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Block chain-based credit data processing method and device, computer and medium

A data processing and blockchain technology, applied in the blockchain field, can solve problems such as lack of data sharing, formation of data islands, difficulty in privacy protection, etc., and achieve the effects of improving security and credibility, avoiding crashes, and avoiding tampering

Pending Publication Date: 2021-05-28
石化盈科信息技术有限责任公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] 1. There are problems in the credit system that personal credit information is easily leaked and privacy protection is difficult;
[0004] 2. Unreliable and untrustworthy sources of credit data;
[0005] 3. The credit investigation process is cumbersome and complicated, with a long cycle and low efficiency;
[0006] 4. The credit information system and the credit system are not interoperable, and there is a problem of data incompatibility and the formation of data islands; data is not shared, and credit information agencies and users are asymmetrical

Method used

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  • Block chain-based credit data processing method and device, computer and medium
  • Block chain-based credit data processing method and device, computer and medium
  • Block chain-based credit data processing method and device, computer and medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment 1

[0070] The blockchain-based credit data processing method provided by this application can be applied to such as figure 1 shown in the application environment. Wherein, the terminal 102 and the terminal 106 communicate with the server 104 through the network. Wherein, the terminal 102 and the terminal 106 can be, but not limited to, various personal computers, servers, notebook computers, smart phones, tablet computers and portable wearable devices, and the server 104 can be implemented by an independent server or a server cluster composed of multiple servers. accomplish. The first party and the second party can send data to the server 104 through the terminal 102 and the terminal 106 respectively, such as sending a service information data packet, a subscription request, signing information or confirmation information to the server. The server 104 obtains the business information data package associated with the loan request sent by the first party, and uploads the business...

Embodiment 2

[0072] In this example, if figure 2 As shown, a blockchain-based credit data processing method is provided, which includes:

[0073] Step 210, obtain the business information data package associated with the loan request sent by the first party, and upload the business information data package to the blockchain network.

[0074] Specifically, the first party in this embodiment is a financing party, that is, a financing customer. The loan request may also be called a financing request, and the business information data package records business-related document information such as contracts, orders, bills of lading, invoices, and receipts related to the loan request. In this step, each document information is obtained, and each document information includes at least a contract, an order, a bill of lading, an invoice, and a receipt, and based on each document information, the business information data package is generated by packaging. Publish the business information data pac...

Embodiment 3

[0110] In this embodiment, financing customers, funders, financial technology platforms, credit information systems and credit systems are connected to the blockchain network as nodes, and financing customers include buyer companies and seller companies; the credit process includes:

[0111] 1. The financing customer node uploads the contract, order, bill of lading, invoice, receipt and other business-related document information related to the loan application, packs it into a financing customer business document information package, and encrypts and uploads it to the blockchain network. Confirmation of information through blockchain;

[0112] The financing customer initiates a contract application, and associates the business document information package that has been confirmed by both parties;

[0113] The financial technology platform accepts the contract application;

[0114] The funder confirms the signing application;

[0115] The credit system processes contract appl...

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Abstract

The invention provides a blockchain-based credit data processing method and device, a computer and a medium, and the method comprises the steps: obtaining a business information data packet of a first party, and uploading the business information data packet to a blockchain network; generating contract information in response to the signing information of the first party and the second party, and uploading the contract information to the block chain network; obtaining a financing request initiated by a first party; and transferring the financing fund to an account corresponding to the financing request based on the second confirmation information. The business information data packet of the first party is uploaded to the block chain network, the privacy information of the user is protected by using the encryption technology of the block chain, and the contract information signed by the first party and the second party is uploaded to the block chain network, so that the security and credibility of contract information storage are improved, and a decentralized storage mode of the block chain is adopted, so that the business information data packet and the contract information can be stored more quickly, and tampering is effectively avoided.

Description

technical field [0001] The present invention relates to the technical field of block chains, in particular to a block chain-based credit data processing method, device, computer and media. Background technique [0002] With the continuous development of Internet technology, various Internet-based credit systems for Internet users have emerged as the times require. However, these credit systems currently have the following problems: [0003] 1. There are problems in the credit system that personal credit information is easily leaked and privacy protection is difficult; [0004] 2. Unreliable and untrustworthy sources of credit data; [0005] 3. The credit investigation process is cumbersome and complicated, with a long cycle and low efficiency; [0006] 4. The credit information system and the credit system are not interoperable, and there is a problem of data incompatibility and the formation of data islands; data is not shared, and credit information agencies and users a...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q40/04G06F21/60G06F21/64
CPCG06Q40/04G06F21/602G06F21/64G06Q40/03
Inventor 刘勇乔海兵刘悦恺胡迪新魏亮
Owner 石化盈科信息技术有限责任公司
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