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Credit Data, Model Guarantee and Verification Method Based on Block Chain

A verification method and blockchain technology, applied in the field of model warranty and verification, and credit data, can solve problems such as model and tampering that it is difficult for banks to confirm whether the original data is complete and credible credit evaluation, so as to protect data confidentiality, The effect of preventing malicious tampering and compressing storage space

Inactive Publication Date: 2019-01-01
南京安链数据科技有限公司
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  • Abstract
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AI Technical Summary

Problems solved by technology

However, at this time, it is difficult for the bank to confirm whether the original data is complete and credible, whether the credit evaluation model is reliable, whether a third-party institution has tampered with the data or results, etc.; the credit of the credit reference object may also change with time. Credit business also needs to track changes in the credit of credit reference objects in a timely manner

Method used

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  • Credit Data, Model Guarantee and Verification Method Based on Block Chain
  • Credit Data, Model Guarantee and Verification Method Based on Block Chain

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Embodiment Construction

[0028] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention.

[0029] Here, we assume that there are three user entities, namely bank A, the demand side of personal credit information, credit agency B, the executor of credit investigation and the provider of the model, and company C, the provider of original credit information data. We assume that bank A needs to conduct credit investigation on company C through credit investigation agency B, and needs to verify a certain credit information after the credit investigation is completed.

[0030] figure 1 An embodiment of the application is shown, that is, a schematic diagram of a blockchain-based credit evaluation and data security system, which shows the interaction between vario...

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Abstract

The invention discloses a warranty and verification method of credit data and credit model based on block chain. The method comprises the following steps: (1) a provider of credit data links the HASHvalue of the original data; (2) the HASH value of the model, the HASH value of the model result data, the model version and the request ID are recorded on the link; (3) bank or other personal information users audit the data, that is, compare the data on the chain with the original data, audit and verify the evaluation data and model. The invention guarantees the safety, reliability, traceabilityand verifiability of the credit evaluation data, thereby effectively reducing the disputes caused by the information opacity in the credit investigation process, preventing the damage caused by malicious tampering of the credit investigation data, and meeting the actual use demand.

Description

technical field [0001] The invention relates to the technical field of block chains, in particular to a method for securing and verifying credit data and models based on block chains. Background technique [0002] In the process of credit loan business development, banks or other personal information users need information and data about customers to evaluate the credit status of customers. However, customers have very high requirements for data confidentiality, so under normal circumstances, the data in the enterprise will not be allowed to be opened to the outside world. In the traditional credit investigation method, banks or other personal information users will entrust the calculation of credit investigation to a third-party organization. However, at this time, it is difficult for the bank to confirm whether the original data is complete and credible, whether the credit evaluation model is reliable, whether a third-party institution has tampered with the data or result...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F21/64
CPCG06F21/64G06Q40/03
Inventor 李刚
Owner 南京安链数据科技有限公司
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