Node access method, loan application method and application device thereof

Abstract

The application provides a node access method, a loan application method and an application device thereof, and relates to the fields of big data and financial technology. The method is applied to a management system composed of multiple nodes, and includes the following steps: receiving an access request of a to-be-accessed node, the access request including qualification information, identity authentication information and transaction information of the to-be-accessed node; the transaction information including historical loan records, repayment information and a loan limit of a user; sending an audit request to an audit node based on the access request; the audit node is a node with audit qualification in the management system; receiving preliminary audit results returned by each audit node about the audit request, and generating a comprehensive audit result based on the preliminary audit results; and determining the access of the to-be-accessed node based on the comprehensive audit result. The application realizes data sharing and cooperation among cross-bank nodes, solves the information island problem among banks, and avoids the increase of credit risks caused by information loss.

Description

Technical Field

[0001] This application relates to the fields of big data and fintech, and in particular to a node access method, a loan application method, and an application device thereof. Background Technology

[0002] Corporate users who need to obtain higher loan amounts usually need to submit applications to multiple banks at the same time in order to diversify risk or meet funding needs.

[0003] Current bank loan models primarily rely on centralized credit systems. Users submit loan applications to banks online or offline, providing identity information, financial documentation, and other materials. Banks then use their internal risk control systems to review the user's creditworthiness and repayment ability, deciding whether to approve the loan and its terms (such as loan amount and interest rate). If approved, the user signs a contract with the bank and the funds are transferred. However, this loan model only serves the internal operations of the bank and cannot share user information with other banks. Consequently, it cannot access information such as the user's loan history and repayment behavior at other banks. This lack of information may lead to biased risk assessments, thereby increasing the risk of credit default. Summary of the Invention

[0004] This application provides a node access method, a loan application method, and an application device thereof to solve the technical problem of increased credit risk caused by information gaps in various banks.

[0005] In a first aspect, embodiments of this application provide a node access method, applied to a management system composed of multiple nodes, including:

[0006] Receive access requests from nodes to be connected. The access request includes the node's qualification information, identity authentication information, and transaction information. The transaction information includes the user's historical loan records, repayment information, and loan amount.

[0007] Based on the access request, an audit request is sent to the audit node; where the audit node is a node in the management system that has audit qualifications.

[0008] Receive preliminary review results from each review node regarding the review request, and generate a comprehensive review result based on the preliminary review results;

[0009] The nodes to be connected are determined based on the comprehensive review results.

[0010] In one embodiment, an audit request is sent to the audit node based on the access request, specifically including:

[0011] Extract authentication information from the access request; the authentication information includes the public key.

[0012] The identity authentication information is encrypted to generate an encrypted identifier;

[0013] Send an audit request to the audit node; the audit request includes an identifier.

[0014] In one embodiment, the authentication information is encrypted to generate an encrypted identifier, specifically including:

[0015] Convert identity authentication information into a format suitable for processing by irreversible encryption algorithms;

[0016] The converted identity authentication information is used to generate an identifier through an irreversible encryption algorithm; the identifier is used to associate the identity authentication information with the transaction information.

[0017] In one embodiment, determining the node to be accessed based on the comprehensive review results specifically includes:

[0018] When the overall audit results meet the following conditions: all audit nodes have passed the preliminary audit and the results contain information signed using a private key, the node to be connected is determined to be connected.

[0019] In one embodiment, the method further includes:

[0020] Monitor each node for any violations; violations include data tampering, unauthorized access, and data leakage.

[0021] Based on the violation, the offending node is identified, and a penalty request is generated. The penalty request includes the identity authentication information of the offending node, the violation, and the penalty measures.

[0022] Secondly, embodiments of this application provide a node access device, including:

[0023] The receiving module is used to receive access requests from nodes to be connected. The access request includes the node's qualification information, identity authentication information, and transaction information. The transaction information includes the user's historical loan records, repayment information, and loan amount.

