CN115829729A - Supply chain financial credit evaluation system and method based on three-chain architecture - Google Patents
Supply chain financial credit evaluation system and method based on three-chain architecture Download PDFInfo
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Abstract
The invention discloses a supply chain financial credit evaluation system and method based on a three-chain architecture, wherein the system comprises the following steps: the key management center is used for generating a key for encrypting and decrypting the user data, carrying out hash operation, verifying a signature and encrypting and decrypting the user data, storing the generated key for encrypting and decrypting the user data in the key management center, and configuring a data encryption mode for safety management by the key management center; the cloud platform is used for storing original supply chain financial data; the block chain platform is realized based on a three-chain model, and the three-chain model comprises: an ID chain, a behavior chain, and a credit chain; and the identity controller is implemented as a group of nodes different from the blockchain platform nodes, and a plurality of nodes in the group of nodes operate simultaneously and are used for creating and managing the digital ID on the blockchain, wherein the digital ID is stored on the ID chain. And recording and credit evaluation of the medium and small enterprise business behaviors are realized by constructing an ID chain, behavior chain and credit chain three-chain model.
Description
Technical Field
The invention relates to the technical field of block chain and block chain finance, in particular to a supply chain finance credit evaluation system and method based on a three-chain architecture.
Background
Supply chain finance is a professional field of commercial banking credit business, and is also a financing channel for enterprises, especially small and medium-sized enterprises. The core value of supply chain finance is that the capital crisis of small and medium-sized enterprises is relieved, the turnover rate of supply chain capital is improved, and the overall competitiveness of the supply chain is improved. The supply chain financial mode can enable medium and small enterprises with difficulty in financing to survive, core enterprises in the supply chain can greatly relieve cost pressure, and large financial institutions such as banks for financing can expand new services and increase revenue. With the development of the internet, various large banks develop a lot of supply chain finance-related online services, and how to evaluate credit for small and medium-sized enterprises on the premise of guaranteeing the safety and reliability of credit data of the small and medium-sized enterprises is a problem to be solved urgently for supply chain finance credit.
The emergence of blockchain technology provides new solutions for supply chain financial management and information security. As a technical support of digital currency, a block chain technology is concerned by various industries, and a block chain as a distributed database system has the characteristics of safety, low cost and high efficiency, can depend on a distributed storage architecture of the block chain, and can solve the problems of privacy, reliability and the like of information in the process of collecting and evaluating credit information of small and medium-sized enterprises by using the technologies of consensus algorithm, intelligent contracts and the like. However, there is no mature supply chain financial credit evaluation system and method based on the blockchain architecture.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides the following technical scheme, a supply chain financial credit evaluation system and method based on a three-chain architecture are used for realizing the record of the operation behaviors of small and medium-sized enterprises and the evaluation of credit by constructing an ID chain, a behavior chain and a credit chain three-chain model, a block chain is used as a distributed database system, the block chain has the characteristics of safety, low cost and high efficiency, can depend on the distributed storage architecture of the block chain, and the privacy, reliability and other problems of information in the credit information collection and evaluation process of the small and medium-sized enterprises can be solved by using the technologies of a consensus algorithm, an intelligent contract and the like.
One aspect of the present invention provides a supply chain financial credit evaluation system based on a triple-chain architecture, including:
the key management center is used for generating a key for encrypting and decrypting user data, carrying out Hash operation, verifying a signature and encrypting and decrypting the user data, storing the generated key for encrypting and decrypting the user data in the key management center, and configuring a data encryption mode for safety management by the key management center;
the cloud platform is used for storing original supply chain financial data;
a blockchain platform implemented based on a three-chain model, the three-chain model comprising: an ID chain, a behavior chain, and a credit chain;
an identity controller implemented as a set of node groups distinct from the blockchain platform nodes, a plurality of nodes within the node groups operating simultaneously for creating and managing digital IDs on blockchains, the digital IDs stored on the ID chains.
Preferably, the ID chain is used for storing a digital ID for uniquely identifying the identities of the two parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then is stored on the behavior chain through consensus; the credit chain is used to store credit values for the user over the supply chain, and financial transaction records between the user and the bank.
Preferably, the creating and managing of the digital ID on the blockchain comprises a digital identity management operation, the digital identity management operation comprising adding a new digital identity and deactivating an existing digital identity.
The second aspect of the invention is used for providing a supply chain financial credit evaluation method based on a three-chain architecture, and the method comprises the following steps:
the user registers for application to join the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit evaluation system;
acquiring related data of the supply chain financial credit evaluation index of the user and storing the related data to the cloud platform;
calculating a supply chain financial credit value for the user based on the relevant data.
Preferably, the system for applying for joining financial credit evaluation in the supply chain comprises: financial institutions and small and medium enterprises in the supply chain register and apply for joining a block chain platform of the supply chain financial credit evaluation system.
Preferably, the generating a digital ID for a user participating in the supply chain financial credit evaluation system comprises:
the user submits user-related information to the blockchain platform, the user-related information including government issued certificate IDs v And basic information of a company or a bank;
after the identity controller receives the related information provided by the user, the identity controller verifies the certificate submitted by the userWhether valid or not: if the certificate is valid, informing the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, storing by the user, and calculating D id =hash（ID v Sk), mixing D id The digital ID of the user is sent to the user to complete registration, wherein the hash represents a hash function;
and if the certificate is invalid, rejecting the registration application of the block chain platform of the supply chain financial credit evaluation system.
Preferably, the supply chain financial credit evaluation index comprises: basic information of the user, repayment capacity of the user, profit capacity of the user, operation capacity of the user and growth capacity of the user.
Preferably, the acquiring the data related to the supply chain financial credit evaluation index of the user comprises acquiring the data related to the supply chain financial credit evaluation index of the user through an information management system of the user.
Preferably, the storing the relevant data to the cloud platform includes:
the block chain platform performs hash calculation on the acquired data related to the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data and storing the calculated index value on the blockchain platform;
and embedding the index value into the hash value and uploading the hash value to the cloud platform.
Preferably, said calculating a supply chain financial credit value for said user based on said associated data comprises:
acquiring the related data;
calculating a supply chain financial credit value for the user based on the relevant data;
wherein:
the acquiring the related data comprises:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
decrypting the encrypted data through a key for user data encryption and decryption, verifying a hash value of the encrypted data, and finally returning the related data to a requester;
said calculating a supply chain financial credit value for the user based on the relevant data comprises:
configuring a credit calculation intelligent contract on a credit chain, wherein the credit calculation intelligent contract is used for calculating a credit value of the user;
and the bank calls the credit calculation intelligent contract to calculate the credit value of the specified user, and then selects whether to trade with the specified user according to the credit value.
In order to achieve the above object, an electronic device according to a third aspect of the present invention includes: a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the method according to the embodiment of the second aspect of the present invention when executing the computer program.
To achieve the above object, a computer readable storage medium is provided in an embodiment of the fourth aspect of the present invention, and the computer program is used to implement the method of the embodiment of the second aspect of the present invention when executed by a processor.
The beneficial effects of the invention include:
the system and the method for evaluating the financial credit of the supply chain based on the three-chain architecture realize the record of the business behavior of the medium and small enterprises and the evaluation of the credit by constructing an ID chain, a behavior chain and a credit chain three-chain model, and the block chain is used as a distributed database system, has the characteristics of safety, low cost and high efficiency, can depend on the distributed storage architecture of the block chain, and can solve the problems of privacy, reliability and the like of information in the credit information collection and evaluation process of the medium and small enterprises by using the technologies such as consensus algorithm, intelligent contracts and the like.
Drawings
FIG. 1 is a schematic diagram of a supply chain financial credit evaluation system based on a triple-chain architecture according to the present invention;
FIG. 2 is a flowchart of a method for assessing financial credit in a supply chain based on a triple-link architecture according to the present invention;
fig. 3 is a schematic structural diagram of an electronic device according to the present invention.
Detailed Description
In order to better understand the technical solution, the technical solution will be described in detail with reference to the drawings and the specific embodiments.
The method provided by the invention can be implemented in the following terminal environment, and the terminal can comprise one or more of the following components: a processor, a memory, and a display screen. Wherein the memory has stored therein at least one instruction that is loaded and executed by the processor to implement the methods described in the embodiments described below.
A processor may include one or more processing cores. The processor connects various parts within the overall terminal using various interfaces and lines, performs various functions of the terminal and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory, and calling data stored in the memory.
The Memory may include a Random Access Memory (RAM) or a Read-Only Memory (ROM). The memory may be used to store instructions, programs, code sets, or instructions.
The display screen is used for displaying user interfaces of all the application programs.
