CN110659976A - Enterprise technology service credit investigation system based on block chain and management method thereof - Google Patents
Enterprise technology service credit investigation system based on block chain and management method thereof Download PDFInfo
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- CN110659976A CN110659976A CN201811594447.0A CN201811594447A CN110659976A CN 110659976 A CN110659976 A CN 110659976A CN 201811594447 A CN201811594447 A CN 201811594447A CN 110659976 A CN110659976 A CN 110659976A
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Abstract
The invention provides a management method of an enterprise technical service credit investigation system based on a block chain, which comprises the following operation steps: A) collecting data; B) checking the data; C) data cleaning; D) data modeling; E) generating a data product scheme; F) respectively providing the data product scheme for the enterprise user module and the block chain transaction platform; G) the block chain trading platform is used for trading and acquiring the required block chain data; H) the needed block chain data is connected with the block chain exchange data module; I) and then the process is finished. The method utilizes the block chain exchange data and the data of the traditional source to generate a data product scheme after modeling, and the generated data product scheme is used for updating the data model; the block chain transaction platform uses the encrypted address to exchange data without disclosing real identity, and transaction data desensitization processing ensures that the own operation data of participating institutions are not leaked; the popularization and the application have good economic benefit and social benefit.
Description
Technical Field
The invention belongs to the technical field of internet credit investigation, and particularly relates to an enterprise technical service credit investigation system based on a block chain and a management method thereof.
Background
The enterprise credit investigation is to collect, arrange, store and process credit information of natural people, legal people and other organizations. And provide services such as credit report, credit assessment, credit information consultation and the like to the outside, help clients judge and control credit risks, and perform credit management activities. The market economy is credit economy, the enterprise credit investigation is an important means for reducing information asymmetry between market economy main bodies, and compared with the enterprise credit investigation history of developed credit investigation countries for more than one hundred years, the Chinese enterprise credit investigation practice is much later. Since the beginning of 2004, the bank credit registration consultation system is upgraded and reformed, and a nationwide centralized and unified enterprise credit investigation system is built, domestic credit investigation service enterprises can access data and provide credit investigation service to foreign countries, and the Chinese enterprise credit investigation business really starts. The credit investigation market of developed countries in Europe and America is becoming mature day by day, the serialization, the periodization, the deepening and the high added value of products are gradually realized, and the credit investigation industry of some countries is even transformed and upgraded into the comprehensive information industry. According to the investigation and statistics of credit investigation management department of the Miner's Bank of China, the business types of each credit investigation institution mainly include: the system comprises an enterprise credit investigation report, an enterprise credit score or rating, enterprise credit information authentication, enterprise business account recollection and other value-added consultation services, wherein the enterprise credit investigation report and the enterprise credit information authentication services are taken as main services. It can be seen that the domestic enterprise credit investigation industry still uses credit investigation as a core, data organization and report presentation are used as major industry, and the industry such as the industry of the American enterprise credit investigation industry, Duncai is short.
After data are accumulated to a certain degree, a plurality of enterprise big data credit investigation companies build a data transaction platform, so that own data assets are kept, the requirements of other data demand parties are met, and the enterprise big data credit investigation companies are mostly concentrated on one-point and fine-ploughing and fine-working companies in the enterprise big data credit investigation industry. The business model of the credit investigation institution of the domestic big data enterprise is shown in figure 1. Fig. 1 shows that the data integration means of the domestic credit investigation enterprise is insufficient, the data modeling capability is limited, the data product scheme is rare, and a data service chain with a complete system cannot be created, so that a single enterprise scattered in each link of the credit investigation system directly provides limited services for limited enterprise users in three links, and the limited services fall into a vicious circle.
With the rapid development of internet finance, financing modes such as a P2P platform, stock right crowd funding and the like are started, the financing requirements of small and medium-sized enterprises are met, and convenience is provided for direct financing of the small and medium-sized enterprises. The manner of a conventional data sharing platform is shown in fig. 1. The P2P platform, the fund-consuming enterprise, the commercial bank, the loan-aid company and other financial institutions report the data to a uniform credit data transaction platform to share the data; the credit data transaction platform sends inquiry data to each financial institution according to the application of each financial institution such as the P2P platform, the cash-out enterprise, the commercial bank, the loan-aid company and the like. The central row credit is a typical data reporting mode, and this mode needs to have a strong endorsement, because the data is concentrated in one place, and the security of the central data and the trust of the central authority are the most important rings in this system. The presence of blockchains provides an alternative to changing this condition. The block chain has a good mode of an alliance chain, and can be used in a financial scene, so that data can be shared, and information leakage of core enterprises can be well protected.
