CN111861479A - Financial institution client identity recognition method based on block chain and 5G technology - Google Patents
Financial institution client identity recognition method based on block chain and 5G technology Download PDFInfo
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Abstract
The application discloses a financial institution (anti-money laundering) client identity identification method based on a blockchain and a 5G technology, which comprises the following steps: receiving customer identification information sent by a financial institution, packaging the information into blocks, and writing the information into a block chain; and receiving a request for inquiring the customer identification information, and judging whether the grasped customer identification information and the customer identification information stored by using the blockchain and 5G technology meet the customer identification requirement of the financial institution or not according to the obtained customer information. The client identification information of each participating node is stored in the blockchain by establishing a trust mechanism for information sharing between each financial institution and part of related government institutions, and the client privacy and data security are protected by an asymmetric encryption technology of public key encryption and private key decryption.
Description
Technical Field
The application relates to the technical field of block chains, in particular to a financial institution (anti-money laundering) client identity identification method based on a block chain and utilizing 5G network transmission.
Background
The identification of a customer by a financial institution is confirmed by relevant information submitted by the customer at the financial institution, while the identification information of the customer of the same customer at one financial institution (such as occupation, address of residence or work unit, contact way, income condition, under-investigation condition, asset freezing condition and complaint condition) can be used and confirmed at other financial institutions, but because there is no intermediate trust mechanism between the financial institutions to promote the two parties to share and exchange information, there may be a case that the customer himself intentionally withholds, which causes the information island in the identification of the customer during confirmation.
Disclosure of Invention
An object of an embodiment of the present specification is to provide a method for managing transactions and 5G network transmission based on a blockchain, which is used to solve the following technical problems in the prior art:
each financial institution has an information island for the identity identification information of the client, and no mutually effective trust mechanism exists among the financial institutions to promote the sharing and the exchange of the information between the two parties.
The embodiment of the specification adopts the following technical scheme:
the embodiment of the application provides a financial institution (anti-money laundering) customer identification information confirmation method based on a blockchain and a 5G technology, which comprises the following steps:
receiving client identification information sent by a financial institution A, packaging the client identification information into blocks, and writing the blocks into a block chain;
and receiving a request for inquiring the customer identification information, and judging whether the customer with the customer identification information meets the customer identification requirement of the financial institution B or not according to the customer identification information in the request. And packaging the customer identification information of the financial institution B into a block, and writing the block into a block chain.
In one example, the receiving customer identification information sent by a financial institution, and packaging the customer identification information into a block, and writing the block into a block chain, includes:
receiving C customer identification information sent by a C financial institution, and encrypting the C customer identification information through a public key of the C financial institution;
and receiving the identity identification information of the client C sent by the financial institution D, and encrypting the identity identification information of the client C through a public key of the financial institution D.
And receiving the identity identification information of the client C sent by the financial institution E, and encrypting the identity identification information of the client C through the public key of the financial institution E.
In one example, further comprising:
and acquiring tax payment information (information related to occupation, income and the like) of the client, and judging whether to pack and write the client identification information into the block chain according to the tax payment information.
Acquiring the information to be collaborated of the client, and judging whether to pack and write the client identification information into the block chain according to the information to be collaborated.
And acquiring asset freezing information of a client, and judging whether to pack and write the client identification information into the block chain according to the asset freezing.
And acquiring the complaint information of the customer, and judging whether to pack and write the customer identification information into the block chain according to the complaint.
And acquiring the credit information of the client, and judging whether to pack and write the client identification information into the block chain according to the credit information condition.
In one example, a smart contract with non-modifiable properties is placed on the blockchain that manages the customer identification information.
In one example, the nodes of the blockchain include: financial institutions, even including public inspection systems, certificate authorities, exchange, deep exchanges, national stock-to-system, national tax authorities, and people's banks.
The technical scheme adopted by the embodiment of the specification can obtain the following beneficial effects:
based on the storage technology and the 5G technology of the blockchain, the identity identification information of the client of each node is stored in the blockchain by establishing a mutual trust mechanism among financial institutions, and meanwhile, the security and the privacy of the client data are protected through a 5G network and an asymmetric encryption technology.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or 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 invention.
FIG. 1 is a schematic flow chart of a method provided in the embodiments of the present disclosure
Detailed Description
The embodiment of the specification provides a financial institution client identity recognition method based on a blockchain and 5G technology
In order to make those skilled in the art better understand the technical solutions in the present specification, the technical solutions in the embodiments of the present specification will be described accurately and clearly in the following with reference to the drawings in the embodiments of the present specification, and it is obvious that the described embodiments are only a part of the embodiments of the present specification, and not all the embodiments. All other embodiments obtained by a person skilled in the art based on the embodiments in the present specification without any inventive step should fall within the scope of protection of the present specification.
The financial institution in the embodiment of the present application refers to a financial institution with an anti-money laundering obligation defined in "method for identifying client identity, information of client identity, and storing and managing transaction record of financial institution" (the national Committee for the supervision and management of the China Committee for securities and supervision, China Committee for the supervision and management of the national banking industries, China Committee for the supervision and management of the China insurance supervision, China Committee for the supervision and management of the China insurance No. 2007] No. 2). The financial institution mainly comprises policy bank, commercial bank, rural cooperative bank, city credit cooperative, and rural credit cooperative; securities, futures, fund management; insurance companies, insurance asset management companies; a trusted company, a financial asset management company, a finance company, a financial leasing company, an automotive finance company, a money brokerage company; and other financial institutions established and published by the national people's banks.
The customer identification information in the embodiment of the application refers to customer identification information which is mastered by the financial institution through legal regulation modes and means, namely, customer identification information which is mastered by the financial institution through legal regulation, and corresponding measures are taken for the customers with different money laundering or terrorist financing risk characteristics, business relations or transactions, so that the customers, transaction purposes and transaction properties are known, and natural persons who actually control the customers and actual beneficiaries of the transactions are known. The customer identification information is obtained mainly by self-filling of customers, return visit of financial institutions to customers, field visit, verification to departments such as public security, industrial and commercial administrative management and the like.
The client identification information mainly comprises: the client identity basic information, income condition, collaborated condition, asset freezing condition, complaint condition and the like, and also comprises the signature commitment information of the client for accurate information when the information called in the block chain is different from the information provided by the client.
The 'identity basic information' of the natural person client comprises the name, the gender, the nationality, the occupation, the address of the residence or work unit, the contact address, the type, the number and the valid period of the identity document or the identity certificate document of the client. The residence of the customer is inconsistent with the frequent residence, and the frequent residence of the customer is registered. The 'identity basic information' of the legal, other organizations and individual industrial and commercial customers comprises the names, residences, business ranges, organization codes and tax registration card numbers of the customers; the name, number and valid period of the license, certificate or document which can prove the client to establish or develop business and social activities according to the law; the names, identity documents or identity document types, numbers and valid periods of the stockholders or actual controllers, legal representatives, responsible persons and authorized business handling personnel, and the historical conditions of the received warning letters, the cooperation letters, the inquiry letters and the supervision letters.
The technical scheme in the embodiment of the application mainly combines a block chain and a 5G technology, and realizes the intercommunication of the client identification information and data which are known in the anti-money laundering obligation process of each financial institution, and meanwhile, the privacy of the client is guaranteed based on an asymmetric encryption technology.
Fig. 1 is a schematic flow chart of a method provided in an embodiment of the present disclosure, including:
s101, receiving customer identification information sent by a financial institution, packaging the customer identification information into a block, and writing the block into a block chain;
s102, receiving a request for inquiring the customer identification information, and judging whether the customer related to the customer identification information meets the customer identification requirement of the financial institution or not according to the customer identification information in the request.
Through the technical scheme provided by the embodiment of the application, the identification information of the client only needs to be registered in one financial institution, and other financial institutions can indirectly check the client by means of data in the block chain.
The block chain is also called as a distributed account book technology, is an internet database technology and is characterized in that centralization and openness are realized, and each node can participate in database recording. The blockchain cryptographically secures the data as being tamper-proof and forgery-proof. Although blockchain techniques have been developed for many years, there are fewer applications in a particular scenario.
According to the specific embodiment of the application, the block chain is provided with an intelligent contract for managing the identity identification information of the client, and the intelligent contract is a special protocol and aims to provide, verify and execute the contract. In particular, smart contracts are an important reason why blockchains are referred to as "decentralized," which allows us to perform traceable, irreversible, and secure transactions without the need for third parties. The node obtains the right of writing and browsing the block chain data through the rule set by the intelligent contract, thereby protecting the safety of the identity identification information of the client to a great extent.
According to the embodiments of the present application, the setting of the nodes of the blockchain is not particularly limited, and at least a financial institution may also be used as the nodes by a government related department.
According to the specific embodiment of the present application, in step S101, the customer identification information sent by the financial institution a is received, and the customer identification information is packaged into a block and written into a block chain, and the smart contracts of the block chain receive the customer identification information sent by a plurality of financial institutions, where the customer identification information is already formed by the financial institutions in the operation process. Specifically, the method comprises the following steps: receiving C customer identification information sent by a C financial institution, and encrypting the C customer identification information through a public key of the C financial institution; and receiving the identity identification information of the client C sent by the financial institution D, and encrypting the identity identification information of the client C through a public key of the financial institution D. It can be understood that the present application does not limit the number of participating nodes, nor does it limit clients.
According to the embodiment of the invention, the customer identification information formed by the financial institution can be formed by the following modes: receiving customer identification information sent by a customer and verifying the customer identification information by the financial institution, wherein the customer identification information is filled by the customer according to the requirements of the financial institution and can be acquired by the financial institution through a legal allowed method; and after verification, the client is determined to meet the identification requirement of the client of the financial institution, and the identification information of the client corresponding to the client is packaged into a block and written into the block chain.
The intelligent contract is provided with a plurality of communication interfaces, each communication interface corresponds to different financial institutions, so that each financial institution realizes information intercommunication through the communication interface, and a client can package and write client identification information into the block chain after the client authenticates one financial institution and share information with other financial institutions in the block chain.
When a client identifies the identity of a financial institution, the block chain generates a public key and a private key for the client, the public key is used for encryption, the private key is used for decryption, and the intelligent contract encrypts the identity identification information of the client by using the public key and then stores the encrypted information into the block chain. After obtaining the authorized private key of the client, other financial institutions can decrypt and view the identification information of the client and finish the identification of the client at the financial institution.
Since the information sharing is realized based on the intelligent contract, each node on the blockchain can participate in supervision, so that the identification information of the client can be obtained more reliably and truthfully.
In some preferred embodiments of the present application, when the client is not authenticated for the first time, the client may be authenticated again by other methods, including: receiving other certification information of the client with failed verification, such as tax payment information, credit information, a condition of being collaborated, an asset freezing condition, a complaint condition and the like, and writing the acquired information into a block chain.
Specifically, the intelligent contracts on the blockchain can respectively establish communication interfaces with a national tax administration, a human credit investigation system and the like, and whether the information is packaged and written into the blockchain is judged through a preset threshold value and an algorithm.
The above description is only an example of the present specification, and is not intended to limit the present specification. Various modifications and alterations to this description will become apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present specification should be included in the scope of the claims of the present specification.
Claims (5)
1. A financial institution (anti-money laundering) customer identification method based on blockchain and 5G technology, which is characterized by comprising the following steps:
receiving client identification information sent by a financial institution A, packaging the client identification information into a block, and writing the block into a block chain;
and receiving a request for inquiring the customer identification information, and judging whether the customer of the customer identification information meets the customer identification requirement of the financial institution B or not according to the customer identification information in the request. And packaging the customer identification information of the financial institution B into a block, and writing the block into a block chain.
2. The method of claim 1, wherein the information is transmitted over a 5G network, taking advantage of its encryptability, high bandwidth, high reliability, low latency, etc.
3. The method of claim 1, wherein receiving customer identification information sent by a financial institution and packaging the customer identification information into blocks for writing into a block chain comprises:
receiving C customer identification information sent by a C financial institution, and encrypting the C customer identification information through a public key of the C financial institution;
and receiving the identity identification information of the client C sent by the financial institution D, and encrypting the identity identification information of the client C through a public key of the financial institution D.
And receiving the identity identification information of the client C sent by the financial institution E, and encrypting the identity identification information of the client C through the public key of the financial institution E.
4. The method of claim 1, wherein intelligent contracts with non-modifiable capabilities are provided on the blockchain to manage the customer identification information.
5. The method according to claim 1, wherein the nodes of the block chain comprise at least financial institutions with anti-money laundering obligations, even institutions such as public inspection systems, certificate authorities, issuers, deep exchanges, national stock-to-system, national tax authorities, people's banks, and the like.
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| CN202010912769.6A CN111861479A (en) | 2020-09-03 | 2020-09-03 | Financial institution client identity recognition method based on block chain and 5G technology |
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| CN202010912769.6A CN111861479A (en) | 2020-09-03 | 2020-09-03 | Financial institution client identity recognition method based on block chain and 5G technology |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112700251A (en) * | 2021-01-08 | 2021-04-23 | 北京金山云网络技术有限公司 | Identity confirmation method, device and system in financial scene |
| CN112862589A (en) * | 2021-01-08 | 2021-05-28 | 北京金山云网络技术有限公司 | Identity verification method, device and system in financial scene |
| CN113222717A (en) * | 2021-06-09 | 2021-08-06 | 中国银行股份有限公司 | Fund substitute management service method and system based on block chain and 5G message |
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| US20190058595A1 (en) * | 2017-08-16 | 2019-02-21 | Royal Bank Of Canada | Platform for generating authenticated data objects |
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| US20190058595A1 (en) * | 2017-08-16 | 2019-02-21 | Royal Bank Of Canada | Platform for generating authenticated data objects |
| CN109361688A (en) * | 2018-11-16 | 2019-02-19 | 大唐高鸿信息通信研究院（义乌）有限公司 | It is a kind of that card method and system are deposited based on 5G framework and block chain |
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Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112700251A (en) * | 2021-01-08 | 2021-04-23 | 北京金山云网络技术有限公司 | Identity confirmation method, device and system in financial scene |
| CN112862589A (en) * | 2021-01-08 | 2021-05-28 | 北京金山云网络技术有限公司 | Identity verification method, device and system in financial scene |
| CN112862589B (en) * | 2021-01-08 | 2024-04-23 | 北京金山云网络技术有限公司 | Authentication method, device and system in financial scene |
| CN112700251B (en) * | 2021-01-08 | 2024-05-03 | 北京金山云网络技术有限公司 | Identity confirmation method, device and system in financial scene |
| CN113222717A (en) * | 2021-06-09 | 2021-08-06 | 中国银行股份有限公司 | Fund substitute management service method and system based on block chain and 5G message |
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