CN115757310A - Credit information sharing method and device, computer equipment and storage medium - Google Patents
Credit information sharing method and device, computer equipment and storage medium Download PDFInfo
- Publication number
- CN115757310A CN115757310A CN202211376467.7A CN202211376467A CN115757310A CN 115757310 A CN115757310 A CN 115757310A CN 202211376467 A CN202211376467 A CN 202211376467A CN 115757310 A CN115757310 A CN 115757310A
- Authority
- CN
- China
- Prior art keywords
- information
- change
- credit
- sharing
- verified
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims abstract description 57
- 230000008859 change Effects 0.000 claims abstract description 353
- 238000012790 confirmation Methods 0.000 claims abstract description 69
- 238000012795 verification Methods 0.000 claims abstract description 66
- 238000004590 computer program Methods 0.000 claims abstract description 19
- 238000004806 packaging method and process Methods 0.000 claims abstract description 11
- 239000000463 material Substances 0.000 claims description 119
- 238000012550 audit Methods 0.000 claims description 54
- 230000004075 alteration Effects 0.000 claims description 5
- 230000006870 function Effects 0.000 claims description 5
- 238000010586 diagram Methods 0.000 description 8
- 238000004891 communication Methods 0.000 description 6
- 238000004422 calculation algorithm Methods 0.000 description 4
- 230000008569 process Effects 0.000 description 4
- 238000013500 data storage Methods 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 3
- 230000007246 mechanism Effects 0.000 description 3
- 230000008520 organization Effects 0.000 description 3
- 230000000694 effects Effects 0.000 description 2
- 238000011156 evaluation Methods 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- OKTJSMMVPCPJKN-UHFFFAOYSA-N Carbon Chemical compound [C] OKTJSMMVPCPJKN-UHFFFAOYSA-N 0.000 description 1
- 238000004458 analytical method Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 230000001413 cellular effect Effects 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 229910021389 graphene Inorganic materials 0.000 description 1
- 238000003384 imaging method Methods 0.000 description 1
- 230000003993 interaction Effects 0.000 description 1
- 239000004973 liquid crystal related substance Substances 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 230000003287 optical effect Effects 0.000 description 1
- 230000003068 static effect Effects 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
- 230000000007 visual effect Effects 0.000 description 1
Images
Abstract
The application relates to a credit information sharing method, a credit information sharing device, a computer device, a storage medium and a computer program product. The method comprises the following steps: obtaining an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information; acquiring confirmation change information corresponding to the credit grade change application which passes the verification based on the verification result, packaging the confirmation change information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the shared node participating in the credit information sharing; updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring the credit information of the shared object identification by the shared node. By adopting the method, the accuracy rate of sharing the credit information can be improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a method, an apparatus, a computer device, a storage medium, and a computer program product for sharing credit information.
Background
With the development of internet technology, more and more organizations providing credit information inquiry share the credit information of individuals or enterprises, and the efficiency of acquiring the credit information of the individuals or the enterprises is improved.
In the prior art, each mechanism for providing credit information inquiry respectively stores the credit information of the own individual or enterprise, and each mechanism for providing credit information inquiry realizes the sharing of the credit information by opening a corresponding inquiry interface.
Disclosure of Invention
In view of the above, it is necessary to provide a credit information sharing method, apparatus, computer device, computer readable storage medium and computer program product capable of improving the accuracy of sharing credit information.
In a first aspect, the present application provides a credit information sharing method. The method comprises the following steps:
obtaining an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information;
acquiring confirmation change information corresponding to the credit grade change application which passes the verification based on the verification result, packaging the confirmation change information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the shared node participating in the credit information sharing;
updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring credit information of the shared object identification by the shared node.
In one embodiment, said updating the shared block chain based on the target block to obtain the target block chain further comprises:
broadcasting the target block to the sharing node; and the sharing node acquires the target block and connects the target block with a sharing block chain stored in the sharing node to obtain a target block chain corresponding to the sharing node.
In an embodiment, the obtaining an audit result corresponding to the credit level change application of the shared object identifier includes:
acquiring a credit level change application of a shared object identifier through a sharing node in the sharing nodes; the sharing node is a node with the functions of acquiring and storing credit level change application;
the credit grade change application is stored in a first database through the sharing node;
acquiring the credit grade change application from the first database based on a preset condition, and generating auditing information corresponding to the credit grade change application based on the credit grade change application;
and obtaining an auditing result of the credit grade change application corresponding to the auditing information based on the auditing information.
In one embodiment, the credit rating change application includes change evidencing material; the credit information sharing method comprises the following steps:
acquiring a change confirmation certification material corresponding to the credit grade change application passing the audit based on the audit result;
encrypting the confirmation change certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material;
storing the encrypted alteration proof material in a second database; the second database is used for verifying the first information to be verified sent by the shared node.
In an embodiment, the change information includes a hash value of the certification material corresponding to the change certification material; the credit information sharing method further includes:
acquiring first to-be-verified information sent by a verification shared node;
based on the secret key, obtaining a change certification material corresponding to a first object identification to be verified in the first information to be verified from the second database, and generating a first hash value corresponding to the change certification material;
obtaining a certification material hash value in change information corresponding to the first object identifier to be verified from the target block chain, comparing the first hash value with the certification material hash value, and if the first hash value is the same as the certification material hash value, determining that the change certification material is a usable change certification material;
verifying the first to-be-verified information based on the usable change certification material to obtain a first verification result corresponding to the first to-be-verified information, and sending the first verification result to the verification sharing node.
In one embodiment, the credit information sharing method further comprises:
acquiring information to be inquired; the information to be inquired comprises an object identifier to be inquired;
and obtaining the credit level corresponding to the object identification to be inquired from the target database.
In one embodiment, the credit information sharing method further includes:
acquiring information to be verified; the information to be verified comprises an object identifier to be verified and a credit level to be verified corresponding to the object identifier to be verified;
acquiring change information corresponding to an object identifier to be verified from a target block chain corresponding to the shared node;
and verifying the credit grade to be verified based on the reference credit grade in the change information to obtain a verification result corresponding to the information to be verified.
In a second aspect, the present application further provides a credit information sharing apparatus. The device comprises:
the acquisition module is used for acquiring an auditing result corresponding to the credit level change application of the shared object identifier; the credit grade change application comprises change information;
the updating module is used for acquiring the change confirmation information corresponding to the credit grade change application which passes the verification based on the verification result, packaging the change confirmation information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the shared node participating in the credit information sharing;
the storage module is used for updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring credit information of the shared object identification by the shared node.
In a third aspect, the present application also provides a computer device. The computer device comprises a memory storing a computer program and a processor implementing the following steps when executing the computer program:
obtaining an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information;
acquiring confirmation change information corresponding to the credit grade change application which passes the verification based on the verification result, packaging the confirmation change information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the sharing node participating in the credit information sharing;
updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring the credit information of the shared object identification by the shared node.
In a fourth aspect, the present application further provides a computer-readable storage medium. The computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the steps of:
obtaining an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information;
acquiring confirmation change information corresponding to the credit grade change application passing the verification based on the verification result, packaging the confirmation change information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the sharing node participating in the credit information sharing;
updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring the credit information of the shared object identification by the shared node.
The credit information sharing method, the credit information sharing device, the computer equipment, the storage medium and the computer program product acquire the auditing result corresponding to the credit level change application of the shared object identifier, acquire the confirmation change information corresponding to the credit level change application which passes the auditing on the basis of the auditing result, pack the confirmation change information into the target block, update the shared block chain on the basis of the target block to obtain the target block chain, and then update the credit level of the shared object identifier corresponding to the confirmation change information in the target database on the basis of the confirmation change information. The credit grade change application needs to be checked, so that the accuracy of the credit grade change application containing the credit information is improved; packaging the confirmed change information in the credit grade change application which passes the verification into a target block, and then connecting the target block with a shared block chain to obtain a target block chain; and updating the credit level of the shared object identifier in the target database based on the confirmed change information, so that the accuracy of the shared credit level is improved.
Drawings
FIG. 1 is a diagram of an exemplary environment in which a credit sharing method may be implemented;
FIG. 2 is a flowchart illustrating a credit sharing method according to an embodiment;
FIG. 3 is a flowchart illustrating the audit result obtaining step in one embodiment;
FIG. 4 is a flowchart illustrating the credit verification step in one embodiment;
FIG. 5 is a block diagram of a credit sharing architecture in one embodiment;
FIG. 6 is a diagram of change information in one embodiment;
FIG. 7 is a schematic diagram of nodes and storage space in one embodiment;
FIG. 8 is a block diagram of a credit information sharing apparatus according to an embodiment;
FIG. 9 is a diagram of an internal structure of a computer device in one 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.
The credit information sharing method provided by the embodiment of the application can be applied to the application environment shown in fig. 1. Wherein the terminal 102 communicates with the server 104 via a network. The data storage system may store data that the server 104 needs to process. The data storage system may be integrated on the server 104, or may be located on the cloud or other network server. Both the terminal and the server can be independently used for executing the credit information sharing method provided in the embodiment of the application. The terminal and the server may also be cooperatively used to execute the credit information sharing method provided in the embodiments of the present application. For example, the computer device obtains an audit result corresponding to a credit level change application of the shared object identifier, then obtains change confirmation information corresponding to the credit level change application that is approved, packages the change confirmation information into a target block, updates the shared block chain based on the target block to obtain a target block chain, and then updates the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information. The terminal 102 may be, but not limited to, various personal computers, notebook computers, smart phones, tablet computers, internet of things devices and portable wearable devices, and the internet of things devices may be smart speakers, smart televisions, smart air conditioners, smart car-mounted devices, and the like. The portable wearable device can be a smart watch, a smart bracelet, a head-mounted device, and the like. The server 104 may be implemented as a stand-alone server or a server cluster comprised of multiple servers.
In one embodiment, as shown in fig. 2, a credit information sharing method is provided, which is applicable to a computer device, and the computer device may be a terminal or a server, and is executed by the terminal or the server itself, or may be implemented through interaction between the terminal and the server. The embodiment is described by taking the method as an example applied to a computer device, and includes steps 202 to 206.
The shared object identifier refers to a character string corresponding to the shared object one to one. The shared object refers to a subject of the shared credit information, and may be an individual or a business. The shared object identification may represent a string of characters of the shared object for the name, number, etc. of the shared object. Such as the name of the individual, the identification number, the name of the business, the registration number. The shared object identification may be comprised of one or more of letters, numbers, symbols, and the like. A credit rating refers to a rating representing a person's or business' credit, rated according to the person's or business's credit activity. For example, the credit rating of an individual is divided into 11 credit ratings of-1 to 10, -1 represents that the corresponding user is a new user and has no credit information to refer to, and the higher the credit rating between 0 and 10, the better the credit representing the corresponding user. The credit rating change application is an application for changing credit information of an individual or an entrepreneur. The credit rating change application includes, but is not limited to, basic information of a change target, change information, change certification material, and the like. The audit result is a result obtained by auditing the credit rating change application. The auditing result can comprise a passing auditing result and a non-passing auditing result, and can also be divided according to the actual situation. The change information is information related to a change of the credit information. The change information includes, but is not limited to, basic information, credit rating change information, and a change certification material hash value, the basic information includes, but is not limited to, a change time, a change object name, and a change object ID (Identity document), and the credit rating change information includes, but is not limited to, a credit rating change number, a credit rating change application node public key, a credit rating before application change, and a credit rating after application change.
Illustratively, the computer device obtains an audit result corresponding to a credit level change application of the shared object identifier, where the credit level change application corresponding to the shared object identifier includes change information.
The block is a data structure in the computer storage, and is essentially a string of codes, and the code stores the confirmed change information. The block chain refers to a chain of blocks, each block stores certain information, and the blocks are connected into the chain according to the time sequence generated by each block. The sharing node refers to an object participating in credit information sharing. The sharing node may refer to a server participating in the sharing of the credit information, and may also refer to an organization and a mechanism participating in the sharing of the credit information. The credit information refers to various information collected by law for providing services for activities such as finance and the like and identifying and judging the credit conditions of enterprises and individuals.
Illustratively, the computer device obtains change confirmation information corresponding to the credit level change application which is approved, packages the change confirmation information into a target block, and then connects the target block with the shared block chain to obtain a target block chain. The sharing node participating in the credit information sharing may obtain the confirmation change information corresponding to the shared object identifier from the target block chain, and verify the credit information corresponding to the shared object identifier using the confirmation change information.
In one embodiment, the computer device obtains change confirmation information corresponding to the credit level change application that is approved from a target application library, where the target application library stores a shared database of the credit level change application for each shared node in the shared nodes, and each shared node has a right to write the credit level change application into the target database and does not have a right to read and modify the credit level change application in the target data.
In one embodiment, the computer device obtains change confirmation information corresponding to the checked credit level change application from a plurality of shared databases, wherein the shared databases correspond to sharing nodes in the sharing node respectively, and each sharing node saves the obtained credit level change application in the shared database corresponding to the sharing node.
The target database is a database used for storing the corresponding relation between the shared object identification and the credit level corresponding to the shared object identification. The target database may be a storage space in a server, a hard disk, or a cloud, etc.
Illustratively, the computer device updates the credit level of the corresponding shared object identifier in the target data according to the validation change information. The sharing node can acquire the credit level corresponding to the target object identification from the target database.
In one embodiment, the target database stores credit information corresponding to the shared object identifier, and the credit information includes credit information such as credit level, number of times of credit level change, credit level before change, and the like. And the computer equipment updates the credit information of the sharing object identification corresponding to the confirmed change information in the target data based on the confirmed change information.
In one embodiment, the credit information sharing method includes at least three types of nodes, which are a supervision node, a sharing node and a using node respectively, the supervision node performs auditing on a credit level change application of a shared object identifier, acquires an auditing result corresponding to the credit level change application, packages approved change confirmation information into a target block, broadcasts the target block to the sharing node and the using node, updates a credit level corresponding to a target object identifier in target data based on the change confirmation information, and the like, for example, ABC bank, a related financial supervision institution, or ABC bank server, a related financial supervision institution server; the sharing node obtains credit level change applications corresponding to the sharing object identification, for example, each bank or each bank server; and querying the confirmation change information corresponding to the shared object identifier in the target block chain and querying the credit level corresponding to the target object identifier in the target database by using the node, such as an organization or an organization server needing credit information.
In the credit information sharing method, an audit result corresponding to a credit level change application of a shared object identifier is obtained, confirmation change information corresponding to the credit level change application which passes the audit is obtained based on the audit result, the confirmation change information is packaged into a target block, a shared block chain is updated based on the target block to obtain a target block chain, and then the credit level of the shared object identifier corresponding to the confirmation change information in a target database is updated based on the confirmation change information. The credit grade change application needs to be checked, so that the accuracy of the credit grade change application containing the credit information is improved; packaging the confirmed change information in the credit grade change application which passes the verification into a target block, and then connecting the target block with a shared block chain to obtain a target block chain; and updating the credit level of the shared object identifier in the target database based on the confirmed change information, so that the accuracy of the shared credit level is improved.
In one embodiment, updating the shared block chain based on the target block to obtain the target block chain further includes:
broadcasting the target block to the sharing node; and the sharing node acquires the target block, and connects the target block with the sharing block chain stored in the sharing node to obtain the target block chain corresponding to the sharing node.
Illustratively, the computer device broadcasts the target block to the sharing node, the sharing node obtains the target block, and then connects the target block with the sharing block chain stored by the sharing node to obtain the target block chain corresponding to the sharing node.
In this embodiment, the target block is broadcasted to the sharing node, the sharing node acquires the target block and stores the target block, so that credit information sharing between the node broadcasting the target block and the sharing node is realized, the block chain is used to store the credit information in the block, tampering of the stored information is avoided, and accuracy of the shared credit information is improved.
In an embodiment, as shown in fig. 3, acquiring an audit result corresponding to a credit level change application of a shared object identifier includes:
The sharing node is a node providing credit information corresponding to the sharing object identifier. The sharing node can be one or more. The sharing node applies for sharing credit information by providing credit level change.
Illustratively, the computer device obtains a credit level change application of the shared object identifier through a sharing node in the sharing nodes. The sharing node has the functions of acquiring and storing credit information level change applications.
And step 304, storing the credit level change application in a first database through the sharing node.
The first database is a database used for storing credit level change applications acquired by the sharing nodes. And the first database stores credit level change applications acquired by a plurality of sharing nodes.
Illustratively, the computer device saves the credit level change application in the first database through the sharing node.
In one embodiment, the sharing node obtains a credit level change application corresponding to the shared object identifier, the credit level change application includes change information and change certification material, the sharing node encrypts the change certification material to obtain an encrypted change certification material and a corresponding encryption key, then stores the change information and the encrypted change certification material in a first database, and sends the encryption key to the computer device, and the computer device obtains the encryption key.
And step 306, acquiring the credit rating change application from the first database based on the preset condition, and generating auditing information corresponding to the credit rating change application based on the credit rating change application.
The preset condition refers to a preset condition. The preset condition may be that the number of the credit level change applications in the first database reaches a preset number, or may be every preset time period, and the like. For example, the number of credit rating change applications in the first database may reach 10, or every 2 days. The audit information is information for auditors to audit the credit rating change application. The audit information includes but is not limited to an application node, an application object identifier, and an application time. It can be understood as the item to be audited presented on the terminal.
Illustratively, the computer device acquires the credit level change application from the first database, and generates auditing information corresponding to the credit level change application according to the credit level change application.
In one embodiment, the computer device further generates an audit prompt message based on the credit level change application, and then sends the audit prompt message to an auditor corresponding to the credit level change application.
And 308, obtaining the auditing result of the credit grade change application corresponding to the auditing information based on the auditing information.
Illustratively, the computer device obtains an audit result corresponding to the credit level change application based on the audit information.
In one embodiment, the computer device presents the audit information through the terminal, the audit staff audit the credit level change application based on the audit information, the audit staff inputs the audit result through the terminal, and the computer device obtains the audit result corresponding to the credit level change application.
In this embodiment, the credit level change application is acquired from the first database, the audit information is generated based on the credit level change application, the audit result of the credit level change application is acquired based on the audit information, and the accuracy of the credit information in the credit level change application is improved by auditing the credit level change application.
In one embodiment, the credit rating change application includes change certification material, and the credit information sharing method further includes:
acquiring a confirmation change proving material corresponding to the credit grade change application which passes the verification based on the verification result; encrypting the confirmed change certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material; storing the encrypted change proof material in a second database; the second database is used for verifying the first information to be verified sent by the shared node.
The encryption is a process of changing original information data by a special algorithm to obtain encrypted information data. A key is a parameter input in an algorithm that converts plaintext into ciphertext or ciphertext into plaintext. The first information to be verified is a message which is sent by the sharing node and used for verifying the sharing credit information. It can be understood that, the sharing node verifies the credit information to be verified based on the change information in the target block chain, and still holds the suspect attitude for the credit information to be verified, and sends a message for further verifying the credit information to be verified.
Illustratively, the computer device obtains a confirmation change certification material corresponding to the approved credit level change application, encrypts the confirmation change certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material, and stores the encrypted change certification material in the second database. The second database is used for verifying the first information to be verified sent by the shared node.
In this embodiment, the change-confirming certification material corresponding to the credit rating change application that has passed the audit is encrypted, and the encrypted change-confirming certification material is stored, so that the sharing node is prevented from acquiring the change-confirming certification material, and the privacy of the change-confirming certification material is ensured.
In one embodiment, as shown in fig. 4, the change information includes a hash value of the certification material corresponding to the change certification material, and the credit information sharing method further includes:
Illustratively, the computer device acquires first information to be verified sent by the sharing node.
The hash value is a numerical value obtained by performing logical operation on the content in the file. Different files are subjected to logic operation to obtain different hash values, and the hash values can be used for verifying whether the content in the files is modified or not.
Illustratively, the computer device obtains a first to-be-verified object identifier from the first to-be-verified information, then obtains an encrypted change certification material corresponding to the first to-be-verified object identifier from the second data, then decrypts the encrypted change certification material by using a secret key, obtains a change certification material corresponding to the first to-be-verified object identifier, and performs corresponding logical operation on content in the change certification material, so as to obtain a first hash value corresponding to the change certification material.
Illustratively, the computer device obtains change information corresponding to a first object identifier to be verified from the target block chain, then obtains a certification material hash value from the change information, and then compares the first hash value with the certification material hash value, if the first hash value is the same as the certification material hash value, the change certification material is determined to be usable change certification material, and if the first hash value is different from the certification material hash value, the change certification material is modified, and the change certification material is determined to be unusable change certification material.
The first verification result refers to a result obtained by verifying the first to-be-verified information.
Illustratively, the computer device verifies the first to-be-verified information according to the information in the usable alteration proof material, obtains a first verification result corresponding to the first to-be-verified information, and then sends the first verification result to the verification shared node.
In one embodiment, the computer device presents the usable modified certification material to an auditor through a terminal, the auditor verifies the first to-be-verified information according to the usable modified certification material, inputs the first verification result through the terminal, and the computer device obtains the first verification result corresponding to the first to-be-verified information and sends the first verification result to the verification sharing node.
In this embodiment, the computer device obtains the first to-be-verified information sent by the shared node, then obtains the changed certification material corresponding to the first to-be-verified information from the second database, and verifies the first to-be-verified information based on the changed certification material, so that the accuracy of the credit information obtained by the verification node is improved.
In one embodiment, the credit information sharing method further comprises:
acquiring information to be inquired; the information to be queried comprises an object identifier to be queried; and obtaining the credit level corresponding to the object identification to be inquired from the target database.
Wherein, the query information refers to a message for querying the credit rating of the user.
Illustratively, the computer device obtains information to be queried including an identifier of an object to be queried, and then obtains a credit level corresponding to the identifier of the object to be queried from the target database.
In one embodiment, any sharing node acquires information to be queried, including an object identifier to be queried, and then acquires a credit level corresponding to the object identifier to be queried from a target database.
In this embodiment, the credit level corresponding to the identifier of the object to be queried is obtained from the target database, and the target database realizes sharing of the credit level between the sharing nodes, thereby improving the efficiency of obtaining the credit level corresponding to the identifier of the object to be queried.
In one embodiment, the credit information sharing method further comprises:
acquiring information to be verified; the information to be verified comprises an object identifier to be verified and a credit level to be verified corresponding to the object identifier to be verified; acquiring change information corresponding to an object identifier to be verified from a target block chain corresponding to the shared node; and verifying the credit grade to be verified based on the reference credit grade in the change information to obtain a verification result corresponding to the information to be verified.
The information to be verified refers to a message for verifying the credit level of the user.
Illustratively, the computer device obtains information to be verified including an identifier of an object to be verified and a credit level to be verified corresponding to the identifier of the object to be verified, then obtains change information corresponding to the identifier of the object to be verified from a target block chain corresponding to the shared node, and then verifies the credit level to be verified based on a reference credit level in the change information to obtain a verification result corresponding to the information to be verified.
In one embodiment, any sharing node acquires information to be verified, which includes an identification of an object to be verified and a credit level to be verified corresponding to the identification of the object to be verified, acquires change information corresponding to the identification of the object to be verified from a target block chain corresponding to the sharing node, and verifies the credit level to be verified based on a reference credit level in the change information to obtain a verification result corresponding to the information to be verified.
In this embodiment, the change information corresponding to the identifier of the object to be verified is acquired from the target block chain, and then the credit level to be verified is verified based on the reference credit level in the change information, so that the efficiency of acquiring the verification result corresponding to the information to be verified is improved.
In an exemplary embodiment, the credit information sharing is realized through an architecture as shown in fig. 5, wherein the credit information sharing platform comprises an application layer, an intelligent contract layer and a block chain data storage layer, the credit information sharing platform is deployed at each server participating in the credit information sharing, and the credit information sharing platform comprises a credit information uploading sharing module and a credit information inquiring module.
The participating objects participating in the credit information sharing include auditing objects, sharing objects and using objects, the auditing objects can be banks of Chinese people and related financial monitoring organizations at all levels, the sharing objects can be banks and other financial organizations, and the using objects can be organizations or organizations needing to inquire credit levels. The nodes participating in the credit information sharing comprise an auditing node, a sharing node and a using node, wherein the auditing node is a server used by an auditing object, the sharing node is a server used by a sharing object, and the using node is a server used by a using object. The storage space participating in the sharing of the credit information comprises a shared block chain, a target database, a first database and a second database, wherein the shared block chain is used for storing change information, the change information is shown in fig. 6, the target database is used for storing credit levels corresponding to users, the first database is used for storing credit level change applications, the second database is used for storing change certification materials, and the corresponding relation between each node and each storage space is shown in fig. 7.
And acquiring and storing the credit grade change application. The method comprises the steps that a sharing node or a plurality of sharing nodes acquire credit level change applications corresponding to user identifications through a credit information sharing platform, the credit level change applications comprise change information and change certification materials, the change certification materials are used as reasonable bases for a supervision node to judge whether the credit level change applications are available or not, the change certification materials comprise basic information of users, credit level change information, a credit level evaluation algorithm and results obtained by calculation through the credit level evaluation algorithm, and then the sharing nodes which acquire the credit level change applications respectively store the credit level change applications in a first database.
And obtaining an auditing result. The method comprises the steps that an audit node acquires all credit level change applications from a first database at intervals, deletes all the credit level change applications in the first database, converts the credit level change applications into audit information, presents the audit information to an auditor through a credit information sharing platform arranged by the audit node, generates corresponding audit prompt information, sends the audit prompt information to the auditor, audits the credit level change applications according to the audit information, and inputs audit results corresponding to the credit level change applications after the audit is completed.
The change information is shared. The method comprises the steps that an audit node obtains an audit result, then, acknowledgement change information corresponding to a credit rating change application which passes the audit is obtained, the acknowledgement change information is packaged into a target block, then, the target block is connected with a shared block chain corresponding to the audit node, a target block chain corresponding to the audit node is obtained, meanwhile, the audit node broadcasts the target block to a sharing node and a using node, the sharing node and the using node obtain the target block, the sharing node connects the target block with the shared block chain stored by the sharing node, the target block chain corresponding to the sharing node is obtained, the using node connects the target block with the shared block chain stored by the using node, and the target block chain corresponding to the using node is obtained.
Sharing credit levels and saving change attestation material. And updating the credit level of the corresponding shared object identifier in the target data by the auditing node according to the confirmed change information. And the auditing node acquires the change confirmation certification material corresponding to the credit grade change application which passes the auditing, encrypts the change confirmation certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material, and stores the encrypted change certification material in a second database.
Credit information is queried. And any one or more of the auditing nodes, the sharing nodes and the using nodes acquire the information to be queried including the identification of the object to be queried, and then acquire the credit level corresponding to the identification of the object to be queried from the target database.
The credit information is verified. The method comprises the steps that any one or more of an auditing node, a sharing node and a using node acquire information to be verified, wherein the information to be verified comprises an identification of an object to be verified and a credit level to be verified corresponding to the identification of the object to be verified, then change information corresponding to the identification of the object to be verified is acquired from a target block chain corresponding to the sharing node, then the credit level to be verified is verified based on a reference credit level in the change information, and a verification result corresponding to the information to be verified is obtained.
The credit information is further verified. The method comprises the steps that a sharing node or any verification sharing node in a use node sends first information to be verified to an auditing node, the auditing node obtains the first information to be verified sent by the verification sharing node, a first object identification to be verified is obtained from the first information to be verified, an encrypted change certification material corresponding to the first object identification to be verified is obtained from second data, then the encrypted change certification material is decrypted by using a secret key, a change certification material corresponding to the first object identification to be verified is obtained, corresponding logic operation is carried out on the content in the change certification material, a first hash value corresponding to the change certification material is obtained, change information corresponding to the first object identification to be verified is obtained from a target block chain, then a certification material hash value is obtained from the change information, the first hash value is compared with a certification material hash value, if the first hash value is the same as the certification material hash value, the change certification material is determined to be the usable change certification material, if the first hash value is different from the certification material hash value, the change certification material hash value is modified, the change certification material is determined to be unusable change certification material, and the first verification result of the verification information corresponding to be verified is sent to the verification node.
In this embodiment, an audit result corresponding to a credit level change application of a shared object identifier is obtained, change confirmation information corresponding to a credit level change application that has passed the audit is obtained based on the audit result, the change confirmation information is packaged into a target block, a shared block chain is updated based on the target block to obtain a target block chain, and then the credit level of the shared object identifier corresponding to the change confirmation information in a target database is updated based on the change confirmation information. The credit grade change application needs to be checked, so that the accuracy of the credit grade change application containing the credit information is improved; packaging the confirmed change information in the credit grade change application which passes the verification into a target block, and then connecting the target block with a shared block chain to obtain a target block chain; and updating the credit level of the shared object identifier in the target database based on the confirmed change information, thereby improving the accuracy of the shared credit level.
It should be understood that, although the steps in the flowcharts related to the embodiments as described above are sequentially displayed as indicated by arrows, the steps are not necessarily performed sequentially 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 part of the steps in the flowcharts related to the embodiments described above may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the execution order of the steps or stages is not necessarily sequential, but may be rotated or alternated with other steps or at least a part of the steps or stages in other steps.
Based on the same inventive concept, the embodiment of the application also provides a credit information sharing device for realizing the credit information sharing method. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme described in the above method, so specific limitations in one or more embodiments of the credit information sharing device provided below can be referred to the limitations of the credit information sharing method in the above, and details are not described herein again.
In one embodiment, as shown in fig. 8, there is provided a credit information sharing apparatus including: an obtaining module 802, an updating module 804, and a saving module 806, wherein:
an obtaining module 802, configured to obtain an audit result corresponding to a credit level change application of a shared object identifier; the credit grade change application comprises change information;
an updating module 804, configured to obtain change confirmation information corresponding to the credit level change application that is passed through the audit based on the audit result, package the change confirmation information into a target block, and update the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying the credit information of the shared object identification by the sharing node participating in the credit information sharing;
a saving module 806, configured to update, based on the change confirmation information, a credit level of the shared object identifier corresponding to the change confirmation information in the target database; and the target database is used for inquiring the credit information of the shared object identification by the shared node.
In one embodiment, the update module 804 is further configured to: broadcasting the target block to the sharing node; and the sharing node acquires the target block, and connects the target block with the sharing block chain stored in the sharing node to obtain the target block chain corresponding to the sharing node.
In one embodiment, the obtaining module 802 is further configured to: acquiring a credit level change application of a shared object identifier through a sharing node in the sharing nodes; the sharing node is a node with the functions of acquiring and storing credit level change application; the credit grade change application is stored in a first database through a sharing node; acquiring a credit grade change application from a first database based on a preset condition, and generating auditing information corresponding to the credit grade change application based on the credit grade change application; and obtaining an auditing result of the credit grade change application corresponding to the auditing information based on the auditing information.
In one embodiment, the saving module 806 is further configured to: acquiring a change confirmation certification material corresponding to the credit grade change application passing the audit based on the audit result; encrypting the confirmed change certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material; storing the encrypted alteration proof material in a second database; the second database is used for verifying the first information to be verified sent by the shared node.
In one embodiment, the credit information sharing device further comprises a first verification module, wherein the first verification module is used for: acquiring first to-be-verified information sent by a verification shared node; based on the secret key, obtaining a changed certification material corresponding to a first to-be-verified object identifier in the first to-be-verified information from a second database, and generating a first hash value corresponding to the changed certification material; obtaining a certification material hash value in change information corresponding to a first object identification to be verified from a target block chain, comparing the first hash value with the certification material hash value, and if the first hash value is the same as the certification material hash value, determining that the change certification material is a usable change certification material; verifying the first to-be-verified information based on the usable change certification material to obtain a first verification result corresponding to the first to-be-verified information, and sending the first verification result to the verification sharing node.
In one embodiment, the credit information sharing apparatus further comprises a query module, the query module is configured to: acquiring information to be inquired; the information to be queried comprises an object identifier to be queried; and obtaining the credit level corresponding to the object identification to be inquired from the target database.
In one embodiment, the credit information sharing device further comprises a second verification module, the second verification module is configured to: acquiring information to be verified; the information to be verified comprises an object identifier to be verified and a credit level to be verified corresponding to the object identifier to be verified; acquiring change information corresponding to an object identifier to be verified from a target block chain corresponding to the shared node; and verifying the credit grade to be verified based on the reference credit grade in the change information to obtain a verification result corresponding to the information to be verified.
The various modules in the credit information sharing device may be implemented in whole or in part by software, hardware, and a combination thereof. The modules 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 modules.
In one embodiment, a computer device is provided, which may be a terminal, and its internal structure diagram may be as shown in fig. 9. The computer apparatus includes a processor, a memory, an input/output interface, a communication interface, a display unit, and an input device. The processor, the memory and the input/output interface are connected by a system bus, and the communication interface, the display unit and the input device are connected by the input/output interface to the system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The input/output interface of the computer device is used for exchanging information between the processor and an external device. The communication interface of the computer device is used for carrying out wired or wireless communication with an external terminal, and the wireless communication can be realized through WIFI, a mobile cellular network, NFC (near field communication) or other technologies. The computer program is executed by a processor to implement a credit information sharing method. The display unit of the computer device is used for forming a visual visible picture, and can be a display screen, a projection device or a virtual reality imaging device. The display screen 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.
It will be appreciated by those skilled in the art that the configuration shown in fig. 9 is a block diagram of only a portion of the configuration associated with the present application, and is not intended to limit the computing device to which the present application may be applied, and that a particular computing device may include more or fewer components than shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is further provided, which includes a memory and a processor, the memory stores a computer program, and the processor implements the steps of the above method embodiments when executing the computer program.
In an embodiment, a computer-readable storage medium is provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
In an embodiment, a computer program product is provided, comprising a computer program which, when being executed by a processor, carries out the steps of the above-mentioned method embodiments.
It should be noted that, the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, presented data, etc.) referred to in the present application are information and data authorized by the user or sufficiently authorized by each party.
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 may be implemented by hardware instructions of a computer program, which may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. Any reference to memory, database, or other medium used in the embodiments provided herein may include at least one of non-volatile and volatile memory. The nonvolatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical Memory, high-density embedded nonvolatile Memory, resistive Random Access Memory (ReRAM), magnetic Random Access Memory (MRAM), ferroelectric Random Access Memory (FRAM), phase Change Memory (PCM), graphene Memory, and the like. Volatile Memory can include Random Access Memory (RAM), external cache Memory, and the like. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), for example. The databases involved in the embodiments provided herein may include at least one of relational and non-relational databases. The non-relational database may include, but is not limited to, a block chain based distributed database, and the like. The processors referred to in the embodiments provided herein may be general purpose processors, central processing units, graphics processors, digital signal processors, programmable logic devices, quantum computing based data processing logic devices, etc., without limitation.
All possible combinations of the technical features in the above embodiments may not be described for the sake of brevity, but should be considered as being within the scope of the present disclosure 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 specific and detailed, but not construed as limiting the scope of the present application. 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, and these are all within the scope of protection of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.
Claims (10)
1. A method for sharing credit information, the method comprising:
obtaining an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information;
acquiring confirmation change information corresponding to the credit grade change application passing the verification based on the verification result, packaging the confirmation change information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for verifying credit information of the shared object identification by the sharing node participating in the credit information sharing;
updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring the credit information of the shared object identification by the shared node.
2. The method of claim 1, wherein the updating the shared blockchain based on the target block to obtain a target blockchain further comprises:
broadcasting the target block to the sharing node; and the sharing node acquires the target block and connects the target block with a sharing block chain stored in the sharing node to obtain a target block chain corresponding to the sharing node.
3. The method according to claim 1, wherein the obtaining of the audit result corresponding to the credit level change application of the shared object identifier comprises:
acquiring a credit level change application of a shared object identifier through a sharing node in the sharing nodes; the sharing node is a node with the functions of acquiring and storing credit level change application;
the credit grade change application is stored in a first database through the sharing node;
acquiring the credit grade change application from the first database based on a preset condition, and generating auditing information corresponding to the credit grade change application based on the credit grade change application;
and obtaining an auditing result of the credit grade change application corresponding to the auditing information based on the auditing information.
4. The method of claim 1, wherein the credit rating change application includes change evidencing material; the method comprises the following steps:
acquiring a confirmation change proving material corresponding to the credit grade change application which passes the verification based on the verification result;
encrypting the confirmation change certification material to obtain an encrypted change certification material and a key corresponding to the encrypted change certification material;
storing the encrypted alteration proof material in a second database; the second database is used for verifying the first information to be verified sent by the shared node.
5. The method according to claim 4, wherein the change information includes a hash value of the certification material corresponding to the change certification material; the method further comprises the following steps:
acquiring first to-be-verified information sent by a verification shared node;
based on the secret key, obtaining a change certification material corresponding to a first object identification to be verified in the first information to be verified from the second database, and generating a first hash value corresponding to the change certification material;
obtaining a certification material hash value in change information corresponding to the first object identifier to be verified from the target block chain, comparing the first hash value with the certification material hash value, and if the first hash value is the same as the certification material hash value, determining that the change certification material is a usable change certification material;
verifying the first to-be-verified information based on the usable change certification material to obtain a first verification result corresponding to the first to-be-verified information, and sending the first verification result to the verification sharing node.
6. The method of claim 1, further comprising:
acquiring information to be queried; the information to be queried comprises an object identifier to be queried;
and obtaining the credit level corresponding to the object identification to be inquired from the target database.
7. The method of claim 1, further comprising:
acquiring information to be verified; the information to be verified comprises an object identifier to be verified and a credit rating to be verified corresponding to the object identifier to be verified;
acquiring change information corresponding to an object identifier to be verified from a target block chain corresponding to the shared node;
and verifying the credit grade to be verified based on the reference credit grade in the change information to obtain a verification result corresponding to the information to be verified.
8. A credit information sharing apparatus, the apparatus comprising:
the acquisition module is used for acquiring an auditing result corresponding to the credit grade change application of the shared object identifier; the credit grade change application comprises change information;
the updating module is used for acquiring the change confirmation information corresponding to the credit grade change application passing the verification based on the verification result, packaging the change confirmation information into a target block, and updating the shared block chain based on the target block to obtain a target block chain; the target block chain is used for the shared node participating in credit information sharing to verify the credit information of the shared object identification
The storage module is used for updating the credit level of the shared object identifier corresponding to the change confirmation information in the target database based on the change confirmation information; and the target database is used for inquiring the credit information of the shared object identification by the shared node.
9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 7.
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 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211376467.7A CN115757310A (en) | 2022-11-04 | 2022-11-04 | Credit information sharing method and device, computer equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202211376467.7A CN115757310A (en) | 2022-11-04 | 2022-11-04 | Credit information sharing method and device, computer equipment and storage medium |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN115757310A true CN115757310A (en) | 2023-03-07 |
Family
ID=85356313
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202211376467.7A Pending CN115757310A (en) | 2022-11-04 | 2022-11-04 | Credit information sharing method and device, computer equipment and storage medium |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN115757310A (en) |
-
2022
- 2022-11-04 CN CN202211376467.7A patent/CN115757310A/en active Pending
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| US11204919B2 (en) | Optimizing queries and other retrieve operations in a blockchain | |
| US11399079B2 (en) | Zero-knowledge environment based networking engine | |
| US10020942B2 (en) | Token-based secure data management | |
| US9805215B1 (en) | Mapping identifying information | |
| US20150200783A1 (en) | Secure access for sensitive digital information | |
| CN112199697A (en) | Information processing method, device, equipment and medium based on shared root key | |
| CN115659417A (en) | Audit log storage method, audit log verification method, audit log storage device, audit log verification device and computer equipment | |
| CA3179201A1 (en) | Systems and methods for use in segregating data blocks to distributed storage | |
| CN117395077A (en) | Encryption processing method and device for access request, computer equipment and storage medium | |
| CN109818965B (en) | Personal identity verification device and method | |
| CN114553556B (en) | Data encryption method, device, computer equipment and storage medium | |
| CN116132065A (en) | Key determination method, device, computer equipment and storage medium | |
| TW202301160A (en) | Private joining, analysis and sharing of information located on a plurality of information stores | |
| US10043015B2 (en) | Method and apparatus for applying a customer owned encryption | |
| CN115757310A (en) | Credit information sharing method and device, computer equipment and storage medium | |
| Li et al. | Privacy protection for medical image management based on blockchain | |
| CN115470525B (en) | File protection method, system, computing device and storage medium | |
| US20240086549A1 (en) | Systems and methods for user characteristic determination through cryptographic tokenized data | |
| US20240089105A1 (en) | Systems and methods for user control and exclusion of cryptographic tokenized data | |
| CN114170014A (en) | Processing method and device for blockchain transaction, computer equipment and storage medium | |
| CN114662124A (en) | Processing method of block chain trusted data and computer readable storage medium | |
| CN117521040A (en) | Service data calling method, device, computer equipment and storage medium | |
| CN115174260A (en) | Data verification method, data verification device, computer, storage medium and program product | |
| CN117390665A (en) | Identity information management method, apparatus, device, storage medium and program product | |
| CN117744135A (en) | Protection method and device for user carbon authentication data and computer equipment |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| CB02 | Change of applicant information |
Country or region after: China Address after: 518000 Room 201, building A, No. 1, Qian Wan Road, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen, Guangdong (Shenzhen Qianhai business secretary Co., Ltd.) Applicant after: Zhaolian Consumer Finance Co.,Ltd. Applicant after: SUN YAT-SEN University Address before: 518000 Room 201, building A, No. 1, Qian Wan Road, Qianhai Shenzhen Hong Kong cooperation zone, Shenzhen, Guangdong (Shenzhen Qianhai business secretary Co., Ltd.) Applicant before: MERCHANTS UNION CONSUMER FINANCE Co.,Ltd. Country or region before: China Applicant before: SUN YAT-SEN University |
|
| CB02 | Change of applicant information |