CN115829729B - Three-chain architecture-based supply chain financial credit evaluation system and method - Google Patents
Three-chain architecture-based supply chain financial credit evaluation system and method Download PDFInfo
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Abstract
The invention discloses a supply chain financial credit evaluation system and method based on a three-chain architecture, wherein the system comprises: the key management center is used for the functions of key generation, hash operation, signature verification and user data encryption and decryption of user data encryption and decryption, the generated key of user data encryption and decryption is stored in the key management center, and the key management center is configured with a data encryption mode for safety management; the cloud platform is used for storing original supply chain financial data; the block chain platform is realized based on a three-chain model, and the three-chain model comprises: ID chain, behavioral chain, and credit chain; an identity controller, the controller implemented as a set of nodes distinct from the blockchain platform nodes, a plurality of nodes within the set of nodes operating simultaneously for creating and managing digital IDs on the blockchain, the digital IDs stored on the ID chain. And recording and credit evaluation of the business behaviors of the middle and small enterprises are realized by constructing an ID chain, a behavior chain and a credit chain three-chain model.
Description
Technical Field
The invention relates to the technical field of blockchains and blockchain finances, in particular to a supply chain finance credit evaluation system and method based on a three-chain architecture.
Background
Supply chain finance is a professional field of commercial banking credit business and is also a financing channel for enterprises, particularly small and medium-sized enterprises. The core value of the supply chain finance is that not only is the fund crisis of small and medium enterprises relieved, but also the turnover rate of the supply chain funds is improved, and the overall competitiveness of the supply chain is also improved. The supply chain financial mode can enable small and medium enterprises with difficult financing to survive, core enterprises in the supply chain can also greatly relieve cost pressure, and large financial institutions providing financing such as banks can expand new business and increase income. With the development of the Internet, various large banks develop a plurality of related online businesses of supply chain finance, and how to evaluate the credit of middle and small enterprises on the premise of guaranteeing the safety and reliability of the credit data of the middle and small enterprises is a problem to be solved urgently for the supply chain finance credit.
The rise of blockchain technology provides a new solution for management of supply chain finance and information security. The blockchain technology is concerned by various industries as a technical support of digital currency, has the characteristics of safety, low cost and high efficiency as a distributed database system, can rely on a distributed storage architecture of the blockchain, and can solve the problems of information privacy, reliability and the like in the credit information collection and evaluation process of small and medium enterprises by using technologies such as a consensus algorithm, an intelligent contract and the like. However, there is no mature supply chain financial credit evaluation system and method based on a blockchain architecture.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a three-chain architecture-based supply chain financial credit evaluation system and method, which are used for realizing the record of the operation behaviors of small and medium enterprises and the evaluation of the credit by constructing an ID chain, a behavior chain and a credit chain three-chain model, wherein a blockchain is used as a distributed database system, has the characteristics of safety, low cost and high efficiency, can rely on a distributed storage architecture of the blockchain, and can solve the problems of information privacy, reliability and the like in the process of collecting and evaluating the credit information of the small and medium enterprises by using technologies such as a consensus algorithm, intelligent contracts and the like.
In one aspect, the present invention provides a three-chain architecture-based supply chain financial credit assessment system, comprising:
the key management center is used for the functions of key generation, hash operation, signature verification and user data encryption and decryption of user data, the generated key for user data encryption and decryption is stored in the key management center, and the key management center is configured with a data encryption mode for safety management;
the cloud platform is used for storing original supply chain financial data;
a blockchain platform, the blockchain platform implemented based on a triplex model, the triplex model comprising: ID chain, behavioral chain, and credit chain;
an identity controller implemented as a set of nodes distinct from the blockchain platform nodes, a plurality of nodes within the set of nodes operating simultaneously for creating and managing digital IDs on a blockchain, the digital IDs stored on the ID chain.
