Public credit series-connection full-process block chain evidence storage method

Abstract

The invention relates to the technical field of customer credit and loan, in particular to a common credit and loan series full-process block chain evidence storage method. According to the method, the evidence storage Hash ciphertext of the previous common credit process node and the to-be-linked data involved in the current credit link are subjected to Hash and then are linked, so that the authenticity, validity and service continuity of the evidence storage data of the whole process before, during and after the common credit service are ensured, and the recognition degree of judicial organs is improved.

Description

Technical Field

[0001] This invention relates to the field of customer credit technology, and in particular to a method for blockchain-based evidence storage throughout the entire process of inclusive credit. Background Technology

[0002] As a large number of traditional financial services have shifted to digitalization, the convenience of financial transactions has been greatly enhanced, but this has also brought greater challenges. Data in online inclusive lending relies on the transfer and storage of data across various systems and even across institutions. Log records alone cannot prove the complete authenticity of a customer's transaction. While storing data from a specific stage on the blockchain can prove the authenticity of that stage's data, the data at each stage is highly isolated and too scattered, making it impossible to effectively connect the on-chain data of a single transaction across the entire process. Therefore, banks face difficulties in providing evidence when inclusive finance customers default.

[0003] Therefore, it is necessary to provide a method for blockchain-based evidence storage throughout the entire inclusive lending process to reduce the risk of evidence dispersion in inclusive lending, improve the authenticity and business continuity of evidence, and enhance the recognition of evidence throughout the inclusive lending process by judicial authorities. Summary of the Invention

[0004] The purpose of this invention is to provide a method for blockchain-based evidence storage throughout the entire process of inclusive lending, so as to reduce the risk of evidence dispersion in inclusive lending business, improve the authenticity of evidence and business continuity, and increase the recognition of evidence throughout the inclusive lending process by judicial authorities.

[0005] To address the problems existing in the prior art, this invention provides a method for blockchain-based evidence storage throughout the entire process of inclusive credit, comprising the following steps:

[0006] S1: When a customer applies for inclusive credit business through an external partner channel that cooperates with the bank, he or she fills in and uploads basic identity data. After the external partner verifies that the basic identity data is correct, it is transmitted to the bank's inclusive credit system. After the inclusive credit system verifies the authenticity of the basic identity data, it is sent to the blockchain evidence storage system. The blockchain evidence storage system hashes the basic identity data and obtains the first evidence storage number of this evidence storage transaction.

[0007] The blockchain-based evidence storage system saves the original text of the customer's basic identity data, the hash ciphertext, and the first evidence storage number of the entire transaction to the corresponding storage table, and returns the first evidence storage number of this evidence storage transaction to the inclusive credit system.

[0008] S2: The inclusive credit system uses the customer's basic identity data to retrieve their business operation indicator data and sends it to the bank's risk control model system for risk assessment. After the assessment is completed, the inclusive credit system packages the risk assessment data and the first evidence number and sends it to the blockchain evidence system. After receiving the first evidence number, the blockchain evidence system queries the hash encrypted data associated with the first evidence number in the database storage table, hashes it together with the risk assessment data, and obtains the second evidence number for this evidence transaction.

[0009] The blockchain-based evidence storage system saves the original risk assessment data, hash ciphertext, first evidence storage number, and second evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the second evidence storage number to the inclusive credit system.

[0010] S3: After the inclusive credit system confirms the corresponding credit limit for this customer and subsequently disburses the loan, it packages the loan data and the second evidence number and sends them to the blockchain evidence system. After receiving the second evidence number, the blockchain evidence system queries the hash ciphertext data associated with the second evidence number in the database storage table, hashes it together with the loan data, and obtains the third evidence number for this evidence transaction.

[0011] The blockchain-based evidence storage system saves the original loan data, hash ciphertext, second evidence storage number, and third evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the third evidence storage number to the inclusive credit system.

