CN111402029B - Intelligent evaluation method and device based on blockchain and knowledge federation - Google Patents
Intelligent evaluation method and device based on blockchain and knowledge federation Download PDFInfo
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Abstract
The embodiment of the invention provides a method and a device for intelligent evaluation based on a blockchain and a knowledge federation, which are applied to a blockchain system comprising knowledge federation nodes, wherein the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of a user are inquired from the blockchain system by receiving an evaluation request based on the user of a target accounting node, an evaluation result is determined based on the credit values, the issuing values and an evaluation model, and the evaluation result is returned to the technical means of the target accounting node.
Description
Technical Field
The invention relates to the technical field of computers and blockchains, in particular to a blockchain and knowledge federation-based intelligent evaluation method and device.
Background
With the gradual start of the consumer credit market, consumer finance has a broad market prospect, and loan business has spread from traditional commercial banks to cash lending platforms.
Generally, the act of the same lender placing a demand for a lender at two or more financial institutions is referred to as "multi-headed co-debt". At present, financial institutions mostly adopt a mode of giving users comprehensive credit line to determine the borrowed credit line, but due to asymmetric information, each institution can only inquire the asset classification condition of the users during credit examination, and the used credit line of the users in each financial institution is difficult to inquire. Lending to multiple parties necessarily involves a higher risk due to the limited ability of individual users to be paid. And as the circles pay more attention to the security protection of user data, all institutions cannot disclose the mastered data.
At present, the related art has the problems that the financial institutions grasp the user information asymmetrically and incompletely, and the user information is safe.
Therefore, a new intelligent evaluation method and device based on blockchain and knowledge federation are needed, and the problems of asymmetry and incompleteness of user information are overcome while the safety of the user information is ensured.
The above information disclosed in the background section is only for enhancement of understanding of the background of the disclosure and therefore it may include information that does not form the prior art that is already known to a person of ordinary skill in the art.
Disclosure of Invention
In view of the above, the invention provides a method and a device for intelligent evaluation based on blockchain and knowledge federation, which at least realize the aim of ensuring the safety of user information to a certain extent and simultaneously solve the problems of asymmetry and incompleteness of the user information.
Other features and advantages of the invention will be apparent from the following detailed description, or may be learned by the practice of the invention.
According to an aspect of an embodiment of the present invention, there is provided a method for intelligent evaluation based on a blockchain and a knowledge federation, applied to a blockchain system including a knowledge federation node, the blockchain system further including a multi-accounting node storing user trust values and issuing values, the method being performed by the knowledge federation node, wherein the method includes: receiving a user-based evaluation request of a target billing node; inquiring the credit value and issuing value of the user from the blockchain system; determining an evaluation result based on the trust value, the release value and an evaluation model; and returning the evaluation result to the target billing node.
In some exemplary embodiments of the present invention, based on the foregoing scheme, determining an evaluation result based on the trust value, the issuance value, and an evaluation model includes: obtaining an evaluation model from a knowledge base; and determining an evaluation result based on the trust value, the release value and the evaluation model.
In some exemplary embodiments of the present invention, based on the foregoing scheme, determining an evaluation result based on the trust value, the issuance value, and an evaluation model includes: acquiring a trust model and issuing a numerical model from the knowledge base; determining a trust result based on the trust model and the trust value; determining a dispensing result based on the dispensing numerical model and the dispensing numerical value; and determining an evaluation result based on the evaluation model, the trust result and the issuing result.
In some exemplary embodiments of the present invention, based on the foregoing scheme, the trust value and the release value of the user recorded in the blockchain system are stored as ciphertext; determining a trust result based on the trust model and the trust value, including: determining a trust result in a plaintext form based on the trust value in the ciphertext form; determining a dispensing result based on the dispensing numerical model and the dispensing numerical value, including: determining a release result in a plaintext form based on the release value in the ciphertext form and the release value model; determining an evaluation result based on the evaluation model, the trust result and the issuing result, including: acquiring a credit result in a ciphertext mode and a release result in the ciphertext mode; and determining an evaluation result in a plaintext form based on the evaluation model, the trust result in the ciphertext form and the release result in the ciphertext form.
In some exemplary embodiments of the present invention, based on the foregoing scheme, obtaining the trust result in the ciphertext form and the issuing result in the ciphertext form includes: and sending the plaintext form credit result and the plaintext form issuing result to a checkout node in the blockchain system, so that the checkout node encodes the plaintext form credit result and the plaintext form issuing result into a ciphertext form credit result and a ciphertext form issuing result by using an encoding model.
