CN108985569A - A kind of vehicle risk appraisal procedure, server - Google Patents
A kind of vehicle risk appraisal procedure, server Download PDFInfo
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- CN108985569A CN108985569A CN201810627731.7A CN201810627731A CN108985569A CN 108985569 A CN108985569 A CN 108985569A CN 201810627731 A CN201810627731 A CN 201810627731A CN 108985569 A CN108985569 A CN 108985569A
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0639—Performance analysis of employees; Performance analysis of enterprise or organisation operations
- G06Q10/06393—Score-carding, benchmarking or key performance indicator [KPI] analysis
Abstract
The embodiment of the invention discloses a kind of vehicle risk appraisal procedure, server and computer-readable mediums, wherein method includes: the inquiry request received to the Risk Assessment Report of user, then information is assessed according to the vehicle risk that the inquiry request obtains user described in block chain, then the risk score item in the vehicle risk assessment information is extracted, and determines the scoring weight of each scoring item in the risk score item；The finally vehicle risk scoring of the user according to the risk score item and the scoring weight calculation；And the Risk Assessment Report of the user is generated according to the scoring of the vehicle risk of the risk score item of the user and the user.Through the embodiment of the present invention, information can be assessed to carry out risk assessment to user according to the vehicle risk of user, both can guarantee authenticity, the transparency of user's vehicle risk assessment information, moreover it is possible to privacy of user be effectively protected in conjunction with block chain technology.
Description
Technical field
The present invention relates to vehicle financial technology field more particularly to a kind of vehicle risk appraisal procedures, server and calculating
Machine readable medium.
Background technique
With the high speed development of social economy and the rise of internet financial platform, the opening in reference market, based on number
One of mainstream service form will be become according to the online service in library；Personal credit information transparency will continue to improve, reference information ring
Border would be even more beneficial to the development of reference industry.For example, exempt from cash pledge using the credit of oneself or guarantee fund hire a car, low down payment loan purchase vehicle
Equal services are more and more common.
But current internet reference business is there is also many problems, for example, the data sheet one of reference, and in reference
Under data sharing, the protection of individual privacy be there are problems that, safety and the transparency of data are difficult to ensure, different financial institutions
Between there are credit data exchange difficulties etc..
Summary of the invention
The embodiment of the present invention provides a kind of vehicle risk appraisal procedure, can to user carry out vehicle risk assessment when,
Both the authenticity and the transparency of data can guarantee, moreover it is possible to the privacy problem of user be effectively protected.
In a first aspect, the embodiment of the invention provides a kind of vehicle risk appraisal procedures, this method comprises:
Receive the inquiry request to the Risk Assessment Report of user；
The vehicle risk for obtaining user described in block chain according to the inquiry request assesses information；
Extract the risk score item in the vehicle risk assessment information；
Determine the scoring weight of each scoring item in the risk score item；
According to the vehicle risk scoring of user described in the risk score item and the scoring weight calculation；
The user is generated according to the scoring of the vehicle risk of the risk score item of the user and the user
Risk Assessment Report.
Further, the scoring weight of each scoring item includes: in the determination risk score item
Obtain the tightness degree relation mapping table of risk score item and risk assessment；
Determine that each scoring item is commented in the risk score item according to the risk score item and the relation mapping table
Fraction weight；
It is described to be scored according to the risk score item with the vehicle risk of user described in the scoring weight calculation, comprising:
It is commented according to the weight of each scoring item in risk score item described in the scoring item and corresponding scoring weight calculation
Point；
The vehicle risk that the sum of the weight scoring for the item that all scores in the risk score item is determined as the user is commented
Point.
Optionally, before the reception is to the inquiry request of the Risk Assessment Report of user, the method also includes:
It receives the vehicle risk from sender and assesses information；
Verify the vehicle risk assessment information；
If being verified, vehicle risk assessment information is written in the block chain.
Optionally, after the reception is to the inquiry request of the Risk Assessment Report of user, the method also includes:
Authorization requests are generated according to the inquiry request, the authorization requests are for obtaining the vehicle for inquiring the user
The permission of risk assessment information；
The authorization requests are sent to the user；
If receiving the confirmation authorization message from the user, execute described according to inquiry request acquisition block
The operation of the vehicle risk assessment information of user described in chain；
Alternatively, judging whether the requesting party of the inquiry request has search access right according to the inquiry request；
If so, executing the vehicle risk for obtaining user described in block chain according to the inquiry request assesses letter
Breath.
Optionally, it is described according to the inquiry request obtain block chain described in user vehicle risk assessment information it
Afterwards, the method also includes:
Vehicle risk assessment information encryption is generated into checking solicited message, the checking solicited message is for verifying institute
State whether vehicle risk assessment information is true；
The checking solicited message is sent to described other network nodes of block chain；
Receive the verification result from other network nodes of the block chain；
If the verification result of the network node received is more than given threshold, executes the extraction vehicle risk and comment
Estimate the operation of the risk score item in information.
Second aspect, the embodiment of the invention provides a kind of server, which includes:
Receiving unit, for receiving the inquiry request to the Risk Assessment Report of user；
Acquiring unit, the vehicle risk for obtaining user described in block chain according to the inquiry request assess information；
Extraction unit, for extracting the risk score item in the vehicle risk assessment information；
Determination unit, for determining the scoring weight of each scoring item in the risk score item；
Computing unit, the vehicle risk for the user according to the risk score item and the scoring weight calculation are commented
Point；
Generation unit, for being scored according to the risk score item of the user and the vehicle risk of the user
Generate the Risk Assessment Report of the user.
Further, the acquiring unit, the tightness degree relationship for being also used to obtain risk score item and risk assessment are reflected
Firing table；
The determination unit is also used to determine the risk score according to the risk score item and the relation mapping table
The scoring weight of each scoring item in；
The computing unit, for every in the risk score item according to the scoring item and corresponding scoring weight calculation
The weight scoring of a scoring item；
The sum of the weight scoring for the item that all scores in the risk score item is determined as the user by the determination unit
Vehicle risk scoring.
