A credit granting system and method based on blockchain

Abstract

One or more embodiments of the present specification disclose a credit granting system and method based on blockchain. The scheme deploys the target enterprise applying for credit and multiple financial institutions in the same blockchain network, and utilizes the decentralized principle of the blockchain network and a specially designed privacy protection platform to achieve privacy protection of the target enterprise's key data and ensure the authenticity and reliability of the data. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions, and there is no associated information between different identity identifiers, thereby effectively avoiding the collection of owner identity information; furthermore, smart contracts are used to verify the interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, which truly realizes the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improves the efficiency of credit processing.

Description

Technical Field

[0001] This document relates to the field of blockchain technology, and in particular to a blockchain-based credit system and method. Background Art

[0002] Blockchain is a decentralized and innovative solution that uses distributed ledger technology to solve multi-party trust issues. It is a cutting-edge technology in today's society.

[0003] As the most important component of market entities, small and medium-sized enterprises have played a very important role in the development of my country's national economy and are the "reservoir" and "stabilizer" of China's economy. Due to information asymmetry, the particularity of small and medium-sized enterprises and their high-frequency and small-amount financing needs, it is difficult for traditional financial institutions to provide financial services to small and medium-sized enterprises, which has become a shackle on the road to development of small and medium-sized enterprises.

[0004] The development of Internet finance has led to a rapid growth in the transaction volume of my country's credit market, and the market has put forward an urgent demand for financing management. The traditional supply chain financial business system is centered on the credit of large core enterprises in the industrial chain, and credit is granted around the upstream and downstream of core enterprises. Small and medium-sized enterprises in the industrial field lack the credit transmission of core enterprises, and the lack of credit of small and medium-sized enterprises in the industrial field has become the main bottleneck restricting the financing of small and medium-sized enterprises. The business flow, logistics, and information flow in the supply chain are scattered, and financial institutions cannot conduct risk assessment and capital control for small and medium-sized enterprises, and may even question data trust. It can be seen that there is a large demand for the circulation of user data between financial institutions and small and medium-sized enterprises; however, it is usually difficult for various institutions to establish an effective trust cooperation mechanism, and it is impossible to guarantee the authenticity and reliability of key data of enterprises, which leads to low efficiency in credit application processing for enterprises. Summary of the invention

[0005] The purpose of one or more embodiments of this specification is to provide a blockchain-based credit system and method, so as to achieve privacy protection of key data of the target enterprise and ensure the authenticity and reliability of the data by deploying the target enterprise applying for credit and multiple financial institutions in the same blockchain network, utilizing the decentralized principle of the blockchain network and a specially designed privacy protection platform. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions, and there is no associated information between different identity identifiers, thereby effectively avoiding the collection of owner identity information; furthermore, smart contracts are used to verify interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, truly realizing the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improving credit processing efficiency.

[0006] To solve the above technical problems, one or more embodiments of this specification are implemented as follows:

[0007] In the first aspect, a blockchain-based credit system is proposed, which is applied to a blockchain network consisting of at least a target enterprise and multiple financial institutions; the system includes: a data collection platform, a privacy protection platform, and a smart contract platform; wherein,

[0008] The data collection platform is used to collect key information of the target enterprise; the key information includes first-dimensional privacy data and second-dimensional privacy data;

[0009] The privacy protection platform is used to encrypt the first-dimensional privacy data in the received key information using a first-type encryption algorithm to obtain first-dimensional encrypted information; and to encrypt the second-dimensional privacy data in the received key information using a second-type encryption algorithm to obtain second-dimensional encrypted information; and to send the first-dimensional encrypted information and the second-dimensional encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage;

[0010] The smart contract platform is used to receive the credit application of the target enterprise, and search for matching enterprise encrypted information based on the credit application, and broadcast it to multiple financial institutions in the blockchain network; and trigger each financial institution: based on the matching credit sub-contract in the locally deployed credit contract, verify the second-dimensional encrypted information in the enterprise encrypted information, and decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm. After the verification is passed, the financial institution broadcasts the credit result, and the credit sub-contract is based on the credit result of the first financial institution received; and, return a credit approval notification to the target enterprise.

