CN110033263A - The acquisition of user characteristics value, application method and device based on block chain - Google Patents
The acquisition of user characteristics value, application method and device based on block chain Download PDFInfo
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- CN110033263A CN110033263A CN201910030277.1A CN201910030277A CN110033263A CN 110033263 A CN110033263 A CN 110033263A CN 201910030277 A CN201910030277 A CN 201910030277A CN 110033263 A CN110033263 A CN 110033263A
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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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3825—Use of electronic signatures
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
One or more embodiments of this specification provide the acquisition of the user characteristics value based on block chain, application method and device, the block chain includes multiple business conduct data provider nodes equipment, the preparation method to user characteristics value includes: the target transaction for obtaining business conduct data provider nodes equipment and sending, and the target transaction includes the business conduct data that target user generates；The first intelligent contract is called, the calculating logic to user characteristics value of the described first intelligent contract statement is executed, the characteristic value for obtaining the target user is calculated based on the business conduct data that the target user generates.
Description
Technical field
This specification is related to technical field of data processing, more particularly to the user characteristics value based on block chain obtains, application
Method and apparatus.
Background technique
Block chain technology is also referred to as distributed account book technology, is that one kind is participated in " remembering jointly by several calculating equipment
Account ", the emerging technology of common a complete distributed data base of maintenance.Since block chain technology has decentralization, openly
Transparent, every calculating equipment can participate in data-base recording and respectively calculate that data synchronization can be rapidly performed by between equipment
Characteristic so that block chain technology is widely applied in numerous fields.
Summary of the invention
It obtains, answer in view of this, this specification one or more embodiment provides the user characteristics value based on block chain
With method and device, computer equipment.
To achieve the above object, it is as follows to provide technical solution for this specification one or more embodiment:
According to this specification one or more embodiment in a first aspect, proposing a kind of user characteristics based on block chain
It is worth preparation method, the block chain includes multiple business conduct data provider nodes equipment, which comprises
The target transaction that business conduct data provider nodes equipment is sent is obtained, the target transaction includes target user
The business conduct data of generation；
The first intelligent contract is called, the calculating logic to user characteristics value of the described first intelligent contract statement, base are executed
The characteristic value for obtaining the target user is calculated in the business conduct data that the target user generates.
According to the second aspect of this specification one or more embodiment, a kind of user characteristics based on block chain are proposed
The application method of value, applied to application side's node device included by block chain, which comprises
Application side's node device obtains the described first intelligent contract meter from the distributed data base of the block chain
Calculate the characteristic value of the resulting target user；
Based on the characteristic value of the target user, the application processing logic to the characteristic value of the target user is executed.
According to the third aspect of this specification one or more embodiment, a kind of user characteristics based on block chain are proposed
Value obtains device, and the block chain includes multiple business conduct data provider nodes equipment, and described device includes:
Acquiring unit, for obtaining the target transaction of business conduct data provider nodes equipment transmission, the target is handed over
The business conduct data easily generated including target user；
Execution unit, for calling the first intelligent contract, execute the described first intelligent contract statement to user characteristics value
Calculating logic, the characteristic value for obtaining the target user is calculated based on the business conduct data that the target user generates.
According to the fourth aspect of this specification one or more embodiment, a kind of user characteristics based on block chain are proposed
The application apparatus of value includes: applied to application side's node device, described device included by block chain
Acquiring unit calculates gained for obtaining the described first intelligent contract from the distributed data base of the block chain
The target user characteristic value；
Execution unit executes answering to the characteristic value of the target user for the characteristic value based on the target user
With processing logic.
According to the 5th of this specification one or more embodiment the aspect, a kind of computer equipment is proposed, comprising: storage
Device and processor；The computer program that can be run by processor is stored on the memory；The processor runs the meter
When calculation machine program, the preparation method of the above-mentioned user characteristics value based on block chain is executed.
According to the 6th of this specification one or more embodiment the aspect, a kind of computer equipment is proposed, comprising: storage
Device and processor；The computer program that can be run by processor is stored on the memory；The processor runs the meter
When calculation machine program, the application method of the above-mentioned user characteristics value based on block chain is executed.
By above technical scheme as it can be seen that the user characteristics value preparation method and dress based on block chain that this specification provides
It sets, using the intelligent contract disposed on block chain, the target transaction of included business conduct data relevant to user characteristics value
Calling and execute the calculating to the user characteristics value automatically, to obtain corresponding user characteristics value.The common recognition mechanism of block chain
It ensure that the authenticity and tamper-resistance properties for calculating the customer service behavioral data that user characteristics value is based on；Relative to centralization
User characteristics value calculates, the calculating process independently executed by intelligent contract, ensure that the fair and just of user characteristics value calculating
Property, and since intelligent contract can be called at any time, improve the efficiency for obtaining user characteristics value.
