A cross-institutional credit management method and system based on blockchain

Abstract

The present invention discloses a cross-institutional credit management method and system based on blockchain, and relates to the field of blockchain technology. A specific implementation of the method includes: the institution sends a personal information authorization authentication request to the platform in response to the query operation of the customer information in other institutions; receives and displays the personal authorization authentication identification code returned by the platform, so that the customer scans the personal authorization authentication identification code through the mobile terminal to perform the personal information authorization authentication operation; after receiving the authorization authentication pass information returned by the platform, sends a query request for the customer's authorization information in other institutions to the platform, so as to receive the customer's authorization information in other institutions pulled from the blockchain by the platform. This implementation method can realize the authorized use during the cross-institutional data sharing period, and ensure that the data is anti-precipitation and traceable.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a cross-institutional credit management method and system based on blockchain. Background Art

[0002] In order to plan to expand the functions of mobile terminals (WeChat, Alipay mini-programs), a unified national housing provident fund service portal will be provided, and nationwide housing provident fund business will be available to employees who make contributions, striving to achieve non-differentiated services across the country; by improving data sharing capabilities, a shared data use authorization and evidence storage mechanism will be established, thereby reducing the number of documents required for handling affairs and improving business processing efficiency.

[0003] The existing technology is implemented as follows: TCP connection is used between platforms, OpenSSL protocol is used for communication security, XML message format is used for transaction interface messages, and data transmission is realized between platforms through interface intercommunication. However, in the process of implementing the present invention, the inventors found that there are at least the following problems in the existing technology:

[0004] A customer's provident fund data, database data, civil affairs data, etc. are all personal privacy. Only when the customer authorizes an institution to have query authority can the institution make the query. Therefore, there is a problem of credit authorization for customer and institution information authority when cross-institutional queries are made for customer information. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides a cross-institutional credit management method and system based on blockchain, which can at least solve the problem of customer and institution information authority when querying customer information across institutions in the prior art.

[0006] To achieve the above object, according to one aspect of an embodiment of the present invention, a cross-institutional credit management method based on blockchain is provided, comprising:

[0007] In response to the query operation of customer information in other institutions, the institution sends a personal information authorization and authentication request to the platform;

[0008] Receive the personal authorization authentication identification code returned by the platform and display it, so that the customer can scan the personal authorization authentication identification code through the mobile terminal to perform personal information authorization authentication operation;

[0009] After receiving the authorization authentication information returned by the platform, a request to query the customer's authorization information in other institutions is sent to the platform to receive the customer's authorization information in other institutions pulled by the platform from the blockchain.

[0010] Optionally, the customer scans the personal authorization authentication identification code through a mobile terminal to perform a personal information authorization authentication operation, including:

[0011] The mobile terminal responds to the scanning of the personal authorization authentication identification code, triggering a face recognition process to collect the customer's face information and compare it with the face information of a third party;

[0012] If the comparison result is passed, the personal information authorization authentication is confirmed to be passed and sent to the platform, and the customer information located in other institutions is stored on the blockchain.

[0013] Optionally, it also includes: the platform stores the institution's actions of querying customer information in other institutions and the queried customer authorization information on the blockchain.

[0014] Optionally, it also includes: the platform calls a third party to verify the customer authorization information pulled from the blockchain, and if the verification result is passed, the verification result is stored on the blockchain.

[0015] Optionally, it also includes: the platform converts the format of the customer authorization information, obtains a format file corresponding to the institution and returns it to the institution.

[0016] Optionally, before sending the personal information authorization authentication request to the platform, the process further includes:

[0017] The institution sends a contract signing request to the platform, so that the platform can review the institution contract signing information in the contract signing request by calling the third-party institution information;

[0018] Receive and display the institution signing results returned by the platform; among them, the institution signing information and institution signing results are stored on the blockchain by the platform.

[0019] Optionally, it also includes: in response to a query operation on the contract information of other institutions, the institution sends a query transaction for the contract information of other institutions to the platform to receive information returned by the platform; wherein the returned information is the contract information of other institutions if the other institutions do not exist, or is pulled from the blockchain if the other institutions exist.

[0020] Optionally, it also includes: the platform stores the actions of the institution querying the contract information of other institutions and the queried information on the blockchain.

[0021] Optionally, it also includes: the platform calls a third party to verify the information of other institutions pulled from the blockchain. If the verification result is passed, the verification result is stored on the blockchain.

[0022] Optionally, it also includes: the platform converts the format of the contract information of other institutions, obtains the format file corresponding to the institution and returns it to the institution.

[0023] Optionally, it also includes: the platform converts the format of the signing request according to the preset interface document of the third party, and then sends the converted signing request to the third party to receive and register the signing result returned by the third party.

