CN111917828A - Service processing method and system based on alliance chain - Google Patents
Service processing method and system based on alliance chain Download PDFInfo
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Abstract
The embodiment of the specification discloses a service processing method, a system, electronic equipment and a computer-readable storage medium based on a alliance chain. The method comprises the following steps: a first business side node receives a target business processing request sent by a user, and writes target business processing information into a distributed account book of a federation chain through an intelligent contract; the third-party node performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result; the intermediate side node carries out wind control audit according to the target service processing information and the credit evaluation result, and generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control audit is passed; and the second service party node performs target service processing according to the target service processing information, the credit evaluation result and the intermediate party insurance contract to generate a target service processing contract.
Description
Technical Field
Embodiments of the present disclosure relate to the field of computer technologies, and in particular, to a federation chain-based service processing method, system, electronic device, and computer-readable storage medium.
Background
Consumption credit refers to a credit loan provided to a consumer in commercial currency by a bank or other financial institution in the form of credit, mortgage, pledge, or guarantee. In the consumption credit business, the addition of the insurance company can provide credit increase support for the consumption credit and improve the quality and the efficiency of the consumption credit business.
However, in the system composed of the loan platform, the capital, the insurance company, the financial technology platform and the like, the serial interaction between the parties is realized through interfaces. Because all parties are closely connected and have high association coupling degree, the performance of serial interaction through the interface is low, and the problem that information cannot be synchronously shared in time can occur, so that the problems of low loan approval efficiency, wrong loan amount control and the like can be caused.
Disclosure of Invention
Embodiments of the present specification provide a service processing method, system, electronic device, and computer-readable storage medium based on a federation chain, so as to solve a problem in the prior art that information cannot be synchronously shared in time.
The embodiment of the specification adopts the following technical scheme:
a federation chain-based service processing method, wherein the federation chain comprises: a first server node, a third party node, an intermediary node, and a second server node, the method comprising:
the first business side node receives a target business processing request sent by a user, writes target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushes the target business processing information to the third side node;
the third party node performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate side node carries out wind control auditing according to the target service processing information and the credit evaluation result, generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control auditing is passed, writes the intermediate side insurance contract into the distributed account book through the intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate side insurance contract to the second service side node;
and the second business side node performs target business processing corresponding to the target business processing request according to the target business processing information, the credit evaluation result and the intermediate side insurance contract to generate a target business processing contract, writes the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushes the processing state and the target business processing contract to the first business side node.
A federation chain-based business processing system, comprising: a first service party node, a third party node, an intermediary party node, and a second service party node, wherein:
the first business side node is used for receiving a target business processing request sent by a user, writing target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushing the target business processing information to the third side node;
the third party node is used for performing credit evaluation according to the target service processing information to obtain a credit evaluation result, writing the credit evaluation result into the distributed account book through the intelligent contract, and pushing the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate party node is used for performing wind control audit according to the target service processing information and the credit evaluation result, generating an intermediate party insurance contract according to the target service processing information under the condition that the wind control audit is passed, writing the intermediate party insurance contract into the distributed account book through the intelligent contract, and pushing the target service processing information, the credit evaluation result and the intermediate party insurance contract to the second service party node;
and the second business side node is used for generating a target business processing contract according to the target business processing information, the credit evaluation result and the intermediate side insurance contract, performing target business processing corresponding to the target business processing request, writing the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushing the processing state and the target business processing contract to the first business side node.
An electronic device, comprising: the system comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the computer program realizes the steps of any one of the federation chain-based service processing methods when executed by the processor.
A computer readable storage medium having stored thereon a computer program which, when executed by a processor, implements the steps of any of the federation chain-based business processing methods.
The embodiment of the specification adopts at least one technical scheme which can achieve the following beneficial effects:
in the embodiment of the present specification, a federation chain formed by a first service party node, a third party node, an intermediate party node, and a second service party node is used for performing service processing, and related data generated by each party in the service processing process can be uplinked, that is, written into a distributed account book through an intelligent contract, so that the characteristics of decentralization, openness, and the like of a block chain technology can be utilized to implement sharing synchronization of service data, and the problem of low interaction efficiency that the service data cannot be shared synchronously in time due to serial interaction is avoided.
