CN112308701A - Decentralized bank tax interaction system - Google Patents

Decentralized bank tax interaction system Download PDF

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CN112308701A
CN112308701A CN202011148825.XA CN202011148825A CN112308701A CN 112308701 A CN112308701 A CN 112308701A CN 202011148825 A CN202011148825 A CN 202011148825A CN 112308701 A CN112308701 A CN 112308701A
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tax
bank
data
node
enterprise
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阚海斌
刘一江
刘百祥
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Fudan University
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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/604—Tools and structures for managing or administering access control systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • 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
    • G06Q40/12—Accounting
    • G06Q40/123—Tax preparation or submission
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2141—Access rights, e.g. capability lists, access control lists, access tables, access matrices

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Abstract

The invention belongs to the technical field of financial science and technology, and particularly relates to a centralized bank tax removing interaction system. The bank and tax interaction system comprises nodes of enterprises, banks, tax, supervision and the like, other nodes of finance and the like, a bottom chain for storing information, an attribute password service platform and a system contract layer. The system is mainly used for banks and enterprises, tax-related data are encrypted and then linked in real time and shared from a tax service system after the authorization of the enterprises is obtained, and the bank is regarded as one-time data transaction if the bank needs to obtain the tax-related data of the enterprises; after the data transaction is completed, the bank decrypts the data and then starts to use the data. By using the system, enterprises can participate in the whole process of the silver tax interaction, so that the concern of the enterprises on the problems such as data leakage is reduced, and meanwhile, the bank and the tax system directly interact through the system, so that the process is reduced, and the efficiency is improved. The system can further realize a credible cooperation network taking tax as a center, and realize information exchange of the service network.

