CN111369337B - Block chain-based trust air control system, method, equipment and medium - Google Patents
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Abstract
The application discloses a block chain-based credit air control system, a method, equipment and a medium, wherein the system comprises a multi-head credit verification module, a multi-head credit verification module and a multi-head credit verification module, wherein the multi-head credit verification module is used for acquiring a multi-head credit verification request which is sent by a credit system of a first financial institution and aims at a target enterprise, and analyzing and verifying the multi-head credit verification request by utilizing first credit data and second credit data; the first trust data is the trust data of a target enterprise uploaded to the blockchain network by the target area chain node; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the data access module is used for acquiring first trust data from the blockchain network and sending the acquired first trust data to the multi-head trust verification module; and the credit authorization database module is used for storing credit authorization data of each enterprise maintained by the credit system of the first financial institution. The financial institution can timely master the credit granting condition of the enterprise through the blockchain network, and the problems of multi-head credit granting and excessive credit granting of the enterprise are avoided.
Description
Technical Field
The application relates to the technical field of financial science and technology, in particular to a block chain-based credit-giving wind control system, a method, equipment and a medium.
Background
At present, financial institutions support financing loans of small and medium-sized micro-enterprises with high enthusiasm, and the problem of fund difficulty is solved for the small and medium-sized micro-enterprises through various modes and channels, so that in order to further provide convenience for the small and medium-sized micro-enterprises, some financial institutions even provide credit giving loan services without mortgages. Because each financial institution is relatively independent, each is not aware of the credit information of the middle and small micro enterprises of the other party, there is a possibility that one enterprise applies for a plurality of credit loans at two or more financial institutions at the same time, that is, the problem of multi-head credit and excessive credit of the enterprise is caused, and risk hidden danger is easily generated.
Disclosure of Invention
Accordingly, the present application aims to provide a block chain-based trust pneumatic control system, method, device and medium, which can enable a financial institution to timely grasp the trust status of an enterprise through a block chain network, thereby avoiding the problems of multi-head trust and excessive trust of the enterprise. The specific scheme is as follows:
in a first aspect, the application discloses a block chain-based trust wind control system, which comprises a multi-head trust verification module, a data access module and a trust database module; wherein,
the multi-head credit verification module is used for acquiring a multi-head credit verification request for a target enterprise sent by a credit system of a first financial institution, and carrying out analysis and verification by utilizing the first credit data and the second credit data so as to obtain a corresponding credit wind control analysis result; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the target blockchain node is a blockchain node corresponding to a second financial institution credit system;
the data access module is used for acquiring the first trust data from a blockchain network and sending the acquired first trust data to the multi-head trust verification module;
the credit authorization database module is used for storing credit authorization data of each enterprise maintained by the credit system of the first financial institution.
Optionally, the multi-head credit verification module is further configured to send the credit control analysis result to the first financial institution credit system.
Optionally, the data access module is specifically configured to send a request for obtaining the trusted data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first trusted data maintained by the credit system of the second financial institution to the blockchain network, and then the data access module obtains the first trusted data from the blockchain network.
Optionally, the data access module is further configured to respond to a request of the credit management and wind control system corresponding to the credit system of the second financial institution, so that enterprise credit management data corresponding to the request stored in the credit management database is uploaded to the blockchain network, so that the credit management and wind control system corresponding to the credit system of the second financial institution performs credit management and wind control analysis and verification of the corresponding enterprise.
In a second aspect, the application discloses a block chain-based trust wind control method, which comprises the following steps:
acquiring a multi-head credit verification request for a target enterprise, wherein the multi-head credit verification request is sent by a first financial institution credit system;
acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system;
performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system.
Optionally, the block chain-based trust wind control method further includes:
and sending the credit control analysis result of the credit giving wind control to the credit system of the first financial institution.
Optionally, the acquiring the first trust data from the blockchain network includes:
and sending a request for acquiring the credit data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first credit data maintained by the credit system of the second financial institution to a blockchain network, and then acquires the first credit data from the blockchain network.
Optionally, the block chain-based trust wind control method further includes:
responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit data corresponding to the request to a blockchain network so that the second financial institution performs credit management and wind control analysis and verification of the corresponding enterprise.
In a third aspect, the application discloses an electronic device comprising a processor and a memory; wherein,
the memory is used for storing a computer program;
the processor is configured to execute the computer program to implement the foregoing trust wind control method.
In a fourth aspect, the present application discloses a computer readable storage medium for storing a computer program, where the computer program when executed by a processor implements the foregoing trust wind control method.