Preferably, the ID chain is used for storing a digital ID for uniquely identifying identities of both parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then stored on the behavior chain through consensus; the credit chain is used for storing credit values of the user on a supply chain and financial transaction records between the user and a bank.
Preferably, the creating and managing digital IDs on the blockchain includes digital identity management operations including adding new digital identities and deactivating existing digital identities.
A second aspect of the present invention is to provide a supply chain financial credit evaluation method based on a three-chain architecture, including:
a user registration application joins the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit rating system;
acquiring relevant data of a financial credit evaluation index of a supply chain of the user and storing the relevant data to the cloud platform;
a supply chain financial credit value for the user is calculated based on the relevant data.
Preferably, the user registration application joining the supply chain financial credit evaluation system includes: the financial institutions and small and medium enterprises in the supply chain register to apply for joining the blockchain platform of the supply chain financial credit assessment system.
Preferably, said generating a digital ID for a user joining said supply chain financial credit rating system comprises:
the user submits user-related information to the blockchain platform, the user-related information including government issued credential ID v Basic information of a company or a bank;
after receiving the related information provided by the user, the identity controller verifies whether the certificate submitted by the user is valid or not: if the certificate is valid, notifying the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, and storing the private key sk by the userCalculate D id =hash（ID v Sk), D id The registration is completed after the digital ID serving as the user is sent to the user, wherein the hash represents a hash function;
and if the certificate is invalid, refusing the registration application of the blockchain platform added into the supply chain financial credit evaluation system.
Preferably, the supply chain financial credit evaluation index includes: user basic information, user repayment capability, user profitability, user operation capability, and user growth capability.
Preferably, the acquiring the supply chain financial credit rating index related data of the user includes acquiring the supply chain financial credit rating index related data of the user through an information management system of the user.
Preferably, the storing the related data in the cloud platform includes:
the blockchain platform carries out hash calculation on the acquired relevant data of the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data, and storing the calculated index value on the blockchain platform;
and embedding the index value into the hash value and uploading the hash value to the cloud platform.
Preferably, said calculating a supply chain financial credit value for said user based on said correlation data comprises:
acquiring the related data;
calculating a supply chain financial credit value for the user based on the relevant data;
wherein:
the acquiring the related data includes:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
decrypting the encrypted data through a key for encrypting and decrypting the user data, verifying the hash value of the encrypted data, and finally returning the related data to a requester;
the calculating a supply chain financial credit value for the user based on the relevant data includes:
configuring a credit calculation intelligent contract on a credit chain, wherein the credit calculation intelligent contract is used for calculating the credit value of the user;
the bank calls the credit calculation intelligent contract to calculate the credit value of the appointed user, and then selects whether to conduct transaction with the appointed user according to the credit value.
To achieve the above object, an electronic device according to an embodiment of a third aspect of the present invention includes: the system comprises a memory, a processor and a computer program stored in the memory and capable of running on the processor, wherein the processor realizes the method according to the embodiment of the second aspect of the invention when executing the computer program.
To achieve the above object, a fourth aspect of the present invention provides a computer-readable storage medium, where the computer program is executed by a processor to implement a method according to the second aspect of the present invention.
The beneficial effects of the invention include:
the three-chain architecture-based supply chain financial credit evaluation system and method realizes the record of the operation behaviors and the credit evaluation of small and medium enterprises by constructing an ID chain, a behavior chain and a credit chain three-chain model, and the blockchain is used as a distributed database system, has the characteristics of safety, low cost and high efficiency, can rely on the distributed storage architecture of the blockchain, and can solve the problems of information privacy, reliability and the like in the credit information collection and evaluation process of the small and medium enterprises by using the technologies of consensus algorithm, intelligent contracts and the like.
Drawings
FIG. 1 is a schematic diagram of a three-chain architecture-based supply chain financial credit evaluation system according to the present invention;
FIG. 2 is a flowchart of a three-chain architecture-based supply chain financial credit evaluation method according to the present invention;
fig. 3 is a schematic structural diagram of an electronic device according to the present invention.
