CN110879826A - Credit blacklist sharing method and device based on block chain - Google Patents
Credit blacklist sharing method and device based on block chain Download PDFInfo
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- CN110879826A CN110879826A CN201910969187.9A CN201910969187A CN110879826A CN 110879826 A CN110879826 A CN 110879826A CN 201910969187 A CN201910969187 A CN 201910969187A CN 110879826 A CN110879826 A CN 110879826A
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- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
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Abstract
The invention provides a block chain-based credit investigation blacklist sharing method, which comprises the following steps: establishing a block chain network comprising a master node and at least two financial institution terminals as slave nodes, preprocessing credit investigation blacklist data collected by the slave nodes to form a shared credit investigation blacklist, embedding the shared credit investigation blacklist into an established block of the block chain, storing the shared credit investigation blacklist to the master node of the block chain network, and enabling the master node to carry out credit investigation blacklist authorization on shared clients for the slave nodes in the block chain network through a common identification mechanism of the block chain. The invention also provides a block chain-based credit investigation blacklist sharing device, computer equipment and a computer storage medium. According to the invention, a plurality of financial institution terminals are used as nodes of the block chain network, the client blacklist is uploaded, and the processing is carried out by using a block chain consensus mechanism, so that the credit investigation blacklist sharing is realized under the condition of ensuring the uniqueness and the integrity of data.
Description
Technical Field
The embodiment of the invention relates to the technical field of computers, in particular to a block chain-based credit investigation blacklist sharing method and device, computer equipment and a computer readable storage medium.
Background
In order to prevent financial risks from being resolved and promote the construction of a credit system related to the financial field, blacklists related to the financial field, such as serious debt credit losers, illegal funding (natural people and enterprises), malicious debt borrowers and the like, are established at present. In the financial field, people and enterprises need to be involved in credit investigation, so that the financial field constructs a good credit investigation system.
Although there are many financial industry wind control products, each product has credit investigation blacklist verification, which results in complex credit investigation blacklist data, repeated partial data and missing partial data, and causes great inconvenience to upstream users. Therefore, it is an urgent technical problem to provide a method for sharing a credit investigation blacklist by a computer technology.
Disclosure of Invention
In view of this, embodiments of the present invention provide a credit investigation blacklist sharing method, system, computer device and computer readable storage medium based on a block chain, where a plurality of financial institution terminals are used as nodes of a block chain network, a client blacklist is uploaded to the block chain, and a block chain consensus mechanism is used for processing, so that the credit investigation blacklist sharing is implemented under the condition of ensuring data uniqueness and integrity.
In order to achieve the above object, an embodiment of the present invention provides a method for sharing a credit investigation blacklist based on a block chain, including: establishing a block chain network comprising a main node and at least two financial institution terminals as slave nodes; preprocessing the credit investigation blacklist data collected from the nodes to form a shared credit investigation blacklist; embedding the shared credit investigation blacklist into an established block of a block chain, and storing the established block of the block chain to a main node of a block chain network; and enabling the master node to carry out blacklist authorization of shared clients to slave nodes in the blockchain network through a consensus mechanism of the blockchain.
Preferably, the block chain is a federation chain, and the establishing a block chain network including a master node and at least two financial institution terminals as slave nodes includes: acquiring configuration information of at least two financial institution terminals and sending the configuration information to a main node; and establishing distributed connection between the at least two financial institution terminals and the main node in the main node according to the configuration information of the at least two financial institution terminals so as to form the block chain network.
Preferably, the establishing, in the master node, the distributed connections between the at least two financial institution terminals and the master node according to the configuration information of the at least two financial institution terminals to form the blockchain network further includes: and establishing distributed connection between the at least two financial institution terminals in the main node according to the configuration information of the at least two financial institution terminals, and forming a consensus mechanism of the block chain.
Preferably, the embedding the shared credit blacklist into an established block of a block chain and storing the established block into a master node of a block chain network further includes: encrypting the preprocessed client credit investigation blacklists of at least two financial institution terminals; and storing the encrypted client credit investigation blacklist to the host node.
Preferably, the preprocessing the credit investigation blacklist data collected from the nodes to form a shared credit investigation blacklist includes: and carrying out data deduplication on the client credit investigation blacklists collected from the nodes of the financial institution terminal, and then combining the data to obtain unique and complete shared credit investigation blacklist data.
