CN112862587A - Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium - Google Patents
Block chain-based credit data processing method, block chain-based credit data processing device, computer and medium Download PDFInfo
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Abstract
The invention provides a credit data processing method, a credit data processing device, a credit data processing computer and a credit data processing medium based on a block chain, wherein the method comprises the steps of obtaining a service information data packet of a first party and uploading the service information data packet to a block chain network; generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the block chain network; acquiring a financing request initiated by a first party; and transferring the financing money to the account corresponding to the financing request based on the second confirmation information. The service information data packet of the first party is uploaded to the block chain network, the privacy information of the user is protected by using an encryption technology of the block chain, the contract information signed by the first party and the second party is uploaded to the block chain network, the safety and the reliability of contract information storage are improved, the decentralized storage mode of the block chain is adopted, the service information data packet and the contract information can be stored more quickly, and tampering is effectively avoided.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a credit data processing method, a credit data processing device, a credit data processing computer and a credit data processing medium based on a block chain.
Background
With the continuous development of internet technology, various credit systems based on the internet and facing internet users are also developed. However, these credit systems currently suffer from the following problems:
1. the credit system has the problems that personal credit information is easy to leak and privacy protection is difficult;
2. the problem of unreliable and untrusted credit data sources;
3. the credit investigation process is complicated, the period is long, and the efficiency is low;
4. the credit investigation system and the credit investigation system are not intercommunicated, so that the problems of data non-intercommunicating and data island formation exist; data is lack of sharing, and credit investigation institutions are asymmetric with user information.
Disclosure of Invention
In view of the above, it is necessary to provide a block chain-based credit data processing method, apparatus, computer, and medium for solving the above technical problems.
A block chain based credit data processing method, comprising:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes:
acquiring feedback information of an account corresponding to the financing request, and generating bill paying information based on the feedback information;
and uploading the put-in receipt information to the block chain network.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes:
acquiring repayment time according to the contract information;
acquiring current time, and detecting whether the difference value between the current time and the repayment time is smaller than a preset time difference value;
and when the difference value between the current time and the repayment time is smaller than a preset time difference value, sending repayment reminding information to the first party.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes:
when the difference value between the current time and the repayment time is larger than a preset time difference value, detecting whether a repayment request sent by the first party is received;
when a repayment request sent by the first party is received, third confirmation information of the repayment request is obtained;
and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
In one embodiment, the step of obtaining a service information packet sent by the first party and associated with the loan request and uploading the service information packet to the blockchain network further includes:
acquiring fourth confirmation information of the first party to the service information data packet;
acquiring fifth confirmation information of the second party on the service information data packet uploaded to the block chain network;
associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that has been uploaded to the blockchain network.
In one embodiment, further comprising:
acquiring enterprise information of a first party;
generating a corresponding enterprise credit value according to a preset rule based on the enterprise information;
acquiring a corresponding credit limit according to the enterprise credit value;
and packaging the enterprise information and the credit limit to generate an enterprise credit information packet, and uploading the enterprise credit information packet to the block chain network.
A block chain based credit data processing apparatus comprising:
the service information data packet uploading module is used for acquiring a service information data packet which is sent by a first party and is associated with the loan request, and uploading the service information data packet to a block chain network;
the signing request module is used for acquiring a signing request initiated by the first party, analyzing the signing request and acquiring a data packet identifier corresponding to the signing request;
a request and data packet association module, configured to determine, according to the data packet identifier, at least one service information data packet corresponding to the data packet identifier that has been uploaded to the block chain network, and associate the subscription request with the determined at least one service information data packet;
a first confirmation information obtaining module, configured to obtain first confirmation information of the second party on the subscription request;
the contract information generation and uploading module is used for responding to the signing information of the first party and the second party, generating contract information and uploading the contract information to the block chain network;
a financing request acquisition module, configured to acquire a financing request issued based on the contract information and initiated by the first party;
and the financing amount transfer module is used for acquiring second confirmation information of the second party on the financing request and transferring the financing amount to an account corresponding to the financing request based on the second confirmation information.
In one embodiment, further comprising:
the payment receipt information acquisition module is used for acquiring feedback information of an account corresponding to the financing request and generating payment receipt information based on the feedback information;
and the payment receipt information uploading module is used for uploading the payment receipt information to the block chain network.
A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor when executing the computer program implements the steps of:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
According to the credit data processing method, the credit data processing device, the credit data processing computer and the credit data processing media based on the block chain, the business information data packet of the first party is uploaded to the block chain network, the privacy information of the user is protected by using the encryption technology of the block chain, the contract information signed by the first party and the second party is uploaded to the block chain network, the safety and the reliability of contract information storage are improved, and the decentralized storage mode of the block chain is adopted, so that the business information data packet and the contract information can be stored more quickly, tampering is effectively avoided, and the server breakdown caused by the storage of a large amount of data is avoided.
Drawings
FIG. 1 is a block chain-based credit data processing method in one embodiment;
FIG. 2 is a flow diagram of a block chain based credit data processing method in one embodiment;
FIG. 3 is a block diagram of a block chain based credit data processing apparatus in one embodiment;
FIG. 4 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application 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 present application and are not intended to limit the present application.
Example one
The block chain-based credit data processing method provided by the application can be applied to the application environment shown in fig. 1. Wherein the terminal 102 and the terminal 106 communicate with the server 104 via a network. The terminals 102 and 106 may be, but are not limited to, various personal computers, servers, laptops, smartphones, tablets and portable wearable devices, and the server 104 may be implemented by an independent server or a server cluster composed of a plurality of servers. The first party and the second party may send data to the server 104 through the terminal 102 and the terminal 106, respectively, such as sending a service information packet, a subscription request, a signature message, or a confirmation message to the server. The server 104 acquires a service information data packet which is sent by the first party and is associated with the loan request, and uploads the service information data packet to the block chain network; acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request; determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet; acquiring first confirmation information of a second party to the signing request; generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network; acquiring a financing request which is initiated by the first party and sent out based on the contract information; and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
Example two
In the present embodiment, as shown in fig. 2, there is provided a block chain-based credit data processing method, including:
Specifically, the first party is a financing party, i.e. a financing client in this embodiment. The loan request may also be referred to as a financing request, and the service information data packet records document information related to the contract, order, bill of lading, invoice, receipt, and the like associated with the loan request. In this step, each document information is obtained, and each document information at least comprises a contract, an order, a delivery bill, an invoice and a receipt, and based on each document information, the service information data packet is generated by packaging. And issuing the service information data packet to a block chain network. And uploading the service information data packet to a block chain network, so that a node in the block chain network can generate a block based on the service information data packet and link the block into a block chain. For example, the service information packet is broadcasted in each node in the blockchain network, so that a node in the blockchain network can obtain the service information packet, generate a block based on the service information packet, and link the generated block into the blockchain, thereby uploading the service information packet to the blockchain network.
In this embodiment, the server may also be used as a node in a block chain network, and after broadcasting the service information packet, the server may package the service information packet to generate a block, and link the generated block into a block chain. In the step, the encryption technology of the block chain is utilized to protect user privacy information such as service information data packets and the like, and the confidentiality can be effectively improved.
Specifically, the signing request is used for requesting a server or a platform to sign a contract with a second party, so as to implement signing of a contract between the first party and the second party, where the second party is a funding party or a lending party. In this embodiment, the subscription request carries a data packet identifier, and specifically, each service information data packet has a unique data packet identifier, and the data packet identifier is used to distinguish different service information data packets. In this step, the data packet identifier is obtained by analyzing the subscription request, so that the service information data packet can be determined in the next step.
In this embodiment, according to the packet identifier, a service information packet corresponding to the packet identifier is searched from the blockchain network, so as to determine a service information packet corresponding to the subscription request, and the subscription request is associated with the determined service information packet, so that the corresponding service information packet can be obtained after the subscription request is obtained.
Specifically, the second party is a fund party, and since the signing request is sent by the first party and corresponds to the service information data packet, the second party can obtain the corresponding service information data packet after obtaining the signing request, browse the service information data packet, confirm the service information data packet, and confirm the signing request, thereby obtaining first confirmation information generated after confirming the signing request by the second party, which indicates that the second party has learned the signing request and the service information data packet of the first party.
In this embodiment, step 240 further includes obtaining the acceptance information of the platform for the subscription request, and then obtaining the first confirmation information of the second party for the subscription request. In this way, the signing request initiated by the first party can be accepted at the financial technology platform and recorded.
In this embodiment, after the second party confirms the subscription request and the service information data packet, the first party and the second party input the signing information respectively, so that the platform acquires the signing information of the first party and the signing information of the second party, generates contract information based on the signing information of the first party and the signing information of the second party, and based on the contract data, and uploads the contract information to the block chain network.
For example, the contract information is broadcasted in each node in the blockchain network, so that a node in the blockchain network can obtain the contract information, a block is generated based on the contract information, and the generated block is linked into a blockchain, thereby implementing uploading of the contract information to the blockchain network. The contract information is stored through the block chain network, so that the safety and the reliability of the contract information storage can be effectively improved, and the falsification of the contract information by any party or personnel is avoided.
In this step, after the first party and the second party sign the agreement, the first party initiates a financing request based on the agreement information for requesting the second party to issue financing money to the first party.
And 270, acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
In this step, the second confirmation information is generated after the financing request is confirmed by the second party, for example, the second confirmation information determined and generated by the second party for the financing request is obtained, and after the second confirmation information of the second party is obtained, it indicates that the second party has confirmed the financing request and the corresponding contract information, and based on the second confirmation information, the financing amount is transferred from the conversion of the second party to the account corresponding to the financing request, it should be understood that the account corresponding to the financing request may be the account of the first party or another account.
In the embodiment, the service information data packet of the first party is uploaded to the blockchain network, the privacy information of the user is protected by using an encryption technology of the blockchain, and the contract information signed by the first party and the second party is uploaded to the blockchain network, so that the safety and the reliability of contract information storage are improved, and the decentralized storage mode of the blockchain is adopted, so that the service information data packet and the contract information can be stored more quickly, tampering is effectively avoided, and the crash of the server caused by the storage of a large amount of data is avoided.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes: acquiring feedback information of an account corresponding to the financing request, and generating bill paying information based on the feedback information; and uploading the put-in receipt information to the block chain network.
In this embodiment, after transferring the financing money to the account corresponding to the financing request, feedback information of the account is obtained, where the feedback information is platform or bank feedback corresponding to the account and is used to indicate that the financing money has been received by the account, and therefore, based on the feedback information, payment receipt information is generated, where the payment receipt information is used to reflect that the transfer of the financing money is successful, and the payment receipt information records the transfer time of the financing money and the account, and uploads the payment receipt information to the block chain network for storage.
In one embodiment, the step of uploading the put-away-document information to the blockchain network includes: encrypting the bill paying-off information, and uploading the encrypted bill paying-off information to the block chain network. For example, the put-away-document information is broadcasted in each node in the block chain network, so that one node in the block chain network can obtain the put-away-document information, a block is generated based on the put-away-document information, and the generated block is linked into the block chain, so that the put-away-document information is uploaded to the block chain network. The paying-off document information is stored through the block chain network, so that the safety and the reliability of the paying-off document information storage can be effectively improved, and the same information is prevented from being tampered by any party or personnel.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes: acquiring repayment time according to the contract information; acquiring current time, and detecting whether the difference value between the current time and the repayment time is smaller than a preset time difference value; and when the difference value between the current time and the repayment time is smaller than a preset time difference value, sending repayment reminding information to the first party.
In this embodiment, the repayment time is the repayment time of the second party in the first direction recorded in the contract information, and when the difference between the current time and the repayment time is less than the preset time difference, it indicates that the repayment time is close to, and then the repayment reminding information is sent to the first party to remind the first party of timely repayment, and the repayment timeout is avoided.
In one embodiment, the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further includes: when the difference value between the current time and the repayment time is larger than a preset time difference value, detecting whether a repayment request sent by the first party is received; when a repayment request sent by the first party is received, third confirmation information of the repayment request is obtained; and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
In this embodiment, when a repayment request sent by the first party is received, third confirmation information of the repayment request is acquired, and approval information for approving the repayment request is acquired. And after the third confirmation information and the approval information are obtained, the repayment money sent by the first party is obtained, and the repayment money is transferred to the account of the second party.
Specifically, when the difference between the current time and the repayment time is greater than the preset time difference, it indicates that the distance repayment time is longer, at this time, the repayment of the first party can be regarded as advance repayment, and at this time, when a repayment request sent by the first party is received, it means that the first party proposes advance repayment. The platform is required to confirm the repayment request of the advance repayment and the system is required to examine and approve the repayment request of the advance repayment, the platform confirms the repayment request of the advance repayment to generate third confirmation information, and the system examines and approves the repayment request of the advance repayment to generate examination and approval information. And after the third confirmation information and the approval information are acquired, acquiring a repayment money sent by the first party, transferring the repayment money to an account of the second party, and realizing repayment of the financed money. The payment request of the advance payment needs to be confirmed and approved, so that the advance payment can be accurately executed.
In one embodiment, the step of obtaining a service information packet sent by the first party and associated with the loan request and uploading the service information packet to the blockchain network further includes: acquiring fourth confirmation information of the first party to the service information data packet; acquiring fifth confirmation information of the second party on the service information data packet uploaded to the block chain network; associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that has been uploaded to the blockchain network.
In this embodiment, after the service information packet is uploaded to the blockchain network, the first party and the second party jointly confirm the service information packet, so as to ensure that the service information packet is error-free. And associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet, so that the acknowledgement information of the service information data packet can be identified, and the reliability of the service information data packet can be ensured to be confirmed by a user obtaining the service information data packet.
In one embodiment, the block chain-based credit data processing method further comprises: acquiring enterprise information of a first party; generating a corresponding enterprise credit value according to a preset rule based on the enterprise information; acquiring a corresponding credit limit according to the enterprise credit value; and packaging the enterprise information and the credit limit to generate an enterprise credit information packet, and uploading the enterprise credit information packet to the block chain network.
Specifically, the enterprise information includes enterprise basic information, enterprise production and management information, bank credit record information, social public information, and other information affecting the credit status of the enterprise. In this embodiment, each enterprise credit value corresponds to a credit line, and after obtaining the enterprise credit value, the corresponding credit line can be obtained according to the enterprise credit value. In this embodiment, the credit line of the first party can be obtained by obtaining the enterprise information of the first party, and then the enterprise information and the credit line of the first party are packaged to generate a credit information package, and the credit information package is uploaded to the blockchain network, so that each user in the blockchain network can obtain the enterprise information and the credit line of the enterprise, and can quickly examine and approve the financing request of the enterprise based on the enterprise information and the credit line.
In this embodiment, the hash operation is performed on the credit information packet to obtain a hash value, the credit information packet is encrypted by using the public key of the enterprise, and the hash value, the encrypted credit information packet, and the enterprise identifier are packaged and then issued to the blockchain network.
Specifically, enterprise information is collected in all directions, an enterprise credit investigation system is constructed, and information content collected by the enterprise credit investigation system comprises: (1) basic information of an enterprise; (2) enterprise production and management information; (3) bank credit record information; (4) social public information; (5) other information that affects the credit status of the enterprise. And giving an enterprise credit index according to the enterprise information, calling an enterprise credit investigation intelligent contract, and matching an enterprise node credit limit according to the enterprise credit index and the enterprise historical credit record. And packaging the enterprise credit line and the acquired enterprise information into an enterprise credit information packet, performing Hash operation on the credit information packet to obtain a Hash value, encrypting the credit information packet by using a public key of the enterprise, and packaging the Hash value, the encrypted credit information packet and the enterprise identification and then issuing the packaged Hash value, the encrypted credit information packet and the enterprise identification to a block chain network.
In one embodiment, the step of obtaining a service information packet sent by the first party and associated with the loan request, and uploading the service information packet to the blockchain network includes: and acquiring a service information data packet which is sent by a first party and is associated with the loan request, encrypting the service information data packet, and uploading the encrypted service information data packet to a block chain network.
In one embodiment, the generating contract information in response to the signing information of the first party and the second party, the uploading of the contract information to the blockchain network comprises: and responding to the signing information of the first party and the second party, generating contract information, encrypting the contract information, and uploading the encrypted contract information to the block chain network.
In the above embodiment, the service information data packet and the contract information are encrypted, and the encrypted service information data packet and the encrypted contract information are uploaded to the block link network, so that the security and the privacy of the service information data packet and the contract information can be further improved.
It should be understood that, although the steps in the flowchart of fig. 2 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least a portion of the steps in fig. 2 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
EXAMPLE III
In the embodiment, a financing client, a funding party, a financial technology platform, a credit investigation system and a credit system are used as nodes to be accessed into a block chain network, wherein the financing client comprises a buyer enterprise and a seller enterprise; the credit process includes:
1. the financing client node uploads the document information related to the service such as contract, order, delivery bill, invoice, receipt and the like related to the loan application, the document information is packaged into a financing client service document information packet, the financing client service document information packet is encrypted and uploaded to a block chain network, and a fund party confirms the information through the block chain;
the financing client initiates a signing application and associates the service document information packets which are confirmed by the two parties;
the financial science and technology platform accepts a signing application;
the fund party confirms the signing application;
the credit system processes the subscription application;
the fund party signs a credit contract with the financing client through a credit system, encrypts the credit contract and uploads the encrypted credit contract to the block chain network;
the financing client initiates a financing application;
the financial science and technology platform accepts financing applications;
the fund side confirms the financing application;
the credit system processes the financing application;
the fund party pays to the special account through the credit system;
encrypting the payment document and uploading the encrypted payment document to a block chain network;
the credit system is trusted to pay to the financing client;
before/when the loan is due, the financing client inputs the fund into the special account;
the financing client initiates an advance payment/due payment application;
the financial science and technology platform accepts an advance repayment/repayment application;
the credit system processes the advance repayment/repayment application;
the financing client repays the fund to the fund side;
and encrypting the repayment receipt and uploading the repayment receipt to the block chain network.
2. The method comprises the steps of collecting information in an all-round mode, constructing an enterprise credit investigation system, wherein the information content collected by the enterprise credit investigation system comprises the following steps: (1) basic information of an enterprise; (2) enterprise production and management information; (3) bank credit record information; (4) social public information; (5) other information that affects the credit status of the enterprise. And giving an enterprise credit index according to the enterprise information, calling an enterprise credit investigation intelligent contract, and matching an enterprise node credit limit according to the enterprise credit index and the enterprise historical credit record. And packaging the enterprise credit line and the acquired enterprise information into an enterprise credit information packet, performing Hash operation on the credit information packet to obtain a Hash value, encrypting the credit information packet by using a public key of the enterprise, and packaging the Hash value, the encrypted credit information packet and the enterprise identification and then issuing the packaged Hash value, the encrypted credit information packet and the enterprise identification to a block chain network.
3. The enterprise credit investigation system collects the enterprise information, the construction of credit investigation products is based on the collection of credit investigation data, the internal data and the external data are fused after the external data is introduced and the internal data is butted, on the basis, firstly, eight types of factual labels are established, and then, two types of model labels are established on the basis of the factual labels. The fact label refers to a label obtained by directly summarizing and processing detailed data, qualitatively or quantitatively describes natural attributes, product attributes, consumption attributes, resource attributes and the like of a client, and is a label for screening, analyzing and producing according to business rules accumulated by user experience of business departments, such as enterprise business range width, upstream and downstream enterprise quantity, annual order quantity of enterprises, whether serious tax violation is involved or not and the like.
The fact class label classification and partial label representation are shown in the following table:
the model class labels refer to abstractions and clusters of attributes such as customer attributes and behaviors, and corresponding summary generalized labels and indexes are attached to the enterprise customers by analyzing basic data of the enterprise customers, such as credit scores, risk scores, life cycle predictions and the like of enterprises, and interest preferences, demand degrees, purchase probabilities and the like of enterprise owners. Model class label classification and partial label examples are shown in the following table:
4. when a financing client node initiates a credit request, a credit system inquires an encrypted credit information packet and a hash value of a corresponding enterprise according to an enterprise identifier, decrypts the information packet by using a private key of the enterprise, performs hash operation on the decrypted information packet to obtain a hash value, compares the hash value obtained by the operation with the hash value obtained by the decryption, and if the hash value is consistent with the hash value obtained by the decryption, the verification is passed.
5. And according to the enterprise credit information packet and the enterprise credit limit obtained by decryption, the credit system provides corresponding credit service for the financing client, and searches qualified fund parties for the financing client according to a credit service scheme provided by the credit system.
6. The credit service scheme comprises a buyer credit service and a consumption credit service, wherein the buyer credit service comprises internal buyer credit e-commerce fusion marketing, an internal buyer credit supermarket and an external buyer credit supermarket; the spending credit service includes online spending credit.
7. The credit service scheme of the buyer specifically comprises the following steps: eight key links of business marketing, admission, contract, application, payment, tracking, repayment and collection urging are specifically divided into three stages of pre-loan management, loan management and post-loan management;
marketing: including links of marketing, customer acquisition, customer intention confirmation and the like. Potential customers are accurately positioned and business marketing is carried out in a mode of combining big data wind control screening and core enterprise auditing confirmation;
admission: including financing limit application, limit approval and other links. The client applies for business through a client inlet of the financial science and technology platform, and the financial science and technology platform accepts the application of financing amount and is in butt joint with the credit system;
contract: the method comprises the steps of period and interest rate confirmation, three-party contract signing and the like; the financial science and technology platform is in butt joint with a credit system to obtain contract element contents and complete the signing of a customer contract in a matching way;
applying for: the method comprises the steps of credit loan application, credit loan approval and the like; the client applies for the credit loan transaction through the client entrance of the financial science and technology platform, and the financial science and technology platform accepts the credit loan transaction application and is in butt joint with the credit system;
paying: the credit system completes the control and confirmation related to the loan and completes the issuance of the loan principal; the client can inquire the credit loan progress condition through the financial science and technology platform;
tracking: the method comprises the steps of loan enterprise operation condition tracking, loan business financial statement analysis and the like;
repayment: the loan payment method comprises the steps of reminding before the loan is due, completing repayment transaction on due date and the like;
and (3) catalytic recovery: including reminding in the grace period, calling or urging to collect on site, etc.
8. The consumption credit business scheme specifically comprises the following steps: the method is completed by cooperating and butting with a third-party financial institution, comprises eight key links of business marketing, amount, agreement, application, paying, tracking, repayment and receiving hastening, and is specifically divided into three stages of pre-loan management, loan management and post-loan management;
marketing: the method comprises the steps of obtaining potential customer information, online marketing, offline marketing and the like;
quota: the method comprises the steps of quota suggestion, quota check, quota examination and approval and the like;
protocol: the method comprises links such as online signing agreement, agreement keeping and the like;
applying for: the method comprises the steps of money deposit application, automatic money deposit approval and the like;
paying: the method comprises links of automatic deduction of the amount, automatic loan issuing and the like;
tracking: the method comprises the steps of analyzing other borrows and credits of the client, analyzing the behavior of the client and the like;
repayment: the loan payment method comprises the steps of reminding before the loan is due, completing repayment transaction by date, and the like;
and (3) catalytic recovery: including reminding in the grace period, calling or urging to collect on site, etc.
9. The internal buyer credit e-commerce fusion marketing scheme comprises the following steps: and introducing and marketing internal buyer credit related products in channels such as e-commerce, payment and internet banking, and guiding a client to perform related operations such as signing, financing, repayment, query and the like of the buyer credit products on line through marketing scene entries such as e-commerce and the like. The method specifically comprises the following steps:
a buyer enterprise initiates a signing application through an e-commerce platform;
the financial science and technology platform accepts a signing application from the E-commerce platform;
the seller enterprise confirms the signing application;
the credit system processes the subscription application;
the seller enterprise signs a credit contract with the buyer enterprise through a credit system, encrypts the credit contract and uploads the encrypted credit contract to the block chain network;
the buyer enterprise initiates financing application through the e-commerce platform;
the financial science and technology platform accepts financing application from the E-commerce platform;
the credit system processes the financing application;
paying money to a special account by a buyer enterprise through a credit system;
encrypting the payment document and uploading the encrypted payment document to a block chain network;
the credit system is trusted to pay the seller enterprise;
the buyer enterprise initiates an advance repayment/repayment application through the e-commerce platform;
the financial science and technology platform accepts an advance repayment/repayment application from the e-commerce platform;
the credit system processes the advance repayment/repayment application;
the seller enterprise repays the money to the buyer enterprise;
and encrypting the repayment receipt and uploading the repayment receipt to the block chain network.
10. The internal buyer credit supermarket scheme comprises the following steps: putting the internal buyer credit products on shelves in a financial platform credit supermarket channel, introducing and marketing internal buyer credit related products through a credit supermarket, and guiding a customer to perform related operations such as signing, financing, repayment, inquiry and the like of the internal buyer credit products on line through a credit supermarket entrance. The method specifically comprises the following steps:
a buyer enterprise directly initiates a signing application on a financial technology platform;
the seller enterprise confirms the signing application;
the credit system processes the subscription application;
the seller enterprise signs a credit contract with the buyer enterprise through a credit system, encrypts the credit contract and uploads the encrypted credit contract to the block chain network;
the buyer enterprise initiates financing application on the financial technology platform;
the credit system processes the financing application;
paying money to a special account by a buyer enterprise through a credit system;
encrypting the payment document and uploading the encrypted payment document to a block chain network;
the credit system is trusted to pay the seller enterprise;
the buyer enterprise initiates advance repayment/repayment application on the financial technology platform;
the credit system processes the advance repayment/repayment application;
the seller enterprise repays the money to the buyer enterprise;
and encrypting the repayment receipt and uploading the repayment receipt to the block chain network.
11. The external buyer credit supermarket scheme comprises the following steps: the method comprises the steps of putting an external credit product on shelves in a financial platform credit supermarket channel, introducing and marketing external credit related products through a credit supermarket, and guiding a customer to perform related operations such as signing, financing, repayment, query and the like of the external credit product on line through a credit supermarket entrance. The method specifically comprises the following steps:
directly initiating a signing application on a financial technology platform by a client needing financing without dividing a buyer enterprise and a seller enterprise;
the financial institution processes the signing application;
the financing client signs a credit contract through a credit system, encrypts the credit contract and uploads the encrypted credit contract to the block chain network;
a financing client initiates a financing application on a financial technology platform;
the financial institution processes the financing application;
the financial institution deposits money to the financing client;
encrypting the payment document and uploading the encrypted payment document to a block chain network;
the financing client initiates an advance repayment/repayment application on the financial technology platform;
the financial institution processes the advance payment/payment application;
the financing client repays the money to the financial institution;
and encrypting the repayment receipt and uploading the repayment receipt to the block chain network.
12. The online spending credit scheme includes: the financial science and technology platform is in butt joint with an external financial institution, and the external financial institution consumes credit products which are displayed in a credit supermarket according to a standardized template. The customer can perform the trial calculation of the limit of the consumption credit product and the product application through the credit supermarket, and the trial calculation goods application processing result is fed back by the external financial institution. The method specifically comprises the following steps:
the financing client initiates a credit trial application through the financial science and technology platform;
the financial institution processes the credit trial application;
the financing client initiates a consumption credit application through the financial technology platform;
the financial institution processing the expense credit application;
the financial institution deposits money to financing customers.
The application has the following beneficial effects:
1. all participants are used as nodes to access a block chain network to jointly maintain the system; protecting the user privacy information by using an encryption technology of a block chain; automatically executing enterprise credit index grading and credit limit evaluation by using an intelligent contract technology; and uploading the important credit contract file to a block chain network, so that the safety and the reliability of file storage are improved.
2. The credit products are sold on the e-commerce platform as commodities after being accessed to the financial science and technology platform, various credit schemes are provided, and the requirements of different customers and different scenes are met.
Further, the following effects are also provided:
(1) user privacy is protected through a block chain technology, an encryption technology and an intelligent contract technology, and data security is improved.
(2) Providing a unified credit product entrance, integrating the credit product attributes of internal and external financial institutions of a group, and developing the management (adding, modifying, auditing, issuing and the like) process of standardized products.
(3) Through specialized wind control, credit investigation and data service, the time and labor cost of admission and audit are reduced, and the service acceptance efficiency is improved.
(4) On one hand, credit products are sold through supermarkets, on the other hand, on an e-commerce platform, transaction scenes such as order management, contract management and the like are embedded into credit business transaction entrances, credit business transaction channels are added, and credit business scene realization is realized.
(5) In the pre-loan and mid-loan links, credit risk in transaction is reduced through a credit investigation system, and in the post-loan link, enterprise operation risk is continuously tracked in real time through credit early warning, so that credit business risk is reduced.
(6) The method realizes the online realization of the existing credit business of the financial company, and comprises the links of marketing, limit application, loan application, expiration reminding, collection urging and the like.
Example four
In the present embodiment, as shown in fig. 3, there is provided a block chain-based credit data processing apparatus including:
a service information data packet uploading module 310, configured to obtain a service information data packet sent by a first party and associated with a loan request, and upload the service information data packet to a block chain network;
a signing request module 320, configured to obtain a signing request initiated by the first party, parse the signing request, and obtain a data packet identifier corresponding to the signing request;
a request and data packet association module 330, configured to determine, according to the data packet identifier, at least one service information data packet corresponding to the data packet identifier that has been uploaded to the block chain network, and associate the subscription request with the determined at least one service information data packet;
a first confirmation information obtaining module 340, configured to obtain first confirmation information of the second party on the subscription request;
a contract information generation and uploading module 350, configured to generate contract information in response to the signing information of the first party and the second party, and upload the contract information to the blockchain network;
a financing request obtaining module 360, configured to obtain a financing request issued based on the contract information and initiated by the first party;
and a financing amount transfer module 370, configured to obtain second confirmation information of the financing request by the second party, and transfer the financing amount to an account corresponding to the financing request based on the second confirmation information.
In one embodiment, further comprising:
the payment receipt information acquisition module is used for acquiring feedback information of an account corresponding to the financing request and generating payment receipt information based on the feedback information;
and the payment receipt information uploading module is used for uploading the payment receipt information to the block chain network.
In one embodiment, the block chain-based credit data processing apparatus further comprises:
the repayment time acquisition module is used for acquiring repayment time according to the contract information;
the time difference detection module is used for acquiring the current time and detecting whether the difference between the current time and the repayment time is smaller than a preset time difference;
and the repayment information sending module is used for sending repayment reminding information to the first party when the difference value between the current time and the repayment time is smaller than a preset time difference value.
In one embodiment, the block chain-based credit data processing apparatus further comprises:
a repayment request receiving detection module, configured to detect whether a repayment request sent by the first party is received when a difference between the current time and the repayment time is greater than a preset time difference;
the third confirmation information acquisition module is used for acquiring third confirmation information of the repayment request when the repayment request sent by the first party is received;
and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
In one embodiment, the block chain-based credit data processing apparatus further comprises:
a fourth confirmation information obtaining module, configured to obtain fourth confirmation information of the first party to the service information packet;
a fifth acknowledgement information obtaining module, configured to obtain fifth acknowledgement information of the service information packet that is uploaded to the blockchain network by the second party;
and a service information data packet association module, configured to associate the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that is uploaded to the blockchain network.
In one embodiment, the block chain-based credit data processing apparatus further comprises:
the enterprise information acquisition module is used for acquiring enterprise information of a first party;
the enterprise credit value generating module is used for generating a corresponding enterprise credit value according to a preset rule based on the enterprise information;
the credit limit acquisition module is used for acquiring a corresponding credit limit according to the enterprise credit value;
and the enterprise credit information packet generation module is used for packaging the enterprise information and the credit limit to generate an enterprise credit information packet and uploading the enterprise credit information packet to the block chain network.
For specific limitations of the block chain based credit data processing apparatus, reference may be made to the above limitations of the block chain based credit data processing method, which are not described herein again. The respective units in the block chain-based credit data processing apparatus described above may be implemented in whole or in part by software, hardware, and a combination thereof. The units can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the units.
EXAMPLE five
In this embodiment, a computer device is provided. The internal structure thereof may be as shown in fig. 4. The computer device includes a processor, a memory, a network interface, a display screen, and an input device connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program, and is deployed with a database for data of a blockchain. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the computer device is used to communicate with other computer devices that deploy application software. The computer program is executed by a processor to implement a block chain based credit data processing method. The display screen of the computer equipment can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer equipment can be a touch layer covered on the display screen, a key, a track ball or a touch pad arranged on the shell of the computer equipment, an external keyboard, a touch pad or a mouse and the like.
Those skilled in the art will appreciate that the architecture shown in fig. 4 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, there is provided a computer device comprising a memory storing a computer program and a processor implementing the following steps when the processor executes the computer program:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
acquiring feedback information of an account corresponding to the financing request, and generating bill paying information based on the feedback information;
and uploading the put-in receipt information to the block chain network.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
acquiring repayment time according to the contract information;
acquiring current time, and detecting whether the difference value between the current time and the repayment time is smaller than a preset time difference value;
and when the difference value between the current time and the repayment time is smaller than a preset time difference value, sending repayment reminding information to the first party.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
when the difference value between the current time and the repayment time is larger than a preset time difference value, detecting whether a repayment request sent by the first party is received;
when a repayment request sent by the first party is received, third confirmation information of the repayment request is obtained;
and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
acquiring fourth confirmation information of the first party to the service information data packet;
acquiring fifth confirmation information of the second party on the service information data packet uploaded to the block chain network;
associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that has been uploaded to the blockchain network.
In one embodiment, the processor, when executing the computer program, further performs the steps of:
acquiring enterprise information of a first party;
generating a corresponding enterprise credit value according to a preset rule based on the enterprise information;
acquiring a corresponding credit limit according to the enterprise credit value;
and packaging the enterprise information and the credit limit to generate an enterprise credit information packet, and uploading the enterprise credit information packet to the block chain network.
EXAMPLE six
In this embodiment, a computer-readable storage medium is provided, on which a computer program is stored, the computer program realizing the following steps when executed by a processor:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring feedback information of an account corresponding to the financing request, and generating bill paying information based on the feedback information;
and uploading the put-in receipt information to the block chain network.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring repayment time according to the contract information;
acquiring current time, and detecting whether the difference value between the current time and the repayment time is smaller than a preset time difference value;
and when the difference value between the current time and the repayment time is smaller than a preset time difference value, sending repayment reminding information to the first party.
In one embodiment, the computer program when executed by the processor further performs the steps of:
when the difference value between the current time and the repayment time is larger than a preset time difference value, detecting whether a repayment request sent by the first party is received;
when a repayment request sent by the first party is received, third confirmation information of the repayment request is obtained;
and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring fourth confirmation information of the first party to the service information data packet;
acquiring fifth confirmation information of the second party on the service information data packet uploaded to the block chain network;
associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that has been uploaded to the blockchain network.
In one embodiment, the computer program when executed by the processor further performs the steps of:
acquiring enterprise information of a first party;
generating a corresponding enterprise credit value according to a preset rule based on the enterprise information;
acquiring a corresponding credit limit according to the enterprise credit value;
and packaging the enterprise information and the credit limit to generate an enterprise credit information packet, and uploading the enterprise credit information packet to the block chain network.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A block chain based credit data processing method, comprising:
acquiring a service information data packet which is sent by a first party and is associated with a loan request, and uploading the service information data packet to a block chain network;
acquiring a signing request initiated by the first party, analyzing the signing request, and acquiring a data packet identifier corresponding to the signing request;
determining at least one service information data packet which is uploaded to the block chain network and corresponds to the data packet identifier according to the data packet identifier, and associating the subscription request with the determined at least one service information data packet;
acquiring first confirmation information of a second party to the signing request;
generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the blockchain network;
acquiring a financing request which is initiated by the first party and sent out based on the contract information;
and acquiring second confirmation information of the second party to the financing request, and transferring the financing money to an account corresponding to the financing request based on the second confirmation information.
2. The method according to claim 1, wherein the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further comprises:
acquiring feedback information of an account corresponding to the financing request, and generating bill paying information based on the feedback information;
and uploading the put-in receipt information to the block chain network.
3. The method according to claim 1, wherein the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further comprises:
acquiring repayment time according to the contract information;
acquiring current time, and detecting whether the difference value between the current time and the repayment time is smaller than a preset time difference value;
and when the difference value between the current time and the repayment time is smaller than a preset time difference value, sending repayment reminding information to the first party.
4. The method according to claim 3, wherein the step of obtaining second confirmation information of the second party to the financing request and transferring financing money to an account corresponding to the financing request based on the second confirmation information further comprises:
when the difference value between the current time and the repayment time is larger than a preset time difference value, detecting whether a repayment request sent by the first party is received;
when a repayment request sent by the first party is received, third confirmation information of the repayment request is obtained;
and acquiring the repayment money sent by the first party and transferring the repayment money to the account of the second party.
5. The method of claim 1, wherein the step of obtaining a service information packet associated with the loan request sent by the first party and uploading the service information packet to the blockchain network further comprises:
acquiring fourth confirmation information of the first party to the service information data packet;
acquiring fifth confirmation information of the second party on the service information data packet uploaded to the block chain network;
associating the fourth acknowledgement information and the fifth acknowledgement information with the service information data packet that has been uploaded to the blockchain network.
6. The method according to any one of claims 1-5, further comprising:
acquiring enterprise information of a first party;
generating a corresponding enterprise credit value according to a preset rule based on the enterprise information;
acquiring a corresponding credit limit according to the enterprise credit value;
and packaging the enterprise information and the credit limit to generate an enterprise credit information packet, and uploading the enterprise credit information packet to the block chain network.
7. A block chain-based credit data processing apparatus, comprising:
the service information data packet uploading module is used for acquiring a service information data packet which is sent by a first party and is associated with the loan request, and uploading the service information data packet to a block chain network;
the signing request module is used for acquiring a signing request initiated by the first party, analyzing the signing request and acquiring a data packet identifier corresponding to the signing request;
a request and data packet association module, configured to determine, according to the data packet identifier, at least one service information data packet corresponding to the data packet identifier that has been uploaded to the block chain network, and associate the subscription request with the determined at least one service information data packet;
a first confirmation information obtaining module, configured to obtain first confirmation information of the second party on the subscription request;
the contract information generation and uploading module is used for responding to the signing information of the first party and the second party, generating contract information and uploading the contract information to the block chain network;
a financing request acquisition module, configured to acquire a financing request issued based on the contract information and initiated by the first party;
and the financing amount transfer module is used for acquiring second confirmation information of the second party on the financing request and transferring the financing amount to an account corresponding to the financing request based on the second confirmation information.
8. The apparatus of claim 7, further comprising:
the payment receipt information acquisition module is used for acquiring feedback information of an account corresponding to the financing request and generating payment receipt information based on the feedback information;
and the payment receipt information uploading module is used for uploading the payment receipt information to the block chain network.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the processor implements the steps of the method of any one of claims 1 to 6 when executing the computer program.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 6.
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| CN113469800A (en) * | 2021-06-30 | 2021-10-01 | 浙江数秦科技有限公司 | Agricultural credit system based on block chain |
| CN113487404A (en) * | 2021-06-30 | 2021-10-08 | 浙江数秦科技有限公司 | Agricultural credit financing guarantee service platform based on block chain |
| CN114881772A (en) * | 2022-07-05 | 2022-08-09 | 浙江数秦科技有限公司 | Loan processing method based on block chain |
| CN115545903A (en) * | 2022-10-19 | 2022-12-30 | 国家电投集团财务有限公司 | Credit management system and method |
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