CN111445357A - Commodity room market trading subject credit quantification and excitation method based on block chain intelligent contract - Google Patents

Commodity room market trading subject credit quantification and excitation method based on block chain intelligent contract Download PDF

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CN111445357A
CN111445357A CN201911177068.6A CN201911177068A CN111445357A CN 111445357 A CN111445357 A CN 111445357A CN 201911177068 A CN201911177068 A CN 201911177068A CN 111445357 A CN111445357 A CN 111445357A
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credit
intelligent contract
user
credit score
account
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徐若晨
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Hangzhou Yifangda Technology Co ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q50/00Systems or methods specially adapted for specific business sectors, e.g. utilities or tourism
    • G06Q50/10Services
    • G06Q50/16Real estate
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06FELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/20Information retrieval; Database structures therefor; File system structures therefor of structured data, e.g. relational data
    • G06F16/27Replication, distribution or synchronisation of data between databases or within a distributed database system; Distributed database system architectures therefor
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

The invention discloses a method for quantifying and exciting a credit of a commodity room market trading main body based on a block chain intelligent contract, which gives a certain initial credit score to an initial registered user and stores the initial credit score in an intelligent contract, the registered user generates behavior information on a commodity room development and trading platform, a alliance chain alliance main account calls a corresponding intelligent contract, and the increase and decrease of the credit score under a user account are completed according to a preset rule. Due to the multi-centralization characteristic of the block chain, a platform operator does not control the issuing and the use of credit scores any more, but provides a suggested standard of 'credit score corresponding rights and interests', each merchant has certain self-regulation right, and can conduct customer drainage through mutual cooperation, so that a real ecological system is formed. The invention does not directly seek the conversion between Token and legal currency, but enriches the rights and interests of Token to improve the ecology of the platform.

