CN113240427A - Credible transaction and service credit evaluation method based on block chain - Google Patents
Credible transaction and service credit evaluation method based on block chain Download PDFInfo
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- CN113240427A CN113240427A CN202110540666.6A CN202110540666A CN113240427A CN 113240427 A CN113240427 A CN 113240427A CN 202110540666 A CN202110540666 A CN 202110540666A CN 113240427 A CN113240427 A CN 113240427A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
- G06F21/44—Program or device authentication
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/409—Device specific authentication in transaction processing
- G06Q20/4097—Device specific authentication in transaction processing using mutual authentication between devices and transaction partners
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Abstract
The invention discloses a credible transaction and service credit evaluation method based on a block chain. And then the transaction information is issued through the data issuing system. In issuing the transaction information, the transaction information needs to be secondarily authenticated. After both parties reach the primary wish, the secondary authentication is carried out through the information acquisition platform, and the payment is carried out through the guarantee platform and the payment platform. In the transaction process, the transaction flow module constructs a flow state diagram to implement tracking of transaction progress. And after the transaction is completed, performing secondary evaluation score statistics on the information issuing person and the demand information person through the comprehensive feedback module. Compared with the prior art, the invention has the beneficial effects that: the related information is comprehensively scored through a multi-level evaluation scheme to ensure the reliability and the authenticity of the information, and a multi-level guarantee mode is adopted in payment of the fee, so that the credibility of the transaction of both parties is improved, and the successful conversion of the transaction is promoted.
Description
Technical Field
The invention relates to the technical field of commercial transaction management, in particular to a credible transaction and service credit evaluation method based on a block chain.
Background
The internet of things is a future development trend in the world today, and is a network for interconnecting and intercommunicating all common physical objects capable of being independently addressed. With the development of the technology and the continuous growth of the scale of the internet of things, the internet of things generates massive data. The data quality is the premise of effectively analyzing and utilizing the big data, and is the guarantee of the cross-regional, cross-industry and cross-department value of the big data. The invention introduces the block chain into the field of data service evaluation for the first time, researches a data service credit evaluation method based on the block chain technology, establishes a data evaluation index system, ensures the authenticity, traceability and non-tamper-resistance of evaluation information, and fundamentally prevents the bad behavior of lawless persons.
At present, more and more data sharing platforms come up, but certain challenges exist in data service, which are mainly reflected in that: 1) the trust problem is as follows: at present, most data sharing platforms are centralized, and mutually untrusted trading parties can trade securely by relying on a third party as an intermediary. 2) Safety problems are as follows: the storage performance bottleneck problem is easy to occur after mass data is accessed. And because the recorded data is opaque, the data provider can change the credit score and the data evaluation content thereof by illegal means. The centralized shared platform is easy to have single point failure problem, and the whole platform can be damaged catastrophically after being attacked. 3) Quality problems are as follows: the data of the internet of things has the characteristics of multi-source isomerism, large data scale, large scalar dimension, scattered sources and the like, so that the data quality of the internet of things is uneven, and the current platform has no systematic data quality evaluation index system, so that a user cannot select a high-quality and reliable data provider in the shortest time. Therefore, it is important to develop a credible distributed data sharing platform and a complete data quality evaluation system.
Disclosure of Invention
The invention provides a credible trading and service credit evaluation method based on a block chain, which is characterized in that an effective evaluation scheme is provided for internet of things data service evaluation based on an internet of things data service credit evaluation model of the block chain, and a powerful reference basis is provided for a user to confirm the credit of the user before trading.
In order to achieve the purpose, the invention provides the following technical scheme: a credible transaction and service credit evaluation method based on a block chain is characterized in that: the system comprises an information publishing module, an information evaluation module, a transaction module and an intermediary service module.