[0011] In the second aspect, a blockchain-based credit granting method is proposed, which is applied to a blockchain network consisting of at least a target enterprise and multiple financial institutions; the method comprises:

[0012] The data collection platform collects key information of the target enterprise; the key information includes first-dimensional privacy data and second-dimensional privacy data;

[0013] The privacy protection platform uses a first type of encryption algorithm to encrypt the first dimension privacy data in the received key information to obtain first dimension encrypted information; and uses a second type of encryption algorithm to encrypt the second dimension privacy data in the received key information to obtain second dimension encrypted information; and sends the first dimension encrypted information and the second dimension encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage;

[0014] The smart contract platform receives the credit application of the target enterprise, searches for matching enterprise encrypted information based on the credit application, and broadcasts it to multiple financial institutions in the blockchain network; and triggers each financial institution to: verify the second-dimensional encrypted information in the enterprise encrypted information based on the matching credit sub-contract in the locally deployed credit contract, and decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm. After the enterprise encrypted information is verified, the financial institution broadcasts the credit result, and the credit sub-contract is based on the credit result of the first financial institution received; and, returns a credit approval notification to the target enterprise.

[0015] In a third aspect, an electronic device is provided, comprising:

[0016] Processor; and

[0017] A memory arranged to store computer executable instructions, which when executed cause the processor to perform the method of the second aspect.

[0018] In a fourth aspect, a computer-readable storage medium is proposed, which stores one or more programs. When the one or more programs are executed by an electronic device including multiple application programs, the electronic device executes the method described in the second aspect.

[0019] It can be seen from the technical solutions provided by one or more embodiments of the above specification that by deploying the target enterprise applying for credit and multiple financial institutions in the same blockchain network, the decentralized principle of the blockchain network and the specially designed privacy protection platform are utilized to achieve privacy protection of the key data of the target enterprise and ensure the authenticity and reliability of the data. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions, and there is no associated information between different identity identifiers, thereby effectively avoiding the collection of owner identity information; furthermore, smart contracts are used to verify the interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, which truly realizes the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improves the efficiency of credit processing. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate one or more embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the description of one or more embodiments or the prior art will be briefly introduced below. Obviously, the drawings described below are only some embodiments recorded in this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative labor.

[0021] Figure 1 This is a schematic diagram of the structure of a blockchain-based credit system provided in an embodiment of this specification.

[0022] Figure 2 It is a schematic diagram of the corporate financing credit architecture provided in the embodiments of this specification.

[0023] Figure 3 This is a schematic diagram of the steps of a blockchain-based credit authorization method provided by an embodiment of this specification.

[0024] Figure 4 It is a schematic diagram of the structure of an electronic device provided by an embodiment of this specification. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in one or more embodiments of this specification will be clearly and completely described below in conjunction with the drawings in one or more embodiments of this specification. Obviously, the one or more embodiments described are only part of the embodiments of this specification, not all of the embodiments. Based on one or more embodiments in this specification, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of this document.

[0026] Smart contracts deployed on the blockchain can usually only reference data content stored on the blockchain; in actual applications, for some complex business scenarios implemented based on smart contract technology, smart contracts may also need to reference external data on some off-chain data entities.

[0027] In this scenario, smart contracts deployed on the blockchain can use Oracle to reference data on data entities outside the chain, thereby realizing data interaction between smart contracts and data entities in the real world. Among them, data entities outside the chain can include centralized servers or data centers deployed outside the chain.

[0028] When the target smart contract on the blockchain is called, the external data required by the target smart contract can be read from the account storage space of the oracle smart contract to complete the calling process of the smart contract. It should be noted that when the oracle sends external data to the smart contract on the blockchain, it can be sent actively or passively. In one implementation, the data entity outside the chain can sign the external data that needs to be provided to the target smart contract with the private key of the oracle and send it to the above-mentioned oracle smart contract.

[0029] In practical applications, some non-monetary physical assets in the real world can be converted into virtual assets that can be circulated on the blockchain. For users who access the above blockchain, the user can create a virtual asset on the blockchain that matches the value of the non-monetary physical assets in the real world and circulate it on the blockchain; for example, the user can convert the non-monetary physical assets such as real estate, stocks, loan contracts, bills and accounts receivable held by the user into virtual assets with matching value and circulate them on the blockchain.

