CN115936844A - Method, system, terminal equipment and storage medium for applying for approval on public accumulation fund combined loan line based on block chain - Google Patents
Method, system, terminal equipment and storage medium for applying for approval on public accumulation fund combined loan line based on block chain Download PDFInfo
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Abstract
The invention provides a method, a system, terminal equipment and a storage medium for applying and approving on a public accumulation fund combined loan line based on a block chain, and relates to the field of computer systems.
Description
Technical Field
The invention relates to the field of computer systems, in particular to a method, a system, terminal equipment and a storage medium for applying and approving on a public accumulation fund combined loan line based on a block chain.
Background
The block chain is essentially a decentralized database, and has become a hot spot for research and discussion of various industries in recent years as an integrated application of technologies such as distributed data storage, point-to-point transmission, consensus mechanism, encryption algorithm, and the like.
Federal learning provides a set of safe and private solutions for establishing an anti-fraud model by cooperation of multiple parties. Depending on federal learning, multi-party data sharing and complementation can be achieved, and therefore machine learning modeling efficiency and model effects under the data sparse scene are greatly improved.
The current application and approval process of the accumulation fund combination loan (accumulation fund loan + bank commercial loan) has the following three defects. Firstly, the applicant needs to go off-line to a bank outlet for handling, which not only relates to the long process of respective approval of a public accumulation fund center and a commercial bank, but also needs to submit numerous application materials and certification documents, and needs to go back and forth to the bank outlet for handling the problem for many times with slight errors. Second, when the combination loan application is approved by the public accumulation fund center and the commercial bank, both parties need to share the applicant's private data to judge the loan qualification, so that the risk of leakage of the applicant's private data exists if the data management is not standardized during the approval process. Thirdly, the approval process of the accumulation fund center and the commercial bank is independently completed, and the wind control models of the two parties cannot be fully integrated, so that the approval efficiency is not high, and the condition of missed inspection of the stir-frying action exists.
Disclosure of Invention
The invention aims to add a block chain technology in the existing combined credit application approval process of a public accumulation fund center so as to realize the safe use of on-line transaction and shared data of combined credit application. The existing public accumulation fund combined credit system is improved, firstly, a data sharing platform between a public accumulation fund center and a commercial bank is built by using a block chain technology, and encryption sharing and storage of private data of an applicant are realized. Secondly, the use of digital signatures ensures that the applicant's private data used in the application process is informed to the owner and is licensed. Then, the block chain non-tamper property is utilized to bind the use records of the applicant authorization document and the personal privacy data, so that the following and legal compliance of the public accumulation fund center and the commercial bank can be ensured when the applicant data is used. Finally, through a method of block chain + federal learning, under the condition of not sharing original data, the effects of the wind control models of both parties are integrated, the loan approval efficiency and the abnormal application detection rate are improved, and based on the method, the system, the terminal equipment and the storage medium for applying approval on the accumulation fund combined loan line based on the block chain are provided.
2. A block chain-based method for applying and approving on a public accumulation fund combined loan line comprises the following steps: client application, commercial loan approval and accumulation fund loan approval;
the process of commercial loan approval and public fund loan approval comprises joint wind control, wherein a public fund loan pre-approval model is established by federal learning, and the specific method comprises the following steps:
the method comprises the steps that firstly, a public accumulation fund center provides an encryption public key and a model aggregation server for a commercial bank A and a commercial bank B, the public accumulation fund center sends the public key to two data providers, the commercial banks extract unique marks of customer samples, the customer samples are encrypted by the public key and then sent to the aggregation server of the public accumulation fund center, a partner encrypts the unique marks of all the samples in local data by the public key and then sends the encrypted marks to the aggregation server of the public accumulation fund center, the aggregation server performs data collision after receiving encrypted data of the partner and feeds back the obtained sample marks of the partner and the public sample marks to the partner;
second, it is assumed that commercial Bank A has labels and feature data sets of n common customers
ω A As model parameters, the intermediate result of the model is taken as omega A x A And (omega) A x A ) 2 Party A transmits the intermediate result and the label value to commercial bank B after homomorphic encryption, and party B has characteristic data set x B And parameter omega B And after homomorphic encryption is also carried out on the intermediate result of the B party, an aggregation result can be obtained:
[[ω T x]]＝[[ω A x A ]]+[[ω B x B ]]
and:
[[(ω T x) 2 ]]＝([[(ω A x A )]]+[[ω B x B ]]) 2
then there is a median of the gradient calculations:
and a loss function:
[ ] ] denotes encrypting the data within the frame,
after the calculation of the B party is completed, the intermediate value of the gradient is calculated
Sending to the A side, and the loss function value [ [ L ]]]And then the information is sent to the aggregation server,
third, party A is obtaining
Then, the A and B sides respectively calculate the local encryption gradient:
party a will encrypt the gradient [ [ g ] locally A ]]Passes to the accumulation fund center, and the B party also encrypts the gradient [ g ] B ]]And the encryption loss function is transmitted to the C party, and the C party transmits the received encryption gradient [ [ g ] A ]]、[[g B ]]After decryption, the data are respectively transmitted back to the A party and the B party,
and fourthly, after the two parties receive the decrypted gradient, the models of the parties can be updated, and model training of the next round is started until the loss function is converged.
