Disclosure of Invention
In order to solve the problems in the prior art, the invention aims to provide a reliable and effective trade integration method based on the block chain technology.
In order to achieve the above purpose, the present invention adopts the following scheme.
A trade point method based on block chain technology comprises the following steps:
docking a scoring system based on a block chain technology with a service system;
when a service is generated, the front-end processor of the service system server randomly generates a key pair, converts service data by using a private key of the key pair, and sends the key pair and a public key of the key pair to the front-end processor of the integral system server;
after receiving the service data, the front-end processor of the integral system decrypts the service data by using the received public key, compares the service data with a preset integral rule, and records the service data on a service block chain if a corresponding integral item is obtained by comparison; if the corresponding integral term is not obtained by comparison, no processing is carried out;
after monitoring that new service data exists on a service block chain, an integration module in the integration system compares the new service data according to a preset integration rule and records an integration corresponding to a user of the current service on the integration block chain corresponding to the service type; and simultaneously, triggering an integral cleaning module to clean the integral data set of the user corresponding to the current integral.
As a preferred embodiment, a scoring system based on a block chain technique is interfaced with a service system, wherein interface information includes:
service information acquired by the integrating system to the service system comprises service generation time, service generation type and service flow; and a process for the preparation of a coating,
the business system initiates a financial evaluation request to the point-scoring system, triggers the point-scoring system to evaluate the credit of the user, and obtains point information and credit evaluation result information of corresponding business.
Further, the business system adds a business integration rule to the integration system;
the business integral rule is transmitted between the business system server front-end processor and the integral system server front-end processor, is stored in an integral rule module to be checked of the integral system, and can be used as the integral rule after the check is passed.
As a preferred embodiment, there is further included,
and cleaning the integral information on the integral block chain in real time according to a certain rule, and calculating an effective integral value.
In particular, it comprises, in particular,
when a new integral record is written in the integral block chain, cleaning the integral currently written in the effective period of the corresponding user;
and processing the integrals in all the validity periods: positive integral = positive integral (sum of positive integral/sum of integral), negative integral = negative integral ((sum of integral + sum of negative integral)/sum of integral);
clearing the credit point data set of the current user, and recording the positive and negative points after being cleaned on the credit point data set, wherein the recording information comprises: user information, an integral value, positive/negative attributes, an integral type, an integral time and a validity period.
Preferably, the method further comprises the step of,
when a user of the business system needs to apply for financial service, the business system applies for the integration system to acquire user credit integration information;
after receiving the financial service application, the business system transmits the financial application information of the user to a front-end processor of the business system, wherein the financial application information comprises the name of a merchant, an application amount and application time;
after receiving the application data, the integrating system front-end processor decrypts the application data by using the received public key and records the application data on a financial service block chain;
and after monitoring the application information on the financial service block chain, the financial service module acquires the credit point record information of the current user from the credit point data set, and performs corresponding business processing according to the financial limit applied by the user and the currently available financial limit.
In particular, it comprises, in particular,
after monitoring the application information on the financial service block chain, the financial service module acquires all credit point record information of the current user from the credit point dataset: 1) finding out the fixed integral records in the validity period in the fixed integral, and counting the sum of the fixed integral; 2) finding out elastic integrals in a certain time, wherein the elastic integrals comprise trade service integrals and financial service integrals, and counting the sum of the trade integrals, the trade conversion coefficient and the sum of the financial integrals, and the financial conversion coefficient to obtain the sum of the elastic integrals; 3) counting the financial limit of the current user in progress on the financial service block chain to obtain the used financial limit, (sum of fixed points + sum of elastic points) — limit conversion coefficient-the used financial limit is equal to the currently usable financial limit;
if the financial limit applied by the user is smaller than the currently available financial limit, the user applies for success, the scoring system records the financial limit successfully applied by the user as a used limit on a financial service block chain, and the block chain main body comprises: application time, application amount and repayment time;
if the financial limit applied by the user is larger than the currently available financial limit, the user application fails, and the scoring system does not process the financial limit;
meanwhile, the financial service module transmits result information of success or failure of application to a front-end processor of the score system, the front-end processor of the score system transmits the application result information to a front-end processor of the service platform, and the service system carries out corresponding service processing after receiving the application result.
The trade point method based on the block chain technology can be automatically realized by adopting a computer program, so the invention also provides a computer readable storage device which stores the computer program, and the computer program is executed by a processor to realize the trade point method based on the block chain technology.
Meanwhile, the invention also provides a corresponding terminal and a corresponding system for realizing the trade integration method based on the block chain technology.
A trade scoring system based on block chain technology comprises,
the integral rule setting module is used for setting an integral rule based on various business scenes of trade, comprises a corresponding integral term and an integral value and is defined as a positive score or a negative score according to the business type;
the business module records each trade business based on the block chain technology to form a business block chain;
the integration module is used for converting the service information into service integration immediately according to an integration rule after monitoring that the service module has a new service record and recording the service integration on an integration block chain;
the financial service module is used for evaluating the financial service limit which can be applied by the merchant based on the merchant points of the trade record and the performance credit accumulated record;
integral cleaning module: and cleaning the integral information on the integral block chain in real time according to a certain rule, and calculating an effective integral value.