According to another aspect of the embodiment of the present invention, there is provided a method for intelligent evaluation based on blockchain and knowledge federation, applied to a blockchain system including knowledge federation nodes, the blockchain system further including multiple accounting nodes storing user trust values and issuing values, the method being performed by any one of the accounting nodes, wherein the method includes: receiving a value issuing request initiated by a user, and determining a credit value of the user; storing the trust value and the issuing value to the blockchain system in a ciphertext mode; sending an evaluation request based on the user to the knowledge federation node so that the knowledge federation node inquires a credit value and a release value of the user from the blockchain system, and determining an evaluation result based on the credit value, the release value and an evaluation model; and receiving the evaluation result and updating the issuing numerical value of the user in the blockchain system based on the evaluation result.
According to yet another aspect of an embodiment of the present invention, there is provided an intelligent evaluation apparatus based on a blockchain and knowledge federation, applied to a blockchain system including knowledge federation nodes, wherein the apparatus includes: a receiving module configured to receive a user-based evaluation request of a target billing node; the evaluation module is configured to inquire the credit giving value and the issuing value of the user from the blockchain system; a determining module configured to determine an evaluation result based on the credit value, the release value, and an evaluation model; and the return module is configured to return the evaluation result to the target billing node.
In some exemplary embodiments of the present invention, based on the foregoing, the determining module includes: an acquisition unit configured to acquire an evaluation model from a knowledge base; and a determining unit configured to determine an evaluation result based on the credit value, the distribution value, and the evaluation model.
In some exemplary embodiments of the present invention, based on the foregoing solution, the obtaining unit is configured to obtain a trust model and a release numerical model from the knowledge base; the determination unit includes: a first determining subunit configured to determine a trust result based on the trust model and the trust value; a second determination subunit configured to determine a dispensing result based on the dispensing numerical model and the dispensing numerical value; and a third determination subunit configured to determine an evaluation result based on the evaluation model, the trust result, and the issuing result.
In some exemplary embodiments of the present invention, based on the foregoing scheme, the trust value and the release value of the user recorded in the blockchain system are stored as ciphertext; the first determining subunit is configured to determine a trust result in a plaintext form based on the trust model and the trust value in a ciphertext form; the second determining subunit is configured to determine a release result in a plaintext form based on the release numerical model and the release numerical value in a ciphertext form; the third determining subunit is configured to obtain a trust result in a ciphertext form and a release result in the ciphertext form; and determining an evaluation result in a plaintext form based on the evaluation model, the trust result in the ciphertext form and the release result in the ciphertext form.
In some exemplary embodiments of the present invention, based on the foregoing, the third determining subunit is configured to send the trust result in the plaintext form and the release result in the plaintext form to a checkout node in the blockchain system, so that the checkout node encodes the trust result in the plaintext form and the release result in the plaintext form into the trust result in the ciphertext form and the release result in the ciphertext form by using an encoding model.
According to yet another aspect of an embodiment of the present invention, there is provided an intelligent evaluation apparatus based on a blockchain and knowledge federation, applied to a blockchain system including knowledge federation nodes, wherein the apparatus includes: the determining module is configured to receive a numerical value issuing request initiated by a user and determine a credit authorization value of the user; the storage module is configured to store the credit value and the issuing value to the blockchain system in a ciphertext mode; the sending module is configured to send an evaluation request based on the user to the knowledge federation node so that the knowledge federation node inquires a credit value and a release value of the user from the blockchain system, and determines an evaluation result based on the credit value, the release value and an evaluation model; and the receiving module is configured to receive the evaluation result and update the issuing numerical value of the user in the blockchain system based on the evaluation result.
According to a further aspect of embodiments of the present invention, there is provided a computer readable storage medium having stored thereon a computer program, wherein the program when executed by a processor implements the method steps of the first aspect.
According to still another aspect of an embodiment of the present invention, there is provided an electronic apparatus, including: one or more processors; storage means for storing one or more programs which when executed by the one or more processors cause the one or more processors to carry out the method steps as described in the first aspect.
