TW201843635A - Know your customer (kyc) data sharing system based on smart contract on blockchain and method thereof - Google Patents

Abstract

A Know Your Customer (KYC) data sharing system based on smart contract on blockchain and method thereof is disclosed. By providing a KYC data to an authority end, and executing a plurality of smart contracts on the blockchain, so that at least one client, the authority end and at least one finance end are able to perform at least one functions of the smart contracts and to detect at least one event of the smart contracts, and setting different permissions for different data items by the client when the finance end requests the KYC data, and then receiving the KYC data from the authority through the finance end for review. The mechanism is help to improve the availability and the content consistency of the KYC data.

Description

KYC data sharing system based on blockchain intelligent contract and method thereof

The invention relates to a data sharing system and a method thereof, in particular to a KYC data sharing system based on a blockchain intelligent contract and a method thereof.

In recent years, with the promotion and vigorous development of financial technology, various applications based on financial technology have sprung up. However, in order to provide suitable financial products to customers and even avoid money laundering, financial institutions will require customers to fill out one. Information on "Know Your Customer (KYC)".

In general, financial institutions can understand the customer's ability to withstand investment risks based on KYC data, and then provide appropriate financial products, as well as customer identity certification, background and credit record checks. However, since every financial institution will require KYC information to be filled in. When there are a large number of financial institutions, repeated filling of KYC data of the same content will cause confusion and inconvenience to customers, because it is impossible to fill out only one KYC information for all financial institutions. Used, it has the problem of poor usability of KYC data. In addition, the content of KYC materials filled in at different time points may not be the same, resulting in poor uniformity of content.

In view of this, there are manufacturers who propose to store KYC data on the client's technical means to provide customers with access to financial institutions. However, this approach requires financial institutions to cooperate, and it is also unable to solve KYC data at different points in time, and its content may not be the same.

In summary, it can be seen that there has been a problem in the prior art that the availability and content uniformity of KYC data has been poor for a long time, so it is necessary to propose an improved technical means to solve this problem.

The invention discloses a KYC data sharing system based on blockchain intelligent contract and a method thereof.

Firstly, the present invention discloses a KYC data sharing system based on a blockchain smart contract, which is applied to a blockchain network that executes a smart contract. The system includes: a client, an authority and a finance terminal. Each client is configured to transmit corresponding KYC data, the KYC data includes a plurality of data items, and after detecting the data request notification, setting an authorization right of each data item to trigger an authorization response event to generate an authorization response. Notice.

Then, the authority includes: an initial module, a receiving module, a registration module, and an update module. The initial module is used to initially issue a KYC data registration contract through a blockchain transaction to provide registration and update of a KYC data contract, and to issue a KYC data through a blockchain transaction to request a registration contract to provide registration and record KYC. The data request contract, wherein the KYC data registration contract includes a data registration event and a data update event, the KYC data request registration contract includes a request registration event and an authorization response event; and the receiving module is configured to receive KYC data from the client. And verifying, encrypting and signing each item in the KYC data and storing it in the storage system; the registration module is used to generate the corresponding KYC data contract according to the KYC data in the storage system, and obtain the corresponding KYC data contract. The address, and the KYC data contract address is registered in the KYC data registration contract to trigger the registration of the data registration event to generate a registration completion notification; the update module is used to obtain the KYC data registration certificate in the storage system and obtain the KYC data registration contract. The KYC data contract corresponding to the KYC data, and the trigger data update event is generated and updated. Know.

As for the financial terminal, it comprises: a request module and a review module. The requesting module is configured to, when requesting the KYC data of the client, issue a KYC data request contract of the corresponding client through the blockchain transaction, and register the KYC data request contract in the KYC data request registration contract, The triggering request registration event generates a data request notification; the review module is configured to continuously detect the KYC data requesting the registration response event of the registration contract, and when the authorization response event is triggered to generate the authorization response notification, according to the authorization authority set by the client, The corresponding KYC data is received from the storage system for review.

