CN112651744A - Block chain-based credit mutual evaluation method and system and electronic equipment - Google Patents

Block chain-based credit mutual evaluation method and system and electronic equipment Download PDF

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CN112651744A
CN112651744A CN202011606849.5A CN202011606849A CN112651744A CN 112651744 A CN112651744 A CN 112651744A CN 202011606849 A CN202011606849 A CN 202011606849A CN 112651744 A CN112651744 A CN 112651744A
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platform
credit
user
block
result
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谢杨洁
张帅
胡麦芳
张珂杰
詹士潇
吴琛
汪小益
黄方蕾
蔡亮
李伟
邱炜伟
匡立中
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Hangzhou Qulian Technology Co Ltd
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    • G06Q20/38—Payment protocols; Details thereof
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    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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Abstract

The invention provides a credit mutual evaluation method, a credit mutual evaluation system and electronic equipment based on a block chain, and relates to the technical field of the block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period; then determining a reputation result of the platform in a preset period by using the block chain network; determining a credit result of the user by using the block chain network according to the credit result of the platform; and finally, storing the credit result of the platform and the credit result of the user into an account book block, and generating a credit mutual evaluation result of the user and the platform. The method utilizes a block chain technology, combines a user credit result and a platform credit result of multiple platforms, can truly evaluate the credit value of the user, and reduces interference caused by malicious evaluation.

Description

Block chain-based credit mutual evaluation method and system and electronic equipment
Technical Field
The invention relates to the technical field of block chains, in particular to a credit mutual evaluation method and system based on a block chain and electronic equipment.
Background
In the existing shared device mode, credit assessment between a user and a platform is important; from the perspective of a user, the credit evaluation accuracy of the platform is directly related to the information and property safety of the user; from the platform perspective, the accuracy of the credit assessment for the user directly impacts the revenue and risk of the platform. The existing sharing equipment platform has the phenomenon of user data isolated island, so that the credit of a user is difficult to rate in all aspects; meanwhile, for the platform, in the prior art, only the user evaluation of a single platform is considered, and a mutual evaluation mechanism between the user and the platform is lacked, so that the user and the platform are easily affected by malicious evaluation.
Disclosure of Invention
In view of this, the present invention provides a method, a system and an electronic device for credit mutual evaluation based on a block chain, where the method is based on a block chain technology, and combines a multi-platform user credit result and a platform credit result, so as to truly evaluate a credit value of a user and reduce interference caused by malicious evaluation.
In a first aspect, an embodiment of the present invention provides a credit mutual evaluation method based on a blockchain, where the method is applied in a blockchain network, and includes:
generating an account book block in the created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period;
determining a reputation result of the platform in a preset period by using a block chain network;
determining a credit result of the user by using the block chain network according to the credit result of the platform;
and storing the credit result of the platform and the credit result of the user into a transaction record block in the account book block, and generating a credit mutual evaluation result of the user and the platform.
In some embodiments, the step of generating the ledger block in the created public ledger block chain includes:
acquiring a transaction recording block head and a transaction recording block of a transaction recording block: wherein the transaction record block header includes: a timestamp, a previous hash value, a platform ID, a user ID; the transaction record block body comprises: transaction records, user evaluation scores and platform evaluation scores;
determining a block head of the account book block according to index data corresponding to the transaction data and the evaluation data, and a transaction recording block head and a transaction recording block body of the transaction recording block; wherein, the block head of the account book block includes: the system comprises a time stamp, the hash value of the account book block, a comprehensive credit sub index table of a platform, a comprehensive credit value index table of a user and an address table thereof;
determining a block body of the account book block according to the created block data corresponding to the transaction data and the evaluation data; the block body of the account book block is a multi-connected storage structure formed by transaction record blocks;
and determining the account book block according to the block head of the account book block and the block body of the account book block.
In some embodiments, the step of determining the block size of the ledger block according to the created block data corresponding to the transaction data and the evaluation data includes:
determining an address chain corresponding to the user according to the transaction data and the evaluation data corresponding to the user; the address chain is used for representing address information of a user;
determining a platform chain corresponding to the platform according to the transaction data and the evaluation data corresponding to the platform; the platform chain is used for representing the use information of the platform;
and storing the data generated in all address chains and platform chains in a preset period in a multi-chain structure to generate a block body of the account book block.
