Credit Information Sharing Method, Device, Computer Equipment, and Storage Medium

Abstract

The present application relates to a credit information sharing method, apparatus, computer device, storage medium, and computer program product. The method includes: obtaining an audit result corresponding to a credit rating change application of a shared object identifier; the credit rating change application includes change information; based on the audit result, obtaining confirmed change information corresponding to the credit rating change application that has passed the audit, packaging the confirmed change information into a target block, and updating a shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for shared nodes participating in credit information sharing to verify the credit information of the shared object identifier; based on the confirmed change information, updating the credit rating of the shared object identifier corresponding to the confirmed change information in a target database; the target database is used for the shared nodes to query the credit information of the shared object identifier. Using this method can improve the accuracy of shared credit information.

Description

Technical Field

[0001] The present application relates to the field of computer technologies, and particularly to a method, apparatus, computer device, storage medium, and computer program product for sharing credit information. Background Art

[0002] With the development of Internet technologies, more and more institutions providing credit information queries have shared the credit information of individuals or enterprises, improving the efficiency of obtaining the credit information of individuals or enterprises.

[0003] In traditional technologies, each institution providing credit information queries separately stores the credit information of individuals or enterprises it owns, and each institution providing credit information queries realizes the sharing of credit information by opening corresponding query interfaces. However, currently, the method of sharing credit information has the problem that the shared credit information is inaccurate. Summary of the Invention

[0004] Based on this, it is necessary to provide a method, apparatus, computer device, computer-readable storage medium, and computer program product for sharing credit information that can improve the accuracy rate of shared credit information for the above technical problems.

[0005] In a first aspect, the present application provides a method for sharing credit information. The method includes:

[0006] Obtaining an audit result corresponding to a credit rating change application for a shared object identifier; the credit rating change application includes change information;

[0007] Based on the audit result, obtaining confirmed change information corresponding to the credit rating change application that has passed the audit, packaging the confirmed change information into a target block, and updating the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for shared nodes participating in credit information sharing to verify the credit information of the shared object identifier;

[0008] Based on the confirmed change information, updating the credit rating of the shared object identifier corresponding to the confirmed change information in the target database; the target database is used for the shared nodes to query the credit information of the shared object identifier.

[0009] In one embodiment, the updating the shared blockchain based on the target block to obtain a target blockchain further includes:

[0010] Broadcasting the target block to the shared nodes; the shared nodes obtain the target block and connect the target block to the shared blockchain stored in the shared nodes to obtain the target blockchain corresponding to the shared nodes.

[0011] In one embodiment, the audit result corresponding to the credit rating change application for obtaining the shared object identifier includes:

[0012] Obtain the credit rating change application of the shared object identifier through the sharing node in the shared node; the sharing node is a node with the function of obtaining and saving the credit rating change application;

[0013] Save the credit rating change application in the first database through the sharing node;

[0014] Based on preset conditions, obtain the credit rating change application from the first database, and generate the audit information corresponding to the credit rating change application based on the credit rating change application;

[0015] Based on the audit information, obtain the audit result of the credit rating change application corresponding to the audit information.

[0016] In one embodiment, the credit rating change application includes change proof materials; the credit information sharing method includes:

[0017] Based on the audit result, obtain the confirmed change proof materials corresponding to the credit rating change application that has passed the audit;

[0018] Encrypt the confirmed change proof materials to obtain encrypted change proof materials and the keys corresponding to the encrypted change proof materials;

[0019] Save the encrypted change proof materials in the second database; the second database is used to verify the first information to be verified sent by the shared node.

[0020] In one embodiment, the change information contains the proof material hash value corresponding to the change proof materials; the credit information sharing method further includes:

[0021] Obtain the first information to be verified sent by the verification shared node;

[0022] Based on the key, obtain the change proof materials corresponding to the first object to be verified in the first information to be verified from the second database, and generate the first hash value corresponding to the change proof materials;

[0023] Obtain the proof material hash value in the change information corresponding to the first object to be verified from the target blockchain, compare the first hash value with the proof material hash value, and if the first hash value is the same as the proof material hash value, determine that the change proof materials are usable change proof materials;

[0024] Verify the first piece of information to be verified based on the provable change materials to obtain a first verification result corresponding to the first piece of information to be verified, and send the first verification result to the verification sharing node.

[0025] In one embodiment, the credit information sharing method further includes:

[0026] Obtain information to be queried; the information to be queried includes an identifier of an object to be queried;

[0027] Obtain the credit rating corresponding to the identifier of the object to be queried from the target database.

[0028] In one embodiment, the credit information sharing method further includes:

[0029] Obtain information to be verified; the information to be verified includes an identifier of an object to be verified and a credit rating to be verified corresponding to the identifier of the object to be verified;

[0030] Obtain change information corresponding to the identifier of the object to be verified from the target blockchain corresponding to the sharing node;

[0031] Verify the credit rating to be verified based on the reference credit rating in the change information to obtain a verification result corresponding to the information to be verified.

[0032] In a second aspect, the present application further provides a credit information sharing device. The device includes:

[0033] An acquisition module, configured to acquire an audit result corresponding to a credit rating change application of a shared object identifier; the credit rating change application includes change information;

[0034] An update module, configured to obtain confirmed change information corresponding to the credit rating change application that has passed the audit based on the audit result, package the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used by the sharing nodes participating in credit information sharing to verify the credit information of the shared object identifier;

[0035] A storage module, configured to update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database based on the confirmed change information; the target database is used by the sharing nodes to query the credit information of the shared object identifier.

