Disclosure of Invention
Aiming at the problems in the prior art, the invention provides an internet-based intelligent engineering transaction credit investigation system which is convenient to examine credit investigation and safe to obtain credit investigation information.
The invention is realized by the following technical scheme:
the invention provides an intelligent engineering transaction credit investigation system based on the Internet, which is arranged on a B2B cloud platform of the Internet, and comprises a transaction data credit investigation module and a past qualification credit investigation module;
the transaction data credit investigation module is used for obtaining transaction data between the engineering transaction areas on the engineering transaction block shared with the B2B cloud platform data;
the past qualification credit assessment module is used for obtaining qualification credit assessment data through an external access network or through an engineering transaction block shared with the B2B cloud platform data; wherein the engineering trading block stores links of the corresponding trading areas.
Preferably, the credit investigation system further comprises an information privacy protection module, which is used for transmitting the transaction data obtained by the transaction data credit investigation module and/or the qualification credit investigation data obtained by the past qualification credit investigation module to a related transaction party after data transmission encryption;
preferably, the transaction data credit investigation module comprises a transaction data acquisition unit, and is used for acquiring the transaction data on the engineering transaction block within the authority range according to the transaction acquisition authority.
Preferably, the transaction data credit investigation module further comprises a transaction data statistics unit, which is used for counting the data of the transaction between the same transaction party and other transaction parties acquired by the transaction data acquisition unit and forming a transaction statistics cache table.
Preferably, the transaction data credit investigation module further comprises a transaction data set acquisition unit, which is used for acquiring the transaction data of a plurality of transaction parties among the engineering transaction blocks on the engineering transaction transmission block in the authority range according to the transaction acquisition authority, wherein the engineering transaction transmission block stores the link of the corresponding engineering transaction block.
Preferably, the transaction data credit investigation module further comprises a transaction data set acquisition unit, which is used for acquiring transaction set data formed by a plurality of transaction parties in the engineering transaction transmission block by the statistical transaction data set acquisition unit.
Preferably, the past qualification credit module includes:
the external checking unit is used for checking the qualification credit data of the transaction party in the aspects of industrial and commercial affairs, tax, finance, government law, house management, industry association and media through an external access network;
the internal checking unit is used for inquiring qualification credit data generated according to the transaction condition of the transaction area through the engineering transaction block;
the transaction condition is data formed by the transaction processing unit in the transaction block counting transaction objects, transaction contents, transaction duration and transaction results.
Preferably, the past qualification credit module further comprises a past qualification credit statistic unit for counting the past qualification data obtained by the external inspection unit and/or the internal inspection unit and forming a past qualification statistical cache table.
Preferably, the past qualification credit module further comprises an updating unit, which is used for comparing the qualification credit data obtained by the external checking unit and/or the internal checking unit with the qualification credit data in the past qualification statistics cache table, and updating the past qualification statistics cache table if new qualification credit data exists.
Preferably, the information privacy protection module comprises
The first encryption unit is used for carrying out electronic signature and encryption on transaction data acquired from the engineering transaction block;
the second encryption unit is used for carrying out electronic signature and encryption on qualification credit data on an engineering transaction block shared with the B2B cloud platform data;
and the third encryption unit is used for merging the transaction data acquired from the engineering transaction block and qualification credit data on the engineering transaction block shared by the B2B cloud platform data, performing electronic signature and encrypting.
Preferably, the information privacy protection module further includes a key distribution unit, configured to send keys temporarily generated by the first encryption unit, the second encryption unit, and the third encryption unit during encryption to related transaction parties.
The invention has the following beneficial effects:
the intelligent engineering transaction credit investigation system based on the Internet is realized by adopting a B2B platform and a block chain technology, so that each link of an intelligent engineering can select a proper and reliable transaction party through the acquired credit investigation information, and the acquired credit investigation information is complete, reliable and safe.
Detailed Description
The following are specific embodiments of the present invention and are further described with reference to the drawings, but the present invention is not limited to these embodiments.
