WO2022078011A1 - 数据共享方法、***、服务器及计算机可读存储介质 - Google Patents

数据共享方法、***、服务器及计算机可读存储介质 Download PDF

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Publication number
WO2022078011A1
WO2022078011A1 PCT/CN2021/109485 CN2021109485W WO2022078011A1 WO 2022078011 A1 WO2022078011 A1 WO 2022078011A1 CN 2021109485 W CN2021109485 W CN 2021109485W WO 2022078011 A1 WO2022078011 A1 WO 2022078011A1
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Prior art keywords
data
data sharing
authorization information
authorizer
requester
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PCT/CN2021/109485
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English (en)
French (fr)
Inventor
王梦寒
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深圳壹账通智能科技有限公司
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Publication of WO2022078011A1 publication Critical patent/WO2022078011A1/zh

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/21—Design, administration or maintenance of databases
    • G06F16/219—Managing data history or versioning
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/24—Querying
    • G06F16/245—Query processing
    • G06F16/2455—Query execution
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20—Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27—Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Definitions

  • the present application relates to the field of blockchain technology, and in particular, to a data sharing method, system, server, and computer-readable storage medium.
  • Financial institutions generally rely on manual pre-loan investigations, and the average investigation cycle is long; at the same time, financial institutions lack centralized and reliable data query channels, and data such as industry and commerce, courts, mortgages and pledges need to be queried separately in different departments and their websites, which is time-consuming It is labor-intensive, but there is still the problem of missing data, which reduces the efficiency of approval; in the post-loan management part, most financial institutions have the problem of lack of real-time data, and rely on manual door-to-door due diligence, which is not conducive to the risk control ability and efficiency of financial institutions promote. In addition, for government departments, if data is shared externally, there may be data leakage privacy and data security issues.
  • the present application proposes a data sharing method, which includes the steps:
  • the data related to the data authorizer is read from the blockchain and sent to the data requester.
  • the application also provides a data sharing system, the system includes:
  • the receiving module is used to receive the data sharing application from the data requester
  • a generating module configured to generate a data sharing agreement according to the data sharing application and the smart contract, and return a business authorization code to the data requester;
  • the receiving module is further configured to receive the service authorization code and authorization information provided by the data authorizer;
  • a verification module for performing contract verification according to the authorization information and the data sharing agreement
  • the sending module is configured to read the data related to the data authorizer from the blockchain and send it to the data requester after the verification is passed.
  • the present application also provides a server, including a memory and a processor, the memory stores a data sharing system that can run on the processor, and the data sharing system implements the following data when executed by the processor Steps to share method:
  • the data related to the data authorizer is read from the blockchain and sent to the data requester.
  • the present application also provides a computer-readable storage medium storing a data sharing system executable by at least one processor to cause the at least one processor to execute the following Steps of the data sharing method:
  • the data related to the data authorizer is read from the blockchain and sent to the data requester.
  • 1 is a schematic diagram of an optional hardware architecture of the server of the present application.
  • FIG. 2 is a schematic diagram of an optional application environment of each embodiment of the present application.
  • FIG. 3 is a schematic diagram of a program module of the first embodiment of the data sharing system of the present application.
  • FIG. 4 is a schematic diagram of a program module of the second embodiment of the data sharing system of the present application.
  • FIG. 6 is a schematic flowchart of a second embodiment of the data sharing method of the present application.
  • FIG. 1 it is a schematic diagram of an optional hardware architecture of the server 2 of the present application.
  • the server 2 may include, but is not limited to, the memory 11 , the processor 12 , and the network interface 13 that can communicate with each other through a system bus. It should be noted that FIG. 1 only shows the server 2 having components 11-13, but it should be understood that it is not required to implement all the shown components, and more or less components may be implemented instead.
  • the server 2 may be a computing device such as a rack server, a blade server, a tower server or a cabinet server, and the server 2 may be an independent server or a server cluster composed of multiple servers.
  • the memory 11 includes at least one type of readable storage medium, and the readable storage medium may be volatile or non-volatile.
  • the readable storage medium includes flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), static random access memory (SRAM), read only memory (ROM) ), Electrically Erasable Programmable Read-Only Memory (EEPROM), Programmable Read-Only Memory (PROM), Magnetic Memory, Magnetic Disk, Optical Disk, etc.
  • the memory 11 may be an internal storage unit of the server 2 , such as a hard disk or a memory of the server 2 .
  • the memory 11 may also be an external storage device of the server 2, such as a plug-in hard disk, a smart memory card (SmartMediaCard, SMC), a secure digital (SecureDigital, SD) equipped on the server 2 ) card, flash memory card (FlashCard), etc.
  • the memory 11 may also include both the internal storage unit of the server 2 and its external storage device.
  • the memory 11 is generally used to store the operating system and various application software installed on the server 2 , such as program codes of the data sharing system 200 and the like.
  • the memory 11 can also be used to temporarily store various types of data that have been output or will be output.
  • the processor 12 may be a central processing unit (Central Processing Unit, CPU), a controller, a microcontroller, a microprocessor, or other data processing chips in some embodiments. This processor 12 is typically used to control the overall operation of the server 2 . In this embodiment, the processor 12 is configured to run program codes or process data stored in the memory 11, for example, run the data sharing system 200 and the like.
  • CPU Central Processing Unit
  • controller a controller
  • microcontroller a microcontroller
  • microprocessor microprocessor
  • This processor 12 is typically used to control the overall operation of the server 2 .
  • the processor 12 is configured to run program codes or process data stored in the memory 11, for example, run the data sharing system 200 and the like.
  • the network interface 13 may include a wireless network interface or a wired network interface, and the network interface 13 is generally used to establish a communication connection between the server 2 and other electronic devices.
  • FIG. 2 it is a schematic diagram of an optional application environment of each embodiment of the present application.
  • the application can be applied to include, but not limited to, a data requester (financial institution) 20 , a data authorizer (enterprise) 21 , an open platform for government big data 22 , a public service platform for government affairs 23 , and an open gateway 24 , in the application environment of blockchain 25.
  • the data requester 20 sends a data sharing application to the government affairs big data open platform 22, and requests to query the data related to the data authorizer 21.
  • the data are mainly open data provided by various government commissions and offices (such as industry and commerce, courts, etc.), and are stored in the data lake of the blockchain 25.
  • the government affairs big data open platform 22 receives the data sharing agreement generated according to the data sharing application and the smart contract, uploads and saves the data sharing agreement to the blockchain 25, and returns the service authorization code to the data requester 20.
  • the data requester 20 provides the service authorization code to the data authorizer 21 , and the data authorizer 21 agrees to the authorization by scanning the service authorization code on the government affairs public service platform 23 .
  • the government affairs public service platform 23 uploads and saves the authorization information to the blockchain 25 .
  • the government affairs public service platform 23 initiates a data query request to the open gateway 24 to request to query the publicly available data authorized by the enterprise, and these data interact with the data lake of the blockchain 25 through the open gateway 24 .
  • the open gateway 24 judges whether to provide relevant data through contract verification between the data sharing protocol and the authorization information. Since both the data sharing agreement and the authorization information have been stored on the chain, the consistency of the data sharing agreement and the authorization information can be traded on the blockchain 25 . After the verification is passed, the open gateway 24 reads the relevant data from the blockchain 25 and sends it to the data requester 20 .
  • the server 2 may be the server or server cluster where the above-mentioned platforms are located.
  • the present application proposes a data sharing system 200 .
  • FIG. 3 it is a program module diagram of the first embodiment of the data sharing system 200 of the present application.
  • the data sharing system 200 includes a series of computer program instructions stored in the memory 11 .
  • the data sharing operations of the embodiments of the present application can be implemented.
  • data sharing system 200 may be divided into one or more modules based on the particular operations implemented by the various portions of the computer program instructions. For example, in FIG. 2 , the data sharing system 200 can be divided into a receiving module 201 , a generating module 202 , a checking module 203 , and a sending module 204 . in:
  • the receiving module 201 is configured to receive a data sharing application from a data requester.
