Design And Implementation Of Personal Credit Reporting System Based On Blockchain

With the vigorous development of the personal credit information industry,the data in the current industry is not authentic enough,the platform independence is poor,and the information islands between the credit bureaus are becoming more and more prominent.Blockchain technology provides a system architecture method for building distributed trust.This topic aims to provide solutions to the pain points in the current personal credit industry by using blockchain technology.This topic designed an architecture scheme based on blockchain technology for the personal credit information system.The architecture mainly includes three parts: the identity management system,the personal credit report query application and the personal credit main system.The identity management system provides the identity management service for the administrator user,and the personal credit report query application provides the personal query for the general query user.The personal credit information main system provides a distributed personal credit service service based on the blockchain for the credit information node user.Based on the design method of general software system,this paper first sorts out the current status and pain points of the personal credit information industry,and then analyzes the needs of the personal credit information system,and finally completes the design and implementation of the modules which include credit blockchain structure,identity management,data collection,and credit scoring,score integration,and report generation.This topic innovatively proposes a layered abstract model analysis method based on distributed trust blockchain,a general credit smart contract model implementation scheme and a two-tier blockchain credit network design.In addition,the personal credit information system blockchain architecture scheme is designed.While providing basic personal credit data collection,data analysis and credit report generation functions,it also guarantees credit information based on the five-layer credit information blockchain architecture,the authenticity of the whole process of data based on the distributed credit information network to enhance the independence of the credit information platform and the information island solution between the credit information platforms through the two-layer blockchain credit information network based on channel technology.Based on the above architecture scheme,this project implements a blockchain-based personal credit information prototype system.Through test and verification,the system implements a complete five-layer blockchain architecture,providing data integrity assurance for the whole process of the credit information node,distributed collection of credit data,privacy data protection within the channel and credit data sharing between channels This topic provides a solution based on blockchain technology to cope with the pain points in the current personal credit information industry.It is also an attempt to land blockchain technology in the field of personal credit information.A deeper integration between blockchain technology and personal credit application requires constant exploration and reflection.