Credit-investigation data sharing and trading system based on block chain

Abstract

The invention relates to a credit-investigation data sharing and trading system based on a block chain. The credit-investigation data sharing and trading system comprises at least two P2P network nodes; the network nodes include a bottom block chain system and a credit-investigation data sharing platform operating on the bottom block chain system; and the credit-investigation data sharing platform comprises a data sharing module, a data evaluating module, a data inquiring and trading module and a block chain adaptation layer. According to the credit-investigation data sharing and trading system disclosed by the invention, a credible credit-investigation data sharing and trading platform is constructed by using a block chain technology; a specific data sharing mechanism, data inquiring mechanism, data trading mechanism and data evaluating mechanism are used; therefore, a credit-investigation data owner and a credit-investigation data demander can be attracted to use; therefore, a credit-investigation data provider can realize data transaction in a condition that data is protected; a credit-investigation data inquirer can obtain credit-investigation data; and thus, the risk control level can be completed.

Description

technical field [0001] The invention relates to a credit data sharing and transaction system, in particular to a blockchain-based credit data sharing and transaction system. Background technique [0002] The credit investigation system dominated by the central bank’s credit investigation cannot meet the operational needs of the financial market. As of 2014, the number of natural person credit files was 857 million minus the number of people with loan records by 350 million, and the central bank’s credit investigation data for 500 million people was blank. Credit information can be broadly classified into the following categories: [0003] The first is identity attributes, which refer to personal identification and authentication information, including name, gender, ID card, age, marriage and family, address, occupation, education level, etc. [0004] The second is the performance ability, which refers to the information used to evaluate the individual's repayment willingnes...

AI Technical Summary

Problems solved by technology

The company's alliance plan lacks a unified standard for data exchange and query, and lacks a series of mechanisms so that various participants can easily share data and query data

And it lacks a data protection mechanism, a technology-based trust mechanism, and an incentive mechanism to attract more people to share data

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