In addition, the present invention discloses a KYC data sharing method based on a blockchain smart contract, which is applied to a blockchain network that executes a smart contract, and the steps include: the rights and responsibilities end to release the KYC data registration through the blockchain transaction at the initial stage. The contract provides registration and registration of KYC data request contracts by providing KYC data contracts and KYC data through blockchain transactions. The KYC data registration contract includes data registration events and data update events, KYC data requests. The registration contract includes a request registration event and an authorization response event; the client transmits the corresponding KYC data to the rights side, the KYC data includes a plurality of data items; the rights and responsibilities end receive KYC data from the client, and are in the KYC data. Each data item is verified, encrypted and signed and stored in the storage system; the authority side generates the corresponding KYC data contract according to the KYC data in the storage system, and obtains the corresponding KYC data contract address, and the KYC data contract. The address is registered in the KYC data registration contract to trigger the registration of the data registration event. After the KYC data in the storage system is updated, the KYC data contract corresponding to the KYC data is obtained according to the KYC data registration contract, and the data update event is triggered to generate an update completion notification; when the financial terminal requests the KYC data of the client, the financial block transmits the block. The chain transaction issues a KYC data request contract corresponding to the client, and registers the KYC data request contract in the KYC data request registration contract to trigger the request registration event to generate a data request notification; after detecting the data request notification, the client Setting an authorization right of each data item to trigger an authorization response event to generate an authorization response notification; the financial end continuously detects an authorization response event of the KYC data request registration contract, and when the authorization response event is triggered to generate an authorization response notification, according to the client The authorized authority is set, and the corresponding KYC data is received from the storage system for review.

The system and method disclosed by the present invention are as above, and the difference from the prior art is that the present invention provides KYC data to the right side through the client, and executes the smart contract on the blockchain network, so that the client, the rights and the terminal, and the financial The terminal can execute the function of the smart contract and detect the event of the smart contract, so that when the financial side requests to query the KYC data, the client can set the authorization authority for different data items, and then the financial terminal receives the authorization of the KYC data from the authority. The data item is reviewed.

Through the above technical means, the present invention can achieve the technical effect of improving the usability and content uniformity of KYC data.

The embodiments of the present invention will be described in detail below with reference to the drawings and embodiments, so that the application of the technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.

Before describing the KYC data sharing system based on the blockchain smart contract and the method thereof disclosed in the present invention, the environment to which the present invention is applied is explained. The present invention is applied to a blockchain network that executes smart contracts. The computer devices in the blockchain network can be regarded as blockchain nodes, which are connected by peer-to-peer (Peer to Peer) and used to process blockchain transactions. In practical implementation, the computer device can be a server, a computer host, a notebook computer, a tablet computer, etc., for executing computer program instructions, such as the blockchain program "Ethereum". In addition, the smart contract refers to a computer program that drives an execution instruction according to a predetermined condition and transmitted information. In actual implementation, the smart contract is through a programming language such as Solidity, Serpent, LLL, EtherScript, Sidechain, etc. To write, it can contain a variety of different functions, events, parameter states, etc., using the blockchain program "Ethereum" as an example, its smart contract is compiled to obtain binary encoding and application binary interface (Application Binary Interface, ABI), in order to broadcast the smart contract to the blockchain network, waiting for the miner (Miner) to put the smart contract on the blockchain and get the corresponding address, thus completing the release of the smart contract. After that, the corresponding smart contract can be executed according to this address, and the state of the smart contract in the blockchain can be changed by different instructions. In particular, the "KYC Data Registration Contract", "KYC Data Contract", "KYC Data Request Registration Contract", "KYC Data Request Contract", "KYC Rating Contract", "KYC Rating", etc. Contracts such as "Contracts", "KYC Execution Registration Contracts", "KYC Data Execution Contracts" and "Account Linkage Contracts" are all smart contracts. As mentioned in the text, "registration" refers to the function in the execution of smart contracts. To establish an address correspondence between different smart contracts, the following will briefly explain the aforementioned smart contracts:

1. The KYC data contract is used to record the customer's KYC data. In actual implementation, each data item of the KYC data will be calculated by the hash algorithm first, and then stored with the private key signature, that is, the KYC data contract. It is not the plain code of the KYC data, but the value after the hash and the signature. In the context of a decentralized storage system, it also includes storing a Universally Unique Identifier (UUID). The KYC data contract contains functions such as "setHash()", the code of the data item used to bring in the KYC data, the signature used by the authority to perform the hash calculation, or even the UUID to calculate the The hash value of the signature.

2. The KYC data registration contract is used for the registration of KYC data contracts and provides related events (ie: data registration events, data update events). In actual implementation, the KYC rating contract can be generated through the function at the same time as the KYC data contract is registered, and registered in the KYC rating registration contract, so that the authorized financial terminal can evaluate and mark the corresponding customers. The KYC data registration contract contains functions such as "registerKYCData()" and "updateKYCData()", both of which are brought into the address and customer address of the KYC data contract, and execution of these two functions will trigger Corresponding events, such as "KYCDataDidRegister" and "KYCDataDidUpdate", are triggered when a KYC data contract is registered, and the latter is triggered when the KYC data contract is updated.