[0036] In a third aspect, the present application further provides a computer device. The computer device includes a memory and a processor, the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0037] Obtain the review result corresponding to the credit rating change application for the shared object identifier; the credit rating change application includes change information;

[0038] Based on the review result, obtain the confirmed change information corresponding to the credit rating change application that has passed the review, package the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used by shared nodes participating in credit information sharing to verify the credit information of the shared object identifier;

[0039] Based on the confirmed change information, update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database; the target database is used by the shared nodes to query the credit information of the shared object identifier.

[0040] Fourthly, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, and when the computer program is executed by a processor, the following steps are implemented:

[0041] Obtain the review result corresponding to the credit rating change application for the shared object identifier; the credit rating change application includes change information;

[0042] Based on the review result, obtain the confirmed change information corresponding to the credit rating change application that has passed the review, package the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used by shared nodes participating in credit information sharing to verify the credit information of the shared object identifier;

[0043] Based on the confirmed change information, update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database; the target database is used by the shared nodes to query the credit information of the shared object identifier.

[0044] The above credit information sharing method, device, computer equipment, storage medium and computer program product obtain the review result corresponding to the credit rating change application of the shared object identifier, obtain the confirmed change information corresponding to the approved credit rating change application based on the review result, package the confirmed change information into a target block, update the shared blockchain based on the target block to obtain the target blockchain, and then update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database based on the confirmed change information. The credit rating change application needs to be reviewed, which improves the accuracy of the credit information included in the credit rating change application; the confirmed change information in the approved credit rating change application is packaged into a target block, and then the target block is connected to the shared blockchain to obtain the target blockchain. First, the confirmed change information is reviewed, which ensures the accuracy of the confirmed change information. Second, the confirmed change information is stored in the target blockchain to prevent the stored confirmed change information from being tampered with, which improves the accuracy rate of the shared change information; the credit rating of the shared object identifier in the target database is updated based on the confirmed change information, which improves the accuracy rate of the shared credit rating. Brief Description of the Drawings

[0045] Figure 1 FIG. is an application environment diagram of the credit information sharing method in an embodiment;

[0046] Figure 2 FIG. is a flowchart of the credit information sharing method in an embodiment;

[0047] Figure 3 FIG. is a flowchart of the review result obtaining step in an embodiment;

[0048] Figure 4 FIG. is a flowchart of the credit information verification step in an embodiment;

[0049] Figure 5 FIG. is a structural block diagram of the credit information sharing architecture in an embodiment;

[0050] Figure 6 FIG. is a schematic diagram of the change information in an embodiment;

[0051] Figure 7 FIG. is a schematic diagram of the node and storage space in an embodiment;

[0052] Figure 8 FIG. is a structural block diagram of the credit information sharing device in an embodiment;

[0053] Figure 9 FIG. is an internal structural diagram of the computer equipment in an embodiment. Detailed Embodiments

[0054] In order to make the objectives, technical solutions and advantages of the present application more clear and understandable, the present application will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application.

[0055] The credit information sharing method provided by the embodiments of the present application can be applied to an application environment as Figure 1 shown. Among them, the terminal 102 communicates with the server 104 through a network. The data storage system can store the data that the server 104 needs to process. The data storage system can be integrated on the server 104, or can be placed in the cloud or other network servers. Both the terminal and the server can be used alone to execute the credit information sharing method provided in the embodiments of the present application. The terminal and the server can also be used in cooperation to execute the credit information sharing method provided in the embodiments of the present application. For example, the computer device obtains the review result corresponding to the credit rating change application of the shared object identifier, then obtains the confirmation change information corresponding to the credit rating change application that has passed the review, packs the confirmation change information into a target block, updates the shared blockchain based on the target block to obtain the target blockchain, and then updates the credit rating of the shared object identifier corresponding to the confirmation change information in the target database based on the confirmation change information. Among them, the terminal 102 can be, but is not limited to, various personal computers, laptop computers, smart phones, tablet computers, Internet of Things devices, and portable wearable devices. The Internet of Things devices can be smart speakers, smart TVs, smart air conditioners, smart in-vehicle devices, etc. The portable wearable devices can be smart watches, smart bracelets, head-mounted devices, etc. The server 104 can be implemented by an independent server or a server cluster composed of multiple servers.

[0056] In one embodiment, as Figure 2 shown, a credit information sharing method is provided. This method can be applied to a computer device. The computer device can be a terminal or a server, and can be executed alone by the terminal or the server itself, or can be implemented through the interaction between the terminal and the server. This embodiment takes the application of this method to a computer device as an example for description, including steps 202 to 206.

[0057] Step 202, obtain the review result corresponding to the credit rating change application of the shared object identifier; the credit rating change application includes change information.

