Credit data management method based on block chain technology

Abstract

The invention relates to the field of credit data management, in particular to a credit data management method based on a block chain technology. The method comprises the following steps: establishing a credit and loan management block chain, inputting credit and loan data into the credit and loan management block chain, and generating an on-chain identity label; obtaining a user data volume, selecting a user mode through the user data volume, and executing a self-matching mode flow through the user mode to obtain a matching result; according to the matching result and the credit data, processing the user data by means of a credit management block chain, and updating the credit management block chain; analyzing a matching result to obtain a missing rate; and dynamically managing the credit management block chain through the missing rate to obtain a dynamic management mechanism, and managing the credit management block chain through the dynamic management mechanism. The credit data management capability can be improved.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of credit data management, and particularly relates to a credit data management method based on a blockchain technology. BACKGROUND

[0002] Credit data management is one of the core links in the modern financial service system, involving various types of data such as borrower identity information, credit assessment, loan contract, transaction record, and repayment behavior. Currently, most credit businesses rely on a centralized data management architecture, with financial institutions or Internet platforms responsible for data collection, storage, evaluation, and supervision.

[0003] In recent years, blockchain technology has become an important technical breakthrough in the field of FinTech due to its characteristics such as decentralization, non-tamperability, traceability, encrypted transmission, and smart contract execution. In the context of credit data management, the introduction of blockchain can provide reliable support for data authenticity verification, access control, credit assessment data sharing, and compliance supervision.

[0004] Chinese Patent No. CN116630032A discloses an intelligent post-loan management system based on a blockchain. The system establishes an independent blockchain for post-loan management and uploads the credit user to the blockchain when a user of a credit business appears. The system identifies the user data, credit data, and credit approval data of the user during the credit process to create a node for the user on the blockchain based on the identification results. This ensures that the degree of refinement of post-loan user and data management is improved and the difficulty of evaluation is reduced, providing a good foundation. After uploading the user data, credit data, and credit approval data of the user to the blockchain, the system obtains and analyzes the account dynamic information of the user's bank account to achieve precise monitoring of the post-loan user.

[0005] The application is used to overcome the problem of insufficient management refinement of post-loan users and their data in the prior art, which leads to difficulty and low efficiency in subsequent evaluation of credit users by financial institutions, and provides an intelligent post-loan management system based on a blockchain, which realizes accurate monitoring of post-loan users. The specific implementation is as follows: an upper chain request module is used to receive a user's upper chain request and determine a target chain corresponding to the upper chain request based on the upper chain request; a data identification module connected with the upper chain request module is used to identify user data of the user, credit data of the user and credit approval data of the user when the target chain corresponding to the upper chain request is determined to be completed; a node creation module connected with the upper chain request module and the data identification module respectively is used to create a target node of the user on the target chain according to the identification result of the data identification module; an account association module connected with the node creation module is used to associate the target node with a bank account corresponding to the user to determine account dynamic information of the bank account; a node management module connected with the data identification module, the node creation module and the account association module respectively is used to store the user data, the credit data and the credit approval data in the target node after being encrypted when the target node is created by the node creation module, and store the account dynamic information in the target node; the intelligent post-loan management system of the application has the following advantages: improving data management accuracy, enhancing risk control capability, improving evaluation efficiency, optimizing resource allocation, and enhancing data credibility and security.

[0006] In the prior art, the above-mentioned application has the following disadvantages: unable to adapt to users in different risk states; system performance bottleneck, low blockchain processing efficiency; high risk of user privacy leakage, difficult to meet compliance requirements; credit data dependent on off-chain system, realibility difficult to guarantee; contract execution logic is fixed, difficult to upgrade or dynamically adjust; supervision and audit are difficult to penetrate, and the risk control process lacks transparency, which are the problems we need to solve. SUMMARY

[0007] The application aims to solve the problems in the background art and provides a credit data management method based on blockchain technology.

[0008] The technical solution of the application is a credit data management method based on blockchain technology, which comprises:

[0009] A credit management blockchain is established, credit data is entered into the credit management blockchain, and an on-chain identity is generated;

[0010] The amount of user data is obtained, the user mode is selected through the amount of user data, the self-matching mode process is executed through the user mode, and the matching result is obtained;

[0011] According to the matching result and the credit data, the user data is processed by means of the credit management blockchain, and the credit management blockchain is updated;

[0012] The matching result is analyzed to obtain a missing rate, the credit management blockchain is dynamically managed through the missing rate, a dynamic management mechanism is obtained, and the credit management blockchain is managed through the dynamic management mechanism.

