CN111553782A - Enterprise credit evaluation method and system based on hybrid cloud and block chain - Google Patents
Enterprise credit evaluation method and system based on hybrid cloud and block chain Download PDFInfo
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Abstract
The invention relates to the technical field of internet, and particularly provides an enterprise credit evaluation method and system based on a mixed cloud and a block chain. When an Internet unified access website, a mobile equipment access website and a third-party system are established for access, a block chain cluster branch system is accessed in a unified mode, the block chain cluster branch system is deployed in a common cloud, and enterprise credit rating evaluation information is stored and block chain service is provided; the system is deployed in a public cloud and also comprises a credit scoring branch system, wherein the credit scoring branch system is used for sorting the enterprise credit level report message information and realizing information interaction with an information acquisition system in a private cloud; the information acquisition system generates a credit ranking of the enterprise in the same industry. Compared with the prior art, the credit evaluation system is fast, reliable and cheap, and has good popularization value.
Description
Technical Field
The invention relates to the technical field of internet, and particularly provides an enterprise credit evaluation method and system based on a mixed cloud and a block chain.
Background
According to the latest understanding, the national tax administration in 2018 issues 'notice on tax payment credit evaluation-related matters', M-level tax payment credit levels are added, and the tax payment credit level is changed from the former A, B, C, D level to the current A, B, M, C, D level. Through the gradual improvement of many years, tax payment credit management means are richer, the index setting is more comprehensive, the classification standard is more scientific, and the legal faithful tax payment of taxpayers is promoted to a great extent. However, the construction of the national tax payment credit system is still in the development stage overall, with the increasing influence of the social influence of tax payment credit, the current tax payment credit management also has some short boards which are not suitable for the reform and the development,
1. the tax payment credit management coverage is narrow, 2, the evaluation updating period is long, 3, the evaluation index is simple and extensive, further optimization is needed, 4, a credit repairing mechanism is lacked, and 5, credit linkage is strengthened.
Disclosure of Invention
Aiming at the defects of the prior art, the invention provides the enterprise credit evaluation method for the mixed cloud and block chain, which has strong practicability.
The invention further aims to provide a safe and applicable enterprise credit evaluation system with mixed cloud and block chains, which is reasonable in design.
The technical scheme adopted by the invention for solving the technical problems is as follows:
an enterprise credit evaluation method based on a mixed cloud and a block chain is characterized in that an Internet unified access website and a mobile equipment access website are established, and when a third-party system accesses, a block chain cluster branch system is accessed in a unified mode, is deployed in a common cloud, stores enterprise credit grade evaluation information and provides block chain service;
the system is deployed in a public cloud and also comprises a credit scoring branch system, wherein the credit scoring branch system is used for sorting the enterprise credit level report message information and realizing information interaction with a private cloud;
the private cloud is provided with an information acquisition system, a user of the information acquisition system acquires enterprise credit evaluation influence factors and data through a credit evaluation branch system, performs standardized processing on the data, intelligently identifies image factors and classifies the data, calculates credit comprehensive scores and grades of enterprises and individuals, and generates credit ranking of the enterprises in the same industry.
Further, the blockchain is used for executing a consensus mechanism, and the authentication of the operation is completed through the blockchain consensus mechanism.
Preferably, when the unified access is accessed, a unified authorization interface of the oAtho2.0 user is provided, the authorization data authority of the taxpayer is obtained, and the credit analysis result is visually output through an Echarts diagram.
Preferably, when the block chain cluster branch system stores the enterprise credit rating evaluation information, the unique identity ID of the enterprise, the enterprise signature and the encrypted enterprise credit information are stored.
Furthermore, when the blockchain provides blockchain services, a plurality of enterprise data service nodes are arranged in the blockchain cluster, operators of all the nodes can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes synchronously obtain related records through the blockchain cluster.
Further, the credit scoring branch system interacts with an information acquisition system in a private cloud through the MQ cluster server, stores the message data in a local Oracle database in a chain up-down combination mode, and performs chain up operation on the message data.
