CN110599165B

CN110599165B - Credit system construction method based on block chaining currency sky destruction

Info

Publication number: CN110599165B
Application number: CN201910830674.7A
Authority: CN
Inventors: 王张; 刘志鹏
Original assignee: Hangzhou Timestamp Information Technology Co ltd
Current assignee: Hangzhou Timestamp Information Technology Co ltd
Priority date: 2019-09-04
Filing date: 2019-09-04
Publication date: 2022-08-23
Anticipated expiration: 2039-09-04
Also published as: CN110599165A

Abstract

The invention discloses a credit system construction method based on block link currency sky destruction, which comprises the following steps: establishing communication between a traditional E-business platform and a block chain system; when a user registers an account, a private key corresponding to the public chain is generated, and the private key is locally stored by the user; when a user purchases on the E-commerce platform, the transaction of sending a token to a merchant account address is submitted to a block chain after being signed by a private key; when a user evaluates a merchant, acquiring corresponding transaction parameters, and calculating the destruction of the currency; acquiring the credit of the merchant according to the address of the merchant on the block chain, and if the user is favorable, adding coins to destroy the merchant; and if the credit score is poor, the destruction of the currency day is subtracted, and finally the total credit score of the merchant is calculated through accumulation. The invention utilizes the characteristic of coin destruction to solve the problem of credit swiping which cannot be effectively solved by complex logic at present; ensuring that only self evaluation can be performed on the transaction; the relation between the private key and the address and the characteristics of the block chain decentralization and the irreversible property determine that the credit belongs to the block chain, and the block chain is not maliciously modified and cheated.

Description

Credit system construction method based on block chaining currency sky destruction

Technical Field

The invention belongs to the technical field of block chains, and particularly relates to a credit system construction method based on block chain currency sky destruction.

Background

With the continuous iteration of internet technology and the continuous popularization of intelligent devices, more and more enterprises and organizations have relied on the internet to provide services for users. In order to optimize resource allocation and reduce the intervention of medium and small-scale and individual service providers, the organization mode of a third-party platform is gradually accepted by the market and becomes a mainstream internet service mode, and the third-party platform permeates the life of various aspects, such as a common payment platform, a social platform, an e-commerce platform, a life service platform, a network appointment platform and the like. The establishment of the third-party platform aims to provide an internet tool which is friendly in interface, smooth in experience and comprehensive in service between a service provider and a consumer, so that a service provider can obtain more users and earnings, and the consumer can obtain higher-quality service and consumption experience. In order to ensure the environment of the platform to be real and credible, high-quality service providers and consumers can enjoy due rights and interests, and almost all platforms establish credit evaluation systems aiming at both parties.

Whether the credit system is complete and reasonable or not and whether the maintenance is in place or not have a direct relation with the service quality of the platform. Taking an e-commerce platform as an example, the credit rating of the commodity can be obtained by establishing a credit system, high-quality commodities with high credit rating can obtain higher exposure, on one hand, the sales volume of the commodity can be promoted, and on the other hand, merchants can accumulate high-quality shop credits, so that more commodities can be popularized. Thereby, public praise from users can be improved, the buyback rate of old users can be improved, and more new users can be generated. For the consumer, the complete new system will make the consumer more easily buy the good quality commodity, and the good credit rating can also enjoy the member benefits (member price, discount, etc.) fed back from the platform and the merchant. For the platform side, more high-quality merchants and consumers can be harvested to enter the platform, so that more transaction amount and brand cooperation opportunities, and profit spaces such as advertising spots, member value-added services and the like are obtained.

However, the current internet platform is usually built by a single enterprise, and the establishment of the information system depends on a specific operation team and a centralized server. There are certain inevitable problems with this traditional model of credit architecture.

First, credit stealing is common in various platforms. Also taking the e-commerce platform as an example, in order to promote own stores and commodities, merchants need to acquire high credit rating. At this point the merchant may hire a large number of water forces, register a large number of consumer accounts, swipe the volume of the trade and reviews of the goods and stores. This violation of platform criteria will lead to confusion between the goods and the shop credit, and the real quality content will not be able to benefit from the credit system. The result is that platform quality of service and public praise are severely affected, good merchants are buried and consumers' rights are infringed. Although a large e-commerce platform such as a tianmao platform and a kyoto platform establishes a series of credit specifications (such as limited time, evaluation within limited times for effectiveness, algorithm screening for credit account swiping and the like), and is configured with a sufficient number of maintenance teams for maintenance, the phenomenon cannot be avoided, and the credit authenticity of the platform still has a very large promotion space.