The block chain-based trust wind control system disclosed by the application comprises a multi-head trust verification module, a data access module and a trust database module; the multi-head credit verification module is used for acquiring a multi-head credit verification request for a target enterprise sent by a credit system of a first financial institution, and carrying out analysis and verification by utilizing first credit data and second credit data so as to obtain a corresponding credit wind control analysis result; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; the data access module is used for acquiring the first trust data from a blockchain network and sending the acquired first trust data to the multi-head trust verification module; the credit authorization database module is used for storing credit authorization data of each enterprise maintained by the credit system of the first financial institution. That is, the application acquires the credit authorization data of the enterprise under other financial institutions from the blockchain network, and performs credit authorization analysis and verification by using the acquired credit authorization data and the credit authorization data of the enterprise maintained by the institution to obtain the credit authorization wind control analysis result. Thus, the financial institution can timely master the credit giving condition of the enterprise through the blockchain network, and the problems of multi-head credit giving and excessive credit giving of the enterprise are avoided.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present application, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a schematic diagram of a block chain based trust pneumatic control system according to the present disclosure;
FIG. 2 is a flow chart of a process of wind control analysis of a trust wind control system disclosed by the application;
FIG. 3 is a schematic diagram of a specific embodiment of a system for implementing a pneumatic control analysis of a trusted pneumatic control system according to the present application;
FIG. 4 is a flowchart of a method for controlling a trusted wind based on blockchain in accordance with the present disclosure;
FIG. 5 is a block diagram of an electronic device according to the present disclosure;
fig. 6 is a diagram illustrating a server structure according to the present disclosure.
Detailed Description
The following description of the embodiments of the present application will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present application, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the application without making any inventive effort, are intended to be within the scope of the application.
At present, financial institutions support financing loans of small and medium-sized micro-enterprises with high enthusiasm, and the problem of fund difficulty is solved for the small and medium-sized micro-enterprises through various modes and channels, so that in order to further provide convenience for the small and medium-sized micro-enterprises, some financial institutions even provide credit giving loan services without mortgages. Because each financial institution is relatively independent, each is not aware of the credit information of the middle and small micro enterprises of the other party, there is a possibility that one enterprise applies for a plurality of credit loans at two or more financial institutions at the same time, that is, the problem of multi-head credit and excessive credit of the enterprise is caused, and risk hidden danger is easily generated. Therefore, the application provides a block chain-based credit air control scheme, which can enable a financial institution to timely master the credit conditions of enterprises through a block chain network, thereby avoiding the problems of multi-head credit and excessive credit of the enterprises.
Referring to fig. 1, the embodiment of the application discloses a block chain-based trust wind control system, which comprises a multi-head trust verification module 11, a data access module 12 and a trust database module 13; wherein,
the multi-head credit verification module 11 is configured to obtain a multi-head credit verification request for a target enterprise sent by a credit system of a first financial institution, and perform analysis and verification by using the first credit data and the second credit data to obtain a corresponding credit wind control analysis result; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the target blockchain node is a blockchain node corresponding to a second financial institution credit system.
The data access module 12 is configured to obtain the first trust data from a blockchain network, and send the obtained first trust data to the multi-head trust verification module.
The trusted database module 13 is configured to store trusted data of each enterprise maintained by the credit system of the first financial institution.
The block chain-based trust wind control system disclosed by the application comprises a multi-head trust verification module, a data access module and a trust database module; the multi-head credit verification module is used for acquiring a multi-head credit verification request for a target enterprise sent by a credit system of a first financial institution, and carrying out analysis and verification by utilizing first credit data and second credit data so as to obtain a corresponding credit wind control analysis result; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; the data access module is used for acquiring the first trust data from a blockchain network and sending the acquired first trust data to the multi-head trust verification module; the credit authorization database module is used for storing credit authorization data of each enterprise maintained by the credit system of the first financial institution. That is, the application acquires the credit authorization data of the enterprise under other financial institutions from the blockchain network, and performs credit authorization analysis and verification by using the acquired credit authorization data and the credit authorization data of the enterprise maintained by the institution to obtain the credit authorization wind control analysis result. Thus, the financial institution can timely master the credit giving condition of the enterprise through the blockchain network, and the problems of multi-head credit giving and excessive credit giving of the enterprise are avoided.
The multi-head credit verification module 11 is further configured to send the credit management analysis result to the first financial institution credit system.
In a specific embodiment, the multi-head credit verification module 11 combines and analyzes the local credit data and the enterprise credit data obtained from the blockchain, verifies the multi-head credit condition and the excessive credit condition of the enterprise, and returns the analysis result to the credit system of the first financial institution.
