WO2020211491A1 - 基于区块链的项目审核系统、方法、计算设备及存储介质 - Google Patents

基于区块链的项目审核系统、方法、计算设备及存储介质 Download PDF

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Publication number
WO2020211491A1
WO2020211491A1 PCT/CN2020/071869 CN2020071869W WO2020211491A1 WO 2020211491 A1 WO2020211491 A1 WO 2020211491A1 CN 2020071869 W CN2020071869 W CN 2020071869W WO 2020211491 A1 WO2020211491 A1 WO 2020211491A1
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Prior art keywords
project
user
smart contract
review
result
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PCT/CN2020/071869
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English (en)
French (fr)
Inventor
马随
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创新先进技术有限公司
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Priority to US16/876,038 priority Critical patent/US10922652B2/en
Publication of WO2020211491A1 publication Critical patent/WO2020211491A1/zh
Priority to US17/157,643 priority patent/US11157873B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/10—Protocols in which an application is distributed across nodes in the network
    • H04L67/1095—Replication or mirroring of data, e.g. scheduling or transport for data synchronisation between network nodes
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
    • H04L67/01—Protocols
    • H04L67/10—Protocols in which an application is distributed across nodes in the network
    • H04L67/1097—Protocols in which an application is distributed across nodes in the network for distributed storage of data in networks, e.g. transport arrangements for network file system [NFS], storage area networks [SAN] or network attached storage [NAS]
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures

Definitions

  • This manual relates to the field of Internet technology, and in particular to a blockchain-based project review system, method, computing device and storage medium.
  • Insurance underwriting is a process by which an insurance company reviews, approves, and selects risks for the insurance applicant’s application. After a user sends an insurance application to the insurance company, the insurance company needs to underwrite the user to achieve long-term underwriting profits.
  • the embodiments of this specification provide a blockchain-based project review system, method, computing device, and storage medium to solve the technical defects in the prior art.
  • a blockchain-based project review system including:
  • Request client business and at least one blockchain node
  • the request client is configured to send a project joining application to the business terminal, and the project joining application carries the user's identity identification information and target project identification information;
  • the business end is configured to receive the project joining application, determine the target project product information according to the target project identification information, and send to the blockchain node based on the user's identification information and the target project product information Project admission review application;
  • the blockchain node is configured to receive the project access review application, and when the first smart contract execution condition in the blockchain node is met, execute the project access review task, generate a corresponding review result, and The audit result is sent to the business end;
  • the service end is also configured to receive the audit result and send the audit result to the requesting client.
  • the blockchain-based project review system also includes: a third-party service platform;
  • the third-party service platform is configured to obtain the user's identification information and business data, and initiate a user level evaluation request to the blockchain node, and the user level evaluation request carries the user's identification information and business data .
  • the blockchain node is further configured to receive the user level evaluation request, execute the level evaluation task when the second smart contract execution condition of the blockchain node is satisfied, and generate a corresponding execution As a result, the level update of the user is completed based on the execution result.
  • the blockchain node is further configured to obtain the user identification information and business data in the user level evaluation request, and when the second smart contract execution condition of the blockchain node is met, the user level evaluation The rule automatically processes the business data of the user, and generates the level change result of the user, and completes the level update of the user according to the level change result of the user.
  • the blockchain node is further configured to obtain the user identification information and target project product information in the project admission review application, and the information contained in the target project product information meets the requirements of the blockchain
  • the node's first smart contract is executed under the conditions, the user's level is compared with the target project level according to the project admission review rules, the corresponding comparison result is generated, and the comparison result is sent to the business end.
  • the blockchain node is further configured to: obtain project access review rules, create the first smart contract according to the project access review rules; transmit the first smart contract signed with a private key Enter the blockchain network; verify the validity of the first smart contract that is passed into the blockchain network; when the validity verification of the first smart contract is successful, integrate the first smart contract into A hash block ID, and spread the hash block ID to the entire network.
  • the blockchain node is further configured to: obtain user business data, determine user level calculation rules according to the business data, create a second smart contract according to the user level calculation rules, and sign a private key
  • the second smart contract is transferred to the blockchain network; the validity of the second smart contract that is transferred to the blockchain network is verified; when the validity of the second smart contract is successfully verified, all
  • the second smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the blockchain node is also configured to monitor whether the state machines, things, and/or trigger conditions in the first smart contract and/or the second smart contract meet the preset execution conditions, if so, then The first smart contract and/or the second smart contract meet the execution conditions.
  • the blockchain-based project review system also includes: a server;
  • the business end is further configured to send a project acceptance request to the server if the review result is approved, and the project acceptance request carries the user's identification information and target project identification information;
  • the server end is configured to receive the project acceptance request, complete the acceptance of the user's target project according to the user's identity information and the target project's identity information, and send the acceptance result to the business end;
  • the service end is further configured to receive the acceptance result, and send a project acceptance success notification to the requesting client.
  • the business end is further configured to send a notification of project audit failure to the requesting client if the audit result is that the audit fails.
  • a blockchain-based project review method including:
  • the project access audit task is executed, the corresponding audit result is generated, and the audit result is sent to the business end.
  • the project admission review application before receiving the project admission review application, it also includes:
  • the level update of the user is completed based on the execution result.
  • executing the level evaluation task and generating the corresponding execution result includes:
  • the user's business data is automatically processed according to the user's grade evaluation rule, and the user's grade change result is generated.
  • executing the project access review task, and generating the corresponding review result includes:
  • the project admission review application before receiving the project admission review application, it also includes:
  • the first smart contract When the validity of the first smart contract is successfully verified, the first smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the method before receiving the user level evaluation request, the method further includes:
  • the second smart contract When the validity of the second smart contract is successfully verified, the second smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the project access review application after receiving the project access review application and before executing the project access review task, it also includes:
  • the first smart contract meets the execution condition.
  • a computing device including a memory, a processor, and computer instructions stored in the memory and executable on the processor.
  • the processor implements the The steps of a blockchain-based project review method.
  • a computer-readable storage medium which stores computer instructions that, when executed by a processor, implement the steps of the blockchain-based project review method.
