CN109636569A - A kind of collage-credit data management method and system based on block chain - Google Patents
A kind of collage-credit data management method and system based on block chain Download PDFInfo
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Abstract
The present invention provides a kind of collage-credit data management methods and system based on block chain, wherein the method includes industry users applies for block chain network account to regulatory agency, after completing account application process, industry user's certificate of the industry user is uploaded to the certificate chain in block chain by the regulatory agency, the certificate chain verifies industry user's certificate, after verification passes through, the regulatory agency is by the reference content uploading of consumption user to the reference chain in block chain.Collage-credit data management method and system based on block chain of the invention solves data-privacy in the prior art and protects ineffective technical problem.
Description
Technical field
The present invention relates to reference file administration and computer block chain technology more particularly to a kind of reference based on block chain
Data managing method and system.
Background technique
Constantly deepen as market economy is continued to develop with marketization of the economy, the construction of systems for enterprise and individual credit information will
Scarce a part can not be obtained as social development progress.Thus a kind of new archives form i.e. credibility record are derived,
Credibility record is the inevitable outcome of social development, reinforces the sincere credit problems of enterprises and individuals, so that in global economy one
Under change trend, market economy is promoted to develop in a healthy way.The foundation of credibility record can not only make credit agency effectively screen borrower
The size of credit risk, and can reduce the Information Rent that bank collects from its customers' place.Information Rent refers to lending agency
By a kind of superprofit that itself obtains the monopolization of smb message, the profit of lending agency is equal to the average benefit in market
Profit adds Information Rent；But in the case where information sharing, this superprofit will be not present, and lending agency can only obtain
Market average profit.
Currently, the mode of record credibility record mainly has: major banking institution or the credit information service for having licence plate, by a
When people or enterprise handle loan transaction to it, collected some personal identification attribute informations, contractual capacity, credit record,
Behavioural characteristic, social data, the data of the several respects such as public information.But the credibility record that each mechanism generates is different, again
It is stored separately in the data center of oneself, leads to the serious asymmetry of credit data.Some credit information services are supplied to third
Side's inquiry can only provide individual event inquiry；Internet financing corporation analyzes the probability of cheating loan of user by AI technology, and credit is added
In blacklist list, prevent from cheating loan.But lacking the credit data of the mechanisms such as bank, each side's data cannot circulate mutually, cause
Absence of information；Separately there are some reference domain experts scholars to propose that public chains solve the shared scheme of multi-party credit data, but for
Credibility record has privacy, confidentiality, therefore cannot be placed directly on data on public chain.It is existing as society develops rapidly
Credit information is asymmetric in reference business, data acquisition channel is limited, data-privacy protects ineffective problem further severe.
Summary of the invention
Ineffective technical problem is protected in order to solve collage-credit data in the prior art, the invention proposes one kind to be based on block
The collage-credit data management method and system of chain.
A kind of collage-credit data management method based on block chain, which comprises
Industry user applies for block chain network account to regulatory agency；
After completing account application process, industry user's certificate of the industry user is uploaded to block by the regulatory agency
Certificate chain in chain；
The certificate chain verifies industry user's certificate, and after verification passes through, the regulatory agency is by consumption user
Reference content uploading to the reference chain in block chain.
Further, the industry user could apply for block chain network account after regulatory agency authorization.
Further, industry user's certificate is uploaded to the certificate chain packet in block chain network by the regulatory agency
It includes:
Regulatory agency's certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with regulatory agency
Key of the hash value of ID as regulatory agency on certificate chain；
Industry user's certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with industry user
Key of the hash value of ID as industry user on certificate chain；
Consumption user certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with consumption user
Key of the hash value of ID as consumption user certificate on certificate chain.
Further, after the certificate chain is to industry user's certificate verification, the regulatory agency is by consumption user
Reference content uploading includes: to the reference chain in block chain
The reference content of the consumption user occurred in the industry user is sent to the supervision by the industry user
Reference content is stored in regulatory agency's local server by agency audit authorization, the regulatory agency；
The regulatory agency carries out endorsement signature to the reference content by its private key, forms summary info, and by institute
It states endorsement signature and returns to the industry user.
