CN113159936A - Block chain-based personal credit investigation method and device - Google Patents
Block chain-based personal credit investigation method and device Download PDFInfo
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- CN113159936A CN113159936A CN202110583280.3A CN202110583280A CN113159936A CN 113159936 A CN113159936 A CN 113159936A CN 202110583280 A CN202110583280 A CN 202110583280A CN 113159936 A CN113159936 A CN 113159936A
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- 238000004590 computer program Methods 0.000 claims description 16
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- 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
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- G06F—ELECTRIC DIGITAL DATA PROCESSING
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- G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
- G06F16/24—Querying
- G06F16/245—Query processing
- G06F16/2457—Query processing with adaptation to user needs
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Abstract
The invention discloses a block chain-based personal credit investigation query method and device, and relates to the technical field of block chains. When receiving a personal credit investigation request sent by a current financial system, firstly determining whether the current financial system is a alliance link node; after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request so as to improve the safety of the personal credit investigation; and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain. After the current financial system is determined to be the alliance link node, the current financial system is authorized to inquire the personal credit investigation information, so that the safety of the personal credit investigation is improved; the financial systems are connected in a alliance chain by using a block chain technology, so that the efficiency of individual credit investigation is improved.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based personal credit investigation query method and a block chain-based personal credit investigation query device.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the improvement of living standard of people, when people loan and buy cars and rooms in daily life, people need to inquire personal credit investigation reports for a loan institution to check personal economic condition information. In recent years, various large financial institutions generally provide an online credit investigation report inquiry function, and users no longer need to go to a website to print a report. However, the online inquiry of the credit report requires more personal information to be filled in, and the handling efficiency is low. For the banking industry, a method is needed to solve the problem of how to quickly acquire personal credit investigation information and improve the efficiency and the safety of credit investigation. For credit investigation supervision units, how to collect and manage personal credit investigation information from multiple channels is also faced, and data is safe, reliable and traceable.
The personal credit investigation report inquiry service mainly comprises a bank, a credit investigation supervision mechanism and a credit investigation service transactor. A centralized management organization is generally used to provide functions of maintaining and inquiring personal credit information. For a bank, information verification such as identity verification and face recognition is carried out on a transactor, the problem of crossing organizations and units exists, the processing difficulty is high, and the mechanism of the opposite party is possibly not supported all the day and all the time, so that the business cannot be transacted. For credit investigation supervising agencies, the problems of low data processing efficiency, difficult checking and inquiring compliance and poor information safety exist because the personal credit investigation information from each bank is collected and summarized and the inquiring times is updated.
Based on the above situation, a system which can be associated with the above parties, can ensure the authenticity of the personal credit investigation information, the convenience of inquiry and the safety of the information, can be maintained by a plurality of organizations together, is convenient for the management organizations to integrate data, effectively tracks and manages the personal credit investigation, and considers and improves the efficiency and the safety of the personal credit investigation.
Disclosure of Invention
The embodiment of the invention provides a block chain-based personal credit investigation method, which is used for considering and improving the efficiency and the safety of personal credit investigation and is applied to a personal credit investigation management system. The personal credit investigation method based on the block chain comprises the following steps:
when a personal credit investigation request sent by a current financial system based on a business transaction request submitted by a current user is received, determining whether the current financial system is a alliance link node;
after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request;
and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain.
The embodiment of the invention also provides a personal credit investigation device based on the block chain, which is used for considering and improving the efficiency and the safety of the personal credit investigation and is applied to a personal credit investigation management system. The personal credit investigation device based on the block chain comprises:
the node determining module is used for determining whether the current financial system is a alliance link node or not when receiving a personal credit investigation request sent by the current financial system based on a service transaction request submitted by a current user;
the authorization query module is used for authorizing the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request after the current financial system is determined to be the alliance link node;
and the information maintenance module is used for adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the personal credit investigation method based on the block chain when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above block chain-based personal credit investigation method is stored in the computer-readable storage medium.
In the embodiment of the invention, when a personal credit investigation request sent by a current financial system is received, whether the current financial system is a alliance link node is determined; after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request so as to improve the safety of the personal credit investigation; and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain. The embodiment of the invention authorizes the current financial system to inquire the personal credit investigation information after determining that the current financial system is the alliance link node, thereby improving the safety of personal credit investigation; the financial systems are connected in a alliance chain by using a block chain technology, so that the efficiency of individual credit investigation is improved.