  • the data sharing system is described in detail by taking the data sharing during enterprise financing as an example.
  • a data sharing application from a data requester is received.
  • the data sharing application is for requesting to query data related to the data authorizer.
  • the data sharing application can obtain a service authorization code.
  • the data requester is a financial institution (for example, a bank)
  • the receiving requester is an open platform for government affairs big data
  • the data authorizer is an enterprise (for example, a small, medium, and micro enterprise).
  • Financial institutions apply for business authorization codes from the government affairs big data open platform to query data related to a certain enterprise, so as to check whether they can lend money to the enterprise.
  • the data are mainly public data provided by various government commissions and offices (such as industry and commerce, courts, etc.), which are stored in the data lake of the blockchain. Financial institutions can select the required data in the government affairs big data open platform and choose the application period.
  • the generating module 202 is configured to generate a data sharing agreement according to the data sharing application and the smart contract, and return a service authorization code to the data requester.
  • a data sharing agreement can be generated according to the smart contract template, the data sharing agreement can be uploaded and saved to the blockchain, and a corresponding business authorization code can be returned to the data requester .
  • the service authorization code is a two-dimensional code currently generated in real time, and the corresponding data sharing protocol can be associated with the service authorization code subsequently.
  • the content of the data sharing agreement can be customized according to the actual application scenario, mainly to determine the data opening subject (such as relevant commissions, offices and bureaus), data users (such as banks and other financial institutions), data scope, use period, etc. Indicator content.
  • the government affairs big data open platform after receiving the data sharing application submitted by the financial institution, the government affairs big data open platform sends the bank name, the requested open data scope, usage period and other indicators to the government affairs public service platform, and then the government affairs public service platform The platform feeds back the above indicators to the government big data open platform by returning a URL with parameters.
  • the government affairs big data open platform generates a data sharing agreement according to the smart contract template, and at the same time, the agreement is stored on the chain, and a new business authorization code is returned to the financial institution.
  • the receiving module 201 is further configured to receive the service authorization code and authorization information provided by the data authorizer.
  • the data requester provides the service authorization code to the data authorizer, and the data authorizer can agree to the authorization by scanning the service authorization code.
  • the data authorizer is an enterprise legal person. After completing the enterprise registration and authentication on the government affairs public service platform, the legal person of the enterprise agrees to authorize the financial institution by scanning the business authorization code issued by the financial institution.
  • the government affairs public service platform is authorized by the enterprise, and the authorization information is uploaded and saved to the blockchain.
  • the authorization information includes the subject of data opening, the subject of data use, the scope of data, the period of use, and the like.
  • the government affairs public service platform is generally a platform led by the government department, it is guaranteed by the government's endorsement. Therefore, the successful registration of an enterprise on the platform means that the government department recognizes the identity of the enterprise, and the enterprise identity is real.
  • This embodiment proves the authenticity of the identity of the authorized enterprise through the endorsement of the government affairs public service platform, which is beneficial to reduce the risk of the financial institution handling business and improve the enterprise credit endorsement.
  • the government affairs public service platform as a credible third-party platform, uploads the enterprise authorization information to the chain, which can play a fair and just role for the data requester and data authorizer (enterprise and bank).
  • the verification module 203 is configured to perform contract verification according to the authorization information and the data sharing protocol.
  • the contract verification needs to be carried out according to the authorization information and the data sharing agreement, and the verification can only be sent to the The data requester provides the requested data, otherwise the authorization fails and data sharing cannot be performed.
  • the contract verification is mainly to determine whether the authorization information is consistent with each index in the data sharing agreement, and if all are consistent, the verification is passed.
  • the government affairs public service platform initiates a data query request to the government affairs data open gateway to request to query the openable data authorized by the enterprise, and these data interact with the data lake through the open gateway.
  • the open gateway judges whether to provide relevant data through the contract verification between the data sharing protocol and the authorization information. Specifically, it is necessary to verify whether the content of the agreement signed by the financial institution before and the content of the authorization information of the enterprise are consistent, including the subject of data use, the scope of the data, etc. Item indicators must be within the scope of the agreement.
  • the contract verification can be completed by transacting the consistency of the data sharing agreement and the authorization information on the blockchain .
  • This embodiment can ensure that the content authorized by the enterprise is consistent with the content in the data sharing agreement of the financial institution, and ensure that no more than one field is authorized in the data, so as to ensure the security of the data.
  • the sending module 204 is configured to read the relevant data from the blockchain and send it to the data requester after the verification is passed.
  • the requested data is read from the data lake of the blockchain and returned to the data requester. For example, read the relevant data of the enterprise and return it to the financial institution.
  • the data sharing system provided in this embodiment can automatically generate a data sharing agreement with the data requester, obtain the authorization of the data authorizer by providing the service authorization code, and associate the authorization information with the data sharing agreement. After the authorization information and the data sharing protocol are verified, the authorized data can be returned to the data requester to realize accurate authorization and sharing of data.
  • inclusive finance the corporate legal person only needs to scan the code once to complete the inclusive finance business, without submitting too many paper materials, understanding the business requirements, and making it easier for enterprises (especially small and medium-sized enterprises) to handle business.
  • Financial institutions can obtain relevant data of authorized enterprises through agreements signed with various commissions, offices and bureaus to complete the acceptance of inclusive finance business, and at the same time endorse through the government public service platform to ensure the authenticity of the applicant's identity and corporate data, reducing the risk of financial institutions , to better provide financial services for enterprises.
  • the conditional open public data can help to help enterprises develop and improve social and economic development.
  • the use of blockchain technology can ensure data privacy and security. Data does not open a single field to achieve accurate authorization of data, fully Ensure data privacy and security.
  • the data sharing system 200 further includes a recording module 205 in addition to the receiving module 201 , the generating module 202 , the checking module 203 , and the sending module 204 in the first embodiment.
  • the recording module 205 is used to record the authorization query behavior log and upload it to the blockchain.
  • the authorized query behavior log includes the data open subject, the data use subject, the query time, the data range, etc., and is uploaded and saved in the blockchain.
  • the open gateway uploads the authorization query behavior log to the chain for storage and stamps a time stamp to facilitate subsequent data traceability.
  • the financial institution provides the enterprise with inclusive financial services, it will also generate some data related to the enterprise, and the financial institution can feed these data back to the government department, so as to expand the portrait data related to the enterprise, so that the Enterprise data is becoming more and more accurate.
  • the data sharing system provided in this embodiment can automatically generate a data sharing agreement with the data requester, obtain the authorization of the data authorizer by providing the service authorization code, and associate the authorization information with the data sharing agreement. After the authorization information and the data sharing protocol are verified, the authorized data can be returned to the data requester to realize accurate authorization and sharing of data.
  • the data sharing agreement, authorization information, and authorization query behavior log for data are uploaded and stored in the blockchain, which ensures data privacy and security.
  • inclusive finance the corporate legal person only needs to scan the code once to complete the inclusive finance business, without submitting too many paper materials, understanding the business requirements, and making it easier for enterprises (especially small and medium-sized enterprises) to handle business.
  • Financial institutions can obtain relevant data of authorized enterprises through agreements signed with various commissions, offices and bureaus to complete the acceptance of inclusive finance business, and at the same time endorse through the government public service platform to ensure the authenticity of the applicant's identity and corporate data, reducing the risk of financial institutions , to better provide financial services for enterprises.
  • the conditional open public data can help to help enterprises develop and improve social and economic development.
  • the use of blockchain technology can ensure data privacy and security.
  • the present application also proposes a data sharing method.
  • FIG. 5 it is a schematic flowchart of the first embodiment of the data sharing method of the present application.
  • the execution order of the steps in the flowchart shown in FIG. 5 can be changed, and some steps can be omitted.
