CN115796764A

CN115796764A - Loan archive management method, system and terminal based on block chain and IPFS

Info

Publication number: CN115796764A
Application number: CN202211379135.4A
Authority: CN
Inventors: 许龙伍
Original assignee: Beijing Murong Information Technology Co ltd
Current assignee: Beijing Murong Information Technology Co ltd
Priority date: 2022-11-04
Filing date: 2022-11-04
Publication date: 2023-03-14

Abstract

The invention belongs to the technical field of loan file management, and discloses a loan file management method, a system and a terminal based on a block chain and IPFS (Internet protocol File System). The loan acceptance, pre-loan investigation, loan approval, loan issuance and post-loan management services are analyzed, and all operations form an operation flow according to the sequence; and constructing a user loan archive operation block chain according to the operation flow, and carrying out encryption storage and version management on the loan archive files by utilizing IPFS (internet protocol file system), thereby realizing loan archive management. The invention constructs a user file operation flow block chain, and ensures the traceability of file operation by utilizing the characteristic that the block chain is transparent and can not be tampered; the IPFS is used for carrying out version management on the historical files, so that file maintenance is facilitated, and meanwhile, the safety of the files is guaranteed; by constructing a loan archive management method based on a block chain and IPFS, the safety of the archive is improved. The invention reduces the workload of file managers and the requirement of professional skills, thereby reducing the labor cost and solving the problem of information isolated island.

Description

Loan archive management method, system and terminal based on block chain and IPFS

Technical Field

The invention belongs to the technical field of loan archive management, and particularly relates to a loan archive management method, system and terminal based on a block chain and IPFS.

Background

With the rapid development of the economic society and the rapid iteration of the technology, the office automation level is higher and higher, the popularization of electronic files is promoted, and the process of file informatization is promoted. The electronic file is generated, processed and stored by digital equipment, recorded in binary digits, and represents the flow of information formation, processing, transmission and storage in the forms of characters, diagrams, images, audio, video and the like. Electronic files cover the life cycle of the file and have the dual attributes of digital information and files. The generation, reading, processing and storage of electronic documents need to be supported by software and hardware under certain technical environment. The electronic document is composed of three elements of content, background and structure, wherein the content represents information covered by the document, the background represents information such as an author, a literary composition time, a recipient and an environment, and the structure represents information such as a storage position, a document format and a relationship structure.

The rapid development of the electronic information technology provides a power source for the modernization process of loan archive management work, and meanwhile, the probability of password cracking and archive information leakage is improved, and serious threats are brought to archive information safety. The final purpose of archive management is to deeply dig deep data information resources existing in the archives through a large amount of research and analysis, so that the archives are highly utilized, and the service function of the archives is exerted.

Traditional file administration mainly takes manual management's mode as the owner, and the archival storage is mostly taken paper archives as the owner, not only consumes a large amount of material resources, occupies a large amount of human resources, space resource and financial resources moreover. Electronic files can obviously reduce cost expenditure, do not need a large amount of places to carry out archives and deposit, make archives managers operating pressure obviously reduce. Thanks to the special carrier form of the electronic archive, the efficiency of data information transmission and sharing is obviously improved.

However, electronic files are not perfect. The following problems exist in current loan profile management efforts:

(1) The safety problem of the file. The loan file management has the problems of good and irregular personnel quality, weak security protection consciousness of the electronic file, insufficient understanding cognition of confidential knowledge and the like. Once the electronic file of the enterprise is tampered or leaked, serious damage can be caused to the development of the enterprise. In addition, many enterprises adopt a centralized file management mode, all electronic files are stored in one storage device without additional backup, and once a file system is invaded by a hacker or an operation error occurs to a worker, the file content is likely to be permanently damaged and lost, so irreparable loss is caused to the enterprises.