In addition, those skilled in the art will appreciate that the above-described terminal configurations are not intended to be limiting, and that the terminal may include more or fewer components, or some components may be combined, or a different arrangement of components. For example, the terminal further includes a radio frequency circuit, an input unit, a sensor, an audio circuit, a power supply, and other components, which are not described herein again.
Example one
Referring to fig. 1, the present embodiment provides a supply chain financial credit evaluation system based on a triple-chain architecture, including:
the key management center is a completely trusted entity in the block chain network and is used for generating a key for encrypting and decrypting user data, performing hash operation, verifying signature and encrypting and decrypting the user data, storing the generated key for encrypting and decrypting the user data in the key management center, and configuring a data encryption mode for security management by the key management center;
the cloud platform is used for storing original supply chain financial data; in order to support storage of massive heterogeneous data, indexes, hash values and keys for encrypting and decrypting user data are stored on a block chain platform, and original supply chain financial data are stored on the cloud platform;
a blockchain platform implemented based on a three-chain model, the three-chain model comprising: an ID chain, a behavior chain, and a credit chain;
an identity controller implemented as a set of node groups distinct from the blockchain platform nodes, a plurality of nodes within the node groups operating simultaneously for creating and managing digital IDs on blockchains, the digital IDs stored on the ID chains.
In this embodiment, the enterprise provides basic company information to obtain a unique identifier, i.e. a digital ID, for uniquely identifying the identities of two parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then is stored on the behavior chain through consensus; the credit chain is used to store credit values for the user over the supply chain, and financial transaction records between the user and the bank.
As a preferred embodiment, the creating and managing of the digital ID on the blockchain includes a digital identity management operation that includes adding a new digital identity and deactivating an existing digital identity.
Example two
Referring to fig. 2, the embodiment is configured to provide a supply chain financial credit evaluation method based on a triple-chain architecture, including:
the user registers for application to join the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit evaluation system;
acquiring related data of the supply chain financial credit evaluation index of the user and storing the related data to the cloud platform;
calculating a supply chain financial credit value for the user based on the relevant data.
In a preferred embodiment, the system for applying for joining financial credit evaluation in the supply chain comprises: financial institutions (such as banks) and small and medium enterprises in the supply chain register and apply for joining the blockchain platform of the supply chain financial credit evaluation system.
In a preferred embodiment, the generating a digital ID for a user participating in the supply chain financial credit rating system comprises:
the user submits user-related information to the blockchain platform, the user-related information including government issued certificate IDs v And basic information of a company (or bank);
after the identity controller receives the relevant information provided by the user, verifying whether the certificate submitted by the user is valid: if the certificate is valid, informing the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, storing by the user, and calculating D id =hash（ID v Sk), mixing D id The digital ID is used as the digital ID of the user and is sent to the user to complete registration, wherein the hash represents a hash function; and if the certificate is invalid, rejecting the registration application of the block chain platform of the supply chain financial credit evaluation system.
In a preferred embodiment, the supply chain financial credit evaluation index includes: basic information of the user, repayment capacity of the user, profit capacity of the user, operation capacity of the user and growth capacity of the user.
In this embodiment, in order to effectively evaluate the credit status of a company, the following information is selected as the supply chain financial evaluation index: the enterprise basic information, the enterprise debt paying capacity, the enterprise profit capacity, the enterprise operation capacity, the enterprise growth capacity and the like.
In a preferred embodiment, the obtaining the data related to the supply chain financial credit evaluation index of the user includes obtaining the data related to the supply chain financial credit evaluation index of the user through an information management system of the user.
As a preferred embodiment, the storing the relevant data to the cloud platform includes:
the block chain platform performs hash calculation on the acquired data related to the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data and storing the calculated index value on the blockchain platform;
and embedding the index value into the hash value and uploading the hash value to the cloud platform.
In a preferred embodiment, said calculating a supply chain financial credit value for said user based on said associated data comprises:
acquiring the related data;
calculating a supply chain financial credit value for the user based on the relevant data.
As a preferred embodiment, the acquiring the related data includes:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
and decrypting the encrypted data through a key for encrypting and decrypting the user data, verifying the hash value of the encrypted data, and finally returning the related data to the requester.
In a preferred embodiment, said calculating a supply chain financial credit value for said user based on said associated data comprises:
configuring a credit calculation intelligent contract on a credit chain, wherein the credit calculation intelligent contract is used for calculating the credit value of the user, and the specific calculation method of the credit value can adopt any calculation algorithm which is commonly used by banks;
the bank calls the credit calculation intelligent contract to calculate the credit value of the specified user, and then whether to trade with the specified user is selected according to the credit value.
