CN110599332A - Block chain-based user intention determination method, device, equipment and storage medium - Google Patents
Block chain-based user intention determination method, device, equipment and storage medium Download PDFInfo
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- 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
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The application relates to a method, a device, equipment and a storage medium for determining user intention based on a block chain, wherein the method comprises the following steps: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user; sending a user intention verification request to a verification node, wherein the user intention verification request carries a loan application identifier; and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is the user information corresponding to the loan application identifier obtained by the verification node from the block chain, and the verification result is obtained by verifying the user intention based on the user information and is stored in the block chain in association with the loan application identifier. The scheme provided by the application can determine the real will of the user loan application and improve the safety of the network loan transaction.
Description
Technical Field
The present application relates to the field of information technology, and in particular, to a method, an apparatus, a device, and a storage medium for determining a user intention based on a block chain.
Background
When a user loans based on the network loan platform, after the network loan platform acquires loan application data, the user will need to be confirmed, such as verifying a face image of the user, issuing a short message verification code to the user, and the like. However, in the traditional mode, the acquisition and the verification of the user intention are carried out on the same platform, the information is easy to be tampered, and the transaction safety is low.
Disclosure of Invention
Therefore, it is necessary to provide a method, an apparatus, a device, and a storage medium for determining a user intention based on a block chain, for solving the technical problem that in the conventional manner, the acquisition and verification of the user intention are both performed on the same platform, which results in low transaction security.
A method for user intent determination based on blockchains, the method comprising:
obtaining loan application information of a user, and storing the loan application information to a block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user;
sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is that the verification node obtains the user information corresponding to the loan application identifier from the block chain, and the verification result is associated with the loan application identifier and stored in the block chain based on the result obtained by verifying the user intention of the user information.
An apparatus for blockchain-based user intent determination, the apparatus comprising:
the first acquisition module is used for acquiring loan application information of a user; the loan application information comprises user information of the user;
the storage module is used for storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information;
the sending module is used for sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and the second acquisition module is used for acquiring an authentication result obtained by the authentication node based on the user intention authentication request, wherein the authentication result is that the authentication node acquires the user information corresponding to the loan application identifier from the block chain, the result obtained by verifying the user intention based on the user information is obtained, and the authentication result and the loan application identifier are stored in the block chain in a correlated manner.
A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of:
obtaining loan application information of a user, and storing the loan application information to a block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user;
sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is that the verification node obtains the user information corresponding to the loan application identifier from the block chain, and the verification result is associated with the loan application identifier and stored in the block chain based on the result obtained by verifying the user intention of the user information.
A computer-readable storage medium storing a computer program which, when executed by a processor, causes the processor to perform the steps of:
obtaining loan application information of a user, and storing the loan application information to a block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user;
sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is that the verification node obtains the user information corresponding to the loan application identifier from the block chain, and the verification result is associated with the loan application identifier and stored in the block chain based on the result obtained by verifying the user intention of the user information.
According to the block chain-based user intention determining method, device, computer equipment and computer-readable storage medium, when the loan application of the user is received by the loan node, the user intention is verified by introducing the third-party verification node, so that the loan application is guaranteed to be the true intention of the user, the malicious user is prevented from being pretended to be a normal user to carry out the loan application, the related transaction information of the loan service is stored through the block chain, the authenticity and traceability of the transaction information are guaranteed, the right responsibility of each party of the service is facilitated to be clear, and the fraud risk of the loan service is reduced.
Drawings
FIG. 1 is a diagram of an application environment of a block chain-based user intent determination method in one embodiment;
FIG. 2 is a flowchart illustrating a method for determining a user's intention based on a blockchain in one embodiment;
FIG. 3 is a flowchart illustrating a method for determining a user's intention based on a blockchain in one embodiment;
FIG. 4 is a block diagram showing the structure of an apparatus according to the flow chart of the method in one embodiment;
FIG. 5 is a block diagram of a computer device in one embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism and an encryption algorithm. A block chain (Blockchain), which is essentially a decentralized database, is a series of data blocks associated by using a cryptographic method, and each data block contains information of a batch of network transactions, so as to verify the validity (anti-counterfeiting) of the information and generate a next block. The blockchain may include a blockchain underlying platform, a platform product services layer, and an application services layer.