  • the client is requested to send a project joining application to the business end;
  • the business end receives the project joining application, determines the target project product information according to the target project identification information, and based on the user's identity
  • the information and product information of the target project sends a project access review application to the blockchain node;
  • the blockchain node receives the project access review application, and executes the project when the first smart contract execution condition in the blockchain node is met.
  • Enter the audit task generate a corresponding audit result, and send the audit result to the service end;
  • the service end receives the audit result, and sends the audit result to the requesting client.
  • the project access review process is carried out on the blockchain node, ensuring the openness of the review process and improving the credibility of the review results, and the deployment of project access review rules is completed through the first smart contract, which ensures the project access review The stability of the system.
  • Figure 1 is a schematic diagram of a blockchain-based project review system provided by an embodiment of the application
  • Figure 2 is a structural block diagram of a computing device provided by an embodiment of the present application.
  • Figure 3 is a flowchart of a blockchain-based project review method provided by an embodiment of the present application.
  • FIG. 4 is a schematic diagram of interaction in an application scenario of an insurance project according to a blockchain-based project review method provided by an embodiment of the present application;
  • Fig. 5 is a flowchart of a user level evaluation process in a blockchain-based project review method provided by an embodiment of the application.
  • first, second, etc. may be used to describe various information in one or more embodiments of this specification, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • the first may also be referred to as the second, and similarly, the second may also be referred to as the first.
  • word “if” as used herein can be interpreted as "when” or “when” or “in response to certainty”.
  • Blockchain A new application model of computer technology such as distributed data storage, point-to-point transmission, consensus mechanism, and encryption algorithm.
  • Smart contract It is a computer agreement designed to spread, verify or execute a contract in an information-based way. Smart contracts allow trusted transactions without a third party, which are traceable and irreversible.
  • Insurance underwriting The process by which an insurance company reviews, approves, and selects risks for the applicant's application for insurance.
  • Figure 1 shows a schematic diagram of a blockchain-based project review system according to an embodiment of this specification, including:
  • the request client 102 is configured to send a project joining application to the service terminal, and the project joining application carries the user's identity identification information and target project identification information.
  • the business end 104 is configured to receive the project joining application, determine the target project product information according to the target project identification information, and send the target project product information to the blockchain node based on the user's identity identification information and the target project product information Send project access review application.
  • the blockchain node 106 is configured to receive the project access review application, and when the first smart contract execution condition in the blockchain node is met, execute the project access review task, generate a corresponding review result, and Send the audit result to the business end.
  • the service terminal 104 is further configured to receive the audit result and send the audit result to the requesting client.
  • it also includes: a third-party service platform
  • the third-party service platform is configured to obtain the user's identification information and business data, and initiate a user level evaluation request to the blockchain node, and the user level evaluation request carries the user's identification information and business data .
  • the blockchain node is further configured to receive the user level evaluation request, and when the second smart contract execution condition of the blockchain node is met, execute the level evaluation task, and generate According to the corresponding execution result, the level update of the user is completed based on the execution result.
  • the blockchain node is further configured to obtain the user identification information and business data in the user level evaluation request, and when the second smart contract execution condition of the blockchain node is satisfied, according to The user grade evaluation rule automatically processes the user's business data, generates the user's grade change result, and completes the user grade update according to the user's grade change result.
  • the blockchain node is further configured to obtain the user identification information and target project product information in the project admission review application, and the information contained in the target project product information satisfies the
  • the user's level is compared with the target project level according to the project access review rules, the corresponding comparison result is generated, and the comparison result is sent to the business end.
  • the blockchain node is also configured to obtain project access review rules, and create the first smart contract according to the project access review rules; the first smart contract signed with a private key
  • the contract is transferred to the blockchain network; the validity of the first smart contract that is transferred to the blockchain network is verified; when the validity of the first smart contract is successfully verified, the first smart contract Integrate into a hash block ID, and spread the hash block ID to the entire network.
  • the blockchain node is also configured to obtain user business data, determine user level calculation rules based on the business data, and create a second smart contract based on the user level calculation rules, using the private key
  • the signed second smart contract is transferred to the blockchain network; the validity of the second smart contract transferred to the blockchain network is verified; when the validity of the second smart contract is successfully verified,
  • the second smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the blockchain node is also configured to monitor whether the state machine, things and/or trigger conditions in the first smart contract and/or the second smart contract meet the preset execution conditions, if so , The first smart contract and/or the second smart contract meet the execution conditions.
  • the blockchain-based project review system further includes: a server;
  • the business end is further configured to send a project acceptance request to the server if the review result is approved, and the project acceptance request carries the user's identification information and target project identification information;
  • the server end is configured to receive the project acceptance request, complete the acceptance of the user's target project according to the user's identity information and the target project's identity information, and send the acceptance result to the business end;
  • the service end is further configured to receive the acceptance result, and send a project acceptance success notification to the requesting client.
  • the business terminal is further configured to send a notification of project review failure to the requesting client if the review result is that the review fails.
  • the participation of multiple organizations in the project review ensures the comprehensiveness and accuracy of user data, improves the accuracy of the project review results, and improves the efficiency of the project review.
  • Fig. 2 shows a structural block diagram of a computing device 200 according to an embodiment of the present specification.
  • the components of the computing device 200 include but are not limited to a memory 210 and a processor 220.
  • the processor 220 and the memory 210 are connected through a bus 230, and the database 250 is used to store data.
  • the computing device 200 also includes an access device 240 that enables the computing device 200 to communicate via one or more networks 260.
  • networks include public switched telephone network (PSTN), local area network (LAN), wide area network (WAN), personal area network (PAN), or a combination of communication networks such as the Internet.
  • the access device 240 may include one or more of any type of wired or wireless network interface (for example, a network interface card (NIC)), such as IEEE802.11 wireless local area network (WLAN) wireless interface, global interconnection for microwave access ( Wi-MAX) interface, Ethernet interface, universal serial bus (USB) interface, cellular network interface, Bluetooth interface, near field communication (NFC) interface, etc.
