Hu Xiaoya, Zhao Hong, Zheng Shihui, Wang Licheng
State Key Laboratory of Networking and Switching Technology, Beijing University of Posts and Telecommunications, Beijing 100876, China.
Technical Department, Golden Siv Technology Limited, Level 7, K11 ATELIER Victoria Dockside, 18 Salisbury Rd, Tsim Sha Tsui, Hong Kong 999077, China.
Entropy (Basel). 2020 Jun 3;22(6):619. doi: 10.3390/e22060619.
With the development of credit businesses, privacy data leakage and data accuracy in loan transactions among different banks tend to be worrisome issues hindering the prosperity of the industry. To address the problem, we propose a blockchain-based cross-bank over-loan prevention (CBOL-ring) mechanism, which ensures that, on the one hand, the plaintext of loan transactions cannot be access to neither participants on the nodes except the bank that handles loan/repayment requests, so as to prevent the borrower from loaning without revealing their privacy data; on the other hand, the other participants are able to prove the effectiveness of the plaintexts through checking the ciphertexts on the blockchain. In addition, we propose a blockchain-based cross-bank over-loan prevention mechanism with low communication volume (CBOL-bullet), which reduces the size of the range proof generated by the BBCBOLP mechanism, thereby reducing the size of the communication volume and saving resources during the data transmission process. Finally, we analyze the security and performance of the two mechanisms, and compare the communication volume of the two mechanisms.
随着信贷业务的发展，不同银行间贷款交易中的隐私数据泄露和数据准确性问题，往往成为阻碍该行业繁荣的令人担忧的问题。为解决这一问题，我们提出一种基于区块链的跨银行过度贷款预防（CBOL-ring）机制，该机制一方面确保除处理贷款/还款请求的银行外，节点上的参与者无法访问贷款交易的明文，从而防止借款人在不泄露其隐私数据的情况下贷款；另一方面，其他参与者能够通过检查区块链上的密文来证明明文的有效性。此外，我们还提出一种基于区块链的低通信量跨银行过度贷款预防机制（CBOL-bullet），该机制减小了BBCBOLP机制生成的范围证明的大小，从而减小了通信量的大小，并在数据传输过程中节省了资源。最后，我们分析了这两种机制的安全性和性能，并比较了它们的通信量。
