Credit management, evaluation and application system based on third-party credit granting

Abstract

The invention discloses a credit management, evaluation and application system based on third-party credit granting, which comprises a system platform, the system platform is used for managing an identity identifier and / or an organization identifier of a responsibility subject, the system platform comprises a three-level dense chain system, and the three-level dense chain system is used for acquiring third-party data of the responsibility subject through a third-party authentication system. And authenticating the third-party data, wherein the third-party data is used for constructing an identity identifier and / or an organization identifier of the responsibility subject. According to the invention, a safe, credible, efficient, cross-institution and cross-domain credit system is constructed by using the non-tampering, advanced encryption mechanism and decentralization characteristic of the three-level secret chain as the safety base, and it is ensured that data can directly penetrate into direct liability subjects of individuals, organizations or institutions through credit authentication provided by a third party of an authoritative institution.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a credit management, evaluation and application system based on third-party credit. Background Art

[0002] Digital signature (electronic signature) is an electronic signature method based on digital signature technology. It combines digital certificates, digital signature technology and traditional visual seals, making electronic documents have the same legal effect and visual effects as traditional paper documents. The application process of digital signature includes identity authentication, digital signature, stamping and other operations, ensuring the security, authenticity and integrity of electronic documents.

[0003] Paper-based office: Complete document confirmation operations through signature, official seal, fingerprint, etc.

[0004] Third-party notarization: The agreed content is notarized by an authoritative organization.

[0005] The above method has the following defects: 1. Insufficient data penetration capabilities: It is difficult with existing methods to penetrate data to the directly responsible party, which may be an individual or an organization. When data cannot be penetrated to the direct object, it is difficult to ensure the authority of the data. The typical practice is that the process is too long and the system is passed the buck.

[0006] 2. Credit failure caused by data inconsistency: Whether it is paper-based office or digital signature technology, it can only ensure credit at the current time point and when two or more parties are present. When leaving the current scene, it is difficult for both parties to ensure the continuation of credit. The typical practice is that the bank is not responsible for the agreement once the transaction is completed.

[0007] 3. The process is complicated and requires additional expenses: All actions that require impartiality, certification or proof mostly rely on third-party agencies. Most of the processes require users to spend time and energy to complete offline, and they need to pay impartiality costs, such as lawyer witnessing or notarization by a notary office.

[0008] The patent application with application number 202410150733.7 discloses a three-level dense chain system, including a server, a user pool and a node, and there are several servers, user pools and nodes; the server is used to organize work, and the communication between servers is hashed and encrypted, and the organization list information is abstracted into account book information, stamped with a timestamp, and stored in the server; the server is also used to call the user pool user and assign the accounting task to the extracted node; the node that obtains the task accounting is used to complete the storage account book task, stamped with a timestamp and hashed, marking that the node belongs to the organization list. It can transfer a large amount of personal node computing power consumed in the original architecture to the server for calculation, saving the computing power of personal node synchronization account books, and can prevent different types of attacks including 51 attacks, thereby ensuring security. Summary of the invention

[0009] In order to solve the above defects, the present invention aims to provide a credit management, evaluation and application system based on third-party credit authorization, using the three-level encrypted chain as the security base of the immutability, advanced encryption mechanism and decentralized characteristics to build a safe, reliable, efficient and cross-institutional and cross-field credit system, through the credit certification provided by the authoritative third party, to ensure that the data can directly penetrate the direct responsible subject of the individual, organization or institution. Through the chain's timestamp, identity authentication, smart contract and other technologies to ensure data consistency, let all behavioral data of both or multiple parties run under the security system of the three-level encrypted chain, to ensure that all behaviors will be recorded, so as to ensure that the credit will not expire after leaving the scene.

[0010] To achieve the above purpose, the technical solution adopted by the present invention is as follows: Credit management, evaluation and application system based on third-party credit, including: A system platform, which is used to manage the identity and / or organizational identification of the responsible entity. The system platform includes a three-level closed chain system, which is used to obtain the third-party data of the responsible entity through a third-party authentication system and authenticate the third-party data. The third-party data is used to construct the identity and / or organizational identification of the responsible entity.