3. The KYC data request contract is used for the financial terminal to initiate a request to the client to obtain the authorization authority for reviewing the KYC data to the client, that is, the client also requests the contract to reply to the authorization authority through the KYC data. In actual implementation, the KYC data request contract includes functions such as: "addRequest()", "addSignature()", "isApproved()", "approveRequest()", "rejectRequest()", "revokeRequest( ), respectively, to increase the need to review the data items on the financial side, the financial side to set the signature for the customer to verify the financial source, to check whether the financial side has the authority to review the specified data items, the client authorized to review the specified data items The client refuses to review the request for the specified data item and the client cancels the authorized authority to review the specified data item.

4. The KYC data request registration contract is used to register and record the financial side's request for reviewing the customer's KYC data, and provide corresponding events to let the customer know that there is a review request, and also let the financial terminal know that there is an authorization status reply or update. In actual implementation, the KYC data request registration contract contains functions such as "requestKYCData()" and "responseKYCDataRequest()", which are used to provide the financial terminal to register the KYC data request contract, and the customer to reply or update the KYC data request contract authorization. After the status, the notification contract has been responded. In addition, the execution of these two functions will trigger the corresponding events, such as: "KYCDataDidRequest" and "KYCDataRequestDidResponse", the former will be triggered when there is a new KYC data request contract registration, notify the client that there is this request, the latter will be in KYC When the authorization status of the data request contract is changed, it is triggered to notify the financial end of the authorization status change.

5. The KYC data execution contract is used to record the KYC processing performed by the financial side. The inclusion function is “executeKyc()”, which is used to sign the designated data items of the KYC data after the financial side, and each data item must be signed. Independent signature.

6. KYC executes the registration contract to record the execution result of the KYC data execution contract, which includes the function "registerKYCExecution()".

7. KYC rating contract for the financial side to record customer ratings, risk markers, including functions such as "addNotes()", "addFlag()" and "addRating()" for adding financial End-to-customer notes, new financial-to-customer risk markers, and new financial-to-customer ratings.

8. The KYC rating registration contract is used to provide a registered KYC rating contract, which includes a function such as "register()", which completes the registration of the KYC rating contract by entering the address of the KYC rating contract.

Nine, account link, for customers to bind multiple account addresses in order to achieve privacy, and use the signature to encrypt the stored account address, which can contain functions such as: "addAssociation ()", "removeAssociation ()" And "getAssociation()", which is used to perform the binding of the newly added binding, remove the signed signature, and query the account address bound by a signature.

The following is a description of the KYC data sharing system and method for the blockchain smart contract according to the present invention. Please refer to "1", "1" is the KYC data based on the blockchain smart contract of the present invention. The system block diagram of the shared system is applied to the blockchain network 10 that executes the smart contract. The system includes: a client 100, a rights end 110, and a financial terminal 120. The client 100 is configured to transmit corresponding KYC data, and the KYC data includes multiple data items, such as a name, an identity card number, a gender, and the like. In actual implementation, each data item has a corresponding code, such as: the code of the identity card number is "ID", the property certificate code is "WEALTH_PROOF" and so on. In addition, after detecting the data request notification, the client 100 allows the client to set the authorization authority of each data item to trigger the authorization response event to generate an authorization response notification. In practical implementation, the client 100 itself may provide a blockchain node for a blockchain node or through a third party (eg, a rights holder, a financial terminal, or any service provider that has permission to connect to the blockchain node). Service, in other words, the client 100 can directly or indirectly connect to the blockchain network 10 using the blockchain node to detect smart contract events, wherein "direct" means that the client 100 itself is a blockchain. A blockchain node in the network 10 (such as the client 100 in the blockchain network 10 illustrated in "FIG. 1") uses a blockchain client program to connect to the blockchain network 10; "Indirect" refers to the use of third-party integration services, such as financial institutions providing wallet services based on blockchain nodes (such as client 100 outside of blockchain network 10 as illustrated in Figure 1). Assuming that the client 100 itself is a blockchain node, the "Request Registration Event" of the "KYC Data Request Registration Contract" will be directly monitored. When the request registration event is triggered, it is checked whether the KYC data request contract is initiated for the client 100. If yes, notify the client to handle; assuming that the client 100 is a blockchain node service provided by a third party, then a monitoring address is required to monitor the request registration event of the KYC data request registration contract, when the registered KYC data request contract is For the customer of the service, the customer is notified to process the KYC data request contract, and the notification method can be achieved through the mobile application, email, telephone, and the like.