[0058] Among them, the shared object identifier refers to a string that corresponds one-to-one with the shared object. The shared object refers to the subject of the shared credit information, which can be an individual or an enterprise. The shared object identifier can be a string representing the shared object, such as the name, number, etc. of the shared object. For example, the name of an individual, the ID card number, the name of an enterprise, and the registration number. The shared object identifier can be composed of one or more of letters, numbers, symbols, etc. The credit rating refers to the rating representing the credit of an individual or an enterprise, which is determined based on the credit activities of the individual or the enterprise. For example, the credit rating of an individual is divided into 11 credit ratings from -1 to 10. -1 represents that the corresponding user is a new user without referenceable credit information. The higher the credit rating between 0 and 10, the better the credit of the corresponding user. The credit rating change application refers to the application for changing the credit information of an individual or an enterprise. The credit rating change application includes, but is not limited to, information such as the basic information of the change object, the change information, and the change certification materials. The audit result refers to the result obtained by auditing the credit rating change application. The audit result can include two audit results: passed and failed, and can also be divided according to the actual situation. The change information refers to the information related to the change of credit information. The change information includes, but is not limited to, the basic information, the credit rating change information, and the hash value of the change certification materials. The basic information includes, but is not limited to, the change time, the name of the change object, and the ID (Identity document) of the change object. The credit rating change information includes, but is not limited to, the number of credit rating changes, the credit rating change application node, the public key of the credit rating change application node, the credit rating before the application for change, and the credit rating after the application for change.

[0059] Exemplarily, the computer device obtains the audit result corresponding to the credit rating change application of the shared object identifier, where the credit rating change application corresponding to the shared object identifier includes change information.

[0060] Step 204, based on the audit result, obtain the confirmed change information corresponding to the credit rating change application that has passed the audit, package the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for the shared nodes participating in the credit information sharing to verify the credit information of the shared object identifier.

[0061] Among them, a block refers to a data structure in computer storage. Essentially, it is a string of code that stores the confirmed change information. A blockchain refers to a chain composed of one block after another. Each block stores certain information, and they are connected into a chain in the order of their respective generation times. A shared node refers to an object participating in the credit information sharing. A shared node can refer to a server participating in the credit information sharing, or an organization or institution participating in the credit information sharing. Credit information refers to various types of information legally collected to provide services for activities such as finance and used to identify and judge the credit status of enterprises and individuals.

[0062] Exemplarily, the computer device obtains the confirmation change information corresponding to the credit rating change application that has passed the review, packs the confirmation change information into a target block, and then connects the target block to the shared blockchain to obtain the target blockchain. The shared nodes participating in the credit information sharing can obtain the confirmation change information corresponding to the shared object identifier from the target blockchain and use the confirmation change information to verify the credit information corresponding to the shared object identifier.

[0063] In one embodiment, the computer device obtains the confirmation change information corresponding to the credit rating change application that has passed the review from the target application library. The target application library is a common database in which each sharing node in the shared node stores the credit rating change application. Each sharing node has the permission to write the credit rating change application into the target database, but does not have the permission to read and modify the credit rating change application in the target data.

[0064] In one embodiment, the computer device obtains the confirmation change information corresponding to the credit rating change application that has passed the review from multiple sharing databases respectively. The multiple sharing databases correspond to each sharing node in the shared node respectively. Each sharing node stores the obtained credit rating change application in the sharing database corresponding to the sharing node.

[0065] Step 206: Update the credit rating of the shared object identifier corresponding to the confirmation change information in the target database based on the confirmation change information; the target database is used by the shared node to query the credit information of the shared object identifier.

[0066] Among them, the target database refers to a database used to store the correspondence between the shared object identifier and the credit rating corresponding to the shared object identifier. The target database can be a storage space in a server, a hard disk, or the cloud, etc.

[0067] Exemplarily, the computer device updates the credit rating of the corresponding shared object identifier in the target data according to the confirmation change information. The shared node can obtain the credit rating corresponding to the target object identifier from the target database.

[0068] In one embodiment, the target database stores the credit information corresponding to the shared object identifier, and the credit information includes credit rating, number of credit rating changes, credit rating before change, and other credit information. The computer device updates the credit information of the shared object identifier corresponding to the confirmation change information in the target data based on the confirmation change information.

[0069] In one embodiment, the credit information sharing method includes at least three types of nodes, namely, regulatory nodes, sharing nodes, and using nodes. The regulatory nodes review the credit rating change applications for the shared object identifiers, obtain the review results corresponding to the credit rating change applications, package the confirmed change information passed in the review into target blocks, broadcast the target blocks to the sharing nodes and the using nodes, update the credit rating corresponding to the target object identifier in the target data based on the confirmed change information, etc. For example, ABC Bank, relevant financial regulatory agencies, or the ABC Bank server, relevant financial regulatory agency servers; the sharing nodes obtain the credit rating change applications for the shared object identifiers, for example, each bank or each bank server; the using nodes query the confirmed change information corresponding to the sharing object identifier in the target blockchain and query the credit rating corresponding to the target object identifier in the target database, for example, institutions or institution servers that need credit information.

[0070] In the above credit information sharing method, the review results corresponding to the credit rating change applications for the shared object identifiers are obtained, the confirmed change information corresponding to the credit rating change applications passed in the review is obtained based on the review results, the confirmed change information is packaged into target blocks, the shared blockchain is updated based on the target blocks to obtain the target blockchain, and then the credit rating corresponding to the shared object identifier in the target database is updated based on the confirmed change information. The credit rating change applications need to be reviewed, which improves the accuracy of the credit information included in the credit rating change applications; the confirmed change information in the credit rating change applications passed in the review is packaged into target blocks, and then the target blocks are connected to the shared blockchain to obtain the target blockchain. First, the confirmed change information is reviewed, ensuring the accuracy of the confirmed change information. Second, the confirmed change information is saved in the target blockchain, preventing the saved confirmed change information from being tampered with, and improving the accuracy rate of the shared change information; the credit rating corresponding to the shared object identifier in the target database is updated based on the confirmed change information, improving the accuracy rate of the shared credit rating.

