CN106230808A - A kind of personal credit information system method based on block chain technology - Google Patents

A kind of personal credit information system method based on block chain technology Download PDF

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Publication number
CN106230808A
CN106230808A CN201610606666.0A CN201610606666A CN106230808A CN 106230808 A CN106230808 A CN 106230808A CN 201610606666 A CN201610606666 A CN 201610606666A CN 106230808 A CN106230808 A CN 106230808A
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credit
data
block
personal credit
record
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黄步添
张维赛
毛道明
刘振广
王云霄
王从礼
石太彬
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Hangzhou Yunxiang Network Technology Co Ltd
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Hangzhou Yunxiang Network Technology Co Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
    • H04L63/0442—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload wherein the sending and receiving network entities apply asymmetric encryption, i.e. different keys for encryption and decryption
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/22—Indexing; Data structures therefor; Storage structures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

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  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
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  • Economics (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • Technology Law (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Software Systems (AREA)
  • Data Mining & Analysis (AREA)
  • Databases & Information Systems (AREA)
  • Storage Device Security (AREA)

Abstract

The invention discloses a kind of personal credit information system method based on block chain technology, utilize this technical characterstic of block chain that personal credit data message is carried out blocking encapsulation and distributed management, it is possible to effectively to break away from and under personal credit system Intensive operation, manage central negative load weight, inefficient drawback.Meanwhile, the present invention applies this rivest, shamir, adelman of RSA in block chain, it is extremely difficult to cracks by traveling through all possible key, greatly ensure that the safety of personal credit system, it is possible to effectively stop illegally distorting of credit data.The present invention is capable of the Distributed data share of the high safety between multiple credit database, can avoid setting up intensive personal credit administrative center, reduces reference cost；The model architecture that block chain is complete makes it have boundless application prospect in individual reference field.