Further,
After the regulatory agency passes through the reference content auditing, the industry user is by transaction request to block
Reference chain in chain initiates transaction, using the hash value of consumption user ID as the key of reference chain content, wherein the transaction is asked
Ask the reference content comprising consumption user, regulatory agency to the signature and abstract of reference content, the hash value of reference content, supervision
The institution account ID of mechanism ID, the value of reference content and initiation transaction；
Regulatory agency ID in transaction content is parsed by the chain code of reference chain, carries out regulatory agency on across chain reading certificate chain
Certificate；
Block chain verifies the audit authorization of transaction content regulatory agency based on reference chain code, and verifies reference
Content is recorded, content is recorded by verifying and reference and is not tampered with, allows to upload reference content to reference chain.
Further, the industry user goes on an expedition after consumption user authorization, regulatory agency's authorization and certificate chain verification
Believe and consumption user collage-credit data is inquired or downloaded in chain.
Further, the inquiry from reference chain or downloading consumption user collage-credit data include:
Industry user requests inquiry consumption user collage-credit data to regulatory agency；
Regulatory agency requests to authorize to the consumption user, and after obtaining consumption user authorization, what regulatory agency will acquire disappears
Expense authorized user message and regulatory agency's authorization message return to the industry user；
After obtaining consumption user authorization and regulatory agency's authorization, the industry user initiates inquiry transaction, base to reference chain
In reference chain code by the public key of consumption user and regulatory agency on across chain query certificate chain, consumption user and regulatory agency are verified
To the authenticity of industry user authorization；
After the consumption user and regulatory agency verify the authenticity that industry user authorizes by certificate chain, from reference chain
The upper collage-credit data for reading consumption user, returns to industry user's client；
The industry user obtains the collage-credit data of consumption user, reads regulatory agency's certificate on certificate chain, verifying supervision
The credibility of mechanism.
A kind of collage-credit data management system, which is characterized in that the system comprises: client, regulatory agency and block chain,
The block chain includes certificate chain and reference chain, wherein
The client, industry user can apply for block chain network account to the regulatory agency based on the client
Number；
The regulatory agency is used for after completing account application process, will be on industry user's certificate of the industry user
Pass to the certificate chain in the block chain；
The block chain can verify industry user's certificate, after verification passes through, allow the regulatory agency will
The reference content uploading of consumption user is to the reference chain in the block chain.
Further,
The regulatory agency, is additionally configured to:
Regulatory agency's certificate is uploaded on the certificate chain on block chain, and using the hash value of regulatory agency ID described in
The key of regulatory agency on certificate chain；And/or
Industry user's certificate is uploaded on the certificate chain on block chain, and using the hash value of industry user ID as certificate
The key of the industry user on chain；And/or
Consumption user certificate is uploaded on the certificate chain on block chain, and using the hash value of consumption user ID as certificate
The key of consumption user certificate on chain.
Further, the regulatory agency is also used in the reference to the consumption user occurred in the industry user
Appearance carries out audit authorization, and reference content is stored in regulatory agency's local server.
Further, the regulatory agency is also used to carry out endorsement signature to the reference content by its private key, is formed
Summary info, and endorsement signature is returned into the industry user.
Further, the client is also used to initiate transaction to the reference chain in block chain network.
Further, the block chain is also used to the audit authorization based on reference chain code to regulatory agency to transaction content
It is verified, and verifies reference record content, content is recorded by verifying and reference and is not tampered with, allows to upload reference content
To the reference chain.
Further, the client also requests inquiry consumption user sign to regulatory agency based on the requirement of industry user
Letter data.
Other features and advantages of the present invention will be illustrated in the following description, also, partly becomes from specification
It obtains it is clear that understand through the implementation of the invention.The objectives and other advantages of the invention can be by specification, right
Pointed structure is achieved and obtained in claim and attached drawing.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is this hair
Bright some embodiments for those of ordinary skill in the art without creative efforts, can be with root
Other attached drawings are obtained according to these attached drawings.
