CN108965228B - Dispute relief system with KYC data mark of multiple keys and method thereof - Google Patents
Dispute relief system with KYC data mark of multiple keys and method thereof Download PDFInfo
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Abstract
The invention discloses a dispute relief system with a KYC data mark with multiple keys and a method thereof, which are characterized in that KYC data are provided to a competence end through a client to be verified and issued to a block chain network, and an intelligent contract is executed on the block chain network, so that the competence end, the client and a financial end can execute a function of the intelligent contract and detect an event of the intelligent contract, evaluation mark information and a key are generated at the financial end, then the evaluation mark information is encrypted by the key, and then the key is encrypted by a client public key and a financial end public key to generate two groups of encryption keys for limiting the evaluation mark information to be only decrypted and read by the corresponding client and the financial end, when the evaluation mark information disputes, the client is allowed to send a review request to enable the financial end to review again, and the technical effects of convenience and confidentiality of dispute relief are improved.
Description
Technical Field
The invention relates to a dispute relief system and a dispute relief method, in particular to a dispute relief system with a KYC data mark with multiple keys and a dispute relief method.
Background
In recent years, with the popularization and vigorous development of financial technologies, various applications based on financial technologies appear like bamboo shoots in spring after rain, however, in order to provide appropriate financial commodities to customers and even avoid money laundering, financial institutions require customers to fill in a piece of data for "Knowing Your Customer (KYC)".
Generally speaking, the financial institution can know the bearing capacity of the client to the investment risk according to the KYC data, so as to provide suitable financial commodities, and can also realize the client identity authentication, the check of the background and the credit record, so that corresponding evaluation marking information is generated to realize the evaluation and risk marking of the client. However, since the evaluation mark information generated by the financial institution is generally unable to make the content known to the customer in real time, the evaluation mark information is generated even without the customer's knowledge, which has a problem of information asymmetry for the customer.
In view of the above, manufacturers have proposed a technical means for notifying the client in real time by using a short message or a network, so as to transmit the generated evaluation mark information by using the short message or the network after generating the evaluation mark information, thereby achieving the purpose of notifying the client in real time. However, this method enables the client to know the comment flag information, and solves the problem of information asymmetry. However, when the evaluation mark information is in dispute, the method cannot provide dispute relief for the client, so that the rights and interests of the client are easily seriously damaged, and particularly, the credit of the client is damaged due to the fact that the financial institution loses the evaluation mark information to cause unrealistic evaluation, and the credit of the client at other financial institutions is even affected. In addition, the comment marking information generated by simply transmitting the comment marking information by a short message or a network has a problem that the comment marking information is easily stolen by a third party, that is, the confidentiality of the comment marking information is not good.
In summary, it is known that there is a problem that assessment and risk marking are lack of dispute relief mechanism and poor privacy in the prior art, and therefore, there is a need for an improved technical solution to solve the problem.
Disclosure of Invention
The invention discloses a dispute relief system with a KYC data mark with multiple keys and a method thereof.
First, the present invention discloses a dispute relief system with multi-key KYC data mark, which is applied in a blockchain network for executing intelligent contracts, the system comprises: the system comprises a right charge end, a client and a financial end. Wherein the authority end comprises: the system comprises an initial module and a release module. The initial module is used for issuing a KYC data registration contract through block chain transaction to provide a KYC data contract for registration, issuing a KYC data request registration contract through the block chain transaction to provide a KYC data request contract for registration, issuing a KYC evaluation registration contract through the block chain transaction to provide a KYC evaluation contract for registration, and issuing a KYC evaluation contract through the block chain transaction to provide a KYC evaluation contract for registration, wherein the KYC evaluation contract comprises an evaluation joining event, a review request event and a request response event; the issuing module is used for receiving KYC data, issuing a KYC data contract corresponding to the KYC data through block chain transaction and registering to a KYC data registration contract after the KYC data are verified, and issuing a KYC evaluation contract corresponding to the KYC data contract through the block chain transaction and registering to the KYC evaluation registration contract when the KYC data contract is issued and registered.
Then, the client includes: the device comprises a reading module, a decryption module and a request module. The reading module is used for obtaining encryption evaluation marking information of a corresponding client and a corresponding first encryption key in a KYC evaluation contract through the evaluation joining event when the evaluation joining event is triggered and the address contained in the evaluation joining event is consistent with the client; the decryption module is used for decrypting the first encryption key according to a client private key of the client to obtain a key, and decrypting the encrypted evaluation mark information by using the key to obtain evaluation mark information; the request module is used for calling a review function of the KYC evaluation contract when the evaluation mark information is in dispute, sending a review request corresponding to the evaluation mark information and triggering a review request event.
As for the financial terminal, it includes: the device comprises a generation module, an encryption module, a newly added module and a review module. The generation module is used for generating evaluation marking information according to KYC data in a KYC data contract after a KYC data request contract is issued through block chain transaction and registered to the KYC data request registration contract to obtain a KYC data contract corresponding to a client; the encryption module is used for generating a secret key, encrypting the evaluation mark information by the secret key to generate encrypted evaluation mark information, encrypting the secret key by a client public key of a corresponding client to generate a first encryption secret key, and encrypting the secret key by a financial end public key of the financial end to generate a second encryption secret key; the newly added module is used for obtaining a KYC evaluation contract corresponding to the client from a KYC evaluation registration contract, calling a newly added function of the KYC evaluation contract, adding encryption evaluation marking information and a corresponding first encryption key and a second encryption key into the KYC evaluation contract and triggering evaluation addition events; the review module is used for obtaining a review request through the review request event to allow the encrypted evaluation marking information to be regenerated after detecting that the review request event is triggered, calling a response function of the KYC evaluation contract, adding the regenerated encrypted evaluation marking information and the corresponding first encryption key and second encryption key to the KYC evaluation contract together, and triggering a request response event and an evaluation joining event.
