Universal financial system for protecting commercial confidentiality

Abstract

The invention discloses a universal financial system for protecting commercial confidentiality. The universal financial system comprises a user module, a business system module, a plurality of loan institution modules and a joint calculation module, the user module generates a key pair and sends the public key and the user ID to the service system module; the business system module sends the public key and the user ID to the loan institution module; the loan institution module homomorphic encrypts the inquired loan amount of the user to obtain first amount encryption information, and sends thefirst amount encryption information, the user ID and the public key to the joint calculation module; the joint calculation module performs homomorphic encryption on the plurality of parts of first amount encryption information to obtain second amount encryption information and sends the second amount encryption information to the service system module; the business system module sends the secondamount of encrypted information to the user module; and the user module decrypts the second amount encryption information to obtain a total loan amount. According to the universal financial system forprotecting the commercial confidentiality, the total amount of loans of a user in a plurality of loan institutions is inquired through a homomorphic encryption algorithm.

Description

technical field [0001] The invention relates to an inclusive financial system for protecting commercial secrets. Background technique [0002] The current mainstream financial system mostly adopts centralized data hosting and processing methods, which have the following problems: [0003] 1. Most of the data is centralized and hosted on the data provider, which is stored and maintained independently, and cannot be transferred and effectively utilized among each other, forming a data island and unable to tap the value of the data. [0004] 2. In some scenarios that require the cooperation of multiple data providers, a centralized processing method is often used, and the data providers are worried about the leakage of data during the transmission and calculation process, resulting in the inability to effectively cooperate and share . [0005] 3. In the centralized data processing method, there is a data cache problem. The party processing the data will be able to cache more ...

AI Technical Summary

Problems solved by technology

[0003] 1. The data is centralized and hosted on the data provider, stored and maintained independently, and cannot be transferred and effectively utilized among each other, forming a data island and unable to tap the value of the data

[0004] 2. In some scenarios that require the cooperation of multiple data providers, a centralized processing method is often used, and the data providers are worried about the leakage of data during the transmission and calculation process, resulting in the inability to effectively cooperate and share

[0005] 3. Centralized data processing, there is a data cache problem, the party processing the data will be able to cache more and more data, there is a risk of data leakage

[0006] 4. In a centralized way, there are problems of data falsification, opaque supervision and difficulty in obtaining evidence

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