Block chain-based KYC compliance supervision method

A blockchain and alliance technology, applied in the computer field, can solve the problems of user loss, unprotected user privacy, bad competition in the banking industry, etc., to improve work efficiency, resolve KYC information islands, and protect legitimate rights and interests.

Pending Publication Date: 2021-05-11
南京区盟链信息科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

In this way, more than 4,000 banks in the country will concentrate all the KYC information of public and private users in the agency bank, resulting in the inability to protect the user privacy of many agency banks, a large loss of users, and unhealthy competition in the banking industry.

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  • Block chain-based KYC compliance supervision method

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Embodiment Construction

[0017] The present invention will be further illustrated below in conjunction with the accompanying drawings and specific embodiments. This embodiment is implemented on the premise of the technical solution of the present invention. It should be understood that these embodiments are only used to illustrate the present invention and are not intended to limit the scope of the present invention.

[0018] Such as figure 1 As shown, the embodiment of the present invention provides a blockchain-based KYC compliance supervision method, including:

[0019] Build an alliance chain between the People's Bank of China, the correspondent bank and the correspondent bank;

[0020] The user enters his KYC information and sends an account opening request when registering a digital currency wallet with the agency bank;

[0021] The agency bank encrypts the KYC information with the public key of the People's Bank of China, and uploads the encrypted information to the alliance chain;

[0022] T...

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Abstract

The invention discloses a KYC compliance supervision method based on a block chain. The method comprises the following steps: constructing an alliance chain among a people bank, an agent bank and an agent bank; inputting KYC information of a user and sending an account opening request when the user registers a digital currency wallet in the agent bank; encrypting the KYC information by using the public key of the people bank by the agent bank, and uploading the encrypted information to the alliance chain; receiving the encrypted information from the alliance link by the people bank, decrypting the encrypted information by adopting a private key of the people bank, and verifying whether the KYC information of the user is legal, if yes, generating a compliant transaction number, and encrypting the KYC information and the compliant transaction number and then uploading to the alliance link; when receiving an account opening request, sending a KYC information query request to the alliance chain by the agent bank; and returning the controllable anonymous KYC information and the compliant transaction number to the agent bank by the alliance chain, so that the agent bank completes account opening operation. According to the invention, the data is available and invisible, and the working efficiency is greatly improved.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a blockchain-based KYC compliance monitoring method. Background technique [0002] KYC is the abbreviation of Know Your Customer, which literally means: know your customers; it refers to obtaining customer-related identification information, including understanding the relationship with customers, knowing the identity of customers, knowing the source of funds, and supervising customer behavior. The KYC process of financial institutions includes not only accurate identification of customer risks, but also whether the financial relationship and behavior with customers meet regulatory requirements (such as anti-money laundering, etc.). Therefore, financial institutions also need to collect public data and private data to conduct a comprehensive review of customers during the KYC process. KYC authentication is actually a real-name authentication mechanism, which is mainly ...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06F21/62G06F21/60G06Q20/36G06Q40/02
CPCG06F21/602G06F21/6254G06Q20/363G06Q20/367G06Q40/02
Inventor 杨珂
Owner 南京区盟链信息科技有限公司
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