Credit verification method and system

Abstract

The invention discloses a credit verification method and system, the system comprises a proof providing module arranged at a provider and a verification module arranged at a third party, the proof providing module is used for receiving a credit verification request and obtaining user information and a credit score range carried in the credit verification request; obtaining a credit score of a user corresponding to the user information, taking the obtained credit score and the credit score range as input, calling a zero-knowledge range proof algorithm to obtain a corresponding credit statement, and sending the credit statement; the verification module is used for sending the credit verification request; and receiving the credit declaration, taking the credit declaration as input to call the zero-knowledge-range proof algorithm, and obtaining a result whether the credit score of the user corresponding to the user information in the credit verification request is within the credit score range or not. Therefore, the credit information providing method and the credit information providing device can conveniently provide the credit information of the user on the premise of ensuring the security and the privacy.

Description

technical field [0001] The present invention relates to the technical field of credit investigation, and more specifically, to a credit verification method and system. Background technique [0002] With the development of Internet technology and the continuous improvement of the social credit system, credit reports / credit scores are widely used in commercial credit sales, credit transactions, recruitment and job hunting, etc., especially credit scores, which can be simply used to judge a person Merchants provide corresponding services according to the credit status of the credit score. For example, when the Zhima score of a certain software is greater than a certain value, it can be rented without a deposit, etc. [0003] The current way of providing credit scores is generally through paper or electronic credit reports certified by authoritative structures such as banks. Obviously, in addition to low privacy, this method may also be attacked by network sniffing and man-in-t...

AI Technical Summary

Problems solved by technology

[0003] The current way of providing credit scores is generally through paper or electronic credit reports certified by authoritative structures such as banks. Obviously, in addition to low privacy, this method may also be attacked by network sniffing and man-in-the-middle, so the security is low

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