CN112837141A - Credit wind control method based on block chain technology - Google Patents

Credit wind control method based on block chain technology Download PDF

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CN112837141A
CN112837141A CN201911155955.3A CN201911155955A CN112837141A CN 112837141 A CN112837141 A CN 112837141A CN 201911155955 A CN201911155955 A CN 201911155955A CN 112837141 A CN112837141 A CN 112837141A
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information
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contract
repayment
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盛卓星
郭岩
黄寒昕
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Shanghai Baosight Software Co Ltd
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Abstract

The invention provides a credit wind control method based on a block chain technology, which comprises the following steps: and credit wind control step based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension. The invention improves the consensus process and ensures the stability of the external service of the block chain system during node failure and master switching. Meanwhile, by reducing unnecessary signature verification and simplifying the consensus process, the communication complexity is reduced, and the consensus efficiency and expansibility are effectively improved.

Description

Credit wind control method based on block chain technology
Technical Field
The invention relates to a block chain alliance chain environment-based intelligent contract compiling and issuing method, which is suitable for financial institutions and supply chain enterprises and belongs to the technical field of computers.
Background
A blockchain is a type of blockchain that is a shared ledger distributed throughout the business network. The business transaction is permanently recorded in a block that is attached only to the ledger. All validated and certified transactions are linked from the starting block to the latest block, thus obtaining a named block chain. Blockchains are a history of all transactions that have occurred since the start of a blockchain in the network, the block header of each block containing transaction information for the previous block, thus forming a chain from the starting block to the current block. Blockchains are used as a single source of facts for the network.
The blockchain network may be a licensed network or an unlicensed network. The unlicensed network is opened to all participants and the transaction is validated against existing rules on the network. Any participant can view the transaction on the ledger even if the participant is anonymous. The licensed network is only accessible by participants in a given business network. On the chain of permission blocks, participants are only allowed to view the transactions that they are related to.
An intelligent contract is a set of commitments (promises) defined in digital form, including agreements on which contract participants can enforce the commitments. ". The intelligent contract is not only a computer program, but also a participant of the system, can receive and store information, and can also send or respond information to the outside.
The traditional contract is a commonly-followed clause established for determining respective rights and obligations, the traditional contract is subjected to equivalence exchange by two or more parties through an agreement on the basis of mutual trust, and if one party has a default, the execution of the agreement needs to be interfered by the intervention of a third party.
The block chain technology is combined with the supply chain platform to create a fair, public, transparent, traceable and queriable supply chain platform, and the supply chain management efficiency is improved. Because the data is public and transparent among transaction parties, a complete and smooth information flow is formed on the whole supply chain, so that the participating parties can find problems existing in the operation process of the supply chain system in time, and a problem solving method is pertinently found, and the overall efficiency of supply chain management is further improved.
The property of the public and non-falsifiable block chain technology provides a potential of variable financial infrastructure for a decentralized trust mechanism. The method has the potential of changing financial infrastructure, various financial assets become digital assets on a chain, and storage, transfer and transaction are carried out on a block chain. So that the application prospect of the method in the financial field is wide.
Currently, internet finance is changing the format and state of traditional finance, but traditional finance risk is still the main risk faced by enterprises developing internet finance business, wherein credit risk is the biggest risk faced by financial institutions and internet finance enterprises. The non-intercommunication of risk information between financial institutions is a significant problem encountered in the traditional credit investigation mode. Traditional financial institutions report credit investigation records to a central bank credit investigation center regularly and intensively, and some powerful and heavy financial institutions also build a credit investigation system by themselves by means of a big data mining technology, which brings practical problems. The method not only comprises information communication between emerging financial service institutions, but also relates to channel barriers between traditional financial institutions and the emerging institutions. Some civil credit institutions use a central database mode to store core data, and face questions about identity authority and data authenticity.
Application No.: 201310698512.5
Name: credit wind control method based on block chain technology
And (3) abstract: the invention provides a block chain alliance chain environment-based intelligent contract compiling and issuing method, which comprises the following steps: the credit business information in the credit business is uploaded to a block chain by acquiring the credit business information from a business system, wherein the main information comprises contract information, loan information, repayment information and customer blacklist information, so that information sharing is achieved, and data authority is ensured; meanwhile, the credit information linked in the block chain can be synchronized, and the credit information comprises contract information, loan information, repayment information and customer blacklist information, so that data support is provided for the wind control of the credit business. Accordingly, the invention realizes the trust problem of the financial institutions and the supply chain enterprises with low cost, high efficiency and high safety by the scheme of carrying out system construction and technical endorsement on the financial institutions and the supply chain enterprises instead of the centralized credit institution to establish the credit.