[0024] The sending module is used to send audit requests to audit nodes based on access requests; where audit nodes are nodes in the management system that have audit qualifications.

[0025] The receiving module is also used to receive the preliminary review results of the review request returned by each review node, and generate a comprehensive review result based on the preliminary review results;

[0026] The processing module is used to determine which nodes to be connected based on the comprehensive review results.

[0027] Thirdly, embodiments of this application provide a management system including multiple nodes, which are interconnected and collaborate through blockchain technology;

[0028] The management system employs any of the methods described above.

[0029] Fourthly, embodiments of this application provide a loan application method applied to the aforementioned management system, the method comprising:

[0030] Receive loan requests submitted by users; loan requests include loan information and specified nodes;

[0031] Based on the loan request, a preliminary loan plan generated by a designated node is obtained and sent to the user. The preliminary loan plan is generated by the node based on the user's transaction information. The transaction information includes the user's historical loan records, repayment information, and loan amount.

[0032] Receive the target loan proposal sent by the user and complete the loan application; the target loan proposal is selected by the user from the preliminary loan proposals.

[0033] Fifthly, embodiments of this application provide an electronic device, including: a processor, and a memory communicatively connected to the processor;

[0034] The memory stores instructions that the computer executes;

[0035] The processor executes computer-executable instructions stored in memory to implement any of the methods described above.

[0036] Sixthly, embodiments of this application provide a computer program product, including a computer program that, when executed by a processor, implements any of the methods described above.

[0037] This application provides a node access method, a loan application method, and an application device thereof. The method is applied to a management system composed of multiple nodes, including: receiving access requests from nodes to be accessed, the access requests including the node's qualification information, identity authentication information, and transaction information; the transaction information including the user's historical loan records, repayment information, and loan amount; sending review requests to review nodes based on the access requests; wherein, the review nodes are nodes in the management system with review qualifications; receiving preliminary review results from each review node regarding the review requests, and generating a comprehensive review result based on the preliminary review results; and determining the access of the node to be accessed based on the comprehensive review result. This application establishes a decentralized blockchain management system to achieve loan data sharing and trusted collaboration across bank nodes, solving the problem of information silos between banks and avoiding increased credit risk due to missing information from various banks; secondly, through a multi-node joint review mechanism, it ensures that all nodes are legitimate institutions, reducing the risk of fraudulent bank transactions. Attached Figure Description

[0038] The accompanying drawings, which are incorporated in and form part of this specification, illustrate embodiments consistent with this application and, together with the description, serve to explain the principles of this application.

[0039] Figure 1 A flowchart illustrating a node access method provided in an embodiment of this application;

[0040] Figure 2 This is a schematic diagram of the structure of a management system provided in an embodiment of this application;

[0041] Figure 3 A flowchart illustrating a loan application method provided in one embodiment of this application;

[0042] Figure 4 This is a schematic diagram of the structure of a node access device provided in an embodiment of this application;

[0043] Figure 5 A schematic diagram of the structure of the electronic device provided in this application.

[0044] The accompanying drawings illustrate specific embodiments of this application, which will be described in more detail below. These drawings and descriptions are not intended to limit the scope of the concept in any way, but rather to illustrate the concept of this application to those skilled in the art through reference to particular embodiments. Detailed Implementation

[0045] Exemplary embodiments will now be described in detail, examples of which are illustrated in the accompanying drawings. When the following description relates to the drawings, unless otherwise indicated, the same numbers in different drawings denote the same or similar elements. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. Rather, they are merely examples of apparatuses and methods consistent with some aspects of this application as detailed in the appended claims.

[0046] 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 used for analysis, data stored, data displayed, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of the relevant data all comply with the relevant laws, regulations, and standards of the relevant countries and regions, have taken necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation access points for users to choose to authorize or refuse.

