Method and device for realizing traceless credit inquiry based on blockchain

Abstract

The present application discloses a method, device and medium for realizing traceless credit inquiry based on blockchain, the method comprising: encrypting security parameters by specifying a public key to obtain a security factor, wherein the specified public key is one or more of a plurality of public keys stored in the blockchain; associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information; sending the query request information and the decryption strategy to the credit system, receiving a plurality of encrypted credit information sent by the credit system, and decrypting the plurality of encrypted credit information respectively by the security parameter to obtain the target credit information corresponding to the target customer information. Based on the high security characteristics of blockchain technology, the embodiment of the present invention enables banks to query credit information tracelessly through technical means such as asymmetric encryption technology.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to methods, devices and media for implementing traceless query of credit information based on blockchain. Background Art

[0002] When a company applies for a loan from a bank, the bank will inquire about a customer's credit status from a credit reporting company to decide whether to provide the loan. The bank does not want the credit reporting company to know that the customer came to the bank to apply for a loan because this involves the bank's business secrets and is also to protect the customer's privacy. At the same time, the credit reporting company does not want the bank to obtain the credit data of other customers. Summary of the invention

[0003] The embodiments of this specification provide a method and device for implementing a traceless credit inquiry based on blockchain, which is used to solve the following technical problems in the prior art:

[0004] When enterprises are in the process of applying for loans, their private information is easily leaked because it has to go through multiple systems.

[0005] The embodiments of this specification adopt the following technical solutions:

[0006] A first aspect of an embodiment of the present invention provides a method for implementing a traceless credit inquiry based on blockchain, comprising:

[0007] Encrypting the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain;

[0008] Associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information;

[0009] Sending the query request information and the decryption strategy to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and decrypts the security factor using the private key according to the decryption strategy to obtain a random parameter, and uses the random parameter to encrypt the corresponding credit reporting information;

[0010] Receive multiple encrypted credit information sent by the credit system, and decrypt the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

[0011] In one example, it also includes:

[0012] Obtaining the multiple public keys in the multiple asymmetric key pairs from the blockchain;

[0013] The designated public key is selected from the multiple public keys by a random algorithm.

[0014] In one example, after associating the customer information with the security factor to obtain the query request information, the method further includes:

[0015] The query request information is verified, and the query request information that passes the verification is written into the blockchain.

[0016] A second aspect of an embodiment of the present invention provides a method for implementing a traceless credit inquiry based on blockchain, comprising:

[0017] receiving query request information and decryption strategy;

[0018] Query the credit information corresponding to the customer information through the customer information in the query request information;

[0019] Decrypting the security factor in the query request information using a private key through the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain;

[0020] The credit information is encrypted using the random parameter, and the encrypted credit information is sent to a bank.

[0021] In one example, it also includes:

[0022] The encrypted credit information is sent to the blockchain for verification, and after verification, it is packaged into blocks and written into the blockchain.

[0023] In one example, it also includes:

[0024] Obtain the private key from multiple asymmetric key pairs from the blockchain.

[0025] In one example, decrypting the security factor in the query request information using a private key according to the decryption strategy includes:

[0026] According to the decryption strategy, the security factor corresponding to the target customer information is decrypted by the designated private key to obtain the security parameter.

[0027] In one example, decrypting the security factor in the query request information using a private key according to the decryption strategy includes:

[0028] The security factor corresponding to the non-target customer information is decrypted by other private keys other than the designated private key in the blockchain to obtain the random parameter.

