Credit reporting method, credit reporting platform, data reporting platform and application

Abstract

A credit reporting method based on blockchain technology, a credit platform, a data production platform and a data reporting platform are all on the blockchain, including: the smart contract of the data production platform uploads the production system data to the blockchain; the visual module of the data reporting platform extracts, converts, organizes and preprocesses the production system data to obtain a credit report, which is uploaded to the blockchain through the smart contract; the smart contract of the credit platform verifies the credit report and gives a feedback report. Provide a consensus mechanism based on blockchain that cannot be tampered with, ensure that the reported message is synchronized with the actual business, and reduce the high difficulty and low efficiency of the current central bank credit management. Provide a visual no-code operation method based on blockchain, credit reporting enterprises do not need to develop and design codes repeatedly, and complete credit report generation through visual module configuration, which speeds up the central bank connection efficiency, reduces the message reporting cost, and ensures the stability and security of the credit data interaction process.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of information technology, and more particularly to a credit reporting method for code-free credit data docking between a people's bank credit investigation server and a client, a credit reporting platform, a data reporting platform, a data reporting method, a data reporting method, a credit reporting system, a credit reporting method, and a computer readable medium. BACKGROUND

[0002] In economic life, credit investigation data has an important influence on any enterprise. At present, the credit investigation data of various enterprises needs to be directly connected with the credit investigation system of the central bank. That is, each enterprise needs to report its own credit investigation data to the credit investigation system according to the requirements.

[0003] In the prior art, a specific data interface can be made to generate a credit report to report to the credit investigation system through the data interface, and to receive feedback information from the credit investigation system through the data interface, so as to realize data exchange and interaction with the credit investigation system.

[0004] However, the data interface usually needs to be designed and programmed by each enterprise, which requires high cost, and errors may occur in the programming process, so that the data interface program is unstable and cannot be efficiently and safely connected with the credit investigation system.

[0005] The central bank credit reporting specification also requires the reporting enterprise to regularly check the data with the credit investigation center to ensure data consistency, timely obtain and load feedback information from the credit investigation center, timely delete and correct credit information online, and correctly handle data deletion and correction business. SUMMARY

[0006] The inventor believes that there are three reasons for the difference between the reporting report generated by each financial institution and the actual “reporting data”: 1. Information asymmetry, leading to the inability to build a trust system 2. The process is not transparent, and there is a possibility of tampering 3. Offline two-end checking is difficult to efficiently, automatically and reliably execute, and the execution efficiency is low.

[0007] The inventor also believes that the current enterprise docking method required by the People's Bank of China is limited to repeated development of interface code, and there is an urgent need for low-code standardized modules. The credit data processing method and device provided by the present application can complete credit report generation through a visual module configuration and can parse feedback reports. There is no need for enterprises to design themselves, which reduces development costs, speeds up the docking efficiency of the central bank, reduces the cost of reporting messages, and at the same time ensures the stability and security of the credit data exchange process.

[0008] According to one aspect of the present application, a credit reporting method based on a blockchain technology is provided for reporting data produced by a data production platform to a credit reporting platform. The credit reporting platform, the data production platform and the data reporting platform are all on the blockchain. The three platforms interact through smart contracts. The credit reporting method comprises: the smart contract of the data production platform uploading production system data to the blockchain; the visualization module of the data reporting platform performing data extraction, conversion, organization and preprocessing on the production system data to obtain a credit reporting message, and uploading the credit reporting message to the blockchain through the smart contract; and the smart contract of the credit reporting platform verifying the credit reporting message based on the production system data and the credit reporting message on the blockchain, and giving a feedback message.

[0009] According to another aspect of the present application, a credit reporting platform based on a blockchain technology is provided for interacting with a data production platform and a data reporting platform through smart contracts. The smart contract of the credit reporting platform is operable to perform the following method: receiving production system data uploaded by the smart contract of the data production platform; receiving a credit reporting message uploaded by the smart contract of the data reporting platform; verifying the credit reporting message based on the production system data and the credit reporting message on the blockchain, giving a feedback message, and uploading the feedback message to the blockchain.

