CN111598681A - Credit evaluation method, credit evaluation system and readable storage medium - Google Patents
Credit evaluation method, credit evaluation system and readable storage medium Download PDFInfo
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Abstract
The invention discloses a credit assessment method, which comprises the following steps: the method comprises the steps of obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record; updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score; and sending the second credit score to other block chain nodes so that all the block chain nodes update the credit score of the evaluation object to be the second credit score. The invention also discloses a credit evaluation system and a computer readable storage medium, which achieve the effect of improving the accuracy of the credit evaluation result.
Description
Technical Field
The present invention relates to the field of credit evaluation technologies, and in particular, to a credit evaluation method, a credit evaluation system, and a computer-readable storage medium.
Background
With the development of social economy, enterprise credit is often bound with an enterprise image to become an intangible asset of the enterprise. The existing credit assessment method is that a third-party assessment organization collects relevant data by itself, and then generates and issues a credit assessment score according to the records.
Disclosure of Invention
The present invention provides a credit evaluation method, a credit evaluation system and a computer readable storage medium, which are intended to achieve the effect of improving the accuracy of the credit evaluation result.
To achieve the above object, the present invention provides a credit evaluation method, including the steps of:
the method comprises the steps of obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record;
updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score;
and sending the second credit score to other block chain nodes so that all the block chain nodes update the credit score of the evaluation object to be the second credit score.
Optionally, the step of updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score includes:
determining a scoring coefficient corresponding to the first credit score according to the first block link point;
and updating the current credit score of the evaluation object according to the first credit score and the score coefficient to obtain a second credit score.
Optionally, the step of sending the second credit score to other blockchain nodes includes:
acquiring a first public key of the evaluation object;
encrypting the updating record of the credit score of the evaluation object according to the first public key to obtain encrypted data;
and storing the encrypted data and the evaluation object in a correlation manner, and sending the encrypted data to other block chain nodes.
Optionally, after the step of sending the encrypted data to another blockchain node, the method further includes:
receiving a credit scoring query request, and generating a decryption request of encrypted data corresponding to the query request according to the query request;
sending the decryption request to a second block chain node, the second block chain node comprising a first private key of the encrypted data;
and receiving the decryption data fed back by the second block chain link point and outputting the decryption data.
Optionally, after the step of sending the second credit score to other blockchain nodes, the method further includes:
receiving a credit scoring query request, and verifying the authority of a query object corresponding to the query request;
and outputting the second credit score after the authority verification of the query object is successful.
Optionally, after the step of sending the second credit score to other blockchain nodes, the credit evaluation method further includes:
receiving a credit scoring query request;
and when the block chain node corresponding to the query request is a member in a union block chain, outputting the second credit score.
Optionally, after the step of obtaining the credit record of the evaluation object sent by the blockchain node, the credit evaluation method further includes:
acquiring a second public key corresponding to the first block chain link point;
verifying the digital signature of the credit record according to the second public key;
upon verification, performing the step of determining a first credit score for the assessment target from the credit record.
Optionally, before the step of obtaining the credit record of the evaluation object sent by the blockchain node, the credit evaluation method further includes:
receiving a credit event and acquiring a credit event type corresponding to the credit event;
acquiring a first credit score corresponding to the credit event type;
and generating a credit record according to the credit event and the first credit score, and sending the credit record to other block chain nodes.
In addition, to achieve the above object, the present invention also provides a credit evaluation system, including: a memory, a processor and a credit evaluation program stored on the memory and executable on the processor, the credit evaluation program when executed by the processor implementing the steps of the credit evaluation method as described above.
Furthermore, to achieve the above object, the present invention also proposes a computer-readable storage medium having stored thereon a credit evaluation program, which when executed by a processor implements the steps of the credit evaluation method as described above.
The credit evaluation method, the credit evaluation system and the computer readable storage medium provided by the embodiment of the invention are used for acquiring the credit record of an evaluation object sent by a first block link node, then determining a first credit score corresponding to the evaluation object according to the credit record, and updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score.