Description

Commodity room market trading subject credit quantification and excitation method based on block chain intelligent contract
Technical Field
The invention relates to a method for quantifying and exciting a credit of a commodity room market trading subject based on a block chain intelligent contract.
Background
The core of the public block chain is the permit (Token), i.e. the negotiable rights and interests certificate. This is because the common chain consensus mechanism (PoW, PoS, etc.) is based on the system's Token incentive to the independent third party, miners, and only if these people hold Token, they will get their own interests in the system and have a drive to maintain the security of the system.
On one hand, on the other hand, Token is defined as a virtual commodity in China, and the virtual commodity does not belong to currency and cannot be circulated and used in the market as the currency; on the other hand, in enterprise-type blockchains targeted to large-scale business landfills, teams thereof encourage more traditional salaries and equity, so currently domestic enterprise-type blockchains basically select a coalition chain without Token and even a private chain. However, without the incentive mechanism around Token, such blockchain organization is difficult to balance the complex multi-party interests, and tends to gradually close and rigidify, eventually leading to the loss of users.
Some commodity house development and transaction platforms based on the block chain intelligent contracts just select a Token-free alliance chain as a carrier; in order to prevent the platform from gradually becoming rigid in operation, an incentive mechanism needs to be fused with the Token-free blockchain.
Disclosure of Invention
The invention provides a method for quantifying and exciting the credit of a commodity room market trading main body based on a block chain intelligent contract, which aims to solve the problem that the credit of the main body is lack in the prior art.
The technical scheme for solving the existing problems is as follows: a method for quantifying and exciting the credit of market trading subject based on intelligent block chain contract includes
1) The platform gives a certain initial credit score to the initial registered user and stores the initial credit score in the intelligent contract;
2) registering behavior information generated by a user on a commodity room development and transaction platform, calling a corresponding intelligent contract by a main account of the alliance link alliance, and increasing or decreasing credit scores of the user account according to a preset rule;
3) the intelligent contract stores the rights and interests policies of developers, property companies, banks and corresponding merchants; the behavior information comprises transaction reporting, performance and evaluation.
As a further improvement, the user can call a corresponding intelligent contract to inquire the account credit score of the user or other people.
As a further improvement, the credit score is obtained from the actions of transaction, performance and evaluation on the platform.
As a further improvement, the platform also comprises an equity mechanism, and merchants with different credit scores in the platform correspond to equity or punishment with different grades.
As a further improvement, the registered users comprise developers and consumers, and the developers and the consumers have different initial reputation scores.
As a further improvement, the reputation of the registered user is permanently stored in the regional chain.
As a further improvement, the user calls a Java external interface register user when registering the account, the background calls an intelligent contract function register user responsible for account registration through a Java contract interface register, and the user type (personal or enterprise), the user ID (identity card number or enterprise unified social credit code) are used as parameters and respectively transmitted by int type and string type, so that account credit score is generated and stored in the intelligent contract
As a further improvement, the user can call a Java external interface searchThehonor to inquire the credit score of the account, the background can call an intelligent contract function queryHornorByIdentity which is responsible for the credit score inquiry through a Java contract interface searchForContract, and the user ID is used as a parameter and is transmitted in a string type to finish the inquiry of the credit score.
As a further improvement, after the user registers and generates an account, the alliance chain union main account can call a Java external interface addorsubhonor to increase and decrease the credit score of the account, the background can call an intelligent contract function addAndSubHonor in charge of the credit score increase and decrease operation through a Java contract interface addandsubForContract, and the increase and decrease of the credit score are completed by respectively using string type, int type and double type as parameters and using the user ID, the credit score increase and decrease state and the credit score increase and decrease score as parameters.
As a further improvement, the equity policies of all merchants are maintained and stored in all intelligent contracts in a business process, after the intelligent contracts with credit score mechanisms are called and transmitted into user IDs in string types, credit scores of the accounts can be inquired, and corresponding equity policies are executed according to the result of the string types, which are returned by inquiry and record the equity policies corresponding to the credit grades of the accounts, of the equity policies
Compared with the prior art, the invention has the advantages that certain initial credit score is given to the initial registered user and is stored in the intelligent contract, the registered user generates behavior information on a commodity room development and transaction platform, the alliance link alliance main account calls the corresponding intelligent contract, and the increase and decrease of the credit score under the user account are completed according to the preset rule. Due to the multi-centralization characteristic of the block chain, a platform operator does not control the issuing and the use of credit scores any more, but provides a suggested standard of 'credit score corresponding rights and interests', each merchant has certain self-regulation right, and can conduct customer drainage through mutual cooperation, so that a real ecological system is formed.
The invention does not directly seek the conversion between Token and legal currency, but enriches the rights and interests of Token to improve the ecology of the platform; and the statistics of the credit score is completely based on the behavior information of the user on the goods room development and transaction platform, so that the user is stimulated to perform forward behaviors, accumulate the credit score for enjoying the rights and interests, and avoid making negative behaviors and being punished by deducting the credit score.
The invention is an important auxiliary function of a commercial room development and transaction platform, which ensures that the platform does not tend to be gradually closed and rigidified because of the defect of a Token alliance chain in the aspect of an incentive mechanism.
Drawings
FIG. 1 is a schematic flow diagram of the present invention.
Detailed Description
Referring to fig. 1, the present embodiment includes:
step 101: when a user calls the Java external interface register user to register an account, the background calls an intelligent contract function register user which is responsible for account registration through a Java contract interface register, and transmits a user type (personal or enterprise) and a user ID (identity card number or enterprise unified social credit code) as parameters respectively by an int type and a string type, so that account credit scores are generated and stored in an intelligent contract. The platform gives a certain initial credit score to the initial registered user and stores the initial credit score in the intelligent contract; in this embodiment, the initial reputation of the developer is divided into 400 points, and the initial reputation of the house buyer is divided into 600 points. Consumers and developers will have different initial reputation scores. The credit score of the user is permanently stored in the block chain, the situation that the credit is overdue and cleared or is tampered in the traditional centralized credit system can not occur, and the source of the credit score, namely the behavior information of the user, is transparent and searchable, so that the transparency of the score statistics is ensured.