  • NIC network interface card
  • the aforementioned components of the computing device 200 and other components not shown in FIG. 2 may also be connected to each other, for example, via a bus. It should be understood that the structural block diagram of the computing device shown in FIG. 2 is only for the purpose of example, and is not a limitation on the scope of this specification. Those skilled in the art can add or replace other components as needed.
  • the computing device 200 can be any type of stationary or mobile computing device, including mobile computers or mobile computing devices (for example, tablet computers, personal digital assistants, laptop computers, notebook computers, netbooks, etc.), mobile phones (for example, smart phones). ), wearable computing devices (for example, smart watches, smart glasses, etc.) or other types of mobile devices, or stationary computing devices such as desktop computers or PCs.
  • the computing device 200 may also be a mobile or stationary server.
  • FIG. 3 shows a flowchart of a blockchain-based project review method according to an embodiment of the present specification, including steps 302 to 304.
  • Step 302 Receive a project access review application, where the project access review request carries the user's identification information and target project product information.
  • the user sends a project joining application to the business end, and the project joining application carries the user's identity identification information and target project identification information.
  • the business end determines the target project product information according to the target project identification information, and sends a project admission review application to the blockchain node based on the user's identity identification information and the target project product information.
  • Zhang San wants to buy health insurance type B of insurance company A and sends an insurance application to insurance company A. After insurance company A receives the insurance request, he obtains the product information of health insurance type B, including the amount of insurance and the coverage of diseases. Risk level and other information, and send this information and the user’s identity information to the blockchain node for underwriting.
  • the blockchain node before receiving a project access review application, the blockchain node needs to create a first smart contract.
  • the first smart contract is used to automatically perform the task of project access review, creating the first smart contract and Writing the first smart contract into the blockchain network can be specifically implemented by the following steps:
  • the first smart contract When the validity of the first smart contract is successfully verified, the first smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the project access review rules for different insurance types are different. Therefore, the first smart contract created contains the project access review rules for N types of insurance projects, where N is a positive integer .
  • N is a positive integer .
  • the insured amount of different types of insurance is positively related to the risk coefficient, while the overall insured amount of accident insurance is relatively high.
  • the coefficient is also relatively small.
  • the project access rule set is that the user level is above level 3 (the user level is the user’s credit level, credit The level is set to 1-10, the higher the level, the higher the credit, and the lower the risk probability).
  • the corresponding project review rules are obtained through the user's target project product information, and the user is underwritten according to the project review rules. Specifically, after receiving the project access review application and before automatically executing the project access review task, it is also necessary to monitor whether the state machine, things and/or trigger conditions in the first smart contract meet the preset execution conditions.
  • the execution condition of indicates that the first smart contract meets the automatic execution condition, and the underwriting operation for the user can be automatically executed.
  • Step 304 When the first smart contract execution condition in the blockchain node is met, execute the project admission review task, generate a corresponding review result, and send the review result to the business end.
  • the user identification information and target project product information in the project admission review application are obtained, and the information contained in the target project product information satisfies the first smart contract of the blockchain node
  • the user's level is compared with the target item level according to the project access review rules, and a corresponding comparison result is generated.
  • the entry rule for auto insurance C set in the first smart contract is that the user level is 3 and above. According to the above information
  • the user is audited for underwriting access. If the user's credit rating is 5, the audit result is passed, and if the user's credit rating is lower than 3, the audit result is failed.
  • a notification of the review result is sent to the business end, and then the business end sends a project acceptance request to the server.
  • the project acceptance request carries the user's identity identification information and the target project identification Information; the server receives the project acceptance request, completes the acceptance of the user’s target project according to the user’s identification information and the target project’s identification information, and sends the acceptance result to the business end; finally, the business end sends the The above requests the client to send a notification of successful project acceptance. If the audit fails, the business end directly sends an audit failure notification to the requesting client.
  • the blockchain node also needs to evaluate the user's level before receiving the project access review application.
  • the user level evaluation process can be implemented by the following steps:
  • the level update of the user is completed based on the execution result.
  • the second smart contract in the blockchain node is used to calculate the magnitude of the user level change, and when the second smart contract execution condition is met, it is evaluated according to the user level preset in the second smart contract
  • the rule automatically processes the user's business data and generates the result of the user's level change.
  • the third-party service platform sends a user level evaluation request to the blockchain node.
  • the user level evaluation request carries the user’s business data.
  • the business data That is, the consultation data.
  • the blockchain node automatically processes the consultation data according to the user grade rating rules preset in the second smart contract. The result generated is that the user’s grade is lowered by one level. The user's level is updated.
  • the method before receiving the user level evaluation request, the method further includes:
  • the second smart contract When the validity of the second smart contract is successfully verified, the second smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the user level calculation rule is determined based on business data, and the insurance item is still taken as an example. If the user has a hospital visit record, the user's credit level is lowered, and the specific credit level reduction rate is determined according to the medical record. Create a second smart contract according to the user level calculation rules, and write the second smart contract into the blockchain network.
  • the user level calculation rules are deployed on the blockchain network in the form of a second smart contract, which effectively guarantees the security, reliability and timeliness of user level data, and the project access review rules are set as the first
  • the smart contract is deployed in the blockchain network to ensure the authority and openness of the project review process in the blockchain network.
  • Multi-party organizations participate in the project access review process to ensure the comprehensiveness and accuracy of user data.
  • the results of the project access review increase credibility.
  • FIG. 4 shows an interactive schematic diagram of the project review method based on blockchain in an application scenario of an insurance project according to an embodiment of this specification, including steps 402 to 412.
  • Step 402 Request the client to send an insurance application to the insurance platform.
  • the user's identity identification information and target insurance identification information are carried in the insurance application. For example, if Little K wants to buy auto insurance D, then Little K requests the client to send the identification information of auto insurance D and Little K's identity information to the insurance platform for insurance.
  • Step 404 The insurance platform determines the target insurance product information.
  • Step 406 The insurance platform sends an underwriting application to the blockchain node.