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, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart illustrating an implementation of a block chain-based personal credit investigation method according to a first embodiment of the present invention;
fig. 2 is a flowchart of an implementation of a block chain-based personal credit investigation method according to a second embodiment of the present invention;
fig. 3 is a flowchart of an implementation of a block chain-based personal credit investigation method according to a third embodiment of the present invention;
fig. 4 is a flowchart illustrating a step 102 of a block chain-based personal credit investigation method according to a fourth embodiment of the present invention;
fig. 5 is a flowchart illustrating an implementation of step 103 in a block chain-based personal credit investigation method according to a fifth embodiment of the present invention;
fig. 6 is a flowchart of an implementation of a block chain-based personal credit investigation method according to a sixth embodiment of the present invention;
fig. 7 is a flowchart illustrating an implementation of a block chain-based personal credit investigation method according to a seventh embodiment of the present invention;
fig. 8 is a functional block diagram of a block chain-based personal credit investigation apparatus according to an eighth embodiment of the present invention;
fig. 9 is a functional block diagram of a block chain-based personal credit investigation apparatus according to a ninth embodiment of the present invention;
fig. 10 is a functional block diagram of a block chain-based personal credit investigation apparatus according to a tenth embodiment of the present invention;
fig. 11 is a block diagram illustrating an authorization query module 802 in a block chain-based personal credit investigation apparatus according to an eleventh embodiment of the present invention;
fig. 12 is a block diagram illustrating an information maintenance module 803 in a block chain-based personal credit investigation apparatus according to a twelfth embodiment of the present invention;
fig. 13 is a functional block diagram of a block chain-based personal credit investigation apparatus according to a thirteenth embodiment of the present invention;
fig. 14 is a functional block diagram of a block chain-based personal credit investigation apparatus according to a fourteenth embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 shows an implementation flow of a block chain-based personal credit investigation method according to a first embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
as shown in fig. 1, the block chain-based personal credit investigation method is applied to a personal credit investigation management system. The personal credit investigation method based on the block chain comprises the following steps:
When a current user transacts financial services, such as house loan or foreign exchange transaction, from a financial institution corresponding to a current financial system, a service transaction request is submitted to the financial institution corresponding to the current financial system. After receiving a business transaction request submitted by a current user, the current financial system sends a personal credit investigation request of the current user to a personal credit investigation management system. When receiving a personal credit investigation request of a current user sent by a current financial system, the personal credit investigation system judges whether the current financial system is a alliance chain node on an alliance chain.
When the current financial system is determined to belong to a alliance chain node on an alliance chain, the current financial system is a credible financial institution, the current financial system is authorized to inquire the personal credit investigation information of the current user on the alliance chain according to the personal credit investigation request, and the inquired personal credit investigation information of the current user is fed back to the financial institution corresponding to the current financial system or the current user.
And then, the current user submits a business handling request to the current financial system for handling business based on the personal credit information of the current user inquired by the current financial system, and the business handling information is determined. Such as foreign exchange transaction information, or purchase loan information. Finally, the business transaction information determined by the current financial system is added (maintained) to the block chain address of the current user on the alliance chain, so as to inquire the personal credit investigation and record and store the business information transacted based on the credit investigation information on the alliance chain.
In the embodiment of the invention, when a personal credit investigation request sent by a current financial system is received, whether the current financial system is a alliance link node is determined; after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request so as to improve the safety of the personal credit investigation; and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain. The embodiment of the invention authorizes the current financial system to inquire the personal credit investigation information after determining that the current financial system is the alliance link node, thereby improving the safety of personal credit investigation; the financial systems are connected in a alliance chain by using a block chain technology, so that the efficiency of individual credit investigation is improved.
Fig. 2 shows an implementation flow of a block chain-based personal credit investigation method according to a second embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to ensure the security of the personal credit investigation information, as shown in fig. 2, on the basis of the method steps shown in fig. 1, the block chain-based personal credit investigation method further includes:
Current financial systems may or may not be federation chain nodes on a federation chain. When the current financial system is determined to be not a alliance chain node on an alliance chain, the current financial system is not trusted or unauthorized, and the current financial system is refused to be authorized to inquire the personal credit investigation information of the current user according to the personal credit investigation request so as to guarantee the safety of the user credit investigation information.
