CN111667283B - Personal credit investigation system based on block chain - Google Patents
Personal credit investigation system based on block chain Download PDFInfo
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- CN111667283B CN111667283B CN202010502269.5A CN202010502269A CN111667283B CN 111667283 B CN111667283 B CN 111667283B CN 202010502269 A CN202010502269 A CN 202010502269A CN 111667283 B CN111667283 B CN 111667283B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/018—Certifying business or products
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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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]
Abstract
The invention discloses a block chain-based personal credit investigation system, which comprises third-party information, an identity management system, a block chain personal credit investigation system, a credit investigation module and a data feedback module, wherein the third-party information and the identity management system are in bidirectional connection, and the output ends of the third-party information and the identity management system are respectively connected with the input end of the block chain personal credit investigation system through a wireless network. According to the individual credit investigation system based on the block chain, firstly, the system can collect various different three-party information, so that credit investigation content is enriched, the credit investigation accuracy is improved, the identity management system can log in and manage the individual identity information, the individual authority is increased while the individual identity is uploaded, the problem that the credit investigation information is incomplete or fake under the traditional condition and the individual credit investigation grade is influenced is avoided, after the credit investigation information is collected, classification and encryption can be carried out subsequently, and the information safety is improved.
Description
Technical Field
The invention relates to the technical field of personal credit investigation, in particular to a personal credit investigation system based on a block chain.
Background
The personal credit investigation refers to the activities of collecting and processing personal credit information by a personal credit investigation organization established by law, and providing personal credit information inquiry and evaluation services according to the requirements of users. The personal credit report is the personal credit history record provided by legal information inquirer after processing and sorting the information collected by the credit investigation organization according to the law, and is mainly used for various credit consuming services of the bank at present. With the continuous improvement of the social credit system, credit reports are more widely used in various fields such as business credit, credit transaction and job recruitment. In addition, the personal credit report also provides a way for the inquirer to examine and regulate the credit history behavior of the inquirer himself, and forms a verification mechanism of the personal credit information. With the increase of the customer requirements, the data of the personal credit investigation system is not limited to the traditional operation categories such as credit records, and the attention gradually turns to the business field of providing the social comprehensive data service. The personal credit investigation system contains wide and accurate consumer information, can solve the restriction of insufficient information amount of customers on enterprise marketing, and helps enterprises to contact own target clients in the most effective and most economical mode, so that the personal credit investigation system has extremely high market value, and the application of the personal credit investigation system is also expanded to the fields of direct marketing, retail sale and the like.
However, the conventional personal credit investigation system has a relatively single source for acquiring information, which is not favorable for comprehensively judging personal credit investigation, so that the credit investigation information is relatively blocked, the authority of the system is influenced, and the authenticity of the credit investigation information is reduced because the information collected by a general credit investigation system is relatively wrong.
Disclosure of Invention
The invention aims to provide a block chain-based personal credit investigation system, which aims to solve the problems that the conventional personal credit investigation system in the background art has a single information acquisition source, is not favorable for comprehensively judging personal credits, causes relatively blocking credit investigation information, influences the authority of the system, and causes the authenticity of credit investigation information to be reduced due to relatively wrong information collected by a common credit investigation system.