Detailed Description
In order to better understand the above technical solutions, the following detailed description will be given with reference to the accompanying drawings and specific embodiments.
The method provided by the invention can be implemented in a terminal environment, and the terminal can comprise one or more of the following components: processor, memory and display screen. Wherein the memory stores at least one instruction that is loaded and executed by the processor to implement the method described in the embodiments below.
The processor may include one or more processing cores. The processor connects various parts within the overall terminal using various interfaces and lines, performs various functions of the terminal and processes data by executing or executing instructions, programs, code sets, or instruction sets stored in the memory, and invoking data stored in the memory.
The Memory may include random access Memory (Random Access Memory, RAM) or Read-Only Memory (ROM). The memory may be used to store instructions, programs, code, sets of codes, or instructions.
The display screen is used for displaying a user interface of each application program.
In addition, it will be appreciated by those skilled in the art that the structure of the terminal described above is not limiting and that the terminal may include more or fewer components, or may combine certain components, or a different arrangement of components. For example, the terminal further includes components such as a radio frequency circuit, an input unit, a sensor, an audio circuit, a power supply, and the like, which are not described herein.
Example 1
Referring to fig. 1, the present embodiment provides a three-chain architecture-based supply chain financial credit evaluation system, including:
the key management center is a completely trusted entity in the blockchain network and is used for the functions of key generation, hash operation, signature verification and user data encryption and decryption of user data encryption and decryption, the generated key of user data encryption and decryption is stored in the key management center, and the key management center is configured with a data encryption mode for safety management;
the cloud platform is used for storing original supply chain financial data; in order to support the storage of massive heterogeneous data, the index, hash value and key for encrypting and decrypting user data are stored on a blockchain platform, and original supply chain financial data are stored on the cloud platform;
a blockchain platform, the blockchain platform implemented based on a triplex model, the triplex model comprising: ID chain, behavioral chain, and credit chain;
an identity controller implemented as a set of nodes distinct from the blockchain platform nodes, a plurality of nodes within the set of nodes operating simultaneously for creating and managing digital IDs on a blockchain, the digital IDs stored on the ID chain.
As a preferred embodiment, the ID chain is used for storing digital IDs, in this example, enterprises provide company basic information to obtain a unique identifier, namely the digital ID, which is used for uniquely identifying identities of two parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then stored on the behavior chain through consensus; the credit chain is used for storing credit values of the user on a supply chain and financial transaction records between the user and a bank.
As a preferred embodiment, the digital ID on the creation and management blockchain includes a digital identity management operation that includes adding a new digital identity and deactivating an existing digital identity.
Example two
Referring to fig. 2, the present embodiment is used to provide a three-chain architecture-based supply chain financial credit evaluation method, which includes:
a user registration application joins the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit rating system;
acquiring relevant data of a financial credit evaluation index of a supply chain of the user and storing the relevant data to the cloud platform;
a supply chain financial credit value for the user is calculated based on the relevant data.
As a preferred embodiment, the user registration application joining the supply chain financial credit rating system includes: financial institutions (e.g., banks) and small and medium enterprises in the supply chain register to apply for participation in the blockchain platform of the supply chain financial credit assessment system.
As a preferred embodiment, the generating a digital ID for a user joining the supply chain financial credit rating system includes:
the user submits user-related information to the blockchain platform, the user-related information including government issued credential ID v And basic information of a company (or bank);
after receiving the related information provided by the user, the identity controller verifies whether the certificate submitted by the user is valid or not: if the certificate is valid, notifying the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, storing the private key sk by the user, and calculating D id =hash（ID v Sk), D id The registration is completed after the digital ID serving as the user is sent to the user, wherein the hash represents a hash function; and if the certificate is invalid, refusing the registration application of the blockchain platform added into the supply chain financial credit evaluation system.
As a preferred embodiment, the supply chain financial credit evaluation index includes: user basic information, user repayment capability, user profitability, user operation capability, and user growth capability.
