A credit management method based on blockchain bookkeeping

Abstract

The invention discloses a credit management method based on blockchain bookkeeping, including: (1) creation of a credit chain network; (2) a credit chain intelligent contract system; (3) a credit chain generation method. The credit management method of the present invention uses smart contracts to manage the credit chain, standardizes the quantification of the credit chain, can realize decentralized storage, obtain complete credit information, and synchronize credit information with low delay.

Description

technical field [0001] The invention belongs to the technical fields of credit investigation and block chain, and in particular relates to a credit management method based on block chain bookkeeping. Background technique [0002] Credit investigation is an activity in which a professional and independent third-party organization establishes credit files for individuals or enterprises, collects and objectively records their credit information according to law, and provides external credit information services according to law. It provides professional credit institutions with A platform for credit information sharing. The functions of the credit investigation platform mainly include credit records, bad debt early warning, anti-money laundering, risk assessment, etc. According to the business model, it can be divided into two types: enterprise credit investigation and personal credit investigation: enterprise credit investigation mainly collects enterprise credit information, ...

AI Technical Summary

Problems solved by technology

The database for storing credit information is centralized in the data center, so it has low reliability and the danger of being attacked. Once attacked, it may be paralyzed and the entire credit platform cannot work; at the same time, the database may be tampered with, which causes unreliable data

[0005] (2) Scattered credit information

Traditional credit databases are often maintained within the industry and are shared between the same industry, but not for non-industry, such as banking units, which leads to incomplete credit information; for example, although members of UnionPay have bank loan information of users, they cannot Query the target's private loan credit record; although the insurance company has its insurance record, it does not have credit card consumption records, etc.

[0006] (3) Large synchronization delay

The update of the traditional credit database is completed by the application submitted by the local node and the approval of the central node. Due to the gap period between the review and the submission, there may be such a situation: the local node has observed the credit of a potential defaulting object The value has changed and the application is submitted, but the credit value in the central node has not been updated, which leads to a large number of malicious credit defaults of the defaulting object in other nodes during the gap period

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