[0010] According to another aspect of the present application, a data reporting platform based on a blockchain technology is provided for interacting with a credit reporting platform and a data production platform through smart contracts. The smart contract of the data production platform uploads production system data to the blockchain. The visualization module of the data reporting platform is operable to perform the following interfacing method: displaying a graphical user interface for a client user to click on a corresponding icon according to a database platform type and / or a data type of the client user; based on the selection of the client user, performing data extraction and conversion from data provided by the client user according to credit reporting data requirements to obtain various credit reporting data items; providing a guide on the graphical user interface for the user to click on, and in response to the user clicking on, performing data organization and data preprocessing on the various credit reporting data items in the form of a process task to obtain a credit reporting message. The data processing process task interface further comprises a visualization navigation icon. The visualization navigation icon is used to indicate various steps of data processing process construction. The preprocessed credit reporting message is uploaded to the blockchain. Feedback information sent by the credit reporting platform to the blockchain is received. The feedback information is analyzed. The credit reporting message is corrected according to the analysis result. The corrected credit reporting message is uploaded to the blockchain.

[0011] Optionally, in the data reporting platform, the data organization in response to the user clicking on comprises: organizing the various credit reporting data items to generate information records, and encapsulating a batch of information records as one or more credit reporting messages.

[0012] Optionally, in the data reporting platform, the data extracted in the data extraction includes enterprise basic information, loan transaction information, financial statement information, collateral or pledge information, and guarantee transaction information.

[0013] Optionally, in the data reporting platform, the data preprocessing includes logical processing, completion of logical verification and format verification, encryption generation of a message, and setting of a task execution time.

[0014] Optionally, in the data reporting platform, if an error occurs in the preprocessing process, an error reporting reminder is given to the data processing flow according to the error information, and the data reporting platform re-performs data extraction.

[0015] Optionally, in the data reporting platform, the database platform type includes one of MySQL, ORACLE, DB2, Excel, CSV, and HDFS.

[0016] Optionally, in the data reporting platform, each flow has a flow ID, a flow state, a creator, and a scheduling time, for a user to query the progress according to the same.

[0017] Optionally, in the data reporting platform, the preprocessed credit investigation message is reported to the blockchain in an automatic uploading manner through an interface, including encrypting the credit investigation message and uploading the encrypted credit investigation message to the blockchain.

[0018] Optionally, in the data reporting platform, the unencrypted credit investigation message is locally queried and / or verified in the data reporting platform.

[0019] According to another aspect of the present application, a data reporting method performed by the data reporting platform includes displaying a graphical user interface for a client user to click on a corresponding icon according to a database platform type and / or a data type of the client user; based on the selection of the client user, performing data extraction and conversion on data provided by the client user according to credit investigation data requirements to obtain various credit investigation data items; providing a guide on the graphical user interface for the user to click on, and in response to the user clicking, organizing and preprocessing the various credit investigation data items in the form of a flow task to obtain a credit investigation message, the data processing flow task interface further including a visual navigation icon; the visual navigation icon is used to indicate each step of the data processing flow construction; uploading the preprocessed credit investigation message to the blockchain; receiving feedback information sent by a credit investigation platform to the blockchain, analyzing the feedback information, correcting the credit investigation message according to the analysis result, and uploading the corrected credit investigation message to the blockchain.

[0020] Optionally, in the data reporting method, the data organization in response to the user clicking includes generating information records from the various credit investigation data items, and encapsulating the batch information records as one or more credit investigation messages.

[0021] Optionally, in the data reporting method, the data extracted in the data extraction includes enterprise basic information, lending transaction information, financial statement information, mortgage or pledge information, and guarantee transaction information.