[0030] The biggest problem facing the traditional financing industry at present is that financial institutions are unable to effectively obtain information about the production and operation status of enterprises, lack effective technical means to conduct credit assessments on enterprises, and each participant's system exists independently in data silos. In actual operations, they are faced with issues such as the inability to efficiently and reliably share data and how to determine the identity of users and the authenticity of transaction data. Blockchain technology naturally has the characteristics of multi-centralization, transparent data transactions, full traceability, and difficulty in tampering, which are naturally compatible with relevant needs in the financial field and can solve this problem.

[0031] Reference Figure 1 As shown in the figure, it is a schematic diagram of a credit system structure based on blockchain provided in the embodiment of this specification, combined with Figure 2 As can be seen from the flowchart shown, the system is applied to a blockchain network consisting of at least a target enterprise and multiple financial institutions; the system includes: a data collection platform 102, a privacy protection platform 104 and a smart contract platform 106; wherein,

[0032] The data collection platform 102 is used to collect key information of the target enterprise; the key information includes first-dimensional privacy data and second-dimensional privacy data.

[0033] The privacy protection platform 104 is used to encrypt the first-dimensional privacy data in the received key information using a first-type encryption algorithm to obtain first-dimensional encrypted information; and to encrypt the second-dimensional privacy data in the received key information using a second-type encryption algorithm to obtain second-dimensional encrypted information; and to send the first-dimensional encrypted information and the second-dimensional encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage.

[0034] Among them, the first type of encryption algorithm used by the privacy protection platform 104 when encrypting the first dimension privacy data is an elliptic encryption algorithm; and the second type of encryption algorithm used when encrypting the second dimension privacy data is an encryption algorithm based on zero-knowledge proof.

[0035] Elliptic Curve Cryptosystem (ECC) is a public key encryption algorithm based on elliptic curve mathematics. Its essence is to use discrete logarithm problems to achieve encryption. It is mainly used to encrypt data, decrypt data and exchange secret keys.

[0036] Zero-Knowledge Proof (ZKP) is a method where the prover can convince the verifier that a certain assertion is correct without providing any useful information to the verifier. Zero-knowledge proof is essentially a protocol involving two or more parties, that is, a series of steps required for two or more parties to complete a task. The prover proves to the verifier and makes him believe that he knows or has a certain message, but the proof process cannot leak any information about the proven message to the verifier.

[0037] Financial institutions need to conduct credit assessments based on the enterprise data collected by the data collection platform. These enterprise data are the key information required for applying for credit, including basic enterprise information, enterprise production information, enterprise operation information, bank account information, etc. However, as an enterprise, it does not want to provide its core data directly to financial institutions. In order to take into account the needs of credit and the privacy protection needs of the enterprise, a data privacy protection solution needs to be designed. That is, the ECC-ZKP privacy protection solution based on two data dimensions designed by the present invention. By analyzing the collected data, data privacy protection can be divided into the following two dimensions:

[0038] The first dimension of privacy: data suitable for plain text sharing between enterprises and financial institutions, but enterprises do not want to share with people outside the financial institutions, such as basic enterprise information, bank account information, etc. For this part of data, the present invention uses the ECC elliptic curve encryption algorithm to encrypt and transmit between enterprises and financial institutions. Only the corresponding credit institution can decrypt, thereby protecting the privacy and security of the data.

[0039] The second dimension of privacy: core privacy data of enterprises, which enterprises do not want to share directly with financial institutions, including enterprise production information, enterprise operation information, etc. For this part of information, the present invention designs a privacy protection scheme based on zero-knowledge proof. Taking enterprise operation information as an example, enterprise operation information includes enterprise sales data, enterprise net profit, enterprise receivables data, enterprise payables data, etc. In actual operation, different indicators can be designed for this part of data, such as:

[0040] --Net profit margin (fr) = net profit (np) / sales revenue (s);

[0041] --Net profit growth rate (if) = this year's net profit margin (cfr) / last year's net profit margin (lfr);

[0042] --Account receivables (f) = enterprise receivables data (rs) - enterprise payables data (ps);

[0043] For the converted indicator data, it is sufficient to prove that the data is greater than the existing evaluation standards of the financial institution. For example, the net sales rate fr must meet the requirements of greater than 200%, account receivables>1 million, etc., that is, the enterprise only needs to prove to the financial institution that the np / s result is>200%, without exposing the original data. The present invention designs a zero-knowledge proof based on ZK-SNARK, designs a corresponding ZK-SNARK circuit for the calculation formulas of indicators such as fr, if, and f that meet the calculation standards of financial institutions, and integrates multiple circuits to form a zero-knowledge proof of enterprise credit, and then inputs the zero-knowledge proof into the credit contract verification algorithm for automatic verification. If the verification is passed, it proves that the enterprise's credit data meets the requirements of the financial institution. The credit zero-knowledge proof generated by the present invention not only ensures the privacy of the original data, but also ensures the correctness of the result calculation, thereby improving the security of financial evaluation credit under the premise of ensuring data privacy.