In the part of the authority side 110, it may be a government authority or a legally authorized unit of the government, the purpose of which is to provide a KYC data service for verifying a natural person or organization, and the authority terminal 110 acts as a blockchain node and a blockchain network. 10 is connected. The rights end 110 includes: an initial module 111, a receiving module 112, a registration module 113, and an update module 114. The initial module 111 is used to initially issue a KYC data registration contract through a blockchain transaction to provide registration and update of a KYC data contract, and issue a KYC data through a blockchain transaction to request a registration contract to provide registration and record KYC data. The request contract, wherein the KYC data registration contract includes a data registration event and a data update event, and the KYC data request registration contract includes a request registration event and an authorization response event. In actual implementation, the information stored in the KYC data contract is processed by hashing and signing. When the KYC data contract for registration of the KYC data registration contract is executed, the registration function will trigger the data registration event, that is, when When a new KYC data contract is registered, the data registration event will be triggered; when the KYC data registration contract update function updates the KYC data contract, the update function will trigger the data update event, that is, when there is an existing When the KYC data contract is updated, the data update event will be triggered. In addition, in actual implementation, the initial module 111 can also register through the blockchain transaction release KYC rating registration contract to provide KYC rating contracts, and issue KYC execution registration contracts through blockchain transactions to record KYC data execution contracts. As a result of the execution, the KYC data execution contract will hash and sign each data item of all the reviewed KYC materials after the financial terminal 120 receives the corresponding KYC data from the storage system for review.

The receiving module 112 is configured to receive KYC data from the client 100, and verify, encrypt, and sign each data item in the KYC data and store the data in the storage system. The storage system may be a database or a distributed storage system. As described above, when the storage system is a distributed storage system, the KYC data contract further includes storing a universal unique identifier. In actual implementation, the verification, encryption, and signature can be processed through credentials issued by a third-party public credit certificate unit (for example, a Taiwan Network Authentication Center).

The registration module 113 is configured to generate a corresponding KYC data contract according to the KYC data in the storage system, obtain a corresponding KYC data contract address, and register the KYC data contract address in the KYC data registration contract to trigger data registration. The event generates a registration completion notification. In actual implementation, while registering a new KYC data contract, a KYC rating contract corresponding to the client 100 may be generated, and the KYC rating contract address of the KYC rating contract is registered to the KYC pre-released by the initial module 111. The rating registration contract is used to allow the financial terminal 120 that obtains the authorization authority to rate and mark the KYC data of the corresponding client 100.

The update module 114 is configured to obtain a KYC data contract corresponding to the KYC data according to the KYC data registration contract after the KYC data in the storage system is updated, and trigger the data update event to generate an update completion notification. That is, when the existing KYC data in the storage system is updated, the data update event of the KYC data registration contract is triggered to notify the blockchain node in the blockchain network 10.

Then, in the part of the financial terminal 120, the financial terminal 120 must be connected to the rights terminal 110, and must also be connected to the blockchain network 10 as a blockchain node. Each financial terminal 120 includes: a request module 121. And review module 122. The request module 121 is configured to issue a KYC data request contract corresponding to the client 100 through the blockchain transaction when requesting the KYC data of the client 100, and register the KYC data request contract in the KYC data request registration. In the contract, the data request notification is triggered to trigger the request registration event.

The review module 122 is configured to continuously detect an authorization response event of the KYC data request registration contract. After the authorization response event is triggered to generate an authorization response notification, the corresponding KYC is received from the storage system according to the authorization authority set by the client 100. Information for review. In actual implementation, the setting authorization authority is to set a corresponding authorization authority for each data item, such as: permission, rejection, cancellation, and the like.

In addition, it is assumed that the authority 110 issues a KYC execution registration contract through the blockchain transaction to record the execution result of the KYC data execution contract, which is received from the storage system at the financial end. After reviewing the corresponding KYC data, each data item of all reviewed KYC materials is hashed and signed separately, so that by verifying the signature, it is possible to know which one has reviewed the KYC data. Financial side 120. In addition, it is assumed that the rights end 110 issues an account connection contract through the blockchain transaction to store all account addresses corresponding to each client 100, so that all account addresses correspond to the same KYC data, and allow new or The account address is deleted. Then, after the financial terminal 120 verifies the account address and confirms that it is generated by the client 100, the same KYC data can be allowed to be received with different account addresses. In other words, the client 100 can use the different account addresses to cause the financial terminal 120 to perform KYC processing, and even avoid the identity of the client 100 by the account address.