In this embodiment, in order to effectively evaluate the credit condition of a company, the following information is selected as a supply chain financial evaluation index: business basic information, business repayment capability, business profit capability, business operation capability, business growth capability, and the like.
In a preferred embodiment, the acquiring the supply chain financial credit rating index related data of the user includes acquiring the supply chain financial credit rating index related data of the user through an information management system of the user.
As a preferred embodiment, the storing the related data to the cloud platform includes:
the blockchain platform carries out hash calculation on the acquired relevant data of the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data, and storing the calculated index value on the blockchain platform;
and embedding the index value into the hash value and uploading the hash value to the cloud platform.
As a preferred embodiment, the calculating the supply chain financial credit value of the user based on the related data includes:
acquiring the related data;
a supply chain financial credit value for the user is calculated based on the relevant data.
As a preferred embodiment, the acquiring the related data includes:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
decrypting the encrypted data through a key for encrypting and decrypting the user data, verifying the hash value of the encrypted data, and finally returning the related data to a requester.
As a preferred embodiment, the calculating the supply chain financial credit value of the user based on the related data includes:
a credit calculation intelligent contract is configured on a credit chain, and the credit calculation intelligent contract is used for calculating the credit value of the user, wherein the specific calculation method of the credit value can adopt any calculation algorithm commonly used by banks;
the bank calls the credit calculation intelligent contract to calculate the credit value of the appointed user, and then selects whether to conduct transaction with the appointed user according to the credit value.
The specific application scene is as follows:
in this embodiment, when a bank and a company develop related business of supply chain finance, the method for evaluating supply chain finance credit based on blockchain provided by the invention comprises the following steps:
step 1: company M registers to join blockchain
(1) Company M submits its own related information to the blockchain on behalf of user A, including government issued valid certificate ID v Basic information of a company, etc.
(2) After receiving the information provided by the user A, the identity controller verifies whether the certificate submitted by the user A is valid or not: if the certificate is valid, the key management center is notified to generate a pair of company keys (pk, sk) for user A, sk is sent to be saved by user A itself, D is calculated id =hash（ID v Sk) (hash is a hash function) is used as the digital ID of the user A and sent to the user A to finish registration;
if the certificate is invalid, the registration application is refused.
Step 2: data storage and retrieval for company M
In order to effectively evaluate the credit condition of the company M, the following information is selected as an evaluation index: business basic information, business repayment capability, business profit capability, business operation capability, business growth capability, and the like.
The information management system of the company M is used for acquiring the relevant information of the evaluation index, and the collected data D is uploaded to the cloud platform for storage, wherein the method comprises the following steps of:
(1) The block chain platform performs hash calculation on the collected data D to obtain a hash value H (D), then obtains a unique data key through a key generation algorithm, encrypts an original file to obtain E (D), and finally calculates an index.
(2) The calculated index is stored on a chain, and the encrypted data { E (D), H (D) } embedded with the hash value is uploaded to the cloud platform.
The data acquisition steps are as follows:
(1) The bank B requests the data of the company M from the blockchain platform, and the blockchain platform firstly acquires encrypted data { E (D), H (D) } from the cloud platform through index values stored on the chain;
(2) And then decrypting the encrypted data D through the key on the chain, verifying the hash value of the data, and finally returning the data D to the bank B.
Step 3: credit assessment
The company M applies for transaction with the bank B, and the bank B calls the credit calculation intelligent contract to calculate the credit value of the company M, wherein the specific calculation method for calculating the credit value by the credit calculation intelligent contract can adopt any calculation algorithm which is commonly used by banks. Bank B then selects whether to transact with company M based on the results.