The block chain underlying platform can comprise processing modules such as user management, basic service, intelligent contract and operation monitoring. The user management module is responsible for identity information management of all blockchain participants, and comprises public and private key generation maintenance (account management), key management, user real identity and blockchain address corresponding relation maintenance (authority management) and the like, and under the authorization condition, the user management module supervises and audits the transaction condition of certain real identities and provides rule configuration (wind control audit) of risk control; the basic service module is deployed on all block chain node equipment and used for verifying the validity of the service request, recording the service request to storage after consensus on the valid request is completed, for a new service request, the basic service firstly performs interface adaptation analysis and authentication processing (interface adaptation), then encrypts service information (consensus management) through a consensus algorithm, transmits the service information to a shared account (network communication) completely and consistently after encryption, and performs recording and storage; the intelligent contract module is responsible for registering and issuing contracts, triggering the contracts and executing the contracts, developers can define contract logics through a certain programming language, issue the contract logics to a block chain (contract registration), call keys or other event triggering and executing according to the logics of contract clauses, complete the contract logics and simultaneously provide the function of upgrading and canceling the contracts; the operation monitoring module is mainly responsible for deployment, configuration modification, contract setting, cloud adaptation in the product release process and visual output of real-time states in product operation, such as: alarm, monitoring network conditions, monitoring node equipment health status, and the like.
The platform product service layer provides basic capability and an implementation framework of typical application, and developers can complete block chain implementation of business logic based on the basic capability and the characteristics of the superposed business. The application service layer provides the application service based on the block chain scheme for the business participants to use.
Fig. 1 is an application environment diagram of a block chain-based user intention determination method in one embodiment. As shown in fig. 1, the application environment relates to a terminal 110, a deposit node server 120, a verification node server 130 and a blockchain system 140, the blockchain system 140 includes a plurality of interconnected node servers, the terminal 110 and the deposit node server 120 are connected through a network, the deposit node server 120 and the verification node server 130 are connected through a network, and the deposit node server 120 and the verification node server 130 are respectively connected with the blockchain system 140 through a network. The user may access the network loan platform through terminal 110 and the loan node server 120 may be the server on which the network loan platform resides. The loan node server 120 obtains loan application information of the user, stores the loan application information on the blockchain system 140, and sends a user intention verification request to the verification node server 130, where the verification node server 130 may be a server where a trusted third party verification authority (e.g., a certificate authority) is located. The authentication node server 130 obtains the user information from the blockchain system 140 and authenticates the user's intention. The terminal 110 may be a desktop terminal or a mobile terminal, and the mobile terminal may be at least one of a mobile phone, a tablet computer, a notebook computer, and the like. The deposit node server 120 or the verification node server 130 may be implemented as a stand-alone server or as a server cluster of multiple servers.
As shown in fig. 2, in one embodiment, a block chain based user intent determination method is provided. This embodiment is mainly illustrated by applying the method to the depositing node server 120 in fig. 1. Referring to fig. 2, the method for determining a user intention based on a blockchain specifically includes the following steps S202 to S206.
S202, obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information includes user information for the user.
The loan application identifier is used as a unique identifier corresponding to the loan application, and when the loan application contains a plurality of pieces of related record information, the plurality of pieces of related record information can be associated through the loan application identifier. The user identity information comprises at least one of an identity card number, a driving license number and a passport number, and the user contact information comprises at least one of a mobile phone number and an electronic mailbox.
And S204, sending a user intention verification request to the verification node, wherein the user intention verification request carries a loan application identifier.
The user intention verification request is used for requesting the verification node to verify whether the loan application is the real intention of the user. And the loan application identifier carried by the user intention verification request is used for enabling the verification node to obtain corresponding user information from the block chain according to the loan application identifier.
And S206, obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is the result obtained by the verification node obtaining the user information corresponding to the loan application identifier from the block chain, and performing user intention verification based on the user information, and the verification result and the loan application identifier are stored in the block chain in a correlation manner.