In some embodiments, the step of determining the reputation result of the platform within the preset period by using the blockchain network includes:
determining a user credit score in the platform in a preset period, a credit evaluation value of the user on the platform and the sum of all user credit scores with use records in the platform by using a block chain network;
determining a platform credit score of the platform in a preset period by utilizing a platform credit score calculation formula according to a user credit score in the platform, a credit evaluation value of the user on the platform and the sum of all user credit scores with use records in the platform;
and determining a reputation analysis index table of the platform according to the platform reputation score of the platform, and determining the platform reputation score and the reputation analysis index table as a reputation result of the platform.
In some embodiments, the platform reputation score calculation is of the form:
Figure BDA0002872037400000031
wherein, P is the comprehensive credit evaluation value of the platform; t isUjCredit points of the user j are recorded for the existence of the use in the platform; xjEvaluating a reputation of each user in the platform for the platform; j is a different user.
In some embodiments, the step of determining the credit result of the user using the blockchain network based on the reputation result of the platform comprises:
determining a credit result of the platform, a credit evaluation result of the platform to the user and an ID of the platform in a preset period by using a block chain network;
determining a user credit value of the user in a preset period by using a user credit value calculation formula according to the credit result of the platform, the credit evaluation result of the platform to the user and the ID of the platform; wherein, the credit value of the user is stored in the form of an index table;
and determining a credit result of the user according to the user credit value of the user.
In some embodiments, the user credit calculation is of the form:
Figure BDA0002872037400000041
wherein U is the credit value of the user; piIs the reputation result of the platform; spuiA credit assessment result for the platform to the user; i is the platform ID.
In a second aspect, an embodiment of the present invention provides a credit mutual evaluation system based on a blockchain, where the system is applied in a blockchain network, and includes:
the account book block generation module is used for generating an account book block in the created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period;
the platform credit result generation module is used for determining the credit result of the platform in a preset period by using the block chain network;
the user credit result generation module is used for determining the credit result of the user by using the block chain network according to the credit result of the platform;
and the credit mutual evaluation result generation module is used for storing the credit result of the platform and the credit result of the user into the account book block and generating the credit mutual evaluation result of the user and the platform.
In a third aspect, an embodiment of the present invention further provides an electronic device, including: a processor and a memory; the memory has stored thereon a computer program which, when executed by the processor, performs the steps of the inter-credit evaluation method based on blockchains as mentioned in any of the possible embodiments of the first aspect.
In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, where the computer program, when executed by a processor, implements the steps of the block chain-based credit mutual evaluation method mentioned in any possible implementation manner of the first aspect.
The embodiment of the invention has the following beneficial effects:
the invention provides a credit mutual evaluation method, a credit mutual evaluation system and electronic equipment based on a block chain, which are applied to a block chain network, wherein an account book block is generated in a created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period; then determining a reputation result of the platform in a preset period by using the block chain network; determining a credit result of the user by using the block chain network according to the credit result of the platform; and finally, storing the credit result of the platform and the credit result of the user into an account book block, and generating a credit mutual evaluation result of the user and the platform. The method utilizes a block chain technology, combines a user credit result and a platform credit result of multiple platforms, can truly evaluate the credit value of the user, and reduces interference caused by malicious evaluation.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by the practice of the invention as set forth above.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 2 is a flowchart of step S101 in a block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 3 is a flowchart of step S202 in a block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 4 is a flowchart of step S102 in a block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 5 is a flowchart of step S103 in a block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 6 is a flowchart of another block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 7 is a schematic structural diagram of a block chain in the block chain-based credit mutual evaluation method according to an embodiment of the present invention;
fig. 8 is a schematic structural diagram of a credit mutual evaluation system based on a block chain according to an embodiment of the present invention;
fig. 9 is a schematic structural diagram of an electronic device according to an embodiment of the present invention.
Icon:
810-ledger block generation module; 820-a platform reputation result generation module; 830-a user credit result generation module; 840-credit mutual evaluation result generation module;
101-a processor; 102-a memory; 103-a bus; 104-communication interface.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Along with the development of sharing ideas and the continuous popularization of sharing equipment, user credit data of a sharing equipment platform becomes important information, and from the perspective of users, the credit evaluation accuracy of the platform is directly related to the information and property safety of the users; from the platform perspective, the accuracy of the credit assessment for the user directly impacts the revenue and risk of the platform.