(2) Collecting and sharing files. Enterprises generate a large number of electronic archive files every year, the archives are scattered in departments, departments and even personal hands of the enterprises, and if unified planning on archive management is lacked, the archives are inconvenient to collect and share. On one hand, due to the lack of effective cooperation among all the departments, the file resources are difficult to collect and arrange at the first time, and even the mutual elbow locking phenomenon of all the departments occurs; on the other hand, when looking over the archive files, all departments and individuals often need to go through the process of layer by layer, which seriously affects the use of the archive resources, reduces the operation efficiency of enterprises, and cannot give full play to the support of the archive resources on the business decisions of the enterprises.

The main process of the personal loan is five parts: loan acceptance, pre-loan investigation, loan approval, loan issuance (including mortgage), and post-loan management. For personal housing loans, there is also work to review collaborative housing floor projects prior to the main process.

The loan profile mainly includes the borrower's relevant data and the post-loan management relevant data.

The file formed in the loan acceptance phase should contain a personal loan application form; the borrower and the spouse identity card thereof, the account book and the marital situation proving copy; the system comprises a common borrower identity certification and income certification, borrower income certification data, common borrower income certification data, a credit report and the like.

The file formed in the loan investigation phase should contain interview records, and the investigation report is made by the bank personal loan management department and the individual loan file management staff.

The file formed in the loan approval stage is mainly an approval form. The approver makes professional judgment on the loan risk according to the materials, thereby giving two approval opinions of 'pass' and 'deny'.

The archive material formed in the loan issuance phase mainly comprises: loan contracts, mortgage contracts, credit debit bankbook copies, deposit accounting documents, etc.

The archives formed by post-loan management mainly comprise: personal loan checklists, replenishment contracts (customer repayment in advance, shortening loan term, etc.), record of collection, etc.

Blockchains are decentralized distributed accounting technologies, which are essentially a new type of database that can be shared and replicated among different parties. The database must be updated according to preset rules, and data sharing is performed with all parties after updating is completed, so that the purpose of value transfer is achieved. The block chain is mainly composed of blocks and chains, wherein the blocks refer to data elements needing to be processed and stored in the database, and the chains refer to different blocks which are connected by means of Hash binary trees and the like, so that whether the original blocks are forged or tampered can be verified, and the blocks are used as bases for judging the credibility of the blocks. The block chain technology has the characteristics of structure decentralization, transaction decentralization, information traceability and strong confidentiality. The block chain technology is applied to loan archive management, so that the safety of the archive can be greatly improved.

Data is presented in blocks. When a block of data is linked to the chain, its internal data cannot be changed any more. Once a block is added to the chain, the data within the block is publicly visible to anyone, with no risk of tampering with the record.

Each block is divided into a block head part and a block body part. The block contains transaction information and a transaction is sent to the blockchain network and then packed into a block. The merkel tree consists of roots, branches (intermediate non-leaf nodes), leaf nodes. It has two important features, the first is that leaf nodes contain hash values of related data (not related data itself); the second content that is not a leaf node is a hash of the hash values of the children. The hash values of every two child nodes are hashed to obtain the hash value of the parent node, for example, HAB = hash (HA, HB), and so on to obtain HABCDEFGH. Any changes to the underlying data are propagated to its parent nodes up to the root of the tree, which is primarily used to quickly summarize and verify the integrity of the block data. The hash value of the root node can be accurately used as a unique abstract of a group of transactions and placed at the head of a block to be used as a root of a Merck tree. The block header contains 6 fields as shown in table 1.

TABLE 1 structural composition of Block headers

IPFS (interplanetary File System) the Chinese name "interplanetary File System" is a distributed Web Point-to-Point hypermedia protocol. IPFS no longer relies on a backbone network and a centralized server, and all devices in the network are connected through a file system, so that files stored in the system can be quickly acquired at any place around the world; IPFS has historical version backtracking, data can be permanently saved, and all operations are reversible, like the commonly used git; IPFS can change the distribution mechanism of Web content to realize decentralization, and the IPFS is based on CDN (content delivery acceleration technology); in the IPFS system, files and data have existing uniqueness, one file is added into an IPFS network, and a unique encrypted hash value is given to content based on calculation; IPFS has a file repetition detection mechanism, and the problem of resource redundancy cannot occur.