[0071] In one embodiment, updating the shared blockchain based on the target blocks to obtain the target blockchain further includes:

[0072] Broadcasting the target blocks to the shared nodes; the shared nodes obtain the target blocks and connect the target blocks to the shared blockchain saved in the shared nodes to obtain the target blockchain corresponding to the shared nodes.

[0073] Exemplarily, the computer device broadcasts the target blocks to the shared nodes, the sharing nodes obtain the target blocks, and then connect the target blocks to the shared blockchain saved by the sharing nodes to obtain the target blockchain corresponding to the shared nodes.

[0074] In this embodiment, the target block is broadcast to shared nodes. The shared nodes obtain the target block and save it, realizing the sharing of credit information between the nodes that broadcast the target block and the shared nodes. The blockchain is used to save the credit information in the block, avoiding the tampering of the saved information and improving the accuracy of the shared credit information.

[0075] In one embodiment, as Figure 3 shown, obtaining the review result corresponding to the credit rating change application of the shared object identifier includes:

[0076] Step 302, obtain the credit rating change application of the shared object identifier through the sharing nodes in the shared nodes; the sharing nodes are nodes with the function of obtaining and saving credit rating change applications.

[0077] Among them, the sharing node refers to the node that provides the credit information corresponding to the shared object identifier. The sharing nodes can be one or more. The sharing nodes share credit information by providing credit rating change applications.

[0078] Exemplarily, the computer device obtains the credit rating change application of the shared object identifier through the sharing nodes in the shared nodes. Among them, the sharing nodes have the function of obtaining and saving credit information rating change applications.

[0079] Step 304, save the credit rating change application in the first database through the sharing nodes.

[0080] Among them, the first database refers to a database used to save the credit rating change applications obtained by the sharing nodes. Multiple credit rating change applications obtained by the sharing nodes are saved in the first database.

[0081] Exemplarily, the computer device saves the credit rating change application in the first database through the sharing nodes.

[0082] In one embodiment, the sharing node obtains the credit rating change application corresponding to the shared object identifier. The credit rating change application includes change information and change certification materials. The sharing node encrypts the change certification materials to obtain the encrypted change certification materials and the corresponding encryption secret key, then saves the change information and the encrypted change certification materials in the first database, and sends the encryption secret key to the computer device, and the computer device obtains the encryption secret key.

[0083] Step 306, based on preset conditions, obtain the credit rating change application from the first database, and generate the review information corresponding to the credit rating change application based on the credit rating change application.

[0084] Among them, the preset condition refers to a pre-set condition. The preset condition can be that the number of credit rating change applications in the first database reaches a preset number, or it can be every preset time period, etc. For example, the number of credit rating change applications in the first database reaches 10, or every 2 days. The review information refers to the information used by the reviewer to review the credit rating change application. The review information includes, but is not limited to, the application node, the application object identifier, and the application time. It can be understood as the item to be reviewed presented on the terminal.

[0085] Exemplarily, the computer device obtains the credit rating change application from the first database and generates the review information corresponding to the credit rating change application according to the credit rating change application.

[0086] In one embodiment, the computer device also generates a review prompt message based on the credit rating change application, and then sends the review prompt message to the reviewer corresponding to the credit rating change application.

[0087] Step 308, based on the review information, obtain the review result of the credit rating change application corresponding to the review information.

[0088] Exemplarily, the computer device obtains the review result corresponding to the credit rating change application based on the review information.

[0089] In one embodiment, the computer device presents the review information through the terminal. The reviewer reviews the credit rating change application based on the review information. The reviewer inputs the review result through the terminal, and the computer device obtains the review result corresponding to the credit rating change application.

[0090] In this embodiment, the credit rating change application is obtained from the first database, the review information is generated based on the credit rating change application, the review result of the credit rating change application is obtained based on the review information, and by reviewing the credit rating change application, the accuracy of the credit information in the credit rating change application is improved.

[0091] In one embodiment, the credit rating change application includes change certification materials, and the credit information sharing method further includes:

[0092] Based on the review result, obtain the confirmed change certification materials corresponding to the credit rating change applications that have passed the review; encrypt the confirmed change certification materials to obtain the encrypted change certification materials and the keys corresponding to the encrypted change certification materials; save the encrypted change certification materials in the second database; the second database is used to verify the first information to be verified sent by the sharing node.

[0093] Among them, encryption refers to the process of changing the original information data with a certain special algorithm to obtain encrypted information data. A key is a parameter input in an algorithm that converts plaintext into ciphertext or ciphertext into plaintext. The first information to be verified is a message sent by a shared node to verify the shared credit information. It can be understood that the shared node verifies the credit information to be verified based on the change information in the target blockchain, and still has doubts about the credit information to be verified, and sends a message to further verify the credit information to be verified.

[0094] Exemplarily, the computer device obtains the confirmation change proof material corresponding to the credit rating change application that has passed the review, and then encrypts the confirmation change proof material to obtain the encrypted change proof material and the key corresponding to the encrypted change proof material, and saves the encrypted change proof material in the second database. Among them, the second database is used to verify the first information to be verified sent by the shared node.