[0022] Optionally, in the data reporting method, the data preprocessing includes logical processing, format verification, encryption and message generation, and task execution time setting.

[0023] Optionally, in the data reporting method, if an error occurs in the preprocessing process, the data reporting platform re-performs data extraction.

[0024] Optionally, in the data reporting method, the database platform type includes one of MySQL, ORACLE, DB2, Excel, CSV, and HDFS.

[0025] Optionally, in the data reporting method, each process has a process ID, a process state, a creator, and a scheduling time, and the user can query the progress according to the process ID, the process state, the creator, and the scheduling time.

[0026] According to another aspect of the present application, a credit reporting system includes a credit platform, a data production platform, and a data reporting platform, the credit platform, the data production platform, and the data reporting platform are all on a blockchain, the three platforms interact through a smart contract, and the credit reporting system performs a credit reporting method including the following steps: the smart contract of the data production platform uploads production system data to the blockchain; the visual module of the data reporting platform performs data extraction, conversion, organization, and preprocessing on the production system data to obtain a credit report, and uploads the credit report to the blockchain through the smart contract; and the smart contract of the credit platform verifies the credit report based on the production system data and the credit report on the blockchain, and gives a feedback report.

[0027] According to another aspect of the present application, a credit reporting method performed by a credit platform based on blockchain technology is provided, the credit platform interacts with a data production platform and a data reporting platform through a smart contract, and the credit reporting method includes: receiving production system data uploaded by the smart contract of the data production platform; receiving a credit report uploaded by the smart contract of the data reporting platform; verifying the credit report based on the production system data and the credit report on the blockchain, giving a feedback report, and uploading the feedback report to the blockchain.

[0028] According to another aspect of the present application, a computer readable medium is provided, the memory stores computer executable code, and the code is operable to perform any of the above methods when executed by a processor.

[0029] Compared with the prior art, the technical scheme of the application provides a consensus mechanism based on a blockchain that is not tamperable, guarantees that the reported central bank message is synchronized with the actual business, and reduces the high difficulty and low efficiency of two-end checking in the current central bank credit management.

[0030] The scheme is a visual no-code credit connection scheme constructed in a distributed, open and tamper-proof blockchain technology, and provides a platform method that is strictly designed and developed according to the data collection requirements of the People's Bank of China credit system, and provides full-quantity transmission, no-code data collection and message generation, and feedback analysis and other credit connection requirements for credit connection.

[0031] 1. The credit agency multi-agent constructs an alliance chain, and is based on cryptography, automatic and trusted, and automatic mutual trust

[0032] 2. Multi-level transmission can be performed on the alliance chain, and the credit inspection effectiveness under the multi-level penetration of financial assets is enhanced

[0033] 3. The intelligent contract mechanism is introduced to exclude human factor interference, reduce tampering risk and reduce two-end checking difficulty

[0034] 4. Electronic, automatic and intelligent process processing greatly improves the efficiency of data flow

[0035] 5. The process is transparent, traceable and traceable, which greatly reduces the cost of supervision.

[0036] 6. Fully meet the data collection standards of the People's Bank of China, can extract data from multiple data sources, adapt to the needs of different enterprises, and facilitate enterprise access to the central bank credit system;

[0037] 7. The no-code way can quickly and efficiently connect credit data, and the system also has efficient data processing capability, which improves the efficiency of credit connection;

[0038] 8. It is suitable for various types of WEB servers and databases, and can flexibly configure various credit businesses, can adapt to the individualized business needs of different institutions, and has strong flexibility;

[0039] 9. The credit method does not need to be designed by the enterprise, which reduces the operating cost of the enterprise, and at the same time guarantees the stability and security of the credit data interaction process. BRIEF DESCRIPTION OF DRAWINGS

[0040] The above and other objects, features and advantages of the present application will become more apparent from the following detailed description when taken in conjunction with the accompanying drawings in which:

[0041] Figure 1 A schematic diagram of the organization structure of a credit reporting system according to an embodiment of the present application is shown.