[0029] A third aspect of an embodiment of the present invention provides a device for implementing a traceless credit inquiry based on blockchain, including:

[0030] at least one processor; and,

[0031] a memory communicatively connected to the at least one processor; wherein,

[0032] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0033] Encrypting the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain;

[0034] Associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information;

[0035] Sending the query request information and the decryption strategy to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and decrypts the security factor using the private key according to the decryption strategy to obtain a random parameter, and uses the random parameter to encrypt the corresponding credit reporting information;

[0036] Receive multiple encrypted credit information sent by the credit system, and decrypt the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

[0037] A fourth aspect of an embodiment of the present invention provides a device for implementing a traceless credit inquiry based on blockchain, including:

[0038] at least one processor; and,

[0039] a memory communicatively connected to the at least one processor; wherein,

[0040] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0041] Receive the query request information and decryption strategy sent by the bank;

[0042] Query the credit information corresponding to the customer information through the customer information in the query request information;

[0043] Decrypting the security factor in the query request information using a private key through the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain;

[0044] The credit information is encrypted using the random parameter, and the encrypted credit information is sent to a bank.

[0045] At least one of the above technical solutions adopted in the embodiments of this specification can achieve the following beneficial effects:

[0046] Based on the high security of blockchain technology, through asymmetric encryption technology and other technical means, banks can query credit information without leaving a trace. At the same time, based on the openness and transparency of blockchain technology, banks and credit reporting companies can trust each other and achieve mutual benefit. BRIEF DESCRIPTION OF THE DRAWINGS

[0047] The drawings described herein are used to provide a further understanding of the present application and constitute a part of the present application. The illustrative embodiments of the present application and their descriptions are used to explain the present application and do not constitute an improper limitation on the present application. In the drawings:

[0048] Figure 1 A schematic diagram of a first method flow chart provided by an embodiment of the present invention;

[0049] Figure 2 A schematic diagram of a second method flow chart provided by an embodiment of the present invention;

[0050] Figure 3 A schematic diagram of a first device framework provided by an embodiment of the present invention;

[0051] Figure 4 A schematic diagram of a second device framework provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0052] In order to make the purpose, technical solutions and advantages of this specification more clear, the technical solutions of this application will be clearly and completely described below in combination with the specific embodiments of this specification and the corresponding drawings. Obviously, the described embodiments are only part of the embodiments of this application, not all of them. Based on the embodiments in the specification, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0053] In the embodiment provided by the present invention, banks and credit reporting companies (credit reporting system, hereinafter referred to as credit reporting system) can serve as nodes in the blockchain, or they can exist as accounts in the blockchain system. The embodiment of the present invention does not impose any special restrictions on this.

[0054] Blockchain is a chain data structure that combines data blocks in a sequential manner in chronological order, and is a distributed ledger that is cryptographically guaranteed to be tamper-proof and unforgeable. Although the underlying technology of blockchain has been developed for many years, it has not been effectively applied in specific scenarios.

[0055] The technical solutions provided by various embodiments of the present application are described in detail below in conjunction with the accompanying drawings.

[0056] The embodiments of the present application provide a method and corresponding solution for realizing traceless credit inquiry based on blockchain. Based on the high security characteristics of blockchain technology, through asymmetric encryption technology and other technical means, banks can query credit information tracelessly. At the same time, based on the open and transparent characteristics of blockchain technology, banks and credit reporting companies can trust each other and achieve mutual benefit.

[0057] Figure 1 The first method flow chart provided in the embodiment of the present invention is as follows. The method is applied to a bank, as shown in the figure, and the method includes:

[0058] S101 encrypts the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in a blockchain;

[0059] S102 associates the customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information;

[0060] S103 sends the query request information and the decryption strategy to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and uses the private key to decrypt the security factor according to the decryption strategy to obtain a random parameter, and uses the random parameter to encrypt the corresponding credit reporting information;

[0061] S104 receives multiple encrypted credit information sent by the credit system, and decrypts the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

[0062] According to a specific embodiment of the present invention, a bank or blockchain encrypts security parameters by specifying a public key. The security parameter may be a symmetric key of a fixed length. The number of specified public keys is preferably one. The specific application may be set accordingly according to the agreement between the bank and the credit reporting system.

[0063] According to a specific embodiment of the present invention, when the entity executing encryption is a bank, the bank will first obtain the multiple public keys in the multiple asymmetric key pairs from the blockchain; and then select the designated public key from the multiple public keys through a random algorithm.