[0095] In this embodiment, the confirmation change proof material corresponding to the credit rating change application that has passed the review is encrypted, and the encrypted change proof material is saved to prevent the shared node from obtaining the change proof material, ensuring the privacy of the change proof material. Moreover, the credit information in the first information to be verified sent by the shared node can be verified based on the change proof material in the second database, improving the accuracy of the shared credit information obtained by the shared node.

[0096] In one embodiment, as Figure 4 shown, the change information includes the proof material hash value corresponding to the change proof material, and the credit information sharing method further includes:

[0097] Step 402, obtain and verify the first information to be verified sent by the shared node.

[0098] Exemplarily, the computer device obtains the first information to be verified sent by the shared node.

[0099] Step 404, based on the key, obtain the change proof material corresponding to the first object to be verified in the first information to be verified from the second database, and generate the first hash value corresponding to the change proof material.

[0100] Among them, the hash value refers to the numerical value obtained by performing a logical operation on the content in the file. Different files perform logical operations to obtain different hash values, and the hash value can be used to verify whether the content in the file has been modified.

[0101] Exemplarily, the computer device obtains the first object identifier to be verified from the first information to be verified, then obtains the encrypted change proof material corresponding to the first object identifier to be verified from the second data, and then decrypts the encrypted change proof material using the secret key to obtain the change proof material corresponding to the first object identifier to be verified, and performs corresponding logical operations on the content in the change proof material to obtain the first hash value corresponding to the change proof material.

[0102] Step 406: Obtain the hash value of the proof material in the change information corresponding to the first object identifier to be verified from the target blockchain, compare the first hash value with the hash value of the proof material. If the first hash value is the same as the hash value of the proof material, determine that the change proof material is a usable change proof material.

[0103] Exemplarily, the computer device obtains the change information corresponding to the first object identifier to be verified from the target blockchain, then obtains the hash value of the proof material from the above change information, and then compares the first hash value with the hash value of the proof material. If the first hash value is the same as the hash value of the proof material, determine that the change proof material is a usable change proof material. If the first hash value is different from the hash value of the proof material, the change proof material is modified and determined to be an unusable change proof material.

[0104] Step 408: Verify the first information to be verified based on the usable change proof material to obtain the first verification result corresponding to the first information to be verified, and send the first verification result to the verification sharing node.

[0105] Wherein, the first verification result refers to the result obtained by verifying the first information to be verified.

[0106] Exemplarily, the computer device verifies the first information to be verified according to the information in the usable change proof material to obtain the first verification result corresponding to the first information to be verified, and then sends the first verification result to the verification sharing node.

[0107] In one embodiment, the computer device presents the usable change proof material to the reviewer through the terminal. The reviewer verifies the first information to be verified according to the usable change proof material, inputs the first verification result through the terminal, and the computer device obtains the first verification result corresponding to the first information to be verified and sends the first verification result to the verification sharing node.

[0108] In this embodiment, the computer device obtains the first information to be verified sent by the sharing node, then obtains the change proof material corresponding to the first information to be verified from the second database, and verifies the first information to be verified based on the change proof material, improving the accuracy of the credit information obtained by the verification node.

[0109] In one embodiment, the credit information sharing method further includes:

[0110] Obtain information to be queried; the information to be queried includes an identifier of an object to be queried; obtain the credit rating corresponding to the identifier of the object to be queried from the target database.

[0111] Wherein, the query information refers to a message for querying the user's credit rating.

[0112] Exemplarily, the computer device obtains the information to be queried including the identifier of the object to be queried, and then obtains the credit rating corresponding to the identifier of the object to be queried from the target database.

[0113] In one embodiment, any sharing node obtains the information to be queried including the identifier of the object to be queried, and then obtains the credit rating corresponding to the identifier of the object to be queried from the target database.

[0114] In this embodiment, by obtaining the credit rating corresponding to the identifier of the object to be queried from the target database, the sharing of the credit rating among the sharing nodes is realized through the target database, and the obtaining efficiency of the credit rating corresponding to the identifier of the object to be queried is improved.

[0115] In one embodiment, the credit information sharing method further includes:

[0116] Obtain information to be verified; the information to be verified includes an identifier of an object to be verified and the credit rating to be verified corresponding to the identifier of the object to be verified; obtain the change information corresponding to the identifier of the object to be verified from the target blockchain corresponding to the sharing node; verify the credit rating to be verified based on the reference credit rating in the change information to obtain the verification result corresponding to the information to be verified.

[0117] Wherein, the information to be verified refers to a message for verifying the user's credit rating.

[0118] Exemplarily, the computer device obtains the information to be verified including the identifier of the object to be verified and the credit rating to be verified corresponding to the identifier of the object to be verified, then obtains the change information corresponding to the identifier of the object to be verified from the target blockchain corresponding to the sharing node, and then verifies the credit rating to be verified based on the reference credit rating in the change information to obtain the verification result corresponding to the information to be verified.

[0119] In one embodiment, any sharing node obtains the information to be verified including the identifier of the object to be verified and the credit rating to be verified corresponding to the identifier of the object to be verified, then obtains the change information corresponding to the identifier of the object to be verified from the target blockchain corresponding to the sharing node, and then verifies the credit rating to be verified based on the reference credit rating in the change information to obtain the verification result corresponding to the information to be verified.

[0120] In this embodiment, the change information corresponding to the object identifier to be verified is obtained from the target blockchain, and then the credit level to be verified is verified based on the reference credit level in the change information, improving the acquisition efficiency of the verification result corresponding to the information to be verified.