Optionally, the receiving unit is also used to receive the vehicle risk assessment information from sender；
The server further include:
Authentication unit, for verifying the vehicle risk assessment information；
Writing unit will be described in vehicle risk assessment information write-in if being verified for the authentication unit
In block chain.
Optionally, the generation unit is also used to generate authorization requests according to the inquiry request, and the authorization requests are used
In the permission for obtaining the vehicle risk assessment information for inquiring the user；
The server further include:
Transmission unit, for sending the authorization requests to the user；
The acquiring unit, if being asked for receiving the confirmation authorization message from the user according to the inquiry
Seek the vehicle risk assessment information for obtaining user described in block chain；
Alternatively, the server further include:
Judging unit judges whether the requesting party of the inquiry request has search access right according to the inquiry request；
The acquiring unit obtains in block chain if being judged as YES for the judging unit according to the inquiry request
The vehicle risk of the user assesses information.
The optional server further include:
Checking request unit, for vehicle risk assessment information encryption to be generated checking solicited message, the checking request
Whether information is true for verifying the vehicle risk assessment information；
The transmission unit is also used to send the checking solicited message to described other network nodes of block chain；
The receiving unit is also used to receive the verification result from other network nodes of the block chain；
The extraction unit, if the verification result of the network node for receiving be more than given threshold, execute described in
Extract the risk score item in the vehicle risk assessment information.
The third aspect, the embodiment of the invention provides another server, including processor, memory and communication module,
In, the memory is for storing program code, and the processor is for calling said program code to execute above-mentioned first party
Method in any implementation of face or first aspect.
Fourth aspect, the embodiment of the invention provides a kind of computer readable storage medium, the computer storage medium
It is stored with computer program, the computer program includes program instruction, and described program instruction makes institute when being executed by a processor
It states processor and executes method in any implementation of above-mentioned first aspect or first aspect.
Then the embodiment of the present invention is asked by receiving the inquiry request to the Risk Assessment Report of user according to the inquiry
Seek the vehicle risk assessment information for obtaining user described in block chain.Then, the wind in the vehicle risk assessment information is extracted
Danger scoring item and the scoring weight for determining each scoring item in the risk score item；Then, according to the risk score item and
The vehicle risk of user described in the scoring weight calculation scores.Finally, according to the risk score item of the user and institute
The vehicle risk scoring for stating user generates the Risk Assessment Report of the user.Through the embodiment of the present invention, it can protect
In the case where the authenticity and safety and the transparency of vehicle risk assessment information for demonstrate,proving user, user is quickly and effectively obtained
Vehicle risk assessment report.
Detailed description of the invention
Technical solution in order to illustrate the embodiments of the present invention more clearly, below will be to needed in embodiment description
Attached drawing is briefly described.
Fig. 1 is a kind of network architecture schematic diagram of vehicle risk assessment system provided in an embodiment of the present invention；
Fig. 2 is a kind of schematic flow diagram of vehicle risk appraisal procedure provided in an embodiment of the present invention；
Fig. 3 is the schematic flow diagram of another vehicle risk appraisal procedure provided in an embodiment of the present invention；
Fig. 4 is the schematic flow diagram of another vehicle risk appraisal procedure provided in an embodiment of the present invention；
Fig. 5 is a kind of schematic block diagram of server provided in an embodiment of the present invention；
Fig. 6 is a kind of equipment provided in an embodiment of the present invention；
Fig. 7 is a kind of server architecture schematic diagram provided in an embodiment of the present invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention is described.It answers
Work as understanding, when use in this specification and in the appended claims, term " includes " and "comprising" indicate described feature,
Entirety, step, operation, the presence of element and/or component, but one or more of the other feature, entirety, step, behaviour is not precluded
The presence or addition of work, element, component and/or its set.
It is also understood that mesh of the term used in this description of the invention merely for the sake of description specific embodiment
And be not intended to limit the present invention.As description of the invention and it is used in the attached claims, unless on
Other situations are hereafter clearly indicated, otherwise " one " of singular, "one" and "the" are intended to include plural form.
It will be further appreciated that the term "and/or" used in description of the invention and the appended claims is
Refer to any combination and all possible combinations of one or more of associated item listed, and including these combinations.
As used in this specification and in the appended claims, term " if " can be according to context quilt
Be construed to " when ... " or " once " or " in response to determination " or " in response to detecting ".Similarly, phrase " if it is determined that " or
" if detecting [described condition or event] " can be interpreted to mean according to context " once it is determined that " or " in response to true
It is fixed " or " once detecting [described condition or event] " or " in response to detecting [described condition or event] ".
It is a kind of network architecture schematic diagram of vehicle risk assessment system provided in an embodiment of the present invention referring to Fig. 1, Fig. 1,
As shown in Figure 1, the vehicle risk assessment system includes: user terminal 101, regulator 102, block chain node server 103, area
Block chain 104.
Wherein, user terminal, regulator, be in communication with each other connection between block chain node server, thus to realize data
And/or the interaction of signaling.
User terminal may include cell phone, tablet computer, personal digital assistant (Personal Digital
Assistant, PDA), mobile internet device (Mobile Internet Device, MID), intelligent wearable device (as intelligence
Wrist-watch, Intelligent bracelet) etc. various terminal equipments, the embodiment of the present invention be not construed as limiting.
Above-mentioned block chain node server includes multiple node servers, it is to be appreciated that above-mentioned user terminal, supervision
Person can also be used as the network node of block chain.
Wherein, above-mentioned regulator is used to acquire the vehicle risk assessment information of user, and the vehicle risk of acquisition is assessed
Other nodes that information is sent to block chain are verified.Therefore, above-mentioned regulator can be but not limited to car-mounted terminal, traffic
Manage platform, user terminal itself.