The information issuing module comprises an authentication system, a login system and a data issuing system. The authentication system is used for carrying out real-name authentication and verification on the information issuing person and the information requiring person. The login system is used for login and use of an account. The data issuing system is used for primarily screening and summarizing the transaction information issued by the information issuing person and the demand information person.
The information evaluation module comprises a data analysis module and a big data storage module. The data analysis module is used for performing networking audit on real-name authentication data of the information issuing person and the information requiring person, so that the reliability and accuracy of the authentication data are guaranteed, and meanwhile, the data are recorded in the big data storage module, and the transaction information is secondarily screened through the big data storage module, so that the accuracy of classification of the transaction information is guaranteed.
The transaction module comprises a display platform, an information acquisition platform, a payment platform and a guarantee platform. The information issuing person and the demand information person send transaction information through the display platform, the transaction information is displayed through the display platform, after the information issuing person and the demand information person achieve preliminary transaction, the contract signed by both parties is input through the information acquisition platform, transaction is conducted through the payment platform according to the specific content of the contract, and the guarantee platform plays a guarantee role in improving the safety and reliability of transaction and being authenticated by a third party organization.
The intermediary service module comprises a transaction flow module, a later evaluation module and a comprehensive feedback module. The transaction flow module implements tracking of transaction progress by constructing a flow state diagram. And the later evaluation module is used for evaluating the satisfaction degree of the two parties to the transaction. The comprehensive feedback module judges the transaction as a whole by monitoring the flow states of the transaction flow module and the later evaluation module, and simultaneously sends feedback information to the information evaluation module for secondary evaluation of the information issuers and the information demanders.
S1: the information issuing person and the information requiring person firstly carry out real-name authentication through an authentication system, and give account numbers and passwords after the real-name authentication is passed.
S2: the information issuing person and the information requiring person log in through the account number and the password and issue the transaction information through the data issuing system.
S3: and after the information issuing person and the demand information person pass real-name authentication, the information issuing person and the demand information person are subjected to networking examination and verification through the data analysis module. And (5) performing primary evaluation score after the examination.
S4: the information issuing person and the information requiring person need to perform secondary authentication on the transaction information during issuing the transaction information, so that the authenticity and reliability of the transaction information are ensured.
S5: the information issuing person and the demand information person search the relevant transaction information of the demand or the appropriate demand party in the display platform.
S6: after the information issuing person and the information demand person reach the initial desire, the two parties are authenticated for the second time through the information acquisition platform, and payment is carried out through the guarantee platform and the payment platform.
S7: in the transaction process, a flow state diagram is constructed through a transaction flow module, and the transaction progress condition is tracked.
S8: and after the transaction is completed, performing secondary evaluation score statistics on the information issuing person and the demand information person through the comprehensive feedback module.
As an optimization, the real-name authentication content in the step S1 includes qualification status, credit status, registration status, fixed asset, intellectual property risk, financial running status, social reputation and performance certification.
As an optimization, the primary evaluation score in step S3 includes that the data analysis module performs analysis according to data features collected by the internet of things, and formulates a data quality evaluation index. And after the data analysis module obtains the authorization of the information issuing person and the information requiring person and accesses the data, the data quality evaluation is carried out on the data, the weighted calculation of the credit is carried out through respective scores of evaluation indexes and an intelligent contract, and the real-time updating is carried out.
Preferably, the operation method of the paymate in step S6 is to provide a plurality of paymate options according to the payment request after receiving the payment request, and then pay the transaction funds according to the contract amount, where the contract amount includes the prepaid amount and the payment amount. The demand information person delivers the pre-payment amount to the information issuing person, the information issuing person needs to provide the pre-payment frozen amount with the same amount to the guarantee platform, and the demand information person needs to provide the tail amount to the guarantee platform. And the payment amount of the tail money is in a frozen payment state, the income generated during the freezing period is still kept in the original account, and the tail money is automatically transacted after the transaction is finished.