Drawings
Fig. 1 is a schematic diagram of a hardware architecture of a terminal according to an embodiment of the present invention;
FIG. 2 is a flowchart illustrating a first embodiment of a credit evaluation method according to the present invention;
FIG. 3 is a flowchart illustrating a credit evaluation method according to a third embodiment of the present invention;
FIG. 4 is a flowchart illustrating a credit evaluation method according to a fourth embodiment of the present invention;
FIG. 5 is a flowchart illustrating a fifth embodiment of a credit evaluation method according to the present invention;
FIG. 6 is a flowchart illustrating a credit evaluation method according to a seventh embodiment of the invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
The existing credit assessment method is that a third-party assessment organization collects relevant data by itself, and then generates and issues a credit assessment score according to the records.
In order to solve the above-mentioned drawbacks, an embodiment of the present invention provides a credit evaluation method, a credit evaluation system, and a computer-readable storage medium, wherein the credit evaluation method mainly includes the following steps:
the method comprises the steps of obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record;
updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score;
and sending the second credit score to other block chain nodes so that all the block chain nodes update the credit score of the evaluation object to be the second credit score.
Due to the fact that the block chain data are not capable of being tampered, the scheme performs credit evaluation on the evaluation object according to the credit records obtained by the block chain nodes, and avoids the situation that the credit evaluation result is inaccurate due to data entry errors, and therefore the effect of improving the accuracy of the credit evaluation result is achieved.
As shown in fig. 1, fig. 1 is a schematic diagram of a hardware architecture of a terminal according to an embodiment of the present invention.
The terminal is a terminal device corresponding to any node in the block chain, and the terminal can be a terminal device such as a PC.
As shown in fig. 1, the terminal may include: a processor 1001, such as a CPU, a user interface 1003, a network interface 1004, a memory 1005, a communication bus 1002. Wherein a communication bus 1002 is used to enable connective communication between these components. The user interface 1003 may comprise a Display screen (Display), an input unit such as a keyboard, etc., and the optional user interface 1003 may also comprise a standard wired interface, a wireless interface. The network interface 1004 may optionally include a standard wired interface, a wireless interface (e.g., WI-FI interface). The memory 1005 may be a high-speed RAM memory or a non-volatile memory (e.g., a magnetic disk memory). The memory 1005 may alternatively be a storage device separate from the processor 1001.
Those skilled in the art will appreciate that the hardware architecture of the terminal shown in fig. 1 does not constitute a limitation of the terminal, and may include more or fewer components than those shown, or some components in combination, or a different arrangement of components.
As shown in fig. 1, a memory 1005, which is a kind of computer storage medium, may include therein an operating system, a network communication module, a user interface module, and a credit evaluation program.
In the terminal shown in fig. 1, the network interface 1004 is mainly used for connecting to a backend server and performing data communication with the backend server; the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005 and perform the following operations:
the method comprises the steps of obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record;
updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score;
and sending the second credit score to other block chain nodes so that all the block chain nodes update the credit score of the evaluation object to be the second credit score.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
determining a scoring coefficient corresponding to the first credit score according to the first block link point;
and updating the current credit score of the evaluation object according to the first credit score and the score coefficient to obtain a second credit score.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
acquiring a first public key of the evaluation object;
encrypting the updating record of the credit score of the evaluation object according to the first public key to obtain encrypted data;
and storing the encrypted data and the evaluation object in a correlation manner, and sending the encrypted data to other block chain nodes.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
receiving a credit scoring query request, and generating a decryption request of encrypted data corresponding to the query request according to the query request;
sending the decryption request to a second block chain node, the second block chain node comprising a first private key of the encrypted data;
and receiving the decryption data fed back by the second block chain link point and outputting the decryption data.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
receiving a credit scoring query request, and verifying the authority of a query object corresponding to the query request;
and outputting the second credit score after the authority verification of the query object is successful.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
receiving a credit scoring query request;
and when the block chain node corresponding to the query request is a member in a union block chain, outputting the second credit score.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
acquiring a second public key corresponding to the first block chain link point;
verifying the digital signature of the credit record according to the second public key;
upon verification, performing the step of determining a first credit score for the assessment target from the credit record.
Further, the processor 1001 may be configured to invoke a credit evaluation program stored in the memory 1005, and further perform the following operations:
receiving a credit event and acquiring a credit event type corresponding to the credit event;
acquiring a first credit score corresponding to the credit event type;
and generating a credit record according to the credit event and the first credit score, and sending the credit record to other block chain nodes.