The current loan archive management methods mainly include the following methods:

traditional paper archives: use manual management as the owner, archives are stored with the paper mode, need establish special archives storage storehouse, and the archives administrator supervises all weather. All the archive management processes, such as collection, filing, retrieval and destruction of archives, need to be operated by archive managers, so that the archive information transmission is slow, the timeliness is not strong, and the safety is low.

Low-level electronic files: the application of the computer in the work is still in the starting stage, most of the applications only use the computer to perform simple business handling or file making and printing, and the utilization of the electronic file is in the form.

Electronic files which completely depend on the cloud: all files are stored in the background system and the cloud database in a centralized manner, so that the safety management still has a large space for improvement, and the risk of file information leakage and tampering exists.

However, the conventional loan file management method mainly has the following disadvantages:

(1) Loose management and opaque information.

In a centralized data management system, from the view of the file circulation process, information of all parties cannot be effectively interacted. Data barriers exist in different links, information sharing is difficult to achieve, meanwhile, operation records of a user or a file manager on files are difficult to trace, and the openness and transparency cannot be guaranteed.

(2) The information can be tampered with.

In the centralized system, the phenomenon of unauthorized information change can exist due to the fact that the authority of the central node is too large and is driven by benefits. When a problem arises with file management, the associated personnel may privately tamper with the data in order to evade the liability penalty. The authenticity of the tracing information cannot be guaranteed.

(3) Historical versions are difficult to trace back.

After the user profile is created, a plurality of historical versions are generated through the process of handling relevant procedures or flows by the profile manager. The conventional archive management is difficult to realize the tracing of the historical archive.

Through the above analysis, the problems and defects of the prior art are as follows:

(1) Traditional file administration mainly uses manual management's mode as the owner, and paper archives are given first place to archival storage, and archival information transfer is slow excessively, the ageing is not strong, and the security is lower, not only consumes a large amount of material resources, occupies a large amount of manpower resources, space resources and financial resources moreover.

(2) The existing electronic loan file has the risk of file information leakage and tampering, and has no extra backup, thus being easy to cause irrecoverable loss; and lack unified planning, be difficult to collect and arrange in order, each department mutually pins the elbow, and the process is numerous, seriously influences the use of archives resource.

(3) The conventional loan file management is loose, data barriers exist in different links, and information sharing is difficult to achieve; the operation records are difficult to trace the source, and the information is opaque; information can be tampered, authenticity of the source tracing information cannot be guaranteed, and source tracing of historical files is difficult to achieve through conventional file management.

Disclosure of Invention

Aiming at the problems in the prior art, the invention provides a loan file management method, a loan file management system and a loan file management terminal based on a block chain and an IPFS.

The invention is realized in this way, a loan file management method, the loan file management method includes: analyzing the loan acceptance, the pre-loan investigation, the loan approval, the loan issuance and the post-loan management business, and forming an operation flow by all the operations of the archives according to the sequence; and constructing a user loan archive operation block chain according to the operation flow, and carrying out encryption storage and version management on the loan archive files by utilizing IPFS (internet protocol file system), thereby realizing loan archive management.

Further, the loan profile management method further comprises: storing the operation information of the user on the files and the IPFS addresses of the new files and the old files by using the block chain; the IPFS is used for carrying out encryption storage and version management on archive files, the safety of data in the loan archive management process is guaranteed from three dimensions of archive access, sensitive information storage and historical archive management, and meanwhile archive operation and archive history traceability are achieved.