Drawings
The accompanying drawings, which are included to provide a further understanding of the embodiments of the specification and are incorporated in and constitute a part of this specification, illustrate embodiments of the specification and together with the description serve to explain the embodiments of the specification and are not intended to limit the embodiments of the specification unduly. In the drawings:
fig. 1 is a schematic flowchart of a federation chain-based service processing method provided in an embodiment of the present specification;
fig. 2 is a flowchart schematically illustrating a specific implementation scenario of a federation chain-based service processing method provided in an embodiment of the present specification;
FIG. 3 is a schematic structural diagram of a federation chain-based service processing system provided in an embodiment of the present specification;
fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present disclosure.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only some of the embodiments of the specification and not all of them. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments in the present specification without any creative effort belong to the protection scope of the embodiments in the present specification.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
As shown in fig. 1, the present specification provides a federation chain-based service processing method, where an execution subject of the method may be a block chain node device, and the block chain node device may be any one or more node devices in a predetermined block chain. The method may specifically comprise the steps of:
step 11: the first service side node receives a target service processing request sent by a user, writes target service processing information corresponding to the target service processing request into a distributed account book of the alliance chain through an intelligent contract, and pushes the target service processing information to the third side node.
An alliance chain (also called alliance blockchain) can allow authorized nodes to join a network, view information according to authority, and is mainly used for blockchains among organizations. In one or more embodiments of the present description, a federation chain may include: a first service party node, a third party node, an intermediate party node, and a second service party node.
In practical applications, the target service processing request may be a loan request issued by a user, and the first service node may be a loan platform. The target business processing information corresponding to the target business processing request may include loan-related information set by the first business side node (i.e., the loan platform) for the target business processing request (i.e., the loan request), for example, the loan-related information may include information such as user identity information (e.g., name, age, occupation, identification card number, etc.), account information (e.g., bank account), electronic loan contract, image of the front and back sides of the identification card, and image of credit investigation authorization.
The intelligent contract can be pre-deployed in the federation chain, and the first business side node can write the target business processing information into the distributed ledger through the pre-deployed intelligent contract and push the target business processing information to the third side node so as to facilitate the third side node in the federation chain to perform the relevant processing of the target business. In this specification embodiment, the target business process information may be written in the form of a hash value in the distributed ledger.
In practical application, in order to meet the compliance of each node in a subsequent federation chain when performing relevant processing of a target service, the first service party node may further perform a preliminary audit on the user identity, where the preliminary audit may include: and judging whether the user belongs to a black and grey production list or not according to the user identity information, and carrying out validity check on the front and back images of the identity card uploaded by the user, the credit investigation authorization book image and the like. After the preliminary audit is passed, the first service party node generates a loan contract according to the target service processing information, where the loan contract may include: the loan amount, the repayment mode and other information.
In practical application, a user can send out loan requests through different loan platforms based on different loan scenes, and in order to distinguish the different loan platforms, the embodiment of the present specification can also write the numbers of the loan platforms into a distributed account book, so as to distinguish target service processing information written by the different loan platforms through the loan platform codes.
Step 12: and the third party node performs credit evaluation according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate party node.
In practical applications, the third-party node may be a financial technology platform, and credit assessment may be performed according to the target service processing information through the financial technology platform, for example: whether the user is a public inspection executed person, whether the user is a distrusted executed person, whether the user has loan qualification and the like can be judged according to the identity information of the user, and credit evaluation is carried out according to the judgment result to obtain a credit evaluation result. The credit evaluation result may include: whether the request is processed by the user's target service, i.e., whether the request is a debit or credit request by the user. The credit of the user can be considered to meet the preset standard through the loan request of the user, the user can be lent, correspondingly, the information of the user can be considered not to meet the preset standard without the loan request of the user, and the risk of lending the user is high.
The intelligent contract may be a contract pre-deployed in the federation chain in step 11, and the third-party node may write the credit evaluation result into the distributed ledger through the intelligent contract and push the credit evaluation result and the service processing information to the intermediate-party node. In the embodiment of the present specification, the credit evaluation result may also be written in the form of a hash value in the distributed ledger.