The mode of verifying the user intention by the verification node may be various, for example, face recognition verification, certificate recognition verification, verification code verification, and the like, which is not limited herein.
According to the user intention determining method based on the block chain, when a loan application of a user is received by a loan node, the user intention is verified by introducing a third-party verification node, the loan application is guaranteed to be the real intention of the user, a malicious user is prevented from pretending to be a normal user to carry out the loan application, and related transaction information of the loan service is stored through the block chain, so that the authenticity and traceability of the transaction information are guaranteed, the right of each party is clarified, and the fraud risk of the loan service is reduced.
In one embodiment, the method for obtaining the loan application information of the user and storing the loan application information in the block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information includes the following steps: obtaining loan application information of a user, and generating a loan application identifier based on the loan application information; and storing the loan application information and the loan application identification in a block chain in an associated manner.
In this embodiment, the loan application identifier is generated by the loan application node, and the loan application information and the loan application identifier are stored in association in the block chain, so that the stored loan application information can be obtained by querying in the block chain according to the loan application identifier.
In one embodiment, the method for obtaining the loan application information of the user and storing the loan application information in the block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information includes the following steps: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information; and receiving the loan application identification returned by the block chain.
In this embodiment, a block chain generates a loan application identifier associated with loan application information when the loan application information is stored, the loan application identifier returned by the block chain is received by the loan placement node, and when the related information of the loan application is subsequently stored, the related information and the loan application identifier are stored in the block chain in an associated manner, so that the related information of the loan application stored in the block chain can be associated with each other through the loan application identifier, and further, all the stored related information of the loan application can be obtained through query on the block chain according to the loan application identifier.
In one embodiment, the loan node stores the user intent verification request in association with the loan application identification on the blockchain. The user intention verification request reflects an interaction process between the paying node and the verification node, the user intention verification request is stored in the block chain, if disputes occur, which link is out of question can be judged according to information stored in the block chain, and then a responsibility undertaker is determined.
In one embodiment, acquiring an authentication result obtained by an authentication node based on a user intention authentication request specifically includes the following steps: and receiving a first verification response returned by the verification node, wherein the first verification response carries a verification result obtained based on the user intention verification request and a loan application identifier.
In the embodiment, the verification result is generated by the verification node, the money depositing node directly receives the verification result returned from the verification node, and whether to deposit money is determined according to the verification result, so that the acquisition and verification of the intention of the user are respectively processed by two different nodes, and the possibility of intercepting or tampering transaction information is reduced.
In one embodiment, after receiving the first verification response returned by the verification node, the method further comprises the following steps: inquiring from the block chain to obtain a verification result associated with the loan application identifier; and verifying the authenticity of the verification result carried in the first verification response based on the verification result obtained by the query.
In the embodiment, the verification node generates a verification result, the verification result and the loan application identifier are stored in the block chain in an associated mode, the loan deposit node inquires from the block chain according to the loan application identifier to obtain the verification result, the verification result obtained from the verification node is verified by using the verification result obtained through inquiry, the authenticity of the verification result obtained from the verification node is determined, and the transaction safety is improved.
In one embodiment, acquiring an authentication result obtained by an authentication node based on a user intention authentication request specifically includes the following steps: receiving a second verification response returned by the verification node, wherein the second verification response carries the loan application identifier; and obtaining a verification result associated with the loan application identification from the block chain inquiry.
In the embodiment, the verification node generates a verification result, the verification result and the loan application identifier are stored in the block chain in an associated manner, and the loan deposit node queries from the block chain according to the loan application identifier to obtain the verification result, so that the obtained verification result is ensured to be real, and the transaction safety is improved.
In one embodiment, if the verification result is that the verification is passed, paying is performed on the account corresponding to the user according to the loan application information, paying record information is generated, and the paying record information and the loan application identifier are stored in the block chain in an associated manner.