Further, the loan profile management method further comprises: the circulation of loan documents among loan acceptance, pre-loan investigation, loan approval, loan issuance, and post-loan administration links corresponds to a set of ordered operations that occur on the documents. When the user loan file is changed from the loan approval state to the loan issuance state, the related file auditors perform approval initiation, examination and approval suggestion filling and examination and approval ending operations on the user file, and a group of ordered operations of file state change are defined as an operation flow; all operations of all the links of loan archive management correspond to an operation flow of archives and comprise a group of related operations performed on the archives.

Further, the loan profile management method further includes: and constructing a user loan archive operation block chain according to the operation flow, and designing a block body aiming at the user loan archive block chain. And storing various operation information of the user or a file manager on the file by using the block chain, wherein the operation information comprises an operator, file creation, file modification, file handover, file approval, the IPFS address of the original file and the IPFS address of the new file. The data are stored in the block body of the block chain data block, and the block body stores a Merckel tree formed by an operator, an operation object and a generation object, so that the file operation is transparent and cannot be tampered.

Further, the loan profile management method further includes: each operation in the operation flow has an effect on the user loan profile, thereby deriving a new version, each operation corresponding to a version of the user profile. Utilizing IPFS to manage historical versions of files, if file information changes due to the influence of operation flow, reserving both the historical versions and modified versions, and constructing an update history chain of user files for file managers to inquire the historical versions of the files; the loan archive original file of the user is divided into a plurality of IPFS objects, and the IPFS objects are stored on different nodes after being encrypted, so that the safety of archive information is guaranteed.

Further, the three dimensions of file access, sensitive information storage and historical file management to ensure the safety of data in the loan file management process comprises the following steps:

access control dimension: storing access, modification records, IPFS (Internet protocol file system) addresses of current files and IPFS addresses of new version files generated by operation by a user by using a block chain, wherein once a chain is linked, the current file is unchangeable, unrepairable and unreliable, an operator, an operation object, an operation mode and an operation result are determined, so that the operation history of the files is traced, and a person in charge is determined;

sensitive information storage dimension: the IPFS is used for carrying out encryption and block storage on the file information, a single node cannot know the content stored by the IPFS object, and the security of sensitive information of the user file is ensured;

historical archive management dimension: and using IPFS to perform version management on the archive file, reserving all historical versions of the user archive, and tracing the archive history.

Another object of the present invention is to provide a loan file management system using the method for managing a loan file, the loan file management system comprising:

the management service analysis module is used for analyzing the loan acceptance, the pre-loan investigation, the loan approval, the loan issuance and the post-loan management service and forming an operation flow by all the operations according to the sequence;

the loan archive management module is used for constructing a user loan archive operation block chain according to the operation flow, and carrying out encryption storage and version management on loan archive files by using IPFS (Internet protocol file system) to realize loan archive management;

and the archive tracing module is used for ensuring the safety of data in the loan archive management process from three dimensions of archive access, sensitive information storage and historical archive management, and realizing the tracing of archive operation and archive history.

It is a further object of the present invention to provide a computer device comprising a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to perform the steps of the loan profile management method.

It is another object of the present invention to provide a computer-readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of the loan profile management method.

Another object of the present invention is to provide an information data processing terminal for implementing the loan profile management system.

In combination with the technical solutions and the technical problems to be solved, please analyze the advantages and positive effects of the technical solutions to be protected in the present invention from the following aspects:

first, aiming at the technical problems existing in the prior art and the difficulty in solving the problems, the technical problems to be solved by the technical scheme of the present invention are closely combined with the technical scheme to be protected and the results and data in the research and development process, and some creative technical effects brought after the problems are solved are analyzed in detail and deeply. The specific description is as follows:

the invention overcomes the defects of the prior art and provides a loan archive management method based on a block chain and IPFS (Internet protocol file system). A block chain technology is used for storing operation information of a user on an archive and IPFS addresses of new and old archives; the IPFS is used for carrying out encryption storage and version management on the archive files, the safety of data in the loan archive management process can be guaranteed from three dimensions of archive access, sensitive information storage and historical archive management, and meanwhile archive operation and archive history traceability are achieved. The invention provides a loan file management method based on IPFS and a block chain based on the whole process of loan file management. The invention constructs the user file operation flow block chain, and ensures the traceability of the file operation by utilizing the characteristic that the block chain is transparent and can not be tampered. The invention utilizes IPFS to carry out version management on the historical files, thereby facilitating file maintenance and simultaneously ensuring the safety of the files.

