CN109993527B - Block chain-based architecture method of personal credit investigation system - Google Patents
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Abstract
The invention belongs to the field of block chain technology application, and discloses an architecture method of a block chain-based personal credit investigation system, which comprises the steps of establishing an identity management system, performing identity authentication service on all credit investigation nodes, entering the credit investigation nodes of a personal credit investigation main system to register identity information, and acquiring corresponding digital identity certificates and private keys by the credit investigation nodes after successful registration; establishing a personal credit investigation main system, and performing data acquisition, data analysis and credit investigation report generation in personal credit investigation service; the credit investigation network formed by the personal credit investigation main system carries out specific business service through an intelligent contract; and inquiring the personal credit investigation report, namely inquiring the personal credit investigation information and credit score by applying an inquiry interface provided by a personal credit investigation main system. The invention utilizes two-stage credit investigation network design to realize full sharing of credit investigation data in credit investigation organizations, completes primary credit scoring fusion between the organizations and ensures the safety of sensitive credit investigation data.
Description
Technical Field
The invention belongs to the field of block chain technology application, and particularly relates to a block chain-based architecture method of a personal credit investigation system.
Background
Currently, the closest prior art:
the personal credit investigation means that a personal credit investigation institution established by law collects and processes personal credit information, provides activities of personal credit information inquiry and evaluation service according to user requirements, the credit investigation institution processes and sorts the information collected by law according to law, and finally provides personal credit history records to legal information inquirers according to law to form a personal credit report.
In the research of the blockchain technology, the digital currency system is expanded to deeper application from the initial simple construction. The characteristics of block chain network decentralization, non-falsification of stored data, block chain consensus and the like can be realized by constructing a complete block chain personal credit system. By combining the blockchain technique with a specific application scenario, a solution can be provided for key problems existing in the current business scenario.
The article "Bitcoin: A Peer-to-Peer Electronic case System" originally proposed the implementation of digital asset application based on blockchain technology, and the underlying blockchain technology ensured that the transaction data could not be tampered with. But only public link networks which are completely going to the center can be realized, and more complex application scenarios of the alliance link cannot be supported.
The article "A Distributed Operating System for licensed blocks" proposes a block chain architecture with more universality, and provides a more complete solution for the application scenario of the alliance chain. But it is only proposed as a kind of blockchain framework, and the specific application scenario needs to be designed based on the framework.
In summary, the problems of the prior art are as follows:
(1) In the prior art, a block chain personal credit investigation system is not constructed, so that the authenticity of credit investigation data in each stage of data acquisition, data analysis and credit investigation report generation cannot be guaranteed.
(2) In the prior art, distributed acquisition of credit data is realized and consensus on a scoring model is ensured at the same time without a distributed block chain architecture design.
(3) The prior art cannot design a two-layer credit investigation network, so that the safety of sensitive data in credit investigation organization cannot be ensured when credit investigation data is shared, and the problem of sensitive credit investigation data leakage is caused while the authenticity of a personal credit investigation data source to a terminal is realized.
The difficulty of solving the technical problems is as follows:
(1) The individual credit investigation system is constructed based on the block chain technology, and the characteristics of decentralization and data storage non-tampering of the individual credit investigation system can be ensured only by realizing a complete block chain infrastructure.
(2) Based on the distributed blockchain architecture design, a blockchain credit investigation network and a credit score intelligent contract need to be actually designed for a personal credit investigation application scene.
(3) Based on the design of two-layer credit investigation network, the credit investigation organization needs to ensure the security of sensitive data of each credit investigation organization while ensuring the credit investigation data sharing among the credit investigation organizations.
The significance of solving the technical problems is as follows:
(1) The block chain technology-based personal credit investigation system is realized, and the authority of the credit investigation report can be greatly improved while the authenticity of credit investigation data is ensured.
(2) Based on the distributed block chain architecture design, the independence of the credit investigation platform can be effectively enhanced, and the problem of self-taking and self-using of credit investigation data of the credit investigation platform is avoided.