How to provide a data product scheme generated after modeling by using block chain exchange data and data from traditional sources, and how to use the generated data product scheme for updating a data model becomes an urgent problem to be solved.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, the present invention is directed to a block chain-based enterprise technology service credit system for updating data model by generating a data product scheme after modeling data exchanged by block chains and data from traditional sources.
Enterprise technology service credit investigation system based on block chain, including the server, be provided with data acquisition module on the server, its characterized in that: the data acquisition module comprises a trusted database module, a block chain exchange data module and a suspicion database module, the trusted database module, the block chain exchange data module and the suspicion database module are all connected with the data modeling module, and the data modeling module is respectively connected with the enterprise user module and the block chain transaction platform through the data product scheme module; the block chain transaction platform is bidirectionally connected with the required block chain data module, and the required block chain data module is connected with the block chain exchange data module;
the data modeling module consists of a data cleaning module, a data checking module and a data model module, wherein the trusted database module and the block chain exchange data module are respectively connected with the data model module through the data cleaning module, and the suspicion database module is connected with the data model module through the data checking module and the data cleaning module in sequence;
the credible database module comprises a self-built enterprise data acquisition module, an enterprise credit investigation data acquisition module and a government agency data acquisition module; the trusted database module is connected with the enterprise user module; the data of the enterprise credit investigation data acquisition module comprises data of three operators; the data of the government agency data acquisition module comprises data of Unionpay data, court data, public security certification, escape and the like;
the suspicion database module comprises an internet data capturing module and an internet data acquisition module; the data of the internet data capture module and the internet of things data acquisition module comprise data from a small credit company or a consumption financial company;
the data product scheme module comprises an enterprise credit report, an enterprise risk early warning management module, an enterprise credit score management module, an industry analysis system module and an instant rating report module.
The management method of the enterprise technical service credit investigation system based on the block chain is characterized in that: the method comprises the following operation steps:
A) and data acquisition:
the data acquisition module acquires data through the trusted database module, the block chain exchange data module and the suspicion database module respectively;
B) and data checking:
data of the doubt database module are from the internet data capture module and the internet of things data acquisition module, data checking is needed to be performed first, and the data checking comprises checking authenticity of a data issuing mechanism, validity and credibility of data issuing;
C) and data cleaning:
finding and correcting recognizable errors in the data file, including checking data consistency, and processing invalid values and missing values;
D) and data modeling:
converting the abstract conceptual model of the cleaned data after system analysis into a physical model;
E) generating a data product scheme;
F) respectively providing the data product scheme for the enterprise user module and the block chain transaction platform;
G) the block chain trading platform is used for trading and acquiring the required block chain data;
H) the needed block chain data is connected with the block chain exchange data module; joining a federation chain of existing blockchains by authorization;
I) and then the process is finished.
In an embodiment of the invention, in the step B), the data of which the source cannot be verified is removed.
In an embodiment of the invention, in the step B), the data whose data distribution time exceeds the set age is removed.
In an embodiment of the present invention, in the step B), the data that can be truly sourced but is not highly evaluated by the issuing authority is converted.
In an embodiment of the invention, in the step H), the required blockchain data can be used for the blockchain switching data module for updating the data model.
The method utilizes the block chain exchange data and the data from the traditional source to model and then generate a data product scheme, the generated data product scheme is used for updating the data model, the system conforms to the market operation rule, power and pressure are provided for upgrading iterative credit investigation products and improving credit investigation service level, and the overall operation level and service capacity of credit investigation business are rapidly improved; the block chain transaction platform uses the encrypted address to exchange data without disclosing real identity, and transaction data desensitization processing ensures that the own operation data of participating institutions are not leaked; the popularization and the application have good economic benefit and social benefit.
