CN110473058A - A kind of shared platform method of commerce based on block chain credit value - Google Patents
A kind of shared platform method of commerce based on block chain credit value Download PDFInfo
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- CN110473058A CN110473058A CN201910678704.7A CN201910678704A CN110473058A CN 110473058 A CN110473058 A CN 110473058A CN 201910678704 A CN201910678704 A CN 201910678704A CN 110473058 A CN110473058 A CN 110473058A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06N—COMPUTING ARRANGEMENTS BASED ON SPECIFIC COMPUTATIONAL MODELS
- G06N20/00—Machine learning
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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
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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
- G06Q10/06395—Quality analysis or management
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0609—Buyer or seller confidence or verification
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
-
- 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 relates to block chain fields, more particularly, to a kind of shared platform method of commerce based on block chain credit value.The present invention by the way that a kind of faith mechanism based on credit value is arranged, can concentrated expression user in social prestige, economic situation, the degree that honors one's contracts and keep one's promise in terms of honouring an agreement of transaction.And in process of exchange, the node users participated in business can participate in the evaluation of outcome quality, the high ratio accounted for of user's credit value is great, more added with right of speech, outcome quality evaluation is more authoritative, the probability for the attack generation that spreads vicious gossip can be effectively reduced in this, so that the evaluation of outcome quality is more open, fair and impartial；Furthermore the present invention also designs a kind of incentive mechanism, the cash pledge of order next time can be adjusted according to user's credit value, while preferentially being screened according to user's credit value.
Description
Technical field
The present invention relates to block chain fields, trade more particularly, to a kind of shared platform based on block chain credit value
Method.
Background technique
In recent years, more and more enterprises are used as a kind of business model for shared.Shared model is one kind of electric business mode,
Such as shared room, shared automobile, shared parking stall, by will one's own some resource-sharings to others, give others with
It facilitates, while oneself can also obtain corresponding fund reward, so that maximum resource utilization.In numerous shared platforms,
Resource owner issues resource in third party's shared platform, and demander inquires order by platform, selects the resource needed,
Certain expense is paid, that is, corresponding resource can be used.
In traditional shared model, resource owner and demander almost require to rely on believable third party to handle
The work such as transaction and assessment.Although in most cases this kind of system is all gone on well, this kind of system and traditional finance
Mechanism is equally limited by " fiduciary mould ", and centralized server can lead to the problem of Single Point of Faliure.Such as: Google's number of users
According to leakage, the leakage of Hyatt Regency Hotel customer data.
In shared operating mode, due to resource owner and demander have selfish characteristic and be dedicated to obtained from
The maximization of body benefit, such situation will lead to some resource owners and exaggerate purposely resource, and there may be random for demander
Damage resource even destroys the case where resource or even some behaviors that can occur to steal resource.I.e. in shared platform, exist interior
The inspiration problem in portion.Therefore, how driver resource owner issues oneself resource strictly according to the facts, uses money to demander reasonable standard
Source becomes the important link of optimization shared platform to ensure the fair and just of shared platform.
Shared solution traditional at present requires to rely on trusted third party to design corresponding faith mechanism, excitation set
System is assessed with outcome quality.As trust crisis occur in more and more third parties, designs one kind and need not rely on insincere
The shared model of tripartite becomes very necessary thing.
Summary of the invention
It is only the mesh for reaching decentralization with block chain technology to solve shared solution in the prior art
, the deficiency of corresponding faith mechanism, incentive mechanism and outcome evaluation method is not designed, and the present invention provides one kind to be based on
The shared platform method of commerce of block chain credit value.
In order to solve the above technical problems, technical scheme is as follows:
A kind of shared platform method of commerce based on block chain credit value, comprising the following steps:
Step S1: user provides evaluation index in block platform chain register account number, while to platform；User includes that resource is gathered around
The person of having, demander and node users；
Step S2: the evaluation index that system submits user inputs in trained machine learning model, obtains user's
Initial credit value V0；
Step S3: resource owner uploads resource to block platform chain, system can according to the credit value of resource owner to
Demander recommends resource, and demander is inquired according to the resource of system recommendation, and the resource that selection meets itself intention is rung
It answers, and sends order request to resource owner；
Step S4: resource owner monitors order request, if listening to order, resource owner checks the prestige of demander
Value, the demander that selection meets itself intention carry out resource sharing；
Step S5: after resource owner and demander mutually select, both sides conclude the transaction intention, and demander is simultaneously to system
Submit corresponding cash pledge；
Step S6: after service, resource owner and demander submit result for other nodes in block platform chain
Family verifying, other node users are checked after result, and the trusting degree α to the transaction is provided；
Step S7: system calculates the credit value of resource owner and demander according to the data that other node users are submitted
And it updates；
Step S8: system notifies demander payment services expense, is rewarded accordingly resource owner, and return signature
Gold, so far, transaction are completed.
Preferably, in step S1, user need to submit to personal true identity information in block platform chain register account number
Certifying authority simultaneously encrypts.
Preferably, in step S1, the evaluation index includes education background, economic capability, evaluation record and mortgage
Gold.
Preferably, the specific steps in step S2 include:
In block platform chain, each user one initial credit value V is assigned0(0<V0≤ 1), due to being phase between user
It mutually contacts, there is communications and transaction between each user, collect dynamic prestige of the information of communication and transaction as user
Value VD, therefore, obtain the calculation formula of user's credit value V
V=k0V0+kDVD (1)
Wherein k0And kDIt is weight factor, and meets 0 < k0<1,k0+kD=1, dynamic credit value VDCalculating according to the following formula can
Wherein, N is the number of users that communication or transaction are generated in certain area, ViAnd αiRespectively indicate generation communication or
The credit value of the user of transaction and user meet following the trusting degree assessed value of this transaction:
0≤αi≤1,0≤Vi≤1。
The credit value V that user's (node) is calculated according to formula (1), (2), when user node is traded next time,
System can adjust cash pledge of the user in process of exchange according to credit value and can distribute a recommended priority, prestige to user
Value is higher, and user needs the cash pledge paid also accordingly to reduce, while recommended priority is also higher.
Preferably, k is determined0、kDSpecific step is as follows:
k0、kDFor weight factor, the power that initial credit value and dynamic credit value are occupied in final credit value is respectively represented
Weight, k0、kDIt can change with the history of customer transaction, if the transactions history of user is good, corresponding dynamic credit value also can phase
It should improve, while the corresponding weight of dynamic credit value can also correspondingly increase, i.e. kDValue will increase, and due to k0+kD=1, therefore just
The weight of beginning credit value can reduce accordingly, i.e. k0It can reduce.
Preferably, dynamic credit value V is determinedDSpecific step is as follows:
Dynamic credit value VDTransaction of the reflection user in shared transaction platform honors one's contracts and keep one's promise situation, which can be with user
Transactions history records and changes.Dynamic credit value VDIt can be determined according to formula (2), if user generates a transaction, will be tied
Fruit is uploaded to block platform chain and carries out consistency certification, and block platform chain broadcasts the result that user uploads, nearby area
User node in domain check as a result, and provide trusting degree α to the transaction, be uploaded to block chain, system is collected automatically
Other users node calls intelligent contract to the trusting degree of the transaction near zone, calculates dynamic according to formula (2)
Credit value VD。
Compared with prior art, the beneficial effect of technical solution of the present invention is:
1) present invention is provided with multiple evaluation indexes, the situation that honors one's contracts and keep one's promise of concentrated expression user's various aspects.
2) present invention can be effectively reduced the generation for the behaviors such as attack that spread vicious gossip.The present invention is participated in using multi-user's node
Outcome quality evaluation, the node users participated in business can participate in the evaluation of outcome quality, the high ratio accounted for of user's credit value
Great, more added with right of speech, outcome quality evaluation is more authoritative, and the general of attack generation that spread vicious gossip can be effectively reduced in this
Rate, so that the evaluation of outcome quality is more open, fair and impartial.
3) present invention is provided with effective incentive mechanism, ensures the stable operation of plateform system.The present invention designs a kind of sharp
Mechanism is encouraged, the cash pledge of order next time is adjusted according to user's credit value, while preferentially being screened according to user's credit value, user
Credit value, which reaches certain threshold value, can enjoy corresponding welfare, also will receive corresponding punishment lower than certain threshold value.
Detailed description of the invention
Fig. 1 is flow chart of the method for the present invention.
Fig. 2 is the frame diagram for determining dynamic credit value.
Specific embodiment
The attached figures are only used for illustrative purposes and cannot be understood as limitating the patent；
In order to better illustrate this embodiment, the certain components of attached drawing have omission, zoom in or out, and do not represent actual product
Size；
To those skilled in the art, it is to be understood that certain known features and its explanation, which may be omitted, in attached drawing
's.
The following further describes the technical solution of the present invention with reference to the accompanying drawings and examples.
Embodiment 1
As shown in Figure 1 and Figure 2, a kind of shared platform method of commerce based on block chain credit value, comprising the following steps:
Step S1: user provides evaluation index in block platform chain register account number, while to platform；User includes that resource is gathered around
The person of having, demander and node users；
Step S2: the evaluation index that system submits user inputs in trained machine learning model, obtains user's
Initial credit value V0；
Step S3: resource owner uploads resource to block platform chain, system can according to the credit value of resource owner to
Demander recommends resource, and demander is inquired according to the resource of system recommendation, and the resource that selection meets itself intention is rung
It answers, and sends order request to resource owner；
Step S4: resource owner monitors order request, if listening to order, resource owner checks the prestige of demander
Value, the demander that selection meets itself intention carry out resource sharing；
Step S5: after resource owner and demander mutually select, both sides conclude the transaction intention, and demander is simultaneously to system
Submit corresponding cash pledge；
Step S6: after service, resource owner and demander submit result for other nodes in block platform chain
Family verifying, other node users are checked after result, and the trusting degree α to the transaction is provided；
Step S7: system calculates the credit value of resource owner and demander according to the data that other node users are submitted
And it updates；
Step S8: system notifies demander payment services expense, is rewarded accordingly resource owner, and return signature
Gold, so far, transaction are completed.
As a preferred embodiment, in step S1, user, need to will be personal true in block platform chain register account number
Identity information is submitted to certifying authority and is encrypted.
As a preferred embodiment, in step S1, the evaluation index includes education background, economic capability, comments
Valence record and deposit.
As a preferred embodiment, the specific steps in step S2 include:
In block platform chain, each user one initial credit value V is assigned0(0<V0≤ 1), due to being phase between user
It mutually contacts, there is communications and transaction between each user, collect dynamic prestige of the information of communication and transaction as user
Value VD, therefore, obtain the calculation formula of user's credit value V
V=k0V0+kDVD (1)
Wherein k0And kDIt is weight factor, and meets 0 < k0<1,k0+kD=1, dynamic credit value VDCalculating according to the following formula can
Wherein, N is the number of users that communication or transaction are generated in certain area, ViAnd αiRespectively indicate generation communication or
The credit value of the user of transaction and user meet following the trusting degree assessed value of this transaction:
0≤αi≤1,0≤Vi≤1。
The credit value V that user's (node) is calculated according to formula (1), (2), when user's (node) trades next time
It waits, system can adjust cash pledge of the user in process of exchange according to credit value and can distribute a recommended priority to user,
Credit value is higher, and user needs the cash pledge paid also accordingly to reduce, while recommended priority is also higher, as shown in table 1:
Table 1
As a preferred embodiment, k is determined0、kDSpecific step is as follows:
k0、kDFor weight factor, the power that initial credit value and dynamic credit value are occupied in final credit value is respectively represented
Weight, k0、kDIt can change with the history of customer transaction, if the transactions history of user is good, corresponding dynamic credit value also can phase
It should improve, while the corresponding weight of dynamic credit value can also correspondingly increase, i.e. kDValue will increase, and due to k0+kD=1, therefore just
The weight of beginning credit value can reduce accordingly, i.e. k0It can reduce.
As a preferred embodiment, dynamic credit value V is determinedDSpecific step is as follows:
Dynamic credit value VDTransaction of the reflection user in shared transaction platform honors one's contracts and keep one's promise situation, which can be with user
Transactions history records and changes.Dynamic credit value VDIt can be determined according to formula (2), if user generates a transaction, will be tied
Fruit is uploaded to block platform chain and carries out consistency certification, and block platform chain broadcasts the result that user uploads, nearby area
User node in domain check as a result, and provide trusting degree α to the transaction, be uploaded to block chain, system is collected automatically
Other users node calls intelligent contract to the trusting degree of the transaction near zone, calculates dynamic according to formula (2)
Credit value VD。
The same or similar label correspond to the same or similar components；
The terms describing the positional relationship in the drawings are only for illustration, should not be understood as the limitation to this patent；
Obviously, the above embodiment of the present invention be only to clearly illustrate example of the present invention, and not be pair
The restriction of embodiments of the present invention.For those of ordinary skill in the art, may be used also on the basis of the above description
To make other variations or changes in different ways.There is no necessity and possibility to exhaust all the enbodiments.It is all this
Made any modifications, equivalent replacements, and improvements etc., should be included in the claims in the present invention within the spirit and principle of invention
Protection scope within.
Claims (6)
1. a kind of shared platform method of commerce based on block chain credit value, which comprises the following steps:
Step S1: user provides evaluation index in block platform chain register account number, while to platform；User includes that resource possesses
Person, demander and node users；
Step S2: the evaluation index that system submits user inputs in trained machine learning model, obtains the initial of user
Credit value V0；
Step S3: resource owner uploads resource to block platform chain, and system can be according to the credit value of resource owner to demand
Person recommends resource, and demander is inquired according to the resource of system recommendation, and the resource that selection meets itself intention is responded, and
Order request is sent to resource owner；
Step S4: resource owner monitors order request, if listening to order, resource owner checks the credit value of demander,
The demander that selection meets itself intention carries out resource sharing；
Step S5: after resource owner and demander mutually select, both sides conclude the transaction intention, and demander is submitted to system simultaneously
Corresponding cash pledge；
Step S6: after service, resource owner and demander submit result to test for other node users in block platform chain
Card, other node users are checked after result, and the trusting degree α to the transaction is provided；
Step S7: system calculates the credit value and more of resource owner and demander according to the data that other node users are submitted
Newly；
Step S8: system notifies demander payment services expense, is rewarded accordingly resource owner, and return of down payment,
So far, transaction is completed.
2. a kind of shared platform method of commerce based on block chain credit value according to claim 1, which is characterized in that step
In rapid S1, personal true identity information need to be submitted to certifying authority and added by user in block platform chain register account number
It is close.
3. a kind of shared platform method of commerce based on block chain credit value according to claim 2, which is characterized in that step
In rapid S1, the evaluation index includes education background, economic capability, evaluation record and deposit.
4. a kind of shared platform method of commerce based on block chain credit value according to claim 3, which is characterized in that step
Suddenly the specific steps in S2 include:
In block platform chain, each user one initial credit value V is assigned0(0<V0≤ 1), due to being mutually to interconnect between user
System, there is communications and transaction between each user, collect dynamic credit value V of the information of communication and transaction as userD,
Therefore, the calculation formula of user's credit value V is obtained
V=k0V0+kDVD (1)
Wherein k0And kDIt is weight factor, and meets 0 < k0<1,k0+kD=1, dynamic credit value VDIt can be calculated according to the following formula
Wherein, N is the number of users that communication or transaction are generated in certain area, ViAnd αiRespectively indicate generation communication or transaction
User credit value and user to the trusting degree assessed value of this transaction, and meet following:
0≤αi≤1,0≤Vi≤1。
The credit value V that user's (node) is calculated according to formula (1), (2), when user node is traded next time, system
According to cash pledge of the credit value adjustment user in process of exchange and user can be given to distribute a recommended priority, credit value is got over
Height, user needs the cash pledge paid also accordingly to reduce, while recommended priority is also higher.
5. a kind of shared platform method of commerce based on block chain credit value according to claim 4, which is characterized in that really
Determine k0、kDSpecific step is as follows:
k0、kDFor weight factor, the weight that initial credit value and dynamic credit value are occupied in final credit value is respectively represented,
k0、kDIt can change with the history of customer transaction, if the transactions history of user is good, corresponding dynamic credit value also can be corresponding
It improves, while the corresponding weight of dynamic credit value can also correspondingly increase, i.e. kDValue will increase, and due to k0+kD=1, thus it is initial
The weight of credit value can reduce accordingly, i.e. k0It can reduce.
6. a kind of shared platform method of commerce based on block chain credit value according to claim 4, which is characterized in that really
Determine dynamic credit value VDSpecific step is as follows:
Dynamic credit value VDTransaction of the reflection user in shared transaction platform honors one's contracts and keep one's promise situation, which can be with customer transaction
Historical record and change.Dynamic credit value VDIt can be determined according to formula (2), it, will be in result if user generates a transaction
It reaches block platform chain and carries out consistency certification, block platform chain broadcasts the result that user uploads, nearby in region
User node check as a result, and provide trusting degree α to the transaction, block chain is uploaded to, near system is collected automatically
Other users node calls intelligent contract, calculates dynamic prestige according to formula (2) to the trusting degree of the transaction in region
Value VD。
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| CN111445357A (en) * | 2019-11-26 | 2020-07-24 | 杭州亿房达科技有限公司 | Commodity room market trading subject credit quantification and excitation method based on block chain intelligent contract |
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| CN113269572B (en) * | 2021-07-01 | 2023-12-12 | 广西师范大学 | Credibility-based blockchain agricultural product traceability trusted data uploading method |
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