The invention has the beneficial effects that: the invention provides a block chain technology-based trade point method, which adopts the block chain technology to truly record the trade information of a merchant, can prevent trade records from being tampered, and simultaneously converts the trade credit degree of the merchant into an unchangeable trade point value, so that the point of the merchant is more authentic and reliable.
Detailed Description
The present invention will be further described with reference to the following examples for facilitating understanding of those skilled in the art, and the description of the embodiments is not intended to limit the present invention.
The embodiment of the invention provides a trade integration method and an integration system based on a block chain technology.
The integral system based on the block chain technology comprises:
1. an integration rule setting module: and setting corresponding integral terms and integral values based on various business scenes of trade, wherein the integral terms and the integral values comprise qualification certification accumulated integral, uploading bill accumulated integral, performing accumulated integral, default deduction integral and the like, and the integral terms and the integral values are defined as positive scores or negative scores according to the types of operation businesses.
In this embodiment, the integration includes: credit points and operation points, wherein the credit points are points which can be used for financial service credit assessment, such as operations of merchant authentication enterprises or performance payment of goods and the like; the operation points are points which cannot be used for financial service reputation assessment, such as operations of account login or bill uploading of a merchant and the like. Both reputation points and operational points can be used for mall consumption.
The credit integration can be divided into fixed integration and elastic integration. If the merchant authenticates the enterprise or the current purchased member type, the obtained points are fixed points of credit points, and can be directly added into the evaluation points when credit evaluation is carried out; if the merchant performs the contract and pays the money as the elastic point, the elastic point is calculated according to a certain rule and then added into the evaluation score. For example, find out the elastic integral in a certain time, count the sum of trade integral, trade conversion coefficient + sum of financial integral, financial conversion coefficient, get the sum of elastic integral.
The elastic points can include trade points and financial points. The trade points are records generated by trade of a merchant, and the financial points are records generated in the process of financial service of the merchant. Both include positive points (performing) and negative points (default).
2. A service module: and recording each trade of the merchant by applying the block chain technology. Each time of trade record of a merchant is recorded on one block to form a service block chain; the block main body includes: the information of the trade company, the trade time, the trade object, the business item and the like.
3. An integration module: after the integral module monitors that the service module has a new service record, the integral module immediately converts the service information into a service integral according to an integral rule and records the service integral on an integral block chain, wherein the integral block chain main body comprises: the accumulated items, the accumulated value, the accumulated effective period and other information, for example, if the trader purchases a gold member of one year, 100 accumulated points of the effective period of one year are obtained.
4. The financial service module: and evaluating the financial service amount which can be applied by the merchant based on the merchant points of the trade record and the accumulated record of the performance credit degree.
5. Integral cleaning module: and cleaning the integral information on the current enterprise integral block chain in real time according to a certain rule, and calculating an effective integral value.
In an embodiment of the present invention, a specific operation of a trade scoring method based on a block chain technique includes:
the integrating system based on the block chain technology is butted with a service system platform, and interface information comprises:
1) the business information acquired from the business system by the integrating system comprises: time of occurrence of a service, type of occurrence of a service, service flow, etc.;
2) the business system initiates a financial evaluation request to the point-scoring system, triggers the point-scoring system to evaluate the credit of the user, and obtains point information and credit evaluation result information of corresponding business.
And the service platform server is provided with a front-end processor which is butted with the scoring system server and is used for converting interface data and transmitting the data to the scoring system server.
The scoring system server is also provided with a front-end processor for filtering and converting data.
After a business occurs at a business platform end, firstly, data is transmitted to a front-end processor on a business platform server through the business platform server, the front-end processor randomly generates a secret key pair (a public key and a private key), the front-end processor converts the data transmitted by the business platform server by using the private key, and packs the data together with the public key and transmits the data to the front-end processor of a scoring system server, after receiving the business data, the scoring system front-end processor decrypts the business data by using the received public key and compares the business data with a scoring rule preset by a scoring system, if the corresponding scoring item is obtained by comparison, the business data is stored in a business module of the scoring system, namely: recording the data on a service block chain; if the corresponding integral term is not obtained by comparison, no processing is carried out.
And after the integral module monitors that new service data exists on the service block chain, the integral module compares the new service data according to an integral rule preset by an integral system, records the integral corresponding to the current service client corresponding to the service type and records the integral on the integral block chain. And simultaneously triggering an integral cleaning module to clean the integral data set of the user corresponding to the current integral.
In addition, preconditions: all the business items transmitted to the scoring system by the business platform can add business scoring rules to the scoring system by the business platform, and the business scoring rules are stored in a scoring rule module to be checked of the scoring system through transmission between a front-end processor of a business platform server and a front-end processor of a scoring system server, and can participate in business scoring evaluation after being adjusted and checked by a manager of the scoring system.