[0013] Preferably, the process of establishing the credit management blockchain comprises:

[0014] The credit management blockchain is established, and a plurality of management nodes are arranged in the credit management blockchain; the management nodes comprise financial institution nodes, supervision nodes and credit platform nodes;

[0015] The credit data is obtained; the credit data comprises credit user data and financial institution data; the credit user data comprises user basic information and credit record data; the user basic information comprises user information and flow behavior data; the credit record data comprises credit data, credit performance record, credit score and credit interaction record; the financial institution data comprises borrower credit data, loan record data, audit record and data access record.

[0016] Preferably, the process of establishing the credit management blockchain further comprises:

[0017] In combination with the credit management blockchain, a credit data management contract set is created; the credit data management contract set comprises a user on-chain contract, an identification scheduling contract and a data access control contract;

[0018] The credit data structure standard is set; the credit data structure standard comprises a user identity structure, a credit data format and an identification log field;

[0019] The data synchronization mechanism is established, and the data synchronization mechanism comprises off-chain data collection, data verification processing, data uploading to the blockchain and on-chain data returning to the off-chain platform;

[0020] In combination with the credit data management contract set, the credit data structure standard and the data synchronization mechanism, the credit management blockchain is perfected.

[0021] Preferably, the process of entering the credit data into the credit management blockchain to generate an on-chain identity identifier is:

[0022] The credit user data is entered into the credit platform node, the borrower credit data and the loan record data are entered into the financial institution node, and the audit record and the data access record are entered into the supervision node;

[0023] When the user participates in credit for the first time, the user information is generated on-chain identity; the user information is processed through a hash value and recorded in the blockchain.

[0024] Preferably, the process of obtaining the user data amount, selecting the user mode through the user data amount, comprises:

[0025] Obtaining the user data amount, the user data amount comprising record data amount and update data amount;

[0026] Setting a preset selection standard; the preset selection standard comprising user basic information, latest credit score, latest flow behavior record and credit interaction record;

[0027] Evaluating the data integrity through the ratio of the actual data amount of the user data amount and the minimum data standard amount of the preset selection standard;

[0028] Setting a data integrity threshold, if the data integrity is greater than or equal to the data integrity threshold, the user data is identified to use the user mode one; if the data integrity is less than the data integrity threshold, the user data is identified to use the user mode two.

[0029] Preferably, the process of executing the self-matching mode flow through the user mode, obtaining the matching result, comprises:

[0030] Executing the self-matching mode flow through the user mode, when the user data is identified to enter the user mode one, the risk assessment result is quickly generated based on the user data;

[0031] When the user data is identified to enter the user mode two, the debt repayment and timeliness of the user data is identified, the repayment history record of the user is identified in units of years, the repayment timeliness value is calculated, the repayment reference value is set, if the repayment timeliness value is greater than or equal to the repayment reference value, the user data is continuously identified, if the repayment timeliness value is less than the repayment reference value, the user risk score is generated, the risk assessment result and the user risk score are recorded as the matching result.

[0032] Preferably, the process of processing the user data through the credit management blockchain according to the matching result and the credit data, updating the credit management blockchain, comprises:

[0033] Encrypting the user data corresponding to the matching result through the credit data management contract set; obtaining the credit data hash digest, the audit record hash digest and the public key address;

[0034] Structuring the above data and storing the data into the credit management blockchain on-chain according to the on-chain identity and the identification result, updating the credit management blockchain.

[0035] Preferably, the matching results are analyzed to obtain a missing rate; the credit management blockchain is dynamically managed through the missing rate to obtain a dynamic management mechanism, and the process of managing the credit management blockchain through the dynamic management mechanism includes:

[0036] Identify the percentage of missing characters in user data in the matching results and obtain the missing rate;

[0037] Set the missing threshold lower limit and missing threshold upper limit;

[0038] If the missing rate is less than or equal to the missing threshold lower limit, the credit management blockchain will be subject to dynamic management mechanism 1;

[0039] If the missing rate is greater than the missing threshold lower limit and less than the missing threshold upper limit, the second dynamic management mechanism will be implemented on the credit management blockchain;

[0040] If the missing rate is greater than or equal to the missing threshold upper limit, the dynamic management mechanism three will be implemented on the credit management blockchain.