The technical points are as follows: the invention provides a new solution for the credit wind control mode, and can quickly and accurately rule the risk in the credit process by inquiring the contract information, the loan information, the repayment information and the customer blacklist information on the blockchain, thereby greatly improving the working efficiency and ensuring the capital safety of enterprises.
Disclosure of Invention
In view of the defects in the prior art, the invention aims to provide a credit wind control method and an intelligent contract system based on a block chain technology.
The invention provides a credit wind control method based on a block chain technology, which comprises the following steps:
and credit wind control step based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
Preferably, the credit information and blacklist information of the client on the blockchain includes: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
Preferably, the credit wind control step based on the blockchain technology comprises:
credit data entry step: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink step: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
and inquiring on-chain credit data: inquiring credit business data on the chain through the contract number;
and data synchronization of the on-chain credit service: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
Preferably, the credit service data comprises: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
Preferably, the intelligent contract system includes:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
The invention further provides a credit wind control system based on the block chain technology, which comprises the following steps:
credit wind control module based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
Preferably, the credit information and blacklist information of the client on the blockchain includes: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
Preferably, the credit wind control module based on the blockchain technology comprises:
credit data entry module: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink module: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
query on-chain credit data module: inquiring credit business data on the chain through the contract number;
the data synchronization module of the chain credit business comprises: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
Preferably, the credit service data comprises: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
Preferably, the intelligent contract system includes:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
Compared with the prior art, the invention has the following beneficial effects:
1. the consensus process is improved, and the stability of the external service of the block chain system during node failure and master switching is guaranteed. Meanwhile, by reducing unnecessary signature verification and simplifying the consensus process, the communication complexity is reduced, and the consensus efficiency and expansibility are effectively improved.
2. Other links in the transaction confirmation process, such as a signature algorithm, an account book storage mode and the like, are optimized, and finally, the transaction needs to be confirmed in a second level.
3. The blockchain platform needs to support multiple modes of local database storage, file system storage and cloud storage. The local storage realizes cold and hot separation, the database storage uses a mode of sub-base and sub-table, and the cloud storage supports the expansion according to the cloud cluster rule.
4. Under the principle of meeting the original development habits of users, facilitating deployment and keeping the original safety system, the compatibility design is carried out on the development modes, the deployment modes and the safety inheritance of user services, and the users with various scenes and various development habits can be connected to a block chain at lower cost and higher speed.
5. Users can develop services based on different APIs. Multi-language support is provided for a base of a bottom API used in service development, development habits of different users can be met, and user access difficulty is reduced.
6. When the system is in butt joint with the existing system, a proper butt joint mechanism can be selected according to the actual situation of a key management system of the existing system. The original key system has higher safety degree and can directly use the original key correlation mode in a multiplexing way; a brand-new service can select a key management full escrow mode; the partial hosting mode can also be selected according to business conditions.
7. The method provides a quasi-real-time data comparison mechanism among multiple nodes, and can timely find the condition that the accounting book data of a certain node is tampered.
8. User information and blockchain addresses are isolated in the blockchain. Associated user information cannot be acquired from the record storage of each node. The user information storage has multiple layers of protection such as authority control, access authentication, encryption storage and the like.
9. Key safes and user account delegation functionality are provided to secure keys. The key safe box uses the user information to encrypt the key and store the key in a plurality of different nodes in a segmented manner, the key safe box cannot be accessed under a normal business process, and the key can be retrieved after the user information is authenticated after the user key is lost.
10. The SM2/3/4 is supported, and a plurality of encryption algorithms are provided for the user to select, and simultaneously the compliance requirements are met.
11. A confidential transaction system suitable for a HyperLegendFabric platform is developed, and the performance is greatly improved by an improved algorithm compared with the traditional addition homomorphic encryption and range zero knowledge proof based on a ring signature.
12. And zero knowledge proof capability is provided, privacy data of the user are protected, and the privacy disclosure risk of the user is reduced.