The specific application scenario is as follows:
in this embodiment, when a bank and a company develop related business of supply chain finance, the method for evaluating supply chain finance credit based on a block chain provided by the invention comprises the following steps:
step 1: company M registers to join blockchain
(1) Company M's representative user A submits his own pertinent information to the blockchain, including government issued valid certificate IDs v Basic information of the company, etc.
(2) After receiving the information provided by the user A, the identity controller verifies whether the certificate submitted by the user A is valid: if the certificate is valid, the key management center is informed to generate a pair of company keys (pk, sk) for the user A, the sk is sent to the user A to store, and D is calculated id =hash（ID v Sk) (hash is a hash function) as the digital ID of the user a, and is sent to the user a to complete registration;
if the certificate is invalid, the registration application is rejected.
Step 2: data storage and retrieval for company M
In order to effectively evaluate the credit situation of the company M, the following information is selected as an evaluation index: the enterprise basic information, the enterprise debt paying capacity, the enterprise profit capacity, the enterprise operation capacity, the enterprise growth capacity and the like.
Obtaining evaluation index related information through an information management system of a company M, uploading collected data D to a cloud platform for storage, and comprising the following steps:
(1) The block chain platform performs hash calculation on the collected data D to obtain a hash value H (D), a unique data key is obtained through a key generation algorithm, then an original file is encrypted to obtain E (D), and finally an index is calculated.
(2) And storing the calculated index on the chain, and uploading the encrypted data { E (D), H (D) } embedded with the hash value to the cloud platform.
The data acquisition step comprises:
(1) The bank B requests the data of company M from the blockchain platform, and the blockchain platform firstly acquires encrypted data { E (D), H (D) } from the cloud platform through an index value stored on the chain;
(2) And then decrypting the encrypted data D through the key on the chain, verifying the hash value of the data, and finally returning the data D to the bank B.
And step 3: credit assessment
The company M applies for transaction with the bank B, and the bank B calls the credit calculation intelligent contract to calculate the credit value of the company M, wherein the specific calculation method for calculating the credit value by the credit calculation intelligent contract can adopt any calculation algorithm which is commonly used by banks. Bank B then selects whether to conduct a transaction with company M based on the results.
A system according to an embodiment of the present invention, reference is now made to fig. 3, which illustrates a schematic structural diagram of an electronic device (e.g., the terminal device or the server in fig. 3) 400 suitable for implementing an embodiment of the present invention. The electronic devices in the embodiments of the present invention may include, but are not limited to, mobile terminals such as mobile phones, notebook computers, digital broadcast receivers, PDAs (personal digital assistants), PADs (tablet computers), PMPs (portable multimedia players), in-vehicle terminals (e.g., car navigation terminals), and the like, and fixed terminals such as digital TVs, desktop computers, and the like. The electronic device shown in fig. 3 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 3, electronic device 400 may include a processing device (e.g., central processing unit, graphics processor, etc.) 401 that may perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM) 402 or a program loaded from a storage device 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for the operation of the electronic apparatus 400 are also stored. The processing device 401, the ROM402, and the RAM 403 are connected to each other via a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
Generally, the following devices may be connected to the I/O interface 405: input devices 406 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; an output device 407 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like; storage 408 including, for example, tape, hard disk, etc.; and a communication device 409. The communication means 409 may allow the electronic device 400 to communicate wirelessly or by wire with other devices to exchange data. While fig. 3 illustrates an electronic device 400 having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.
In particular, according to an embodiment of the present invention, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, an embodiment of the invention includes a computer program product comprising a computer program carried on a non-transitory computer readable medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication device 409, or installed from the storage device 408, or installed from the ROM 402. The computer program performs the above-described functions defined in the methods of embodiments of the invention when executed by the processing apparatus 401.
It should be noted that the computer readable medium of the present invention can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present invention, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present invention, a computer readable signal medium may include a propagated data signal with computer readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.
In some embodiments, the clients, servers may communicate using any currently known or future developed network Protocol, such as HTTP (HyperText Transfer Protocol), and may interconnect with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the Internet (e.g., the Internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed network.
The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.
Computer program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).
