The invention discloses a universal financial
system for protecting commercial
confidentiality. The universal financial
system comprises a user module, a business
system module, a plurality of loan institution modules and a joint calculation module, the user module generates a key pair and sends the public key and the user ID to the
service system module; the business system module sends the public key and the user ID to the loan institution module; the loan institution module homomorphic encrypts the inquired loan amount of the user to obtain first amount
encryption information, and sends thefirst amount
encryption information, the user ID and the public key to the joint calculation module; the joint calculation module performs
homomorphic encryption on the plurality of parts of first amount
encryption information to obtain second amount encryption information and sends the second amount encryption information to the
service system module; the business system module sends the secondamount of encrypted information to the user module; and the user module decrypts the second amount encryption information to obtain a total loan amount. According to the universal financial system forprotecting the commercial
confidentiality, the total amount of loans of a user in a plurality of loan institutions is inquired through a
homomorphic encryption algorithm.