In the embodiment of the invention, after the current financial system is determined not to be the alliance link node, the current financial system is refused to be authorized to inquire the personal credit investigation information of the current user according to the personal credit investigation request, and the safety of the personal credit investigation information is ensured.
Fig. 3 shows an implementation flow of a block chain-based personal credit investigation method according to a third embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to ensure the accuracy of the individual credit investigation, as shown in fig. 3, on the basis of the above method steps, the block chain-based individual credit investigation method further includes:
and step 301, updating the remaining inquired times of the current user on the alliance chain.
Generally, the number of credit investigation for each user is limited within a certain time interval. And inquiring the personal credit investigation information of the current user according to the personal credit investigation request in the authorized current financial system, wherein one inquiry frequency is consumed. And at the moment, the remaining inquireable times of the current user on the alliance chain are updated so as to ensure the accuracy of follow-up personal credit investigation.
In the embodiment of the invention, the remaining inquireable times of the current user on the alliance chain are updated, and the accuracy of individual credit investigation is ensured.
Fig. 4 shows an implementation flow of step 102 in the block chain-based personal credit investigation method according to the fourth embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to improve the accuracy of the personal credit investigation, as shown in fig. 4, after determining that the current financial system is a federation link node, step 102, authorizing the current financial system to investigate the personal credit investigation information of the current user according to the personal credit investigation request includes:
and step 402, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request when the remaining enquiry times of the current user is more than zero.
When the current financial system is authorized to inquire the personal credit investigation information of the current user, after the current financial system is determined to be a alliance link node, the current financial system is authorized to inquire the remaining inquired times of the current user according to the personal credit investigation request. If the remaining number of inquired times of the current user is zero, the current user does not have the number condition of personal credit investigation. And when the remaining inquireable times of the current user is more than zero, the current user is indicated to have the time condition for inquiring the personal credit investigation, so that the current financial system is further authorized to inquire the personal credit investigation information of the current user according to the personal credit investigation request, and the accuracy of inquiring the personal credit investigation information is improved. At this time, the remaining number of inquired times is consumed, that is, the remaining number of inquired times of the personal credit investigation information of the current user is updated.
In the embodiment of the invention, after the current financial system is determined to be the alliance link node, the current financial system is authorized to inquire the remaining inquired times of the current user according to the personal credit investigation request; when the remaining inquireable times of the current user is more than zero, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request, and improving the accuracy of the personal credit investigation.
Fig. 5 shows an implementation flow of step 103 in the block chain-based personal credit investigation method according to the fifth embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to store the personal credit investigation record, as shown in fig. 5, step 103, adding the service transaction information determined by the current financial system based on the personal credit investigation information of the current user and the service transaction request submitted by the current user to the blockchain address of the current user in the federation chain, includes:
502, after each financial node in the alliance chain receives the service handling information broadcasted by the current financial system, identifying the service handling information;
When the business transaction information is added to the block chain address of the current user in the alliance chain, the current user submits a business transaction request transaction business to the current financial system based on the personal credit information of the current user inquired by the current financial system, and the current financial system determines the business transaction information based on the personal credit information of the current user and the business transaction request. And broadcasting the service handling information determined by the current financial system on the alliance chain.
The alliance chain comprises a plurality of financial nodes, and after the business handling information broadcasted by the current financial system is received, all the financial nodes on the alliance chain commonly identify the received business handling information. If the business handling information consensus fails, it is indicated that the business handling information of the current user is not approved by each financial node of the alliance chain, and the business handling information of the current user cannot be added to the alliance chain at this time.
If the business handling information is identified successfully, the business handling information of the current user is approved by each financial node of the alliance chain, and at the moment, the business handling information of the current user is added to the block chain address of the current user in the alliance chain.
In the embodiment of the invention, the business handling information determined by the current financial system is broadcasted on the alliance chain; and each financial node on the alliance chain performs consensus on the service handling information, and the service handling information after the consensus is passed is added to the block chain address of the current user on the alliance chain, so that the personal credit investigation record can be stored.