  • the method includes the following steps:
  • Step S400 receiving a data sharing application from a data requester.
  • the data sharing system is described in detail by taking the data sharing during enterprise financing as an example.
  • a data sharing application from a data requester is received.
  • the data sharing application is for requesting to query data related to the data authorizer.
  • the data sharing application can obtain a service authorization code.
  • the data requester is a financial institution (for example, a bank)
  • the receiving requester is an open platform for government affairs big data
  • the data authorizer is an enterprise (for example, a small, medium, and micro enterprise).
  • Financial institutions apply for business authorization codes from the government affairs big data open platform to query data related to a certain enterprise, so as to check whether they can lend money to the enterprise.
  • the data are mainly public data provided by various government commissions and offices (such as industry and commerce, courts, etc.), which are stored in the data lake of the blockchain. Financial institutions can select the required data in the government affairs big data open platform and choose the application period.
  • Step S402 generating a data sharing agreement according to the data sharing application and the smart contract, and returning a service authorization code to the data requester.
  • a data sharing agreement can be generated according to the smart contract template, the data sharing agreement can be uploaded and saved to the blockchain, and a corresponding business authorization code can be returned to the data requester .
  • the service authorization code is a two-dimensional code currently generated in real time, and the corresponding data sharing protocol can be associated with the service authorization code subsequently.
  • the content of the data sharing agreement can be customized according to the actual application scenario, mainly to determine the data opening subject (such as relevant commissions, offices and bureaus), data users (such as banks and other financial institutions), data scope, use period and other constraints. Indicator content.
  • the government affairs big data open platform after receiving the data sharing application submitted by the financial institution, the government affairs big data open platform sends the bank name, the requested open data scope, usage period and other indicators to the government affairs public service platform, and then the government affairs public service platform The platform feeds back the above indicators to the government big data open platform by returning a URL with parameters.
  • the government affairs big data open platform generates a data sharing agreement according to the smart contract template, and at the same time, the agreement is stored on the chain, and a new business authorization code is returned to the financial institution.
  • Step S404 receiving the service authorization code and authorization information provided by the data authorizer.
  • the data requester provides the service authorization code to the data authorizer, and the data authorizer can agree to the authorization by scanning the service authorization code.
  • the data authorizer is an enterprise legal person. After completing the enterprise registration and authentication on the government affairs public service platform, the legal person of the enterprise agrees to authorize the financial institution by scanning the business authorization code issued by the financial institution.
  • the government affairs public service platform is authorized by the enterprise, and the authorization information is uploaded and saved to the blockchain.
  • the authorization information includes the subject of data opening, the subject of data use, the scope of data, the period of use, and the like.
  • the government affairs public service platform is generally a platform led by the government department, it is guaranteed by the government's endorsement. Therefore, the successful registration of an enterprise on the platform means that the government department recognizes the identity of the enterprise, and the enterprise identity is real.
  • This embodiment proves the authenticity of the identity of the authorized enterprise through the endorsement of the government affairs public service platform, which is beneficial to reduce the risk of the financial institution handling business and improve the enterprise credit endorsement.
  • the government affairs public service platform as a credible third-party platform, uploads the enterprise authorization information to the chain, which can play a fair and just role for the data requester and data authorizer (enterprise and bank).
  • Step S406 performing contract verification according to the authorization information and the data sharing agreement.
  • the contract verification needs to be carried out according to the authorization information and the data sharing agreement, and the verification can only be sent to the The data requester provides the requested data, otherwise the authorization fails and data sharing cannot be performed.
  • the contract verification is mainly to determine whether the authorization information is consistent with each index in the data sharing agreement, and if all are consistent, the verification is passed.
  • the government affairs public service platform initiates a data query request to the government affairs data open gateway to request to query the openable data authorized by the enterprise, and these data interact with the data lake through the open gateway.
  • the open gateway judges whether to provide relevant data through the contract verification between the data sharing protocol and the authorization information. Specifically, it is necessary to verify whether the content of the agreement signed by the financial institution before and the content of the authorization information of the enterprise are consistent, including the subject of data use, the scope of the data, etc. Item indicators must be within the scope of the agreement.
  • the contract verification can be completed by transacting the consistency of the data sharing agreement and the authorization information on the blockchain .
  • This embodiment can ensure that the content authorized by the enterprise is consistent with the content in the data sharing agreement of the financial institution, and ensure that no more than one field is authorized in the data, so as to ensure the security of the data.
  • Step S408 when the verification is passed, read the relevant data from the blockchain and send it to the data requester.
  • the requested data is read from the data lake of the blockchain and returned to the data requester. For example, read the relevant data of the enterprise and return it to the financial institution.
  • the data sharing method provided in this embodiment can automatically generate a data sharing agreement with the data requester, obtain the authorization of the data authorizer by providing the service authorization code, and associate the authorization information with the data sharing agreement. After the authorization information and the data sharing protocol are verified, the authorized data can be returned to the data requester to realize accurate authorization and sharing of data.
  • inclusive finance the corporate legal person only needs to scan the code once to complete the inclusive finance business, without submitting too many paper materials, understanding the business requirements, and making it easier for enterprises (especially small and medium-sized enterprises) to handle business.
  • Financial institutions can obtain relevant data of authorized enterprises through agreements signed with various commissions, offices and bureaus to complete the acceptance of inclusive finance business, and at the same time endorse through the government public service platform to ensure the authenticity of the applicant's identity and corporate data, reducing the risk of financial institutions , to better provide financial services for enterprises.
  • the conditional open public data can help to help enterprises develop and improve social and economic development.
  • the use of blockchain technology can ensure data privacy and security. Data does not open a single field to achieve accurate authorization of data, fully Ensure data privacy and security.
  • steps S500-S508 of the data sharing method are similar to steps S400-S408 of the first embodiment, the difference is that the method further includes step S510.
  • the method includes the following steps:
  • Step S500 receiving a data sharing application from a data requester.
  • the data sharing system is described in detail by taking the data sharing during enterprise financing as an example.
  • a data sharing application from a data requester is received.
  • the data sharing application is for requesting to query data related to the data authorizer.
  • the data sharing application can obtain a service authorization code.
  • the data requester is a financial institution (for example, a bank)
  • the receiving requester is an open platform for government affairs big data
  • the data authorizer is an enterprise (for example, a small, medium, and micro enterprise).
  • Financial institutions apply for business authorization codes from the government affairs big data open platform to query data related to a certain enterprise, so as to check whether they can lend money to the enterprise.
  • the data are mainly public data provided by various government commissions and offices (such as industry and commerce, courts, etc.), which are stored in the data lake of the blockchain. Financial institutions can select the required data in the government affairs big data open platform and choose the application period.
  • Step S502 Generate a data sharing agreement according to the data sharing application and the smart contract, and return a service authorization code to the data requester.
  • a data sharing agreement can be generated according to the smart contract template, the data sharing agreement can be uploaded and saved to the blockchain, and a corresponding business authorization code can be returned to the data requester .
  • the service authorization code is a two-dimensional code currently generated in real time, and the corresponding data sharing protocol can be associated with the service authorization code subsequently.
  • the content of the data sharing agreement can be customized according to the actual application scenario, mainly to determine the data opening subject (such as relevant commissions, offices and bureaus), data users (such as banks and other financial institutions), data scope, use period and other constraints. Indicator content.
  • the government affairs big data open platform after receiving the data sharing application submitted by the financial institution, the government affairs big data open platform sends the bank name, the requested open data scope, usage period and other indicators to the government affairs public service platform, and then the government affairs public service platform The platform feeds back the above indicators to the government big data open platform by returning a URL with parameters.
  • the government affairs big data open platform generates a data sharing agreement according to the smart contract template, and at the same time, the agreement is stored on the chain, and a new business authorization code is returned to the financial institution.
  • Step S504 receiving the service authorization code and authorization information provided by the data authorizer.
  • the data requester provides the service authorization code to the data authorizer, and the data authorizer can agree to the authorization by scanning the service authorization code.