[0024] Optionally, it also includes: the platform receives a request from the institution to query the client's third-party information, calls the third party to obtain the client's third-party information and returns it to the institution; and

[0025] The institution's actions of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; among them, the request to query the client's third-party information is generated by the institution in response to the query operation on the client's third-party information after the client's authorization.

[0026] Optionally, it also includes: the platform converts the format of the queried third-party information of the customer, obtains a format file corresponding to the institution and returns it to the institution.

[0027] To achieve the above purpose, according to another aspect of an embodiment of the present invention, a cross-institutional credit management system based on blockchain is provided, including an institution, a mobile terminal and a platform:

[0028] Institutions, in response to the query operation of customer information in other institutions, send a personal information authorization authentication request to the platform; receive and display the personal authorization authentication identification code returned by the platform; after receiving the authorization authentication passed information returned by the platform, send a query request for the customer's authorization information in other institutions to the platform to receive the customer's authorization information in other institutions pulled from the blockchain by the platform;

[0029] The platform is used to generate a personal authorization authentication identification code and return it to the institution after receiving a personal information authorization authentication request from the institution; send the personal information authorization authentication information sent by the mobile terminal to the institution; and pull the customer's authorization information in other institutions from the blockchain and return it to the institution after receiving a request from the institution to query the customer's authorization information in other institutions;

[0030] The mobile terminal is used to scan the personal authorization authentication identification code to perform personal information authorization authentication operations, and send the personal information authorization authentication pass information to the platform.

[0031] Optionally, the mobile terminal is used to: in response to scanning the personal authorization authentication identification code, trigger a face recognition process to collect the customer's face information and compare it with the face information of a third party;

[0032] If the comparison result is passed, the personal information authorization authentication is confirmed to be passed and sent to the platform, and the customer information located in other institutions is stored on the blockchain.

[0033] Optionally, the platform is used to store the institution's actions of querying customer information in other institutions and the queried customer authorization information on the blockchain.

[0034] Optionally, the platform is also used to: call a third party to verify the customer authorization information pulled from the blockchain, and if the verification result is passed, store the verification result on the blockchain.

[0035] Optionally, the platform is also used to: convert the format of the customer authorization information to obtain a format file corresponding to the institution and return it to the institution.

[0036] Optionally, the organization is further used to: send a contract signing request to the platform, so that the platform can review the organization contract signing information in the contract signing request by calling the organization information of the third party;

[0037] Receive and display the institution signing results returned by the platform; among them, the institution signing information and institution signing results are stored on the blockchain by the platform.

[0038] Optionally, the organization is also used to: in response to a query operation on the contract information of other organizations, send a query transaction for the contract information of other organizations to the platform to receive information returned by the platform; wherein the returned information is the contract information of other organizations if the other organizations do not exist, or is pulled from the blockchain if the other organizations exist.

[0039] Optionally, the platform is also used to store the actions of an institution inquiring about other institutions' contract information and the queried information on the blockchain.

[0040] Optionally, the platform is also used to: call a third party to verify the information of other institutions pulled from the blockchain, and if the verification result is passed, store the verification result on the blockchain.

[0041] Optionally, the platform is also used to: convert the format of contract information of other institutions, obtain a format file corresponding to the institution and return it to the institution.

[0042] Optionally, the platform is also used to: convert the format of the signing request according to the preset interface document of the third party, and then send the converted signing request to the third party to receive and register the signing result returned by the third party.

[0043] Optionally, the platform is further used to: receive a request from an institution to query the third-party information of a client, call a third party to obtain the third-party information of the client and return it to the institution; and

[0044] The institution's actions of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; among them, the request to query the client's third-party information is generated by the institution in response to the query operation on the client's third-party information after the client's authorization.

[0045] Optionally, the platform is also used to: convert the format of the queried third-party information of the customer, obtain a format file corresponding to the institution and return it to the institution.

[0046] To achieve the above objectives, according to another aspect of an embodiment of the present invention, a cross-institutional credit management electronic device based on blockchain is provided.

[0047] The electronic device of an embodiment of the present invention includes: one or more processors; a storage system for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement any of the above-mentioned blockchain-based cross-institutional credit management methods.

[0048] To achieve the above objectives, according to another aspect of an embodiment of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, any of the above-mentioned blockchain-based cross-institutional credit management methods is implemented.

[0049] To achieve the above-mentioned purpose, according to another aspect of an embodiment of the present invention, a computer program product is provided. A computer program product of an embodiment of the present invention includes a computer program, and when the program is executed by a processor, the cross-institutional credit management method based on blockchain provided by an embodiment of the present invention is implemented.