Fig. 6 shows an implementation flow of a block chain-based personal credit investigation method according to a sixth embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to improve the security of key/blockchain address management, as shown in fig. 6, on the basis of the above method steps, the method for querying personal credit based on blockchain further includes:
In managing the key/blockchain address on the alliance chain, the current user submits a key/blockchain address management request to the current financial system, and the key/blockchain address management request received by the current financial system is broadcasted on the alliance chain.
After receiving the key/blockchain address management request broadcasted by the current financial system, the plurality of financial nodes in the alliance chain agree on the received key/blockchain address management request. If the key/blockchain address management request does not pass the consensus, which means that the key/blockchain address management request is not approved by each financial node in the federation chain, the key/blockchain address in the federation chain cannot be managed based on the key/blockchain address management request.
If the key/blockchain address management request passes the consensus, which means that the key/blockchain address management request is approved by each financial node in the alliance chain, the key/blockchain address on the alliance chain is managed based on the key/blockchain address management request.
In the embodiment of the invention, the key/block chain address management request received by the current financial system is broadcasted on the alliance chain; each financial node on the alliance chain identifies the key/block chain address management request; and managing the key/blockchain address on the alliance chain based on the key/blockchain address management request after passing the consensus, so that the security of key/blockchain address management is improved.
Fig. 7 shows an implementation flow of a block chain-based personal credit investigation method according to a seventh embodiment of the present invention, and for convenience of description, only the relevant parts of the embodiment of the present invention are shown, which is detailed as follows:
in an embodiment of the present invention, in order to improve the security of joining a new financial node into a federation chain, as shown in fig. 7, on the basis of the above method steps, the block chain-based personal credit investigation method further includes:
and 703, after the financial nodes on the alliance chain pass the uplink request consensus broadcasted by the management node on the alliance chain, adding the new financial system into the alliance chain to become a new node of the alliance chain.
When a new financial system joins the alliance chain to become a new node of the alliance chain, broadcasting an uplink request, received by the management node on the alliance chain, of joining the new financial system into the alliance chain on the alliance chain. The financial nodes on the alliance chain which are selected by the financial nodes on the alliance chain in a consensus mode are management nodes on the alliance chain, and for example, a certain financial node is selected randomly as a management node on the alliance chain.
After each financial node of the alliance chain receives the uplink request broadcasted by the current financial system, the received uplink request is identified. If the uplink request fails to be acknowledged, the uplink request is not acknowledged by each financial node in the alliance chain, and the new financial system cannot be added to the alliance chain based on the uplink request. If the uplink request passes the consensus, which indicates that the uplink request is approved by each financial node of the alliance chain, the new financial system is added to the alliance chain based on the uplink request and becomes a new node of the alliance chain.
In the embodiment of the invention, the uplink request of the new financial system added into the alliance chain received by the management node on the alliance chain is broadcasted on the alliance chain; after each financial node on the alliance chain receives a chain winding request broadcasted by a management node on the alliance chain, performing consensus on the chain winding request; after the financial nodes in the alliance chain pass the cochain request consensus broadcasted by the management node in the alliance chain, the new financial system is added into the alliance chain to become a new node of the alliance chain, and the safety of the new financial node added into the alliance chain is improved.
The embodiment of the present invention further provides a block chain-based personal credit investigation apparatus, as described in the following embodiments. Because the principle of solving the problems of the devices is similar to the block chain-based personal credit investigation method, the implementation of the devices can be referred to the implementation of the method, and repeated details are not repeated.
Fig. 8 shows functional modules of a block chain-based personal credit investigation device according to an eighth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
referring to fig. 8, each module included in the block chain-based personal credit investigation apparatus is used to execute each step in the embodiment corresponding to fig. 1, and specific reference is made to fig. 1 and the related description in the embodiment corresponding to fig. 1, which is not repeated herein. In the embodiment of the invention, the personal credit investigation device based on the block chain is applied to a personal credit investigation management system. The block chain-based personal credit investigation device comprises a node determination module 801, an authorization investigation module 802 and an information maintenance module 803.
The node determining module 801 is configured to determine whether the current financial system is a federation link node when receiving a personal credit investigation request sent by the current financial system based on a service transaction request submitted by a current user.
And an authorization query module 802, configured to authorize the current financial system to query, according to the personal credit investigation request, the personal credit investigation information of the current user after determining that the current financial system is a federation link node.
And the information maintenance module 803 is configured to add the service transaction information determined by the current financial system based on the personal credit information of the current user and the service transaction request submitted by the current user to the block chain address of the current user in the federation chain.
