CN109636569B - Credit investigation data management method and system based on block chain - Google Patents
Credit investigation data management method and system based on block chain Download PDFInfo
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- CN109636569B CN109636569B CN201811250026.6A CN201811250026A CN109636569B CN 109636569 B CN109636569 B CN 109636569B CN 201811250026 A CN201811250026 A CN 201811250026A CN 109636569 B CN109636569 B CN 109636569B
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Abstract
The invention provides a credit investigation data management method and system based on a block chain, wherein the method comprises the steps that an industry user applies for a block chain network account to a supervision mechanism, after an account application process is completed, the supervision mechanism uploads an industry user certificate of the industry user to a certificate chain in the block chain, the certificate chain verifies the industry user certificate, and after the verification is passed, the supervision mechanism uploads credit investigation content of a consuming user to the credit investigation chain in the block chain. The credit investigation data management method and system based on the block chain solve the technical problem that data privacy is not protected in the prior art.
Description
Technical Field
The invention relates to credit investigation archive management and computer block chain technology, in particular to a credit investigation data management method and system based on a block chain.
Background
With the continuous development of market economy and the continuous deepening of economic marketization, the construction of enterprise and personal credit investigation systems is bound to become an indispensable part of the development progress of society. Therefore, a new archive form is derived, namely a credit archive which is a necessary product of social development, and the integrity credit problem of enterprises and individuals is strengthened, so that the healthy development of market economy is promoted under the global economy integration trend. The establishment of the credit file not only enables a credit agency to effectively discriminate the credit risk of a borrower, but also can reduce the information rent collected by a bank from a client. The information rent is an excess profit obtained by the loan institution by virtue of monopoly of the loan institution on the information of the medium and small enterprises, and the profit of the loan institution is equal to the average profit of the market plus the information rent; however, in the case of information sharing, this excess profit will not exist and the lending institution can only obtain the average profit of the market.
Currently, the methods for recording credit files mainly include: when each large bank organization or credit investigation organization with license plate transacts loan business to the organization through individuals or enterprises, some collected personal identity attribute information, performance capability, credit records, behavior characteristics, social information, public information and other data are collected. However, credit profiles generated by the organizations are different and are independently stored in the data centers, which results in serious asymmetry of credit data. Some credit investigation institutions provide third-party queries, which can only provide a single query; the internet finance company analyzes the fraud probability of the user through AI technology and adds the fraud probability into the credit blacklist to prevent fraud. However, due to the lack of credit data of organizations such as banks, data of all parties cannot circulate mutually, and information is deficient; other experts and scholars in the credit investigation field propose a public link solution for sharing multi-party credit data, but have privacy and confidentiality for credit files, so that data cannot be directly put on the public link. With the rapid development of society, the problems of asymmetrical information, limited data acquisition channels and insufficient data privacy protection in the existing credit investigation business are more and more severe.
Disclosure of Invention
In order to solve the technical problem of insufficient credit investigation data protection in the prior art, the invention provides a block chain-based credit investigation data management method and system.
A credit investigation data management method based on a block chain, the method comprising:
an industry user applies for a block chain network account to a supervision mechanism;
after the account application process is completed, the supervision mechanism uploads an industry user certificate of the industry user to a certificate chain in a block chain;
the certificate chain verifies the industry user certificate, and after the industry user certificate passes the verification, the supervision mechanism uploads credit investigation contents of the consumption user to a credit investigation chain in the block chain.
Further, the industry user can apply for the block chain network account only after being authorized by the regulatory agency.
Further, the uploading, by the regulatory agency, the industry user certificate to a certificate chain in a blockchain network includes:
the supervising authority uploads and stores the supervising authority certificate to the certificate chain on the block chain, and takes the Hash value of the supervising authority ID as the key of the supervising authority on the certificate chain;
the supervision mechanism uploads and stores the industry user certificate to a certificate chain on the block chain, and takes the Hash value of the industry user ID as the key of the industry user on the certificate chain;
the supervisory organization uploads and stores the consumption user certificate to the certificate chain on the block chain, and takes the Hash value of the consumption user ID as the key of the consumption user certificate on the certificate chain.
Further, after the certificate chain verifies the industry user certificate, the supervising authority uploads credit investigation content of the consuming user to a credit investigation chain in the block chain, and the credit investigation chain comprises the following steps:
the industry user sends credit investigation content of the consumption user, which occurs in the industry user, to the supervision agency for audit authorization, and the supervision agency saves the credit investigation content in the supervision agency local server;
and the supervision organization carries out endorsement signature on the credit investigation content through a private key of the supervision organization to form abstract information and returns the endorsement signature to the industry user.