After intelligent contract executes the calculating logic to user characteristics value, calculated result, that is, user characteristics value can be issued
In the distributed data base of block chain.Correspondingly, being obtained according to the user characteristics value provided by this specification based on block chain
Method and the user characteristics value obtained fair and justly are based on user characteristics value expansion application for related service mechanism and provide
The data of objective justice support, effectively prevent the business conduct data generated between each operational agency due to user of its record
One-sidedness and the business barrier that generates.
Detailed description of the invention
Fig. 1 is the stream of the user characteristics value-acquiring method based on block chain shown in an embodiment provided by this specification
Journey schematic diagram；
Fig. 2 is the stream of the user characteristics value application method based on block chain shown in an embodiment provided by this specification
Journey schematic diagram；
Fig. 3 is that the user health integral shown in an embodiment provided by this specification based on block chain is obtained and applied
Method schematic diagram；
Fig. 4 is the user characteristics value acquisition device based on block chain that an embodiment provided by this specification provides
Schematic diagram；
Fig. 5 is the user characteristics value application apparatus based on block chain that an embodiment provided by this specification provides
Schematic diagram；
Fig. 6 is the acquisition of user characteristics value or the application apparatus embodiment run provided by this specification based on block chain
A kind of hardware structure diagram.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.Following exemplary embodiment
Described in embodiment do not represent all embodiments consistent with this specification one or more embodiment.Phase
Instead, they are only some aspects phases with the one or more embodiments of as detailed in the attached claim, this specification
The example of consistent device and method.
It should be understood that the sequence that might not show and describe according to this specification in other embodiments executes
The step of correlation method.In some other embodiments, step included by method can than described in this specification more
It is more or less.In addition, single step described in this specification, may be broken down into other embodiments multiple steps into
Row description；And multiple steps described in this specification, it may also be merged into single step progress in other embodiments
Description.
User characteristics value described in this specification refers to institute body of the characterization user's individual in terms of certain specified business scope
The ability or degree value revealed, such as to be user keep one's word journey user credit value in the individual that financial related service field is embodied
Angle value.As each mechanism, society is to the credit feature value (showing as various credit scores, credit score etc.) for being directed to user's individual
Reference and the scope of application gradually extend, the personal feature value that user's individual is embodied in terms of other in addition to credit
Also the gradually favor by novel business model.For example, to the health characteristics value for embodying user's body health status degree, it can
It is applied by the operational agency using user's body health as considerations；To embody the IQ feature of user's mental state
Value can be applied using the operational agency of user intelligence height as considerations；There are also to embody user's feeling quotrient or psychology
The user characteristics values such as the feeling quotrient value of health status, mental health value.
The acquisition of above-mentioned user characteristics value usually carries out the marking evaluation of user characteristics value by one or several adjudication organization,
Assessment rules and evaluation process are usually underground, it is difficult to guarantee the reasonability of the computation rule of user characteristics value, it is more difficult to protect
Demonstrate,prove the fair and just property of calculating process.
In view of the state of the art set forth above and problem, Fig. 1 is based on shown in an embodiment provided by this specification
The flow diagram of the user characteristics value-acquiring method of block chain, the block chain include multiple business conduct data providing sections
Point device.
Business conduct data providing described in the present embodiment is used to provide user's business conduct data of generation, to be
It calculates user characteristics value and calculating basis is provided.For example, above-mentioned business conduct data mention when user characteristics value is user credit value
Supplier may include providing user to borrow or lend money the bank of repaying behavioral data or the industry of financial institution, offer subscriber payment behavioral data
Business paying platform, the consumption platform for providing consumer consumption behavior data etc., are based on to provide calculating for user credit value
Business conduct basis；When user characteristics value is that user health integrates, above-mentioned business conduct data providing may include mentioning
For the medical treatment & health mechanism of user's medical treatment or physical examination record, provide the insured medical treatment & health allied line behavioral data of user
Insurance institution or the user Claims Resolution mechanism etc. for settling a claim behavioral data is provided, or even may also include and can monitor user health behavior
The acquisition equipment of for example daily step number of parameter, milimeter number of running.
Block chain described in the present embodiment, specifically can refer to it is that each node is reached by common recognition mechanism, have distribution
The P2P network system of data store organisation, data distribution in the block chain " block one by one connected in time
(block) " within, latter block includes the data summarization of previous block, and according to specific common recognition mechanism (such as POW, POS,
DPOS or PBFT etc.) difference, reach the data full backup of all or part of node.Those skilled in the art is known, due to
Block catenary system is run under corresponding common recognition mechanism, has been included to the data in block chain database and has been difficult to be usurped by arbitrary node
Change, for example, by using the block chain of Pow common recognition, the attack at least needing the whole network 51% to calculate power is possible to distort data with existing, because
This block catenary system have other centralization Database Systems it is incomparable guarantee data security, the spy that attack protection is distorted
Property.It follows that in the embodiment provided by this specification, it is included data into the distributed data base of block chain not
It can be attacked or be distorted, so that the business conduct data that ensure that above-mentioned business conduct data providing provides will not be provided to
It is tampered after the distributed data base of block chain, and then guarantees to calculate the fairness of user characteristics value.