In addition, the invention discloses a dispute relief method of KYC data mark with multiple keys, which is applied to a block chain network executing intelligent contracts and comprises the following steps: the method comprises the following steps that a liability terminal issues a KYC data registration contract through a block chain transaction to provide a KYC data contract for registration, issues a KYC data request registration contract through the block chain transaction to provide a KYC data request contract for registration, issues a KYC evaluation registration contract through the block chain transaction to provide a KYC evaluation contract for registration, and issues a KYC evaluation contract through the block chain transaction to provide a KYC evaluation contract for registration, wherein the KYC evaluation contract comprises an evaluation joining event, a reexamination request event and a request response event; the authority terminal receives KYC data from the client, issues a KYC data contract corresponding to the KYC data through block chain transaction after the KYC data are verified, and registers the KYC data contract to a KYC data registration contract; when the authority terminal issues and registers KYC data contracts, issuing KYC evaluation contracts corresponding to the KYC data contracts through block chain transaction and registering the KYC evaluation contracts to KYC evaluation registration contracts; after the financial terminal issues the KYC data request contract through the block chain transaction and registers the KYC data request registration contract to obtain a KYC data contract corresponding to the client, generating evaluation marking information according to KYC data in the KYC data contract; the financial terminal generates a secret key, encrypts the evaluation mark information by the secret key to generate encrypted evaluation mark information, encrypts the secret key by a client public key of a corresponding client to generate a first encryption secret key, and encrypts the secret key by a financial terminal public key of the financial terminal to generate a second encryption secret key; the financial terminal obtains a KYC contract from a KYC contract registration contract corresponding to the client, calls a newly added function of the KYC contract, adds the encrypted evaluation mark information and the corresponding first encryption key and second encryption key to the KYC contract and triggers evaluation adding events; when the client detects that the adding event for evaluation is triggered and the address contained in the adding event for evaluation is consistent with the client, acquiring encryption evaluation marking information of the client and a first encryption key corresponding to the encryption evaluation marking information in a KYC evaluation contract through the adding event for evaluation; the client decrypts the first encryption key according to a client private key of the client to obtain a key, and decrypts the encrypted evaluation mark information by the key to obtain evaluation mark information; when the evaluation mark information is disputed, the client calls a reexamination function of the KYC evaluation contract, sends a reexamination request corresponding to the evaluation mark information and triggers a reexamination request event; after the financial terminal detects that a review request event is triggered, a review request is obtained through the review request event to allow the encrypted evaluation mark information to be regenerated, a response function of the KYC evaluation contract is called, the regenerated encrypted evaluation mark information and the corresponding first encryption key and second encryption key are added to the KYC evaluation contract together, and the request response event and the evaluation join event are triggered.
The system and the method disclosed by the invention have the difference from the prior art that KYC data is provided to the authority end through the client to be verified and issued to the blockchain network, and an intelligent contract is executed on the blockchain network, so that the authority end, the client and the financial end can execute the function of the intelligent contract and detect the event of the intelligent contract, the evaluation marker information and the key are encrypted by the key after the financial end generates the evaluation marker information and the key, the key is encrypted by the client public key and the financial end public key respectively to generate two groups of encryption keys for limiting the evaluation marker information to be only decrypted and read by the corresponding client and the financial end, and when the evaluation marker information is in dispute, the client is allowed to send a review request to enable the financial end to review again.
Through the technical means, the invention can achieve the technical effects of improving the convenience and the confidentiality of dispute relief.
Drawings
Fig. 1 is a system block diagram of the inventive KYC data marked dispute relief system with multiple keys.
Fig. 2A to 2D are flow charts of the dispute relief method of KYC data mark with multiple keys according to the present invention.
Fig. 3A and 3B are schematic diagrams illustrating the application of the present invention to upload KYC data and to perform dispute relief.
Fig. 4 is a schematic diagram of generating encryption evaluation mark information, a key, a first encryption key and a second encryption key by applying the present invention.
Description of the symbols:
10 blockchain network
100 authority terminal
101 initial module
102 publishing module
110 client
111 read module
112 decryption module
113 request module
120 finance end
121 generation module
122 encryption module
123 newly-added module
124 review module
300 operating window
310 data input block
311 editing component
312 storage component
313 transfer assembly
320 display area
321 reexamination component
410. 420 rating mark information
450 key
451 rating mark information
452 encryption of rating marking information
461 client public key
462 first encryption key
471 financial terminal public key
472 second encryption key
The step 200 of the authority terminal is that at the beginning, a KYC (Key group customer) data registration contract is issued through a block chain transaction to provide at least one KYC data contract for registration, a KYC data request registration contract is issued through the block chain transaction to provide at least one KYC data request contract for registration, and a KYC evaluation registration contract is issued through the block chain transaction to provide at least one KYC evaluation contract for registration, wherein the KYC evaluation contract comprises an evaluation join event, a review request event and a request response event
Step 201, the authority terminal issues a KYC execution registration contract through a blockchain transaction at an initial time to record an execution result of at least one KYC data execution contract, where the KYC data execution contract records KYC data reviewed by the financial terminal
202, the authority terminal issues account number linkage contract through block chain transaction at the beginning to store at least one account number address corresponding to each client, so that the account number address corresponds to the same KYC data, the account number address is allowed to be added or deleted, and after the financial terminal verifies the account number address, the financial terminal is allowed to receive the same KYC data by using different account number addresses
220, when the authority end issues and registers the KYC data contract, the authority end issues the KYC evaluation contract corresponding to the KYC data contract through block chain transaction and registers the KYC evaluation contract to the KYC evaluation registration contract
230, after issuing the KYC data request contract through the block chain transaction and registering the KYC data request registration contract to obtain the KYC data contract corresponding to the client, at least one financial terminal generates evaluation mark information according to the KYC data in the KYC data contract
Step 250, the financial terminal obtains the KYC contract from the KYC contract registration, calls a new function of the KYC contract, adds the encrypted contract mark information and the corresponding first encryption key and second encryption key to the KYC contract registration and triggers the contract adding event
In step 291, when the client receives an authorization request from the financial end to request to read the encrypted and evaluated mark information generated by another financial end, the client authorizes the financial end to read the encrypted and evaluated mark information, reads the first encryption key corresponding to the encrypted and evaluated mark information and decrypts the first encryption key with the client private key to obtain the encryption key, encrypts the encryption key according to the financial end public key of the financial end transmitting the authorization request to generate a third encryption key, provides the third encryption key to the financial end transmitting the authorization request, decrypts the third encryption key with the financial end private key to obtain the encryption key, and decrypts the encrypted and evaluated mark information with the encryption key to obtain the evaluated mark information
Detailed Description
The following detailed description of the embodiments of the present invention will be provided with reference to the accompanying drawings and examples, so that how to implement the embodiments of the present invention by using technical means to solve the technical problems and achieve the technical effects can be fully understood and implemented.