  • the insurance platform After the insurance platform receives Xiao K’s application for insurance, it determines the product information of auto insurance D according to the identification information of auto insurance D, including the amount of insurance, coverage and risk factor, and combines the identification information of Xiao K with The product information of auto insurance D is sent to the blockchain node for underwriting.
  • Step 408 The blockchain node performs the underwriting task.
  • the blockchain node After the blockchain node receives the underwriting application, it obtains the identity information of the small K and the product information of the auto insurance D in the underwriting review application.
  • the first smart contract execution condition of the blockchain node is met, According to the underwriting rules, the user's level is compared with the level required for the insured auto insurance D, the corresponding comparison result is generated, and the comparison result is sent to the insurance platform.
  • the blockchain node before receiving an underwriting application, the blockchain node needs to create a first smart contract.
  • the first smart contract is used to automatically execute the underwriting task, creating a first smart contract and adding
  • the writing of smart contracts into the blockchain network can be implemented by the following steps:
  • the first smart contract When the validity of the first smart contract is successfully verified, the first smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the project access review rules for different insurance types in the insurance project are different. Therefore, the first smart contract created contains the project access review rules for N types of insurance projects, where N is a positive integer.
  • N is a positive integer.
  • the corresponding underwriting rules are obtained through the product information of the user's auto insurance D, and the underwriting operation is performed on the user according to the underwriting rules. Specifically, after receiving the underwriting application and before automatically executing the underwriting task, it is also necessary to monitor whether the state machine, things and/or trigger conditions in the first smart contract meet the preset execution conditions. If the preset execution conditions are met, It indicates that the first smart contract meets the automatic execution conditions, and the underwriting operation for the user can be automatically executed.
  • Step 410 The blockchain node sends the audit result to the insurance platform.
  • the insurance type that Xiao K has insured is auto insurance D
  • the insured amount is 50,000 yuan
  • the risk factor is 5.
  • the entry rule for auto insurance D set in the first smart contract is that the user level is 5 and above.
  • the above information underwrites Little K. If Little K’s credit rating is 6, the audit result is passed, and if the user’s credit rating is lower than 5, the audit result is failed.
  • Step 412 The insurance platform sends the audit result to the requesting client.
  • a notification of the review result will be sent to the insurance platform, and the insurance platform will then send an underwriting request to the insurance company.
  • the underwriting request carries the identity information of K and the identification of auto insurance D Information; the insurance company receives the underwriting request, completes the acceptance of the underwriting of Xiao K’s auto insurance D based on the identity information of Xiao K and the identification information of auto insurance D, and sends the acceptance result to the insurance platform; finally the insurance platform makes the request
  • the client sends a notification of successful acceptance of auto insurance D. If the audit fails, the insurance platform directly sends a notification of audit failure to the requesting client.
  • the project access review process is carried out on the blockchain node, which ensures the openness of the review process and improves the credibility of the review results, and completes the deployment of the project access review rules through the first smart contract , To ensure the stability of the project access review system.
  • the user level calculation rules are deployed on the blockchain network in the form of the second smart contract, which effectively guarantees the security, reliability and timeliness of user level data.
  • the project access review rules are deployed in the district in the form of the first smart contract.
  • the blockchain network ensures the authority and openness of the project review process in the blockchain network. Multi-party organizations participate in the project access review process, ensuring the comprehensiveness and accuracy of user data, and adding to the project access review results Credibility.
  • FIG. 5 shows a flowchart of a user level evaluation process in a blockchain-based project review method in an embodiment of this specification, including steps 502 to 506.
  • Step 502 Receive a user rating request.
  • the user's business data obtained by the bank is: Xiao Wang borrowed 50,000 yuan from Bank M in 2018, but failed to repay it as scheduled.
  • the third-party service platform sends the acquired business data of the user and the user's identity information to the blockchain node for user level evaluation.
  • Step 504 Execute the user level evaluation task.
  • the blockchain node receives the user rating request sent by the third-party service platform, and automatically executes the user rating task according to the smart contract. Before the blockchain node receives the user rating request, it also needs to create a second smart contract.
  • the process of creating the second smart contract and writing into the blockchain network can be implemented by the following steps:
  • the second smart contract When the validity of the second smart contract is successfully verified, the second smart contract is integrated into a hash block ID, and the hash block ID is spread to the entire network.
  • the user level calculation rules are determined according to business data, and the third-party service platform is still used as an example for the bank. If the user's business data is: Xiao Wang borrowed 50,000 yuan from Bank M in 2018, but did not repay as scheduled , The user’s credit rating needs to be reduced, and the specific credit rating reduction range is determined according to the specific content of the user’s business data. Create a second smart contract according to the user level calculation rules, and write the second smart contract into the blockchain network.
  • the user level evaluation process of blockchain nodes can be specifically implemented by the following steps:
  • the level update of the user is completed based on the execution result.
  • the second smart contract in the blockchain node is used to calculate the magnitude of the user level change, and when the second smart contract execution condition is met, it is evaluated according to the user level preset in the second smart contract
  • the rule automatically processes the user's business data and generates the user's level change result, and completes the user's level update based on the user's level change result.
  • Step 506 Update the user level according to the execution result.
  • the blockchain node is further configured to obtain the user identification information and business data in the user level evaluation request, and when the second smart contract execution condition of the blockchain node is satisfied, according to The user grade evaluation rule automatically processes the user's business data, generates the user's grade change result, and completes the user grade update according to the user's grade change result.
  • the user level calculation rules are deployed on the blockchain node in the form of a second smart contract. If the automatic execution conditions of the second smart contract are met, the user level evaluation task can be automatically executed, which effectively improves The efficiency of the user level evaluation process ensures the reliability of the user level evaluation system and also ensures the real-time update of the user level.
  • An embodiment of the present specification also provides a computing device, including a memory, a processor, and computer instructions stored on the memory and capable of running on the processor.
  • the processor implements the block-based The steps of the chain of project review methods.
  • An embodiment of the present application also provides a computer-readable storage medium that stores computer instructions that, when executed by a processor, implement the steps of the aforementioned blockchain-based project review method.