[0050] According to the scheme provided by the present invention, one embodiment of the above invention has the following advantages or beneficial effects: it can effectively ensure the security and reliability of business data and external third-party data during cross-institutional sharing. Customer authorization ensures that their privacy is not leaked, institutional contracts ensure that platform data is not crawled, institutional authority control ensures that the platform is not attacked, and information chain ensures that data is traceable and tamper-proof. Multiple restrictions greatly reduce the risk of data leakage, effectively protect the legitimate rights and interests of customers from infringement, and prevent the query results of data sharing from being illegally used.

[0051] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0053] Figure 1 It is a schematic diagram of the main process of a cross-institutional credit management method based on blockchain according to an embodiment of the present invention;

[0054] Figure 2 It is a specific customer authorization process diagram;

[0055] Figure 3 It is a flowchart of an optional blockchain-based cross-institutional credit management method according to an embodiment of the present invention;

[0056] Figure 4 It is a specific schematic diagram of the agency's contract signing and authorization process;

[0057] Figure 5 is a flowchart of another optional blockchain-based cross-institutional credit management method according to an embodiment of the present invention;

[0058] Figure 6 It is a specific diagram of the external three-party authorization process;

[0059] Figure 7 (a) and (b) are diagrams of a cross-institutional credit management framework based on blockchain according to an embodiment of the present invention;

[0060] Figure 8 It is a schematic diagram of the main modules of a cross-institutional credit management system based on blockchain according to an embodiment of the present invention;

[0061] Fig. 9 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0062] Fig.10 It is a schematic diagram of the structure of a computer system of a mobile device or a server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0063] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0064] From the application perspective, blockchain is simply a distributed shared ledger and database, which has the characteristics of decentralization, immutability, full traceability, traceability, collective maintenance, openness and transparency. These characteristics ensure the "honesty" and "transparency" of blockchain and lay the foundation for blockchain to create trust. The rich application scenarios of blockchain are basically based on the ability of blockchain to solve the problem of information asymmetry and achieve collaborative trust and concerted action among multiple entities.

[0065] Blockchain is essentially a storage technology. If a single database fails or the data is damaged, the data cannot be repaired, resulting in loss. In addition, databases such as Oracle and MySQL are stored in plain text, which poses a security risk. Due to the decentralized nature of blockchain, a complete copy of the data will be set up on each node, and the data will still exist even if one or more nodes go down. In addition, the secure encryption algorithm based on blockchain ensures the security and privacy of the data, and any behavior that modifies the data will be recorded and easily traceable. According to the above description, this solution preferably stores all transaction records on the chain and supports traceability queries for transactions that have occurred.

[0066] It should be noted that the transaction in this solution is a general term, and inquiry, verification, and authorization can all be collectively referred to as transactions, such as inquiry of the number of loans, inquiry of the number of deposits, portrait comparison verification, information sharing authorization, etc. The transaction process refers to the process from the terminal initiating to the terminal receiving the response result.

[0067] See also Figure 1 , which shows a main flow chart of a cross-institutional credit management method based on blockchain provided by an embodiment of the present invention, including the following steps:

[0068] S101: In response to a query operation on customer information of other institutions, the institution sends a personal information authorization authentication request to the platform;

[0069] S102: receiving and displaying the personal authorization authentication identification code returned by the platform, so that the customer can scan the personal authorization authentication identification code through the mobile terminal to perform personal information authorization authentication operation;

[0070] S103: After receiving the authorization authentication information returned by the platform, a request for querying the authorization information of the customer in other institutions is sent to the platform to receive the authorization information of the customer in other institutions pulled by the platform from the blockchain.

[0071] In the above implementation, for steps S101 to S103, the customer information includes different information in different scenarios, such as loan information, deposit information, civil affairs information, marriage information, online house purchase registration, lease contract registration, etc. in provident fund services. Since the customer may have different information registered in different institutions, their information usually contains the institution node number and other identifiers for identifying the institution. In addition, the customer information at each time point may be inconsistent. For example, the customer's provident fund account balance today is 100 yuan, 50 yuan is withdrawn today, and the balance is 50 yuan when inquired tomorrow.

[0072] In some cases, institutions need to query the customer's authorized information across institutions, such as: 1) The customer opens a new provident fund account, but the customer already has a provident fund account and cannot open an account elsewhere, similar to social security. 2) When applying for a loan, if the loan is applied for in one provident fund center, other centers cannot apply for it. 3) When withdrawing provident fund account, the customer's civil affairs information will be queried. 4) For loans in different places, cross-institution query the customer's provident fund payment information.