In this embodiment, if the verification result is that the verification is passed, it indicates that the loan application is a real intention of the user, the loan node deposits a loan to an account corresponding to the user according to the loan application information, generates loan record information, and stores the loan record information and the loan application identifier in association with each other in the block chain. The paying-off record information reflects the interactive process between the paying-off node and the user, the paying-off record information is stored to the block chain, if disputes occur, which link goes wrong can be judged according to the information stored on the block chain, and then the responsibility undertaker is determined.
In one embodiment, the verification code verification method is taken as an example to describe the verification process of the user intention. The method specifically comprises the following steps: the verification node obtains user contact information (such as a mobile phone number) corresponding to the loan application identifier from the block chain based on the user wish verification request; the verification node sends a verification code to the user according to the acquired user contact information; the user returns the received verification code to the deposit node; the paying node sends a verification code returned by the user to the verification node; and the verification node compares the verification code returned from the user with the verification code sent to the user to obtain a verification result. If the comparison result is consistent, the verification is passed, and if the comparison result is inconsistent, the verification is not passed.
In one embodiment, a face recognition verification method is taken as an example to describe a user intention verification process. The method specifically comprises the following steps: the verification node obtains user identity information (such as an identification card number) corresponding to the loan application identifier from the block chain based on the user wish verification request; the verification node acquires face information of a user, matches the face information with face information stored in a database of the public security system, and if the matching is successful, compares user identity information corresponding to the successfully matched face information with user identity information acquired from the block chain to acquire a verification result. If the comparison result is consistent, the verification is passed, and if the comparison result is inconsistent, the verification is not passed. It can be understood that besides the face information, the user's intention can be verified by using the information of certificate information, fingerprint information, iris information, voiceprint information and the like, which can represent the user's identity.
As shown in fig. 3, in one embodiment, a block chain based user intent determination method is provided. Referring to fig. 3, the method for determining a user intention based on a block chain specifically includes the following steps S301 to S311.
And S301, the user side sends loan application information to the loan node, wherein the loan application information comprises user information of the user.
And S302, after the loan application information is obtained by the loan node, storing the loan application information to the block chain so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information.
And S303, after the loan application information is stored in the block chain, returning a loan application identifier associated with the loan application information to the loan node.
S304, the loan node sends a user intention verification request to the verification node, and the user intention verification request carries the loan application identifier.
S305, the loan placement node stores the user intention verification request and the loan application identifier in a block chain in an associated manner.
And S306, after the verification node receives the user intention verification request, obtaining user information corresponding to the loan application identifier from the block chain, and verifying the user intention based on the user information to obtain a verification result.
And S307, the verification node stores the verification result and the loan application identifier in a block chain in an associated manner.
And S308, the verification node returns a verification response carrying the loan application identifier to the loan application node.
And S309, after receiving the verification response, the loan application node inquires from the block chain to obtain a verification result associated with the loan application identifier.
And S310, if the verification result is that the verification is passed, the loan node deposits the loan to the user side according to the loan application information to generate deposit record information.
And S311, the loan node stores the loan record information and the loan application identifier in a block chain in an associated manner.
It should be understood that although the various steps in the flow charts of fig. 2-3 are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2-3 may include multiple sub-steps or multiple stages that are not necessarily performed at the same time, but may be performed at different times, and the order of performance of the sub-steps or stages is not necessarily sequential, but may be performed in turn or alternating with other steps or at least some of the sub-steps or stages of other steps.
As shown in fig. 4, in one embodiment, there is provided a blockchain-based user intent determination apparatus 400, including: a first obtaining module 410, a sending module 420, a second obtaining module 430 and a storing module 440.
A first obtaining module 410, configured to obtain loan application information of a user; the loan application information includes user information for the user.
The storage module 420 is configured to store the loan application information on the block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information.
The sending module 430 is configured to send a user intention verification request to the verification node, where the user intention verification request carries the loan application identifier.
The second obtaining module 440 is configured to obtain a verification result obtained by the verification node based on the user intention verification request, where the verification result is a result obtained by the verification node obtaining the user information corresponding to the loan application identifier from the block chain, and performing user intention verification based on the user information, and the verification result and the loan application identifier are stored in the block chain in an associated manner.