Next, please refer to "2A" and "2B", "2A" and "2B" are flowcharts of the method for KYC data sharing based on blockchain smart contract. The blockchain network 10 of the contract includes the following steps: the rights terminal 110 issues a KYC data registration contract through the blockchain transaction to provide registration and update of the KYC data contract, and issues a KYC data request through the blockchain transaction. The registration contract provides a registration and record KYC data request contract, wherein the KYC data registration contract includes a data registration event and a data update event, and the KYC data request registration contract includes a request registration event and an authorization response event (step 210); the client 100 transmits the corresponding The KYC data is sent to the authority 110, the KYC data includes a plurality of data items (step 220); the rights end 110 receives the KYC data from the client 100, and verifies each data item in the KYC data, The encryption and signature are stored in the storage system (step 230); the rights end 110 generates a corresponding KYC data contract according to the KYC data in the storage system, and obtains a corresponding correspondence. The KYC data contract address and the KYC data contract address are registered in the KYC data registration contract to trigger the registration of the data registration event. When the KYC data in the storage system is updated, the corresponding KYC is obtained according to the KYC data registration contract. The KYC data contract of the data, and triggering the data update event to generate an update completion notification (step 240); when requesting the KYC data of the client 100, the financial terminal 120 issues the KYC data corresponding to the client 100 through the blockchain transaction. Requesting a contract, and registering the KYC data request contract in the KYC data request registration contract for triggering the request registration event to generate a data request notification (step 250); the client 100 sets each data item after detecting the data request notification The authorization authority generates an authorization response notification by triggering the authorization response event (step 260); the financial terminal 120 continuously detects the authorization response event of the KYC data request registration contract, and when the authorization response event is triggered to generate the authorization response notification, according to the client 100 set authorization authority, receive the corresponding KYC data from the storage system to enter Review (step 270). Through the above steps, the KYC data can be provided to the accountant 110 through the client 100, and the smart contract is executed on the blockchain network 10, so that the client 100, the accountant 110 and the financial terminal 120 can execute the smart contract. The function and the event of detecting the smart contract, so that when the financial terminal 120 requests to query the KYC data, the client 100 can set the authorization authority for different data items, and then the financial terminal 120 receives the authorization data item of the KYC data from the authority 110. Review it.

In particular, after step 240, the rights terminal 110 may also issue a KYC rating contract when registering, and register the KYC rating contract address of the KYC rating contract to a pre-release KYC rating registration contract. The financial terminal 120 for allowing the authorized authority to evaluate the KYC data of the client 100 and the risk mark, for example, the rating may be a credit score; and the risk flag may be noted whether it is a warning account. Then, after the step 270, if the rights end 110 issues a KYC execution registration contract through the blockchain transaction to record the execution result of the KYC data execution contract, the KYC data execution contract is on the financial terminal 120. After the storage system receives the corresponding KYC data for review, each data item of all the reviewed KYC data is separately hashed and signed (step 271); in addition, the authority terminal 110 can also pass through the area at the initial time. The blockchain transaction issues an account link contract for storing all account addresses corresponding to each client 100, so that all account addresses correspond to the same KYC data, and allowing the account address to be added or deleted, and verifying at the financial terminal 120. After the account address, the same KYC data is allowed to be received with different account addresses (step 272).