The data access module 12 is specifically configured to send a request for obtaining trusted data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first trusted data maintained by the second financial institution credit system to a blockchain network, and then the data access module obtains the first trusted data from the blockchain network. In a specific implementation process, the data access module 12 sends a request to the target blockchain node to obtain the trusted data corresponding to the target enterprise, the target blockchain node uploads the first trusted data maintained by the second financial institution credit system to the blockchain network, and then the data access module 12 synchronizes the trusted information blocks from the blockchain network and obtains the first trusted data from the trusted information blocks.
And, the data access module 12 is further configured to respond to a request of the credit management system of the second financial institution, so as to upload the enterprise credit management data corresponding to the request stored in the credit management database to the blockchain network, so that the credit management system of the second financial institution performs credit management analysis and verification of the corresponding enterprise.
That is, the data access module 12 may upload the trust data of the corresponding enterprise maintained by the organization to the blockchain network in response to a request of another organization, and the other organization may acquire the uploaded trust data from the blockchain network to perform trust wind control analysis and verification.
In a specific embodiment, the financial institution credit system updates the enterprise credit data in time according to the conditions of enterprise credit, batch credit, repayment and the like, and the credit database module 13 stores the credit data of each enterprise maintained by the financial institution credit system for the credit wind control system to call.
For example, referring to fig. 2, fig. 2 discloses a flow chart of a process of wind control analysis of a trusted wind control system. The multi-head credit verification module receives a verification request for inquiring the multi-head credit condition of the enterprise by a financial institution and sends an enterprise credit data acquisition request to the data access module. The data access module synchronizes enterprise trust information blocks uploaded by one or more bank block chain nodes from the block chain network, acquires enterprise trust data from the enterprise trust information blocks, and returns the enterprise trust data to the multi-head trust verification module. The multi-head trust verification module acquires local trust data of the enterprise from the trust database module, combines and analyzes the local trust data with the enterprise trust data acquired from the blockchain, and verifies the multi-head trust condition of the enterprise. And the multi-head credit verification module returns the analysis result of the multi-head credit condition of the enterprise to the inquiring party.
For example, referring to fig. 3, fig. 3 is a schematic diagram of a specific embodiment of a wind control analysis implementation of a trust wind control system disclosed in the present application. The multi-head credit verification module receives a verification request for inquiring the multi-head credit condition of an enterprise and sends an enterprise credit data acquisition request to the data access module. For example, the enterprise X initiates a financing and credit application through the bank a credit system, and in order to confirm whether the enterprise has a multi-head credit condition, the bank a credit system initiates a verification request for inquiring the multi-head credit condition of the enterprise to the bank a multi-head credit wind control system. The data access module synchronizes enterprise trust information blocks uploaded by one or more bank block chain nodes from the block chain network, acquires enterprise trust data from the enterprise trust information blocks, and returns the enterprise trust data to the multi-head trust verification module. Specifically, the block chain node of the bank A multi-head credit air control system sends a request for acquiring enterprise X credit data to the block chain node of the bank B multi-head credit air control system and the block chain node of the bank C multi-head credit air control system, the block chain node of the bank B multi-head credit air control system and the block chain node of the bank C multi-head credit air control system respectively form credit information blocks for transmitting the credit information of the enterprise X in respective bank credit databases to the block chain, and the block chain nodes of the bank A multi-head credit air control system synchronize and acquire the enterprise X credit information block data uploaded by the block chain node of the bank B multi-head credit air control system and the block chain node of the bank C multi-head credit air control system. The multi-head trust verification module acquires local trust data of the enterprise from the trust database module, combines and analyzes the local trust data with the enterprise trust data acquired from the blockchain, and verifies the multi-head trust condition of the enterprise. Specifically, the bank a multi-head credit air control system integrates enterprise X credit data of other banks and self-banks to analyze, for example, whether more than two banks have effective credit loan data, whether the credit limit exceeds the limit, whether the payment is normally performed, and the like. And the multi-head credit verification module returns the analysis result of the multi-head credit condition of the enterprise to the inquiring party. And the bank A multi-head credit air control system returns the multi-head credit air control analysis result of the enterprise X to the bank A credit system, and the bank A credit system carries out approval on the financing credit application of the enterprise X according to the analysis result and other credit reporting.
Referring to fig. 4, fig. 4 shows a block chain-based trust wind control method according to an embodiment of the present application, including:
step S11: and acquiring a multi-head credit verification request for the target enterprise, which is sent by the first financial institution credit system.
Step S12: acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system.
In a specific embodiment, the present embodiment may send, to the target blockchain node, a request for obtaining the trusted data corresponding to the target enterprise, so that the target blockchain node uploads the first trusted data maintained by the second financial institution credit system to a blockchain network, and then obtains the first trusted data from the blockchain network.
