WO2020147478A1

WO2020147478A1 - Block chain-based user feature value acquisition and application method and apparatus

Info

Publication number: WO2020147478A1
Application number: PCT/CN2019/125909
Authority: WO
Inventors: 陈鑫
Original assignee: 阿里巴巴集团控股有限公司
Priority date: 2019-01-14
Filing date: 2019-12-17
Publication date: 2020-07-23
Also published as: CN110033263A; TW202026936A; TWI736959B

Abstract

A block chain-based user feature value acquisition and application method and apparatus. A block chain comprises multiple service behavior data provider node devices. The user feature value acquisition method comprises: acquiring a target transaction sent by the service behavior data provider node device, the target transaction comprising service behavior data generated by a target user (step 102); and calling a first intelligent contract, executing calculation logic of a user feature value declared by the first intelligent contract, and calculating and obtaining the feature value of the target user on the basis of the service behavior data generated by the target user (step 104).

Description

Block chain-based user characteristic value acquisition and application method and device

Technical field

This specification relates to the field of data processing technology, in particular to blockchain-based user feature value acquisition and application methods and devices.

Background technique

Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices participate in "bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology has been widely used in many fields. To apply.

Summary of the invention

In view of this, one or more embodiments of this specification provide a block chain-based user feature value acquisition and application method and device, and computer equipment.

To achieve the above purpose, one or more embodiments of this specification provide technical solutions as follows:

According to the first aspect of one or more embodiments of this specification, a method for obtaining user characteristic values based on a blockchain is proposed. The blockchain includes multiple business behavior data provider node devices, and the method includes:

Acquiring a target transaction sent by a node device of a business behavior data provider, where the target transaction includes business behavior data generated by a target user;

The first smart contract is called, the calculation logic of the user characteristic value declared by the first smart contract is executed, and the characteristic value of the target user is calculated based on the business behavior data generated by the target user.

According to the second aspect of one or more embodiments of this specification, a blockchain-based application method of user characteristic values is proposed, which is applied to the application side node equipment included in the blockchain, and the method includes:

Obtaining, by the application side node device, the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;

Based on the characteristic value of the target user, execute application processing logic to the characteristic value of the target user.

According to a third aspect of one or more embodiments of the present specification, a device for obtaining user characteristic values based on a blockchain is proposed. The blockchain includes multiple business behavior data provider node devices, and the device includes:

An acquiring unit, configured to acquire a target transaction sent by a business behavior data provider node device, the target transaction including business behavior data generated by a target user;

The execution unit is configured to call the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.

According to the fourth aspect of one or more embodiments of this specification, an application device based on user characteristic values of a blockchain is proposed, which is applied to the application side node equipment included in the blockchain, and the device includes:

An obtaining unit, configured to obtain the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;

The execution unit is configured to execute application processing logic for the characteristic value of the target user based on the characteristic value of the target user.

According to a fifth aspect of one or more embodiments of this specification, a computer device is proposed, including: a memory and a processor; the memory stores a computer program that can be run by the processor; the processor runs the computer During the program, the above-mentioned method for obtaining user characteristic values based on the blockchain is executed.

According to a sixth aspect of one or more embodiments of this specification, a computer device is proposed, including: a memory and a processor; the memory stores a computer program that can be run by the processor; the processor runs the computer During the program, the above-mentioned application method of user characteristic values based on the blockchain is executed.

It can be seen from the above technical solutions that the method and device for obtaining user characteristic values based on the blockchain provided in this manual utilizes smart contracts deployed on the blockchain and is invoked by a target transaction containing business behavior data related to user characteristic values. The calculation of the user characteristic value is automatically performed to obtain the corresponding user characteristic value. The consensus mechanism of the blockchain ensures the authenticity and tamper-proof modification of the user’s business behavior data based on the calculation of user characteristic values; compared to the centralized calculation of user characteristic values, the calculation process performed independently by smart contracts ensures that users The feature value calculation is fair and impartial, and because the smart contract can be called at any time, the efficiency of obtaining user feature values is improved.