[0047] Furthermore, the technical solution involved in this application, which involves big data analysis of user information (including but not limited to personal biometrics, identity data, consumption data, asset data, electronic terminal operation data, etc.) and the use of artificial intelligence technology for automated decision-making, and makes decisions that have a significant impact on personal rights based on the results of automated decision-making, provides users with corresponding operation entry points for users to choose to agree to or reject the results of automated decision-making; if the user chooses to reject, the process will proceed to the expert decision-making process.

[0048] It should be noted that the node access method, loan application method and application device provided in this application can be used in the fields of big data and fintech, as well as in any field other than big data and fintech. The application fields of the node access method, loan application method and application device in this application are not limited.

[0049] The specific application scenario of this application is as follows: When enterprises or individuals need large loans, traditional loan models have significant pain points. For example, if an enterprise needs to obtain a higher loan amount, it usually needs to submit applications to multiple banks at the same time to diversify risks or meet funding needs.

[0050] Current bank loan models primarily rely on centralized credit systems. Users submit loan applications to banks online or offline, providing identity information, financial documentation, and other materials. Banks then use their internal risk control systems to review the user's creditworthiness and repayment ability, deciding whether to approve the loan and its terms (such as loan amount and interest rate). If approved, the user signs a contract with the bank and the funds are transferred. However, this loan model only serves the internal operations of the bank and cannot share user information with other banks. Consequently, it cannot access information such as the user's loan history and repayment behavior at other banks. This lack of information may lead to biased risk assessments, thereby increasing the risk of credit default.

[0051] This application provides a node access method that establishes a decentralized blockchain management system to achieve loan data sharing and trusted collaboration across bank nodes, solving the problem of information silos between banks and avoiding increased credit risk due to missing information from various banks. Secondly, through a multi-node joint review mechanism, it ensures that all nodes are legitimate institutions, reducing the risk of fraudulent bank transactions. The aim is to solve the aforementioned technical problems of existing technologies.

[0052] The technical solution of this application and how the technical solution of this application solves the above-mentioned technical problems are described in detail below with specific embodiments. These specific embodiments can be combined with each other, and the same or similar concepts or processes may not be described again in some embodiments. The embodiments of this application will now be described with reference to the accompanying drawings.

[0053] Blockchain is a distributed database technology that can record data such as transactions, assets, and information. It ensures the security and immutability of data through encryption and consensus mechanisms. Blockchain does not rely on a central authority; data is distributed across multiple nodes in the network, with each node holding a copy of the data. Data on the blockchain is visible to all participants, who verify and record transactions through a consensus mechanism. Once data is written, it is virtually impossible to modify or delete it, and encryption technology is used to protect the data.

[0054] like Figure 1 As shown, Figure 1 This is a flowchart illustrating a node access method provided in an embodiment of this application. The node access method is applied to a management system composed of multiple nodes and includes the following steps:

[0055] Step S101: Receive the access request from the node to be accessed. The access request includes the node's qualification information, identity authentication information, and transaction information. The transaction information includes the user's historical loan records, repayment information, and loan amount.

[0056] Specifically, the node to be connected is a financial institution, which sends an access request to the management system. The access request includes the node's qualification certificate, such as the qualification certificate of its affiliated institution, proof of technical capabilities, etc., and identity authentication information used to verify the identity of the node to be connected, such as digital certificate, key pair, signature, etc.

[0057] Step S102: Based on the access request, send an audit request to the audit node; wherein, the audit node is a node in the management system that has audit qualifications.

[0058] Specifically, such as Figure 2 As shown, Figure 2 This is a schematic diagram of the structure of a management system provided in one embodiment of this application. The management system consists of multiple nodes, each corresponding to a financial institution, and each node in the management system forms an on-chain node in the blockchain. In this example, there are four audit nodes, namely Bank A, Bank B, Bank C, and Bank D. This application does not limit the number of audit nodes. The management system sends audit requests to Bank A, Bank B, Bank C, and Bank D. The audit requests include the qualification information, identity authentication information, and transaction information of the access nodes.