Step 102: the user can call a corresponding intelligent contract to inquire the credit score of the user or other people, after the account is specifically generated, the user can call a Java external interface searchTheHornor to inquire the credit score of the account, the background can call an intelligent contract function queryHorByIdentity which is responsible for credit score inquiry through a Java contract interface searchForContract, and the user ID is used as a parameter and is transmitted in a string type, so that the inquiry of the credit score is completed.
Step 103: registering behavior information generated by a user on a commodity room development and transaction platform, calling a corresponding intelligent contract by a main account of the alliance link alliance, and increasing or decreasing credit scores of the user account according to a preset rule; after the account is generated specifically, only the alliance link union main account can call a Java external interface addorSubTheHorn to increase and decrease the credit score of the account, the background calls an intelligent contract function addAndSubHorn which is in charge of the credit score increase and decrease operation through a Java contract interface addAndSubForContract, the increase and decrease states of the user ID and the credit score, namely increase or decrease, and the credit score increase and decrease score are used as parameters, and string type, int type and double type are respectively introduced, so that the increase and decrease of the credit score are completed.
Step 104: the interest policies of all merchants are maintained and stored in all intelligent contracts in a business process, after the user ID is transmitted in a string type by calling the intelligent contracts of a credit score mechanism, the credit score of the account can be inquired, and the corresponding interest policies are executed according to the string type result returned by inquiry, namely the interest policies corresponding to the credit score grades of the account are recorded.
The intelligent contract stores the rights and interests policies of developers, property companies, banks and corresponding merchants;
the behavior information comprises transaction reporting, performance and evaluation.
The credit score is obtained from the trading, performance and evaluation behaviors on the platform.
And the platform also comprises a right and interest mechanism, and merchants with different credit scores in the platform correspond to rights and penalties with different grades.
The registered users comprise developers and consumers, and the developers and the consumers have different initial credit scores.
And the reputation of the registered user is permanently stored in the regional chain.
The credit score mechanism is used for quantifying the behavior information of a transaction subject, including but not limited to consumers and developers, and score acquisition mainly comes from the behaviors of transaction, performance, evaluation and the like on a platform, and is more concise and clear compared with a score acquisition way which is fine and easy to understand in a traditional score system. The equity mechanism refers to that each merchant in the platform, including but not limited to developers, commercial banks and property companies designs equity or punishment with different grades around credit scores, stimulates users to perform positive action accumulation credit scores to enjoy equity, and avoids making negative actions to be deducted credit scores and suffering punishment.
According to the national supervision policy on Token, the credit score of the invention cannot be transferred between transaction subjects, only represents the credit of the transaction subjects and cannot be given to other people; and the credit score can only enjoy corresponding rights and interests in the platform, and can not flow out of the platform or can not be directly exchanged for the legal tender.
In actual implementation, the invention is divided into a credit division mechanism and a rights and interests mechanism, and the following first introduces a specific design of the credit division mechanism:
firstly, putting the credit score of each account into an intelligent contract for maintenance and storage; of course, the reputation score corresponding to each account is stored in a local database.
And secondly, increasing and decreasing the credit score are put into an intelligent contract. The credit score can be increased or decreased only by calling the contract instead of operating the data in the database, and the data in the database comes from the contract, so that the increase or decrease of the credit score is completely dependent on the behavior information of the user and can be tampered by no one, and the rule has public credibility and becomes just and transparent.
Thirdly, credit score increase and decrease operations are put in the contracts, and the entities having the authority to call the contracts can be determined by restricting msg.
Fourthly, the partial multiplication and division operation in the credit score increase and decrease rule is not put into the contract for operation because the decimal operation cannot be performed in the intelligent contract, which is why 1ETH is 1018The reason for wei. The division operation and the multiplication operation are separated, so that errors are reduced as much as possible.
Fifthly, mapping storage is used in the contract, one ID uses 18-bit identity card numbers or enterprise unified social credit codes and corresponds to one agent 256 (0-100000), and therefore contract resources are saved.
The following table shows credit score increase and decrease rules of the developer side and the consumer side.
Figure BDA0002290244720000051
Figure BDA0002290244720000061
Figure BDA0002290244720000062
Figure BDA0002290244720000071
The credit score increase and decrease are directly completed by an intelligent contract according to a preset rule without the items of multiplication and division calculation (a developer end, an adding item ⑦ and a deduction item ①②④⑥⑧, a consumer end, an adding item ③⑥ and a deduction item ②④⑤), the multiplication and division calculation is integrated in an interface class called in the background because the intelligent contract cannot process decimal, after the calculation is completed, data is returned in a double type, and the other interface addAndAdd SubForContract interacts with the intelligent contract to complete the final credit score increase and decrease.
The actual evaluation and the malicious evaluation refer to that within 15 days after one party makes an evaluation, if the evaluated party does not present a complaint to the arbitration mechanism or the complaint is rejected by the arbitration mechanism due to lack of evidence, the evaluation is the actual evaluation, and if the evaluated party presents the complaint to the arbitration mechanism and is supported by the arbitration mechanism, the evaluation is the malicious evaluation, and the credit score of the malicious evaluator is cancelled and deducted by the arbitration mechanism.
The evaluation of the consumer on the developer is divided into two items of service attitude and house source quality, wherein the minimum is 1 point and the maximum is 5 points; the evaluation of the developer to the consumers is divided into two items of 'consumer quality' and 'on-time conservation', the lowest is 1 point, and the highest is 5 points. The average score of the two items is less than or equal to 2 points, the two items are poor scores, and the credit is given; the average score is more than 2 and less than 4, the score is a medium score, and the credit score is unchanged; the average score is more than or equal to 4, which is good, and the credit score is increased.
The transaction time refers to key links such as collection, payment and signing of house property transactions, and the like, and is set to count down for 24 hours so as to restrict that transaction time is not too long due to delay caused by no reason between two parties of the transaction.
The specific design of the entitlement mechanism of the present invention is next presented.
And (3) credit score corresponding interest policy recommendation standard:
Figure BDA0002290244720000081
Figure BDA0002290244720000091
the equity policies related to the merchants mainly include project loan interest and individual loan interest discount (5-10%) of banks, house price discount (5-10%) of developers and property cost discount (5-10%) of property companies; the penalty policy is in the form of percentage for the first payment rate of the bank, the increase of the own fund rate of the project loan (by 20%), the increase of the project loan and the interest rate of the individual loan (by 10%). The merchant may make a 5 percentile self-adjustment on the suggested criteria.
The equity policies of each merchant are maintained and stored in the intelligent contracts, thus forming the equity mechanism. The interest mechanism can obtain the credit score of each account by calling a query contract (queryHonorByIdentity) in the credit score mechanism, so that the corresponding interest policy is automatically judged.

