CN115099929A

CN115099929A - Block chain-based order generation method, device and equipment

Info

Publication number: CN115099929A
Application number: CN202210705377.1A
Authority: CN
Inventors: 陈美清
Original assignee: Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2022-06-21
Filing date: 2022-06-21
Publication date: 2022-09-23

Abstract

The embodiment of the specification discloses an order generation method, device and equipment based on a block chain. The scheme can comprise the following steps: after acquiring service application information of a user, a block chain system calls a first intelligent contract to carry out risk identification according to the service application information of the user and on-chain credit data of the user so as to determine available service products of the user meeting preset conditions; if the blockchain transaction used by the user to instruct to order the target business product in the available business products is obtained, the order of the user for the target business product can be directly generated.

Description

Block chain-based order generation method, device and equipment

Technical Field

The present application relates to the field of block chain technologies, and in particular, to a method, an apparatus, and a device for generating an order based on a block chain.

Background

With the development of economy and the advancement of technology, more and more business products are provided by each business organization. In the business operation process, risk control is usually required to be performed for business orders of each user, so as to reduce the possibility of occurrence of risk events and guarantee the rights and interests of enterprises and users. Currently, each business organization usually sets a wind control strategy needed by the organization by itself, and requests to acquire relevant user credit data from a trusted organization, so as to evaluate risks of users for ordering orders of business products provided by the users by using the wind control strategy and the relevant user information data.

Therefore, how to improve the processing efficiency and transparency of the order aiming at the business product becomes a technical problem to be solved urgently.

Disclosure of Invention

The method, the device and the equipment for generating the order based on the block chain can improve the processing efficiency and the transparency of the order aiming at the business product.

In order to solve the above technical problem, the embodiments of the present specification are implemented as follows:

an order generation method based on a block chain provided in an embodiment of the present specification includes:

the blockchain system acquires a first blockchain transaction of a user; the first block chain transaction carries loan service application information of the user;

calling a first intelligent contract deployed in the block chain system, and performing risk identification according to the loan service application information of the user and the on-chain credit data of the user to obtain a loan service risk identification result;

determining available loan service products of which the user accords with preset loan conditions according to the loan service risk identification result;

obtaining a second blockchain transaction for the user; the second blockchain transaction is used for indicating the ordering of a target loan service product in the available loan service products;

generating an order for the targeted loan transaction product by the user based on the second blockchain transaction.

An order generation apparatus based on a block chain provided in an embodiment of this specification includes:

the first transaction acquisition module is used for acquiring a first blockchain transaction of a user by the blockchain system; the first blockchain transaction carries service application information of the user;

the risk identification module is used for calling a first intelligent contract deployed in the block chain system, carrying out risk identification according to the service application information of the user and the on-chain credit data of the user, and obtaining a service risk identification result;

the available product determining module is used for determining available service products of which the users meet preset conditions according to the service risk identification result;

the second transaction acquisition module is used for acquiring a second block chain transaction of the user; the second blockchain transaction is used for indicating the ordering of a target business product in the available business products;

and the order generation module generates the order of the user for the target business product based on the second blockchain transaction.

An order generating device provided in an embodiment of the present specification based on a block chain includes:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein, the first and the second end of the pipe are connected with each other,

the memory stores instructions executable by the at least one processor to cause the at least one processor to:

the blockchain system acquires a first blockchain transaction of a user; the first blockchain transaction carries service application information of the user;

calling a first intelligent contract deployed in the block chain system, and performing risk identification according to the service application information of the user and the on-chain credit data of the user to obtain a service risk identification result;

determining available service products of which the users meet preset conditions according to the service risk identification result;

obtaining a second blockchain transaction for the user; the second blockchain transaction is used for indicating the ordering of a target business product in the available business products;

generating an order for the target business product by the user based on the second blockchain transaction.

At least one embodiment provided in this specification can achieve the following advantageous effects:

after acquiring the service application information of the user, the block chain system can utilize a first intelligent contract to perform risk identification according to the service application information of the user and the credit data on the chain of the user so as to determine an available service product of which the user meets a preset service condition; if the blockchain transaction used by the user to instruct to order the target business product in the available business products is obtained, the order of the user for the target business product can be directly generated. According to the scheme, the service risk identification can be directly carried out by using the on-chain credit data of the user, so that the waiting time for requesting other mechanisms to acquire the credit data related to the user can be saved, and the processing efficiency of the order aiming at the service product can be improved. And because the risk control strategy at each business organization is executed by utilizing the intelligent contract on the chain, the problem of opaque business order auditing process of each business organization can be avoided, and the processing transparency of the order aiming at the business product is improved.

Drawings

In order to more clearly illustrate the embodiments of the present specification 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, it is obvious that the drawings in the description below are only some embodiments described in the present application, and for those skilled in the art, other drawings may be obtained according to the drawings without creative efforts.

Fig. 1 is a schematic view of an application scenario of an order generation method based on a block chain according to an embodiment of the present specification;

fig. 2 is a schematic flowchart of an order generation method based on a blockchain according to an embodiment of the present disclosure;

FIG. 3 is a swim lane flow diagram corresponding to the blockchain-based order generation method in FIG. 2 according to an embodiment of the present disclosure;

fig. 4 is a schematic structural diagram of an order generating apparatus based on a block chain corresponding to fig. 2 according to an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of an order generating apparatus based on a block chain according to an embodiment of the present disclosure and corresponding to fig. 2.

Detailed Description

To make the objects, technical solutions and advantages of one or more embodiments of the present disclosure more apparent, the technical solutions of one or more embodiments of the present disclosure will be described in detail and completely with reference to the specific embodiments of the present disclosure and the accompanying drawings. It is to be understood that the embodiments described are only a few embodiments of the present specification, and not all embodiments. All other embodiments that can be derived by a person skilled in the art from the embodiments given herein without making any creative effort fall within the scope of protection of one or more embodiments of the present specification.

The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.

With the development of economy and the advancement of technology, more and more business products are provided by each business organization. Because the risk strategies of each business mechanism are different and the risk control strategies depend on the manual experience of workers at a single business mechanism, the transparency of the processing process aiming at the business orders is influenced; on the other hand, the business institution mainly evaluates the business risk by acquiring the credit data of the user from the right institution, but the authority usually consumes a lot of time when feeding back the credit data of the user, thereby resulting in a slow processing speed of the business order.

In order to solve the defects in the prior art, the scheme provides the following embodiments:

fig. 1 is a schematic view of an application scenario of an order generation method based on a block chain according to an embodiment of the present specification.

In this embodiment of the present specification, a Block chain (Block chain) may be understood as a data chain formed by sequentially storing a plurality of blocks, where a Block header of each Block includes a time stamp of the Block, a hash value of previous Block information, and a hash value of the Block information, so as to implement mutual authentication between blocks, and form a Block chain that cannot be tampered. Each block can be understood as a data block (unit of storage data). The block chain as a decentralized database is a series of data blocks generated by correlating with each other by using a cryptographic method, and each data block contains information of one network transaction, which is used for verifying the validity (anti-counterfeiting) of the information and generating the next block. The block chain is a chain formed by connecting the blocks end to end. If the data in the block needs to be modified, the data backed up by all nodes in the blockchain network needs to be modified in addition to the content of all blocks after the block. Therefore, the data stored in the block (i.e. the data on the chain) has the characteristic of being difficult to tamper with and delete, and the data is reliable as a method for maintaining the integrity of the content after being saved in the block chain.