The following description will be made by way of example with reference to "3rd" to "5th". Please refer to "3rd" and "3rd" for a schematic diagram of uploading KYC data by applying the present invention. Assuming that the client 100 wants to upload KYC data, the client located at the client 100 can open the edit window 300, and type the customer's own KYC data in the data input block 310, for example: name, identity card number, etc., and click to save. The component 312 stores the KYC data. If the KYC data is to be modified, the editing component 311 can also be selected for editing. Next, in order to transfer the stored KYC data to the rights terminal 110, the customer can enter the rights of the blockchain network 10 by using the input block 320 as illustrated in "FIG. 3". Uniform Resource Identifier (URI), for example: "enode://82498ed4295f1ce8fd6273f18b201c68c7ae9a76b47d35a7d740d2264d78bd120052fda79ae03a35c17875a55c8e35395146c118fa90b5e25c7bf91d6a5980e4@192.168.1.1:30303", and the transport component 330 is clicked by cursor or touch to transmit. Among them, "82498ed4295f1ce8fd6273f18b201c68c7ae9a76b47d35a7d740d2264d78bd120052fda79ae03a35c17875a55c8e35395146c118fa90b5e25c7bf91d6a5980e4" is the public key of the authority terminal 110, "192.168.1.1" is the network address of the authority terminal 110, and "30303" is the communication number of the authority terminal 110. In particular, in actual implementation, in addition to the above manner of connecting to the rights terminal 110, the authority terminal 110 can also provide an application programming interface (API) integrated with the client 100 to enable the client. The 100 can be directly clicked through the webpage or the mobile application, and the KYC data can be directly transmitted to the right terminal 110 without inputting the URI, that is, the customer can completely ignore the existence of the blockchain.

As shown in "Fig. 4", "Fig. 4" is a schematic diagram of setting authorization authority by applying the present invention. As mentioned earlier, you can set the appropriate authorization rights for each data item, such as: allow, deny, cancel, and so on. In actual implementation, when the client 100 detects the data request notification, the authorization authority setting window 400 is generated to provide the authorization authority for each data item of the customer to set the KYC data. For example, if the client wants to authorize the financial terminal 120 to review the name in the KYC data, the client 100 can use the setting component 410 in the authorization authority setting window 400 to select "Allow" in the corresponding data item of the name. If the customer refuses to click the "Reject" or cancels the original authorization, the customer can click "Cancel". Finally, the customer clicks on the determination component 420 to trigger an authorization response event to generate an authorization response notification so that the financial terminal 120 receives the corresponding KYC data from the storage system for review based on the authorization authority.

As shown in the "figure 5", "figure 5" is a schematic diagram of the evaluation of the customer's rating and risk by the financial side using the present invention. In actual implementation, the information to be registered by the financial terminal 120 to the customer is registered through the KYC data. The process is when the KYC data registration contract function, such as: "registerKYCData()" is called, the corresponding information is generated. This customer's KYC rating contract, and this KYC rating contract is registered in the KYC rating registration contract pre-released by the authority. In this way, the financial terminal 120 can obtain the customer's KYC rating contract from the KYC rating registration contract, and call the KYC rating contract function, such as: "addNotes()", "addFlag()", etc., add KYC The content of the information. Taking the KYC data 500 shown in "Picture 5" as an example, the rating and risk flag 510 will be added to the end of the existing content. In actual implementation, these functions need to confirm whether the financial terminal 120 has the right to read the KYC data from the KYC data request contract, and have the authority to add the rating or risk mark to the KYC data. Next, assuming that the financial terminal 120 wants to read the customer's rating and risk mark, the financial terminal 120 will also obtain the customer's KYC rating contract from the KYC rating registration contract, and then use its function, such as: getRating()", "getNotes()", and "getFlag()" get the ratings and risk tags for this user.

In summary, it can be seen that the difference between the present invention and the prior art is that the KYC data is provided to the authority through the client, and the smart contract is executed on the blockchain network, so that the client, the authority and the financial terminal can execute. The function of the smart contract and the event of detecting the smart contract, so that when the financial side requests to query the KYC data, the client can set the authorization authority for different data items, and then the financial end authority receives the authorization data item of the KYC data. The review, by means of this technical means, can solve the problems existing in the prior art, thereby achieving the technical effect of improving the usability and content uniformity of the KYC data.

While the present invention has been described above in the foregoing embodiments, it is not intended to limit the invention, and the invention may be modified and modified without departing from the spirit and scope of the invention. The scope of patent protection shall be subject to the definition of the scope of the patent application attached to this specification.

10‧‧‧ Blockchain network

100‧‧‧Client

110‧‧‧rights

111‧‧‧ initial module

112‧‧‧ receiving module

113‧‧‧ Registration Module

114‧‧‧Update Module

120‧‧‧Financial side

121‧‧‧Request module

122‧‧‧Review module

300‧‧‧Edit window

310‧‧‧Data input block

311‧‧‧editing components

312‧‧‧Storage components

320‧‧‧Input block

330‧‧‧Transmission components

400‧‧‧Authorization permission setting window

410‧‧‧Set components

420‧‧‧Determining components

500‧‧‧KYC information

510‧‧‧ Rating and risk marking

Step 210‧‧ ‧ At the initial stage, the powers issue a KYC data registration contract through blockchain transactions to provide registration and update of at least one KYC data contract, and issue a KYC data through the blockchain transaction to request a registration contract to provide registration And recording at least one KYC data request contract, wherein the KYC data registration contract includes a data registration event and a data update event, the KYC data request registration contract includes a request registration event and an authorization response event

Step 220‧‧‧ The client transmits a corresponding KYC data to the rights terminal, and the KYC data includes multiple data items

Step 230‧‧ The right end receives the KYC data from the client, and validates, encrypts and signs the data item in the KYC data and stores it in a storage system

Step 240 ‧ ‧ The blame end generates the corresponding KYC data contract according to the KYC data in the storage system, and obtains a corresponding KYC data contract address, and registers the KYC data contract address in the KYC data registration contract And generating a registration completion notification for triggering the data registration event, and when the KYC data in the storage system is updated, obtaining the KYC data contract corresponding to the KYC data according to the KYC data registration contract, and triggering the data update event Generate an update completion notification

Step 241‧‧‧ When the accountant registers, a KYC rating contract is issued, and a KYC rating contract address of the KYC rating contract is registered to a pre-released KYC rating registration contract to allow access The financial terminal of the authorization authority evaluates the risk and marks the KYC data of the client

Step 250‧ ‧ The financial terminal issues the KYC data request contract corresponding to the client through the blockchain transaction when requesting the KYC data of the client, and registers the KYC data request contract in the KYC data request In the registration contract, a data request notification is generated to trigger the request registration event

Step 260‧‧‧ said client, after detecting the data request notification, setting an authorization authority of each data item to trigger the authorization response event to generate an authorization response notification

Step 270‧‧ The financial terminal continuously detects the authorization response event of the KYC data request registration contract, and when the authorization response event is triggered to generate the authorization response notification, according to the authorization authority set by the client, The storage system receives the corresponding KYC data for review

Step 271‧‧ ‧ The authority terminates a KYC execution registration contract through the blockchain transaction to record the execution result of at least one KYC data execution contract at the financial end After the storage system receives the corresponding KYC data for review, each data item of the reviewed KYC data is separately hashed and signed.

Step 272 ‧ ‧ </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> </ RTI> Allowing to add or delete the account address, and after verifying the account address by the financial terminal, allowing the same KYC data to be received with different account addresses

FIG. 1 is a system block diagram of a KYC data sharing system based on blockchain smart contract of the present invention. ‧‧‧2A and 2B are flowcharts of a method for KYC data sharing based on blockchain smart contract in the present invention. Figure 3 is a schematic diagram of uploading KYC data by applying the present invention. Figure 4 is a schematic diagram of the application of the present invention to set authorization rights. Figure 5 is a schematic diagram of the evaluation of the customer's rating and risk by the financial side using the present invention.

Claims (10)

