CN-121998754-A - Method for full-flow blockchain evidence preservation of universal credit serial connection

CN121998754ACN 121998754 ACN121998754 ACN 121998754ACN-121998754-A

Abstract

The invention relates to the technical field of customer credit, in particular to a method for storing block chain certificates of a full-flow serial credit. The invention adopts the method of hashing and then linking the certificate storing hash ciphertext of the last general credit flow node and the data to be linked in the current credit link, thereby ensuring the true validity and business continuity of the whole flow certificate storing data before, during and after the credit in the general credit business and improving the approval of the judicial institutions.

Inventors

ZHONG ZHIHAO
MA YIN
YANG ZIHAO
Yao Minkang

Assignees

上海银行股份有限公司

Dates

Publication Date: 20260508
Application Date: 20260127

Claims (8)

1. The method for proving the universal credit serial full-flow blockchain is characterized by comprising the following steps of: S1, when a customer transacts a universal credit service in an external partner channel cooperated with a bank, filling in uploading basic identity data, checking the basic identity data by an external partner, transmitting the basic identity data to a universal credit system in a line, and transmitting the basic identity data to a blockchain evidence storage system after the authenticity of the basic identity data is authenticated by the universal credit system, and hashing the basic identity data by the blockchain evidence storage system to obtain a first evidence storage number of the present evidence storage transaction; The blockchain certification system stores the primary identity data original text, the hash ciphertext and the first certification number of the client of the whole transaction to a corresponding storage table, and returns the first certification number of the certification transaction to the universal credit system; S2, the general credit system calls and acquires enterprise operation index data through the basic identity data of the client and sends the enterprise operation index data to an in-line wind control model system for risk assessment, after the assessment is completed, the general credit system packages and sends risk assessment data and a first certificate number to a blockchain certificate storage system, and after the blockchain certificate storage system receives the first certificate number, the hash ciphertext data associated with the first certificate number in a database storage table is queried, hashes with the risk assessment data, and a second certificate number of the present certificate transaction is obtained; the blockchain certification system stores the risk assessment data original text, the hash ciphertext, the first certification number and the second certification number of the certification transaction to a corresponding storage table, and returns the second certification number to the universal credit system; S3, after confirming the corresponding credit line of the client credit service and subsequently issuing the loan, the general credit system packages and sends the loan data and the second certificate number to the blockchain certificate system, and after receiving the second certificate number, the blockchain certificate system inquires hash ciphertext data associated with the second certificate number in a database storage table, hashes the hash ciphertext data with the loan data and obtains a third certificate number of the current certificate transaction; the blockchain certification system stores the loan data original text, the hash ciphertext, the second certification number and the third certification number of the certification transaction to a corresponding storage table, and returns the third certification number to the general credit system; S4, tracking the post-credit data of the client by the general credit system, packaging the post-credit data and the third certificate number, sending the data to the blockchain certificate system, and inquiring hash ciphertext data related to the third certificate number in a database storage table after the blockchain certificate system receives the third certificate number, carrying out hash together with the post-credit data, and obtaining a fourth certificate number of the present certificate transaction; The blockchain certification system stores the post-loan data original text, the hash ciphertext, the third certification number and the fourth certification number of the certification transaction to a corresponding storage table, and returns the fourth certification number to the general credit system.
2. The method for universal credit tandem full-block chain inventory according to claim 1, wherein in S1 to S4, after the hash, the uplink certificate is sent to the node of the block chain outside the row, and the block chain outside the row returns each certificate number of the present certificate transaction.
3. The method for universal credit tandem full-flow blockchain forensics of claim 1, wherein the basic identity data includes a business name, a business card number, a business license image piece, a legal name, an identification card number, and an identity image piece.
4. The method of universal credit tandem full-block chain certification of claim 1, wherein the enterprise business index data includes enterprise stakeholder information, litigation records, and law credit records.
5. The method of universal credit tandem full-blockchain inventory of claim 1, wherein the risk assessment data includes risk assessment parameters, risk assessment results, and assessment time.
6. The method of full-blockchain credit in-line with universal credit as in claim 1, wherein the loan data includes credit line, amount of money released, time of money released, and customer bank card number.
7. The method of universal credit tandem full-blockchain certification of claim 1, wherein the post-credit data of the customer includes credit data of the customer, litigation records, whether on-time repayment records, and query time.
8. The method for serial-type full-flow blockchain forensics of universal credit according to claim 1, wherein the universal credit system stores a fourth forensics number in a database, and when a subsequent client breaks a dispute, the fourth forensics number is provided to the blockchain forensics system, the blockchain forensics system sequentially acquires the third forensics number, the second forensics number and the first forensics number, and the data primitive of the corresponding step, hashes the data primitive of each step, and compares the data primitive with the data in the chain to confirm the consistency of the data, and the occurrence sequence of the serial transaction flow.