Description

Decentralized bank tax interaction system
Technical Field
The invention belongs to the technical field of financial science and technology, and particularly relates to a centralized bank tax removing interactive system.
Background
The 'bank tax interaction', namely the interaction between a bank system and a tax system, mainly aims to solve the problem of asymmetric information between the bank system and the tax system. At the present stage, the loan willingness of the bank to the small and micro enterprises is generally weak, and the bank mainly considers that the related enterprises generally do not have good risk resistance and does not have strong motivation and resources to measure the actual operation conditions of the small and micro enterprises. However, the tax authorities related to the small and micro enterprises lack the knowledge of wide operating data of the enterprises, such as revenue, profit, tax creditability, and the like, and the data can objectively and accurately reflect the actual operating conditions of one enterprise. By means of bank tax interaction, a bank can acquire relevant data of an enterprise, provide a basis for collecting and paying money of the bank, and well solve the problem of difficult financing of high-quality small and micro enterprises.
However, in the existing bank and tax interaction mode, tax data related to enterprises need to go through a bank insurance prison and then be forwarded through a financial private network, so that the privacy is poor, and higher data leakage risk exists. In the bank and tax interaction process, the tax data is also privacy data of an enterprise, and the enterprise can worry about the problem of data leakage in the authorization process.
Based on the background, the invention utilizes the characteristics of block chain decentralization, non-falsification and the like to construct a multi-party and full-process traceable bank and tax interaction platform.
Disclosure of Invention
Aiming at the problems of the existing bank and tax interaction mode, the invention provides a block chain-based decentralized bank and tax interaction system, which is used for solving the problems of longer business process, more participating departments, higher data leakage risk and the like in the existing bank and tax interaction mode, eliminating enterprise doubt and constructing an efficient tax information privacy sharing system.
The invention provides a decentralized bank tax interaction system, which comprises: other nodes such as enterprise node, bank node, tax system node, supervision node, finance, customs, house management, the bottom chain of storage information, attribute password service platform and system contract layer, wherein:
the enterprise node refers to an enterprise related to a bank credit application and a tax data authorization application;
the bank node refers to a bank organization in the system, checks tax data authorized by the enterprise in the system, and issues corresponding loan for the enterprise as a loan-putting basis;
the tax system node is a tax authority operation node for counting enterprise tax related information;
the supervision nodes are related supervision institutions and all levels of departments in all the supervision institutions;
the other nodes refer to relevant organizations or departments with requirements on tax data, including finance, customs, reform committee, house management, soil management, court and the like;
the bottom-layer chain of the stored information is maintained by a tax node, a bank node and a supervision node together, and the node is responsible for the deployment and maintenance of the system and provides data storage service and a corresponding interface;
the service platform of the attribute password is maintained by each party and is responsible for the attribute granting and withdrawing of each node and the sending of the user key, thereby realizing flexible authority control;
the system contract layer comprises an authorization management contract, a data management contract and the like; the authorization management contract and the data management contract are responsible for encapsulating the functions of the system layer and are used for being called by each user contract. The authorization management contract is mainly used for initiating an authorization request, and the data management contract is responsible for the encryption storage service of tax data.
The working process of the decentralized bank tax interaction system is as follows:
(1) the bank nodes, the tax nodes and the supervision nodes jointly deploy and maintain the bank-tax interaction system, and provide corresponding interfaces and services for the other nodes to call;
(2) each enterprise node, each bank node, each tax node and each supervision node jointly maintain a decentralized attribute password service platform and are responsible for attribute granting and revocation and key distribution of each node;
(3) after the enterprises are taxed, tax-related data of the enterprises are encrypted by using different attribute password access control strategies according to different attributions of the enterprises, and the encrypted data are stored in a bottom layer data chain;
(4) when an enterprise applies for loan from a bank, the bank needs to check related tax data of the enterprise, the bank initiates a transaction request to confirm an authorization request of the enterprise, and an attribute password service platform authorizes related attributes to corresponding bank nodes after obtaining user verification;
(5) after obtaining the attribute authorization of the enterprise, the bank node can apply a new user key to the attribute password service platform and decrypt the encrypted tax data of the enterprise by using the user key;
(6) the bank checks the tax data of the enterprise and determines whether to release loan to the enterprise after verifying the feasibility of loan in combination with other means;
(7) the tax data is used as core data for reflecting the operation condition of the enterprise, and other nodes in the system can also check the relevant tax data of the enterprise by acquiring the authorization of the enterprise in a mode similar to a bank node;
(9) each supervision node applies for a unified user key to the attribute password service platform based on the attribute possessed by the supervision node, decrypts data within the authority range of the supervision node, and realizes supervision of the whole process.
The invention constructs a multi-party and full-process traceable bank and tax interaction system by utilizing the characteristics of block chain decentralization, non-falsification and the like. The tax data is used as privacy data reflecting the real operation condition of an enterprise, and in order to prevent data leakage and abuse, the attribute passwords are introduced, and flexible authority control is realized by utilizing the characteristic of many-to-many encryption of the attribute passwords, so that each data demand party can acquire the tax data of the enterprise according to the actual needs of the data demand party, and the risk of data leakage and abuse is greatly reduced. And a trusted relationship among all the participants is constructed, so that unnecessary disputes are avoided, and the cost is reduced.