An enterprise credit evaluation system based on a hybrid cloud and a block chain comprises an internet entrance, a mobile application entrance, a third-party system, a block chain cluster branch system, a credit scoring branch system and an information acquisition system, wherein the internet entrance, the mobile application entrance or the third-party system uniformly accesses the block chain cluster branch system and interacts with the block chain cluster branch system, and the block chain cluster branch system is deployed in a public cloud and is used for storing enterprise credit grade evaluation information, providing block chain service and executing a consensus mechanism;
the credit scoring branch system is also deployed in the shared cloud, is used for finishing enterprise credit grade report message information and interacts with the information acquisition system deployed in the private cloud through the MQ cluster server;
the information acquisition system is used for acquiring enterprise credit evaluation influence factors and data, performing standardized processing on the data, intelligently identifying the influence factors and classifying the data, calculating credit comprehensive scores and grades of enterprises and individuals, and generating the credit ranking of the enterprises in the same industry.
Preferably, when the unified access is accessed, a unified authorization interface of the oAtho2.0 user is provided, the authorization data authority of the taxpayer is obtained, and the credit analysis result is visually output through an Echarts diagram.
Preferably, the block chain cluster branch system is used for storing the unique identity ID of the enterprise, the enterprise signature and the encrypted enterprise credit information when the enterprise credit rating evaluation information is stored.
Furthermore, when the blockchain is used for providing blockchain service, a plurality of enterprise data service nodes are arranged in the blockchain cluster, operators of all the nodes can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes synchronously obtain related records through the blockchain cluster;
when the block chain is used for executing the consensus mechanism, the operation authentication is completed through the block chain consensus mechanism.
Compared with the prior art, the enterprise credit evaluation method and system based on the mixed cloud and the block chain have the following outstanding beneficial effects:
the system and the method realize the application from the authorization of the taxpayer to the report and the evaluation of the rating, then send the request to the information acquisition system through the MQ, generate a series of indexes through the arrangement and calculation of the tax data, generate the report data message, return the report data to the block chain cluster built on the public cloud through the channel to realize the data uplink, and provide a visual interface and a downloading function for the taxpayer through the channel. Not only can accurate credit evaluation be made for enterprises and individuals, but also the cost of financial service is reduced; help financial services institutions control risk; promote financial services and more social individuals with deficient credit information; the credit evaluation system is quick, reliable and cheap, and the 'internetworking + tax' is better realized, so that the credit evaluation system has good popularization and application values.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a system diagram of an enterprise credit evaluation system based on a hybrid cloud and blockchain.
Detailed Description
The present invention will be described in further detail with reference to specific embodiments in order to better understand the technical solutions of the present invention. It is to be understood that the described embodiments are merely a few embodiments of the invention, and not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
A preferred embodiment is given below:
as shown in fig. 1, in the enterprise credit evaluation method based on the hybrid cloud and the blockchain in this embodiment, when an Internet unified access website, a mobile device access website, and a third-party system are established for access, a blockchain cluster branch system is accessed in a unified manner.
And when accessing, providing a unified authorization interface of the oAtho2.0 user, acquiring the authorization data authority of the taxpayer, and visually outputting a credit analysis result through an Echarts diagram.
The block chain cluster branch system is deployed in a common cloud, and when the block chain cluster branch system stores the enterprise credit rating evaluation information, the block chain cluster branch system comprises the unique identity ID of the enterprise, the enterprise signature and the encrypted enterprise credit information. When block chain service is provided, a plurality of enterprise data service nodes are further arranged in the block chain cluster, operators of all the nodes can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes synchronously obtain relevant records through the block chain cluster. The blockchain cluster is also used for executing a consensus mechanism, and the authentication of certain operations is completed through the blockchain consensus mechanism.
The system is deployed in a public cloud and further comprises a credit scoring branch system, the credit scoring branch system is used for sorting enterprise credit level report message information, the credit scoring branch system is interacted with an information acquisition system in a private cloud through an MQ cluster server, message data are stored in a local Oracle database in a chain up-down combination mode, and chain up operation is conducted on the message data.