Fig. 1 shows the flow diagram of collage-credit data management method according to an embodiment of the present invention；
Fig. 2 shows the flow charts that user's registration account according to an embodiment of the present invention and regulatory agency upload certificate；
Fig. 3 shows the flow diagram that industry user according to an embodiment of the present invention uploads reference content；
Fig. 4 shows the flow chart that industry user A according to embodiments of the present invention uploads reference content；
Fig. 5 shows the flow diagram of industry user's inquiry according to an embodiment of the present invention or downloading collage-credit data；
Fig. 6 shows the consumption user that industry user B inquiry or downloading industry user A are uploaded according to embodiments of the present invention
The flow chart of collage-credit data；
Fig. 7 shows the structural schematic diagram of collage-credit data management system according to an embodiment of the present invention.
Specific embodiment
In order to make the object, technical scheme and advantages of the embodiment of the invention clearer, below in conjunction with the embodiment of the present invention
In attached drawing, technical solution in the embodiment of the present invention clearly and completely illustrated, it is clear that described embodiment is
A part of the embodiment of the present invention, instead of all the embodiments.Based on the embodiments of the present invention, those of ordinary skill in the art
Every other embodiment obtained without making creative work, shall fall within the protection scope of the present invention.
Fig. 1 shows the flow diagram of collage-credit data management method according to an embodiment of the present invention, as shown, described
Method include: first industry user to regulatory agency apply block chain network account；Then after completing account application process, institute
State the certificate chain that regulatory agency uploads to industry user's certificate of the industry user in block chain；The certificate chain is to described
The verification of industry user's certificate, after verification passes through, the regulatory agency is by the reference content uploading of consumption user into block chain
Reference chain.Wherein, industry user applies for that block chain network, which is added, to be authorized by regulatory agency, and after being authorized, industry is used
It family could be to regulatory agency's digital certificate authentication center application for registration block chain network account.The embodiment of the present invention is based on block chain
Multichannel strategy realize multichain across chain link to carrying out inquiry operation, pass through the industry user in block chain network only
Network could be accessed by crossing authorization, solve the supervision problem used for collage-credit data.
Industry user completes account application process, and after obtaining block chain network account, regulatory agency needs to use industry
Industry user's certificate at family uploads to the certificate chain in block chain；In addition to this, regulatory agency also needs regulatory agency's certificate
And consumption user certificate uploads to the certificate chain in block chain, certificate data that is abundant and improving certificate chain.Fig. 2 shows bases
The user's registration account of the embodiment of the present invention and regulatory agency upload the flow chart of certificate, as shown, consumption user and through awarding
The industry user of power by client in regulatory agency's digital certificate authentication center application for registration block chain network account, use by consumption
Family and industry user obtain the private key and certificate of oneself from regulatory agency's digital certificate authentication center, and regulatory agency obtains and saves
Consumption user certificate and industry user's certificate, consumption user and industry user then save the private key of oneself, meanwhile, regulatory agency
Possess and save the private key of oneself；Then, regulatory agency is by respective certificate, i.e., regulatory agency's certificate, industry user's certificate and disappears
Expense user certificate uploads to the certificate chain in block chain, and using the hash value of regulatory agency ID as regulatory agency on certificate chain
Key (key assignments), add using the hash value of industry user ID as the key of industry user on certificate chain and with consumption user name
Key of the hash value for the consumption user ID that identification card number is constituted as consumption user certificate on certificate chain.Through the above way will
The certificate information of user forms desensitization data, protects privacy of user.Wherein, key refers to the meaning of key.Due to being demonstrate,proved in block chain
The data of book chain and reference chain are stored in the form of key or value, and regulatory agency, industry user or consumption user are all gathered around
There is the key for representing itself, and can inquire the data of the storage in block chain by key, comprising: regulatory agency is in block
Industry user's upload is inquired by the key of industry user in chain and uses the data of collage-credit data, industry user in block chain
The collage-credit data of consumption user is inquired by the key of consumption user or consumption user is inquired in block chain by the key of oneself
The collage-credit data of itself.