In the embodiment of the present invention, when receiving a personal credit investigation request sent by a current financial system, a node determination module 801 first determines whether the current financial system is a federation link node; after determining that the current financial system is a alliance link node, the authorization query module 802 authorizes the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request so as to improve the security of the personal credit investigation; the information maintenance module 803 adds the business transaction information determined by the current financial system based on the personal credit information of the current user and the business transaction request submitted by the current user to the block chain address of the current user in the alliance chain. The authorization query module 802 of the embodiment of the invention authorizes the current financial system to query the personal credit investigation information after determining that the current financial system is the alliance link node, thereby improving the security of the personal credit investigation; the financial systems are connected in a alliance chain by using a block chain technology, so that the efficiency of individual credit investigation is improved.
Fig. 9 shows functional modules of a block chain-based personal credit investigation device according to a ninth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, referring to fig. 9, in order to ensure the security of the personal credit investigation information, each module included in the block chain-based personal credit investigation apparatus is configured to execute each step in the embodiment corresponding to fig. 2, and please refer to fig. 2 and the related description in the embodiment corresponding to fig. 2 specifically, which is not described herein again. In the embodiment of the present invention, on the basis of the functional modules shown in fig. 8, the block chain-based personal credit investigation apparatus further includes a denial authorization module 901.
And a refusal authorization module 901, configured to refuse to authorize the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request after determining that the current financial system is not a federation link node.
In the embodiment of the present invention, after determining that the current financial system is not a federation link node, the authorization rejection module 901 rejects to authorize the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request, so as to ensure the security of the personal credit investigation information.
Fig. 10 shows functional modules of a block chain-based personal credit investigation device according to a tenth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to ensure accuracy of the personal credit investigation, referring to fig. 10, each module included in the block chain-based personal credit investigation apparatus is configured to execute each step in the embodiment corresponding to fig. 3, specifically please refer to fig. 3 and the related description in the embodiment corresponding to fig. 3, which is not described herein again. In the embodiment of the present invention, on the basis of the above functional modules, the block chain-based personal credit investigation apparatus further includes an investigation number updating module 1001.
And a query number updating module 1001, configured to update the remaining queryable number of the current user in the federation chain.
In the embodiment of the present invention, the query frequency updating module 1001 updates the remaining queryable frequency of the current user in the federation chain, so as to ensure the accuracy of the personal credit investigation.
Fig. 11 shows a structural schematic diagram of an authorization query module 802 in a block chain-based personal credit investigation device according to an eleventh embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to improve the accuracy of the personal credit investigation, referring to fig. 11, each unit included in the authorization inquiry module 802 is configured to execute each step in the embodiment corresponding to fig. 4, specifically refer to fig. 4 and the related description in the embodiment corresponding to fig. 4, and details thereof are not repeated here. In the embodiment of the present invention, the authorization query module 802 includes a number-of-times authorization query unit 1101 and a credit investigation authorization query unit 1102.
The number-of-times authorization query unit 1101 is configured to, after determining that the current financial system is a federation link node, authorize the current financial system to query the remaining queryable number of times of the current user according to the personal credit investigation request.
And a credit investigation authorization query unit 1102, configured to authorize the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request when the remaining queryable number of the current user is greater than zero.
In the embodiment of the present invention, after determining that the current financial system is a federation link node, the number-of-times authorization query unit 1101 authorizes the current financial system to query the remaining queryable times of the current user according to the personal credit investigation request; when the remaining queryable times of the current user is greater than zero, the credit investigation authorization query unit 1102 authorizes the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request, and accuracy of the personal credit investigation is improved.
Fig. 12 shows an information maintenance module 803 in a block chain-based personal credit investigation device according to a twelfth embodiment of the present invention, which only shows the relevant parts related to the embodiment of the present invention for convenience of description, and the details are as follows:
in an embodiment of the present invention, in order to store the personal credit investigation record, referring to fig. 12, each unit included in the information maintenance module 803 is used to execute each step in the embodiment corresponding to fig. 5, specifically please refer to fig. 5 and the related description in the embodiment corresponding to fig. 5, which is not described herein again. In this embodiment of the present invention, the information maintenance module 803 includes a service information broadcasting unit 1201, a service information identifying unit 1202, and a service information maintenance unit 1203.