Further: the system for applying for approval on the accumulation fund combined loan line based on the block chain specifically comprises an accumulation fund central block chain unit, a commercial bank mobile phone banking unit, a joint wind control model unit, a commercial bank loan approval unit and an accumulation fund central loan approval unit.
Further: the block chain unit of the public accumulation fund central area is used for building a block chain alliance chain platform between a public accumulation fund center and each commercial bank, and is used for realizing data encryption and sharing between each bank and the public accumulation fund center.
Further: the commercial bank mobile phone banking unit aims at adding a combined credit line application program at a mobile phone banking end of a commercial bank, and comprises the following steps: the method comprises the following steps of carrying out identity authentication on an applicant, authorizing the applicant, inputting application information by the applicant, and confirming and submitting the application by the applicant; applicant authorizes signature authentication: after the applicant confirms the authorization book at the mobile banking terminal, the electronic signature is added to the electronic authorization book in a handwritten signature mode, and the electronic signature comprises information such as time, a customer signature track and the like. After the customer signature is completed, the file is sent to a public accumulation fund center and is filed together with a bank background, and the file number is uploaded to a block chain;
and (3) archiving the authorization of the applicant by using a block chain: filing the file number of the applicant authorization book by using the block chain;
the information query of the real estate and the public accumulation fund of the applicant: and the block chain is utilized to archive the use and use time of the personal sensitive information of the applicant so as to ensure that the sensitive information of the applicant is not used as other businesses by the commercial bank.
Further: the commercial bank loan approval unit finishes the approval and the release of partial amount of the loan of the bank merchant in the accumulation fund combined loan, displays the application information submitted by an applicant and the risk prompt fed back by the combined wind control model unit to a bank individual loan specialist, and finishes the step-by-step manual approval by the individual loan specialist.
Further: and the joint wind control model unit adopts a horizontal federal learning algorithm to realize monitoring on suspicious loan applications, many participants such as a public accumulation fund center and a bank encrypt the required characteristics of the model in a homomorphic way according to certificates and secret keys provided by a block chain platform, the encrypted data is sent to a model aggregation server of the public accumulation fund center for model training, and after the model training is finished, a gradient result generated by the model training is distributed to each participating node.
Further: the invention discloses a loan approval unit of a public accumulation fund center, which aims to complete approval and release of the amount of a public accumulation fund loan part in a public accumulation fund combined loan, displays application information submitted by an applicant and risk prompts fed back by a combined wind control model unit to a public accumulation fund special worker, completes manual approval step by the public accumulation fund special worker, and finally completes the release of the public accumulation fund loan after summarizing bank lending results.
Further: the terminal device may include: the device comprises a processor, a storage medium and a bus, wherein the storage medium stores machine readable instructions executable by the processor, when the terminal device runs, the processor and the storage medium are communicated through the bus, and the processor executes the machine readable instructions to execute the steps of the deep learning model training method in the embodiment.
Further: a storage medium storing a computer program which, when executed by a processor, performs the steps of the method described above.