  • the computer instructions include computer program codes, and the computer program codes may be in the form of source code, object code, executable files, or some intermediate forms.
  • the computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, U disk, mobile hard disk, magnetic disk, optical disk, computer memory, read-only memory (ROM, Read-Only Memory) , Random Access Memory (RAM, Random Access Memory), electrical carrier signal, telecommunications signal, and software distribution media, etc. It should be noted that the content contained in the computer-readable medium can be appropriately added or deleted in accordance with the requirements of the legislation and patent practice in the jurisdiction. For example, in some jurisdictions, according to the legislation and patent practice, the computer-readable medium Does not include electrical carrier signals and telecommunication signals.

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Abstract

基于区块链的项目审核系统、方法、计算设备及存储介质，其中所述基于区块链的项目审核系统包括：请求客户端（102）、业务端（104）及至少一个区块链节点（106）；请求客户端（102）向业务端（104）发送项目加入申请；业务端（104）接收所述项目加入申请，根据所述目标项目标识信息确定所述目标项目产品信息，并基于所述用户的身份标识信息和目标项目产品信息向区块链节点（106）发送项目准入审核申请；区块链节点（106）接收所述项目准入审核申请，在满足区块链节点（106）中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端（104）；业务端（104）接收所述审核结果，并将所述审核结果发送至请求客户端（102）。

Description

基于区块链的项目审核系统、方法、计算设备及存储介质 技术领域
本说明书涉及互联网技术领域，特别涉及一种基于区块链的项目审核系统、方法、计算设备及存储介质。
背景技术
随着经济的不断发展，保险成为生活中的重要组成部分。保险核保是保险公司对投保人的投保申请进行审查、核定和选择风险的过程，当用户对保险公司发送投保申请后，保险公司需对用户进行核保，以实现长期的承保利润。
现有技术中，由于互联网的发展，众多保险公司在一定程度上实现了通过系统自动化核保，即预先设置核保规则，通过系统自动判断用户是否满足这一规则，但是由于互联网体系中不同角色的公司或组织掌握着用户不同领域的数据，保险公司要收集这些数据就需要耗费很长时间，并且也无法确保收集到的数据均为真实的未被篡改的数据，导致无法保证通过系统自动核保得到的核保结果十分准确。
发明内容
有鉴于此，本说明书实施例提供了一种基于区块链的项目审核系统、方法、计算设备及存储介质，以解决现有技术中存在的技术缺陷。
根据本说明书实施例的第一方面，提供了一种基于区块链的项目审核系统，包括：
请求客户端、业务端及至少一个区块链节点；
所述请求客户端，被配置为向业务端发送项目加入申请，所述项目加入申请中携带有用户的身份标识信息和目标项目标识信息；
所述业务端，被配置为接收所述项目加入申请，根据所述目标项目标识信息确定所述目标项目产品信息，并基于所述用户的身份标识信息和目标项目产品信息向区块链节点发送项目准入审核申请；
所述区块链节点，被配置为接收所述项目准入审核申请，在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端；
所述业务端，还被配置为接收所述审核结果，并将所述审核结果发送至请求客户端。
可选地，基于区块链的项目审核系统，还包括：第三方服务平台；
所述第三方服务平台，被配置为获取用户的身份标识信息和业务数据，向所述区块链节点发起用户等级评价请求，所述用户等级评价请求中携带有用户的身份标识信息和业务数据。
可选地，区块链节点，还被配置为接收所述用户等级评价请求，在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果，基于所述执行结果完成对所述用户的等级更新。
可选地，区块链节点进一步被配置为获取所述用户等级评价请求中的用户身份标识信息和业务数据，在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果，根据所述用户的等级变化结果完成对用户的等级更新。
可选地，区块链节点，进一步被配置为获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息，在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果，并将所述比较结果发送至业务端。
可选地，区块链节点，还被配置为：获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约；将用私钥签名的所述第一智能合约传入区块链网络中；对传入区块链网络中的所述第一智能合约进行有效性验证；当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，区块链节点，还被配置为：获取用户的业务数据，根据所述业务数据确定用户等级计算规则，根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；对传入区块链网络中的所述第二智能合约进行有效性验证；当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，区块链节点，还被配置为监控所述第一智能合约和/或第二智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则所述第一智能合约和/ 或第二智能合约达到执行条件。
可选地，基于区块链的项目审核系统，还包括：服务端；
所述业务端，还被配置为若所述审核结果为审核通过，则向所述服务端发送项目受理请求，所述项目受理请求中携带有用户的身份标识信息和目标项目标识信息；
所述服务端，被配置为接收所述项目受理请求，根据所述用户的身份标识信息和目标项目的身份标识信息完成对所述用户的目标项目受理，并将受理结果发送至业务端；
所述业务端，还被配置为接收所述受理结果，并向所述请求客户端发送项目受理成功通知。
可选地，业务端，还被配置为若所述审核结果为审核未通过，则向所述请求客户端发送项目审核失败的通知。
根据本说明书实施例的另一方面，提供了一种基于区块链的项目审核方法，包括：
