CN109063169A - A kind of customer data management system based on block chain - Google Patents

A kind of customer data management system based on block chain Download PDF

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Publication number
CN109063169A
CN109063169A CN201810939538.7A CN201810939538A CN109063169A CN 109063169 A CN109063169 A CN 109063169A CN 201810939538 A CN201810939538 A CN 201810939538A CN 109063169 A CN109063169 A CN 109063169A
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information
customer information
customer
chain
client
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陶然
马胜蓝
谢方恺
伊瑞华
阮光荣
曾代才
王桐森
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FUJIAN RURAL CREDIT YONHAP
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FUJIAN RURAL CREDIT YONHAP
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • G06Q20/06Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash

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  • Engineering & Computer Science (AREA)
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  • Strategic Management (AREA)
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  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention provides a kind of customer data management system based on block chain, participant links ingress by corresponding block and is connected to financial union chain, it realizes the cochain of customer data, and the inquiry of customer data is realized according to client intelligent account book, client intelligent contract, increases newly, modify and synchronizes;The financial union chain realizes that customer data circulates between the participant of setting to the customer data design sectionalised protection lock on chain;The client intelligent account book includes customer information access authority, newly-increased permission and customer information maintenance permission;Client intelligent contract includes the newly-increased service of customer information, customer information safeguard service and customer information Notification of Changes service;Realize can not distorting, encrypting storage, permission access for uplink communications, it can be while ensureing customer information privacy, realize public client's essential information across mechanism, shared on demand, as cell-phone number is shared in operator and government department, operator and interbank.

Description

A kind of customer data management system based on block chain
Technical field
The present invention relates to a kind of customer data management systems based on block chain.
Background technique
Block chain is the Floor layer Technology of bit coin, most delivers topic by middle acute hearing (Satoshi Nakamoto) early in 2008 It is proposed in paper for " a kind of bit coin: point-to-point electronic cash system ".Block chain is a kind of (non-right based on encryption technology Claim encryption, hash algorithm), timestamp, common recognition algorithm, the technologies such as P2P network decentralization distributed electronic account book.Earliest, The it is proposed of block chain is for the digital cash applications such as bit coin, ether mill (next generation's encryption currency and decentralization application platform) Block chain agreement is extended, with the application of intelligent contract, the other kinds of voucher such as stock, security also be can be expressed as Digital asset on block chain.Later, the appearance of various block chains community, autonomy organization, company, block chain further expand therewith Open up the function of intelligent contract, for realizing various businesses logic, and with the technologies such as artificial intelligence, cloud computing, big data, Internet of Things In conjunction with being further applied to the fields such as governance, medical treatment, education, and also constantly extending using starting to enrich.
Block chain is the novel of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm Application model.It by it is all enter chain information (data block) be combined and to be formed in such a way that sequence is connected sequentially in time Linked data structure, and guarantee can not distorting, can not forging and can be traced for all information in a manner of cryptography.Based on block The characteristic of chain can effectively solve the information asymmetry in client information management work, the phases such as leaking data, information are maliciously tampered Close problem.
As banking is deepened reforms, interest rate marketing is promoted, profit of bank reduced space, and banking is faced with competition more Add fierceness.More and more banks are completed operation enterprise-level Management System for Clients Information (Enterprise Customer Information Facility, ECIF) unified management entrance as full row customer information, pass through unified customer ID, concentrate Each dimensional information of managing customer, on-line real-time the means such as is updated to customer information realizes uniformly depositing for customer information substantially Storage is updated and is shown.
Currently, the quickening with financial technology process promotes, block chain technology is able to continue to develop and popularize, especially closely Auspicious wave (Ripple) that phase rises, the two generation block chain technologies such as ether mill (Ethereum), have pushed block chain to the application stage. Block chain explorative research at this stage is unfolded mainly around financial field.In conjunction with the opening of itself, autonomy, it is traceable, Information such as can not distort at the characteristics, be applied well in multiple financial fields, such as across mechanism payment clearance, supply chain finance, Asset securitization, letter of credit etc. are related to the application scenarios participated in many ways and relevant information confidentiality, authenticity are more demanding.