An information acquisition system is deployed in the private cloud, and due to tax-related high-density data, the internal and external networks communicate in an MQ mode, so that the isolation of the internal and external networks is guaranteed. A user of the information acquisition system acquires enterprise credit evaluation influence factors and data through a credit scoring branch system, standardizes the data, intelligently identifies image factors and classifies the data, calculates credit comprehensive scores and grades of enterprises and individuals, and generates a credit ranking name of the enterprises in the same industry.
The system for realizing the method is an enterprise credit evaluation system of a mixed cloud and a block chain, and comprises an internet entrance, a mobile application entrance, a third-party system, a block chain cluster branch system, a credit scoring branch system and an information acquisition system. And the Internet entrance, the mobile application entrance or the third-party system uniformly accesses the access block chain cluster branch system and interacts with the block chain cluster branch system. The block chain cluster branch system is deployed in a public cloud and used for storing enterprise credit rating evaluation information, providing block chain service and executing a consensus mechanism.
The credit scoring branch system is also deployed in the shared cloud and is used for being responsible for sorting the enterprise credit rating report message information and interacting with the information acquisition system deployed in the private cloud through the MQ cluster server.
The information acquisition system is used for acquiring enterprise credit evaluation influence factors and data, carrying out standardized processing on the data, carrying out intelligent identification and data classification on the influence factors, calculating credit comprehensive scores and grades of enterprises and individuals, and generating the credit ranking of the enterprises in the same industry.
When unified access is accessed, a unified authorization interface of the oAtho2.0 user is provided, the authorization data authority of the taxpayer is obtained, and a credit analysis result is visually output through an Echarts diagram.
And the block chain cluster branch system is used for storing the unique identity ID, the enterprise signature and the encrypted enterprise credit information of the enterprise when the credit rating evaluation information of the enterprise is stored.
When the block chain is used for providing block chain service, a plurality of enterprise data service nodes are arranged in the block chain cluster, operators of all the nodes can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes synchronously obtain related records through the block chain cluster.
When the blockchain is used for the execution of the consensus mechanism, the certification of the operation is completed through the blockchain consensus mechanism.
The above embodiments are only specific examples of the present invention, and the scope of the present invention includes but is not limited to the above embodiments, and any suitable changes or substitutions that are consistent with the hybrid cloud and block chain based enterprise credit evaluation method and system claims of the present invention and are made by those of ordinary skill in the art shall fall within the scope of the present invention.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (10)
1. The enterprise credit evaluation method based on the hybrid cloud and the block chain is characterized in that when an Internet unified access website and a mobile equipment access website are established, and a third-party system accesses the websites, a block chain cluster branch system is accessed in a unified mode, is deployed in a common cloud, stores enterprise credit rating evaluation information and provides block chain service;
the system is deployed in a public cloud and also comprises a credit scoring branch system, wherein the credit scoring branch system is used for sorting the enterprise credit level report message information and realizing information interaction with a private cloud;
an information acquisition system is deployed in the private cloud, and a user of the information acquisition system acquires enterprise credit evaluation influence factors and data through a credit scoring branch system, standardizes the data, intelligently identifies image factors and classifies the data, calculates credit comprehensive scores and grades of enterprises and individuals, and generates a credit ranking of the enterprises in the same industry.
2. The method of claim 1, wherein the blockchain is further used to perform a consensus mechanism, and the operation is authenticated through the blockchain consensus mechanism.
3. The enterprise credit evaluation method based on the hybrid cloud and the block chain as claimed in claim 1, wherein when unified access is performed, a unified authorization interface of the oatho2.0 user is provided, taxpayer authorization data authority is obtained, and a credit analysis result is visually output through an Echarts diagram.
4. The method for enterprise credit evaluation based on hybrid cloud and blockchain as claimed in claim 2 or 3, wherein the blockchain cluster branch system stores the unique identity ID, the enterprise signature and the encrypted enterprise credit information of the enterprise when storing the enterprise credit rating evaluation information.
5. The enterprise credit evaluation method based on the hybrid cloud and the blockchain as claimed in claim 4, wherein when the blockchain provides blockchain services, a plurality of enterprise data service nodes are arranged in a blockchain cluster, each node operator can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes can obtain related records through synchronization of the blockchain cluster.