Drawings
Fig. 1 is a schematic diagram of a prior art enterprise credit investigation system structure.
Fig. 2 is a schematic diagram of the system architecture of the present invention.
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
As shown in fig. 2, the invention provides a block chain-based enterprise technical service credit investigation system, which comprises a server, wherein a data acquisition module is arranged on the server, the data acquisition module comprises a trusted database module, a block chain exchange data module and a suspicion database module, the trusted database module, the block chain exchange data module and the suspicion database module are all connected with a data modeling module, and the data modeling module is respectively connected with an enterprise user module and a block chain transaction platform through a data product scheme module; the block chain transaction platform is bidirectionally connected with the required block chain data module, and the required block chain data module is connected with the block chain exchange data module;
the data modeling module consists of a data cleaning module, a data checking module and a data model module, wherein the trusted database module and the block chain exchange data module are respectively connected with the data model module through the data cleaning module, and the suspicion database module is connected with the data model module through the data checking module and the data cleaning module in sequence;
the credible database module comprises a self-built enterprise data acquisition module, an enterprise credit investigation data acquisition module and a government agency data acquisition module; the trusted database module is connected with the enterprise user module;
the suspicion database module comprises an internet data capturing module and an internet data acquisition module;
the data product scheme module comprises an enterprise credit report, an enterprise risk early warning management module, an enterprise credit score management module, an industry analysis system module and an instant rating report module.
The invention provides a management method of an enterprise technical service credit investigation system based on a block chain, which comprises the following operation steps:
A) and data acquisition:
the data acquisition module acquires data through the trusted database module, the block chain exchange data module and the suspicion database module respectively;
B) and data checking:
data of the doubt database module are from the internet data capture module and the internet of things data acquisition module, data checking is needed to be performed first, and the data checking comprises checking authenticity of a data issuing mechanism, validity and credibility of data issuing;
C) and data cleaning:
finding and correcting recognizable errors in the data file, including checking data consistency, and processing invalid values and missing values;
D) and data modeling:
converting the abstract conceptual model of the cleaned data after system analysis into a physical model;
E) generating a data product scheme;
F) respectively providing the data product scheme for the enterprise user module and the block chain transaction platform;
G) the block chain trading platform is used for trading and acquiring the required block chain data;
H) the needed block chain data is connected with the block chain exchange data module;
I) and then the operation is finished;
in the step B), eliminating data of which the source cannot be verified;
in the step B), eliminating the data of which the data release time exceeds the set age;
in the step B), converting the data which can be truly sourced but is not evaluated by a release agency;
in the step H), the required blockchain data can be used for the blockchain exchange data module for updating the data model.
In specific implementation, the credit information source channel is wide, credit investigation data can be collected from banks, credit card issuing companies, leasing companies, financial companies, credit unions and even various commercial retail organizations, and the credit information in positive and negative aspects can be collected at the same time.
In conclusion, the data product scheme is generated after the block chain exchange data and the data from the traditional source are modeled, the generated data product scheme is used for updating the data model, the system conforms to the market operation rule, power and pressure are provided for upgrading the iterative credit investigation product and improving the credit investigation service level, and the overall operation level and service capacity of the credit investigation business are rapidly improved; the block chain transaction platform uses the encrypted address to exchange data without disclosing real identity, and transaction data desensitization processing ensures that the self operation data of participating institutions is not leaked. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (6)
1. Enterprise technology service credit investigation system based on block chain, including the server, be provided with data acquisition module on the server, its characterized in that: the data acquisition module comprises a trusted database module, a block chain exchange data module and a suspicion database module, the trusted database module, the block chain exchange data module and the suspicion database module are all connected with the data modeling module, and the data modeling module is respectively connected with the enterprise user module and the block chain transaction platform through the data product scheme module; the block chain transaction platform is bidirectionally connected with the required block chain data module, and the required block chain data module is connected with the block chain exchange data module;
the data modeling module consists of a data cleaning module, a data checking module and a data model module, wherein the trusted database module and the block chain exchange data module are respectively connected with the data model module through the data cleaning module, and the suspicion database module is connected with the data model module through the data checking module and the data cleaning module in sequence;
the credible database module comprises a self-built enterprise data acquisition module, an enterprise credit investigation data acquisition module and a government agency data acquisition module; the trusted database module is connected with the enterprise user module;
the suspicion database module comprises an internet data capturing module and an internet data acquisition module;
the data product scheme module comprises an enterprise credit report, an enterprise risk early warning management module, an enterprise credit score management module, an industry analysis system module and an instant rating report module.