The prior art, to bank client data application, or based on biometrics identification technology, to customer information Identification judgement is carried out, or is all using customer information of bank system as master data, other systems for participating in mechanism are used as from data Node periodically carries out the synchronous mode of major-minor notebook data.Data main in such a way that file transmits, is transferred to other copy sections Point.Data transmission procedure not can guarantee integrality, safety, consistency.Data receiver and data sender generally require fixed Phase carries out comparing and data difference analysis, investigation analysis abnormal data Producing reason, this artificial investigation mistake of dependence Mechanism, easily influence the accuracy of data, or even the problems such as cause loss of learning, reveal and be tampered, seriously affect bank The development of business.
Currently based on the most widely used bit coin of open the Internet block chain, the average trade confirmation time is more than 10 points Clock, transaction needs the confirmation of tens of thousands of common recognition nodes every time, and the expense traded every time is more than 0.01 dollar, and transaction cost is higher.Cause It is anonymous for participating in the verifier of common recognition, however not excluded that 51% risk of attacks that some nodes are caused for collusion reason, it is whole to pacify Quan Xing, timeliness is lower, high expensive.In current financial industry status, each of client information management and information exchange is participated in Between mechanism, there is preliminary common recognition foundation of trust.
Although the ECIF system of each bank realizes the unified management and displaying to current row customer profile data, because Effective verification means are lacked to the authenticity of customer information, customer information update need client to handle to site there are hysteresis qualitys etc. Problem leads to the authenticity, accuracy, the timeliness of update all Shortcomings of customer information, affects based on customer information Correlation analysis decision.
(1) the ECIF system of bank is related to the various aspects attribute of client, including name, gender, type of credential, certificate number Code, phone number, address, occupation, income, affiliated person etc..The typing of every terms of information rely primarily on bank's employee's typing with It checks, automatically means verify the authenticity of information to shortage system, it is difficult to guarantee the accuracy of information;
(2) update of customer information item needs client to send a telegraph site customer service or handle to the site scene of progress, on the one hand believes Breath ground, which updates, has obvious lag, on the one hand due to caused by (1), can not verify the accuracy and authenticity of information after modification;
(3) customer information is between the cross-systems such as multiple banking systems, inside and external structure, it is also possible to which there are data biographies Defeated delay and data inconsistency, customer information maintenance cost and verification cost it is larger, often after a period of time, need into Row full dose compares, and manual analysis, to determine the accurate information of client.One application No. is 201710822611.8 is invented, It provides the customer information access control method and device of a kind of financial information system, by the value of the access control variable with The regular matrix is matched, and is obtained access and is determined result, determines that result accesses control according to access.This method mesh Before be limited only to use inside some banking institution, use scope exist compared with big limitation.It is needed when customer information accesses Share and access is carried out between bank, operator and government department across multiple organizations, such as information, it just can not be dependent on simple The access control based on Variable Control, because of the variable and regular matrix that are stored in inside bank, not can guarantee its not by Distort, other mechanisms be unable to fully trust there are a certain in-house data, therefore not can guarantee critical data accuracy, Safety and consistency.
(4) be related to the association attributes of customer information, in the case where centrally stored, exist by artificially distorted it is improper to obtain A possibility that interests.The marketing system of bank, big data analysis engine are often based upon ECIF offer when carrying out customer analysis Client basic data generates the full side view and correlation marketing program of client in conjunction with the account of bank, product related information, because For (1), (2) bring inaccuracy and lag, leads to the discrepancy of correlation analysis result, affect that whole marketing is movable to be opened Exhibition;Application No. is an inventions of 201611051829.X, and it discloses a kind of customer information processing method and system, method packets It includes and obtains a plurality of customer information from customer information database according to business feature and obtain one or more customer information collection, and The corresponding pass between customer information and user is established according to default allocation rule from a plurality of user information is obtained in customer data base System, organizes together client crowd's information of same or similar shopping preferences according to business feature to obtain customer information collection, will Customer information distributes to the user of acquisition so that customer information flows between users.This patent uses database D BLink's Mode realizes data transmission and the data processing across data source.There are great hidden danger for the mode of this data transmission, if Database manipulation level does not take stringent rights management, probably due to the mistake of program code, database occurs irreversible Data manipulation, data may permanently lose or data modification history can not trace, and there are great risk hidden danger and dangerous Property, it is unable to satisfy security needs of the financial institution to data.Application No. is an inventions of 201710639755.X, propose A kind of multi-functional Management System for Clients Information, mainly comprising client's Self management system and manager's management system.Pass through client Both information management and manager's management system coordinate, the information of common managing customer, realize customer information safety and effectively Property.But in the design of this patent, manager possesses highest permission, even if without client itself authorization, it can also be to client's Information is increased, is modified, is deleted.Even if there is log recording for inquiry, retrospect and audit in operation, but still deposit It is tampered in data, causes business datum that mistake occurs, cause the risk of business economic loss and reputation loss.
(5) critical asset of the customer information as bank, privacy degrees are relatively high, the mode of traditional centralized deployment Limit the ability shared across inter-agency customer information;
(6) ECIF system generallys use active and standby or cluster mode and externally provides real time service, since it concentrates deployment Characteristic causes all customer information relationship tradings (increase, delete, changing, looking into) all to need to converge to the system and handled, often there is one Determine performance bottleneck.
Currently, block chain be mainly used in bank supply chain finance, payment clearance, in terms of, but It is that the application problem for being solved to share across inter-agency customer information using its advantage is but very studied less, in Management System for Clients Information On application do not have relevant patent and literature research also.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of customer data management system based on block chain, realize Can not distorting for uplink communications encrypts storage, permission access, can realize public affairs ensures customer information privacy while Total client's essential information across mechanism, shared on demand, as cell-phone number operator and government department, operator and interbank into Row is shared.
The present invention is implemented as follows: a kind of customer data management system based on block chain, including financial union chain, visitor Family intelligence account book, client intelligent contract and a plurality of participants, the financial union chain are a block chain;
Participant links ingress by corresponding block and is connected to financial union chain, realizes the cochain of customer data, and The inquiry of customer data is realized according to client intelligent account book, client intelligent contract, is increased newly, modifies and is synchronized;
The financial union chain realizes customer data in the participation of setting on the customer data design sectionalised protection lock on chain It circulates between side;
The client intelligent account book includes customer information access authority, newly-increased permission and customer information maintenance permission;
Client intelligent contract includes the newly-increased service of customer information, customer information safeguard service and customer information Notification of Changes clothes Business.
Further, the modification is further specifically: field lock is arranged for each field of data on financial union chain, uses In determining whether to be modified, field automatic lockout after modification, corresponds to the visitor in client intelligent account book according to participant every time Family maintenance of information permission, only when the participant with same or higher customer information maintenance permission has the right to unlock field lock progress Modification.
Further, described newly-increased further specifically: customer data is uploaded to connecing on financial union chain by participant Ingress, when access node receives related data newly-increased request, by call the newly-increased service of intelligent contract customer information and Customer information safeguard service checks whether application organization has newly-increased permission;
If directly refusing without permission;It is no, then it initiates to know together, each node is carried out for common recognition request on financial union chain Operation, if meeting block create-rule, common recognition is reached, and generates block later, records cochain and is synchronized to all nodes on chain, complete At information cochain.
Further, the inquiry is further specifically: when participant needs inquiring customer information, access node is according to intelligence Customer information access authority in energy account book, judges participant, if there is customer information access authority, reads from chain Pertinent customer information feeds back to the participant, completes inquiry, while recording to inquiry transaction, including initiation mechanism, Inquiry content returns the result, and by chained record in the transaction, deposits card as transaction;If there is no customer information access authority, refuse Request.
Further, described to synchronize further specifically: to participate in the system that mechanism is docked with access node and ordered using publication The mode read has subscribed the notice of its customer information change with access authority;
After the newly-increased or update that access node receives customer information on chain is known together successfully, the client of intelligent contract is triggered Information change notifying service, read the access mechanism subscription participation organization information, generate notify and save into block chain by The participation node for participating in mechanism, which is read out, obtains sending out notice information.
Further, triggering when the newly-increased service of the customer information is written into financial union chain for new intelligent account book, inspection Look into whether corresponding mechanism has corresponding customer information item to have corresponding operating right, to new intelligent account if meeting permission Notebook data is known together, and is otherwise then set to new intelligent account book data in vain;
Further, the customer information safeguard service is triggering when new intelligent account book is written into financial union chain, inspection Look into whether corresponding mechanism has corresponding customer information item to have corresponding operating right, to new intelligent account if meeting permission Notebook data is known together, and is otherwise then set to new intelligent account book data in vain.
Further, the customer information Notification of Changes service is newly-increased or modification intelligent account book by financial union chain After knowing together successfully, the participation organization information that access organization data Notification of Changes subscription is read in the service is triggered, is generated corresponding Notification information is written in financial union chain, allows the access node of other mechanisms to read and executes simultaneously operating.
The present invention has the advantage that
(1) block chain technology is utilized, multi-party inter-agency trust problem is efficiently solved, realizes under heterogeneous network across machine The customer profile data of structure is total to be enjoyed;
(2) form based on alliance's chain, by the way that the customer information of multiple departments such as bank, operator, government to be total to It enjoys, improves the timeliness and accuracy of customer information update;
(3) mode of account book is shared using block chain information, with realizing multi-party mechanism multinode message reference alleviates The concurrent pressure of centralized deployment bring central access.
Detailed description of the invention
The present invention is further illustrated in conjunction with the embodiments with reference to the accompanying drawings.
Fig. 1 is schematic network structure of the invention.
Fig. 2 is client information management intelligence contract schematic diagram in the present invention.
Fig. 3 is permission control schematic diagram of the present invention.
Fig. 4 newly-increased, modification process schematic diagram for customer information of the present invention.
Fig. 5 is customer information local synchronization schematic diagram of the present invention.
Specific embodiment
The present invention is based on the customer data management systems of block chain, including financial union chain, client intelligent account book, Ke Huzhi Energy contract and a plurality of participants, the financial union chain are a block chain;
Participant links ingress by corresponding block and is connected to financial union chain, realizes the cochain of customer data, and The inquiry of customer data is realized according to client intelligent account book, client intelligent contract, is increased newly, modifies and is synchronized;
The financial union chain realizes customer data in the participation of setting on the customer data design sectionalised protection lock on chain It circulates between side;
The client intelligent account book includes customer information access authority, newly-increased permission, customer information maintenance permission, Ke Huji This information, customers' credit information, customer account product information, customer information source and ownership, customer information access authority setting, Customer information safeguards priority assignation, customer information service condition etc.
Client intelligent contract includes the newly-increased service of customer information, customer information safeguard service and customer information Notification of Changes clothes Business.
The modification is further specifically: field lock is arranged for each field of data on financial union chain, is for determination No to be modified, field automatic lockout after modification, is tieed up according to the corresponding customer information in client intelligent account book of participant every time Permission is protected, is only modified when the participant with same or higher customer information maintenance permission has the right to unlock field lock.
It is described newly-increased further specifically: customer data is uploaded to the access node on financial union chain by participant, is connect When ingress receives related data newly-increased request, by calling the newly-increased service of intelligent contract customer information and customer information to tie up Whether shield service inspection application organization has newly-increased permission;
If directly refusing without permission;It is no, then it initiates to know together, each node is carried out for common recognition request on financial union chain Operation, if meeting block create-rule, common recognition is reached, and generates block later, records cochain and is synchronized to all nodes on chain, complete At information cochain.
The inquiry is further specifically: when participant needs inquiring customer information, access node is according in intelligent account book Customer information access authority, participant is judged, if there is customer information access authority, relative clients are read from chain Information feeds back to the participant, completes inquiry, while recording to inquiry transaction, including in initiation mechanism, inquiry Hold, return the result, by chained record in the transaction, deposits card as transaction;If there is no customer information access authority, refuse to request.
It is described to synchronize further specifically: the system docked with access node of mechanism is participated in by the way of distribution subscription, Have subscribed the notice of its customer information change with access authority;
After the newly-increased or update that access node receives customer information on chain is known together successfully, the client of intelligent contract is triggered Information change notifying service, read the access mechanism subscription participation organization information, generate notify and save into block chain by The participation node for participating in mechanism, which is read out, obtains sending out notice information.
Triggering when the newly-increased service of the customer information is written into financial union chain for new intelligent account book, checks corresponding machine Whether structure has corresponding customer information item to have corresponding operating right, carries out if meeting permission to new intelligent account book data New intelligent account book data, are otherwise then set in vain by common recognition;
The customer information safeguard service is triggering when new intelligent account book is written into financial union chain, checks corresponding machine Whether structure has corresponding customer information item to have corresponding operating right, carries out if meeting permission to new intelligent account book data New intelligent account book data, are otherwise then set in vain by common recognition.
The customer information Notification of Changes service is that newly-increased or modification intelligent account book is known together successfully by financial union chain Afterwards, the participation organization information that access organization data Notification of Changes subscription is read in the service is triggered, corresponding notification information is generated It is written in financial union chain, allows the access node of other mechanisms to read and execute simultaneously operating.