6. The enterprise credit evaluation method based on the hybrid cloud and the block chain as claimed in claim 1, wherein the credit scoring branch system interacts with the information collection system in the private cloud through the MQ cluster server, stores the message data in a local Oracle database in a chain uplink and downlink combination manner, and performs uplink operation on the message data.
7. The enterprise credit evaluation system based on the hybrid cloud and the block chain is characterized by comprising an internet entrance, a mobile application entrance, a third-party system, a block chain cluster branch system, a credit scoring branch system and an information acquisition system, wherein the internet entrance, the mobile application entrance or the third-party system uniformly accesses the block chain cluster branch system and interacts with the block chain cluster branch system, and the block chain cluster branch system is deployed in a public cloud and is used for storing enterprise credit grade evaluation information, providing block chain service and executing a consensus mechanism;
the credit scoring branch system is also deployed in the shared cloud and is used for finishing the enterprise credit level report message information and interacting with the information acquisition system deployed in the private cloud through the MQ cluster server;
the information acquisition system is used for acquiring enterprise credit evaluation influence factors and data, carrying out standardized processing on the data, carrying out intelligent identification and data classification on the influence factors, calculating credit comprehensive scores and grades of enterprises and individuals, and generating the credit ranking of the enterprises in the same industry.
8. The system of claim 7, wherein when unified access is performed, a unified authorization interface of the oatho2.0 user is provided, taxpayer authorization data authority is obtained, and a credit analysis result is visually output through an Echarts diagram.
9. The system of claim 8, wherein the blockchain cluster subsystem is configured to store the unique ID of the enterprise, the enterprise signature, and the encrypted enterprise credit information when the system is configured to store the enterprise credit rating evaluation information.
10. The system according to claim 9, wherein when the blockchain is used to provide blockchain services, a plurality of enterprise data service nodes are provided in a blockchain cluster, and operators at each node can complete creation and modification of enterprise data through the enterprise data service nodes, and other nodes obtain related records through synchronization of the blockchain cluster;
when the block chain is used for executing the consensus mechanism, the operation authentication is completed through the block chain consensus mechanism.
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112446794A (en) * | 2020-10-14 | 2021-03-05 | 天津航空物流发展有限公司 | Supply chain financial credit evaluation system and method based on block chain |
| CN113656405A (en) * | 2021-08-10 | 2021-11-16 | 湖南天河国云科技有限公司 | Block chain-based on-chain radar map co-construction sharing method and device |
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| US20180075527A1 (en) * | 2016-09-14 | 2018-03-15 | Royal Bank Of Canada | Credit score platform |
| CN108830490A (en) * | 2018-06-21 | 2018-11-16 | 浙江盘石信息技术股份有限公司 | A method of dynamic enterprise credit scoring is managed using publicly-owned block chain |
| CN111008777A (en) * | 2019-12-02 | 2020-04-14 | 山东爱城市网信息技术有限公司 | Method, device and medium for evaluating enterprise quality credit grade based on block chain |
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Patent Citations (4)
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| US20180075527A1 (en) * | 2016-09-14 | 2018-03-15 | Royal Bank Of Canada | Credit score platform |
| CN106651724A (en) * | 2017-01-03 | 2017-05-10 | 山东浪潮商用***有限公司 | Mixed cloud-based electronic tax bureau system |
| CN108830490A (en) * | 2018-06-21 | 2018-11-16 | 浙江盘石信息技术股份有限公司 | A method of dynamic enterprise credit scoring is managed using publicly-owned block chain |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN112446794A (en) * | 2020-10-14 | 2021-03-05 | 天津航空物流发展有限公司 | Supply chain financial credit evaluation system and method based on block chain |
| CN113656405A (en) * | 2021-08-10 | 2021-11-16 | 湖南天河国云科技有限公司 | Block chain-based on-chain radar map co-construction sharing method and device |
| CN113656405B (en) * | 2021-08-10 | 2023-08-18 | 湖南天河国云科技有限公司 | Method and device for sharing on-chain radar map co-construction based on block chain |
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