去中心化的征信系统模型研究

Research on Decentralized Model for Credit Information System

为减少现代征信系统在数据存储上因单点故障和被恶意篡改而导致的安全性问题,针对数据的存储过于中心化、易伪造等隐患,提出了一种基于区块链存储结构和具有去中心化特征的征信系统模型。通过将存储数据的地址信息加密在区块链体内,采用广播方式在全网存储节点,并在校验数据时获取全网绝大部分的一致性区块链来保证信息的可靠性。实验结果表明,将用户的隐私数据保存在存储节点中,通过全网校验节点协作验证后将存储节点的地址信息写入加密的区块体内,保证了数据的隐秘性;在数据校验时,从全网获取最新副本更新至本地,保证了数据不被第三方恶意篡改;将用户的敏感数据使用区块链架构存储,能够大大提高数据的安全性,同时保证了存储效率。

In order to reduce the security caused by single point failure and malicious tampering in data storage of modern credit system,we design a credit system model based on the blockchain storage structure and decentralized characteristics for the hidden dangers such as over-centralization and forgery of data storage.By encrypting the address information of the stored data in the blockchain body,using the broadcast to store the nodes in the entire network,and obtaining the most consistent blockchain of the entire network when verifying the data,the reliability of the information is ensured.The experiment shows that the user’s private data is stored in the storage node,and the address information of the storage node is written into the encrypted block body after the cooperation verification of the whole network check node,ensuring the privacy of the data.During data validation,the latest copy from the entire network is updated locally,ensuring that the data is not maliciously manipulated by third parties.Storing sensitive data of the user by the blockchain architecture can greatly improve data security and ensure storage efficiency.