[0011] Preferably, the third-party data includes a credit certificate, and the credit certificate is embodied in a medal system, and the medal credit of the credit certificate is determined according to the credibility of the third-party authentication system.

[0012] Furthermore, the system platform is also used for the construction and execution of smart contracts. All credit certificates are carried by smart contracts and stored in the Dao held by personal information or organizations in the three-level closed chain system.

[0013] Preferably, the third-party data is collected, updated and maintained through smart contracts.

[0014] Preferably, the medal system includes a medal record, and the medal record content includes the recipient, the granting matter, the granting time and the granting type.

[0015] Furthermore, the system platform also includes a credit score system, which is used to evaluate the credit score of the responsible entity, and the calculation factors of the credit score include credit credentials, asset information, and performance rate.

[0016] Furthermore, the responsible party obtains credit credential information and / or medal credit and credit points through a three-level secret chain system.

[0017] Preferably, the third-party authentication system is a third-party authentication system of an authority, and the third-party data is third-party data of an authority.

[0018] Preferably, the third-party authentication system is connected to the system platform in a node communication manner.

[0019] Preferably, the responsible entity is an individual, organization or institution.

[0020] The beneficial effects of the present invention are as follows: 1. The present invention enhances security and credibility: the three-level encrypted chain technology is used to provide a safe and reliable application scenario for two or more parties, ensuring that the source of credit data and the calculation weight are recognized and universal.

[0021] 2. The present invention relies on exogenous data and penetrates the data to the directly responsible party: by collecting third-party data and obtaining external credit authorization, it provides an authoritative credit authentication source for all participants in the system.

[0022] 3. The present invention ensures credit continuity: the credit data management method based on the three-level encrypted chain system and smart contracts ensures that all credit data does not leave the secure environment, thereby ensuring credit continuity. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 It is a system architecture diagram of the present invention.

[0024] Figure 2 The flowchart of the user obtaining the credit certificate in the present invention. DETAILED DESCRIPTION

[0025] In order to make the purpose, technical solutions and advantages of the present invention more clearly understood, the present invention is further described in detail below in conjunction with the accompanying drawings.

[0026] Example 1 This embodiment discloses a credit management, evaluation and application system based on third-party credit, including a system platform, the system platform is used to manage the identity and / or organizational identification of the responsible subject, the system platform includes a three-level chain system, the three-level chain system is used to obtain the third-party data of the responsible subject through a third-party authentication system, and authenticate the third-party data, the third-party data is used to construct the identity and / or organizational identification of the responsible subject. Figure 1 As shown: 1. Credit source for data penetration: The three-level encrypted chain technology used by the system platform can access the authentication system of an external third-party authority through node communication to obtain the third-party credentials of the responsible entity. For example, individual users can obtain personal identity authentication credentials authenticated by a third party through the CTID platform of the Ministry of Public Security, and enterprises can obtain authentication credentials of third-party authenticated organizations through the National Enterprise Credit Formula System.

[0027] 2. Data continuity: All information collected from authority will be included in the personal information in the three-level encrypted chain or the Dao held by the institution. The three-level encrypted chain will automatically update and maintain the data. There is no external interference in the entire process and it cannot be tampered with, ensuring the continuity of credit data.

[0028] 3. Construction of credit score system: This system has established a credit score calculation system, which uses credit credentials, asset information, performance rate, etc. as credit score calculation factors. Since the data can penetrate the authentication data of the authority and the security and data continuity are ensured through the three-level encrypted chain, the credit score has practical value. For example, whether the user's real estate and vehicles are rented or owned, the difference in the calculation of the credit score is huge, and the source of data collection is credible.

[0029] 4. Smart contract execution: All single credit vouchers are embodied in the medal system. The value of medal credit depends on the credit of the third party that grants the medal. The main contents of the medal record include the grantee (institution, organization, community, etc.), granting matter, granting time, granting type (permanent, term), etc. All credit vouchers are carried by smart contracts and stored in the Dao held by the third-level secret chain personal information or organization. At the same time, smart contracts automatically collect, update and maintain third-party data.

[0030] This embodiment proposes an innovative credit notarization solution based on third-party credit. The system is built on Platform 3 and is an extension of the three-level chain technology to solve the problems of credit credibility, data penetration and consistency. It uses badge credentials as a direct expression of credit and credit points as an overall credit assessment.

[0031] This embodiment builds a comprehensive, efficient and secure credit authentication system through the above core elements. The whole process is automated and low-cost. The maintenance, update and recording of all user credit data are automatic. Users do not need to do anything, and the cost is only the cost of occupying the cloud space for user storage files, which is infinitely close to zero cost.

[0032] Example 2 Based on Example 1, this example discloses a method for users to access the system, as follows: Figure 2 As shown: Users obtain credit credential information and / or medal credit and credit points through a three-level secret chain system.

[0033] The present invention relies on the design that the identity card authentication information (CTID) certified by the national authority corresponds to an account, and the account can only be deactivated but not cancelled, ensuring that the data penetrates to independent individuals. All exogenous data collected by individuals, organizations, institutions, etc. are written into the user information or Dao held by the organization or institution, and are permanently stored on the chain as tamper-proof information, realizing the responsibility subject penetration function.

[0034] All credit data related to all users (including individuals or organizations) are included in the security protection of the three-level encrypted chain, ensuring that all user behavior data will be recorded on the chain, all changes can be traced, and all data cannot be tampered with, thus ensuring credit continuity.

[0035] Of course, the present invention may have many other embodiments. Without departing from the spirit and essence of the present invention, technicians familiar with the field may make various corresponding changes and deformations based on the present invention, but these corresponding changes and deformations should all fall within the scope of protection of the claims attached to the present invention.

Claims

1. A credit management, evaluation and application system based on third-party credit, characterized by: include: A system platform, which is used to manage the identity and / or organizational identification of the responsible entity. The system platform includes a three-level closed chain system, which is used to obtain the third-party data of the responsible entity through a third-party authentication system and authenticate the third-party data. The third-party data is used to construct the identity and / or organizational identification of the responsible entity.

2. The credit management, evaluation and application system based on third-party credit according to claim 1 is characterized in that: The third-party data includes a credit certificate, which is embodied in a medal system. The medal credit of the credit certificate is determined according to the credit of the third-party authentication system.

3. The credit management, evaluation and application system based on third-party credit according to claim 2 is characterized in that: The system platform is also used for the construction and execution of smart contracts. All credit certificates are carried out through smart contracts and stored in the Dao held by personal information or organizations in the three-level encrypted chain system.

4. The credit management, evaluation and application system based on third-party credit according to claim 3 is characterized in that: The third-party data is collected, updated and maintained through smart contracts.

5. The credit management, evaluation and application system based on third-party credit according to claim 2 is characterized in that: The medal system includes a medal record, and the medal record content includes a granting object, granting matter, granting time and granting type.

6. The credit management, evaluation and application system based on third-party credit according to any one of claims 2 to 5, characterized in that: The system platform also includes a credit score system, which is used to evaluate the credit score of the responsible entity. The calculation factors of the credit score include credit credentials, asset information, and performance rate.

7. The credit management, evaluation and application system based on third-party credit according to claim 6 is characterized in that: The responsible party obtains credit credential information and / or medal credit and credit points through a three-level secret chain system.

8. The credit management, evaluation and application system based on third-party credit according to claim 1 is characterized in that: The third-party authentication system is a third-party authentication system of an authority, and the third-party data is third-party data of an authority.

9. The credit management, evaluation and application system based on third-party credit according to claim 1 is characterized in that: The third-party authentication system is connected to the system platform in a node communication manner.

10. The credit management, evaluation and application system based on third-party credit according to claim 1 is characterized in that: The responsible entity is an individual, organization or institution.

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