[0042] Figure 2 A simplified schematic diagram of the composition structure of a consortium chain according to an embodiment of the present application is shown.

[0043] Figure 3 An interaction diagram of the People's Bank center and an interfacing agency according to an embodiment of the present application is shown, in which the internal architecture of the platform in the interfacing agency is specifically shown.

[0044] Figure 4 An intermediate interfacing service method for codeless credit data interfacing between the People's Bank credit server and the client according to an embodiment of the present application is shown.

[0045] Figure 5 A general flowchart of a credit reporting method 600 performed by a credit reporting platform based on blockchain technology according to another embodiment of the present application is shown.

[0046] Figure 6 A general flowchart of a credit reporting method 600 based on blockchain technology for reporting data produced by a data production platform to a credit reporting platform according to another embodiment of the present application is shown. DETAILED DESCRIPTION

[0047] In the following, example embodiments according to the present application will be described in detail with reference to the accompanying drawings. It is apparent that the described embodiments are only a part of the embodiments of the present application, and not all embodiments of the present application, and it should be understood that the present application is not limited by the example embodiments described herein.

[0048] Before being described in detail, the meanings of the terms used in the present application file are first given.

[0049] “Smart contract”, refers to a smart contract in the field of blockchain, a computer protocol designed to disseminate, verify or execute contracts in an informationized manner.

[0050] "Credit reporting platform": A computer platform responsible for managing corporate / individual credit reports issued by banks, and also managing institutions that report credit information, such as financial institutions. Banks include the People's Bank of China in China, sometimes referred to as the central bank below. In this article, it is sometimes instantiated as the central bank credit reporting system, the credit reporting center of the People's Bank of China, or the credit reporting management center of the People's Bank of China in the examples.

[0051] Data production platform: also known as business system, refers to the enterprise platform that needs to upload credit data to the credit reporting platform.

[0052] Consortium blockchain: A subclass of blockchain, a consortium blockchain is only for members of a specific group and a limited number of third parties. It designates multiple pre-selected nodes as ledger keepers, and the generation of each block is jointly determined by all the pre-selected nodes.

[0053] Data reporting platform: This is a platform that reports data from the data production platform to the credit reporting platform. The purpose of setting up the data reporting platform is to eliminate the need for each data production platform to design its own data interfaces and perform programming, as these tasks are handled by the data reporting platform.

[0054] Figure 1 This diagram illustrates the organizational structure of a credit reporting system according to an embodiment of the present invention. The People's Bank of China Credit Reference Center is an example of a credit reporting platform, the credit access institution production system is an example of a production platform, and the credit access institution message platform is an example of a data reporting platform. The People's Bank of China Credit Reference Center, the credit access institution production system, and the credit access institution message platform all execute interactive functions through their own smart contracts. The smart contract of the credit access institution production system uploads production system data to the blockchain. The smart contract of the credit access institution message platform extracts, transforms, organizes, and preprocesses production system data to obtain credit reporting messages, which are then uploaded to the blockchain. Specifically, for example, a user in the reporting system generates a message required by the central bank based on financial lending transaction information and visually configured reporting rules provided by the business system. This message is then sent to the central bank's credit reporting platform and production system on the blockchain via a reporting smart contract, and a reporting log is recorded in the ledger. The smart contract of the People's Bank of China Credit Reference Center verifies credit reports based on production system data and credit reports on the blockchain and provides feedback messages. Specifically, the smart contract of the People's Bank of China Credit Reference Center can verify the messages reported by the reporting system according to the verification rules based on the financial lending transaction information provided by the customer's business system, and send the results to the designated parties (People's Bank of China Credit Reference Management Platform, reporting enterprise production system, and reporting enterprise credit reporting platform). The smart contract completes the verification and notification functions at both ends in an automated manner, which is efficient, intelligent, and avoids interference from human factors; if an error is found, the message or message logic is modified in a timely manner and resubmitted.