[0059] Step S103: Receive the preliminary review results of the review request returned by each review node, and generate a comprehensive review result based on the preliminary review results.

[0060] Specifically, upon receiving an audit request, the audit node evaluates the qualification information, identity authentication information, and transaction information in the access request. For example, the audit node checks the validity of the business license and financial license of the node to be accessed; verifies the validity of the digital certificate and signature; analyzes historical loan records and repayment information to assess the creditworthiness and risk of the node to be accessed; and returns a preliminary audit result after completing the evaluation. Each audit node audits independently. After completing the preliminary audit result, it uses its private key to sign the public key of the node to be accessed and uploads the preliminary audit result to the management system. Other audit nodes repeat the above process to audit and sign the nodes to be accessed. The management system collects the preliminary audit results from all audit nodes and generates a comprehensive audit result according to preset rules.

[0061] In one embodiment, the preset rule is either a majority voting rule or a unanimous vote rule. The specific rule is determined according to the actual situation, and this application does not limit it here.

[0062] Step S104: Determine the nodes to be accessed based on the comprehensive review results.

[0063] Specifically, if all audit nodes pass the initial audit, or if more than a certain percentage of audit nodes pass, the node to be connected is allowed to connect to the system. The identity authentication information of the node to be connected is recorded in the blockchain ledger, and the node list is updated. At the same time, the management system notifies the node to be connected that its access request has been approved.

[0064] This application introduces a multi-node joint authentication mechanism to verify the credibility of nodes applying to access the blockchain, preventing fraudulent institutions from accessing the system and thus ensuring the overall credibility and security of the management system. Secondly, by building a decentralized blockchain management system, it enables loan data sharing and trusted collaboration across bank nodes, solving the problem of information silos between banks and avoiding increased credit risk due to missing information from various banks.

[0065] In one embodiment, step S104 specifically includes the following steps:

[0066] When the overall audit results meet the following conditions: all audit nodes have passed the preliminary audit and the results contain information signed using a private key, the node to be connected is determined to be connected.

[0067] Specifically, if the overall review results meet the unanimous approval rule—meaning all preliminary review results from all review nodes pass and include information signed using private keys—then the node to be added is allowed to connect to the system. The node's identity authentication information is recorded in the blockchain ledger, and the node list is updated. This example ensures the trustworthiness of newly added nodes by requiring all review nodes to pass.

[0068] In one embodiment, the method further includes the following steps:

[0069] Monitor each node for any violations; violations include data tampering, unauthorized access, and data leakage.

[0070] Based on the violation, the offending node is identified, and a penalty request is generated. The penalty request includes the identity authentication information of the offending node, the violation, and the penalty measures.

[0071] Specifically, if a node engages in misconduct, the management system generates a penalty request and initiates a vote among the review nodes. If the vote is in favor, the offending node can be penalized according to the specified penalty measures. If the penalty measure is removal, the offending node will be quickly removed after the vote passes, and the blockchain list will be updated to ensure the feasibility of the management system.

[0072] In one embodiment, step S102 specifically includes the following steps:

[0073] Extract authentication information from the access request; the authentication information includes the public key.

[0074] Specifically, authentication information is extracted from the access requests submitted by nodes seeking to connect. This authentication information typically includes public keys, digital certificates, and signatures, facilitating the verification of the node's identity. Each node in the management system maintains a list of public keys, recording the public keys of all nodes, allowing each node to verify the identity of other nodes.

[0075] The identity authentication information is encrypted to generate an encrypted identifier.

[0076] Specifically, irreversible encryption algorithms (such as SHA-256 or SHA-3) are used to encrypt the authentication information, generating a unique identifier. This identifier ensures the security and privacy of the authentication information.

[0077] Send an audit request to the audit node; the audit request includes an identifier.

[0078] Specifically, the generated identifier is sent to the audit node as part of the audit request; the audit node uses the identifier to verify the identity of the node to be connected, which facilitates subsequent audits.