In practical application, in order to facilitate each node to write generated related information into a distributed ledger in the process of performing target service processing, the third-party node may further generate a global unique order number, where the global unique order number may be used to associate the first service-side node, the intermediate-side node, and the second service-side node with the related information written into the distributed ledger, and the related information generated in the service processing process may be quickly acquired through the global unique order number, for example, target service processing information, a credit evaluation result, and the like may be acquired through the global unique order number.
Step 13: and the intermediate side node performs wind control audit according to the target service processing information and the credit evaluation result, generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control audit is passed, writes the intermediate side insurance contract into a distributed account book through an intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate side insurance contract to the second service side node.
In a practical application, the intermediate party node may be an insurance company. In the federation chain, insurance coverage may be provided to the second business party node by an insurance company, for example, the insurance company may make an settlement to the second business party node when the user has not paid for it for an overdue period. In order to reduce the probability of possible overdue non-repayment of the user, the insurance company needs to perform more comprehensive wind-controlled auditing on the user.
In one or more embodiments of the present specification, performing a wind-controlled audit according to the target service processing information and the credit evaluation result may include: judging whether the credit evaluation result is a target service processing request of a passing user; and performing wind control verification according to the target service processing information based on a preset wind control model and the wind control big data under the condition that the credit evaluation result is the target service processing request of the user.
The big wind control data can include, but is not limited to, central row credit data, internet credit data and credit blacklist data, and the preset wind control models can include credit investigation models and anti-fraud models established based on artificial intelligence and knowledge maps. The credit investigation auditing model can be a model obtained by adopting a machine learning algorithm such as a logistic regression algorithm, an XGboost algorithm and the like and combining with the training of wind control big data. The anti-fraud model can be a model obtained by combining knowledge graph technology based on wind control big data.
As described above, the target service processing request may be a loan request, and the determination as to whether the credit evaluation result is the target service processing request by the user may be a determination as to whether the credit evaluation result is the loan request by the user.
In practical application, as described above, the insurance company may provide insurance guarantee to the second business side node, and then, when the wind control audit is passed, that is, it is considered that the loan request sent by the user can be underwritten, the insurance company (the intermediate side node) may generate an intermediate side insurance contract according to the target business processing information, and write the intermediate side insurance contract into the distributed ledger through the intelligent contract.
In practice, the intermediary party insurance contract may include, but is not limited to, an electronic underwriting interest book, an electronic policy, and the like. The insurance contract guaranteed by the intermediate parties such as the electronic insurance policy and the electronic insurance policy can be signed on line based on face recognition, electronic signature technology and the like, so that the electronic insurance policy and the electronic insurance policy can be signed by the user, and the insurance risk of an insurance company is reduced.
In practical application, the intermediate side node may further write an audit result of the wind control audit into the distributed book through an intelligent contract, so as to inform the second service side node that the insurance company does not take insurance when the wind control audit is not passed, or inform the second service side node that the insurance company takes insurance when the wind control audit is passed, so that the second service side node performs corresponding processing according to the wind control audit result, for example, if the insurance company does not take insurance, the user may be refused to pay, and if the insurance company takes insurance, the user may be paid, and the like.
The intelligent contract here may be a contract pre-deployed in the federation chain in step 11, and the intermediate party node may write the intermediate party insurance-guaranteed contract, the auditing result of the wind control auditing, and the like into the distributed ledger through the intelligent contract, and push the auditing result of the intermediate party insurance-guaranteed contract and the wind control auditing to the second service party node. In this specification, the intermediary party guarantees that the insurance contract, the auditing result of the wind control auditing, and the like can be written into the distributed ledger in the form of a hash value.
Step 14: and the second service side node performs target service processing corresponding to the target service processing request according to the target service processing information, the credit evaluation result and the intermediate party insurance contract to generate a target service processing contract, writes the target service processing contract and the processing state of the target service processing into the distributed account book through an intelligent contract, and pushes the processing state and the target service processing contract to the first service side node.