(3) Based on the two-layer credit investigation network design, the problem of 'information isolated island' between credit investigation platforms can be effectively relieved, and the safety of sensitive data inside the platforms is ensured while the sharing of credit investigation data is realized.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides an architecture method of a personal credit investigation system based on a block chain. The invention establishes a complete block chain infrastructure, takes the credit investigation nodes as block chain link points to form a credit investigation network, and realizes the acquisition of credit investigation data, the analysis of the credit investigation data and the generation of a credit investigation report through an intelligent contract technology. The invention is composed of a personal credit investigation main system, an identity management system and a credit investigation report inquiry application. The invention provides a solution for establishing a credible personal credit investigation system for a credit investigation structure by constructing a complete block chain personal credit investigation system.
The invention is realized in such a way that a block chain-based architecture method of a personal credit investigation system comprises the following steps:
establishing an identity management system, performing identity authentication service on all credit investigation nodes, entering the credit investigation nodes of the personal credit investigation main system to register identity information, and acquiring corresponding digital identity certificates and private keys by the credit investigation nodes after successful registration to realize identity management of the credit investigation nodes by an administrator node;
establishing a personal credit investigation main system, and carrying out data acquisition, data analysis and credit investigation report generation in the personal credit investigation service; the credit investigation network formed by the personal credit investigation main system carries out specific service through an intelligent contract, realizes a block chain-based personal credit investigation background system, and provides distributed data acquisition, data analysis and credit investigation report generation services for credit investigation nodes;
and inquiring the personal credit investigation report, namely inquiring the personal credit investigation information and credit score by applying an inquiry interface provided by a personal credit investigation main system, so as to realize the inquiry service of the personal user on the credit investigation result.
Further, the architecture method of the block chain-based personal credit investigation system specifically includes:
the method comprises the steps of firstly, building a block chain foundation framework, building the block chain foundation framework, wherein the block chain foundation framework comprises a data layer block chain account book structure, a network layer P2P communication mechanism, a common identification layer block chain common identification mechanism and a contract layer intelligent contract deployment mechanism, building an identity management system, and registering identity information for all credit investigation block chain nodes;
secondly, building a block chain credit investigation network, wherein the block chain credit investigation network consists of all credit investigation node entities; the block chain credit investigation network comprises a primary credit investigation network and an advanced credit investigation network; the primary credit investigation network is used for scoring primary credit, and reporting the primary credit investigation score to the advanced credit investigation network through the anchoring credit investigation node to perform fusion of a plurality of primary credit investigation scores;
thirdly, generating a credit investigation intelligent contract, and processing data in a block chain contract layer according to different stages of data processing of specific credit investigation business;
fourthly, a credit investigation report is generated, and the credit investigation report is finally generated in the advanced credit investigation network and comprises personal credit investigation information and personal credit score; personal credit investigation information is acquired into a credit investigation system in a customized manner through credit investigation nodes, and after personal credit investigation is completed by primary credit investigation in each primary credit investigation network, the primary credit investigation is reported to a high-grade credit investigation network through an anchoring node;
fifthly, constructing a credit investigation interface, wherein the personal credit investigation main system provides a personal credit investigation report result for the investigation application; through the personal credit investigation information inquiry interface and the personal credit scoring inquiry interface which are arranged on the inquiry interface, after the personal user logs in and inquires the application identity authentication, the personal credit investigation main system is accessed to obtain the credit investigation report.
Further, in the first step, identity information is registered for all credit investigation nodes by means of an identity management system, and identity management is carried out on the credit investigation nodes in the block chain system according to the identity.
Furthermore, the block chain credit investigation network in the second step comprises a primary credit investigation network which consists of common credit investigation nodes and has a plurality of primary credit investigation networks;
the advanced credit investigation network consists of the anchored credit investigation nodes selected from the primary credit investigation network and is used for generating a final credit investigation report.