However, the trueness of the credit data of the user still needs to be considered, and the following two problems exist in the current shared device platform: firstly, the shared device platform has a user data isolated island phenomenon, and a single credit evaluation condition of a single platform to a user occurs because part of platforms only carry out credit evaluation according to the user use record of the platform. Therefore, the credit value of the user cannot be judged effectively and reasonably, and the situation that the platform evaluates the user maliciously can be caused. Secondly, the shared device platform has the condition of uneven platform credit, only the user credit value evaluated by a single platform is considered, and the influence of mutual evaluation is not comprehensively considered. Therefore, on one hand, the real credit condition of the user cannot be reflected, and on the other hand, the method is not beneficial to the benign development of the platform. The shared platform has just the two problems, only one-sided evaluation is performed, certain fairness is lacked, and a mutual reasonable evaluation mechanism between a user and the platform is not provided, so that the shared platform is easily subjected to malicious evaluation.
In summary, in the shared device platform in the prior art, due to the user data islanding phenomenon, it is difficult to rate the user credit in all aspects; meanwhile, for the platform, in the prior art, only the user evaluation of a single platform is considered, and a mutual evaluation mechanism between the user and the platform is lacked, so that the user and the platform are easily affected by malicious evaluation.
Based on the above, the embodiments of the present invention provide a block chain-based credit mutual evaluation method, system and electronic device, which can truly evaluate the credit value of a user and reduce interference caused by malicious evaluation by combining a multi-platform user credit result and a platform credit result through the block chain technology.
For the convenience of understanding the embodiment, a detailed description will be given to a block chain-based credit mutual evaluation method disclosed in the embodiment of the present invention.
Referring to fig. 1, a block chain-based credit mutual evaluation method is shown in a flowchart, and the method includes the following steps:
step S101, generating an account book block in the created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period.
The public account book block chain is a public block chain, which is a shared common account book in essence, each node in the public account book block chain can freely enter and exit a network and participate in reading and writing of data on the chain, the reading and writing are interconnected and intercommunicated by using a flat topological structure, and no centralized service endpoint exists in the network.
In the shared device platform, the block chain is used as a public transparent shared device platform public display, an account book block contained in the public transparent shared device platform public display can be understood as a public display block, the account book block is a multi-chain type structure block, transaction data and evaluation data of users and the platform in a preset period are stored in the public transparent shared device platform public display block, and the account book block is specifically used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period. The account book blocks are connected according to a preset period, and each account book block records all information in the period. The individual transaction record blocks are linked for each transaction record and contain detailed data of the user and the platform.
And S102, determining a reputation result of the platform in a preset period by using the block chain network.
And the credit result of the platform in the preset period is associated with the timestamp of the transaction data of the user and the platform, each platform in the preset period is linked according to the time sequence determined by the timestamp, and then the credit result of the platform is determined according to the credit data of the user and the credit data of the platform.
And step S103, determining the credit result of the user by using the block chain network according to the credit result of the platform.
After the credit results of the platforms are obtained, the block chain network is used for determining the credit data of the user, the implementation process is similar to the step S102, and the credit results of the user are obtained by calculating the credit results of all the platforms in the preset period and evaluating the user by the platforms in the transaction use record blocks.
And step S104, storing the credit result of the platform and the credit result of the user into an account book block, and generating a credit mutual evaluation result of the user and the platform.
After the reputation result of the platform and the credit result of the user are obtained, the results are stored in an account book block. The account book block comprises a plurality of connected transaction record blocks, transaction records are stored in the transaction record blocks, and the user evaluation score and the platform evaluation score store evaluation of the transaction of the user and the platform in a unilateral way. For example, in a transaction usage record, the user may be entitled to an autonomous rating, i.e., a user rating score. The platform has the right to evaluate the user, which is the platform evaluation score.
In a specific implementation process, a new account block can be created again when a preset period is finished, and the new account block directly acquires a related address from the previous account block and is connected with the previous account block; when the user and the platform perform credit mutual evaluation, the block chain network can be directly utilized to generate a credit mutual evaluation result of the user and the platform.
According to the credit mutual evaluation method based on the block chain provided by the embodiment, the method is based on the block chain technology, and data are guaranteed not to be tampered; meanwhile, the credit value of the user can be truly evaluated by combining the user credit results of multiple platforms and the platform credit results, and the interference caused by malicious evaluation is reduced.