[0041] Compared with the existing technology, the above technical solution of the present invention has the following beneficial technical effects: establishing a credit management blockchain, entering credit data into the credit management blockchain, and generating an on-chain identity; writing credit data into the credit management blockchain and generating an on-chain identity for the user, is to provide basic support for the realization of trusted evidence of credit data, trusted anchoring of user identity, and intelligent and controllable credit process, thereby comprehensively improving the security, transparency and refined management capabilities of the credit system; building an intelligent credit management blockchain system to provide reliable infrastructure and institutional guarantees for the security management, risk identification, authority control and compliance audit of credit data; obtaining user data volume, selecting user mode based on user data volume, executing the self-matching mode process through the user mode, and obtaining matching results; introducing multi-user mode to improve the accuracy and precision of recognition. ; Support dynamic adjustment of identification strategies to ensure differentiated management of users with different risks; realize intelligent, personalized and refined data management; based on matching results and credit data, use the credit management blockchain to process user data and update the credit management blockchain; write and update the results of the credit matching and identification process in real time to the credit management blockchain to achieve trusted management of user data, dynamic risk control, automatic execution of credit processes and multi-party collaborative sharing; analyze the matching results to obtain the missing rate; dynamically manage the credit management blockchain through the missing rate, obtain a dynamic management mechanism, and manage the credit management blockchain through the dynamic management mechanism; by analyzing the missing rate in the data matching results, establish a dynamic management mechanism driven by data quality, thereby realizing intelligent, adaptive and efficient management of the credit management blockchain. BRIEF DESCRIPTION OF THE DRAWINGS

[0042] Figure 1 A schematic diagram of an embodiment of the present application. DETAILED DESCRIPTION

[0043] As Figure 1 shown, a credit data management method based on blockchain technology is provided, which comprises the following steps:

[0044] S100, a credit management blockchain is established, credit data is entered into the credit management blockchain, and an on-chain identity is generated;

[0045] S200, the amount of user data is obtained, a user mode is selected through the amount of user data, a self-matching mode process is performed through the user mode, and a matching result is obtained;

[0046] S300, according to the matching result and the credit data, the user data is processed by means of the credit management blockchain, and the credit management blockchain is updated;

[0047] S400, the matching result is analyzed to obtain a missing rate, the credit management blockchain is dynamically managed through the missing rate to obtain a dynamic management mechanism, and the credit management blockchain is managed through the dynamic management mechanism.

[0048] In an optional embodiment, the S100 comprises:

[0049] S110, a credit management blockchain is established, and a plurality of management nodes are set in the credit management blockchain; the management nodes comprise financial institution nodes, supervision nodes, and credit platform nodes;

[0050] Specifically, the financial institution nodes are used for uploading and storing credit data, updating borrower repayment records, and recording post-loan behaviors; the supervision nodes are used for monitoring the compliance of the post-loan process and can quickly query loan records and borrower behaviors; the credit platform nodes are used for associating multiple financial institution nodes and uniformly managing the post-loan platform;

[0051] S120, credit data is obtained; the credit data comprises credit user data and financial institution data; the credit user data comprises user basic information and credit record data; the user basic information comprises user information and flow behavior data; the credit record data comprises credit data, credit performance record, credit score, and credit interaction record; the financial institution data comprises borrower credit data, loan record data, audit record, and data access record;

[0052] S130, the credit user data is entered into the credit platform nodes, the borrower credit data and the loan record data are entered into the financial institution nodes, and the audit record and the data access record are entered into the supervision nodes;

[0053] S140, when a user first participates in credit, the user's information is generated as an on-chain identity; the information is processed through a hash value and recorded in a blockchain.

[0054] It should be noted that writing credit data into a credit management blockchain and generating an on-chain identity for a user provide a basic support for realizing trusted evidence of credit data, trusted anchoring of user identity, and intelligentization and supervision of credit processes, thereby comprehensively improving the security, transparency, and fine management capability of a credit system.

[0055] In an optional embodiment, the S110 includes:

[0056] S111, in combination with a credit management blockchain, a set of credit data management contracts is created; the set of credit data management contracts includes a user on-chain contract, an identification scheduling contract, and a data access control contract.

[0057] Specifically, the user on-chain contract is used to manage borrower information; the identification scheduling contract is used to identify a borrower; and the data access control contract is used to control access permissions of each management node.

[0058] S112, a credit data structure standard is set; the credit data structure standard includes a user identity structure, a credit data format, and an identification log field.

[0059] Specifically, the user identity structure includes but is not limited to user basic information, verification information, and authorization records; the credit data format refers to a standard and unified format of a loan amount, interest, a repayment plan, and a borrower credit score; and the identification log field includes but is not limited to a timestamp, an operator, an operation type, data content, and an operation result.