[0079] This application combines encryption algorithms with blockchain to achieve customer privacy protection and cross-bank data sharing. While solving the problem of information silos between banks, it protects customer privacy through encryption algorithms and ensures the security of data during the sharing process.

[0080] In one embodiment, the authentication information is encrypted to generate an encrypted identifier, specifically including the following steps:

[0081] Convert identity authentication information into a format suitable for processing by irreversible encryption algorithms.

[0082] The converted identity authentication information is used to generate an identifier through an irreversible encryption algorithm; the identifier is used to associate the identity authentication information with the transaction information.

[0083] Specifically, irreversible encryption algorithms are hash functions. They typically require a byte stream as input, converting authentication information (such as public keys, digital certificates, etc.) into a format suitable for hash processing. The converted authentication information is then encrypted using an irreversible encryption algorithm, generating a fixed-length hash value, i.e., an identifier. In the management system, this generated identifier can be associated with transaction information for rapid verification and retrieval during subsequent audits and transaction processing. This example ensures the security and privacy of authentication information during transmission and storage through encryption algorithms, while efficiently associating and managing transaction information through identifiers.

[0084] This application provides a management system including multiple nodes that are interconnected and collaborate through blockchain technology; the management system employs any of the methods described above.

[0085] like Figure 3 As shown, Figure 3 A flowchart illustrating a loan application method according to an embodiment of this application, the method being applied to the aforementioned management system, includes the following steps:

[0086] Step S301: Receive the loan request submitted by the user; the loan request includes loan information and a specified node.

[0087] Specifically, a user can apply for a loan from any node in the blockchain, providing loan information and specifying the node to which the user wishes to receive the loan.

[0088] In one embodiment, after receiving a loan request, the user's loan information and identity information are processed using an irreversible encryption algorithm. The identity is identified only by the encrypted result, preventing the leakage of sensitive information. Only after encryption is the user's loan information and identity information uploaded to the blockchain.

[0089] Step S302: Based on the loan request, obtain the preliminary loan plan generated by the designated node and send the preliminary loan plan to the user; the preliminary loan plan is generated by the designated node based on the user's transaction information; the transaction information includes the user's historical loan records, repayment information and loan amount.

[0090] Specifically, designated nodes provide preliminary loan proposals based on existing user transaction information in the blockchain, such as historical loan records, repayment information, loan amounts, and loan information, and upload these preliminary loan proposals to the blockchain; nodes receiving user loan requests send all preliminary loan proposals from designated nodes to the user.

[0091] Step S303: Receive the target loan plan sent by the user and complete the loan application; the target loan plan is selected by the user from the preliminary loan plans.

[0092] Specifically, based on the preliminary loan plan described above, the user determines the target loan plan, signs a contract with the node corresponding to the target loan plan, and completes the loan application. During this process, encrypted user information is used to match transaction information. Only the bank, which knows the user's real information, can know the real information corresponding to the transaction. This allows for controlled access to transaction data without exposing the user's identity. During the review process, due to on-chain data sharing, the bank can gain a clearer understanding of the user's assets and loan situation, avoiding increased risks caused by information asymmetry.

[0093] like Figure 4 As shown, Figure 4 This is a schematic diagram of the structure of a node access device provided in an embodiment of this application. The node access device 400 includes: a receiving module 401, used to receive an access request from a node to be accessed, the access request including the node's qualification information, identity authentication information, and transaction information; the transaction information includes the user's historical loan records, repayment information, and loan amount; a sending module 402, used to send an audit request to an audit node based on the access request; wherein, the audit node is a node with audit qualifications in the management system; the receiving module 401 is also used to receive the preliminary audit results returned by each audit node regarding the audit request, and generate a comprehensive audit result based on the preliminary audit results; and a processing module 403, used to determine the access of the node to be accessed based on the comprehensive audit result.