Preferably, the payment platform operating method in step S6 further includes automatically transferring the pre-payment frozen amount of the information issuer remaining in the guaranty platform to the information consumer when the transaction cannot be completed. And the tail money amount reserved in the guarantee platform by the demand information person is automatically unlocked.
Compared with the prior art, the invention has the following beneficial effects: the method has the advantages that the related information of the information issuing person and the information requiring person is comprehensively graded through a multi-level evaluation scheme so as to ensure the reliability and the authenticity of the information, a multi-level guarantee mode is adopted in the aspect of payment of expenses, the credibility of transactions of both parties is improved, the successful conversion of the transactions is promoted, and meanwhile, the occurrence of risk accidents and asset safety problems is avoided.
Detailed Description
Firstly, a person who issues information and a person who needs information perform real-name authentication through an authentication system, the interior of the authentication required includes but is not limited to information such as qualification conditions, credit conditions, registration conditions, fixed assets, intellectual property risks, financial running states, social reputation, performance certification and the like, a data analysis module performs networking audit on the person who issues information and the person who needs information, accounts and passwords are given to the person who issues information and the person who needs information after the audit is passed, and primary evaluation scores are given.
Secondly, the information issuing person and the demand information person search or issue information according to own demands, and need to provide secondary authentication while issuing transaction information, wherein the secondary authentication includes but is not limited to purchasing or selling contracts, demand certification materials or other related materials.
Then, after the information issuing person and the information requiring person search the relevant transaction information of the requirement or the proper requirement party in the display platform, the information issuing person and the information requiring person can communicate through the relevant contact way provided by the display platform, and after the information issuing person and the information requiring person reach the preliminary intention, the information acquiring platform performs secondary authentication on the two parties, wherein the content of the secondary authentication comprises but is not limited to a contract signed by the two parties and a third party platform supervision contract and relevant enterprise qualification information.
And further, after the contract is signed, payment is carried out through the guarantee platform and the payment platform. The payment platform operation method comprises the steps of providing a plurality of payment platform options according to a payment request after receiving the payment request, and then paying transaction funds according to contract amount, wherein the contract amount comprises pre-payment amount and tail amount. The demand information person delivers the pre-payment amount to the information issuing person, the information issuing person needs to provide the pre-payment frozen amount with the same amount to the guarantee platform, and the demand information person needs to provide the tail amount to the guarantee platform. And the payment amount of the tail money is in a frozen payment state, the income generated during the freezing period is still kept in the original account, and the tail money is automatically transacted after the transaction is finished. When the transaction can not be completed, the pre-payment frozen amount of the information issuing person staying in the guarantee platform is automatically transferred to the demand information person. And the tail money amount reserved in the guarantee platform by the demand information person is automatically unlocked.
Meanwhile, in the transaction process, the whole transaction flow module can construct a flow state diagram to implement tracking of transaction progress.
And finally, after the transaction is completed, carrying out secondary evaluation score statistics on the information issuing person and the information demand person through the comprehensive feedback module.