A service information broadcasting unit 1201, configured to broadcast service transaction information determined by the current financial system based on the personal credit information of the current user and the service transaction request submitted by the current user on the alliance chain,
and the service information consensus unit 1202 is configured to perform consensus on the service handling information after each financial node in the alliance chain receives the service handling information broadcasted by the current financial system.
And the service information maintenance unit 1203 is configured to add the service handling information after the financial nodes in the federation chain pass the consensus to the blockchain address of the current user in the federation chain.
In the embodiment of the invention, a service information broadcasting unit 1201 broadcasts service handling information determined by a current financial system on a alliance chain; the service information consensus unit 1202 performs consensus on the service handling information by each financial node in the alliance chain, and the service information maintenance unit 1203 adds the service handling information after consensus is passed to the blockchain address of the current user in the alliance chain, so that the personal credit investigation record can be stored.
Fig. 13 shows functional modules of a block chain-based personal credit investigation device according to a thirteenth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to improve the security of the key/blockchain address management, referring to fig. 13, each module included in the functional module of the block chain-based personal credit investigation device is configured to perform each step in the embodiment corresponding to fig. 6, and specifically please refer to fig. 6 and the related description in the embodiment corresponding to fig. 6, which is not repeated herein. In the embodiment of the present invention, based on the above module structure, the functional module of the block chain-based personal credit investigation apparatus further includes a management request broadcasting unit 1301, a management request identifying unit 1302, and a management unit 1303.
A management request broadcasting unit 1301, configured to broadcast a key/blockchain address management request received by the current financial system over the federation chain.
The management request consensus unit 1302 is configured to perform consensus on the key/blockchain address management request after each financial node in the federation chain receives the key/blockchain address management request broadcasted by the current financial system.
And a management unit 1303, configured to manage the key/blockchain address in the federation chain according to the key/blockchain address management request after the financial nodes in the federation chain have passed the consensus.
In the embodiment of the present invention, the management request broadcasting unit 1301 broadcasts the key/blockchain address management request received by the current financial system on the alliance chain; the management request consensus unit 1302 identifies each financial node in the alliance chain with the key/blockchain address management request; the management unit 1303 manages the key/blockchain address in the federation chain based on the key/blockchain address management request after passing the consensus, so as to improve the security of key/blockchain address management.
Fig. 14 shows functional modules of a block chain-based personal credit investigation device according to a fourteenth embodiment of the present invention, and for convenience of description, only the parts related to the embodiment of the present invention are shown, which are detailed as follows:
in an embodiment of the present invention, in order to improve the security of joining a new financial node into a federation chain, referring to fig. 14, each module included in the block chain-based personal credit investigation device is configured to execute each step in the embodiment corresponding to fig. 7, which please refer to fig. 7 and the related description in the embodiment corresponding to fig. 7 specifically, which is not described herein again. In the embodiment of the present invention, based on the above module structure, the functional modules of the block chain-based personal credit investigation apparatus further include an uplink request broadcasting module 1401, an uplink request identifying module 1402 and an uplink module 1403.
An uplink request broadcasting module 1401, configured to broadcast, on the alliance chain, an uplink request for joining the new financial system to the alliance chain, where the uplink request is received by the management node on the alliance chain; and the management node on the alliance chain is a financial node on the alliance chain which is selected by consensus of all financial nodes on the alliance chain.
The cochain request consensus module 1402 is configured to perform consensus on the cochain request after each financial node in the alliance chain receives the cochain request broadcast by the management node in the alliance chain.
A cochain module 1403, configured to add the new financial system to the alliance chain to become a new node of the alliance chain after the cochain request, broadcast by the management node on the alliance chain, of each financial node on the alliance chain passes the cochain request consensus.
In the embodiment of the present invention, the uplink request broadcasting module 1401 broadcasts, on the alliance chain, an uplink request for joining a new financial system to the alliance chain, which is received by a management node on the alliance chain; the uplink request consensus module 1402 identifies the uplink request after each financial node in the alliance chain receives the uplink request broadcast by the management node in the alliance chain; the uplink module 1403, after the uplink request consensus broadcasted by each financial node on the alliance chain to the management node on the alliance chain passes, adds the new financial system to the alliance chain to become a new node of the alliance chain, and improves the security of adding the new financial node to the alliance chain.