According to the loan archive management method based on the block chain and the IPFS, the safety of the archive is improved. The special data structure of the block chain can reserve the information of each link of loan archive management circulation, and the information on the chain is sorted according to the time sequence. Once any archive management problem occurs, all processes from establishment to the present of the whole archive can be traced, and each link is detected, so that the traceable problem is solved. The invention utilizes IPFS to manage the historical files, and further improves the safety of the user files. The invention reduces the workload of the archive management personnel and the requirement of professional skills, thereby reducing the labor cost. Block chains are decentralized, with equal message sending and receiving by nodes in the network maintaining the ledger. Each node has an account book, and any party with a problem does not influence the process. Meanwhile, the block chain system provided by the invention is transparent in disclosure, and can inquire the data record of the block chain through an open interface. Therefore, all nodes on the loan archive full-flow chain can share data, and the information isolated island problem is solved.

Meanwhile, the invention also has the following advantages:

(1) Starting from the management flow of loan archives, a loan archive management method based on IPFS and block chaining is provided, and the method guarantees the safety of archive information from three dimensions of access control, sensitive information storage and historical archive management.

(2) Access control dimension: and storing the access of a user to a certain file, a modification record, the IPFS address of the current file and the address information of a new version large file generated by the operation in the IPFS by using a block chain, wherein once the uplink is unavailable, the new version large file cannot be changed, and cannot be revoked or repudiated, so that an operator, an operation object, an operation mode and an operation result are determined. The operation history of the file is convenient to trace, and the person responsible is clear.

(3) Sensitive information storage dimension: the IPFS is used for encrypting and blocking the archive information, a single node cannot know the content stored by the IPFS object, and the security of sensitive information of the user archive is guaranteed.

(4) Historical archive management dimension: and using IPFS to manage the version of the file, and reserving all historical versions of the user file. The source tracing of the file history is facilitated.

Secondly, considering the technical scheme as a whole or from the perspective of products, the technical effect and advantages of the technical scheme to be protected by the invention are specifically described as follows:

the loan archive management method provided by the invention is based on the block chain and the IPFS, can solve the problem of low security of the loan archive in the prior art, and improves the security of the loan archive from two dimensions of access control and sensitive information storage. In the aspect of access control, by constructing the user file operation flow block chain, the advantages of block chain disclosure transparency and information tamper resistance are fully utilized, so that various operations performed on files can be traced, related persons of responsibility are determined, and the problem of deniability responsibility in file management work is solved. In the aspect of sensitive information storage, aiming at the particularity of archive data, the IPFS is used for encrypting and blocking the archive information, so that the safety of the archive data is guaranteed; the invention can solve the problem that the personal file history of the loan is difficult to trace the source in the prior art, starting from the core concept of file operation flow, the operation inevitably causes the corresponding change of the file, so the file derives the corresponding new version, the invention utilizes IPFS to manage the historical versions of the file, the historical versions of the user file are all reserved, and an updating history chain of the user file is established, and the file manager traces all the historical versions and corresponds to the relevant operation and responsible person; the invention can solve the problem that the historical operation of the loan archive is difficult to trace in the prior art. The method comprises the steps of constructing a user file operation flow block chain, storing access and modification records of a user to a certain file, an IPFS address of the current file and address information of a new version large file generated by operation in the IPFS by using the block chain, wherein the IPFS address cannot be changed, cannot be revoked and cannot be repudiated once the chain is linked, and an operator, an operation object, an operation mode and an operation result are determined. The operation history of the file is convenient to trace, and the person responsible is clear.

