CN108846742A - Block chain user credit stage division and system, equipment and storage medium - Google Patents
Block chain user credit stage division and system, equipment and storage medium Download PDFInfo
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- CN108846742A CN108846742A CN201810536736.9A CN201810536736A CN108846742A CN 108846742 A CN108846742 A CN 108846742A CN 201810536736 A CN201810536736 A CN 201810536736A CN 108846742 A CN108846742 A CN 108846742A
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- public key
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present invention provides a kind of block chain user credit stage division and system, equipment and storage medium, this method include：Obtain at least one following information of user：Average amount, historical transactional information, the credit underwriting golden number volume paid with cash in hand for first appearing time, each historical period of public key address；The credit grade of the user is generated or updated according to acquired every terms of information and the credit rating rule of pre-configuration.The present invention can be combined with the tied mechanism of guaranty fund, to realize the unified credit appraisal mechanism provided for block chain solution suitable for all users by several history reliable informations of the acquisition user from block chain.
Description
Technical field
This application involves block chain technical fields, and in particular to a kind of block chain user credit stage division and system are set
Standby and storage medium.
Background technique
Current each common credit mechanism solution in field, is typically based on and carries out real-name authentication to user, is based on user
Personal credit information carry out credit accreditation, such as utilize the information such as reference information.However in many block chain solutions,
On the one hand, it is difficult to which unified real-name authentication is carried out to the user of different nationalities；On the other hand, the user of different nationalities is also lacked
Weary unified credit appraisal mechanism, to be difficult to realize effective unified credit mechanism.
Summary of the invention
In view of drawbacks described above in the prior art or deficiency, one kind is intended to provide as block chain solution, effective letter is provided
With the block chain user credit stage division and system, equipment and storage medium of mechanism.
In a first aspect, the present invention provides a kind of block chain user credit stage division, including：
Obtain at least one following information of user：Public key address first appear the time, being averaged for each historical period is held
Coin amount, historical transactional information, the credit underwriting golden number volume paid；
The credit grade of the user is generated or updated according to acquired every terms of information and the credit rating rule of pre-configuration.
Second aspect, the present invention provide a kind of block chain user credit hierarchy system, including information acquisition unit and credit
Stage unit.
Information acquisition unit is configured to obtain at least one following information of user：When first appearing of public key address
Between, average amount, historical transactional information, the credit underwriting golden number volume paid with cash in hand of each historical period；
Credit stage unit be configured to be generated according to acquired every terms of information and the credit rating rule of pre-configuration or
Update the credit grade of the user.
The third aspect, the present invention also provides a kind of equipment, including one or more processors and memory, wherein memory
Comprising can by instruction that the one or more processors execute so that the one or more processors execute it is each according to the present invention
The block chain user credit stage division that embodiment provides.
Fourth aspect, the present invention also provides a kind of storage medium for being stored with computer program, which makes to count
Calculation machine executes the block chain user credit stage division that each embodiment provides according to the present invention.
The block chain user credit stage division and system, equipment and storage medium that many embodiments of the present invention provide pass through
From block chain acquire user several history reliable informations, can be combined with the tied mechanism of guaranty fund, thus realize for
Block chain solution provides the unified credit appraisal mechanism for being suitable for all users；
The block chain user credit stage division and system, equipment and storage medium that some embodiments of the invention provide are into one
Step pays the credit grade promotion channel of credit underwriting gold by providing for user, provides convenience for user, improves user
Experience；
The block chain user credit stage division and system, equipment and storage medium that some embodiments of the invention provide are into one
Step by for user provide credit underwriting it is golden retract mechanism, further improve user experience；
The block chain user credit stage division and system, equipment and storage medium that some embodiments of the invention provide are into one
Step further enhances the safety of block catenary system by the trading privilege according to credit grade judgement user；
The block chain user credit stage division and system, equipment and storage medium that some embodiments of the invention provide are into one
Step can reduce the transaction rate of jam situation by configuring high credit grade, and user is encouraged to promote the credit grade of itself, thus
The credit mechanism of block catenary system is advanced optimized.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other
Feature, objects and advantages will become more apparent upon：
Fig. 1 is a kind of flow chart for block chain user credit stage division that one embodiment of the invention provides.