Referring to fig. 2, in a first embodiment of the credit evaluation method of the present invention, the credit evaluation method includes the steps of:
step S10, obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record;
step S20, updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score;
step S30, sending the second credit score to other blockchain nodes, so that all blockchain nodes update the credit score of the evaluation object to the second credit score.
In this embodiment, the blockchain node is a computer in a blockchain network where the node is located, for example, a smart phone or a desktop computer; the evaluation object is usually a whole enterprise, and when the evaluation object performs industrial and commercial registration, a corresponding credit record book is created on the block chain platform.
The credit record may include: the method comprises the steps of evaluating a target, a credit event of the evaluating target and a first credit score corresponding to the credit event; the first credit score is generated by a mechanism corresponding to the first block link point according to a credit event; the current credit score is the sum of first credit scores corresponding to each credit event of the evaluation object and is recorded in a credit record book corresponding to the evaluation object; and the second credit score is the latest credit score of the evaluation object and is obtained according to the first credit score and the current credit score.
The limited blockchain node can also generate a credit record when receiving the credit record sent by other blockchain nodes.
Limiting the block chain node to send the credit record to other block chain nodes when the credit record is in the block chain node; and all nodes of the blockchain network where the blockchain node is located execute the operation of updating the credit score of the evaluation object when receiving the credit record.
It should be noted that a block link point may connect multiple sub-nodes, where the block link point may be a terminal device corresponding to a certain enterprise or a certain organization.
The processor receives the credit records sent by the first blockchain node, acquires the evaluation object recorded in the credit records, determines a credit record book corresponding to the evaluation object, and then stores the received credit records in the credit record book corresponding to the evaluation object. The processor acquires a first credit score recorded in a credit record, acquires a current credit score of an evaluation object from a credit record book, calculates to obtain a second credit score according to the first credit score and the current credit score, then stores the second credit score on the credit record book corresponding to the evaluation object, and sends the second credit score to other block chain nodes in a block chain network where the node is located, so that all block chains update the credit score of the evaluation object to the second credit score; the processor can also generate an updating record according to the actual credit score and the second credit score, then update the current credit evaluation record of the evaluation object according to the updating record to obtain the latest credit evaluation record, and store the latest credit evaluation record on the credit record book corresponding to the evaluation object.
In the technical scheme disclosed in this embodiment, due to the non-tamper property of the block chain data, the credit evaluation is performed on the evaluation object according to the credit records acquired by the block chain nodes, so that the condition that the credit evaluation result is inaccurate due to data entry errors is avoided, and the effect of improving the accuracy of the credit evaluation result is achieved.
Optionally, based on the first embodiment, in the second embodiment of the credit evaluation method of the present invention, the step S20 further includes the following steps:
step S21, determining a score coefficient corresponding to the first credit score according to the first block link point;
and step S22, updating the current credit score of the evaluation object according to the first credit score and the score coefficient to obtain a second credit score.
In this embodiment, the first blockchain node is a node that generates the first credit score; the scoring coefficient is a scoring coefficient of a certain enterprise or a certain mechanism corresponding to the block link point, and is used for acquiring an actual credit score of a credit event, and the scoring coefficient is increased along with the increase of social public credibility of the mechanism or the enterprise, for example, when the enterprise corresponding to the block link point is a private enterprise, the scoring coefficient is 0.5, when the enterprise corresponding to the block link point is a national enterprise, the scoring coefficient is 1, and when the mechanism corresponding to the block link point is a bank, the scoring coefficient is 2; and when the government organization of the organization corresponding to the block link point is concerned, the scoring coefficient is 3.
The processor obtains a node identifier of a first block chain node, obtains a scoring coefficient corresponding to the node identifier in the memory, multiplies the first credit score and the scoring coefficient to obtain an actual credit score, and adds the actual credit score and the current credit score to obtain a second credit score.
In the technical scheme disclosed in this embodiment, a scoring coefficient is set according to the type of the enterprise or mechanism corresponding to the block link point, then an actual credit score is calculated according to the scoring coefficient, and a second credit score is updated according to the actual credit score, so that when the enterprise or mechanism with low credibility is maliciously scored, the influence on the second credit score of an evaluation object can be reduced, and the effect of improving the credibility of a credit evaluation result is achieved.
