CN111327673A - Credit granting method and system based on anonymous block chain system - Google Patents
Credit granting method and system based on anonymous block chain system Download PDFInfo
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- CN111327673A CN111327673A CN202010059212.2A CN202010059212A CN111327673A CN 111327673 A CN111327673 A CN 111327673A CN 202010059212 A CN202010059212 A CN 202010059212A CN 111327673 A CN111327673 A CN 111327673A
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- 238000000034 method Methods 0.000 title claims abstract description 29
- 238000004364 calculation method Methods 0.000 claims abstract description 15
- 238000012797 qualification Methods 0.000 claims abstract description 15
- 238000003860 storage Methods 0.000 claims abstract description 10
- 230000003993 interaction Effects 0.000 claims description 3
- 230000002452 interceptive effect Effects 0.000 claims description 3
- 238000012216 screening Methods 0.000 description 8
- 238000013475 authorization Methods 0.000 description 3
- 206010063385 Intellectualisation Diseases 0.000 description 2
- 238000004458 analytical method Methods 0.000 description 2
- 238000011161 development Methods 0.000 description 2
- 230000002427 irreversible effect Effects 0.000 description 2
- 238000004519 manufacturing process Methods 0.000 description 2
- 238000012552 review Methods 0.000 description 2
- 238000011144 upstream manufacturing Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 238000007405 data analysis Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/10—Protocols in which an application is distributed across nodes in the network
- H04L67/1097—Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0407—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
- H04L63/0421—Anonymous communication, i.e. the party's identifiers are hidden from the other party or parties, e.g. using an anonymizer
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
- H04L63/0428—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the data content is protected, e.g. by encrypting or encapsulating the payload
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3218—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using proof of knowledge, e.g. Fiat-Shamir, GQ, Schnorr, ornon-interactive zero-knowledge proofs
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/50—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols using hash chains, e.g. blockchains or hash trees
Abstract
The invention discloses a trust granting method and a system based on an anonymous block chain system, wherein the system comprises a contract layer, a middleware, a two-layer node and a network layer, the contract layer comprises a system core intelligent contract and an upper layer application custom contract, supports loading and upgrading at any time and is used for completing the storage, calculation and circulation of data, and meanwhile, the contract layer compiles an intelligent contract according to related requirements provided by a trust granting party and then executes the intelligent contract through a middle layer. The invention is used for chaining data of each party of the credit, and completes qualification examination of the credit through an intelligent contract on the chain under the condition that the data of each party is not disclosed through an anonymous block chain system, thereby calculating the limit of the credit. The invention greatly reduces the trust cost of the credit granting process and completes the whole credit granting process under the condition of not invading the data of each party, thereby ensuring that the credit granting is quicker, simplifying the flow, saving the cost, being real and reliable and optimizing the trust mode of the credit granting system.
Description
Technical Field
The invention relates to a block chain, in particular to a credit granting method and a credit granting system based on an anonymous block chain system.
Background
At present, the entity development is limited, the intellectualization is insufficient, and the intellectualization of financing is mainly expressed, so that the fund circulation in an enterprise supply chain is problematic, and the problem is a big problem facing the industry. Supply chain finance has been proposed for a long time but does not really solve the real problem, mainly facing the following pain points:
first, financial institutions are inadequate for industry, for industry and awareness in the supply chain. Supply chain finance is related to a lot of industries, the financial structure is not understood enough, the knowledge is not deep, and the development of business is influenced.
Second, there is a common gap in data, information islanding. Particularly, the unilateral, privatization and sealing of core enterprise data are ubiquitous.
Third, the problem of financially qualified license plates is that they participate in the supply chain very much, and many entities participate, and there is no qualification with the license plates that are engaged in financial transactions other than the financial institutions. Many P2P platforms also speak to themselves as supply chain finance and do not engage in financial transactions license plates for these years. Therefore, there are many problems and a certain ghost image is generated.
Fourth, there is a lack of standardization and institutional documentation. There is a definition of supply chain financial standards internationally, but the supply chain finances understood by our china are too different and basically not the same.
