CN108364218A - A kind of sharing method and device of user's collage-credit data - Google Patents
A kind of sharing method and device of user's collage-credit data Download PDFInfo
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- CN108364218A CN108364218A CN201810140720.6A CN201810140720A CN108364218A CN 108364218 A CN108364218 A CN 108364218A CN 201810140720 A CN201810140720 A CN 201810140720A CN 108364218 A CN108364218 A CN 108364218A
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- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
The provided herein a kind of sharing method and device of user's collage-credit data, wherein method includes：User's collage-credit data of credit information service's acquisition is obtained, user's collage-credit data includes：For characterizing, there are the credit sign of credit information, user basic information, the credit informations for reflecting user credit in user's collage-credit data；User credit type is determined according to the credit information；According to the user basic information and the user credit type, the summary info for describing user credit behavior is generated；Summary info write-in block chain may be implemented by the embodiment of the present application under the premise of not revealing the business information of credit investigation system Zhong Ge credit information services, realize the shared of user's collage-credit data.
Description
Technical field
This application involves reference fields, more particularly to a kind of sharing method and device of user's collage-credit data.
Background technology
In credit checking industry, the commercial undertaking that can each obtain user credit information is likely to become credit information service,
For example, the commercial undertakings such as bank, market are all likely to become credit information service.
In order to realize the shared of user's collage-credit data between multiple credit information services, currently, the number according to multiple credit information services
According to establishing credit investigation system, wherein user's collage-credit data that each credit information service is obtained is stored in block chain, to reality
Each credit information service in existing credit investigation system realizes the shared of collage-credit data by block chain.
In credit investigation system, there may be business information in user's collage-credit data that credit information service is acquired, in order to avoid
The leakage of business information, more and more credit information services are reluctant that the user's collage-credit data obtained is shared, to reference occur
The fewer and fewer problem of the shared user's collage-credit data of mechanism.
Invention content
Based on this, present applicant proposes a kind of sharing methods of user's collage-credit data, in not revealing credit investigation system
Under the premise of the business information of each credit information service, the shared of user's collage-credit data is realized.
Present invention also provides a kind of sharing means of user's collage-credit data, to ensure the reality of the above method in practice
Existing and application.
Technical solution provided by the present application is：
This application discloses a kind of sharing method of user's collage-credit data, this method includes：
User's collage-credit data of credit information service's acquisition is obtained, user's collage-credit data includes：For characterizing the user
There are the credit sign of credit information, user basic information, the credit informations for reflecting user credit in collage-credit data；
User credit type is determined according to the credit information；
According to the user basic information and the user credit type, the abstract for describing user credit behavior is generated
Information；
Block chain is written into the summary info.
Wherein, the credit information includes：The deadline and user that preset user behavior occurs
The actual date that behavior occurs；
It is described to determine user credit type according to the credit information, including：
If the actual date that the user behavior occurs is later than the deadline that the user behavior occurs, it is determined that described
User credit type is bad credit；
If the actual date that the user behavior occurs is not later than the deadline that the user behavior occurs, it is determined that institute
It is good credit to state user credit type.
Wherein, after the summary info in the generation for describing user credit behavior, the method further includes：
The summary info is encrypted；
It is described to include by summary info write-in block chain：Block chain is written into the encrypted summary info.
Wherein, the method further includes：
By the correspondence between the encrypted summary info and the credit information service, block chain is written.
Wherein, after user's collage-credit data with credit sign of acquisition credit information service acquisition, the method
Further include：
User's collage-credit data is stored in the database of the credit information service.
Wherein, it credit information service corresponding with the encrypted summary info and described encrypted will be plucked described
The correspondence between information and the credit information service is wanted, is written after block chain, further includes：
When receiving the request for accessing user's collage-credit data in the block chain corresponding to encrypted summary info,
The database link of output credit information service corresponding with the encrypted summary info, will pass through described in way of paying access
User's collage-credit data in the database of credit information service.
Present invention also provides a kind of sharing means of user's collage-credit data, which includes：
Acquiring unit, user's collage-credit data for obtaining credit information service's acquisition, user's collage-credit data include：For
Characterize in user's collage-credit data there are the credit sign of credit information, user basic information, reflect user credit credit
Information；
Determination unit, for determining user credit type according to the credit information；
Generation unit, for according to the user basic information and the user credit type, generating for describing user
The summary info of behavior of credit；
First writing unit, for block chain to be written in the summary info.