Alternatively, referring to fig. 3, in a third embodiment of the credit evaluation method of the present invention based on the first embodiment, the step S30 further includes the following steps:
step S31, acquiring a first public key of the evaluation object;
step S32, according to the first public key, encrypting the updating record of the credit score of the evaluation object to obtain encrypted data;
and step S33, storing the encrypted data and the evaluation object in a correlation mode, and sending the encrypted data to other block chain nodes.
In this embodiment, the update record may include an update time, a second credit score, an actual credit score, and a block identifier of the credit record; the first public key is a public key of an evaluation object.
The processor acquires a first public key corresponding to the evaluation object in the memory, then acquires an update record of the evaluation object, encrypts the update record according to the first public key to obtain encrypted data of the update record of the evaluation object, and then stores the encrypted data in a credit record book corresponding to the evaluation object. Meanwhile, the processor can also acquire a node private key of the node to perform digital signature on the encrypted data, and then send the encrypted data and the corresponding digital signature to other block chain nodes.
The step S33 is followed by the following steps:
step S34, receiving a credit score inquiry request, and generating a decryption request of encrypted data corresponding to the inquiry request according to the inquiry request;
step S35, sending the decryption request to a second block chain node, where the second block chain node includes a first private key of the encrypted data;
and step S36, receiving the decrypted data fed back by the second block link point, and outputting the decrypted data.
In this embodiment, the query request for credit score may include: query objects, evaluation objects and query conditions; the second block chain node is a terminal device corresponding to an evaluation object; the first private key is a private key of an evaluation object and is stored in a memory of a second blockchain node; the decrypted data may include a second credit score of the assessment target or may be an updated record of the second credit score.
The processor receives a credit scoring query request, generates a decryption request according to a query object and a query condition of the query request, determines a second block chain node corresponding to an evaluation object, then sends the decryption request to the second block chain node, so that the second block chain judges whether to agree to decryption according to the decryption request, decrypts encrypted data corresponding to the query condition to obtain decrypted data when agreeing to decryption, and then feeds the decrypted data back to the block chain node sending the decryption request.
The processor receives the decryption data fed back by the second block chain node and outputs the decryption data.
In the technical solution disclosed in this embodiment, by encrypting the second credit score, when the query request is received, the plaintext corresponding to the query request can be obtained only by decrypting the encrypted data by the second block link point, so that the effect of keeping the second credit score secret is achieved.
Alternatively, referring to fig. 4, in a fourth embodiment of the credit evaluation method according to the present invention based on the first embodiment, the step of S30 is further followed by the following steps:
step S40, receiving a credit scoring query request, and verifying the authority of a query object corresponding to the query request;
and step S50, outputting the second credit score after the authority verification of the query object is successful.
In this embodiment, the query request for credit score may include: query objects, evaluation objects, and query conditions.
The processor receives a query request of the credit score, acquires a query object in the query request, verifies the authority of the query object, and outputs a second credit score corresponding to a query condition after the authority of the query object is successfully verified; and when the authority verification of the query object fails, outputting prompt information of the failure of the query.
For example, when the authority of the query object is verified, the processor may determine whether authorization information corresponding to the query object exists in the memory, and when the authorization information corresponding to the query object exists in the memory, determine that the authority of the query object is successfully verified; and when the authorization information corresponding to the query object does not exist in the memory, judging that the authority verification of the query object fails. The processor can also generate an authorization request according to the query object, then sends the authorization request to the block chain link point corresponding to the evaluation object, and judges that the authority verification of the query object is successful when receiving an authorization approval response sent by the block chain node; and when the authorization approval response sent by the blockchain node is not received within the preset time, or when the authorization approval response sent by the blockchain node is not received, judging that the authority verification of the query object fails.
In the technical scheme disclosed in the embodiment, the second credit score is output after the authority of the query object is verified successfully, so that the condition that the second credit score is revealed to an unauthorized node is avoided, and the effect of improving the safety of a credit evaluation result is achieved.
Alternatively, referring to fig. 5, in a fifth embodiment of the credit evaluation method according to the present invention based on the first embodiment, the step of S30 is further followed by the following steps:
step S60, receiving a credit score inquiry request;
and step S70, when the block chain node corresponding to the query request is a member in a federation block chain, outputting the second credit score.
In this embodiment, the query request for credit score may include: query objects, evaluation objects and query conditions; the query object may be a node identification.