[0121] In an exemplary embodiment, the credit information sharing is implemented through the architecture as Figure 5 shown. The credit information sharing platform includes an application layer, a smart contract layer, and a blockchain data storage layer. The credit sharing platform is deployed on each server participating in the credit information sharing. The credit information sharing platform includes a credit information upload and sharing module and a credit information query module.

[0122] The participating objects in the credit information sharing include the auditing object, the sharing object, and the using object. The auditing object can be the People's Bank of China and relevant financial regulatory agencies at all levels. The sharing objects can be various banks and other financial institutions. The using objects can be organizations or institutions that need to query the credit level. The nodes participating in the credit information sharing include auditing nodes, sharing nodes, and using nodes. The auditing nodes are the servers used by the auditing objects, the sharing nodes are the servers used by the sharing objects, and the using nodes are the servers used by the using objects. The storage spaces participating in the credit information sharing include a shared blockchain, a target database, a first database, and a second database. The shared blockchain is used to store the change information, such as Figure 6 shown. The target database is used to store the credit level corresponding to the user. The first database is used to store the credit level change application. The second database is used to store the change certification materials of the user. The corresponding relationship between each node and each storage space is as Figure 7 shown.

[0123] Obtain and save the credit level change application. One or more sharing nodes obtain the credit level change application corresponding to the user identifier through the credit information sharing platform. The credit level change application includes change information and change certification materials. The change certification materials are used as the basis for the regulatory node to judge whether the credit level change application is reasonable. The change certification materials include the basic information of the user, the credit level change information, the credit level evaluation algorithm, and the result calculated using the credit level evaluation algorithm. Then, the sharing nodes that obtain the credit level change application respectively save the credit level change application in the first database.

[0124] Obtain the review result. The review node fetches all credit rating change applications from the first database at regular intervals, deletes all the credit rating change applications in the first database, then converts the credit rating change applications into review information, presents it to the reviewers through the credit information sharing platform deployed by the review node, and generates corresponding review prompt information, sending the review prompt information to the reviewers. The reviewers review the credit rating change applications based on the review information and input the review result corresponding to the credit rating change application after the review is completed.

[0125] Share the change information. The review node obtains the review result, then obtains the confirmed change information corresponding to the credit rating change application that has passed the review, packages the confirmed change information into a target block, and then connects the target block to the shared blockchain corresponding to the review node to obtain the target blockchain corresponding to the review node. At the same time, the review node broadcasts the target block to the sharing node and the using node. The sharing node and the using node obtain the target block. The sharing node connects the target block to the shared blockchain stored by the sharing node to obtain the target blockchain corresponding to the sharing node. The using node connects the target block to the shared blockchain stored by the using node to obtain the target blockchain corresponding to the using node.

[0126] Share the credit rating and save the change certification materials. The review node updates the credit rating of the corresponding shared object identifier in the target data according to the confirmed change information. The review node obtains the confirmed change certification materials corresponding to the credit rating change application that has passed the review, then encrypts the confirmed change certification materials to obtain the encrypted change certification materials and the key corresponding to the encrypted change certification materials, and saves the encrypted change certification materials in the second database.

[0127] Query the credit information. Any one or more of the review node, the sharing node, and the using node obtain the information to be queried including the object identifier to be queried, and then obtain the credit rating corresponding to the object identifier to be queried from the target database.

[0128] Verify the credit information. Any one or more of the review node, the sharing node, and the using node obtain the information to be verified including the object identifier to be verified and the credit rating to be verified corresponding to the object identifier to be verified, then obtain the change information corresponding to the object identifier to be verified from the target blockchain corresponding to the shared node, and then verify the credit rating to be verified based on the reference credit rating in the change information to obtain the verification result corresponding to the information to be verified.

[0129] Further verify the credit information. Any verification sharing node in the sharing node or the using node sends the first information to be verified to the auditing node. The auditing node obtains the first information to be verified sent by the verification sharing node, obtains the first object identifier to be verified from the first information to be verified, then obtains the encrypted change certification material corresponding to the first object identifier to be verified from the second data, and then decrypts the encrypted change certification material using the secret key to obtain the change certification material corresponding to the first object identifier to be verified. Perform corresponding logical operations on the content in the change certification material to obtain the first hash value corresponding to the change certification material. Obtain the change information corresponding to the first object identifier to be verified from the target blockchain, then obtain the certification material hash value from the above change information, and then compare the first hash value with the certification material hash value. If the first hash value is the same as the certification material hash value, determine that the change certification material is a usable change certification material. If the first hash value is different from the certification material hash value, the change certification material is modified and determined to be an unusable change certification material. Verify the first information to be verified based on the information in the usable change certification material to obtain the first verification result corresponding to the first information to be verified, and then send the first verification result to the verification sharing node.

[0130] In this embodiment, obtain the audit result corresponding to the credit rating change application of the shared object identifier, obtain the confirmed change information corresponding to the credit rating change application that has passed the audit based on the audit result, package the confirmed change information into a target block, update the shared blockchain based on the target block to obtain the target blockchain, and then update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database based on the confirmed change information. The credit rating change application needs to be audited, which improves the accuracy of the credit information included in the credit rating change application; package the confirmed change information in the credit rating change application that has passed the audit into a target block, and then connect the target block to the shared blockchain to obtain the target blockchain. First, the confirmed change information has been audited, ensuring the accuracy of the confirmed change information. Second, save the confirmed change information in the target blockchain to prevent the saved confirmed change information from being tampered with, improving the accuracy rate of the shared change information; update the credit rating of the shared object identifier in the target database based on the confirmed change information, improving the accuracy rate of the shared credit rating.