[0073] See Figure 2 The following is the customer authorization process involved in this embodiment.

[0074] 1. The institution accepts specific business of the customer at the counter or online, but some of the customer's information is stored in other institutions, so cross-institutional inquiries are required, such as account cancellation withdrawal, off-site loan, lease withdrawal and other business scenarios. After accepting the customer's request, the institution counter forwards the customer's personal information authorization and authentication request to the platform.

[0075] 2. After receiving the personal information authorization and authentication request sent by the institution, the platform calls the authentication center to automatically generate a personal authorization and authentication identification code, such as a QR code, and returns the personal authorization and authentication identification code to the institution for display.

[0076] 3. The customer uses a handheld mobile terminal (WeChat, Alipay applet) to scan the personal authorization authentication identification code displayed by the institution for scanning authentication. Scanning the code will trigger the face recognition operation. Specifically, the collected customer face information is compared with the face information in the third-party information database. If the comparison result is passed, the customer's personal information authorization authentication is completed and notified to the platform. After that, the customer's authorized information under other institutions is stored on the chain.

[0077] 4. After receiving the personal information authorization and authentication information sent by the customer’s mobile phone, the platform will inform the institution of the authorization and authentication information.

[0078] 5. After receiving the authorization authentication information returned by the platform, the institution sends a request to the platform to query the client’s authorization information in other institutions.

[0079] 6. The platform obtains the customer's authorized information from other institutions from the blockchain, and calls the authentication center to verify the customer's authorized information. Specifically, the information entered by the customer (name, ID card, facial information) is verified with the information in the third-party information database. If the name and ID card are consistent, and the facial information collected by the platform and the facial information in the information database exceed a certain value, the verification is determined to be successful.

[0080] 7. The platform converts the format of the obtained customer authorization information and obtains the format file corresponding to the institution and returns it to the institution.

[0081] 8. The institution receives the authorization information of the customer in other institutions pulled from the blockchain by the platform.

[0082] 9. The platform stores the institution’s actions of querying customer information in other institutions, the queried customer authorization information, and the verification results on the blockchain.

[0083] It should be noted that if the query is under the same institution, it does not need to go through the shared platform, and you can directly check it yourself. Institution A can query the customer information in institution B through the platform. The customer has authorized institution A to query his or her information in institution B, and the authorization information is verified, otherwise it will prompt that there is no permission. If the verification result is passed, in order to protect customer privacy, the platform needs to convert and process the customer's authorized information in other institutions into a specific XML format (or other predetermined formats), and then return it to the initiating institution to notify the customer of the processing results and the transaction is completed. In addition, the platform stores the institution's actions, query results, and verification results of querying customer authorization information in other institutions on the chain to ensure traceability and auditability.

[0084] In the method provided in the above embodiment, before an institution initiates a query request to other institutions, the customer needs to authorize first. When the customer initiates an authorization application at the terminal, he needs to specify which institution it is. Only after the platform receives the customer's authorization authentication information will it allow the institution specified by the customer to initiate a query request, thereby realizing customer authority control and information protection.

[0085] See also Figure 3 , which shows a main flow chart of an optional blockchain-based cross-institutional credit management method provided by an embodiment of the present invention, including the following steps:

[0086] S301: The organization sends a contract signing request to the platform, so that the platform reviews the organization contract signing information in the contract signing request by calling the third-party organization information;

[0087] S302: Receive and display the institution signing result returned by the platform; the institution signing information and institution signing result are stored on the blockchain by the platform;

[0088] S303: In response to the query operation on the contract information of other institutions, the institution sends a query transaction for the contract information of other institutions to the platform to receive the information returned by the platform; wherein the returned information is the contract information of other institutions that does not exist or is pulled from the blockchain when the other institutions exist.

[0089] In the above implementation, for steps S301 to S303, the institution can obtain the information of the customer in other institutions through the platform because the institution has a contractual relationship with the platform. Therefore, before it specifically handles the cross-institutional credit management, it needs to initiate a contract application to the platform. For details, see Figure 4 The following is the institutional contract authorization process:

[0090] 1. The organization initiates a contract request to the sharing platform to apply for access to the platform;

[0091] 2. After the platform accepts the signing request sent by the institution, a human (such as an administrator) verifies the institution's signing information in the request by calling the third-party institution information. After the verification is completed, the institution's signing result is generated and registered based on the verification result, and the institution's signing result is returned to the institution; and the institution's signing information and institution's signing result are stored on the chain to ensure traceability and auditability.

[0092] 3. For business scenarios such as off-site loans, account cancellation withdrawals, and lease withdrawals, the institution will send a request to the platform to query the contract information of other institutions, such as institution A querying the contract information of institution B on the platform.

