Method for managing dynamic enterprise credit scores by using public block chain

Abstract

The invention mainly discloses a method for managing dynamic enterprise credit scores by using a public block chain, which comprise the steps that firstly users respectively can obtain unique registration codes by registering on the block chain, the credit subject of each user corresponds to a block chain, and the credit block chains adopt a distributed storage mode; each user has a pair of publicand private keys, the first block of each credit block chain is registration information encrypted by the corresponding user by the private key thereof, and each user needs to send a confirmation encrypted and signed by the private key thereof; then information is added to the credit block chain of the user according to the registration code of the user and broadcast to each distributed storage system. The method has the advantages of high security and sharing performance, credit cost reduction, decentralization and the like, and serves enterprises and users so as to achieve objective, accurate and fair credit evaluation.

Description

technical field [0001] The invention relates to the technical field of block chains, in particular to a method for managing dynamic enterprise credit scores using public block chains. Background technique [0002] Blockchain technology originated from Nakamoto S's groundbreaking paper "Bitcoin: A Peer-to-Peer Electronic Cash System" published in 2008. In a narrow sense, a blockchain is a chained data structure that combines data blocks in a sequential manner in chronological order, and is cryptographically guaranteed to be tamper-proof and unforgeable distributed ledgers; in a broad sense In terms of blockchain technology, it uses block chain data structures to verify and store data, uses distributed node consensus algorithms to generate and update data, uses cryptography to ensure the security of data transmission and access, and uses automated script codes to A new distributed infrastructure and computing paradigm that consists of smart contracts to program and manipulate...

AI Technical Summary

Problems solved by technology

[0008] The disadvantages of the credit scoring system in the existing technology are more obvious, mainly based on two aspects, which are divided into micro and macro perspectives. From the macro perspective, the transaction cost of credit evaluation is relatively high. Under the current credit investigation system, the collection of credit information requires a lot of High cost, and at the same time highly monopolized, resulting in high cost of credit evaluation, cross-border transactions due to the issue of geographical jurisdiction, making the cost of cross-border credit higher, will hinder the development of global trade, hinder the development of resources in the global economy Optimized configuration in

[0009] From a micro perspective, the data of the traditional enterprise credit evaluation model is easy to be tampered with, the risk of being hacked is high, the scoring results are often not objective and accurate, the tendency of centralization is obvious, and the data control power is often concentrated in individual audiences, so the credibility of the evaluation data is low

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