Business conduct data provider nodes equipment described in the present embodiment, can be by following respective nodes agreement, operation
The block chain is added in the installation of node protocol program, node as the block chain.Those skilled in the art usually will tool
There is the node device of the data full backup of block chain distributed data base to be known as full node, there will be block chain distributed data base
The node devices of the incremental backup data data of block head (such as only have) be known as light node or client；In the present embodiment
The business conduct data provider nodes equipment may include above-mentioned full node, light node or client, if directly or
Any equipment for being connected into above-mentioned block chain and the data of distributed data base that is transmittable or obtaining block chain indirectly can be described as
Node device described in the present embodiment.
As shown in Figure 1, the above-mentioned user characteristics value-acquiring method based on block chain is applied to the node in above-mentioned block chain
Equipment, comprising:
Step 102, the target transaction that business conduct data provider nodes equipment is sent is obtained, the target transaction includes
The business conduct data that target user generates.
Transaction (transaction) described in this specification, refers to that each side user is set by the node of block chain
Standby end creation, and a data for needing finally to be distributed in the distributed data base of block chain.Wherein, the friendship in block chain
Easily, there are points of the transaction of narrow sense and the transaction of broad sense.The transaction of narrow sense refers to the value that user issues to block chain
Transfer；For example, transaction can be one that user initiates in block chain and transfer accounts in traditional bit coin block chain network.
And the transaction of broad sense refers to the business datum being intended to business that user issues to block chain；For example, transaction can be
The business unrelated with value Transfer, with business intention that user issues in block chain is (for example, business of renting a house, vehicle
Scheduling business, settlement of insurance claim business, credit services, medical services etc.) message or service request.Mesh described in the present embodiment
Mark transaction, refers to that a business datum of the business conduct data including target user, this business datum can be called accordingly
Intelligent contract executes the calculating to the characteristic value of target user with the business conduct data based on above-mentioned target user.
The business conduct data of above-mentioned target user, and to call the calling letter for calculating the intelligent contract of user characteristics value
Data are ceased, target transaction can be packaged into according to preset transaction format, then be uploaded to block chain.
Since the business conduct data of above-mentioned target user generally include the privacy information of target user, as health and fitness information,
Or financial information etc., to prevent the privacy information of target user from unexpected leakage or misuse, above-mentioned preset transaction format occurs
In, it could dictate that the business conduct data by the target user that above-mentioned target transaction is included are encrypted, to reduce
The leakage hidden danger of the customer service behavioral data backed up in the distributed data base of block chain.
In the another embodiment shown, the business conduct data to guarantee that above-mentioned target user generates are by corresponding
Provided by business conduct data providing, rather than the malice forgery or counterfeit of other node devices, in above-mentioned preset transaction lattice
In formula, above-mentioned target transaction further includes that the business conduct data provider nodes equipment is at least based on target user's generation
Business conduct data made by electronic signature.Based on the sign test to above-mentioned electronic signature, that is, it can verify that above-mentioned target transaction
Whether initiator is legal business conduct data provider nodes equipment.
The target transaction is uploaded to described in above-described embodiment detailed in the distributed data base of the block chain
Process, can according to the block chain common recognition mechanism and trading rules and specifically set.It, will be described in the embodiment shown in one
Target transaction uploads in the distributed data base of the block chain, comprising:
There is the node device of book keeping operation permission the target transaction is added to candidate block in the block chain；
The common recognition book keeping operation section for meeting the block chain common recognition mechanism is determined from the node device with book keeping operation permission
Point device；
The common recognition accounting nodes broadcast the candidate block to the node device of the block chain；
After meeting the verifying approval of the node device of preset quantity by the block chain in the candidate block, the time
Constituency block is considered as newest block, is added in the distributed data base of the block chain.
In the above-described embodiment, the node device with book keeping operation permission refers to the node for generating candidate block permission
Equipment.According to the common recognition mechanism of the block chain, can be determined altogether from the node device that the candidate block has book keeping operation permission
Memorize account node device, above-mentioned common recognition mechanism may include proof of work mechanism (PoW) or right prove mechanism (PoS) or
Share authorisation verification mechanism (DPoS) etc..
PoS or DPoS common recognition mechanism is similar with PoW, and it is normal to belong to confirmation common recognition accounting nodes equipment institute in publicly-owned block chain
The common recognition algorithm of selection.In the another embodiment shown, handle up to reduce the acknowledging time of transaction or data, improving transaction
Amount meets the needs of to safety and performance, and alliance's chain framework can be selected also to construct the area in embodiment provided by this specification
Block chain.Above-mentioned business conduct data provider nodes equipment and the relevant supervisory organ of business can be used as the pre-selection of alliance's chain
Node device participates in the book keeping operation of block.The common recognition process of alliance's chain is also controlled by the node device of the pre-selection, super when having on network
The node device for crossing setting ratio (such as 2/3) confirms a block, and the transaction of block record or data will obtain the whole network confirmation.