Further, the air conditioner is characterized in that,
after the credit investigation content is audited by the supervising organization, the industry user initiates a transaction to the credit investigation chain in the block chain through a transaction request, and takes the Hash value of the ID of the consuming user as the key of the credit investigation chain content, wherein the transaction request comprises the credit investigation content of the consuming user, the signature and the abstract of the credit investigation content by the supervising organization, the Hash value of the credit investigation content, the ID of the supervising organization, the value of the credit investigation content and the ID of an organization account number initiating the transaction;
analyzing the ID of the monitoring authority in the transaction content through the chain code of the credit investigation chain, and reading the certificate of the monitoring authority on the certificate chain in a cross-chain manner;
and verifying the audit authorization of the supervision institution on the transaction content and verifying the credit investigation record content by the blockchain based on the credit investigation chain code, and allowing the credit investigation content to be uploaded to the credit investigation chain if the credit investigation record content is verified and is not tampered.
Further, the industry user inquires or downloads credit investigation data of the consumption user from the credit investigation chain after authorization of the consumption user, authorization of a supervision agency and certificate chain verification.
Further, the inquiring or downloading the credit investigation data of the consuming user from the credit investigation chain comprises the following steps:
the industry user requests the monitoring organization to inquire credit investigation data of the consumption user;
the supervision mechanism requests authorization from the consumption user, and after obtaining the authorization of the consumption user, the supervision mechanism returns the obtained authorization information of the consumption user and the authorization information of the supervision mechanism to the industry user;
after obtaining the authorization of the consuming user and the authorization of the supervising agency, the industry user initiates an inquiry transaction to the credit investigation chain, and verifies the authenticity of the consuming user and the supervising agency to the authorization of the industry user through the public keys of the consuming user and the supervising agency on the cross-chain inquiry certificate chain based on the credit investigation chain code;
after the authenticity of the consumer and the supervision authority for the authorization of the industry user passes the certificate chain verification, credit investigation data of the consumer is read from the credit investigation chain and returned to the industry user client;
the industry user acquires credit investigation data of the consumption user, reads a certificate of a supervision organization on a certificate chain, and verifies the credibility of the supervision organization.
A credit investigation data management system, characterized in that the system comprises: a client, a regulatory body, and a blockchain comprising a certificate chain and a credit investigation chain, wherein,
the client, on which an industry user can apply for a block chain network account to the regulatory agency;
the monitoring mechanism is used for uploading the industry user certificate of the industry user to a certificate chain in the block chain after the account application process is completed;
the block chain can verify the industry user certificate, and after the industry user certificate passes the verification, the supervision mechanism is allowed to upload credit investigation contents of the consuming user to a credit investigation chain in the block chain.
Further, the air conditioner is provided with a fan,
the regulatory agency further configured to:
uploading a certificate of a supervision organization to a certificate chain on a block chain, and taking a Hash value of an ID of the supervision organization as a key of the supervision organization on the certificate chain; and/or
Uploading an industry user certificate to a certificate chain on a block chain, and taking a Hash value of an industry user ID as a key of the industry user on the certificate chain; and/or
And uploading the consumer certificate to a certificate chain on the block chain, and taking the Hash value of the consumer ID as a key of the consumer certificate on the certificate chain.
Further, the supervision agency is also used for auditing and authorizing credit investigation content of the consuming user, which occurs in the industry user, and storing the credit investigation content in the supervision agency local server.
Further, the supervision organization is also used for carrying out endorsement signature on the credit investigation content through a private key of the supervision organization to form summary information and returning the endorsement signature to the industry user.
Further, the client is also used for initiating transaction to credit investigation links in the blockchain network.
And further, the block chain is also used for verifying the auditing authorization of the transaction content by the monitoring organization based on the credit investigation chain code, verifying the credit investigation record content, and allowing the credit investigation content to be uploaded to the credit investigation chain if the credit investigation record content is verified and not tampered.
Further, the client requests a supervising agency to inquire credit data of the consuming user based on the requirements of the industry user.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and those skilled in the art can also obtain other drawings according to the drawings without creative efforts.