In some embodiments, the step S101 of generating the ledger block in the created public ledger block chain, as shown in fig. 2, includes:
step S201, obtaining a transaction record block head and a transaction record block of the transaction record block: wherein the transaction record block header includes: a timestamp, a previous hash value, a platform ID, a user ID; the transaction record block body comprises: transaction records, user evaluation scores and platform evaluation scores.
The transaction record block stores transaction records, user evaluation scores and platform evaluation scores, the data are not the result obtained after formula calculation, and the evaluation of the transaction is stored in a manner that the user and the platform unilaterally evaluate. For example, in a transaction usage record, the user has the right to perform an autonomous rating, which is the user rating score. The platform has the right to evaluate the user, i.e. the platform evaluation score.
Step S202, determining a block header of the ledger block according to the index data corresponding to the transaction data and the evaluation data, and the transaction record block header and the transaction record block of the transaction record block.
The block header of the ledger block includes: the system comprises a timestamp, an account book block hash value, a comprehensive credit sub index table of a platform, a comprehensive credit value index table of a user and an address table thereof.
In step S203, the block of the ledger block is determined according to the created block data corresponding to the transaction data and the evaluation data.
The block body of the account book block is a multi-connected storage structure formed by the transaction record blocks, and the created block data represents the address class of the user and the basic information of each platform; the block body of the transaction record block is a main body of the block and is various address chains and platform chains; records the use records of all users in each platform in a preset period, and stores the use records in a multi-chain structure. Specifically, as shown in fig. 3, in some embodiments, the step S202 further includes, in combination with the address chain and the platform chain:
step S21, determining an address chain corresponding to the user according to the transaction data and the evaluation data corresponding to the user; wherein, the address chain is used for representing the address information of the user.
The address chain calculates the address values of different users according to the IDs of the users by using corresponding address functions, and takes the address values as storage addresses; and then, storing the users with the same address values in the same address, using the address as a creation block, and finally connecting the users in the sequence according to the use time of the transaction records.
Step S22, determining a platform chain corresponding to the platform according to the transaction data and the evaluation data corresponding to the platform; the platform chain is used for representing the use information of the platform.
The platform chain takes the information of each platform as a creation block, detects the transaction use record of the user, and records the transaction use record in the platform according to the type of the platform where the sharing equipment is located and according to the time sequence.
Step S23, storing data generated in all address chains and platform chains in a preset period in a multi-chain structure, and generating a block of the account book block.
For example, a new transaction record is generated on a platform, the user ID is first matched, and the classification operation (obtaining the address using the address function) is performed on the user and recorded on the corresponding address chain. And then, processing the platform chain, matching the platform ID of the transaction record, performing uplink connection according to the time sequence, and binding the hash values of the first two blocks on the related chain when creating a new transaction record block.
Step S204, the account block is determined according to the block head of the account block and the block body of the account block.
After the block head and the block body of the account book block are generated, the account book block can be determined and stored in the created public account book block chain.
And packaging and combining all user transactions to be uploaded to the account block by using the block chain by taking one day as a period, considering the credit evaluation condition of each platform to the user and the evaluation condition of the user to the platform, combining the credit evaluation condition and the evaluation condition to calculate the comprehensive credit score of the platform and the comprehensive credit value of the user, and establishing a corresponding comprehensive credit score index table of the platform and a comprehensive credit value index table of the user to be placed at the head of the block of the account block. And after the period is finished, creating a new account book block, repeating the operation, and evaluating the comprehensive credit value and the comprehensive credit score of the platform of the user.
In some embodiments, the step S102 of determining the reputation result of the platform within the preset period by using the blockchain network, as shown in fig. 4, includes:
step S401, determining the credit score of the user in the platform, the credit evaluation value of the user on the platform and the sum of all the credit scores of the user with the use record in the platform in a preset period by using the block chain network.
The platform reputation related data obtained in this step is used in the calculation of platform reputation scores in subsequent steps.
And step S402, determining the platform credit score of the platform in a preset period by using a platform credit score calculation formula according to the user credit score in the platform, the credit evaluation value of the user on the platform and the sum of all user credit scores with use records in the platform.
Specifically, the platform reputation score calculation formula is in the form of:
Figure BDA0002872037400000111
wherein, P is the comprehensive credit evaluation value of the platform; TU (tunnel junction transistor)jFor the presence of usage record user j in the platform; xjReputation to platform for each user in the platformEvaluating the value; j is a different user.
Step S403, determining a reputation analysis index table of the platform according to the platform reputation score of the platform, and determining the platform reputation score and the reputation analysis index table as a reputation result of the platform.
The reputation analysis index table determined in this step may be stored in the block header of the ledger block.
In some embodiments, the step S103 of determining the credit result of the user by using the blockchain network according to the reputation result of the platform, as shown in fig. 5, includes:
step S501, determining a credit result of the platform, a credit evaluation result of the platform to the user and an ID of the platform in a preset period by using a block chain network.
Step S502, according to the credit result of the platform, the credit evaluation result of the platform to the user and the ID of the platform, the user credit value of the user in a preset period is determined by using a user credit value calculation formula.
The user credit value is stored in the form of an index table, specifically, the user credit value calculation formula is in the form of:
Figure BDA0002872037400000121
wherein U is the credit value of the user; piIs the reputation result of the platform; spuiA credit assessment result for the platform to the user; i is the platform ID.
Step S503, determining the address table of the user according to the user credit value of the user, and determining the user credit value and the address table as the credit result of the user.
The user address table determined in this step may be stored in the block header of the ledger block.
Fig. 6 is a flowchart of another block chain-based credit mutual evaluation method, which specifically includes the following steps:
step S601, a public ledger block chain is created.
The public account block chain in this step is used as a public and transparent shared device platform big account book, has the inherent properties of the block chain, and is not repeated again.
Step S602, an account block is newly created on the public account block chain.
Specifically, the account book block comprises an account book block head and an account book block body, wherein the account book block head consists of a timestamp, an account book block hash value, a platform comprehensive credit sub-index table, a user comprehensive credit value index table and an address table; the main body of the account area block body is various address chains and platform chains, records the use records of all users in each platform in one day, and stores the use records in a multi-chain structure.
Step S603, respectively creating various address chains and platform chains in the public ledger block chain.
Various types of address chains: and calculating the address values of different users according to the IDs of the users by using an address function, taking the address values as storage addresses, storing the users with the same address values in the same address, taking the address as a creation block, and connecting the users in sequence according to the use time of the transaction records.
Platform chain: and detecting the transaction use record of the user by taking the information of each platform as a creation block, and recording which platform chain is on which platform to use the sharing equipment according to the time sequence.
For example: a new transaction record is generated, the user ID is matched firstly, and classification operation (address is obtained by using an address function) is carried out on the user and the user is recorded on a corresponding address chain. Secondly, the platform chain is processed, the platform IDs of the transaction records are matched, chain connection is carried out according to the time sequence, and the hash values of the first two blocks on the related chain need to be bound when a new transaction record block is created.
Step S604, calculating a platform reputation score.
Note that the platform reputation value and the user credit value need to be calculated first. Specifically, the platform reputation value calculation process: and after one day (24 hours), acquiring a user credit value and a user evaluation score, calculating a platform credit score of one day, and establishing a platform comprehensive credit score index table to be placed at the block head of the account book block.
The calculation of the platform credit score is realized by adopting the following formula:
Figure BDA0002872037400000131
wherein, P is the comprehensive credit evaluation value of the platform; TU (tunnel junction transistor)jCredit points of the user j are recorded for the existence of the use in the platform; xjEvaluating a reputation of each user in the platform for the platform; j is a different user.
In step S605, a user credit value is calculated.
Calculating the credit value of the user: the aggregate credit value for all users is calculated at the end of the day (24 hours). The credit score of the platform and the evaluation score of the platform to the user in the transaction record block are obtained from the account block head, the comprehensive credit value of the user is calculated according to a formula and by combining the two types of data, and a user comprehensive credit value table is established and placed at the account block head.
The calculation of the credit value of the user is realized by adopting the following formula:
Figure BDA0002872037400000141
wherein U is the credit value of the user; piIs the reputation result of the platform; spuiA credit assessment result for the platform to the user; i is the platform ID.
Step S606, after the cycle is over, a new ledger block is created.
And creating a new account book block, and acquiring the address table from the block head of the previous account book block by the block head of the address chain. When a new transaction occurs, the address function is used to find the address in the address table, and the latest block hash value of the address chain is obtained and put into the block body of the transaction record block, and the block hash value is connected with the corresponding address chain of the previous account book block, that is, the operation is repeated with the step S602, and finally the comprehensive credit value and the platform comprehensive credit score of the user are evaluated.