Fig. 2 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.
Fig. 5 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.
Fig. 6 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.
Fig. 7 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.
Fig. 8 is a kind of structural schematic diagram of block chain user credit hierarchy system provided by the invention.
Fig. 9 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.
Figure 10 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 9.
Figure 11 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.
Figure 12 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.
Figure 13 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Fig. 1 is a kind of flow chart for block chain user credit stage division that one embodiment of the invention provides.
As shown in Figure 1, in the present embodiment, the present invention provides a kind of block chain user credit stage division, including：
S10：Obtain at least one following information of user：Public key address first appear the time, each historical period it is flat
Amount, historical transactional information, the credit underwriting golden number volume paid with cash in hand；
S30：The credit of the user is generated or updated according to acquired every terms of information and the credit rating rule of pre-configuration
Grade.
Specifically, by taking certain block catenary system carries out credit rating to user's first as an example：
In step slo, the history for first appearing time, user's first of the public key address of user's first is read from block chain
Every annual measures with cash in hand, whether the historical trading number of user's first and the transaction amount traded every time and user's first are paid
Credit underwriting gold：If so, then obtaining the credit underwriting golden number volume paid；
In step s 30, credit etc. is carried out according to the credit rating rule of the step S10 every terms of information obtained and pre-configuration
Grade assessment.For example, public key address to first appear the time more early, then score higher；The every annual of history is measured higher, more steady with cash in hand
It is fixed, then it scores higher；The biggish historical trading number of transaction amount is more, then credit scoring is higher；The credit underwriting gold paid
Number is higher, then scores higher；Etc..Finally further according to the corresponding relationship of the scoring of pre-configuration and grade, user's first is generated
Credit grade.
After the credit grade for generating user's first, the credit etc. of user's first can be updated by the timing cycle above method
Grade；When the information that can also be got in step S10 changes, then the evaluation for credit degree of step S30 is re-started, with more
The credit grade of new user's first.
In the present embodiment, time, the average amount with cash in hand of each historical period, history friendship are first appeared by public key address
Easy information, the credit underwriting golden number volume paid assess the credit grade of user can also be according to upper in more embodiments
It states any one or more information to be assessed, or the other information more obtained based on identical inventive concept is combined to be commented
Estimate, for example, the transaction count that is carried out with the trading object with higher credit grade of user, user whether obtain have it is higher
The guarantee, etc. that the node of credit grade is given, can be achieved identical technical effect.
Above-described embodiment combines the constraint of guaranty fund by acquiring several history reliable informations of user from block chain
Mechanism, to realize the unified credit appraisal mechanism provided for block chain solution suitable for all users.
Fig. 2 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.As shown in Fig. 2, in a preferred embodiment
In, the above method further includes：
S41：It receives the credit grade that public key address is sent and promotes request；
S42：Request is promoted according to credit grade and collects the credit underwriting gold paid public key address, and promotes the credit of user
Grade.
Specifically, in the present embodiment, the credit underwriting gold collected is specified digital cash.The credit grade of promotion
Higher, the required credit underwriting gold paid is more, and by paying the credit grade number that credit underwriting gold can be promoted, there may be one
Fixed limitation, such as 1-3 grades can only be promoted.In more embodiments, credit underwriting gold is also configured as in optional range
Digital cash or even other transaction assets convenient for being mortgaged in block catenary system.
Above-described embodiment further pays the credit grade promotion channel of credit underwriting gold by providing for user, is user
It provides convenience, improves user experience.
Fig. 3 is a kind of flow chart of preferred embodiment of method shown in Fig. 2.As shown in figure 3, in a preferred embodiment
In, the above method further comprises：
S51：It receives the credit underwriting gold that public key address is sent and retracts request；
S52：Request is retracted according to credit underwriting gold and retracts requested credit underwriting gold to public key address, and reduces user
Credit grade.
Specifically, when credit underwriting gold is configured to digital cash, then to the public key address Yuan Lu for paying credit underwriting gold
Diameter retracts paid digital cash；It, can be according to practical feelings when credit underwriting gold is configured to the transaction assets of other mortgage
Condition selection original route retracts or is delivered to that user specifies retracts address.