Fig. 1 is a flow chart illustrating a credit investigation data management method according to an embodiment of the invention;
FIG. 2 is a flowchart illustrating a user registering an account and a certificate uploading by a regulatory authority according to an embodiment of the present invention;
FIG. 3 is a schematic diagram illustrating a process for assessing credit on an industrial user, according to an embodiment of the invention;
FIG. 4 is a flow chart illustrating the uploading of credit content by an industry user A according to an embodiment of the invention;
FIG. 5 shows a flow diagram of an industry user querying or downloading credit investigation data according to an embodiment of the invention;
FIG. 6 shows a flowchart of an embodiment of an industry user B querying or downloading consumer credit data uploaded by an industry user A;
fig. 7 shows a schematic structural diagram of the credit investigation data management system according to the embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Fig. 1 is a schematic flow chart illustrating a credit investigation data management method according to an embodiment of the present invention, and as shown in the figure, the method includes: firstly, an industry user applies for a block chain network account to a supervision mechanism; then after the account application process is completed, the supervision organization uploads the industry user certificate of the industry user to a certificate chain in a block chain; the certificate chain verifies the industry user certificate, and after the industry user certificate passes the verification, the supervision mechanism uploads credit investigation contents of the consumption user to a credit investigation chain in the block chain. The application of the industry user to join the block chain network needs authorization by a monitoring organization, and after the authorization is obtained, the industry user can register an application block chain network account number with a digital certificate authentication center of the monitoring organization. The embodiment of the invention realizes multi-chain cross-chain connection based on the multi-channel strategy of the block chain so as to perform query operation, so that an industry user in the block chain network can access the network only through authorization, and the problem of monitoring the use of credit investigation data is solved.
After an industry user completes an account application process and obtains a block chain network account, a supervision organization needs to upload an industry user certificate of the industry user to a certificate chain in a block chain; in addition, the regulatory agency needs to upload the certificate of the regulatory agency and the certificate of the consuming user to the certificate chain in the block chain, so as to enrich and perfect the certificate data of the certificate chain. Fig. 2 is a flowchart illustrating a process of registering an account number by a user and uploading a certificate by a monitoring authority according to an embodiment of the present invention, where as shown in the diagram, a consumer and an authorized industry user register an application block chain network account number in a monitoring authority digital certificate authentication center through a client, the consumer and the industry user obtain their private keys and certificates from the monitoring authority digital certificate authentication center, the monitoring authority obtains and stores the consumer certificate and the industry certificate, the consumer and the industry user store their private keys, and the monitoring authority also has and stores their private keys; then, the supervising authority uploads corresponding certificates, namely a supervising authority certificate, an industry user certificate and a consumption user certificate, to a certificate chain in the block chain, and takes the Hash value of the ID of the supervising authority as a key (key value) of the supervising authority on the certificate chain, takes the Hash value of the ID of the industry user as a key of an industry user on the certificate chain and takes the Hash value of the ID of the consumption user formed by the name and the identity number of the consumption user as a key of the certificate of the consumption user on the certificate chain. The certificate information of the user forms desensitization data through the method, and the privacy of the user is protected. Wherein the key means a key. Because the data of the certificate chain and the credit investigation chain in the blockchain are stored in the form of keys or values, the supervising agency, the industry user or the consumption user all have keys representing themselves, and can query the stored data in the blockchain through the keys, including: the supervisory organization inquires data of credit investigation data uploaded and used by the industry user through the key of the industry user in the block chain, inquires credit investigation data of the consumption user through the key of the consumption user in the block chain or inquires credit investigation data of the consumption user through the key of the consumption user in the block chain.
The industry user who obtains the blockchain network account has the right to upload the credit record, and fig. 3 shows a schematic flow chart of the credit content uploaded by the industry user according to the embodiment of the present invention, as shown in the figure, uploading the credit data includes:
the method comprises the following steps: the industry user sends credit investigation content of the consumption user in the industry user to a supervision organization for auditing and authorization, and the supervision organization stores the credit investigation content in a supervision organization local server;
step two: the supervising organization carries out endorsement signature on the credit investigation content through a private key thereof to form abstract information and returns the endorsement signature to an industry user;
step three: after the supervising agency audits the credit investigation content, an industry user initiates a transaction to the credit investigation chain in the block chain through a transaction request, and takes the Hash value of the ID of a consuming user as a key of the credit investigation chain content, wherein the transaction request comprises the credit investigation content of the consuming user, a signature and a summary of the credit investigation content by the supervising agency, the Hash value of the credit investigation content, the ID of the supervising agency, the value of the credit investigation content and an agency account ID for initiating the transaction;
step four: analyzing the ID of the monitoring authority in the transaction content through the chain code of the credit investigation chain, and reading the certificate of the monitoring authority on the certificate chain in a cross-chain manner;
step five: and the blockchain verifies the auditing authorization of the monitoring mechanism for the transaction content on the basis of the credit investigation chain code, verifies the credit investigation record content, and allows the credit investigation content to be uploaded to the credit investigation chain if the verification is passed and the credit investigation record content is not tampered.
Illustratively, fig. 4 shows a specific flow chart of the uploading of credit content by the industry user a. As shown in the figure, firstly, an industry user A requests an endorsement signature from a monitoring mechanism through a client, and sends credit investigation content of the user to the monitoring mechanism for auditing and authorization, and the monitoring mechanism stores the credit investigation content in a local server; then, the supervising authority carries out endorsement signature on the credit investigation content through a private key of the supervising authority to form abstract information, and the endorsement signature is returned to the industry user A through the client; then, after the credit investigation content is audited, an industry user A initiates a transaction to a credit investigation chain in a block chain, and takes a Hash value of a consumption user ID formed by a consumption user name and an identity card number as a key of the credit investigation chain content, wherein the transaction content comprises the consumption user credit investigation content without user sensitive information, a signature and an abstract of a monitoring organization on the credit investigation content, the Hash value of the credit investigation content, the monitoring organization ID, the value of the credit investigation content and an organization account ID for initiating the transaction; analyzing the transaction content type monitoring organization ID through the chain code of the credit investigation chain, and reading the certificate of the monitoring organization on the certificate chain in a chain-crossing manner; and finally, the block chain acquires a certificate of the regulatory agency in a cross-chain mode based on the credit investigation chain code, verifies the credit investigation content needing to be uploaded, namely whether the credit investigation content really passes the audit authorization of the regulatory agency and whether the credit investigation content is tampered, and allows the credit investigation content to be uploaded to the credit investigation chain in the block chain if the verification is passed. In the process of uploading credit investigation content by routine industry users, the industry user certificate and the record authorization of the credit investigation content are verified through the certificate chain, and only after the verification is passed, the credit investigation content of the consuming users is uploaded to the credit investigation chain in the block chain by the supervision organization, so that the malicious uploading of junk content by the industry users is effectively prevented, and the working efficiency of credit investigation data management is improved.
The industry users upload the credit data of the consuming users in the respective organizations to the credit investigation chain, so that the industry users in the block chain can share the credit investigation data of the users. By the credit investigation data management method provided by the embodiment of the invention, the industry user can inquire or download the credit investigation data of the consumption user in the block chain according to the self requirement, and the consumption user can also inquire the credit investigation file of the industry user. It should be noted that, the industry user can inquire or download the credit investigation data of the consuming user uploaded by the organization from the credit investigation chain at no charge, but the industry user station inquires or downloads the credit investigation data of the consuming user uploaded by other industry users or the consuming user inquires or downloads the credit investigation data of the user, then the corresponding fee is needed to be charged, the fee is paid to the industry user who uploads the credit investigation data of the consuming user, and the related fee is executed according to the related charging standard approved by the object price department.
After the authorization of the consuming user, the authorization of the regulatory agency and the verification of the certificate chain, the industry user can inquire or download credit investigation data of the consuming user from the credit investigation chain, and fig. 5 shows a schematic flow chart of inquiring or downloading the credit investigation data of the industry user according to the embodiment of the invention. As shown, the inquiry or download of credit investigation data by the industry user includes:
the method comprises the following steps: the industry user requests a monitoring mechanism to inquire credit data of the consumption user;
step two: the supervision mechanism requests authorization from the consumption user, and after obtaining the authorization of the consumption user, the supervision mechanism returns the obtained authorization information of the consumption user and the authorization information of the supervision mechanism to the industry user;
step three: after obtaining the authorization of the consuming user and the authorization of the supervising agency, the industry user initiates an inquiry transaction to the credit investigation chain, and checks the authenticity of the consuming user and the supervising agency to the authorization of the industry user based on the public keys of the consuming user and the supervising agency on the credit investigation chain code cross-chain inquiry certificate chain;
step four: after the authenticity of the consumer and the supervision organization for the authorization of the industry user passes the certificate chain verification, credit investigation data of the consumer is read from the credit investigation chain and returned to the industry user client;
step five: the industry user acquires credit investigation data of the consumption user, reads a certificate of a supervision authority on a certificate chain, and verifies the credibility of the supervision authority. The embodiment of the invention effectively protects the privacy of the user and realizes the supervision of the credit investigation data used by the industrial user by the supervision agency by accessing the credit investigation data information in the credit investigation chain with authorization; and the credibility of the supervision mechanism is verified, so that the trueness and reliability of credit investigation data are guaranteed, and the industry user can further perform wind control analysis on the credit investigation data of the expense user so as to judge whether credit services such as loan are provided for the user.
Illustratively, fig. 6 shows a flow chart of the industry user B querying and/or downloading the consumer credit data uploaded by the industry user a. As shown in the figure, firstly, an industry user B requests a monitoring mechanism to inquire credit data of a certain consumption user uploaded by an industry user A, and the monitoring mechanism requests authorization to the consumption user after receiving the request; after obtaining the signature authorization information of the consuming user, the supervising mechanism returns the authorization of the consuming user and the authorization of the supervising mechanism to the industry user B; then, after obtaining the authorization of the consumer and the supervision organization, the industry user B initiates an inquiry transaction to a credit investigation chain, the transaction content is signature information of the consumer and the supervision organization, ID of the consumer name and the ID number, and the credit investigation chain code verifies the authenticity of the authorization of the consumer and the supervision organization to the industry user through public keys of the consumer and the supervision organization on the cross-chain inquiry certificate chain; after the verification is passed, credit investigation data of the consuming user is read from the credit investigation chain, the credit investigation data is returned to the client of the industry user B, and the chain code can be automatically transferred to the corresponding expense of the account ID of the industry user A from the account ID of the industry user B; and finally, the industry user B acquires credit investigation data of the consumption user, reads the certificate of the supervision authority of the credit investigation data on the certificate chain, and further verifies the credibility of the supervision authority.
On the basis of the credit investigation data management method, the embodiment of the invention also provides a credit investigation data management system, which comprises: fig. 7 shows a schematic structural diagram of a credit investigation data management system according to an embodiment of the present invention. As shown, the client is configured to: the consumption user and the industry user apply for the block chain network account number to the supervision mechanism, apply for authorization of obtaining credit investigation data of the consumption user to the supervision mechanism and upload, inquire or download the credit investigation data of the consumption user to the credit investigation chain based on the requirement of the industry user, and initiate the transaction of uploading, inquiring or downloading the credit investigation chain.
The supervision organization is an organization which is established or authorized by a government department and has supervision capacity, has absolute authority in the credit investigation data management system, can inquire records of credit investigation data of consumption users used by industry users, has the unique control right of a certificate chain, and can initiate uploading transaction to the certificate chain. In the credit investigation data management system, a supervision organization and an industry user all take charge of data storage, and the credit investigation system comprises a billing node for storing uploaded data used by the supervision organization and the industry, and the supervision organization and the industry user with technical capability can have a plurality of billing nodes. It should be noted that the industry users include bank systems, automobile financial institutions, small credit companies and internet financial institutions, and can upload, inquire or download credit investigation records of the consumption users in the credit investigation data management system; the consumer users comprise natural people and enterprises set up by law, and only have the right to view the credit files of the consumer users. The regulatory body is configured to: after the account application process is completed, uploading an industry user certificate to a certificate chain in the block chain, and uploading a supervision authority certificate and a consumption user certificate to the certificate chain in the block chain; auditing and authorizing credit investigation content of a consuming user occurring in the industry user, storing the credit investigation content in a local server of a monitoring mechanism, carrying out endorsement signature on the credit investigation content through a private key of the monitoring mechanism to form abstract information, and returning the endorsement signature to the industry user. The monitoring authority uploads a monitoring authority certificate, an industry user certificate and a consumption user certificate to the certificate chain, the Hash value of the ID of the monitoring authority is used as the key of the monitoring authority in the certificate chain, the Hash value of the ID of the industry user is used as the key of the industry user in the certificate chain, and the Hash value of the ID of the consumption user is used as the key of the consumption user certificate in the certificate chain.
The blockchain comprises a certificate chain and a credit investigation chain, and data in the blockchain only allows different organizations in the blockchain system to read, write and send transactions and jointly records transaction data. The blockchain is used for verifying the industry user certificate, and after the industry user certificate is verified, the supervision agency is allowed to upload credit investigation content of the consumption user to the credit investigation chain; and verifying the auditing authorization of the transaction content by the supervising agency based on the credit investigation chain code, verifying the credit investigation record content, and allowing the credit investigation content to be uploaded to the credit investigation chain if the credit investigation record content is verified and not tampered. The certificate chain is connected with a credit investigation chain through a chain crossing technology and used for a supervisory authority to upload and store a certificate of the supervisory authority, a certificate of an industry user and a certificate of a consumption user. Only certificate information is stored in the certificate chain, and only a supervision authority has the authority to initiate an uploading transaction to the certificate chain; the credit investigation chain is used for storing the credit investigation data of the consumption users in the mechanism, which are uploaded by the industry users after being authorized by the supervisory authority and verified by the certificate chain, so as to meet the requirements of inquiring or downloading the credit investigation data of the industry users and the consumption users.
The embodiment of the invention adopts block chain network multi-chain strategies, namely a certificate chain and a credit investigation chain, to form a credit investigation data management system, and uploads a consumption user certificate, an industry user certificate and a supervision agency certificate to the certificate chain in the block chain, the industry user can upload credit investigation data to the credit investigation chain after the certificate chain is verified, and the industry user can inquire or download credit investigation data only through the consumption user authorization, the supervision agency authorization and the certificate chain verification. The embodiment of the invention not only reduces the collection, processing and use cost of the credit investigation data, but also ensures that the credit investigation data is shared, exchanged and mutually trusted in each large mechanism, improves the efficiency of collecting the credit investigation data of a consuming user, and solves the problem of 'information isolated island'; and the validity problem of credit investigation data uploading is solved, and the privacy of the user and the supervision right of a credit investigation supervision department are protected.
Although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; and such modifications or substitutions do not depart from the spirit and scope of the corresponding technical solutions of the embodiments of the present invention.
Claims (12)
1. A credit investigation data management method based on a block chain, the method comprising:
an industry user applies for a block chain network account to a supervision mechanism;
after the account application process is completed, the supervision mechanism uploads an industry user certificate of the industry user to a certificate chain in a block chain;
the certificate chain verifies the industry user certificate, and after the verification is passed, the supervising authority uploads credit investigation content of the consumption user to a credit investigation chain in the block chain;
the method comprises the following steps that after consumer authorization, supervision authority authorization and certificate chain verification, the industry user inquires or downloads credit investigation data of the consumer from a credit investigation chain, and comprises the following steps:
the industry user requests the monitoring organization to inquire credit investigation data of the consumption user;
the supervision mechanism requests authorization from the consumer, and after obtaining the authorization of the consumer, the supervision mechanism returns the obtained authorization information of the consumer and the authorization information of the supervision mechanism to the industry user;
after obtaining the authorization of the consuming user and the authorization of the supervising agency, the industry user initiates an inquiry transaction to the credit investigation chain, and verifies the authenticity of the consuming user and the supervising agency to the authorization of the industry user through the public keys of the consuming user and the supervising agency on the cross-chain inquiry certificate chain based on the credit investigation chain code;
after the authenticity of the consumer and the supervision authority for the authorization of the industry user passes the certificate chain verification, credit investigation data of the consumer is read from the credit investigation chain and returned to the industry user client;
the industry user acquires credit investigation data of the consumption user, reads a certificate of a supervision authority on a certificate chain, and verifies the credibility of the supervision authority.
2. The management method of claim 1, wherein the industry user is authorized by the regulatory agency before applying for a blockchain network account.
3. The method of managing as claimed in claim 1 wherein the uploading of the industry user credentials by the regulatory authority to a certificate chain in a blockchain network comprises:
the supervisory organization uploads and stores a certificate of the supervisory organization to a certificate chain on the block chain, and takes a Hash value of an ID of the supervisory organization as a key of the supervisory organization on the certificate chain;
the supervision mechanism uploads and stores an industry user certificate to a certificate chain on the block chain, and takes a Hash value of an industry user ID as a key of an industry user on the certificate chain;
and the supervising authority uploads and stores the consumption user certificate to the certificate chain on the blockchain, and takes the Hash value of the consumption user ID as the key of the consumption user on the certificate chain.
4. The management method according to claim 1, wherein after the certificate chain verifies the industry user certificate, the supervisory organization uploads credit investigation content of the consuming user to a credit investigation chain in a block chain, and the credit investigation chain comprises:
the industry user sends credit investigation content of the consumption user, which occurs in the industry user, to the supervision agency for audit authorization, and the supervision agency saves the credit investigation content in the supervision agency local server;
and the supervision organization carries out endorsement signature on the credit investigation content through a private key of the supervision organization to form abstract information and returns the endorsement signature to the industry user.
5. The management method according to claim 4,
after the credit investigation content is audited by the supervising organization, the industry user initiates a transaction to the credit investigation chain in the block chain through a transaction request, and takes the Hash value of the ID of the consuming user as the key of the credit investigation chain content, wherein the transaction request comprises the credit investigation content of the consuming user, the signature and the abstract of the credit investigation content by the supervising organization, the Hash value of the credit investigation content, the ID of the supervising organization, the value of the credit investigation content and the ID of an organization account number initiating the transaction;
analyzing the ID of the monitoring authority in the transaction content through the chain code of the credit investigation chain, and reading the certificate of the monitoring authority on the certificate chain in a chain-crossing manner;
and the blockchain verifies the auditing authorization of the monitoring mechanism for the transaction content on the basis of the credit investigation chain code, verifies the credit investigation record content, and allows the credit investigation content to be uploaded to the credit investigation chain if the verification is passed and the credit investigation record content is not tampered.
6. A credit data management system according to any one of claims 1 to 5, wherein the system comprises: a client, a regulatory body, and a blockchain comprising a certificate chain and a credit investigation chain, wherein,
the client, based on which an industry user can apply for a block chain network account to the regulatory agency;
the monitoring mechanism is used for uploading the industry user certificate of the industry user to a certificate chain in the block chain after the account application process is completed;
the block chain can verify the industry user certificate, and after the industry user certificate is verified, the supervision agency is allowed to upload credit investigation content of the consumption user to a credit investigation chain in the block chain.
7. The management system according to claim 6,
the regulatory agency further configured to:
uploading a certificate of a monitoring authority to a certificate chain on a block chain, and taking a Hash value of an ID of the monitoring authority as a key of the monitoring authority on the certificate chain; and/or
Uploading an industry user certificate to a certificate chain on a block chain, and taking a Hash value of an industry user ID as a key of an industry user on the certificate chain; and/or
And uploading the certificate of the consuming user to a certificate chain on the block chain, and taking the Hash value of the ID of the consuming user as the key of the consuming user on the certificate chain.
8. The management system according to claim 6 or 7,
the monitoring mechanism is also used for auditing and authorizing credit investigation content of the consuming users in the industry users and storing the credit investigation content in the monitoring mechanism local server.
9. The management system according to claim 8,
the monitoring mechanism is also used for carrying out endorsement signature on the credit investigation content through a private key of the monitoring mechanism to form summary information and returning the endorsement signature to the industry user.
10. The management system according to claim 6,
the client is also used for initiating transaction to credit investigation links in the blockchain network.
11. The management system according to claim 6,
and the block chain is also used for verifying the auditing authorization of the transaction content by the monitoring mechanism based on the credit investigation chain code, verifying the credit investigation record content, and allowing the credit investigation content to be uploaded to the credit investigation chain if the credit investigation record content is verified and not tampered.
12. The management system according to claim 6,
the client is also used for requesting the monitoring mechanism to inquire credit investigation data of the consuming user based on the requirement of the industry user.
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| CN111339085A (en) * | 2020-02-17 | 2020-06-26 | 北京元链科技有限公司 | Credible archive management method based on block chain |
| CN111131336B (en) * | 2020-03-30 | 2020-07-17 | 腾讯科技（深圳）有限公司 | Resource access method, device, equipment and storage medium under multi-party authorization scene |
| CN113723953A (en) * | 2020-05-26 | 2021-11-30 | 北京金山云网络技术有限公司 | Digital asset transaction method, device and system and electronic equipment |
| CN113300853B (en) * | 2021-05-20 | 2023-07-25 | 广西大学 | Financial credit information management method, device, electronic equipment and storage medium |
| CN114638604A (en) * | 2022-03-22 | 2022-06-17 | 成都质数斯达克科技有限公司 | Financial service charging method and device based on block chain |
| CN115239316B (en) * | 2022-09-26 | 2023-01-03 | 国网山东省电力公司物资公司 | Block chain round-trip audit letter verification method |
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