  • the data authorizer is an enterprise legal person. After completing the enterprise registration and authentication on the government affairs public service platform, the legal person of the enterprise agrees to authorize the financial institution by scanning the business authorization code issued by the financial institution.
  • the government affairs public service platform is authorized by the enterprise, and the authorization information is uploaded and saved to the blockchain.
  • the authorization information includes the subject of data opening, the subject of data use, the scope of data, the period of use, and the like.
  • the government affairs public service platform is generally a platform led by the government department, it is guaranteed by the government's endorsement. Therefore, the successful registration of an enterprise on the platform means that the government department recognizes the identity of the enterprise, and the enterprise identity is real.
  • This embodiment proves the authenticity of the identity of the authorized enterprise through the endorsement of the government affairs public service platform, which is beneficial to reduce the risk of the financial institution handling business and improve the enterprise credit endorsement.
  • the government affairs public service platform as a credible third-party platform, uploads the enterprise authorization information to the chain, which can play a fair and just role for the data requester and data authorizer (enterprise and bank).
  • Step S506 performing contract verification according to the authorization information and the data sharing agreement.
  • the contract verification needs to be carried out according to the authorization information and the data sharing agreement, and the verification can only be sent to the The data requester provides the requested data, otherwise the authorization fails and data sharing cannot be performed.
  • the contract verification is mainly to determine whether the authorization information is consistent with each index in the data sharing agreement, and if all are consistent, the verification is passed.
  • the government affairs public service platform initiates a data query request to the government affairs data open gateway to request to query the openable data authorized by the enterprise, and these data interact with the data lake through the open gateway.
  • the open gateway judges whether to provide relevant data through the contract verification between the data sharing protocol and the authorization information. Specifically, it is necessary to verify whether the content of the agreement signed by the financial institution before and the content of the authorization information of the enterprise are consistent, including the subject of data use, the scope of the data, etc. Item indicators must be within the scope of the agreement.
  • the contract verification can be completed by transacting the consistency of the data sharing agreement and the authorization information on the blockchain .
  • This embodiment can ensure that the content authorized by the enterprise is consistent with the content in the data sharing agreement of the financial institution, and ensure that no more than one field is authorized in the data, so as to ensure the security of the data.
  • Step S508 when the verification is passed, read the relevant data from the blockchain and send it to the data requester.
  • the requested data is read from the data lake of the blockchain and returned to the data requester. For example, read the relevant data of the enterprise and return it to the financial institution.
  • Step S510 record the authorization query behavior log and upload it to the blockchain.
  • the authorized query behavior log includes the data open subject, the data use subject, the query time, the data range, etc., and is uploaded and saved in the blockchain.
  • the open gateway uploads the authorization query behavior log to the chain for storage and stamps a time stamp to facilitate subsequent data traceability.
  • the financial institution provides the enterprise with inclusive financial services, it will also generate some data related to the enterprise, and the financial institution can feed these data back to the government department, so as to expand the portrait data related to the enterprise, so that the Enterprise data is becoming more and more accurate.