As shown in fig. 1, a plurality of block link nodes capable of communicating with each other may be included in the block chain system, for example, a first block chain node 101, a second block chain node 102, a third block chain node 103, a fourth block chain node 104, a fifth block chain node 105, and the like. A user's terminal device 110 may be communicatively coupled to the blockchain system.

In the blockchain system, on-chain credit data including transaction records, order information and performance information thereof, loan and repayment records, accounts receivable and the like of the user can be stored. Intelligent contracts that can be used for risk identification and determination of available business products are deployed in a blockchain system according to business policies of various business entities. The terminal device 110 of the user may generate a first blockchain transaction carrying the service application, and after the blockchain system obtains the transaction, the blockchain system invokes an intelligent contract to perform risk identification according to credit data on the chain and determine an available service product. The user may select a target service product from the available service products, and then generate a second blockchain transaction carrying information of the ordered target service product through the terminal device 110 of the user. And the blockchain system generates a business order based on the second blockchain transaction and instructs each business mechanism to provide the target business product for the user according to the business order.

Since the on-chain credit data and the intelligent contract belong to on-chain data, the on-chain credit data and the intelligent contract have the characteristics of transparency in disclosure, difficulty in tampering and high reliability, in the embodiment of the description, the on-chain credit data of the user is directly utilized for carrying out business order risk identification, on one hand, the waiting time for requesting other organizations to acquire the credit data related to the user can be saved, and the processing efficiency of orders aiming at business products can be improved. On the other hand, as the risk control strategy at each business organization is executed by utilizing the intelligent contract on the chain, the problem of opaqueness in the business order auditing process of each business organization can be avoided, and the processing transparency of the order aiming at the business product is improved.

Next, a block chain based order generation method provided in an embodiment of the specification will be specifically described with reference to the accompanying drawings:

fig. 2 is a flowchart illustrating an order generation method based on a blockchain according to an embodiment of the present disclosure. From a program perspective, the execution subject of the process may be a blockchain system or an application installed in the blockchain system. As shown in fig. 2, the process may include the following steps:

step 202: the blockchain system acquires a first blockchain transaction of a user; the first blockchain transaction carries service application information of the user.

In the embodiment of the present specification, the blockchain system may be a public chain that anyone can participate in use and maintenance; it is also possible to be a federation chain that allows only authorized nodes to join the network and view information under authority.

The user may deploy blockchain nodes in a blockchain system and issue blockchain transactions based on their blockchain nodes. Alternatively, the user may not deploy blockchain nodes, but instead use the common blockchain link points to publish blockchain transactions.

In the illustrated embodiment, a blockchain Transaction (Transaction) generally refers to a piece of instruction and data that is sent to the blockchain system to alter the data and state on the chain. The first blockchain transaction may be a blockchain transaction initiated by the user for applying for transaction. The first blockchain transaction may carry information such as service application information, a service application information receiving address, a service application result receiving address, and the like of the user. The service application information may also carry one or more of identity information, pledge information, expected service limit and the like of the user.

In the embodiment of the present specification, the types of the services requested to be transacted by the user through the service application request may be various, for example, a loan service, a credit sale service, and the like.

When the service is a loan service, the service application information of the user carried in the first blockchain transaction may include: the loan application information, the loan application information receiving address, the loan application result receiving address and other information of the user. The loan application information specifically includes: one or more of identity information, pledge information, expected loan amount, expected loan term, expected loan mode, repayment source and the like of the user.

When the service is a credit sale service, the service application information of the user carried in the first blockchain transaction may include: the user applies for the order information, the receiving address of the order application result and other information of the product or service. The order application information may also carry one or more of identity information of the user, pledge information, expected transaction amount, product information or service information, and the like.

Step 204: and calling a first intelligent contract deployed in the block chain system, and performing risk identification according to the service application information of the user and the on-chain credit data of the user to obtain a service risk identification result.

In this embodiment, the intelligent contract may be a piece of encrypted contract code stored in the blockchain system, and the contract code specifies the calling condition of the intelligent contract and the service processing logic, that is, specifies the calling condition for starting the intelligent contract and how to process the received service processing request after the intelligent contract is started. The intelligent contract may also be recorded in the block in the form of an address and a hash value of the intelligent contract. When a certain node needs to call the intelligent contract, the node can obtain the specific content of the intelligent contract through the address of the intelligent contract.

In this embodiment of the present specification, the contract code of the first intelligent contract may be used to perform risk identification on the service application information of the user and the on-chain credit data of the user according to a risk policy of each service organization, so as to obtain a service risk identification result. Because the first intelligent contract belongs to the data on the chain and is encrypted, the transparency and consistency of the risk identification process can be ensured, and the risk strategy can be prevented from being revealed.

In this embodiment, the on-chain credit data of the user may include other business order information completed by the user in the blockchain, a result whether the user is at risk fed back from a trusted authority, and may further include accounts receivable of the user, prepaid accounts of the user, inventory information of the user, and so on, which reflect business transaction information between the user and other users. The link credit data can be encrypted link credit data, so that people can browse and use the link credit data of the user after obtaining the reference authority, and the privacy and the safety of the user credit data are guaranteed. The on-chain credit data can also include off-chain credit data requested to be acquired from a trusted authority based on an Oracle (e.g., whether the user is risky result fed back by the credit investigation center, etc.), thereby facilitating the richness of the off-chain credit data.

In the embodiment of the present specification, the service risk identification result may reflect the possibility of various losses occurring if a service organization provides a target service product; the service risk identification result may specifically include one or more of credit score, credit level, and available service amount of the user at each service organization.

In the embodiment of the present specification, if the service is a loan service, the service risk identification result may reflect the possibility that, after a loan payment is issued, various losses may occur in a service institution such as a loan institution due to factors such as a loan object, a loan method, a loan term, and a loan form; the business risk identification result may specifically include one or more of credit score, credit rating, available loan amount, loan interest rate, and guarantee risk of the user at each loan institution.

In the embodiment of the present specification, if the service is a credit sale service, the service risk identification result may reflect the possibility of various losses occurring in service mechanisms such as a supplier and a service provider after a product is shipped or a service is provided; the business risk identification result may specifically include one or more items of credit score, credit rating, debt total amount, and transaction amount of the user at each business organization.

Step 206: and determining available loan service products of which the user meets preset conditions of preset loan conditions according to the loan service risk identification result.

In this embodiment of the present specification, the service product may be provided by one or more service organizations, each service organization may provide one or more service products, and each service product may set an independent preset condition. The preset conditions may be set corresponding to the business risk identification result, and set conditions for one or more of credit score, credit rating, available business amount and guarantee risk of the user.