According to the device for determining the user intention based on the block chain, when the loan application of the user is received by the loan node, the user intention is verified by introducing the third-party verification node, so that the loan application is guaranteed to be the real intention of the user, the malicious user is prevented from pretending to be a normal user to carry out the loan application, the related transaction information of the loan service is stored through the block chain, the authenticity and traceability of the transaction information are guaranteed, the right and responsibility of each party are clarified, and the fraud risk of the loan service is reduced.
In one embodiment, the first obtaining module 410 is specifically configured to, when obtaining the loan application information of the user: and obtaining loan application information of the user, and generating a loan application identifier based on the loan application information. The storage module 420 is specifically configured to, when storing the loan application information in the block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information: and storing the loan application information and the loan application identification in a block chain in an associated manner.
In one embodiment, the storage module 420 is specifically configured to, when storing the loan application information on the blockchain, so that the blockchain stores the loan application information and the loan application identifier associated with the loan application information: storing the loan application information to a block chain so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information; and receiving the loan application identification returned by the block chain.
In one embodiment, the storage module 420 is further configured to store the user desire verification request in association with the loan application identification on the blockchain.
In an embodiment, the second obtaining module 440, when obtaining the authentication result obtained by the authentication node based on the user intention authentication request, is specifically configured to: and receiving a first verification response returned by the verification node, wherein the first verification response carries a verification result obtained based on the user intention verification request and a loan application identifier.
In one embodiment, the second obtaining module 440 is further configured to: after receiving a first verification response returned by the verification node, inquiring from the block chain to obtain a verification result associated with the loan application identification; and verifying the authenticity of the verification result carried in the first verification response based on the verification result obtained by the query.
In an embodiment, the second obtaining module 440, when obtaining the authentication result obtained by the authentication node based on the user intention authentication request, is specifically configured to: receiving a second verification response returned by the verification node, wherein the second verification response carries the loan application identifier; and obtaining a verification result associated with the loan application identification from the block chain inquiry.
In one embodiment, the device further includes a loan payment module, configured to pay a corresponding account of the user according to the loan application information if the verification result is that the verification is passed, and generate loan payment record information. The storage module 420 is further configured to store the loan application identifier and the loan application record information in association with each other on the block chain.
For specific limitations of the block chain-based user intention determining apparatus, reference may be made to the above limitations of the block chain-based user intention determining method, which are not described herein again. The various modules in the above block chain-based user intent determination apparatus may be implemented in whole or in part by software, hardware, and combinations thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
FIG. 5 is a diagram illustrating an internal structure of a computer device in one embodiment. The computer device may specifically be the deposit node server 120 of fig. 1. As shown in fig. 5, the computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the memory includes a non-volatile storage medium and an internal memory. The non-volatile storage medium of the computer device stores an operating system and may also store a computer program that, when executed by the processor, may cause the processor to implement a method for block chain based user intent determination. The internal memory may also have stored therein a computer program that, when executed by the processor, causes the processor to perform a method of block chain based user intent determination.
Those skilled in the art will appreciate that the architecture shown in fig. 5 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, the block chain-based user intent determination apparatus provided herein may be implemented in the form of a computer program that is executable on a computer device such as that shown in fig. 5. The memory of the computer device may store various program modules constituting the block chain-based user intention determination apparatus, such as the first acquisition module 410, the storage module 420, the transmission module 430, and the second acquisition module 440 shown in fig. 4. The computer program constituted by the respective program modules causes the processor to execute the steps in the block chain based user intention determination method of the respective embodiments of the present application described in the present specification.
For example, the computer device shown in fig. 5 may perform the following steps by the first obtaining module in the block chain-based user intention determining apparatus shown in fig. 4: and obtaining loan application information of the user, wherein the loan application information comprises user information of the user. The computer device can execute the following steps through the storage module: and storing the loan application information on the block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information. The computer device can execute the following steps through the sending module: and sending a user intention verification request to the verification node, wherein the user intention verification request carries a loan application identifier. The computer device can execute the following steps through the first acquisition module: and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is the user information corresponding to the loan application identifier obtained by the verification node from the block chain, and the verification result is obtained by verifying the user intention based on the user information and is stored in the block chain in association with the loan application identifier.