The embodiment of the invention is applied to a blockchain system comprising knowledge federation nodes, the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of the users are inquired from the blockchain system by receiving an evaluation request based on the users of the target accounting node, evaluation results are determined based on the credit values, the issuing values and an evaluation model, and the evaluation results are returned to the target accounting node.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the invention as claimed.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the invention and together with the description, serve to explain the principles of the invention. It is evident that the drawings in the following description are only some embodiments of the present invention and that other drawings may be obtained from these drawings without inventive effort for a person of ordinary skill in the art. In the drawings:
FIG. 1 is an architecture diagram of a blockchain system shown in accordance with an exemplary embodiment;
FIG. 2 is a flowchart illustrating a method of blockchain and knowledge federal based intelligent assessment in accordance with an exemplary embodiment;
FIG. 3 is a flowchart illustrating a method of blockchain and knowledge federal based intelligent assessment in accordance with an exemplary embodiment;
FIG. 4 is a schematic diagram illustrating a data flow of a method of blockchain and knowledge federal based intelligent evaluation in accordance with an exemplary embodiment;
FIG. 5 is a schematic diagram illustrating an apparatus for intelligent blockchain and knowledge federation based assessment in accordance with an exemplary embodiment;
FIG. 6 is a schematic diagram illustrating another apparatus for blockchain and knowledge federal based intelligent assessment in accordance with an exemplary embodiment;
Fig. 7 is a schematic diagram of an electronic device according to an exemplary embodiment.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. However, the exemplary embodiments can be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the example embodiments to those skilled in the art. The same reference numerals in the drawings denote the same or similar parts, and thus a repetitive description thereof will be omitted.
Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the invention. One skilled in the relevant art will recognize, however, that the invention may be practiced without one or more of the specific details, or with other methods, components, devices, steps, etc. In other instances, well-known methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring aspects of the invention.
The block diagrams depicted in the figures are merely functional entities and do not necessarily correspond to physically separate entities. That is, the functional entities may be implemented in software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.
The flow diagrams depicted in the figures are exemplary only, and do not necessarily include all of the elements and operations/steps, nor must they be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the order of actual execution may be changed according to actual situations.
It will be understood that, although the terms first, second, third, etc. may be used herein to describe various components, these components should not be limited by these terms. These terms are used to distinguish one element from another element. Accordingly, a first component discussed below could be termed a second component without departing from the teachings of the concepts of the present disclosure. As used herein, the term "and/or" includes any one of the associated listed items and all combinations of one or more.
Those skilled in the art will appreciate that the drawings are schematic representations of example embodiments and that the modules or flows in the drawings are not necessarily required to practice the present disclosure, and therefore, should not be taken to limit the scope of the present disclosure.
The blockchain system proposed in the embodiments of the present invention is described in detail below with reference to specific embodiments.
FIG. 1 is a block chain system architecture diagram shown in accordance with an exemplary embodiment. As shown in fig. 1, the blockchain system includes a plurality of billing nodes and knowledge federation nodes. The accounting node and the knowledge federation node share a data block. In the embodiment of the invention, the accounting node can be a banking institution of each bank and can provide the banking institution for the user with loan behaviors, so that the credit value and the issuing value of the user are not allowed to be directly provided out in order to ensure that the information of the user cannot be leaked. In the embodiment of the invention, the block chain and knowledge federation mode is adopted, so that the user data security is ensured while the non-falsification of the user data is ensured by adopting the block chain and knowledge federation mode in the embodiment of the invention. In the embodiment of the invention, each financial institution encrypts financial information such as credit values, issuing values and the like of each user (specifically, each user identifier), the encrypted data ciphertext is uploaded into a blockchain to form an accounting, so that the non-falsification of the transaction behavior of the user is ensured, and an attacker cannot directly analyze the content of the data ciphertext even if the attacker acquires related ciphertext data because the data ciphertext. Each billing node extracts the account book of the corresponding user from the block chain account book address information by sending the account book address information to the knowledge federation node, thereby realizing the account book acquisition from the block chain, performing federal calculation or learning on the data ciphertext in the account book, and forming a knowledge federation through the data provided by a plurality of participating institutions. For example, the data blocks recorded by each accounting node may be obtained from each data block in the blockchain system, and the obtained trust value and the distribution value of the user may be calculated from each model stored in the knowledge base, so as to obtain an evaluation result, and upload a part of the evaluation result to the blockchain. In the embodiment of the invention, in order to ensure that the user data does not leave each participating mechanism and can quickly respond to the evaluation request of the user, an accurate evaluation result is obtained, and each model in the account book and the knowledge base corresponding to the user in the blockchain is required to be relied on.
If there are more billing nodes, the more financial institutions that are added to the blockchain system will be described, the more comprehensive the user will be in terms of the information at the plurality of financial institutions. If one of the accounting nodes receives the user's request, the knowledge federal node can acquire the credit values and the release values of the user at each financial institution from all the accounting nodes in the blockchain system, so that the acquired user information is more comprehensive, and the evaluation result of the user is more accurate.