In this embodiment of the present specification, if a service risk identification result of the user meets a preset condition of a certain service product, the service product may be used as the available service product. After the available service product is determined, the relevant information of the available service product can be fed back to the user.

In this embodiment of the present specification, when the service is a loan service, if the service risk identification result of the user meets a preset condition of a certain loan product, the loan product may be used as the available service product. After the available service product is determined, the relevant information of the available service product can be fed back to the user.

In this embodiment of the present specification, when the service is a credit sale service, if a service risk identification result of the user meets a preset condition for a certain service product during sale, the service product may be used as the available service product. After the available service product is determined, the relevant information of the available service product can be fed back to the user.

Step 208: obtaining a second blockchain transaction for the user; the second blockchain transaction is used to indicate an order to a target business product of the available business products.

In this embodiment of the present specification, the second blockchain transaction may be issued by a blockchain node deployed by a user, or may be issued by a terminal device of the user via a common blockchain node. The second blockchain transaction may carry identification information of the target service product, and in addition, may also carry detailed information related to ordering the target service product.

For example, for the loan service, the second blockchain transaction may carry identification information of a target loan product (i.e., a target service product), and may also carry information of a loan amount, a loan interest rate, a repayment method, a mortgage, a pledge, a warrantee, and the like.

Step 210: generating the user's order for the targeted loan transaction product based on the second blockchain transaction.

In this embodiment, the blockchain system may respond to the second blockchain transaction based on a pre-deployed intelligent contract, so as to generate the order of the user for the target business product, without a business organization that provides the target business product evaluating the risk of transacting business of the user again to generate the order.

In the method shown in fig. 2, after acquiring the service application information of the user, the blockchain system may utilize a first intelligent contract to perform risk identification according to the service application information of the user and the on-chain credit data of the user, so as to determine an available service product for which the user meets a preset condition; if the blockchain transaction which can be used for indicating the ordering of the target business product in the available business products by the user is obtained, the order of the user for the target business product can be directly generated. According to the scheme, the service order risk identification can be directly carried out by using the on-chain credit data of the user, so that the waiting time for requesting other mechanisms to acquire the credit data related to the user can be saved, and the processing efficiency of the order aiming at the service product can be improved. And because the risk control strategy at each business organization is executed by utilizing the intelligent contract on the chain, the problem of opaque business order auditing process of each business organization can be avoided, and the processing transparency of the order aiming at the business product is improved.

Based on the method in fig. 2, some specific embodiments of the method are also provided in the examples of this specification, which are described below.

In practical applications, the business order may relate to a mortgage, a pledge, a guarantee, etc., but in any case, the identity information of the user needs to be verified, and the credit data of the user is acquired according to the identity information of the user to perform business risk identification.

Based on this, the service application information may include identity information of the user.

And step 204: calling a first intelligent contract deployed in the block chain system, and performing risk identification according to the service application information of the user and the on-chain credit data of the user to obtain a service risk identification result, which may specifically include:

executing contract codes of the first intelligent contract to generate a business risk identification result if the first blockchain transaction meets the calling condition aiming at the first intelligent contract; and when executed, the contract code of the first intelligent contract is used for acquiring the on-chain credit data of the user, which is stored in the block chain system, according to the identity information of the user, and performing risk identification according to the on-chain credit data of the user to obtain a service risk identification result.

In this embodiment of the present specification, if the user is an individual, the identity information of the user may include a name and unique identity information of the user; if the user is an enterprise, the identity information of the user may include one or more of a name, an organization code, a taxpayer identification number, and the like. In practical applications, on-chain credit data having a corresponding relationship with the identity information of the user may be acquired from the blockchain system as the identity information of the user based on the identity information of the user.

In an embodiment of the present specification, if the first blockchain transaction does not meet the call condition for the first intelligent contract, the blockchain system may not execute a contract code of the first intelligent contract, so as not to perform risk identification for the service application information of the user, so as to save device resources.

In the embodiment of the present specification, the business method may include that the user generates a business order for the pledge, such as a pledge loan, a credit sale with the pledge, and the like, according to the actual property or right of the user or a third person.

Based on this, the service application information may also include pledge information.

executing contract codes of the first intelligent contract to generate a business risk identification result if the first blockchain transaction meets the calling condition aiming at the first intelligent contract; the contract code of the first intelligent contract may be specifically configured to, when executed, obtain the on-chain credit data of the user stored in the block chain system according to the identity information of the user, generate an evaluation result for the pledge information according to the on-chain credit data of the user, and perform risk identification according to the evaluation result and the on-chain credit data to obtain a service risk identification result.

In the embodiment of the present specification, the pledge may include a user's or a third person's action or right, and specifically, may include: account receivable, future pick-up rights, inventory, etc. The pledget information may include related information reflecting the content of the pledget and the authority, such as device purchase invoice information for certifying that the user has a designated device, invoice information for certifying that the customer is to be paid, and the like.

The user's on-chain credit data may be used to verify the risk of generating a business order based on the pledge. For example, a completed business order of a user in the blockchain system may be used to determine whether a target pledget submitted by the user at the time of the business application is pledged. Specifically, when the business product order completed by the user in the block chain system includes the target pledget of the user, the target pledget of the user can be considered to be pledged; when the user does not include the user's target pledget in the completed business order in the blockchain system, it can be considered that the user's target pledget is not pledged with a high probability. Secondly, the information of the business transaction between the user and other users can be contracts about the pledge and/or receipt and payment certificates, and the authenticity of the pledge information of the user can be determined according to the information of the business transaction between the user and other users.

Specifically, the block chain system executes the contract code of the first intelligent contract, and can acquire the on-chain credit data including the transaction record, the loan record and the repayment record of the user according to the identity information of the user, verify the authenticity of the pledge, and determine the evaluation result of the pledge. And performing risk identification according to the transaction record, the loan record, the repayment record and the valuation result of the user to obtain service risk identification results such as credit score, available service amount, pledge risk and the like of the user.

In this embodiment, after acquiring the service application information of the user, the block chain system may use a first intelligent contract to perform, according to the service application information of the user and the on-chain credit data of the user, material-pledge evaluation and pledge risk identification. Because the data on the chain can not be tampered, the credibility of the evaluation result of the pledge determined according to the data on the chain is higher, and meanwhile, the authenticity risk, the property right risk, the value risk and the like of the business order generated in the pledge mode can be accurately identified. In addition, the on-chain credit data of the user can be directly utilized to carry out business order risk identification, so that the time for evaluating the value and evaluating the risk of the pledge under the chain can be saved, and the processing efficiency of the order aiming at the business product can be improved.

In this embodiment of the present disclosure, a distributed Application (DApp) is an Application program developed by relying on a blockchain technology core, and may provide a user interface for the user to perform an operation through the user interface to interact with a blockchain system, which is beneficial to improving convenience of operation of the user.

Based on this, step 202: the blockchain system acquiring a first blockchain transaction of the user may specifically include:

the block chain system acquires a first block chain transaction generated by a user through distributed application; the identity information of the user carried by the first blockchain transaction includes: a distributed digital identity stored in the distributed application that the user registered at the blockchain system.