Alliance's chain usually mostly uses the common recognition algorithm such as equity proof or PBFT, RAFT.When realizing, in each of block chain
Before wheel common recognition starts, a host node device, i.e. above-described embodiment can be elected in each node device in block chain
The common recognition accounting nodes (for example, each round common recognition all re-elects out a host node device, other node devices be used as from
Node device), from host node device further to the verifying and common recognition for initiating transaction, and it is responsible for the number of deals passed through based on common recognition
It is the newest block of block chain creation according to (or target data).
PBFT algorithm as alliance's chain provided by this specification common recognition algorithm a kind of preferred embodiment, be by
It is high-efficient in being known together using this kind of algorithm, can meet the needs of high frequency trading volume, such as business conduct number in the present embodiment
Business conduct data according to provider's node device based on the different user for frequently accepting or generating and generate corresponding target and hand over
Easily；And the time delay of common recognition is very low, basically reaches the requirement handled in real time, can quickly receive in the newborn block of block chain in real time
Record above-mentioned target transaction；Moreover, using trusted node in alliance's chain network as the accounting nodes of pre-selection, safety and steady has been taken into account
It is qualitative；In addition, will not consume excessive computer using PBFT algorithm calculates power resource, also it is not necessarily required to that token circulates, therefore
With good workability.
Step 104, the first intelligent contract is called, the calculating to user characteristics value of the described first intelligent contract statement is executed
Logic calculates the characteristic value for obtaining the target user based on the business conduct data that the target user generates.
Intelligent contract be usually it is compiled after be deployed in computer executable program on block chain.Intelligent contract is in quilt
It needs to verify by the common recognition of block chain node before block chain in deployment.In the present embodiment, statement has to the user characteristics value
Calculating logic the first intelligent contract, can be included by the common recognition authentication of block chain node to the distributed number of block chain
According to library, the calculating acquisition process for verifying above-mentioned user characteristics value is supervised jointly by the common recognition node on block chain.
The node device of block chain is after obtaining above-mentioned target transaction, the first pointed intelligent contract of invocation target transaction
(the intelligent contract address and function interface for including based on the first transaction are called), the node device in block chain can be based on upper
Target transaction is stated to the calling of the first intelligent contract, executes the calculating to user characteristics value, and generate call it is executing as a result,
The business conduct data for the target user for being included based on above-mentioned target transaction calculated target user characteristic value.This
The technical staff in field is, it should be understood that when the above-mentioned result (feature of i.e. above-mentioned target user that first intelligent contract is called and executed
Value) after the verifying of the common recognition of block chain node, the result executed is included into the distributed data base of block chain, for
Deposit card.
This specification does not limit the specific calculating logic to user characteristics value that the above-mentioned first intelligent contract is stated,
Either after the customer service behavioral data (or target transaction) for the predetermined number or type for obtaining target user, then hold
Calculating of the row to the characteristic value of target user；It is also possible to constantly upload mesh with business conduct data provider nodes equipment
Mark transaction, the customer service behavioral data (or target transaction) for meeting preset format constantly got, thus constantly more
The characteristic value of new above-mentioned target user, i.e. the streaming computing logic based on STORM；It can also include that other kinds of calculating is patrolled
Volume.
Those skilled in the art is it is found that the above-mentioned streaming computing logic based on STORM can quickly and accurately handle number
According to information flow, so that the calculating for user characteristics value provides efficiently settling mode.Any node equipment can base in block chain
Frequency is generated in the new block that the common recognition mechanism of above-mentioned block chain is determined, new block is synchronized and obtains above-mentioned target transaction.By
Above embodiments it is found that based on alliance's chain the block chain of framework, usually there is high trading processing handling capacity and almost real-time
Data cochain timeliness, further improve the efficiency that user characteristics value is calculated based on above-mentioned target transaction.
In the another embodiment shown, when the business conduct data of target user included in target transaction are added
When close, the above-mentioned first intelligent contract should also be stated that the decryption logic to the business conduct data, to decrypt described added
Close business conduct data, so that the plaintext based on the business conduct data calculates the characteristic value of the target user.First
The deployment side of intelligent contract and relevant business conduct data providing can arrange encryption and manner of decryption in advance, so that business row
It is data provider nodes equipment before sending target transaction, it can be according to the cipher mode of agreement by above-mentioned target user's
Business conduct data encryption.