In practical applications, the second business party node may be a funding party, for example, a bank. As described above, the target service processing request may be a loan request, and the target service processing corresponding to the target service processing request may include a payment process to the user, and specifically, the second service party node performs the target service processing corresponding to the target service processing request according to the target service processing information, the credit evaluation result, and the intermediary insurance contract, and may include: and the second service side node carries out payment approval according to the target service processing information, the credit evaluation result and the insurance contract guaranteed by the intermediate side, and pays payment to the account of the user according to the account information contained in the target service processing information under the condition that the payment approval is passed. Correspondingly, the processing state of the target business processing may be a deposit state, and the deposit state may include whether to deposit, deposit time, deposit amount, and the like.
It will be appreciated that the fund is borrowed and credited to the user, and the user also needs to direct the fund to make a payment according to a certain payment agreement, and the target business process contract may be a payment agreement. In an embodiment of the present specification, the repayment agreement may include a repayment original payment amount, a repayment deadline, a repayment account, a repayment mode, and the like, where the repayment mode may include at least one of a periodic repayment, an irregular repayment, or a one-time repayment original payment.
The intelligent contract may be a contract pre-deployed in the federation chain in step 11, and the third party node may write the target business processing contract and the processing state of the target business processing into the distributed ledger through the intelligent contract, and push the processing state and the target business processing contract to the first business party node to inform the user of information such as the processing state of the target business processing and the target business processing contract. In this specification embodiment, the target business process contract and the processing state of the target business process may be written in the form of a hash value into the distributed ledger.
In the embodiment of the present specification, a federation chain formed by a first service party node, a third party node, an intermediate party node, and a second service party node is used for performing service processing, so that related data generated by each party in the service processing process can be uplinked, that is, written into a distributed account book through an intelligent contract, so that the characteristics of decentralization, openness, and the like of a block chain technology can be utilized to implement sharing synchronization of service data, and the problem of low interaction efficiency that the service data cannot be shared synchronously in time due to serial interaction is avoided.
In an actual situation, after the fund is released to the user, the user pays the fund according to the repayment agreement, and in one or more embodiments of the present specification, when the user executes the contract-defined service according to the target service processing contract, the second service party node writes the execution state of executing the contract-defined service into the distributed ledger, and pushes the execution state to the first service party node, the third party node, and the intermediate party node.
As described above, the target service processing contract may include a payment agreement, the contract provision service may include a payment service specified in the payment agreement, and the execution state of executing the contract provision service may be a payment state of executing the payment service by the user, where the payment state may include whether payment has been made, a payment amount, a payment time, and the like. In this embodiment of the present specification, when a user makes a payment according to a payment agreement, the second service party node may write a payment status into the distributed account book, and push an execution status to the first service party node, the third party node, and the intermediate party node, so as to implement synchronous sharing of information.
In an actual situation, besides the case that the user pays the fund according to the repayment agreement, that is, executes the contract-defined service according to the target service processing contract, the case that the user does not direct the fund repayment according to the repayment agreement may also occur, that is, the user does not execute the contract-defined service according to the target service processing contract, in one or more embodiments of the present specification, in the case that the user does not execute the contract-defined service according to the target service processing contract, the second service side node sends a claim settlement request to the intermediate side node, and the intermediate side node may also settle a claim to the second service side node according to the claim settlement request and the intermediate side guarantee insurance contract.
In practical applications, the user does not execute the contract provision service according to the target service processing contract, and the situations that the user does not pay to the funding party according to the payment deadline specified by the payment agreement and/or does not pay to the funding party according to the payment amount specified by the payment agreement and the like can be included.
As described above, the intermediate node may be an insurance company, and the insurance company settles a claim to the funding party according to the claim settling request and the insurance contract guaranteed by the intermediate party, which may specifically include: after receiving a claim settlement request of a fund party, an insurance company confirms a claim settlement amount; after the claim amount is confirmed, the deduction of the claim amount is executed in the claim settlement account of the insurance company according to the stipulation in the insurance contract guaranteed by the intermediate party, and the automatic claim settlement from the insurance company to the fund party is realized.
