The invention discloses a
blockchain zero-knowledge proof collaborative credit
risk control data privacy protection query method, and belongs to the technical field of financial science and technology and
information security. According to the method, a four-layer architecture of a feature importance analysis layer, a zero-knowledge proof
verification layer, a block chain intelligent contract layer and an audit log layer is constructed, so that the contradiction between
privacy protection and
data availability in a traditional credit
risk control system is solved. According to the
system, an SHAP value is adopted to calculate feature importance, a zk-SNARKs
verification circuit is deployed for high-sensitivity features, zk-STARKs lightweight
verification is adopted for low-sensitivity features, and
differential privacy protection is achieved. And dynamically adjusting the complexity of a verification
algorithm according to the credit risk
score of the user, and realizing dynamic
authority control based on a verification result through an intelligent contract. The verification
metadata is recorded to the block chain to form a tamper-resistant auditing log, and it is ensured that the query process is transparent and traceable. According to the method, the real-time
risk control requirement is met while the privacy of the user is protected, and a compliant and efficient
data query solution is provided for financial institutions.