Through artificial intelligence + data sharing + cloud computing, the data island among each network is broken and the collection and precipitation of credit data in various industries can be accelerated. The "ai+ big data system" of cloud chain is a platform for cloud chain to develop big data for various industries, including data fusion, insight users, intelligent models and matching capabilities. Meanwhile, based on data fusion, the group users are depicted in three-dimensional portrait, and the online and offline user behavior is analyzed, and users from "multi screen" to "cross screen" are identified. Cloud chain has decision model, recommendation model and green model. In addition, seven service modules are developed, including industry insight, marketing decision, social public opinion analysis, customer group analysis, shop analysis, recommendation engine and data gas station.