It should be noted that, the user trusted value and the issued value recorded on the block are both stored in an encrypted form. The common information among the billing nodes is encrypted, but no direct communication relationship exists among the billing nodes, so that the security of the user information among the billing nodes is realized. For the knowledge federation node, when the evaluation result is determined based on the credit giving value and the issuing value of the user, various operations are directly performed based on the ciphertext, so that the security of data between each billing determination and the knowledge federation node is also realized.
It should also be noted that, for each billing node, when receiving a request for a user to issue a value, it may determine the user's credit value based on the user's financial information, encrypt the credit value and the issue value, and upload the encrypted credit value to the blockchain. And updating the issued numerical value of the user recorded in the blockchain system after receiving the evaluation result of the knowledge federation node subsequently.
The method for intelligent evaluation based on blockchain and knowledge federation according to the embodiment of the present invention is described in detail below with reference to specific embodiments. It should be noted that the method may be applied to a blockchain system including a knowledge federal node, where the blockchain system further includes a multi-accounting node storing user trust values and issuing values, and the method is performed by the knowledge federal node, where the knowledge federal node may be any device with computing processing capability, for example: the server and/or the terminal device, but the present invention is not limited thereto.
FIG. 2 is a flowchart illustrating a method of blockchain and knowledge federal based intelligent assessment in accordance with an exemplary embodiment.
As shown in fig. 2, the method may include, but is not limited to, the steps of:
in S210, a user based evaluation request of the target billing node is received.
In the present example, the target accounting node may be any one of the accounting nodes in the blockchain system. When the target accounting node receives a request of a user for issuing a numerical value, the trust numerical value of the user can be determined based on the financial information of the user, the trust numerical value and the issuing numerical value are respectively encrypted and then uploaded to a blockchain, and an evaluation request based on the user is initiated to a knowledge federal node, wherein the evaluation request carries a user identifier.
It should be noted that, the target accounting node may initiate the evaluation request to the knowledge federation node based on the blockchain, or may directly initiate the evaluation request to the knowledge federation node.
In S220, the trust value and the distribution value of the user are queried from the blockchain system.
In the embodiment of the invention, the user identification, the credit value and the release value recorded in the blockchain system are stored as ciphertext.
It should be noted that, each user identifier stored in the ciphertext in the blockchain is obtained by adopting the same desensitization mode, so as to ensure that the ciphertext after desensitization of the same user identifier is the same. The credit value and the issuing value are obtained after being encoded by the encoder of the accounting node, and the encoders of the accounting nodes are the same, so that the same credit value or issuing value is the same as the credit value or issuing value in the corresponding ciphertext form. Each billing node sends account book address information to the knowledge federation node, so that the knowledge federation node extracts the account book of the corresponding user from the blockchain account book address information, and the credit value and the issuing value of the user are inquired from the blockchain.
After receiving the evaluation request of the target accounting node based on the user, desensitizing the user identifier carried by the evaluation request, the credit authorization value and the issuing value of the ciphertext form corresponding to the user desensitized identifier recorded by each accounting node can be obtained from the blockchain system.
It should be noted that the knowledge federation node obtains, from the blockchain, the trust value and the issuing value of the ciphertext form corresponding to the user desensitized identifier recorded by each accounting node, where the issuing value of the target accounting node is recorded in the blockchain in the ciphertext form based on the issuing value of the user, and determines the trust value of the user based on the financial information of the user.
In S230, an evaluation result is determined based on the trust value, the issue value, and an evaluation model.
According to the embodiment of the invention, when the evaluation result is determined, an evaluation model can be obtained from a knowledge base, and the evaluation result is determined based on the evaluation model, the credit value and the release value.
According to the embodiment of the invention, the trust model and the issuing numerical model can be obtained from the knowledge base, then the trust result is determined based on the trust model and the trust numerical value, the issuing result is determined based on the issuing numerical model and the issuing numerical value, and the evaluation result is determined based on the evaluation model, the trust result and the issuing result.
It should be noted that, in the embodiment of the present invention, each financial institution terminal has the same encoder, and the trust model, the issuing numerical model and the evaluation model in the knowledge base of the knowledge federal node correspond to one calculation mode, and each model is a decoder formed by a multi-layer neural network. The encoder is used for encoding and encrypting the user information, the decoder performs corresponding operation on the ciphertext space generated by the encoder, the obtained calculation result can be plaintext or ciphertext, and the calculation result is the same as the plaintext calculation result obtained by calculating the data to be calculated in the plaintext state (if the calculation result is ciphertext, the calculation result is the same as the ciphertext obtained by encoding the plaintext result by the encoder).
