Presentation 2020-03-05
Providing Personal Credit Rating System Using Blockchain
Kenta Konomi, Noriaka Kamiyama,
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Abstract(in Japanese) (See Japanese page)
Abstract(in English) In recent years, there has been an increasing movement in China to use personal credit scores in various situations such as lending, leasing, and share cycles. The use of credit scores is increasing overseas and in Japan. At present, one company calculates the individual’s credit score for each individual, so the method of calculating the individual’s credit score depends on the company at present. In addition, there is a privacy problem because a speci?c company or group manages personal information such as credit score calculation. On the other hand, by using the blockchain, which is the core of cryptocurrency, it is possible to transfer currency without passing through third parties. Blockchain is di?cult to falsify data including system administrators, and privacy information can be concealed because users are managed by address. Therefore, applications in various ?elds such as IoT data management are expected. In addition, the currency called ethereum has a mechanism that can execute automatic contracts called smart contracts without requiring a third party, in addition to the transfer of currency. Therefore, in this study, we propose a system that evaluates an individual’s credit score by using ethereum and does not depend on a single company for calculating an individual’s credit score, and proposes a business model using the system. We also show numerical results of the proposed scheme executed on the ethereum implemented in our laboratory.
Keyword(in Japanese) (See Japanese page)
Keyword(in English) credit score / blockchain / ethereum
Paper # NS2019-205
Date of Issue 2020-02-27 (NS)

Conference Information
Committee NS / IN
Conference Date 2020/3/5(2days)
Place (in Japanese) (See Japanese page)
Place (in English) Royal Hotel Okinawa Zanpa-Misaki
Topics (in Japanese) (See Japanese page)
Topics (in English) General
Chair Yoshikatsu Okazaki(NTT) / Takuji Kishida(NTT-AT)
Vice Chair Akihiro Nakao(Univ. of Tokyo) / Kenji Ishida(Hiroshima City Univ.)
Secretary Akihiro Nakao(Osaka Pref Univ.) / Kenji Ishida(NTT)
Assistant Shinya Kawano(NTT)

Paper Information
Registration To Technical Committee on Network Systems / Technical Committee on Information Networks
Language JPN
Title (in Japanese) (See Japanese page)
Sub Title (in Japanese) (See Japanese page)
Title (in English) Providing Personal Credit Rating System Using Blockchain
Sub Title (in English)
Keyword(1) credit score
Keyword(2) blockchain
Keyword(3) ethereum
1st Author's Name Kenta Konomi
1st Author's Affiliation Fukuoka University(Fukuoka Univ.)
2nd Author's Name Noriaka Kamiyama
2nd Author's Affiliation Fukuoka University(Fukuoka Univ.)
Date 2020-03-05
Paper # NS2019-205
Volume (vol) vol.119
Number (no) NS-460
Page pp.pp.165-168(NS),
#Pages 4
Date of Issue 2020-02-27 (NS)