The invention has the beneficial effects that: compared with the traditional combined credit application approval system for the accumulation fund, the invention greatly improves the user experience of the applicant, improves the combined credit approval efficiency and the abnormal detection rate, ensures the safety and privacy of data sharing between the accumulation fund center and a commercial bank through the blockchain technology, and effectively avoids client complaints and even legal disputes caused by illegal use of applicant data by using the privacy data in compliance and using the deposit certificate of the applicant.
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 will be briefly described below, it should be understood that the following drawings only illustrate some embodiments of the present invention and therefore should not be considered as limiting the scope, and for those skilled in the art, other related drawings can be obtained according to the drawings without inventive efforts.
FIG. 1 shows a schematic flow diagram of the method of the present invention;
FIG. 2 shows a schematic diagram of the composition of the apparatus of the present invention;
FIG. 3 is a schematic diagram showing the composition of the terminal device of the present invention;
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it should be understood that the drawings in the present invention are only for the purpose of illustration and description and are not intended to limit the scope of the present invention. Further, it should be understood that the schematic drawings are not drawn to scale. The flowcharts used in this disclosure illustrate operations implemented according to some embodiments of the present invention. It should be understood that the operations of the flow diagrams may be performed out of order, and steps without logical context may be performed in reverse order or simultaneously. One skilled in the art, under the direction of this summary, may add one or more other operations to, or remove one or more operations from, the flowchart.
In addition, the described embodiments of the present invention are only some embodiments of the present invention, and not all embodiments of the present invention. The components of embodiments of the present invention generally described and illustrated in the figures herein may be arranged and designed in a wide variety of different configurations. Thus, the following detailed description of the embodiments of the present invention, presented in the figures, is not intended to limit the scope of the invention, as claimed, but is merely representative of selected embodiments of the invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments of the present invention without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that the term "comprising" is used in the embodiments of the present invention to indicate the presence of the features stated hereinafter, but does not exclude the addition of further features. It should also be noted that: like reference numbers and letters refer to like items in the following figures, and thus, once an item is defined in one figure, it need not be further defined and explained in subsequent figures. In the description of the present invention, it should also be noted that the terms "first", "second", "third", and the like are used for distinguishing the description, and are not intended to indicate or imply relative importance.
The system for applying for approval on the combined loan line of the public accumulation fund based on the block chain specifically comprises a public accumulation fund central block chain unit, a commercial bank mobile phone banking unit, a combined wind control model unit, a commercial bank loan approval unit and a public accumulation fund center loan approval unit;
(1) the block chain unit in the public accumulation fund center aims to establish a block chain alliance chain platform between a public accumulation fund center and each commercial bank so as to realize data encryption and sharing between each bank and the public accumulation fund center. The alliance chain establishes a node for each bank and a public accumulation fund center, the node of each bank and the node of the public accumulation fund center are respectively added into independent channels, chain data of both the banks and the public accumulation fund center are encrypted by certificates of the nodes, and it is guaranteed that a single bank and the public accumulation fund center can share data but not share data among the banks.
The physical deployment mode of the block chain unit of the public accumulation fund central area is that three servers are respectively configured in a public accumulation fund center, a property center and a commercial bank to serve as the nodes of the block chain, the node servers of the property center and the commercial bank are respectively communicated with the node server of the public accumulation fund center by using a special line, and the node servers between the property center and the bank and between the bank are not communicated. After the server is built, the block chain management end service is used, independent block chain channels are respectively established for the house center, the banks and the public accumulation fund center, and data between the house center and the banks can be encrypted and exchanged with the public accumulation fund center and cannot be exchanged mutually.