[0044] The smart contract platform 106 is used to receive the credit application of the target enterprise, and search for matching enterprise encrypted information based on the credit application, and broadcast it to multiple financial institutions in the blockchain network; and trigger each financial institution: verify the second-dimensional encrypted information in the enterprise encrypted information based on the matching credit sub-contract in the locally deployed credit contract, and decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm. After the enterprise encrypted information is verified, the financial institution broadcasts the credit result, and the credit sub-contract is based on the credit result received from the first financial institution; and return a credit approval notification to the target enterprise.

[0045] It should be understood that after broadcasting the enterprise encrypted information to various financial institutions that serve as blockchain nodes, each financial institution can decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information off-chain, wherein the decryption algorithm used can be a decryption algorithm that matches the first type of encryption algorithm; at the same time, each financial institution can also verify the second-dimensional encrypted information in the enterprise encrypted information on-chain through the matching credit sub-contract in the smart contract.

[0046] Optionally, the smart contract platform 106 is also used to register and assign multiple different identity identifiers for the target enterprise based on DID technology, and generate an asymmetric key for each identity identifier; wherein each identity identifier is uniquely identified by any of the multiple financial institutions.

[0047] Decentralized Identifiers (DID) are decentralized, verifiable digital identifiers with the characteristics of being distributed, autonomous, controllable, and cross-chain reusable. User entities (natural persons, enterprises, institutions, etc.) can independently complete the registration, resolution, update, or revocation of DIDs. It should be understood that in this application, the user entity can be regarded as the target enterprise. DID is an identifier consisting of a string of characters that is used to represent a digital identity and can achieve global uniqueness without the need for a central registration agency. Typically, a user entity can have multiple identities, each of which is assigned a unique DID value and an asymmetric key associated with it. There is no associated information between different identities, which effectively avoids the aggregation of owner identity information.

[0048] Among them, DID can be specifically resolved into DID Document, which includes the unique identification code of DID, the public key list and detailed information of the public key (holder, encryption algorithm, key status, etc.), and other attribute descriptions of the DID holder. The user can complete identity authentication through the agent and create one or more DIDs. These DIDs are not related to each other and represent different identity information in different business fields. It can be seen that the Internet of Things ensures the authenticity of off-chain data, and at the same time sets up distributed digital identity DIDs for target enterprises in different financial institutions, supporting entities to minimize information or selectively disclose information to financial institutions.

[0049] Optionally, the smart contract platform 106 is also used to save the credit verification and credit results to the blockchain. In fact, all credit application data, process data and results can be saved in the blockchain, and the entire process of credit financing can be recorded through smart contracts to achieve traceability supervision of each credit and financing. At the same time, historical data can be used as an evaluation basis for future financing of enterprises, forming a new ecology of corporate credit financing.

[0050] Optionally, the smart contract platform 106 is also used to perform credit operations for the target enterprise after the target enterprise obtains the credit license in accordance with the preset credit policy corresponding to the financial institution that issued the credit license in the smart contract, wherein the credit operation includes at least some or all of the following: loans, financing, and advances.

[0051] In the specific implementation, the smart contracts in the smart contract platform are all written and tested by using the solidity language and the online compilation tool Remix to design the smart contract algorithm code based on the credit assessment standards of the target enterprise. The credit assessment standards are designed for each enterprise through smart contracts. The blockchain receives the enterprise credit assessment request data, and the smart contract is automatically executed to assess the credit for the enterprise. The enterprise applies for financing, fills in all the form information, and when the enterprise's "Financing Business Contract" is confirmed to be correct, the electronic contract is signed and stored on the chain.

[0052] The smart contract platform is also used to trigger the financial institution that issued the credit license to send a credit termination notice to other financial institutions after receiving the first credit license sent.

