Inter-bank customer information exchange system based on block chain

Abstract

The invention discloses an inter-bank customer information exchange system based on a block chain. The system comprises the following functional modules: a client information input module, which enables a client to input information data and then forward the information data to a random node by a proxy bank and then uplinks the data to ensure that other banks cannot identify actual business proxybanks; an client information access application module which is used for initiating an information access application announcement after an information applicant bank searches a target client; a client information access authorization module which is used for obtaining a client authorization file and completing authorization confirmation after the client authorization file is verified by an information owner bank; and a client information transmission module which is used for authorizing confirmation information to trigger an intelligent contract to start an information transmission process and automatically transmitting client data through an off-chain network. The invention provides a solution for protecting data privacy among banks and simultaneously carrying out specific data sharing,the bank industry customer information quality is integrally improved by utilizing a block chain technology, and a system for acquiring other bank data at low cost and improving the KYC working efficiency is realized.

Description

technical field [0001] The invention relates to the field of information exchange based on block chains, in particular to an inter-bank customer information exchange system based on block chains. Background technique [0002] Blockchain technology, as a new underlying technology in the post-Internet era, is essentially a distributed ledger that integrates technologies such as consensus mechanisms, cryptography algorithms, and privacy protection methods. It is decentralized, non-tamperable, autonomous, Basic features such as anonymity can support multi-party peer-to-peer transactions and trusted storage of data in a weak trust network. [0003] KYC and anti-money laundering (AML) work is the focus of commercial bank compliance work, and now KYC work is facing new challenges. On the one hand, the development of financial technology has shifted financial scenarios to online, and the diversification of financial scenarios has brought about the diversification of customer inform...

AI Technical Summary

Problems solved by technology

Affected by this, commercial banks have to implement stricter and more cumbersome KYC procedures. The long KYC information collection process will affect the experience of end customers and slow down the service process

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