13. The intelligent contract detection tool is provided, malicious attempts are prevented from invading the behavior of user data through intelligent contract loopholes, meanwhile, a safety container is provided, the running state of the container is continuously monitored, if loopholes are found, effective isolation is carried out, and the access authority of the container is strictly controlled, so that the safe running of contracts is ensured.
14. And a hardware-based protection mechanism is provided, so that confidentiality and integrity of the local account book are protected, and the account book is prevented from being tampered.
15. A hardware-based solution is provided, and communication safety between blockchain nodes is ensured end to end.
16. An off-link channel transaction system suitable for a HyperLegendric Fabric platform is developed, and the transaction performance of a single-channel 2,000+ TPS between users is realized through a high-efficiency and safe handshake protocol of a transaction party. With the increase of the number of off-link transaction channels, the transaction processing capacity of the system in unit time can be further improved.
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Other features, objects and advantages of the invention will become more apparent upon reading of the detailed description of non-limiting embodiments with reference to the following drawings:
FIG. 1 is a schematic flow chart of the method provided by the present invention.
Detailed Description
The present invention will be described in detail with reference to specific examples. The following examples will assist those skilled in the art in further understanding the invention, but are not intended to limit the invention in any way. It should be noted that it would be obvious to those skilled in the art that various changes and modifications can be made without departing from the spirit of the invention. All falling within the scope of the present invention.
The invention provides a credit wind control method based on a block chain technology, which comprises the following steps:
and credit wind control step based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
Specifically, the credit information and blacklist information of the client on the blockchain include: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
Specifically, the credit wind control step based on the block chain technology comprises the following steps:
credit data entry step: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink step: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
and inquiring on-chain credit data: inquiring credit business data on the chain through the contract number;
and data synchronization of the on-chain credit service: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
Specifically, the credit service data includes: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
Specifically, the intelligent contract system includes:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
The invention further provides a credit wind control system based on the block chain technology, which comprises the following steps:
credit wind control module based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
Specifically, the credit information and blacklist information of the client on the blockchain include: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
Specifically, the credit wind control module based on the block chain technology comprises:
credit data entry module: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink module: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
query on-chain credit data module: inquiring credit business data on the chain through the contract number;
the data synchronization module of the chain credit business comprises: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
Specifically, the credit service data includes: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
Specifically, the intelligent contract system includes:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
The present invention will be described more specifically below with reference to preferred examples.
Preferred example 1:
the main system architecture of the intelligent contract system is composed of the following parts: application service layer, platform service layer and bottom layer framework
An application service layer: setting service requirements according to service scenes, such as sharing of internet financial credit investigation, storing of supply chain financial transaction information and the like
A platform service layer: the platform service layer is used for solving the interface problem of block chain and specific service convergence. The business service comprises a data read-write interface, an evidence association write interface, a multi-party write history interface, a two-party transaction interface, a history information inquiry interface, a data large-capacity storage interface, an evidence management inquiry interface and an account information inquiry interface; the basic service includes user management, database, contract management, operation monitoring, authority management, storage management, algorithm management and node management
A bottom layer frame: the building of the bottom layer block chain technology is mainly completed by means of open source communities Apache Hyperled Fabric and Baosight iClat 4JV 6.
The intelligent contract system consists of the following parts: cochain contract information inquiry, release information cochain, repayment information cochain and customer blacklist information cochain.
Uplink contract information query: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink. The uplink contract information query mainly comprises a client name, a contract number, a deposit date, an amount, a service type, an expiration date, a remark, a deposit list number, an uplink state and an uplink date.
And (4) uplink of the money release information: and completing the paying off through a local system, chaining the paying off information, and simultaneously inquiring the paying off information on the chain. The loan information mainly comprises a customer name, a contract number, a loan document, an amount, an expiration date, a chain linking state and a chain linking date.
Repayment information cochain: and completing repayment through the local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain. The repayment information mainly comprises a customer name, a repayment bill number, a contract number, a repayment date, a repayment amount, a repayment put-in bill, a remark, a chain connection state and a chain connection date.
Customer blacklist information uplink: and editing the blacklist information through a local system, chaining the blacklist information, and simultaneously querying the blacklist information on the chain. The blacklist information mainly comprises a client name, a blacklist state, an identity card, a reason, a chain linking state and a chain linking time.