In one embodiment, there is provided a computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user; sending a user intention verification request to a verification node, wherein the user intention verification request carries a loan application identifier; and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is the user information corresponding to the loan application identifier obtained by the verification node from the block chain, and the verification result is obtained by verifying the user intention based on the user information and is stored in the block chain in association with the loan application identifier.
In one embodiment, the computer program causes the processor to specifically perform the following steps when performing the steps of obtaining loan application information of a user, storing the loan application information on a block chain, and causing the block chain to store the loan application information and a loan application identifier associated with the loan application information: obtaining loan application information of a user, and generating a loan application identifier based on the loan application information; and storing the loan application information and the loan application identification in a block chain in an associated manner.
In one embodiment, the computer program causes the processor to specifically perform the following steps when performing the steps of obtaining loan application information of a user, storing the loan application information on a block chain, and causing the block chain to store the loan application information and a loan application identifier associated with the loan application information: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information; and receiving the loan application identification returned by the block chain.
In one embodiment, the computer program causes the processor to further perform the steps of: and storing the user intention verification request and the loan application identification in association with each other on the block chain.
In one embodiment, the computer program causes the processor, when executing the step of obtaining the authentication result obtained by the authentication node based on the user intention authentication request, to specifically execute the following steps: and receiving a first verification response returned by the verification node, wherein the first verification response carries a verification result obtained based on the user intention verification request and a loan application identifier.
In one embodiment, the computer program causes the processor, after executing the receiving of the first authentication response returned by the authentication node, to further perform the steps of: inquiring from the block chain to obtain a verification result associated with the loan application identifier; and verifying the authenticity of the verification result carried in the first verification response based on the verification result obtained by the query.
In one embodiment, the computer program causes the processor, when executing the step of obtaining the authentication result obtained by the authentication node based on the user intention authentication request, to specifically execute the following steps: receiving a second verification response returned by the verification node, wherein the second verification response carries the loan application identifier; and obtaining a verification result associated with the loan application identification from the block chain inquiry.
In one embodiment, the computer program causes the processor to further perform the steps of: and if the verification result is that the verification is passed, paying the account corresponding to the user according to the loan application information, generating loan record information, and storing the loan record information and the loan application identifier in a block chain in an associated manner.
In one embodiment, a computer readable storage medium is provided, storing a computer program that, when executed by a processor, causes the processor to perform the steps of: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user; sending a user intention verification request to a verification node, wherein the user intention verification request carries a loan application identifier; and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is the user information corresponding to the loan application identifier obtained by the verification node from the block chain, and the verification result is obtained by verifying the user intention based on the user information and is stored in the block chain in association with the loan application identifier.
In one embodiment, the computer program causes the processor to specifically perform the following steps when performing the steps of obtaining loan application information of a user, storing the loan application information on a block chain, and causing the block chain to store the loan application information and a loan application identifier associated with the loan application information: obtaining loan application information of a user, and generating a loan application identifier based on the loan application information; and storing the loan application information and the loan application identification in a block chain in an associated manner.
In one embodiment, the computer program causes the processor to specifically perform the following steps when performing the steps of obtaining loan application information of a user, storing the loan application information on a block chain, and causing the block chain to store the loan application information and a loan application identifier associated with the loan application information: obtaining loan application information of a user, and storing the loan application information to a block chain so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information; and receiving the loan application identification returned by the block chain.
In one embodiment, the computer program causes the processor to further perform the steps of: and storing the user intention verification request and the loan application identification in association with each other on the block chain.
In one embodiment, the computer program causes the processor, when executing the step of obtaining the authentication result obtained by the authentication node based on the user intention authentication request, to specifically execute the following steps: and receiving a first verification response returned by the verification node, wherein the first verification response carries a verification result obtained based on the user intention verification request and a loan application identifier.
In one embodiment, the computer program causes the processor, after executing the receiving of the first authentication response returned by the authentication node, to further perform the steps of: inquiring from the block chain to obtain a verification result associated with the loan application identifier; and verifying the authenticity of the verification result carried in the first verification response based on the verification result obtained by the query.