Step S13: performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system.
And then, sending the credit control analysis result of the credit giving and air control to the credit system of the first financial institution.
And, the embodiment of the application can respond to the request corresponding to the credit system of the second financial institution to upload the enterprise credit data corresponding to the request to the blockchain network so that the second financial institution can carry out credit wind control analysis and verification of the corresponding enterprise. The second financial institution is a institution corresponding to the second financial institution credit system.
Therefore, the embodiment of the application obtains the multi-head credit verification request for the target enterprise sent by the first financial institution credit system; acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system. That is, in the embodiment of the application, the trust data of the enterprise under other financial institutions is obtained from the blockchain network, and the trust analysis and verification are performed by using the obtained trust data and the trust data of the enterprise maintained by the institution, so as to obtain the trust wind control analysis result. Thus, the financial institution can timely master the credit giving condition of the enterprise through the blockchain network, and the problems of multi-head credit giving and excessive credit giving of the enterprise are avoided.
Referring to fig. 5, an embodiment of the present application discloses an electronic device including a processor 21 and a memory 22; wherein the memory 22 is used for storing a computer program; the processor 21 is configured to execute the computer program to implement the following steps:
acquiring a multi-head credit verification request for a target enterprise, wherein the multi-head credit verification request is sent by a first financial institution credit system; acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system.
Therefore, the embodiment of the application obtains the multi-head credit verification request for the target enterprise sent by the first financial institution credit system; acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system. That is, in the embodiment of the application, the trust data of the enterprise under other financial institutions is obtained from the blockchain network, and the trust analysis and verification are performed by using the obtained trust data and the trust data of the enterprise maintained by the institution, so as to obtain the trust wind control analysis result. Thus, the financial institution can timely master the credit giving condition of the enterprise through the blockchain network, and the problems of multi-head credit giving and excessive credit giving of the enterprise are avoided.
In this embodiment, when the processor 21 executes the computer subroutine stored in the memory 22, the following steps may be specifically implemented: and sending the credit control analysis result of the credit giving wind control to the credit system of the first financial institution.
In this embodiment, when the processor 21 executes the computer subroutine stored in the memory 22, the following steps may be specifically implemented: and sending a request for acquiring the credit data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first credit data maintained by the credit system of the second financial institution to a blockchain network, and then acquires the first credit data from the blockchain network.
In this embodiment, when the processor 21 executes the computer subroutine stored in the memory 22, the following steps may be specifically implemented: responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit data corresponding to the request to a blockchain network so that the second financial institution performs credit management and wind control analysis and verification of the corresponding enterprise.
Referring to fig. 6, the present application discloses a server 20 including a processor 21 and a memory 22 as disclosed in the foregoing embodiments. The steps that the processor 21 may specifically perform may refer to the corresponding contents disclosed in the foregoing embodiments, and will not be described herein.
Further, the server 20 in the present embodiment may further specifically include a power supply 23, a communication interface 24, an input/output interface 25, and a communication bus 26; wherein, the power supply 23 is used for providing working voltage for each hardware device on the server 20; the communication interface 24 can create a data transmission channel between the server 20 and an external device, and the communication protocol to be followed is any communication protocol applicable to the technical solution of the present application, which is not limited in detail herein; the input/output interface 25 is used for acquiring external input data or outputting external output data, and the specific interface type thereof may be selected according to the specific application requirement, which is not limited herein.
Further, the embodiment of the application also discloses a computer readable storage medium for storing a computer program, wherein the computer program realizes the following steps when being executed by a processor:
acquiring a multi-head credit verification request for a target enterprise, wherein the multi-head credit verification request is sent by a first financial institution credit system; acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system.
Therefore, the embodiment of the application obtains the multi-head credit verification request for the target enterprise sent by the first financial institution credit system; acquiring the first trust data from a blockchain network; the first trust data is the trust data corresponding to the target enterprise uploaded to the blockchain network by the target area chain node; the target blockchain node is a blockchain node corresponding to a second financial institution credit system; performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second trust data is trust data for the target business maintained by the first financial institution credit system. That is, in the embodiment of the application, the trust data of the enterprise under other financial institutions is obtained from the blockchain network, and the trust analysis and verification are performed by using the obtained trust data and the trust data of the enterprise maintained by the institution, so as to obtain the trust wind control analysis result. Thus, the financial institution can timely master the credit giving condition of the enterprise through the blockchain network, and the problems of multi-head credit giving and excessive credit giving of the enterprise are avoided.