[0094] In one embodiment, the sending module 402 is used to extract authentication information from the access request; the authentication information includes a public key; encrypt the authentication information to generate an encrypted identifier; and send an audit request to the audit node; the audit request includes the identifier.

[0095] In one embodiment, the sending module 402 is used to convert the identity authentication information into a format suitable for processing by an irreversible encryption algorithm; generate an identifier by passing the converted identity authentication information through an irreversible encryption algorithm; the identifier is used to associate the identity authentication information and transaction information.

[0096] In one embodiment, the processing module 403 is used to determine the access node to be accessed when the comprehensive review result satisfies the following: the preliminary review results of all review nodes have passed and contain information signed with a private key.

[0097] In one embodiment, the processing module 403 is used to monitor whether there are any violations on each node; violations include data tampering, unauthorized access, and data leakage; based on the violations, the violating node is identified, and a penalty request is generated, which includes the identity authentication information of the violating node, the violation, and the penalty measures.

[0098] The node access device 400 provided in this embodiment can execute the method provided in the above method embodiment. Its implementation principle and technical effect are similar, and will not be described in detail here.

[0099] This application provides an electronic device, including: a processor, and a memory communicatively connected to the processor;

[0100] The memory stores instructions that the computer executes;

[0101] The processor executes computer-executable instructions stored in memory to implement any of the methods described above.

[0102] Figure 5 A schematic diagram of the structure of the electronic device provided in this application. Figure 5 As shown, the electronic device 500 provided in this embodiment includes at least one processor 501 and a memory 502. Optionally, the electronic device 500 further includes a communication component 503. The processor 501, memory 502, and communication component 503 are connected via a bus 504.

[0103] In a specific implementation, at least one processor 501 executes computer execution instructions stored in memory 502, causing at least one processor 501 to perform the above-described method.

[0104] The specific implementation process of processor 501 can be found in the above method embodiments, and its implementation principle and technical effect are similar. It will not be repeated here.

[0105] This application also provides a computer program product, including a computer program that, when executed by a processor, implements the above-described method.

[0106] This application also provides a computer-readable storage medium storing computer-executable instructions, which, when executed by a processor, implement the above-described method.

[0107] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that this application is not limited to the described order of actions, as some steps may be performed in other orders or simultaneously according to this application. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are all optional embodiments, and the actions and modules involved are not necessarily essential to this application.

[0108] It should be further noted that although the steps in the flowchart are shown sequentially according to the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowchart may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times. The execution order of these sub-steps or stages is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0109] It should be understood that the above-described device embodiments are merely illustrative, and the device of this application can also be implemented in other ways. For example, the division of units / modules in the above embodiments is only a logical functional division, and there may be other division methods in actual implementation. For example, multiple units, modules, or components may be combined, or integrated into another system, or some features may be ignored or not executed.

[0110] Furthermore, unless otherwise specified, the functional units / modules in the various embodiments of this application can be integrated into one unit / module, or each unit / module can exist physically separately, or two or more units / modules can be integrated together. The integrated units / modules described above can be implemented in hardware or as software program modules.

[0111] When integrated units / modules are implemented in hardware, the hardware can be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor can be any suitable hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC, etc. Unless otherwise specified, the storage unit can be any suitable magnetic or magneto-optical storage medium, such as Resistive Random Access Memory (RRAM), Dynamic Random Access Memory (DRAM), Static Random Access Memory (SRAM), Enhanced Dynamic Random Access Memory (EDRAM), High-Bandwidth Memory (HBM), Hybrid Memory Cube (HMC), etc.

[0112] If the integrated unit / module is implemented as a software program module and sold or used as an independent product, it can be stored in a computer-readable storage device (CMD). Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a memory and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods of the various embodiments of this application. The aforementioned memory includes various media capable of storing program code, such as a USB flash drive, read-only memory (ROM), random access memory (RAM), portable hard drive, magnetic disk, or optical disk.