[0053] In this application, in order to improve the success rate of credit granting to the target enterprise, the platform introduces multiple financial institutions and adopts a one-to-many credit granting model between enterprises and financial institutions. At the same time, in order to avoid financing risks caused by repeated credit granting to enterprises, the platform designs a mutually exclusive credit granting solution based on blockchain technology. When an enterprise submits a financing application to the smart contract, the blockchain broadcasts the credit application to the financial institutions. When a financial institution first receives the enterprise's financing information and issues an acceptance response, it sends a broadcast message to other nodes on the chain to notify other financial institutions that it has responded to this financing application and established a one-to-one credit granting relationship with the applicant enterprise; after that, other financial institutions terminate the credit verification of the target enterprise.

[0054] It can be seen that the present invention is composed of a blockchain data collection platform, an ECC-ZKP privacy protection platform, and a smart contract platform, wherein the data collection platform is responsible for collecting the original data of the enterprise, the privacy protection platform is responsible for protecting the privacy of the original data, and the smart contract platform includes contracts such as digital identity contracts, credit contracts, and financing contracts, which are responsible for the effective verification of privacy data, as well as the automated processing of the core logic of automated credit and financing business. Thus, the equipment information, production and operation information, and bank account information of small and medium-sized enterprises are collected and uploaded to the chain through the Internet of Things through blockchain technology to ensure the authenticity and reliability of the data. In addition, through the distributed digital identity DID solution, it can help institutions to authorize and share trusted data, so that each institution can provide users with higher quality services based on comprehensive data. At the same time, a one-to-many financing model between target enterprises and financial institutions is proposed, and the interconnection between enterprises and multiple financial institutions is realized based on blockchain, providing a trusted network foundation for efficient credit financing and improving the financing success rate of enterprises. In addition, to address the issue of enterprise data privacy, the ECC-ZKP privacy protection solution is used to encrypt and transmit the financing credit information between enterprises and financial institutions through the elliptic curve encryption algorithm, and a dedicated privacy protection circuit is designed for multiple enterprise privacy protection data based on the zero-knowledge proof algorithm. Credit certificates are generated through multiple superimposed privacy protection circuits, ensuring the efficient and safe implementation of credit and financing without exposing the privacy of enterprise data.

[0055] Reference Figure 3 As shown, a schematic diagram of a blockchain-based credit granting method provided in an embodiment of this specification is applied to a blockchain network consisting of at least a target enterprise and multiple financial institutions; the method includes:

[0056] Step 302: The data collection platform collects key information of the target enterprise; the key information includes first dimension privacy data and second dimension privacy data;

[0057] Step 304: the privacy protection platform uses a first type of encryption algorithm to encrypt the first dimension privacy data in the received key information to obtain first dimension encrypted information; and uses a second type of encryption algorithm to encrypt the second dimension privacy data in the received key information to obtain second dimension encrypted information; and sends the first dimension encrypted information and the second dimension encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage;

[0058] Step 306: The smart contract platform receives the credit application of the target enterprise, searches for matching enterprise encrypted information based on the credit application, and broadcasts it to multiple financial institutions in the blockchain network; and triggers each financial institution to: verify the second-dimensional encrypted information in the enterprise encrypted information based on the matching credit sub-contract in the locally deployed credit contract, and decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm. After the enterprise encrypted information is verified, the financial institution broadcasts the credit result, and the credit sub-contract is based on the credit result of the first financial institution received; and, returns a credit approval notification to the target enterprise.

[0059] Optionally, the first type of encryption algorithm used by the privacy protection platform when encrypting the first dimension privacy data is an elliptic encryption algorithm; and the second type of encryption algorithm used when encrypting the second dimension privacy data is an encryption algorithm based on zero-knowledge proof.

[0060] Optionally, before step 304, the method further includes: the smart contract platform registers and allocates multiple different identity identifiers for the target enterprise based on DID technology, and generates an asymmetric key for each identity identifier; wherein each identity identifier is uniquely identified by any of the multiple financial institutions.

