关键词: 双区块链, 征信数据, 征信报告, 隐私保护

Abstract: Credit data involves a high degree of personal privacy, and it is easy to leak or collect untrue data in the process of collection and query. The disclosure of credit data will bring serious impact such as reputation damage and property threat to the compromised person. In order to reduce the problems of user privacy leakage, information asymmetry, easy tampering, easy forgery and over-centralization when collecting credit data, the paper proposes a fusion of double block chain reference data storage and query plan, the program of two chain, a chain is used to store the real-time reference data collection of many, the other chain is used to store personal credit report, fusion scheme can not only ensure credit bureaus of double block chain real-time collection of reference data records, and can automatically generate a personal credit report quickly, avoid the individual credit data in the process of credit reporting queries privacy tampering and forgery. Finally, the advantages of the model are demonstrated qualitatively from seven aspects, such as chain structure, privacy protection, data integrity, tamperability, trusted center, timeliness, and data redundancy, which can effectively improve the security and convenience of credit data storage and query.

Key words: dual blockchain, credit data, credit report, privacy protection