Third, as inventive supplementary proof of the claims of the present invention, there are several important aspects as follows:

the technical scheme of the invention solves the technical problems which are always desired to be solved but are not successful:

problem with the uplink of file data: the blockchain technique requires that each node in the system should hold a copy of data, and the data is transparent to the blockchain, which is extremely difficult for the growing mass data storage. The user's loan profile data is private and not suitable for direct storage on the blockchain. Therefore, a user operation stream block chain is constructed only for storing the operation information of the user to the files and the IPFS addresses of the new and old files, thereby avoiding the problem caused by direct uplink storage of the file files.

Problems of tracing historical versions of archives: data on the blockchain cannot be changed once it is uplinked, which is disadvantageous for file management. The circulation of the archive in various links necessarily leads to the derivation of new versions, involving modifications to the archive. According to the invention, the IPFS is adopted to carry out version management on the files, all versions of the files are stored, and a file updating history chain is constructed, so that the files can be conveniently traced by file managers.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings needed to be used in the embodiments of the present invention will be briefly described below, and it is obvious that the drawings described below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without creative efforts.

FIG. 1 is a flow chart of a loan profile management method according to an embodiment of the invention;

FIG. 2 is a diagram of the technical architecture of a loan archive management method according to an embodiment of the invention;

FIG. 3 is a block diagram of a loan file management method according to an embodiment of the invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is further described in detail with reference to the following embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.

In view of the problems in the prior art, the present invention provides a loan archive management method, system and terminal based on a block chain and an IPFS, which are described in detail below with reference to the accompanying drawings.

1. The embodiments are explained. This section is an explanatory embodiment expanding on the claims so as to fully understand how the present invention is embodied by those skilled in the art.

Interpretation of terms: the operation flow is as follows: a set of related operations is performed on the file to cause a change in the state of the file.

As shown in fig. 1, the loan profile management method according to the embodiment of the present invention includes the following steps:

s101, analyzing loan acceptance, pre-loan investigation, loan approval, loan issuance and post-loan management services, and forming an operation flow by all operations according to a sequence;

s102, constructing a user loan archive operation block chain according to the operation flow, and carrying out encryption storage and version management on loan archive files by using IPFS to realize loan archive management;

s103, the data security in the loan archive management process is guaranteed from three dimensions of archive access, sensitive information storage and history archive management, and meanwhile archive operation and archive history traceability are achieved.

As a preferred embodiment, as shown in fig. 2, the loan file management method provided in the embodiment of the present invention specifically includes:

the management of the loan archives is divided into five links of loan acceptance, pre-loan investigation, loan approval, loan issuance and post-loan management. The circulation of the archive between each link corresponds to a set of ordered operations that occur on the archive. For example, if a user's loan file is to be changed from a loan approval state to a loan issuance state, a related file auditor is required to perform a set of operations such as initiating an approval, filling in an approval opinion, and ending the approval on the user's file. All operations of all the links of loan archive management correspond to an operation flow of archives and comprise a group of related operations performed on the archives.

And constructing an operation block chain of the user loan file according to the operation flow, wherein the block body design aiming at the block chain of the user loan file is shown in FIG. 3. The blockchain is used to store various operation information of the user or the file manager on the file, such as operator, file creation, file modification, file transfer, file examination and approval, and IPFS address of the original file and IPFS address of the new file. The data are stored in the block body of the block chain data block, and the block body is stored with a Merck tree consisting of an operator, an operation object and a generation object. The open transparency and the non-falsification of the archive operation are ensured.

At the same time, each operation in the operation flow affects the user loan profile, and the user profile derives a new version. Each operation corresponds to a version of the user profile. The embodiment of the invention utilizes IPFS to manage historical versions of files. If the file information changes due to the influence of the operation flow, the historical version and the modified version are both reserved, an update history chain of the user file is generated, and the file manager can conveniently inquire the historical version of the file. The original file of the loan archive of the user is divided into a plurality of IPFS objects, and the IPFS objects are stored on different nodes after being encrypted, so that the safety of archive information is ensured.

