Project admission data processing method and system based on block chain

Abstract

The invention relates to the technical field of block chains, and discloses a block chain-based project access data processing system, which comprises a business management module, a data management module, a data processing module, a data tracing module, a decision adjustment module, a data verification module and a framework formulation module. The business management module is used for managing user change of personal loan, resource allocation and risk evaluation; the data management module is used for storing unhealthy assets existing in the personal loan and business data of the personal loan; and the data processing module is used for removing or correcting wrong, repeated or incomplete personal loan business data. According to the invention, the data processing module supplements and corrects the business data of the personal loan again according to the repeatability and incompleteness of the business data of the personal loan, so that the validity of the stored business data of the user can be ensured, and wrong risk assessment during personal loan is avoided.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and more specifically to a project access data processing method and system based on blockchain. Background Art

[0002] The asset project access management system is a system used to manage and control asset projects entering specific management processes, ensuring that asset projects meet the strategic goals, policies and standards of the organization. The system plays a vital role in enterprises, government agencies and other organizations, optimizing resource allocation, improving efficiency and reducing risks. The asset project access management system is an important tool for enterprise asset management. By standardizing the evaluation and approval process of asset projects, it helps organizations optimize resource allocation, reduce risks and improve efficiency.

[0003] The existing patent discloses a data processing method (publication number CN 110689435A), including constructing a transaction information group through a transport node, transmitting the transaction information group to a controller to initiate a cross-chain transaction, the transaction information group includes at least one transaction information, the transaction information includes the executor address information, the transport node transmits the transaction information to the executor according to the executor address information, and the executor performs a first legality judgment on the transaction information. In the technology disclosed in the patent, since the stored business data has a certain validity, after a long period of time without being updated and corrected, it will change the risk assessment that occurs when a personal loan is made, making the risk of the personal loan inaccurate. Summary of the invention

[0004] The main technical problem solved by the present invention is to provide a project access data processing method and system based on blockchain, which solves the problems in the above-mentioned background technology.

[0005] To solve the above technical problems, according to one aspect of the present invention, more specifically, a blockchain-based project access data processing system includes a business management module, a data management module, a data processing module, a data tracing module, a decision adjustment module, a data verification module, and a framework formulation module;

[0006] The business management module is used to manage user changes, resource allocation and risk assessment of personal loans;

[0007] The data management module is used to store the non-performing assets of personal loans and the business data of personal loans, and to perform security management on the stored data;

[0008] The data processing module is used to remove or correct erroneous, duplicate or incomplete personal loan business data and convert the data into a standardized data structure;

[0009] The data tracing module is used to track and verify the source, change history and flow path of data during the processing and use of personal loan business data;

[0010] The decision adjustment module adjusts the risk strategy for individual loans based on the credit status analyzed by the business data of the individual loans and the intervention of the framework formulation module;

[0011] The data verification module is used to verify the network nodes that each transaction in the blockchain passes through, and the verification process includes checking the signature of the transaction and the legitimacy of the data business;

[0012] The framework formulation module is used to set the personal loan range based on the data analyzed by the data processing module and the risk management made by the business management module.

[0013] Furthermore, the data management module specifically includes: a data storage module and a data security module;

[0014] The data storage module is used to store the user's personal loan business data, risk assessment data and personal asset registration data;

[0015] The data security module uses hash algorithm encryption technology to protect the privacy and integrity of user data, and through a consensus mechanism in the blockchain network, ensures that all nodes are consistent when accessing data in the data storage module.

[0016] Furthermore, the data verification module verifies whether the access scope of the data tracing module is legal, including the frequency of access to sensitive data, the interval time of access to sensitive data, and the number of unauthorized accesses, including:

[0017]

[0018] In the formula, H represents the probability of tracing the legitimacy of historical data, g represents the frequency of access to sensitive data by the data tracing module, t represents the average interval time for accessing sensitive data, and u represents the number of unauthorized data accesses in this task.

