面向征信服务需求的跨区域公共资源交易区块链架构  

Cross-regional Public Resource Transaction Blockchain Architecture Tailored for Credit Reporting Service Demands

作　　者：陈良贵 李浩东 谢梦莹 邹高 沙大峣 吕智慧[2] CHEN Lianggui;LI Haodong;XIE Mengying;ZOU Gao;SHA Dayao;LYU Zhihui(Shanghai United Credit Services,Shanghai 200000,China;Department of Computer Science,Fudan University,Shanghai 200433,China)

机构地区：[1]上海市联合征信有限公司,上海200000 [2]复旦大学计算机科学技术学院,上海200433

出　　处：《软件导刊》2024年第10期139-145,共7页Software Guide

基　　金：上海市促进产业高质量发展专项资金项目(产业创新融合发展)(213202)。

摘　　要：目前,企业征信信息分散于政府和业务部门,信息孤岛现象严重,数据开放程度和丰富度严重不足,且数据使用授权的存证和抽查困难,依赖于一个互联互通、具备公信力的支撑平台,这会存在单点故障和信息泄露问题。为此,将区块链技术应用于企业征信数据管理服务,提出一个面向征信服务需求的跨区域公共资源交易链,该链能够支撑跨区域公共资源交易,满足节点去中心化,共识多样化和加密通信需求。基于底层公共资源交易链,构建了可信的智能合约管理,包括合约代码审计、自动化生命周期管理和可控判决,实现公共资源交易数据的灵活管理。基于智能合约设计了一套符合征信管理服务要求的数据管理机制,实现了企业征信数据的全生命周期管理。通过实验证明,该系统符合实际征信场景的业务需求。In contemporary corporate credit reporting,information is scattered across governmental and business sectors,resulting in a information silo phenomenon.The extent and richness of data openness are markedly insufficient.Moreover,difficulties arise in evidence preservation for data usage authorization and in random inspections.Relying on a universally interconnected platform with credibility leads to concerns of single-point failures and information leaks.In response,we have integrated blockchain technology into corporate credit data management services.We propose a cross-regional public resource transaction chain tailored for credit reporting service demands.This chain can accommodate the necessities of cross-regional public resource transactions and ensures node decentralization,diversified consensus,and encrypted communication.Based on the underlying public resource transaction chain,we have established a trustworthy smart contract management system,encompassing contract code auditing,automated lifecycle management,and controllable adjudication,thereby achieving flexible management of public resource transaction data.Ultimately,we designed a data management mechanism in line with credit management service standards using smart contracts,accomplishing full lifecycle management of corporate credit data.Through empirical testing,we have verified the system’s performance,confirming its suitability for real-world credit reporting scenarios.

关 键 词：区块链 公共资源交易 数据管理 征信服务 

分 类 号：TP393[自动化与计算机技术—计算机应用技术]