  • the data sharing method provided in this embodiment can automatically generate a data sharing agreement with the data requester, obtain the authorization of the data authorizer by providing the service authorization code, and associate the authorization information with the data sharing agreement. After the authorization information and the data sharing protocol are verified, the authorized data can be returned to the data requester to realize accurate authorization and sharing of data.
  • the data sharing agreement, authorization information, and authorization query behavior log for data are uploaded and stored in the blockchain, which ensures data privacy and security.
  • inclusive finance the corporate legal person only needs to scan the code once to complete the inclusive finance business, without submitting too many paper materials, understanding the business requirements, and making it easier for enterprises (especially small and medium-sized enterprises) to handle business.
  • Financial institutions can obtain relevant data of authorized enterprises through agreements signed with various commissions, offices and bureaus to complete the acceptance of inclusive finance business, and at the same time endorse through the government public service platform to ensure the authenticity of the applicant's identity and corporate data, reducing the risk of financial institutions , to better provide financial services for enterprises.
  • the conditional open public data can help to help enterprises develop and improve social and economic development.
  • the use of blockchain technology can ensure data privacy and security.
  • the present application also provides another embodiment, that is, to provide a computer-readable storage medium, where a data sharing program is stored in the computer-readable storage medium, and the data sharing program can be executed by at least one processor, so that all The at least one processor executes the steps of the data sharing method as described above.
  • the method of the above embodiment can be implemented by means of software plus a necessary general hardware platform, and of course can also be implemented by hardware, but in many cases the former is better implementation.
  • the technical solution of the present application can be embodied in the form of a software product in essence or the part that contributes to the prior art, and the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disk, CD-ROM), including several instructions to make a terminal device (which may be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) execute the methods described in the various embodiments of this application.
  • a storage medium such as ROM/RAM, magnetic disk, CD-ROM

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Abstract

一种数据共享方法，包括：接收数据请求方的数据共享申请，根据数据共享申请和智能合约生成数据共享协议，并向数据请求方返回业务授权码，接收数据授权方提供的业务授权码和授权信息，根据授权信息和数据共享协议进行合约校验，当校验通过后，从区块链中读取数据授权方相关的数据发送给数据请求方，以保障数据隐私安全。此外，还公开了实现方法的数据共享***、服务器及计算机可读介质。

Description

数据共享方法、***、服务器及计算机可读存储介质
本申请要求于2020年10月12日提交中国专利局、申请号为202011087874.7，发明名称为“数据共享方法、***、服务器及计算机可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在本申请中。
技术领域
本申请涉及区块链技术领域，尤其涉及一种数据共享方法、***、服务器及计算机可读存储介质。
 背景技术
随着科技发展，现在已进入信息化时代，越来越多的场景需要应用各种各样的信息。但是，发明人意识到，若信息数据共享不到位，导致信息不对称，可能会影响后续应用。而若是信息数据共享太容易，又可能出现数据泄露，导致数据安全问题。
例如，如今中小微企业融资难、融资贵、融资慢的问题仍然突出，造成上述问题的一个根本原因是中小企业存在过高的经营风险，例如规模小、缺少足够的抵押资产、经营不稳定和治理结构不规范，大多不符合金融机构的贷款条件。而且，信息不对称问题使得金融机构难以准确识别中小企业的信用风险，无法打破中小微企业抵押、担保瓶颈。而对于金融机构而言，存在贷前数据不全、贷中审批低效、贷后监控不及时等问题。金融机构普遍依赖于人工进行贷前调查，平均调查周期长；同时，金融机构缺乏集中、可靠的数据查询渠道，工商、法院、抵质押等数据需要在不同的部门及其网站分别查询，耗时耗力，但仍然存在数据缺失的问题，拉低了审批效率；在贷后管理部分，多数金融机构存在缺乏实时数据的问题，且依赖于人工上门尽调，不利于金融机构风控能力及效率提升。另外，对于政府部门，若数据对外共享，可能存在数据泄露隐私、数据安全问题等。
因此，如何在克服以上不足的情况下，提供简便而安全的数据共享方案，已经成为一个亟待解决的技术问题。
 技术解决方案
本申请提出一种数据共享方法，该方法包括步骤：
接收数据请求方的数据共享申请；
根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
接收数据授权方提供的所述业务授权码和授权信息；
根据所述授权信息和所述数据共享协议进行合约校验；及
当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
本申请还提供一种数据共享***，所述***包括：
接收模块，用于接收数据请求方的数据共享申请；
生成模块，用于根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
所述接收模块，还用于接收数据授权方提供的所述业务授权码和授权信息；
校验模块，用于根据所述授权信息和所述数据共享协议进行合约校验；及
发送模块，用于当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
本申请还提供一种服务器，包括存储器、处理器，所述存储器上存储有可在所述处理器上运行的数据共享***，所述数据共享***被所述处理器执行时实现如下述的数据共享方法的步骤：
接收数据请求方的数据共享申请；
根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
接收数据授权方提供的所述业务授权码和授权信息；
根据所述授权信息和所述数据共享协议进行合约校验；及
当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
本申请还提供一种计算机可读存储介质，所述计算机可读存储介质存储有数据共享***，所述数据共享***可被至少一个处理器执行，以使所述至少一个处理器执行如下述的数据共享方法的步骤：
接收数据请求方的数据共享申请；
根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
接收数据授权方提供的所述业务授权码和授权信息；
根据所述授权信息和所述数据共享协议进行合约校验；及
当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
