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Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method

A technology of online lending and keywords, applied in the research field of online lending services, can solve the problem of borrowers' unwillingness to disclose personal information, and achieve the effect of ensuring authenticity, improving privacy and security, and protecting privacy.

Inactive Publication Date: 2016-08-03
SOUTH CHINA AGRI UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

From the perspective of personal privacy and information security, in many cases, borrowers with acquaintances are unwilling to disclose their personal information, which contradicts the existing P2P network lending model

Method used

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  • Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method
  • Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method
  • Encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method

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Embodiment

[0061] Such as figure 1 As shown, the system designed by the present invention is composed of five entities, namely the borrower, the lender, the cloud matching platform, the guarantee platform, and the social platform. In this system, each entity plays a different role. The borrower can be anyone in real life, as long as he / she has the need to borrow funds, and there is no way to raise funds through normal channels, he / she can join the system. Lenders are people who have a lot of idle funds in real life. They have the need to provide their own funds to others and obtain higher income than bank deposits. At the same time, they also hope to protect the safety of funds to the greatest extent. The cloud matching platform is a website system where users can complete a series of behaviors such as registration, borrowing, and lending funds. The guarantee platform is a fund supervision platform (usually a bank) that is trusted by the borrower, the lender and the matching platform t...

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Abstract

The present invention discloses an encrypted keyword search-based bidirectional anonymity trusted network debit and credit system and method. The system is composed of a cloud matching platform and is communicated with a social platform and a guarantee platform to operate, the cloud matching platform matches a debit side and a credit side and analyzes the credit capability of the debit side, the guarantee platform is used to guarantee a financial transaction process, and the social platform is used to communicate with the cloud matching platform to obtain the acquaintance information data. The debit side is the initiator of a debit request, and the credit side is the provider of the credit fund. In the encrypted keyword search-based bidirectional anonymity trusted network debit and credit system of the present invention, the debit side does not need to publicize the personal information, and the system carries out the weighted calculation on the information provided by a user and the trust value obtained by the encrypted search on the social platform to obtain an acquaintance relationship index between the debit side and the credit side, thereby matching the debit and credit behaviors of the debit side and the credit side under the anonymity premise, and improving the privacy and the safety of the debit and credit behaviors.

Description

technical field [0001] The invention relates to the research field of network lending services, in particular to a two-way anonymous and trusted network lending system and method based on encrypted keyword search. Background technique [0002] After the 21st century, Internet technology has developed into a new era, network coverage has been greatly improved, and network service quality has been fundamentally improved. Against this background, convenient, easy-to-use, and low-threshold online lending services have gradually become popular. However, some traditional online lending is carried out between strangers, and some require borrowers to disclose their personal information and borrowing purposes so that lenders can evaluate their creditworthiness. For many people who are unwilling to disclose their personal information, the existing online lending model cannot meet the demand. [0003] P2P network lending refers to person-to-person or peer-to-peer network lending. It ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06Q50/00
CPCG06Q50/01G06Q40/03
Inventor 李西明王钦云郭玉彬马莎祝胜林杜志国黄琼
Owner SOUTH CHINA AGRI UNIV
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