Vehicle risk appraisal procedure provided in an embodiment of the present invention may be implemented by above-mentioned vehicle risk assessment system.Such as
Shown in Fig. 1, need to acquire the vehicle risk of user's vehicle before carrying out vehicle risk assessment to user by above-mentioned regulator
Information is assessed, for example, the payment information of the violation information of vehicle, vehicle, vehicle use information etc., then by collected vehicle
Risk assessment information is sent to above-mentioned block chain node server after being packaged according to pre-defined rule encryption and is verified.Wherein, on
The user identifier comprising above-mentioned user in the vehicle risk assessment information after encryption is packaged is stated, above-mentioned user identifier is used in block
The vehicle risk that user is inquired in chain assesses information.Above-mentioned block chain node server receives above-mentioned vehicle risk assessment information
Later, it is verified, just above-mentioned vehicle risk assessment information is written in block chain after being verified, so as to subsequent needs
Above-mentioned vehicle risk assessment information is obtained when carrying out risk assessment to user in block chain.
After above-mentioned block chain node server is by above-mentioned vehicle risk assessment information write-in block chain, so that it may inquire
The Risk Assessment Report of user.Specifically, above-mentioned block chain node server receives the inquiry to the Risk Assessment Report of user
It requests, includes user identifier in above-mentioned inquiry request.Then, above-mentioned block chain node server is according in above-mentioned inquiry request
User identifier obtains the vehicle risk in block chain and assesses information.Finally, above-mentioned block chain node server is according to above-mentioned vehicle
Risk assessment information generates Risk Assessment Report, and above-mentioned Risk Assessment Report is sent to above-mentioned requesting party.It can as one kind
The embodiment of choosing needs first to judge that the inquiry of requesting party is weighed according to above-mentioned inquiry request after receiving above-mentioned inquiry request
Limit, or to the authorization requests of user's transmission authorization query, so that the privacy equity of user is effectively protected.Wherein, above-mentioned to ask
The side of asking can be but not limited to the user terminal of above-mentioned user itself, the user terminal of other users, above-mentioned regulator or gold
Melt mechanism (such as bank, security, insurance, trust, fund etc.).
As can be seen that above-mentioned vehicle risk assessment system is commented by combining block chain technology according to the vehicle risk of user
Estimate information to carry out risk assessment to user, both can guarantee authenticity, the transparency of user's vehicle risk assessment information, moreover it is possible to have
Effect solves the problems, such as that privacy of user is revealed.
Based on network architecture schematic diagram shown in FIG. 1, referring to Fig. 2, Fig. 2 is a kind of vehicle provided in an embodiment of the present invention
The schematic flow diagram of methods of risk assessment, this method as shown in Figure 2 can include:
201: receiving the inquiry request to the Risk Assessment Report of user.
In embodiments of the present invention, above-mentioned inquiry request is the risk assessment for being used to inquire above-mentioned user that transmission is put in request
Report.Wherein, the electronic signature information in above-mentioned inquiry request including requesting party, the identity information of requesting party and above-mentioned user
User identifier, the electronic signature information of above-mentioned requesting party is used for the identity information of checking request side, and above-mentioned user identifier is used for
The vehicle risk assessment information of above-mentioned user is obtained from block chain.
202: information is assessed according to the vehicle risk that above-mentioned inquiry request obtains above-mentioned user in block chain.
In embodiments of the present invention, right first after receiving the inquiry request to the Risk Assessment Report of above-mentioned user
Above-mentioned inquiry request is verified, and after being verified, obtains the vehicle of above-mentioned user from block chain according to above-mentioned inquiry request
Risk assessment information.
Optionally, it after receiving the inquiry request to the Risk Assessment Report of above-mentioned user, extracts above-mentioned inquiry and asks
The identity information of the user identifier, requesting party that include in asking and the electronic signature information of requesting party.Respectively according to above-mentioned request
The identity information of side and the electronic signature information of requesting party generate the first requestor identity informative abstract and the second requestor identity
Informative abstract, if above-mentioned first requestor identity informative abstract and the second requestor identity message digest matches, illustrate above-mentioned
The identity information of requesting party is true.After being verified to the identity information of requesting party, then according to above-mentioned user identifier from upper
State the vehicle risk assessment information that above-mentioned user is obtained in block chain.Wherein, the vehicle in above-mentioned vehicle risk assessment information can
To be vehicle that user oneself holds, it is also possible to other vehicles (such as shared vehicle, rent vehicle etc.), above-mentioned vehicle risk
Assessment information may include the use information of the violation information of above-mentioned vehicle, the payment information of above-mentioned vehicle, above-mentioned vehicle.
203: extracting the risk score item in above-mentioned vehicle risk assessment information.
In embodiments of the present invention, when the vehicle risk for getting above-mentioned user according to above-mentioned user identifier assesses information
Afterwards, it needs to assess information to above-mentioned vehicle risk and be analyzed and processed, extracting can comment in above-mentioned vehicle risk assessment information
Estimate the information of consumer's risk, i.e., above-mentioned risk score item.
204: determining the scoring weight of each scoring item in above-mentioned risk score item.
In embodiments of the present invention, it after extracting risk score item from above-mentioned vehicle risk assessment information, needs
Determine the scoring weight of each scoring item in above-mentioned risk score item, i.e., different scoring items there should be different weighted values.
As an alternative embodiment, can be divided according to above-mentioned scoring item and the tightness degree of consumer's risk assessment
With the corresponding scoring weight of each scoring item.For example, can by it is all possible scoring item scoring weight according to user's wind
The tightness degree nearly assessed is pre-set, and weight is higher with closely then scoring the risk assessment moon of user.When from above-mentioned vehicle
After extracting risk score item in risk assessment information, then directly determine that above-mentioned risk is commented according to pre-set scoring weight
The scoring weight of each scoring item in subitem.
205: being scored according to the vehicle risk of above-mentioned risk score item and the above-mentioned above-mentioned user of scoring weight calculation.