 附图说明
图1是本申请服务器一可选的硬件架构的示意图；
图2是本申请各个实施例一可选的应用环境示意图；
图3是本申请数据共享***第一实施例的程序模块示意图；
图4是本申请数据共享***第二实施例的程序模块示意图；
图5是本申请数据共享方法第一实施例的流程示意图；
图6是本申请数据共享方法第二实施例的流程示意图；
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
 本发明的实施方式
为了使本申请的目的、技术方案及优点更加清楚明白，以下结合附图及实施例，对本申请进行进一步详细说明。应当理解，此处所描述的具体实施例仅用以解释本申请，并不用于限定本申请。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
需要说明的是，在本申请中涉及“第一”、“第二”等的描述仅用于描述目的，而不能理解为指示或暗示其相对重要性或者隐含指明所指示的技术特征的数量。由此，限定有“第一”、“第二”的特征可以明示或者隐含地包括至少一个该特征。另外，各个实施例之间的技术方案可以相互结合，但是必须是以本领域普通技术人员能够实现为基础，当技术方案的结合出现相互矛盾或无法实现时应当认为这种技术方案的结合不存在，也不在本申请要求的保护范围之内。
参阅图1所示，是本申请服务器2一可选的硬件架构的示意图。
本实施例中，所述服务器2可包括，但不仅限于，可通过***总线相互通信连接存储器11、处理器12、网络接口13。需要指出的是，图1仅示出了具有组件11-13的服务器2，但是应理解的是，并不要求实施所有示出的组件，可以替代的实施更多或者更少的组件。
其中，所述服务器2可以是机架式服务器、刀片式服务器、塔式服务器或机柜式服务器等计算设备，该服务器2可以是独立的服务器，也可以是多个服务器所组成的服务器集群。
所述存储器11至少包括一种类型的可读存储介质，所述可读存储介质可以是易失性的，也可以是非易失性的。具体的，所述可读存储介质包括闪存、硬盘、多媒体卡、卡型存储器（例如，SD或DX存储器等）、随机访问存储器（RAM）、静态随机访问存储器（SRAM）、只读存储器（ROM）、电可擦除可编程只读存储器（EEPROM）、可编程只读存储器（PROM）、磁性存储器、磁盘、光盘等。在一些实施例中，所述存储器11可以是所述服务器2的内部存储单元，例如该服务器2的硬盘或内存。在另一些实施例中，所述存储器11也可以是所述服务器2的外部存储设备，例如该服务器2上配备的插接式硬盘，智能存储卡（SmartMediaCard, SMC），安全数字（SecureDigital, SD）卡，闪存卡（FlashCard）等。当然，所述存储器11还可以既包括所述服务器2的内部存储单元也包括其外部存储设备。本实施例中，所述存储器11通常用于存储安装于所述服务器2的操作***和各类应用软件，例如数据共享***200的程序代码等。此外，所述存储器11还可以用于暂时地存储已经输出或者将要输出的各类数据。
所述处理器12在一些实施例中可以是中央处理器（CentralProcessingUnit，CPU）、控制器、微控制器、微处理器、或其他数据处理芯片。该处理器12通常用于控制所述服务器2的总体操作。本实施例中，所述处理器12用于运行所述存储器11中存储的程序代码或者处理数据，例如运行所述的数据共享***200等。
所述网络接口13可包括无线网络接口或有线网络接口，该网络接口13通常用于在所述服务器2与其他电子设备之间建立通信连接。
本申请各个实施例以企业融资时的数据共享为例进行详细说明。参阅图2所示，是本申请各个实施例一可选的应用环境示意图。在本实施例中，本申请可应用于包括，但不仅限于，数据请求方（金融机构）20、数据授权方（企业）21、政务大数据开放平台22、政务公共服务平台23、开放网关24、区块链25的应用环境中。其中，数据请求方20向政务大数据开放平台22发出数据共享申请，请求查询与数据授权方21相关的数据。所述数据主要是由政府各委办局（例如工商、法院等）提供的可公开数据，保存在区块链25的数据湖中。政务大数据开放平台22接收根据所述数据共享申请和智能合约生成数据共享协议，将所述数据共享协议上传保存至区块链25中，并向数据请求方20返回业务授权码。数据请求方20将所述业务授权码提供给数据授权方21，数据授权方21在政务公共服务平台23通过扫描所述业务授权码同意授权。政务公共服务平台23获得企业授权后，将授权信息上传保存至区块链25中。政务公共服务平台23向开放网关24发起数据查询请求，以请求查询该企业已授权的可公开数据，这些数据是通过开放网关24来与区块链25的所述数据湖进行交互的。开放网关24通过所述数据共享协议和所述授权信息之间的合约校验判断是否提供相关数据。由于所述数据共享协议和所述授权信息均已上链保存，因此可以通过在区块链25上交易所述数据共享协议和所述授权信息的一致性。当校验通过后，开放网关24从区块链25中读取相关数据发送给数据请求方20。
因此，所述服务器2可以是上述各个平台所在的服务器或服务器集群。
至此，己经详细介绍了本申请各个实施例的应用环境和相关设备的硬件结构和功能。下面，将基于上述应用环境和相关设备，提出本申请的各个实施例。
首先，本申请提出一种数据共享***200。
参阅图3所示，是本申请数据共享***200第一实施例的程序模块图。
本实施例中，所述数据共享***200包括一系列的存储于存储器11上的计算机程序指令，当该计算机程序指令被处理器12执行时，可以实现本申请各实施例的数据共享操作。在一些实施例中，基于该计算机程序指令各部分所实现的特定的操作，数据共享***200可以被划分为一个或多个模块。例如，在图2中，所述数据共享***200可以被分割成接收模块201、生成模块202、校验模块203、发送模块204。其中：
所述接收模块201，用于接收数据请求方的数据共享申请。
具体地，本实施例以企业融资时的数据共享为例对所述数据共享***进行详细说明。首先，接收数据请求方的数据共享申请，所述数据共享申请是为了请求查询与数据授权方相关的数据，此时所述数据共享申请可以得到一个业务授权码。在本实施例中，所述数据请求方为金融机构（例如银行），接收请求方为政务大数据开放平台，数据授权方为企业（例如中小微企业）。金融机构向政务大数据开放平台申请业务授权码，以查询与某个企业相关的数据，从而审核是否可为该企业放贷。其中，所述数据主要是由政府各委办局（例如工商、法院等）提供的可公开数据，保存在区块链的数据湖中。金融机构可在政务大数据开放平台中勾选需要的数据，并选择申请使用期限。
所述生成模块202，用于根据所述数据共享申请和智能合约生成数据共享协议，并向数据请求方返回业务授权码。
具体地，在接收到所述数据共享申请后，可以根据智能合约模板生成数据共享协议，将所述数据共享协议上传保存至区块链中，并向所述数据请求方返回对应的业务授权码。所述业务授权码为当前实时生成的二维码，后续通过所述业务授权码，即可关联出对应的所述数据共享协议。所述数据共享协议的内容可以根据实际应用场景进行自定义设置，主要是确定数据开放主体（例如相关委办局）、数据使用主体（例如银行等金融机构）、数据范围、使用期限等约束性指标内容。
在本实施例中，政务大数据开放平台接收到金融机构提交的所述数据共享申请后，将银行名称以及所请求开放的数据范围、使用期限等指标发送至政务公共服务平台，然后政务公共服务平台通过返回带参数的URL，向政务大数据开放平台反馈上述的指标内容。政务大数据开放平台根据智能合约模板生成数据共享协议，同时将该协议上链存证，并向金融机构返回新的业务授权码。
通过智能合约技术，可以实现金融机构和政府各委办局的数据共享协议签订，减少大量的人力、物力和时间成本。而且所有协议均上链存证，使得协议数据不可篡改，保障数据安全。
所述接收模块201，还用于接收数据授权方提供的业务授权码和授权信息。
具体地，数据请求方将所述业务授权码提供给数据授权方，则数据授权方通过扫描所述业务授权码即可同意授权。在本实施例中，所述数据授权方为企业法人。企业法人在政务公共服务平台完成企业注册和认证后，通过扫描金融机构出具的所述业务授权码，同意向该金融机构进行授权。政务公共服务平台获得企业授权，将授权信息上传保存至区块链中。所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限等。
由于政务公共服务平台一般为政府部门牵头搭建的平台，是有政府背书担保的，因此，企业在该平台注册成功则说明政府部门认可该企业的身份，企业身份是真实的。本实施例通过政务公共服务平台背书，证明授权企业身份的真实性，有利于降低金融机构办理业务的风险，使企业信用背书提升。同时，政务公共服务平台作为第三方有公信力的平台将企业授权信息上链，能够对所述数据请求方和数据授权方（企业和银行）起到公平、公正的作用。
所述校验模块203，用于根据所述授权信息和所述数据共享协议进行合约校验。
具体地，在收到所述数据请求方请求进行数据共享并得到所述数据授权方同意授权后，需要根据所述授权信息和所述数据共享协议进行合约校验，校验通过才能向所述数据请求方提供所请求的数据，否则授权失败，无法进行数据共享。所述合约校验主要是判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
在本实施例中，政务公共服务平台向政务数据开放网关发起数据查询请求，以请求查询该企业已授权的可公开数据，这些数据是通过开放网关来与数据湖进行交互的。开放网关通过所述数据共享协议和所述授权信息之间的合约校验判断是否提供相关数据。具体而言，需要校验金融机构之前签署的协议内容和企业的授权信息之间的内容是否一致，包括数据使用主体、数据范围等，若超过协议内容则不符合授权审批要求，授权信息的各项指标必须在协议范围内。
值得注意的是，由于所述数据共享协议和所述授权信息均已上链保存，因此可以通过在区块链上交易所述数据共享协议和所述授权信息的一致性完成所述合约校验。
本实施例可以确保企业授权内容和金融机构的所述数据共享协议上的内容保持一致，保证数据不多授权一个字段，以保障数据的安全。
所述发送模块204，用于当校验通过后，从区块链中读取相关数据发送给数据请求方。
具体地，若校验通过，则从区块链的数据湖中读取所请求的数据，返回给数据请求方。例如，读取该企业相关数据后返回给金融机构。
本实施例提供的数据共享***，可以自动生成与数据请求方之间的数据共享协议，并通过提供业务授权码获得数据授权方的授权，以及关联授权信息和所述数据共享协议，当对所述授权信息和数据共享协议校验通过后，即可将授权的数据返回给数据请求方，实现数据的精确授权和共享。