It, can be complete by the node device of block chain based on above-mentioned target transaction to the calling and execution of the first intelligent contract
The characteristic value for obtaining above-mentioned target user is calculated at the business conduct data based on above-mentioned target user.Intelligent contract can be any
When relative users call request (without in traditional mode waiting, subscriber characteristic value evaluation marking mechanism work
Time), greatly improve the efficiency of user characteristics value calculation processing.Moreover, because the logic clause of intelligent contract is by area
The common recognition verifying of block chain node can not distort, and implementing result is just visual, avoids the use being likely to occur in traditional mode
The drawbacks such as family characteristic value calculated result inequity, inaccuracy, and the just of Claims Resolution result is supervised or arbitrated without centralization authority
Property.Further, the first intelligent contract is called by target transaction and executes the calculating to user characteristics value automatically, greatly reduced
The manpower and time cost expended needed for the business conduct data of target user is collected under traditional mode, and there is extraordinary warp
Ji property.
Correspondingly, in the feature for acquiring target user using the preparation method as described in above-mentioned one or more embodiments
After value, application of the user characteristics value expansion of card to the user characteristics value can be deposited in the distributed data base based on block chain.
The process that Fig. 2 illustrates the user characteristics value application method based on block chain of one embodiment of this specification offer is shown
It is intended to, applied in block catenary system described in the above-mentioned user characteristics value-acquiring method embodiment based on block chain, the block
Chain includes application side's node device to above-mentioned user characteristics value, to execute after getting above-mentioned user characteristics value to user spy
The application logic of value indicative.
Similar, application side's node device described in the present embodiment can be by following respective nodes agreement, operation node association
The block chain is added in the installation of agenda sequence, node as the block chain.Those skilled in the art will usually have block
The node device of the data full backup of chain distributed data base is known as full node, by the part with block chain distributed data base
The node device of Backup Data (data for such as only having block head) is known as light node or client；Described in the present embodiment
May include above-mentioned full node, light node or client using square node device, if be directly or indirectly connected into above-mentioned block chain,
And any equipment of the data of distributed data base that is transmittable or obtaining block chain can be described as node described in the present embodiment
Equipment.
Those skilled in the art is it is found that carry out demand based on specific business, using square node device and above-mentioned business
Behavioral data provider's node device can be identical node device, be also possible to different node devices.
Step 202, application side's node device obtains first intelligence from the distributed data base of the block chain
Energy contract calculates the characteristic value of the resulting target user.
Those skilled in the art is, it should be understood that execution knot of the above-mentioned first intelligent contract after the calling of above-mentioned target transaction
Fruit --- the i.e. characteristic value of target user can be included after the verifying of the common recognition of block chain node device in the distribution of block chain
In database.It is similar specifically to include the process that process and above-mentioned target transaction are included in the distributed data base of block chain,
It include calling of the block chain node device to the first intelligent contract in the verification step to the characteristic value of the target user
It executes, whether the characteristic value to verify above-mentioned target user is correct and reaches common understanding, and details are not described herein for detailed process.
Step 204, the characteristic value based on the target user is executed and is handled the application of the characteristic value of the target user
Logic.
After the characteristic value for getting above-mentioned target user, using the executable feature to the target user of square node device
The application processing logic of value.Above-mentioned application processing logic can be the application processing logic for being deployed in application side's node device itself
Program is also possible to be deployed in the another intelligent contract of above-mentioned block chain --- the application processing logic journey in the second intelligent contract
Sequence is not construed as limiting in the present specification.
It is worth noting that, being patrolled by what the above-mentioned second intelligent contract was stated using processing when above-mentioned application handles logic
Volume when, should also include calling above-mentioned the based on resulting user characteristics value is calculated in the logical code of above-mentioned first intelligent contract
The logical code (interface and correlation function as included the second intelligent contract) of two intelligent contracts.Utilize holding for the first intelligent contract
The second intelligent contract is called in the linkage of row result, takes full advantage of the advantage of intelligent contract, more increases and answer user characteristics value
Treatment effeciency and fair and just property.
As can be seen above, above-mentioned application processing logic is provided based on multiple business conduct data provider nodes equipment
User business conduct data and the user characteristics value that generates and carry out, effectively prevent certain operational agencies and rely solely on
The business conduct data of self record and pass a judgement deviation to performance of the user in terms of the business conduct, effectively prevent industry
The generation of business barrier.Above-mentioned application processing logic may include utilizing user credit characteristic value examination & approval loan limit or loan benefit
Rate is insured using the specific business cash pledge amount of user credit characteristic value decision or using user health characteristic value designing user
Premium amount or other schemes, etc. of insuring, with the gradually extension of user characteristics value scope, to the application of user characteristics value
Mode and content also can be more and more extensive, are not construed as limiting in the present specification.
Hereinafter, illustrating pair that this specification provides by taking the user health for the health states for characterizing user integral as an example
The acquisition of user characteristics value and application method.Above-mentioned user characteristics value can specifically show as user health integral or user health
Credit value etc..