(2) The commercial bank mobile phone banking unit aims at adding a combined credit line application program at a mobile phone banking end of a commercial bank, and comprises the following steps:
the identity authentication of the applicant is carried out, and the user login and face recognition functions carried by a mobile phone bank are used for confirming that the current user is the applicant;
the applicant authorizes, after the applicant completes the identity authentication, the mobile banking unit can show an authorization book to prompt whether the applicant authorizes the public accumulation fund center and the commercial bank to use personal information related to marital, credit, occupation, income and the like in the later application process, if the applicant agrees, the unit confirms the authorization by using a handwritten signature, combines the handwritten signature and the authorization book for electronic signature and then sends the electronic signature to the public accumulation fund center, and meanwhile, the authorization process and the authorized file name of the electronic signature are linked to the block chain unit;
the applicant inputs application information, and the applicant can start to input personal application information after completing authorization, such as currently held house property information, loan amount, loan term, marital information, personal credit and the like, wherein the personal house property information, the marital information, the personal credit and the like are inquired and obtained by a public deposit center and a commercial bank through a house property office, a civil bureau and a credit investigation system, and an inquiry unit needs to bind the record data (inquiry time, inquiry content and the like) of each inquiry operation and the electronic signature authorization file name uploaded by the applicant and then upload the bound record data to a block chain unit, and then completes data chain link after confirmation of another node in a channel, so that the operation of inquiring the personal information of the applicant each time is completed under the authorization of a client;
the applicant confirms the submitted application, the applicant automatically generates an application form after completing the application information filling, the applicant needs to confirm the handwritten signature, the application form and the handwritten signature are integrated into a final application form and then electronically signed, the final electronic signature application form is submitted to a public accumulation fund center and a bank for filing, the file name is linked to a block chain unit, and the application is completed.
(3) The combined wind control model unit and the public accumulation fund center are combined with each commercial bank to construct a combined wind control model by using a block chain and a federal learning technology, so that the risk identification capability of behaviors such as stir-frying houses, cheating and lending is enhanced, and the loan approval efficiency can be improved. The joint wind control model unit adopts a horizontal federal learning algorithm to monitor suspicious loan applications, many participants such as a public deposit center and a bank encrypt the required characteristics of the model in a homomorphic way according to certificates and keys provided by a block chain platform, the encrypted data is sent to a model aggregation server of the public deposit center for model training, after the model training is finished, the gradient result generated by the model training is distributed to each participating node, and each participating node optimizes the effect of the local model by using the received gradient result.
(4) The commercial bank loan approval unit aims to complete approval and release of partial amount of loan of a bank merchant in the combined loan of the accumulation fund, application information submitted by an applicant and risk prompts fed back by the combined wind control model unit are displayed to a bank loan specialist, and the loan specialist completes manual approval step by step.
(5) The invention discloses a loan approval unit of a public accumulation fund center, which aims to complete approval and release of the amount of a public accumulation fund loan part in a public accumulation fund combined loan, displays application information submitted by an applicant and risk prompts fed back by a combined wind control model unit to a public accumulation fund special worker, completes manual approval step by the public accumulation fund special worker, and finally completes the release of the public accumulation fund loan after summarizing bank lending results.
The method for applying on the combined loan line of the accumulation fund center comprises the following steps:
step one, an applicant downloads a mobile phone bank APP of a cooperative commercial bank;
step two, the applicant logs in a mobile phone bank APP to enter a combined loan application page of the accumulation fund center;
step three, the applicant submits photos of the front side and the back side of the identity card, and the photos are submitted to a bank image server for storage;
step four, the applicant carries out face recognition verification, and the face recognition is connected with a public security bureau system to confirm that the operation of the applicant is carried out by the applicant;
step five, after the identity authentication of the applicant is finished, the system displays a personal information use information authorization book;
and step six, after the applicant reads the personal information use information authorization book, clicking to agree with authorization, and signing by using a handwritten electronic signature named as the personal information use information authorization book. The authorization book signed by the applicant is submitted to the public accumulation fund center server by the bank system for filing, and the public accumulation fund center server returns a unique document ID. The bank system links the authorization file ID and the customer identity information to a block chain link point server of a bank terminal together for deposit certificate, and the block chain platform synchronizes the data to a block node of a public accumulation fund center, and then the data can be executed if the data is modified by both sides;