Preferred example 2:
the invention discloses a credit wind control method based on a block chain technology, which comprises the following steps:
credit data entry step: the credit business data entry system to be developed comprises credit contract information, wherein the credit contract information comprises a client name, a contract number, a release date, an amount, a business type, an expiration date, a remark, a release order number, a charging state and a charging date, the credit release document information comprises a client name, a contract number, a release order number, an amount, an expiration date, a charging state and a charging date, the credit release document information comprises a client name, a payment order number, a contract number, a payment date, a payment amount, a charging release order, a remark, a charging state and a charging date, and the client blacklist information comprises a client name, a blacklist state, an identity card, a country, a charging state and a charging time;
credit data uplink step: respectively carrying out chain linking operation on credit service data in the system, and uploading the data to a block chain, wherein the block chain comprises credit contract information, credit release document information, credit repayment document information and customer blacklist information;
and inquiring on-chain credit data: inquiring credit business data on the chain through the contract number, wherein the credit business data comprise credit contract information, credit paying receipt information, credit repayment receipt information and customer blacklist information;
and data synchronization of the on-chain credit service: and inquiring and downloading the obtained credit business data to the local synchronously, wherein the credit business data comprises credit contract information, credit paying receipt information, credit repayment receipt information and customer blacklist information.
Specifically, the credit data entry step includes: entering a credit contract: according to the information of the credit contract, inputting a customer name, a contract number, a loan date, an amount, a service type, a due date and a remark; inputting a payment document: inputting a customer name, a contract number, a withdrawal document number, an amount and a due date according to the information of the withdrawal document; inputting a payment document: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put-in bill and the remark; entering a customer blacklist: customer name, whether blacklist, identification card, origin.
Specifically, the credit data information to be linked mainly includes credit contract, loan receipt, repayment receipt, and customer blacklist information.
Specifically, after the credit data information to be linked is selected, the linking operation is clicked, and the credit data information is uploaded to the chain.
The invention discloses an intelligent contract system, comprising: credit data entry module: the credit business data entry system to be developed comprises credit contract information, credit paying receipt information, credit repayment receipt information and customer blacklist information; credit data uplink module: respectively carrying out chain linking operation on credit service data in the system, and uploading the data to a block chain, wherein the block chain comprises credit contract information, credit release document information, credit repayment document information and customer blacklist information; query on-chain credit data module: inquiring credit business data on the chain through the contract number, wherein the credit business data comprise credit contract information, credit paying receipt information, credit repayment receipt information and customer blacklist information; the data synchronization module of the chain credit business comprises: and inquiring and downloading the obtained credit business data to the local synchronously, wherein the credit business data comprises credit contract information, credit paying receipt information, credit repayment receipt information and customer blacklist information.
Specifically, the linked credit data information may be synchronized to the local through a synchronization function.
The intelligent contract system provided by the invention can be realized by the step flow of the block chain-based credit wind control method. Those skilled in the art can understand the block chain-based credit wind control method as a preferred example of the intelligent contract system.
In a specific embodiment of the intelligent contract system, a system operation user inputs credit contract data, loan receipt information, repayment receipt information and customer blacklist information through the intelligent contract system, and after checking, the credit contract data, the repayment receipt information and the customer blacklist information are stored to form information to be linked. When the credit information is uploaded to the block chain, the system encrypts the credit information by using an algorithm based on the block chain to form data conforming to the block chain and uploads the data to the block chain.
Those skilled in the art will appreciate that, in addition to implementing the systems, apparatus, and various modules thereof provided by the present invention in purely computer readable program code, the same procedures can be implemented entirely by logically programming method steps such that the systems, apparatus, and various modules thereof are provided in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Therefore, the system, the device and the modules thereof provided by the present invention can be considered as a hardware component, and the modules included in the system, the device and the modules thereof for implementing various programs can also be considered as structures in the hardware component; modules for performing various functions may also be considered to be both software programs for performing the methods and structures within hardware components.
The foregoing description of specific embodiments of the present invention has been presented. It is to be understood that the present invention is not limited to the specific embodiments described above, and that various changes or modifications may be made by one skilled in the art within the scope of the appended claims without departing from the spirit of the invention. The embodiments and features of the embodiments of the present application may be combined with each other arbitrarily without conflict.