In the present embodiment, credit underwriting gold is configured to apply retracting, can also be according to practical need in more embodiments
It asks and is configured to freeze in a short time by credit underwriting gold, or freeze for a long time, can just be retracted after spending freezing period.
Above-described embodiment further by for user provide credit underwriting gold retract mechanism, further improve user's body
It tests.
Fig. 4 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.As shown in figure 4, in a preferred embodiment
In, the above method further includes：
S61：Monitor the bad operation behavior of public key address and its association address；
S62：When monitoring bad operation behavior, the credit underwriting gold that fine and confiscation user is paid, and reduce the letter of user
Use grade.
Specifically, above-mentioned bad operation behavior includes being attacked block catenary system, arbitrarily being saved into block catenary system
Point sends unfavorable instruction or even other block catenary systems forbid the operation of user's execution, endanger the behaviour of block catenary system safety
Make, attempt to obtain behavior of unjustified enrichment, etc. from block catenary system.
For example, when block catenary system is attacked in the public key address for monitoring user's first, it can be with fine and confiscation user first institute
The whole credit underwriting gold paid, and the credit grade of user's first is minimized；In another example when the public key for detecting user's first
When address associated by address (such as user's first assured the public key address of user's second) has sent unfavorable instruction, it can penalize
While the credit underwriting gold for not having user's second to be paid, the credit underwriting gold of certain number of fine and confiscation user's first, and reduce respectively
The credit grade of user's first and user's second.
Fig. 5 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.As shown in figure 5, in a preferred embodiment
In, the above method further includes：
S71：It receives and digs the authorization requests to the authorization of public key address that the wallet node of mine is sent with cash in hand；
S72：Authorization set meal expense is collected to wallet node or third party according to authorization requests, and exempts public key address and is covering
Tranaction costs in amount of eating.
Specifically, authorization set meal is configured with scheduled amount, can be by the public key when tranaction costs exceed set meal limit
Address voluntarily pays the part exceeded, and the part that can also be exceeded by Third-party payment is combined payment；And cannot individually it make
With the tranaction costs of set meal outward drain of fund；It such as attempts that set meal outward drain of fund expense is used alone, then will lead to the public key address
User is written into blacklist, or cancels set meal, and the credit grade of the user can also be reduced when plot is more serious.
Fig. 6 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.As shown in fig. 6, in a preferred embodiment
In, the above method further includes：
S80：Determine whether user has the permission traded on particular block chain according to credit grade.
Specifically, the different types of block chain of at least two classes can be configured in system, the first kind needs certain credit etc.
Grade can obtain trading privilege, and the second class, which is then not necessarily to credit grade, can obtain trading privilege.For the non-common public key of user
Address or the lesser public key address of remaining sum can in the case where being difficult to obtain the credit grade needed for first kind block chain is traded
To trade on above-mentioned second class block chain.
Above-described embodiment further by determining the trading privilege of user according to credit grade, further enhances block chain
The safety of system.
Fig. 7 is a kind of flow chart of preferred embodiment of method shown in Fig. 1.As shown in fig. 7, in a preferred embodiment
In, the above method further includes：
S90：Transaction rate amount of increase of the user under jam situation is generated using credit grade as parameter.Wherein, credit etc.
Grade is higher, then rate of trading amount of increase is lower.
Above-described embodiment further can reduce the transaction rate of jam situation by configuring high credit grade, and user is encouraged to mention
The credit grade for rising itself, to advanced optimize the credit mechanism of block catenary system.
Fig. 8 is a kind of structural schematic diagram of block chain user credit hierarchy system provided by the invention.System shown in Figure 8 can
Method shown in FIG. 1 is executed with corresponding.
As shown in figure 8, in the present embodiment, the present invention provides a kind of block chain user credit hierarchy system 10, including letter
Cease acquiring unit 101 and credit stage unit 103.
Information acquisition unit 101 is configured to obtain at least one following information of user：Public key address first appears
Time, each historical period average amount, historical transactional information, the credit underwriting golden number volume paid with cash in hand；
Credit stage unit 103 is configured to be generated according to acquired every terms of information and the credit rating rule of pre-configuration
Or update the credit grade of the user.
The credit classification principle of system shown in Figure 8 can refer to method shown in FIG. 1, and details are not described herein again.