接收项目准入审核申请，所述项目准入审核请求中携带有用户的身份标识信息和目标项目产品信息；
在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端。
可选地，接收项目准入审核申请之前，还包括：
接收所述用户等级评价请求；
在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果；
基于所述执行结果完成对所述用户的等级更新。
可选地，在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果包括：
获取所述用户等级评价请求中的用户身份标识信息和业务数据；
在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果。
可选地，在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果包括：
获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息；
在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果。
可选地，接收项目准入审核申请之前，还包括：
获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约；
将用私钥签名的所述第一智能合约传入区块链网络中；
对传入区块链网络中的所述第一智能合约进行有效性验证；
当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，接收所述用户等级评价请求之前，还包括：
获取用户的业务数据，根据所述业务数据确定用户等级计算规则；
根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；
对传入区块链网络中的所述第二智能合约进行有效性验证；
当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
可选地，接收项目准入审核申请之后，执行项目准入审核任务之前，还包括：
监控所述第一智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件；
若满足预设的执行条件，则所述第一智能合约达到执行条件。
根据本说明书实施例的另一方面，提供了一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，所述处理器执行所述指令时实现所述基于区块链的项目审核方法的步骤。
根据本说明书实施例的另一方面，提供了一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现所述基于区块链的项目审核方法的步骤。
本说明书实施例中，通过请求客户端向业务端发送项目加入申请；业务端接收所述项目加入申请，根据所述目标项目标识信息确定所述目标项目产品信息，并基于所述 用户的身份标识信息和目标项目产品信息向区块链节点发送项目准入审核申请；区块链节点接收所述项目准入审核申请，在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端；业务端接收所述审核结果，并将所述审核结果发送至请求客户端。项目准入审核过程在区块链节点进行，确保了审核过程的公开性并且提高了审核结果的可信度，并且通过第一智能合约完成项目准入审核规则的部署，保障了项目准入审核系统的稳定性。
附图说明
图1是本申请实施例提供的基于区块链的项目审核系统的示意图；
图2是本申请实施例提供的计算设备的结构框图；
图3是本申请实施例提供的基于区块链的项目审核方法的流程图；
图4是本申请实施例提供的基于区块链的项目审核方法在保险项目的应用场景中的交互示意图；
图5是本申请实施例提供的基于区块链的项目审核方法中用户等级评价过程的流程图。
具体实施方式
在下面的描述中阐述了很多具体细节以便于充分理解本申请。但是本申请能够以很多不同于在此描述的其它方式来实施，本领域技术人员可以在不违背本申请内涵的情况下做类似推广，因此本申请不受下面公开的具体实施的限制。
在本说明书一个或多个实施例中使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书一个或多个实施例。在本说明书一个或多个实施例和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本说明书一个或多个实施例中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书一个或多个实施例中可能采用术语第一、第二等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书一个或多个实施例范围的情况下，第一也可以被称为第二，类似地，第二也可以被称为第一。取决于语境，如在此所使用的词语“如果”可以被 解释成为“在……时”或“当……时”或“响应于确定”。
首先，对本发明一个或多个实施例涉及的名词术语进行解释。
区块链：分布式数据存储、点对点传输、共识机制、加密算法等计算机技术的新型应用模式。
智能合约：是一种旨在以信息化方式传播、验证或执行合同的计算机协议。智能合约允许在没有第三方的情况下进行可信交易，这些交易可追踪且不可逆转。
保险核保：保险公司对投保人的投保申请进行审查、核定和选择风险的过程。
核保人：保险人内部从事核保工作的专业人员。
在本申请中，提供了一种基于区块链的项目审核系统、方法、计算设备及存储介质，在下面的实施例中逐一进行详细说明。
图1示出了根据本说明书一实施例的基于区块链的项目审核系统的示意图，包括：
请求客户端102、业务端104及至少一个区块链节点106。
所述请求客户端102，被配置为向业务端发送项目加入申请，所述项目加入申请中携带有用户的身份标识信息和目标项目标识信息。
所述业务端104，被配置为接收所述项目加入申请，根据所述目标项目标识信息确定所述目标项目产品信息，并基于所述用户的身份标识信息和目标项目产品信息向区块链节点发送项目准入审核申请。
所述区块链节点106，被配置为接收所述项目准入审核申请，在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端。
所述业务端104，还被配置为接收所述审核结果，并将所述审核结果发送至请求客户端。
本说明书一实施例中，还包括：第三方服务平台；
所述第三方服务平台，被配置为获取用户的身份标识信息和业务数据，向所述区块链节点发起用户等级评价请求，所述用户等级评价请求中携带有用户的身份标识信息和业务数据。
本说明书一实施例中，区块链节点，还被配置为接收所述用户等级评价请求，在 满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果，基于所述执行结果完成对所述用户的等级更新。
本说明书一实施例中，区块链节点进一步被配置为获取所述用户等级评价请求中的用户身份标识信息和业务数据，在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果，根据所述用户的等级变化结果完成对用户的等级更新。
本说明书一实施例中，区块链节点，进一步被配置为获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息，在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果，并将所述比较结果发送至业务端。