[0019] Furthermore, the data verification module performs security verification based on the request of the data tracing module and on the consistency, integrity and legality of the access scope of the tracing data, including:

[0020]

[0021] In the formula, C represents the probability that the traced data meets the data verification requirements, m represents the similarity between the traced data and the verification data, and s represents the missing rate of the traced data;

[0022] When C ≥ 80%, it means that the traceable data meets the requirements of data verification.

[0023] Furthermore, the business management module specifically includes: a user management module, an energy efficiency management module and a risk management module;

[0024] The user management module is used to verify and manage the user identity of personal loans;

[0025] The energy efficiency management module is used to allocate different risk assessment resources according to users with different credit levels, that is, the risk assessment speed of users with higher credit levels is faster;

[0026] The risk management module conducts risk assessment on users based on actual assessments by business personnel.

[0027] Furthermore, the data processing module re-supplements and corrects the business data of personal loans according to the duplication, incompleteness, and validity of the business data of personal loans, including:

[0028]

[0029] Where P represents the probability of the validity of personal loan business data, i represents the user's account number, y represents the repetition rate of the user's personal loan business data, a represents the missing rate of the user's personal loan business data, and T represents the time interval from the user's last loan;

[0030] When P i When ≤60%, it means that the personal loan business data of user i needs to be supplemented and corrected.

[0031] A processing method of a project access data processing system based on blockchain, comprising the following steps:

[0032] S 1. Perform business storage and risk assessment based on the user's loan records;

[0033] S2. Remove or correct erroneous, duplicate or incomplete personal loan business data of users;

[0034] S3. Use the data tracing module to verify the security and validity of the processed data, and feedback to the data management module after verification that it meets the requirements;

[0035] S4. The data tracing module will also feed back the traced data to the decision-making end to adjust the user's loan risk assessment.

[0036] Furthermore, in step S2, the risk braking module collects the processed data and adjusts the decision adjustment module in combination with the risk assessment.

[0037] The beneficial effects of the project access data processing method and system based on blockchain of the present invention are as follows:

[0038] 1. The present invention performs security verification on the consistency, integrity and legality of the access scope of the traceability data according to the request of the data tracing module through the data verification module, so as to ensure the security and legality of the access to the historical data of the user's personal loan business.

[0039] 2. The present invention uses a data processing module to re-supplement and correct the business data of personal loans according to the duplication and incompleteness of the personal loan business data, thereby ensuring the validity of the stored user business data and avoiding erroneous risk assessment when conducting personal loans. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The present invention is further described in detail below with reference to the accompanying drawings and specific implementation methods.

[0041] Figure 1 It is a schematic diagram of data processing in the present invention. DETAILED DESCRIPTION

[0042] The present invention will be described in detail below with reference to the accompanying drawings and in combination with embodiments. It should be noted that the embodiments and features in the embodiments of the present application can be combined with each other without conflict.

[0043] like Figure 1 As shown, according to one aspect of the present invention, a processing method of a project access data processing system based on blockchain is provided, comprising the following steps:

[0044] Step 1: Perform business storage and risk assessment based on the user's loan record.

[0045] Step 2: Remove or correct erroneous, duplicate or incomplete personal loan business data of the user; the risk braking module collects the processed data and adjusts the decision adjustment module in combination with the risk assessment.

[0046] Step 3: Use the data traceability module to verify the security and validity of the processed data, and feedback to the data management module after verification that it meets the requirements.

[0047] Step 4: The data tracing module will also feed back the traced data to the decision-making end to adjust the user's loan risk assessment.

[0048] A project access data processing system based on blockchain includes a business management module, a data management module, a data processing module, a data tracing module, a decision adjustment module, a data verification module and a framework formulation module; the business management module is used to manage user changes, resource allocation and risk evaluation of personal loans; the data management module is used to store the non-performing assets of personal loans and the business data of personal loans, and to perform security management on the stored data; the data processing module is used to remove or correct erroneous, repeated or incomplete personal loan business data, and convert the data into a standardized data structure; the data processing module re-supplements and corrects the business data of personal loans according to the repetitiveness and incompleteness of the personal loan business data, so as to ensure the validity of the stored user business data and avoid erroneous risk assessment when making personal loans.