In practical applications, in order to facilitate the insurance company to initiate reimbursement actions to overdue users, after the insurance company receives the notification message after deduction of the claim settlement amount, the claim settlement data generated in the claim settlement process, such as the order number, the insurance policy number, the claim amount, the claim settlement date, the claimant account number, etc., may be stored in a database or other readable storage medium, and/or the claim settlement data may be written into a distributed ledger of the federation chain through an intelligent contract.
In one or more embodiments of the present description, after the second business node issues a claim settlement request to the intermediary node, the intermediary node may issue an arbitration request to an arbitration delegate based on the distributed ledger.
The arbitration request may include information such as service processing information, credit evaluation results, an intermediary insurance contract, a target service processing contract, a processing state of the target service processing, and an execution state of a contract-defined service recorded in the distributed ledger. The information of the service processing information, the credit evaluation result, the insurance contract guaranteed by the intermediary, the target service processing contract, the processing state of the target service processing, the execution state of the contract-defined service, and the like in the arbitration request can be used as electronic evidence information when arbitration is committed. In practical application, when the intermediate node sends an arbitration request to the arbitration committee, the electronic evidence information can be submitted to a notarization place, so that validity check of the electronic evidence information is carried out through the notarization place.
In practical application, after arbitration of the insurance company is successful, the insurance company can prompt payment to overdue users by telephone according to arbitration resolution books issued by arbitration committees, or initiate court enforcement requests according to the arbitration resolution books, after receiving the court enforcement requests, a court enforcement court enforces payment of the overdue users according to the arbitration resolution books, and records a list of distressed executives for persons who have actual payment but refuse payment, and sends enforcement results to the insurance company, and the insurance company can perform subsequent compensation processing flows according to the enforcement results.
In the embodiment of the specification, the electronic evidence storage can be performed on the related business information generated in the target business processing process through the alliance chain, so that the confidence level of the electronic evidence information is improved, and the arbitration litigation efficiency of the default dispute is effectively improved.
The above is a specific description of the federation chain-based service processing method provided in the embodiment of the present specification, and the embodiment of the present specification further provides a specific implementation scenario of the federation chain-based service processing method in practical application. As shown in fig. 2, the implementation scenario includes a loan platform, a financial technology platform, an insurance company, and a funder.
Step 21: the loan platform receives a loan request sent by a user, writes the loan related information into a distributed account book of the alliance chain through an intelligent contract, and pushes the loan related information to the financial technology platform;
step 22: the financial science and technology platform carries out credit evaluation on the user according to the loan related information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the loan related information to an insurance company;
step 23: the insurance company carries out wind control audit according to the loan related information and the credit evaluation result, generates an intermediate party insurance contract according to the loan related information under the condition that the wind control audit is passed, writes the intermediate party insurance contract into a distributed account book through an intelligent contract, and pushes the loan related information, the credit evaluation result and the intermediate party insurance contract to a fund party;
step 24: and the fund side carries out deposit processing according to the loan related information, the credit evaluation result and the insurance contract guaranteed by the intermediate side to generate a repayment agreement, writes the repayment agreement and the processing state of the deposit processing into the distributed account book through an intelligent contract, and pushes the processing state of the deposit processing and the repayment agreement to the loan platform.
In the embodiment of the present specification, the loan transaction processing is performed through an alliance chain formed by a loan platform, a financial technology platform, an insurance company and a capital part, so that related data generated by each part in the loan transaction processing process can be linked, that is, the related data is written into a distributed account book through an intelligent contract, and thus, the characteristics of decentralization, openness and the like of a block chain technology can be utilized to realize the sharing synchronization of service data, so as to avoid the problem of low interaction efficiency that the service data cannot be synchronously shared in time due to serial interaction.