本说明书一实施例中，区块链节点，还被配置为获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约；将用私钥签名的所述第一智能合约传入区块链网络中；对传入区块链网络中的所述第一智能合约进行有效性验证；当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，区块链节点，还被配置为获取用户的业务数据，根据所述业务数据确定用户等级计算规则，根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；对传入区块链网络中的所述第二智能合约进行有效性验证；当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，区块链节点，还被配置为监控所述第一智能合约和/或第二智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则所述第一智能合约和/或第二智能合约达到执行条件。
本说明书一实施例中，基于区块链的项目审核系统，还包括：服务端；
所述业务端，还被配置为若所述审核结果为审核通过，则向所述服务端发送项目受理请求，所述项目受理请求中携带有用户的身份标识信息和目标项目标识信息；
所述服务端，被配置为接收所述项目受理请求，根据所述用户的身份标识信息和目标项目的身份标识信息完成对所述用户的目标项目受理，并将受理结果发送至业务端；
所述业务端，还被配置为接收所述受理结果，并向所述请求客户端发送项目受理 成功通知。
本说明书一实施例中，业务端，还被配置为若所述审核结果为审核未通过，则向所述请求客户端发送项目审核失败的通知。
本说明书一实施例中，通过多方机构参与项目审核，保证了用户数据的全面性以及准确性，提高项目审核结果的准确性，同时提高乐项目审核的效率。
图2示出了根据本说明书一实施例的计算设备200的结构框图。该计算设备200的部件包括但不限于存储器210和处理器220。处理器220与存储器210通过总线230相连接，数据库250用于保存数据。
计算设备200还包括接入设备240，接入设备240使得计算设备200能够经由一个或多个网络260通信。这些网络的示例包括公用交换电话网(PSTN)、局域网(LAN)、广域网(WAN)、个域网(PAN)或诸如因特网的通信网络的组合。接入设备240可以包括有线或无线的任何类型的网络接口(例如，网络接口卡(NIC))中的一个或多个，诸如IEEE802.11无线局域网(WLAN)无线接口、全球微波互联接入(Wi-MAX)接口、以太网接口、通用串行总线(USB)接口、蜂窝网络接口、蓝牙接口、近场通信(NFC)接口，等等。
在本说明书的一个实施例中，计算设备200的上述部件以及图2中未示出的其他部件也可以彼此相连接，例如通过总线。应当理解，图2所示的计算设备结构框图仅仅是出于示例的目的，而不是对本说明书范围的限制。本领域技术人员可以根据需要，增添或替换其他部件。
计算设备200可以是任何类型的静止或移动计算设备，包括移动计算机或移动计算设备(例如，平板计算机、个人数字助理、膝上型计算机、笔记本计算机、上网本等)、移动电话(例如，智能手机)、可佩戴的计算设备(例如，智能手表、智能眼镜等)或其他类型的移动设备，或者诸如台式计算机或PC的静止计算设备。计算设备200还可以是移动式或静止式的服务器。
其中，处理器220可以执行图3所示基于区块链的项目审核方法中的步骤。图3示出了根据本说明书一实施例的基于区块链的项目审核方法的流程图，包括步骤302至步骤304。
步骤302：接收项目准入审核申请，所述项目准入审核请求中携带有用户的身份标识信息和目标项目产品信息。
本说明书一实施例中，由用户向业务端发送项目加入申请，所述项目加入申请中携带有用户的身份标识信息以及目标项目标识信息。业务端接收所述项目加入申请后，根据目标项目标识信息确定目标项目产品信息，并基于所述用户的身份标识信息及目标项目产品信息向区块链节点发送项目准入审核申请。
以保险为例，张三要买保险公司A的健康险种B，向保险公司A发送投保申请，保险公司A收到投保请求后，获取健康险种B的产品信息，包括保额，所保疾病范围，风险等级等信息，并将这些信息以及用户的身份标识信息发送至区块链节点进行核保。
本说明书一实施例中，接收项目准入审核申请之前，区块链节点需先创建第一智能合约，所述第一智能合约用于自动执行项目准入审核的任务，创建第一智能合约并将所述第一智能合约写入区块链网络具体可由以下步骤实现：
获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约；
将用私钥签名的所述第一智能合约传入区块链网络中；
对传入区块链网络中的所述第一智能合约进行有效性验证；
当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，以保险项目为例，不同险种的项目准入审核规则不同，因此，创建的第一智能合约中包含N种保险项目的项目准入审核规则，其中，N为正整数。保险项目中，不同险种的保额与承保的风险系数存在差别，例如，健康险的保额与风险系数成正相关，而意外险的保额整体相对较高，实际出险的概率极小，因此风险系数也相对较小。在确定项目准入审核规则时，需根据实际的险种确定该险种的风险系数，并根据风险系数确定与该险种对应的项目准入审核规则，例如，若用户投保的险种为车险C，保额为20000元，风险系数为3(风险系数1-10，系数越大，表示承保风险越大)，则设置的项目准入规则为用户等级在3级以上(用户等级为用户的信用等级，信用等级设为1-10，等级越高，则信用度越高，出险概率越小)。
在项目审核过程中，通过用户的目标项目产品信息获取与之对应的项目审核规则，并根据所述项目审核规则对所述用户进行核保操作。具体地，接收项目准入审核申请之后，自动执行项目准入审核任务之前，还需监控第一智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若满足预设的执行条件，则表明所述第一智能合约达到自动执行条件，可自动执行对所述用户的核保操作。
步骤304：在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端。
本说明书一实施例中，获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息，在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果。以车险为例，若用户投保的险种为车险C，保额为20000元，风险系数为3，第一智能合约中设置的车险C的项目准入规则为用户等级在3及以上，根据以上信息对用户进行核保准入审核，若用户的信用等级为5级，则审核结果为审核通过，若用户的信用等级低于3级，则审核结果为审核失败。
本说明书一实施例中，若审核通过，则向业务端发送审核通过结果通知，再由业务端向服务端发送项目受理请求，所述项目受理请求中携带有用户的身份标识信息和目标项目标识信息；服务端接收所述项目受理请求，根据所述用户的身份标识信息和目标项目的标识信息完成对所述用户的目标项目受理，并将受理结果发送至业务端；最后由业务端向所述请求客户端发送项目受理成功通知。若审核失败，则直接由业务端向请求客户端发送审核失败通知。
本说明书一实施例中，区块链节点在接收项目准入审核申请之前，还需要对用户的等级进行评价，用户等级评价过程具体可由以下步骤实现：
接收所述用户等级评价请求；
在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果；
基于所述执行结果完成对所述用户的等级更新。
本说明书一实施例中，区块链节点中的第二智能合约用于计算用户等级的变化幅度，在满足所述第二智能合约执行条件时，根据第二智能合约中预设的用户等级评价规则自动对用户的业务数据进行处理，并生成所述用户的等级变化结果。