[0049] The data tracing module is used to track and verify the source, change history and flow path of the data during the processing and use of personal loan business data; the decision adjustment module adjusts the risk strategy for personal loans based on the credit status analyzed by the personal loan business data and the intervention of the framework formulation module; the data verification module is used to verify the network nodes that each transaction in the blockchain passes through. The verification process includes checking the signature of the transaction and the legitimacy of the data business; the framework formulation module is used to set the personal loan scope based on the data analyzed by the data processing module and the risk management made by the business management module. The data verification module performs security verification based on the request of the data tracing module and the consistency, integrity and access scope of the traceable data, so as to ensure the security and legitimacy of the access to the historical data of the user's personal loan business.

[0050] Embodiment 1

[0051] In this embodiment, the data management module specifically includes: a data storage module and a data security module; the data storage module is used to store the user's personal loan business data, risk assessment data and personal asset registration data; the data security module uses hash algorithm encryption technology to protect the privacy and integrity of user data, and through the consensus mechanism in the blockchain network, ensures that all nodes have consistency when accessing the data in the data storage module; the data verification module verifies whether the access scope of the data tracing module is legal, including the frequency of access to sensitive data, the interval time of access to sensitive data, and the number of unauthorized accesses, including:

[0052]

[0053] In the formula, H represents the probability of tracing the legitimacy of historical data, g represents the frequency of access to sensitive data by the data tracing module, t represents the average interval time for accessing sensitive data, and u represents the number of unauthorized data accesses in this task.

[0054] The data verification module performs security verification based on the request of the data traceability module and the consistency, integrity and legality of the access scope of the traceability data, including:

[0055]

[0056] In the formula, C represents the probability that the traced data meets the data verification requirements, m represents the similarity between the traced data and the verification data, and s represents the missing rate of the traced data;

[0057] When C ≥ 80%, it means that the traceable data meets the requirements of data verification.

[0058] Among them, the data verification module takes the access frequency of the data tracing module to sensitive data as g = 17 (times / minute), the average interval time for sensitive data access is t = 12 (minutes), and the number of unauthorized data accesses in this task is u = 35, then:

[0059]

[0060] From the above calculation, we can know that the probability of tracing the legitimacy of historical data is H=66%.

[0061] Among them, the similarity between the traced data and the verification data is m=23%, and the missing rate of the traced data is s=7.2%, then:

[0062]

[0063] From the above calculations, we can see that the data traceability this time does not meet the requirements of data verification.

[0064] Embodiment 2

[0065] In this embodiment, the business management module specifically includes: a user management module, an energy efficiency management module and a risk management module; the user management module is used to verify and manage the user identity of personal loans; the energy efficiency management module is used to allocate different risk assessment resources according to users with different credit levels, that is, the risk assessment speed of users with higher credit levels is faster; the risk management module conducts risk assessment on users based on the actual assessment of business personnel. The data processing module re-supplements and corrects the business data of personal loans based on the duplication, incompleteness, and validity of the personal loan business data, including:

[0066]

[0067] Where P represents the probability of the validity of personal loan business data, i represents the user's account number, y represents the repetition rate of the user's personal loan business data, a represents the missing rate of the user's personal loan business data, and T represents the time interval from the user's last loan;

[0068] When P i When ≤60%, it means that the personal loan business data of user i needs to be supplemented and corrected.

[0069] Among them, when judging the probability of the validity of the personal loan business data of user 3, the repetition rate of the personal loan business data of user 3 is y=75% (the repetition rate indicates the repetitiveness of the amount range of personal loans taken by the user every quarter), the missing rate of the personal loan business data of user 3 is a=31% (the missing rate indicates the probability that the user has interrupted or closed the personal loan business), and the time interval from the last loan of user 3 is T=2.6 (months), then:

[0070]

[0071] From the above calculation, it can be known that the data of user No. 3 who does not need to conduct personal loan business needs to be supplemented and corrected.