According to the embodiment of the invention, the trust result in the plaintext form can be determined based on the trust model and the trust value in the ciphertext form, the release result in the plaintext form can be determined based on the release value model and the release value in the ciphertext form, the trust result in the ciphertext form and the release result in the ciphertext form are obtained when the evaluation result is determined, and the evaluation result in the plaintext form is determined based on the evaluation model, the trust result in the ciphertext form and the release result in the ciphertext form. Wherein, the evaluation result can also be in the form of ciphertext.
In the embodiment of the invention, after the plaintext form of the trust result and the issuing result are obtained, the plaintext form of the trust result and the plaintext form of the issuing result can be sent to a checkout node in the blockchain system, so that the checkout node encodes the plaintext form of the trust result and the ciphertext form of the issuing result by using an encoding model.
After determining the trust result in the ciphertext form, the trust result in the ciphertext form may be stored in the blockchain system. After determining the ciphertext form of the issuance result, the ciphertext form of the issuance result may be stored to the blockchain system. If the evaluation result in the ciphertext form is determined, the evaluation result in the ciphertext form can be uploaded to the blockchain system.
It should be noted that the evaluation result may be a proportional value, which is used to represent a proportional relationship between the issued value of the user and the maximum trusted value of the user, and if the proportional value is larger, it indicates that the issued value of the user is far greater than the trusted value of the user, and if the proportional value is smaller, it is closer to 0, it indicates that the issued value of the user is far less than the trusted value of the user.
For example, user U has acquired an issue value of 2000 yuan at 1 financial institution A. Financial institution A determines 2300 elements of its credit value based on the user's financial information, such as income, and the financial institution A encrypts the credit value and the issued value and stores the encrypted credit value in the blockchain system. Now, the user U applies for a value (loan) 2800 to the financial institution B, and the financial institution B determines that the credit value is 3000 based on the financial information of the user U, so that the financial institution B uploads 3000 the credit value and the ciphertext of the value 2800 to the blockchain for accounting, thereby ensuring that the financial institution B is real and can not be tampered. And sending an evaluation request based on the user U to the knowledge federation node, and inquiring the credit giving value and the issuing value of the user U from the blockchain by the knowledge federation. Table 1 shows the credit and debit values for financial institutions A and B in the form of ciphertext obtained from a blockchain as provided in an embodiment of the present invention. The following are provided:
| UID | Field1 | Field2 |
| Y3af4z1u | jeo38zbh | sexpajfe6 |
| Y3af4z1u | yuv4nnff | eeofjea2 |
TABLE 1
As shown in table 1, the financial institutions a and B desensitize the user identifier, and the same desensitization mode is used, the information of the same user identifier after desensitization is the same, and after the user U is obtained, the corresponding desensitization identifier is obtained through desensitization: and (3) searching the record corresponding to the desensitized user identifier Y3af4z1u from the blockchain. Where Field1 represents the ciphertext of the trusted value and Field2 represents the ciphertext of the issued value. The same encryption encoder is used at financial institutions a and B to generate ciphertext in fields 1 and 2. After the above table 1 is obtained, the Field1 is calculated based on the trust model to obtain the trust result. And calculating the Field2 based on the dispensing numerical model to obtain a dispensing result. The following formula:
Filed1 T ＝Op1(Field1 A ，Field1 B ) (1)
Field2 T ＝Op2(Field2 A ，Field2 B ). (2)
Wherein, the file 1 T Indicating the obtained trust result in a plaintext form, and Op1 indicates a trust modelThe model is usually calculated by max (maximum value). Field2 T Representing the resulting dispensing result in plain text, op2 represents the dispensing numerical model, typically using sum operations. It should be noted that Op1 and Op2 may be directly operated on the ciphertext without decoding into plaintext, and the result of plaintext is obtained after operation based on the ciphertext, and the result is sent to the financial institution B and/or a by the knowledge federal node, and the result is encoded by the financial institution B and/or a by using the same encoder and then uploaded to the blockchain.
In the process of obtaining the Filed1 T Field2 T After that, the file 1 can be used T Field2 T Ciphertext (File 1' T Field2' T ) Uploading to the blockchain system (by sending the obtained plaintext results to financial institutions B and/or A, which encode the results with their same encoders and upload to the blockchain), recording the current operation into the blockchain for subsequent possible evaluation results based on the number of times.
In the process of adding Filed1' T Field2' T After uploading to the blockchain, the knowledge federation node obtains Filed1 'from the blockchain' T Field2' T Based on the evaluation model, the method is used for the Filed1' T Field2' T And after the operation, obtaining an evaluation result. The following formula:
Risk U ＝Op3(Field2’ T ， Field1’ T ) (3)
wherein, risk U Representing the obtained evaluation result in a plaintext form, op3 represents an evaluation model, and usually adopts a divide operation. It should be noted that Op3 may operate directly on ciphertext without decoding into plaintext first, and may obtain a plaintext result after performing the operation based on ciphertext.