Preferably, the enabling, by the consensus mechanism of the blockchain, the master node to perform blacklist authorization for the shared client to the slave nodes in the blockchain network further includes: when the child node collects the newly added black list data, the duplicate removal inquiry is executed; sending the newly added blacklist data after the duplication removal to a main node to execute consensus achievement and generate a new block; and synchronizing the new block to the slave node according to the consensus mechanism of the block chain.
Preferably, the method further comprises the following steps: when the financial institution terminal slave nodes in the block chain network apply for checking the plaintext data, the main node sends the key to the applied financial institution terminal slave nodes for directional authorization checking.
In order to achieve the above object, an embodiment of the present invention further provides a device for sharing a credit investigation blacklist based on a block chain, including:
the system comprises an establishing module, a judging module and a judging module, wherein the establishing module is used for establishing a block chain network which comprises a main node and at least two financial institution terminals as slave nodes;
the data processing module is used for preprocessing the credit investigation blacklist data collected from the nodes to form a shared credit investigation blacklist;
and the storage module is used for embedding the shared credit investigation blacklist into an established block of the block chain and storing the shared credit investigation blacklist to a main node of the block chain network.
And the authorization module is used for enabling the master node to carry out blacklist authorization on shared clients from the slave nodes in the block chain network through a consensus mechanism of the block chain.
To achieve the above object, an embodiment of the present invention further provides a computer device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the steps of the block chain based credit blacklist sharing method as described above when executing the computer program.
To achieve the above object, an embodiment of the present invention further provides a computer-readable storage medium, which stores therein a computer program, which is executable by at least one processor to cause the at least one processor to execute the steps of the block chain based credit blacklist sharing method as described above.
According to the credit investigation blacklist sharing method, the system, the computer equipment and the computer readable storage medium based on the block chain, a plurality of financial institution terminals are used as nodes of a block chain network, a client blacklist is uploaded to the block chain, processing is carried out by using a block chain consensus mechanism, sharing of the credit investigation blacklist is achieved under the condition that uniqueness and integrity of data are guaranteed, and the technical problems that credit investigation blacklist data are complex, part of data are repeated, part of data are lost, and great inconvenience is caused to an upstream user are solved.
Drawings
Fig. 1 is a flowchart of a block chain-based credit investigation blacklist sharing method according to an embodiment of the present invention.
Fig. 2 is a flowchart of a method for establishing a blockchain network including a master node and at least two financial institution terminals as slave nodes according to a first embodiment of the present invention.
Fig. 3 is a flowchart of a method for embedding the shared credit blacklist into a created block of a blockchain and storing the embedded blacklist to a master node of a blockchain network according to a first embodiment of the present invention.
Fig. 4 is a flowchart of a method for enabling a master node to perform blacklist authorization for a shared client from a slave node in a blockchain network through a consensus mechanism of blockchains according to an embodiment of the present invention.
Fig. 5 is a block diagram of a credit investigation blacklist sharing device based on a block chain according to an embodiment of the present invention.
Fig. 6 is a block chain-based credit investigation blacklist sharing apparatus according to an embodiment of the present invention.
Reference numerals
| Memory device | 601 |
| Processor with a memory having a plurality of memory cells | 602 |
| Network interface | 603 |
| Credit blacklist sharing device based on block chain | 500 |
| Building module | 501 |
| Data processing module | 502 |
| Preservation module | 503 |
| Authorization module | 504 |
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the 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.
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the 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.
It should be noted that the description relating to "first", "second", etc. in the present invention is for descriptive purposes only and is not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In addition, technical solutions between various embodiments may be combined with each other, but must be realized by a person skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination should not be considered to exist, and is not within the protection scope of the present invention.
Referring to fig. 1, a block chain-based credit investigation blacklist sharing method according to an embodiment of the present invention is shown, where the block chain-based credit investigation blacklist sharing apparatus may be applied in a server. The method comprises the following specific steps:
in step S100, a blockchain network including a master node and at least two financial institution terminals as slave nodes is established.
The block chain network is specifically a block chain-based alliance chain, the alliance chain is limited to alliance members, all or part of functions are opened only for the members, the read-write authority and the accounting rule on the alliance chain are designed according to the alliance rule, and the consensus process on the alliance chain is controlled by a preselected node, so that the alliance chain is more suitable for trading, settlement or clearing scenes among financial institutions.
Since the alliance chain is mainly used in financial institutions, and it is necessary to perform targeted enhancement in security, privacy, performance, application type, reliability, etc. compared with the public chain, the requirement for an intelligent contract program or a chaincode (chain code) running on the alliance chain is very high. Such as trading, settlement, clearing, etc., the chain code is compiled into a separate application, run in a separate container, and then deployed onto the federation chain network, with the end user invoking the chain code through a client application interacting with a network node.
Because the service logic and functions which need to be realized are really simple, only a credit investigation blacklist is shared, a specific service level is not related, and the service logic is different from the traditional service logic of the alliance chain in terms of safety, privacy, performance and reliability.
The master node of the blockchain network establishes a blockchain network with at least two financial institution terminals as slave nodes. For example, a master node of a blockchain network establishes a blockchain network with a plurality of financial institution terminals as slave nodes, and a client blacklist is uploaded to the blockchain by the admission verification mechanism slave nodes, so that the plurality of institution slave nodes can share the client blacklist.
Specifically, the blockchain network includes at least one master node and 2 terminal sub-nodes, that is, the alliance chain architecture of the present application, which is different from the existing alliance chain architecture, in that a master node is added, and the existing alliance chain architecture does not have a special master node to solve the trust problem, and the nodes are uniformly equal, and the problem of who is big or small does not occur, but on the other hand, because there is no master node, the establishment of the consensus mechanism needs to be enhanced, and the shared black list in the present application, which forms the consensus mechanism, is relatively simple, i.e., it is determined whether to repeat, and if not to repeat, a consensus is formed, and a data is added and synchronized, and if to repeat, no consensus is formed, and this data enhances a master node, and executes the execution of the consensus mechanism through the master node, if according to the existing alliance chain architecture, when one node writes one blacklist data, the data can be landed into the account book only after the transaction of the second stage is completed by all nodes, so that resources are wasted and time is consumed.
On the other hand, the master-slave distributed architecture in the present application is also different from a server-client master-slave mode of an existing non-blockchain network, the master node and the child nodes in the present application are still distributed, only one master node is added in the network structure of the blockchain based on the structure of the blockchain, and the master node is mainly used for achieving the second-stage consensus after data is written during blacklist sharing, namely, a function of checking for duplication and storing the blacklist, in addition, the master node has no control and leader functions on other child nodes, the child nodes are also distributed linked based on the blockchain, the master node and the child nodes are still located in the bus structure of the same alliance chain, and the alliance chain architecture in the present application is essentially a network structure of multiple centers or decentralization + 1. In addition to this blacklist ledger being agreed upon in the consensus, i.e. using this master node or weak central node alone in the duplication check, the synchronization of ledgers etc. is still based on the blockchain.
In this embodiment, the first child node that generates the blacklist is automatically the master node of the blockchain network, and in other embodiments, the master node may also be generated by voting.
In step S101, the credit investigation blacklist data collected from the nodes is preprocessed to form a shared credit investigation blacklist.
Specifically, the preprocessing is performed on the credit investigation blacklist data collected from the node to form a shared credit investigation blacklist, and the data deduplication is performed on a client credit investigation blacklist collected from the node of the financial institution terminal, and then the client credit investigation blacklist data is combined to obtain unique and complete shared credit investigation blacklist data.
After the master node of the block chain network establishes the block chain network with at least two financial institution terminals as slave nodes, the master node of the block chain network preprocesses the client credit investigation blacklist data of the at least two financial institution terminals to form shared credit investigation blacklist data. In an embodiment of the present invention, since there may be a duplicate blacklist or a blacklist with missing data in the client credit blacklists of the multiple financial institution terminals, for example, there is a client in the client credit blacklist of the first financial institution terminal of the slave node in the blockchain network, the blacklist information is 10 overdue repayment days, and there is a client in the client credit blacklist of the second financial institution terminal of the slave node in the blockchain network, but there is no blacklist information, therefore, there should not be two pieces of data stored in the blockchain network, and two pieces of data should be integrated to determine that the data is unique and the data is complete.
In step S102, the shared credit blacklist is embedded in an established block of the blockchain and is stored in a master node of the blockchain network.
After preprocessing client credit investigation blacklists of at least two financial institution terminals by a main node of a block chain network to determine the uniqueness and the integrity of data, storing a client credit investigation blacklist of standard uniqueness and integrity so as to form a first blacklist account book block of the block chain.
In step S103, the master node performs blacklist authorization on the shared client to the slave nodes in the blockchain network through the consensus mechanism of the blockchain.
And the master node of the block chain network performs the blacklist authorization of the shared client to the slave nodes of the financial institution terminal in the block chain network by executing the consensus achievement.
In an embodiment of the present invention, since the only complete client credit investigation blacklist is stored in the master node of the blockchain network, before the slave node of the financial institution terminal needs to acquire the client credit investigation blacklist, the master node of the blockchain network needs to perform the shared client credit investigation blacklist authorization on the slave node of the financial institution terminal in the blockchain network, so as to ensure the security of the client credit investigation blacklist, which cannot be tampered at any time and can only be read.
According to the embodiment of the invention, a plurality of financial institution terminals are used as nodes of the block chain network, the client blacklist is uploaded to the block chain, and the block chain consensus mechanism is utilized for processing, so that credit investigation blacklist sharing is realized under the condition of ensuring the uniqueness and the integrity of data, and the technical problems that the credit investigation blacklist data is complicated, part of data is repeated, part of data is lost, and great inconvenience is caused to an upstream user are solved.
Referring to fig. 2, in the present embodiment, the establishing a blockchain network including a master node and at least two financial institution terminals as slave nodes in step 100 includes:
step S201: and acquiring configuration information of at least two financial institution terminals and sending the configuration information to the main node.
Step S202: and establishing distributed connection between the at least two financial institution terminals and the main node in the main node according to the configuration information of the at least two financial institution terminals so as to form the block chain network.
Specifically, the master node of the blockchain network acquires configuration information of at least two financial institution terminals, and the configuration information of the at least two financial institution terminals acquired by the master node of the blockchain network is financial institution names, ID codes, network addresses and the like corresponding to the financial institution terminals.
In this embodiment, the establishing, in the master node, the distributed connections between the at least two financial institution terminals and the master node according to the configuration information of the at least two financial institution terminals to form the blockchain network further includes: and establishing distributed connection between the at least two financial institution terminals in the main node according to the configuration information of the at least two financial institution terminals, and forming a consensus mechanism of the block chain.
Referring to fig. 3, in this embodiment, the step 102 of embedding the shared credit blacklist into a created block of a block chain and storing the embedded credit blacklist in a master node of a block chain network further includes:
s301: and encrypting the preprocessed client credit investigation blacklists of the at least two financial institution terminals.
Specifically, the main node of the blockchain network encrypts the preprocessed client credit investigation blacklists of the at least two financial institution terminals.
After the master node of the blockchain network preprocesses the client credit investigation blacklist data of the at least two financial institution terminals to form shared credit investigation blacklist data, the master node of the blockchain network encrypts the preprocessed client credit investigation blacklists of the at least two financial institution terminals, wherein the encryption algorithm can be a conventional asymmetric encryption technology, is well known by persons skilled in the art, and is not described herein again.
In step S302: and storing the encrypted client credit investigation blacklist to the host node.
In a specific embodiment of the invention, the client credit investigation blacklists of at least two financial institution terminals are encrypted, and the main node of the block chain network stores the encrypted client credit investigation blacklists, wherein the storage is stored in the main node.
Specifically, the client credit investigation blacklist may be stored in a master node of the blockchain network, or the encrypted client credit investigation blacklist may be stored in one slave node, and each slave node stores complete data according to a blockchain structure. Each slave node storage is independent and equal in position, and the consistency of the storage is guaranteed by means of a consensus mechanism.
In step S303, the master node of the blockchain network performs credit blacklist authorization for the shared client to the slave nodes of the financial institution terminals in the blockchain network.
In an embodiment of the present invention, because the unique and complete encrypted client credit investigation blacklist is stored in the master node of the blockchain network or all slave nodes of the blockchain network, before the slave node of the financial institution terminal needs to acquire the client credit investigation blacklist, the master node of the blockchain network needs to perform client credit investigation blacklist sharing authorization on the slave nodes of the financial institution terminal in the blockchain network, so as to ensure the security of the client credit investigation blacklist, which cannot be tampered at any time and can only be read. And performing blacklist authorization of the shared client from the node to a financial institution terminal in the block chain network through a consensus mechanism. It is how well all storage nodes agree to identify the validity of a record, which is both a means of identification and a means of tamper resistance.
In step S304, when the financial institution terminal slave node in the blockchain network applies for viewing plaintext data, the master node is enabled to send a key to the applied financial institution terminal slave node for directional authorization viewing.
In a specific embodiment of the invention, when the slave node of the financial institution terminal in the block chain network applies for checking the plaintext data, the slave node of the applied financial institution terminal sends a key to perform directional authorization checking, thereby ensuring the data security. And the master node of the block chain network performs the blacklist authorization of the shared client to the slave nodes of the financial institution terminal in the block chain network by executing the consensus achievement.
According to the embodiment of the invention, a plurality of financial institution terminals are used as nodes of the block chain network, the client blacklist is uploaded to the block chain, and the block chain consensus mechanism is utilized for processing, so that credit investigation blacklist sharing is realized under the condition of ensuring the uniqueness and the integrity of data, and the technical problems that the credit investigation blacklist data is complicated, part of data is repeated, part of data is lost, and great inconvenience is caused to an upstream user are solved.
Referring to fig. 4, in this embodiment, in step S103, the enabling, by the block chain consensus mechanism, the master node to perform blacklist authorization for the shared client to the slave node in the block chain network further includes:
s401: and performing deduplication inquiry when the child node collects the newly added black list data.
S402: and sending the newly added blacklist data after the duplication removal to the main node to execute the consensus achievement and generate a new block.
S403: and synchronizing the new block to the slave node according to the consensus mechanism of the block chain.
Specifically, when any terminal child node of the federation chain obtains a new blacklist data to be written into the block chain, the first query step is executed.
Because each child node stores blacklist data confirmed and synchronized by the main node, when the child node receives newly added blacklist data, the first local query can be executed without sending a chain code request to the blockchain, and if the newly added blacklist exists in the synchronized blacklist, the repeated loss of the data can be judged without executing the second-stage consensus achievement and is not written into the account book.
And after the first query is passed, the terminal node sends the newly added blacklist data to the main node to execute the consensus achievement of the second stage.
If, according to the existing method, no master node performs consensus achievement, but it is implemented by a contract chain code running in the blockchain, or a complex algorithm needs to be written on the blockchain, because the consensus in the blockchain needs time to be confirmed, which is related to the size of the block and the number of nodes in the blockchain, the existing method defines a time interval, in which the latest blacklist book is confirmed and the second latest blacklist book is discarded, otherwise, if a terminal node generates a new blacklist book and performs consensus confirmation to other nodes, if another node adds the same blacklist data in the time interval, the two nodes find the blacklist data repeatedly and discard the blacklist data when confirming each other, thereby resulting in the failure of sharing the blacklist data meeting the requirement, but in fact, there is no synchronization update since this ledger has not yet completed the second stage of validation.
The master node performs the second query and synchronizes the blacklist data.
Specifically, in this embodiment, the process of implementing the consensus among the master nodes is as follows:
the terminal sub-node sends new blacklist data to the terminal sub-node after each synchronization, and the main node directly promotes the data to a new blacklist account book and then executes synchronization to other sub-nodes.
The terminal sub-nodes send new blacklist data to the terminal sub-nodes before each synchronization, and when different terminal sub-nodes send different blacklist data to the main node after the inquiry of the first stage, the terminal sub-nodes adopt the preprocessing method in the step S102 to combine the data for synchronization.
The terminal sub-nodes send new blacklist data to the terminal sub-nodes before each synchronization, and when different terminal sub-nodes pass the first-stage query, the same blacklist data is sent to the main node, and the finally sent blacklist data is stored or discarded according to time sequence.
In summary, by the master node executing the above method, not only is the service flow and efficiency of the whole block chain in applying the shared blacklist optimized, but also the problem that synchronization may fail through the child nodes when there is no master node and there is no robust contract chain code is solved.
Example two
Referring to fig. 5, a program module of a block chain-based credit investigation blacklist sharing device 500 according to a fourth embodiment of the present invention is shown. In this embodiment, the block chain-based credit investigation blacklist sharing apparatus 500 may include or be divided into one or more program modules, and the one or more program modules are stored in a storage medium and executed by one or more processors to implement the present invention and the above block chain-based credit investigation blacklist sharing method. The program module referred to in the embodiments of the present invention refers to a series of computer program instruction segments capable of performing specific functions, and is more suitable for describing the execution process of the block chain-based credit investigation blacklist sharing method in a storage medium than the program itself. The credit investigation blacklist sharing apparatus 500 of the simultaneous block chain network is a master node of the block chain network mentioned in the credit investigation blacklist sharing method of the block chain network, and the following description will specifically describe the functions of each program module in this embodiment:
an establishing module 501, configured to establish a blockchain network including a master node and at least two financial institution terminals as slave nodes;
a data processing module 502, configured to pre-process the credit investigation blacklist data collected from the node to form a shared credit investigation blacklist;
a saving module 503, configured to embed the shared credit blacklist in an established block of a block chain, and save the established block to a master node of a block chain network.
An authorization module 504, configured to enable the master node to perform blacklist authorization on a shared client to a slave node in the blockchain network through a consensus mechanism of a blockchain.
According to the embodiment of the invention, the plurality of financial institution terminals are used as nodes of the block chain network, the client blacklists are uploaded, and the processing is carried out by using the block chain consensus mechanism, so that the credit investigation blacklist sharing is realized under the condition of ensuring the uniqueness and the integrity of data, and the technical problem of complex credit investigation blacklist data is solved.
The present embodiment also provides a computer apparatus, and in the present embodiment, as shown in fig. 6, the memory 601 includes at least one type of computer-readable storage medium, and the readable storage medium includes a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a Read Only Memory (ROM), an Electrically Erasable Programmable Read Only Memory (EEPROM), a Programmable Read Only Memory (PROM), a magnetic memory, a magnetic disk, an optical disk, and the like. In some embodiments, the storage 601 may be an internal storage unit of the computer device 600, such as a hard disk or a memory of the computer device 600. In other embodiments, the memory 601 may also be an external storage device of the computer device 600, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), etc. provided on the computer device 600. Of course, the memory 601 may also include both internal and external storage devices for the computer device 600. In this embodiment, the memory 601 is generally used for storing an operating system and various application software installed in the computer device 600, such as program codes of the block chain-based credit blacklist sharing apparatus 604. In addition, the memory 601 can also be used to temporarily store various types of data that have been output or are to be output.
Processor 602 may be a Central Processing Unit (CPU), controller, microcontroller, microprocessor, or other data Processing chip in some embodiments. The processor 602 is typically used to control the overall operation of the computer device 600. In this embodiment, the processor 602 is configured to execute the program code stored in the memory 601 or process data, for example, execute the block chain-based credit investigation blacklist sharing apparatus 604, so as to implement the block chain-based credit investigation blacklist sharing method in the first embodiment.
The network interface 603 may comprise a wireless network interface or a wired network interface, and the network interface 603 is generally used for establishing a communication connection between the computer apparatus 600 and other electronic devices. For example, the network interface 603 is used to connect the computer device 600 to an external terminal through a network, establish a data transmission channel and a communication connection between the computer device 600 and the external terminal, and the like. The network may be a wireless or wired network such as an Intranet (Intranet), the Internet (Internet), a Global System of Mobile communication (GSM), Wideband Code Division Multiple Access (WCDMA), a 4G network, a 5G network, Bluetooth (Bluetooth), Wi-Fi, and the like.
It is noted that fig. 6 only shows the computer device 600 with components 601-604, but it is understood that not all of the shown components are required to be implemented, and that more or less components may be implemented instead.
In this embodiment, the block chain based credit blacklist sharing apparatus 604 stored in the memory 601 may be further divided into one or more program modules, and the one or more program modules are stored in the memory 601 and executed by one or more processors (in this embodiment, the processor 602) to complete the block chain based credit blacklist sharing method according to the present invention.
The present embodiment also provides a computer-readable storage medium, such as a flash memory, a hard disk, a multimedia card, a card-type memory (e.g., SD or DX memory, etc.), a Random Access Memory (RAM), a Static Random Access Memory (SRAM), a read-only memory (ROM), an electrically erasable programmable read-only memory (EEPROM), a programmable read-only memory (PROM), a magnetic memory, a magnetic disk, an optical disk, a server, an App application mall, etc., on which a computer program is stored, which when executed by a processor implements corresponding functions. The computer-readable storage medium of this embodiment is used for storing the block chain-based credit investigation blacklist sharing apparatus 500, and when being executed by a processor, the block chain-based credit investigation blacklist sharing method of the present invention is implemented.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A credit investigation blacklist sharing method based on a block chain is characterized by comprising the following steps:
establishing a block chain network comprising a main node and at least two financial institution terminals as slave nodes;
preprocessing the credit investigation blacklist data collected from the nodes to form a shared credit investigation blacklist;
embedding the shared credit investigation blacklist into an established block of a block chain, and storing the established block of the block chain to a main node of a block chain network;
and enabling the master node to carry out blacklist authorization of shared clients to slave nodes in the blockchain network through a consensus mechanism of the blockchain.
2. The method of claim 1, wherein the blockchain is a federation chain, and the establishing the blockchain network including the master node and the at least two financial institution terminals as slave nodes comprises:
acquiring configuration information of at least two financial institution terminals and sending the configuration information to a main node;
and establishing distributed connection between the at least two financial institution terminals and the main node in the main node according to the configuration information of the at least two financial institution terminals so as to form the block chain network.
3. The method of claim 2, wherein the establishing, in the master node, the distributed connections of the at least two financial institution terminals and the master node according to the configuration information of the at least two financial institution terminals to form the blockchain network further comprises:
and establishing distributed connection between the at least two financial institution terminals in the main node according to the configuration information of the at least two financial institution terminals, and forming a consensus mechanism of the block chain.
4. The method of claim 2, wherein the embedding the shared credit blacklist in a created block of a blockchain and saving the shared credit blacklist to a master node of a blockchain network further comprises:
encrypting the preprocessed client credit investigation blacklists of at least two financial institution terminals;
and storing the encrypted client credit investigation blacklist to the host node.
5. The method of claim 1, wherein preprocessing the credit blacklist data collected from the nodes to form a shared credit blacklist comprises:
and carrying out data deduplication on the client credit investigation blacklists collected from the nodes of the financial institution terminal, and then combining the data to obtain unique and complete shared credit investigation blacklist data.
6. The blockchain-based credit investigation blacklist sharing method according to claim 5, wherein the enabling of the master node to perform the shared client credit investigation blacklist authorization to the slave nodes in the blockchain network through the block chain consensus mechanism further comprises:
when the child node collects the newly added black list data, the duplicate removal inquiry is executed;
sending the newly added blacklist data after the duplication removal to a main node to execute consensus achievement and generate a new block;
and synchronizing the new block to the slave node according to the consensus mechanism of the block chain.
7. The method for sharing block chain based credit blacklist of claim 1, further comprising:
when the financial institution terminal slave nodes in the block chain network apply for checking the plaintext data, the main node sends the key to the applied financial institution terminal slave nodes for directional authorization checking.
8. A block chain-based credit investigation blacklist sharing apparatus, comprising:
the system comprises an establishing module, a judging module and a judging module, wherein the establishing module is used for establishing a block chain network which comprises a main node and at least two financial institution terminals as slave nodes;
the data processing module is used for preprocessing the credit investigation blacklist data collected from the nodes to form a shared credit investigation blacklist;
the storage module is used for embedding the shared credit investigation blacklist into an established block of a block chain and storing the established block into a main node of a block chain network;
and the authorization module is used for enabling the master node to carry out blacklist authorization on shared clients from the slave nodes in the block chain network through a consensus mechanism of the block chain.
9. A computer arrangement comprising a memory, a processor and a computer program stored on the memory and being executable on the processor, characterized in that the processor implements the steps of the blockchain based credit blacklist sharing method of any one of claims 1 to 7 when executing the computer program.
10. A computer-readable storage medium, having stored thereon a computer program which is executable by at least one processor to cause the at least one processor to perform the steps of the blockchain based credit blacklist sharing method of any one of claims 1 to 7.
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