[0131] It should be understood that although the steps in the flowcharts involved in the above-described embodiments are sequentially shown as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless there is a clear indication in this article, there is no strict order restriction for the execution of these steps, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-described embodiments may include multiple steps or multiple stages. These steps or stages are not necessarily executed at the same moment, but can be executed at different moments. The execution order of these steps or stages is not necessarily sequential, but can be executed alternately or in turn with at least a part of other steps or steps or stages in other steps.

[0132] Based on the same inventive concept, an embodiment of the present application further provides a credit information sharing device for implementing the above-mentioned credit information sharing method. The solution provided by the device for solving the problem is similar to the solution described in the above method. Therefore, the specific limitations in one or more embodiments of the credit information sharing device provided below can refer to the limitations on the credit information sharing method in the above text, and will not be repeated here.

[0133] In one embodiment, as Figure 8 shown, a credit information sharing device is provided, including: an acquisition module 802, an update module 804, and a storage module 806, where:

[0134] The acquisition module 802 is configured to acquire an audit result corresponding to a credit rating change application for a shared object identifier; the credit rating change application includes change information;

[0135] The update module 804 is configured to, based on the audit result, acquire confirmed change information corresponding to the credit rating change application that has passed the audit, package the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for shared nodes participating in credit information sharing to verify the credit information of the shared object identifier.

[0136] The storage module 806 is configured to update the credit rating of the shared object identifier corresponding to the confirmed change information in the target database based on the confirmed change information; the target database is used for shared nodes to query the credit information of the shared object identifier.

[0137] In one embodiment, the update module 804 is further configured to: broadcast the target block to the shared nodes; the shared nodes acquire the target block and connect the target block to the shared blockchain stored in the shared nodes to obtain a target blockchain corresponding to the shared nodes.

[0138] In one embodiment, the obtaining module 802 is further configured to: obtain a credit rating change application of a shared object identifier through a sharing node in a shared node; the sharing node is a node with the function of obtaining and saving a credit rating change application; save the credit rating change application in a first database through the sharing node; based on a preset condition, obtain the credit rating change application from the first database, and generate review information corresponding to the credit rating change application based on the credit rating change application; based on the review information, obtain a review result of the credit rating change application corresponding to the review information.

[0139] In one embodiment, the saving module 806 is further configured to: based on the review result, obtain a confirmation change proof material corresponding to the credit rating change application that has passed the review; encrypt the confirmation change proof material to obtain an encrypted change proof material and a key corresponding to the encrypted change proof material; save the encrypted change proof material in a second database; the second database is used to verify the first information to be verified sent by the shared node.

[0140] In one embodiment, the credit information sharing device further includes a first verification module, and the first verification module is configured to: obtain and verify the first information to be verified sent by the shared node; based on the key, obtain a change proof material corresponding to the first object identifier to be verified in the first information to be verified from the second database, and generate a first hash value corresponding to the change proof material; obtain a proof material hash value in the change information corresponding to the first object identifier to be verified from the target blockchain, compare the first hash value with the proof material hash value, and if the first hash value is the same as the proof material hash value, determine that the change proof material is a usable change proof material; verify the first information to be verified based on the usable change proof material to obtain a first verification result corresponding to the first information to be verified, and send the first verification result to the verification shared node.

[0141] In one embodiment, the credit information sharing device further includes a query module, and the query module is configured to: obtain information to be queried; the information to be queried includes an object identifier to be queried; obtain the credit rating corresponding to the object identifier to be queried from the target database.

[0142] In one embodiment, the credit information sharing device further includes a second verification module, and the second verification module is configured to: obtain information to be verified; the information to be verified includes an object identifier to be verified and a credit rating to be verified corresponding to the object identifier to be verified; obtain change information corresponding to the object identifier to be verified from the target blockchain corresponding to the shared node; verify the credit rating to be verified based on the reference credit rating in the change information to obtain a verification result corresponding to the information to be verified.

[0143] Each module in the above credit information sharing device can be implemented in whole or in part by software, hardware, or a combination thereof. Each of the above modules can be embedded in or independent of a processor in a computer device in the form of hardware, or stored in a memory in the computer device in the form of software, so that the processor can call and execute the operations corresponding to each of the above modules.

[0144] In one embodiment, a computer device is provided. The computer device can be a terminal, and its internal structure diagram can be as Figure 9 shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit, and an input device. Among them, the processor, the memory, and the input / output interface are connected through a system bus, and the communication interface, the display unit, and the input device are connected to the system bus through the input / output interface. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and external devices. The communication interface of the computer device is used to communicate with external terminals in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, NFC (Near Field Communication), or other technologies. The computer program, when executed by the processor, implements a credit information sharing method. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device, or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen. The input device of the computer device can be a touch layer covered on the display screen, or a button, a trackball, or a touchpad provided on the outer shell of the computer device, or an external keyboard, touchpad, or mouse, etc.

[0145] Those skilled in the art can understand that Figure 9 the structure shown in

[0146] is only a block diagram of some structures related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine some components, or have a different component layout.

[0147] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above method embodiments are implemented.

[0148] In one embodiment, a computer program product is provided, including a computer program which, when executed by a processor, implements the steps in the above method embodiments.

[0149] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties.