In embodiments of the present invention, it after determining the scoring weight of each scoring item in above-mentioned risk score item, then needs
It to be scored according to the weight that the scoring weight calculation of each scoring item goes out each scoring item, then according in above-mentioned risk score item
The weight scoring of each scoring item is scored to calculate the vehicle risk of above-mentioned user.
As an alternative embodiment, the scoring of above-mentioned single scoring item can be with are as follows:
P=A*N*K
Wherein, P is the scoring of single scoring item, and A is single scoring item single scoring, and N is the frequency of single scoring item, K
For the scoring weight for individually commenting item；
The vehicle risk scoring of above-mentioned user is the sum of all scoring items in above-mentioned risk score item.
206: being generated according to the scoring of the above-mentioned vehicle risk of the above-mentioned risk score item of above-mentioned user and above-mentioned user above-mentioned
The Risk Assessment Report of user.
In embodiments of the present invention, when to above-mentioned user vehicle risk scoring after, then according to the wind of above-mentioned user
The vehicle risk scoring of danger scoring item and above-mentioned user generate the Risk Assessment Report of above-mentioned user, then by above-mentioned risk assessment
Report is sent to above-mentioned requesting party.
As can be seen that in embodiments of the present invention, by combining block chain technology, being assessed and being believed according to the vehicle risk of user
Breath to carry out risk assessment to user, both can guarantee authenticity, the transparency of user's vehicle risk assessment information, moreover it is possible to effective
Solve the problems, such as that privacy of user is revealed.
It is the schematic flow diagram of another vehicle risk appraisal procedure provided in an embodiment of the present invention referring to Fig. 3, Fig. 3, such as
This method shown in Fig. 3 can include:
301: receiving the above-mentioned vehicle risk from sender and assess information.
In embodiments of the present invention, above-mentioned sender can include but is not limited to above-mentioned user itself user terminal, its
It is the user terminal of his user, above-mentioned regulator or financial institution's (such as bank, security, insurance, trust, fund etc.), vehicle-mounted
Terminal, traffic administration platform etc..
Specifically, above-mentioned sender acquires the risk assessment data relevant to vehicle of above-mentioned user, then by above-mentioned vehicle
The processing of risk assessment information package generates above-mentioned vehicle risk and assesses information, then sends above-mentioned vehicle risk assessment information
It is verified to above-mentioned block chain node server.It wherein, include the user of above-mentioned user in above-mentioned vehicle risk assessment information
The electronic signature information of mark, the identity information of above-mentioned sender and above-mentioned sender.
For example, above-mentioned sender is car-mounted terminal, above-mentioned car-mounted terminal acquires the driving behavior data of above-mentioned user, then
Information will be assessed as above-mentioned vehicle risk after above-mentioned driving behavior data packing processing, is then sent to above-mentioned block chain node
Server is verified.
302: verifying above-mentioned vehicle risk assessment information；If being verified, by the assessment information write-in of above-mentioned vehicle risk
In above-mentioned block chain.
In embodiments of the present invention, after above-mentioned block chain node server receives above-mentioned vehicle risk assessment information,
It needs to verify it, it, then will be in above-mentioned vehicle risk assessment information write-in block chain after being verified.Its verification process
It is similar with the verification process of above-mentioned inquiry request, therefore repeat no more.
As can be seen that through the embodiment of the present invention, the vehicle of user can be recorded by multiple channel in conjunction with block chain
Risk assessment information allows the vehicle risk of user to assess Diversity of information, so that the vehicle risk assessment to user has more
Persuasion property.
303: receiving the inquiry request to the Risk Assessment Report of user.
304: authorization requests being generated according to above-mentioned inquiry request, send above-mentioned authorization requests to above-mentioned user.
In embodiments of the present invention, to protect privacy of user, looking into the Risk Assessment Report of above-mentioned user is being received
It askes after requesting, it is thus necessary to determine that the search access right of above-mentioned requesting party.
Specifically, after receiving the inquiry request to the Risk Assessment Report of user, according to the generation pair of above-mentioned inquiry request
Then above-mentioned authorization requests are sent to above-mentioned client by the authorization requests answered.Wherein, above-mentioned authorization requests are for obtaining inquiry
The permission of the above-mentioned vehicle risk assessment information of user is stated,
305: if receiving the confirmation authorization message from above-mentioned user, being obtained in block chain according to above-mentioned inquiry request
The vehicle risk of above-mentioned user assesses information.
In embodiments of the present invention, after receiving the confirmation authorization message from above-mentioned user, to above-mentioned confirmation authorization
Information is verified, and if the verification passes, is then commented according to the vehicle risk that above-mentioned inquiry request obtains above-mentioned user in block chain
Estimate information.Wherein, above-mentioned license confirmation packet contains the electronic signature information of above-mentioned user.
As can be seen that in embodiments of the present invention, when inquiring the vehicle risk assessment report of user, needing user itself
Authorization could be inquired, and the privacy of user can be effectively protected in this.
306: extracting the risk score item in above-mentioned vehicle risk assessment information.
307: obtaining the tightness degree relation mapping table of risk score item and risk assessment.
Wherein, above-mentioned relation mapping table is stored in advance in above-mentioned block chain node server, above-mentioned relation mapping
Table is used to confirm the tightness degree of each scoring item and consumer's risk assessment in above-mentioned risk score item.
308: each scoring item in above-mentioned risk score item is determined according to above-mentioned risk score item and above-mentioned relation mapping table
Scoring weight.
In embodiments of the present invention, after getting above-mentioned relation mapping table, then according to above-mentioned risk score item and upper
Relation mapping table is stated to determine in above-mentioned risk score item not to the scoring weight of scoring item.
As an alternative embodiment, the scoring weight of above-mentioned scoring item can be calculated according to following formula:
Wherein, KiFor the scoring weight of i-th of item that scores, BiFor the tightness degree of i-th score item and risk assessment, n is
The number of scoring item in above-mentioned risk score item.