Description

A kind of personal credit information system method based on block chain technology
Technical field
The invention belongs to personal credit information system technical field, be specifically related to a kind of individual based on block chain technology and levy Communication system building method.
Background technology
Credit economy is a main trend of Modern Market Economy, the weight of perfect credit system necessarily country's financial sector Want ingredient.Along with developing rapidly of market economy, the negative effect of economic development is difficult to estimate by Credit Deficiency.
The credit system development of the U.S. is the most complete in the world.For our country, credit economy is the most gradually risen.Mesh Before, domestic each financial institution all establishes the personal credit information data base of oneself, but these database size are the least and Present distributing distribution, credit information transparency is low and not yet accomplishes information sharing.The credit system that one information cannot be shared Being incomplete, because if information can not be shared, a certain independent mechanism is difficult to grasp comprehensive believable credit data, credit Objectivity and the verity of assessment will be had a greatly reduced quality, and credit fraud even occur and then cause financial risks.Realize credit information The effective way shared is that government provides funds to set up intensive private trust institution, collects the information data of each financial institution Storehouse thus realize credit data share.But, in the face of becoming the personal credit data of explosive increase, this intensive individual levies Letter mechanism certainty body constitution is huge, invests high.
Along with the invention of digital encryption currency, block chain technology is as the distributed basis framework of a kind of decentration and number Progressively rise according to computing mode.Block chain technology is capable of decentration, distributed data collective safeguards, timing write number According to and possess the feature of high security, this make its be particularly suitable for data storage discern, financial transaction, asset management etc. System regions.At present, there is associated mechanisms that block chain technology is incorporated into the field such as electronic copyright protection, government affairs process, but It is the most fully excavated in the potentiality of individual's reference and Credit System Construction field, how to utilize block chain technology to solve mesh Front individual's reference and Credit System Construction field high dispersive, defective value opaque, that fight separately obtain and fully study.
Summary of the invention
Based on above-mentioned, the invention provides a kind of personal credit information system method based on block chain technology, fully examine Consider the feature of current credit system high degree of dispersion, utilize block chain technology to realize the distributed management of credit data with shared.
A kind of personal credit information system method based on block chain technology, comprises the steps:
(1) by financial institution based on block chain technique construction distributed credit data management Data sharing framework；
(2) build personal credit data base, and then the personal credit record in personal credit data base is carried out blocking Encapsulate and link formation block chain；
(3) use rivest, shamir, adelman that personal credit record is encrypted protection.
Described step (1) to implement process as follows:
First, respective credit evaluation system is unified in the way of formulating industry standard by financial institution；
Then, the credit data in respective collage-credit data storehouse is carried out blocking encapsulation, and unified block knot by financial institution Structure；
And then, each block corresponding with credit data is linked formation block chain；If certain user is in multiple financial institutions In there is credit data, then use the block that credit data that wherein credit level is minimum is corresponding to access block chain main chain, other The block that credit data is corresponding correspondingly accesses side chain as supplementing；
Finally, take rivest, shamir, adelman that the credit data in block chain is encrypted；Financial institution uses PKI The credit data grasping oneself is encrypted and issues, and obtains other financial institutions grasp and the credit of oneself disappearance simultaneously Data ciphertext is also decrypted with private key, finally realizes sharing of whole industry credit data.
Personal credit data base in described step (2) includes numerous personal credit record, described personal credit note Record includes heading and essential information tables of data associated with it, inhabitation address tables of data, guarantee information data table, occupation letter Breath tables of data and message data table；Wherein, described heading is made up of account and identification card number, and essential information tables of data is by surname Name, sex, age, date of birth, marital status, the accrediting amount, class of business totally 7 field compositions, inhabitation address tables of data Be made up of name, unit address, home address, occupancy, postcode, telephone number totally 6 fields, guarantee information data table by Name, type of credential, Guarantee Status, amount of guarantee, guarantor totally 5 fields composition, occupational information tables of data by wage account, Annual income, post, unit property, organization totally 5 field compositions, message data table is by title and numerical value totally 2 field groups Become；In above-mentioned five parts of tables of data each field all to should have field number, data type, length, can be for empty and explain Bright.
The precedence generated according to personal credit record by financial structure in described step (2) determines each block The link of all blocks is also formed block chain by address；If certain user exists credit record in multiple financial institutions, then use it In block corresponding to up-to-date credit record access block chain main chain, the block that other credit records are corresponding correspondingly accesses side chain As supplementing；If having two to generate time identical credit record, the most preferentially use the credit record that credit level is relatively low.
Further, each block in described block chain is made up of block head and block body, is packaged with district in block head Version number, the address of a upper block, timestamp, the cryptographic Hash of current block and the random number that block is current, in block body then Include the personal credit change record of corresponding current block；All personal credit change records are found by Hash process Root and the described root of Merkle tree are credited in block head.
Described step (3) use RSA public key encryption algorithm personal credit record is encrypted protection, detailed process For: after personal credit record generation side completes blocking encapsulation, personal credit record is encrypted by employing PKI, issues afterwards Sharing of personal credit record is realized between ciphertext Shi Ge financial institution；Other financial institutions use corresponding private key to carry out ciphertext Personal credit record needed for deciphering thus obtaining.