Further, in the third step, different credit investigation intelligent contracts are adopted in different stages of credit investigation data processing, and the intelligent contracts are deployed in each block chain credit investigation network; the credit scoring model comprises a plurality of credit scoring dimensions, and different credit indexes are subdivided under each credit scoring dimension; if under the identity credit dimension, including credit index A1, A2, A3, the credit score model includes:
alpha represents the probability value of the existence of a good user in a certain credit index under the former model;
the number of good users under the credit index A1 is A1, the number of bad users is a2, and the probability of the good users existing under the index A1 is expressed as
The formula is expressed as:
mu represents the weight of each credit index in each credit dimension, and the formula is as follows:
p represents the proportion of the credit dimension in the final credit score, and the proportion of the identity characteristic credit dimension is P 1 M represents the total credit score;
γ represents the final credit score for the individual user, and is formulated as:
the invention also aims to provide a block chain-based personal credit investigation system built by the block chain-based personal credit investigation system architecture method.
The invention also aims to provide a personal credit investigation network terminal built by utilizing the architecture method of the block chain-based personal credit investigation system.
In summary, the advantages and positive effects of the invention are:
by constructing the block chain personal credit investigation system, the invention ensures the authenticity of credit investigation data while realizing the functional application of the personal credit investigation system, improves the independence of credit investigation platforms and effectively relieves the information isolated island problem among the credit investigation platforms.
In the prior art, the personal credit investigation system cannot ensure the authenticity of credit investigation data in all stages of data acquisition, data analysis and credit investigation report generation. The system is based on the block chain system architecture, and can effectively ensure the data authenticity of closed loops of credit investigation data from a source to a terminal.
In the prior art, a credit investigation mode of credit investigation data self-taking and self-using is commonly adopted in an individual credit investigation system, and the independence of a credit investigation platform is greatly weakened. The system collects credit investigation data through a distributed block chain mechanism and a distributed block chain network, and credit investigation nodes in the same credit investigation network perform credit investigation data analysis based on a consensus intelligent contract, so that the consensus of data analysis is ensured while distributed data collection is realized.
In the prior art, due to the requirement of ensuring the security of sensitive data, the individual credit investigation system is difficult to truly realize the sharing of credit investigation data, thereby causing the problem of information isolated island. The system is based on a block chain channel technology, realizes two layers of credit investigation networks, realizes sharing of credit investigation data in a primary credit investigation network, and only performs fusion calculation on processed credit investigation data in an advanced credit investigation network, thereby avoiding the problem of 'information isolated island'.
Drawings
Fig. 1 is an overall architecture diagram of a block chain-based personal credit investigation system provided by an embodiment of the invention.
Fig. 2 is a data collection intelligent contract algorithm provided by an embodiment of the present invention.
Fig. 3 is a credit scoring intelligent contract algorithm provided by an embodiment of the invention.
Fig. 4 is a score fusion intelligent contract algorithm provided by an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the following embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and do not limit the invention.
In the prior art, a block chain personal credit investigation system is not constructed, so that the authenticity of credit investigation data in each stage of data acquisition, data analysis and credit investigation report generation cannot be guaranteed. In the prior art, two layers of credit investigation networks are not designed, so that the safety of sensitive data in credit investigation organization cannot be ensured when credit investigation data is shared.
To solve the above problems, the present invention will be described in detail with reference to specific embodiments.
As shown in fig. 1, an architecture method of a personal credit investigation system based on a block chain according to an embodiment of the present invention includes:
establishing an identity management system: the identity management system provides identity authentication service for all credit investigation nodes, all credit investigation nodes entering the personal credit investigation main system need to register identity information, and the credit investigation nodes after successful registration acquire corresponding digital identity certificates and private keys.
Building a personal credit main system: the main system for personal credit investigation consists of credit investigation nodes, and completes data acquisition, data analysis and credit investigation report generation in the personal credit investigation service. The personal credit investigation main system is also a block chain system, a credit investigation network is formed by credit investigation nodes, and specific service functions are realized through intelligent contracts.
Implementing a personal credit report query application: the personal credit investigation report inquiry application completes the inquiry function of the personal credit investigation information and credit score based on an inquiry interface provided by the personal credit investigation main system.