For example, there are three the item that scores in above-mentioned risk score item, the respectively first scoring item, the second scoring item, third are commented
Subitem；Scoring item and the tightness degree of consumer's risk assessment are divided into five grades of 1-5.First scoring item and risk assessment it is close
Degree is 1, and the tightness degree of the second scoring and risk assessment is 3, and the tightness degree of third scoring item and risk assessment is 4.
Then first scoring item, second scoring item, third scoring item scoring weight be respectively 0.125,0.375,0.5.
309: according to the power of each scoring item in above-mentioned scoring item and the corresponding scoring above-mentioned risk score item of weight calculation
It scores again, the risk score by the sum of weight scoring of all scoring items as user.
In embodiments of the present invention, after determining the scoring weight of each scoring item in above-mentioned risk score item, then root
According to the weight scoring of each scoring item in above-mentioned scoring item and the corresponding scoring above-mentioned risk score item of weight calculation, then by institute
There is risk score of the sum of the weight scoring of scoring item as user.
Optionally, the weight scoring of each scoring item can be calculated according to following formula in above-mentioned risk score phase:
Pi=Ai*Ni*Ki
Wherein, PiFor the weight scoring of i-th of item that scores, AiIt scores for i-th of scoring item single, NiFor i-th of scoring item
The frequency, KiThe scoring weight of item is commented for i-th.
310: being generated according to the scoring of the above-mentioned vehicle risk of the above-mentioned risk score item of above-mentioned user and above-mentioned user above-mentioned
The Risk Assessment Report of user.
Referring to fig. 4, Fig. 4 is the schematic flow diagram of another vehicle risk appraisal procedure provided in an embodiment of the present invention, such as
This method shown in Fig. 4 can include:
401: receiving the above-mentioned vehicle risk from sender and assess information.
402: verifying above-mentioned vehicle risk assessment information；If being verified, by the assessment information write-in of above-mentioned vehicle risk
In above-mentioned block chain.
403: receiving the inquiry request to the Risk Assessment Report of user.
404: judging whether the requesting party of above-mentioned inquiry request has search access right according to above-mentioned inquiry request；If so,
Information is assessed according to the vehicle risk that above-mentioned inquiry request obtains above-mentioned user in block chain.
In embodiments of the present invention, in order to ensure the personal secrets of above-mentioned user, when receiving the risk to above-mentioned user
After the inquiry request of assessment report, need to judge whether the requesting party that above-mentioned inquiry is asked has inquiry according to above-mentioned inquiry request
Permission.After being determined that above-mentioned requesting party has search access right, then above-mentioned user in block chain is obtained according to above-mentioned inquiry request
Vehicle risk assess information.This process is similar with previous embodiment, therefore repeats no more.
405: the assessment information encryption of above-mentioned vehicle risk being generated into checking solicited message, above-mentioned checking solicited message is for testing
Demonstrate,prove whether above-mentioned vehicle risk assessment information is true.
In embodiments of the present invention, the vehicle risk assessment information of above-mentioned user is being obtained in node server in order to prevent
It is tampered before taking, after the vehicle risk for getting above-mentioned user assesses information, by the assessment information encryption life of above-mentioned vehicle risk
At checking solicited message, other network-node servers for being subsequently sent to block chain are verified.Wherein above-mentioned checking request
It whether is true for verifying above-mentioned vehicle risk assessment information.
406: sending above-mentioned checking solicited message to above-mentioned other network nodes of block chain.
407: receiving the verification result from other network nodes of above-mentioned block chain.
408: if receiving more than the verification result of the network node of given threshold is that above-mentioned vehicle risk assessment information is
Very, then the risk score item in above-mentioned vehicle risk assessment information is extracted.
In embodiments of the present invention, after receiving the verification result of other network nodes in above-mentioned block chain, if receiving
Indicate that above-mentioned vehicle risk assessment information is very, then to extract above-mentioned vehicle risk assessment letter to the verification result for being more than given threshold
Risk score item in breath.
As an alternative embodiment, after other above-mentioned network nodes receive above-mentioned checking solicited message, it will
The vehicle risk assessment information stored in vehicle risk assessment information and local block chain is obtained in above-mentioned checking solicited message to compare,
If they are the same, then it is verified, sends the information being verified to the node server for sending above-mentioned checking solicited message.
As can be seen that in embodiments of the present invention, after getting vehicle risk assessment information, the vehicle that will acquire
Risk assessment information is sent to the verifying of other network nodes, if being more than the verification result of given threshold is very, just to continue in next step
Operation.Therefore, it may further ensure that the vehicle risk assessment information got from block chain through the embodiment of the present invention
Authenticity,
409: obtaining the tightness degree relation mapping table of risk score item and risk assessment.
410: each scoring item in above-mentioned risk score item is determined according to above-mentioned risk score item and above-mentioned relation mapping table
Scoring weight.
411: according to the power of each scoring item in above-mentioned scoring item and the corresponding scoring above-mentioned risk score item of weight calculation
It scores again, the risk score by the sum of weight scoring of all scoring items as user.
412: being generated according to the scoring of the above-mentioned vehicle risk of the above-mentioned risk score item of above-mentioned user and above-mentioned user above-mentioned
The Risk Assessment Report of user.
As can be seen that in embodiments of the present invention, by combining block chain technology, being assessed and being believed according to the vehicle risk of user
Breath to carry out risk assessment to user, both can guarantee authenticity, the transparency of user's vehicle risk assessment information, moreover it is possible to effective
Solve the problems, such as that privacy of user is revealed.
The embodiment of the present invention also provides a kind of server, which is used to execute the list of any one of aforementioned above-mentioned method
Member.It specifically, is a kind of schematic block diagram of server provided in an embodiment of the present invention referring to Fig. 5, Fig. 5.The service of the present embodiment
Device includes: receiving unit 501, acquiring unit 502, extraction unit 503, determination unit 504, computing unit 505, generation unit
506。
Receiving unit 501, for receiving the inquiry request to the Risk Assessment Report of user；
Acquiring unit 502, the vehicle risk for obtaining above-mentioned user in block chain according to above-mentioned inquiry request assess letter
Breath；
Extraction unit 503, for extracting the risk score item in above-mentioned vehicle risk assessment information；
Determination unit 504, for determining the scoring weight of each scoring item in above-mentioned risk score item；
Computing unit 505, for the vehicle wind according to above-mentioned risk score item and the above-mentioned above-mentioned user of scoring weight calculation
Danger scoring；
Generation unit 506, for according to the above-mentioned risk score item of above-mentioned user and the above-mentioned vehicle risk of above-mentioned user
Scoring generates the Risk Assessment Report of above-mentioned user.