The industry user for obtaining block chain network account possesses the right for uploading reference record, and Fig. 3 is shown according to this hair
The industry user of bright embodiment uploads the flow diagram of reference content, as shown, upload collage-credit data includes:
Step 1: the reference content of the consumption user occurred in industry user is sent to regulatory agency and examined by industry user
Reference content is stored in regulatory agency's local server by meter authorization, regulatory agency；
Step 2: regulatory agency carries out endorsement signature to reference content by its private key, forms summary info, and will endorsement
Signature returns to industry user；
Step 3: after regulatory agency passes through the audit of reference content, industry user is by transaction request in block chain
Reference chain initiate transaction, using the hash value of consumption user ID as the key of reference chain content, wherein the transaction request packet
Reference content, regulatory agency containing consumption user are to the signature and abstract of reference content, the hash value of reference content, regulatory agency
The institution account ID of ID, the value of reference content and initiation transaction；
Step 4: regulatory agency ID in transaction content is parsed by the chain code of reference chain, is carried out on across chain reading certificate chain
Regulatory agency's certificate；
Step 5: block chain verifies the audit authorization of transaction content regulatory agency based on reference chain code, and
It verifies reference and records content, content is recorded by verifying and reference and is not tampered with, allow to upload reference content to reference chain.
Illustratively, as Fig. 4 shows the specific flow chart that industry user A uploads reference content.As shown, firstly,
Industry user A requests endorsement signature to regulatory agency by client, and the reference content of user is sent to regulatory agency and is examined
Reference content can be stored in local server by meter authorization, regulatory agency；Then, regulatory agency is by its private key in reference
Appearance carries out endorsement signature, forms summary info, and endorsement signature is returned to industry user A by client；Then, in reference
Hold by the way that after audit, industry user A initiates transaction to the reference chain in block chain, adds identification card number to be constituted with consumption user name
Consumption user ID key of the hash value as reference chain content, wherein transaction content includes to slough disappearing for user sensitive information
Expense family reference content, regulatory agency are to the signature and abstract of reference content, the hash value of reference content, regulatory agency I D, sign
Believe the value of content and initiates the institution account ID of transaction；Transaction content kind regulatory agency I is parsed by the chain code of reference chain
D carries out regulatory agency's certificate on across chain reading certificate chain；Finally, block chain is based on reference chain code, across chain acquisition regulatory agency card
Book verifies the reference content that uploads of needs, i.e., reference content whether really by the audit authorization of regulatory agency and
Whether reference content is tampered, and is verified, and allows to upload reference content to the reference chain in block chain.Of the invention real
During applying industry user's upload reference content, the record authorization by certificate chain to industry user's certificate and reference content
Verified, after only verification passes through, regulatory agency just by the reference content uploading of consumption user to the reference chain in block chain,
It effectively prevents industry user's malice and uploads rubbish contents, improve collage-credit data management work efficiency.
The consumption user credit data occurred in respective mechanism is uploaded to reference chain by industry user, so that in block chain
A industry user can share user's collage-credit data.Collage-credit data management method through the embodiment of the present invention, industry user can
To inquire or download according to their needs the collage-credit data of consumption user in block chain, consumption user can also inquire oneself
Reference archives.It should be noted that industry user freely can inquire or download the consumption user that mechanism uploads from reference chain
Collage-credit data, but the consumption user collage-credit data or consumption user of the inquiry of industry user's platform or downloading other industry user upload
The collage-credit data for inquiring or downloading oneself then needs to collect corresponding expense, and reimbursement of expense, which is given, uploads the consumption user collage-credit data
Industry user, correlative charges are executed according to the related charging standard that price department ratifies.