[0093] 4. The platform accepts the request to query the contract information of other institutions, and pulls the contract information of other institutions on the blockchain and verifies it according to the node number field of other institutions. Consistent with the above customer authorization process, the contract information of other institutions queried is finally converted into a format and returned to the institution. It should be noted that in some cases, the institution B queried by institution A may not have signed a contract with the platform. In this case, the platform cannot query the contract information of institution B.

[0094] 5. The platform stores on-chain the actions of institutions inquiring about other institutions’ contract information and the query results (as well as the verification results of other institutions’ contract information) to ensure traceability and auditability.

[0095] It should be noted that in the scenario where institution A obtains the contract information of institution B from the platform, institution B does not need authorization and authentication, and can directly query it.

[0096] According to the method provided in the above embodiment, before an institution processes cross-institutional credit management, it is also necessary to initiate a contract application to the platform. At this time, its contract information is also stored on the blockchain, and can be directly obtained from the blockchain when other institutions query it later.

[0097] See also Figure 5 , which shows a main flow chart of another optional blockchain-based cross-institutional credit management method provided by an embodiment of the present invention, including the following steps:

[0098] S501: the platform converts the format of the contract signing request according to the preset interface document of the third party, and then sends the converted contract signing request to the third party, so as to receive and register the contract signing result returned by the third party;

[0099] S502: The platform receives a request from the institution to query the client's third-party information, calls the third party to obtain the client's third-party information and returns it to the institution;

[0100] S503: The institution's action of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; wherein the request for querying the client's third-party information is generated by the institution in response to the query operation on the client's third-party information.

[0101] In the above implementation, for steps S501 to S503, in actual operation, in some cases, it is necessary to call a third party to obtain information, such as civil affairs, industry and commerce, and personnel bureau. Figure 6 The following is the external three-party authorization process:

[0102] 1. The platform applies to third-party systems (such as the Civil Affairs Bureau, Industrial and Commercial Bank of China, and Population Information Database) for contract access to the system and opens dedicated line access.

[0103] 2. The third-party system returns the contract result, and the platform registers the result. Usually the platform will communicate with the third party offline about the contract, so the contract request sent to the third party will be converted according to the third party's interface document format.

[0104] 3. In some cases, such as when an institution accepts a client's first housing fund business, it is necessary to obtain the client's personal information from a third party. Figure 2 At this time, customer authorization authentication (face recognition authentication) is also required to ensure security. After the authentication is passed, the platform calls a third party to obtain the customer's third-party information.

[0105] 4. After receiving the third-party information of the customer from the third party, the platform first converts the information to obtain a message that can be recognized by the institution, and then returns it to the institution through the platform; at the same time, the institution's query action and query results of the customer's third-party information are recorded on the chain. In addition, the customer can also be notified of the institution's query results and the business is completed.

[0106] The method provided by the embodiment of the present invention has at least the following beneficial effects compared with the prior art:

[0107] 1. The platform introduces blockchain technology and establishes a data sharing and evidence storage mechanism. The system uploads business information and shared time point data to the chain in real time, enables the sharing of customer authorization information between institutions, and calls blockchain data in subsequent business verification and auditing to ensure that the data is traceable, tamper-proof, and authentic.

[0108] 2. Realize cross-institutional data query authorization during data sharing to effectively protect customer privacy; institutions need to sign a contract when accessing the platform. The platform is responsible for managing the institution's access rights, performing conversion processing before returning the data, and returning the judgment results required for the business to the institution, thereby preventing operators from accessing the original data and preventing the institution from accumulating customer information.

[0109] See Figure 7 (a) and (b), which shows a schematic diagram of the cross-institutional credit management framework based on blockchain. External services are divided into two parts: access (external institutions initiate requests to the platform) and external connections (platform initiates requests to external institutions and third parties);

[0110] 1. The access part mainly handles the requests initiated by various institutions, calls the corresponding services for processing according to the request information, is responsible for effectively monitoring the access rights and user information rights of the institutions, and monitors and records the transaction behaviors to ensure the security of the platform;

[0111] 2. The external connection part is mainly for the platform to initiate requests to external organizations, and send the queried data to other services for processing or return it to the organization that initiated the transaction. It should be noted that the sharing platform will not actively initiate requests to external organizations under normal circumstances. Only when the organization applies to query the information of the client's external organization will the platform initiate a request to the external organization.