Wherein, the credit information includes：What the deadline and user behavior that preset user behavior occurs occurred
Actual date；
The determination unit, including：
First determination subelement, if being later than what the user behavior occurred for the actual date that the user behavior occurs
Deadline, it is determined that the user credit type is bad credit；
Second determination subelement occurs if being not later than the user behavior for the actual date that the user behavior occurs
Deadline, it is determined that the user credit type be good credit.
Wherein, described device further includes：
Encryption unit, for after the summary info of the generation for describing user credit behavior, to the abstract
Information is encrypted；
First writing unit is specifically used for encrypted summary info block chain is written.
Wherein, described device further includes：
Second writing unit, for by the correspondence between the encrypted summary info and the credit information service, writing
Enter block chain.
Wherein, described device further includes：
Storage unit, for acquiring unit obtain credit information service acquisition user's collage-credit data with credit sign it
Afterwards, user's collage-credit data is stored in the database of the credit information service.
Wherein, described device further includes：
Output unit, for the second writing unit will credit information service corresponding with the encrypted summary info, with
And the correspondence between the encrypted summary info and the credit information service, it is written after block chain, is accessed when receiving
When the request of user's collage-credit data in the block chain corresponding to encrypted summary info, output encrypted is plucked with described
The database link for wanting the corresponding credit information service of information, will pass through in the database that way of paying access the credit information service
User's collage-credit data.
The application's has the beneficial effect that：
In the embodiment of the present application, user's collage-credit data with credit sign that credit information service is acquired, foundation are obtained
Credit information in user's collage-credit data determines user credit type, and is given birth to according to user basic information and user credit type
Block chain is written at summary info, and by the summary info；At this point, what is preserved in block chain is the use in user's collage-credit data
Family essential information and user credit type are not that whole user's collage-credit datas of user are avoided user's collage-credit data in turn
In business information be written block chain, it is thereby achieved that not revealing the business information of credit investigation system Zhong Ge credit information services
Under the premise of, realize the shared of user's collage-credit data.
Description of the drawings
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of application for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow chart of the sharing method embodiment of user's collage-credit data in the application；
Fig. 2 is a kind of structural schematic diagram of the sharing means embodiment of user's collage-credit data in the application.
Specific implementation mode
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of embodiments of the present application, instead of all the embodiments.It is based on
Embodiment in the application, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall in the protection scope of this application.
With reference to figure 1, a kind of flow chart of the sharing method embodiment of user's collage-credit data, this method in the application are shown
Embodiment may include：
Step 101：Obtain user's collage-credit data of credit information service's acquisition, wherein user's collage-credit data includes：Credit mark
Knowledge, user basic information, user behavior type, the deadline of preset user behavior and user behavior actual date.
In the present embodiment, by taking user's collage-credit data that credit information service is acquired as an example, to illustrate user's reference number
According to shared procedure, below in the place of not specified otherwise, all user's collage-credit datas are all user's collage-credit data.
User's collage-credit data is made of one or more in multiple types message, wherein the type of message may include：User's
Essential information, financial loan information, consumption information, and social public information etc..Wherein, essential information may include：Name,
The essential informations such as birthplace, occupation, income, educational background and address；Financial loan information may include：Loans for supporting students, vehicle loan, room
The information such as loan and credit card repayment record；Consumption information may include：The information such as store and consumption on network information；It is social public
Co-information may include：Steal a ride on public transport, subway, train record etc. information
For example, when credit information service is bank, user's collage-credit data which is acquired may include：User
Essential information and user financial loan information, at this time user's collage-credit data acquired in the credit information service may include：With
Family essential information, user behavior type (loan, refund etc.), the deadline of preset user behavior and user behavior
Actual date etc.；When credit information service is market, user's collage-credit data acquired in the credit information service may include：User believes substantially
Breath and consumption information, at this time user's collage-credit data acquired in the credit information service can specifically include：User basic information, user
Behavior type (buy, replace), purchase time and the amount of money, it is preset replace the deadline, the actual date that user replaces
Deng；When credit information service is social public sector, user's collage-credit data acquired in the credit information service may include：User's is basic
Information and social public information etc., user's collage-credit data acquired in the credit information service can specifically include at this time：User is basic
Deadline (the cut-off of preset user's booking of information, user behavior type (booking, returned ticket etc.), preset user behavior
Date etc.), the actual date of user behavior (it is sky that user, which does not have booking, actual date, can be defaulted as infinity).
In above-mentioned user's collage-credit data, user credit information involved in some user's collage-credit datas, some user's references
It is not related to user credit information in data.For example, when user's collage-credit data be party A-subscriber at what time, what place, purchase east
The amount of money in west and time buying etc., are not just related to the credit information of user at this time in user's collage-credit data；When user's reference number
According to for：Party A-subscriber replaces the commodity bought, and preset cut-off replaces the time as January 25, and the time of actually replacing of user is
User credit information was related in user's collage-credit data January 27.In the present embodiment, in order to distinguish user's collage-credit data
In whether be related to user credit information, user's collage-credit data include for characterize whether there is user credit information credit
Mark.