[0055] There can also be smart contracts that automatically execute existing loans and new loans.

[0056] Figure 2 A simplified schematic diagram of the composition structure of a consortium blockchain according to an embodiment of the present invention is shown, wherein multiple docking mechanisms exist on the consortium blockchain. Figure 2 In the example shown, there is a People's Bank of China Credit Reference Center and multiple inter-agency entities, each of which contains a data production platform (…). Figure 3 The existing system shown) and the data reporting platform ( Figure 3 The reporting system shown. Figure 2 Its structure enables selective data and code, secure control of the hardware and software environment, and secure out-of-band point-to-point / point-to-multipoint message transmission, thereby achieving truly secure and private blockchain smart contract applications.

[0057] Figure 3 The diagram illustrates the interaction between the People's Bank of China central office and a connecting institution according to an embodiment of the present invention. Specifically, it shows the internal architecture of the platform within the connecting institution. The blockchain architecture is divided into a protocol stack, a platform layer, and an application layer. The application layer provides intelligent services and smart contracts to external systems. The intelligent services are smart contracts built into the platform, providing public services. Smart contracts are scenario-based blockchain applications. The platform layer provides blockchain system support functions, and the protocol stack covers the entire blockchain protocol stack.

[0058] Figure 3 The credit reporting platform shown interacts with the data production platform and the data reporting platform through smart contracts. The smart contracts of the credit reporting platform can operate to execute a method including the following steps: receiving production system data uploaded by the smart contract of the data production platform; receiving credit reporting messages uploaded by the smart contract of the data reporting platform; verifying the credit reporting messages based on the production system data and credit reporting messages on the blockchain, providing feedback messages, and uploading them to the blockchain.

[0059] As can be seen, the solution according to embodiments of the present invention provides a blockchain-based immutable consensus mechanism to ensure that the messages reported to the central bank are synchronized with actual business operations, reducing the high difficulty and low efficiency of end-to-end verification in the current central bank credit information management. The solution of embodiments of the present invention is a visual, no-code credit information integration solution built on distributed, open, and immutable blockchain technology. It provides a platform method designed and developed strictly according to the data collection requirements of the People's Bank of China's credit information system, providing full transmission, no-code solutions for data collection, message generation, and feedback parsing for credit information integration.

[0060] Figure 4 The overall flowchart of the credit reporting integration method executed by the data reporting platform based on blockchain technology is shown.

[0061] In step S410, a graphical user interface is displayed, allowing client users to click the corresponding icon based on their database platform type and / or data type.

[0062] The visual intermediary service system of this invention supports adaptation to different types of database platforms and connects to various types of enterprise databases through database association configuration, such as MySQL, ORACLE, DB2, Excel, CSV, and HDFS; for enterprises without databases, it also supports the conversion of spreadsheets into structured data.

[0063] In step S420, based on the client user's selection and according to the People's Bank of China's credit data requirements, data is extracted and transformed from the data provided by the client user to obtain various credit data items.

[0064] The visualization module of the data reporting platform in this embodiment of the invention guides users to configure database parameters to complete the acquisition of user data.

[0065] Specifically, data extraction is carried out according to the fields required by the central bank's credit reporting system through a visual guidance method. The data that can be extracted includes basic enterprise information, loan transaction information, financial statement information, collateral (pledge) information, guarantee transaction information, etc., forming a basic message database.

[0066] In step S430, a guide is provided on the graphical user interface for the user to click. In response to the user's click, the data of each credit data item is organized and preprocessed in a way that establishes a process task to obtain a credit report. The data processing process task interface also includes a visual navigation icon; the visual navigation icon is used to indicate each step of the data processing process construction.

[0067] Through data organization and preprocessing, the necessary content for the credit reporting system is extracted from the raw data and converted into the required data format and storage format.