Description

Method for full-flow blockchain evidence preservation of universal credit serial connection Technical Field The invention relates to the technical field of customer credit, in particular to a method for storing block chain certificates of a full-flow serial credit. Background As a large number of traditional financial services turn to digitization, the convenience of developing financial services is greatly promoted, but at the same time, greater challenges are presented. The data in the online general credit handling links are stored in a circulating way between each system and even across institutions, only log records cannot prove the complete authenticity of the business handled by a customer, and the business data of a certain link is subjected to the online evidence, so that the authenticity of the data of the link can be proved, but the online data of each link is higher in isolation, the evidence-storing data of each link is too scattered, and the online data of a single whole-flow business cannot be effectively connected in series. Thus causing difficulty in bank side evidence after a general client breach. Therefore, it is necessary to provide a method for full-flow blockchain evidence preservation of the universal credit in series, so as to reduce the risk of evidence dispersion in the universal credit business, improve the authenticity and business continuity of the evidence, and improve the acceptance of the universal credit full-flow evidence by the judicial authorities. Disclosure of Invention The invention aims to provide a method for storing the full-flow block chain of the common credit in series, which is used for reducing the risk of evidence dispersion of the common credit in the common credit business, improving the authenticity and business continuity of the evidence, and improving the acceptance of the judicial authorities on the full-flow evidence of the common credit. In order to solve the problems in the prior art, the invention provides a method for storing the full-flow blockchain of the serial credit of the universal credit, which comprises the following steps: S1, when a customer transacts a universal credit service in an external partner channel cooperated with a bank, filling in uploading basic identity data, checking the basic identity data by an external partner, transmitting the basic identity data to a universal credit system in a line, and transmitting the basic identity data to a blockchain evidence storage system after the authenticity of the basic identity data is authenticated by the universal credit system, and hashing the basic identity data by the blockchain evidence storage system to obtain a first evidence storage number of the present evidence storage transaction; The blockchain certification system stores the primary identity data original text, the hash ciphertext and the first certification number of the client of the whole transaction to a corresponding storage table, and returns the first certification number of the certification transaction to the universal credit system; S2, the general credit system calls and acquires enterprise operation index data through the basic identity data of the client and sends the enterprise operation index data to an in-line wind control model system for risk assessment, after the assessment is completed, the general credit system packages and sends risk assessment data and a first certificate number to a blockchain certificate storage system, and after the blockchain certificate storage system receives the first certificate number, the hash ciphertext data associated with the first certificate number in a database storage table is queried, hashes with the risk assessment data, and a second certificate number of the present certificate transaction is obtained; the blockchain certification system stores the risk assessment data original text, the hash ciphertext, the first certification number and the second certification number of the certification transaction to a corresponding storage table, and returns the second certification number to the universal credit system; S3, after confirming the corresponding credit line of the client credit service and subsequently issuing the loan, the general credit system packages and sends the loan data and the second certificate number to the blockchain certificate system, and after receiving the second certificate number, the blockchain certificate system inquires hash ciphertext data associated with the second certificate number in a database storage table, hashes the hash ciphertext data with the loan data and obtains a third certificate number of the current certificate transaction; the blockchain certification system stores the loan data original text, the hash ciphertext, the second certification number and the third certification number of the certification transaction to a corresponding storage table, and returns the third certification number to the general credit system; S4, tr