Further, above-mentioned acquiring unit 502 is also used to obtain the tightness degree relationship of risk score item and risk assessment
Mapping table；
Above-mentioned determination unit 504 is also used to determine above-mentioned risk according to above-mentioned risk score item and above-mentioned relation mapping table
The scoring weight of each scoring item in scoring item；
Above-mentioned computing unit 505, for according to above-mentioned scoring item and the corresponding above-mentioned risk score item of scoring weight calculation
In it is each scoring item weight scoring；
The sum of the weight scoring for the item that all scores in above-mentioned risk score item is determined as above-mentioned by above-mentioned determination unit 504
The vehicle risk of user scores.
Optionally, above-mentioned receiving unit 501 is also used to receive the above-mentioned vehicle risk assessment information from sender；
Above-mentioned server further include:
Authentication unit 507, for verifying above-mentioned vehicle risk assessment information；
Writing unit 508 will be in the assessment information write-in of above-mentioned vehicle risk if being verified for above-mentioned authentication unit
It states in block chain.
Optionally, above-mentioned generation unit 506 is also used to generate authorization requests according to above-mentioned inquiry request, and above-mentioned authorization is asked
Seek the permission for obtaining the above-mentioned vehicle risk assessment information for inquiring above-mentioned user；
Above-mentioned server further include:
Transmission unit 509, for sending above-mentioned authorization requests to above-mentioned user；
Above-mentioned acquiring unit 502, if for receiving the confirmation authorization message from above-mentioned user, according to above-mentioned inquiry
The vehicle risk of above-mentioned user assesses information in request block chain；
Alternatively, above-mentioned server further include:
Judging unit 510 judges whether the requesting party of above-mentioned inquiry request has search access right according to above-mentioned inquiry request；
Above-mentioned acquiring unit 502 obtains block chain according to above-mentioned inquiry request if being judged as YES for above-mentioned judging unit
In above-mentioned user vehicle risk assess information.
Optional above-mentioned server further include:
Checking request unit 511, it is above-mentioned to test for the assessment information encryption of above-mentioned vehicle risk to be generated checking solicited message
Whether card solicited message is true for verifying above-mentioned vehicle risk assessment information；
Above-mentioned transmission unit 509 is also used to send above-mentioned checking solicited message to above-mentioned other network nodes of block chain；
Above-mentioned receiving unit 501, is also used to receive the verification result from other network nodes of above-mentioned block chain；
Said extracted unit 503, if the verification result for receiving the network node more than given threshold is more than setting
Threshold value then executes the risk score item in the above-mentioned vehicle risk assessment information of said extracted.
As can be seen that in embodiments of the present invention, by combining block chain technology, being assessed and being believed according to the vehicle risk of user
Breath to carry out risk assessment to user, both can guarantee authenticity, the transparency of user's vehicle risk assessment information, moreover it is possible to effective
Solve the problems, such as that privacy of user is revealed.
It is a kind of equipment provided in an embodiment of the present invention referring to Fig. 6, Fig. 6, which can be server, as shown in Figure 6
Equipment includes: one or more processors 601；One or more input equipments 602, one or more output equipments 603 and are deposited
Reservoir 604.Above-mentioned processor 601, input equipment 602, output equipment 603 and memory 604 are connected by bus 605.Storage
For storing instruction, processor 601 is used to execute the instruction of the storage of memory 602 to device 602.
Wherein, in the case which uses as server, processor 601 is used for: receiving the risk assessment to user
The inquiry request of report；Information is assessed according to the vehicle risk that above-mentioned inquiry request obtains above-mentioned user in block chain；In extraction
State the risk score item in vehicle risk assessment information；Determine the scoring weight of each scoring item in above-mentioned risk score item；Root
It scores according to the vehicle risk of above-mentioned risk score item and the above-mentioned above-mentioned user of scoring weight calculation；According to the above-mentioned wind of above-mentioned user
The above-mentioned vehicle risk scoring of danger scoring item and above-mentioned user generate the Risk Assessment Report of above-mentioned user.
It should be appreciated that in embodiments of the present invention, alleged processor 601 can be central processing unit (Central
Processing Unit, CPU), which can also be other general processors, digital signal processor (Digital
Signal Processor, DSP), specific integrated circuit (Application Specific Integrated Circuit,
ASIC), ready-made programmable gate array (Field-Programmable Gate Array, FPGA) or other programmable logic
Device, discrete gate or transistor logic, discrete hardware components etc..General processor can be microprocessor or this at
Reason device is also possible to any conventional processor etc..
Input equipment 602 may include that Trackpad, fingerprint adopt sensor (for acquiring the finger print information and fingerprint of user
Directional information), microphone etc., output equipment 603 may include display (LCD etc.), loudspeaker etc..
The memory 604 may include read-only memory and random access memory, and to processor 601 provide instruction and
Data.The a part of of memory 604 can also include nonvolatile RAM.For example, memory 604 can also be deposited
Store up the information of device type.
In the specific implementation, processor 601 described in the embodiment of the present invention, input equipment 602, output equipment 603 can
Implementation described in a kind of first embodiment of vehicle risk appraisal procedure provided in an embodiment of the present invention is executed, and
The realization side of server described in the embodiment of the present invention also can be performed in implementation in second embodiment and 3rd embodiment
Formula, details are not described herein.