[0112] See also Figure 8 , showing a schematic diagram of the main modules of a cross-institutional credit management system 800 based on blockchain provided by an embodiment of the present invention, including an institution, a mobile terminal and a platform:

[0113] Institutions, in response to the query operation of customer information in other institutions, send a personal information authorization authentication request to the platform; receive and display the personal authorization authentication identification code returned by the platform; after receiving the authorization authentication passed information returned by the platform, send a query request for the customer's authorization information in other institutions to the platform to receive the customer's authorization information in other institutions pulled from the blockchain by the platform;

[0114] The platform is used to generate a personal authorization authentication identification code and return it to the institution after receiving a personal information authorization authentication request from the institution; send the personal information authorization authentication information sent by the mobile terminal to the institution; and pull the customer's authorization information in other institutions from the blockchain and return it to the institution after receiving a request from the institution to query the customer's authorization information in other institutions;

[0115] The mobile terminal is used to scan the personal authorization authentication identification code to perform personal information authorization authentication operations, and send the personal information authorization authentication pass information to the platform.

[0116] In the implementation system of the present invention, the mobile terminal is used to:

[0117] In response to scanning the personal authorization authentication identification code, a face recognition process is triggered to collect the customer's face information and compare it with the face information of a third party;

[0118] If the comparison result is passed, the personal information authorization authentication is confirmed to be passed and sent to the platform, and the customer information located in other institutions is stored on the blockchain.

[0119] In the implementation system of the present invention, the platform is used to store the actions of an institution inquiring about customer information in other institutions and the queried customer authorization information on the blockchain.

[0120] In the implementation system of the present invention, the platform is also used to: call a third party to verify the customer authorization information pulled from the blockchain, and if the verification result is passed, the verification result is stored on the blockchain.

[0121] In the implementation system of the present invention, the platform is also used to: convert the format of the customer authorization information, obtain a format file corresponding to the organization and return it to the organization.

[0122] In the implementation system of the present invention, the organization is further used to: send a contract signing request to the platform, so that the platform can review the organization contract signing information in the contract signing request by calling the third-party organization information;

[0123] Receive and display the institution signing results returned by the platform; among them, the institution signing information and institution signing results are stored on the blockchain by the platform.

[0124] In the implementation system of the present invention, the organization is also used to: in response to a query operation on the contract information of other organizations, send a query transaction for the contract information of other organizations to the platform to receive information returned by the platform; wherein the returned information is the contract information of other organizations when the other organizations do not exist, or is pulled from the blockchain when the other organizations exist.

[0125] In the implementation system of the present invention, the platform is also used to store the actions of an organization inquiring about the contract information of other organizations and the queried information on the blockchain.

[0126] In the implementation system of the present invention, the platform is also used to: call a third party to verify the information of other institutions pulled from the blockchain, and if the verification result is passed, the verification result is stored on the blockchain.

[0127] In the implementation system of the present invention, the platform is also used to: convert the format of contract information of other institutions, obtain a format file corresponding to the institution and return it to the institution.

[0128] In the implementation system of the present invention, the platform is also used to: convert the format of the signing request according to the preset interface document of the third party, and then send the converted signing request to the third party to receive and register the signing result returned by the third party.

[0129] In the implementation system of the present invention, the platform is also used to: receive a request for querying the third-party information of a client sent by an institution, call a third party to obtain the third-party information of the client and return it to the institution; and

[0130] The institution's actions of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; among them, the request to query the client's third-party information is generated by the institution in response to the query operation on the client's third-party information after the client's authorization.

[0131] In the implementation system of the present invention, the platform is also used to: convert the format of the queried third-party information of the customer, obtain a format file corresponding to the organization and return it to the organization.

[0132] In addition, the specific implementation content of the system described in the embodiment of the present invention has been described in detail in the method described above, so the repeated content will not be described again here.

[0133] Fig. 9 An exemplary system architecture 900 to which embodiments of the present invention may be applied is shown, including terminal devices 901 , 902 , 903 , a network 904 and a server 905 (only an example).

[0134] Terminal devices 901, 902, 903 can be various electronic devices with display screens and supporting web browsing, and various communication client applications are installed. Users can use terminal devices 901, 902, 903 to interact with server 905 through network 904 to receive or send messages, etc.

[0135] The network 904 is used to provide a medium for communication links between the terminal devices 901, 902, 903 and the server 905. The network 904 may include various connection types, such as wired, wireless communication links or optical fiber cables.

[0136] The server 905 may be a server that provides various services and is used to perform ... operations.

[0137] It should be noted that the method provided in the embodiment of the present invention is generally executed by the server 905 , and accordingly, the system is generally set in the server 905 .