In this embodiment of the present specification, a user may generate a first blockchain transaction for requesting to transact a service through a distributed Application (DApp), and send the first blockchain transaction to a blockchain system, so as to initiate a service Application request to the blockchain system through the first blockchain transaction.

In practical applications, a user may register personal distributed Digital Identification (DID) information in advance at the blockchain system, and store the DID of the user in a distributed application. Because the DID has the advantages of verifiability and high credibility, when a user initiates a first block chain transaction based on the DAPP and the personal DID, the operation is more convenient, and the credibility and the safety of a service order processing result aiming at the user can be improved by ensuring the authenticity of the identity information of the user.

In practical application, each business organization usually sets a wind control strategy required by the organization, and the first intelligent contract is compiled according to the risk control strategy of each business organization, and is deployed to the block chain system after the audit of each business organization is passed, so as to ensure the rights and interests of each business organization.

Based on this, before executing the contract code of the first intelligent contract, the method may further include:

and acquiring a third block chain transaction which can be used for deploying the first intelligent contract, wherein the third block chain transaction carries contract codes of the first intelligent contract which is audited and passed in advance by each service agency, and the service agency can be used for providing service products at the block chain system.

Storing contract code for the first intelligent contract to the blockchain system.

In the embodiment of the present specification, the same first intelligent contract may be generally deployed for multiple business mechanisms to implement a risk control policy of each business mechanism based on the same intelligent contract, so that convenience in deploying and managing the intelligent contracts may be simplified. Specifically, when the contract code of the first intelligent contract runs, the preset parameters corresponding to each business mechanism can be called, and the difference risk control strategy of the difference of different business mechanisms is realized by making the numerical values of the preset parameters corresponding to each business mechanism have difference.

In this embodiment, since different business entities may share the first intelligent contract, a designated entity may be entrusted to deploy and manage the first intelligent contract. Specifically, the designated mechanism can compile contract codes of the first intelligent contract according to risk policies of each business mechanism, and send the contract codes to each business mechanism for offline examination, and if each business mechanism passes the examination and approval, the contract codes of the first intelligent contract passing the examination and approval are stored in the block chain system.

In practical applications, if the blockchain system is used to run a federation chain, the designated authority may be a federation chain administrator, or an authority that obtains a deployment right for a first intelligent contract from the federation chain administrator, and after determining that the designated authority has the deployment right for the first intelligent contract by using each node in the blockchain system by carrying the identification information of the designated authority in a third blockchain transaction, the designated authority will store the contract code of the first intelligent contract to the blockchain system, so as to prevent a lawless person from damaging the service authority right as deploying the first intelligent contract in the blockchain system.

In this embodiment of the present specification, the service application information of the user may generally include an expected service quota; the business risk identification result determined in step 204 may include the available business limit of the user at each business institution; wherein the business mechanism can be used to provide business products at the blockchain system.

Based on this, step 206: determining, according to the service risk identification result, an available service product for which the user meets a preset condition, which may specifically include:

determining a target service mechanism from each service mechanism according to the available service limit and the expected service limit of the user at each service mechanism; and the available service amount of the user at the target service mechanism is greater than a preset threshold value.

And determining available service products of which the users meet preset conditions from the service products provided by the target service mechanism.

In this embodiment of the present specification, the expected service quota may be a quota expected to be referred to when the user applies for service handling to a service organization. For example, an expected loan amount in a loan scenario, an expected transaction amount in a credit sale scenario, etc.

The available service limit may be the maximum service limit that the service organization can provide to the user, such as a loan limit and a credit sale limit. The available service quota can be determined according to the service application information and the on-chain credit data, and in general, the better the credit of the user, the higher the collateral evaluation value and the stronger the repayment capability of the user, the larger the available service quota of the user will be. In practical applications, there are also situations where a business entity does not have an available amount of service at the business entity because the business entity plans to loan out a limited amount or has a limited amount available for credit sales, and the business entity does not have a loanable amount or does not make a credit sale, etc.

The preset threshold may be the lowest available service amount set by the service organization, and may be set by each service organization according to its wind control policy, for example, the preset threshold may be set to a fixed value such as 0 or 1000, or the preset threshold may also be a variable value, for example, the preset threshold may be an expected service amount of a user, and the like.

The preset conditions are conditions that need to be met for ordering the business products, and differences may exist between the preset conditions of different business products, which is not particularly limited. For example, the lowest credit score/credit level that a user is required to have may be different for different business products.

In the embodiment of the specification, the available service products of the user can be automatically screened from the service products provided by the target service mechanism based on the intelligent contract on the chain, so that the method is convenient and quick.

In practical applications, a user may have a plurality of available service products, and in order to determine the service product to be finally ordered, product information of each available service product needs to be displayed to the user. Based on this, after determining the target business entity from the business entities, the method may further include:

and granting the user reference authority aiming at the available service products provided by the target service organization.

Acquiring a fourth blockchain transaction generated by the user based on the reference authority; the fourth blockchain transaction may be used to request acquisition of product information for the available business product.

And responding to the fourth blockchain transaction, and sending product information of at least part of the available service products to the terminal equipment of the user.

In this embodiment of the present specification, the product information of the available service product may include: the product identification information, the service index information, the service order fulfillment mode, the organization identification information of the service organization and the like of the available service products. The sending of the product information of the available service products and the granting of the consulting authority can be realized based on an intelligent contract in a block chain system. In a loan scene, the service index information may include loan interest rate information, repayment mode information, repayment deadline information, and the like, so that the certainty and transparency of users ordering loan products are enhanced.

Specifically, a uniform resource locator used for looking up product information of the available service product may be sent to a terminal device of a user, so that the user may request, based on the uniform resource locator, to send the fourth blockchain transaction to a blockchain system to request to acquire product information of the available service product, thereby granting the user a right to look up the available service product provided by the target service organization, which is convenient and fast. In practical application, if the user does not have an available service product, the uniform resource locator may not be sent to the user, but information prompting that the user does not have an available service product is sent to the user, so as to improve user experience.

In this embodiment, the fourth blockchain transaction may be issued by the terminal device of the user using an own blockchain node or a common blockchain node. The blockchain system may send product information of all or a portion of the available service products to the user's terminal device in response to the fourth blockchain transaction, thereby facilitating the user to order the available service products displayed on his terminal device.

In the embodiment of the present specification, the consulting authority of the available service product is managed, so that the user can only order the available service product, thereby being beneficial to preventing a lawbreaker from maliciously initiating a block chain transaction for ordering the service product and influencing the normal operation of the service based on the block chain, and being beneficial to simplifying the operation of the user when the user orders the service product by displaying the product information of the screened service product to the user.

In this embodiment of the present specification, the determining, from the service products provided by the target service organization, an available service product that the user meets a preset condition may specifically include:

if the fourth blockchain transaction meets the calling condition aiming at a second intelligent contract, executing a contract code of the second intelligent contract to obtain an available service product of which the user meets a preset condition; and when executed, the contract code of the second intelligent contract may be configured to determine, from the service products provided by the target service organization, an available service product for which the user meets a preset condition, according to the service application information of the user, the service risk identification result, and the information related to the service product on the link.