A kind of computer readable storage medium, above-mentioned computer-readable storage medium are provided in another embodiment of the invention
Matter is stored with computer program, realization when above-mentioned computer program is executed by processor: receiving the Risk Assessment Report to user
Inquiry request；Information is assessed according to the vehicle risk that above-mentioned inquiry request obtains above-mentioned user in block chain；Extract above-mentioned vehicle
Risk score item in risk assessment information；Determine the scoring weight of each scoring item in above-mentioned risk score item；According to upper
State risk score item and the vehicle risk scoring of the above-mentioned above-mentioned user of scoring weight calculation；It is commented according to the above-mentioned risk of above-mentioned user
The scoring of the above-mentioned vehicle risk of subitem and above-mentioned user generates the Risk Assessment Report of above-mentioned user.
Above-mentioned computer readable storage medium can be the internal storage unit of the above-mentioned terminal of aforementioned any embodiment, example
Such as the hard disk or memory of terminal.Above-mentioned computer readable storage medium is also possible to the External memory equipment of above-mentioned terminal, such as
The plug-in type hard disk being equipped in above-mentioned terminal, intelligent memory card (Smart Media Card, SMC), secure digital (Secure
Digital, SD) card, flash card (Flash Card) etc..Further, above-mentioned computer readable storage medium can also be wrapped both
The internal storage unit for including above-mentioned terminal also includes External memory equipment.Above-mentioned computer readable storage medium is above-mentioned for storing
Other programs and data needed for computer program and above-mentioned terminal.Above-mentioned computer readable storage medium can be also used for temporarily
When store the data that has exported or will export.
Fig. 7 is a kind of server architecture schematic diagram provided in an embodiment of the present invention, which can be because of configuration or performance
It is different and generate bigger difference, it may include one or more central processing units (central processing
Units, CPU) 722 (for example, one or more processors) and memory 732, one or more storages apply journey
The storage medium 730 (such as one or more mass memory units) of sequence 742 or data 744.Wherein, 732 He of memory
Storage medium 730 can be of short duration storage or persistent storage.The program for being stored in storage medium 730 may include one or one
With upper module (diagram does not mark), each module may include to the series of instructions operation in server.Further, in
Central processor 722 can be set to communicate with storage medium 730, execute on server 700 a series of in storage medium 730
Instruction operation.
Server 700 can also include one or more power supplys 726, one or more wired or wireless networks
Interface 750, one or more input/output interfaces 758, and/or, one or more operating systems 741, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
The step as performed by server can be based on the server architecture shown in fig. 6 in above-described embodiment.
Those of ordinary skill in the art may be aware that list described in conjunction with the examples disclosed in the embodiments of the present disclosure
Member and algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware
With the interchangeability of software, each exemplary composition and step are generally described according to function in the above description.This
A little functions are implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Specially
Industry technical staff can use different methods to achieve the described function each specific application, but this realization is not
It is considered as beyond the scope of this invention.
It is apparent to those skilled in the art that for convenience of description and succinctly, foregoing description is
The specific work process of system, server, terminal device and unit, can refer to corresponding processes in the foregoing method embodiment,
This is repeated no more.
In several embodiments provided herein, it should be understood that disclosed system, server, terminal device
And method, it may be implemented in other ways.For example, the apparatus embodiments described above are merely exemplary, for example,
The division of said units, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple
Unit or assembly can be combined or can be integrated into another system, or some features can be ignored or not executed.In addition,
Shown or discussed mutual coupling, direct-coupling or communication connection can be through some interfaces, device or unit
Indirect coupling or communication connection, be also possible to electricity, the connection of mechanical or other forms.
Above-mentioned unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.Some or all of unit therein can be selected to realize the embodiment of the present invention according to the actual needs
Purpose.
It, can also be in addition, the functional units in various embodiments of the present invention may be integrated into one processing unit
It is that each unit physically exists alone, is also possible to two or more units and is integrated in one unit.It is above-mentioned integrated
Unit both can take the form of hardware realization, can also realize in the form of software functional units.
If above-mentioned integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, technical solution of the present invention is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment above method of the present invention
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
The above description is merely a specific embodiment, but scope of protection of the present invention is not limited thereto, any
Those familiar with the art in the technical scope disclosed by the present invention, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should be covered by the protection scope of the present invention.Therefore, protection scope of the present invention should be with right
It is required that protection scope subject to.
Claims (10)
1. a kind of vehicle risk appraisal procedure characterized by comprising
Receive the inquiry request to the Risk Assessment Report of user；
The vehicle risk for obtaining user described in block chain according to the inquiry request assesses information；
Extract the risk score item in the vehicle risk assessment information；
Determine the scoring weight of each scoring item in the risk score item；
According to the vehicle risk scoring of user described in the risk score item and the scoring weight calculation；
The wind of the user is generated according to the scoring of the vehicle risk of the risk score item of the user and the user
Dangerous assessment report.
2. the method according to claim 1, wherein each scoring item in the determination risk score item
Scoring weight include:
Obtain the tightness degree relation mapping table of risk score item and risk assessment；
The scoring power of each scoring item in the risk score item is determined according to the risk score item and the relation mapping table
Weight；
It is described to be scored according to the risk score item with the vehicle risk of user described in the scoring weight calculation, comprising:
According to the weight scoring of each scoring item in risk score item described in the scoring item and corresponding scoring weight calculation；
The sum of the weight scoring for the item that all scores in the risk score item is determined as to the vehicle risk scoring of the user.
3. the method according to claim 1, wherein in the inquiry received to the Risk Assessment Report of user
Before request, the method also includes:
It receives the vehicle risk from sender and assesses information；
Verify the vehicle risk assessment information；
If being verified, vehicle risk assessment information is written in the block chain.
4. the method according to claim 1, wherein in the inquiry received to the Risk Assessment Report of user
After request, the method also includes:
Authorization requests are generated according to the inquiry request, the authorization requests are for obtaining the vehicle wind for inquiring the user
The permission of danger assessment information；
The authorization requests are sent to the user；
If receiving the confirmation authorization message from the user, execute described according in inquiry request acquisition block chain
The operation of the vehicle risk assessment information of the user；
Alternatively, judging whether the requesting party of the inquiry request has search access right according to the inquiry request；
If so, executing the vehicle risk for obtaining user described in block chain according to the inquiry request assesses information.