Industry user can look into after consumption user authorization, regulatory agency's authorization and certificate chain verification from reference chain
It askes or the collage-credit data of downloading consumption user, Fig. 5 shows industry user's inquiry according to an embodiment of the present invention or downloading reference
The flow diagram of data.As shown, industry user's inquiry or downloading collage-credit data include:
Step 1: industry user requests inquiry consumption user collage-credit data to regulatory agency；
Step 2: regulatory agency requests to authorize to the consumption user, and after obtaining consumption user authorization, regulatory agency will be obtained
The consumption user authorization message and regulatory agency's authorization message taken returns to the industry user；
Step 3: after obtaining consumption user authorization and regulatory agency's authorization, the industry user initiates to inquire to reference chain
Transaction verifies consumption user and supervision based on the public key of consumption user and regulatory agency on across the chain query certificate chain of reference chain code
The authenticity that mechanism authorizes the industry user；
Step 4: after the consumption user and regulatory agency verify the authenticity that industry user authorizes by certificate chain,
The collage-credit data that consumption user is read from reference chain, returns to industry user's client；
Step 5: the industry user obtains the collage-credit data of consumption user, reads regulatory agency's certificate on certificate chain, tests
Demonstrate,prove the credibility of regulatory agency.The embodiment of the present invention is effectively protected by accessing collage-credit data information in reference chain authorizedly
The right of privacy for having protected user realizes the supervision that regulatory agency uses industry user collage-credit data；And pass through verifying supervision
The credibility of mechanism, has ensured the true and reliable of collage-credit data, industry user can further to consumption user collage-credit data into
Row air control analysis, and then judge whether it is user and the credit services such as offer a loan.
Illustratively, the consumption user reference number that Fig. 6 shows industry user B inquiry and/or downloading industry user A is uploaded
According to flow chart.As shown, firstly, certain consumption user that industry user B requests inquiry industry user A to upload to regulatory agency
Collage-credit data, regulatory agency request to authorize after receiving request to consumption user；After the signature authorization message for obtaining consumption user, prison
Consumption user authorization and regulatory agency's authorization are returned to industry user B by pipe mechanism；Then, consumption user and supervisor are obtained
After the authorization of structure, industry user B initiates inquiry transaction to reference chain, and transaction content is the A.L.S. of consumption user and regulatory agency
Breath, consumption user name add the I D of identification card number, and reference chain code passes through consumption user and regulatory agency on across chain query certificate chain
Public key, the authenticity authorized to consumption user and regulatory agency to industry user verifies；After being verified, from reference chain
The upper collage-credit data for reading consumption user, returns to industry user's B client for collage-credit data, and chain code can be automatically from industry
User's B account ID is given to the corresponding expense of industry user A account ID；Finally, industry user B obtains the reference number of consumption user
According to, and regulatory agency certificate of the collage-credit data on certificate chain is read, further verify the credibility of regulatory agency.
On the basis of above-mentioned collage-credit data management method, the embodiment of the present invention also provides a kind of collage-credit data management system
System, the system comprises: client, regulatory agency and block chain pass through net between the client, regulatory agency and block chain
Network connection, Fig. 7 show the structural schematic diagram of collage-credit data management system according to an embodiment of the present invention.As shown, described
Client is used for: consumption user and industry user are to regulatory agency's application block chain network account, the requirement based on industry user
Obtain upload, inquiry or the authorization of downloading consumption user collage-credit data to regulatory agency's application and uploaded to the initiation of reference chain,
The transaction of inquiry or downloading.
The regulatory agency is the mechanism with ability to supervise for being set up or being authorized by government department, in collage-credit data management
There is absolute permission in system, the record that industry user uses consumption user collage-credit data can be inquired, and regulatory agency has
There is the exclusive control of certificate chain, certificate chain can be initiated to upload transaction.In collage-credit data management system, regulatory agency and
Industry user is borne by the responsibility for storing data, includes accounting nodes, uploads for storing regulatory agency and industry
Data have the regulatory agency of technical capability and industry user that can possess multiple accounting nodes.It should be noted that the industry is used
Family includes banking system, auto metal halide lamp mechanism, little Dai company and internet financial institution, can be in collage-credit data management system
The reference record for uploading, inquiring or downloading consumption user；The consumption user includes the enterprise of natural person and constituted by law, is only gathered around
There is the right for checking itself reference archives.The regulatory agency is used for: after completing account application process, by industry user's certificate
The certificate chain in the block chain is uploaded to, and regulatory agency's certificate and consumption user certificate are also uploaded to the card in block chain
Book chain；Audit authorization is carried out to the reference content of the consumption user occurred in the industry user, and reference content is saved
Endorsement signature is carried out to the reference content in regulatory agency's local server, and through regulatory agency's private key, is formed
Summary info, and endorsement signature is returned into the industry user.Wherein, regulatory agency uploads regulatory agency's certificate, row
Industry user certificate and consumption user certificate are into the certificate chain, using the hash value of regulatory agency ID as supervisor in certificate chain
The key of structure is made using the hash value of industry user ID as the key of industry user in certificate chain with the hash value of consumption user ID
For the key of consumption user certificate in certificate chain.