In the example of this specification, the contract code of the second intelligent contract may also be written by a designated organization, and is deployed to the blockchain system after being audited by each business organization, so as to guarantee the rights and interests of each business organization.

In practical applications, a service organization usually needs to manage the total amount of service products that can be provided by the service organization when performing service management. Based on this, the information related to the on-chain service product may include: and the preset service limit, the used service limit and the service product information of each target service mechanism.

Correspondingly, before determining the available service product that the user meets the preset condition from the service products provided by the target service organization, the method may further include:

aiming at any one target service mechanism, acquiring a fifth blockchain transaction of the any one target service mechanism; the fifth blockchain transaction may be used to store a predetermined service credit of any of the target service entities in the blockchain system.

Acquiring a sixth blockchain transaction of any one of the target business mechanisms; the sixth blockchain transaction may be used to store the business product information of any one of the target business entities to the blockchain system.

Calculating the sum of the service quota corresponding to the target order generated by the block chain system to obtain the used service quota of any one target service mechanism; the target order is an order for the business product provided by any one of the target business mechanisms. In the embodiment of the present specification, the preset service amount may refer to a total amount of service products that the organization can provide, such as a preset sum of money put, a preset total of credit sale, and the like. The preset used service amount may refer to a total amount of service products already provided, such as a sum of paid money, a sum of credit sales, and the like.

In this embodiment of the present disclosure, the fifth blockchain transaction and the sixth blockchain transaction generally need to be initiated by a user with a specific authority, for example, by the service organization itself, or may be initiated by a specific organization entrusted by the service organization, so as to prevent lawless persons from influencing normal operation of the service by randomly tampering the preset service quota and the service product information in the blockchain system.

In practical application, the preset service amount and the service product information stored in the blockchain system may be encrypted information, so that only a user with a reference authority can refer to the preset service amount and the service product information, thereby ensuring data privacy of a service organization.

In the embodiment of the present specification, since each business organization has a limited amount of credit for loan or credit sale planned through the blockchain system, in order to guarantee the normal operation of the loan business, the blockchain system also needs to inquire or calculate the used business amount of the business organization providing the business product. The difference between the preset business limit and the used business limit is the current available business total limit of the business mechanism, if the amount of money which the user needs to loan at present is larger than the current maximum available business total limit of the business mechanism, the fact that the business mechanism cannot meet the loan requirement of the user can be indicated, therefore, the loan risk can be determined to exist, namely, the scheme can also identify the overproof risk of the used business limit at the business mechanism.

Optionally, the product information of the available service product may include: and providing organization identification information of the service organization of the available service product, product identification information of the available service product and service index information of the available service product.

The mechanism identification information may be a name, an abbreviation, of the service mechanism, or may be distributed Digital IDentity (DID) information that is registered by the service mechanism in advance at the blockchain system.

The product identification information may be a name and a number of the service product, or may be a digital signature signed by using a key corresponding to the distributed digital identity information of the service organization.

In a loan scene, the service index information may refer to loan interest rate information; in a credit sale scenario, the business index information may include interest rate information for credit sale accounts receivable.

In embodiments of the present specification, an order that may be used for the target business product may be generated based on an on-chain intelligent contract. Specifically, step 210: generating the user's order for the targeted loan transaction product based on the second blockchain transaction may include:

and if the second blockchain transaction meets the calling condition aiming at a third intelligent contract, executing a contract code of the third intelligent contract to generate order information of the user for the order of the target business product.

Generating a seventh blockchain transaction according to the order information of the order; the seventh blockchain transaction may be configured to instruct a business entity that provides the target business product, and provide the target business product to the user according to the order information of the order.

In this embodiment of the present specification, the product information of the target business product displayed at the user may include: and providing the organization identification information of the business organization of the target business product, the product identification information of the target business product and the business index information of the target business product, so that when a user initiates a second blockchain transaction for the target business product, the order information of the order generated based on the second blockchain transaction can include the business index information. That is, since the user already knows the service index information of the target service product before ordering the target service product, the user can order the service product based on the determined service index. In the loan transaction, the order information of the order may further include identity information of the user, loan amount, loan term, repayment method, mortgage or pledge information, and the like. In the credit sale service, the order information of the order may further include information such as name, specification, quantity, etc. of the service product or service. The providing of the target business product may refer to loan issuance, goods delivery, service provision, and the like. Since the seventh blockchain transaction may carry order information of the order, after obtaining the seventh blockchain transaction, a blockchain node of a business organization may directly provide the target business product to the user according to the order information of the order. In addition, the order information of the order is also stored in the block chain system, so that the order information can be used as the on-chain credit data of the user subsequently, and the data utilization rate is improved.

In this specification embodiment, the fulfillment information of the user for the order may also be used as the on-chain credit data of the user. Based on this, after generating the seventh blockchain transaction according to the order information of the order, the method may further include:

obtaining an eighth blockchain transaction that may be used to store fulfillment information for the order by the user.

And storing the fulfillment information of the user for the order to the blockchain system.

In this embodiment of the present specification, in a loan scenario, the fulfillment information of the order may be repayment information of the loan, for example, information such as a repayment amount, a repayment date, and whether there is a default. In the credit sale scenario, the fulfillment information of the order may be repayment information of the credit receivable, such as repayment amount, repayment date, whether there is a default, and the like.

In this embodiment of the present disclosure, the eighth blockchain transaction may be generated by the terminal device of the user and/or the terminal device of the service organization, and stored in the blockchain system after being broadcasted and identified, so as to serve as the on-chain credit data of the user, thereby facilitating to improve the richness of the off-chain credit data.

FIG. 3 is a swimlane flow diagram corresponding to the blockchain-based order generation method in FIG. 2 according to an embodiment of the present disclosure. As shown in fig. 3, the order generation process based on the blockchain may involve execution entities such as a terminal device of a user, a terminal device of a business organization, and a blockchain system. In practical application, the first block chain node and the second block chain node may be the same node or different nodes, and the number of the first block chain node and the second block chain node may be 1 or more, which is not specifically limited.

As shown in fig. 3, the process may include the following steps:

the user can generate a first block chain transaction carrying the service application information of the user through distributed application at the terminal equipment of the user; the service application information may include identity information, pledge information and expected service quota of the user; the identity information of the user may include a distributed digital identity stored in the distributed application that the user registered with the blockchain system.

After a first blockchain link point in the blockchain system acquires the first blockchain transaction, if the first blockchain transaction meets the calling condition for the first intelligent contract, executing a contract code of the first intelligent contract, and acquiring on-chain credit data of the user, which is stored in the blockchain system, according to the distributed digital identity of the user; generating a valuation result aiming at the pledge information according to the on-chain credit data of the user; and finally, performing risk identification according to the evaluation result and the on-chain credit data to obtain a service risk identification result. Wherein, the service risk identification result may include the available service quota of the user at each service organization.

