Individual credit reporting system establishment method based on block chain technology

Abstract

The invention discloses an individual credit reporting system establishment method based on a block chain technology. Block encapsulation and distributed management are carried out on individual credit data information by utilization of features of the block chain technology, and the defect that a management center is heavy in load and low in efficiency under intensive management of an individual credit reporting system can be removed. Moreover, an RSA asymmetric cryptographic algorithm is applied to a block chain, the system is very difficult to break by traversing all possible keys, the security of the individual credit reporting system is greatly ensured, and illegal tampering of the credit data can be effectively avoided. According to the method, high-security distributed data sharing among multiple credit databases can be realized, establishment of an intensive individual credit management center can be avoided, and the credit reporting cost is reduced. According to a model system structure with the complete block chain, the method has very wide application prospect in the field of individual credit reporting.

Description

technical field [0001] The invention belongs to the technical field of personal credit information system construction, and in particular relates to a method for building a personal credit information system based on block chain technology. Background technique [0002] The credit economy is a major trend of the modern market economy, and a sound credit reporting system must be an important part of the national financial system. With the rapid development of market economy, the negative impact of lack of credit on economic development is difficult to estimate. [0003] The United States has the most complete credit system in the world. As far as our country is concerned, the credit economy is also gradually emerging. At present, all domestic financial institutions have established their own personal credit information databases, but these databases are still small in scale and distributed, with low credit information transparency and no information sharing. A credit syste...

AI Technical Summary

Problems solved by technology

At present, relevant institutions have introduced blockchain technology into the fields of electronic copyright protection and government affairs processing, but its potential in the field of personal credit investigation and credit system construction has not been fully explored. How to use blockchain technology to solve the current personal The defects of highly dispersed, opaque, and fragmented in the field of trust and credit system construction are worthy of full study

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