[0068] In one example, responding to a user click to organize data includes: organizing the various credit data items to generate information records, and encapsulating the batch of information records into one or more credit messages.

[0069] Data preprocessing includes: logical processing, logical and format verification, compression and encryption to generate messages, and setting the task execution time. If an error occurs during preprocessing, the data processing flow will be alerted based on the error message, and the intermediate service system will re-extract the data.

[0070] Each process has a process ID, process status, creator, and scheduling time, which users can use to check the progress.

[0071] Specifically, message field editing can be accomplished by establishing workflow tasks. The processing flow uses standardized controls, and the target result is obtained by configuring the control content. Error alerts can be displayed in the editing environment through debugging functions. If errors occur during preprocessing, data needs to be extracted again or the credit report message needs to be reorganized until preprocessing is successful. Furthermore, task scheduling supports configuring execution time and customizing task processing trigger conditions. The task scheduling module performs logical processing on the credit report message, completes format verification, and encodes and encrypts it to generate the message, setting the task execution time—all without requiring any code. The encrypted file can be in, for example, an .enc format.

[0072] With the visualization guidance technology in this embodiment, different user companies only need to configure a few parameters to quickly obtain standard messages.

[0073] According to an embodiment of the present invention, the visualization module of the data reporting platform enables users to know the progress of the connection service through process query.

[0074] In step S440, the preprocessed credit report is uploaded to the blockchain.

[0075] In step S450, feedback information sent by the credit reporting platform to the blockchain is received, the feedback information is parsed, the credit reporting message is corrected according to the parsing result, and the corrected credit reporting message is uploaded to the blockchain.

[0076] Here, the feedback information may include various information related to the credit report stored in the credit reporting system, that is, the uploaded report corresponding to the credit report message. The uploaded report may include the entry information of the credit report message into the database, storage error information, etc. The data management system will parse the feedback information to obtain the uploaded report.

[0077] Figure 5 A general flowchart of a credit investigation method 500 executed by a blockchain-based credit investigation platform according to another embodiment of the present invention is shown. The credit investigation platform interacts with a data production platform and a data reporting platform through smart contracts. The credit investigation method includes: in step S510, receiving production system data uploaded by the smart contract of the data production platform; in step S520, receiving a credit investigation message uploaded by the smart contract of the data reporting platform; and in step S530, verifying the credit investigation message based on the production system data and the credit investigation message on the blockchain, providing a feedback message, and uploading it to the blockchain.

[0078] Figure 6A flowchart of a credit reporting method 500 based on blockchain technology, according to another embodiment of the present invention, is shown. This method involves reporting data produced by a data production platform to a credit reporting platform. The credit reporting platform, data production platform, and data reporting platform are all located on the blockchain. The three platforms interact through smart contracts. The credit reporting method includes: in step S510, the smart contract of the data production platform uploads production system data to the blockchain; in step S520, the visualization module of the data reporting platform extracts, transforms, organizes, and preprocesses the production system data in a visual manner to obtain a credit report, which is then uploaded to the blockchain via a smart contract; in step S530, the smart contract of the credit reporting platform verifies the credit report based on the production system data and the credit report on the blockchain and provides a feedback message.

[0079] Compared with existing technologies, the technical solution of this invention provides a blockchain-based immutable consensus mechanism to ensure that the reports submitted to the central bank are synchronized with actual business operations, thereby reducing the problems of high difficulty and low efficiency in the current central bank credit information management.

[0080] This solution is a visual, no-code credit reporting integration solution built on distributed, open, and tamper-proof blockchain technology. It provides a platform method designed and developed in strict accordance with the data collection requirements of the People's Bank of China's credit reporting system, offering full transmission, no-code solutions for data collection, message generation, and feedback parsing to meet the requirements of credit reporting integration.

