Banking Blacklist Customer Information Supervision Platform Based On Blockchain

Blockchain technology is one of the emerging technologies in recent years,which has the characteristics of decentralization,unchangeable information and traceable information.With the continuous passage of time,it has become the key research direction of independent innovation in various countries.Blockchain technology perfectly meets the needs of the financial sector,and has great development prospects in the financial sector,which can be used in information management,payment and clearing,financial trade and many other fields.At present,China's commercial banks have begun to study the innovative application of blockchain in business areas.Blacklist customer management,as one of the core areas of banking risk management and control,has been highly concerned by the banking industry and regulators.At present,domestic and foreign commercial banks generally use the self-built blacklist customer information management system to supervise blacklist customers.The business network relies entirely on one or more central systems.Once the system fails abnormally,it will be paralyzed and cause irreparable economic losses.According to the actual situation,this paper innovatively combines the blockchain technology with the banking blacklist customer information supervision process,and designs and implements the banking blacklist customer information supervision platform by using the alliance chain technology.The platform has many functions such as private information isolation,information real-time sharing,identity authentication mechanism and so on.It has great development potential and application prospects.The main tasks of this paper are:First,the bank blacklist customer information supervision platform is built by using the alliance chain technology,and the operation environment of each node in the alliance chain is provided through Hyperledger Fabric,and the state is saved by relying on the distributed database Couch DB,which can realize the real-time supervision of blacklist customers,and effectively solve the problems of high communication cost and "data island" between banks.Second,a multi-channel application framework is designed,and the blockchain is divided into public chain and private chain from the storage content level,which effectively solves the problem of private data security between banks in the alliance chain.The bank alliance chain can realize the functions of sharing personal information of blacklisted customers and updating personal information of blacklisted customers in real time,while the bank private chain can realize related operations of private information of blacklisted customers.Thirdly,a digital certificate system based on Public Key Infrastructure has been established,which effectively solves the problem of identity authentication of alliance chain members,enhances operability,provides audit space for regulators,and further enhances security.Fourthly,the caliper pressure measuring tool is used to test the reading and query functions of the platform around TPS,transaction success rate,delay,resource consumption and other indicators.The test results show that the overall operation stability of the platform is good,and the functions and resource consumption of the platform can fully meet the business requirements in the field of bank blacklist customer supervision.The platform realizes multi-channel data management,real-time information sharing,identity authentication,operation monitoring and other functions,and solves many problems such as privacy data security,communication cost and identity authentication security in the field of bank blacklist customer information supervision.The platform runs safely and stably as a whole,can supervise the information of blacklisted customers of banks well,and meets the practical application requirements.It is comprehensive,time-sensitive,safe,applicable and flexible,and has important reference value in the field of bank information construction.