The first block chain node and/or the second block chain node can determine a target service mechanism from each service mechanism according to the available service limit and the expected service limit of the user at each service mechanism, and grant the user reference authority for available service products provided by the target service mechanism. Wherein the available service amount of the user at the target service mechanism is larger than a preset threshold value. The user's terminal device may also generate a fourth blockchain transaction based on the review permission, where the fourth blockchain transaction may be used to request acquisition of product information for at least a portion of the available service products.

And after the second blockchain link point in the blockchain system acquires the fourth blockchain transaction, executing a contract code of the second intelligent contract, and determining available service products of the user meeting preset conditions from service products provided by the target service mechanism according to the service application information of the user, the service risk identification result and the related information of the service products on the chain. In turn, the second blockchain link point may send product information of at least some of the available service products to the user's terminal device in response to the fourth blockchain transaction.

The user can select a target service product according to the product information of the available service products, and generate a second blockchain transaction through distributed application, wherein the second blockchain transaction can be used for indicating the ordering of the target service product in the available service products. After a second blockchain link point acquires a second blockchain transaction of the user, if the second blockchain transaction meets a calling condition for a third intelligent contract, executing a contract code of the third intelligent contract to generate order information of the user for the order of the target service product; generating a seventh blockchain transaction according to the order information of the order; the seventh blockchain transaction may be configured to instruct a business entity that provides the target business product, and provide the target business product to the user according to the order information of the order.

Subsequently, according to the fulfillment condition of the order by the user, fulfillment information of the order by the user can be generated. The terminal device of the user or the terminal device of the service organization may generate an eighth blockchain transaction carrying the fulfillment information. So that the blockchain system can store fulfillment information for the order by the user after acquiring the eighth blockchain transaction.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the above method. Fig. 4 is a schematic structural diagram of an order generating apparatus based on a block chain according to an embodiment of the present disclosure and corresponding to fig. 2. As shown in fig. 4, the apparatus may include:

a first transaction acquisition module 402, which may be used for the blockchain system to acquire a first blockchain transaction of the user; the first blockchain transaction carries the service application information of the user. The risk identification module 404 may be configured to invoke a first intelligent contract deployed in the block chain system, perform risk identification according to the service application information of the user and the on-chain credit data of the user, and obtain a service risk identification result.

The available product determination module 406 may be configured to determine, according to the service risk identification result, an available service product that the user meets a preset condition.

A second transaction acquisition module 408, which may be configured to acquire a second blockchain transaction of the user; the second blockchain transaction may be used to indicate an order to a target business product of the available business products.

The order generation module 410 generates an order for the target business product for the user as a result of the second blockchain transaction.

The examples of this specification also provide some specific embodiments of the apparatus based on the apparatus of fig. 4, which is described below.

Optionally, the service application information may include identity information of the user.

The risk identification module 404 may include:

the first risk identification unit may be configured to execute a contract code of the first intelligent contract to generate a business risk identification result if the first blockchain transaction satisfies a call condition for the first intelligent contract; when executed, the contract code of the first intelligent contract may be configured to obtain the user's on-chain credit data stored in the blockchain system according to the user's identity information, and perform risk identification according to the user's on-chain credit data to obtain a service risk identification result.

Optionally, the service application information may further include pledge information;

correspondingly, the risk identification module 404 may further include:

the second risk identification unit may be configured to execute the contract code of the first intelligent contract to generate a business risk identification result if the first blockchain transaction satisfies a call condition for the first intelligent contract; the contract code of the first intelligent contract may be specifically configured to, when executed, obtain the on-chain credit data of the user stored in the block chain system according to the identity information of the user, generate an evaluation result for the pledge information according to the on-chain credit data of the user, and perform risk identification according to the evaluation result and the on-chain credit data to obtain a service risk identification result.

Optionally, the first transaction obtaining module 402 may be specifically configured to:

acquiring a first blockchain transaction generated by a user through distributed application; the identity information of the user carried by the first blockchain transaction may include: a distributed digital identity stored in the distributed application that the user registered at the blockchain system.

Optionally, the apparatus may further include:

a third transaction obtaining module, configured to obtain a third blockchain transaction that may be used to deploy the first intelligent contract, where the third blockchain transaction carries contract codes of the first intelligent contract that are approved in advance by each service organization, and the service organization may be configured to provide a service product at the blockchain system.

A first storage module may be configured to store contract code for the first intelligent contract to the blockchain system.

Optionally, the service application information may include an expected service limit; the business risk identification result can comprise available business quota of the user at each business mechanism, and the business mechanism can be used for providing business products at the blockchain system;

correspondingly, the available product determination module 406 may include:

a service mechanism determining unit, configured to determine a target service mechanism from the service mechanisms according to the available service amount and the expected service amount of the user at each service mechanism; the available service amount of the user at the target service mechanism is larger than a preset threshold value.

The service product determining unit may be configured to determine, from the service products provided by the target service organization, available service products that the user meets a preset condition.

Optionally, the apparatus may further include:

and the permission granting module can be used for granting the user the reference permission of the available service products provided by the target service organization.

A fourth transaction obtaining module, configured to obtain a fourth blockchain transaction generated by the user based on the reference permission; the fourth blockchain transaction may be used to request acquisition of product information for the available business product.

A sending module, configured to send at least part of the product information of the available service product to the terminal device of the user in response to the fourth blockchain transaction.

Optionally, the service product determining unit may be specifically configured to:

if the fourth blockchain transaction meets the calling condition aiming at a second intelligent contract, executing a contract code of the second intelligent contract to obtain an available service product of which the user meets a preset condition; and when executed, the contract code of the second intelligent contract may be configured to determine, from the service products provided by the target service organization, an available service product for which the user meets a preset condition, according to the service application information of the user, the service risk identification result, and the information related to the service product on the link. .

Optionally, the information related to the service product on the chain may include: presetting service limit, used service limit and service product information of each target service mechanism;

correspondingly, the apparatus may further include:

a fifth transaction obtaining module, configured to obtain, for any one of the target service organizations, a fifth blockchain transaction of the any one of the target service organizations; the fifth blockchain transaction may be used to store a predetermined service credit of any of the target service entities in the blockchain system.

A sixth transaction obtaining module, configured to obtain a sixth blockchain transaction of any one of the target business organizations; the sixth blockchain transaction may be used to store the business product information of any one of the target business entities to the blockchain system.

The business amount calculating module can be used for calculating the sum of business amounts corresponding to the target orders generated by the block chain system to obtain the used business amount of any one target business mechanism; the target order is an order for the business product provided by any one of the target business mechanisms.

Optionally, the product information of the available service product may include: and providing the organization identification information of the service organization of the available service product, the product identification information of the available service product and the service index information of the available service product.

Optionally, the order generating module 410 may include:

the order information generating unit may be configured to execute a contract code of a third intelligent contract to generate order information of the user's order for the target business product if the second blockchain transaction satisfies a call condition for the third intelligent contract.

The transaction generating unit may be configured to generate a seventh blockchain transaction according to the order information of the order; the seventh blockchain transaction may be configured to instruct a business entity that provides the target business product, and provide the target business product to the user according to the order information of the order.

