CN113706264B - Block chain-based enterprise leasing method and device, electronic equipment and storage medium - Google Patents
Block chain-based enterprise leasing method and device, electronic equipment and storage medium Download PDFInfo
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- CN113706264B CN113706264B CN202111032796.5A CN202111032796A CN113706264B CN 113706264 B CN113706264 B CN 113706264B CN 202111032796 A CN202111032796 A CN 202111032796A CN 113706264 B CN113706264 B CN 113706264B
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- 238000000034 method Methods 0.000 title claims abstract description 55
- 238000012795 verification Methods 0.000 claims description 40
- 238000010801 machine learning Methods 0.000 claims description 7
- 238000013475 authorization Methods 0.000 claims description 6
- 230000008569 process Effects 0.000 abstract description 10
- 238000010586 diagram Methods 0.000 description 6
- 230000009471 action Effects 0.000 description 3
- 238000013473 artificial intelligence Methods 0.000 description 2
- 238000012549 training Methods 0.000 description 2
- 230000009286 beneficial effect Effects 0.000 description 1
- 230000006870 function Effects 0.000 description 1
- 238000002372 labelling Methods 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 230000000750 progressive effect Effects 0.000 description 1
- 238000012797 qualification Methods 0.000 description 1
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Classifications
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- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0645—Rental transactions; Leasing transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
- G06F16/90—Details of database functions independent of the retrieved data types
- G06F16/95—Retrieval from the web
- G06F16/951—Indexing; Web crawling techniques
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- 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
- 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
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- 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
- 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
- G06Q20/405—Establishing or using transaction specific rules
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
Abstract
The enterprise leasing method, the device, the electronic equipment and the storage medium based on the blockchain can be applied to the artificial intelligent field or the financial field, after the leasing information uploaded by the leasing enterprise for the leasing enterprise is obtained, the first enterprise information of the leasing enterprise in the leasing information can be uploaded to the first blockchain, the first blockchain executes the first intelligent contract to credit the leasing enterprise, and under the condition that the credit of the leasing enterprise passes, the account information of the leasing enterprise and the leasing enterprise in the leasing information is uploaded to the second blockchain, and the second blockchain executes the second intelligent contract to carry out account deduction, so that the whole process of credit and transaction of the leasing enterprise is completed. The invention can adopt on-chain transaction for enterprises passing through credit, is public, transparent and trace-free, thereby ensuring the disclosure and reliability of the whole process, improving the transaction efficiency and the transaction credibility, better restricting banking parties, renting enterprises and leasing enterprises and improving the customer experience.
Description
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to an enterprise leasing method, device, electronic equipment and storage medium based on a blockchain.
Background
A lessee is one of the loan objects of a bank, and a bank technician is often required to manually trust the lessee according to the qualification of the lessee, and the bank receives a certain right or funds from the lessee.
The whole credit giving process requires more personnel to participate, so that the bank has a certain control risk, credit giving cannot be fairly carried out, the efficiency is low, and the customer experience is poor.
Disclosure of Invention
In view of the above, the present invention provides a method, a device, an electronic device and a storage medium for renting enterprises based on blockchain, which have the following technical scheme:
a blockchain-based enterprise rental method, the method comprising:
acquiring the renting information uploaded by a renting enterprise aiming at the renting enterprise, wherein the renting information comprises first enterprise information of the renting enterprise and account information of the renting enterprise and the renting enterprise;
the first enterprise information is uplinked to a first blockchain, so that the first blockchain carries out credit on the rented enterprise by executing a first intelligent contract of the first blockchain, and the first intelligent contract is formulated based on credit conditions;
and under the condition that the lessee enterprise credit passing is determined, the account information is uploaded to a second blockchain, so that the second blockchain performs account deduction by executing a second intelligent contract of the second blockchain, and the second intelligent contract is formulated based on the credit contract.
Preferably, the step of uploading the first enterprise information to a first blockchain includes:
carrying out validity check on the first enterprise information;
and in the case that the first enterprise information is confirmed to pass through verification, the first enterprise information is uplink to a first blockchain.
Preferably, the verifying the validity of the first enterprise information includes:
the second enterprise information of the rented enterprise recorded in the credit knowledge base is called, and a web crawler acquires the third enterprise information of the rented enterprise;
and inputting the first enterprise information, the second enterprise information and the third enterprise information into a verification model, and obtaining a validity verification result output by the verification model, wherein the verification model is trained based on a machine learning technology.
Preferably, the method further comprises:
acquiring account deduction records of the second blockchain in a target transaction period;
and determining the credit status of the lessee enterprise according to the account deduction record, and recording the credit status into the credit authorization knowledge base as part of the information of the second enterprise.
A blockchain-based enterprise rental apparatus, the apparatus comprising:
the information acquisition module is used for acquiring the lessee information uploaded by the lessee enterprise aiming at the lessee enterprise, wherein the lessee information comprises first enterprise information of the lessee enterprise and account information of the lessee enterprise and the lessee enterprise;
the enterprise trust module is used for uploading the first enterprise information to a first blockchain so that the first blockchain trust the rented enterprise by executing a first intelligent contract of the first blockchain, and the first intelligent contract is formulated based on trust conditions;
and the account deduction module is used for uploading the account information to a second blockchain under the condition that the lessee enterprise credit passes is determined, so that the second blockchain performs account deduction by executing a second intelligent contract of the second blockchain, and the second intelligent contract is formulated based on the credit contract.
Preferably, the enterprise trust module configured to uplink the first enterprise information to a first blockchain is specifically configured to:
carrying out validity check on the first enterprise information; and in the case that the first enterprise information is confirmed to pass through verification, the first enterprise information is uplink to a first blockchain.
Preferably, the enterprise trust module for verifying the validity of the first enterprise information is specifically configured to:
the second enterprise information of the rented enterprise recorded in the credit knowledge base is called, and a web crawler acquires the third enterprise information of the rented enterprise; and inputting the first enterprise information, the second enterprise information and the third enterprise information into a verification model, and obtaining a validity verification result output by the verification model, wherein the verification model is trained based on a machine learning technology.
Preferably, the apparatus further comprises:
the credit determining module is used for acquiring account deduction records of the second blockchain in a target transaction period; and determining the credit status of the lessee enterprise according to the account deduction record, and recording the credit status into the credit authorization knowledge base as part of the information of the second enterprise.
An electronic device, the electronic device comprising: at least one memory and at least one processor; the memory stores a program, and the processor calls the program stored in the memory, wherein the program is used for realizing the enterprise leasing method based on the blockchain.
A storage medium having stored therein computer executable instructions for performing the blockchain-based enterprise rental method.
Compared with the prior art, the invention has the following beneficial effects:
the invention provides a block chain-based enterprise leasing method, a block chain-based enterprise leasing device, electronic equipment and a storage medium, wherein after the leasing information uploaded by a leasing enterprise for the leasing enterprise is acquired, the first enterprise information of the leasing enterprise in the leasing information can be uploaded to a first block chain, the first block chain executes a first intelligent contract to give credit to the leasing enterprise, and under the condition that the credit of the leasing enterprise passes, account information of the leasing enterprise and account information of the leasing enterprise in the leasing information are uploaded to a second block chain, and the second block chain executes a second intelligent contract to carry out account deduction, so that the whole process of credit giving and transaction to the leasing enterprise is completed. Based on the invention, on-chain transaction can be adopted for enterprises through which credit passes, and the on-chain transaction is disclosed, transparent and trace-free, so that the disclosure and reliability of the whole process are ensured, the transaction efficiency and the transaction reliability are improved, banking parties, renting enterprises and leasing enterprises are better constrained, and the customer experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only embodiments of the present invention, and that other drawings can be obtained according to the provided drawings without inventive effort for a person skilled in the art.
FIG. 1 is a method flow diagram of a blockchain-based enterprise rental method provided by an embodiment of the present invention;
FIG. 2 is a flowchart of another method of a blockchain-based enterprise rental method provided by embodiments of the present invention;
FIG. 3 is a partial method flow diagram of a blockchain-based enterprise rental method provided by an embodiment of the present invention;
FIG. 4 is a schematic diagram of a block chain based enterprise rental apparatus according to an embodiment of the present invention;
fig. 5 is another schematic structural diagram of a block chain-based enterprise rental apparatus according to an embodiment of the present invention.
Detailed Description
The following description of the embodiments of the present invention will be made clearly and completely with reference to the accompanying drawings, in which it is apparent that the embodiments described are only some embodiments of the present invention, but not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In order that the above-recited objects, features and advantages of the present invention will become more readily apparent, a more particular description of the invention will be rendered by reference to the appended drawings and appended detailed description.
The embodiment of the invention provides an enterprise leasing method based on a blockchain, which can reduce or even avoid manual participation and is used for automatically giving credit and managing and controlling transaction to a leased enterprise, wherein the method is applied to a banking party, and a flow chart of the method is shown in fig. 1 and comprises the following steps:
s10, acquiring the lessee information uploaded by the lessee enterprise aiming at the lessee enterprise, wherein the lessee information comprises first enterprise information of the lessee enterprise and account information of the lessee enterprise and the lessee enterprise.
In the embodiment of the invention, the renting enterprises are service providers, the renting enterprises are service demand parties, the renting enterprises rent the services of the renting enterprises by loaning to banking parties, and the banking parties collect certain fees or rights according to agreements. Before the renting enterprises and the lessee enterprises start the leasing contracts, the banking party needs to trust the lessee enterprises.
Therefore, before each renting of a renting enterprise, related renting information needs to be uploaded to a banking party, wherein the renting information comprises enterprise information uploaded by the renting enterprise, namely first enterprise information, and account information of the renting enterprise and other renting enterprises. Specifically, the first enterprise information may include information such as basic information, management information, legal information, financial information, etc., and the account information includes information such as payment account and payer of the rented enterprise, and collection account and payee of the rented enterprise.
S20, the first enterprise information is up-linked to the first blockchain, so that the first blockchain carries out credit on the rented enterprise by executing a first intelligent contract, and the first intelligent contract is formulated based on credit conditions.
In the embodiment of the invention, a banking party establishes two blockchains in advance, wherein a first blockchain belongs to an information chain and a second blockchain belongs to a transaction chain. Specifically, after obtaining the tenant information of the tenant enterprise, the banking party may record the first enterprise information to the first blockchain, where the first blockchain generates a corresponding block to record the first enterprise information. It should be noted that, the first enterprise information of the same tenant in different time is recorded by generating different blocks in the first blockchain, that is, the first enterprise information of one tenant in one time corresponds to one block in the first blockchain.
In addition, the first blockchain smart contract, that is, the first smart contract belongs to a trusted contract, which is formulated based on trusted conditions of a banking party to a tenant enterprise, so the first smart contract records all conditions that satisfy the trusted conditions. After the first enterprise information of the leased enterprise is uplink, the first blockchain automatically executes a first intelligent contract, the uplink first enterprise information is trusted, and a trusted result is returned to the banking party.
And S30, under the condition that the trust passing of the lessee enterprise is determined, the account information is uploaded to the second blockchain, so that the second blockchain performs account deduction by executing a second intelligent contract, and the second intelligent contract is formulated based on the trust contract.
In the embodiment of the invention, if the credit result returned by the first blockchain to the banking party indicates that the credit of the renting enterprise passes, the banking party can inform the renting enterprise and the renting enterprise that the renting transaction can be started. Of course, if the banking party determines that the trust of the lessee enterprise fails based on the trust information, the lessee enterprise may be notified of the trust failure, and the lessee enterprise may be prompted with the data item in the first enterprise information that does not conform to the first intelligent contract.
Further, after the lessee enterprise is informed, the lessee enterprise can carry out leasing transaction with the lessee enterprise through the loan service of the banking party. The bank side records account information of the renting enterprises and the renting enterprises to the second block chain, and the second block chain generates corresponding blocks to record the account information. It should be noted that, account information of the same group of renting enterprises and leasing enterprises in different lease periods can generate different blocks in the second blockchain for recording, that is, account information of a group of renting enterprises and leasing enterprises in one lease period corresponds to one block in the second blockchain.
In addition, the second blockchain smart contract, that is, the second smart contract belongs to a trade contract, which is formulated based on a trusted contract of a banking party to a lessee, and the trusted contract may be classified into an credited contract and a lease contract according to a trusted type. After successful trust of the lessee, the lessee and the lessee are subjected to uplink transaction, and the right or funds are deducted through the second intelligent contract according to the preset rule. The second blockchain does not interfere too much with both parties to the transaction.
Taking lease closing example, when the lessee transfers to the lessee in lease period, the bank can inform the second blockchain to automatically execute the second intelligent contract to execute lease deduction on the transaction of the corresponding block, the fixed percentage of the lease of the lessee account is taken as the commission of the bank, and the rest of the lease fees are transferred to the lessee account. Of course, when the account information includes the payer of the renting enterprise and the payee of the renting enterprise, the second blockchain can perform account verification, and after the account verification is passed, the renting deduction is executed.
In other embodiments, to ensure trust eligibility of a tenant, embodiments of the present invention may perform a validity check on the tenant before the first enterprise information of the tenant is uploaded to the first blockchain. Referring to the method flow shown in fig. 2, the "uplink the first enterprise information to the first blockchain" in step S20 may employ the following steps:
s201, carrying out validity check on the first enterprise information; in the event that the first enterprise information is determined to pass the verification, the first enterprise information is uploaded to a first blockchain.
In the embodiment of the invention, for the first enterprise information uploaded by the lessee enterprise, the banking party can obtain the related enterprise information of the lessee enterprise by using the crawler technology on the network, and further verify whether the information uploaded by the lessee enterprise meets the trust condition or not by comparing the data items of the two.
In other embodiments, in order to ensure the integrity of the validity check of the tenant, the embodiment of the present invention further creates a trusted knowledge base, where the enterprise information uploaded by the tenant in the past is recorded, specifically, the step S201 of "performing the validity check on the first enterprise information" may include the following steps, where a method flowchart is shown in fig. 3:
s2011, second enterprise information of the rented enterprise recorded by the credit knowledge base is called, and the web crawler acquires third enterprise information of the rented enterprise.
S2012, inputting the first enterprise information, the second enterprise information and the third enterprise information into a verification model, and obtaining a validity verification result output by the verification model, wherein the verification model is trained based on a machine learning technology.
In the embodiment of the invention, the enterprise information of the rented enterprise, which is the second enterprise information, which is the enterprise information of the rented enterprise and is obtained by the web crawler, is recorded in the trust knowledge base. And verifying each data item in the first enterprise information by taking the second enterprise information and the third enterprise information as references to determine the data item which does not accord with the trust condition in the first enterprise information. When the data of the data item which does not meet the trust condition exceeds the corresponding threshold value, the fact that the rented enterprise fails the validity check is determined, and at the moment, the first enterprise information can be sent back to the rented enterprise to be edited and uploaded again. And when the number of the data items which do not meet the trust condition does not exceed the corresponding threshold value, the first enterprise information is uploaded into the first block chain.
In addition, when the validity of the first enterprise information is verified, the embodiment of the invention trains the verification model based on the machine learning technology, and whether the first enterprise information passes the validity verification can be determined through the verification model. And when the verification model is trained, the configured enterprise information can be used as a sample, and the prediction result of the basic model on the sample is close to the labeling result, and the basic model is trained, wherein the configured enterprise information comprises enterprise information uploaded by a lessee enterprise, enterprise information recorded in a trusted knowledge base and enterprise information acquired by a web crawler. For the training process of the basic model, the embodiment of the invention is not repeated, and the basic model obtained after the training is finished is the verification model.
In addition, in addition to the enterprise information uploaded by the lessee enterprise, the credit analysis of the lessee enterprise can be further increased in the embodiment of the invention, so that the validity check of the first enterprise information of the lessee enterprise can be assisted. Specific:
acquiring account deduction records of the second blockchain in a target transaction period; and determining the credit status of the rented enterprise according to the account deduction record, and recording the credit status into a credit authorization knowledge base as part of the information of the second enterprise.
In the embodiment of the invention, after the lease period of the lessee and the lessee is over, the whole account book of the second blockchain can be subjected to statistical analysis, and account deduction records of the lessee and the lessee in at least one transaction period are obtained from the corresponding blocks, wherein the at least one transaction period is the target transaction period.
By analyzing account deduction records in the target transaction period, the credit capacity, the number of violations and the like of the rented enterprises can be obtained, so that the credit state of the rented enterprises can be determined, and the credit state can be divided into a plurality of grades, such as high, medium and low grades according to the information of the credit capacity, the number of violations and the like. The credit status of the lessee is recorded in the credit record, and can be used for validity verification.
According to the enterprise leasing method based on the blockchain, two blockchains belonging to the information chain and the transaction chain are established, intelligent analysis is carried out on leasing information uploaded by a leasing enterprise to ensure that the information is true and reliable, automatic credit giving is carried out on the leasing enterprise through the first blockchain belonging to the information chain, after the credit giving is passed, management and control and automatic fund/right collection are carried out on transactions of the leasing enterprise and the leasing enterprise through the second blockchain belonging to the transaction chain, all processes are transparent and public, and trust of the leasing enterprise to banks is improved.
Based on the block chain-based enterprise leasing method provided by the embodiment, the embodiment of the invention correspondingly provides a device for executing the block chain-based enterprise leasing method, and a schematic structural diagram of the device is shown in fig. 4, including:
an information obtaining module 10, configured to obtain tenant information uploaded by a tenant for its renting enterprise, where the tenant information includes first enterprise information of the tenant and account information of the tenant and the renting enterprise;
the enterprise trust module 20 is configured to uplink first enterprise information to the first blockchain, so that the first blockchain trust the tenant enterprise by executing a first intelligent contract thereof, where the first intelligent contract is formulated based on trust conditions;
the account deduction module 30 is configured to, in a case where it is determined that the trust of the tenant passes, uplink the account information to the second blockchain, so that the second blockchain performs account deduction by executing a second intelligent contract thereof, where the second intelligent contract is formulated based on the trust contract.
Optionally, the enterprise trust module 20 is configured to uplink the first enterprise information to the first blockchain, and specifically is configured to:
carrying out validity check on the first enterprise information; in the event that the first enterprise information is determined to pass the verification, the first enterprise information is uploaded to a first blockchain.
Optionally, the enterprise trust module 20 is configured to perform validity verification on the first enterprise information, and specifically is configured to:
the second enterprise information of the rented enterprise recorded by the credit knowledge base is called, and the web crawler acquires the third enterprise information of the rented enterprise; the first enterprise information, the second enterprise information and the third enterprise information are input into a verification model, a validity verification result output by the verification model is obtained, and the verification model is trained based on a machine learning technology.
Optionally, referring to the schematic structural diagram shown in fig. 5, the enterprise leasing apparatus further includes:
a credit determination module 40 for obtaining an account credit record of the second blockchain in the target transaction period; and determining the credit status of the rented enterprise according to the account deduction record, and recording the credit status into a credit authorization knowledge base as part of the information of the second enterprise.
It should be noted that, the refinement function of each module in the embodiment of the present invention may refer to the corresponding disclosure portion of the above embodiment of the block chain-based enterprise rental method, which is not described herein again.
Based on the enterprise renting method based on the blockchain provided by the embodiment, the embodiment of the invention correspondingly provides electronic equipment, which comprises: at least one memory and at least one processor; the memory stores a program, and the processor invokes the program stored in the memory, wherein the program is used for realizing the enterprise leasing method based on the blockchain.
Based on the enterprise leasing method based on the blockchain provided by the embodiment, the embodiment of the invention correspondingly provides a storage medium, wherein the storage medium stores computer executable instructions for executing the enterprise leasing method based on the blockchain.
It should be noted that, the enterprise leasing method, the device, the electronic equipment and the storage medium based on the blockchain provided by the invention can be used in the artificial intelligence field or the financial field. The foregoing is merely an example, and the application fields of the enterprise rental method, the apparatus, the electronic device and the storage medium based on the blockchain are not limited.
The above detailed description of the enterprise leasing method, device, electronic equipment and storage medium based on blockchain provided by the invention applies specific examples to illustrate the principle and implementation of the invention, and the above description of the examples is only used to help understand the method and core idea of the invention; meanwhile, as those skilled in the art will have variations in the specific embodiments and application scope in accordance with the ideas of the present invention, the present description should not be construed as limiting the present invention in view of the above.
It should be noted that, in the present specification, each embodiment is described in a progressive manner, and each embodiment is mainly described as different from other embodiments, and identical and similar parts between the embodiments are all enough to be referred to each other. For the device disclosed in the embodiment, since it corresponds to the method disclosed in the embodiment, the description is relatively simple, and the relevant points refer to the description of the method section.
It is further noted that relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Moreover, 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, or is intended to include, elements inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising one … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (6)
1. A blockchain-based enterprise rental method, the method comprising:
acquiring the renting information uploaded by a renting enterprise aiming at the renting enterprise, wherein the renting information comprises first enterprise information of the renting enterprise and account information of the renting enterprise and the renting enterprise;
the first enterprise information is uplinked to a first blockchain, so that the first blockchain carries out credit on the rented enterprise by executing a first intelligent contract of the first blockchain, and the first intelligent contract is formulated based on credit conditions;
in the case that the lessee enterprise credit passes, the account information is uploaded to a second blockchain, so that the second blockchain performs account deduction by executing a second intelligent contract of the second blockchain, wherein the second intelligent contract is formulated based on a credit contract;
wherein the step of linking the first enterprise information to a first blockchain includes:
carrying out validity check on the first enterprise information;
in the case that the first enterprise information is determined to pass through verification, the first enterprise information is uplink to a first blockchain;
the verifying the validity of the first enterprise information includes:
the second enterprise information of the rented enterprise recorded in the credit knowledge base is called, and a web crawler acquires the third enterprise information of the rented enterprise;
and inputting the first enterprise information, the second enterprise information and the third enterprise information into a verification model, and obtaining a validity verification result output by the verification model, wherein the verification model is trained based on a machine learning technology.
2. The method according to claim 1, wherein the method further comprises:
acquiring account deduction records of the second blockchain in a target transaction period;
and determining the credit status of the lessee enterprise according to the account deduction record, and recording the credit status into the credit authorization knowledge base as part of the information of the second enterprise.
3. A blockchain-based enterprise rental apparatus, the apparatus comprising:
the information acquisition module is used for acquiring the lessee information uploaded by the lessee enterprise aiming at the lessee enterprise, wherein the lessee information comprises first enterprise information of the lessee enterprise and account information of the lessee enterprise and the lessee enterprise;
the enterprise trust module is used for uploading the first enterprise information to a first blockchain so that the first blockchain trust the rented enterprise by executing a first intelligent contract of the first blockchain, and the first intelligent contract is formulated based on trust conditions;
the account deduction module is used for uploading the account information to a second blockchain under the condition that the lessee enterprise credit passes is determined, so that the second blockchain performs account deduction by executing a second intelligent contract of the second blockchain, and the second intelligent contract is formulated based on the credit contract;
the enterprise trust module is configured to uplink the first enterprise information to a first blockchain, and is specifically configured to:
carrying out validity check on the first enterprise information; in the case that the first enterprise information is determined to pass through verification, the first enterprise information is uplink to a first blockchain;
the enterprise trust module is configured to perform validity verification on the first enterprise information, and is specifically configured to:
the second enterprise information of the rented enterprise recorded in the credit knowledge base is called, and a web crawler acquires the third enterprise information of the rented enterprise; and inputting the first enterprise information, the second enterprise information and the third enterprise information into a verification model, and obtaining a validity verification result output by the verification model, wherein the verification model is trained based on a machine learning technology.
4. A device according to claim 3, characterized in that the device further comprises:
the credit determining module is used for acquiring account deduction records of the second blockchain in a target transaction period; and determining the credit status of the lessee enterprise according to the account deduction record, and recording the credit status into the credit authorization knowledge base as part of the information of the second enterprise.
5. An electronic device, the electronic device comprising: at least one memory and at least one processor; the memory stores a program, and the processor invokes the program stored in the memory to implement the blockchain-based enterprise rental method of any of claims 1-2.
6. A storage medium having stored therein computer executable instructions for execution by a processor for implementing the blockchain-based enterprise rental method of any of claims 1-2.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111032796.5A CN113706264B (en) | 2021-09-03 | 2021-09-03 | Block chain-based enterprise leasing method and device, electronic equipment and storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202111032796.5A CN113706264B (en) | 2021-09-03 | 2021-09-03 | Block chain-based enterprise leasing method and device, electronic equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN110175208A (en) * | 2019-04-10 | 2019-08-27 | 阿里巴巴集团控股有限公司 | Rent method and device based on block chain |
| CN111489248A (en) * | 2020-03-10 | 2020-08-04 | 天元大数据信用管理有限公司 | Loan risk control method, system, equipment and medium based on block chain |
| CN111815272A (en) * | 2020-06-30 | 2020-10-23 | 平安国际智慧城市科技股份有限公司 | Application auditing method and device, electronic equipment and storage medium |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110175208A (en) * | 2019-04-10 | 2019-08-27 | 阿里巴巴集团控股有限公司 | Rent method and device based on block chain |
| CN111489248A (en) * | 2020-03-10 | 2020-08-04 | 天元大数据信用管理有限公司 | Loan risk control method, system, equipment and medium based on block chain |
| CN111815272A (en) * | 2020-06-30 | 2020-10-23 | 平安国际智慧城市科技股份有限公司 | Application auditing method and device, electronic equipment and storage medium |
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