[0150] Those of ordinary skill in the art can understand that all or part of the processes in the above method embodiments can be completed by instructing relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the above method embodiments. Among them, any reference to a memory, database, or other medium used in the embodiments provided in this application can include at least one of non-volatile and volatile memories. Non-volatile memories can include read-only memory (ROM), magnetic tapes, floppy disks, flash memories, optical memories, high-density embedded non-volatile memories, resistive random access memories (ReRAMs), magnetoresistive random access memories (MRAMs), ferroelectric random access memories (FRAMs), phase change memories (PCMs), graphene memories, etc. Volatile memories can include random access memory (RAM) or external cache memories, etc. By way of illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM), etc. The databases involved in the embodiments provided in this application can include at least one of relational databases and non-relational databases. Non-relational databases can include distributed databases based on blockchain, etc., without limitation. The processors involved in the embodiments provided in this application can be general-purpose processors, central processors, graphics processors, digital signal processors, programmable logics, data processing logics based on quantum computing, etc., without limitation.

[0151] The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity of description, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, it should be considered as the scope described in this specification.

[0152] The above-described embodiments merely represent several implementation manners of the present application. The description thereof is relatively specific and detailed, but it should not be construed as a limitation on the scope of the patent of the present application. It should be noted that for those of ordinary skill in the art, without departing from the concept of the present application, several modifications and improvements can still be made, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the appended claims.

Claims

1. A credit information sharing method, characterized in that, The method includes: Obtaining an audit result corresponding to a credit rating change application for a shared object identifier; the credit rating change application includes change information; Based on the audit result, obtaining confirmed change information corresponding to the credit rating change application that has passed the audit, packaging the confirmed change information into a target block, and updating the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for shared nodes participating in credit information sharing to verify the credit information of the shared object identifier; Based on the confirmed change information, updating the credit rating of the shared object identifier corresponding to the confirmed change information in the target database; the target database is used for the shared nodes to query the credit information of the shared object identifier.

2. The method according to claim 1, characterized in that, The updating the shared blockchain based on the target block to obtain a target blockchain further includes: Broadcasting the target block to the shared nodes; the shared nodes obtain the target block and connect the target block to the shared blockchain stored in the shared nodes to obtain the target blockchain corresponding to the shared nodes.

3. The method according to claim 1, characterized in that The obtaining an audit result corresponding to a credit rating change application for a shared object identifier includes: Obtaining a credit rating change application for a shared object identifier through a sharing node in the shared nodes; the sharing node is a node with the function of obtaining and storing credit rating change applications; Saving the credit rating change application in a first database through the sharing node; Based on preset conditions, obtaining the credit rating change application from the first database, and generating audit information corresponding to the credit rating change application based on the credit rating change application; Based on the audit information, obtaining the audit result of the credit rating change application corresponding to the audit information.

4. The method according to claim 1, characterized in that, The credit rating change application includes change certification materials; the method includes: Based on the audit result, obtaining confirmed change certification materials corresponding to the credit rating change application that has passed the audit; Encrypting the confirmed change certification materials to obtain encrypted change certification materials and keys corresponding to the encrypted change certification materials; Saving the encrypted change certification materials in a second database; the second database is used to verify the first piece of information to be verified sent by the shared nodes.

5. The method according to claim 4, wherein The change information contains a certification material hash value corresponding to the change certification materials; the method further includes: Obtaining the first piece of information to be verified sent by a verification shared node; Based on the key, obtaining the change certification materials corresponding to the first object to be verified in the first piece of information to be verified from the second database, and generating a first hash value corresponding to the change certification materials; Obtaining the certification material hash value in the change information corresponding to the first object to be verified from the target blockchain, comparing the first hash value with the certification material hash value, and if the first hash value is the same as the certification material hash value, determining that the change certification materials are usable change certification materials; Verifying the first piece of information to be verified based on the usable change certification materials to obtain a first verification result corresponding to the first piece of information to be verified, and sending the first verification result to the verification shared node.

6. The method according to claim 1, characterized in that The method further includes: Obtaining information to be queried; the information to be queried includes an identifier of an object to be queried; Obtaining the credit rating corresponding to the identifier of the object to be queried from the target database.

7. The method according to claim 1, characterized in that The method further includes: Obtaining information to be verified; the information to be verified includes an identifier of an object to be verified and the credit rating to be verified corresponding to the identifier of the object to be verified; Obtaining the change information corresponding to the identifier of the object to be verified from the target blockchain corresponding to the shared node; Verifying the credit rating to be verified based on the reference credit rating in the change information to obtain the verification result corresponding to the information to be verified.

8. A credit information sharing device, characterized in that, The apparatus includes: An obtaining module, configured to obtain an audit result corresponding to a credit rating change application of a shared object identifier; the credit rating change application includes change information; An updating module, configured to obtain, based on the audit result, the confirmed change information corresponding to the credit rating change application that has passed the audit, pack the confirmed change information into a target block, and update the shared blockchain based on the target block to obtain a target blockchain; the target blockchain is used for a shared node participating in credit information sharing to verify the credit information of the shared object identifier A saving module, configured to update, based on the confirmed change information, the credit rating of the shared object identifier corresponding to the confirmed change information in the target database; the target database is used for the shared node to query the credit information of the shared object identifier.

9. A computer device, comprising a memory and a processor, the memory storing a computer program, characterized in that, When the processor executes the computer program, the steps of the method according to any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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