[0060] S113, a data synchronization mechanism is established; the data synchronization mechanism includes off-chain data collection, data verification processing, data uploading to a blockchain, and on-chain data returning to an off-chain platform.

[0061] S114, in combination with the set of credit data management contracts, the credit data structure standard, and the data synchronization mechanism, the credit management blockchain is perfected.

[0062] It should be noted that constructing an intelligent credit management blockchain system provides reliable infrastructure and institutional safeguards for the safe management, risk identification, permission control, and compliance audit of credit data.

[0063] In an optional embodiment, the S200 includes:

[0064] S210, user data volume is obtained; the user data volume includes recorded data volume and updated data volume.

[0065] S220, set a preset selection standard; the preset selection standard includes user basic information, the latest credit score, the latest flow behavior record, and credit interaction record;

[0066] S230, evaluate the data integrity by the ratio of the actual data amount of the user data amount to the minimum data standard amount of the preset selection standard;

[0067] Specifically, when the user uploads data, more supplementary data such as third-party credit reports and bank flow can be uploaded for cross verification to improve the user credit data;

[0068] S240, set a data integrity threshold, if the data integrity is greater than or equal to the data integrity threshold, identify the user data using user mode one; if the data integrity is less than the data integrity threshold, identify the user data using user mode two;

[0069] S250, execute the self-matching mode process through the user mode, when the user data is identified to enter user mode one, the risk assessment result is quickly generated based on the user data;

[0070] S251, when the user data is identified to enter user mode two, the user data is identified for debt repayment and timeliness, the user's repayment history record is identified in units of years, the repayment timeliness value is calculated; set a repayment reference value, if the repayment timeliness value is greater than or equal to the repayment reference value, continue to identify the user data; if the repayment timeliness value is less than the repayment reference value, generate a user risk score; the risk assessment result and the user risk score are recorded as a matching result.

[0071] It should be noted that the introduction of multiple user modes improves the accuracy and precision of identification; supports dynamic adjustment of identification strategy to ensure differentiated management of different risk users; realizes intelligent, personalized and fine-grained data management.

[0072] In an optional embodiment, the S300 includes:

[0073] S310, encrypt the user data corresponding to the matching result through the credit data management contract set; obtain the credit data hash digest, the audit record hash digest, and the public key address;

[0074] S320, combine the on-chain identity and the identification result, and store the above data to the credit management block chain in a structured manner, and update the credit management block chain.

[0075] It should be noted that the results in the credit matching and identification process are written and updated in real time to the credit management block chain, realizing trusted management of user data, dynamic risk control, automatic execution of credit process, and multi-party cooperation and sharing.

[0076] In an optional embodiment, the S400 comprises:

[0077] The matching result is analyzed to obtain a missing rate; the credit management blockchain is dynamically managed by the missing rate to obtain a dynamic management mechanism

[0078] S410, identifying a missing character proportion of user data in the matching result to obtain a missing rate;

[0079] S420, setting a missing threshold lower limit and a missing threshold upper limit;

[0080] S430, if the missing rate is less than or equal to the missing threshold lower limit, a dynamic management mechanism one is implemented on the credit management blockchain;

[0081] S440, if the missing rate is greater than the missing threshold lower limit and less than the missing threshold upper limit, a dynamic management mechanism two is implemented on the credit management blockchain;

[0082] S450, if the missing rate is greater than or equal to the missing threshold upper limit, a dynamic management mechanism three is implemented on the credit management blockchain;

[0083] Specifically, the dynamic management mechanism one, the dynamic management mechanism two and the dynamic management mechanism three are dynamic changes of an acquisition period of credit data, the acquisition period of the dynamic management mechanism one is greater than that of the dynamic management mechanism two, and the acquisition period of the dynamic management mechanism two is greater than that of the dynamic management mechanism three.

[0084] It should be noted that by analyzing the missing rate in the data matching result, a dynamic management mechanism driven by data quality is established, so that intelligent, adaptive and efficient management of the credit management blockchain is realized.

[0085] The embodiments of the present application are described in detail above in combination with the drawings, but the present application is not limited thereto, and various changes can be made within the knowledge of those skilled in the art without departing from the purpose of the present application.

Claims

1. A credit data management method based on blockchain technology, characterized in that: include: Establish a credit management blockchain, enter credit data into the credit management blockchain, and generate an on-chain identity; Obtain user data volume, select a user mode based on the user data volume, execute a self-matching mode process based on the user mode, and obtain a matching result; Based on the matching results and credit data, the user data is processed with the help of the credit management blockchain and the credit management blockchain is updated; Analyze the matching results to obtain the missing rate; dynamically manage the credit management blockchain through the missing rate to obtain a dynamic management mechanism, and manage the credit management blockchain through the dynamic management mechanism.

2. The credit data management method based on blockchain technology according to claim 1, characterized in that: The process of building a credit management blockchain includes: Establishing a credit management blockchain and setting up a number of management nodes within the credit management blockchain; the management nodes include financial institution nodes, regulatory nodes, and credit platform nodes; Obtain credit data; the credit data includes credit user data and financial institution data; the credit user data includes user basic information and credit record data; the user basic information includes user information and transaction behavior data; the credit record data includes credit data, credit performance records, credit scores and credit interaction records; the financial institution data includes borrower credit data, loan record data, audit records and data access records.

3. The credit data management method based on blockchain technology according to claim 2 is characterized in that: The process of building a credit management blockchain also includes: In conjunction with the credit management blockchain, a credit data management contract set is created; the credit data management contract set includes a user on-chain contract, an identification and scheduling contract, and a data access control contract; Setting credit data structure standards; the credit data structure standards include user identity structure, credit data format and identification log fields; Establish a data synchronization mechanism, which includes off-chain data collection, data verification processing, data upload to the blockchain, and on-chain data transmission back to the off-chain platform; The credit management blockchain is improved by combining the credit data management contract set, credit data structure standards and data synchronization mechanism.

4. The credit data management method based on blockchain technology according to claim 3 is characterized in that: The process of entering credit data into the credit management blockchain and generating an on-chain identity is as follows: Enter credit user data into the credit platform node, enter borrower credit data and loan record data into the financial institution node, and enter audit records and data access records into the supervision node; When a user participates in a loan for the first time, his / her user information will be used to generate an on-chain identity; this identity will be processed through a hash value and entered into the blockchain.

5. The credit data management method based on blockchain technology according to claim 4 is characterized in that: The process of obtaining the amount of user data and selecting a user mode based on the amount of user data includes: Acquiring user data volume, the user data volume including recorded data volume and updated data volume; Setting preset selection criteria; the preset selection criteria include basic user information, latest credit score, latest transaction records, and credit interaction records; The data integrity is evaluated by the ratio of the actual amount of user data to the minimum amount of data set according to the preset selection criteria; A data integrity threshold is set. If the data integrity is greater than or equal to the data integrity threshold, user mode 1 is used to identify user data; if the data integrity is less than the data integrity threshold, user mode 2 is used to identify user data.

6. The credit data management method based on blockchain technology according to claim 5 is characterized in that: The process of executing the self-matching mode process in user mode and obtaining the matching result includes: The self-matching mode process is executed through the user mode. When the user data is identified and enters user mode 1, the risk assessment results are quickly generated based on the user data; When user data is identified and enters user mode 2, the user data will be identified for debt repayment timeliness, with the user's repayment history identified in years, and the repayment timeliness value calculated; a repayment reference value is set, and if the repayment timeliness value is greater than or equal to the repayment reference value, the user data will continue to be identified; if the repayment timeliness value is less than the repayment reference value, a user risk score will be generated; the risk assessment result and the user risk score will be recorded as the matching result.

7. The credit data management method based on blockchain technology according to claim 6 is characterized in that: Based on the matching results and credit data, the credit management blockchain is used to process user data. The process of updating the credit management blockchain includes: Through the credit data management contract set, the user data corresponding to the matching result is encrypted; the credit data hash summary, audit record hash summary and public key address are obtained; Combined with the on-chain identity and recognition results, the above data is structured and stored on the credit management block chain, and the credit management blockchain is updated.

8. The credit data management method based on blockchain technology according to claim 7 is characterized in that: Analyze the matching results to obtain the missing rate; Dynamic management of the credit management blockchain is performed through the missing rate to obtain a dynamic management mechanism. The process of managing the credit management blockchain through the dynamic management mechanism includes: Identify the percentage of missing characters in user data in the matching results and obtain the missing rate; Set the missing threshold lower limit and missing threshold upper limit; If the missing rate is less than or equal to the missing threshold lower limit, the credit management blockchain will be subject to dynamic management mechanism 1; If the missing rate is greater than the lower limit of the missing threshold and less than the upper limit of the missing threshold, the second dynamic management mechanism will be implemented on the credit management blockchain; If the missing rate is greater than or equal to the missing threshold upper limit, the third dynamic management mechanism will be implemented on the credit management blockchain.

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