Claims (10)

1. A credit wind control method based on a block chain technology is characterized by comprising the following steps:
and credit wind control step based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
2. The blockchain technology-based credit wind control method of claim 1, the on-blockchain customer credit information and blacklist information comprising: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
3. The blockchain technology-based credit wind control method according to claim 1, wherein the blockchain technology-based credit wind control step includes:
credit data entry step: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink step: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
and inquiring on-chain credit data: inquiring credit business data on the chain through the contract number;
and data synchronization of the on-chain credit service: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
4. The blockchain technology-based credit wind control method according to claim 3, wherein the credit service data includes: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
5. The block chain technology-based credit wind control method according to claim 3, wherein the intelligent contract system comprises:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
6. A credit wind control system based on blockchain technology, comprising:
credit wind control module based on block chain technology: and carrying out credit rating on the client according to the client credit information and the blacklist information on the synchronous block chain, carrying out credit extension on the client according to the credit rating, and carrying out credit business development according to the credit extension.
7. The blockchain technology-based credit wind control system of claim 6, on the blockchain customer credit information and blacklist information including: credit business data and customer asset information, and all credit business information of the customer in the blockchain.
8. The blockchain technology-based credit wind control system of claim 6, wherein the blockchain technology-based credit wind control module comprises:
credit data entry module: the data of the credit business to be developed is input into the intelligent contract system,
credit data uplink module: respectively carrying out chain linking operation on credit service data in the intelligent contract system and uploading the credit service data to a block chain;
query on-chain credit data module: inquiring credit business data on the chain through the contract number;
the data synchronization module of the chain credit business comprises: and (4) synchronously downloading the credit service data acquired by inquiry to the local.
9. The blockchain technology based credit wind control system of claim 8, wherein the credit business data includes: credit contract information, credit loan receipt information, credit repayment receipt information, and customer blacklist information.
10. The block chain technology-based credit wind control system of claim 8, wherein the intelligent contract system comprises:
an uplink contract information inquiry module: the contract information on the chain is inquired through a page display mode, the contract information on the chain can be synchronized to a local system, and the contract information which is not uplink on the local system can also be uplink;
put money information cochain module: paying off is completed through a local system, paying off information is linked up, and paying off information on the chain can be inquired;
repayment information cochain module: completing repayment through a local system, chaining the repayment information, and simultaneously inquiring the repayment information on the chain;
a client blacklist information uplink module: editing the blacklist information through a local system, chaining the blacklist information, and simultaneously inquiring the blacklist information on the chain;
the deposit information includes: customer name, contract number, put-away document, amount, expiration date, uplink state and uplink date;
the contract information on the chain includes: customer name, contract number, loan date, amount, service type, due date, remark, loan order number, uplink state and uplink date;
the repayment information includes: the client name, the repayment bill number, the contract number, the repayment date, the repayment amount, the repayment put bill, the remark, the chain linking state and the chain linking date;
the blacklist information includes: a customer name, a blacklist status, an identity card, a source, a uplink status and a uplink time.
CN201911155955.3A 2019-11-22 2019-11-22 Credit wind control method based on block chain technology Pending CN112837141A (en)

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Publication number Priority date Publication date Assignee Title
CN103886502A (en) * 2014-04-14 2014-06-25 中国人民银行征信中心 Personal credit status acquisition and integration method
CN109102390A (en) * 2018-08-06 2018-12-28 河南真二互联网科技有限公司 Financial product air control method based on block chain technology
CN109584040A (en) * 2018-10-25 2019-04-05 平安科技（深圳）有限公司 Business data processing method, device, equipment and storage medium based on block chain
CN110276537A (en) * 2019-06-12 2019-09-24 重庆无界领智普惠商务信息咨询有限公司 The guard method of credit information safety based on block chain workload mechanism

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN103886502A (en) * 2014-04-14 2014-06-25 中国人民银行征信中心 Personal credit status acquisition and integration method
CN109102390A (en) * 2018-08-06 2018-12-28 河南真二互联网科技有限公司 Financial product air control method based on block chain technology
CN109584040A (en) * 2018-10-25 2019-04-05 平安科技（深圳）有限公司 Business data processing method, device, equipment and storage medium based on block chain
CN110276537A (en) * 2019-06-12 2019-09-24 重庆无界领智普惠商务信息咨询有限公司 The guard method of credit information safety based on block chain workload mechanism

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