[0138] It should be understood that Fig. 9 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0139] Reference below Fig.10 , which shows a schematic diagram of the structure of a computer system 1000 of a terminal device suitable for implementing an embodiment of the present invention. Fig.10 The terminal device shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0140] like Fig.10 As shown, the computer system 1000 includes a central processing unit (CPU) 1001, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage part 1008 into a random access memory (RAM) 1003. In the RAM 1003, various programs and data required for the operation of the system 1000 are also stored. The CPU 1001, the ROM 1002, and the RAM 1003 are connected to each other via a bus 1004. An input / output (I / O) interface 1005 is also connected to the bus 1004.

[0141] The following components are connected to the I / O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1008 including a hard disk, etc.; and a communication section 1009 including a network interface card such as a LAN card, a modem, etc. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I / O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1010 as needed, so that a computer program read therefrom is installed into the storage section 1008 as needed.

[0142] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1009, and / or installed from the removable medium 1011. When the computer program is executed by the central processing unit (CPU) 1001, the above-mentioned functions defined in the system of the present invention are executed.

[0143] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, system or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media that can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, system or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0144] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0145] The modules involved in the embodiments of the present invention may be implemented in software or hardware, and the modules described may also be arranged in a processor.

[0146] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes:

[0147] In response to the query operation of customer information in other institutions, the institution sends a personal information authorization and authentication request to the platform;

[0148] Receive the personal authorization authentication identification code returned by the platform and display it, so that the customer can scan the personal authorization authentication identification code through the mobile terminal to perform personal information authorization authentication operation;

[0149] After receiving the authorization authentication information returned by the platform, a request to query the customer's authorization information in other institutions is sent to the platform to receive the customer's authorization information in other institutions pulled by the platform from the blockchain.

[0150] The computer program product of the present invention includes a computer program, which, when executed by a processor, implements the blockchain-based cross-institutional credit management method in an embodiment of the present invention.

[0151] According to the technical solution of the embodiment of the present invention, in order to solve the existing customer and institution authority problems when querying information across institutions, it is proposed to use the platform as a shared channel for data query, which is responsible for handling data docking between institutions and between customers and institutions. When institutions access the platform, they must first sign a unified contract, and the initiating institution only calls the platform's services. After processing by the platform, it initiates inquiries to other institutions for customer authorized information transactions, and returns the query results by the original route or hands them over to other institutions for processing before returning. In this process, all transaction records must be stored on the chain to facilitate subsequent traceability inquiries on transactions that have occurred.

[0152] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A cross-institutional credit management method based on blockchain, characterized in that: include: In response to the query operation of customer information in other institutions, the institution sends a personal information authorization and authentication request to the platform; Receive the personal authorization authentication identification code returned by the platform and display it, so that the customer can scan the personal authorization authentication identification code through the mobile terminal to perform personal information authorization authentication operation; After receiving the authorization authentication information returned by the platform, send a request to the platform to query the customer's authorization information in other institutions, so as to receive the customer's authorization information in other institutions pulled from the blockchain by the platform; In response to a query operation on contract information of other institutions, the institution sends a query transaction for contract information of other institutions to the platform to receive information returned by the platform; wherein the returned information is information that does not exist in the other institutions or the returned information is contract information of other institutions pulled from the blockchain when the other institutions exist.

2. The method according to claim 1, characterized in that: The customer scans the personal authorization authentication identification code through the mobile terminal to perform personal information authorization authentication operations, including: The mobile terminal responds to the scanning of the personal authorization authentication identification code, triggering a face recognition process to collect the customer's face information and compare it with the face information of a third party; If the comparison result is passed, the personal information authorization authentication is confirmed to be passed and sent to the platform, and the customer information located in other institutions is stored on the blockchain.

3. The method according to claim 1 or 2, characterized in that: Also includes: The platform stores the actions of an institution querying customer information in other institutions and the queried customer authorization information on the blockchain.

4. The method according to claim 3, characterized in that Also includes: The platform calls a third party to verify the customer authorization information pulled from the blockchain. If the verification result is passed, the verification result is stored on the blockchain.

5. The method according to claim 4, characterized in that Also includes: The platform converts the format of the customer's authorization information and obtains a format file corresponding to the institution and returns it to the institution.

6. The method according to claim 1, characterized in that Before sending the personal information authorization authentication request to the platform, it also includes: The institution sends a contract signing request to the platform, so that the platform can review the institution contract signing information in the contract signing request by calling the third-party institution information; Receive and display the institution signing results returned by the platform; among them, the institution signing information and institution signing results are stored on the blockchain by the platform.

7. The method according to claim 1, characterized in that Also includes: The platform stores the actions of an institution inquiring about the contract information of other institutions and the information obtained on the blockchain.

8. The method according to claim 1 or 7, characterized in that: Also includes: The platform calls a third party to verify the information of other institutions pulled from the blockchain. If the verification result is passed, the verification result will be stored on the blockchain.