[0061] By deploying the target enterprise applying for credit and multiple financial institutions in the same blockchain network, and utilizing the decentralized principle of the blockchain network and a specially designed privacy protection platform, the privacy protection of the target enterprise's key data and the authenticity and reliability of the data can be achieved. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions. There is no associated information between different identity identifiers, which effectively avoids the collection of the owner's identity information. Furthermore, smart contracts are used to verify the interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, truly realizing the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improving credit processing efficiency.

[0062] Figure 4 This is a schematic diagram of the structure of an electronic device according to an embodiment of this specification. Figure 4 At the hardware level, the electronic device includes a processor, and optionally also includes an internal bus, a network interface, and a memory. The memory may include a memory, such as a high-speed random access memory (RAM), and may also include a non-volatile memory (non-volatile memory), such as at least one disk storage. Of course, the electronic device may also include hardware required for other services.

[0063] The processor, network interface and memory can be interconnected through an internal bus, which can be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus. The bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 4 Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0064] The memory is used to store the program. Specifically, the program may include a program code, and the program code includes a computer operation instruction. The memory may include a memory and a non-volatile memory, and provides instructions and data to the processor.

[0065] The processor reads the corresponding computer program from the non-volatile memory into the memory and then runs it, forming a corresponding device at the logical level. The processor executes the program stored in the memory.

[0066] The above is as in this manual Figure 2The method executed by the device disclosed in the illustrated embodiment can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by an integrated logic circuit of hardware in the processor or instructions in the form of software. The above processor can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in one or more embodiments of this specification can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in one or more embodiments of this specification can be directly embodied as a hardware decoding processor for execution, or can be executed by a combination of hardware and software modules in the decoding processor. The software module can be located in a storage medium mature in the art such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory, and the processor reads the information in the memory and completes the steps of the above method in combination with its hardware.

[0067] The electronic device may also perform Figure 2 The method and the corresponding device are implemented in Figure 2 The functions of the illustrated embodiments will not be described in detail in the embodiments of this specification.

[0068] Of course, in addition to software implementation, the electronic device of the embodiments of this specification does not exclude other implementation methods, such as logic devices or a combination of software and hardware, etc., that is to say, the execution subject of the following processing flow is not limited to each logic unit, but can also be hardware or logic devices.

[0069] By deploying the target enterprise applying for credit and multiple financial institutions in the same blockchain network, and utilizing the decentralized principle of the blockchain network and a specially designed privacy protection platform, the privacy protection of the target enterprise's key data and the authenticity and reliability of the data can be achieved. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions. There is no associated information between different identity identifiers, which effectively avoids the collection of the owner's identity information. Furthermore, smart contracts are used to verify the interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, truly realizing the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improving credit processing efficiency. Embodiment 4

[0070] The embodiment of the present specification also provides a computer-readable storage medium, which stores one or more programs, wherein the one or more programs include instructions, which, when executed by a portable electronic device including a plurality of application programs, enable the portable electronic device to execute Figure 2 The method of the illustrated embodiment.

[0071] By deploying the target enterprise applying for credit and multiple financial institutions in the same blockchain network, and utilizing the decentralized principle of the blockchain network and a specially designed privacy protection platform, the privacy protection of the target enterprise's key data and the authenticity and reliability of the data can be achieved. At the same time, DID technology is used to realize the corresponding identification of the target enterprise in different financial institutions. There is no associated information between different identity identifiers, which effectively avoids the collection of the owner's identity information. Furthermore, smart contracts are used to verify the interactive data and issue credit to the target enterprise, and the process data and results are stored in the blockchain, truly realizing the optimization of financing and credit for small and medium-sized enterprises based on blockchain and improving credit processing efficiency.

[0072] In short, the above description is only a preferred embodiment of this specification and is not intended to limit the protection scope of this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in the protection scope of this specification.

[0073] The systems, devices, modules or units described in one or more of the above embodiments may be implemented by a computer chip or entity, or by a product having a certain function. A typical implementation device is a computer. Specifically, the computer may be, for example, a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

[0074] 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.

[0075] 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.