[0081] 1. Credit reporting agencies and multiple stakeholders jointly construct a consortium blockchain based on cryptography, ensuring automatic trust and mutual confidence.

[0082] 2. Multi-level transfers can be performed on the consortium blockchain, enhancing the effectiveness of credit verification in situations where financial assets are subject to multi-level penetration.

[0083] 3. The introduction of smart contract mechanisms eliminates human interference, reduces the risk of tampering, and simplifies the verification process between the two parties.

[0084] 4. Electronic, automated, and intelligent process processing greatly improves the efficiency of data flow.

[0085] 5. The process is transparent, traceable, and retrospective, greatly reducing the cost of supervision.

[0086] 6. Fully meets the data collection standards of the People's Bank of China, can extract data from multiple data sources, adapts to the needs of different enterprises, and facilitates enterprises' access to the central bank's credit reporting system;

[0087] 7. The no-code approach enables fast and efficient integration with credit reporting data, and the system also has efficient data processing capabilities, which improves the efficiency of credit reporting integration.

[0088] 8. Applicable to various types of web servers and databases, and can be flexibly configured with various credit services, adapting to the personalized business needs of different institutions, and has strong flexibility;

[0089] 9. The credit investigation method does not require enterprises to design their own data interfaces, which reduces the operating costs of enterprises, while ensuring the stability and security of the credit data interaction process.

[0090] Exemplary computer program products and computer-readable storage media

[0091] In addition to the methods and apparatus described above, embodiments of the present invention may also be computer program products, which include computer program instructions that, when executed by a processor, cause the processor to perform the steps in the methods according to various embodiments of the present invention described in the "Exemplary Methods" section above.

[0092] The computer program product can be written in any combination of one or more programming languages ​​to perform the operations of the embodiments of the present invention. The programming languages ​​include object-oriented programming languages ​​such as Java and C++, as well as conventional procedural programming languages ​​such as C or similar languages. The program code can be executed entirely on the user's computing device, partially on the user's computing device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server.

[0093] Furthermore, embodiments of the present invention may also be computer-readable storage media storing computer program instructions thereon, which, when executed by a processor, cause the processor to perform the steps of the methods according to various embodiments of the present invention described in the "Exemplary Methods" section above.

[0094] The computer-readable storage medium may be any combination of one or more readable media. A readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of readable storage media (a non-exhaustive list) include: an electrical connection having one or more wires, a portable disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof.

[0095] The basic principles of the present invention have been described above with reference to specific embodiments. However, it should be noted that the advantages, benefits, and effects mentioned in the present invention are merely examples and not limitations, and should not be considered as essential features of each embodiment of the present invention. Furthermore, the specific details disclosed above are for illustrative and facilitative purposes only, and are not limitations. These details do not limit the present invention to the necessity of employing the aforementioned specific details.

[0096] The block diagrams of devices, apparatuses, devices, and systems involved in this invention are merely illustrative examples and are not intended to require or imply that they must be connected, arranged, or configured in the manner shown in the block diagrams. As those skilled in the art will recognize, these devices, apparatuses, devices, and systems can be connected, arranged, and configured in any manner. Words such as “comprising,” “including,” “having,” etc., are open-ended terms meaning “including but not limited to,” and are used interchangeably with them. The terms “or” and “and” as used herein refer to the terms “and / or,” and are used interchangeably with them unless the context clearly indicates otherwise. The term “such as” as used herein refers to the phrase “such as but not limited to,” and is used interchangeably with it.

[0097] It should also be noted that in the apparatus, device, and method of the present invention, the components or steps can be disassembled and / or recombined. These disassemblies and / or recombinations should be considered as equivalent solutions of the present invention.

[0098] The above description of the disclosed aspects is provided to enable any person skilled in the art to make or use the invention. Various modifications to these aspects will be readily apparent to those skilled in the art, and the general principles defined herein can be applied to other aspects without departing from the scope of the invention. Therefore, the invention is not intended to be limited to the aspects shown herein, but rather to be carried out within the widest scope consistent with the principles and novel features disclosed herein.