Claims (10)

1. A method for quantifying and exciting the credit of a commodity market trading main body based on a block chain intelligent contract is characterized by comprising the following steps: the method comprises the steps that 1) a certain initial credit score is given to an initial registered user by a platform and is stored in an intelligent contract; 2) Registering behavior information generated by a user on a commodity room development and transaction platform, calling a corresponding intelligent contract by a main account of the alliance link alliance, and increasing or decreasing credit scores of the user account according to a preset rule; 3) The intelligent contract stores the behavior information of the rights and interests policies of developers, property companies, banks and corresponding merchants, including transaction reporting, performance and evaluation.
2. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: the user can call the corresponding intelligent contract to inquire the account credit score of the user or other people.
3. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: the credit score is obtained from the trading, performance and evaluation behaviors on the platform.
4. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: and the platform also comprises a right and interest mechanism, and merchants with different credit scores in the platform correspond to rights and penalties with different grades.
5. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: the registered users comprise developers and consumers, and the developers and the consumers have different initial credit scores.
6. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: and the reputation of the registered user is permanently stored in the regional chain.
7. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: the user calls a Java external interface register user when registering the account, the background calls an intelligent contract function register user which is responsible for registering the account through a Java contract interface register, and transmits a user type (personal or enterprise) and a user ID (identity card number or enterprise unified social credit code) as parameters respectively by an int type and a string type, thereby generating and storing an account credit score in an intelligent contract.
8. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 2, wherein: the user can call the Java external interface search TheHoror to inquire the credit score of the account, the background can call an intelligent contract function queryHororByIdentity which is responsible for credit score inquiry through a Java contract interface search, and the user ID is used as a parameter and is transmitted in by string type, so that the credit score inquiry is completed.
9. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: after the user registers and generates an account, the alliance chain union main account can call a Java external interface addorSubTheHorn to increase and decrease the credit score of the account, a background can call an intelligent contract function addAndSubHorn which is in charge of the credit score increase and decrease operation through a Java contract interface addAndSubForContract, the user ID, the credit score increase and decrease state and the credit score increase and decrease score are used as parameters, and string types, int types and double types are respectively introduced to complete the increase and decrease of the credit score.
10. The method for credit quantification and incentive for a commodity market trading entity based on a blockchain intelligent contract according to claim 1, wherein: the interest policies of all merchants are maintained and stored in all intelligent contracts in a business process, after the user ID is transmitted in a string type by calling the intelligent contracts of a credit score mechanism, the credit score of the account can be inquired, and the corresponding interest policies are executed according to the string type result of the interest policies corresponding to the credit score grades of the account, which is returned by inquiry.
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