In order to achieve the purpose, the invention provides the following technical scheme: a personal credit investigation system based on a block chain comprises third-party information, an identity management system, a block chain personal credit investigation system, a credit investigation query module and a data feedback module, wherein the third-party information and the identity management system are in bidirectional connection, the output ends of the third-party information and the identity management system are respectively connected with the input end of the block chain personal credit investigation system through a wireless network, the block chain personal credit investigation system is in bidirectional connection with the credit investigation query module, the output end of the credit investigation query module is connected with the input end of the data feedback module, and the output end of the data feedback module is connected with the input end of the block chain personal credit investigation system;
the block chain personal credit investigation system internally comprises a credit investigation integration module, a credit investigation encryption module and a risk rating module, wherein:
the credit investigation integration module: the module can collect and integrate credit investigation information uploaded by a user and credit investigation information of a third party, classify the collected credit investigation information, and generate data analysis and credit investigation reports according to different categories, wherein the classified categories can be personal credit information, personal basic information, personal credit information, public payment information and the like;
a credit investigation encryption module: the module can encrypt different credit investigation reports, the encrypted verification code needs to be associated with the basic information of the user, and the encrypted credit investigation reports can be uploaded to the inside of a credit investigation system for storage;
a risk rating module: the module can be used for carrying out risk rating on the multiple credit investigation reports of the individuals, the risk rating module comprises three credit dimensions including a first-level risk, a second-level risk and a third-level risk, the evaluation standards of the three credit dimensions are sequentially improved, and the risk rating module can be used for regularly updating the credit risk level of the individuals.
Preferably, the block chain personal credit investigation system is connected with an authentication end and a non-authentication end, the authentication end comprises a personal login node, a financial institution login node and a credit investigation party login node, the personal login node is in bidirectional connection with the block chain personal credit investigation system, the block chain personal credit investigation system is in bidirectional connection with the credit investigation party login node, and the output end of the financial institution login node is connected with the input end of the block chain personal credit investigation system.
Preferably, the non-authentication end includes an operator three-party data transmission node, an output end of the operator three-party data transmission node is connected with an input end of the block chain personal credit investigation system, and the operator three-party data transmission node is included in the mobile terminal.
Preferably, the credit investigation system comprises a credit investigation party verification login, a request individual authorization and credit investigation downloading decryption, and the credit investigation module accesses the blockchain individual credit investigation system by means of the identity management system.
Preferably, the identity management system comprises login authentication management, personal information uploading and information secondary confirmation, wherein the login authentication management needs to input personal login information, and the input end of the information secondary confirmation is connected with the output end of the data feedback module.
Preferably, the mobile terminals can exist in large quantity at the same time, and the requesting individual authorization inside the credit investigation module corresponds to the identity management system one by one.
Compared with the prior art, the invention has the beneficial effects that: the personal credit investigation system based on the block chain can collect various different three-party information, credit investigation content is convenient to enrich, credit investigation accuracy is improved, the identity management system can log in and manage the personal identity information, personal authority is increased while the personal identity is uploaded, the problem that credit investigation information is incomplete or fake under the traditional condition and personal credit investigation grade is influenced is avoided, after the credit investigation information is collected, classification and encryption can be carried out subsequently, information safety is improved, three credit dimensions including primary risk, secondary risk and tertiary risk are included in the risk rating module, evaluation standards of the three credit dimensions are sequentially improved, the risk rating module can regularly update the personal credit risk grade, and convenience is provided for checking credit investigation parties and financial institution login parties.
And thirdly, after the block chain-based personal credit investigation system carries out information credit investigation, the block chain-based personal credit investigation system can feed back data to a user in time, and the secondary confirmation of the information helps to increase the accuracy of the block chain personal credit investigation, further improve the intervention degree of the individual to the credit investigation system and increase the practicability of the system.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention;
FIG. 2 is a block chain personal credit system connection diagram of the present invention;
FIG. 3 is a schematic diagram of the inside of the credit investigation module according to the present invention;
FIG. 4 is a schematic diagram of the identity management system according to 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. 1-4, the present invention provides a technical solution: a personal credit investigation system based on a block chain comprises third-party information, an identity management system, a block chain personal credit investigation system, a credit investigation query module and a data feedback module, wherein the third-party information and the identity management system are in bidirectional connection;
the block chain personal credit investigation system internally comprises a credit investigation integration module, a credit investigation encryption module and a risk rating module, wherein:
the credit investigation integration module: the module can collect and integrate credit investigation information uploaded by a user and credit investigation information of a third party, classify the collected credit investigation information, and generate data analysis and credit investigation reports according to different categories, wherein the classified categories can be personal credit information, personal basic information, personal credit information, public payment information and the like;
the credit investigation encryption module: the module can encrypt different types of credit investigation reports, the encrypted verification code needs to be associated with basic information of the user, and the encrypted credit investigation reports can be uploaded to the inside of a credit investigation system to be stored;
a risk rating module: the module can carry out risk rating on multiple credit investigation reports of an individual, the risk rating module comprises three credit dimensions including a first-level risk, a second-level risk and a third-level risk, the evaluation standards of the three credit dimensions are sequentially improved, and the risk rating module can regularly update the credit risk level of the individual.
In the invention: the block chain personal credit investigation system is connected with a verification end and a non-verification end, the verification end comprises a personal login node, a financial institution login node and a credit investigation party login node, the personal login node is in bidirectional connection with the block chain personal credit investigation system, the block chain personal credit investigation system is in bidirectional connection with the credit investigation party login node, and the output end of the financial institution login node is connected with the input end of the block chain personal credit investigation system.
In the invention: the non-verification end comprises an operator three-party data transmission node, the output end of the operator three-party data transmission node is connected with the input end of the block chain personal credit investigation system, and the operator three-party data transmission node is contained in the mobile terminal.
In the invention: the credit investigation inquiry system comprises a credit investigation party for verification and login, a request individual authorization and credit investigation downloading decryption, and the credit investigation inquiry module accesses the block chain individual credit investigation system by virtue of the identity management system.
In the invention: the identity management system comprises login authentication management, personal information uploading and information secondary confirmation, wherein the login authentication management needs to input personal login information, and the input end of the information secondary confirmation is connected with the output end of the data feedback module.
In the invention: the mobile terminals can exist in large quantity at the same time, and request individual authorization in the credit investigation module corresponds to the identity management system one by one.
The working principle is as follows: before the system is used, an identity management system needs to be built in the mobile terminal, a person needs to register and log in personal information in the credit investigation process to help ensure the safety of an account number in the later period, meanwhile, a user uploads the basic personal information after logging in the identity management system, and opens the receiving authority of the mobile terminal for third-party information to ensure the timely feedback of various credit financial software or operators to the personal credit investigation information, and meanwhile, the information can enter the block chain personal credit investigation system after being uploaded to help the next operation.
In the using process of the invention, the block chain-based personal credit investigation system needs to collect and integrate credit investigation information uploaded by a person and credit investigation information of a third party by using a credit investigation integration module, then classifies the collected credit investigation information into categories such as personal credit information, personal basic information, personal credit information, public payment information and the like, generates data analysis and credit investigation reports according to the different categories, encrypts the credit investigation reports to avoid information leakage, correlates the encrypted verification codes with the basic information of the person, can upload the encrypted credit investigation reports into the credit investigation system for storage, carries out risk rating on a plurality of credit investigation reports of the person, comprises three credit dimensions of primary risk, secondary risk and tertiary risk from the risk rating module, and improves the evaluation standards of the three credit dimensions in sequence, the method provides convenience for checking the credit investigation party and the financial institution login party, if the credit investigation party and the financial institution login party need to check the personal credit investigation information, firstly, the authority of a verifier is needed, and the personal authorization is required to be requested, the credit investigation report can be downloaded, decrypted and viewed under the condition of the personal authorization, a third party needs to feed back data in time in the process of expanding the personal credit investigation information, the third party can upload the data after the personal authentication, and the third party needs to update regularly, so that the accuracy of the credit investigation information is ensured.
In summary, the following steps: the individual credit investigation system based on the block chain can collect various different three-party information, so that credit investigation content is enriched, the credit investigation accuracy is improved, the identity management system can log in and manage the individual identity information, the individual authority is increased while the individual identity information is uploaded, the problem that the individual credit investigation level is influenced due to incomplete or fake credit investigation information under the traditional condition is solved, the credit investigation information can be classified and then encrypted after being collected, the information safety is improved, the three credit dimensions of primary risk, secondary risk and tertiary risk are included in the risk rating module, the judgment standards of the three credit dimensions are sequentially improved, the risk rating module can regularly update the individual credit risk level, and convenience is provided for checking of credit investigation parties and financial institution login parties.
And thirdly, after the block chain-based personal credit investigation system carries out information credit investigation, the block chain-based personal credit investigation system can feed back data to a user in time, and the secondary confirmation of the information helps to increase the accuracy of the block chain personal credit investigation, further improve the intervention degree of the individual to the credit investigation system and increase the practicability of the system.
It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
The related modules involved in the system are all hardware system modules or functional modules combining computer software programs or protocols with hardware in the prior art, and the computer software programs or the protocols involved in the functional modules are all known in the technology of persons skilled in the art, and are not improvements of the system; the improvement of the system is the interaction relation or the connection relation among all the modules, namely the integral structure of the system is improved, so as to solve the corresponding technical problems to be solved by the system.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (4)
1. A block chain-based personal credit investigation system comprises third-party information, an identity management system, a block chain personal credit investigation system, a credit investigation module and a data feedback module, and is characterized in that: the third-party information and the identity management system are in bidirectional connection, the output ends of the third-party information and the identity management system are respectively connected with the input end of a block chain personal credit investigation system through a wireless network, the block chain personal credit investigation system is in bidirectional connection with a credit investigation module, the output end of the credit investigation module is connected with the input end of a data feedback module, and the output end of the data feedback module is connected with the input end of the block chain personal credit investigation system;
the block chain personal credit investigation system internally comprises a credit investigation integration module, a credit investigation encryption module and a risk rating module, wherein:
and a credit investigation integration module: the module collects and integrates credit investigation information uploaded by a user and credit investigation information of a third party, classifies the collected credit investigation information into personal credit information, personal basic information, personal credit information and public payment information according to classification categories, and generates data analysis and credit investigation reports according to the different categories;
a credit investigation encryption module: the module encrypts different credit investigation reports, the encrypted verification code needs to be associated with the basic information of the user, and the encrypted credit investigation reports are uploaded to the inside of a credit investigation system for storage;
a risk rating module: the module carries out risk rating on the multiple credit investigation reports of the individuals, the risk rating module comprises three credit dimensions of primary risk, secondary risk and tertiary risk, the evaluation standards of the three credit dimensions are sequentially improved, and the risk rating module can regularly update the credit risk level of the individuals;
the block chain personal credit investigation system is connected with two parts, namely a verification end and a non-verification end, wherein the verification end comprises a personal login node, a financial institution login node and a credit investigation party login node;
the non-verification end comprises an operator three-party data transmission node, the output end of the operator three-party data transmission node is connected with the input end of the block chain personal credit investigation system, and the operator three-party data transmission node is contained in the mobile terminal.
2. The system according to claim 1, wherein: the credit investigation module comprises a credit investigation party verification login, a request individual authorization and credit investigation downloading decryption, and accesses the block chain individual credit investigation system by virtue of the identity management system.
3. The system according to claim 1, wherein the identity management system comprises login authentication management, personal information uploading and secondary information confirmation, the login authentication management needs to input login information of an individual, and an input end of the secondary information confirmation is connected with an output end of the data feedback module.
4. The system according to claim 3, wherein: the mobile terminals exist in large quantity at the same time, and the requesting individual authorization inside the credit investigation module corresponds to the identity management system one by one.
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| CN112561679B (en) * | 2020-12-08 | 2024-02-13 | 爱信诺征信有限公司 | Credit investigation system, method, electronic equipment and storage medium |
| CN114418726A (en) * | 2021-12-01 | 2022-04-29 | 深圳市银之杰科技股份有限公司 | Credit investigation data stream processing method |
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