Before describing the KYC data token dispute relief system with multiple keys and the method thereof disclosed by the present invention, an environment in which the present invention is applied will be described, wherein the present invention is applied in a Blockchain network executing an intelligent contract, and all computer devices in the Blockchain network can be regarded as Blockchain nodes which are connected in a point-to-point (Peer-to-Peer) manner and are used for processing Blockchain Transactions (Blockchain Transactions). In practical implementations, the computer device can be a server, a host computer, a notebook computer, a tablet computer, etc. for executing computer program instructions, such as: the blockchain program "Ethereum". In addition, the intelligent contract is a computer program that drives instructions according to predetermined conditions and transmitted information, and in actual implementation, the intelligent contract is implemented by a programming language such as: the intelligent contracts are compiled to obtain Binary codes and Application Binary Interfaces (ABIs) so as to broadcast the intelligent contracts to the blockchain network, and a Miner (Miner) waits for putting the intelligent contracts on the blockchain and obtaining corresponding addresses, so that the intelligent contracts are completed. Then, the node of the block chain network can execute the corresponding intelligent contract according to the address, and the state of the intelligent contract on the block chain can be changed by different instructions. It should be particularly noted that the contracts such as "KYC data registration contract", "KYC data request registration contract", "KYC data request contract", "KYC evaluation registration contract", "KYC execution registration contract", "KYC data execution contract", and "account number connection contract" are all intelligent contracts, and the "registration" mentioned in the text means that by executing a function in the intelligent contract, an address correspondence relationship between different intelligent contracts is established, and each of the intelligent contracts is briefly described below:
the KYC data contract is used for recording KYC data of a client, in actual implementation, each data item of the KYC data can be encrypted through a client public key respectively, a corresponding hash value can be calculated through a hash algorithm, then the calculated hash value is signed by a authority end private key (namely, a hash signature value) and then stored, for example, the KYC data contract does not store a plain code of the KYC data, but stores the encrypted data item and the hashed and signed value, and actually, the KYC data contract can also contain an account address of the client, and the account address can be presented in a public key mode. In practical implementation, the KYC data contract contains functional formulas such as: "setData ()", and may be used to bring in parameters such as "the code described in the data of KYC data", "each data item", "the hash value of each data item", and "the hash signature value of each data item".
And a KYC data contract which is used for registering the KYC data contract and providing related events (namely data registration events and data updating events). In practical implementation, the KYC data contract is registered, and simultaneously, the corresponding KYC evaluation contract is generated through a function and is registered in the KYC evaluation registration contract, so that an authorized financial terminal can evaluate and mark risks of corresponding clients. The KYC data registry contract contains functions such as: "register kycdata ()", "updateKYCData ()", both of which are brought into the address and account address of the KYC data contract, and the execution of which triggers corresponding events, such as: "KYCDataDidRegister" and "KYCDataDidUpdate" are triggered when KYC data contract registration is performed, and triggered when KYC data contract update is performed.
Third, a KYC data request contract is used for the financial terminal to initiate a request to the client so as to obtain the authorization right for reviewing KYC data from the client, that is, the client also replies the authorization right through the KYC data request contract. In practical implementation, the KYC data request contract contains a function, such as: "addRequest ()", "addSignature ()", "isprovived ()", "objectrequest ()", "revokeRequest ()", and the like, which are respectively used for executing the cases of "financial terminal adding data items to be reviewed", "financial terminal setting signature for client to verify financial terminal source", "checking whether the financial terminal has authorization authority to review specified data items", "client authorizes request to review specified data items", "client refuses request to review specified data items", and "client cancels authorization authority authorized to review specified data items".
And fourthly, registering the KYC data request contract for registering and recording the request of the financial terminal for reviewing the KYC data of the client, providing corresponding events to inform the client of the reviewing request and inform the financial terminal of the response or update of the authorization state. In practical implementation, KYC data requests a registration contract to contain a function such as: the "requestKYCData ()" and the "responseKYCDataRequest ()" are respectively used for providing the financial terminal registration KYC data request contract and informing that the contract has been responded after the client replies or updates the authorization state of the KYC data request contract. In addition, executing these two functions triggers corresponding events, such as: the client side comprises a KYCDataDidRequest and a KYCDataRequestDidResponse, wherein the KYCDataDidRequest is triggered when a new KYC data request contract is registered to inform the client side of the contract, and the KYCDataRequest is triggered when the authorization state of the KYC data request contract is changed to inform the financial side of the change of the authorization state.
And fifthly, carrying out a KYC data execution contract for recording KYC processing executed by the financial terminal, wherein the KYC data execution contract comprises the following functional formulas: "executeKyc ()" for signing after the finance end reviews the designated data item of the KYC data, each data item needs to be signed independently.
Sixthly, recording execution results of the KYC execution contract, wherein the execution results of the KYC execution contract comprise the functional formula as follows: "register KYCExecution ()".
Seventh, KYC evaluation contracts are used to provide financial end records of client's evaluation and risk marks, and provide client's application for re-evaluation, which includes the functional formulas, such as: "addnucleotides ()", "addFlag ()", "addRating ()", "request evaluation ()", and "responserevaluation ()", etc., which are used to "note of the newly added financial end to the client", "risk flag of the newly added financial end to the client", "evaluation of the newly added financial end to the client, etc", "issue a re-audit request", and "reply a new evaluation, etc., respectively, and the evaluation, etc., can also be encrypted using the public key of the authority end. In addition, the call functions "add rating ()", "request evaluation ()" and "responserevaluation ()" are executed to trigger corresponding events, such as: kycrating dadd, kycrating reevaluationondrequest and kycrating reevaluationondresponse are triggered when financial end adds evaluation, client requests review and financial end replies to regenerated evaluation marking information respectively, and the triggered events can be detected and monitored by the liability end, the financial end or the client. In practical implementation, the function "add rating ()" must be called by the authorized finance end, the function "request rating ()" called by the client end, the reference evaluation etc. required to be brought, the function "responserevaluation ()" called by the finance end to reply the request of re-evaluation etc., after reply, an encrypted new evaluation content (i.e. encrypted evaluation marking information) will be generated, and the corresponding request of re-evaluation will be referred. In particular, since the function "responsiveness evaluation ()" regenerates the marker information for encryption evaluation in addition to the request for return evaluation and the like to be added to the KYC evaluation contract, the "kycrating didadd" and the "kycrating responsiveness index response" events are triggered at the same time.