具体到普惠金融场景中，只需要企业法人通过一次扫码，即可完成普惠金融业务，无需提交过多的纸质材料，了解业务要求，方便企业（尤其是中小微企业）办理业务。金融机构可通过与各委办局签订的协议获取授权企业的相关数据，完成普惠金融业务受理，同时通过政务公共服务平台背书，确保申请企业的身份真实，企业数据真实，降低金融机构的风险，更好的为企业提供金融服务。而对于政府来说，有条件的开放公共数据，有助力帮助企业发展，提升社会经济发展，同时借助区块链技术能够保证数据隐私安全，数据不多开放一个字段，实现数据的精确授权，充分保证数据隐私安全。
参阅图4所示，是本申请数据共享***200第二实施例的程序模块图。本实施例中，所述的数据共享***200除了包括第一实施例中的所述接收模块201、生成模块202、校验模块203、发送模块204之外，还包括记录模块205。
所述记录模块205，用于记录授权查询行为日志并上传至区块链中。
具体地，所述授权查询行为日志包括数据开放主体、数据使用主体、查询时间、数据范围等，上传保存至区块链中。在本实施例中，开放网关将所述授权查询行为日志上链存证并打上时间戳，以便后续数据追溯。
可选地，金融机构在为该企业提供普惠金融业务期间，也会产生一些与该企业相关的数据，则金融机构可以将这些数据反哺给政府部门，从而扩充该企业相关的画像数据，使得企业数据越来越多，越来越精准。
本实施例提供的数据共享***，可以自动生成与数据请求方之间的数据共享协议，并通过提供业务授权码获得数据授权方的授权，以及关联授权信息和所述数据共享协议，当对所述授权信息和数据共享协议校验通过后，即可将授权的数据返回给数据请求方，实现数据的精确授权和共享。其中，所述数据共享协议、授权信息和对数据的授权查询行为日志都上传保存至区块链中，保障了数据隐私安全。
具体到普惠金融场景中，只需要企业法人通过一次扫码，即可完成普惠金融业务，无需提交过多的纸质材料，了解业务要求，方便企业（尤其是中小微企业）办理业务。金融机构可通过与各委办局签订的协议获取授权企业的相关数据，完成普惠金融业务受理，同时通过政务公共服务平台背书，确保申请企业的身份真实，企业数据真实，降低金融机构的风险，更好的为企业提供金融服务。而对于政府来说，有条件的开放公共数据，有助力帮助企业发展，提升社会经济发展，同时借助区块链技术能够保证数据隐私安全，数据不多开放一个字段，实现数据的精确授权，充分保证数据隐私安全。同时，所有协议、授权信息和授权查询行为日志上链可以追溯数据的使用情况，并保证任何一次授权行为不被篡改。
此外，本申请还提出一种数据共享方法。
参阅图5所示，是本申请数据共享方法第一实施例的流程示意图。在本实施例中，根据不同的需求，图5所示的流程图中的步骤的执行顺序可以改变，某些步骤可以省略。
该方法包括以下步骤：
步骤S400，接收数据请求方的数据共享申请。
具体地，本实施例以企业融资时的数据共享为例对所述数据共享***进行详细说明。首先，接收数据请求方的数据共享申请，所述数据共享申请是为了请求查询与数据授权方相关的数据，此时所述数据共享申请可以得到一个业务授权码。在本实施例中，所述数据请求方为金融机构（例如银行），接收请求方为政务大数据开放平台，数据授权方为企业（例如中小微企业）。金融机构向政务大数据开放平台申请业务授权码，以查询与某个企业相关的数据，从而审核是否可为该企业放贷。其中，所述数据主要是由政府各委办局（例如工商、法院等）提供的可公开数据，保存在区块链的数据湖中。金融机构可在政务大数据开放平台中勾选需要的数据，并选择申请使用期限。
步骤S402，根据所述数据共享申请和智能合约生成数据共享协议，并向数据请求方返回业务授权码。
具体地，在接收到所述数据共享申请后，可以根据智能合约模板生成数据共享协议，将所述数据共享协议上传保存至区块链中，并向所述数据请求方返回对应的业务授权码。所述业务授权码为当前实时生成的二维码，后续通过所述业务授权码，即可关联出对应的所述数据共享协议。所述数据共享协议的内容可以根据实际应用场景进行自定义设置，主要是确定数据开放主体（例如相关委办局）、数据使用主体（例如银行等金融机构）、数据范围、使用期限等约束性指标内容。
在本实施例中，政务大数据开放平台接收到金融机构提交的所述数据共享申请后，将银行名称以及所请求开放的数据范围、使用期限等指标发送至政务公共服务平台，然后政务公共服务平台通过返回带参数的URL，向政务大数据开放平台反馈上述的指标内容。政务大数据开放平台根据智能合约模板生成数据共享协议，同时将该协议上链存证，并向金融机构返回新的业务授权码。
通过智能合约技术，可以实现金融机构和政府各委办局的数据共享协议签订，减少大量的人力、物力和时间成本。而且所有协议均上链存证，使得协议数据不可篡改，保障数据安全。
步骤S404，接收数据授权方提供的业务授权码和授权信息。
具体地，数据请求方将所述业务授权码提供给数据授权方，则数据授权方通过扫描所述业务授权码即可同意授权。在本实施例中，所述数据授权方为企业法人。企业法人在政务公共服务平台完成企业注册和认证后，通过扫描金融机构出具的所述业务授权码，同意向该金融机构进行授权。政务公共服务平台获得企业授权，将授权信息上传保存至区块链中。所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限等。
由于政务公共服务平台一般为政府部门牵头搭建的平台，是有政府背书担保的，因此，企业在该平台注册成功则说明政府部门认可该企业的身份，企业身份是真实的。本实施例通过政务公共服务平台背书，证明授权企业身份的真实性，有利于降低金融机构办理业务的风险，使企业信用背书提升。同时，政务公共服务平台作为第三方有公信力的平台将企业授权信息上链，能够对所述数据请求方和数据授权方（企业和银行）起到公平、公正的作用。
步骤S406，根据所述授权信息和所述数据共享协议进行合约校验。
具体地，在收到所述数据请求方请求进行数据共享并得到所述数据授权方同意授权后，需要根据所述授权信息和所述数据共享协议进行合约校验，校验通过才能向所述数据请求方提供所请求的数据，否则授权失败，无法进行数据共享。所述合约校验主要是判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
在本实施例中，政务公共服务平台向政务数据开放网关发起数据查询请求，以请求查询该企业已授权的可公开数据，这些数据是通过开放网关来与数据湖进行交互的。开放网关通过所述数据共享协议和所述授权信息之间的合约校验判断是否提供相关数据。具体而言，需要校验金融机构之前签署的协议内容和企业的授权信息之间的内容是否一致，包括数据使用主体、数据范围等，若超过协议内容则不符合授权审批要求，授权信息的各项指标必须在协议范围内。
值得注意的是，由于所述数据共享协议和所述授权信息均已上链保存，因此可以通过在区块链上交易所述数据共享协议和所述授权信息的一致性完成所述合约校验。
本实施例可以确保企业授权内容和金融机构的所述数据共享协议上的内容保持一致，保证数据不多授权一个字段，以保障数据的安全。
步骤S408，当校验通过后，从区块链中读取相关数据发送给数据请求方。
具体地，若校验通过，则从区块链的数据湖中读取所请求的数据，返回给数据请求方。例如，读取该企业相关数据后返回给金融机构。
本实施例提供的数据共享方法，可以自动生成与数据请求方之间的数据共享协议，并通过提供业务授权码获得数据授权方的授权，以及关联授权信息和所述数据共享协议，当对所述授权信息和数据共享协议校验通过后，即可将授权的数据返回给数据请求方，实现数据的精确授权和共享。
具体到普惠金融场景中，只需要企业法人通过一次扫码，即可完成普惠金融业务，无需提交过多的纸质材料，了解业务要求，方便企业（尤其是中小微企业）办理业务。金融机构可通过与各委办局签订的协议获取授权企业的相关数据，完成普惠金融业务受理，同时通过政务公共服务平台背书，确保申请企业的身份真实，企业数据真实，降低金融机构的风险，更好的为企业提供金融服务。而对于政府来说，有条件的开放公共数据，有助力帮助企业发展，提升社会经济发展，同时借助区块链技术能够保证数据隐私安全，数据不多开放一个字段，实现数据的精确授权，充分保证数据隐私安全。
如图6所示，是本申请数据共享方法的第二实施例的流程示意图。本实施例中，所述数据共享方法的步骤S500-S508与第一实施例的步骤S400-S408相类似，区别在于该方法还包括步骤S510。
该方法包括以下步骤：
步骤S500，接收数据请求方的数据共享申请。
具体地，本实施例以企业融资时的数据共享为例对所述数据共享***进行详细说明。首先，接收数据请求方的数据共享申请，所述数据共享申请是为了请求查询与数据授权方相关的数据，此时所述数据共享申请可以得到一个业务授权码。在本实施例中，所述数据请求方为金融机构（例如银行），接收请求方为政务大数据开放平台，数据授权方为企业（例如中小微企业）。金融机构向政务大数据开放平台申请业务授权码，以查询与某个企业相关的数据，从而审核是否可为该企业放贷。其中，所述数据主要是由政府各委办局（例如工商、法院等）提供的可公开数据，保存在区块链的数据湖中。金融机构可在政务大数据开放平台中勾选需要的数据，并选择申请使用期限。
步骤S502，根据所述数据共享申请和智能合约生成数据共享协议，并向数据请求方返回业务授权码。
具体地，在接收到所述数据共享申请后，可以根据智能合约模板生成数据共享协议，将所述数据共享协议上传保存至区块链中，并向所述数据请求方返回对应的业务授权码。所述业务授权码为当前实时生成的二维码，后续通过所述业务授权码，即可关联出对应的所述数据共享协议。所述数据共享协议的内容可以根据实际应用场景进行自定义设置，主要是确定数据开放主体（例如相关委办局）、数据使用主体（例如银行等金融机构）、数据范围、使用期限等约束性指标内容。
在本实施例中，政务大数据开放平台接收到金融机构提交的所述数据共享申请后，将银行名称以及所请求开放的数据范围、使用期限等指标发送至政务公共服务平台，然后政务公共服务平台通过返回带参数的URL，向政务大数据开放平台反馈上述的指标内容。政务大数据开放平台根据智能合约模板生成数据共享协议，同时将该协议上链存证，并向金融机构返回新的业务授权码。
通过智能合约技术，可以实现金融机构和政府各委办局的数据共享协议签订，减少大量的人力、物力和时间成本。而且所有协议均上链存证，使得协议数据不可篡改，保障数据安全。
步骤S504，接收数据授权方提供的业务授权码和授权信息。
具体地，数据请求方将所述业务授权码提供给数据授权方，则数据授权方通过扫描所述业务授权码即可同意授权。在本实施例中，所述数据授权方为企业法人。企业法人在政务公共服务平台完成企业注册和认证后，通过扫描金融机构出具的所述业务授权码，同意向该金融机构进行授权。政务公共服务平台获得企业授权，将授权信息上传保存至区块链中。所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限等。