As described above for the specific description of the federation chain-based service processing method provided in the embodiment of the present specification, an embodiment of the present specification further provides a federation chain-based service processing system, as shown in fig. 3, where the system includes: the method comprises the following steps: a first service party node 101, a third party node 102, an intermediary party node 103 and a second service party node 104, wherein:
the first business side node 101 is configured to receive a target business processing request sent by a user, write target business processing information corresponding to the target business processing request into a distributed ledger of the federation chain through an intelligent contract, and push the target business processing information to the third side node;
the third-party node 102 is configured to perform credit evaluation according to the target service processing information to obtain a credit evaluation result, write the credit evaluation result into the distributed ledger through the intelligent contract, and push the credit evaluation result and the target service processing information to the intermediary node;
the intermediate party node 103 is configured to perform wind control audit according to the target service processing information and the credit evaluation result, generate an intermediate party insurance contract according to the target service processing information when the wind control audit is passed, write the intermediate party insurance contract into the distributed ledger through the intelligent contract, and push the target service processing information, the credit evaluation result, and the intermediate party insurance contract to the second service party node;
the second service party node 104 is configured to generate a target service processing contract according to the target service processing information, the credit evaluation result, and the intermediate party insurance contract, perform target service processing corresponding to the target service processing request, write the target service processing contract and a processing state of the target service processing into the distributed ledger through the intelligent contract, and push the processing state and the target service processing contract to the first service party node.
The specific workflow of the system embodiment may include: the first business side node 101 receives a target business processing request sent by a user, writes target business processing information corresponding to the target business processing request into a distributed ledger of the federation chain through an intelligent contract, and pushes the target business processing information to the third side node 102; the third-party node 102 performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed ledger through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate-party node 103; the intermediate party node 103 performs wind control audit according to the target service processing information and the credit evaluation result, generates an intermediate party insurance contract according to the target service processing information when the wind control audit is passed, writes the intermediate party insurance contract into the distributed book through the intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate party insurance contract to the second service party node 104; the second service party node 104 performs target service processing corresponding to the target service processing request according to the target service processing information, the credit evaluation result, and the intermediate party insurance contract, generates a target service processing contract, writes the target service processing contract and a processing state of the target service processing into the distributed ledger through the intelligent contract, and pushes the processing state and the target service processing contract to the first service party node.
In one embodiment, the target business process information, the credit evaluation result, the mediator guarantee insurance contract, the target business process contract, and the process status are written in the form of a hash value in the distributed ledger.
In one embodiment, the second service node 104 is further configured to:
under the condition that the user executes a contract provision service according to the target service processing contract, the second service party node writes an execution state of executing the contract provision service into the distributed account book, and pushes the execution state to the first service party node, the third party node and the intermediate party node; and under the condition that the user does not execute the contract-stipulated service according to the target service processing contract, the second service side node sends a claim settlement request to the intermediate side node, and the intermediate side node performs claim settlement to the second service side node according to the claim settlement request and the intermediate side insurance contract.
In one embodiment, the intermediate node 103 is further configured to:
after a claim settlement request sent by the second business side node to the intermediate side node, the intermediate side node sends an arbitration request to an arbitration client based on the distributed book; wherein the arbitration request includes the business process information, the credit evaluation result, the intermediary insurance contract, a target business process contract, the process status, and the execution status recorded in the distributed ledger.
In one embodiment, the performing a wind-controlled audit according to the target service processing information and the credit evaluation result includes: judging whether the credit evaluation result is a target service processing request of a passing user; performing wind control verification according to the target service processing information based on a preset wind control model and wind control big data under the condition that the credit evaluation result is a target service processing request of a user; the large wind control data comprise compulsory row credit investigation data, internet credit investigation data and credit blacklist data, and the preset wind control model comprises a credit investigation model and an anti-fraud model which are established based on artificial intelligence and a knowledge graph.
In the embodiment of the present specification, a federation chain formed by a first service party node, a third party node, an intermediate party node, and a second service party node is used for performing service processing, and related data generated by each party in the service processing process can be uplinked, that is, written into a distributed account book through an intelligent contract, so that the characteristics of decentralization, openness, and the like of a block chain technology can be utilized to implement sharing synchronization of service data, and the problem of low interaction efficiency that the service data cannot be shared synchronously in time due to serial interaction is avoided.
An embodiment of this specification further provides an electronic device, and referring to fig. 4, in a hardware level, the electronic device includes a processor, and optionally further includes an internal bus, a network interface, and a memory. The Memory may include a Memory, such as a Random-Access Memory (RAM), and may further include a non-volatile Memory, such as at least 1 disk Memory. Of course, the electronic device may also include hardware required for other services.