Eight, KYC evaluation and other registration contracts used for providing registration KYC evaluation and other contracts, which comprise functions such as: "register ()" that completes registration of KYC-rated contracts by bringing in the address of the KYC-rated contracts.
Ninth, account linking contracts are used for binding multiple account addresses for clients to achieve privacy, and the account addresses stored by signature encryption can include functions such as: "addAssociation ()", "removeAssociation ()" and "getAssociation ()" are used to perform the processing of "signature for newly adding binding", "signature for removing binding", and "inquiring the account address bound by a signature", respectively.
Referring to fig. 1, fig. 1 is a block diagram of a system for saving disputes of KYC data mark with multiple keys, which is applied to a blockchain network 10 for executing an intelligent contract, and the system includes: the accountability end 100, the client 110 and the finance end 120. In which, the authority terminal 100 may be a government authority or a government legal authority, and the purpose of the authority terminal 100 is to provide KYC data service for verifying natural people or organizations (e.g. verifying whether the materials are correctly attached), in fact, the authority terminal 100 is connected to the blockchain network 10 as a blockchain link, and the authority terminal 100 includes: an initialization module 101 and a publishing module 102. The initialization module 101 is configured to issue a KYC data registration contract through a block chain transaction to provide a KYC data contract for registration, issue a KYC data request registration contract through the block chain transaction to provide a KYC data request contract for registration, issue a KYC evaluation registration contract through the block chain transaction to provide a KYC evaluation contract for registration, and perform registration, where the KYC evaluation contract includes an evaluation join event, a review request event, and a request response event, and by detecting whether these events are triggered, it can be determined whether a new evaluation, a review request, a response request, and other situations occur, for example, when a new evaluation flag information is added to the financial terminal 120, the evaluation join event is triggered; when the client 110 sends a review request, a review request event is triggered; when the financial terminal 120 regenerates the evaluation mark information, the request response event is triggered.
In addition, the initial module 101 may also issue KYC execution registration contracts through blockchain transactions to record execution results of KYC data execution contracts that record each data item and its signature reviewed by the financial terminal 120. Therefore, which finance end 120 has reviewed the KYC data can be known later by verifying the signature. In addition, the liability terminal 100 may issue an account linking contract through a block chain transaction at the beginning to store all account addresses corresponding to each client terminal 110, so that all account addresses correspond to the same KYC data, and the account addresses are allowed to be added or deleted, so that after the financial terminal 120 verifies the account addresses and confirms that the account addresses are generated by the client terminals 110, the financial terminal may be allowed to receive the same KYC data at different account addresses. In other words, the client 110 can use different account addresses to let the finance client 120 perform KYC processing, even avoiding knowing the identity of the client 110 by a single account address.
The issuing module 102 is configured to receive KYC data, issue a KYC data contract corresponding to the KYC data through a block chain transaction and register the KYC data contract to a KYC data registration contract after the KYC data is verified, issue a KYC evaluation contract corresponding to the KYC data contract through the block chain transaction and register the KYC evaluation contract to the KYC evaluation registration contract when the KYC data contract is issued and registered, so as to allow the authorized financial terminal 120 to evaluate and mark risks of the corresponding client terminal 110, that is, generate evaluation marking information according to the KYC data in the KYC data contract to increase to the corresponding KYC evaluation contract. In practical implementations, the KYC data may include a plurality of data items, such as: name, identification number, gender, proof of property, etc., each data item having a corresponding code, such as: the identification number is coded as "ID", the property certificate is coded as "weathpro", and so on. In addition, the data stored in the KYC data contract may include "account address of the customer", "each data item", and "hash signature value subjected to hash and signature processing", where the account address of the customer may be presented in the form of a public key; the data item may be subject to encryption; the signature is implemented by a authority-accountability-side private key, and the public keys (such as a client public key and a authority-accountability-side public key) and the private keys (such as a client private key and a authority-accountability-side private key) mentioned in the document can be provided by certificates issued by a third-party public-trust certificate unit (such as taiwan network authentication center).
On the part of the client 110, the client 110 may provide the blockchain node service itself or through a third party (e.g., the authoritative end 100, the financial end 120, or any service provider authorized to connect to the blockchain node), in other words, the client 110 may directly or indirectly connect to the blockchain network 10 using the blockchain node to detect the event of the smart contract, where "directly" means that the client 110 itself is the blockchain node in the blockchain network 10 that connects to the blockchain network 10 using the blockchain client program; by "indirect" is meant using a third party integration service, such as a financial institution providing wallet services based on blockchain nodes. Assuming that the client 110 is a blockchain node, the event of the intelligent contract is directly monitored; assuming that the client 110 is a block-linked point service provided by a third party, a monitoring address needs to be provided in order to monitor events of the intelligent contract and, when directed to the client of the service, notify the client to process the intelligent contract, in a manner that can be achieved by a mobile application, email, phone, etc. Specifically, when the client 110 receives an authorization request from the financial terminal 120 and requests to read the encrypted evaluation mark information generated by another financial terminal 120, the authorized financial terminal 120 reads the encrypted evaluation mark information, and the client 110 reads the first encryption key corresponding to the encrypted evaluation mark information to decrypt using the client private key to obtain a key, encrypts the key according to the financial terminal public key of the financial terminal 120 transmitting the authorization request to generate a third encryption key, and provides the third encryption key to the financial terminal 120 transmitting the authorization request, so that the financial terminal 120 decrypts the third encryption key with the financial terminal private key to obtain a key, and decrypts the encrypted evaluation mark information with the obtained key to obtain the evaluation mark information. In practical implementation, the "encrypted evaluation mark information" is different from the "evaluation mark information" only in that the former is encrypted by a key, and the latter is unencrypted.