Optionally, the apparatus may further include:

an eighth transaction acquisition module may be configured to acquire an eighth blockchain transaction that may be used to store fulfillment information for the order by the user.

A second storage module, configured to store fulfillment information for the order by the user to the blockchain system.

Based on the same idea, the embodiment of the present specification further provides a device corresponding to the method.

Fig. 5 is a schematic structural diagram of an order generating apparatus based on a block chain according to an embodiment of the present disclosure and corresponding to fig. 2. As shown in fig. 5, the apparatus 500 may include:

at least one processor 510; and (c) a second step of,

a memory 530 communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory 530 stores instructions 520 executable by the at least one processor 510 to enable the at least one processor 510 to:

the blockchain system acquires a first blockchain transaction of a user; the first blockchain transaction carries service application information of the user.

And calling a first intelligent contract deployed in the block chain system, and performing risk identification according to the service application information of the user and the on-chain credit data of the user to obtain a service risk identification result.

And determining the available service products of which the users meet preset conditions according to the service risk identification result.

Obtaining a second blockchain transaction for the user; the second blockchain transaction may be used to indicate an order to a target business product of the available business products.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus shown in fig. 5, since it is substantially similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to part of the description of the method embodiment.

In the 90 s of the 20 th century, improvements in a technology could clearly distinguish between improvements in hardware (e.g., improvements in circuit structures such as diodes, transistors, switches, etc.) and improvements in software (improvements in process flow). However, as technology advances, many of today's process flow improvements have been seen as direct improvements in hardware circuit architecture. Designers almost always obtain a corresponding hardware circuit structure by programming an improved method flow into the hardware circuit. Thus, it cannot be said that an improvement in the process flow cannot be realized by hardware physical modules. For example, a Programmable Logic Device (PLD), such as a Field Programmable Gate Array (FPGA), is an integrated circuit whose Logic functions are determined by programming the Device by a user. A digital character system is "integrated" on a PLD by the designer's own programming without requiring the chip manufacturer to design and fabricate a dedicated integrated circuit chip. Furthermore, nowadays, instead of manually making an Integrated Circuit chip, such Programming is often implemented by "logic compiler" software, which is similar to a software compiler used in program development and writing, but the original code before compiling is also written by a specific Programming Language, which is called Hardware Description Language (HDL), and HDL is not only one but many, such as abel (advanced Boolean Expression Language), ahdl (alternate Hardware Description Language), traffic, pl (core universal Programming Language), HDCal (jhdware Description Language), lang, Lola, HDL, laspam, hardward Description Language (vhr Description Language), vhal (Hardware Description Language), and vhigh-Language, which are currently used in most common. It will also be apparent to those skilled in the art that hardware circuitry for implementing the logical method flows can be readily obtained by a mere need to program the method flows with some of the hardware description languages described above and into an integrated circuit.

The controller may be implemented in any suitable manner, for example, the controller may take the form of, for example, a microprocessor or processor and a computer-readable medium storing computer-readable program code (e.g., software or firmware) executable by the (micro) processor, logic gates, switches, an Application Specific Integrated Circuit (ASIC), a programmable logic controller, and an embedded microcontroller, examples of which include, but are not limited to, the following microcontrollers: ARC 625D, Atmel AT91SAM, Microchip PIC18F26K20, and Silicone Labs C8051F320, the memory controller may also be implemented as part of the control logic for the memory. Those skilled in the art will also appreciate that, in addition to implementing the controller as pure computer readable program code, the same functionality can be implemented by logically programming method steps such that the controller is in the form of logic gates, switches, application specific integrated circuits, programmable logic controllers, embedded microcontrollers and the like. Such a controller may thus be considered a hardware component, and the means included therein for performing the various functions may also be considered as a structure within the hardware component. Or even means for performing the functions may be regarded as being both a software module for performing the method and a structure within a hardware component.

The systems, apparatuses, modules or units described in the above embodiments may be specifically implemented by a computer chip or an entity, or implemented by a product with certain functions. One typical implementation device is a computer. In particular, the computer may be, for example, a personal computer, a laptop computer, a cellular telephone, a camera phone, a smartphone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or a combination of any of these devices.

For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functionality of the units may be implemented in one or more software and/or hardware when implementing the present application.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.

The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, may implement the information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Disks (DVD) or other optical storage, magnetic cassettes, magnetic tape, magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.

It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.

As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The application may be described in the general context of computer-executable instructions, such as program modules, being executed by a computer. Generally, program modules include routines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types. The application may also be practiced in distributed computing environments where tasks are performed by remote processing devices that are linked through a communications network. In a distributed computing environment, program modules may be located in both local and remote computer storage media including memory storage devices.

The above description is only an example of the present application and is not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.

Claims

1. A block chain-based order generation method comprises the following steps:

2. The method of claim 1, wherein the service application information comprises identity information of the user;

the calling of the first intelligent contract deployed in the block chain system and risk identification according to the service application information of the user and the on-chain credit data of the user to obtain a service risk identification result specifically include:

if the first blockchain transaction meets the calling condition aiming at the first intelligent contract, executing a contract code of the first intelligent contract to generate a business risk identification result; and when executed, the contract code of the first intelligent contract is used for acquiring the user's on-chain credit data stored in the block chain system according to the user's identity information, and performing risk identification according to the user's on-chain credit data to obtain a service risk identification result.

3. The method of claim 2, the service application information further comprising pledge information;

the calling of the first intelligent contract deployed in the block chain system and risk identification according to the service application information of the user and the credit data on the user chain to obtain a service risk identification result specifically include:

executing contract codes of the first intelligent contract to generate a business risk identification result if the first blockchain transaction meets the calling condition aiming at the first intelligent contract; the contract code of the first intelligent contract is specifically used for acquiring the on-chain credit data of the user stored in the block chain system according to the identity information of the user, generating a valuation result aiming at the pledge information according to the on-chain credit data of the user, and performing risk identification according to the valuation result and the on-chain credit data to obtain a service risk identification result.

4. The method of claim 2 or 3, wherein the blockchain system obtains a first blockchain transaction of the user, comprising:

5. A method as defined in claim 2 or 3, prior to executing contract code of the first intelligent contract, further comprising:

acquiring a third block chain transaction for deploying the first intelligent contract, wherein the third block chain transaction carries contract codes of the first intelligent contract which is audited and passed in advance by each service organization, and the service organization is used for providing service products at the block chain system;

6. The method of claim 1, wherein the service application information includes expected service credits; the business risk identification result comprises available business limits of the user at each business mechanism, and the business mechanism is used for providing business products at the blockchain system;

the determining, according to the service risk identification result, an available service product for which the user meets a preset condition specifically includes:

determining a target service mechanism from each service mechanism according to the available service limit and the expected service limit of the user at each service mechanism; the available service amount of the user at the target service mechanism is larger than a preset threshold value;

7. The method of claim 6, after determining a target business entity from the various business entities, further comprising:

granting the user reference authority for the available service products provided by the target service organization;

acquiring a fourth blockchain transaction generated by the user based on the reference authority; the fourth blockchain transaction is used for requesting to acquire product information of the available service product;

8. The method according to claim 7, wherein the determining available service products that the user meets preset conditions from the service products provided by the target service organization specifically comprises:

if the fourth blockchain transaction meets the calling condition aiming at the second intelligent contract, executing a contract code of the second intelligent contract to obtain an available service product of which the user meets the preset condition; and when being executed, the contract code of the second intelligent contract is used for determining the available service products of the user meeting the preset conditions from the service products provided by the target service mechanism according to the service application information of the user, the service risk identification result and the related information of the service products on the chain.