Referring now to fig. 3, a schematic diagram of an electronic device 400 (e.g., a terminal device or server in fig. 3) suitable for implementing an embodiment of the present invention is shown. The electronic device in the embodiment of the present invention may include, but is not limited to, a mobile terminal such as a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a car-mounted terminal (e.g., car navigation terminal), etc., and a stationary terminal such as a digital TV, a desktop computer, etc. The electronic device shown in fig. 3 is only an example and should not be construed as limiting the functionality and scope of use of the embodiments of the invention.
As shown in fig. 3, the electronic device 400 may include a processing means (e.g., a central processing unit, a graphics processor, etc.) 401, which may perform various suitable actions and processes according to a program stored in a Read Only Memory (ROM) 402 or a program loaded from a storage means 408 into a Random Access Memory (RAM) 403. In the RAM 403, various programs and data necessary for the operation of the electronic device 400 are also stored. The processing device 401, the ROM402, and the RAM 403 are connected to each other by a bus 404. An input/output (I/O) interface 405 is also connected to bus 404.
In general, the following devices may be connected to the I/O interface 405: input devices 406 including, for example, a touch screen, touchpad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; an output device 407 including, for example, a Liquid Crystal Display (LCD), a speaker, a vibrator, and the like; storage 408 including, for example, magnetic tape, hard disk, etc.; and a communication device 409. The communication means 409 may allow the electronic device 400 to communicate with other devices wirelessly or by wire to exchange data. While fig. 3 shows an electronic device 400 having various means, it is to be understood that not all of the illustrated means are required to be implemented or provided. More or fewer devices may be implemented or provided instead.
In particular, according to embodiments of the present invention, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present invention include a computer program product comprising a computer program embodied on a non-transitory computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via communications device 409, or from storage 408, or from ROM 402. The above-described functions defined in the method of the embodiment of the present invention are performed when the computer program is executed by the processing means 401.
The computer readable medium of the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, fiber optic cables, RF (radio frequency), and the like, or any suitable combination of the foregoing.
In some implementations, the clients, servers may communicate using any currently known or future developed network protocol, such as HTTP (HyperText Transfer Protocol ), and may be interconnected with any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the internet (e.g., the internet), and peer-to-peer networks (e.g., ad hoc peer-to-peer networks), as well as any currently known or future developed networks.
The computer readable medium may be contained in the electronic device; or may exist alone without being incorporated into the electronic device.
Computer program code for carrying out operations of the present invention may be written in one or more programming languages, including, but not limited to, an object oriented programming language such as Java, smalltalk, C ++ and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computer (for example, through the Internet using an Internet service provider).
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The units involved in the embodiments of the present invention may be implemented in software or in hardware. The name of the unit does not in any way constitute a limitation of the unit itself, for example the first acquisition unit may also be described as "unit acquiring at least two internet protocol addresses".
The functions described above herein may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: a Field Programmable Gate Array (FPGA), an Application Specific Integrated Circuit (ASIC), an Application Specific Standard Product (ASSP), a system on a chip (SOC), a Complex Programmable Logic Device (CPLD), and the like.
In the context of the present invention, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. The machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
The above description is only illustrative of the preferred embodiments of the present invention and of the principles of the technology employed. It will be appreciated by persons skilled in the art that the scope of the disclosure referred to in the present invention is not limited to the specific combinations of technical features described above, but also covers other technical features formed by any combination of the technical features described above or their equivalents without departing from the spirit of the disclosure. Such as the above-mentioned features and the technical features disclosed in the present invention (but not limited to) having similar functions are replaced with each other.
Moreover, although operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. In certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limiting the scope of the invention. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.