Fig. 9 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.System shown in Figure 9 can be corresponded to and be held
Row Fig. 2 or method shown in Fig. 3.
As shown in figure 9, in a preferred embodiment, block chain user credit hierarchy system 10 further includes that guaranty fund management is single
Member 105.
Information acquisition unit 101 is further configured to receive the credit grade promotion request that public key address is sent；
Guaranty fund administrative unit 105 is configured to promote the credit load requested to collect and paid public key address according to credit grade
Insurance money；
Credit stage unit 103 is further configured to be promoted after guaranty fund administrative unit 105 collects credit underwriting gold
The credit grade of user.
It is further preferred that information acquisition unit 101 is further configured to receive the credit underwriting that public key address is sent
Gold retracts request；
Guaranty fund administrative unit 105, which is further configured to be retracted according to credit underwriting gold, requests to retract institute to public key address
The credit underwriting gold of request；
Credit stage unit 103 is further configured to reduce after guaranty fund administrative unit 105 retracts credit underwriting gold
The credit grade of user.
The credit classification principle of system shown in Figure 9 can refer to Fig. 2 or method shown in Fig. 3, and details are not described herein again.
Figure 10 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 9.System shown in Figure 10 can correspond to
Execute method shown in Fig. 4.
As shown in Figure 10, in a preferred embodiment, block chain user credit hierarchy system 10 further includes monitoring unit
106。
Monitoring unit 106 is configured to the bad operation behavior of monitoring public key address and its association address；
Guaranty fund administrative unit 105 is further configured to the fine and confiscation when monitoring unit 106 monitors bad operation behavior
The credit underwriting gold that user is paid；
Credit stage unit 103 is further configured to when monitoring unit 106 monitors bad operation behavior, is reduced and is used
The credit grade at family.
The credit classification principle of system shown in Figure 10 can refer to method shown in Fig. 4, and details are not described herein again.
Figure 11 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.System shown in Figure 11 can correspond to
Execute method shown in fig. 5.
As shown in figure 11, in a preferred embodiment, block chain user credit hierarchy system 10 further includes that set meal configuration is single
Member 107.
Information acquisition unit 101 is further configured to receive awarding to public key address for the wallet node transmission for digging mine with cash in hand
The authorization requests of power；
Set meal configuration unit 107 is configured to collect authorization set dinner cost to wallet node or third party according to authorization requests
With, and exempt tranaction costs of the public key address in set meal amount.
The credit classification principle of system shown in Figure 11 can refer to method shown in fig. 5, and details are not described herein again.
Figure 12 is a kind of structural schematic diagram of preferred embodiment of system shown in Figure 8.System shown in Figure 12 can correspond to
Execute Fig. 6 or method shown in Fig. 7.
As shown in figure 12, in a preferred embodiment, block chain user credit hierarchy system 10 further includes following at least one
?：Permission judging unit 108, rate configuration unit 109.
Permission judging unit 108 is configured to carry out on particular block chain according to whether credit grade judgement user has
The permission of transaction.
Rate configuration unit 109 is configured to generate transaction fee of the user under jam situation for credit grade as parameter
Rate amount of increase.Wherein, credit grade is higher, then rate of trading amount of increase is lower.
The credit classification principle of system shown in Figure 12 can refer to Fig. 6 or method shown in Fig. 7, and details are not described herein again.
Figure 13 is a kind of structural schematic diagram for equipment that one embodiment of the invention provides.
As shown in figure 13, as on the other hand, present invention also provides a kind of equipment 1300, including one or more centers
Processing unit (CPU) 1301, can be according to the program being stored in read-only memory (ROM) 1302 or from storage section
1308 programs being loaded into random access storage device (RAM) 1303 and execute various movements appropriate and processing.In RAM1303
In, it is also stored with equipment 1300 and operates required various programs and data.CPU1301, ROM1302 and RAM1303 pass through total
Line 1304 is connected with each other.Input/output (I/O) interface 1305 is also connected to bus 1304.
I/O interface 1305 is connected to lower component：Importation 1306 including keyboard, mouse etc.；Including such as cathode
The output par, c 1307 of ray tube (CRT), liquid crystal display (LCD) etc. and loudspeaker etc.；Storage section including hard disk etc.
1308；And the communications portion 1309 of the network interface card including LAN card, modem etc..Communications portion 1309 passes through
Communication process is executed by the network of such as internet.Driver 1310 is also connected to I/O interface 1305 as needed.It is detachable to be situated between
Matter 1311, such as disk, CD, magneto-optic disk, semiconductor memory etc. are mounted on as needed on driver 1310, so as to
In being mounted into storage section 1308 as needed from the computer program read thereon.
Particularly, in accordance with an embodiment of the present disclosure, the block chain user credit stage division of any of the above-described embodiment description
It may be implemented as computer software programs.For example, embodiment of the disclosure includes a kind of computer program product comprising have
It include to shape computer program on a machine-readable medium, the computer program includes for executing block chain user credit
The program code of stage division.In such embodiments, which can be by communications portion 1309 from network
It is downloaded and installed, and/or is mounted from detachable media 1311.
As another aspect, present invention also provides a kind of computer readable storage medium, the computer-readable storage mediums
Matter can be computer readable storage medium included in the device of above-described embodiment；It is also possible to individualism, it is unassembled
Enter the computer readable storage medium in equipment.Computer-readable recording medium storage has one or more than one program, should
Program is used to execute the block chain user credit stage division for being described in the application by one or more than one processor.
Flow chart and block diagram in attached drawing are illustrated according to the system of various embodiments of the invention, method and computer journey
The architecture, function and operation in the cards of sequence product.In this regard, each box in flowchart or block diagram can generation
A part of one module, program segment or code of table, a part of the module, program segment or code include one or more use
The executable instruction of the logic function as defined in realizing.It should also be noted that in some implementations as replacements, being marked in box
The function of note can also occur in a different order than that indicated in the drawings.For example, two boxes succeedingly indicated are actually
It can be basically executed in parallel, they can also be executed in the opposite order sometimes, this is depending on related function.Also it wants
It is noted that the combination of each box in block diagram and or flow chart and the box in block diagram and or flow chart, Ke Yitong
The dedicated hardware based system of functions or operations as defined in executing is crossed to realize, or by specialized hardware and can be calculated
The combination of machine instruction is realized.
Being described in the embodiment of the present application involved unit or module can be realized by way of software, can also be with
It is realized by way of hardware.Described unit or module also can be set in the processor, for example, each unit can
To be the software program being arranged in computer or intelligent movable equipment, it is also possible to the hardware device being separately configured.Wherein, this
The title of a little units or module does not constitute the restriction to the unit or module itself under certain conditions.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from the application design, appointed by above-mentioned technical characteristic or its equivalent feature
Other technical solutions of meaning combination and formation.Such as features described above and (but being not limited to) disclosed herein have similar functions
Technical characteristic replaced mutually and the technical solution that is formed.
Claims (16)
1. a kind of block chain user credit stage division, which is characterized in that including：
Obtain at least one following information of user：Public key address first appear the time, each historical period average amount with cash in hand,
Historical transactional information, the credit underwriting golden number volume paid；
The credit grade of the user is generated or updated according to acquired every terms of information and the credit rating rule of pre-configuration.
2. the method according to claim 1, wherein further including：
It receives the credit grade that the public key address is sent and promotes request；
Request is promoted according to the credit grade and collects the credit underwriting gold paid the public key address, and promotes the user's
Credit grade.
3. according to the method described in claim 2, it is characterized in that, further including：
It receives the credit underwriting gold that the public key address is sent and retracts request；
Request is retracted according to the credit underwriting gold and retracts requested credit underwriting gold to the public key address, and described in reduction
The credit grade of user.
4. the method according to claim 1, wherein further including：
Monitor the bad operation behavior of the public key address and its association address；
When monitoring the bad operation behavior, the credit underwriting gold that user described in fine and confiscation is paid, and reduce the user
Credit grade.
5. the method according to claim 1, wherein further including：
It receives and digs the authorization requests to public key address authorization that the wallet node of mine is sent with cash in hand；
Authorization set meal expense is collected to the wallet node or third party according to the authorization requests, and exempts the public key address
Tranaction costs in set meal amount.
6. method according to claim 1-5, which is characterized in that further include：
Determine whether the user has the permission traded on particular block chain according to the credit grade.
