A Complete Privacy-Preserving Credit Score System Using Blockchain and Zero Knowledge Proof

Han, Yuye; Hong, Chen; Qiu, Zhijie; Luo, Lei; Qian, Gongbin

doi:10.1109/bigdata52589.2021.9671494

Cited by 6 publications

(4 citation statements)

References 15 publications

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“…The BPP [22] combined blockchain and public key encryption techniques to achieve secure data sharing, data retrieval, and data access while ensuring the interests of users and the correctness of query results. Han et al [23] introduced a privacy protection scheme for personal credit score calculation based on zero-knowledge proof, which considered the authenticity verification of multi-dimensional user data and proposed a universal verification platform based on blockchain. Wu et al [24] proposed an efficient and privacy-preserving traceable attribute-based encryption scheme, which used blockchain technology to ensure the integrity and non-repudiation of data.…”

Section: Related Workmentioning

confidence: 99%

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ARS-Chain: A Blockchain-Based Anonymous Reputation-Sharing Framework for E-Commerce Platforms

Chen,

Feng,

Zhao

et al. 2024

Mathematics

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E-commerce platforms incorporate reputation systems that allow buyers to rate sellers after transactions. However, existing reputation systems face challenges such as privacy leakage, linkability, and multiple rating attacks. The feedback data can inadvertently expose user information privacy because they reveal the buyers’ identities and preferences, which deters a significant number of users from providing their ratings. Moreover, malicious actors can exploit data analysis and machine learning techniques to mine user privacy from the rating data, posing serious threats to user security and trust. This study introduces ARS-Chain, a pioneering and secure blockchain-driven anonymous reputation-sharing framework tailored for e-commerce platforms. The core of ARS-Chain is a dynamic ring addition mechanism with linkable ring signatures (LRS), where the number of LRS rings is dynamically added in alignment with the evolving purchase list, and LRS link tags are constructed with the LRS rings and item identifiers. Further, a consortium blockchain is introduced to store these anonymous ratings on e-commerce platforms. As a result, ARS-Chain ensures full anonymity while achieving cross-platform reputation sharing, making rating records unlinkable, and effectively countering multiple rating attacks. The experimental results confirm that ARS-Chain significantly enhances user information privacy protection while maintaining system performance, having an important impact on the construction of trust mechanisms for e-commerce platforms.

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Section: Related Workmentioning

confidence: 99%

“…Decentralization [11,15,[18][19][20][21][22][23][24][25] Anonymity [11][12][13][14][15]17,20,21,23,24] Unlinkability of Ratings [11,14] Prevention of Multiple Rating Attacks [11,14] Multi-platform Support [11,[16][17][18][19]22]…”

Section: Property Existing Workmentioning

confidence: 99%

ARS-Chain: A Blockchain-Based Anonymous Reputation-Sharing Framework for E-Commerce Platforms

Chen,

Feng,

Zhao

et al. 2024

Mathematics

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“…The following paper [33] offers a solution to user privacy using Zero Knowledge proofs and credit score calculation (CSC) on the blockchain. This research aims at performing a CSC solely by using the information provided by financial institutions while the user's identity is preserved.…”

Section: B Existing Commercial Platformsmentioning

confidence: 99%

Allowing Blockchain Loans with Low Collateral

Azoulay,

Carl,

Rottenstreich

2023

2023 IEEE International Conference on Blockchain and Cryptocurrency (ICBC)

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Collateral is an item of value serving as security for the repayment of a loan. In blockchain-based loans, cryptocurrencies serve as the collateral. The high volatility of cryptocurrencies implies a serious barrier of entry with a common practice that collateral values equal multiple times the value of the loan. As assets serving as collateral are locked, this requirement prevents many candidates from obtaining loans. In this paper, we aim to make loans more accessible by offering loans with lower collateral, while keeping the risk for lenders bound. We propose a credit score based on data recovered from the blockchain to predict how likely a potential borrower is to repay a loan. Our protocol does not risk the initial amount granted by liquidity providers, but only risks part of the interest yield gained from the borrower by the protocol in the past.

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“…In Health-zkIDM system, security should be ensured at both the bottom layer and the application layer [ 11 , 47 , 48 , 49 , 50 ]. At the bottom layer, all transactions can be executed correctly; at the application layer, the user’s private information cannot be disclosed.…”

Section: Evaluation and Analysismentioning

confidence: 99%

Health-zkIDM: A Healthcare Identity System Based on Fabric Blockchain and Zero-Knowledge Proof

Bai

et al. 2022

Sensors

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The issue of identity authentication for online medical services has been one of the key focuses of the healthcare industry in recent years. Most healthcare organizations use centralized identity management systems (IDMs), which not only limit the interoperability of patient identities between institutions of healthcare, but also create isolation between data islands. The more important matter is that centralized IDMs may lead to privacy disclosure. Therefore, we propose Health-zkIDM, a decentralized identity authentication system based on zero-knowledge proof and blockchain technology, which allows patients to identify and verify their identities transparently and safely in different health fields and promotes the interaction between IDM providers and patients. The users in Health-zkIDM are uniquely identified by one ID registered. The zero-knowledge proof technology is deployed on the client, which provides the user with a proof of identity information and automatically verifies the user’s identity after registration. We implemented chaincodes on the Fabric, including the upload of proof of identity information, identification, and verification functions. The experiences show that the performance of the Health-zkIDM system can achieve throughputs higher than 400 TPS in Caliper.

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A Complete Privacy-Preserving Credit Score System Using Blockchain and Zero Knowledge Proof

Cited by 6 publications

References 15 publications

ARS-Chain: A Blockchain-Based Anonymous Reputation-Sharing Framework for E-Commerce Platforms

ARS-Chain: A Blockchain-Based Anonymous Reputation-Sharing Framework for E-Commerce Platforms

Allowing Blockchain Loans with Low Collateral

Health-zkIDM: A Healthcare Identity System Based on Fabric Blockchain and Zero-Knowledge Proof

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