[0064] According to a specific embodiment of the present invention, when the subject executing encryption is a blockchain, the target customer information and non-target customer information provided by the bank are identified through the smart contract in the blockchain, and then the designated public key is automatically selected from the multiple public keys according to a random algorithm, and a corresponding decryption strategy is formed.

[0065] According to a specific embodiment of the present invention, a smart contract for managing key pairs and is set on the blockchain. The smart contract is an automated script deployed on the blockchain. Since it is set on the blockchain, it has the characteristics of openness and transparency. Users pre-set rules through smart contracts to write data into the blockchain and obtain data browsing permissions, which largely avoids the disclosure of private information. Of course, smart contracts are not the only implementation method of this application, and are set accordingly according to different blockchain platforms, such as Ethereum, Hyperledger, etc.

[0066] According to a specific embodiment of the present invention, after step S102, the smart contract of the blockchain broadcasts the query request information in the blockchain. After receiving the query request information, each node reaches a consensus and verifies the business content of the query request information. After the verification is passed, the query request information is written into the blockchain.

[0067] Figure 2 A second method flow chart provided in an embodiment of the present invention. The method is applied to a credit reporting system, as shown in the figure, and the method includes:

[0068] S201 receives query request information and decryption strategy;

[0069] S202 searches for the credit information corresponding to the customer information through the customer information in the query request information;

[0070] S203: decrypting the security factor in the query request information using a private key according to the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain;

[0071] S204 uses the random parameter to encrypt the credit information, and sends the encrypted credit information to the bank.

[0072] According to a specific embodiment of the present invention, in step S201, the credit reporting system receives the query request information and decryption strategy sent by the bank or the smart contract of the blockchain.

[0073] According to a specific embodiment of the present invention, when decrypting, the credit reporting system can obtain the private key corresponding to decrypting multiple query request information from the blockchain, or it can make a pre-agreed agreement with the bank to store the public key in the asymmetric key pair in the blockchain or the bank, and the private key in the asymmetric key pair in the credit reporting system, which can be directly called.

[0074] According to a specific embodiment of the present invention, the decryption of the security factor in the query request information using a private key through the decryption strategy includes: decrypting the security factor corresponding to the target customer information through a designated private key according to the decryption strategy to obtain a security parameter; decrypting the security factor corresponding to the non-target customer information through other private keys other than the designated private key in the blockchain to obtain the random parameter.

[0075] Then, the corresponding target credit information is encrypted by the obtained security parameters, and the corresponding non-target credit information is encrypted by the obtained random parameters, and the encrypted credit information is sent to the blockchain for verification, and after the verification is passed, it is packaged into blocks and written into the blockchain, and the encrypted credit information is sent to the bank, so that the bank can decrypt the encrypted credit information obtained once by its own security parameters to obtain the target credit information. It can be understood that the target customer information corresponds to the target credit information, and the non-target customer information corresponds to the non-target credit information.

[0076] The following further describes the embodiments of the present invention in detail in conjunction with specific application scenarios.

[0077] The credit reporting system sends the public keys of N asymmetric key pairs to the bank, and the corresponding N private keys are saved by the credit reporting system. The asymmetric key pairs are generated by the credit reporting system.

[0078] The bank randomly generates a symmetric key K of a fixed length, and randomly selects a public key PK from the N asymmetric keys given by the credit reporting system to encrypt the symmetric key K to obtain the encrypted symmetric key K1.

[0079] The bank simultaneously sends credit inquiry request information for N customers to the credit reporting company, and asks the credit reporting company to use N private keys and the set decryption strategy to decrypt the encrypted symmetric key K1. It can be expected that only the private key corresponding to the public key PK randomly selected by the bank can decrypt the encrypted symmetric key K1 to obtain the original symmetric key K. The other N-1 private keys will get different random numbers when decrypting the encrypted symmetric key K1. The bank does not know the specific random number, and the credit reporting system does not know which of the decrypted K and the N-1 random numbers is the symmetric key K.

[0080] The bank asks the credit reporting system to decrypt the target customer information it really wants to query using the private key corresponding to the randomly selected public key PK, and can decrypt the real K. The credit reporting company then uses this K to encrypt the query results and returns them to the bank; the query results for other customers are encrypted using the N-1 random numbers and returned to the bank.

[0081] In this way, the bank returns the credit information of N customers in one credit inquiry, but the bank can only get the symmetric key K to decrypt the credit inquiry results. The bank does not know the other N-1 random numbers, so although the credit results of the other N-1 customers are obtained, they cannot be decrypted, and in fact only the credit result of one customer can be seen.

[0082] For the credit reporting system, N credit inquiry results are returned to the bank. The credit reporting system does not know which customer's credit status the bank really wants to check, and therefore cannot record the inquiry results.

[0083] Based on the same idea, some embodiments of the present application also provide devices corresponding to the above methods.

[0084] Figure 3 The schematic diagram of the device framework provided in the embodiments of this specification is as follows: Figure 3 As shown, a device for realizing traceless credit inquiry based on blockchain is provided, which is applied to banks, including:

[0085] at least one processor; and,

[0086] a memory communicatively connected to the at least one processor; wherein,

[0087] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0088] Encrypting the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain;

[0089] Associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information;

[0090] Sending the query request information and the decryption strategy to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and decrypts the security factor using the private key according to the decryption strategy to obtain a random parameter, and uses the random parameter to encrypt the corresponding credit reporting information;

[0091] Receive multiple encrypted credit information sent by the credit system, and decrypt the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

[0092] Figure 4 The schematic diagram of the device framework provided in the embodiment of this specification, as shown in the figure, provides a device for realizing traceless credit inquiry based on blockchain, which is applied to the credit investigation system, including:

[0093] at least one processor; and,

[0094] a memory communicatively connected to the at least one processor; wherein,

[0095] The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to:

[0096] receiving query request information and decryption strategy;

[0097] Query the credit information corresponding to the customer information through the customer information in the query request information;

[0098] Decrypting the security factor in the query request information using a private key through the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain;

[0099] The credit information is encrypted using the random parameter, and the encrypted credit information is sent to a bank.

[0100] Each embodiment in this application is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the device and medium embodiments, since they are basically similar to the method embodiments, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiments.

[0101] The device and method provided in the embodiments of the present application correspond one to one, and therefore, the device also has similar beneficial technical effects as its corresponding method. Since the beneficial technical effects of the method have been described in detail above, the beneficial technical effects of the device will not be repeated here.

[0102] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0103] The present invention is a method, device (system), and computer program product according to an embodiment of the present invention.

[0104] The flowcharts and / or block diagrams of the products are described. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as the combination of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0105] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0106] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0107] In a typical configuration, a computing device includes one or more processors (CPU), input / output interfaces, network interfaces, and memory.

[0108] The memory may include non-permanent storage in a computer-readable medium, random access memory (RAM) and / or non-volatile memory in the form of read-only memory (ROM) or flash RAM. The memory is an example of a computer-readable medium.

[0109] Computer readable media include permanent and non-permanent, removable and non-removable media that can be implemented by any method or technology to store information. Information can be computer readable instructions, data structures, program modules or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, compact disk read-only memory (CD-ROM), digital versatile disk (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by a computing device. As defined herein, computer readable media does not include temporary computer readable media (transitory media), such as modulated data signals and carrier waves.

[0110] It should also be noted that the terms "include", "comprises" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, method, commodity or device including a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, method, commodity or device. In the absence of more restrictions, the elements defined by the sentence "comprises a ..." do not exclude the existence of other identical elements in the process, method, commodity or device including the elements.

[0111] The above is only an embodiment of the present application and is not intended to limit the present application. For those skilled in the art, the present application may have various changes and variations. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A method for realizing traceless credit inquiry based on blockchain, characterized in that: include: Encrypting the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain; Associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information; The query request information and the decryption strategy are sent to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and uses the private key to decrypt the security factor according to the decryption strategy, and uses the random parameter and the security parameter to encrypt the corresponding credit reporting information; wherein, decrypting the security factor using the private key according to the decryption strategy includes: decrypting the security factor corresponding to the target customer information by using the designated private key according to the decryption strategy to obtain the security parameter; decrypting the security factor corresponding to the non-target customer information by using other private keys other than the designated private key in the blockchain to obtain the random parameter; Receive multiple encrypted credit information sent by the credit system, and decrypt the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

2. The method according to claim 1, characterized in that Also includes: Obtaining the multiple public keys in the multiple asymmetric key pairs from the blockchain; The designated public key is selected from the multiple public keys by a random algorithm.