Intelligent engineering often has a plurality of links, and the participant in each link has respective engineering transaction content. A typical intelligent project includes more than ten participants, such as suppliers, logistics parties, finance parties, engineering parties, tenderers, owners, designers, supervisors, maintainers, government parties, and the like. If the supplier is in supply relation with the engineering party, the construction product buying and selling transaction activities are carried out, if the logistics party is in delivery relation with the supplier, the product transportation transaction activities are carried out, if the tenderer is in tendering relation with the engineering party, the engineering tendering transaction activities are carried out, and other transaction activities are not listed. When a certain trading party, such as a tenderer, wants to find a satisfactory engineering party for tendering, credit investigation information of the engineering party needs to be known, including whether bad financial conditions exist in the financial aspect, whether tax evasion problems exist in the tax aspect, whether construction qualification is of a first level or a second level, and past engineering achievements, such as folk credibility and the like, and the information needs to be known through various channels, and the information is difficult to know after being dynamically updated, and whether the obtained information is tampered and other unsafe factors cannot be confirmed. Therefore, a credit investigation system is needed to store, transmit and acquire various credit investigation data of transaction parties based on a B2B platform and a block chain technology, so that each transaction party can obtain real, reliable and timely credit investigation data, and intelligent engineering can be effectively developed.
Fig. 1 shows an internet-based intelligent engineering transaction credit investigation system provided on a B2B cloud platform. The credit investigation system is used for a transaction system based on a block chain technology component. The transaction system comprises a plurality of engineering transaction areas and a plurality of engineering transaction blocks. Each engineering trading block is arranged between any two engineering trading areas where trading occurs. And each engineering trading block carries out data sharing with the related engineering trading area, and each engineering trading block carries out data sharing with the B2B cloud platform. The data sharing mode between the engineering transaction block and the engineering transaction area is realized by a block chain technology.
The B2B cloud platform comprises an Internet and an intelligent engineering platform. Transaction data storage, access and supervision are carried out on a unified intelligent engineering platform through the Internet technology. Each trading party can obtain various trading data according to respective needs through the intelligent platform.
The engineering trading areas are communicated with the cloud platform through the Internet technology in a materialized trading area, or are communicated with the B2B cloud platform in a virtual trading area similar to a cloud division mode, and each engineering trading area represents a trading party, such as a supplier, a logistics party and a bidding party in engineering.
When business transaction occurs between the engineering transaction areas, the transaction data are processed and stored in the connected engineering transaction blocks. Each engineering trading area involved in each single business trading exchange stores data into the corresponding engineering trading block. Specifically, transaction data occurring between the logistics party and the supplier is stored in the logistics-supply engineering transaction block, and data of the logistics transaction area and the supply transaction area, and transaction data of both parties are stored in the logistics-supply engineering transaction block. Wherein, a part of the storage space of the engineering trading block is used for storing the link, and a part of the storage space is used for storing the engineering trading area data and the engineering trading area trading data of the trading. The engineering trading area data comprises various qualification information, asset information and the like of a party represented by the engineering trading area. The engineering transaction area transaction data comprises transaction contracts, transaction results and transaction display contents, wherein the transaction results are stored in a form of < transaction time transaction contents of transaction type transaction objects >, the transaction result contents contain internal non-disclosure data and intellectual property protection data, and the transaction display contents are transaction information which can be consulted by the public. The transaction data is stored in the form of a ledger.
As shown in fig. 1, the credit investigation system comprises a transaction data credit investigation module, a past qualification credit investigation module and an information privacy protection module. Any trading party can obtain the trading data between the engineering trading areas on the engineering trading block shared with the B2B cloud platform data through the trading data credit investigation module, and can also obtain the qualification credit investigation data on the engineering trading block shared with the B2B cloud platform data through an external access network through the qualification credit investigation module. And then, the transaction party transmits the transaction data obtained by the transaction data credit investigation module and/or the qualification credit investigation data obtained by the past qualification credit investigation module to a related transaction party after data transmission encryption processing through an information privacy protection module. For example, when a transaction occurs between the logistics party A and the supplier A, the transaction data between the logistics party A and the supplier A, which is obtained by the transaction data credit investigation module, and/or the respective qualification credit investigation data of the logistics party A and the supplier A are transmitted to the construction party A after being encrypted by data transmission, so that the construction party A can carry out reasonable construction and can not transmit to an irrelevant construction party B, and the information can be ensured to be secretly and safely in a certain range.