In this embodiment, when the computer subroutine stored in the computer readable storage medium is executed by the processor, the following steps may be specifically implemented: and sending the credit control analysis result of the credit giving wind control to the credit system of the first financial institution.
In this embodiment, when the computer subroutine stored in the computer readable storage medium is executed by the processor, the following steps may be specifically implemented: and sending a request for acquiring the credit data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first credit data maintained by the credit system of the second financial institution to a blockchain network, and then acquires the first credit data from the blockchain network.
In this embodiment, when the computer subroutine stored in the computer readable storage medium is executed by the processor, the following steps may be specifically implemented: responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit data corresponding to the request to a blockchain network so that the second financial institution performs credit management and wind control analysis and verification of the corresponding enterprise.
In this specification, each embodiment is described in a progressive manner, and each embodiment is mainly described in a different point from other embodiments, so that the same or similar parts between the embodiments are referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant points refer to the description of the method section.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. The software modules may be disposed in Random Access Memory (RAM), memory, read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above details of the system, the method, the device and the medium for controlling the trust based on the blockchain are provided by the application, and specific examples are applied to the explanation of the principle and the implementation of the application, and the explanation of the above examples is only used for helping to understand the method and the core idea of the application; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present application, the present description should not be construed as limiting the present application in view of the above.
Claims (8)
1. The block chain-based trust wind control system is characterized by comprising a multi-head trust verification module, a data access module and a trust database module; wherein,
the multi-head credit verification module is used for acquiring a multi-head credit verification request for a target enterprise sent by a credit system of a first financial institution, and carrying out analysis and verification by utilizing the first credit data and the second credit data so as to obtain a corresponding credit wind control analysis result; the first credit granting data is credit granting data corresponding to the target enterprise of the target blockchain node uploading to a blockchain network; the second credit authorization data is the credit authorization data of the target enterprise maintained by the credit system of the first financial institution stored in the credit authorization database module; the target blockchain node is a blockchain node corresponding to a second financial institution credit system;
the data access module is used for acquiring the first trust data from a blockchain network and sending the acquired first trust data to the multi-head trust verification module;
the credit authorization database module is used for storing credit authorization data of each enterprise maintained by the credit system of the first financial institution;
the data access module is specifically configured to send a request for obtaining trusted data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first trusted data maintained by the credit system of the second financial institution to a blockchain network, and then the data access module obtains the first trusted data from the blockchain network.
2. The blockchain-based trusted air control system of claim 1, wherein,
the multi-head credit verification module is further used for sending the credit control analysis result to the first financial institution credit system.
3. The blockchain-based trusted air control system of claim 1, wherein,
the data access module is further configured to respond to a request of the credit management system of the second financial institution, so that the enterprise credit management data corresponding to the request stored in the credit management database is uploaded to the blockchain network, so that the credit management system of the second financial institution performs credit management analysis and verification of the corresponding enterprise.
4. A block chain-based trust wind control method is characterized by comprising the following steps:
acquiring a multi-head credit verification request for a target enterprise, wherein the multi-head credit verification request is sent by a first financial institution credit system;
obtaining first trust data from a blockchain network; the first credit granting data is credit granting data corresponding to the target enterprise of the target blockchain node uploading to a blockchain network; the target blockchain node is a blockchain node corresponding to a second financial institution credit system;
performing analysis and verification by using the first credit authorization data and the second credit authorization data to obtain a corresponding credit authorization wind control analysis result; the second credit data is the credit data of the target enterprise maintained by the first financial institution credit system;
wherein the obtaining the first trust data from the blockchain network includes:
and sending a request for acquiring the credit data corresponding to the target enterprise to the target blockchain node, so that the target blockchain node uploads the first credit data maintained by the credit system of the second financial institution to a blockchain network, and then acquires the first credit data from the blockchain network.
5. The blockchain-based trust pneumatic control method of claim 4, further comprising:
and sending the credit control analysis result of the credit giving wind control to the credit system of the first financial institution.
6. The blockchain-based trust pneumatic control method of claim 4, further comprising:
responding to the request corresponding to the credit system of the second financial institution, and uploading enterprise credit data corresponding to the request to a blockchain network so that the second financial institution performs credit management and wind control analysis and verification of the corresponding enterprise.
7. An electronic device comprising a processor and a memory; wherein,
the memory is used for storing a computer program;
the processor is configured to execute the computer program to implement the trust wind control method according to any one of claims 4 to 6.
8. A computer readable storage medium for storing a computer program, wherein the computer program when executed by a processor implements the trusted wind control method of any one of claims 4 to 6.
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| CN112330445A (en) * | 2021-01-04 | 2021-02-05 | 树根互联技术有限公司 | Loan risk management method and system |
| 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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