Credit risk control method based on block chain technology

A blockchain and credit technology, applied in the computer field to improve the consensus process, satisfy development habits, and reduce access difficulty

Pending Publication Date: 2021-05-25
SHANGHAI BAOSIGHT SOFTWARE CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Traditional financial institutions regularly report their credit records to the central bank’s credit reference center, and some powerful financial institutions also build their own credit reference systems with the help of big data mining technology, which brings many practical problems

Method used

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  • Credit risk control method based on block chain technology

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Embodiment Construction

[0069] The present invention will be described in detail below in conjunction with specific embodiments. The following examples will help those skilled in the art to further understand the present invention, but do not limit the present invention in any form. It should be noted that those skilled in the art can make several changes and improvements without departing from the concept of the present invention. These all belong to the protection scope of the present invention.

[0070] A credit risk control method based on block chain technology provided by the present invention includes:

[0071] Credit risk control steps based on blockchain technology: Synchronize customer credit information and blacklist information on the blockchain, perform credit ratings on customers, grant credit to customers based on credit ratings, and carry out credit business development based on credit ratings.

[0072] Specifically, the customer credit information and blacklist information on the b...

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Abstract

The invention provides a credit risk control method based on a block chain technology. The method comprises a credit risk control step based on the block chain technology: synchronizing customer credit information and blacklist information on a block chain, carrying out credit rating on a customer, carrying out credit granting on the customer according to the credit rating, and carrying out credit business development according to credit granting. According to the method, the consensus process is improved, and the stability of external service of the block chain system during node failure and main switching is guaranteed. And meanwhile, by reducing unnecessary signature verification, the consensus process is simplified, the communication complexity is reduced, and the consensus efficiency and expansibility are effectively improved.

Description

technical field [0001] The invention relates to a method for writing and issuing smart contracts based on a block chain alliance chain environment, which is suitable for financial institutions and supply chain enterprises, and belongs to the field of computer technology. Background technique [0002] Blockchain is a blockchain is a shared ledger distributed across a business network. Business transactions are permanently recorded in blocks that are only appended to the ledger. All confirmed and attested transactions are linked from the genesis block to the latest block, hence the name blockchain. The blockchain is a historical record of all transactions that have occurred since the start of the blockchain in the network. The block header of each block contains the transaction information of the previous block, thus forming a chain from the genesis block to the current block. Blockchain is used as the single source of truth for this network. [0003] Blockchain networks ca...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q20/40G06F16/27G06F9/451G06F21/64G06F21/62G06F21/60G06F21/57
CPCG06Q20/4037G06F16/278G06F9/454G06F21/64G06F21/6218G06F21/604G06F21/602G06F21/6245G06F21/577G06F2221/034G06Q40/03
Inventor 盛卓星郭岩黄寒昕
Owner SHANGHAI BAOSIGHT SOFTWARE CO LTD
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