Specifically, the transaction data credit investigation module comprises a transaction data acquisition unit, and is used for acquiring transaction data on the engineering transaction block within the authority range according to the transaction acquisition authority. And the transaction acquisition authority is stored in a transaction party authority module in the credit investigation system. The trading party authority module comprises an access authority distribution unit, and the unit is used for distributing authority to trading parties, namely different trading parties allow access to trading data on different engineering trading blocks. For example, if a supplier wants to obtain transaction data of a plurality of logistics parties to select a proper logistics party, the access rights of a first engineering transaction block of the logistics party and the first supplier, a second engineering transaction block of the logistics party and the first supplier, and a third engineering transaction block of the logistics party and the first supplier are disclosed to the supplier, and the supplier selects a proper logistics party after knowing the relevant transaction data. Meanwhile, the supplier does not have the right to access other engineering transaction blocks, such as the engineering transaction blocks of the logistics party A and the engineering party A. In addition to assigning access rights, the acquisition of the transaction data on the engineering transaction block or the engineering transaction transfer block by the transaction data acquisition unit also depends on the storage level of the different transaction data in the engineering transaction block or the engineering transaction transfer block.
The transaction data acquisition unit can acquire the data of transactions between different transaction parties and other transaction parties, and in order to know the transaction history condition of each transaction party and conveniently select a proper transaction party, the transaction data credit investigation module further comprises a transaction data statistics unit. The transaction data counting unit is used for counting the data of the transaction between the same transaction party and other transaction parties acquired by the transaction data acquisition unit and forming a transaction counting cache table. The transaction statistics cache table comprises a supplier A, a logistics party A, transaction contents of the supplier A and the logistics party A, and transaction results of the supplier A and the logistics party A; the supplier A, the construction A, the transaction content of the supplier A and the construction A, and the transaction result of the supplier A and the construction A; supplier A, finance A, the trade content between supplier A and finance A, and the trade result … …' between supplier A and finance A are stored. When a trading party in a certain link of the intelligent engineering needs to select a proper downstream or upstream trading party, the trading situation can be obtained through a trading statistic cache table in the B2B cloud platform.
When the transaction system further comprises engineering transaction transfer blocks, each engineering transaction transfer block is arranged between any two engineering transaction blocks. Each engineering transaction transfer block shares data with its corresponding engineering transaction block. The data sharing mode between the engineering transaction transmission block and the engineering transaction block is realized by a block chain technology. The engineering transaction transmission block comprises a total transaction unit storing engineering transaction block total transaction data and a link with the engineering transaction block. The general transaction unit stores transaction transactions in engineering transaction blocks linked with the general transaction unit, such as transaction data of a logistics-supply engineering transaction block and transaction data of a supply-financial engineering transaction block stored in an engineering transaction transfer block. The transaction data credit investigation module also comprises a transaction data set acquisition unit which is used for acquiring transaction set data formed by a plurality of transaction parties in the engineering transaction transmission block by the statistical transaction data set acquisition unit. When a transaction party, such as an owner, needs to find transaction parties in each link to complete the whole intelligent project, if the transaction parties are known one by one, time is obviously wasted, and if the transaction parties with a constructed construction chain are integrally known, the project establishment efficiency is improved. For this purpose, the transaction data credit investigation module further comprises a transaction data set statistical unit. The transaction data set counting unit is used for counting the transaction data of the transaction data set acquisition unit and forming a transaction set counting cache table. The transaction set statistics cache table comprises a supplier A, a logistics party A, transaction contents of the supplier A and the logistics party A, and transaction results of the supplier A and the logistics party A; the first logistics party, the first financial party, the transaction contents of the first logistics party and the first financial party, and the transaction results of the first logistics party and the first financial party; the financial side A, the construction side A, the transaction content of the financial side A and the construction side A, and the transaction result … …' of the financial side A and the construction side A are stored.
Considering that the transaction party performs the transaction in real time, and the conditions of transaction contents, transaction objects and the like are changed in real time, the transaction data credit investigation module further comprises a refreshing unit. The refreshing unit acquires the stored transaction data from the engineering transaction block or the engineering transaction transmission block and compares the transaction data with the transaction statistics cache table, and if new data exist, the transaction statistics cache table is updated. The transaction set statistics cache table can be updated in a refreshing mode of the transaction statistics cache table, or specific information can be updated according to the updating condition of the transaction statistics cache table.
The past qualification credit module comprises an external checking unit and an internal checking unit. Any party has credit record in the aspects of industry and commerce, tax, finance, government, house management, industry association and media. For example, a financial institution, a people bank may perform credit assessment on a transaction party, whether there is debt, whether there is a periodic repayment, and whether there is a repayment capability. For example, the tax bureau evaluates the tax payment condition of the transaction party, whether to pay the tax on time or not, and whether to pay the tax on actual sales. For example, the market reputation is evaluated by the bureau of industry and commerce, regular annual inspection and the like. For example, the government department, the construction bureau or the credit bureau evaluates the system set, the security and protection qualification and the like of the transaction party. For example, legal authorities, court houses, police offices, and the like perform legal evaluation on whether a transaction party violates operations, infringement operations, and the like. For example, a civil credit agency, industry association, works on whether a party to a transaction is working according to industry specifications. For example, the media news agency, at great visions 315, has a bad record of whether the transaction party is being exposed to an illegal job. Then, the information related to each aspect can be used for checking the qualification credit data of the transaction party in the aspects of industry and commerce, tax, finance, government law, house management, industry association and media through the external checking unit and the external access network. And accessing the extranet through an external checking unit in a mode of embedding a special client or an embedded browser in the platform, and sharing the inquired information. Because the information is public, the confidentiality is not involved, and the channels for checking the credit investigation information in the aspects are legal and accurate information.
The qualification credit data obtained by the external checking unit only represents the authenticity and reliability of the trading party, and if a more powerful trading party needs to be selected from a plurality of trading parties under the same qualification, the internal checking unit needs to be passed. The internal checking unit, the B2B platform, inquires the qualification credit data generated according to the transaction condition of the transaction area through the engineering transaction block. The transaction condition is data formed by the transaction processing unit in the transaction block counting transaction objects, transaction contents, transaction duration and transaction results.
In order to facilitate checking of the qualification credit data, the past qualification credit module further comprises a past qualification credit statistical unit for counting the qualification credit data obtained by the external checking unit and/or the internal checking unit and forming a past qualification statistical cache table. The past qualification statistics cache table can have 3 types, and 1 type is specially used for storing the qualification credit data obtained by the external checking unit, and the qualification credit data is stored in the forms of 'transaction party A, financial information, tax verification, legal evaluation, … …' and the like. The class 2 is specially used for storing the qualification credit data obtained by the internal checking unit so as to obtain' a supplier A, a logistics party A, the transaction contents of the supplier A and the logistics party A, and the transaction results of the supplier A and the logistics party A; the supplier A, the construction A, the transaction content of the supplier A and the construction A, and the transaction result of the supplier A and the construction A; the supplier A, the financial part A, the transaction content of the supplier A and the financial part A, the transaction result … … ' of the supplier A and the financial part A, or ' the supplier A, the logistics part A, the transaction content of the supplier A and the logistics part A, the transaction result of the supplier A and the logistics part A '; the first logistics party, the first financial party, the transaction contents of the first logistics party and the first financial party, and the transaction results of the first logistics party and the first financial party; the financial side A, the construction side A, the transaction content of the financial side A and the construction side A and the transaction result … …' of the financial side A and the construction side A are stored, wherein the content of a past qualification statistical cache table formed by qualification credit data obtained by the internal checking unit is not less than a transaction statistical cache table or a transaction set statistical cache table. The class 3 is specially used for the set of the class 1 and the class 2, and the qualification credit data inspected inside and outside of a plurality of transaction parties are stored in the form of qualification credit data inspected outside and inside corresponding to one transaction party.