Claims (5)
1. A credible transaction and service credit evaluation method based on a block chain is characterized in that: the system comprises an information publishing module, an information evaluation module, a transaction module and an intermediary service module;
the information release module comprises an authentication system, a login system and a data release system; the authentication system is used for carrying out real-name authentication and verification on the information issuing person and the information requiring person; the login system is used for logging in and using an account; the data issuing system is used for primarily screening and summarizing the transaction information issued by the information issuing person and the demand information person;
the information evaluation module comprises a data analysis module and a big data storage module; the data analysis module is used for performing networking audit on real-name authentication data of the information issuing person and the information requiring person, ensuring the reliability and accuracy of the authentication data, and simultaneously recording the authentication data in the big data storage module;
the transaction module comprises a display platform, an information acquisition platform, a payment platform and a guarantee platform; the information issuing person and the demand information person send transaction information through the display platform, the transaction information is displayed through the display platform, after the information issuing person and the demand information person achieve preliminary transaction, a contract signed by both parties is input through the information acquisition platform, and the transaction is carried out through the payment platform according to the specific content of the contract, so that the security and reliability of the transaction are improved, and the guarantee platform authenticated by a third party organization plays a guarantee role;
the intermediary service module comprises a transaction flow module, a later evaluation module and a comprehensive feedback module; the transaction flow module implements tracking of transaction progress conditions by constructing a flow state diagram; the later evaluation module is used for evaluating the satisfaction degree of the two parties to the transaction; the comprehensive feedback module judges the whole transaction by a third party by monitoring the flow states of the transaction flow module and the later evaluation module, and simultaneously sends feedback information to the information evaluation module for secondary evaluation of the information issuers and the information demanders;
s1: the method comprises the following steps that a person who issues information and a person who needs information firstly carry out real-name authentication through an authentication system, and give account numbers and passwords after the verification is passed;
s2: the information issuing person and the demand information person log in through the account and the password and issue the transaction information through the data issuing system;
s3: after the information issuing person and the demand information person pass real-name authentication, the information issuing person and the demand information person are subjected to networking examination and verification through a data analysis module; performing primary evaluation score after the audit;
s4: the information issuing person and the information requiring person issue the transaction information, and the transaction information needs to be subjected to secondary authentication at the same time, so that the authenticity and the reliability of the transaction information are ensured;
s5: the information issuing person and the demand information person search the required related transaction information or the appropriate demand party in the display platform;
s6: after the information issuing person and the information requiring person reach the initial desire, the two parties are authenticated for the second time through the information acquisition platform, and payment is carried out through the guarantee platform and the payment platform;
s7: in the transaction process, a flow state diagram is constructed through a transaction flow module, and the transaction progress condition is tracked;
s8: and after the transaction is completed, performing secondary evaluation score statistics on the information issuing person and the demand information person through the comprehensive feedback module.
2. The block chain-based trusted transaction and service reputation evaluation method according to claim 1, wherein: the real-name authentication content in the step S1 includes qualification status, credit status, registration status, fixed asset, intellectual property risk, financial status, social reputation and performance certification.
3. The block chain-based trusted transaction and service reputation evaluation method according to claim 1, wherein: the primary evaluation score in the step S3 includes that the data analysis module analyzes the data characteristics collected by the internet of things and formulates a data quality evaluation index; and after the data analysis module obtains the authorization of the information issuing person and the information requiring person and accesses the data, the data quality evaluation is carried out on the data, the weighted calculation of the credit is carried out through respective scores of evaluation indexes and an intelligent contract, and the real-time updating is carried out.
4. The block chain-based trusted transaction and service reputation evaluation method according to claim 1, wherein: the payment platform operation method in step S6 is that after receiving the payment request, a plurality of payment platform options are provided according to the payment request, and then the transaction fund is paid according to the contract amount, where the contract amount includes the prepaid amount and the payment amount; the demand information person pays the pre-payment amount to the information issuing person, the information issuing person needs to provide the pre-payment frozen amount with the same amount to the guarantee platform, and the demand information person needs to provide the tail amount to the guarantee platform; and the payment amount of the tail money is in a frozen payment state, the income generated during the freezing period is still kept in the original account, and the tail money is automatically transacted after the transaction is finished.
5. The block chain-based trusted transaction and service reputation evaluation method according to claim 4, wherein: the payment platform operation method in step S6 further includes that, when the transaction cannot be completed, the prepaid frozen amount that the information issuing person retains in the warranty platform is automatically transferred to the demand information person; and the tail money amount reserved in the guarantee platform by the demand information person is automatically unlocked.
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| CN114091953A (en) * | 2021-11-29 | 2022-02-25 | 江苏大学 | Credibility evaluation method and system based on heterogeneous block chain |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114091953A (en) * | 2021-11-29 | 2022-02-25 | 江苏大学 | Credibility evaluation method and system based on heterogeneous block chain |
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