The present invention utilizes this technical characterstic of block chain that personal credit data message carries out blocking encapsulation and distributed Management, it is possible to effectively break away from and manage central negative load weight, inefficient drawback under personal credit system Intensive operation.Meanwhile, originally This rivest, shamir, adelman of RSA is applied in invention in block chain, it is extremely difficult to crack, significantly by traveling through all possible key Ensure that the safety of personal credit system, it is possible to effectively stop illegally distorting of credit data.The present invention is capable of many The Distributed data share of the high safety between individual credit database, can avoid setting up in intensive personal credit management The heart, reduces reference cost；The model architecture that block chain is complete makes it have boundless answering in individual reference field Use prospect.
Accompanying drawing explanation
Fig. 1 is the E-R figure of personal information record.
Fig. 2 is the structural representation of personal credit system block chain.
Fig. 3 is the block schematic illustration of rivest, shamir, adelman.
Fig. 4 is encryption and the deciphering schematic flow sheet of personal information record.
Detailed description of the invention
In order to more specifically describe the present invention, below in conjunction with the accompanying drawings and detailed description of the invention is to technical scheme It is described in detail.
Present invention personal credit information system method based on block chain technology, specifically includes following steps:
(1) based on the block distributed credit data management of chain technique construction and Data sharing framework.
First, set up based on the block distributed credit data management of chain technique construction and Data sharing framework.Each finance in society Respective credit estimation method or system can be unified in the way of formulating industry standard by mechanism.
Then, the credit data in respective collage-credit data storehouse is carried out blocking encapsulation, for ease of application block chain technology, The block structure of encapsulation credit data should be unified, and this point again may be by industry standard and determined.
And then, by by the packaged numerous personal credit data link chainings of block；When certain user is at multiple finance machines Having credit data in structure, for maximized reduction financial risks, the block link preferentially accepting and believing credit data relatively low is formed Block chain main chain, the credit record of other financial institutions can correspondingly be linked as side chain as supplementing.
Finally, take rivest, shamir, adelman that the credit data being linked into block chain is encrypted.Each mechanism uses public affairs The key personal credit data encryption to oneself grasping also is issued, can obtain simultaneously other mechanisms grasp, the credit of oneself disappearance Data ciphertext is also deciphered with private key, finally realizes sharing of whole industry credit data.
(2) design personal credit data base.Fig. 1 is the personal credit data base E-R figure employed in the present invention.Wherein account Number and identification card number constitute as heading tables of data, include essential information tables of data, inhabitation address tables of data, guarantee the most successively Information data table, occupational information tables of data and message data table.Wherein, each tables of data comprises again corresponding data word Section, as a example by essential information tables of data, including name, sex, age, date of birth, marital status, the accrediting amount, industry The business several field of kind, corresponding essential information tables of data is as shown in table 1.As it can be seen from table 1 it is right in essential information tables of data The data type of each field, length, regulation can be made that for sky, give corresponding explanation simultaneously.In like manner, can phase Other several tables of data of the formulation answered.
Table 1
(3) personal credit data base is carried out blocking encapsulation and is linked into block chain.One independent block includes district Build and block body two parts, as shown in Figure 2.Wherein, block head is equivalent to the essential information hurdle of block, and inside comprises version Number, the address of a upper block, timestamp, current block cryptographic Hash and random number；Block body is then corresponding data storage skies Between, including the personal credit change record of current block.These personal credit change records generate corresponding by Hash process Merkle tree also finally searches out Merkle tree root and charges to block head.
Each financial structure determines a block address and by final for numerous blocks according to the morning and evening that personal credit record generates Link chaining.If someone exists credit record in multiple mechanisms, preferentially accept and believe up-to-date credit record and will have up-to-date credit The block of record is linked as main chain, and other credit records can be linked into side chain as supplementing.Owing to block includes timestamp, sentence The precedence determining credit record is easy to accomplish.If having two to generate time identical credit record, then in order to reduce gold Melt risk priority and accept and believe the credit record that credit level is low.
(4) use rivest, shamir, adelman that personal credit record is encrypted, it is ensured that credit system safety.The present invention Using this asymmetric arithmetic of RSA to be encrypted block chain, its framework is as shown in Figure 3.
Use PKI that personal credit data are encrypted after personal credit generation side blocking packaged personal credit data, Afterwards issue ciphertext carry out the credit record between each financial institution share；Other financial institutions can use the private key number of correspondence According to the credit record needed for deciphering thus obtaining.As shown in Figure 4, ciphering process is unsuccessful for the idiographic flow of encryption and decrypting process Time can re-download PKI be encrypted limiting in number of times；Conscientious comparison private key and ciphertext is needed during decrypting process failure Correct corresponding relation, attempts again deciphering.
Use said method carry out system call modeling be capable of between multiple credit database high safety point Cloth data sharing, can avoid setting up intensive personal credit administrative center, reduces reference cost.
The above-mentioned description to embodiment is to be understood that for ease of those skilled in the art and apply the present invention. Above-described embodiment obviously easily can be made various amendment by person skilled in the art, and described herein typically Principle is applied in other embodiments without through performing creative labour.Therefore, the invention is not restricted to above-described embodiment, ability Field technique personnel should be in protection scope of the present invention according to the announcement of the present invention, the improvement made for the present invention and amendment Within.