Note that Op1, op2, and Op3 in the embodiment of the present invention are not limited to the above-described operations, and Op1, op3, and Op3 may be related to the number of evaluations, financial institutions, and the like, for example.
In S240, the evaluation result is returned to the target billing node.
When the knowledge federal node obtains the evaluation result, the evaluation result is returned to the target billing node, which can reference the evaluation to determine whether to issue a value to the user. And updates the issue value that has been recorded into the blockchain based on whether it has issued value. For example, if the target billing node does not ultimately issue a value to the user, the issued value is subtracted from the record in the blockchain.
The embodiment of the invention is applied to a blockchain system comprising knowledge federation nodes, the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of the users are inquired from the blockchain system by receiving an evaluation request based on the users of the target accounting node, evaluation results are determined based on the credit values, the issuing values and an evaluation model, and the evaluation results are returned to the target accounting node.
The method for intelligent evaluation based on blockchain and knowledge federation according to the embodiment of the present invention is described in detail below with reference to specific embodiments. It should be noted that the method may be applied to a blockchain system including knowledge federal nodes, where the blockchain system further includes multiple accounting nodes storing user trust values and issuing values, and the method is performed by any accounting node, where any accounting node may be any device with computing processing capability, for example: the server and/or the terminal device, but the present invention is not limited thereto.
FIG. 3 is a flowchart illustrating a method of blockchain and knowledge federal based intelligent assessment in accordance with an exemplary embodiment.
As shown in fig. 3, the method may include, but is not limited to, the steps of:
in S310, a request for issuing a value initiated by a user is received, and a trusted value of the user is determined.
In the embodiment of the invention, after any accounting node in the blockchain receives a request for issuing a numerical value from a user, the credit authorization numerical value of the user can be determined based on the financial information of the user.
In S320, the trust value and the distribution value are stored in the blockchain system in ciphertext form.
According to the embodiment of the invention, each billing node is provided with the same encoder, and after the billing node obtains the credit value and the issuing value of the user, the credit value and the issuing value of the user are encoded by the encoder, and then ciphertext of the credit value and the issuing value is obtained and stored in a blockchain.
According to the embodiment of the invention, when any accounting node in the blockchain receives a request for issuing a value from a user, after determining a credit value, the issuing value in ciphertext form and the credit value are stored in the blockchain, because for each accounting node, it is required to judge the evaluation result of the user, rather than the current evaluation result of the user, after issuing the value to the user.
In S330, an evaluation request based on the user is sent to the knowledge federation node, so that the knowledge federation node queries the trust value and the issuing value of the user from the blockchain system, and determines an evaluation result based on the trust value, the issuing value and an evaluation model.
In the embodiment of the invention, the evaluation request can be initiated to the knowledge federation node based on the blockchain, and the evaluation request can also be directly initiated to the knowledge federation node. The knowledge federation node searches the trusted value and the issued value of the ciphertext form corresponding to the user desensitized mark from the knowledge federation formed by all nodes in the blockchain based on the desensitized mark of the user mark carried in the user evaluation request, determines an evaluation result based on a model in a knowledge base, and returns the evaluation result to the accounting node.
In S340, the evaluation result is received, and the issue value of the user in the blockchain system is updated based on the evaluation result.
In embodiments of the present invention, the billing node may determine whether to issue a value to the user based on the evaluation. For example, a threshold may be set, and if the evaluation result is greater than the threshold, no value is issued to the user, and the issued value that has been recorded in the blockchain is updated based on whether it is issued. For example, if the target billing node does not ultimately issue a value to the user, the issued value is subtracted from the record in the blockchain. If the evaluation result is not greater than the threshold, a value is issued to the user and the issued value recorded in the blockchain is updated according to whether the value is issued. For example, if the target billing node eventually issues a value to the user, then a subtraction of 0 is recorded in the blockchain, or a difference between the recorded value and the actual value is recorded in the blockchain, or subtracted, based on the actual value, so that the updated value is equal to the actual value.
In the embodiment of the invention, based on a blockchain system comprising a plurality of accounting nodes and knowledge federal nodes, the problems of asymmetric and incomplete user information are solved while the safety of the user information is ensured, and the accuracy of an evaluation result is improved.
FIG. 4 is a schematic diagram illustrating a data flow of a method of blockchain and knowledge federal based intelligent assessment, according to an example embodiment.