[0076] Each embodiment in this specification 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 system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0077] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

Claims

1. A blockchain-based credit system, characterized in that: Applied to a blockchain network consisting of at least a target enterprise and multiple financial institutions; the system includes: a data collection platform, a privacy protection platform, and a smart contract platform; wherein, The data collection platform is used to collect key information of the target enterprise; the key information includes first-dimensional privacy data and second-dimensional privacy data; The privacy protection platform is used to encrypt the first-dimensional privacy data in the received key information using a first-type encryption algorithm to obtain first-dimensional encrypted information; and to encrypt the second-dimensional privacy data in the received key information using a second-type encryption algorithm to obtain second-dimensional encrypted information; and to send the first-dimensional encrypted information and the second-dimensional encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage; The smart contract platform is used to receive the credit application of the target enterprise, and search for matching enterprise encrypted information based on the credit application, and broadcast it to multiple financial institutions in the blockchain network; and trigger each financial institution to: verify the second dimension encrypted information in the enterprise encrypted information based on the matching credit sub-contract in the locally deployed credit contract, and decrypt and verify the first dimension encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm, and the financial institution broadcasts the credit result after the enterprise encrypted information is verified, and the credit sub-contract is based on the credit result of the first financial institution received; and return a credit approval notification to the target enterprise; The first type of encryption algorithm used by the privacy protection platform when encrypting the first dimension privacy-related data is an elliptic encryption algorithm; and the second type of encryption algorithm used when encrypting the second dimension privacy-related data is an encryption algorithm based on zero-knowledge proof; The smart contract platform is also used to register and assign multiple different identity identifiers to the target enterprise based on DID technology, and generate an asymmetric key for each identity identifier; wherein each identity identifier is uniquely identified by any of the plurality of financial institutions; The smart contract platform is further used to perform credit operations for the target enterprise after the target enterprise obtains the credit permission according to the preset credit policy corresponding to the smart contract of the financial institution that issued the credit permission, wherein the credit operation includes at least some or all of the following: loans, financing and advances; Smart contracts in the smart contract platform are all written and tested using the solidity language and the online compilation tool Remix to write smart contract algorithm codes based on the credit assessment standards designed by the target enterprise; The smart contract platform is also used to trigger the financial institution that issued the credit license to send a credit termination notice to other financial institutions after receiving the first credit license sent.

2. The blockchain-based credit system according to claim 1, characterized in that: The smart contract platform is also used to save the credit verification and credit results to the blockchain.

3. A blockchain-based credit granting method, characterized in that: Applied to a blockchain network consisting of at least a target enterprise and a plurality of financial institutions; the method comprises: The data collection platform collects key information of the target enterprise; the key information includes first-dimensional privacy data and second-dimensional privacy data; The privacy protection platform uses a first type of encryption algorithm to encrypt the first dimension privacy data in the received key information to obtain first dimension encrypted information; and uses a second type of encryption algorithm to encrypt the second dimension privacy data in the received key information to obtain second dimension encrypted information; and sends the first dimension encrypted information and the second dimension encrypted information as enterprise encrypted information to the smart contract platform of the blockchain for evidence storage; wherein the first type of encryption algorithm used by the privacy protection platform when encrypting the first dimension privacy data is an elliptic encryption algorithm; and the second type of encryption algorithm used when encrypting the second dimension privacy data is an encryption algorithm based on zero-knowledge proof; The smart contract platform receives the credit application of the target enterprise, searches for matching enterprise encrypted information based on the credit application, and broadcasts it to multiple financial institutions in the blockchain network; and triggers each financial institution to: verify the second-dimensional encrypted information in the enterprise encrypted information based on the matching credit sub-contract in the locally deployed credit contract, and decrypt and verify the first-dimensional encrypted information in the enterprise encrypted information based on the decryption algorithm matching the first type of encryption algorithm. After the enterprise encrypted information is verified, the financial institution broadcasts the credit result, and the credit sub-contract is based on the credit result of the first financial institution received; and returns a credit approval notification to the target enterprise; and registers and allocates multiple different identity tags for the target enterprise based on DID technology. identification, and generating an asymmetric key for each identity identifier; wherein each identity identifier is uniquely identified by any of the multiple financial institutions; and, after the target enterprise obtains the credit license, the target enterprise is granted a credit operation in accordance with the preset credit policy corresponding to the financial institution that issued the credit license in the smart contract, wherein the credit operation includes at least some or all of the following: loans, financing, and advances; and the smart contracts are all written and tested in the solidity language using the online compilation tool Remix to write the smart contract algorithm code based on the credit evaluation standard designed by the target enterprise; and, after receiving the first credit license sent, the financial institution that issued the credit license is triggered to send a credit termination notice to other financial institutions.

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