7. method according to claim 1-5, which is characterized in that further include：
Transaction rate amount of increase of the user under jam situation is generated using the credit grade as parameter；Wherein, the letter
With higher grade, then the transaction rate amount of increase is lower.
8. a kind of block chain user credit hierarchy system, which is characterized in that including：
Information acquisition unit is configured to obtain at least one following information of user：Public key address first appears time, each
Average amount, historical transactional information, the credit underwriting golden number volume paid with cash in hand of historical period；
Credit stage unit is configured to generate or update according to acquired every terms of information and the credit rating rule of pre-configuration
The credit grade of the user.
9. system according to claim 8, which is characterized in that the information acquisition unit is further configured to receive institute
The credit grade for stating the transmission of public key address promotes request；
The system also includes：
Guaranty fund administrative unit is configured to be promoted according to the credit grade and requests to collect the credit paid the public key address
Guaranty fund；
The credit stage unit is further configured to promote the use after guaranty fund administrative unit collects credit underwriting gold
The credit grade at family.
10. system according to claim 9, which is characterized in that the information acquisition unit is further configured to receive
The credit underwriting gold that the public key address is sent retracts request；
The guaranty fund administrative unit is further configured to retract request according to the credit underwriting gold to the public key address
Retract requested credit underwriting gold；
The credit stage unit is further configured to reduce the use after guaranty fund administrative unit retracts credit underwriting gold
The credit grade at family.
11. system according to claim 9, which is characterized in that further include：
Monitoring unit is configured to monitor the bad operation behavior of the public key address and its association address；
The guaranty fund administrative unit is further configured to penalize when the monitoring unit monitors the bad operation behavior
The credit underwriting gold for not having the user to be paid；
The credit stage unit is further configured to when the monitoring unit monitors the bad operation behavior, is reduced
The credit grade of the user.
12. system according to claim 8, which is characterized in that the information acquisition unit is further configured to receive
The authorization requests to public key address authorization that the wallet node of mine is sent are dug with cash in hand；
The system also includes：
Set meal configuration unit is configured to collect authorization set dinner cost to the wallet node or third party according to the authorization requests
With, and exempt tranaction costs of the public key address in set meal amount.
13. according to the described in any item systems of claim 8-12, which is characterized in that further include：
Whether permission judging unit is configured to be had according to the credit grade judgement user enterprising in particular block chain
The permission of row transaction.
14. according to the described in any item systems of claim 8-12, which is characterized in that further include：
Rate configuration unit is configured to generate transaction of the user under jam situation for the credit grade as parameter
Rate amount of increase；Wherein, the credit grade is higher, then the transaction rate amount of increase is lower.
15. a kind of equipment, which is characterized in that the equipment includes：
One or more processors；
Memory, for storing one or more programs,
When one or more of programs are executed by one or more of processors, so that one or more of processors
Execute such as method of any of claims 1-7.
16. a kind of storage medium for being stored with computer program, which is characterized in that realize when the program is executed by processor as weighed
Benefit requires method described in any one of 1-8.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201810536736.9A CN108846742A (en) | 2018-05-30 | 2018-05-30 | Block chain user credit stage division and system, equipment and storage medium |
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| CN201810536736.9A CN108846742A (en) | 2018-05-30 | 2018-05-30 | Block chain user credit stage division and system, equipment and storage medium |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109816323A (en) * | 2018-12-12 | 2019-05-28 | 上海点融信息科技有限责任公司 | Transaction auditing method, calculating equipment, storage medium for block chain network |
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| CN109816323A (en) * | 2018-12-12 | 2019-05-28 | 上海点融信息科技有限责任公司 | Transaction auditing method, calculating equipment, storage medium for block chain network |
| CN111401889A (en) * | 2019-01-03 | 2020-07-10 | 百度在线网络技术（北京）有限公司 | Credit data processing method, device, equipment and medium based on block chain |
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| CN111681007B (en) * | 2020-05-28 | 2024-04-12 | 中国工商银行股份有限公司 | Credit scoring method, transaction method and related device for blockchain |
| CN112818027A (en) * | 2020-12-31 | 2021-05-18 | 杭州趣链科技有限公司 | User credit inquiry method, device, server and machine-readable storage medium |
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