2. The management method of the enterprise technical service credit investigation system based on the block chain is characterized in that: the method comprises the following operation steps:
A) and data acquisition:
the data acquisition module acquires data through the trusted database module, the block chain exchange data module and the suspicion database module respectively;
B) and data checking:
data of the doubt database module are from the internet data capture module and the internet of things data acquisition module, data checking is needed to be performed first, and the data checking comprises checking authenticity of a data issuing mechanism, validity and credibility of data issuing;
C) and data cleaning:
finding and correcting recognizable errors in the data file, including checking data consistency, and processing invalid values and missing values;
D) and data modeling:
converting the abstract conceptual model of the cleaned data after system analysis into a physical model;
E) generating a data product scheme;
F) respectively providing the data product scheme for the enterprise user module and the block chain transaction platform;
G) the block chain trading platform is used for trading and acquiring the required block chain data;
H) the needed block chain data is connected with the block chain exchange data module;
I) and then the process is finished.
3. The method for managing a blockchain-based enterprise technology service credit system according to claim 2, wherein the method comprises the following steps: in the step B), the data which can not be verified is removed.
4. The method for managing a blockchain-based enterprise technology service credit system according to claim 2, wherein the method comprises the following steps: and B), eliminating the data with the data release time exceeding the set age limit.
5. The method for managing a blockchain-based enterprise technology service credit system according to claim 2, wherein the method comprises the following steps: and in the step B), converting the data which can be truly sourced but is not evaluated by the issuing organization.
6. The method for managing a blockchain-based enterprise technology service credit system according to claim 2, wherein the method comprises the following steps: in the step H), the required blockchain data can be used for the blockchain exchange data module for updating the data model.
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111367903A (en) * | 2020-02-28 | 2020-07-03 | 深圳微众信用科技股份有限公司 | Credit report generation method based on block chain and related system |
| CN111523853A (en) * | 2020-04-14 | 2020-08-11 | 上海资信有限公司 | Management method for processing, sorting and storing enterprise credit information |
| CN111951096A (en) * | 2020-08-11 | 2020-11-17 | 中国工商银行股份有限公司 | Block chain-based enterprise pre-granted credit limit determination method and data chaining method |
| CN113536390A (en) * | 2021-06-25 | 2021-10-22 | 北京八分量信息科技有限公司 | Enterprise block chain service system based on trusted continuous immunity technology |
| WO2021213154A1 (en) * | 2020-04-24 | 2021-10-28 | 深圳点链科技有限公司 | Blockchain data processing method, system, terminal, and computer-readable storage medium |
-
2018
- 2018-12-25 CN CN201811594447.0A patent/CN110659976A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN111367903A (en) * | 2020-02-28 | 2020-07-03 | 深圳微众信用科技股份有限公司 | Credit report generation method based on block chain and related system |
| CN111523853A (en) * | 2020-04-14 | 2020-08-11 | 上海资信有限公司 | Management method for processing, sorting and storing enterprise credit information |
| CN111523853B (en) * | 2020-04-14 | 2022-10-21 | 上海资信有限公司 | Management method for processing, sorting and storing enterprise credit information |
| WO2021213154A1 (en) * | 2020-04-24 | 2021-10-28 | 深圳点链科技有限公司 | Blockchain data processing method, system, terminal, and computer-readable storage medium |
| CN111951096A (en) * | 2020-08-11 | 2020-11-17 | 中国工商银行股份有限公司 | Block chain-based enterprise pre-granted credit limit determination method and data chaining method |
| CN113536390A (en) * | 2021-06-25 | 2021-10-22 | 北京八分量信息科技有限公司 | Enterprise block chain service system based on trusted continuous immunity technology |
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Application publication date: 20200107 |