Claims (6)

1. a personal credit information system method based on block chain technology, comprises the steps:
(1) by financial institution based on block chain technique construction distributed credit data management Data sharing framework；
(2) build personal credit data base, and then the personal credit record in personal credit data base is carried out blocking encapsulation And link formation block chain；
(3) use rivest, shamir, adelman that personal credit record is encrypted protection.
Personal credit information system method the most according to claim 1, it is characterised in that: the concrete reality of described step (1) Existing process is as follows:
First, respective credit evaluation system is unified in the way of formulating industry standard by financial institution；
Then, the credit data in respective collage-credit data storehouse is carried out blocking encapsulation, and unified block structure by financial institution；
And then, each block corresponding with credit data is linked formation block chain；If certain user deposits in multiple financial institutions At credit data, then the block using credit data that wherein credit level is minimum corresponding accesses block chain main chain, other credits Block corresponding to data correspondingly accesses side chain as supplementing；
Finally, take rivest, shamir, adelman that the credit data in block chain is encrypted；Financial institution uses PKI to certainly The credit data that oneself grasps is encrypted and issues, and obtains other financial institutions grasp and the credit data of oneself disappearance simultaneously Ciphertext is also decrypted with private key, finally realizes sharing of whole industry credit data.
Personal credit information system method the most according to claim 1, it is characterised in that: the individual in described step (2) Credit database includes numerous personal credit record, and described personal credit record includes heading and base associated with it This information data table, inhabitation address tables of data, guarantee information data table, occupational information tables of data and message data table；Wherein, institute The heading stated is made up of account and identification card number, and essential information tables of data is by name, sex, age, date of birth, marriage shape Condition, the accrediting amount, class of business totally 7 field compositions, inhabitation address tables of data is by name, unit address, home address, inhabitation Situation, postcode, telephone number totally 6 field compositions, guarantee information data table is by name, type of credential, Guarantee Status, guaranty fund Volume, guarantor totally 5 field compositions, occupational information tables of data is by wage account, annual income, post, unit property, organization Totally 5 field compositions, message data table is made up of totally title and numerical value 2 fields；In above-mentioned five parts of tables of data, each field is equal To having field number, data type, length, can be empty and explanation.
Personal credit information system method the most according to claim 1, it is characterised in that: by gold in described step (2) Melt precedence that structure generates according to personal credit record to determine the address of each block and the link of all blocks is formed district Block chain；If certain user exists credit record in multiple financial institutions, then use the block that the most up-to-date credit record is corresponding Accessing block chain main chain, the block that other credit records are corresponding correspondingly accesses side chain as supplementing；If there is two generations Between identical credit record, the most preferentially use the credit record that credit level is relatively low.
Personal credit information system method the most according to claim 1, it is characterised in that: each district in described block chain Block is made up of block head and block body, is packaged with the current version number of block, the address of a upper block, time in block head Stamp, the cryptographic Hash of current block and random number, then include the personal credit change record of corresponding current block in block body； All personal credit change records are credited in block head by root and the described root of Hash process searching Merkle tree.
Personal credit information system method the most according to claim 1, it is characterised in that: described step (3) uses RSA public key encryption algorithm is encrypted protection to personal credit record, and detailed process is: personal credit record generation side completes district Use PKI that personal credit record is encrypted after massing encapsulation, issue afterwards and between ciphertext Shi Ge financial institution, realize individual's letter With sharing of record；Personal credit needed for other financial institutions use corresponding private key that ciphertext is decrypted thus is obtained is remembered Record.
CN201610606666.0A 2016-07-28 2016-07-28 A kind of personal credit information system method based on block chain technology Pending CN106230808A (en)

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