While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. It is therefore intended that the following claims be interpreted as including the preferred embodiments and all such alterations and modifications as fall within the scope of the invention. It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (2)
1. A three-chain architecture-based supply chain financial credit assessment system, comprising:
the key management center is used for the functions of key generation, hash operation, signature verification and user data encryption and decryption of user data encryption and decryption, the generated key of user data encryption and decryption is stored in the key management center, and the key management center is configured with a data encryption mode for safety management;
the cloud platform is used for storing original supply chain financial data;
a blockchain platform, the blockchain platform implemented based on a triplex model, the triplex model comprising: ID chain, behavioral chain, and credit chain;
an identity controller implemented as a set of nodes distinct from the blockchain platform nodes, a plurality of nodes within the set of nodes operating simultaneously for creating and managing digital IDs on a blockchain, the digital IDs stored on the ID chain;
the ID chain is used for storing digital IDs and is used for uniquely identifying identities of two parties interacting in the blockchain system; the behavior chain is used for recording related information of a user operation process, and the related information of the user operation process is acquired from a system platform of a company and then stored on the behavior chain through consensus; the credit chain is used for storing credit values of the user on the supply chain and financial transaction records between the user and a bank;
the creation and management of digital IDs on blockchains includes digital identity management operations including adding new digital identities and deactivating existing digital identities.
2. A three-chain architecture-based supply chain financial credit evaluation method implemented by the three-chain architecture-based supply chain financial credit evaluation system of claim 1, comprising:
a user registration application joins the supply chain financial credit evaluation system;
generating a digital ID for a user joining the supply chain financial credit rating system;
acquiring relevant data of a financial credit evaluation index of a supply chain of the user and storing the relevant data to the cloud platform;
calculating a supply chain financial credit value for the user based on the relevant data;
the user registration application joining the supply chain financial credit rating system includes: a small and medium enterprises in a financial institution and a supply chain register to apply for adding to a blockchain platform of the supply chain financial credit evaluation system;
the generating a digital ID for a user joining the supply chain financial credit rating system includes:
the userSubmitting user-related information to a blockchain platform, the user-related information including government issued credential IDs v Basic information of a company or a bank;
after receiving the related information provided by the user, the identity controller verifies whether the certificate submitted by the user is valid or not: if the certificate is valid, notifying the key management center to generate a pair of user key pairs (pk, sk) for the user, wherein pk represents a public key, sk represents a private key, sending the private key sk to the user, storing the private key sk by the user, and calculating D id =hash（ID v Sk), D id The registration is completed after the digital ID serving as the user is sent to the user, wherein the hash represents a hash function;
if the certificate is invalid, refusing a registration application of a blockchain platform added into the supply chain financial credit evaluation system;
the supply chain financial credit rating index includes: user basic information, user repayment capability, user profit capability, user operation capability, and user growth capability;
the acquiring the supply chain financial credit rating index related data of the user comprises acquiring the supply chain financial credit rating index related data of the user through an information management system of the user;
the storing the related data to the cloud platform includes:
the blockchain platform carries out hash calculation on the acquired relevant data of the financial credit evaluation index of the supply chain of the user to obtain a hash value;
the block chain platform obtains a unique data key through a key generation algorithm;
encrypting the original file based on the unique data key to obtain encrypted data;
calculating an index value of the encrypted data, and storing the calculated index value on the blockchain platform;
embedding the index value into the hash value and uploading the hash value to the cloud platform;
the calculating a supply chain financial credit value for the user based on the relevant data includes:
acquiring the related data;
calculating a supply chain financial credit value for the user based on the relevant data;
wherein:
the acquiring the related data includes:
a requester requests data from the blockchain platform, and the blockchain platform acquires the encrypted data from the cloud platform through an index value stored on the blockchain platform;
decrypting the encrypted data through a key for encrypting and decrypting the user data, verifying the hash value of the encrypted data, and finally returning the related data to a requester;
the calculating a supply chain financial credit value for the user based on the relevant data includes:
configuring a credit calculation intelligent contract on a credit chain, wherein the credit calculation intelligent contract is used for calculating the credit value of the user;
the bank calls the credit calculation intelligent contract to calculate the credit value of the appointed user, and then selects whether to conduct transaction with the appointed user according to the credit value.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202310111791.4A CN115829729B (en) | 2023-02-14 | 2023-02-14 | Three-chain architecture-based supply chain financial credit evaluation system and method |
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