The processor receives a query request of credit score, acquires a node identifier in the query request, acquires a block chain link node identifier of a block chain network in which an evaluation object in the memory is located, judges whether the block chain identifier consistent with the node identifier exists or not, judges that the query object is a member in a block chain of an alliance when the block chain identifier consistent with the node identifier exists, then acquires a second credit score corresponding to a query condition, and outputs the second credit score; and when the block chain identification consistent with the node identification does not exist, judging that the query object is not a member in the block chain of the alliance, and outputting prompt information of query failure.
In the technical scheme disclosed in this embodiment, by judging whether the query object is a node in the federation blockchain and outputting the corresponding query data only when the query object is a node in the federation blockchain, the situation that the second credit score is revealed to a non-federation blockchain node is avoided, so that the effect of improving the security of the credit evaluation result is achieved.
Optionally, based on the first embodiment, in a sixth embodiment of the credit evaluation method of the present invention, the step S10 further includes the following steps:
step S11, obtaining the credit record of the evaluation object sent by the first block chain node,
step S12, acquiring a second public key corresponding to the first block chain link point;
step S13, verifying the digital signature of the credit record according to the second public key;
step S14, when the verification is passed, executing the step of determining the first credit score of the evaluation object according to the credit record.
In this embodiment, the second public key is a public key of the first blockchain node, and is stored in the local node memory.
The processor receives a credit record of an evaluation object sent by a first blockchain node, then obtains a node identifier of the first blockchain node, and obtains a second public key corresponding to the node identifier in the memory; and acquiring the digital signature and the hash value in the credit record, decrypting the digital signature according to the second public key to obtain verification data, and comparing the verification data with the hash value. When the verification data and the hash value are consistent, judging that the verification is passed, and then acquiring a first credit score in the credit record; when the verification data and the hash value are consistent, the verification is judged not to be passed, and then the credit record is discarded.
In the technical scheme disclosed in the embodiment, the digital signature of the credit record is verified, and the credit evaluation is performed on the evaluation object according to the credit record when the verification is passed, so that the condition of performing the credit evaluation according to the wrong credit record is avoided, and the effect of improving the accuracy of the credit evaluation result is achieved.
Optionally, referring to fig. 6, in a seventh embodiment of the credit evaluation method according to the present invention based on the first embodiment, the step S10 is preceded by the following steps:
s80, receiving a credit event and acquiring a credit event type corresponding to the credit event;
s90, acquiring a first credit score corresponding to the credit event type;
and S100, generating a credit record according to the credit event and the first credit score, and sending the credit record to other block chain nodes.
In this embodiment, the credit event may include a time, an event occurrence object, an event description, and an event type;
the processor receives the credit events, acquires event types in the credit events, acquires first credit scores corresponding to the event types in the storage, takes event occurrence objects as evaluation objects, generates credit events of the evaluation objects according to time and event descriptions, and generates credit records according to the evaluation objects, the credit events of the evaluation objects and the first credit scores.
When the first credit score corresponding to the event type is not acquired, the processor outputs prompt information which cannot acquire the first credit score, so that a user can input the first credit score corresponding to the credit event according to the prompt information. The processor receives the first credit score and saves the first credit score and the event type association in the memory, and then generates a credit record according to the evaluation object, the credit event of the evaluation object, and the first credit score.
The processor performs hash processing on the credit record to obtain a hash value of the credit record, then obtains a private key of the local blockchain node, encrypts the hash value of the credit record according to the private key to obtain a digital signature of the credit record, and then sends the credit record and the corresponding digital signature to other blockchain nodes.
In the technical solution disclosed in this embodiment, a credit record is generated by receiving a credit event and according to the credit event, and then the credit record is sent to other blockchain nodes. By uploading the credit records to the block chain network, each block chain node can evaluate the credit of the evaluation object according to the credit records, the data counterfeiting of a single credit evaluation node is avoided, and the credibility of the credit evaluation result is improved.
In addition, an embodiment of the present invention further provides a credit evaluation system, where the credit evaluation system includes a memory, a processor, and a credit evaluation program stored in the memory and executable on the processor, and when executed by the processor, the credit evaluation program implements the steps of the credit evaluation method according to the above embodiments.