In one embodiment, the computer program causes the processor, when executing the step of obtaining the authentication result obtained by the authentication node based on the user intention authentication request, to specifically execute the following steps: receiving a second verification response returned by the verification node, wherein the second verification response carries the loan application identifier; and obtaining a verification result associated with the loan application identification from the block chain inquiry.
In one embodiment, the computer program causes the processor to further perform the steps of: and if the verification result is that the verification is passed, paying the account corresponding to the user according to the loan application information, generating loan record information, and storing the loan record information and the loan application identifier in a block chain in an associated manner.
It should be understood that the terms "first", "second", "third", etc. in the above embodiments are used for descriptive purposes only and are not to be construed as indicating or implying relative importance or implying any number of technical features indicated.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by a computer program, which can be stored in a non-volatile computer-readable storage medium, and can include the processes of the embodiments of the methods described above when the program is executed. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the present application. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A user intention determination method based on a block chain comprises the following steps:
obtaining loan application information of a user, and storing the loan application information to a block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information; the loan application information comprises user information of the user;
sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and obtaining a verification result obtained by the verification node based on the user intention verification request, wherein the verification result is that the verification node obtains the user information corresponding to the loan application identifier from the block chain, and the verification result is associated with the loan application identifier and stored in the block chain based on the result obtained by verifying the user intention of the user information.
2. The method of claim 1, wherein the method comprises obtaining loan application information of a user, and storing the loan application information on a block chain, so that the block chain stores the loan application information and a loan application identifier associated with the loan application information, and comprises any one of the following two items:
the first item:
obtaining loan application information of a user, and generating a loan application identifier based on the loan application information;
storing the loan application information and the loan application identification in a block chain in an associated manner;
the second term is:
obtaining loan application information of a user, and storing the loan application information to a block chain, so that the block chain stores the loan application information and generates a loan application identifier associated with the loan application information;
and receiving the loan application identification returned by the block chain.
3. The method of claim 1, further comprising: and storing the user intention verification request and the loan application identifier in the block chain in an associated manner.
4. The method of claim 1, wherein obtaining the authentication result obtained by the authentication node based on the user intention authentication request comprises:
and receiving a first verification response returned by the verification node, wherein the first verification response carries a verification result obtained based on the user intention verification request and the loan application identifier.
5. The method of claim 4, after receiving the first authentication response returned by the authentication node, further comprising:
inquiring from the block chain to obtain a verification result associated with the loan application identification;
and verifying the authenticity of the verification result carried in the first verification response based on the verification result obtained by the query.
6. The method of claim 1, wherein obtaining the authentication result obtained by the authentication node based on the user intention authentication request comprises:
receiving a second verification response returned by the verification node, wherein the second verification response carries the loan application identifier;
and inquiring from the block chain to obtain a verification result associated with the loan application identification.
7. The method of any one of claims 1 to 6, further comprising: and if the verification result is that the verification is passed, paying the account corresponding to the user according to the loan application information, generating loan record information, and storing the loan record information and the loan application identifier to the block chain in an associated manner.
8. An apparatus for block chain based user intent determination, the apparatus comprising:
the first acquisition module is used for acquiring loan application information of a user; the loan application information comprises user information of the user;
the storage module is used for storing the loan application information to a block chain so that the block chain stores the loan application information and a loan application identifier associated with the loan application information;
the sending module is used for sending a user intention verification request to a verification node, wherein the user intention verification request carries the loan application identifier;
and the second acquisition module is used for acquiring an authentication result obtained by the authentication node based on the user intention authentication request, wherein the authentication result is that the authentication node acquires the user information corresponding to the loan application identifier from the block chain, the result obtained by verifying the user intention based on the user information is obtained, and the authentication result and the loan application identifier are stored in the block chain in a correlated manner.
9. A computer-readable storage medium, storing a computer program which, when executed by a processor, causes the processor to carry out the steps of the method according to any one of claims 1 to 7.
10. A computer device comprising a memory and a processor, the memory storing a computer program that, when executed by the processor, causes the processor to perform the steps of the method according to any one of claims 1 to 7.
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