In consideration of real-time updating of data of each link of the intelligent engineering, in order to ensure that the latest cache table information can be read, the past qualification credit module further comprises an updating unit, which is used for comparing the qualification credit data obtained by the external checking unit and/or the internal checking unit with the qualification credit data in the past qualification statistical cache table, and if new qualification credit data exists, updating the past qualification statistical cache table.
Any transaction party can acquire the transaction condition of a project in progress or the transaction condition of a completed project through a transaction data credit investigation module of a credit investigation system; the module can also request to know the transaction condition of selecting a proper transaction party for preparing to start a project, the condition needs to be obtained after being encrypted by the information privacy protection module, and if the transaction party authority module exists and has set access authority, the accessible encrypted information is sent by the information privacy protection module after being limited by the transaction party authority module. Any trading party can also obtain public qualification credit data from the outside through a past qualification credit module, and obtain qualification credit data generated according to the trading situation of a trading area from an internal request, the requested qualification credit data needs to be obtained after being encrypted by an information privacy protection module, and if a trading party authority module exists and an access authority is set, the accessible encrypted information is sent by the information privacy protection module after being limited by the trading party authority module.
The information privacy protection module comprises a first encryption unit, a second encryption unit and a third encryption unit, wherein the first encryption unit is used for carrying out electronic signature and encryption on transaction data acquired from the engineering transaction block; the second encryption unit is used for carrying out electronic signature and encryption on qualification credit data on an engineering transaction block shared with the B2B cloud platform data; and the third encryption unit is used for merging the transaction data acquired from the engineering transaction block and qualification credit data on the engineering transaction block shared by the B2B cloud platform data, performing electronic signature and encrypting. When the transaction data of a certain transaction party in a certain link in a project needs to be known, the first encryption unit carries out electronic signature and encryption on the transaction data acquired from the project transaction block. When the qualification credit data of a certain trading party at a certain link in the engineering needs to be known, particularly the qualification credit data acquired by the internal checking unit, the second encryption unit carries out electronic signature and encryption on the qualification credit data on the engineering trading block. When the transaction data of a certain transaction party in a certain link in the project and the qualification credit data acquired by the internal inspection unit need to be known, the third encryption unit combines the contents and then signs and encrypts the combined contents; reference is made to figure 2. The encryption mode can be realized through a Hash algorithm, and the encrypted ciphertext can be represented in a timestamp mode, so that corresponding transaction can be searched in a summary reading mode during data query. For the transaction data of the engineering transaction transfer block, the fourth encryption unit, the fifth encryption unit and the sixth encryption unit can also be arranged to perform encryption processing in the manner described above.
In order to prevent the transmission data from being tampered, the secret key used for encryption in the information privacy protection module is generated in real time, and then the information privacy protection module further comprises a secret key distribution unit which sends the secret keys temporarily generated by the first encryption unit, the second encryption unit and the third encryption unit during encryption to the related transaction parties. So that only the relevant transaction party can read the relevant information by the temporary key.
Generally, a transaction is carried out for a period of time, transaction data of a stage is formed when a transaction is not carried out, a plurality of stages are formed from initiation to project termination, and finally comprehensive evaluation data and key data of the project are formed. And the information privacy protection module performs superposition signature encryption on the data of each stage. Taking the third encryption unit as an example, as shown in fig. 3, the first collected qualification credit data and transaction data are merged and signed and then uploaded to the respective account book, and then the second collected qualification credit data and transaction data are superimposed on the basis, merged and signed and then encrypted to update data. And presenting the comprehensive evaluation data and the key data after the project is finished in a data chain formed by the encrypted form.
It will be appreciated by persons skilled in the art that the embodiments of the invention described above and shown in the drawings are given by way of example only and are not limiting of the invention. The objects of the present invention have been fully and effectively accomplished. The functional and structural principles of the present invention have been shown and described in the examples, and any variations or modifications of the embodiments of the present invention may be made without departing from the principles.