Method and system for implementing credit by using union block chain based on attribute-based encryption

Abstract

The invention discloses a method and system for implementing credit by using a union block chain based on attribute-based encryption, and relates to the technical field of block chains. The method includes: constructing a union chain and a consensus mechanism of a plurality of bank nodes; allowing a central bank node to generate a master private key and a master public key, generating a private key of each bank node according to the master private key and an attribute set respectively assigned to each bank node and distributing the private key to each bank node correspondingly, and broadcasting the master public key; allowing a lending bank node N of the user A to use the master public key and a preset access control structure to encrypte credit information of a user A, recording a ciphertext CT in a block chain on the basis of the consensus mechanism, allowing a bank node M to use the private key thereof to decrypt the ciphertext CT associated with the user A in the block chain when the user A borrows from the bank node M and if the attribute set of the bank node M satisfies the access control structure, and determining whether to loan to the user A according to the decryption result. The method and system can improve the credit evaluation efficiency and ensure the privacy and security of the credit information.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a credit method and system based on an attribute-encrypted alliance block chain. Background technique [0002] The traditional credit evaluation method is to manually review and evaluate the loan request of the borrower by the staff of the financial institution. During the evaluation process, the staff needs to check a large amount of data information of the borrower to judge the risk of the loan transaction. For example, the borrower borrows How much money you can afford, whether you can repay within the loan cycle, etc., the cost and redundant workload of credit evaluation are high, resulting in low credit evaluation efficiency; in addition, because the credit information of borrowers will be recorded on the central server of the financial institution , There is a technical possibility of tampering and loss of credit information, and at the same time, there will be...

AI Technical Summary

Problems solved by technology

[0002] The traditional credit evaluation method is to manually review and evaluate the loan request of the borrower by the staff of the financial institution. During the evaluation process, the staff needs to check a large amount of data information of the borrower to judge the risk of the loan transaction. For example, the borrower borrows How much money you can afford, whether you can repay within the loan cycle, etc., the cost and redundant workload of credit evaluation are high, resulting in low credit evaluation efficiency; in addition, because the credit information of borrowers will be recorded on the central server of the financial institution , there is a technical possibility of tampering and loss of credit information, and at the same time, there will be trust issues in the authenticity and integrity of the data between parties to the transaction, credit rating agencies and platforms, and the privacy and security of credit information cannot be guaranteed.

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