The block chain includes certificate chain and reference chain, and the data in block chain only allow machine different in block catenary system
Structure is written and read and sends transaction, and records transaction data jointly.Block chain is used to verify industry user's certificate,
After verification passes through, allow the regulatory agency by the reference content uploading of consumption user into the reference chain；And based on sign
Letter chain code verifies regulatory agency to the audit authorization of transaction content, and verifies reference record content, by verifying and levying
Letter record content is not tampered with, and allows to upload reference content into the reference chain.The certificate chain is connected by across chain technology
Reference chain uploads for regulatory agency and stores regulatory agency's certificate, industry user and consumption user certificate.It is only deposited on certificate chain
There is certificate information, and only regulatory agency has permission to certificate chain initiation upload transaction；The reference chain is for storing through supervising
Consumption user collage-credit data of the generation that industry user after the authorization of pipe mechanism and certificate chain verification uploads in mechanism, with full
The demand of sufficient industry user and consumption user inquiry or downloading collage-credit data.
The embodiment of the present invention uses block chain network multichain strategy, i.e. certificate chain and reference chain, forms collage-credit data management
Consumption user, industry user's certificate and regulatory agency's certificate are uploaded to the certificate chain in block chain by system, and industry user need to lead to
Collage-credit data could be uploaded to reference chain after crossing certificate chain verification, and industry user need to pass through consumption user authorization, supervisor
Collage-credit data could be inquired or be downloaded to structure authorization and certificate chain verification.The embodiment of the present invention not only reduces collage-credit data receipts
The cost for collecting, handling and using allows collage-credit data to share, intercourse in each great institutions and trusts each other, and improves acquisition
The efficiency of the collage-credit data of consumption user solves the problems, such as " information island "；And solve the effective of collage-credit data upload
Property problem, protects the right of privacy of user and the custodial right of reference supervision department.
Although the present invention is described in detail referring to the foregoing embodiments, those skilled in the art should manage
Solution: it is still possible to modify the technical solutions described in the foregoing embodiments, or to part of technical characteristic into
Row equivalent replacement；And these are modified or replaceed, various embodiments of the present invention technology that it does not separate the essence of the corresponding technical solution
The spirit and scope of scheme.
Claims (14)
1. a kind of collage-credit data management method based on block chain, which comprises
Industry user applies for block chain network account to regulatory agency；
After completing account application process, the regulatory agency uploads to industry user's certificate of the industry user in block chain
Certificate chain；
The certificate chain verifies industry user's certificate, and after verification passes through, the regulatory agency is by the sign of consumption user
Believe content uploading to the reference chain in block chain.
2. management method according to claim 1, which is characterized in that the industry user authorizes by the regulatory agency
Afterwards, it could apply for block chain network account.
3. management method according to claim 1, which is characterized in that the regulatory agency will be on industry user's certificate
The certificate chain passed in block chain network includes:
Regulatory agency's certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with regulatory agency ID's
Key of the hash value as regulatory agency on certificate chain；
Industry user's certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with industry user ID's
Key of the hash value as industry user on certificate chain；
Consumption user certificate is uploaded and is stored on the certificate chain on block chain by the regulatory agency, and with consumption user ID's
Key of the hash value as consumption user on certificate chain.
4. management method according to claim 1, which is characterized in that the certificate chain verifies industry user's certificate
Afterwards, the reference content uploading of consumption user is included: by the regulatory agency to the reference chain in block chain
The reference content of the consumption user occurred in the industry user is sent to the regulatory agency by the industry user
Reference content is stored in regulatory agency's local server by audit authorization, the regulatory agency；
The regulatory agency carries out endorsement signature to the reference content by its private key, forms summary info, and by the back
Bookmark name returns to the industry user.