After the smart contract executes the calculation logic of the user's characteristic value, it will publish the calculation result, that is, the user's characteristic value in the distributed database of the blockchain. Correspondingly, the user characteristic values obtained fairly and impartially according to the blockchain-based user characteristic value acquisition method provided in this manual provide objective and fair data support for relevant business organizations to develop applications based on the user characteristic values, effectively preventing The business barriers between various business organizations due to the one-sidedness of the business behavior data generated by users are recorded.

BRIEF DESCRIPTION

FIG. 1 is a schematic flowchart of a method for acquiring user characteristic values based on a blockchain according to an embodiment provided in this specification;

FIG. 2 is a schematic flowchart of a blockchain-based user feature value application method according to an embodiment provided in this specification;

FIG. 3 is a schematic diagram of a method for obtaining and applying user health points based on blockchain according to an embodiment provided in this specification;

4 is a schematic diagram of a block chain-based user characteristic value obtaining device provided by an embodiment provided in this specification;

FIG. 5 is a schematic diagram of a block chain-based user characteristic value application device provided by an embodiment provided in this specification;

Fig. 6 is a hardware structure diagram of an embodiment of a block chain-based user feature value acquisition or application device provided in this specification.

detailed description

Exemplary embodiments will be described in detail here, examples of which are shown in the drawings. When the following description refers to the accompanying drawings, unless otherwise indicated, the same numerals in different drawings represent the same or similar elements. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of this specification. Rather, they are merely examples of devices and methods consistent with some aspects of one or more embodiments of this specification as detailed in the appended 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. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. description.

The user characteristic value described in this specification refers to the ability or degree value of an individual user in a specified business field. For example, the user credit value is the personal trustworthiness value of the user in a financial-related business field. With the gradual expansion of the reference and application scope of individual credit characteristic values (expressed in various credit scores, credit scores, etc.) by various institutions in society, the individual characteristic values of individual users in other aspects other than credit It is also gradually favored by new business models. For example, the health feature value used to reflect the user's physical health status can be used by a business organization that takes the user's physical health as a consideration factor; the IQ feature value used to reflect the user's intelligence status can be used as the consideration factor Used by business organizations; there are also user characteristic values such as emotional quotient value and mental health value that reflect the user’s emotional quotient or mental health status.

The acquisition of the above-mentioned user characteristic values is usually performed by one or several evaluation agencies to score and evaluate the user characteristic values. The evaluation rules and evaluation process are usually not disclosed. It is difficult to ensure the rationality of the user characteristic value calculation rules, and it is even more difficult to ensure the calculation process. Fairness and justice.

In view of the technical status and problems raised above, FIG. 1 is a schematic flowchart of a method for acquiring user characteristic values based on a blockchain according to an embodiment provided in this specification. The blockchain includes multiple business behavior data providers. Node device.

The business behavior data provider described in this embodiment is used to provide business behavior data generated by users, so as to provide a calculation basis for calculating user characteristic values. For example, when the user characteristic value is the user's credit value, the aforementioned business behavior data providers may include banks or financial institutions that provide data on the user's loan repayment behavior, business payment platforms that provide user payment behavior data, and consumption that provides user consumption behavior data. Platform, etc., to provide the basis of business behavior for the user’s credit value calculation; when the user’s characteristic value is the user’s health points, the above-mentioned business behavior data providers may include medical and health institutions that provide the user’s medical or physical examination records, and provide user participation Insurance institutions that provide medical and health-related insurance business behavior data, or claims agencies that provide user claims behavior data, may even include collection devices that can monitor user health behavior parameters such as daily steps and kilometers run.

The blockchain described in this embodiment can specifically refer to a P2P network system with a distributed data storage structure reached by nodes through a consensus mechanism. The data in the blockchain is distributed in time-connected "zones". Within "block", the next block contains the data summary of the previous block, and according to the specific consensus mechanism (such as POW, POS, DPOS or PBFT, etc.), a full backup of all or part of the node data is achieved . Those skilled in the art are well aware that because the blockchain system operates under the corresponding consensus mechanism, the data that has been included in the blockchain database is difficult to be tampered with by any node. For example, the blockchain using Pow consensus requires at least the entire network Only 51% of the computing power can tamper with existing data. Therefore, the blockchain system has the characteristics of ensuring data security and preventing attack and tampering that other centralized database systems cannot match. It can be seen that in the embodiments provided in this specification, the data included in the distributed database of the blockchain will not be attacked or tampered with, thereby ensuring that the business behavior data provided by the above-mentioned business behavior data provider will not be After being provided to the distributed database of the blockchain, it was tampered with, thereby ensuring the fairness of computing user characteristic values.

The business behavior data provider node device described in this embodiment can join the blockchain as a node of the blockchain by following the installation of the corresponding node protocol and running the node protocol program. Those skilled in the art usually refer to a node device with full backup of the data of the blockchain distributed database as a full node, and a node device with partial backup data of the blockchain distributed database (such as data with only the block header) It is called a light node or a client; in this embodiment, the business behavior data provider node device may include the above-mentioned full node, light node or client, as long as it is directly or indirectly connected to the above-mentioned blockchain and can Any device that sends or obtains data of the distributed database of the blockchain can be referred to as the node device described in this embodiment.

As shown in Figure 1, the above block chain-based user characteristic value acquisition method is applied to the node device in the block chain, including:

Step 102: Obtain a target transaction sent by a business behavior data provider node device, where the target transaction includes business behavior data generated by a target user.

The transaction described in this specification refers to a piece of data created by users of all parties through the node device end of the blockchain and need to be finally released to the distributed database of the blockchain. Among them, transactions in the blockchain are divided into narrow transactions and broad transactions. A transaction in a narrow sense refers to a transfer of value issued by a user to the blockchain; for example, in a traditional Bitcoin blockchain network, a transaction can be a transfer initiated by the user in the blockchain. In a broad sense, a transaction refers to a piece of business data with business intentions released by a user to the blockchain; for example, a transaction can be a piece of business with business intentions released by a user in the blockchain that has nothing to do with value transfer (such as , Rental business, vehicle scheduling business, insurance claims business, credit services, medical services, etc.) messages or business requests. The target transaction described in this embodiment refers to a piece of business data that includes the business behavior data of the target user. The business data can call the corresponding smart contract to execute the characteristic value of the target user based on the business behavior data of the target user. Calculation.

The business behavior data of the target user and the call information data used to call the smart contract for calculating the user characteristic value can be packaged into a target transaction according to a preset transaction format, and then uploaded to the blockchain.

Since the business behavior data of the target user mentioned above usually includes the private information of the target user, such as health information, or financial information, etc., in order to prevent accidental disclosure or misuse of the target user’s private information, the above-mentioned preset transaction format can be specified The business behavior data of the target user contained in the target exchange mentioned above is encrypted, thereby reducing the potential leakage of the user business behavior data backed up on the distributed database of the blockchain.

In another embodiment shown, in order to ensure that the business behavior data generated by the target user is provided by the corresponding business behavior data provider, and not maliciously forged or counterfeited by other node devices, in the above preset transaction format Wherein, the aforementioned target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user. Based on the verification of the above electronic signature, it can be verified whether the initiator of the above target transaction is a legitimate business behavior data provider node device.

The detailed process of uploading the target transaction to the distributed database of the blockchain described in the foregoing embodiment can be specifically set according to the consensus mechanism and transaction rules of the blockchain. In an illustrated embodiment, uploading the target transaction to the distributed database of the blockchain includes:

Adding the target transaction to the candidate block by a node device with accounting authority in the blockchain;

Determining, from the node devices with accounting authority, a consensus accounting node device that meets the blockchain consensus mechanism;

The consensus accounting node broadcasts the candidate block to the node device of the blockchain;

After the candidate block is verified and approved by the blockchain in accordance with a preset number of node devices, the candidate block is regarded as the latest block and added to the distributed database of the blockchain.

In the foregoing embodiment, the node device with the accounting authority refers to the node device with the authority to generate candidate blocks. According to the consensus mechanism of the blockchain, the consensus bookkeeping node device can be determined from the node devices with the bookkeeping authority of the candidate block. The aforementioned consensus mechanism may include a proof of work mechanism (PoW) or a proof of right mechanism ( PoS), or proof of share authorization mechanism (DPoS), etc.

The PoS or DPoS consensus mechanism is similar to PoW, and both belong to the consensus algorithm commonly used by the public blockchain to confirm the consensus accounting node equipment. In another illustrated embodiment, in order to reduce the confirmation time of transactions or data, increase transaction throughput, and meet the requirements for security and performance, the embodiments provided in this specification can also use the alliance chain architecture to construct the block chain. The above-mentioned business behavior data provider node equipment and business-related supervisory agencies can be used as pre-selected node equipment of the alliance chain to participate in block accounting. The consensus process of the alliance chain is also controlled by the preselected node device. When there are more than a set ratio (such as 2/3) of node devices on the network to confirm a block, the transaction or data recorded in the block will be confirmed by the entire network.

Consortium chains usually use proof of rights or consensus algorithms such as PBFT and RAFT. In implementation, before the start of each round of consensus in the blockchain, a master node device can be elected from each node device in the blockchain, that is, the consensus accounting node described in the above embodiment (for example, every In a round of consensus, a master node device is re-elected, and other node devices are used as slave node devices. The master node device further initiates transaction verification and consensus, and is responsible for the transaction data (or target data) passed based on the consensus as the block The chain creates the latest block.

The PBFT algorithm, as a preferred implementation of the consensus algorithm of the alliance chain provided in this specification, is due to the high efficiency of adopting this algorithm consensus and can meet the needs of high-frequency trading volume. For example, in this embodiment, business behavior data The provider node device generates corresponding target transactions based on frequently received or generated business behavior data of different users; and the consensus delay is very low, basically meeting the requirements of real-time processing, and can quickly and real-timely in the new block of the blockchain The above-mentioned target transactions are included in the above; moreover, the trusted nodes in the alliance chain network are used as pre-selected accounting nodes, which takes into account security and stability; in addition, the use of the PBFT algorithm will not consume too much computer computing resources, nor is it Token circulation is required, so it has good usability.

Step 104: Invoke the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.

Smart contracts are usually computer executable programs that are compiled and deployed on the blockchain. Smart contracts need to pass the consensus verification of blockchain nodes before being deployed on the blockchain. In this embodiment, it is stated that the first smart contract that has the calculation logic for the user characteristic value can be included in the distributed database of the blockchain after the consensus verification of the blockchain node. The consensus nodes jointly supervise and verify the calculation and acquisition process of the above-mentioned user characteristic values.

After obtaining the above target transaction, the node device of the blockchain calls the first smart contract pointed to by the target exchange (based on the smart contract address and function interface included in the first transaction). The node device in the blockchain can be based on the above The target transaction calls the first smart contract, executes the calculation of the user's characteristic value, and generates the result of the call execution, that is, the target user's characteristic value calculated based on the target user's business behavior data included in the target exchange. Those skilled in the art should know that when the result of calling and executing the first smart contract (that is, the characteristic value of the target user) is verified by the consensus of the blockchain nodes, the execution result is included in the blockchain In a distributed database, for evidence.

This specification does not limit the specific calculation logic of the user characteristic value declared by the above-mentioned first smart contract. It can be after obtaining the preset number or type of user business behavior data (or target transaction) of the target user, Then perform the calculation of the characteristic value of the target user; it can also be as the business behavior data provider node device continuously uploads the target transaction, and continuously obtains the user business behavior data (or target transaction) that meets the preset format, thereby The feature value of the target user mentioned above is constantly updated, that is, the STORM-based streaming calculation logic; it can also include other types of calculation logic.

Those skilled in the art can know that the above-mentioned STORM-based streaming calculation logic can accurately and quickly process the data information flow, thereby providing an efficient solution for the calculation of user characteristic values. Any node device in the blockchain can synchronize the new block to obtain the above-mentioned target transaction based on the new block generation frequency determined by the consensus mechanism of the above-mentioned blockchain. It can be seen from the above embodiments that the blockchain based on the alliance chain usually has high transaction processing throughput and almost real-time data on-chain timeliness, which further improves the efficiency of calculating user characteristic values based on the above-mentioned target transactions.

In another embodiment shown, when the business behavior data of the target user included in the target transaction is encrypted, the above-mentioned first smart contract should also declare that there is a decryption logic for the business behavior data to decrypt all the business behavior data. The encrypted business behavior data, so as to calculate the characteristic value of the target user based on the plain text of the business behavior data. The deployer of the first smart contract and the relevant business behavior data provider can agree on encryption and decryption methods in advance, so that the business behavior data provider node device can send the target user’s business according to the agreed encryption method before sending the target transaction. Behavioral data encryption.

Through the invocation and execution of the first smart contract by the node device of the blockchain based on the target transaction, the calculation based on the business behavior data of the target user can be completed to obtain the characteristic value of the target user. The smart contract can respond to the user's call request at any time (no need to wait in the traditional mode and reserve the working time of the user characteristic value evaluation and scoring agency), which greatly improves the efficiency of user characteristic value calculation processing. Moreover, because the logical terms of the smart contract are verified by the consensus of the blockchain nodes and cannot be tampered with, its execution results are fair and visible, avoiding the unfair and inaccurate user feature value calculation results that may appear in the traditional model. And there is no need for centralized authority oversight or arbitration for the fairness of claims results. Further, the calculation of user characteristic values is automatically performed by the target transaction calling the first smart contract, which greatly reduces the labor and time costs required to collect the target user's business behavior data in the traditional mode, and has very good economics. .

Correspondingly, after obtaining the characteristic value of the target user by using the obtaining method as described in one or more embodiments above, the characteristic value of the user can be expanded based on the characteristic value of the user stored on the distributed database of the blockchain. application.

Figure 2 illustrates a schematic flow chart of a blockchain-based user characteristic value application method provided by an embodiment of this specification, which is applied to the blockchain system described in the above-mentioned blockchain-based user characteristic value acquisition method embodiment. The blockchain includes an application side node device for the user characteristic value, which is used to obtain the user characteristic value and execute the application logic for the user characteristic value.

Similarly, the application-side node device described in this embodiment can join the blockchain as a node of the blockchain by following the installation of the corresponding node protocol and running the node protocol program. Those skilled in the art usually refer to a node device with full backup of the data of the blockchain distributed database as a full node, and a node device with partial backup data of the blockchain distributed database (such as data with only the block header) It is called a light node or client, etc.; in this embodiment, the application side node device may include the above-mentioned full node, light node or client, as long as it is directly or indirectly connected to the above-mentioned blockchain and can be sent or obtained Any device for data in the distributed database of the blockchain can be referred to as the node device described in this embodiment.

Those skilled in the art can know that, based on specific business development requirements, the application-side node device and the foregoing service behavior data provider node device may be the same node device or different node devices.

Step 202: The application node device obtains the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain.

Those skilled in the art should know that the execution result of the above-mentioned first smart contract after the invocation of the above-mentioned target transaction, that is, the characteristic value of the target user, will be included in the blockchain after being verified by the consensus of the blockchain node device. Distributed database. The specific inclusion process is similar to the above process that the target transaction is included in the distributed database of the blockchain. The verification step of the characteristic value of the target user includes the call and execution of the first smart contract by the blockchain node device , In order to verify whether the feature value of the target user is correct and reach a consensus, the specific process will not be repeated here.

Step 204, based on the characteristic value of the target user, execute application processing logic for the characteristic value of the target user.

After acquiring the feature value of the target user, the application node device can execute application processing logic for the feature value of the target user. The above application processing logic can be an application processing logic program deployed on the application side node device itself, or it can be another smart contract deployed on the above blockchain-the application processing logic program in the second smart contract. In this specification Not limited.

It is worth noting that when the application processing logic is the application processing logic declared by the second smart contract, the logic code of the first smart contract should also include the call of the second smart based on the calculated user characteristic value. The logic code of the contract (for example, including the interface and related functions of the second smart contract). Using the execution result of the first smart contract to link the second smart contract to make full use of the advantages of the smart contract, and to increase the processing efficiency and fairness of the application of user characteristic values.

As mentioned above, the above application processing logic is developed based on the user characteristic values generated by the user's business behavior data provided by multiple business behavior data provider node devices, which effectively avoids that some business organizations only rely on their own business records. The behavior data is used to evaluate the user’s performance in the business behavior, effectively avoiding the generation of business barriers. The above application processing logic may include using user credit feature values to approve loan limits or loan interest rates, or using user credit feature values to determine specific business deposit limits, or using user health feature values to design user insurance premium limits or other insurance plans, etc. With the gradual expansion of the user characteristic value category, the application mode and content of the user characteristic value will become more and more extensive, which is not limited in this specification.

In the following, taking the user health points that characterize the user's physical health status as an example, the method for obtaining and applying user characteristic values provided in this specification is described. The above-mentioned user characteristic value can be specifically expressed as user health points or user health credit values and so on.

As shown in Figure 3, the business behavior data provider node equipment described in this embodiment includes: medical and health service provider equipment—such as equipment terminals of hospitals or health service institutions, and insurance service provider equipment—such as insurance service platforms or insurance Company’s equipment terminal, claims service provider equipment-such as insurance company equipment terminals, and user health behavior parameter collection equipment-such as one or more of wearable devices used to monitor the user's walking or running journey or speed The application side node device of the user characteristic value may include an insurance service side device-such as an insurance company's device terminal.

Correspondingly, the business behavior data that can be provided by each of the above-mentioned business behavior data provider node devices may include: the target user’s medical or health consultation records, physical examination reports, the target user’s insurance policy record, the target user’s insurance claim record, and the target user’s User’s daily exercise data, etc. The above-mentioned business behavior data provider node devices send the target user’s business behavior data generated by the institution to the blockchain for storage and call the health service smart contract deployed on the above-mentioned blockchain to execute the health service The calculation logic of the user's health points declared by the smart contract.

Specifically, each of the above-mentioned business behavior data provider node devices and the deployer of the above-mentioned health service smart contract can pre-appoint the data content format and the executed API function of the business behavior data processed by the above-mentioned health service smart contract to facilitate the smart contract. transfer.

The above-mentioned health service smart contract can be invoked and executed by the target transaction sent by each of the above-mentioned business behavior data provider node devices, and has passed the consensus of the consensus mechanism of the blockchain and the verification rules of the blockchain for the execution result of the smart contract. After verification, the health points of the target user can be backed up in the distributed database of the blockchain.

Because the target user’s business behavior data can be generated continuously or occasionally, for example, the target user can occasionally generate medical treatment records, claims records, and can also periodically generate daily exercise information, so the above-mentioned health service smart contract is deployed The calculation logic for user health points can be deployed as STROM-based streaming calculation logic, which can quickly process streaming business behavior data, and continuously generate new health for target users in the distributed database of the blockchain integral.

The application-side node device for user characteristic values described in this embodiment may include insurance service-side equipment, such as equipment terminals of insurance companies; the application-side node device for application processing logic for user characteristic values may include target users Inquiries about the acquisition of health points, or the formulation of the target user’s insurance plan (including the customization of insurance premiums) based on the target user’s health points, etc.

At present, various companies in the insurance industry maintain their own insurance policies, leading to the formation of information islands in each insurance company for the customer’s insurance policies. When insurance companies assess customer risks and health conditions, there is a great protection risk. The technical solutions provided in this manual can greatly solve the problem of information barriers between insurance companies by using the credibility, immutability, and openness of the blockchain, and provide a customer for the insurance industry by calculating users’ health points The health-guaranteed credit information system of the company realizes the openness and transparency of information under the premise of protecting customer privacy.

Corresponding to the implementation of the above process, the embodiment of the present specification also provides a block chain-based user characteristic value obtaining device 40 and a block chain-based user characteristic value application device 50. The device 40 or 50 can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions into the memory by the CPU (Central Process Unit, central processing unit) of the device where it is located. From the perspective of hardware, in addition to the CPU, memory, and storage shown in Figure 6, the equipment where the network risk business implementation device is located usually includes other hardware such as chips for wireless signal transmission and reception, and/or Other hardware such as boards with network communication functions.

Fig. 4 shows a block chain-based user characteristic value obtaining device 40. The block chain includes multiple business behavior data provider node devices. The device 40 includes:

The obtaining unit 402 is configured to obtain a target transaction sent by a business behavior data provider node device, where the target transaction includes business behavior data generated by a target user;

The execution unit 404 is configured to call the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.

In another illustrated embodiment, the calculation logic for the user characteristic value declared by the first smart contract is a streaming calculation logic based on STORM.

In another embodiment shown, the business behavior data generated by the target user included in the target transaction is encrypted;

The first smart contract also declares a decryption logic for the business behavior data to decrypt the encrypted business behavior data, so as to calculate the characteristic value of the target user based on the business behavior data.

In another illustrated embodiment, the target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user.

In another illustrated embodiment, the user characteristic value is user health points to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device, or an insurance service provider One or more of equipment, or claims service provider equipment, or user health behavior parameter collection equipment.

In another illustrated embodiment, the blockchain is a consortium chain.

Fig. 5 shows a block chain-based user characteristic value application device 50, which is applied to the application side node equipment included in the block chain according to claim 1, and the device 50 includes:

The obtaining unit 502 is configured to obtain the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;

The execution unit 504 is configured to execute application processing logic on the characteristic value of the target user based on the characteristic value of the target user.

In another embodiment shown, the execution unit is further configured to:

Invoke a second smart contract for the application to process the characteristic value of the user, and execute the application processing logic for the characteristic value of the target user declared by the second smart contract.

In another illustrated embodiment, the user characteristic value is user health points to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device, or an insurance service provider One or more of equipment, or claims service provider equipment, or user health behavior parameter collection equipment; said application side node equipment for user characteristic values includes insurance service provider equipment;

The execution unit is further configured to execute the formulation of an insurance plan for the target user based on the user health points of the target user.

For the implementation process of the functions and roles of each unit in the foregoing devices 40 and 50, please refer to the implementation process of the corresponding steps in the foregoing method.

The device embodiments described above are merely illustrative. The units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical modules, that is, they may be located in One place, or it can be distributed to multiple network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.

The devices, units, and modules described in the foregoing embodiments may be specifically implemented by computer chips or entities, or implemented by products with certain functions. A typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or any combination of these devices.

Corresponding to the foregoing method embodiment, the embodiment of this specification also provides a computer device. As shown in FIG. 6, the computer device includes a memory and a processor. Wherein, the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, each step of the method for obtaining user characteristic values based on the blockchain in the embodiment of this specification is executed. Please refer to the previous content for a detailed description of each step of the method for obtaining user characteristic values based on the blockchain, and will not be repeated.

Corresponding to the foregoing method embodiment, the embodiment of this specification also provides a computer device. As shown in FIG. 6, the computer device includes a memory and a processor. Wherein, the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, each step of the blockchain-based user characteristic value application method in the embodiment of this specification is executed. Please refer to the previous content for a detailed description of each step of the blockchain-based user characteristic value application method, and will not be repeated.

The above descriptions are only the preferred embodiments of this specification, and are not intended to limit this specification. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of this specification shall be included in this specification Within the scope of protection.

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

The memory may include non-permanent 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 computer-readable media.

Computer-readable media, including permanent and non-permanent, removable and non-removable media, can store information by any method or technology. The information can be computer-readable instructions, data structures, program modules, 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 technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. As defined in this article, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.

It should also be noted that the terms "include", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, product or equipment including a series of elements includes not only those elements, but also Other elements that are not explicitly listed, or also include elements inherent to such processes, methods, commodities, or equipment. If there are no more restrictions, the element defined by the sentence "including a..." does not exclude the existence of other identical elements in the process, method, commodity, or equipment that includes the element.

Those skilled in the art should understand that the embodiments of the present specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification can be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. .

Claims

A method for acquiring user characteristic values based on a blockchain, the blockchain including multiple business behavior data provider node devices, and the method includes:

Acquiring a target transaction sent by a node device of a business behavior data provider, where the target transaction includes business behavior data generated by a target user;

The first smart contract is called, the calculation logic of the user characteristic value declared by the first smart contract is executed, and the characteristic value of the target user is calculated based on the business behavior data generated by the target user.
The method according to claim 1, wherein the calculation logic for the user characteristic value declared by the first smart contract is a streaming calculation logic based on STORM.
The method according to claim 1 or 2, wherein the business behavior data generated by the target user included in the target transaction is encrypted;

The first smart contract also declares a decryption logic for the business behavior data to decrypt the encrypted business behavior data, so as to calculate the characteristic value of the target user based on the business behavior data.
The method according to claim 1 or 2, wherein the target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user.
The method according to claim 1, wherein the user characteristic value is a user health score to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device or an insurance service provider device , Or one or more of the equipment of the claims service provider, or the user's health behavior parameter collection equipment.
The method according to claim 1, wherein the blockchain is a consortium chain.
An application method based on the user characteristic value according to claim 1, applied to the application side node device included in the blockchain according to claim 1, and the method includes:

Obtaining, by the application side node device, the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;

Based on the characteristic value of the target user, execute application processing logic to the characteristic value of the target user.
The method according to claim 7, wherein the executing application processing logic on the characteristic value of the target user based on the characteristic value of the target user comprises:

The second smart contract is called to execute the application processing logic of the characteristic value of the target user declared by the second smart contract.
The method according to claim 7, wherein the user characteristic value is user health points to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device or an insurance service provider device , Or one or more of claims service provider equipment or user health behavior parameter collection equipment; said application side node equipment for user characteristic values includes insurance service provider equipment;

The execution of the application processing logic of the user characteristic value based on the characteristic value of the target user includes: executing an insurance plan for the target user based on the user health points of the target user.
A block chain-based user characteristic value acquisition device, the block chain includes multiple business behavior data provider node devices, and the device includes:

An acquiring unit, configured to acquire a target transaction sent by a business behavior data provider node device, the target transaction including business behavior data generated by a target user;

The execution unit is configured to call the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.
The device according to claim 10, wherein the calculation logic for the user characteristic value declared by the first smart contract is a streaming calculation logic based on STORM.
The device according to claim 10 or 11, wherein the business behavior data generated by the target user included in the target transaction is encrypted;

The first smart contract also declares a decryption logic for the business behavior data to decrypt the encrypted business behavior data, so as to calculate the characteristic value of the target user based on the business behavior data.
The device according to claim 10 or 11, the target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user.
The device according to claim 10, wherein the user characteristic value is a user health score to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device or an insurance service provider device , Or one or more of the equipment of the claims service provider, or the user's health behavior parameter collection equipment.
The device according to claim 10, wherein the blockchain is a consortium chain.
An application device based on the user characteristic value according to claim 1, applied to the application side node equipment included in the blockchain according to claim 1, said device comprising:

An obtaining unit, configured to obtain the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;

The execution unit is configured to execute application processing logic for the characteristic value of the target user based on the characteristic value of the target user.
According to the device of claim 16, the execution unit is further configured to:

The second smart contract is called to execute the application processing logic of the characteristic value of the target user declared by the second smart contract.
The device according to claim 16, wherein the user characteristic value is a user health score to characterize the user's physical health status; the business behavior data provider node device includes: a medical health service provider device or an insurance service provider device , Or one or more of claims service provider equipment or user health behavior parameter collection equipment; said application side node equipment for user characteristic values includes insurance service provider equipment;

The execution unit is further configured to execute the formulation of an insurance plan for the target user based on the user health points of the target user.
A computer device, comprising: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes any one of claims 1 to 6 The method described.
A computer device, comprising: a memory and a processor; the memory stores a computer program that can be run by the processor; when the processor runs the computer program, the processor executes any one of claims 7 to 9 The method described.