The processor, the network interface, and the memory may be connected to each other via an internal bus, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus, an EISA (Extended Industry Standard Architecture) bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 4, but that does not indicate only one bus or one type of bus.
And the memory is used for storing programs. In particular, the program may include program code comprising computer operating instructions. The memory may include both memory and non-volatile storage and provides instructions and data to the processor.
And the processor reads the corresponding computer program from the nonvolatile memory into the memory and then runs the computer program to form the service processing system based on the alliance chain of the application on the logic level. A processor executing the program stored in the memory and configured to perform at least the following:
the first business side node receives a target business processing request sent by a user, writes target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushes the target business processing information to the third side node;
the third party node performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate side node carries out wind control auditing according to the target service processing information and the credit evaluation result, generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control auditing is passed, writes the intermediate side insurance contract into the distributed account book through the intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate side insurance contract to the second service side node;
and the second business side node performs target business processing corresponding to the target business processing request according to the target business processing information, the credit evaluation result and the intermediate side insurance contract to generate a target business processing contract, writes the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushes the processing state and the target business processing contract to the first business side node.
The method executed by the federation chain-based service processing system as disclosed in the embodiment of the present specification and shown in fig. 1 can be applied to a processor or implemented by a processor. The processor may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware in a processor or instructions in the form of software. The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; but also Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field Programmable Gate Arrays (FPGAs) or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present specification may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of a method disclosed in connection with the embodiments of the present specification may be embodied directly in a hardware decoding processor, or in a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in a memory, and a processor reads information in the memory and completes the steps of the method in combination with hardware of the processor.
The electronic device may further execute the method executed by the federation chain-based service processing system in fig. 1, and implement the functions of the federation chain-based service processing system in the embodiment shown in fig. 1, which are not described herein again in this embodiment of this specification.
This specification embodiment also proposes a computer-readable storage medium storing one or more programs, where the one or more programs include instructions, which when executed by an electronic device including a plurality of application programs, enable the electronic device to perform the method performed by the federation chain-based service processing system in the embodiment shown in fig. 1, and at least to perform:
the first business side node receives a target business processing request sent by a user, writes target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushes the target business processing information to the third side node;
the third party node performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate side node carries out wind control auditing according to the target service processing information and the credit evaluation result, generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control auditing is passed, writes the intermediate side insurance contract into the distributed account book through the intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate side insurance contract to the second service side node;
and the second business side node performs target business processing corresponding to the target business processing request according to the target business processing information, the credit evaluation result and the intermediate side insurance contract to generate a target business processing contract, writes the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushes the processing state and the target business processing contract to the first business side node.
As will be appreciated by one skilled in the art, embodiments of the present description embodiments may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
Embodiments of the present description are described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus 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 apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
The above description is only an example of the embodiments of the present disclosure, and is not intended to limit the embodiments of the present disclosure. Various modifications and variations to the embodiments described herein will be apparent to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the embodiments of the present specification should be included in the scope of the claims of the embodiments of the present specification.
Claims (10)
1. A federation chain-based service processing method, wherein the federation chain comprises: a first server node, a third party node, an intermediary node, and a second server node, the method comprising:
the first business side node receives a target business processing request sent by a user, writes target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushes the target business processing information to the third side node;
the third party node performs credit evaluation on the user according to the target service processing information to obtain a credit evaluation result, writes the credit evaluation result into the distributed account book through the intelligent contract, and pushes the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate side node carries out wind control auditing according to the target service processing information and the credit evaluation result, generates an intermediate side insurance contract according to the target service processing information under the condition that the wind control auditing is passed, writes the intermediate side insurance contract into the distributed account book through the intelligent contract, and pushes the target service processing information, the credit evaluation result and the intermediate side insurance contract to the second service side node;
and the second business side node performs target business processing corresponding to the target business processing request according to the target business processing information, the credit evaluation result and the intermediate side insurance contract to generate a target business processing contract, writes the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushes the processing state and the target business processing contract to the first business side node.