A kind of specific embodiment of the present invention:
This programme realizes a kind of Management System for Clients Information based on block chain, specifically includes that
The customer information financial union chain (calling financial union chain in the following text) across mechanism is devised, the correlation of different institutions is realized Customer information presses about cochain, shares on chain;
According to the requirement that customer information privacy is protected, customer information sectionalised protection lock is devised on financial union chain, Realize customer information item in the inter-agency circulation of agreement.I.e. based on the agreement between different institutions, with the public key of agreement to correlation Information is encrypted, and pertinent customer information can only can be read with private key decryption rear by the information terminal of corresponding mechanism;
Devise the client information management method based on financial union chain, including customer information authenticity verification scheme, with And user information change management method;
Devise the external service plan of customer information based on financial union chain.
(1) network architecture diagram
As shown in Figure 1, showing that network structure is as follows according to main points as above, financial union chain is related to more participation mechanisms, Including government department, operator, bank, stock trader etc., the access node of response is assigned with for each mechanism.Each participation mechanism is equal It can be linked into corresponding node by corresponding terminal.Because being related to customer information privacy, participant further includes supervision department, is based on The ability of tracing to the source of block chain supervises the service condition of customer information.
Each participates in mechanism and links ingress access financial union chain by the block of distribution.The information system of each mechanism is logical The communication of the SDK packet and access node that call financial union chain to provide is crossed, and then the cochain and phase of realizing customer information are inside the Pass That holds increases newly, modification, synchronizes.The operating procedure of all pairs of customer informations will be all recorded on chain, be supervised convenient for regulatory agency Superintend and direct inspection.
(2) the intelligent account book of customer information and intelligent contract
As shown in Fig. 2, important composition of the intelligent account book as block chain technology, saves uplink data in what manner, Which kind of carry out checking that modification is arranged with permission.
Client intelligent account book includes client's essential information, customers' credit information, customer account product information, customer information Source and ownership, the setting of customer information access authority, customer information maintenance priority assignation, customer information service condition etc..Client Essential information preserves the basic data of client, such as the unified customer ID of full chain, customer name, gender, type of credential, certificate The basic datas such as number, cell-phone number are the basic status symbols of client.Customers' credit information is mainly to embody the personal sign of client The credit rating of situation and interested third party mechanism is believed as a result, being the concentrated reflection of the credit situation of client.Customer account produces Product information is mainly by record client in the assets of the financial institutions such as bank, stock trader, insurance business, debt, the financing of investment, guarantor The information such as the products such as danger.Customer information source and ownership have recorded the provider and user of pertinent customer information item.Client Message reference maintenance permission control define pertinent customer information item access maintenance permission, i.e., which participate in mechanism have permission Access the corresponding customer information item of maintenance.Customer information service condition defines each customer information and increases, deletes, changing, looking into operation need The content to be recorded is tracked for recording customer information by the service condition of different participation mechanisms convenient for regulatory agency Management.
Intelligent contract supports multiple technologies programming language to realize, such as java, javaScript, go etc., participant passes through When SDK carries out customer information relevant operation, SDK has invoked the judgement that intelligent contract correlation function completes logic rules.
Intelligent contract includes the newly-increased service of customer information, customer information safeguard service and customer information Notification of Changes service.
The newly-increased service of customer information, the triggering when new intelligent account book data are written into block chain check corresponding mechanism Whether there is corresponding customer information item to have corresponding operating right, new intelligent account book data are total to if meeting permission Know, new intelligent account book data are otherwise set to invalid (data of the more previous item of insertion, to cover);
Customer information safeguard service, the triggering when new intelligent account book data are written into block chain, checks corresponding mechanism Whether there is corresponding customer information item to have corresponding operating right, new intelligent account book data are total to if meeting permission Know, new intelligent account book data are then otherwise set to invalid (data of the more previous item of insertion, to cover);
Customer information Notification of Changes service, after intelligent account book that is newly-increased or modifying is known together successfully by block chain, triggering The participation organization information of access organization data Notification of Changes subscription is read in the service, generates corresponding notification information write-in block In chain, allows the access node of other mechanisms to read and execute simultaneously operating.
(3) client information management permission controls
Based on intelligent contract provided in upper (two), different clients item of information can be set for different participation mechanisms Set different operating right and access authority.Whether the setting of permission depends primarily on mechanism has authority to related information items Property, i.e., whether can ensure that the authenticity of related information items content.For example, client certificate type, the information of passport NO., portion of government Door has authority, therefore there are the modification of relevant information, newly-increased permission in government department, other, which participate in mechanism, access authority;Client Phone number, operator confirm the service condition of the phone number of client in combination with data, therefore possess relevant maintenance power Limit, other participants possess access authority.The setting of permission is stored in the rule of intelligent account book, when participant is called to asking It asks and is verified.
As shown in figure 3, in this example, mechanism dep1 possesses the search access right of all customer informations, electricity in essential information Talk about the newly-increased and modification authority of field and all customers' credit information, the deletion permission of no customer information.Wherein possess and repairs The authority for changing the field of permission is 5.When access node receives the association requests of participant, school is carried out in conjunction with priority assignation It tests.In addition, being directed to, same field is accessed by more mechanisms and more news, system ensure the standard updated using following mechanism True property.
Each field setting field is locked, and is used to determine whether to be modified, after being updated or safeguarding every time, field adds automatically Lock, mechanism for locking up have the right voluntarily to unlock the field;
The rank of field lock determines that there is same or higher authoritative mechanism to have the right to unlock by the authority of participation mechanism Field lock is updated;
When above-mentioned mechanism ensure that more families equally modify authoritative mechanism and modify to a certain field, with final updating Subject to;It is such as high authoritative because automatic locking meanwhile after a certain field is possessed higher authoritative mechanism and modified Mechanism does not unlock, and low authoritative mechanism can not be modified again, and the accuracy and authority of field information are also ensured with this.
As shown in figure 4, by newly-increased from customer information and modification is to the customer information changing process for combining financial union chain Carry out more careful description.It is as follows that pertinent customer information increases process newly:
The access system that the participation mechanism of customer information item need to be increased newly is called by using the SDK that financial union chain provides incites somebody to action Pertinent customer information item is gone here and there with json and is sent;The encryptions such as SDK wants the data of cochain to be encrypted, and support state is close and international are calculated Method.
When access node receives related data newly-increased request, the newly-increased service of intelligent account book customer information is triggered, checks Shen Please mechanism whether have newly-increased permission;
There is no relevant operation permission such as, directly refuses, then refuse to operate, the block chain data being originally written are by initial data Covering;
If any newly-increased permission, common recognition is initiated.
Each node carries out operation for common recognition request, such as meets Correlation block create-rule, common recognition is reached;
Access node generates block according to feedback, synchronizes with each node, completes information cochain.
When customer information is updated, correlation step increased newly with customer information it is similar, i.e., associated mechanisms call SDK will become The customer information item cochain of change.Customer information safeguard service in intelligent contract judged for mechanism permission, as mechanism without Permission safeguards relevant information, directly refuses.If mechanism has permission maintenance relevant information, access node initiates common recognition, reaches common understanding Afterwards, block is generated, cochain is recorded and is synchronized to all nodes on chain.Rear related information items are synchronously completed to complete to update.
When participation mechanism needs inquiring customer information, by calling the interface of correlation SDK encapsulation, intelligent account book is read Access authority.Access node judges access node, according to the search access right rule formulated in intelligent account book if there is phase Access authority is closed, pertinent customer information is read from chain, feeds back to request mechanism, completes inquiry;Simultaneously to the inquiry trade into Row record, including initiate mechanism, inquiry content, return the result, by chained record in the transaction, card is deposited as transaction, convenient for subsequent Supervision is had access to.
(4) customer information with participate in mechanism from systematic synchronization mechanism
As shown in figure 5, for the normal development that guarantee section participates in the peculiar business of mechanism, it is each to participate in mechanism optionally Locally retain the copy of pertinent customer information at it.In order to guarantee the consistency of data on local data and chain, devise as follows Synchronization mechanism.
The system that participation mechanism is docked with access node has subscribed it with access authority by the way of distribution subscription The notice of customer information change;
After the newly-increased or update that access node receives customer information on chain is known together successfully, the client of intelligent contract is triggered Information change notifying service, read the access mechanism subscription participation organization information, generate notify and save into block chain by The participation node for participating in mechanism, which is read out, obtains sending out notice information;
After the system for participating in mechanism receives notice, pertinent customer information is inquired, query result is updated to this In ground customer information copy.
(5) it is engaged in based on financial union chain to customer service
Management System for Clients Information based on financial union chain to all access mechanisms provide relevant inquiring in its permission, Safeguard service specifically includes that
The mechanism inquiry pertinent customer information item for having access authority is supported, as bank's access client's essential information, account produce Product information etc.;
The facility maintenance pertinent customer information item for having maintenance permission is supported, as operator safeguards Client handset number, government Department safeguards client certificate number etc.;
Refusal participates in mechanism and executes the service of its lack of competence operation and record to operation;
Refuse the access of non-participating mechanism.If alliance's chain is not added for certain enterprise, view accesses chain by its own system Upper data, associated access node access direct rejection.
In addition, unlike concentrating deployment central access from tradition, the Management System for Clients Information based on financial union chain Because customer information the whole network is shared, each access node has a complete customer profile data, thus support to participate in mechanism into Row relevant inquiring, safeguard service.Each mechanism that participates in can access section according to conditions flexible choices such as own service feature, affiliated regions Point increases the efficiency of inquiry.
Although specific embodiments of the present invention have been described above, those familiar with the art should be managed Solution, we are merely exemplary described specific embodiment, rather than for the restriction to the scope of the present invention, it is familiar with this The technical staff in field should be covered of the invention according to modification and variation equivalent made by spirit of the invention In scope of the claimed protection.

Claims (8)

1. a kind of customer data management system based on block chain, it is characterised in that: including financial union chain, client intelligent account Originally, client intelligent contract and a plurality of participants, the financial union chain are a block chain;
Participant links ingress by corresponding block and is connected to financial union chain, realizes the cochain of customer data, and according to Client intelligent account book, client intelligent contract realize the inquiry of customer data, increase newly, modify and synchronize;
The financial union chain on chain customer data design sectionalised protection lock, realize customer data setting participant it Between circulate;
The client intelligent account book includes customer information access authority, newly-increased permission and customer information maintenance permission;
Client intelligent contract includes the newly-increased service of customer information, customer information safeguard service and customer information Notification of Changes service.
2. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the modification Further specifically: field lock is set for each field of data on financial union chain, is used to determine whether to be modified, repair every time Change rear field automatic lockout, permission is safeguarded according to the corresponding customer information in client intelligent account book of participant, only when with phase With or the participant of higher customer information maintenance permission have the right to unlock field lock and modify.
3. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: described newly-increased Further specifically: customer data is uploaded to the access node on financial union chain by participant, and access node receives dependency number When according to newly-increased request, by calling the newly-increased service of intelligent contract customer information and customer information safeguard service inspection application machine Whether structure has newly-increased permission;
If directly refusing without permission;It is no, then it initiates to know together, each node carries out operation for common recognition request on financial union chain, If meeting block create-rule, common recognition is reached, and generates block later, records cochain and is synchronized to all nodes on chain, completes letter Cease cochain.
4. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the inquiry Further specifically: when participant needs inquiring customer information, access node is according to the customer information access right in intelligent account book Limit, judges participant, if there is customer information access authority, pertinent customer information is read from chain, feeds back to described Participant is completed inquiry, while being recorded to inquiry transaction, including initiates mechanism, inquiry content, returns the result, by this Chained record in transaction deposits card as transaction;If there is no customer information access authority, refuse to request.
5. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the synchronization Further specifically:
The system that participation mechanism is docked with access node has subscribed its client with access authority by the way of distribution subscription The notice of information change;
After the newly-increased or update that access node receives customer information on chain is known together successfully, the customer information of intelligent contract is triggered The participation organization information of access mechanism subscription is read in Notification of Changes service, is generated and is notified and save into block chain by participating in The participation node of mechanism, which is read out, obtains sending out notice information.
6. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the client Triggering when the newly-increased service of information is written into financial union chain for new intelligent account book, checks whether corresponding mechanism has corresponding visitor Family item of information has corresponding operating right, knows together if meeting permission to new intelligent account book data, otherwise if will be new Intelligent account book data be set in vain.
7. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the client Triggering when maintenance of information service is written into financial union chain for new intelligent account book, checks whether corresponding mechanism has corresponding visitor Family item of information has corresponding operating right, knows together if meeting permission to new intelligent account book data, otherwise if will be new Intelligent account book data be set in vain.
8. a kind of customer data management system based on block chain according to claim 1, it is characterised in that: the client Information change notifying service is after newly-increased or modification intelligent account book is known together successfully by financial union chain, to trigger service reading The participation organization information that the access organization data Notification of Changes is subscribed to generates in corresponding notification information write-in financial union chain, It allows the access node of other mechanisms to read and executes simultaneously operating.
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Application publication date: 20181221