Secondly, the credit ownership problem is that the credit of the merchant and the consumer in the traditional mode is uniformly managed by the platform, and the credit is bound with the account registered on the platform and is not mutually associated with the actual owner. On the one hand, credit under account can be transferred, for example, a crown store on a Tianmao can be delivered to other people to operate, and a new store owner immediately enjoys the bonus brought by the store with high credit rating but cannot guarantee the consistent quality of the store. On the other hand, different platforms depend on different enterprise bodies, and credit systems recorded by the different platforms are not intercommunicated, so that when a merchant and a user migrate to another platform, the high-quality credit evaluation of the merchant cannot be migrated, the credit evaluation of the merchant and the user needs to be accumulated from scratch, the user cannot enjoy the rights and interests of the merchant and the user, waste is caused in time and cost, and the platform misses the opportunity of taking in the high-quality user.

Based on the above background, the centralized credit system has a certain defect, and how to design a decentralized credit management system by using a block chain as a bottom technology means is very important.

Disclosure of Invention

In order to solve the above problems, the invention provides a credit system construction method based on block chain currency sky destruction, which can construct a block chain decentralized credit system.

The technical scheme of the invention is as follows: a credit system construction method based on block link currency sky destruction comprises the following steps:

s1, establishing communication between the traditional E-commerce platform and the block chain system;

s2, when the user registers the account, generating a private key corresponding to the public chain, and locally storing the private key by the user;

s3, when a user purchases on the E-commerce platform, the transaction of sending the token to the merchant account address is submitted to the block chain after being signed by the private key;

s4, when the user evaluates the merchant, acquiring corresponding transaction parameters, and calculating the destruction of the currency;

s5, acquiring merchant credit according to the address of the merchant on the block chain, and if the user is favorable, adding coins to destroy the merchant; and if the credit score is poor, the destruction of the currency day is subtracted, and finally the total credit score of the merchant is calculated through accumulation.

In the block chain of the UTXO model, UTXO refers to an unspent transaction output, which is the core of transaction generation and verification. The transactions constitute a set of chain structures, all legitimate transactions being traced back to the output of the previous transaction or transactions, the chain being sourced by the mine excavation reward and ending with the current unspent transaction output (UTXO). Unlike the concept of "account-balance" under the conventional account model, all token attributions and records are recorded under UTXO. The dollar-day destruction refers to the time a UTXO spends from the start of production multiplied by the value of the UTXO. A UTXO core attribute includes a face value, home address, generation height (time node generated). Each UTXO has a home address corresponding to control, and when the owner of the address wants to spend the UTXO, a signature of the private key corresponding to the address needs to be provided. The private key is generated by a random number during registration, and the probability of collision of the private key is almost 0. The private key is converted into the public key through the asymmetric encryption algorithm, the public key is converted into the address through the asymmetric encryption algorithm, and both processes have the characteristic of being irreversible. The private key is cryptographically secure, and digital assets at the address can only be spent by the private key, which is mathematically secured.

In the blockchain of the account model, ERC 721-like contracts may build non-replaceable or unique tokens based on the blockchain of the account model (etherhouse, etc.). Most of the tokens under the account model are replaceable (the tokens of the same class are homogeneous and have the same asset ID), but the tokens issued based on the ERC721 contract are unique (the tokens of each class of ERC721 have different asset ID), the transaction records are traced, the functional principle similar to the block chain under the UTXO model can be achieved, and the credit system under the invention is also applicable.

In block chains of UTXO models such as bitcoin, bigeminal, etc., the coin day destruction is generated by transactions that spend UTXO. Each transaction costs (pend) an input (i.e., unspent output) and produces an output (output), and the UTXO is the output of the transaction, unspent transaction. From the cost of the UTXO to the generation of a new UTXO, there is a minday destruction.

In the block chain of the account models such as the ether house, the EOS and the like, the intelligent contracts are defined and executed by codes, and the transactions calling the intelligent contracts do not need to trust each other. The transaction of the ERC 721-like intelligent contract is to destroy a token and then recast the token, and the process is similar to the destruction and generation of UTXO, so that the token is destroyed in the day of currency.