Specifically, the client 110 includes: a reading module 111, a decryption module 112 and a request module 113. The reading module 111 is configured to obtain encryption evaluation marking information corresponding to the client 110 in the KYC evaluation contract and a corresponding first encryption key thereof by evaluating the joining event when it is detected that the evaluation joining event is triggered and an address (i.e., an account address of the specified client 110) included in the evaluation joining event is consistent with the client 110.
The decryption module 112 is configured to decrypt the first encryption key according to the client private key of the client 110 to obtain a key, and decrypt the encrypted rating mark information with the key to obtain the rating mark information. In practical implementations, since the first encryption key is generated by client public key encryption, decryption can be performed using the corresponding client private key. Therefore, only the client 110 having the corresponding client private key can know the content of the comment flag information, and the other clients 110 cannot decrypt the comment flag information because they do not have the corresponding client private key.
The request module 113 is configured to, when the evaluation mark information is in dispute, call a review function of the KYC evaluation contract, issue a review request corresponding to the evaluation mark information, and trigger a review request event. In practical implementation, for example, if the evaluation mark information obtained by the client 110 includes a written text (e.g., "alert account") that is not written by the client, the client calls a review function if the written text is deemed not written by the client; on the contrary, if the recorded characters are approved by the client, no dispute exists, so that the reviewing function is not required.
Then, at the part of the finance end 120, the finance end 120 must be connected with the authority end 100 and also connected with the blockchain network 10 as the blockchain link, and each finance end 120 includes: a generating module 121, an encrypting module 122, a newly adding module 123 and a reviewing module 124. The generation module 121 is configured to issue a KYC data request contract through a blockchain transaction and register the KYC data request contract to the KYC data request registration contract to obtain a KYC data contract corresponding to the client 110, and then generate evaluation marking information according to KYC data in the KYC data contract. For example, assessment tagging information may be generated based on occupation, age, annual income, etc. in the KYC material to document assessment and risk tagging.
The encryption module 122 is configured to generate a key, encrypt the evaluation flag information with the key to generate encrypted evaluation flag information, encrypt the key with a client public key of the corresponding client to generate a first encryption key, and encrypt the key with a financial public key of the financial end itself to generate a second encryption key. In other words, the first encryption key and the second encryption key differ only in that the former is generated by encrypting the key through the client public key, and the latter is generated by encrypting the key through the financial end public key. In addition, the aforementioned third encryption key and the second encryption key are generated by encrypting the key through the public key of the financial end, but the difference between the two is that the third encryption key is generated by the client 110 and transmitted to the corresponding financial end 120, and the second encryption key is generated directly at the financial end 120.
The adding module 123 is configured to obtain a KYC evaluation contract corresponding to the client 110 from a KYC evaluation registration contract, call a new function of the KYC evaluation contract, add the encryption evaluation marking information and the corresponding first encryption key and second encryption key to the KYC evaluation contract, and trigger an evaluation addition event. Therefore, when the client 110 detects that the comment join event is triggered, it can be determined that a comment mark information has been added to the KYC contract corresponding to the client, and the first encryption key and the second encryption key can limit the object that is allowed to decrypt the comment mark information.
The review module 124 is configured to obtain a review request through the review request event to allow the re-generation of the evaluation marking information after detecting that the review request event is triggered, call a response function of the KYC evaluation contract, add the re-generated encrypted evaluation marking information and the corresponding first encryption key and second encryption key to the KYC evaluation contract together, and trigger the request for the response event and the evaluation joining event. Therefore, when the client 110 detects that the request response event and the addition event are triggered, it can be determined that the financial terminal 120 has re-evaluated to generate a new piece of encrypted evaluation marking information, and the new piece of encrypted evaluation marking information is added to the corresponding KYC contract. At this point, the dispute relief process is completed. It should be noted that the review request can be encrypted and decrypted by using a key, and includes a first encryption key and a second encryption key to respectively provide a client private key of the client 110 and a financial private key of the financial terminal 120 for decryption to obtain a key, and then the key is used to decrypt the review request that is also encrypted by using the key.
Referring to fig. 2A to 2D, fig. 2A to 2D are flowcharts of a method for providing a KYC data mark dispute relief with multiple keys according to the present invention, which is applied to a blockchain network 10 for executing an intelligent contract, and the method includes the steps of: the title terminal 100 issues a KYC data registration contract through a blockchain transaction to provide a KYC data contract for registration, issues a KYC data request registration contract through the blockchain transaction to provide a KYC data request contract for registration, and issues a KYC evaluation registration contract through the blockchain transaction to provide a KYC evaluation contract for registration, wherein the KYC evaluation contract comprises an evaluation joining event, a review request event and a request response event (step 200); the accountability terminal 100 receives the KYC data from the client terminal 110, and issues a KYC data contract corresponding to the KYC data through the blockchain transaction and registers the KYC data contract to a KYC data registration contract after verifying the KYC data (step 210); when the authority terminal 100 issues and registers the KYC data contract, issues a KYC evaluation contract corresponding to the KYC data contract through block chain transaction and registers the KYC evaluation contract to a KYC evaluation registration contract (step 220); after issuing the KYC data request contract through the blockchain transaction and registering the KYC data request registration contract to obtain a KYC data contract corresponding to the client 110, the financial terminal 120 generates evaluation marking information according to KYC data in the KYC data contract (step 230); the financial terminal 120 generates a key and encrypts the evaluation flag information with the key to generate encrypted evaluation flag information, and encrypts the key with a client public key corresponding to the client terminal 110 to generate a first encryption key, and encrypts the key with a financial terminal public key of the financial terminal 120 itself to generate a second encryption key (step 240); the financial terminal 120 obtains a KYC contract from a KYC contract registration contract corresponding to the client terminal 110, calls a newly added function of the KYC contract, adds the encrypted evaluation mark information and the corresponding first encryption key and second encryption key to the KYC contract and triggers an evaluation adding event (step 250); when the client 110 detects that the join event for evaluation is triggered and the address included in the join event for evaluation is consistent with the client 110, acquiring encryption evaluation marking information corresponding to the client 110 in the KYC evaluation contract and a first encryption key corresponding to the encryption evaluation marking information through the join event for evaluation (step 260); the client 110 decrypts the first encryption key according to the client private key of the client 110 itself to obtain a key, and decrypts the encrypted rating mark information with the key to obtain rating mark information (step 270); when the evaluation mark information is in dispute, the client 110 calls a review function of the KYC evaluation contract, sends a review request corresponding to the evaluation mark information and triggers a review request event (step 280); after detecting that the review request event is triggered, the financial terminal 120 obtains a review request through the review request event to allow the re-generation of the encrypted evaluation marking information, calls a response function of the KYC evaluation contract, adds the re-generated encrypted evaluation marking information and the corresponding first encryption key and second encryption key to the KYC evaluation contract, and triggers a request for a response event and an evaluation join event (step 290). Through the above steps, KYC data is provided to the accountability end 100 through the client 110 for verification and distribution to the blockchain network 10, and an intelligent contract is executed on the blockchain network 10, so that the accountability end 100, the client 110 and the financial end 120 can execute a function of the intelligent contract and detect an event of the intelligent contract, so that after the financial end 120 generates evaluation mark information and a key, the evaluation mark information is encrypted by a key, and then the key is encrypted by a client public key and a financial end public key respectively to generate two groups of encryption keys (i.e., a first encryption key and a second encryption key) for limiting the evaluation mark information to be decrypted and read only by the corresponding client 110 and financial end 120, and when the evaluation mark information is in question, the client 110 is allowed to issue a review request to make the financial end 120 review again.
Specifically, after step 200, the authority terminal 100 may also issue a KYC execution registration contract through a block chain transaction at an initial time to record execution results of the KYC data execution contract, where the KYC data execution contract records KYC data reviewed by the financial terminal 120 (step 201), issue an account number link contract through the block chain transaction to store all account number addresses corresponding to each client 110, make all account number addresses correspond to the same KYC data, allow the account number address to be added or deleted, and allow the same KYC data to be received with different account number addresses after the account number address is verified by the financial terminal 120 (step 202). Therefore, the client can bind a plurality of account addresses, the probability of identifying the client through the account addresses is reduced, and the privacy is improved. In addition, after step 290, when the client terminal 110 receives an authorization request from one financial terminal 120 and requests to read the encrypted comment information generated by another financial terminal 120, the client 110 may authorize the financial terminal 120 to read the encrypted rating mark information of the client 110, and the client 110 will read the first encryption key corresponding to the encrypted evaluation mark information, and decrypts the first encryption key with the client private key to obtain a key, encrypts the key according to the financial terminal public key of the financial terminal 120 transmitting the authorization request to generate a third encryption key, and providing the third encryption key to the financial terminal 120 transmitting the authorization request, so that the financial terminal 120 decrypts the third encryption key with the financial terminal private key to obtain the key, and decrypts the encrypted evaluation mark information with the key to obtain the evaluation mark information (step 291). Therefore, the reading of the marked information does not need to pass through a third party (such as the accountability end 100), and the object of reading the marked information can be effectively limited by the key, the first encryption key and the second encryption key, so that the confidentiality is greatly improved.
Referring to fig. 3A and 3B, fig. 3A and 3B are schematic views illustrating KYC data uploading and dispute relief according to the present invention. As mentioned above, the issuing module 102 of the authority terminal 100 is configured to receive KYC data. In practical implementation, the KYC data is uploaded to the authority 100 by the client 110. Assuming that client 110 is to upload KYC data, a client at client 110 may open an operation window 300 and type in the data input block 310 the client's own KYC data, for example: the name, the identification number, the annual income and the like are sequentially clicked by the storage component 312 to store the KYC data, and the stored KYC data can be transmitted to the authority terminal 100 through the clicking transmission component 313, so that the authority terminal 100 issues corresponding KYC data contracts, KYC evaluation contracts and the like through block chain transactions according to the KYC data. In addition, if the customer wants to modify the stored KYC data, the editing component 311 may be clicked for editing, and then the re-clicking transmission component 313 uploads the updated KYC data to the authority terminal 100.
Next, assuming that the financial terminal 120 has generated corresponding encryption evaluation marking information and added to the corresponding KYC contract, the client 110 detects that the evaluation joining event is triggered, and obtains the encryption evaluation marking information corresponding to the client 110 and the corresponding first encryption key in the KYC contract by evaluating the joining event when the address included in the evaluation joining event matches the client 110 itself. Then, the client 110 decrypts the first encryption key according to its own client private key to obtain a set of keys, and decrypts the encrypted comment information with the set of keys to obtain the comment information 410. At this time, the obtained evaluation mark information 410 can be displayed through the display block 320 as illustrated in fig. 3A, and if the customer disagrees with the evaluation mark information 410, the financial terminal 120 can be requested to re-audit by clicking the re-audit component 321. For example, assume that the comment flag information 410 displayed in the display section 320 is described as "comment: poor credit; risk marking: when the customer disagrees with the evaluation marking information 410, the customer calls a review function of the KYC evaluation contract through the review and review component 321 to send a review request corresponding to the evaluation marking information 410 and trigger a review request event of the KYC evaluation contract. When the finance end 120 detects that the review request event is triggered, it will obtain the review request for review through the review request event, where the review can be manually operated or calculated by different review formulas, further, a new piece of evaluation mark information is generated again and encrypted by a key to become encrypted evaluation mark information, then, the newly generated encryption evaluation marking information and the corresponding first encryption key and second encryption key are added into the same KYC evaluation contract, and triggers the request response event and the join evaluation event, so that the client 110, upon detecting that the request response event and the join evaluation event are triggered, it can be known that the financial terminal 120 has re-evaluated to generate a new piece of encrypted rating mark information, and the new encrypted comment marking information is added into the corresponding KYC comment contract. At this time, the above steps may be repeated to decrypt the new encrypted comment tag information to obtain new comment tag information 420, and the new comment tag information 420 is displayed in the display area 320 for the client to browse as illustrated in fig. 3B. In practice, the financial terminal 120 may use the updated KYC data or adopt a more rigorous calculation method to generate new evaluation mark information when reviewing again, such as: the original checking is only carried out according to annual income and liabilities, and real estate, investment, security products and the like can be listed for calculation when the checking is carried out again.