At present, supply chain finance mainly faces to the problems of data authenticity, financial compliance system and information asymmetry, and a key problem among the problems is the data privacy protection problem after core data are shared between upstream and downstream. The zero-crossing system is an anonymous public link system which completes an intelligent contract first in the world, a complete intelligent contract system can guarantee system establishment and trusted access in any scene, and key data privacy and authorized access of all parties can be protected through an anonymous privacy protection function. Several big pain points of supply chain finance have been solved:
first, the financial institution industry is unfamiliar. The whole supply chain model constructed by the ultra-zero system is an integral wind control system formed by summarizing information based on a block chain credible mechanism, so that the difficulty of the financial institution in researching the industry information can be reduced, the learning event can be shortened, and the auditing speed can be accelerated.
Second, there is a common gap in data, information islanding. Because enterprises worry about leakage and privacy protection of core data, the enterprises do not want to publish the core data to a data gap, the data of each node can be private through a super-zero privacy protection system and cannot be disclosed on the whole chain, and the information is guaranteed not to be tampered through a consensus mechanism on the chain, so that the upstream and the downstream are more willing to upload and share the data.
Third, the problem of financially qualifying license plates. The electronic license plate authorization system can rapidly issue a credible electronic license plate based on a block chain based on intelligent contract and asset distribution functions of an ultra-zero system and chain-based data auditing of the national government, and the chain linking of the electronic license plate authorization system is completed.
Fourth, there is a lack of standardization and institutional documentation. A system can be continuously improved through an intelligent contract, and finally a set of standards and systems executed on an automatic chain are formed. In addition, since all data in the chain is trusted, private and shareable, the system will be completed on a trusted basis, reducing government pressure.
Disclosure of Invention
The invention aims to provide a credit granting method and a credit granting system based on an anonymous block chain system, so as to solve the problems in the background technology.
In order to achieve the purpose, the invention provides the following technical scheme:
a credit granting method based on an anonymous blockchain system links up data of a credit granting party, and completes qualification examination of the credit granting party and limit calculation of the trusted party through an intelligent contract on the chain under the condition that the data of each credit granting party is not disclosed through the anonymous blockchain system.
Qualification screening requires the issuance of certified license plates on the chain, which once issued ensures that the irreversible is true, and certainly can be removed from the chain. Ensuring the authenticity of the qualification. The credit calculation is that the trusted party uploads production data, sales data, logistics data, financial data and the like continuously from the beginning of establishment of a company to a chain through an encryption means, then an intelligent contract is set through a review mechanism established by the trusted party, namely through the standard of the trusted party, all data of the trusted party are called, and then an analysis result is output. Thus, the privacy of a certain detailed data of the trusted party is not infringed, and the approval process of the credit limit can be completed.
As a further preferable scheme of the present invention, the credit granting method specifically includes the following steps: (1) using each credit party involved in the credit granting process as a node, generating a unique address by an anonymous block chain system, and using the unique address as an interaction mark on a unique chain; (2) in the credit granting process, each credit granting party encrypts data through the unique address, generates a hash value of the data and packages the hash value in a block of an anonymous block chain system, and (3) stores the data in a node server; (4) writing an intelligent contract through a certain credit granting rule, calling a corresponding hash value in a block to form a calculation model, and generating credit granting data through the credit granting rule; (5) the trust data does not relate to any detailed data of a specific party, but is model data after data analysis, and each trust party completes trust on the chain through the trust data.
As a still further preferable embodiment of the present invention, the step (3) specifically comprises: and fragmenting and storing the data in a node server in a distributed storage mode.
As a still further preferable aspect of the present invention, the data encryption in the step (2) is performed by a non-interactive zero-knowledge proof.
The invention further discloses a system based on the anonymous block chain, which comprises a contract layer, a middleware, a two-layer node and a network layer, wherein the contract layer comprises a system core intelligent contract and an upper layer application custom contract, supports loading and upgrading at any time and is used for finishing the storage, calculation and circulation of data; the middle layer calls the storage and calculation resources of the nodes of the two layers through the intelligent contract, so that data stored in a decentralized network layer, namely a chain, are analyzed, and the service requirement of the contract layer at the uppermost layer is met through analyzing the data.
The qualification screening standard is written by the screening standard of a bank or financial system, and the system provides an interface for qualification screening.