5. management method according to claim 4, which is characterized in that
After the regulatory agency passes through the reference content auditing, the industry user is by transaction request in block chain
Reference chain initiate transaction, using the hash value of consumption user ID as the key of reference chain content, wherein the transaction request packet
Reference content, regulatory agency containing consumption user are to the signature and abstract of reference content, the hash value of reference content, regulatory agency
The institution account ID of ID, the value of reference content and initiation transaction；
Regulatory agency ID in transaction content is parsed by the chain code of reference chain, carries out regulatory agency's card on across chain reading certificate chain
Book；
Block chain verifies the audit authorization of transaction content regulatory agency based on reference chain code, and verifies reference record
Content records content by verifying and reference and is not tampered with, and allows to upload reference content to reference chain.
6. management method according to claim 1, which is characterized in that the management method further includes,
The industry user by consumption user authorization, regulatory agency authorization and certificate chain verification after from reference chain inquiry or under
Carry consumption user collage-credit data.
7. management method according to claim 6, which is characterized in that described that consumption user is inquired or downloaded from reference chain
Collage-credit data includes:
Industry user requests inquiry consumption user collage-credit data to regulatory agency；
Regulatory agency requests to authorize to the consumption user, and after obtaining consumption user authorization, the consumption that regulatory agency will acquire is used
Family authorization message and regulatory agency's authorization message return to the industry user；
After obtaining consumption user authorization and regulatory agency's authorization, the industry user initiates inquiry transaction to reference chain, based on sign
Believe public key of the chain code by consumption user and regulatory agency on across chain query certificate chain, verifies consumption user and regulatory agency to institute
State the authenticity of industry user's authorization；
After the consumption user and regulatory agency verify the authenticity that industry user authorizes by certificate chain, read from reference chain
The collage-credit data of cancellation fee user returns to industry user's client；
The industry user obtains the collage-credit data of consumption user, reads regulatory agency's certificate on certificate chain, verifies regulatory agency
Credibility.
8. a kind of collage-credit data management system, which is characterized in that the system comprises: client, regulatory agency and block chain, institute
Stating block chain includes certificate chain and reference chain, wherein
The client, industry user can apply for block chain network account to the regulatory agency based on the client；
The regulatory agency, for after completing account application process, industry user's certificate of the industry user to be uploaded to
Certificate chain in the block chain；
The block chain can verify industry user's certificate, after verification passes through, allow the regulatory agency that will consume
The reference content uploading of user is to the reference chain in the block chain.
9. management system according to claim 8, which is characterized in that
The regulatory agency, is additionally configured to:
Regulatory agency's certificate is uploaded on the certificate chain on block chain, and using the hash value of regulatory agency ID as the certificate
The key of Lian Shang regulatory agency；And/or
Industry user's certificate is uploaded on the certificate chain on block chain, and using the hash value of industry user ID as certificate chain on
The key of the industry user；And/or
Consumption user certificate is uploaded on the certificate chain on block chain, and using the hash value of consumption user ID as certificate chain on
The key of consumption user.
10. management system according to claim 8 or claim 9, which is characterized in that
The regulatory agency is also used to carry out the reference content of the consumption user occurred in the industry user audit and awards
Power, and reference content is stored in regulatory agency's local server.
11. management system according to claim 10, which is characterized in that
The regulatory agency is also used to carry out endorsement signature to the reference content by its private key, forms summary info, and will
The endorsement signature returns to the industry user.
12. management system according to claim 8, which is characterized in that
The client is also used to initiate transaction to the reference chain in block chain network.
13. management system according to claim 8, which is characterized in that
The block chain is also used to verify the audit authorization of transaction content the regulatory agency based on reference chain code,
And reference record content is verified, content is recorded by verifying and reference and is not tampered with, allows to upload reference content to the reference
Chain.
14. management system according to claim 8, which is characterized in that
The client is also used to the requirement based on industry user to regulatory agency and requests inquiry consumption user collage-credit data.
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