As shown in figure 3, business conduct data provider nodes equipment described in the present embodiment includes: health service side
Equipment --- such as the device end of hospital or health service mechanism, insurance service method, apparatus --- such as insurance service platform or insurance
The device end of company, Claims Resolution service method, apparatus --- as the device end and user health behavioral parameters of insurance company acquire
Equipment --- such as to one of wearable device equipment for monitoring user's walking or run stroke or speed or a variety of；It is described
Application side's node device to user characteristics value may include insurance service method, apparatus --- such as the device end of insurance company.
Correspondingly, the above-mentioned available business conduct data of each business conduct data provider nodes equipment may include:
The medical treatment of target user or health consultation record, physical examination report, the declaration form record that target user is insured, target user's
Settlement of insurance claim record, daily exercise data of target user etc..Above-mentioned each business conduct data provider nodes equipment is by target
User is sent on block chain deposit card and call and be deployed on above-mentioned block chain in the business conduct data that mechanism generates
Health service intelligence contract, to execute the calculating logic to user health integral of health service intelligence contract statement.
Specifically, above-mentioned each business conduct data provider nodes equipment can be with the portion of above-mentioned health service intelligence contract
Management side make an appointment the processing of above-mentioned health service intelligence contract business conduct data data content format and execution API letter
Number, to facilitate the calling to intelligent contract.
The target that above-mentioned health service intelligence contract can be sent by above-mentioned each business conduct data provider nodes equipment
Transaction, which is called, to be executed, and is passed through the common recognition for the common recognition mechanism for meeting the block chain and met the block chain and execute knot to intelligent contract
After the verifying of the proof rule of fruit, the health integral of above-mentioned target user can be backed up in the distributed data base of the block chain
In.
Due to target user business conduct data can continuously or property generation, such as target user can between
Or property generates record of seeing a doctor, Claims Resolution record, can also periodically generate daily motion information, therefore above-mentioned health service intelligence
That is disposed in contract can be deployed as the streaming computing logic based on STROM to the calculating logic of user health integral, from
And the business conduct data of streaming can be quickly handled, and be constantly be generated target user in the distributed data base of block chain
New health integral.
May include insurance service method, apparatus to application side's node device of user characteristics value described in the present embodiment --- such as
The device end of insurance company；It may include to mesh to the application processing logic of user characteristics value using performed by square node device
The acquisition inquiry of the health integral of user is marked, or the health integral based on target user carries out the system of the insurance scheme of target user
Fixed (customization including insuring premium), etc..
The each company of insurance industry safeguards the declaration form of oneself at present, and the declaration form of client is caused to form letter in every insurance company
Isolated island is ceased, insurance company has very big support risk when assessing customer risk and health condition.What this specification provided
Technical solution, by credibility using block chain, can not tamper, publicity can greatly solve between insurance company
Information barrier problem, the health integral by calculating user for insurance industry provides the guarantee health reference body of a client
System realizes under the premise of ensureing customer privacy and ensures the open and clear of information.
Corresponding with the realization of above-mentioned process, the embodiment of this specification additionally provides the acquisition of the user characteristics value based on block chain
Device 40 and user characteristics value application apparatus 50 based on block chain.The device 40 or 50 can be by software realization, can also be with
It is realized by way of hardware or software and hardware combining.It taking software implementation as an example, is to pass through institute as the device on logical meaning
Corresponding computer program instructions are read into memory in the CPU (Central Process Unit, central processing unit) of equipment
What middle operation was formed.For hardware view, other than CPU shown in fig. 6, memory and memory, network risks business
Realization device where equipment also typically include other hardware such as the chip for carrying out wireless signal transmitting-receiving, and/or be used for
Realize other hardware such as the board of network communicating function.
Fig. 4 show a kind of user characteristics value acquisition device 40 based on block chain, and the block chain includes multiple business
Behavioral data provider's node device, described device 40 include:
Acquiring unit 402, for obtaining the target transaction of business conduct data provider nodes equipment transmission, the target
Transaction includes the business conduct data that target user generates；
Execution unit 404, for calling the first intelligent contract, execute the described first intelligent contract statement to user characteristics
The calculating logic of value calculates the characteristic value for obtaining the target user based on the business conduct data that the target user generates.
In the another embodiment shown, the described first intelligent contract statement is to the calculating logic of user characteristics value
Streaming computing logic based on STORM.
In the another embodiment shown, the business conduct data for the target user's generation for including in the target transaction
It is encrypted；
The decryption logic to the business conduct data is further stated in described first intelligent contract, to decrypt described added
Close business conduct data, to calculate the characteristic value of the target user based on the business conduct data.
In the another embodiment shown, the target transaction further includes that the business conduct data provider nodes are set
It signs electronically made by the business conduct data generated based on the target user few to the utmost.
In the another embodiment shown, the user characteristics value is user health integral, to characterize the body of user
Body health status；The business conduct data provider nodes equipment includes: health service method, apparatus or insurance service side
One of equipment or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of.
In the another embodiment shown, the block chain is alliance's chain.