step seven, the applicant selects a single application or a common applicant, and if the single application is selected, the step ten is directly skipped;
step eight, if the applicant selects a common applicant, a two-dimensional code is generated at the APP terminal of the mobile phone bank, the applicant stores the two-dimensional code and shares the two-dimensional code with the common applicant, and the common applicant can open the APP public accumulation fund combination loan application page of the mobile phone bank after scanning the two-dimensional code through WeChat;
step nine, after the common applicant logs in the accumulation fund combined loan application page, identity authentication and personal information use authorization are carried out according to the step three, the step four, the step five and the step six, and after the identity authentication and the personal information use authorization are finished, the common applicant is informed to continue to carry out the next operation;
and step ten, inquiring the loanable real estate information which is recorded by the applicant in the real estate center from the public accumulation fund center by the APP of the mobile phone bank, and displaying the loanable real estate information back to the applicant, wherein the applicant selects the house applied at this time and then enters the next step. The customer information and the query data related to the query operation are linked to a block chain link point server of a bank end for deposit evidence, and meanwhile, the block chain platform synchronizes the data to a block node of a public accumulation fund center;
step eleven, the mobile phone bank APP obtains the applicant's public accumulation fund payment information and the loan qualification examination result from the public accumulation fund center, and the applicant enters the next step after confirming. The customer information and the query data related to the query operation are linked to a block chain link point server of a bank end for deposit evidence, and meanwhile, the block chain platform synchronizes the data to a block node of a public accumulation fund center;
step twelve, the mobile phone bank APP obtains the applicant's trial-calculation amount of the accumulation fund loan and the term from the accumulation fund center and returns the trial-calculation amount of the accumulation fund loan to the applicant, and the applicant enters the next step after filling the application amount (which is smaller than the trial-calculation amount and the term). The customer information and the query data related to the query operation are linked to a block chain link point server of a bank end for deposit evidence, and meanwhile, the block chain platform synchronizes the data to a block chain link point of a public accumulation fund center;
and step thirteen, filling out the application information of the accumulation fund combined loan (if the applicant is a common applicant, filling in the application information together) comprising personal basic information, marital conditions, academic records, professional information, addresses, contact ways and the like, generating a loan electronic application form by the mobile banking APP after filling out, displaying the loan electronic application form to the applicant, and using a handwritten electronic signature at the mobile banking APP end to add a signature for confirmation after the applicant confirms that the loan electronic application form is correct. If the co-applicant exists, the electronic application form is pushed to a mobile phone bank APP of the co-applicant, and the co-applicant checks the content of the electronic application form and uses the handwritten electronic signature as the electronic application form signature adding confirmation. After the signature of the applicant (co-applicant) is confirmed, generating an electronic application form after signature adding and pushing the electronic application form to a background management end of the bank public accumulation fund combined loan application system;
and step fourteen, after the back management end of the bank public deposit fund combined loan application system receives the loan application information, the individual loan manager performs primary examination and recheck on the application information, and transfers the application information into the public deposit fund loan application system of the public deposit fund party and the commercial loan application system of the bank end after confirming that the application information is correct. When applying for submitting a public accumulation fund loan application system, the electronic application form file signed by a client is pushed to a public accumulation fund center server, the public accumulation fund center server returns a unique file ID, the bank system links the file ID with data such as client application information and application time to a block chain link point server of a bank end for evidence storage, and the block chain platform synchronizes the data to a block chain node of a public accumulation fund center.
And then, the client application process is ended, and the process is transferred into a commercial loan approval and accumulation fund loan approval process.
The method for establishing the accumulation fund loan pre-review model in federal learning comprises the following steps:
first, the public accumulation fund center provides the encrypted public key and the model aggregation server for the commercial bank A and the commercial bank B. The public accumulation fund center sends public keys to two data providers, and the commercial bank extracts unique marks (mobile phone numbers reserved for opening accounts) of customer samples, encrypts the unique marks by using the public keys and sends the encrypted marks to an aggregation server of the public accumulation fund center. And the cooperative party encrypts the unique marks of all samples in the local data by using the public key and then sends the encrypted unique marks to the public accumulation fund central aggregation server. And the aggregation server performs data collision after receiving the encrypted data of the two parties, and feeds back the common sample identification of the two parties obtained by collision to the two parties. Through the steps, the two parties not only obtain shared clients, but also keep the data in a visible and unavailable state for non-shared clients, and the privacy of the two parties is fully ensured.
Second, it is assumed that commercial Bank A has labels and feature data sets of n common customers
ω A As model parameters, the intermediate result of the model is taken as omega A x A And (ω) A x A ) 2 . Party A transmits the intermediate result and the label value to commercial bank B after homomorphic encryption, and party B has feature data set x B And parameter omega B And after homomorphic encryption is also carried out on the intermediate result of the B party, an aggregation result can be obtained:
[[ω T x]]＝[[ω A x A ]]+[[ω B x B ]]
and:
[[(ω T x) 2 ]]＝([[(ω A x A )]]+[[ω B x B ]]) 2
then there is a median of the gradient calculations:
and a loss function:
[ ] ] denotes encrypting the data within the frame.
After the calculation of the B party is completed, the intermediate value of the gradient is calculated
Sending to the A-party and the loss function value [ [ L ]]]And sending the information to the aggregation server.
Third, party A is obtaining
Then, the A and B sides respectively calculate the local encryption gradient:
party a will encrypt the gradient [ [ g ] locally A ]]Passes to the accumulation fund center, and the B party also encrypts the gradient [ g ] B ]]And the encryption loss function is transmitted to the party C. The encryption gradient [ g ] that party C will receive A ]]、[[g B ]]After decryption, the data is transmitted back to the A party and the B party respectively.
And fourthly, after receiving the decrypted gradient, the two parties can update the model of the local and start the next round of model training until the loss function is converged.
As shown in fig. 3, the terminal device 6 may include: a processor 601, a storage medium 602 and a bus 603, wherein the storage medium 602 stores machine-readable instructions executable by the processor 601, when the terminal device runs, the processor 601 and the storage medium 602 communicate with each other through the bus 603, and the processor 601 executes the machine-readable instructions to execute the steps of the deep learning model training method as described in the foregoing embodiments. The specific implementation manner and the technical effect are similar, and are not described herein again.
For ease of illustration, only one processor is depicted in the terminal device described above. However, it should be noted that in some embodiments, the terminal device in the present invention may further include multiple processors, and thus, the steps performed by one processor described in the present invention may also be performed by multiple processors in combination or individually.
The above description is only for the specific embodiments of the present invention, but the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive of the changes or substitutions within the technical scope of the present invention, and the present invention shall be covered thereby. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (9)
1. A method for applying for approval on a public accumulation fund combined loan line based on a block chain is characterized by comprising the following steps: client application, commercial loan approval and public deposit loan approval;
the process of commercial loan approval and public fund loan approval comprises joint wind control, wherein a public fund loan pre-approval model is established by federal learning, and the specific method comprises the following steps:
the method comprises the steps that firstly, an accumulation fund center provides an encrypted public key and a model aggregation server for a commercial bank A and a commercial bank B, the accumulation fund center sends the public key to two data providers, the commercial banks extract unique marks of client samples, the client samples are encrypted by the public key and then sent to the aggregation server of the accumulation fund center, a partner encrypts the unique marks of all the samples in local data by the public key and then sends the encrypted marks to the aggregation server of the accumulation fund center, the aggregation server performs data collision after receiving encrypted data of the partner and the partner, and feeds back the sample marks shared by the partner and the aggregation server after the collision is obtained;
second, it is assumed that commercial Bank A has labels and feature data sets of n common customers
ω A As model parameters, the intermediate result of the model is taken as omega A x A And (omega) A x A ) 2 Party A transmits the intermediate result and the label value to commercial bank B after homomorphic encryption, and party B has feature data set x B And parameter omega B And after homomorphic encryption is also carried out on the intermediate result of the B party, an aggregation result can be obtained:
[[ω T x]]＝[[ω A x A ]]+[[ω B x B ]]
and:
[[(ω T x) 2 ]]＝([[(ω A x A )]]+[[ω B x B ]]) 2
then there is the median of the gradient calculations:
and a loss function:
[ ] ] denotes encrypting the data within the frame,
after the calculation of the B party is completed, the intermediate value of the gradient is calculated
Sending to the A-party and the loss function value [ [ L ]]]And then the information is sent to the aggregation server,
third, party A is obtaining
Then, the A and B sides respectively calculate the local encryption gradient:
party A will encrypt the gradient [ [ g ] locally A ]]The local encryption gradient is transmitted to the public accumulation fund center, and the B party also encrypts the local encryption gradient [ g ] B ]]And the encryption loss function is transmitted to the C party, and the C party transmits the received encryption gradient [ [ g ] A ]]、[[g B ]]After decryption, the data are respectively transmitted back to the A party and the B party,
and fourthly, after receiving the decrypted gradient, the two parties can update the model of the local and start the next round of model training until the loss function is converged.
2. A system for applying for approval on a public accumulation fund combined loan line based on a block chain is characterized by specifically comprising a public accumulation fund central block chain unit, a commercial bank mobile phone banking unit, a combined wind control model unit, a commercial bank loan approval unit and a public accumulation fund center loan approval unit.
3. The system of claim 2, wherein the public accumulation fund central area block chain unit is used for building a block chain alliance chain platform between the public accumulation fund center and each commercial bank so as to realize data encryption and sharing between each bank and the public accumulation fund center.
4. The system of claim 2, wherein the commercial bank mobile banking unit, the purpose of which is to add a combined credit line application program at the mobile banking end of the commercial bank, comprises: the method comprises the following steps of identity authentication of an applicant, authorization of the applicant, input of application information by the applicant, and confirmation of the applicant for submission;
also includes applicant authorization signature authentication: after the applicant confirms the authorization book at the mobile phone bank end, the electronic signature is added to the electronic authorization book in a handwriting signature mode, the electronic signature comprises information such as time, a client signature track and the like, after the client signature is finished, the file is sent to a public accumulation fund center and a bank background to be filed together, and the file number is uploaded to a block chain;
and (3) archiving the authorization of the applicant by using a block chain: filing the file number of the applicant authorization book by using the block chain;
the information query of the real estate and the public accumulation fund of the applicant: and archiving the use and use time of the personal sensitive information of the applicant by utilizing the block chain.
5. The system as claimed in claim 2, characterized in that the commercial bank loan approval unit is used for completing approval and release of part of the amount of the loan of the bank in the combined loan of the public deposit, and the approval is completed step by displaying the application information submitted by the applicant and the risk prompt fed back by the combined wind control model unit to the individual loan officer of the bank.
6. The system according to claim 2, wherein the monitoring of the suspicious loan application is realized by adopting a horizontal federal learning algorithm in combination with the wind control model unit, many participants such as a public accumulation fund center and a bank perform homomorphic encryption on the characteristics required by the model according to certificates and keys provided by a blockchain platform, the encrypted data is sent to a model aggregation server of the public accumulation fund center for model training, and after the model training is completed, a gradient result generated by the model training is distributed to each participating node.
7. The system as claimed in claim 2, wherein the public accumulation fund center loan approval unit is used for approving and issuing the amount of the part of the public accumulation fund loan in the public accumulation fund combined loan, displaying the application information submitted by the applicant and the risk prompt fed back by the combined pneumatic control model unit to a public accumulation fund special member, completing the manual approval step by the public accumulation fund special member, and finally completing the loan payment of the public accumulation fund after summarizing the loan result of the bank trader.
8. A terminal device, comprising: a processor, a storage medium and a bus, the storage medium storing machine-readable instructions executable by the processor, the processor and the storage medium communicating over the bus when the terminal device is operating, the processor executing the machine-readable instructions to perform the steps of the method of claim 1 when executed.
9. A storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the steps of the method as claimed in claim 1.
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| CN202211548590.2A CN115936844A (en) | 2022-12-05 | 2022-12-05 | Method, system, terminal equipment and storage medium for applying for approval on public accumulation fund combined loan line based on block chain |
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| CN116934257A (en) * | 2023-07-20 | 2023-10-24 | 上海朗晖慧科技术有限公司 | Application flow data management system and method based on blockchain |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116934257A (en) * | 2023-07-20 | 2023-10-24 | 上海朗晖慧科技术有限公司 | Application flow data management system and method based on blockchain |
| CN116934257B (en) * | 2023-07-20 | 2024-06-04 | 上海朗晖慧科技术有限公司 | Application flow data management system and method based on blockchain |
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