Fig. 4 is a schematic diagram illustrating the generation of the encryption evaluation mark information, the key, the first encryption key and the second encryption key by applying the present invention. In actual practice. The encryption module 122 may generate the key 450 by using words, numbers, symbols or a combination thereof, and the algorithm used in encryption may use a symmetric encryption algorithm, such as: DES, 3DES, AES, etc., as illustrated in fig. 4, encryption of the rating mark information 451 will generate encrypted rating mark information 452. Additionally, encrypting key 450 using client public key 461 will generate first encryption key 462; encrypting the same key 450 using the financial end public key 471 will generate a second encryption key 472. In this way, when the adding module 123 calls an adding function of the KYC contract, the generated encryption evaluation marking information 452, the first encryption key 462 and the second encryption key 472 may be added to the KYC contract together, and an evaluation join event may be triggered, so that other block chain nodes, such as: the ue 110, the responsible party 100, etc. determine whether a new comment is added by detecting whether an adding event is triggered. In addition, since the first encryption key 462 can only be decrypted by the corresponding client 110 using its own client private key to obtain the key 450; similarly, the second encryption key 472 can only be decrypted by the corresponding financial terminal 120 using its own private financial terminal key to obtain the key 450, so that the encryption evaluation mark information 452 can be effectively limited to only be decrypted by the corresponding client terminal 110 and the financial terminal 120 to obtain the key 450, and can be restored to the evaluation mark information 451, and the key cannot be decrypted even if the key is obtained by a third party without passing through the third party, so that the key 450 has confidentiality.
In summary, it can be seen that the difference between the present invention and the prior art is that KYC data is provided to the accountability end 100 through the client 110 for verification and distribution to the blockchain network 10, and an intelligent contract is executed on the blockchain network 10, so that the accountability end 100, the client 110 and the financial end 120 can execute a function of the intelligent contract and detect an event of the intelligent contract, so that after the financial end 120 generates evaluation flag information and a key, the evaluation flag information is encrypted by the key, and then the key is encrypted by the client public key and the financial end public key respectively to generate two sets of encryption keys for limiting the evaluation flag information to be only decrypted and read by the corresponding client 110 and financial end 120, and when the evaluation flag information is in dispute, the client 110 is allowed to issue a review request to make the financial end 120 review again, thereby the technical means can solve the problems existing in the prior art, thereby achieving the technical effect of improving the convenience of dispute relief.
Although the present invention has been described with reference to the foregoing embodiments, it should be understood that various changes and modifications can be made therein by those skilled in the art without departing from the spirit and scope of the invention.
Claims (10)
1. A KYC data tagged dispute relief system with multiple keys for use in a blockchain network for executing intelligent contracts, the system comprising:
the authority end, the authority end includes:
the system comprises an initial module, a block chain transaction processing module and a data processing module, wherein the initial module is used for issuing a KYC data registration contract through the block chain transaction to provide at least one KYC data contract for registration, issuing a KYC data request registration contract through the block chain transaction to provide at least one KYC data request contract for registration, issuing a KYC evaluation registration contract through the block chain transaction to provide at least one KYC evaluation contract for registration, and registering, wherein the KYC evaluation contract comprises an evaluation joining event, a review request event and a request response event; and
the issuing module is used for receiving KYC data, issuing a KYC data contract corresponding to the KYC data through block chain transaction and registering the KYC data contract to the KYC data registration contract after the KYC data is verified, and issuing a KYC evaluation contract corresponding to the KYC data contract through block chain transaction and registering the KYC evaluation contract to the KYC evaluation registration contract when the KYC data contract is issued and registered;
at least one client, each client comprising:
the reading module is used for obtaining encryption evaluation marking information corresponding to the client and a first encryption key corresponding to the encryption evaluation marking information in the KYC evaluation contract through the evaluation joining event when the evaluation joining event is triggered and the address contained in the evaluation joining event is consistent with the client;
the decryption module is used for decrypting the first encryption key according to a client private key of the client to obtain a key and decrypting the encrypted evaluation mark information by using the key to obtain evaluation mark information; and
the request module is used for calling a reexamination function of the KYC evaluation contract when the evaluation mark information is in dispute, sending a reexamination request corresponding to the evaluation mark information and triggering a reexamination request event; and
at least one finance end, each finance end includes:
the generation module is used for generating the evaluation marking information according to the KYC data in the KYC data contract after the KYC data request contract is issued through block chain transaction and registered to the KYC data request registration contract so as to obtain the KYC data contract corresponding to the client;
an encryption module, configured to generate the secret key, encrypt the evaluation flag information with the secret key to generate the encrypted evaluation flag information, encrypt the secret key with a client public key corresponding to the client to generate the first encryption key, and encrypt the secret key with a financial end public key of the financial end itself to generate a second encryption key;
the newly-added module is used for obtaining the KYC contract for evaluating the client from the KYC registration contract, calling a newly-added function of the KYC contract for evaluating the client, adding the encrypted evaluation marking information and the corresponding first encryption key and second encryption key into the KYC contract for evaluating the client together, and triggering the evaluation adding event; and
the review module is used for acquiring the review request through the review request event to allow the encrypted evaluation marking information to be regenerated after detecting that the review request event is triggered, calling a response function of the KYC evaluation contract, adding the regenerated encrypted evaluation marking information and the corresponding first encryption key and the second encryption key to the KYC evaluation contract together, and triggering the request response event and the evaluation joining event.
2. The KYC data mark dispute relief system with multiple keys as claimed in claim 1, wherein said review request is encrypted and decrypted by said key and comprises said first encryption key and said second encryption key for providing said client private key of said client and said financial private key of said financial terminal respectively for decryption to obtain said key.