5. method according to claim 1-4, which is characterized in that obtain area according to the inquiry request described
After the vehicle risk assessment information of user described in block chain, the method also includes:
Vehicle risk assessment information encryption is generated into checking solicited message, the checking solicited message is for verifying the vehicle
Whether risk assessment information is true；
The checking solicited message is sent to described other network nodes of block chain；
Receive the verification result from other network nodes of the block chain；
If the verification result of the network node received is more than given threshold, the extraction vehicle risk assessment letter is executed
The operation of risk score item in breath.
6. a kind of server characterized by comprising
Receiving unit, for receiving the inquiry request to the Risk Assessment Report of user；
Acquiring unit, the vehicle risk for obtaining user described in block chain according to the inquiry request assess information；
Extraction unit, for extracting the risk score item in the vehicle risk assessment information；
Determination unit, for determining the scoring weight of each scoring item in the risk score item；
Computing unit, the vehicle risk scoring for the user according to the risk score item and the scoring weight calculation；
Generation unit, for scoring and generating according to the risk score item of the user and the vehicle risk of the user
The Risk Assessment Report of the user.
7. server according to claim 6, which is characterized in that
The generation unit is also used to generate authorization requests according to the inquiry request, and the authorization requests are for obtaining inquiry
The permission of the vehicle risk assessment information of the user；
The server further include:
Transmission unit, for sending the authorization requests to the user；
The acquiring unit, if being obtained for receiving the confirmation authorization message from the user according to the inquiry request
The vehicle risk of user described in block chain is taken to assess information；
Alternatively, the server further include:
Judging unit judges whether the requesting party of the inquiry request has search access right according to the inquiry request；
The acquiring unit obtains institute in block chain according to the inquiry request if being judged as YES for the judging unit
State the vehicle risk assessment information of user.
8. server according to claim 6 or 7, which is characterized in that
Checking request unit, for vehicle risk assessment information encryption to be generated checking solicited message, the checking solicited message
It whether is true for verifying the vehicle risk assessment information；
The transmission unit is also used to send the checking solicited message to described other network nodes of block chain；
The receiving unit is also used to receive the verification result from other network nodes of the block chain；
The extraction unit executes the extraction if the verification result of the network node for receiving is more than given threshold
Risk score item in the vehicle risk assessment information.
9. a kind of server, which is characterized in that the server includes processor, memory and communication module, wherein described to deposit
Reservoir is for storing program code, and the processor is for calling said program code to execute such as any one of claim 1-5
The method.
10. a kind of computer readable storage medium, which is characterized in that the computer storage medium is stored with computer program,
The computer program includes program instruction, and described program instruction makes the processor execute such as right when being executed by a processor
It is required that the described in any item methods of 1-5.
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| CN201810627731.7A CN108985569A (en) | 2018-06-15 | 2018-06-15 | A kind of vehicle risk appraisal procedure, server |
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| CN201810627731.7A CN108985569A (en) | 2018-06-15 | 2018-06-15 | A kind of vehicle risk appraisal procedure, server |
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| CN110033171A (en) * | 2019-03-19 | 2019-07-19 | 阿里巴巴集团控股有限公司 | A kind of method, system platform and medium identifying financial company's risk |
| CN110287703A (en) * | 2019-06-10 | 2019-09-27 | 百度在线网络技术（北京）有限公司 | The method and device of vehicle safety risk supervision |
| CN110516967A (en) * | 2019-08-28 | 2019-11-29 | 腾讯科技（深圳）有限公司 | A kind of method and relevant apparatus of information evaluation |
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| CN110659798A (en) * | 2019-08-13 | 2020-01-07 | 深圳市元征科技股份有限公司 | Risk management method and device |
| CN110704866A (en) * | 2019-09-06 | 2020-01-17 | 中国平安财产保险股份有限公司 | Block chain-based request processing method and request processing device |
| CN111311301A (en) * | 2020-01-03 | 2020-06-19 | 郭斌 | Automobile valuation system and method based on block chain |
| CN112163740A (en) * | 2020-09-11 | 2021-01-01 | 日立楼宇技术（广州）有限公司 | Block chain-based maintenance personnel evaluation result obtaining method and device |
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| CN110516967A (en) * | 2019-08-28 | 2019-11-29 | 腾讯科技（深圳）有限公司 | A kind of method and relevant apparatus of information evaluation |
| CN110516967B (en) * | 2019-08-28 | 2024-05-10 | 腾讯科技（深圳）有限公司 | Information evaluation method and related device |
| CN110704866A (en) * | 2019-09-06 | 2020-01-17 | 中国平安财产保险股份有限公司 | Block chain-based request processing method and request processing device |
| CN112767061A (en) * | 2019-10-21 | 2021-05-07 | 贝壳技术有限公司 | Method and device for automatically identifying house property transaction risk |
| CN111311301B (en) * | 2020-01-03 | 2024-03-05 | 郭斌 | Automobile estimation system and method based on block chain |
| CN111311301A (en) * | 2020-01-03 | 2020-06-19 | 郭斌 | Automobile valuation system and method based on block chain |
| CN112163740B (en) * | 2020-09-11 | 2023-06-27 | 日立楼宇技术（广州）有限公司 | Method and device for acquiring maintenance personnel assessment results based on blockchain |
| CN112163740A (en) * | 2020-09-11 | 2021-01-01 | 日立楼宇技术（广州）有限公司 | Block chain-based maintenance personnel evaluation result obtaining method and device |
| CN112702410A (en) * | 2020-12-18 | 2021-04-23 | 深圳赛安特技术服务有限公司 | Evaluation system and method based on block chain network and related equipment |
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Application publication date: 20181211 |