[0099] The above description has been given for purposes of illustration and description. Furthermore, this description is not intended to limit the embodiments of the invention to the forms disclosed herein. Although numerous exemplary aspects and embodiments have been discussed above, those skilled in the art will recognize certain variations, modifications, alterations, additions, and sub-combinations therein.

[0100] The various embodiments of the present invention have been described above. These descriptions are exemplary and not exhaustive, nor are they limited to the disclosed embodiments. Many modifications and variations will be apparent to those skilled in the art without departing from the scope and spirit of the described embodiments. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A credit reporting method based on blockchain technology for reporting data produced by a data production platform to a credit reporting platform, wherein the credit reporting platform, the data production platform, and the data reporting platform are all located on the blockchain, and the three platforms interact through smart contracts, wherein the credit reporting platform is the credit management platform of the People's Bank of China, and the credit reporting method includes: The smart contracts of the data production platform upload production system data to the blockchain; The visualization module of the data reporting platform extracts, transforms, organizes, and preprocesses production system data to obtain credit reports. These credit reports are then uploaded to the blockchain via smart contracts. The visualization module of the data reporting platform can be used to execute the following connection methods: Display a graphical user interface, allowing client users to click the corresponding icon based on their database platform type and / or data type; Based on the client user's selection and according to the credit data requirements, data is extracted and transformed from the data provided by the client user to obtain various credit data items; The graphical user interface provides guidance for users to click. In response to user clicks, the various credit data items are organized and preprocessed in a process task manner to obtain credit reports. The various credit data items are organized to generate information records, and batch information records are encapsulated into one or more credit reports. The data processing process task interface also includes visual navigation icons; the visual navigation icons are used to indicate the various steps of the data processing process construction. The pre-processed credit information message is uploaded to the blockchain via a smart contract; Each process has a process ID, process status, creator and scheduling time, which users can use to query the progress. The message fields are edited by creating process tasks. The process uses standardized controls, and the target result is obtained by configuring the control content. Errors are reported and alerted in the editing environment through the debugging function. If an error occurs during preprocessing, the data needs to be extracted again or the credit report needs to be reorganized until the preprocessing is successful. In addition, the task scheduling module supports configuring the execution time and customizing the task processing trigger conditions. The task scheduling module performs logical processing on the credit report messages, completes the format verification, and compresses and encrypts the messages to generate messages. The task execution time is set, and no code is required throughout the entire process. The smart contract of the credit reporting platform cross-validates the production system data and credit reporting messages on the blockchain, provides a report integrity check, generates a feedback message, and uploads it to the blockchain. The smart contract receives feedback messages sent to the blockchain by the credit reporting platform, parses the feedback messages, corrects the credit reporting messages based on the parsing results, and uploads the corrected credit reporting messages to the blockchain.

2. The credit reporting method according to claim 1, wherein the data extracted in the data extraction includes basic enterprise information, loan transaction information, financial statement information, mortgage or pledge information, and guarantee transaction information.

3. According to the credit reporting method of claim 1, if an error occurs during the preprocessing process, the data processing flow is alerted based on the error information, and the data reporting platform re-extracts the data.

4. The credit reporting method according to claim 1, wherein the database platform type includes one of MySQL, ORACLE, DB2, Excel, CSV, and HDFS.

5. The credit reporting method according to claim 1, wherein the preprocessed credit report is automatically uploaded to the blockchain via an interface, includes: The credit report is encrypted, and the encrypted credit report is uploaded to the blockchain.

6. The credit reporting method according to claim 1, wherein the unencrypted credit reporting message is queried and / or verified locally on the data reporting platform.

7. A computer-readable medium having computer-executable code stored thereon, said code being operable, when executed by a processor, to perform the method of any one of claims 1 to 6.

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