Meanwhile, based on the difference of supervision responsibilities and data access permissions brought by different places of each tax authority, enterprise and bank in the bank and tax interaction mode, in order to realize more precise and flexible permission control, the invention also introduces an attribute password technology. The attribute password is different from a traditional encryption and decryption mode, and is encrypted by using a Boolean expression formed by specific logic combination of attributes, so that only users with specific attributes can decrypt, for example, if an access control policy is set to be (A and (B or C)), only users with attributes A and B or attributes A and C can decrypt. Based on the characteristics, the attribute password is different from a traditional public-private key encryption system, the traditional key data access right depends on the business logic behind the traditional key data access right, the complex business logic inevitably causes the complex mapping relation of the key, and the attribute used by the attribute password is matched with the logic hidden behind the data sharing, so that the flexible authority control can be realized.
The system is mainly used for banks and enterprises, tax-related data are encrypted and then linked in real time and shared from a tax business system after the authorization of the enterprises is obtained, and if a bank party needs to obtain the tax-related data of the enterprises, the bank party is regarded as one-time data transaction. After the data transaction is completed, the bank side decrypts the data and then starts to use the data. By using the system, the enterprise can participate in the whole process of the silver tax interaction in the whole process, the concern of the enterprise on the problems such as data leakage is reduced, meanwhile, the bank and the tax system directly interact through the system, the process is reduced, and the efficiency is improved. Finally, on the basis, the system can further realize a credible cooperation network taking tax as a center, including similar business network information exchange between tax and industry and commerce, and between finance, customs, development and modification commission, house management, land, court and the like.
In a word, the tax data is taken as a core, the characteristic that attribute passwords are used for refining authority control is integrated by using the characteristic that a block chain is decentralized, the reuse of the tax data is realized, under the condition that an enterprise is credible, the enterprise tax data is shared to related departments such as banks, finance, customs and the like in an encryption mode, the whole process is permanently reserved in the block chain, and the enterprise participates in the whole process, so that the related doubt that the enterprise worries about data abuse and leakage in the sharing process of the tax data is reduced.
Drawings
Fig. 1 is a schematic diagram of an attribute cipher encryption service used in the present invention.
Fig. 2 is a flow of the bank tax interaction system according to the present invention.
Detailed Description
As shown in fig. 1, taking tax data in the system as an example, if a piece of data in the system is tax data related to company a, if the registered place of the company is the populus area in shanghai city, then the data can be theoretically checked for company a, tax staff related to the tax bureau in populus area, staff related to the higher-level tax bureau, and related supervising and auditing staff. Then when the system encrypts the data, the access control policy may be set to:
company A or ((tax authority or regulatory agency) and Yanpu district or Shanghai City or country);
after the strategy is used for encryption, the company A has the decryption authority for the data, meanwhile, the company which is registered in the Yanpu area only has the relevant personnel of the Yanpu area tax administration and the Shanghai city tax administration for managing the Yanpu area tax administration and the relevant personnel of the State tax administration for managing the Shanghai city tax administration which are responsible for managing the Shanghai city tax administration can decrypt the data, and besides the specific personnel of the business responsible for the tax administration, the organization which is responsible for monitoring and auditing also has the corresponding authority for decryption. In the corresponding diagram, the attributes of the company A, Shanghai City tax bureau, the Water administration of Pupu district and the State tax administration meet the conditions for decryption, and the attribute sets of the education bureau of Shanghai City and the tax bureau of Beijing City do not meet the conditions for decryption of the encrypted tax data of the company A.
Fig. 2 is a schematic diagram of an interaction process of the silver tax interaction system according to the present invention. All nodes in the system commonly maintain a bottom-layer chain, and some functions of the chain are packaged in a system contract layer and are called by all the nodes through a mountain contract. In addition, the supervision mechanism can check the relevant enterprise data with the supervision authority according to the attributes of the supervision mechanism. In the bank tax interaction system provided by the invention, a typical flow of a bank system is as follows: firstly, for an enterprise A, tax data is generated in the tax administration process, and the generated tax data is encrypted by using a specific access control strategy and an attribute password according to basic information such as the attribution business scope of the enterprise and then stored in a block chain.
Then, the enterprise A needs to apply a loan to the bank A for expanding reproduction due to operational needs, and then calls an upper layer contract to initiate a loan application to the bank A, and after knowing the loan application of the enterprise, the bank A needs to check tax-related data of the enterprise to verify the actual operating condition of the enterprise, so that the loan risk of the enterprise is reasonably evaluated. At the moment, the enterprise A calls an authorization contract to initiate a transaction to the attribute password service platform for authorizing related attributes to the bank so that the bank has the viewing permission of tax-related data, the attribute password service platform verifies the transaction initiated by the enterprise A, and after the verification is passed, the corresponding attribute is authorized to the bank A. At this time, the attribute set of the bank a has the authority required by the access control policy S satisfying the enterprise tax-related data. The bank A firstly initiates a transaction to the attribute password service platform, requests to update the user key, and then calls a data management contract to access and encrypt tax-related data of the enterprise after acquiring the user key of the bank A, so as to verify the real operation condition of the enterprise. After the verification is finished, whether the loan is issued to the enterprise or not and the specific limit of the loan is issued are determined.
The above-mentioned bank-tax interaction is only one practical application example in the present invention, and further, on this basis, based on the flexible feature of many-to-many encryption of the attribute password and the precious value of the tax data, a credible cooperation network with tax as the center can be further constructed by taking the system as an original, and departments such as industry and commerce, finance, customs, development and modification commission and the like can also realize the cross authorization access of the private data through the system.

Claims (2)

1. A decentralized silver tax interaction system, comprising: enterprise node, bank node, tax system node, supervision node, and other nodes, the bottom link of storage information, attribute password service platform and system contract layer, wherein:
the enterprise node refers to an enterprise related to a bank credit application and a tax data authorization application;
the bank node refers to a bank organization in the system, checks tax data authorized by the enterprise in the system, and issues corresponding loan for the enterprise as a loan-putting basis;
the tax system node is a tax authority for counting enterprise tax related information;
the supervision nodes are related supervision institutions and all levels of departments in all the supervision institutions;
the other nodes refer to relevant organizations or departments with requirements on tax data, including finance, customs, reform committee, house management, soil management and court;
the bottom-layer chain of the stored information is maintained by a tax node, a bank node and a supervision node together, and the node is responsible for the deployment and maintenance of the system and provides data storage service and a corresponding interface;
the service platform of the attribute password is maintained by each party and is responsible for the attribute granting and withdrawing of each node and the sending of the user key, thereby realizing flexible authority control;
the system contract layer comprises an authorization management contract and a data management contract; the authorization management contract and the data management contract are responsible for encapsulating the functions of the system layer and calling each user contract; the authorization management contract is mainly used for initiating an authorization request, and the data management contract is responsible for the encryption storage service of the tax data.
2. The decentralized silver tax interaction system according to claim 1, wherein the workflow is:
(1) the bank nodes, the tax nodes and the supervision nodes jointly deploy and maintain the bank-tax interaction system, and provide corresponding interfaces and services for the other nodes to call;
(2) each enterprise node, each bank node, each tax node and each supervision node jointly maintain a decentralized attribute password service platform and are responsible for attribute granting and revocation and key distribution of each node;
(3) after the enterprises are taxed, tax-related data of the enterprises are encrypted by using different attribute password access control strategies according to different attributions of the enterprises, and the encrypted data are stored in a bottom layer data chain;
(4) when an enterprise applies for loan from a bank, the bank checks related tax data of the enterprise, at the moment, the bank initiates a transaction to request the enterprise to confirm an authorization request, and after the attribute password service platform obtains user verification, the related attribute is authorized to a corresponding bank node;
(5) after obtaining the attribute authorization of the enterprise, the bank node applies a new user key to the attribute password service platform and decrypts the encrypted tax data of the enterprise by using the user key;
(6) the bank checks the tax data of the enterprise and determines whether to release loan to the enterprise after verifying the feasibility of loan in combination with other means;
(7) the tax data is used as core data for reflecting the operation condition of the enterprise, and other nodes in the system also adopt a mode similar to bank nodes to check the related tax data of the enterprise by acquiring the authorization of the enterprise;
(9) each supervision node applies for a unified user key to the attribute password service platform based on the attribute possessed by the supervision node, decrypts data within the authority range of the supervision node, and realizes supervision of the whole process.
CN202011148825.XA 2020-10-23 2020-10-23 Decentralized bank tax interaction system Pending CN112308701A (en)

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Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108615185A (en) * 2018-04-24 2018-10-02 北京罗格数据科技有限公司 A kind of silver-colored tax interaction systems construction method based on block chain
CN110751491A (en) * 2019-09-18 2020-02-04 复旦大学 Dangerous chemical supervision system based on block chain
CN111506909A (en) * 2020-04-13 2020-08-07 深圳微众信用科技股份有限公司 Silver tax data interaction method and system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108615185A (en) * 2018-04-24 2018-10-02 北京罗格数据科技有限公司 A kind of silver-colored tax interaction systems construction method based on block chain
CN110751491A (en) * 2019-09-18 2020-02-04 复旦大学 Dangerous chemical supervision system based on block chain
CN111506909A (en) * 2020-04-13 2020-08-07 深圳微众信用科技股份有限公司 Silver tax data interaction method and system

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Application publication date: 20210202