[0072] Of course, the above description is not a limitation of the present invention, and the present invention is not limited to the above examples. Changes, modifications, additions or substitutions made by ordinary technicians in this technical field within the essential scope of the present invention also fall within the protection scope of the present invention.

Claims

1. A project access data processing system based on blockchain, characterized in that: It includes business management module, data management module, data processing module, data tracing module, decision adjustment module, data verification module and framework formulation module; The business management module is used to manage user changes, resource allocation and risk assessment of personal loans; The data management module is used to store the non-performing assets of personal loans and the business data of personal loans, and to perform security management on the stored data; The data processing module is used to remove or correct erroneous, duplicate or incomplete personal loan business data and convert the data into a standardized data structure; The data tracing module is used to track and verify the source, change history and flow path of data during the processing and use of personal loan business data; The decision adjustment module adjusts the risk strategy for individual loans based on the credit status analyzed by the business data of the individual loans and the intervention of the framework formulation module; The data verification module is used to verify the network nodes that each transaction in the blockchain passes through, and the verification process includes checking the signature of the transaction and the legitimacy of the data business; The framework formulation module is used to set the personal loan range based on the data analyzed by the data processing module and the risk management made by the business management module.

2. The project access data processing system based on blockchain according to claim 1, characterized in that: The data management module specifically includes: a data storage module and a data security module; The data storage module is used to store the user's personal loan business data, risk assessment data and personal asset registration data; The data security module uses hash algorithm encryption technology to protect the privacy and integrity of user data, and through a consensus mechanism in the blockchain network, ensures that all nodes are consistent when accessing data in the data storage module.

3. The project access data processing system based on blockchain according to claim 1, characterized in that: The data verification module verifies whether the access scope of the data tracing module is legal, including the access frequency to sensitive data, the interval time to sensitive data access, and the number of unauthorized accesses, including: In the formula, H represents the probability of tracing the legitimacy of historical data, g represents the frequency of access to sensitive data by the data tracing module, t represents the average interval time for accessing sensitive data, and u represents the number of unauthorized data accesses in this task.

4. The project access data processing system based on blockchain according to claim 3 is characterized in that: The data verification module performs security verification based on the request of the data tracing module and on the consistency, integrity and legality of the access scope of the tracing data, including: In the formula, C represents the probability that the traced data meets the data verification requirements, m represents the similarity between the traced data and the verification data, and s represents the missing rate of the traced data; when C ≥ 80%, it means that the traced data meets the data verification requirements.

5. The project access data processing system based on blockchain according to claim 1, characterized in that: The business management module specifically includes: a user management module, an energy efficiency management module and a risk management module; The user management module is used to verify and manage the user identity of personal loans; The energy efficiency management module is used to allocate different risk assessment resources according to users with different credit levels, that is, the risk assessment speed of users with higher credit levels is faster; The risk management module conducts risk assessment on users based on actual assessments by business personnel.

6. The project access data processing system based on blockchain according to claim 1, characterized in that: The data processing module re-supplements and corrects the business data of personal loans according to the duplication, incompleteness, and validity of the business data of personal loans, including: Where P represents the probability of the validity of personal loan business data, i represents the user's account number, y represents the duplication rate of the user's personal loan business data, a represents the missing rate of the user's personal loan business data, and T represents the time interval from the user's last loan; When P i When ≤60%, it means that the personal loan business data of user i needs to be supplemented and corrected.

7. A processing method for a blockchain-based project access data processing system according to any one of claims 1 to 6, characterized in that: The following steps are involved: S1. Perform business storage and risk assessment based on the user's loan records; S2. Remove or correct erroneous, duplicate or incomplete personal loan business data of users; S3. Use the data tracing module to verify the security and validity of the processed data, and feedback to the data management module after verification that it meets the requirements; S4. The data tracing module will also feed back the traced data to the decision-making end to adjust the user's loan risk assessment.

8. The processing method of the project access data processing system based on blockchain according to claim 7 is characterized in that: In step S2, the risk braking module collects the processed data and adjusts the decision adjustment module in combination with the risk assessment.

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