As a preferred embodiment, the block chain-based architecture method of the personal credit investigation system specifically comprises the following steps:
(1) Designing a block chain infrastructure: the well-built block chain infrastructure comprises a data layer block chain account book structure, a network layer P2P communication mechanism, a consensus layer block chain consensus mechanism and a contract layer intelligent contract deployment mechanism. In addition, a complete identity management system needs to be established to register identity information for all credit investigation block chain nodes;
(2) Designing a block link credit investigation network: the block link credit investigation network is composed of all credit investigation node entities. In this scheme, the block link credit investigation network is divided into two layers: the primary credit investigation network consists of general credit investigation nodes, and a plurality of primary credit investigation networks exist generally; the advanced credit investigation network consists of the anchored credit investigation nodes selected from the primary credit investigation network, and a final credit investigation report is generated in the advanced credit investigation.
(3) And (3) credit investigation intelligent contract design: the credit investigation intelligent contract is a data processing logic which is realized in a block chain contract layer according to different stages of specific credit investigation service data processing. According to the scheme, different credit investigation intelligent contracts are required to be adopted at different stages of credit investigation data processing, and the intelligent contracts are deployed in each block chain credit investigation network. The credit scoring model comprises several credit scoring dimensions, and each credit scoring dimension is subdivided into different credit indexes. For example, under the credit dimension of the identity characteristics, the credit score model includes credit indicators A1, A2, A3, and the like, and the general credit score model is designed as follows:
alpha represents the probability value of the presence of a "good" user in some credit indicator under the previous model. If the number of "good" users under the credit index A1 is A1 and the number of "bad" users is a2, the probability that the "good" users exist under the index A1 is represented as
The formula is expressed as:
mu represents the weight of each credit index in each credit dimension, and is expressed by the formula:
p represents the proportion of the credit dimension in the final credit score, e.g. the proportion of the identity credit dimension is P 1 M represents the credit score total score.
γ represents the individual user's final credit score, formulated as:
(4) Design of credit report: the credit investigation report is finally generated in an advanced credit investigation network and mainly comprises two parts of personal credit investigation information and personal credit score. The personal credit investigation information is collected into the credit investigation system in a customized way through the credit investigation node, and after the personal credit investigation score is completed in each primary credit investigation network, the primary credit investigation score is reported to the advanced credit investigation network through the anchoring node to be completed.
(5) Designing a credit investigation interface: the personal credit investigation main system is used as a background of the credit investigation report inquiry application and provides a personal credit investigation report result for the inquiry application. The inquiry interface mainly comprises an individual credit investigation information inquiry interface and an individual credit scoring inquiry interface, and after an individual user logs in an inquiry application to complete identity authentication, the individual user accesses an individual credit investigation main system to obtain a credit investigation report.
In the embodiment of the invention, in the step (1), identity information is registered for all credit investigation nodes by virtue of an identity management system, and the identity management is carried out on the credit investigation nodes in the block chain system according to the identity.
In the embodiment of the invention, the two-stage credit investigation network designed in the step (2) completes the primary credit score in the primary credit investigation network, and reports the primary credit score to the advanced credit investigation network through the anchoring credit investigation node to complete the fusion of a plurality of primary credit scores.
In the embodiment of the invention, the general credit scoring model design method designed in the step (3) deploys the credit scoring intelligent contract in the primary credit investigation network.
In the embodiment of the invention, in the step (4), a credit investigation report design method is adopted, and meanwhile, a personal credit investigation information report and a credit scoring report are provided.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principle of the present invention are intended to be included within the scope of the present invention.