The invention selects a well-running and ecologically-strong block chain system, establishes the intercommunication between the traditional E-commerce platform and the block chain system, and needs the user to generate a private key and locally store the private key without uploading the private key to a server when a transaction is carried out on the E-commerce platform. When a transaction is initiated and evaluated, the signature is completed locally through a private key, and then the transaction request is submitted to the blockchain network. When a user purchases and transacts, the platform side records the transaction ID, positions corresponding transaction information on the chain through the transaction ID, and analyzes corresponding parameters from the transaction to calculate the destruction of the currency. And finally, the platform side scores the merchants according to the corresponding coin day destruction value and the good score (bad score) given by the user, and the addition and subtraction conditions of the credit score are registered in the uplink after the corresponding user needing to finish the buying and selling behaviors signs through the private key of the platform side.

By the method, a merchant wants to gain a certain number of good comments, a real consumer account and a corresponding number of UTXO transfer accounts are required to be supported behind the merchant, the increase and decrease amount of credit points depends on transaction amount and two UTXO time interpolation, so that the merchant cannot swipe the credit points through mutually trading with a certain account, because the transaction from the same two accounts in a short time does not generate extra currency days.

According to the credit system model, the destruction of the coin days is used as the weight for calculation, the scores are divided into good score and poor score, the good score is added with the destruction weight of the coin days and is a good score coefficient, and the poor score is subtracted with the destruction weight of the coin days and is a poor score coefficient. The credit score corresponds to the private key and the address of the merchant, the transaction is irreversible, and as long as the private key is not changed, the merchant uses the private key under other platforms built by the block chain, the credit score result is also credible and represents the real credit evaluation.

Preferably, the total credit score of the merchant is calculated according to the following formula:

wherein, the amount _ik Refers to the face value, dt, of token of UTXO or ERC721 contract input in ith transaction _ik Is the destruction time, st _ik Is the time of generation of token, score, of UTXO or ERC721 contracts _i Is the credit score for a shopping transaction and score is the merchant's total credit score.

Preferably, the process of step S2 includes:

s2-1, randomly or by using mnemonic words, generating a private key corresponding to the block chain, wherein the private key is stored locally;

s2-2, calling a block chain API to generate a block chain address corresponding to the private key;

s2-3, registering the merchant on the platform by using the public key corresponding to the private key;

s2-4, sending token to the block chain address.

Preferably, the process of step S3 includes:

s3-1, shopping on the E-commerce platform by a user, calling a block chain API to construct a transaction, and returning transaction data;

s3-2, signing the transaction by the local private key, and calling a block chain API to submit the transaction;

and S3-3, storing the transaction ID to the E-commerce platform.

Preferably, the process of step S4 includes:

s4-1, analyzing the face value, the generation time and the transaction time of UTXO or ERC721 contract token input in the transaction;

and S4-2, calculating the destruction of the currency day according to the time from the generation to the spending of the acquired information multiplied by the face value.

Compared with the prior art, the invention has the beneficial effects that:

in the invention, the transaction of the UTXO model and the account model is submitted to the block chain after being signed by the private key, so that the destruction of the currency has the advantages of irreversibility, no tampering, decentralization and correspondence with the address. The larger the face value of UTXO or ERC721 contract token and the longer the time, the greater the weight of coin day destruction and the greater the credit score, and vice versa. The face value of N UTXOs input in one transaction has big or small value, and the time has long or short value, and the coin day destroying of the UTXOs input in the transaction can be appointed to score when the transaction scores. The credit point is obtained by destroying calculation of the currency day, so the credit point is neutralized, and credit point verification is recalculated by UTXO or ERC721 contract token which is input and output by transaction and can inquire transaction destroyed currency day when and where, so that the credit point can be used across platforms.

Drawings

FIG. 1 is a schematic diagram of the construction principle of the present invention.

Detailed Description

Example 1

A credit system construction method based on block link currency day destruction comprises the following steps:

1. and selecting a block chain system with good operation and strong ecology, and accessing the user registration, shopping transaction, transaction inquiry and the like of the e-commerce platform into the block chain system.

2. And (4) registering a user, generating a private key, locally storing the private key, and transferring the private key to a registered block chain address.