As shown in fig. 4, a plurality of billing nodes (only one illustrated in fig. 4) and knowledge federal nodes may be included in the blockchain system.
In S401, the accounting node receives a request for issuing a value initiated by a user and determines a credit value for the user.
In S402, a billing node stores the trust value and the issue value in ciphertext form to the blockchain system.
In S403, the accounting node sends an evaluation request based on the user to the knowledge federal node.
In S404, the knowledge federation node queries the blockchain system for the trust value and the issue value of the user.
In S405, the knowledge federal node determines an evaluation result based on the trust value, the issuance value, and the evaluation model.
In S406, the knowledge federal node returns the evaluation result to the billing node.
In S407, the billing node receives the evaluation result and determines whether to issue a numerical value to the user.
In S408, the issue value of the user in the blockchain system is updated.
The embodiment of the invention is applied to a blockchain system comprising knowledge federation nodes, the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of the users are inquired from the blockchain system by receiving an evaluation request based on the users of the target accounting node, evaluation results are determined based on the credit values, the issuing values and an evaluation model, and the evaluation results are returned to the target accounting node.
It should be clearly understood that the present invention describes how to make and use specific examples, but the principles of the present invention are not limited to any details of these examples. Rather, these principles can be applied to many other embodiments based on the teachings of the present disclosure.
The following are examples of the apparatus of the present invention that may be used to perform the method embodiments of the present invention. In the following description of the system, the same parts as the previous method will not be repeated.
FIG. 5 is a schematic diagram illustrating an apparatus for blockchain and knowledge federal based intelligent assessment, wherein the apparatus 500 includes: a receiving module 510, an evaluating module 520, a determining module 530 and a returning module 540.
A receiving module 510 is configured to receive a user based evaluation request of the target billing node.
An evaluation module 520 is configured to query the blockchain system for the trust value and the issue value of the user.
A determining module 530 configured to determine an evaluation result based on the trust value, the issue number, and an evaluation model value.
A return module 540 configured to return the evaluation result to the target billing node.
The embodiment of the invention is applied to a blockchain system comprising knowledge federation nodes, the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of the users are inquired from the blockchain system by receiving an evaluation request based on the users of the target accounting node, evaluation results are determined based on the credit values, the issuing values and an evaluation model, and the evaluation results are returned to the target accounting node.
FIG. 6 is a schematic diagram of another apparatus for blockchain and knowledge federal based intelligent assessment, according to an example embodiment, wherein the apparatus 600 includes: a determining module 610, a storing module 620, a transmitting module 630 and a receiving module 640.
The determining module 610 is configured to receive a request for issuing a value initiated by a user and determine a trusted value of the user.
The storage module 620 is configured to store the trust value and the issue value in the blockchain system in a ciphertext form.
And the sending module 630 is configured to send an evaluation request based on the user to the knowledge federation node, so that the knowledge federation node queries the credit value and the issuing value of the user from the blockchain system, and determines an evaluation result based on the credit value, the issuing value and an evaluation model.
A receiving module 640 configured to receive the evaluation result and update the issue value of the user in the blockchain system based on the evaluation result.
The embodiment of the invention is applied to a blockchain system comprising knowledge federation nodes, the blockchain system further comprises a multi-accounting node for storing user credit values and issuing values, the credit values and the issuing values of the users are inquired from the blockchain system by receiving an evaluation request based on the users of the target accounting node, evaluation results are determined based on the credit values, the issuing values and an evaluation model, and the evaluation results are returned to the target accounting node.
Fig. 7 is a schematic diagram of an electronic device according to an exemplary embodiment. It should be noted that the electronic device shown in fig. 7 is only an example, and should not impose any limitation on the functions and application scope of the embodiments of the present application.
As shown in fig. 7, the computer system 700 includes a Central Processing Unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 702 or a program loaded from a storage section 708 into a Random Access Memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, ROM 702, and RAM 703 are connected to each other through a bus 704. An input/output (I/O) interface 705 is also connected to bus 704.
The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, and the like; an output portion 707 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 708 including a hard disk or the like; and a communication section 709 including a network interface card such as a LAN card, a modem, or the like. The communication section 709 performs communication processing via a network such as the internet. The drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 710 as necessary, so that a computer program read therefrom is mounted into the storage section 708 as necessary.
In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flowcharts. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 709, and/or installed from the removable medium 711. When executed by a Central Processing Unit (CPU) 701, the computer program performs the above-described functions defined in the terminal of the present application.
It should be noted that the computer readable medium shown in the present application may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present application, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.
The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.