In order to better describe the implementation process of the blockchain in the credit mutual evaluation method based on the blockchain, a schematic structural diagram of the blockchain is shown in fig. 7. The blockchain in this embodiment involves three types of addresses, one type of address being a, b, c, d; the addresses of the second type are e and f; the three types of addresses are g and h. Platforms also include three classes, where platform a refers to b, c, d, f, g; platform B relates to e, g, h; platform C relates to e. The data transmission relationship between the blocks is shown in fig. 7, and will not be described again.
According to the credit mutual evaluation method based on the block chain, the efficiency of storing and inquiring the transaction use record of the user can be improved by using the block chain technology, and the data is guaranteed not to be tampered; meanwhile, the user use records of the multi-party sharing equipment platform and the credit value of the platform for user evaluation are integrated, the factors of the user for the platform credit evaluation are introduced, the platform comprehensive credit score and the user comprehensive credit value are calculated by combining the user use records and the credit value, so that the comprehensive credit value of the user is more credible and reliable, and meanwhile, the evaluation of the comprehensive user on the platform promotes the benign competition of the platform. The platform can uplink view the comprehensive credit value of the user, and provide more diversified services for the user according to different credit grades of the user.
Corresponding to the above method embodiment, an embodiment of the present invention further provides a credit mutual evaluation system based on a block chain, where the system is applied to a block chain network, and a schematic structural diagram of the system is shown in fig. 8, where the system includes:
an account block generating module 810, configured to generate an account block in the created public account block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period;
a platform reputation result generating module 820, configured to determine a reputation result of a platform in a preset period by using a blockchain network;
the user credit result generation module 830 is configured to determine a credit result of the user by using the blockchain network according to the credit result of the platform;
the credit mutual evaluation result generation module 840 is configured to store the reputation result of the platform and the credit result of the user into the ledger block, and generate a credit mutual evaluation result between the user and the platform.
The credit mutual evaluation system based on the block chain provided by the embodiment of the invention has the same technical characteristics as the credit mutual evaluation method based on the block chain provided by the embodiment, so that the same technical problems can be solved, and the same technical effects can be achieved. For the sake of brevity, where not mentioned in the examples section, reference may be made to the corresponding matter in the preceding method examples.
The embodiment also provides an electronic device, a schematic structural diagram of which is shown in fig. 9, and the electronic device includes a processor 101 and a memory 102; the memory 102 is used for storing one or more computer instructions, and the one or more computer instructions are executed by the processor to implement the above-mentioned block chain-based credit mutual evaluation method.
The electronic device shown in fig. 9 further includes a bus 103 and a communication interface 104, and the processor 101, the communication interface 104, and the memory 102 are connected through the bus 103.
The Memory 102 may include a high-speed Random Access Memory (RAM) and may also include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. Bus 103 may be an ISA bus, PCI bus, EISA 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. 9, but this does not indicate only one bus or one type of bus.
The communication interface 104 is configured to connect with at least one user terminal and other network units through a network interface, and send the packaged IPv4 message or IPv4 message to the user terminal through the network interface.
The processor 101 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 or instructions in the form of software in the processor 101. The Processor 101 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, a discrete Gate or transistor logic device, or a discrete hardware component. The various methods, steps, and logic blocks disclosed in the embodiments of the present disclosure 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 the method disclosed in connection with the embodiments of the present disclosure may be directly implemented by a hardware decoding processor, or implemented by 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 the memory 102, and the processor 101 reads the information in the memory 102 and completes the steps of the method of the foregoing embodiment in combination with the hardware thereof.
Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, performs the steps of the method of the foregoing embodiments.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus, and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
The functions, if implemented in the form of software functional units and sold or used as a stand-alone product, may be stored in a non-volatile computer-readable storage medium executable by a processor. Based on such understanding, the technical solution of the present invention or a part thereof, which essentially contributes to the prior art, can be embodied in the form of a software product stored in a storage medium and including instructions for causing a computer device (which may be a personal computer, a server, or a network device) to execute all or part of the steps of the method according to the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a Random Access Memory (RAM), a magnetic disk or an optical disk, and other various media capable of storing program codes.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims (10)

1. A credit mutual evaluation method based on a block chain is applied to a block chain network and comprises the following steps:
generating an account book block in the created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period;
determining a reputation result of the platform in the preset period by using the block chain network;
determining a credit result of the user by using the block chain network according to the credit result of the platform;
and storing the reputation result of the platform and the credit result of the user into the account book block, and generating a credit mutual evaluation result of the user and the platform.