A KYC data sharing system based on blockchain intelligent contract is applied to a blockchain network for executing a smart contract. The system comprises: at least one client, each client transmitting a corresponding KYC (Know Your Customer) Data, the KYC data includes a plurality of data items, and after detecting a data request notification, setting an authorization authority of each data item to trigger an authorization response event to generate an authorization response notification; The responsibilities include: an initial module for initializing a KYC data registration contract through blockchain transactions to provide registration and renewal of at least one KYC data contract, and issuing a KYC material through a blockchain transaction to request a registration contract Providing a registration and recording of at least one KYC data request contract, wherein the KYC data registration contract includes a data registration event and a data update event, the KYC data request registration contract includes a request registration event and the authorization response event; a group for receiving the KYC data from the client and verifying each data item in the KYC data And storing the encryption and signature in a storage system; a registration module for generating the corresponding KYC data contract according to the KYC data in the storage system, and obtaining a corresponding KYC data contract address, and the KYC The data contract address is registered in the KYC data registration contract for triggering the data registration event to generate a registration completion notification; and an update module for registering the KYC data according to the KYC data after the update of the KYC data in the storage system The contract obtains the KYC data contract corresponding to the KYC data, and triggers the data update event to generate an update completion notification; and at least one financial terminal, each financial terminal includes: a request module for requesting the client In the KYC data, the KYC data request contract corresponding to the client is issued through a blockchain transaction, and the KYC data request contract is registered in the KYC data request registration contract to trigger the request registration event to generate the data. Requesting a notification; and a review module for continuously detecting the authorized response event of the KYC data request registration contract, After the authorization response event is triggered to produce the authorization response notification, in accordance with the authorization set by the client's permission, from the storage system receives the appropriate KYC information for review. According to the KYC data sharing system based on the blockchain smart contract of claim 1, wherein the storage system is a database or a distributed storage system, and when the storage system is the distributed storage system, the KYC data The contract also includes the storage of the Universally Unique Identifier (UUID). According to the KYC data sharing system based on the blockchain smart contract in the first application of the patent scope, the registration module issues a KYC rating contract at the time of registration, and a KYC rating contract address of the KYC rating contract. Registering to a pre-released KYC rating registration contract to allow the financial terminal that obtains the authorization authority to rate and risk the KYC data of the client. According to the KYC data sharing system based on the blockchain smart contract in the first application of the patent scope, the initial module of the authority side issues a KYC execution registration contract through the blockchain transaction for recording at least one KYC data execution. The execution result of the contract, the KYC data execution contract, after the financial terminal receives the corresponding KYC data from the storage system for review, each data item of the reviewed KYC data is hashed and signed separately. . According to the KYC data sharing system based on the blockchain smart contract in the first application of the patent scope, the initial module of the authority further issues an account link contract through the blockchain transaction for storing each client corresponding At least one account address, such that the account address corresponds to the same KYC data, and the account address is allowed to be added or deleted, and after the financial terminal verifies the account address, the same account address is allowed to receive the same The KYC information. A KYC data sharing method based on blockchain smart contract, which is applied to a blockchain network for executing a smart contract, and the steps include: 1. At the initial stage, an authority terminates a KYC (Know Your Customer) through a blockchain transaction. The registration of the data is to provide registration and renewal of at least one KYC data contract, and to issue a KYC data request for registration through a blockchain transaction to provide registration and record at least one KYC data request contract, wherein the KYC data registration contract includes a data registration The event and a data update event, the KYC data request registration contract includes a request registration event and an authorization response event; at least one client transmits a corresponding KYC data to the rights terminal, and the KYC data includes a plurality of data items; The authority receives the KYC data from the client, and validates, encrypts and signs the data item in the KYC data and stores it in a storage system; the rights end is based on the KYC in the storage system. The data generates the corresponding KYC data contract, and obtains a corresponding KYC data contract address, and the KYC data contract address Registered in the KYC data registration contract to trigger the registration of the data to generate a registration completion notice. When the KYC data in the storage system is updated, the KYC data contract corresponding to the KYC data is obtained according to the KYC data registration contract. And triggering the data update event to generate an update completion notification; at least one financial terminal, when requesting the KYC data of the client, publishing the KYC data request contract corresponding to the client through a blockchain transaction, and the The KYC data request contract is registered in the KYC data request registration contract, and is used to trigger the request registration event to generate a data request notification; after detecting the data request notification, the client sets an authorization authority for each data item. Generating an authorization response notification by triggering the authorization response event; and the financial terminal continuously detecting the authorization response event of the KYC data request registration contract, and when the authorization response event is triggered to generate the authorization response notification, according to the client The authorized authority set by the terminal receives the corresponding KYC data from the storage system for review. . The KYC data sharing method based on the blockchain smart contract according to claim 6 of the patent application scope, wherein the storage system is a database or a distributed storage system, and when the storage system is the distributed storage system, the KYC data The contract also includes the storage of the Universally Unique Identifier (UUID). According to the KYC data sharing method based on the blockchain smart contract of claim 6 of the patent application scope, the method further includes that the rights terminal releases a KYC rating contract at the time of registration, and a KYC of the KYC rating contract The rating contract address is registered to a pre-released KYC rating registration contract for allowing the financial terminal that obtains the authorization authority to perform the rating and risk marking step on the KYC data of the client. According to the KYC data sharing method based on the blockchain smart contract in the sixth application of the patent scope, the method further includes that the authority first issues a KYC execution registration contract through the blockchain transaction to record at least one The execution result of the KYC data execution contract, the KYC data execution contract, after the financial terminal receives the corresponding KYC data from the storage system for review, and separately hashes each data item of the KYC data that has been reviewed separately. And the steps of the signature. According to the method of claim 6, the KYC data sharing method based on the blockchain smart contract, wherein the method further includes that the rights terminal initially issues an account link contract through the blockchain transaction for storing each customer. At least one account address corresponding to the end, the account address corresponds to the same KYC data, and the account address is allowed to be added or deleted, and after the financial terminal verifies the account address, the account is allowed to be different. The address receives the same KYC data step.