9. The method according to claim 1, characterized in that: Also includes: The platform converts the format of contract information of other institutions, obtains the format file corresponding to the institution and returns it to the institution.

10. The method according to claim 1, characterized in that Also includes: The platform converts the format of the signing request according to the preset interface document of the third party, and then sends the converted signing request to the third party to receive and register the signing result returned by the third party.

11. The method according to claim 10, characterized in that Also includes: The platform receives the request from the institution to query the third-party information of the client, calls the third party to obtain the third-party information of the client and returns it to the institution; as well as The institution's actions of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; among them, the request to query the client's third-party information is generated by the institution in response to the query operation on the client's third-party information after the client's authorization.

12. The method according to claim 10, characterized in that Also includes: The platform converts the format of the retrieved third-party information of customers and obtains a format file corresponding to the institution and returns it to the institution.

13. A cross-institutional credit management system based on blockchain, characterized in that: Including institutions, mobile terminals and platforms: The institution is used to send a personal information authorization authentication request to the platform in response to a query operation on customer information in other institutions; receive and display the personal authorization authentication identification code returned by the platform; after receiving the authorization authentication pass information returned by the platform, send a request to query the customer's authorization information in other institutions to the platform to receive the customer's authorization information in other institutions pulled from the blockchain by the platform; the institution is also used to: in response to a query operation on the contract information of other institutions, send a query transaction for the contract information of other institutions to the platform to receive the information returned by the platform; wherein the returned information is information that does not exist in other institutions or the returned information is contract information of other institutions pulled from the blockchain when other institutions exist; The platform is used to generate a personal authorization authentication identification code and return it to the institution after receiving a personal information authorization authentication request from the institution; send the personal information authorization authentication information sent by the mobile terminal to the institution; and pull the customer's authorization information in other institutions from the blockchain and return it to the institution after receiving a request from the institution to query the customer's authorization information in other institutions; The mobile terminal is used to scan the personal authorization authentication identification code to perform personal information authorization authentication operations, and send the personal information authorization authentication pass information to the platform.

14. The system according to claim 13, characterized in that Mobile terminal, used for: In response to scanning the personal authorization authentication identification code, a face recognition process is triggered to collect the customer's face information and compare it with the face information of a third party; If the comparison result is passed, the personal information authorization authentication is confirmed to be passed and sent to the platform, and the customer information located in other institutions is stored on the blockchain.

15. The system according to claim 13 or 14, characterized in that The platform is used to store the actions of an institution querying customer information in other institutions and the queried customer authorization information on the blockchain.

16. The system according to claim 15, characterized in that The platform is also used to: call a third party to verify the customer authorization information pulled from the blockchain. If the verification result is passed, the verification result will be stored on the blockchain.

17. The system according to claim 16, characterized in that The platform is also used to: convert the format of customer authorization information, obtain the format file corresponding to the institution and return it to the institution.

18. The system according to claim 13, characterized in that The institution is also used to: send a contract signing request to the platform, so that the platform can review the institution contract signing information in the contract signing request by calling the third-party institution information; Receive and display the institution signing results returned by the platform; among them, the institution signing information and institution signing results are stored on the blockchain by the platform.

19. The system according to claim 13, characterized in that The platform is also used to store the actions of an institution inquiring about other institutions’ contract information and the queried information on the blockchain.

20. The system according to claim 13 or 19, characterized in that The platform is also used to: call a third party to verify the information of other institutions pulled from the blockchain. If the verification result is passed, the verification result will be stored on the blockchain.

21. The system according to claim 13, characterized in that The platform is also used to: convert the format of contract information of other institutions, obtain the format file corresponding to the institution and return it to the institution.

22. The system according to claim 13, characterized in that The platform is also used to: convert the format of the signing request according to the preset interface document of the third party, and then send the converted signing request to the third party to receive and register the signing result returned by the third party.

23. The system according to claim 22, characterized in that The platform is also used to: receive requests from institutions to query client third-party information, call third parties to obtain client third-party information and return it to the institution; as well as The institution's actions of querying the client's third-party information and the queried client's third-party information are stored on the blockchain; among them, the request to query the client's third-party information is generated by the institution in response to the query operation on the client's third-party information after the client's authorization.

24. The system according to claim 22, characterized in that The platform is also used to: convert the format of the queried third-party information of customers, obtain the format file corresponding to the organization and return it to the organization.

25. An electronic device, characterized in that: include: one or more processors; a storage system for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 12.

26. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the method according to any one of claims 1 to 12 is implemented.

27. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the method according to any one of claims 1 to 12 is implemented.

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