由于政务公共服务平台一般为政府部门牵头搭建的平台，是有政府背书担保的，因此，企业在该平台注册成功则说明政府部门认可该企业的身份，企业身份是真实的。本实施例通过政务公共服务平台背书，证明授权企业身份的真实性，有利于降低金融机构办理业务的风险，使企业信用背书提升。同时，政务公共服务平台作为第三方有公信力的平台将企业授权信息上链，能够对所述数据请求方和数据授权方（企业和银行）起到公平、公正的作用。
步骤S506，根据所述授权信息和所述数据共享协议进行合约校验。
具体地，在收到所述数据请求方请求进行数据共享并得到所述数据授权方同意授权后，需要根据所述授权信息和所述数据共享协议进行合约校验，校验通过才能向所述数据请求方提供所请求的数据，否则授权失败，无法进行数据共享。所述合约校验主要是判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
在本实施例中，政务公共服务平台向政务数据开放网关发起数据查询请求，以请求查询该企业已授权的可公开数据，这些数据是通过开放网关来与数据湖进行交互的。开放网关通过所述数据共享协议和所述授权信息之间的合约校验判断是否提供相关数据。具体而言，需要校验金融机构之前签署的协议内容和企业的授权信息之间的内容是否一致，包括数据使用主体、数据范围等，若超过协议内容则不符合授权审批要求，授权信息的各项指标必须在协议范围内。
值得注意的是，由于所述数据共享协议和所述授权信息均已上链保存，因此可以通过在区块链上交易所述数据共享协议和所述授权信息的一致性完成所述合约校验。
本实施例可以确保企业授权内容和金融机构的所述数据共享协议上的内容保持一致，保证数据不多授权一个字段，以保障数据的安全。
步骤S508，当校验通过后，从区块链中读取相关数据发送给数据请求方。
具体地，若校验通过，则从区块链的数据湖中读取所请求的数据，返回给数据请求方。例如，读取该企业相关数据后返回给金融机构。
步骤S510，记录授权查询行为日志并上传至区块链中。
具体地，所述授权查询行为日志包括数据开放主体、数据使用主体、查询时间、数据范围等，上传保存至区块链中。在本实施例中，开放网关将所述授权查询行为日志上链存证并打上时间戳，以便后续数据追溯。
可选地，金融机构在为该企业提供普惠金融业务期间，也会产生一些与该企业相关的数据，则金融机构可以将这些数据反哺给政府部门，从而扩充该企业相关的画像数据，使得企业数据越来越多，越来越精准。
本实施例提供的数据共享方法，可以自动生成与数据请求方之间的数据共享协议，并通过提供业务授权码获得数据授权方的授权，以及关联授权信息和所述数据共享协议，当对所述授权信息和数据共享协议校验通过后，即可将授权的数据返回给数据请求方，实现数据的精确授权和共享。其中，所述数据共享协议、授权信息和对数据的授权查询行为日志都上传保存至区块链中，保障了数据隐私安全。
具体到普惠金融场景中，只需要企业法人通过一次扫码，即可完成普惠金融业务，无需提交过多的纸质材料，了解业务要求，方便企业（尤其是中小微企业）办理业务。金融机构可通过与各委办局签订的协议获取授权企业的相关数据，完成普惠金融业务受理，同时通过政务公共服务平台背书，确保申请企业的身份真实，企业数据真实，降低金融机构的风险，更好的为企业提供金融服务。而对于政府来说，有条件的开放公共数据，有助力帮助企业发展，提升社会经济发展，同时借助区块链技术能够保证数据隐私安全，数据不多开放一个字段，实现数据的精确授权，充分保证数据隐私安全。同时，所有协议、授权信息和授权查询行为日志上链可以追溯数据的使用情况，并保证任何一次授权行为不被篡改。
本申请还提供了另一种实施方式，即提供一种计算机可读存储介质，所述计算机可读存储介质存储有数据共享程序，所述数据共享程序可被至少一个处理器执行，以使所述至少一个处理器执行如上述的数据共享方法的步骤。
上述本申请实施例序号仅仅为了描述，不代表实施例的优劣。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例所述的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种数据共享方法，其中，所述方法包括步骤：
    接收数据请求方的数据共享申请；
    根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
    接收数据授权方提供的所述业务授权码和授权信息；
    根据所述授权信息和所述数据共享协议进行合约校验；及
    当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
  2. 如权利要求1所述的数据共享方法，其中，该方法还包括步骤：
    记录授权查询行为日志并上传至所述区块链中，所述授权查询行为日志包括数据开放主体、数据使用主体、查询时间、数据范围。
  3. 如权利要求1或2所述的数据共享方法，其中，所述业务授权码为当前实时生成的二维码，在所述数据请求方收到后提供给所述数据授权方，用于由所述数据授权方通过扫码同意授权以及关联对应的所述数据共享协议。
  4. 如权利要求1或2所述的数据共享方法，其中，所述数据共享协议用于确定约束性指标内容，包括数据开放主体、数据使用主体、数据范围、使用期限；所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限。
  5. 如权利要求4所述的数据共享方法，其中，该方法在所述根据所述数据共享申请和智能合约生成数据共享协议后还包括：
    将所述数据共享申请上传保存至所述区块链中；
    在所述接收数据授权方提供的所述业务授权码和授权信息后还包括：
    将所述授权信息上传保存至所述区块链中。
  6. 如权利要求5所述的数据共享方法，其中，所述合约校验包括判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
  7. 如权利要求6所述的数据共享方法，其中，所述合约校验为在所述区块链上交易所述数据共享协议和所述授权信息的一致性。
  8. 一种数据共享***，其中，所述***包括：
    接收模块，用于接收数据请求方的数据共享申请；
    生成模块，用于根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
    所述接收模块，还用于接收数据授权方提供的所述业务授权码和授权信息；
    校验模块，用于根据所述授权信息和所述数据共享协议进行合约校验；及
    发送模块，用于当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
  9. 一种服务器，其中，所述服务器包括存储器、处理器，所述存储器上存储有可在所述处理器上运行的数据共享***，所述数据共享***被所述处理器执行时实现如下所述的数据共享方法的步骤：
    接收数据请求方的数据共享申请；
    根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
    接收数据授权方提供的所述业务授权码和授权信息；
    根据所述授权信息和所述数据共享协议进行合约校验；及
    当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
  10. 如权利要求9所述的电子设备，其中，该方法还包括步骤：
    记录授权查询行为日志并上传至所述区块链中，所述授权查询行为日志包括数据开放主体、数据使用主体、查询时间、数据范围。
  11. 如权利要求9或10所述的电子设备，其中，所述业务授权码为当前实时生成的二维码，在所述数据请求方收到后提供给所述数据授权方，用于由所述数据授权方通过扫码同意授权以及关联对应的所述数据共享协议。
  12. 如权利要求9或10所述的电子设备，其中，所述数据共享协议用于确定约束性指标内容，包括数据开放主体、数据使用主体、数据范围、使用期限；所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限。
  13. 如权利要求12所述的电子设备，其中，该方法在所述根据所述数据共享申请和智能合约生成数据共享协议后还包括：
    将所述数据共享申请上传保存至所述区块链中；
    在所述接收数据授权方提供的所述业务授权码和授权信息后还包括：
    将所述授权信息上传保存至所述区块链中。
  14. 如权利要求13所述的电子设备，其中，所述合约校验包括判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
  15. 一种计算机可读存储介质，其中，所述计算机可读存储介质存储有数据共享***，所述数据共享***可被至少一个处理器执行，以使所述至少一个处理器执行如下所述的数据共享方法的步骤：
    接收数据请求方的数据共享申请；
    根据所述数据共享申请和智能合约生成数据共享协议，并向所述数据请求方返回业务授权码；
    接收数据授权方提供的所述业务授权码和授权信息；
    根据所述授权信息和所述数据共享协议进行合约校验；及
    当校验通过后，从区块链中读取所述数据授权方相关的数据发送给所述数据请求方。
  16. 如权利要求15所述的计算机可读存储介质，其中，该方法还包括步骤：
    记录授权查询行为日志并上传至所述区块链中，所述授权查询行为日志包括数据开放主体、数据使用主体、查询时间、数据范围。
  17. 如权利要求15或16所述的计算机可读存储介质，其中，所述业务授权码为当前实时生成的二维码，在所述数据请求方收到后提供给所述数据授权方，用于由所述数据授权方通过扫码同意授权以及关联对应的所述数据共享协议。
  18. 如权利要求15或16所述的计算机可读存储介质，其中，所述数据共享协议用于确定约束性指标内容，包括数据开放主体、数据使用主体、数据范围、使用期限；所述授权信息包括数据开放主体、数据使用主体、数据范围、使用期限。
  19. 如权利要求18所述的计算机可读存储介质，其中，该方法在所述根据所述数据共享申请和智能合约生成数据共享协议后还包括：
    将所述数据共享申请上传保存至所述区块链中；
    在所述接收数据授权方提供的所述业务授权码和授权信息后还包括：
    将所述授权信息上传保存至所述区块链中。
  20. 如权利要求19所述的计算机可读存储介质，其中，所述合约校验包括判断所述授权信息与所述数据共享协议中的各项指标是否相符，若全部相符则校验通过。
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