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Credit score generation method and device, computer equipment and storage medium

A credit scoring and credit technology, applied in the field of data processing, can solve problems such as leakage of user sensitive data

Active Publication Date: 2019-05-28
JUZIX TECH SHENZHEN CO LTD +1
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present application provides a credit score generation method, device, computer equipment and storage medium to solve the problem of leakage of user sensitive data in the prior art

Method used

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  • Credit score generation method and device, computer equipment and storage medium
  • Credit score generation method and device, computer equipment and storage medium
  • Credit score generation method and device, computer equipment and storage medium

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Embodiment Construction

[0041] The principles and spirit of the present application will be described below with reference to several exemplary embodiments. It should be understood that these embodiments are provided only for those skilled in the art to better understand and implement the present application, but do not limit the scope of the present application in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0042] Those skilled in the art know that the embodiments of the present application can be implemented as a system, apparatus, method or computer program product. Accordingly, the present disclosure may be embodied in the form of complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0043] The embodiment of the present application provides a method for generating a credit ...

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Abstract

The invention provides a credit score generation method and device, computer equipment and a storage medium, and the method comprises the steps that a server generates a public key and a private key through a homomorphic encryption algorithm; The server side obtains the multiple credit scoring coefficients and encrypts the multiple credit scoring coefficients according to the public key to generate a ciphertext of each credit scoring coefficient in the multiple credit scoring coefficients, and sends the public key and the ciphertext of the multiple credit scoring coefficients to the user side;The server side receives the credit scoring ciphertext and the first zero knowledge proof returned by the user side; And under the condition that the first zero knowledge proof satisfies a first preset condition, the server decrypts the credit scoring ciphertext according to the private key to generate a credit score. According to the scheme, the technical problem of user sensitive data leakage in an existing credit score generation method is solved, and the technical effect of effectively protecting the privacy of the user credit data of the user side is achieved.

Description

technical field [0001] The present application relates to the technical field of data processing, and in particular, to a method, apparatus, computer equipment and storage medium for generating a credit score. Background technique [0002] The credit score represents the credit value or credit risk of an individual or group, and has great reference value in trust evaluation. For example, institutions such as enterprises and financial institutions use this credit score to decide whether to provide or grant credit to a certain individual or group. Credit scores are generally determined from several types of information, collectively referred to as "credit data." Credit data can include personal information (such as the value of primary assets), credit information (such as account balances), public record information (such as bankruptcy), and inquiry information (such as applying for a credit report), where each credit data has a value, These values ​​affect the size of the cr...

Claims

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Application Information

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IPC IPC(8): H04L9/32H04L9/30H04L9/00H04L29/06
Inventor 林超何德彪谢翔李升林孙立林
Owner JUZIX TECH SHENZHEN CO LTD
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