authorized certificate is got, and every part of collage-credit data to receiving merges, and obtains The process of the second collage-credit data block, including：
The not encrypted collage-credit data that each credit investigation system is returned after authorized certificate is got is received respectively, obtains N parts not Encryption collage-credit data；Wherein, N values are total consistent with credit investigation system；
N parts unencryption collage-credit data to receiving is merged, and obtains unencryption collage-credit data block；
Using the bank's public key being stored in the contract layer of the target block chain, the unencryption collage-credit data block is carried out to add It is close, obtain the second collage-credit data block.
8. collage-credit data querying method according to claim 1, it is characterised in that also include：
When the collage-credit data inquiry request that targeted customer initiates for itself is detected, then the authorized certificate collection is sent to institute State block chain server；
Every part of authorized certificate that the authorized certificate that the block chain server is received is concentrated is respectively sent to accordingly Credit investigation system；
The collage-credit data that each credit investigation system is returned after corresponding authorized certificate is got is received respectively, and it is every to what is received Part collage-credit data is merged, and obtains the 3rd collage-credit data block；Wherein, the 3rd collage-credit data block is to be used using the target The data block that the public key at family is obtained after being encrypted；
By the 3rd collage-credit data block chaining to the target block chain being located in the block chain server；
The 3rd collage-credit data block is extracted from the target block chain, and by the 3rd reference number for extracting Send according to block to the user terminal of the targeted customer.
9. the collage-credit data querying method according to any one of claim 2 to 7, it is characterised in that also include：
During the collage-credit data to the targeted customer is inquired about, according to being pre-stored in the target block chain Supervision index in contract layer, gathers supervision data corresponding with epicycle query script, and using the prison being stored in contract layer The supervision data are encrypted by the public key of guard system, and data block is supervised accordingly；
By the supervision block-chaining to the target block chain；
When the supervision request that the supervisory systems is initiated for epicycle query script is got, then carry from the target block chain The supervision data block is taken out, and the supervision data block for extracting is sent to the supervisory systems.
10. a kind of collage-credit data inquiry system, it is characterised in that including block chain server, also include：
First acquisition request module, for obtaining the reference inquiry authorization requests of targeted customer's initiation；
Authorized certificate acquisition module, for using the reference inquire about authorization requests, generate and preserve respectively with each reference system Unite one-to-one authorized certificate, obtain corresponding authorized certificate collection；
Authorized certificate management module, for working as the collage-credit data inquiry request detected for the targeted customer, then will be described Authorized certificate collection is sent to the block chain server；
Collage-credit data acquisition module, for obtaining per part concentrated with authorized certificate mandate from the block chain server The corresponding collage-credit data of voucher, obtains corresponding collage-credit data block；Wherein, the corresponding collage-credit data of every part of authorized certificate comes Come from credit investigation system corresponding with the authorized certificate.
11. collage-credit data inquiry systems according to claim 10, it is characterised in that
The authorized certificate management module, specifically for by the credit operation system of bank, directly by the authorized certificate collection Send to the block chain server；
Accordingly, the collage-credit data acquisition module, including：
First voucher sending submodule, awards for per part that the authorized certificate that receives the block chain server is concentrated Power voucher is respectively sent to corresponding credit investigation system；
First data processing submodule, for receiving what each credit investigation system was returned after corresponding authorized certificate is got respectively Collage-credit data, and every part of collage-credit data to receiving merges, and obtains the first collage-credit data block；
First block-chaining submodule, for first collage-credit data block chaining to be extremely located in the block chain server Target block chain；
First data block extracting sub-module, for the first collage-credit data block to be extracted from the target block chain, And the first collage-credit data block for extracting is sent to the credit operation system.
12. collage-credit data inquiry systems according to claim 11, it is characterised in that the first data processing submodule Block, including：
First data receipt unit, for receiving the process encryption that each credit investigation system is returned after authorized certificate is got respectively Collage-credit data, obtain N parts encryption after collage-credit data；Wherein, collage-credit data is corresponding credit investigation system profit after per part of encryption With the bank's public key got in the contract layer from the target block chain, corresponding not encrypted collage-credit data is carried out adding The data obtained after close, N values are total consistent with credit investigation system；
First data combination unit, for first data receipt unit is received described N parts encryption after collage-credit data Merge, obtain the first collage-credit data block.
13. collage-credit data inquiry systems according to claim 10, it is characterised in that
The authorized certificate management module, including：
Voucher collection transmitting element, for by the credit operation system of bank, the authorized certificate collection being sent to default agency The reference query broker system of mechanism；
Voucher retransmission unit, for by the reference query broker system, the authorized certificate collection for being received and in advance The agent authorization voucher of storage is sent to the block chain server；
Accordingly, the collage-credit data acquisition module, including：
Second voucher sending submodule, awards for per part that the authorized certificate that receives the block chain server is concentrated Power voucher is respectively sent to corresponding credit investigation system；
Second data processing submodule, for receiving what each credit investigation system was returned after corresponding authorized certificate is got respectively Collage-credit data, and every part of collage-credit data to receiving merges, and obtains the second collage-credit data block；
Second block-chaining submodule, for second collage-credit data block chaining to be extremely located in the block chain server Target block chain；
Second data block extracting sub-module, for the second collage-credit data block to be extracted from the target block chain, And the second collage-credit data block for extracting is sent to the reference query broker system, to inquire about generation by the reference Reason system sends the second collage-credit data block to the credit operation system.
14. collage-credit data inquiry systems according to claim 13, it is characterised in that the second data processing submodule Block, including：
Second data receipt unit, it is not encrypted for receive that each credit investigation system returns after authorized certificate is got respectively Collage-credit data, obtain N part unencryption collage-credit datas；Wherein, N values are total consistent with credit investigation system；
Second data combination unit, for merging to the N parts unencryption collage-credit data for receiving, obtains unencryption and levies Letter data block；
DEU data encryption unit, for using the bank's public key being stored in the contract layer of the target block chain, not adding to described Close collage-credit data block is encrypted, and obtains the second collage-credit data block.
The 15. collage-credit data inquiry systems according to any one of claim 11 to 14, it is characterised in that also include：
Supervision data acquisition module, during inquiring about in the collage-credit data to the targeted customer, according to advance The supervision index being stored in the contract layer of the target block chain, gathers supervision data corresponding with epicycle query script, and Using the public key of the supervisory systems being stored in contract layer, the supervision data are encrypted, data block is supervised accordingly；
Supervision block-chaining module, for by it is described supervision block-chaining to the target block chain；
Supervision data block extraction module, for when get the supervisory systems for epicycle query script initiate supervision please Ask, then extract the supervision data block from the target block chain, and by the supervision data block for extracting send to The supervisory systems.
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