Block chain-based credit investigation data sharing and trading system

A data sharing and transaction system technology, applied in data processing applications, sales/lease transactions, payment systems, etc., can solve the problems of lack of incentive mechanism, lack of trust mechanism, etc., to improve business operation efficiency, reduce overdue rate, Improve the effect of risk control level

Inactive Publication Date: 2017-05-10
上海凯岸信息科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

The company's alliance plan lacks a unified standard for data exchange and query, and lacks a series of mechanisms so that various participants can easily share data and query data
And it lacks a data protection mechanism, a technology-based trust mechanism, and an incentive mechanism to attract more people to share data

Method used

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  • Block chain-based credit investigation data sharing and trading system
  • Block chain-based credit investigation data sharing and trading system
  • Block chain-based credit investigation data sharing and trading system

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0061] The technical solutions of the present invention will be described in further detail below with reference to the accompanying drawings and embodiments.

[0062] The bottom layer of the credit reporting data sharing and transaction system of the present invention is formed based on a block chain. The block chain technology is a technology that uses decentralization and trustless methods to collectively maintain the reliability of a data book. It requires participants to Any number of nodes in the system, through a series of data blocks (blocks) generated by using cryptographic methods, each data contains the data of all information exchanges in the system within a certain period of time, and generates data fingerprints for verification Its information is valid and linked to the next database block.

[0063] figure 1 The logical representation of the blockchain is a simple description of the middle section of the blockchain. Each of these blocks has a link to the previo...

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PUM

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Abstract

The invention relates to a block chain-based credit investigation data sharing and trading system. The credit investigation data sharing and trading system comprises at least two P2P network nodes; each network node comprises an underlying block chain system and a credit investigation data sharing platform running in the underlying block chain system; and the credit investigation data sharing platform comprises a data sharing module, a data query trading module, a member management module and a block chain adaption layer. According to the credit investigation data sharing and trading system, a trusted credit investigation data sharing and trading platform is established by using a block chain technology; and special data sharing mechanism, data query mechanism and data trading mechanism are used, so that credit investigation data owners and credit investigation data demanders can be attracted to perform use, credit investigation data providers can perform data trading under the condition that data is protected, and credit investigation data queriers can obtain the credit investigation data to improve risk control levels of themselves.

Description

technical field [0001] The invention relates to a credit investigation data sharing and transaction system, in particular to a blockchain-based credit investigation data sharing and transaction system. Background technique [0002] The credit investigation system dominated by the central bank’s credit investigation cannot meet the operational needs of the financial market. As of 2014, the number of natural person credit files was 857 million minus the number of people with loan records by 350 million, and the central bank’s credit investigation data for 500 million people was blank. Credit information can be roughly divided into the following categories: [0003] The first is identity attributes, which refer to personal identification and authentication information, including name, gender, ID card, age, marriage and family, address, occupation, education level, etc. [0004] The second is the performance ability, which refers to the information used to evaluate the individu...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/16G06Q20/38G06Q30/06
CPCG06Q20/16G06Q20/3829G06Q30/0609
Inventor 王天青李明黄海旻吕明霞王宏彬孟斐夏岩
Owner 上海凯岸信息科技有限公司
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