The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units described in the embodiments of the present invention may be implemented by software or hardware. Where the name of a unit does not in some cases constitute a limitation of the unit itself, for example, the first retrieving unit may also be described as a "unit for retrieving at least two internet protocol addresses".
The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), application Specific Integrated Circuits (ASICs), application Specific Standard Products (ASSPs), systems on a chip (SOCs), complex Programmable Logic Devices (CPLDs), and the like.
In the context of the present invention, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The foregoing description is only exemplary of the preferred embodiments of the invention and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents is encompassed without departing from the spirit of the disclosure. For example, the above features and (but not limited to) features having similar functions disclosed in the present invention are mutually replaced to form the technical solution.
Further, while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the invention. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention. It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (10)
1. A supply chain financial credit evaluation system based on a triple-chain architecture, comprising:
the key management center is used for generating a key for encrypting and decrypting user data, carrying out Hash operation, verifying a signature and carrying out encryption and decryption on the user data, storing the generated key for encrypting and decrypting the user data in the key management center, and configuring a data encryption mode for safety management;
the cloud platform is used for storing original supply chain financial data;
a blockchain platform implemented based on a three-chain model, the three-chain model comprising: an ID chain, a behavior chain, and a credit chain;
an identity controller implemented as a set of node groups distinct from the blockchain platform nodes, a plurality of nodes within the node groups operating simultaneously for creating and managing digital IDs on blockchains, the digital IDs stored on the ID chains.
2. The system of claim 1, wherein the ID chain is configured to store a digital ID for uniquely identifying the identity of the two parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then is stored on the behavior chain through consensus; the credit chain is used to store credit values for the user over the supply chain, and financial transaction records between the user and the bank.
3. The system of claim 2, wherein creating and managing digital IDs on blockchains comprises digital identity management operations including adding new digital identities and deactivating existing digital identities.
4. A method for evaluating supply chain financial credit based on a triple-chain architecture, which is implemented by the system for evaluating supply chain financial credit based on a triple-chain architecture according to any one of claims 1 to 3, and which comprises:
the user registers for application to join the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit evaluation system;
acquiring related data of the supply chain financial credit evaluation index of the user and storing the related data to the cloud platform;
calculating a supply chain financial credit value for the user based on the relevant data.
5. The method as claimed in claim 4, wherein the step of applying for joining the supply chain financial credit evaluation system comprises: financial institutions and small and medium enterprises in the supply chain register and apply for joining a block chain platform of the supply chain financial credit evaluation system.
6. The method according to claim 5, wherein the generating a digital ID for the user joining the system comprises:
the user submits user-related information to the blockchain platform, the user-related information including government issued certificate IDs v And basic information of a company or a bank;
after the identity controller receives the relevant information provided by the user, verifying whether the certificate submitted by the user is valid: if the certificate is valid, informing the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, storing by the user, and calculating D id =hash（ID v Sk), mixing D id The digital ID of the user is sent to the user to complete registration, wherein the hash represents a hash function;
and if the certificate is invalid, rejecting the registration application of the block chain platform of the supply chain financial credit evaluation system.
7. The method according to claim 6, wherein the supply chain financial credit evaluation index comprises: basic information of the user, repayment capacity of the user, profit capacity of the user, operation capacity of the user and growth capacity of the user.
8. The method according to claim 7, wherein the obtaining the data related to the supply chain financial credit evaluation index of the user comprises obtaining the data related to the supply chain financial credit evaluation index of the user through an information management system of the user.
9. The method according to claim 8, wherein the storing the relevant data to the cloud platform comprises:
the block chain platform performs hash calculation on the acquired data related to the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data and storing the calculated index value on the blockchain platform;
and embedding the index value into the hash value and uploading the hash value to the cloud platform.
10. The method of claim 9, wherein the calculating the user's supply chain financial credit value based on the relevant data comprises:
acquiring the related data;
calculating a supply chain financial credit value for the user based on the relevant data;
wherein:
the acquiring the related data comprises:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
decrypting the encrypted data through a key for encrypting and decrypting user data, verifying a hash value of the encrypted data, and finally returning the related data to a requester;
said calculating a supply chain financial credit value for the user based on the relevant data comprises:
configuring a credit calculation intelligent contract on a credit chain, wherein the credit calculation intelligent contract is used for calculating a credit value of the user;
and the bank calls the credit calculation intelligent contract to calculate the credit value of the specified user, and then selects whether to trade with the specified user according to the credit value.
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