The embodiment of the invention guarantees the safety of the archive information from three dimensions of access control, sensitive information storage and historical archive management.

Access control dimension: the block chain is used for storing the access of a user to a certain file, the modification record, the IPFS address of the current file and the address information of a new version large file generated by the operation in the IPFS, and once the file is linked, the file cannot be changed, cannot be cancelled or cannot be repudiated, so that an operator, an operation object, an operation mode and an operation result are defined, the operation history of the file is convenient to trace, and a person in charge is defined.

Sensitive information storage dimension: the IPFS is used for encrypting and blocking the file information, and a single node cannot know the content stored by the IPFS object, so that the sensitive information safety of the user file is guaranteed.

Historical archive management dimension: and the IPFS is used for carrying out version management on the archive file, and all historical versions of the user archive are reserved, so that the archive history can be traced conveniently.

The loan archive management system provided by the embodiment of the invention comprises:

2. Application examples. In order to prove the creativity and the technical value of the technical scheme of the invention, the part is the application example of the technical scheme of the claims on specific products or related technologies.

The invention firstly carries out business analysis aiming at a plurality of links of loan file management and extracts the concept of user file operation flow. And constructing a block chain according to the operation flow of the user file and designing a block body for storing an operator, operation information and IPFS addresses of new and old files. The open transparency and the non-falsification of the archive operation are ensured.

Aiming at the problem that the historical version of the loan archive is difficult to trace, the invention provides a method for using IPFS to encrypt and store the archive in blocks. The archive files are encrypted and then stored on the IPFS objects respectively, and each IPFS object can store data with the size of 256KB, so that the safety of archive information is guaranteed. Meanwhile, a historical archive updating chain is established, and archive managers can conveniently inquire all historical versions of the archive.

3. Evidence of the relevant effects of the examples. The embodiment of the invention has some positive effects in the process of research and development or use, and indeed has great advantages compared with the prior art, and the following contents are described by combining data, charts and the like in the test process.

Compared with the existing loan file management method, the invention has the following advantages:

the file operation is completely transparent and traceable. The invention starts from the central concept of the operation flow and constructs the block chain of the user file operation flow. And storing operation information of the files by using the block chain, wherein the operation information comprises an operator, an operation and IPFS addresses of the old and new files. The file operation is guaranteed to be transparent, traceable and not to be tampered.

The historical version of the file can be traced back: based on the central concept of operation flow, the IPFS is used for performing historical version management on the files, and a historical update chain of the files is constructed. The traceability of the file history is realized.

It should be noted that the embodiments of the present invention can be realized by hardware, software, or a combination of software and hardware. The hardware portion may be implemented using dedicated logic; the software portions may be stored in a memory and executed by a suitable instruction execution system, such as a microprocessor or specially designed hardware. Those skilled in the art will appreciate that the apparatus and methods described above may be implemented using computer executable instructions and/or embodied in processor control code, such code being provided on a carrier medium such as a disk, CD-or DVD-ROM, programmable memory such as read only memory (firmware), or a data carrier such as an optical or electronic signal carrier, for example. The apparatus of the present invention and its modules may be implemented by hardware circuits such as very large scale integrated circuits or gate arrays, semiconductors such as logic chips, transistors, or programmable hardware devices such as field programmable gate arrays, programmable logic devices, or software executed by various types of processors, or a combination of hardware circuits and software, e.g., firmware.

The above description is only for the purpose of illustrating the present invention and the appended claims are not to be construed as limiting the scope of the invention, which is intended to cover all modifications, equivalents and improvements that are within the spirit and scope of the invention as defined by the appended claims.

Claims

1. A loan profile management method based on a block chain and IPFS is characterized by comprising the following steps:

analyzing the loan acceptance, pre-loan investigation, loan approval, loan issuance and post-loan management services, and forming an operation flow by all operations according to the sequence; and constructing a user loan archive operation block chain according to the operation flow, and carrying out encryption storage and version management on the loan archive files by utilizing IPFS (internet protocol file system), thereby realizing loan archive management.

2. The blockchain and IPFS based loan profile management method according to claim 1, wherein the blockchain and IPFS based loan profile management method further comprises:

storing the operation information of the user on the files and the IPFS addresses of the new files and the old files by using the block chain; the IPFS is used for carrying out encryption storage and version management on archive files, the data security in the loan archive management process is guaranteed from three dimensions of archive access, sensitive information storage and history archive management, and meanwhile archive operation and archive history traceability are achieved.

3. The blockchain and IPFS based loan file management method according to claim 1, wherein the blockchain and IPFS based loan file management method further comprises:

the circulation of loan archives among loan acceptance, pre-loan investigation, loan approval, loan issuance, and post-loan management links corresponds to a set of ordered operations that occur on the archives. When the user loan file is changed from the loan approval state to the loan issuance state, the related file auditors perform approval initiation, examination and approval suggestion filling and examination and approval ending operations on the user file, and a group of ordered operations of file state change are defined as an operation flow; all operations of all the links of loan archive management correspond to an operation flow of archives and comprise a group of related operations performed on the archives.

4. The blockchain and IPFS based loan file management method according to claim 1, wherein the blockchain and IPFS based loan file management method further comprises:

and constructing a user loan archive operation block chain according to the operation flow, and designing a block body aiming at the user loan archive block chain. And storing various operation information of the user or a file manager on the file by using the block chain, wherein the operation information comprises an operator, file creation, file modification, file handover, file approval, the IPFS address of the original file and the IPFS address of the new file. The data are stored in the block body of the block chain data block, and the block body is stored with a Merck tree formed by an operator, an operation object and a generation object, so that the file operation is transparent and cannot be tampered.

5. The blockchain and IPFS based loan file management method according to claim 1, wherein the blockchain and IPFS based loan file management method further comprises:

each operation in the operation flow affects the user loan profile, a new version is derived from the user profile, and each operation corresponds to the version of one user profile. Utilizing IPFS to manage historical versions of files, if file information changes due to the influence of operation flow, keeping both the historical versions and the modified versions, and generating an update history chain of the user files for file managers to inquire the historical versions of the files; the original file of the loan archive of the user is divided into a plurality of IPFS objects which are stored on different nodes after being encrypted, so that the safety of the archive information is ensured.

6. The method for loan profile management based on blockchain and IPFS as claimed in claim 2, wherein the securing of data in the loan profile management process from three dimensions of profile access, sensitive information storage and history profile management comprises:

access control dimension: storing access and modification records of a certain file by a user, an IPFS address of the current file and address information of a new version large file generated by operation in the IPFS by using a block chain, wherein the new version large file cannot be changed, cannot be cancelled or cannot be repudiated once the file is linked, so that an operator, an operation object, an operation mode and an operation result are defined, the operation history of the file is traced, and a person in charge is defined;

historical archive management dimension: and using IPFS to perform version management on the archive file, and reserving all historical versions of the user archive so as to trace the source of the archive history.

7. A loan profile management system applying the method for block chain and IPFS based loan profile management according to any one of claims 1 to 6, the loan profile management system comprising:

the loan archive management module is used for constructing a user loan archive operation block chain according to the operation flow, and encrypting and storing loan archive files and managing versions by utilizing IPFS (internet protocol file system) to realize loan archive management;

8. A computer arrangement, characterized in that the computer arrangement comprises a memory and a processor, the memory storing a computer program which, when executed by the processor, causes the processor to carry out the steps of the block chain and IPFS based loan profile management method according to any of claims 1-6.

9. A computer readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of the blockchain and IPFS based loan profile management method according to any one of claims 1 to 6.

10. An information data processing terminal characterized by being used to implement the loan archive management system according to claim 7.