Compared with the prior art, the invention has the beneficial effects that: the invention is used for chaining data of each party of the credit, and completes qualification examination of the credit through an intelligent contract on the chain under the condition that the data of each party is not disclosed through an anonymous block chain system, thereby calculating the limit of the credit. The invention greatly reduces the trust cost of the credit granting process and completes the whole credit granting process under the condition of not invading the data of each party, thereby ensuring that the credit granting is quicker, simplifying the flow, saving the cost, being real and reliable and optimizing the trust mode of the credit granting system.
Drawings
Fig. 1 is a network architecture diagram of the anonymous blockchain based system of the present invention.
Fig. 2 is a schematic flow chart of an exemplary embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1, in an embodiment of the present invention, a system based on an anonymous block chain is disclosed, where the system includes a contract layer, a middleware, a two-layer node, and a network layer, where the contract layer includes a system core intelligent contract and an upper layer application custom contract, supports loading and upgrading at any time, and is used to complete storage, calculation, and circulation of data, and meanwhile, the contract layer compiles an intelligent contract through related requirements provided by a credit provider, and then executes the intelligent contract through an intermediate layer; the middle layer calls the storage and calculation resources of the nodes of the two layers through the intelligent contract, so that data stored in a decentralized network layer, namely a chain, are analyzed, and the service requirement of the contract layer at the uppermost layer is met through analyzing the data.
Further, based on the system, the invention also discloses a credit granting method based on the anonymous blockchain system, which links up the data of the credit granting party and completes the qualification examination of the credit granting party and the calculation of the credit limit of the credit granting party through an intelligent contract on the link under the condition that the data of each credit granting party is not disclosed through the anonymous blockchain system.
Qualification screening requires the issuance of certified license plates on the chain, which once issued ensures that the irreversible is true, and certainly can be removed from the chain. Ensuring the authenticity of the qualification. The credit calculation is that the trusted party uploads production data, sales data, logistics data, financial data and the like continuously from the beginning of establishment of a company to a chain through an encryption means, then an intelligent contract is set through a review mechanism established by the trusted party, namely through the standard of the trusted party, all data of the trusted party are called, and then an analysis result is output. Thus, the privacy of a certain detailed data of the trusted party is not infringed, and the approval process of the credit limit can be completed.
The qualification screening standard is written by the screening standard of a bank or financial system, and the system provides an interface for qualification screening.
Preferably, the credit granting method specifically comprises the following steps: (1) using each credit party involved in the credit granting process as a node, generating a unique address by an anonymous block chain system, and using the unique address as an interaction mark on a unique chain; (2) in the credit granting process, each credit granting party encrypts data through the unique address, generates a hash value of the data and packages the hash value in a block of an anonymous block chain system, and (3) stores the data in a node server; (4) writing an intelligent contract through a certain credit granting rule, calling a corresponding hash value in a block to form a calculation model, and generating credit granting data through the credit granting rule; (5) and each credit granting party completes the chain credit granting through the credit granting data.
Preferably, the data encryption in the step (2) is performed through a non-interactive zero-knowledge proof; the step (3) is specifically as follows: and fragmenting and storing the data in a node server in a distributed storage mode.
As a typical embodiment of the present invention, as shown in fig. 2, fig. 2 is a specific flowchart of the block chain method applied to the supply chain financial field, after a C-end user pays a payment company, the payment company encrypts and chains payment data, a channel company encrypts and chains channel data, a clearance logistics company encrypts and chains service data, a provider company encrypts and chains supply data, and an intelligent contract on a chain automatically generates a wind control model, and then generates an uplink credit line; credit structures such as banks provide data asset retrieval and credit line pre-authorization queries to the system of the present invention, which are bi-directional.
In summary, the invention is used for chaining data of each trusted party, and completes qualification examination of the trusted party through an intelligent contract on the chain under the condition that the data of each party is not disclosed through an anonymous block chain system, so as to calculate the amount of the trusted party. The invention greatly reduces the trust cost of the credit granting process and completes the whole credit granting process under the condition of not invading the data of each party, thereby ensuring that the credit granting is quicker, simplifying the flow, saving the cost, being real and reliable and optimizing the trust mode of the credit granting system.