[0113] In the above embodiments, the descriptions of each embodiment have their own emphasis. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments. The technical features of the above embodiments can be combined arbitrarily. For the sake of brevity, not all possible combinations of the technical features in the above embodiments are described. However, as long as the combination of these technical features does not contradict each other, it should be considered within the scope of this specification.

[0114] Other embodiments of this application will readily occur to those skilled in the art upon consideration of the specification and practice of the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of this application that follow the general principles of this application and include common knowledge or customary techniques in the art not disclosed herein. The specification and examples are to be considered exemplary only, and the true scope and spirit of this application are indicated by the following claims.

[0115] It should be understood that this application is not limited to the precise structure described above and shown in the accompanying drawings, and various modifications and changes can be made without departing from its scope. The scope of this application is limited only by the appended claims.

Claims

1. A node access method, applied to a management system consisting of multiple nodes, characterized in that, include: Receive an access request from a node to be accessed. The access request includes the node's qualification information, identity authentication information, and transaction information. The transaction information includes the user's historical loan records, repayment information, and loan amount. Based on the access request, an audit request is sent to the audit node; wherein, the audit node is a node in the management system that has audit qualifications; Receive preliminary review results regarding the review request returned by each of the review nodes, and generate a comprehensive review result based on the preliminary review results; The node to be connected is determined based on the comprehensive review results.

2. The method according to claim 1, characterized in that, The step of sending an audit request to the audit node based on the access request specifically includes: The identity authentication information is extracted from the access request; the identity authentication information includes a public key. The identity authentication information is encrypted to generate an encrypted identifier; The audit request is sent to the audit node; the audit request includes the identifier.

3. The method according to claim 2, characterized in that, The step of encrypting the identity authentication information to generate an encrypted identifier specifically includes: Convert the identity authentication information into a format suitable for irreversible encryption algorithms; The converted identity authentication information is used to generate an identifier through the irreversible encryption algorithm; the identifier is used to associate the identity authentication information and the transaction information.

4. The method according to claim 1, characterized in that, The process of determining the node to be accessed based on the comprehensive review results specifically includes: When the comprehensive review results meet the following conditions: the preliminary review results of all review nodes have passed and contain information signed using a private key, the node to be accessed is determined to be connected.

5. The method according to claim 1, characterized in that, The method further includes: Monitor each node for any violations; such violations include data tampering, unauthorized access, and data leakage. Based on the violation, the violating node is identified, and a penalty request is generated. The penalty request includes the identity authentication information of the violating node, the violation, and the penalty measures.

6. A node access device, characterized in that, include: The receiving module is used to receive access requests from nodes to be accessed. The access requests include the qualification information, identity authentication information, and transaction information of the nodes to be accessed. The transaction information includes the user's historical loan records, repayment information, and loan amount. The sending module is used to send an audit request to the audit node based on the access request; wherein the audit node is a node in the management system that has audit qualifications; The receiving module is further configured to receive preliminary review results regarding the review request returned by each of the review nodes, and generate a comprehensive review result based on the preliminary review results; The processing module is used to determine the node to be accessed when the comprehensive review result meets the preset conditions.

7. A management system, characterized in that, It includes multiple nodes, which are interconnected and collaborate through blockchain technology; The management system adopts the node access method as described in any one of claims 1-5.

8. A loan application method, applied to the management system described in claim 7, characterized in that, The method includes: Receive loan requests submitted by users; the loan requests include loan information and a specified node; Based on the loan request, a preliminary loan plan generated by the designated node is obtained and sent to the user; the preliminary loan plan is generated by the designated node based on the user's transaction information; the transaction information includes the user's historical loan records, repayment information, and loan amount. Receive the target loan proposal sent by the user and complete the loan application; the target loan proposal is selected by the user from the preliminary loan proposal.

9. An electronic device, characterized in that, include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executed instructions; The processor executes computer execution instructions stored in the memory to implement the method as described in any one of claims 1 to 5.

10. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method of any one of claims 1 to 5.

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