3. The method according to claim 1, characterized in that After associating the customer information with the security factor to obtain the query request information, the method further includes: The query request information is verified, and the query request information that passes the verification is written into the blockchain.

4. A method for realizing traceless credit inquiry based on blockchain, characterized in that: include: Receive query request information and a decryption strategy; wherein the process of obtaining the query request information includes: the bank encrypts the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain; associates customer information with the security factor to obtain the query request information, wherein the customer information includes target customer information and non-target customer information; Query the credit information corresponding to the customer information through the customer information in the query request information; Decrypting the security factor in the query request information using a private key through the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain; wherein decrypting the security factor in the query request information using a private key through the decryption strategy includes: decrypting the security factor corresponding to the target customer information through a designated private key according to the decryption strategy to obtain the security parameter; decrypting the security factor corresponding to the non-target customer information through other private keys other than the designated private key in the blockchain to obtain the random parameter; The credit information is encrypted using the random parameter and the security parameter, and the encrypted credit information is sent to a bank.

5. The method according to claim 4, characterized in that Also includes: The encrypted credit information is sent to the blockchain for verification, and after verification, it is packaged into blocks and written into the blockchain.

6. The method according to claim 4, characterized in that Also includes: Obtain the private key from multiple asymmetric key pairs from the blockchain.

7. A device for realizing traceless credit inquiry based on blockchain, characterized in that: include: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to: Encrypting the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of a plurality of public keys stored in the blockchain; Associating customer information with the security factor to obtain query request information, wherein the customer information includes target customer information and non-target customer information; Send the query request information and the decryption strategy to the credit reporting system, so that the credit reporting system queries the credit reporting information corresponding to the customer information through the customer information, and decrypts the security factor using the private key according to the decryption strategy, and encrypts the corresponding credit reporting information using the random parameter and the security parameter; wherein, decrypting the security factor using the private key according to the decryption strategy specifically includes: decrypting the security factor corresponding to the target customer information using the designated private key according to the decryption strategy to obtain the security parameter; decrypting the security factor corresponding to the non-target customer information using other private keys other than the designated private key in the blockchain to obtain the random parameter; Receive multiple encrypted credit information sent by the credit system, and decrypt the multiple encrypted credit information respectively using the security parameters to obtain target credit information corresponding to the target customer information.

8. A device for realizing traceless credit inquiry based on blockchain, characterized in that: include: at least one processor; as well as, a memory communicatively connected to the at least one processor; wherein, The memory stores instructions executable by the at least one processor, the instructions being executed by the at least one processor to enable the at least one processor to: Receive the query request information and decryption strategy sent by the bank; wherein the process of obtaining the query request information includes: the bank end encrypts the security parameter by using a designated public key to obtain a security factor, wherein the designated public key is one or more of the multiple public keys stored in the blockchain; associates the customer information with the security factor to obtain the query request information, wherein the customer information includes target customer information and non-target customer information; Query the credit information corresponding to the customer information through the customer information in the query request information; Decrypting the security factor in the query request information using a private key through the decryption strategy to obtain a random parameter, wherein the private key and its corresponding public key are stored in the blockchain; wherein decrypting the security factor in the query request information using a private key through the decryption strategy includes: decrypting the security factor corresponding to the target customer information through a designated private key according to the decryption strategy to obtain the security parameter; decrypting the security factor corresponding to the non-target customer information through other private keys other than the designated private key in the blockchain to obtain the random parameter; The credit information is encrypted using the random parameter and the security parameter, and the encrypted credit information is sent to a bank.

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