Credit investigation data query method and credit investigation data query system

Abstract

The invention discloses a credit investigation data query method. The credit investigation data query method comprises the following steps: obtaining a credit investigation query authorization request initiated by a target user; using the credit investigation query authorization request, generating and storing authorization certificates in one-to-one correspondence with each credit investigation system respectively, and obtaining a corresponding authorization certificate set; if a credit investigation data query request for the target user is detected, sending the authorization certificate set to a block chain server; obtaining the credit investigation data corresponding to each authorization certificate in the authorization certificate set in the block chain server, and obtaining a corresponding credit investigation data block, wherein the credit investigation data corresponding to each authorization certificate come from a credit investigation system corresponding to the authorization certificate respectively. The query efficiency of the credit investigation data is improved. Moreover, the invention also discloses a credit investigation data query system.

Description

technical field [0001] The present invention relates to the technical field of credit investigation, in particular to a credit investigation data inquiry method and system. Background technique [0002] At present, when a bank conducts credit business, it needs to inquire about the user's credit data and evaluate the user's loan credit and qualification. According to the requirements of the People's Bank of China, the bank can only inquire about the credit data if the user is required to authorize the credit investigation. [0003] According to the current actual situation, when a bank inquires about an individual's credit data, the individual authorizes the credit inquiry by providing an electronic document such as a scanned copy of the authorization document, and the bank inquires about the credit data of the enterprise , the enterprise conducts credit inquiry authorization in the form of paper authorization. [0004] It can be seen from the above that in the current aut...

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Problems solved by technology

[0004] It can be seen from the above that in the current authorization method, the traditional written agreement is still adopted, which leads to the need to spend a lot of labor and time in saving, sorting out and confirming the authorization documents, making the query of credit data very inefficient

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