3. The KYC data branding dispute relief system with multiple keys system of claim 1, wherein the client further comprises a receiver configured to receive an authorization request from the financial terminal, when the financial terminal requests to read the encrypted evaluation mark information generated by another financial terminal, the financial terminal is authorized to read the encrypted evaluation mark information, the client reads the first encryption key corresponding to the encryption evaluation mark information, decrypts the first encryption key by using the client private key to obtain the key, encrypts the key according to the financial terminal public key of the financial terminal transmitting the authorization request to generate a third encryption key, and providing the third encryption key to the financial terminal transmitting the authorization request, so that the financial terminal decrypts the third encryption key by using the financial terminal private key to obtain the key, and decrypts the encrypted evaluation mark information by using the key to obtain the evaluation mark information.
4. The KYC data mark dispute relief system with multiple keys as claimed in claim 1, wherein said initial module of said liability terminal further issues KYC execution registration contract for recording execution result of at least one KYC data execution contract through blockchain transaction, said KYC data execution contract recording said KYC material reviewed by said financial terminal.
5. The KYC data marked dispute relief system with multiple keys as claimed in claim 1, wherein said initial module of said accountability end further issues an account linking contract through a blockchain transaction for storing at least one account address corresponding to each client, making said account addresses correspond to the same KYC data, and allowing said account addresses to be added or deleted, and allowing the same KYC data to be received with different account addresses after said account addresses are verified by said financial end.
6. A method for dispute relief of KYC data mark with multiple keys is applied to a block chain network executing intelligent contracts, and is characterized by comprising the following steps:
the method comprises the following steps that a liability terminal issues a KYC data registration contract through a block chain transaction to provide at least one KYC data contract for registration, issues a KYC data request registration contract through the block chain transaction to provide at least one KYC data request contract for registration, issues a KYC evaluation registration contract through the block chain transaction to provide at least one KYC evaluation contract for registration, and issues a KYC evaluation contract through the block chain transaction to provide at least one KYC evaluation contract for registration, wherein the KYC evaluation contract comprises an evaluation join event, a review request event and a request response event;
the authority terminal receives KYC data from at least one client, issues a KYC data contract corresponding to the KYC data through a block chain transaction after the KYC data is verified, and registers the KYC data contract to the KYC data registration contract;
when the authority terminal issues and registers the KYC data contract, the authority terminal issues the KYC evaluation contract corresponding to the KYC data contract through block chain transaction and registers the KYC evaluation contract to the KYC evaluation registration contract;
at least one financial terminal issues the KYC data request contract through block chain transaction and registers the KYC data request contract to obtain the KYC data contract corresponding to the client, and then evaluation marking information is generated according to the KYC data in the KYC data contract;
the financial terminal generates a key, encrypts the evaluation mark information by the key to generate encrypted evaluation mark information, encrypts the key by a client public key corresponding to the client to generate a first encryption key, and encrypts the key by a financial terminal public key of the financial terminal to generate a second encryption key;
the financial terminal acquires a KYC contract from the KYC contract registration, calls a new function of the KYC contract, adds the encryption evaluation mark information, the first encryption key and the second encryption key corresponding to the encryption evaluation mark information into the KYC contract and triggers the evaluation joining event;
when the client detects that the adding event is triggered and the address contained in the adding event is consistent with the client, acquiring the encryption adding mark information corresponding to the client and the first encryption key corresponding to the encryption adding mark information in the KYC evaluation contract through the adding event;
the client decrypts the first encryption key according to a client private key of the client to obtain the key, and decrypts the encrypted evaluation mark information by using the key to obtain the evaluation mark information;
when the evaluation mark information is disputed, the client calls a reexamination function of the KYC evaluation contract, sends a reexamination request corresponding to the evaluation mark information and triggers a reexamination request event; and
after the financial terminal detects that the review request event is triggered, the financial terminal obtains the review request through the review request event to allow the re-generation of the encrypted evaluation marking information, calls a response function of the KYC evaluation contract, adds the re-generated encrypted evaluation marking information and the corresponding first encryption key and second encryption key to the KYC evaluation contract and triggers the request response event and the evaluation joining event.
7. The method as claimed in claim 6, wherein the review request is encrypted and decrypted by the key and comprises the first encryption key and the second encryption key to provide the client private key of the client and the financial private key of the financial terminal for decryption respectively to obtain the key.
8. A dispute relief method having multiple key KYC data mark according to claim 6, wherein the method further comprises the client, upon receiving an authorization request from the financial terminal, when the financial terminal requests to read the encrypted evaluation mark information generated by another financial terminal, the financial terminal is authorized to read the encrypted evaluation mark information, the client reads the first encryption key corresponding to the encryption evaluation mark information, decrypts the first encryption key by using the client private key to obtain the key, encrypts the key according to the financial terminal public key of the financial terminal transmitting the authorization request to generate a third encryption key, and providing the third encryption key to the financial terminal transmitting the authorization request, so that the financial terminal decrypts the third encryption key by using the financial terminal private key to obtain the key, and decrypts the encrypted evaluation mark information by using the key to obtain the evaluation mark information.
9. The KYC data mark dispute relief method with multiple keys as claimed in claim 6, further comprising the step of said authoritative terminal issuing KYC execution registration contract through blockchain transaction at initial time for recording execution result of at least one KYC data execution contract, said KYC data execution contract recording said KYC data reviewed by said financial terminal.
10. The KYC data mark dispute relief method according to claim 6, further comprising the step of issuing an account linking contract through a block chain transaction at an initial stage by the accountability end for storing at least one account address corresponding to each client, enabling the account addresses to correspond to the same KYC data, allowing the account addresses to be added or deleted, and allowing the same KYC data to be received by different account addresses after the account addresses are verified by the financial end.
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| US11115420B2 (en) | 2019-04-26 | 2021-09-07 | Visa International Service Association | Distributed ledger data verification network |
| WO2019214756A2 (en) * | 2019-08-12 | 2019-11-14 | Alibaba Group Holding Limited | Blockchain-based dispute resolution |
| CN111291122B (en) * | 2020-02-04 | 2023-09-12 | 重庆大学 | Bidding method and device based on block chain |
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Also Published As
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| CN108965228A (en) | 2018-12-07 |
| TWI622949B (en) | 2018-05-01 |
| TW201901584A (en) | 2019-01-01 |
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