Furthermore, an embodiment of the present invention further provides a computer-readable storage medium, on which a credit evaluation program is stored, and the credit evaluation program, when executed by a processor, implements the steps of the credit evaluation method according to the above embodiments.
It should be noted that, in this document, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or system that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or system. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or system that comprises the element.
The above-mentioned serial numbers of the embodiments of the present invention are merely for description and do not represent the merits of the embodiments.
Through the above description of the embodiments, those skilled in the art will clearly understand that the method of the above embodiments can be implemented by software plus a necessary general hardware platform, and certainly can also be implemented by hardware, but in many cases, the former is a better implementation manner. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product, which is stored in a storage medium (e.g. ROM/RAM, magnetic disk, optical disk) as described above and includes instructions for enabling a terminal device (e.g. a smart phone, etc.) to execute the method according to the embodiments of the present invention.
The above description is only a preferred embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, which are made by using the contents of the present specification and the accompanying drawings, or directly or indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (10)
1. A credit evaluation method, characterized in that the credit evaluation method comprises the steps of:
the method comprises the steps of obtaining a credit record of an evaluation object sent by a first block chain node, and determining a first credit score of the evaluation object according to the credit record;
updating the current credit score of the evaluation object according to the first credit score to obtain a second credit score;
and sending the second credit score to other block chain nodes so that all the block chain nodes update the credit score of the evaluation object to be the second credit score.
2. The credit evaluation method of claim 1, wherein the step of updating the current credit score of the evaluation object based on the first credit score to obtain a second credit score comprises:
determining a scoring coefficient corresponding to the first credit score according to the first block link point;
and updating the current credit score of the evaluation object according to the first credit score and the score coefficient to obtain a second credit score.
3. The credit evaluation method of claim 1, wherein the step of sending the second credit score to other blockchain nodes comprises:
acquiring a first public key of the evaluation object;
encrypting the updating record of the credit score of the evaluation object according to the first public key to obtain encrypted data;
and storing the encrypted data and the evaluation object in a correlation manner, and sending the encrypted data to other block chain nodes.
4. The credit evaluation method of claim 3, wherein the step of sending the encrypted data to other blockchain nodes is followed by further comprising:
receiving a credit scoring query request, and generating a decryption request of encrypted data corresponding to the query request according to the query request;
sending the decryption request to a second block chain node, the second block chain node comprising a first private key of the encrypted data;
and receiving the decryption data fed back by the second block chain link point and outputting the decryption data.
5. The credit evaluation method of claim 1, wherein the step of sending the second credit score to other blockchain nodes is followed by further comprising:
receiving a credit scoring query request, and verifying the authority of a query object corresponding to the query request;
and outputting the second credit score after the authority verification of the query object is successful.
6. The credit evaluation method of claim 1, wherein the step of sending the second credit score to other blockchain nodes is followed by further comprising:
receiving a credit scoring query request;
and when the block chain node corresponding to the query request is a member in a union block chain, outputting the second credit score.
7. The credit evaluation method of claim 1, wherein after the step of obtaining the credit record of the evaluation object sent by the blockchain node, further comprising:
acquiring a second public key corresponding to the first block chain link point;
verifying the digital signature of the credit record according to the second public key;
upon verification, performing the step of determining a first credit score for the assessment target from the credit record.
8. The credit evaluation method of claim 1, wherein the step of obtaining the credit record of the evaluation object sent by the blockchain node is preceded by the step of:
receiving a credit event and acquiring a credit event type corresponding to the credit event;
acquiring a first credit score corresponding to the credit event type;
and generating a credit record according to the credit event and the first credit score, and sending the credit record to other block chain nodes.
9. A credit evaluation system, the credit evaluation system comprising: memory, a processor and a credit evaluation program stored on the memory and executable on the processor, the credit evaluation program when executed by the processor implementing the steps of the credit evaluation method of any of claims 1-8.
10. A computer-readable storage medium, having stored thereon a credit evaluation program which, when executed by a processor, implements the steps of the credit evaluation method of any one of claims 1 to 8.
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| CN202010370381.8A CN111598681A (en) | 2020-04-30 | 2020-04-30 | Credit evaluation method, credit evaluation system and readable storage medium |
| PCT/CN2021/090713 WO2021219038A1 (en) | 2020-04-30 | 2021-04-28 | Credit evaluation method, credit evaluation system, and readable storage medium |
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