The process is as follows:

generating a private key of a corresponding block chain randomly or by using mnemonics, wherein the private key is stored locally;

calling a block chain API to generate a block chain address corresponding to the private key;

registering a merchant on the platform by using a public key corresponding to the private key;

wallet or other means is used to transfer the token on the blockchain to the address obtained above.

3. (taking e-commerce platform as an example) a user purchases a purchase on the e-commerce platform, a token is sent to a merchant account address, the transaction requires a user private key signature, and is submitted to a blockchain,

shopping by the user e-commerce platform, calling the block chain API to construct a transaction, and returning transaction data

Signing the transaction with the local private key and submitting the transaction by calling the blockchain API

Transaction ID saving to e-commerce platform

4. The user evaluates the merchant, the transaction information is obtained by calling the block chain API through the transaction ID, the transaction information is destroyed by the balance bank note,

analyzing the face value, the generation time and the transaction time of UTXO or ERC721 contract token input in the transaction

Calculating the destruction of the currency day according to the time from the generation to the spending multiplied by the face value

The credit system model takes the destruction of the coin days as weight to calculate, the score is divided into good score and poor score, the good score is added with the destruction weight of the coin days and is a good score coefficient, the poor score is subtracted with the destruction weight of the coin days and is a poor score coefficient, and the calculation formula is as follows:

wherein, the amount _ik Refers to the face value, dt, of token of UTXO or ERC721 contract input in ith transaction _ik Is the destruction time, st _ik Is the time of generation of token, score, of UTXO or ERC721 contract _i Is the credit score of a shopping transaction, score is the merchant's total credit score

And calling a credit inquiry API (application program interface) of the block chain through the user address on different platforms to acquire credit calculation points, so that the credit can share personal credit on different platforms, and the purpose of cross-platform credit is achieved. The nature of the blockchain makes the credit personal, non-tamperable, and irreversible.

The method utilizes the characteristic of coin day destruction of UTXO or ERC721 contract token to solve the problem of credit swiping which cannot be effectively solved by using complex logic at present by using a simple algorithm; the transaction of the block needs private key signature, as long as the private key is not changed, the credit is easy to use on the platform, and other users cannot spend themselves, so that the transaction can only be evaluated by themselves; the relation between the private key and the address and the characteristics of block chain decentralization and non-reversibility determine that the credit belongs to the credit from now on, does not belong to the platform, and cannot be maliciously modified and cheated; the characteristic of currency day destruction changes the credit problem from moral problem into simple mathematical calculation; even if the problem cannot be solved by the current centralized service by using the scheme, the block chain can effectively solve or depend on the characteristics of the block chain: decentralized, non-tamper-able, transaction irreversible, transparent, etc., which centralized services do not possess at all, also determine a solution to the credit hierarchy that does not duplicate the valid profile of the blockchain.

Claims

1. A credit system construction method based on block link currency day destruction is characterized by comprising the following steps:

s5, acquiring merchant credit according to the address of the merchant on the block chain, and if the user is favorable, adding a coin day to destroy the merchant credit; and if the credit score is poor, the destruction of the currency day is subtracted, and finally the total credit score of the merchant is calculated through accumulation.

2. The block chaining token day destruction based credit system construction method as claimed in claim 1, wherein the total credit score calculation formula of the merchant is as follows:

wherein, the amount _ik Refers to the face value, dt, of token of UTXO or ERC721 contract input in ith transaction _ik Is the destruction time, st _ik Is the time of generation of token, score, of UTXO or ERC721 contracts _i Is the credit score for one purchase transaction and score is the merchant's total credit score.

3. The credit architecture construction method based on block chaining token day destruction according to claim 1 or 2, wherein the process of step S2 comprises:

s2-1, randomly or by using mnemonic words, generating a private key of a corresponding block chain, wherein the private key is stored locally;

s2-4, sending token to the block chain address.

4. The credit hierarchy construction method based on block chaining token day destruction according to claim 3, wherein the process of step S3 comprises:

s3-2, local private key signature transaction, and calling a blockchain API to submit the transaction;

and S3-3, storing the transaction ID to the E-commerce platform.

5. The credit hierarchy construction method based on block chaining token day destruction according to claim 4, wherein the process of step S4 comprises: