CN116821243A

CN116821243A - Credit evaluation method based on blockchain and related equipment

Info

Publication number: CN116821243A
Application number: CN202310802125.5A
Authority: CN
Inventors: 庞洋; 王志伟
Original assignee: Ant Blockchain Technology Shanghai Co Ltd
Current assignee: Ant Blockchain Technology Shanghai Co Ltd
Priority date: 2023-06-30
Filing date: 2023-06-30
Publication date: 2023-09-29

Abstract

The present disclosure provides a blockchain-based credit assessment method and related devices, where a plurality of distributed applications are deployed on a blockchain, and at least some of the plurality of distributed applications publish credit features on the blockchain. The method comprises the following steps: acquiring credit characteristics of a target user corresponding to a first distributed application in a plurality of distributed applications; the credit feature comprises the credit feature which is calculated and issued on the blockchain by a second distributed application in at least part of applications based on the user data of the target user in the second distributed application; the user data is generated in the second distributed application after the target user logs in the second distributed application by adopting the target distributed digital identity registered in the blockchain; the credit characteristics are converted into credit characteristics conforming to a credit assessment policy of the first distributed application, and a credit rating of the target user in the first distributed application is assessed based on the converted credit characteristics.

Description

Credit evaluation method based on blockchain and related equipment

Technical Field

One or more embodiments of the present disclosure relate to the field of blockchain technology, and in particular, to a blockchain-based credit assessment method and related devices.

Background

In a web3.0 distributed identity system built based on blockchains, each user can log into a plurality of distributed applications deployed on the blockchain based on their distributed digital identities (Decentralized Identity, DID) registered on the blockchain and use services provided in the respective distributed applications.

With the increasing number of distributed applications deployed on a blockchain and the diversification of services provided by the distributed applications, if the operation behavior of a user in the distributed applications is not constrained, the balance of the blockchain and the fairness, security, etc. of the distributed applications are easily damaged. Often, the user's operation in a distributed application may be constrained based on the user's credit rating. Therefore, how to efficiently and accurately evaluate the credit rating of users in distributed applications is a highly desirable problem.

Disclosure of Invention

In view of this, one or more embodiments of the present disclosure provide a blockchain-based credit assessment method and related devices.

In a first aspect, the present specification provides a blockchain-based credit assessment method, the blockchain having a plurality of distributed applications deployed thereon; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

acquiring credit characteristics of a target user corresponding to a first distributed application in the plurality of distributed applications; wherein the credit features include credit features published at the blockchain by a second distributed application of the at least partial applications; the credit feature is calculated by the second distributed application based on user data generated by the target user in the second distributed application; the user data is user data related to user credit generated in the second distributed application after the target user logs in the second distributed application by adopting a target distributed digital identity DID registered on the blockchain;

converting the credit characteristics into credit characteristics conforming to a credit evaluation strategy of the first distributed application, and evaluating the credit level of the target user in the first distributed application based on the converted credit characteristics.

In a second aspect, the present disclosure provides a login management method for a distributed application, where a plurality of distributed applications are deployed on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

evaluating a credit rating of the target user in the first distributed application based on the credit characteristics;

responsive to the target user logging in to the first distributed application based on the target DID authorization, determining whether the target user has access rights to a plurality of services contained in the first distributed application based on the assessed credit rating of the target user;

And providing at least part of the services with the access rights of the target user in the plurality of services to the target user.

In a third aspect, the present disclosure provides a service management method for a distributed application, where a plurality of distributed applications are deployed on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

Responding to an access request of the target user for a target service provided by the first distributed application, and determining a service level of the target service for providing services for the target user based on the evaluated credit level;

and determining service content corresponding to the service provided by the target service for the target user based on the service grade, and providing the service content for the target user.

In a fourth aspect, the present specification provides a blockchain-based credit assessment device having a plurality of distributed applications deployed thereon; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

an obtaining unit, configured to obtain a credit feature of a target user corresponding to a first distributed application in the plurality of distributed applications; wherein the credit features include credit features published at the blockchain by a second distributed application of the at least partial applications; the credit feature is calculated by the second distributed application based on user data generated by the target user in the second distributed application; the user data is user data related to user credit generated in the second distributed application after the target user logs in the second distributed application by adopting a target distributed digital identity DID registered on the blockchain;

And the credit evaluation unit is used for converting the credit characteristics into credit characteristics conforming to the credit evaluation strategy of the first distributed application and evaluating the credit grade of the target user in the first distributed application based on the converted credit characteristics.

In a fifth aspect, the present specification provides a login management apparatus for a distributed application, where a plurality of distributed applications are deployed on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

A credit assessment unit for assessing a credit rating of the target user in the first distributed application based on the credit characteristics;

a login management unit configured to determine, in response to the target user logging in the first distributed application based on the target DID authorization, whether the target user has access rights to a plurality of services included in the first distributed application based on the assessed credit level of the target user; and providing at least part of the services with the access rights of the target user in the plurality of services to the target user.

In a sixth aspect, the present specification provides a service management apparatus for a distributed application, where a plurality of distributed applications are deployed on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

a service management unit, configured to determine, based on the assessed credit level, a service level at which the target service provides a service for the target user, in response to an access request of the target user for the target service provided by the first distributed application; and determining service content corresponding to the service provided by the target service for the target user based on the service grade, and providing the service content for the target user.

Accordingly, the present specification also provides a computer apparatus comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; when the processor runs the computer program, the credit evaluation method described in the first aspect is executed, or the login management method of the distributed application described in the second aspect is executed, or the service management method of the distributed application described in the third aspect is executed.

Accordingly, the present specification also provides a computer-readable storage medium having stored thereon a computer program which, when executed by a processor, performs the credit evaluation method as described in the first aspect above, or performs the login management method of the distributed application as described in the second aspect above, or performs the service management method of the distributed application as described in the third aspect above.

In summary, the multiple distributed applications deployed on the blockchain of the present application may calculate the credit features of the user based on the respective user data, and the multiple distributed applications may issue the calculated credit features to the blockchain. Further, any one of the distributed applications deployed on the blockchain can acquire credit features of other distributed applications published on the blockchain, and can convert the credit features of other distributed applications published into credit features conforming to the credit evaluation policy of the application by considering the difference between services provided by different distributed applications. Finally, the distributed application may evaluate the user's credit rating in the distributed application based on the converted credit characteristics. Therefore, the application can obtain a large number of credit characteristics issued by the distributed applications based on the information sharing capability of the blockchain, and efficiently and accurately calculate the credit level of the user in each distributed application by combining the credit evaluation strategy of each distributed application, thereby realizing the construction of a distributed identity credit system based on the distributed application, so that the operation behavior of the user in each distributed application is restrained after the user logs in each distributed application based on the distributed identity, and the fairness and the safety of the distributed application are effectively ensured.

Drawings

FIG. 1 is a schematic diagram of a system architecture provided by an exemplary embodiment;

FIG. 2 is a flow chart of a blockchain-based credit assessment method provided by an exemplary embodiment;

FIG. 3 is a flow chart of a method of service management for a distributed application provided in an exemplary embodiment;

FIG. 4 is a block chain based credit assessment device architecture diagram according to an exemplary embodiment;

fig. 5 is a schematic diagram of a computer device according to an exemplary embodiment.

Detailed Description

Reference will now be made in detail to exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numbers in different drawings refer to the same or similar elements, unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with aspects of one or more embodiments of the present description as detailed in the accompanying claims.

It should be noted that: in other embodiments, the steps of the corresponding method are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or fewer steps than described in this specification. Furthermore, individual steps described in this specification, in other embodiments, may be described as being split into multiple steps; while various steps described in this specification may be combined into a single step in other embodiments.

The term "plurality" as used herein means two or more.

In addition, the user information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data are required to comply with the related laws and regulations and standards of the related country and region, and are provided with corresponding operation entries for the user to select authorization or rejection.

(1) Distributed applications (distributed application, DAPP), otherwise known as decentralized applications, are an application modality that differs from traditional centralized applications. Conventional centralized applications may typically have deployed centralized servers as the service background, while distributed applications may have service contracts deployed on blockchains as the service background. By way of example, a typical distributed application may generally consist of two parts, a service contract as a service backend and a User Interface (UI) at the front end.

(2) A distributed digital identity (Decentralized Identity, DID), referred to as a distributed identity or as a decentralised identity, is a globally unique, persistent stored, non-tamperable personal identity. Distributed identities are fully hosted by the owner (individual or organization) and do not rely on a centralized platform and identity provider. The establishment of a unified identity authentication system running in a decentralization mode based on DID is one of important practices of Web3.0 development.

As described above, a user may log into a plurality of distributed applications deployed on a blockchain based on distributed identities registered (or created) on the blockchain and use services provided in the respective distributed applications. By way of example, a plurality of distributed applications may include a financial application that provides services that may include transfer services, deposit services, and investment financial services, among others. By way of example, the plurality of distributed applications may further include a game application, and the services provided by the game application may include a game service, an instant messaging service in a game, a purchase service of a game skin, and the like, which are not particularly limited in this specification.

However, as the number of distributed applications deployed on a blockchain increases and the services provided by the distributed applications diversify, the balance of the blockchain and fairness, security, etc. of the distributed applications are easily broken if the operational behavior of users in the distributed applications is not constrained. Often, the user's operation in the distributed application may be constrained based on the user's credit rating, e.g., a user with a lower credit rating may be prohibited from being provided with some of the services in the distributed application, etc.

Based on the above, the specification provides a technical scheme, and any distributed application on the blockchain can efficiently and accurately evaluate the credit level of a user based on the credit characteristics of the user shared by other distributed applications and combined with the credit evaluation strategy of the user.

When implemented, the present application may be applied to a first distributed application of a plurality of distributed applications deployed on a blockchain; wherein the blockchain may have stored thereon credit features published by at least some of the plurality of distributed applications. First, a first distributed application may obtain credit features of a target user; the credit feature of the target user may include, by the second distributed application in the at least part of applications, a credit feature calculated and issued based on user data of the target user in the second distributed application. The user data may be user data related to user credit generated in the second distributed application after the target user logs in to the second distributed application by using the target distributed identity registered in the blockchain. Further, the first distributed application may convert the acquired credit feature issued by the second distributed application into a credit feature conforming to a credit evaluation policy of the first distributed application, and evaluate a credit level of the target user in the first distributed application based on the converted credit feature.

In the above technical solution, the plurality of distributed applications deployed on the blockchain of the present application may calculate the credit characteristics of the user based on the respective user data, and the plurality of distributed applications may also issue the calculated credit characteristics to the blockchain. Further, any one of the distributed applications deployed on the blockchain can acquire credit features of other distributed applications published on the blockchain, and can convert the credit features of other distributed applications published into credit features conforming to the credit evaluation policy of the application by considering the difference between services provided by different distributed applications. Finally, the distributed application may evaluate the user's credit rating in the distributed application based on the converted credit characteristics. Therefore, the application can obtain a large number of credit characteristics issued by the distributed applications based on the information sharing capability of the blockchain, and efficiently and accurately calculate the credit level of the user in each distributed application by combining the credit evaluation strategy of each distributed application, thereby realizing the construction of a distributed identity credit system based on the distributed application, so that the operation behavior of the user in each distributed application is restrained after the user logs in each distributed application based on the distributed identity, and the fairness and the safety of the distributed application are effectively ensured.

Referring to fig. 1, fig. 1 is a schematic diagram of a system architecture according to an exemplary embodiment. One or more embodiments provided herein may be embodied in the system architecture shown in fig. 1 or a similar system architecture. As shown in FIG. 1, the system may include a plurality of blockchain nodes in a blockchain network, and may specifically include a blockchain node a, a blockchain node b, a blockchain node c, and the like. Wherein the communication connection can be established between the blockchain node a, the blockchain node b and the blockchain node c in any possible wired or wireless manner.

As shown in FIG. 1, the system architecture also includes computer devices that interface with the plurality of blockchain nodes described above, including, for example, computer device 100a that interfaces with blockchain node a, computer device 100b that interfaces with blockchain node b, computer device 100c that interfaces with blockchain node c, and so on. As shown in fig. 1, the plurality of computer devices may be located outside the chain.

In an illustrated embodiment, a deployer (or operator) of a distributed application may deploy a corresponding distributed application on a blockchain, including deploying a service contract on the blockchain as a service background for the distributed application, where the service contract may be responsible for on-chain core logic of the distributed application, and detailed description of the embodiments will be omitted herein.

The present specification does not particularly limit the specific embodiment for deploying the distributed application.

In an illustrated embodiment, a deployment of a distributed application may deploy a corresponding distributed application on a computer device that interfaces with a block link point. As shown in fig. 1, a distributed application a may be deployed on a computer device 100a that interfaces with a blockchain node a, and accordingly, a client a corresponding to the distributed application a may be installed on the computer device 100a, where the client a is configured to provide a front-end user interface of the distributed application a. As shown in fig. 1, a distributed application b may be deployed on a computer device 100b that interfaces with a blockchain node b, and accordingly, a client b corresponding to the distributed application b may be installed on the computer device 100 b. As shown in fig. 1, a computer device 100c interfacing with a blockchain node c may have a distributed application c deployed thereon, and accordingly, the computer device 100c may have a client c corresponding to the distributed application c installed thereon, and so on.

In an illustrated embodiment, the deployment party of the distributed application may also deploy the corresponding distributed application directly on a blockchain node in the blockchain network, e.g., the distributed application a may be deployed directly on the blockchain node a, the distributed application b may be deployed directly on the blockchain node b, etc., which is not specifically limited in this specification.

The specific type of the distributed application is not particularly limited in this specification.

In some possible embodiments, the distributed application a, the distributed application b, and the distributed application c may be game applications, video applications, financial applications, recruitment applications, instant messaging applications, or the like, which are not limited in this specification.

It should be appreciated that different types of distributed applications may provide different services to users. By way of example, taking the distributed application a as a game application, the distributed application a may provide game services of various game modes, instant messaging services in games, purchase services of game skins, and the like, which are not particularly limited in this specification. By way of example, taking the distributed application a as a financial application, the distributed application b may provide a transfer service, a deposit service, an investment and financial service, a pre-equity service, etc., which is not particularly limited in this specification. By way of example, taking the distributed application c as a recruitment application, the distributed application c may provide an instant messaging service, a resume delivery service, and the like, which is not particularly limited in this specification.

In some possible implementations, a user may log into the above-described distributed application a, distributed application b, and distributed application c based on the distributed identities registered on the blockchain, and use the services provided by each distributed application.

Further, each distributed application may evaluate the credit rating of the user to limit the services provided to the user based on the credit rating obtained by the evaluation, i.e. to restrict the operation behavior of the user in the distributed application, thereby guaranteeing fairness and security with the distributed application.

In an embodiment, each of the distributed applications may calculate a credit characteristic of the user based on user data generated in the distributed application after the user logs into the distributed application using the corresponding distributed identity, and further evaluate a credit rating of the user in each of the distributed applications based on the calculated credit characteristic.

For example, taking the distributed application a in the plurality of distributed applications as an example, the distributed application a may obtain user data related to user credit generated in the distributed application a after the target user logs in the distributed application a by using the distributed identity, calculate the credit feature a of the target user, and evaluate the credit level of the target user in the distributed application a based on the calculated credit feature.

Taking the above-mentioned distributed application b of the plurality of distributed applications as an example, the distributed application b may obtain user data related to user credit generated in the distributed application b after the target user logs in the distributed application b using the distributed identity, calculate to obtain the credit characteristic b of the target user, and evaluate the credit level of the target user in the distributed application b based on the calculated credit characteristic.

It will be appreciated that, because the service characteristics of different distributed applications are different, the requirements of the different distributed applications on the credit of the user will also be different, which in turn results in different credit levels of the same user in the different distributed applications. In the example, the distributed application a is taken as a financial application, and the distributed application b is taken as a game application, and in general, the financial application has higher credit requirements on users, so that the credit level of the target user in the distributed application a may be lower than that in the distributed application b, which is not particularly limited in the specification.

In one illustrated embodiment, the distributed application may evaluate the user's credit rating using credit features shared by other distributed applications in addition to the user's credit rating using their own calculated credit features.

In an illustrated embodiment, at least some of the plurality of distributed applications deployed on the blockchain may publish the computed credit features to the blockchain, and correspondingly, the blockchain may have stored thereon the credit features published by the at least some applications.

Further, any one of the plurality of distributed applications may obtain credit characteristics published by other distributed applications and evaluate the credit rating of the user based on the credit characteristics published by other distributed applications.

Illustratively, the above-mentioned distributed application a may issue the calculated credit feature a onto the blockchain, and further, the distributed application b may obtain the credit feature a and evaluate the credit rating of the target user in the distributed application b based on the credit feature a.

In an embodiment shown, since the service characteristics of the distributed application a and the distributed application b are different, the credit evaluation policies of the two may be different, and it may not be accurate to directly use the credit feature a calculated by the distributed application a to evaluate the credit level of the target user in the distributed application b. Thus, the distributed application b may specifically include, when evaluating the credit rating of the target user in the distributed application b based on the credit feature a described above: the credit characteristics a are converted into credit characteristics conforming to the credit evaluation policy of the distributed application b, and then the credit level of the target user in the distributed application b is evaluated based on the credit characteristics obtained after conversion, so as to ensure the accuracy of credit evaluation, and specific reference may be made to the following description of embodiments, which will not be repeated here.

It should be noted that, the specific implementation manner of issuing the credit feature calculated by the distributed application on the blockchain and obtaining the credit feature issued by other distributed applications is not particularly limited in this specification.

In one illustrated embodiment, the present application may implement the above-described credit feature publishing and acquisition by a publish-subscribe mode.

Taking the example that the distributed application b and the distributed application c subscribe to the credit feature a to be published by the distributed application a respectively, the example is shown. Upon detecting that distributed application a successfully publishes credit feature a on the blockchain as an event (event), credit feature a may be broadcast to multiple subscribers to credit feature a (i.e., distributed application b and distributed application c), and distributed application b and distributed application c may receive the broadcasted credit feature a, respectively.

It will be appreciated that when the distributed application a issues the credit feature a on the blockchain, it is often required to first identify the credit feature a to be issued by an identifying node in the blockchain, and after the identifying is completed, the credit feature a can be successfully issued on the blockchain, and so on, which will not be described in detail herein.

In an embodiment, the blockchain node a, the blockchain node b, and the blockchain node c may be consensus nodes or non-consensus nodes, which are not specifically limited in this specification.

In an embodiment, the computer device 100a, the computer device 100b, and the computer device 100c may be smart phones, smart wearable devices, tablet computers, notebook computers, desktop computers, servers or server clusters, etc. with the above functions, which are not limited in this specification.

Referring to fig. 2, fig. 2 is a flowchart of a blockchain-based credit evaluation method according to an exemplary embodiment. The method can be applied to the system architecture shown in fig. 1.

In an illustrated embodiment, the method may be applied specifically to a first distributed application of a plurality of distributed applications deployed on a blockchain; for example, any one of the distributed application a, the distributed application b, and the distributed application c shown in fig. 1=. For example, the execution logic of steps S201-S202 in the method flow shown in fig. 2 may be built into the first distributed application in the form of a plug-in.

In an illustrated embodiment, the method may also be applied to a computer device running the first distributed application; for example, any one of the computer devices 100a, 100b, and 100c shown in fig. 1; alternatively, the method may be applied to other computer devices that interface with the first distributed application; for example, the other computer device may specifically be a stand-alone service device that interfaces with the computer device running the distributed application. Illustratively, the execution logic of steps S201-S202 in the method flow shown in fig. 2 may be deployed in the computer device in the form of a centralized service that is primarily used to manage the user' S credit rating in the first distributed application.

As shown in fig. 2, the method may specifically include the following steps S201 to S202.

Step S201, obtaining credit characteristics of a target user corresponding to a first distributed application in a plurality of distributed applications; wherein at least some of the plurality of distributed applications publish credit features on a blockchain; the credit features of the target user include credit features published on the blockchain by a second distributed application of the at least partial applications.

As described above, a plurality of distributed applications may be deployed on a blockchain, at least some of which may publish credit features on the blockchain, and correspondingly, credit features published by the at least some of the applications are also stored on the blockchain.

In an illustrated embodiment, when it is desired to evaluate the credit rating of the target user in a first one of the plurality of distributed applications (e.g., distributed application a shown in fig. 1, described above), the first distributed application may first obtain the credit characteristics of the target user.

It should be noted that, in order to conveniently describe the technical solution provided by the present application, the following description uses the first distributed application as the execution body.

In an illustrated embodiment, the credit feature of the target user may be a credit feature corresponding to the target user published on the blockchain by a second distributed application (e.g., distributed application b shown in fig. 1) of the at least some applications. The second distributed application may calculate, based on user data related to user credit generated in the second distributed application after the target user logs in the second distributed application using the target DID registered on the blockchain, a credit feature of the target user, and issue the credit feature to the blockchain.

By way of example, the user data related to the user credit may be a transfer record, a borrowing record, a repayment record, a deposit amount, etc. of the target user, which is not particularly limited in this specification, taking the second distributed application as a financial application. By way of example, the user data may be a resume delivery record for the target user, and so forth, as exemplified by a second distributed application, which is not specifically limited in this disclosure.

The credit feature may be a credit feature which is calculated based on the user data and accords with the service feature of the second distributed application. By way of example, taking the second distributed application as a financial application, the credit characteristics calculated based on the user data may be, for example, characteristics of good repayment record within 3 months or good repayment record within 6 months of the user, etc., which are not particularly limited in this specification.

In an embodiment, the first distributed application may directly obtain the credit characteristics of the target user issued by other distributed applications (such as the second distributed application), calculate the credit characteristics of the target user based on own user data, and the like, which is not limited in this specification.

In an illustrated embodiment, the first distributed application may calculate the credit characteristics of the target user based on user data associated with the user credit generated in the first distributed application after the target user logs into the first distributed application using the target DID.

It will be appreciated that when there is less user data in the first distributed application, particularly about user credits, and more user data in the second distributed application, the first distributed application may directly obtain credit features computed and issued by the second distributed application, thereby providing reliable data support for subsequent credit assessment by the first distributed application. When the user data about the user credit is enough in the first distributed application, the first distributed application can also calculate the credit characteristics of the user directly based on the user data.

In addition, the present specification does not particularly limit the specific implementation of calculating the credit characteristics based on the user data.

In an illustrated embodiment, each distributed application may also be populated with a pre-built credit model for calculating credit features. The specific type of the credit model is not particularly limited in the present specification, and in an embodiment, the credit model may be a neural network model or the like, which is not particularly limited in the present specification.

Illustratively, the first credit model built in advance may be carried in the first distributed application. Further, the first distributed model may input user data related to user credit generated in the first distributed application into the first credit model to perform credit feature calculation after the target user logs in the first distributed application by using the target DID, so as to obtain credit features of the target user.

For example, the second distributed application may also be equipped with a pre-built credit model. Further, the second distributed model may input user data generated by the target user in the second distributed application into a credit model of the second distributed application for credit feature calculation, thereby obtaining credit features of the target user, and may issue the calculated credit features onto a blockchain for use by other distributed applications (e.g., the first distributed application described above).

In an embodiment, the credit model carried by each of the distributed applications may be built in the distributed application. Alternatively, in an embodiment, the credit model carried by each of the above-mentioned distributed applications may be deployed in a computer device running the distributed application, or other computer devices interfacing with the distributed application, and a call interface for calling the credit model may be built in the distributed application, through which the distributed application may call the credit model deployed in the computer device to perform subsequent calculation of credit features, and the description is not limited specifically.

In an illustrated embodiment, the distributed application may also publish its own credit model onto the blockchain, and accordingly, the blockchain may have stored thereon credit models published by at least some of the plurality of distributed applications. Thus, the distributed application can acquire credit models issued by other distributed applications, and input own user data into the credit models issued by other distributed applications for credit feature calculation, so that the credit features of the user are obtained.

In an exemplary embodiment, a third distributed application of the plurality of distributed applications may issue its own second credit model onto the blockchain, and correspondingly, the first distributed application may acquire the second credit model issued by the third distributed application onto the blockchain, and then input the user data generated by the target user in the first distributed application into the second credit model to perform credit feature calculation, so as to obtain the credit feature of the target user.

In some possible embodiments, the third distributed application may be the second distributed application, or may be another distributed application in a plurality of distributed applications, which is not specifically limited in this specification.

The specific implementation manner of the distributed application to issue its own credit model on the blockchain and to obtain the credit models issued by other distributed applications is not particularly limited in this specification.

In an embodiment, similar to the credit feature publishing process described in the corresponding embodiment of fig. 1, the present application may also implement the credit model publishing and acquiring by using a publish-subscribe mode.

Illustratively, the first distributed application subscribes to the second credit model to be published by the third distributed application. Upon detecting that the third distributed application successfully publishes the second credit model on the blockchain, the second credit model may be broadcast to subscribers of the second credit model (e.g., including the first distributed application), and the first distributed application may receive the broadcasted second credit model accordingly.

It will be appreciated that when the third distributed application issues the second credit model on the blockchain, it is often necessary to first consensus the second credit model to be issued through a consensus node in the blockchain, and after the consensus is completed, the second credit model can be successfully issued on the blockchain, and so on, which will not be described in detail herein.

Further, in an illustrated embodiment, the blockchain has a corresponding system intelligence contract deployed thereon.

In an illustrative embodiment, the system intelligence contract can be used to manage credit features published on the blockchain for at least some of the applications described above. Accordingly, the second distributed application may issue the credit feature corresponding to the target user calculated by the second distributed application on the blockchain by calling the system intelligent contract.

In an illustrative embodiment, the system intelligence contract can be used to manage the credit model published on the blockchain for at least some of the applications described above. Accordingly, the second distributed application may issue a second credit model on the blockchain by invoking the system intelligence contract.

Step S202, converting the credit characteristic into a credit characteristic conforming to the credit evaluation policy of the first distributed application, and evaluating the credit level of the target user in the first distributed application based on the converted credit characteristic.

The credit assessment policies for different distributed applications may also vary in view of the differences between services provided by the different distributed applications. Thus, in one embodiment, after the first distributed application obtains the credit feature of the target user calculated and issued by the second distributed application, the credit feature may be converted into a credit feature conforming to the credit evaluation policy of the first distributed application, and then, based on the converted credit feature, the credit level of the target user in the first distributed application is evaluated, so as to ensure the accuracy of credit evaluation.

For example, taking the first distributed application as a recruitment application and the second distributed application as a financial application as an example, the credit feature issued by the second distributed application may be that the target user pays well in 6 months, and the credit feature obtained by converting the credit feature based on the credit evaluation policy of the first distributed application may be that the target user has better working capability, which is not limited in this specification.

For example, the first distributed application and the second distributed application are both financial applications, but the credit feature issued by the first distributed application may be that the target user pays well in 6 months, the credit feature obtained by converting the credit feature based on the credit evaluation policy of the first distributed application may be that the target user pays well in 3 months, and the like, which is not limited in this specification.

It will be appreciated that the higher the credit rating that is assessed, the longer the user will keep a good record of the payment.

Further, in an illustrated embodiment, the blockchain is further deployed with service contracts as service daemons for the plurality of distributed applications, respectively.

In an illustrated embodiment, the first distributed application may convert the acquired credit features of the second distributed application published on the blockchain into credit features conforming to the credit assessment policy of the first distributed application by invoking a service contract corresponding to the first distributed application, and assess the credit level of the target user in the first distributed application based on the converted credit features.

Wherein the service contract may be responsible for the on-chain core logic of the distributed application. By way of example, the core logic may include feature conversion logic for performing the above-described credit feature conversion, credit assessment logic for performing credit rating assessment based on credit features, and the like, as not specifically limited in this specification.

In an illustrated embodiment, a first distributed application may invoke feature transformation logic included in a service contract corresponding to the first distributed application to transform credit features published by the second distributed application into credit features conforming to a credit assessment policy of the first distributed application.

After converting the credit characteristics into credit characteristics conforming to the credit evaluation policy of the first distributed application, the first distributed application may further invoke credit evaluation logic included in a service contract corresponding to the first distributed application to evaluate a credit rating of the target user in the first distributed application based on the converted credit characteristics.

In addition, in some possible embodiments, the first distributed application may also obtain credit features issued by a plurality of second distributed applications (for example, the distributed application b and the distributed application c shown in fig. 1, which are described above), convert the credit features issued by the plurality of second distributed applications into credit features that conform to the credit evaluation policy of the first distributed application, evaluate the credit level of the target user in the first distributed application based on the converted credit features, and so on, which is not limited in this specification.

It should be understood that the plurality of second distributed applications described in one or more embodiments of the present disclosure refer to other distributed applications that are different from the first distributed application, and do not refer to a particular distributed application in particular.

In an embodiment, if the first distributed application is a credit feature calculated based on its own user data, the credit feature conversion may not be performed any more, and the credit level of the target user in the first distributed application may be estimated directly using the calculated credit feature.

In an illustrated embodiment, if the first distributed application is calculating credit features based on its own user data, and the credit model used is a credit model published by another distributed application (e.g., the second credit model published by the second distributed application described above), the calculated credit features may still be transformed to obtain credit features that conform to the credit assessment policy of the first distributed application. Whether feature conversion is required or not may be determined based on actual service differences between different distributed applications in particular, which is not specifically limited in this specification. For example, if the first distributed application and the second distributed application are both financial applications, and the service provided by the first distributed application and the second distributed application have small difference, credit characteristics calculated by the first distributed application based on a second credit model issued by the second distributed application often conform to a credit evaluation policy of the first distributed application, so that characteristic conversion can be omitted. For example, if the first distributed application is a game application and the second distributed application is a financial application, and the service provided by the two applications is different greatly, credit characteristics calculated by the first distributed application based on a second credit model issued by the second distributed application often do not conform to a credit evaluation policy of the first distributed application, so that feature conversion is required, and the like, which is not particularly limited in this specification.

Further, after the first distributed application evaluates the credit level of the target user in the first distributed application, the first distributed application may restrict the operation of the target user in the first distributed application based on the credit level, and so on, and may specifically refer to the description of the following embodiments, which is not described in detail herein.

Referring to fig. 3, fig. 3 is a flowchart of a service management method for a distributed application according to an exemplary embodiment. The method can be applied to the system architecture shown in fig. 1, and particularly can be applied to the distributed application in the system architecture shown in fig. 1. As shown in fig. 3, the method may specifically include the following steps S301 to S308.

Step S301, obtaining a credit feature corresponding to the target user issued by the second distributed application.

In an illustrated embodiment, step S301 may refer to the description of step S201 in the corresponding embodiment of fig. 2, which is not described herein.

Step S302, converting the credit feature into a credit feature conforming to the credit assessment policy of the first distributed application.

In an illustrated embodiment, step S302 may refer to the description of step S202 in the corresponding embodiment of fig. 2, which is not described herein.

Step S303, based on the converted credit characteristics, evaluates the credit rating of the target user in the first distributed application.

In an illustrated embodiment, step S303 may refer to the description of step S202 in the corresponding embodiment of fig. 2, which is not described herein.

In step S304, in response to the target user logging in the first distributed application based on the target DID authorization, access rights of the target user to the plurality of services included in the first distributed application are determined based on the credit level of the target user.

In an illustrated embodiment, a plurality of services may be included in a first distributed application, which may determine access rights of a target user for the plurality of services based on the assessed credit rating.

In an illustrated embodiment, in response to a target user logging into a first distributed application based on a target DID authorization registered on a blockchain, the first distributed application may determine whether the target user has access to a plurality of services included in the first distributed application based on the assessed credit level.

For example, if the level of the target user is low, the target user may not have access to a portion of the plurality of services, and accordingly, the first distributed application may provide only the portion of the services to which the target user has access (i.e., prohibit the target user from accessing the portion of the services not having access).

Illustratively, taking a first distributed application as an example of a financial application, the services provided by the first distributed application may include: deposit services, transfer services, investment financial services, and pre-equity services, etc., wherein the credit rating requirements may vary from service to service. Illustratively, in the credit assessment policy of the first distributed application, the credit rating may be divided into four ratings A1, A2, A3, A4, wherein the rating A1 is higher than the rating A2, the rating A2 is higher than the rating A3, and the rating A3 is higher than the rating A4.

For example, if the credit level of the target user in the first distributed application is A1, the first distributed application may determine that the target user has access rights to all services including a deposit service, a transfer service, an investment financial service, and a service of a pre-asset included in the first distributed application.

For example, if the target user has a credit rating of A2 in the first distributed application, the first distributed application may determine that the target user does not have access to the pre-asset service.

For example, if the target user has a credit rating of A3 in the first distributed application, the first distributed application may determine that the target user does not have access rights to the pre-asset service and the investment financial service. By way of example, if the target user has a credit rating of A4 in the first distributed application, the first distributed application may determine that the target user has only the access rights of the deposit service described above, and so on, which is not particularly limited in this specification.

In an embodiment, if the evaluation results in that the credit rating of the target user in the first distributed application is very low, for example, the credit characteristics of the target user do not meet the condition of the rating A4, the target user may be directly prohibited from logging into the first distributed application, and the description is not limited specifically.

In step S305, in response to an access request of the target user for the target service provided by the first distributed application, it is determined whether the target user has access rights to the target service.

In an illustrated embodiment, after the target user logs in to the first distributed application based on the target DID authorization, the target user may access various services contained in the first distributed application.

In an illustrated embodiment, in response to a request by a target user for access to a target service of a plurality of services included in a first distributed application, the first distributed application may further determine whether the target user has access to the target service based on the assessed credit rating of the target user.

Illustratively, if it is determined that the target user does not have the access right to the target service, step S306 is performed, and if it is determined that the target user has the access right to the target service, step S307 is performed.

Step S306, the target user is prohibited from accessing the target service.

In an illustrated embodiment, if the target user does not have access to the target service, the user's access request to the target service may be denied, i.e., the target user is prohibited from accessing the target service, to avoid security issues associated with providing services to users with lower credits.

In an illustrated embodiment, if it is determined that the target user does not have the access right of the target service, the icon corresponding to the target service or the control for accessing the target service may not even be displayed to the user in the user interface provided by the first distributed application, or the control for accessing the target service may be set to an invalid control, so that the target user cannot perform a valid click operation on the control, and the specification is not limited in this regard.

In an embodiment shown, if the first distributed application contains fewer services, even only one service, the first distributed application may default to opening all services it contains to users of all credit classes, i.e. the users of all credit classes have access rights to all services contained in the first distributed application, in other words, the first distributed application may not need to determine the access rights of the users for each service based on the evaluated credit classes any more, and so on, which is not specifically limited in this specification.

Step S307, determining a service level of the service provided by the target service to the target user based on the evaluated credit level.

In an illustrated embodiment, if the first distributed application determines that the target user has access to the target service based on the credit rating of the target user, then an access request for the target user may be received and the target service may be provided to the target user.

Further, when the first distributed application provides the target service for the target user, service content corresponding to the credit level of the target user can be further provided for the target user based on the credit level of the target user, so that service use behaviors of users with different credit levels are further constrained, and fairness and safety of the distributed application are guaranteed.

In an embodiment, the first distributed application may first determine a service level of the service provided by the target service to the target user based on the evaluated credit level, and further, the first distributed application may provide the service content corresponding to the service level included in the target service to the target user based on the determined service level.

Illustratively, in the credit evaluation policy of the first distributed application, the service level of the target service may be divided into four levels B1, B2, B3, and B4, similar to the above-described division of the credit level, wherein the level B1 is higher than the level B2, the level B2 is higher than the level B3, and the level B3 is higher than the level B4.

Illustratively, if the credit rating of the target user is level A1, it may be determined that the service rating of the target service providing the service to the target user is B1, if the credit rating of the target user is level A2, it may be determined that the service rating of the target service providing the service to the target user is B2, and so on.

For example, the service level of the target service may be divided into two levels B1 and B2, wherein the level B1 is higher than the level B2. Accordingly, if the credit rating of the target user is the level A1 or A2, it may be determined that the service rating of the target service providing the service for the target user is B1, and if the credit rating of the target user is the level A4 or A4, it may be determined that the service rating of the target service providing the service for the target user is B2, which is not particularly limited herein.

It should be noted that, when the first distributed application includes a plurality of services, the policy of dividing service levels corresponding to different services may be different, which is not specifically limited in this specification.

Step S308, providing the service content corresponding to the determined service level contained in the target service to the target user.

Further, in an embodiment, after determining the service level of the target user for the target service, the first distributed application may further determine, based on the determined service level, service content corresponding to the service provided by the target service for the target user, and provide the service content to the target user.

For example, taking the first distributed application as a financial application, the target service is a pre-asset service, and the target service corresponds to the four service classes B1, B2, B3 and B4. For example, the credit line available in the target service may be different for different service classes. The maximum amount of the target user's pre-controllable asset may be 100 ten thousand if the service level of the target user is B1, 50 ten thousand if the service level of the target user is B2, 20 ten thousand if the service level of the target user is B3, 5 ten thousand if the service level of the target user is B4, and so on, which is not particularly limited in this specification.

For example, taking the first distributed application as a recruitment application, the target service is a delivery resume service, and the target service corresponds to the two service classes B1 and B2. The number of times the target user can deliver the resume at most per day is 10 times if the service level of the target user is B1, 5 times if the service level of the target user is B2, and so on, which are not particularly limited in this specification.

In summary, the distributed applications deployed on the blockchain of the present application may calculate the credit characteristics of the user based on the respective user data, and the distributed applications may issue the calculated credit characteristics to the blockchain. Further, any one of the distributed applications deployed on the blockchain can acquire credit features of other distributed applications published on the blockchain, and can convert the credit features of other distributed applications published into credit features conforming to the credit evaluation policy of the application by considering the difference between services provided by different distributed applications. Finally, the distributed application may evaluate the user's credit rating in the distributed application based on the converted credit characteristics. Therefore, the application can obtain a large number of credit characteristics issued by the distributed applications based on the information sharing capability of the blockchain, and efficiently and accurately calculate the credit level of the user in each distributed application by combining the credit evaluation strategy of each distributed application, thereby realizing the construction of a distributed identity credit system based on the distributed application, so that the operation behavior of the user in each distributed application is restrained after the user logs in each distributed application based on the distributed identity, and the fairness and the safety of the distributed application are effectively ensured.

Corresponding to the implementation of the method flow, the embodiment of the specification also provides a credit evaluation device based on the blockchain. Referring to fig. 4, fig. 4 is a schematic structural diagram of a credit evaluation device based on blockchain according to an exemplary embodiment. In an illustrated embodiment, the apparatus 40 may be applied to a first distributed application of a plurality of distributed applications deployed on a blockchain, or may be applied to a centralized service that manages user credit levels in the first distributed application, which may be deployed in a computer device running the first distributed application or other computer device interfacing with the first distributed application. As shown in fig. 4, the apparatus 40 includes:

an obtaining unit 401, configured to obtain a credit feature of a target user corresponding to a first distributed application of the plurality of distributed applications; wherein the credit features include credit features published at the blockchain by a second distributed application of the at least partial applications; the credit feature is calculated by the second distributed application based on user data generated by the target user in the second distributed application; the user data is user data related to user credit generated in the second distributed application after the target user logs in the second distributed application by adopting a target distributed digital identity DID registered on the blockchain;

A credit evaluation unit 402, configured to convert the credit characteristic into a credit characteristic conforming to a credit evaluation policy of the first distributed application, and evaluate a credit level of the target user in the first distributed application based on the converted credit characteristic.

In an illustrated embodiment, the apparatus further comprises a login management unit 403 for:

In an illustrated embodiment, the apparatus further comprises a service management unit 404 for:

In an illustrative embodiment, the blockchain has disposed thereon a system intelligence contract for managing credit features published on the blockchain by the at least some applications; the second distributed application publishes the credit feature of the target user on the blockchain by invoking the system intelligence contract.

In an illustrated embodiment, the credit features further include credit features calculated by the first distributed application based on user data generated by the target user in the first distributed application; the user data is user data related to user credit generated in the first distributed application after the target user logs in the first distributed application by adopting the target DID registered on the blockchain.

In an embodiment, the first distributed application is provided with a first credit model built in advance; the apparatus 40 further comprises a first feature calculation unit 405 for:

and inputting user data generated by the target user in the first distributed application into the first credit model to perform credit feature calculation to obtain the credit features of the target user.

In an illustrative embodiment, at least some of the plurality of distributed applications also publish a credit model on the blockchain; the apparatus 40 further comprises a second feature calculation unit 406 for:

acquiring a second credit model issued by a third distributed application in the at least partial application;

and inputting user data generated by the target user in the first distributed application into the second credit model for credit feature calculation to obtain the credit features of the target user.

In an illustrative embodiment, the system intelligence contract is further configured to manage a credit model published on the blockchain by the at least partial application; the third distributed application publishes the second credit model on the blockchain by invoking the system intelligence contract.

In an illustrated embodiment, the blockchain has also deployed thereon service contracts as service daemons for the plurality of distributed applications, respectively;

the credit evaluation unit 402 is specifically configured to:

invoking feature conversion logic contained in a service contract corresponding to the first distributed application, converting the credit feature into a credit feature conforming to a credit evaluation policy of the first distributed application, further invoking credit evaluation logic contained in the service contract corresponding to the first distributed application after converting the credit feature into a credit feature conforming to the credit evaluation policy of the first distributed application, and evaluating the credit level of the target user in the first distributed application based on the converted credit feature.

The implementation process of the functions and roles of the units in the above device 40 is specifically described in the above corresponding embodiments of fig. 1 to 3, and will not be described in detail herein. It should be understood that the apparatus 40 may be implemented in software, or may be implemented in hardware or a combination of hardware and software. Taking software implementation as an example, the device in a logic sense is formed by reading corresponding computer program instructions into a memory by a processor (CPU) of the device. In addition to the CPU and the memory, the device in which the above apparatus is located generally includes other hardware such as a chip for performing wireless signal transmission and reception, and/or other hardware such as a board for implementing a network communication function.

The apparatus embodiments described above are merely illustrative, wherein the elements illustrated as separate elements may or may not be physically separate, and the elements shown as elements may or may not be physical modules, i.e., may be located in one place, or may be distributed over a plurality of network modules. Some or all of the units or modules may be selected according to actual needs to achieve the purposes of the present description. Those of ordinary skill in the art will understand and implement the present invention without undue burden.

The apparatus, units, modules illustrated in the above embodiments may be implemented in particular by a computer chip or entity or by a product having a certain function. A typical implementation device is a computer, which may be in the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email device, game console, tablet computer, wearable device, vehicle-mounted computer, or a combination of any of these devices.

Corresponding to the method embodiments described above, embodiments of the present disclosure also provide a computer device. Referring to fig. 5, fig. 5 is a schematic structural diagram of a computer device according to an exemplary embodiment. The computer device shown in fig. 5 may be any one of the computer device 100a, the computer device 100b, and the computer device 100c in the system architecture shown in fig. 1. A first distributed application of the plurality of distributed applications on the blockchain may be deployed on the computer device; wherein credit features published by at least some of the plurality of distributed applications are stored on the blockchain. As shown in fig. 5, the computer device includes a processor 1001 and a memory 1002, and may further include an input device 1004 (e.g., keyboard, etc.) and an output device 1005 (e.g., display, etc.). The processor 1001, memory 1002, input devices 1004, and output devices 1005 may be connected by a bus or other means. As shown in fig. 5, the memory 1002 includes a computer-readable storage medium 1003, which computer-readable storage medium 1003 stores a computer program executable by the processor 1001. The processor 1001 may be a CPU, microprocessor, or integrated circuit for controlling the execution of the above method embodiments. The processor 1001, when running a stored computer program, may perform the steps of the credit assessment method in the embodiment of the present specification, including: acquiring credit characteristics of a target user; wherein the credit features include credit features published on the blockchain by a second distributed application of the at least partial applications; the credit feature is calculated by the second distributed application based on user data generated by the target user in the second distributed application; the user data is user data related to user credit generated in the second distributed application after the target user logs in the second distributed application by adopting a target distributed digital identity DID registered on the blockchain; converting the credit characteristics into credit characteristics conforming to a credit evaluation strategy of the first distributed application, and evaluating the credit level of the target user in the first distributed application based on the converted credit characteristics.

For a detailed description of each step of the credit evaluation method, please refer to the previous contents, and a detailed description thereof will not be provided herein.

Corresponding to the above-described method embodiments, embodiments of the present description also provide a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, performs the steps of the credit assessment method in the embodiments of the present description. Please refer to the above description of the corresponding embodiments of fig. 1-3, and detailed descriptions thereof are omitted herein.

The foregoing description of the preferred embodiments is provided for the purpose of illustration only, and is not intended to limit the scope of the disclosure, since any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the disclosure are intended to be included within the scope of the disclosure.

In a typical configuration, the terminal device includes one or more CPUs, input/output interfaces, network interfaces, and memory.

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

Computer readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.

Examples of storage media for a computer include, but are not limited to, phase change memory (PRAM), static Random Access Memory (SRAM), dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), read Only Memory (ROM), electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium, which can be used to store information that can be accessed by a computing device. Computer-readable media, as defined herein, does not include transitory computer-readable media (transmission media), such as modulated data signals and carrier waves.

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 one … …" does not exclude the presence of other like elements in a process, method, article or apparatus that comprises the element.

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

Claims

1. A blockchain-based credit assessment method, the blockchain having a plurality of distributed applications deployed thereon; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

2. The method of claim 1, the method further comprising:

3. The method of claim 1, the method further comprising:

4. The method of claim 1, the blockchain having disposed thereon a system intelligence contract for managing credit features published on the blockchain by the at least partial application; the second distributed application publishes the credit feature of the target user on the blockchain by invoking the system intelligence contract.

5. The method of claim 1, the credit feature further comprising a credit feature calculated by the first distributed application based on user data generated by the target user in the first distributed application; the user data is user data related to user credit generated in the first distributed application after the target user logs in the first distributed application by adopting the target DID registered on the blockchain.

6. The method of claim 5, wherein the first distributed application is populated with a pre-built first credit model; the method further comprises the steps of:

7. The method of claim 5, at least some of the plurality of distributed applications further publishing a credit model on the blockchain;

the method further comprises the steps of:

8. The method of claim 7, the system intelligence contract further for managing a credit model published on the blockchain by the at least partial application; the third distributed application publishes the second credit model on the blockchain by invoking the system intelligence contract.

9. The method of any of claims 1-8, further deploying service contracts on the blockchain as service daemons for the plurality of distributed applications, respectively;

the converting the credit feature into a credit feature conforming to a credit assessment policy of the first distributed application, and assessing a credit rating of the target user in the first distributed application based on the converted credit feature, comprising:

10. A login management method of distributed application deploys a plurality of distributed applications on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

11. A service management method of distributed application, have deployed a plurality of distributed applications on the block chain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the method comprises the following steps:

12. A blockchain-based credit assessment device, the blockchain having a plurality of distributed applications deployed thereon; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

13. A login management device of distributed applications deploys a plurality of distributed applications on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

14. A service management device of distributed application deploys a plurality of distributed applications on a blockchain; wherein at least some of the plurality of distributed applications publish credit features on the blockchain; the device comprises:

15. A computer device, comprising: a memory and a processor; the memory has stored thereon a computer program executable by the processor; the processor, when running the computer program, performs the method according to any one of claims 1 to 9, or performs the method according to claim 10, or performs the method according to claim 11.

16. A computer readable storage medium having stored thereon a computer program which, when executed by a processor, performs the method of any one of claims 1 to 9, or performs the method of claim 10, or performs the method of claim 11.