2. The method of claim 1, wherein the target business process information, the credit evaluation result, the intermediary warranty contract, the target business process contract, and the process state are written into the distributed ledger in the form of a hash value.
3. The method of claim 1, further comprising:
under the condition that the user executes a contract provision service according to the target service processing contract, the second service party node writes an execution state of executing the contract provision service into the distributed account book, and pushes the execution state to the first service party node, the third party node and the intermediate party node;
and under the condition that the user does not execute the contract-stipulated service according to the target service processing contract, the second service side node sends a claim settlement request to the intermediate side node, and the intermediate side node performs claim settlement to the second service side node according to the claim settlement request and the intermediate side insurance contract.
4. The method of claim 3, further comprising:
after a claim settlement request sent by the second business side node to the intermediate side node, the intermediate side node sends an arbitration request to an arbitration client based on the distributed book; wherein the arbitration request includes the business process information, the credit evaluation result, the mediator guarantee insurance contract, the target business process contract, the process status of the target business process, and the execution status of the contract-defined business recorded in the distributed ledger.
5. The method of claim 1, wherein the performing a wind-controlled audit based on the target business process information and the credit evaluation result comprises:
judging whether the credit evaluation result is a target service processing request of a passing user;
performing wind control verification according to the target service processing information based on a preset wind control model and wind control big data under the condition that the credit evaluation result is a target service processing request of a user; the large wind control data comprise compulsory row credit investigation data, internet credit investigation data and credit blacklist data, and the preset wind control model comprises a credit investigation model and an anti-fraud model which are established based on artificial intelligence and a knowledge graph.
6. A federation chain-based business processing system, comprising: a first service party node, a third party node, an intermediary party node, and a second service party node, wherein:
the first business side node is used for receiving a target business processing request sent by a user, writing target business processing information corresponding to the target business processing request into a distributed account book of the alliance chain through an intelligent contract, and pushing the target business processing information to the third side node;
the third party node is used for performing credit evaluation according to the target service processing information to obtain a credit evaluation result, writing the credit evaluation result into the distributed account book through the intelligent contract, and pushing the credit evaluation result and the target service processing information to the intermediate party node;
the intermediate party node is used for performing wind control audit according to the target service processing information and the credit evaluation result, generating an intermediate party insurance contract according to the target service processing information under the condition that the wind control audit is passed, writing the intermediate party insurance contract into the distributed account book through the intelligent contract, and pushing the target service processing information, the credit evaluation result and the intermediate party insurance contract to the second service party node;
and the second business side node is used for generating a target business processing contract according to the target business processing information, the credit evaluation result and the intermediate side insurance contract, performing target business processing corresponding to the target business processing request, writing the target business processing contract and the processing state of the target business processing into the distributed account book through the intelligent contract, and pushing the processing state and the target business processing contract to the first business side node.
7. The system of claim 6, the second service party node, further configured to:
under the condition that the user executes a contract provision service according to the target service processing contract, the second service party node writes an execution state of executing the contract provision service into the distributed account book, and pushes the execution state to the first service party node, the third party node and the intermediate party node; and under the condition that the user does not execute the contract-stipulated service according to the target service processing contract, the second service side node sends a claim settlement request to the intermediate side node, and the intermediate side node performs claim settlement to the second service side node according to the claim settlement request and the intermediate side insurance contract.
8. The system of claim 6, the mediator node further to:
after a claim settlement request sent by the second business side node to the intermediate side node, the intermediate side node sends an arbitration request to an arbitration client according to the distributed account book; wherein the arbitration request includes the business process information, the credit evaluation result, the intermediary insurance contract, a target business process contract, the process status, and the execution status recorded in the distributed ledger.
9. An electronic device, comprising: memory, processor and computer program stored on the memory and executable on the processor, the computer program, when executed by the processor, implementing the steps of the federation chain-based business processing method of any one of claims 1 to 5.
10. A computer-readable storage medium, characterized in that a computer program is stored thereon, which, when being executed by a processor, implements the steps of the federation chain-based business processing method of any one of claims 1 to 5.
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