Step 102：If the credit sign in user's collage-credit data is default credit sign, according to user's collage-credit data
Middle credit information determines the credit type of the user.
In the present embodiment, when being identified as in acquired collage-credit data presets mark, then, in this step,
Credit information can be：The deadline of preset user behavior and the actual date of user behavior, by comparing user behavior
Actual date and preset user behavior deadline, to determine the credit type of user.Wherein, credit type can wrap
It includes：Bad credit and good credit, when the actual date of user behavior is later than the deadline of preset user behavior, this
When, the credit type of user is determined as bad credit；When the actual date of user behavior is not later than the deadline of user behavior
When, the credit type of user is determined as good credit.
Step 103：According to user basic information and user credit type in collage-credit data, generate for describing user credit
The summary info of behavior.
When determining user credit type, then, in this step, according to the user basic information and the user
Credit type determines the summary info for describing user credit behavior.For example, collage-credit data is：The title of party A-subscriber, birth
The essential informations such as ground, occupation, the deadline for going back housing loan, the actual date of practical also housing loan；The corresponding credit type of the user
For bad credit when, the corresponding summary info of this collage-credit data is：Bad behavior of credit occurs for party A-subscriber；When the user is corresponding
When credit type is good, the corresponding summary info of this collage-credit data can be：The behavior of credit of party A-subscriber is good.
Step 104：Summary info encryption to generation.
After generating summary info, then, in this step, which is encrypted, obtains encrypted pluck
Want information.Summary info is encrypted specifically, the SM2 algorithms in national secret algorithm may be used in the present embodiment.It is specific to add
Which is not described herein again for close process.
Step 105：Block chain is written into encrypted summary info.
After summary info is encrypted, then, in this step, block chain is written into encrypted summary info.
In practical application, the correspondence between user basic information, summary info, credit information service is also stored in block by the present embodiment
Chain.
Step 106：User's collage-credit data is stored in the database of credit information service.
In the present embodiment, 102~step 105 of above-mentioned steps is to generate summary info, carried out to the summary info of generation
It encrypts, and encrypted summary info is written to the process of block chain.In practical applications, each credit information service in credit investigation system
All there is database.In the present embodiment other than executing 102~step 105 of above-mentioned steps, after getting collage-credit data, will also
The collage-credit data of acquisition is stored in the database of corresponding credit information service.
The collage-credit data for the user that credit information service is acquired, is all stored in the database of the credit information service, at this point, preserving
Data in the database comprise more than the credit information of user.By taking the example in step 101 as an example, party A-subscriber is in what when
Between, any place buys the amount of money and time buying of thing etc., is not just related to the credit of user in user's collage-credit data at this time
Information.Although not being related to the credit information of user A in the collage-credit data of user A, however, it is possible to by the purchase amount of money of user A and
The collage-credit datas such as time buying are stored in the database of the credit information service.User A can subsequently be counted in a period of time
Total amount is bought, so as to according to the purchase total amount of user A, the purchasing power of assessment user A.So that the purchasing power can
Using the reference information as subsequent decision, for example, user A can refer to the purchase energy of the user A to when certain bank loan
Power, to be determined as the amount of the loan etc. that user A is provided.
It should be noted that in the present embodiment, step 106 need after step 101, and before step 107
, specific sequence the present embodiment is not limited specifically.
Step 107：When receiving the user's collage-credit data accessed in the block chain corresponding to encrypted summary info
Request when, the database link of credit information service corresponding with the encrypted summary info is exported, will pass through way of paying
Access user's collage-credit data in the database of the credit information service.
In the present embodiment, block chain can be alliance's chain, what mode specific block chain uses, need according to practical feelings
Condition is determined.After encrypted summary info in the customer access area block chain with access rights, due to being protected in block chain
There are the corresponding user basic information of summary info and credit information service, when the user is to corresponding to encrypted summary info
When user credit information service is interested, the request accessed with user's collage-credit data corresponding to encrypted summary info is sent.
When receiving the request for accessing user's collage-credit data corresponding to encrypted summary info, output and the encryption
The database link of the corresponding credit information service of summary info afterwards is accessed with will pass through way of paying in credit information service's database
User's collage-credit data.
In the embodiment of the present application, user's collage-credit data with credit sign that credit information service is acquired, foundation are obtained
Credit information in user's collage-credit data determines user credit type, and is given birth to according to user basic information and user credit type
Block chain is written at summary info, and by the summary info；At this point, what is preserved in block chain is the use in user's collage-credit data
Family essential information and user credit type are not whole collage-credit datas of user, in turn, are avoided the business in collage-credit data
Block chain is written in information, it is thereby achieved that under the premise of not revealing the business information of credit investigation system Zhong Ge credit information services, it is real
The shared of collage-credit data is showed, also, the summary info preserved in block chain can also be the credit for subsequently integrating certain user
Information provides foundation.
In addition, in the present embodiment, also the summary info being stored in block chain is encrypted, to improve summary info
Safety, also, the user's collage-credit data acquired for each credit information service is stored in the database of the credit information service,
When receiving the request for accessing user's collage-credit data in the block chain corresponding to encrypted summary info, exports and be somebody's turn to do
The database link of the corresponding credit information service of encrypted summary info, will pass through the number that way of paying access the credit information service
According to user's collage-credit data in library.
With reference to figure 2, a kind of structural schematic diagram of the sharing means embodiment of user's collage-credit data in the application is shown, it should
Device embodiment may include：
Acquiring unit 201, user's collage-credit data for obtaining credit information service's acquisition, user's collage-credit data include：
For characterizing, there are the credit sign of credit information, user basic information, reflection user credits in user's collage-credit data
Credit information；
Determination unit 202, for determining user credit type according to the credit information；
Generation unit 203, for according to the user basic information and the user credit type, generating for describing to use
The summary info of family behavior of credit；
First writing unit 204, for block chain to be written in the summary info.
Wherein, the credit information includes：What the deadline and user behavior that preset user behavior occurs occurred
Actual date；
The determination unit 202 may include：
First determination subelement, if being later than what the user behavior occurred for the actual date that the user behavior occurs
Deadline, it is determined that the user credit type is bad credit；
Second determination subelement occurs if being not later than the user behavior for the actual date that the user behavior occurs
Deadline, it is determined that the user credit type be good credit.
Wherein, described device further includes：
Encryption unit, for after the summary info of the generation for describing user credit behavior, to the abstract
Information is encrypted；
First writing unit is specifically used for encrypted summary info block chain is written.
Wherein, described device further includes：
Second writing unit, for by the correspondence between the encrypted summary info and the credit information service, writing
Enter block chain.
Wherein, described device further includes：
Storage unit, for acquiring unit obtain credit information service acquisition user's collage-credit data with credit sign it
Afterwards, user's collage-credit data is stored in the database of the credit information service.
Wherein, described device further includes：
Output unit, for the second writing unit will credit information service corresponding with the encrypted summary info, with
And the correspondence between the encrypted summary info and the credit information service, it is written after block chain, is accessed when receiving
When the request of user's collage-credit data in the block chain corresponding to encrypted summary info, output encrypted is plucked with described
The database link for wanting the corresponding credit information service of information, will pass through in the database that way of paying access the credit information service
User's collage-credit data.
Each embodiment is described by the way of progressive in this specification, the highlights of each of the examples are with it is other
The difference of embodiment, just to refer each other for identical similar portion between each embodiment.Herein, such as " first " and
The relational terms of " second " or the like are only used to distinguish one entity or operation from another entity or operation, and
Without necessarily requiring or implying that between these entities or operation, there are any actual relationship or orders.In the text
The word explanations such as "include", "comprise" be comprising meaning rather than exclusive or exhaustive meaning；That is, be " include but
Be not limited to " meaning.Deformation, same replacement without departing from the inventive concept of the premise, can also be made, improved etc., these
Belong to protection scope of the present invention.
The foregoing description of the disclosed embodiments enables professional and technical personnel in the field to realize or use the application.
Various modifications to these embodiments will be apparent to those skilled in the art, as defined herein
General Principle can in other embodiments be realized in the case where not departing from spirit herein or range.Therefore, the application
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest range caused.
Claims (12)
1. a kind of sharing method of user's collage-credit data, which is characterized in that the method includes：
User's collage-credit data of credit information service's acquisition is obtained, user's collage-credit data includes：For characterizing user's reference
There are the credit sign of credit information, user basic information, the credit informations for reflecting user credit in data；
User credit type is determined according to the credit information；
According to the user basic information and the user credit type, generates the abstract for describing user credit behavior and believe
Breath；
Block chain is written into the summary info.
2. according to the method described in claim 1, it is characterized in that, the credit information includes：Preset user behavior occurs
Deadline and user behavior occur actual date；
It is described to determine user credit type according to the credit information, including：
If the actual date that the user behavior occurs is later than the deadline that the user behavior occurs, it is determined that the user
Credit type is bad credit；
If the actual date that the user behavior occurs is not later than the deadline that the user behavior occurs, it is determined that the use
Family credit type is good credit.
3. according to the method described in claim 1, it is characterized in that, in the abstract generated for describing user credit behavior
After information, the method further includes：
The summary info is encrypted；
It is described to include by summary info write-in block chain：Block chain is written into the encrypted summary info.
4. according to the method described in claim 3, it is characterized in that, the method further includes：
By the correspondence between the encrypted summary info and the credit information service, block chain is written.
5. according to the method described in claim 4, it is characterized in that, there is credit sign in acquisition credit information service acquisition
User's collage-credit data after, the method further includes：
User's collage-credit data is stored in the database of the credit information service.
6. according to the method described in claim 5, it is characterized in that, it is described will be corresponding with the encrypted summary info
Correspondence between credit information service and the encrypted summary info and the credit information service is written after block chain, also
Including：
When receiving the request for accessing user's collage-credit data in the block chain corresponding to encrypted summary info, output
The database link of credit information service corresponding with the encrypted summary info accesses the reference will pass through way of paying
User's collage-credit data in the database of mechanism.
7. a kind of sharing means of user's collage-credit data, which is characterized in that described device includes：
Acquiring unit, user's collage-credit data for obtaining credit information service's acquisition, user's collage-credit data include：For characterizing
There are the credit sign of credit information, user basic information, the credit informations for reflecting user credit in user's collage-credit data；
Determination unit, for determining user credit type according to the credit information；
Generation unit, for according to the user basic information and the user credit type, generating for describing user credit
The summary info of behavior；
First writing unit, for block chain to be written in the summary info.
8. device according to claim 7, which is characterized in that the credit information includes：Preset user behavior occurs
Deadline and user behavior occur actual date；
The determination unit, including：
First determination subelement, if being later than the cut-off that the user behavior occurs for the actual date that the user behavior occurs
Date, it is determined that the user credit type is bad credit；
Second determination subelement, if being not later than section that the user behavior occurs for the actual date that the user behavior occurs
The only date, it is determined that the user credit type is good credit.
9. device according to claim 7, which is characterized in that described device further includes：
Encryption unit, for after the summary info of the generation for describing user credit behavior, to the summary info
It is encrypted；
First writing unit is specifically used for encrypted summary info block chain is written.
10. device according to claim 9, which is characterized in that described device further includes：
Second writing unit is used for the correspondence between the encrypted summary info and the credit information service, write area
Block chain.
11. device according to claim 10, which is characterized in that described device further includes：
Storage unit is used for after user's collage-credit data with credit sign that acquiring unit obtains credit information service's acquisition,
User's collage-credit data is stored in the database of the credit information service.
12. according to the devices described in claim 11, which is characterized in that described device further includes：
Output unit, for the second writing unit will credit information service corresponding with the encrypted summary info, Yi Jisuo
It states the correspondence between encrypted summary info and the credit information service, is written after block chain, when receiving described in access
When the request of user's collage-credit data in block chain corresponding to encrypted summary info, output is believed with the encrypted abstract
The database link for ceasing corresponding credit information service accesses user in the database of the credit information service will pass through way of paying
Collage-credit data.
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| CN201810140720.6A CN108364218A (en) | 2018-02-11 | 2018-02-11 | A kind of sharing method and device of user's collage-credit data |
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| CN201810140720.6A CN108364218A (en) | 2018-02-11 | 2018-02-11 | A kind of sharing method and device of user's collage-credit data |
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| CN110084625A (en) * | 2019-05-07 | 2019-08-02 | 国家电网有限公司 | A kind of intelligent reference method and device based on block chain technology |
| CN110135844A (en) * | 2019-04-28 | 2019-08-16 | 阿里巴巴集团控股有限公司 | Credit record, querying method and device and electronic equipment based on block chain |
| WO2020082889A1 (en) * | 2018-10-26 | 2020-04-30 | 阿里巴巴集团控股有限公司 | Credit reporting evaluation method and apparatus, and electronic device |
| WO2021120615A1 (en) * | 2019-12-19 | 2021-06-24 | 肖光昱 | Encryption apparatus, encryption system and data encryption method |
| US11100093B2 (en) | 2019-04-28 | 2021-08-24 | Advanced New Technologies Co., Ltd. | Blockchain-based recording and querying operations |
| CN115529170A (en) * | 2022-08-11 | 2022-12-27 | 杭州伯年文化创意有限公司 | Reputation management method and platform based on block chain and computer readable medium |
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