Multi-party co-construction credit record method based on block chains

A blockchain and credit technology, applied in data processing applications, special data processing applications, instruments, etc., can solve the problems of low cost of cheating, high cost of investigation, unwillingness of small and medium-sized enterprises to issue credit loans, etc., to ensure authenticity, The effect of ensuring authenticity

Active Publication Date: 2016-07-13
SHANGHAI PINGAN NETWORK TECH CO LTD
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Problems solved by technology

[0004] Existing technology and defects: the majority of small and medium-sized enterprises rarely deal with financial institutions, so there is little or no credit information in the central bank, and at the same time, the management of enterprises is not standardized. Institutional inspections of corporate benefits, management levels, and development prospects have set up serious obstacles. Financial institutions are unwilling to issue credit loans to SMEs based on cost and risk contr

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  • Multi-party co-construction credit record method based on block chains
  • Multi-party co-construction credit record method based on block chains

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Embodiment Construction

[0013] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0014] see Figure 1~2 , in the embodiment of the present invention, a blockchain-based multi-party credit record building method, the role of the entire credit system is divided into supporting third parties and data owners, and supporting third parties are responsible for the construction of the basic communication system and technical standards Formulation and implementation, data owners provide credit records.

[0015] The basic structure of credit record...

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Abstract

The present invention discloses a multi-party co-construction credit record method based on block chains. The roles participated in the whole credit system comprises a support third party and a data owner, the support third party is responsible for the building of a communication system and the formulation and the realization of the technology standard, and the data owner provides credit records. The multi-party co-construction credit record method based on block chains is able to completely record information which cannot be changed so as to ensure the authenticity of credit record, is able to complete multi-party construction together through a third party link, wherein the data provider does not need to provide original data in advance, and the data interaction is performed when the data is required, and are able to ensure the authenticity of data providers and the validity of data through digital signature.

Description

technical field [0001] The invention relates to a credit record method, in particular to a block chain-based multi-party credit record method. Background technique [0002] Enterprise credit loan refers to the loan issued on the credit of the borrower. Its characteristic is that the borrower does not need to provide collateral or a third-party guarantee and can obtain a loan only on the basis of his own credit. Due to the relatively high risk of this loan method, it is generally necessary to conduct detailed investigations on the borrower's economic benefits, management level, and development prospects to reduce risks. [0003] Transaction records refer to the transaction information of purchases and sales of enterprises on B2B, B2C and other trading platforms. The trend of its transformation directly reflects the economic benefits, management level, and development prospects of enterprises. [0004] Existing technology and defects: the majority of small and medium-sized e...

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Application Information

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IPC IPC(8): G06Q40/02G06F17/30
CPCG06F16/2291G06Q40/03
Inventor 韩洪慧杨茂江姜磊
Owner SHANGHAI PINGAN NETWORK TECH CO LTD
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