Fig. 5 show a kind of user characteristics value application apparatus 50 based on block chain, is applied to as described in claim 1
Application side's node device included by block chain, described device 50 include:
Acquiring unit 502 is calculated for obtaining the described first intelligent contract from the distributed data base of the block chain
The characteristic value of the resulting target user；
Execution unit 504 is executed for the characteristic value based on the target user to the characteristic value of the target user
Using processing logic.
In the another embodiment shown, the execution unit is further used for:
The the second intelligent contract for handling the user characteristics value for application is called, the described second intelligent contract statement is executed
The characteristic value to the target user application processing logic.
In the another embodiment shown, the user characteristics value is user health integral, to characterize the body of user
Body health status；The business conduct data provider nodes equipment includes: health service method, apparatus or insurance service side
One of equipment or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of；It is described to user characteristics
Application side's node device of value includes insurance service method, apparatus；
The execution unit is further used for: the user health integral based on the target user executes and is directed to the mesh
The insurance scheme for marking user is formulated.
The function of each unit and the realization process of effect are specifically detailed in the above method corresponding in above-mentioned apparatus 40 and 50
The realization process of step, the relevent part can refer to the partial explaination of embodiments of method, and details are not described herein.
The apparatus embodiments described above are merely exemplary, wherein described, unit can as illustrated by the separation member
It is physically separated with being or may not be, component shown as a unit may or may not be physics mould
Block, it can it is in one place, or may be distributed on multiple network modules.It can be selected according to the actual needs
In some or all of unit or module realize the purpose of this specification scheme.Those of ordinary skill in the art are not paying
In the case where creative work, it can understand and implement.
Device that above-described embodiment illustrates, unit, module can specifically be realized, Huo Zheyou by computer chip or entity
Product with certain function is realized.A kind of typically to realize that equipment is computer, the concrete form of computer can be a
People's computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation
It is any several in equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of kind equipment.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 6 institute
Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory
Program；Processor executes the user characteristics based on block chain in this specification embodiment in the computer program of operation storage
It is worth each step of preparation method.The detailed description of each step of user characteristics value preparation method based on block chain please be joined
Content before seeing, is not repeated.
Corresponding with above method embodiment, the embodiment of this specification additionally provides a kind of computer equipment, such as Fig. 6 institute
Show, which includes memory and processor.Wherein, the computer that can be run by processor is stored on memory
Program；Processor executes the user characteristics based on block chain in this specification embodiment in the computer program of operation storage
It is worth each step of application method.The detailed description of each step of user characteristics value application method based on block chain please be joined
Content before seeing, is not repeated.
The foregoing is merely the preferred embodiments of this specification, all in this explanation not to limit this specification
Within the spirit and principle of book, any modification, equivalent substitution, improvement and etc. done should be included in the model of this specification protection
Within enclosing.
In a typical configuration, calculating equipment includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include the non-volatile memory in computer-readable medium, random access memory (RAM) and/or
The forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable medium
Example.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory
(SRAM), dynamic random access memory (DRAM), other kinds of random access memory (RAM), read-only memory
(ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory techniques, CD-ROM are read-only
Memory (CD-ROM), digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or
Other magnetic storage devices or any other non-transmission medium, can be used for storage can be accessed by a computing device information.According to
Herein defines, and computer-readable medium does not include temporary computer readable media (transitory media), such as modulation
Data-signal and carrier wave.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
It include so that the process, method, commodity or the equipment that include a series of elements not only include those elements, but also to wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including described want
There is also other identical elements in the process, method of element, commodity or equipment.
It will be understood by those skilled in the art that the embodiment of this specification can provide as the production of method, system or computer program
Product.Therefore, the embodiment of this specification can be used complete hardware embodiment, complete software embodiment or combine software and hardware side
The form of the embodiment in face.Moreover, it wherein includes that computer is available that the embodiment of this specification, which can be used in one or more,
It is real in the computer-usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) of program code
The form for the computer program product applied.
Claims (20)
1. a kind of user characteristics value preparation method based on block chain, the block chain include multiple business conduct data providings
Node device, which comprises
The target transaction that business conduct data provider nodes equipment is sent is obtained, the target transaction includes target user's generation
Business conduct data；
The first intelligent contract is called, the calculating logic to user characteristics value of the described first intelligent contract statement is executed, is based on institute
The business conduct data for stating target user's generation calculate the characteristic value for obtaining the target user.
2. according to the method described in claim 1, the described first intelligent contract statement is to the calculating logic of user characteristics value
Streaming computing logic based on STORM.
3. method according to claim 1 or 2, business conduct number that the target user for including in the target transaction generates
According to encrypted；
The decryption logic to the business conduct data is further stated in described first intelligent contract, described encrypted to decrypt
Business conduct data, to calculate the characteristic value of the target user based on the business conduct data.