In a alliance chain, one or more enterprises can be jointly selected as an 'alliance chain manager' role (alliance chain management node) by a plurality of enterprises (a plurality of financial nodes) participating in the alliance chain, and a 'system manager' authority certificate is distributed to other banking enterprises (financial nodes) and is used for authority distribution and personnel management, so that only a specific enterprise can deploy contracts;
the banking institution (alliance chain management node) that obtains the authority certificate of the system administrator can assign the authority to the corresponding system maintainer, and is used for managing the daily maintenance work of the alliance chain, such as adding and deleting nodes, assigning the authority of the access user, and the like. The system administrator may assign an "access user" authority certificate for the access user, which is used to control client admission, and only the user with the certificate can connect to the federation link node.
The user who obtains the authority certificate of the 'access user' can send a credit investigation request to the alliance chain node, the certificate passes the verification, and the user can inquire the personal credit investigation information and is used for calling the read-write operation of contract information and a user data table. For the supervision department (financial node), the corresponding authority certificate can be distributed according to the supervision requirement, such as inquiring about the read-only authority of the query data.
The personal credit investigation information management system is deployed in a supervision authority (management node), and comprises:
the personal credit investigation information inquiry module is used for inquiring credit investigation information and inquiry times of a transactor;
the personal credit investigation information maintenance module: the system is used for storing personal credit investigation information, including credit investigation information corresponding to each person, stored on a unique blockchain address and all maintenance records of the information.
A federation mechanism management module: for managing and maintaining banking institutions (financial nodes), providing authority for data viewing, transmission and sharing
A key management module: for managing blockchain keys.
A block chain address management module: for managing the block chain information storage address.
(II) a bank credit investigation management system deployed in a financial institution (financial node):
the personal credit investigation information inquiry module is used for inquiring credit investigation information and inquiry times by a transactor;
and the personal credit investigation information maintenance module is used for managing the inquired credit investigation frequency information of the business handling person of the local bank.
And the client information management module is used for recording the identity information of the transacted business from the bank and the transacted personal credit investigation business information.
A key management module: for managing blockchain keys.
A block chain address management module: for managing the block chain information storage address.
In the whole system, the personal credit investigation information management system and the personal credit investigation management systems of all banks are managed by the unique ID of the user on the block chain address. The personal credit investigation information management system records and stores personal credit investigation information and inquireable frequency information of a person by using a block chain technology; the personal credit investigation management system of each bank records all information of personal credit investigation service: including the name of the transaction, the time, the transaction history, etc. By combining the information, a completion structure of the personal credit investigation information is formed, and the tracing of the personal credit investigation service of the user can be realized.
By adopting the personal credit investigation information management system and the personal credit investigation management system of each bank, the personal credit investigation information is credible and can not be tampered by adopting the block chain technology. In the whole service handling process, the participation of credit investigation supervision mechanisms can be reduced, and the time cost of service handling is saved. The financial institution can inquire the real condition of the transactor through the bank personal credit information management system. Meanwhile, through other bank alliance members in the alliance chain, the credit investigation and inquiry times of the user are maintained, and the transactor is informed in a multi-angle and all-around manner. The credit investigation supervising agency can also integrate and manage the data resources of each bank agency through the block chain, supervise the condition of the personal credit investigation service, reduce the working pressure and improve the efficiency.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the personal credit investigation method based on the block chain when executing the computer program.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above block chain-based personal credit investigation method is stored in the computer-readable storage medium.
The method and the device for transaction processing provided by the invention can be applied to the financial field and can also be applied to other application fields except the financial field, and the embodiment of the invention does not particularly limit the application fields.
In summary, in the embodiment of the present invention, when receiving a personal credit investigation request sent by a current financial system, first determining whether the current financial system is a federation link node; after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request so as to improve the safety of the personal credit investigation; and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain. The embodiment of the invention authorizes the current financial system to inquire the personal credit investigation information after determining that the current financial system is the alliance link node, thereby improving the safety of personal credit investigation; the financial systems are connected in a alliance chain by using a block chain technology, so that the efficiency of individual credit investigation is improved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (12)
1. A block chain-based personal credit investigation method is characterized in that the method is applied to a personal credit investigation management system and comprises the following steps:
when a personal credit investigation request sent by a current financial system based on a business transaction request submitted by a current user is received, determining whether the current financial system is a alliance link node;
after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request;
and adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain.