9. The method of claim 8, the on-chain business product related information comprising: presetting service limit, used service limit and service product information of each target service mechanism;

before determining the available service products that the user meets the preset conditions from the service products provided by the target service organization, the method further includes:

aiming at any one target service mechanism, acquiring a fifth blockchain transaction of the any one target service mechanism; the fifth blockchain transaction is used for storing a preset service credit of any one target service mechanism to the blockchain system;

acquiring a sixth blockchain transaction of any one of the target business mechanisms; the sixth blockchain transaction is used for storing the service product information of any one target service mechanism to the blockchain system;

calculating the sum of the service quota corresponding to the target order generated by the block chain system to obtain the used service quota of any one target service mechanism; the target order is an order of the business product provided by any one of the target business organizations.

10. The method according to any of claims 7-9, wherein the product information of the available service products comprises: and providing organization identification information of the service organization of the available service product, product identification information of the available service product and service index information of the available service product.

11. The method of claim 1, wherein generating the user's order for the target business product based on the second blockchain transaction comprises:

executing a contract code of a third intelligent contract to generate order information of the user for the order of the target business product if the second blockchain transaction meets a calling condition for the third intelligent contract;

generating a seventh blockchain transaction according to the order information of the order; and the seventh blockchain transaction is used for indicating a service organization providing the target service product and providing the target service product to the user according to the order information of the order.

12. The method of claim 11, after generating a seventh blockchain transaction based on the order information for the order, further comprising:

obtaining an eighth blockchain transaction for storing fulfillment information of the user for the order;

13. A blockchain-based order generation apparatus, comprising:

the second transaction acquisition module is used for acquiring a second blockchain transaction of the user; the second blockchain transaction is used for indicating the ordering of a target business product in the available business products;

14. The apparatus of claim 13, the service application information comprising identity information of the user;

the risk identification module comprises:

the first risk identification unit is used for executing contract codes of the first intelligent contract and generating a business risk identification result if the first blockchain transaction meets the calling condition aiming at the first intelligent contract; and when executed, the contract code of the first intelligent contract is used for acquiring the on-chain credit data of the user, which is stored in the block chain system, according to the identity information of the user, and performing risk identification according to the on-chain credit data of the user to obtain a service risk identification result.

15. The apparatus of claim 14, the service application information further comprising pledge information;

the risk identification module further comprises:

the second risk identification unit is used for executing contract codes of the first intelligent contract and generating a business risk identification result if the first blockchain transaction meets the calling condition aiming at the first intelligent contract; when executed, the contract code of the first intelligent contract is specifically used for acquiring the on-chain credit data of the user, stored in the block chain system, according to the identity information of the user, generating an evaluation result aiming at the pledge information according to the on-chain credit data of the user, and performing risk identification according to the evaluation result and the on-chain credit data to obtain a service risk identification result.

16. The apparatus according to claim 14 or 15, wherein the first transaction acquisition module is specifically configured to:

acquiring a first blockchain transaction generated by a user through distributed application; the identity information of the user carried by the first blockchain transaction includes: a distributed digital identity stored in the distributed application that the user registered at the blockchain system.

17. The apparatus of claim 14 or 15, further comprising:

a third transaction obtaining module, configured to obtain a third block chain transaction for deploying the first intelligent contract, where the third block chain transaction carries contract codes of the first intelligent contract that are pre-audited and passed through by each service organization, and the service organization is configured to provide a service product at the block chain system;

a first storage module to store contract codes of the first intelligent contract to the blockchain system.

18. The apparatus of claim 13, wherein the service application information includes expected service credits; the business risk identification result comprises available business limits of the user at each business mechanism, and the business mechanism is used for providing business products at the blockchain system; the available products determination module comprising:

a service mechanism determining unit, configured to determine a target service mechanism from each service mechanism according to the available service limit and the expected service limit of the user at each service mechanism; the available service amount of the user at the target service mechanism is larger than a preset threshold value;

and the service product determining unit is used for determining the available service products of which the users meet the preset conditions from the service products provided by the target service mechanism.

19. The apparatus of claim 18, further comprising:

the authority granting module is used for granting the user the consulting authority of the available service products provided by the target service mechanism;

a fourth transaction acquisition module, configured to acquire a fourth blockchain transaction generated by the user based on the reference permission; the fourth blockchain transaction is used for requesting to acquire product information of the available service product;

a sending module, configured to send, in response to the fourth blockchain transaction, product information of at least part of the available service products to a terminal device of the user.

20. The apparatus of claim 19, wherein the service product determining unit is specifically configured to:

21. The apparatus of claim 20, the on-chain business product related information comprising: presetting service limit, used service limit and service product information of each target service mechanism; the device further comprises:

a fifth transaction obtaining module, configured to obtain, for any one of the target service organizations, a fifth blockchain transaction of the any one of the target service organizations; the fifth blockchain transaction is used for storing a preset service credit of any one target service mechanism to the blockchain system;

a sixth transaction obtaining module, configured to obtain a sixth blockchain transaction of any one of the target business organizations; the sixth blockchain transaction is used for storing the service product information of any one target service mechanism to the blockchain system;

the service limit calculation module is used for calculating the sum of service limits corresponding to the target orders generated by the block chain system to obtain the used service limit of any one target service mechanism; the target order is an order for the business product provided by any one of the target business mechanisms.

22. The apparatus of any of claims 19-21, the product information of the available service products comprising: and providing organization identification information of the service organization of the available service product, product identification information of the available service product and service index information of the available service product.

23. The apparatus of claim 13, the order generation module comprising:

the order information generating unit is used for executing contract codes of a third intelligent contract and generating order information of the user for the order of the target business product if the second blockchain transaction meets the calling condition for the third intelligent contract;

the transaction generating unit is used for generating a seventh block chain transaction according to the order information of the order; and the seventh blockchain transaction is used for indicating a service organization providing the target service product and providing the target service product to the user according to the order information of the order.

24. The apparatus of claim 23, further comprising:

an eighth transaction obtaining module, configured to obtain an eighth blockchain transaction used for storing fulfillment information of the order by the user;

a second storage module, configured to store fulfillment information of the order by the user to the blockchain system.

25. A blockchain-based order generating device, comprising:

at least one processor; and the number of the first and second groups,

a memory communicatively coupled to the at least one processor; wherein the content of the first and second substances,

the memory stores instructions executable by the at least one processor to enable the at least one processor to: