CN109325662A - Credit recording method and system based on block chain - Google Patents
Credit recording method and system based on block chain Download PDFInfo
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- 238000011156 evaluation Methods 0.000 claims abstract description 101
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- 238000005516 engineering process Methods 0.000 description 11
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- 230000006399 behavior Effects 0.000 description 4
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
Abstract
The invention relates to a credit recording method, which comprises the following steps: when a credit event related to a user to be evaluated and an evaluation user occurs, the evaluation user acquires credit information of the credit event and broadcasts the credit information to a credit block chain network; all the evaluation users confirm the accuracy of the credit information, if the evaluation users exceeding a first threshold value proportion confirm that the credit information is accurate, the credit information is used as a credit record of the user to be evaluated and written into a current block and linked into a credit block chain; otherwise, the credit information is discarded.
Description
Technical field
The invention belongs to the application fields of block chain technology, are related to a kind of recording method of information, and in particular to Yi Zhongxin
With recording method and system.
Background technique
Personal credit is the basis of entire society's credit.Main market players is made of individual, all in marketing
Economic activity, it is closely bound up with credit.Once the constraint of personal behavior mistake is easy for that personal credit missing behavior occurs, in turn
Lead to collective's Credit Deficiency behavior.Therefore, individual credit system construction is extremely important.Personal credit is not only one
The basis of a national market ethics and Moral Culture construction, the huge resource of even more one national economic development.It opens up and utilizes
This resource can effectively push consumption, optimize allocation of resources, promote economic development.Market economy is developed more, and personal credit is sent out
The function of waving is more important, individual credit system it is perfect whether have become market economy whether one of Cheng Shu distinctive marks.
China's credit mechanism is still not perfect at present, is generally talked about credit and is also only limitted to that school is undisciplined to student and all kinds of examinations
It is undisciplined in.If an enterprise wants that inquiring the credit record of a new employee is also a very difficult thing, inquiry is got up
Special cumbersome, record is also not perfect, has authority, can not correctly measure the credit level of a people.Mesh simultaneously
There is also many minefields for preceding internet reference business, for example are related to personal sensitive information acquisition difficulty, the safety of personal information
Property and transparency it is difficult there are the personal credit information saved between contradiction and different institutions exchange the problems such as.
Block chain technology is a kind of decentralization, distributed, transparent, not modifiable, encryption data storage
Technology is a new technical combinations, it includes key technology, have P2P dynamic group net, the shared account book based on cryptography,
Common recognition mechanism (Byzantium's general's problem, i.e., the consistency problem under a kind of distributed scene), intelligent contract etc..This technology groups
It closes, does not overturn existing business, and be the introduction of new thought, go to improve and existing business mode is transformed, to be mentioned for masses
For better, Pu Hui service.Intelligent contract is just as the chest comprising value of encryption, the only ability when specified conditions are satisfied
It is opened, it encapsulates some logics, rule, processing step or the agreement of both sides.Intelligent contract reduces network data and deposits
The interference of human factor in storage.
Chinese patent application " the credit record system and method based on block chain ", publication number " CN106485167A " are public
A kind of credit record system and method based on block chain is opened, including several are connected in block chain for acquiring and verifying
The user terminal of credit data, these user terminals status equity in the distributed general ledger network that block chain is constituted, user are whole
End acquisition credit information, is synchronized with credit block chain network, it is ensured that the distributed storage of credit information, safe and secret after encryption
And facilitate inquiry.But above-mentioned credit record system does not assess the authenticity of collected personal credit information, personal
The accuracy of credit information is determined by picker, therefore leads to the centralization problem of credit record acquisition storage, limits letter
With the application of data logging system.
Summary of the invention
In view of the above-mentioned problems, the present invention discloses a kind of credit record method based on block chain, comprising: credit appraisal side's note
Volume is the evaluation user of credit block chain network；Credit side to be evaluated is registered as the user to be evaluated of the credit block chain network；When
When credit event relevant to user to be evaluated and evaluation user occurs, evaluation user obtains the credit information of the credit event,
And it is broadcasted to credit block chain network；All evaluation users confirm the accuracy of the credit information, if being more than
The evaluation user of first threshold ratio confirm the credit information be it is accurate, then using the credit information as the credit of the user to be evaluated
Simultaneously chain enters credit block chain to record write-in current block；It is on the contrary then abandon the credit information；Evaluation user passes through the credit area
All credit informations of block chain network network inquiry；Certain user to be evaluated passes through its credit of the credit block chain network network inquiry
Information；Wherein, if be more than first threshold ratio evaluation user confirm the credit information be it is accurate, subject to the credit information
Really.
Credit record method of the present invention, wherein broadcasting the evaluation user information of the credit appraisal side to the credit
Block chain network, if be more than second threshold ratio evaluation user confirm the evaluation user information be it is true, by the credit
Evaluation side is registered as evaluation user；The user information to be evaluated of the credit side of being evaluated is broadcasted to the credit block chain network,
If be more than the second threshold ratio evaluation user confirm the user information to be evaluated be it is true, by credit side to be evaluated
Be registered as user to be evaluated.
Credit record method of the present invention, wherein acquiring the letter by evaluation user when the credit event occurs
The credit information is obtained with information, or by Gong Xin mechanism；When the credit information includes the scene of the credit event, occurs
Between, related side, event details and event property.
The invention further relates to a kind of credit record systems based on block chain, comprising:
User registration module waits for credit for credit appraisal side to be registered as to the evaluation user of credit block chain network
Evaluation side is registered as the user to be evaluated of the credit block chain network；
Broadcast module is acquired, for when credit event relevant to user to be evaluated and evaluation user occurs, which to be used
Family obtains the credit information of the credit event, and is broadcasted to credit block chain network；
Logging modle is evaluated, for the credit information to be evaluated and recorded；Wherein all evaluation users are to the letter
Confirmed with the accuracy of information, if confirming that the credit information is accurate, general more than the evaluation user of first threshold ratio
The credit information enters credit block chain as the credit record write-in current block and chain of the user to be evaluated；It is on the contrary then abandon the letter
Use information.
Credit record system of the present invention, wherein evaluation user is wide with the acquisition when the credit event occurs
Broadcasting module acquisition obtains the credit information, or obtains the credit information by Gong Xin mechanism with the acquisition module.
Credit record system of the present invention, the user registration module specifically include:
User's user registration module is evaluated, for the credit appraisal side to be registered as evaluation user；By the credit appraisal
The evaluation user information of side is broadcasted to the credit block chain network, if the evaluation user more than second threshold ratio confirms that this is commented
Valence user information be it is true, then by the credit appraisal side be registered as evaluation user；
User's user registration module to be evaluated, for the credit, side to be evaluated is registered as user to be evaluated；Wherein by the credit quilt
The user information to be evaluated of evaluation side is broadcasted to the credit block chain network, if being more than the evaluation user of the second threshold ratio
Confirm the user information to be evaluated be it is true, then credit side to be evaluated is registered as into user to be evaluated.
Credit record system of the present invention, wherein the credit information includes the scene of the credit event, occurs
Time, related side, event details and event property.
The invention further relates to a kind of computer readable storage mediums, are stored with computer executable instructions, the computer
Executable instruction is for executing above-mentioned credit record method.
Credit record method and system according to the present invention broadcasts the credit record of user to be evaluated to credit block
Chain confirms the credit record of user to be evaluated with all evaluation users, has both been utilized brought by credit block chain technology
Secrecy, distributed storage, the advantages that can not distorting protect individual privacy further through setting search access right, are more advantageous to individual
Effective operation of credit investigation system.
Detailed description of the invention
Fig. 1 is a kind of credit record method flow diagram of the embodiment of the present invention；
Fig. 2 is a kind of credit record system structure diagram of the embodiment of the present invention.
Wherein, appended drawing reference are as follows:
101: user registration module 102: acquisition broadcast module
103: evaluation logging modle 104: credit inquiry module
Specific embodiment
In order to make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing, the present invention is mentioned
The credit record method and system based on block chain out is further described.It should be appreciated that specific reality described herein
Applying method is only used to explain the present invention, is not intended to limit the present invention.
Some vocabulary is used in specification and following claims to censure specific components or component, this field
The member of ordinary skill, it is to be appreciated that technology user or manufacturer can be different noun or term come call the same component or
Component.This specification and following claims not in such a way that the difference of title is as component or component is distinguished, and
It is the criterion with component or component difference functionally as differentiation.In specification in the whole text and subsequent claim
Mentioned " comprising " and "comprising" is an open term, therefore should be construed to " including but not limited to ".
When herein in the specification and in the claims everywhere in use, approximating language can be applied to modification can permit
Perhaps any quantificational expression changed, the variation without leading to relative basic function.Therefore, by such as " about ", " approximation "
" substantially " value of one or more terms modification is not limited to specified exact value.It is wanted herein with the whole instruction and right
In asking, scope limitation can be combined and/or be exchanged；Such range is identified and including all subranges wherein included,
Unless in addition context or language illustrate.Although the specific features of the various embodiments of the disclosure show in some of the figures and at them
It is not shown in the figure, but this is used for the purpose of conveniently.According to the principle of the disclosure, any feature of figure can with it is any other
Any feature combination of figure is cited/or prescription.
The written description uses examples to disclose the embodiment including optimal mode, and also makes any technology of this field
Personnel can implement embodiment, including manufacturing and using any device or system and executing any method for including.The disclosure
The scope of the patents be defined by the claims, and may include the other examples that those skilled in the art expects.It is such its
Its example is intended to belong in the scope of the claims, as long as they have the structure being not different with the word language of claim
Element, as long as they include the equivalent structural elements with the word language of claim without substantive difference.
A part of the application can be applied to computer program product, such as computer program instructions, when it is calculated
When machine executes, by the operation of the computer, it can call or provide according to the present processes and/or technical solution.And it adjusts
It with the program instruction of the present processes, is possibly stored in fixed or moveable recording medium, and/or passes through broadcast
Or data flow in other signal-bearing mediums and transmitted, and/or be stored in and set according to the computer of program instruction operation
In standby working storage.
The key technology of block chain network includes P2P dynamic group net, the shared account book based on cryptography, common recognition mechanism, intelligence
Energy contract etc., by the above technical combinations, can improve and be transformed existing business mode, to provide for user better, general
The service of favour.Classified with participant, block chain can be divided into public chain, alliance's chain and privately owned chain, wherein alliance's chain
(Consortium Blockchain) is only limitted to allied member's (registration user) and participates in, be it is a kind of need registration permission use area
Block chain, also referred to as license chain (PermissionedBlockchain).Alliance's chain network by register user safeguard jointly, alliance
Platform chain provides the safety management functions such as user management, conscientious, authorization, monitoring, audit.
The credit block chain that the present invention constructs is a kind of alliance's chain, and either credit appraisal side (need to obtain customers' credit note
The unit of record or individual, such as financial institution, enterprises and institutions, school, landlord) or credit side to be evaluated (need to submit letter
Unit or individual with record), it will first be registered on credit block chain of the invention.Credit appraisal side uploads and collects
The credit information of credit side to be evaluated, the credit after most of credit appraisal side is confirmed as accurately, as credit side to be evaluated
Record write-in current block and chain enters sincere credit block chain, make the credit record of credit side to be evaluated have it is traceable, can not
The characteristic distorted.Credit block chain of the invention proves that common recognition mechanism (POS, ProofofStake), Byzantium are total using equity
Knowledge mechanism (PBFT, Practical Byzantine Fault Tolerance) or RAFT know together mechanism, but the present invention not with
This is limited.
Fig. 1 is a kind of credit record method flow diagram of the embodiment of the present invention.As shown in Figure 1, in the embodiment of the present invention
A kind of sincere recording method based on block chain, in the credit block chain network for setting common recognition mechanism and disposing intelligent contract,
Carry out the operating procedures such as execution user's registration, credit information acquisition, credit information evaluation, record storage and record queries, tool
For body, comprising the following steps:
Step S1, user register in credit block chain network；User is divided into two kinds, and one kind is credit appraisal side,
Evaluation user is registered as, evaluation user has the power that the credit information of user to be evaluated is acquired, submits, evaluates and is inquired
Limit, evaluation user can be government department, enterprise and institution, school or individual, and credit appraisal side is by the user information of oneself
It is distributed to credit block chain network, the user information of credit appraisal side is confirmed through registered evaluation user, when most
Number evaluation users assert these user informations be it is true, then allow credit appraisal side be registered as credit block chain network evaluation use
Family, wherein the user information of credit appraisal side includes the company information of enterprise, personal identity information etc., and company information includes enterprise
Industry overview and summary of operations, general status of the enterprise include enterprise nature, business scope, set up time, registered capital, headcount, institute
In position, occupied area etc., summary of operations includes annual turnover, average gross profit, tax bearing rate, inventory revolution number of days, accounts receivable
Number of days, bad credit rate, annual return situation, product technology and R&D course etc., personally identifiable information include identification card number, social security
Card number, Bank Account Number etc.；Another kind is credit side to be evaluated, is registered as user to be evaluated, user to be evaluated may be government department,
Enterprise and institution, school or individual, usually enterprise or individual, credit side to be evaluated is by user information (such as enterprise of oneself
Information, personally identifiable information etc.) it is distributed to credit block chain network, through registered evaluation user to the use of credit side to be evaluated
Family information confirmed, when most of evaluation users assert these user informations be it is true, then credit side to be evaluated is registered as
The user to be evaluated of credit block chain network；It is most of mentioned here to refer to greater than preset registration threshold value (second threshold), note
Volume threshold value is usually arranged as being greater than 50%, and the evaluation user more than registration threshold percentage confirms that credit appraisal side and credit are to be evaluated
Side user information be it is true, then user information i.e. be considered true；It can also be confirmed by Gong Xin mechanism, such as certain company information
It is confirmed as really, can be registered on credit block chain, personal information is true by household register department or bank by the administration for industry and commerce
Recognize, the present invention is not limited thereto；
Step S2, when credit event occurs, evaluation user relevant to credit event obtains the credit letter of credit event
Breath, and credit information is distributed to credit block chain network；Credit information include the scene of credit event, time of origin,
The information such as related side, event details and event property, there are many sources of credit information, usually evaluates user from existing public affairs
Believe that mechanism obtains, such as personal credit situation can be inquired from bank and be obtained, and breaking one's promise for can also announcing by law court is held
Pedestrian's list obtains, and enterprise operation situation is obtained by revenue department or the administration for industry and commerce；It can also be by evaluation user's acquisition, such as certain bank
To evaluate user, then this bank of family can acquire lending and borrowing business and be registered as the personal repaying situation of user to be evaluated, as letter
It is broadcasted with information to credit block chain network；Credit event mentioned here is related to related side and can lead to user to be evaluated
The event that credit level changes, such as personal to after bank debit and credit, by about to bank paying loan interest, individual here
It is exactly the related side of credit event with bank, wherein when the personal credit record of record, it is a artificially relevant to credit event
Wait for the right price user, and bank can be adopted individual by the event of about payment on account of credit interest as evaluation user relevant to credit event
Collection is personal credit information；
Step S3, all evaluation users confirm the accuracy of the credit information received in credit block chain network,
If most of evaluation users think credit information be it is accurate, pass through common recognition mechanism using credit information as the credit of user to be evaluated
The current block of record write-in credit block chain, if most of evaluation users think credit information for falseness, by credit information
It abandons；Most of mentioned here to refer to be more than confirmation threshold value (first threshold), in some alliance's chains, block record is traded
The confirmation threshold value confirmed to the whole network is set as 67%, and confirmation threshold value of the invention can be 67% or other numerical value, but usually not
Lower than 50%, the present invention is not limited thereto；The related side of credit event may include one or more evaluation users, when one
When the evaluation user of credit event is multiple, multiple evaluation users broadcast credit information, then to multiple credit informations of broadcast
Accuracy is confirmed, if only one credit information is confirmed as accurately, remembering with the credit that this credit information is user to be evaluated
Record, if there is multiple credit informations to be confirmed as accurately, arranging all confirmation ratios for being confirmed as accurate credit information
Sequence, to confirm that the highest credit information of actual ratio is the credit record of user to be evaluated, if having multiple credit informations really
Recognizing actual ratio is highest, then randomly selects the letter that one in the confirmation highest credit information of actual ratio is user to be evaluated
With record, the present invention is not limited thereto.
Step S4, evaluation user inquires all credit informations by credit block chain network or user to be evaluated passes through letter
The credit information of oneself is inquired with block chain network.
Fig. 2 is a kind of credit record system structure diagram of the embodiment of the present invention.Specifically, in credit of the invention
Record system, including user registration module 101, acquisition broadcast module 102, evaluation logging modle 103 and credit inquiry module
104, wherein user registration module 101 is used for certification of the sincere record system 100 to user, i.e. credit appraisal side is registered as credit
The evaluation user of block chain network, evaluation user, which has, to be acquired, submit, evaluates and inquires to the credit information of user to be evaluated
Permission, evaluation user can be government department, enterprise and institution, school or individual, and credit appraisal side is by the user of oneself
Information such as company information or personally identifiable information are distributed to credit block chain network, through registered evaluation user to evaluation user
Information confirmed, when most of evaluation users assert evaluation user informations be it is true, then credit appraisal side is registered as into credit
The evaluation user of block chain network, wherein company information includes general status of the enterprise and summary of operations, general status of the enterprise include enterprise nature,
Business scope sets up time, registered capital, headcount, position, occupied area etc., summary of operations include annual turnover,
Average gross profit, tax bearing rate, inventory turn round number of days, Debtor days, bad credit rate, annual return situation, product technology and research and development generally
Condition etc., personally identifiable information include identification card number, social security card number, Bank Account Number etc.；Credit side to be evaluated is registered as to be evaluated
User, user to be evaluated may be government department, enterprise and institution, school or individual, and usually enterprise or individual, credit wait for
Itself user information to be evaluated such as company information or personally identifiable information are distributed to credit block chain network by evaluation side, through
The evaluation user of registration confirms user information to be evaluated, when most of evaluation users assert that user information to be evaluated is true
It is real, then credit side to be evaluated is registered as to the user to be evaluated of credit block chain network；It is most of mentioned here to refer to greater than note
Volume threshold value, registration threshold value is usually 50%, that is, is more than 50% evaluation user confirmation credit appraisal side and credit side to be evaluated
User information be it is true, then user information be considered true；It can also be confirmed by Gong Xin mechanism, as certain company information passes through
The administration for industry and commerce is confirmed as really, can be registered on credit block chain, the present invention is not limited thereto；Acquire broadcast module
102 for evaluating the credit information that user acquires user to be evaluated, and collected credit information is distributed to credit block link network
Network；Evaluation logging modle 103 confirms the accuracy of the credit information received for evaluating user, if most of participate in commenting
The evaluation user of valence think credit information be it is accurate, then by the common recognition mechanism of credit block chain using credit information as use to be evaluated
The current block of the credit record write-in credit block chain at family, if most of evaluation users for participating in evaluation think that credit information is
Falseness then abandons credit information, and most of mentioned here to refer to be more than confirmation threshold value, confirmation threshold value is usually less than
50%, the present invention is not limited thereto；Credit inquiry module 104 is used to evaluate user and band comments user to look into credit information
It askes, wherein evaluation user inquires the credit information of all users to be evaluated by credit block chain network or weighed according to the inquiry of itself
The credit information of query portion user to be evaluated is limited, to meet the needs of carrying out credit appraisal to user to be evaluated, user to be evaluated is only led to
The credit information that credit block chain network inquires oneself is crossed, using the financial status of oneself as the credit foundation of correlated activation.
It is illustrated by taking a kind of typical case scene of credit record system as an example below.
Someone is registered as user a to be evaluated on credit block chain, certain bank is registered as evaluation user on credit block chain
A1；When a is borrowed or lent money to A1, and by about in time t to A1Full-payout loan interest, i.e. generation credit event, a are equal with A1
For the related side of credit event, time t is the time of origin of credit event, and debt-credit and the behavior of payment on account of credit interest are credit things
The event details of part, since a is by about full-payout interest, then the event property of credit event is defined as front, and A1 will at this time
The information collection of credit event is credit information, and is broadcasted to credit block chain network；It is registered as commenting on credit block chain
A2, A3 of valence user ..., An receive A1 broadcast credit information after, the accuracy of credit information is confirmed, when
After confirming that credit information is accurate more than (2n-1)/3 evaluation user, by the common recognition mechanism of credit block chain by credit information
Credit record write-in current block and chain as a enter credit block chain；All evaluation users and a on credit block chain
The credit record of a is inquired by credit block chain network.In another embodiment, it is being registered according to the user information of evaluation user
When the search access right of evaluation user is divided, then when inquiring the credit record of a, according to only with respective queries permission
The credit record of a can be inquired by credit block chain network by evaluating user and a.
The embodiment of the present invention also provides a kind of computer readable storage medium, is stored with computer executable instructions, calculates
Machine executable instruction realizes above-mentioned credit record and querying method when being executed by processor.
Those of ordinary skill in the art will appreciate that all or part of the steps in the above method can be instructed by program
Related hardware (such as processor) is completed, and described program can store in computer readable storage medium, as read-only memory,
Disk or CD etc..One or more integrated circuits can be used also to realize in all or part of the steps of above-described embodiment.Phase
Ying Di, each module/unit in above-described embodiment can take the form of hardware realization, such as realize it by integrated circuit
Corresponding function can also realize in the form of software function module, such as executed by processor and to be stored in memory
Program/instruction realizes its corresponding function.The embodiment of the present invention is not limited to the combination of the hardware and software of any particular form.
Although the present invention is disclosed as above with embodiment, and is not intended to limit the invention, the skill of any the art
Art personnel can carry out equivalent modifications or change to it, be intended to be limited solely by the present invention in without departing from spirit and scope of the invention
Claims protection scope in.
Claims (13)
1. a kind of credit record method based on block chain characterized by comprising
When credit event relevant to user to be evaluated and evaluation user occurs, evaluation user obtains the credit of the credit event
Information, and it is broadcasted to credit block chain network；
All evaluation users confirm the accuracy of the credit information, if true more than the evaluation user of first threshold ratio
Recognize the credit information be it is accurate, then using the credit information as the user to be evaluated credit record write-in current block and chain enter letter
With block chain；It is on the contrary then abandon the credit information.
2. credit record method as described in claim 1, which is characterized in that when the credit event occurs, used by the evaluation
Family acquires the credit information, or obtains the credit information by Gong Xin mechanism.
3. credit record method as claimed in claim 1 or 2, which is characterized in that the credit information includes the credit event
Scene, time of origin, related side, event details and event property.
4. credit record method as described in claim 1, which is characterized in that evaluation user is to be registered in the credit block chain
The credit appraisal side of network；The user to be evaluated is the credit side of being evaluated for being registered in the credit block chain network.
5. credit record method as claimed in claim 4, which is characterized in that the evaluation user information of the credit appraisal side is wide
Cast to the credit block chain network, if be more than second threshold ratio evaluation user confirm the evaluation user information be it is true,
The credit appraisal side is then registered as into evaluation user；The user information to be evaluated of the credit side of being evaluated is broadcasted to the credit area
Block chain network, if be more than the second threshold ratio evaluation user confirm the user information to be evaluated be it is true, by the letter
User to be evaluated is registered as with side to be evaluated.
6. credit record method as described in claim 1, which is characterized in that further include:
Evaluation user inquires the credit information by the credit block chain network；Certain user to be evaluated passes through the credit block chain
The credit information of network inquiry itself.
7. a kind of credit record system based on block chain characterized by comprising
Broadcast module is acquired, for when credit event relevant to user to be evaluated and evaluation user occurs, evaluation user to be obtained
The credit information of the credit event is taken, and is broadcasted to credit block chain network；
Logging modle is evaluated, for the credit information to be evaluated and recorded；Wherein all evaluation users believe the credit
The accuracy of breath confirmed, if be more than first threshold ratio evaluation user confirm the credit information be it is accurate, by the letter
Current block is written for the credit record for using information as the user to be evaluated and chain enters credit block chain；It is on the contrary then abandon the credit letter
Breath.
8. credit record system as claimed in claim 7, which is characterized in that when the credit event occurs, evaluation user
It is acquired with the acquisition broadcast module and obtains the credit information, or the credit information is obtained by Gong Xin mechanism with the acquisition module.
9. credit record system as claimed in claim 7 or 8, which is characterized in that the credit information includes the credit event
Scene, time of origin, related side, event details and event property.
10. credit record system as claimed in claim 8, which is characterized in that further include user registration module, be used for credit
Evaluation side is registered as the evaluation user of credit block chain network, by credit side to be evaluated be registered as the credit block chain network to
Comment user.
11. credit record system as claimed in claim 10, which is characterized in that the user registration module specifically includes:
User's user registration module is evaluated, for the credit appraisal side to be registered as evaluation user；By the credit appraisal side
Evaluation user information is broadcasted to the credit block chain network, if the evaluation user more than second threshold ratio confirms that the evaluation is used
Family information be it is true, then by the credit appraisal side be registered as evaluation user；
User's user registration module to be evaluated, for the credit, side to be evaluated is registered as user to be evaluated；Wherein the credit is evaluated
The user information to be evaluated of side is broadcasted to the credit block chain network, if being more than the evaluation user confirmation of the second threshold ratio
The user information to be evaluated be it is true, then credit side to be evaluated is registered as into user to be evaluated.
12. credit record system as claimed in claim 7, which is characterized in that further include:
Credit inquiry module inquires all credit informations by the credit block chain network for evaluation user or certain is waited for
It evaluates user and its credit information is inquired by the credit block chain network.
13. a kind of computer readable storage medium, is stored with computer executable instructions, the computer executable instructions are used for
Execute the credit record method such as any one of claim 1~6.
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