2. The block chain-based personal credit investigation method of claim 1, further comprising:
and after the current financial system is determined not to be the alliance link node, refusing to authorize the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request.
3. The block chain-based personal credit investigation method of claim 1, further comprising:
and updating the remaining inquiry times of the current user on the alliance chain.
4. The block chain-based personal credit investigation method of claim 1, wherein after determining that the current financial system is a alliance chain node, authorizing the current financial system to investigate the personal credit investigation information of the current user according to the personal credit investigation request comprises:
after the current financial system is determined to be a alliance link node, authorizing the current financial system to inquire the remaining inquired times of the current user according to the personal credit investigation request;
and when the remaining inquireable times of the current user is more than zero, authorizing the current financial system to inquire the personal credit investigation information of the current user according to the personal credit investigation request.
5. The method as claimed in claim 1, wherein the step of adding the service transaction information determined by the current financial system based on the personal credit information of the current user and the service transaction request submitted by the current user to the blockchain address of the current user in the alliance chain comprises:
broadcasting the service handling information determined by the current financial system based on the personal credit information of the current user and the service handling request submitted by the current user on a alliance chain;
after receiving the service handling information broadcasted by the current financial system, each financial node on the alliance chain identifies the service handling information;
and adding the service handling information after the consensus of each financial node on the alliance chain passes to the block chain address of the current user on the alliance chain.
6. The block chain-based personal credit investigation method of claim 1, further comprising:
broadcasting a key/blockchain address management request received by a current financial system on a alliance chain;
after receiving a key/blockchain address management request broadcasted by a current financial system, each financial node in the alliance chain identifies the key/blockchain address management request;
and managing the key/blockchain address on the alliance chain according to the key/blockchain address management request after the financial nodes on the alliance chain have passed the consensus.
7. The block chain-based personal credit investigation method of claim 1, further comprising:
broadcasting a cochain request for adding a new financial system received by a management node on the coalition chain into the coalition chain on the coalition chain; the management node on the alliance chain is a financial node on the alliance chain which is selected by consensus of all financial nodes on the alliance chain;
after each financial node on the alliance chain receives a chain winding request broadcasted by a management node on the alliance chain, performing consensus on the chain winding request;
after the financial nodes in the alliance chain pass the uplink request consensus broadcasted by the management node in the alliance chain, the new financial system is added into the alliance chain to become a new node of the alliance chain.
8. A block chain-based personal credit investigation device is applied to a personal credit investigation system and comprises the following components:
the node determining module is used for determining whether the current financial system is a alliance link node or not when receiving a personal credit investigation request sent by the current financial system based on a service transaction request submitted by a current user;
the authorization query module is used for authorizing the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation request after the current financial system is determined to be the alliance link node;
and the information maintenance module is used for adding the business handling information determined by the current financial system based on the personal credit information of the current user and the business handling request submitted by the current user to the block chain address of the current user in the alliance chain.
9. The block chain-based personal credit investigation device according to claim 8, characterized in that the authorization inquiry module comprises:
the number-of-times authorization query unit is used for authorizing the current financial system to query the remaining queryable number of the current user according to the personal credit investigation request after the current financial system is determined to be the alliance link node;
and the credit investigation authorization query unit is used for authorizing the current financial system to query the personal credit investigation information of the current user according to the personal credit investigation query request when the remaining queryable times of the current user is more than zero.
10. The block chain-based personal credit investigation device according to claim 8, characterized in that the information maintenance module comprises:
the service information broadcasting unit is used for broadcasting the service handling information determined by the current financial system based on the personal credit information of the current user and the service handling request submitted by the current user on the alliance chain;
the service information consensus unit is used for performing consensus on the service handling information after each financial node on the alliance chain receives the service handling information broadcasted by the current financial system;
and the service information maintenance unit is used for adding the service handling information which is commonly identified by each financial node in the alliance chain to the block chain address of the current user in the alliance chain.
11. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the block chain based personal credit inquiry method of any one of claims 1 to 7 when executing the computer program.
12. A computer-readable storage medium, wherein the computer-readable storage medium stores a computer program for executing the block chain based personal credit inquiry method of any one of claims 1 to 7.
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