[0012] S4: The inclusive credit system tracks the customer's post-loan data, packages the post-loan data with the third evidence number and sends it to the blockchain evidence system. After receiving the third evidence number, the blockchain evidence system queries the hash ciphertext data associated with the third evidence number in the database storage table, hashes it together with the post-loan data, and obtains the fourth evidence number for this evidence transaction.

[0013] The blockchain-based evidence storage system saves the original post-loan data, hash ciphertext, third evidence storage number, and fourth evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the fourth evidence storage number to the inclusive credit system.

[0014] Optionally, in the method for blockchain-based evidence storage throughout the entire process of inclusive credit, in steps S1 to S4, after hashing, the data is sent to an external blockchain node for on-chain evidence storage, and the external blockchain returns the evidence storage numbers for this evidence storage transaction.

[0015] Optionally, in the method for blockchain-based evidence storage throughout the entire inclusive credit process, basic identity data includes the company name, company certificate number, business license image, legal representative's name, ID card number, and identity image.

[0016] Optionally, in the method of blockchain-based evidence storage for the entire process of inclusive credit, the enterprise operating indicator data includes enterprise shareholder information, litigation records, and legal representative credit records.

[0017] Optionally, in the method for blockchain-based evidence storage throughout the entire process of inclusive credit, the risk assessment data includes risk assessment parameters, risk assessment results, and assessment time.

[0018] Optionally, in the method of blockchain-based evidence storage throughout the entire inclusive credit process, the loan data includes credit limit, loan amount, loan disbursement time, and customer bank card number.

[0019] Optionally, in the method of blockchain-based evidence storage for the entire process of inclusive lending, the customer's post-loan data includes the customer's credit data, litigation records, on-time repayment records, and query time.

[0020] Optionally, in the method of blockchain-based evidence storage for the entire process of inclusive credit, the inclusive credit system stores a fourth evidence number in the database. When a customer defaults or has a dispute, the fourth evidence number is provided to the blockchain evidence storage system. The blockchain evidence storage system then sequentially obtains the third evidence number, the second evidence number, and the first evidence number, as well as the original data of the corresponding steps. The system hashes the original data of each step and compares it with the on-chain data to confirm data consistency and the chronological order of the transaction processes.

[0021] Compared with the prior art, the present invention has the following advantages:

[0022] This invention reduces the risk of fragmented evidence in inclusive lending by providing a method to hash the encrypted evidence from the previous inclusive lending process node together with the data to be uploaded to the blockchain in the current lending process. This ensures the authenticity and validity of the evidence data throughout the entire process of inclusive lending, including pre-loan, mid-loan, and post-loan stages, as well as business continuity. It proves the authenticity and validity of the business data and the continuity of the process at each stage, improves the recognition by judicial authorities, and effectively protects the legitimate rights and interests of banks. Detailed Implementation

[0023] The specific embodiments of the present invention will now be described in more detail. The advantages and features of the present invention will become clearer from the following description.

[0024] In the following, if the methods described herein include a series of steps, the order of these steps presented herein is not necessarily the only order in which these steps can be performed, and some of the steps described may be omitted and / or some other steps not described herein may be added to the method.

[0025] As a large number of traditional financial services have shifted to digitalization, the convenience of financial transactions has been greatly enhanced, but this has also brought greater challenges. Data in online inclusive lending relies on the transfer and storage of data across various systems and even across institutions. Log records alone cannot prove the complete authenticity of a customer's transaction. While storing data from a specific stage on the blockchain can prove the authenticity of that stage's data, the data at each stage is highly isolated and too scattered, making it impossible to effectively connect the on-chain data of a single transaction across the entire process. Therefore, banks face difficulties in providing evidence when inclusive finance customers default.

[0026] To address the problems existing in current technologies, a method for integrating blockchain evidence storage throughout the entire inclusive lending process is proposed, comprising the following steps:

[0027] S1: When a customer applies for inclusive credit through an external partner channel cooperating with the bank, they fill in and upload basic identity data (basic identity data includes company name, company certificate number, business license image, legal representative's name, ID card number, and ID card image). After the external partner verifies that the basic identity data is correct, it is transmitted to the bank's internal inclusive credit system. After the inclusive credit system verifies the authenticity of the basic identity data, it is sent to the blockchain evidence storage system. The blockchain evidence storage system hashes the basic identity data and obtains the first evidence storage number for this evidence storage transaction.

[0028] The blockchain-based evidence storage system saves the original text of the customer's basic identity data, the hash ciphertext, and the first evidence storage number of the entire transaction to the corresponding storage table, and returns the first evidence storage number of this evidence storage transaction to the inclusive credit system.

[0029] S2: The inclusive credit system uses the customer's basic identity data to retrieve their business operation indicator data (which includes shareholder information, litigation records, and legal representative credit records) and sends it to the bank's internal risk control model system for risk assessment (primarily assessing the customer's application information, credit report, judicial data, and other qualifications). After the assessment, the inclusive credit system packages the risk assessment data (which includes risk assessment parameters, risk assessment results, and assessment time) with the first evidence number and sends it to the blockchain evidence storage system. Upon receiving the first evidence number, the blockchain evidence storage system queries the hash encrypted data associated with the first evidence number in the database storage table, hashes it together with the risk assessment data, and obtains the second evidence number for this evidence storage transaction.

[0030] The blockchain-based evidence storage system saves the original risk assessment data, hash ciphertext, first evidence storage number, and second evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the second evidence storage number to the inclusive credit system.

[0031] S3: After the inclusive credit system confirms the corresponding credit limit for this customer and subsequently disburses the loan, it packages the loan data (including the credit limit, loan amount, disbursement time, and customer's bank card number) and the second evidence number and sends them to the blockchain evidence system. After receiving the second evidence number, the blockchain evidence system queries the hash ciphertext data associated with the second evidence number in the database storage table, hashes it together with the loan data, and obtains the third evidence number for this evidence transaction.

[0032] The blockchain-based evidence storage system saves the original loan data, hash ciphertext, second evidence storage number, and third evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the third evidence storage number to the inclusive credit system.

[0033] S4: The inclusive lending system tracks the customer's post-loan data (which includes the customer's credit data, litigation records, on-time repayment records, and query time). It packages the post-loan data with the third-party evidence number and sends it to the blockchain evidence system. After receiving the third-party evidence number, the blockchain evidence system queries the hash ciphertext data associated with the third-party evidence number in the database storage table, hashes it together with the post-loan data, and obtains the fourth-party evidence number for this evidence transaction.

[0034] The blockchain-based evidence storage system saves the original post-loan data, hash ciphertext, third evidence storage number, and fourth evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the fourth evidence storage number to the inclusive credit system.

[0035] Furthermore, in S1 to S4, after hashing, the data is sent to the external blockchain node for on-chain storage, and the external blockchain returns the storage numbers for each storage transaction.

[0036] The inclusive credit system stores the fourth evidence number in the database. When a customer defaults or has a dispute, the fourth evidence number is provided to the blockchain evidence system. The blockchain evidence system then obtains the third, second, and first evidence numbers, as well as the original data of the corresponding steps. The system hashes the original data of each step and compares it with the on-chain data to confirm data consistency and the order in which the transaction processes occur.

[0037] In one embodiment: Small and micro-enterprise customers access an internet lending platform app partnered with a bank, click to apply for a loan, and then fill in their company name, unified social credit code, legal representative's name, and ID number, uploading copies of their business license and ID card. After clicking submit, the internet lending platform sends this data to the bank's inclusive credit system by calling the bank's public network interface for uploading basic loan customer information. Upon receiving this data, the inclusive credit system verifies it using enterprise business registration verification and public security network verification interfaces. If the verification is successful, it calls the blockchain evidence storage system's interface to send the data to the system. The system assembles the data into a JSON string, hashes and encrypts it, and then uses the external blockchain's uplink interface to store the data on the blockchain. The external blockchain returns a transaction number for this evidence storage transaction. The blockchain evidence storage system then saves the original customer identity data, hashed encrypted data, and evidence storage number to the corresponding storage table and returns the evidence storage number to the inclusive credit system.

[0038] The inclusive lending system uses the basic data submitted by the customer to access relevant data on the company's business indicators, such as shareholder information, litigation records, and legal representative credit records, through a big data query interface. After acquisition, the data is assembled and sent to the in-house risk control model system for risk assessment. Once the risk control model system completes its assessment, the inclusive lending system packages the risk assessment data (including risk assessment parameters, results, assessment time, and the evidence storage number from step one) and sends it to the blockchain evidence storage system. Upon receiving the evidence storage number, the blockchain evidence storage system queries the database storage table for the hash-encrypted data associated with this evidence storage number, assembles it together with the risk assessment data into a JSON string, hashes and encrypts it, and calls the external blockchain's uplink interface to store this data on the blockchain. The external blockchain returns the evidence storage number for this transaction. The blockchain evidence storage system then saves the original risk assessment data, the hash-encrypted data, the evidence storage number from step one, and the evidence storage number from step two to the corresponding storage tables, and returns the evidence storage number from step two to the inclusive lending system.

[0039] After the inclusive credit system completes its risk assessment and confirms that a corresponding credit limit can be granted to the customer and subsequent loan disbursement can proceed, it calls the bank's internal credit limit assessment system to obtain the specific credit limit for this customer and notifies the customer of the loan disbursement. The customer clicks to confirm the loan disbursement on the internet lending platform, and the internet platform notifies the bank's inclusive credit system to disburse the loan. After the inclusive credit system successfully disburses the loan, it packages the loan data generated from this loan transaction, such as the credit limit, loan amount, disbursement time, customer's bank card number, and the evidence storage number in the specific embodiment of step two, and sends it to the blockchain evidence storage system. After receiving the evidence storage number, the blockchain evidence storage system queries the hash ciphertext data associated with this evidence storage number in the database storage table, assembles it together with the loan data into a JSON string, hashes and encrypts it, calls the on-chain connection interface of the external blockchain to store this part of the data on the blockchain, and the external blockchain returns the evidence storage number for this evidence storage transaction. The blockchain evidence storage system saves the original loan data, hash ciphertext, evidence storage number in the specific embodiment of step two, and evidence storage number in the specific embodiment of step three to the corresponding storage table, and returns the evidence storage number in the specific embodiment of step three to the inclusive credit system.

[0040] The inclusive lending system periodically queries customers' post-loan behavior records, such as customer credit data, litigation records, on-time repayment records, and query times. It packages the retrieved post-loan behavior record data with the evidence storage number from the specific embodiment in step three and sends it to the blockchain evidence storage system. The blockchain evidence storage system retrieves the associated hash-encrypted data from the database storage table based on the evidence storage number, assembles it into a JSON string along with the post-loan behavior record data, hashes and encrypts it, and calls the external blockchain's uplink interface to store this data on the blockchain. The external blockchain returns the evidence storage number for this transaction. The blockchain evidence storage system saves the original post-loan behavior record data, the hash-encrypted data, the evidence storage number from the specific embodiment in step three, and the evidence storage number from the specific embodiment in step four to the corresponding storage tables, and returns the evidence storage number from step four to the inclusive lending system.

[0041] In summary, compared with the prior art, the present invention has the following advantages:

[0042] This invention reduces the risk of fragmented evidence in inclusive lending by providing a method to hash the encrypted evidence from the previous inclusive lending process node together with the data to be uploaded to the blockchain in the current lending process. This ensures the authenticity and validity of the evidence data throughout the entire process of inclusive lending, including pre-loan, mid-loan, and post-loan stages, as well as business continuity. It proves the authenticity and validity of the business data and the continuity of the process at each stage, improves the recognition by judicial authorities, and effectively protects the legitimate rights and interests of banks.

[0043] The above are merely preferred embodiments of the present invention and do not constitute any limitation on the present invention. Any equivalent substitutions or modifications made by those skilled in the art to the technical solutions and content disclosed in the present invention without departing from the scope of the present invention shall be deemed to have remained within the protection scope of the present invention.

Claims

1. A method for integrating blockchain evidence storage throughout the entire process of inclusive lending, characterized in that, Includes the following steps: S1: When a customer applies for inclusive credit business through an external partner channel that cooperates with the bank, he or she fills in and uploads basic identity data. After the external partner verifies that the basic identity data is correct, it is transmitted to the bank's inclusive credit system. After the inclusive credit system verifies the authenticity of the basic identity data, it is sent to the blockchain evidence storage system. The blockchain evidence storage system hashes the basic identity data and obtains the first evidence storage number of this evidence storage transaction. The blockchain-based evidence storage system saves the original text of the customer's basic identity data, the hash ciphertext, and the first evidence storage number of the entire transaction to the corresponding storage table, and returns the first evidence storage number of this evidence storage transaction to the inclusive credit system. S2: The inclusive credit system uses the customer's basic identity data to retrieve their business operation indicator data and sends it to the bank's risk control model system for risk assessment. After the assessment is completed, the inclusive credit system packages the risk assessment data and the first evidence number and sends it to the blockchain evidence system. After receiving the first evidence number, the blockchain evidence system queries the hash encrypted data associated with the first evidence number in the database storage table, hashes it together with the risk assessment data, and obtains the second evidence number for this evidence transaction. The blockchain-based evidence storage system saves the original risk assessment data, hash ciphertext, first evidence storage number, and second evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the second evidence storage number to the inclusive credit system. S3: After the inclusive credit system confirms the corresponding credit limit for this customer and subsequently disburses the loan, it packages the loan data and the second evidence number and sends them to the blockchain evidence system. After receiving the second evidence number, the blockchain evidence system queries the hash ciphertext data associated with the second evidence number in the database storage table, hashes it together with the loan data, and obtains the third evidence number for this evidence transaction. The blockchain-based evidence storage system saves the original loan data, hash ciphertext, second evidence storage number, and third evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the third evidence storage number to the inclusive credit system. S4: The inclusive credit system tracks the customer's post-loan data, packages the post-loan data with the third evidence number and sends it to the blockchain evidence system. After receiving the third evidence number, the blockchain evidence system queries the hash ciphertext data associated with the third evidence number in the database storage table, hashes it together with the post-loan data, and obtains the fourth evidence number for this evidence transaction. The blockchain-based evidence storage system saves the original post-loan data, hash ciphertext, third evidence storage number, and fourth evidence storage number of this evidence storage transaction to the corresponding storage table, and returns the fourth evidence storage number to the inclusive credit system.

2. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, In S1 to S4, after hashing, the data is sent to the external blockchain node for on-chain storage. The external blockchain returns the storage numbers for each storage transaction.

3. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, Basic identity data includes company name, company certificate number, business license image, legal representative's name, ID card number, and identity image.

4. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, Enterprise operating indicators include information on enterprise shareholders, litigation records, and credit records of legal representatives.

5. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, Risk assessment data includes risk assessment parameters, risk assessment results, and assessment time.

6. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, Loan data includes credit limit, loan amount, loan disbursement time, and customer's bank card number.

7. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, Customer post-loan data includes customer credit data, litigation records, on-time repayment records, and inquiry time.

8. The method for blockchain-based evidence storage throughout the entire process of inclusive lending as described in claim 1, characterized in that, The inclusive credit system stores the fourth evidence number in the database. When a customer defaults or has a dispute, the fourth evidence number is provided to the blockchain evidence system. The blockchain evidence system then obtains the third, second, and first evidence numbers, as well as the original data of the corresponding steps. The system hashes the original data of each step and compares it with the on-chain data to confirm data consistency and the order in which the transaction processes occur.