4. method according to claim 1 or 2, the target transaction further includes the business conduct data provider nodes
It signs electronically made by the business conduct data that equipment is at least generated based on the target user.
5. according to the method described in claim 1, the user characteristics value is user health integral, to characterize the body of user
Health status；The business conduct data provider nodes equipment includes: that health service method, apparatus or insurance service side are set
One of standby or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of.
6. according to the method described in claim 1, the block chain is alliance's chain.
7. a kind of application method based on user characteristics value as described in claim 1 is applied to area as described in claim 1
Application side's node device included by block chain, which comprises
Application side's node device obtains the described first intelligent contract from the distributed data base of the block chain and calculates institute
The characteristic value of the target user obtained；
Based on the characteristic value of the target user, the application processing logic to the characteristic value of the target user is executed.
8. according to the method described in claim 7, the characteristic value based on the target user, executes to the target user
Characteristic value application processing logic, comprising:
The second intelligent contract is called, at the application for executing the characteristic value to the target user of the described second intelligent contract statement
Manage logic.
9. according to the method described in claim 7, the user characteristics value is user health integral, to characterize the body of user
Health status；The business conduct data provider nodes equipment includes: that health service method, apparatus or insurance service side are set
One of standby or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of；It is described to user characteristics value
Application side's node device include insurance service method, apparatus；
The characteristic value based on the target user executes the application processing logic of user characteristics value, comprising: be based on the mesh
The user health integral for marking user, the insurance scheme executed for the target user are formulated.
10. a kind of user characteristics value based on block chain obtains device, the block chain includes that multiple business conduct data provide
Square node device, described device include:
Acquiring unit, for obtaining the target transaction of business conduct data provider nodes equipment transmission, the target transaction packet
Include the business conduct data of target user's generation；
Execution unit executes the meter to user characteristics value of the described first intelligent contract statement for calling the first intelligent contract
Logic is calculated, the characteristic value for obtaining the target user is calculated based on the business conduct data that the target user generates.
11. device according to claim 10, the calculating logic to user characteristics value of the described first intelligent contract statement
It is the streaming computing logic based on STORM.
12. device described in 0 or 11 according to claim 1, business row that the target user for including in the target transaction generates
It is encrypted for data；
The decryption logic to the business conduct data is further stated in described first intelligent contract, described encrypted to decrypt
Business conduct data, to calculate the characteristic value of the target user based on the business conduct data.
13. device described in 0 or 11 according to claim 1, the target transaction further includes the business conduct data providing
It signs electronically made by the business conduct data that node device is at least generated based on the target user.
14. device according to claim 10, the user characteristics value is user health integral, to characterize the body of user
Body health status；The business conduct data provider nodes equipment includes: health service method, apparatus or insurance service side
One of equipment or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of.
15. device according to claim 10, the block chain is alliance's chain.
16. a kind of application apparatus based on user characteristics value as described in claim 1 is applied to as described in claim 1
Application side's node device, described device included by block chain include:
Acquiring unit calculates resulting institute for obtaining the described first intelligent contract from the distributed data base of the block chain
State the characteristic value of target user；
Execution unit executes at the application to the characteristic value of the target user for the characteristic value based on the target user
Manage logic.
17. device according to claim 16, the execution unit is further used for:
The second intelligent contract is called, at the application for executing the characteristic value to the target user of the described second intelligent contract statement
Manage logic.
18. device according to claim 16, the user characteristics value is user health integral, to characterize the body of user
Body health status；The business conduct data provider nodes equipment includes: health service method, apparatus or insurance service side
One of equipment or Claims Resolution service method, apparatus or user health behavioral parameters acquisition equipment are a variety of；It is described to user characteristics
Application side's node device of value includes insurance service method, apparatus；
The execution unit is further used for: the user health integral based on the target user is executed and is used for the target
The insurance scheme at family is formulated.
19. a kind of computer equipment, comprising: memory and processor；Being stored on the memory can be transported by the processor
Capable computer program；When the processor runs the computer program, execute as described in claims 1 to 6 any one
Method.
20. a kind of computer equipment, comprising: memory and processor；Being stored on the memory can be transported by the processor
Capable computer program；When the processor runs the computer program, execute as described in claim 7 to 9 any one
Method.
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| CN201910030277.1A CN110033263A (en) | 2019-01-14 | 2019-01-14 | The acquisition of user characteristics value, application method and device based on block chain |
| TW108130589A TWI736959B (en) | 2019-01-14 | 2019-08-27 | Block chain-based user characteristic value acquisition and application method and device |
| PCT/CN2019/125909 WO2020147478A1 (en) | 2019-01-14 | 2019-12-17 | Block chain-based user feature value acquisition and application method and apparatus |
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Also Published As
| Publication number | Publication date |
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| TWI736959B (en) | 2021-08-21 |
| WO2020147478A1 (en) | 2020-07-23 |
| TW202026936A (en) | 2020-07-16 |
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