The modules involved in the embodiments described in the present application may be implemented by software, or may be implemented by hardware. The described modules may also be provided in a processor, wherein the names of the modules do not in some cases constitute a limitation of the modules themselves.
Exemplary embodiments of the present invention are specifically illustrated and described above. It is to be understood that this invention is not limited to the precise arrangements, instrumentalities and instrumentalities described herein; on the contrary, the invention is intended to cover various modifications and equivalent arrangements included within the spirit and scope of the appended claims.
Claims (10)
1. A method of intelligent blockchain and knowledge federation-based assessment for a blockchain system including knowledge federation nodes, the blockchain system further including multiple accounting nodes storing user trust values and issue values, the method performed by the knowledge federation nodes, the method comprising:
receiving a user-based evaluation request of a target billing node;
inquiring the credit value and issuing value of the user from the blockchain system;
determining an evaluation result based on the trust value, the release value and an evaluation model;
and returning the evaluation result to the target billing node.
2. The method of claim 1, wherein determining an evaluation result based on the trust value, the issuance value, and an evaluation model comprises:
obtaining an evaluation model from a knowledge base;
And determining an evaluation result based on the trust value, the release value and the evaluation model.
3. The method of claim 2, wherein the method further comprises:
acquiring a trust model and issuing a numerical model from the knowledge base;
determining an evaluation result based on the trust value, the issuance value, and an evaluation model, including:
determining a trust result based on the trust model and the trust value;
determining a dispensing result based on the dispensing numerical model and the dispensing numerical value;
and determining an evaluation result based on the evaluation model, the trust result and the issuing result.
4. The method of claim 3, wherein the trusted value and the issued value of the user recorded in the blockchain system are stored as ciphertext;
determining a trust result based on the trust model and the trust value, including:
determining a trust result in a plaintext form based on the trust value in the ciphertext form;
determining a dispensing result based on the dispensing numerical model and the dispensing numerical value, including:
determining a release result in a plaintext form based on the release value in the ciphertext form and the release value model;
Determining an evaluation result based on the evaluation model, the trust result and the issuing result, including:
acquiring a credit result in a ciphertext mode and a release result in the ciphertext mode;
and determining an evaluation result in a plaintext form based on the evaluation model, the trust result in the ciphertext form and the release result in the ciphertext form.
5. The method of claim 4, wherein obtaining the trust result in ciphertext form and the issuance result in ciphertext form comprises:
and sending the plaintext form credit result and the plaintext form issuing result to a checkout node in the blockchain system, so that the checkout node encodes the plaintext form credit result and the plaintext form issuing result into a ciphertext form credit result and a ciphertext form issuing result by using an encoding model.
6. A method of intelligent evaluation based on blockchain and knowledge federation, applied to a blockchain system including knowledge federation nodes, the blockchain system further including multiple accounting nodes storing user trust values and issue values, the method performed by any one of the accounting nodes, the method comprising:
Receiving a value issuing request initiated by a user, and determining a credit value of the user;
storing the trust value and the issuing value to the blockchain system in a ciphertext mode;
sending an evaluation request based on the user to the knowledge federation node so that the knowledge federation node inquires a credit value and a release value of the user from the blockchain system, and determining an evaluation result based on the credit value, the release value and an evaluation model;
and receiving the evaluation result and updating the issuing numerical value of the user in the blockchain system based on the evaluation result.
7. An apparatus for intelligent blockchain and knowledge federation-based assessment for a blockchain system including multiple billing nodes, the apparatus comprising:
a receiving module configured to receive a user-based evaluation request of a target billing node;
the evaluation module is configured to inquire the credit giving value and the issuing value of the user from the blockchain system;
a determining module configured to determine an evaluation result based on the credit value, the release value, and an evaluation model;
and the return module is configured to return the evaluation result to the target billing node.
8. An apparatus for intelligent evaluation based on blockchain and knowledge federation for use in a blockchain system including knowledge federation nodes, the apparatus comprising:
the determining module is configured to receive a numerical value issuing request initiated by a user and determine a credit authorization value of the user;
the storage module is configured to store the credit value and the issuing value to the blockchain system in a ciphertext mode;
the sending module is configured to send an evaluation request based on the user to the knowledge federation node so that the knowledge federation node inquires a credit value and a release value of the user from the blockchain system, and determines an evaluation result based on the credit value, the release value and an evaluation model;
and the receiving module is configured to receive the evaluation result and update the issuing numerical value of the user in the blockchain system based on the evaluation result.
9. An electronic device, comprising:
one or more processors;
a storage means for storing one or more programs;
when executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-6.
10. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-6.
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