Credit investigation data sharing and trading system

A data sharing and transaction system technology, applied in data processing applications, buying/lease transactions, instruments, etc., can solve problems such as lack of, lack of incentive mechanism, lack of trust mechanism, etc., to reduce the overdue rate, improve business operation efficiency, and perfect The effect of risk control level

Inactive Publication Date: 2017-05-31
树读(上海)信息科技有限公司
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  • Summary
  • Abstract
  • Description
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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 sh...

Method used

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  • Credit investigation data sharing and trading system
  • Credit investigation data sharing and trading system
  • Credit investigation data sharing and trading system

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0053] The technical solutions of the present invention will be described in further detail below with reference to the accompanying drawings and embodiments.

[0054] The bottom layer of the credit reporting data sharing and transaction system of the present invention is formed based on block chain technology. The block chain technology is a technology that uses decentralization and trustless methods to collectively maintain the reliability of a data book. It needs to let Any number of nodes participating 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 Verify the validity of its information and link to the next database block.

[0055] 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 ...

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Abstract

The invention relates to a credit investigation data sharing and trading system. The credit investigation data sharing and trading system comprises at least two P2P network nodes; each of the P2P network nodes comprises a bottom block chain system and a credit data sharing platform which is operated on the bottom block chain system; and each credit data sharing platform comprises a data sharing module, a data querying and trading module and a block chain adaption layer. According to the credit investigation data sharing and trading system, a block chain technology is utilized to construct a credible credit data sharing and trading platform; and by using a special data sharing mechanism, a data query mechanism and a data trading mechanism, credit data owners and credit data demanders can be attracted, so that credit data providers can realize data trading under the condition that the data is protected, and credit data query parties can obtain the credit data to improve the own risk control levels.

Description

technical field [0001] The invention relates to a data sharing and transaction system, in particular to a credit data sharing and transaction system based on block chain technology. 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 individual's repayment willi...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q30/06
CPCG06Q30/0609G06Q40/02
Inventor 王天青李明黄海旻吕明霞王宏彬孟斐夏岩
Owner 树读(上海)信息科技有限公司
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