2. The method of claim 1, wherein the step of generating a ledger block in the created public ledger block chain comprises:
acquiring a transaction recording block head and a transaction recording block body of the transaction recording block: wherein the transaction record block header includes: a timestamp, a previous hash value, a platform ID, a user ID; the transaction record block body comprises: transaction records, user evaluation scores and platform evaluation scores;
determining a block head of the account book block according to the transaction data and index data corresponding to the evaluation data, and a transaction recording block head and a transaction recording block body of the transaction recording block; wherein the block header of the ledger block comprises: a timestamp, the hash value of the account book block, a comprehensive credit sub index table of the platform, a comprehensive credit value index table of the user and an address table thereof;
determining a block body of the account book block according to the transaction data and the created block data corresponding to the evaluation data; the area block of the account book block is a multi-connected storage structure formed by the transaction record block;
and determining the account book block according to the block head of the account book block and the block body of the account book block.
3. The method of claim 2, wherein the step of determining the block size of the ledger block from the founder block data corresponding to the transaction data and the evaluation data comprises:
determining an address chain corresponding to the user according to the transaction data and the evaluation data corresponding to the user; wherein the address chain is used for representing the address information of the user;
determining a platform chain corresponding to the platform according to the transaction data and the evaluation data corresponding to the platform; wherein the platform chain is used for representing the use information of the platform;
and storing the data generated in all the address chains and the platform chains in a preset period in a multi-chain structure to generate a block body of the account book block.
4. The method of claim 1, wherein the step of determining the reputation result of the platform within the preset period using the blockchain network comprises:
determining a user credit score in the platform, a credit evaluation value of the user on the platform and the sum of all user credit scores with use records in the platform in a preset period by using the block chain network;
determining the platform credit score of the platform in a preset period by utilizing a platform credit score calculation formula according to the user credit score in the platform, the credit evaluation value of the user on the platform and the sum of all user credit scores with use records in the platform;
and determining a reputation analysis index table of the platform according to the platform reputation score of the platform, and determining the platform reputation score and the reputation analysis index table as a reputation result of the platform.
5. The method of claim 4, wherein the platform reputation score calculation is of the form:
Figure FDA0002872037390000021
wherein P is the comprehensive reputation evaluation value of the platform; TU (tunnel junction transistor)jCredit points of the users j with the usage records exist in the platform; xjEvaluating the reputation of the user j on the platform; j is a different user.
6. The method of claim 1, wherein the step of determining the credit result of the user using the blockchain network based on the reputation result of the platform comprises:
determining a credit result of the platform, a credit evaluation result of the platform to the user and an ID of the platform in a preset period by using the block chain network;
determining a user credit value of the user in a preset period by using a user credit value calculation formula according to the credit result of the platform, the credit evaluation result of the platform to the user and the ID of the platform; wherein, the credit value of the user is stored in the form of an index table;
and determining a credit result of the user according to the user credit value of the user.
7. The method of claim 6, wherein the user credit value calculation is of the form:
Figure FDA0002872037390000031
wherein U is the credit value of the user; piA reputation result for the platform; spuiA credit assessment result for the platform to the user; i is the ID of the platform.
8. The credit mutual evaluation system based on the block chain is applied to a block chain network and comprises the following components:
the account book block generation module is used for generating an account book block in the created public account book block chain; the account book block is a multi-chain storage structure of a plurality of connected transaction record blocks; the account book block is used for connecting various address user chains and platform chains; the transaction recording block is used for storing transaction data and evaluation data of the user and the platform in a preset period;
the platform credit result generation module is used for determining the credit result of the platform in the preset period by using the block chain network;
the user credit result generation module is used for determining the credit result of the user by using the block chain network according to the credit result of the platform;
and the credit mutual evaluation result generation module is used for storing the credit result of the platform and the credit result of the user into the ledger block and generating the credit mutual evaluation result of the user and the platform.
9. An electronic device, comprising: a processor and a storage device; the storage device has stored thereon a computer program which, when executed by the processor, implements the steps of the blockchain-based mutual credit evaluation method of any one of claims 1 to 7.
10. A computer-readable storage medium, on which a computer program is stored, wherein the computer program, when being executed by a processor, implements the steps of the block chain-based mutual credit evaluation method according to any one of the preceding claims 1 to 7.
CN202011606849.5A 2020-12-30 2020-12-30 Block chain-based credit mutual evaluation method and system and electronic equipment Pending CN112651744A (en)

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