Claims (5)
1. An architecture method of a block chain-based personal credit investigation system is characterized in that the architecture method of the block chain-based personal credit investigation system comprises the following steps:
establishing an identity management system, performing identity authentication service on all credit investigation nodes, entering the credit investigation nodes of the personal credit investigation main system to register identity information, and acquiring corresponding digital identity certificates and private keys by the credit investigation nodes after successful registration;
establishing a personal credit investigation main system, and carrying out data acquisition, data analysis and credit investigation report generation in the personal credit investigation service; the credit investigation network formed by the personal credit investigation main system carries out specific business service through an intelligent contract;
inquiring the personal credit investigation report, namely inquiring the personal credit investigation information and credit score by applying an inquiry interface provided by a personal credit investigation main system;
the architecture method of the block chain-based personal credit investigation system specifically comprises the following steps:
the method comprises the steps of firstly, building a block chain foundation framework, building the block chain foundation framework, wherein the block chain foundation framework comprises a data layer block chain account book structure, a network layer P2P communication mechanism, a consensus layer block chain consensus mechanism and a contract layer intelligent contract deployment mechanism, building an identity management system, and registering identity information for all credit investigation block chain nodes;
secondly, building a block chain credit investigation network, wherein the block chain credit investigation network consists of all credit investigation node entities; the block chain credit investigation network comprises a primary credit investigation network and an advanced credit investigation network; the primary credit investigation network is used for carrying out primary credit scoring and reporting the primary credit scoring to the high-grade credit investigation network through the anchoring credit investigation node to carry out fusion of a plurality of primary credit scoring;
thirdly, generating a credit investigation intelligent contract, and processing data in a block chain contract layer according to different stages of data processing of specific credit investigation business; adopting different credit investigation intelligent contracts at different stages of credit investigation data processing, wherein the intelligent contracts are deployed in each block chain credit investigation network; the credit scoring model comprises a plurality of credit scoring dimensions, and different credit indexes are subdivided under each credit scoring dimension; under the dimension of identity credit, the credit scoring model comprises credit indexes A1, A2 and A3, and comprises the following steps:
alpha represents the probability value of the existence of a good user in a certain credit index under the former model;
the number of good users under the credit index A1 is D1, the number of bad users is D2, and the probability of the good users existing under the index A1 is expressed as
The formula is expressed as:
mu represents the weight of each credit index in each credit dimension, and the formula is as follows:
p represents the proportion of the credit dimension in the final credit scoreProportion of P in characteristic credit dimension 1 M represents the credit score total score;
γ represents the final credit score for the individual user, and is formulated as:
fourthly, generating a credit investigation report, wherein the credit investigation report is finally generated in an advanced credit investigation network and comprises personal credit investigation information and personal credit score; personal credit investigation information is acquired into a credit investigation system in a customized manner through credit investigation nodes, and after personal credit investigation is completed by primary credit investigation in each primary credit investigation network, the primary credit investigation is reported to a high-grade credit investigation network through an anchoring node;
fifthly, constructing a credit investigation interface, wherein the personal credit investigation main system provides a personal credit investigation report result for the investigation application; through the personal credit investigation information inquiry interface and the personal credit scoring inquiry interface which are arranged on the inquiry interface, after the personal user logs in and inquires the application identity authentication, the personal credit investigation main system is accessed to obtain the credit investigation report.
2. The architecture method of the block chain-based personal credit investigation system of claim 1, wherein in the first step, the identity management system registers identity information for all credit investigation nodes, and performs identity management on the credit investigation nodes in the block chain system according to the identity.
3. The block chain-based architecture method of a personal credit investigation system according to claim 1, characterized in that, in the second step, the block chain credit investigation network comprises a primary credit investigation network, which is composed of general credit investigation nodes, and a plurality of primary credit investigation networks exist;
the advanced credit investigation network consists of the anchored credit investigation nodes selected from the primary credit investigation network and is used for generating a final credit investigation report.
4. A block chain-based personal credit investigation system built according to the block chain-based personal credit investigation system architecture method of claim 1.
5. A personal credit investigation network terminal built by the block chain-based architecture method of the personal credit investigation system according to claim 1.
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| CN111489250A (en) * | 2020-03-16 | 2020-08-04 | 天元大数据信用管理有限公司 | Credit report sharing method, device, medium and system based on block chain |
| CN111667283B (en) * | 2020-06-04 | 2022-07-22 | 江苏荣泽信息科技股份有限公司 | Personal credit investigation system based on block chain |
| CN113222391A (en) * | 2021-05-06 | 2021-08-06 | 南京财经大学 | Global scoring method for registrants of crowdsourcing business platform |
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