It will be evident to those skilled in the art that the invention is not limited to the details of the foregoing illustrative embodiments, and that the present invention may be embodied in other specific forms without departing from the spirit or essential attributes thereof. The present embodiments are therefore to be considered in all respects as illustrative and not restrictive, the scope of the invention being indicated by the appended claims rather than by the foregoing description, and all changes which come within the meaning and range of equivalency of the claims are therefore intended to be embraced therein. Any reference sign in a claim should not be construed as limiting the claim concerned.
Furthermore, it should be understood that although the present description refers to embodiments, not every embodiment may contain only a single embodiment, and such description is for clarity only, and those skilled in the art should integrate the description, and the embodiments may be combined as appropriate to form other embodiments understood by those skilled in the art.
Claims (5)
1. A credit granting method based on an anonymous block chain system is characterized in that data of a credit granting party is linked up, and under the condition that the data of each credit granting party is not disclosed through the anonymous block chain system, qualification examination of the credit granting party and the amount calculation of the credit granted party are completed through an intelligent contract on the chain.
2. The method of claim 1, wherein the method specifically comprises the following steps:
(1) using each credit party involved in the credit granting process as a node, generating a unique address by an anonymous block chain system, and using the unique address as an interaction mark on a unique chain; (2) in the credit granting process, each credit granting party encrypts data through the unique address, generates a hash value of the data and packages the hash value in a block of an anonymous block chain system, and (3) stores the data in a node server; (4) writing an intelligent contract through a certain credit granting rule, calling a corresponding hash value in a block to form a calculation model, and generating credit granting data through the credit granting rule; (5) and each credit granting party completes the chain credit granting through the credit granting data.
3. The method as claimed in claim 2, wherein the step (3) is specifically as follows: and fragmenting and storing the data in a node server in a distributed storage mode.
4. The method of claim 2, wherein the data encryption in step (2) is performed by non-interactive zero-knowledge proof.
5. A system based on anonymous block chain is characterized by comprising a contract layer, a middleware, two-layer nodes and a network layer, wherein the contract layer comprises a system core intelligent contract and an upper layer application custom contract, supports loading and upgrading at any time and is used for finishing the storage, calculation and circulation of data; the middle layer calls the storage and calculation resources of the nodes of the two layers through the intelligent contract, so that the data stored on the network layer are analyzed, and the service requirement of the contract layer at the uppermost layer is met by analyzing the data.
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| CN202010059212.2A CN111327673A (en) | 2020-01-18 | 2020-01-18 | Credit granting method and system based on anonymous block chain system |
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| CN202010059212.2A CN111327673A (en) | 2020-01-18 | 2020-01-18 | Credit granting method and system based on anonymous block chain system |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113344551A (en) * | 2021-07-05 | 2021-09-03 | 招商局金融科技有限公司 | Multi-head credit granting method, device, equipment and medium based on zero-knowledge proof technology |
Citations (3)
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| US20190165949A1 (en) * | 2017-11-24 | 2019-05-30 | International Business Machines Corporation | Data anonymizing blockchain system |
| CN110069345A (en) * | 2019-04-23 | 2019-07-30 | 江苏大学 | Crowdsourcing resource distribution formula anonymity dispensing method and its allocating system based on block chain |
| CN110135966A (en) * | 2018-02-09 | 2019-08-16 | 玉山商业银行股份有限公司 | Accrediting amount management method and system |
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2020
- 2020-01-18 CN CN202010059212.2A patent/CN111327673A/en active Pending
Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20190165949A1 (en) * | 2017-11-24 | 2019-05-30 | International Business Machines Corporation | Data anonymizing blockchain system |
| CN110135966A (en) * | 2018-02-09 | 2019-08-16 | 玉山商业银行股份有限公司 | Accrediting amount management method and system |
| CN110069345A (en) * | 2019-04-23 | 2019-07-30 | 江苏大学 | Crowdsourcing resource distribution formula anonymity dispensing method and its allocating system based on block chain |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN113344551A (en) * | 2021-07-05 | 2021-09-03 | 招商局金融科技有限公司 | Multi-head credit granting method, device, equipment and medium based on zero-knowledge proof technology |
| CN113344551B (en) * | 2021-07-05 | 2024-02-09 | 招商局金融科技有限公司 | Multi-head credit giving method, device, equipment and medium based on zero knowledge proof technology |
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Application publication date: 20200623 |