Research and Implementation of Credit Investigation Sharing Platform Based on Double Blockchain

As the development of the modern economy is increasingly inseparable from credit support, the traditional credit investigation mode has yet to meet this demand. Because of the difficulties in conventional credit data sharing among credit investigation agencies, poor data portability, and centralized supervision, this paper proposes a data-sharing scheme for credit investigation agencies based on a double blockchain. Given the problems such as difficult data sharing, difficult recovery of damaged data, and accessible data leakage between institutions and users with non-traditional credit investigation data other than credit, this paper proposes a data-sharing scheme for credit investigation subjects based on the digital envelope. Based on the above two solutions, this paper designs a double blockchain credit data-sharing platform based on the “public chain + alliance chain” from credit investigation agencies’ and visiting subjects’ perspectives. The sharing platform uses the alliance chain as the management chain to solve the problem of complex data sharing between credit bureaus and centralized supervision, uses the public chain as the use chain to solve the problem of complex data sharing between the access subject and the credit bureaus, uses the interplanetary file system and digital envelope and other technologies to solve the problem of difficult recovery of damaged data, data leakage, and other issues. After the upload test, the average upload speed reaches 80.6 M/s. The average download speed of the system is 88.7 M/s after the download test. The multi-thread stress test tests the linkage port on the system package, and the average response time for the hypertext transfer protocol (HTTP) is 0.6 ms. The system performance and security analysis show that the sharing platform can provide safe and reliable credit-sharing services for organizations and users and high working efficiency.