Blockchain Credit Recording via Hash Digest Privacy
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Solution Overview
Problem
Current credit systems are centralized and private, leading to inefficiencies and a lack of transparency, as well as concerns over user privacy when sharing behavior data for credit evaluation, resulting in resource wastage and potential privacy invasions.
Innovation Solution
A blockchain-based credit recording and querying system that uses a reversible conversion of user identifiers to hash digests, allowing for secure and transparent credit score calculation and storage on a blockchain, enabling fair and public credit evaluation while protecting user privacy.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If user behavior data is shared for credit evaluation in centralized systems, then credit score accuracy is improved, but user privacy is compromised
Solution Approach 1:
The patent introduces blockchain technology as an intermediary layer between user behavior data and credit evaluation systems. The blockchain network acts as a trusted mediator that enables data sharing for credit scoring while preserving user privacy through its cryptographic mechanisms and distributed architecture, preventing any single entity from accessing raw personal data.
Solution Approach 2:
The patent creates cryptographic copies of user data in the form of hash values and encrypted records stored on the blockchain. These copies enable credit evaluation systems to verify and process behavior data without accessing the original sensitive information, thus maintaining privacy while achieving accurate credit assessment.
2Adaptability or versatility
If multiple service systems independently evaluate user credit, then service versatility is improved, but resource wastage increases
Solution Approach 1:
The patent merges multiple independent credit evaluation systems into a unified blockchain-based credit network. Different service systems can contribute their evaluation criteria and data to the shared blockchain infrastructure, eliminating redundant computational efforts while maintaining the ability to provide diverse credit assessment services across different domains.
Solution Approach 2:
The blockchain-based credit system provides universal functionality that serves multiple service systems simultaneously. The same blockchain network and smart contracts can be utilized by various service providers for different types of credit evaluations, making the system multi-functional and eliminating the need for each system to build its own independent evaluation infrastructure.
3Device complexity
If centralized credit systems are used, then system complexity is reduced, but transparency and fairness deteriorate
Solution Approach 1:
The patent segments the credit evaluation system into distinct functional layers: data collection, blockchain storage, smart contract execution, and result verification. This segmentation allows the system to maintain operational simplicity at each layer while achieving overall transparency through the immutable and distributed nature of the blockchain, where each segment's operations are visible and verifiable.
Data Source
AI summary
Implementations of this specification provide blockchain-based recording and querying methods and apparatuses. An example method includes operations performed by an access gateway, including receiving, from a first service system, user data including a user identifier of a user; transmitting, to an identifier hash system, a first hash request for the user identifier; receiving, from the identifier hash system, a hash digest of the user identifier; replacing the user identifier in the user data with the hash digest of the user identifier, and packaging the user data into a storage transaction; transmitting, to a blockchain, the storage transaction; receiving, from the blockchain, a result of the storage transaction having been performed by a smart contract published by the first service system on the blockchain; and providing, to the first service system, the result of the storage transaction.