And the integral cleaning module cleans the integral information on the current enterprise integral block chain in real time according to a certain rule and calculates an effective integral value. The method specifically comprises the following steps:
when a new point record is written in the point block chain, the points in the valid period of the enterprise corresponding to the current written points are cleaned, and the following processing is carried out on all the points in the valid period: positive integral = positive integral (sum of positive integral/sum of integral), negative integral = negative integral ((sum of integral + sum of negative integral)/sum of integral); firstly, clearing a current enterprise credit point data set, and then recording positive and negative points after cleaning on the credit point data set, wherein the recording information comprises: enterprise information, score, positive/negative attributes, point classification (operation points, fixed points, elastic points), point time, and validity period.
The point cleaning is to encourage enterprise users to actively execute the performance trade business to obtain more bonus points, and avoid the default deduction condition as much as possible, thereby improving the integral credit degree of the enterprise users.
In the embodiment of the invention, another application scenario is also provided. When a user of the service platform needs to apply for financial service, the service platform can apply for obtaining credit point information of the user from the credit point system. After a user initiates a financial application, the service platform transmits financial application information of the user to a service platform front-end processor, wherein the financial application information comprises information such as a trade name, an application amount, application time and the like, the service platform front-end processor randomly generates a key pair (a public key and a private key) after receiving the financial service application information, the front-end processor converts data transmitted by a service platform server by using the private key, packs the data together with the public key and transmits the data to the front-end processor of the scoring system server, and after receiving service data, the scoring system front-end processor decrypts the application data by using the received public key and records the application data on a financial service block chain.
After monitoring the application information on the financial service block chain, the financial service module acquires all credit point record information of the current merchant from the credit point dataset, 1) finds out the fixed point record in the fixed points in the validity period, counts the sum of the fixed points, 2) finding out the elastic points in one year (the time can be adjusted according to the service type), counting the sum of the trade points, the trade conversion coefficient (can be adjusted according to the service type), the sum of the financial points and the financial conversion coefficient (can be adjusted according to the service type) to obtain the sum of the elastic points, 3) the financial limit currently in progress by the merchant in the financial service block chain is counted (the financial limit with payment completed is not recorded in the financial service block chain), and the used financial limit (the sum of the fixed points and the sum of the flexible points) is obtained, wherein the conversion coefficient of the limit (which can be adjusted according to the business type) is obtained, and the used financial limit is equal to the currently available financial limit.
If the financial limit applied by the merchant is smaller than the currently available financial limit, the merchant applies for success, the scoring system records the financial limit applied by the merchant as a used limit on the financial service block chain, and the block chain main body comprises: application time, application amount, repayment time and the like.
If the financial limit applied by the merchant is larger than the currently available financial limit, the merchant fails to apply and the scoring system does not process the financial limit.
Meanwhile, the financial service module transmits result information of success or failure of application to a front-end processor of the scoring system, the front-end processor of the scoring system transmits the application result information to a front-end processor of the service platform, and the service platform performs corresponding service processing after receiving the application result.
According to the block chain technology-based trade point method and the point system thereof, the block chain technology is adopted to record the trade information of the trader really, so that the trade record can be prevented from being tampered, and meanwhile, the trade credibility of the trader is converted into an unchangeable trade point value, so that the point of the trader is more real and reliable. Moreover, when the merchant applies for other services, such as financial services, the positive incentive of credit-credit as a whole can be realized by determining whether to provide the merchant with further services based on the recorded credit as a credit reference value of the merchant.
It should be noted that, as will be understood by those skilled in the art: all or part of the steps for implementing the method can be implemented by hardware related to program instructions, the program instructions can be stored in a computer readable storage medium or storage device, and when executed, the program instructions execute the steps of the trade point method based on the block chain technology; and the aforementioned storage media or storage devices include, but are not limited to: various media that can store program codes, such as ROM, RAM, magnetic or optical disks.
Accordingly, the embodiment of the present invention also provides a computer-readable storage device, which stores a computer program, wherein the computer program is executed by a processor to implement the trade point method based on the block chain technology.
Further, the present invention also provides a corresponding mobile terminal and system to implement the above trade point method based on the block chain technology, specifically:
a mobile terminal, comprising:
a processor adapted to execute program instructions;
a storage device adapted to store program instructions adapted to be loaded and executed by a processor to implement the above-described trade point method based on block chain techniques.
A trade scoring system based on block chain technology comprises a server; the server comprises a processor and a storage device;
a processor adapted to execute program instructions;
a storage device adapted to store program instructions adapted to be loaded and executed by a processor to implement the above-described trade point method based on block chain techniques.
The above description is only a preferred embodiment of the present invention, and for those skilled in the art, the present invention should not be limited by the description of the present invention, which should be interpreted as a limitation.