第三方服务平台向区块链节点发送用户等级评价请求，用户等级评价请求中携带有用户的业务数据，仍以保险项目为例，假设所述第三方服务平台为医疗机构，则所述业务数据即为就诊数据，区块链节点根据第二智能合约中预设的用户等级评级规则自动对所述就诊数据进行处理，生成的结果为用户的等级降低一级，基于所述结果完成对所述用户的等级更新。
本说明书一实施例中，接收所述用户等级评价请求之前，还包括：
获取用户的业务数据，根据所述业务数据确定用户等级计算规则；
根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；
对传入区块链网络中的所述第二智能合约进行有效性验证；
当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，根据业务数据确定用户等级计算规则，仍以保险项目为例，若用户有医院就诊记录，则降低用户的信用等级，具体的信用等级降低幅度根据就诊记录确定。根据用户等级计算规则创建第二智能合约，并将所述第二智能合约写入区块链网络。
本说明书一实施例中，用户等级计算规则以第二智能合约的形式部署在区块链网络，有效保障了用户等级数据的安全性、可靠性和时效性，将项目准入审核规则以第一智能合约的形式部署在区块链网络，保证了项目审核过程在区块链网络中的权威性以及公开性，多方机构参与项目准入审核过程，保证了用户数据的全面性以及准确性，为项目准入审核结果增加了可信度。
图4示出了本说明书一实施例的基于区块链的项目审核方法在保险项目的应用场景中的交互示意图，包括步骤402至步骤412。
步骤402：请求客户端向保险平台发送投保申请。
本说明书一实施例中，所述投保申请中携带有用户的身份标识信息和目标险种标识信息。例如，小K要买车险D，则小K通过请求客户端将车险D的标识信息及小K的身份信息发送至保险平台进行投保。
步骤404：保险平台确定目标险种产品信息。
步骤406：保险平台向区块链节点发送核保申请。
本说明书一实施例中，保险平台接收小K的投保申请后，根据车险D的标识信息确定车险D的产品信息，包括保额，所保范围以及风险系数，并将小K的身份标识信息和车险D的产品信息发送至区块链节点进行核保。
步骤408：区块链节点执行核保任务。
本说明书一实施例中，区块链节点接收核保申请后，获取核保审核申请中小K的身份标识信息和车险D的产品信息，在满足区块链节点的第一智能合约执行条件时，根据核保规则对所述用户的等级与投保车险D所需等级进行比较，生成对应的比较结果，并将所述比较结果发送至保险平台。
本说明书一实施例中，接收核保申请之前，区块链节点需先创建第一智能合约，所述第一智能合约用于自动执行核保任务，创建第一智能合约并将所述第一智能合约写入区块链网络具体可由以下步骤实现：
获取各险种的核保规则，根据所述各险种的核保规则创建所述第一智能合约；
将用私钥签名的所述第一智能合约传入区块链网络中；
对传入区块链网络中的所述第一智能合约进行有效性验证；
当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，保险项目中不同险种的项目准入审核规则不同，因此，创建的第一智能合约中包含N种保险项目的项目准入审核规则，其中，N为正整数。除此之外，不同险种的保额与承保的风险系数存在差别，例如，健康险的保额与风险系数成正相关，而意外险的保额整体相对较高，而实际出险的概率极小，因此风险系数也相对较小。在确定核保规则时，需根据实际的险种确定该险种的风险系数，并根据风险系数确定与该险种对应的核保规则。
在核保过程中，通过用户的车险D的产品信息获取与之对应的核保规则，并根据所述核保规则对所述用户进行核保操作。具体地，接收核保申请之后，自动执行核保任务之前，还需监控第一智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若满足预设的执行条件，则表明所述第一智能合约达到自动执行条件，可自动执行对所述用户的核保操作。
步骤410：区块链节点将审核结果发送至保险平台。
本说明书一实施例中，小K投保的险种为车险D，保额为50000元，风险系数为5，第一智能合约中设置的车险D的项目准入规则为用户等级在5及以上，根据以上信息对小K进行核保，若小K的信用等级为6级，则审核结果为审核通过，若用户的信用等级低于5级，则审核结果为审核失败。
步骤412：保险平台将审核结果发送至请求客户端。
本说明书一实施例中，若审核通过，则向保险平台发送审核通过结果通知，再由保险平台向保险公司发送承保请求，所述承保请求中携带有小K的身份标识信息和车险D的标识信息；保险公司接收所述承保请求，根据小K的身份标识信息和车险D的标识信息完成对小K的车险D承保受理，并将受理结果发送至保险平台；最后由保险平台向所述请求客户端发送车险D受理成功通知。若审核失败，则直接由保险平台向请求客户端发送审核失败通知。
本说明书一实施例中，项目准入审核过程在区块链节点进行，确保了审核过程的公开性并且提高了审核结果的可信度，并且通过第一智能合约完成项目准入审核规则的部署，保障了项目准入审核系统的稳定性。
用户等级计算规则以第二智能合约的形式部署在区块链网络，有效保障了用户等级数据的安全性、可靠性和时效性，将项目准入审核规则以第一智能合约的形式部署在区块链网络，保证了项目审核过程在区块链网络中的权威性以及公开性，多方机构参与项目准入审核过程，保证了用户数据的全面性以及准确性，为项目准入审核结果增加了可信度。
图5示出了本说明书一实施例的基于区块链的项目审核方法中用户等级评价过程的流程图，包括步骤502至步骤506。
步骤502：接收用户等级评价请求。
本说明书一实施例中，以第三方服务平台为银行为例，银行获取到的用户的业务数据为：小王于2018年向M银行贷款5万元，未如期偿还。
本说明书一实施例中，第三方服务平台将获取的所述用户的业务数据以及用户的身份标识信息发送至区块链节点进行用户等级评价。
步骤504：执行用户等级评价任务。
本说明书一实施例中，区块链节点接收第三方服务平台发送的用户等级评价请求，并根据智能和约自动执行用户等级评价任务。区块链节点在接收用户等级评级请求之前，还需创建第二智能合约，所述第二智能合约的创建以及写入区块链网络的过程具体可由以下步骤实现：
获取用户的业务数据，根据所述业务数据确定用户等级计算规则；
根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；
对传入区块链网络中的所述第二智能合约进行有效性验证；
当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
本说明书一实施例中，根据业务数据确定用户等级计算规则，仍以第三方服务平台为银行为例，若用户的业务数据为：小王于2018年向M银行贷款5万元，未如期偿还，则需降低用户的信用等级，具体的信用等级降低幅度根据用户的业务数据的具体内容确定。根据用户等级计算规则创建第二智能合约，并将所述第二智能合约写入区块链网络。
本说明书一实施例中，区块链节点的用户等级评价过程具体可由以下步骤实现：
接收所述用户等级评价请求；
在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果；
基于所述执行结果完成对所述用户的等级更新。
本说明书一实施例中，区块链节点中的第二智能合约用于计算用户等级的变化幅度，在满足所述第二智能合约执行条件时，根据第二智能合约中预设的用户等级评价规则自动对用户的业务数据进行处理，并生成所述用户的等级变化结果，基于所述用户的等级变化结果完成对所述用户的等级更新。
步骤506：根据执行结果更新用户等级。
本说明书一实施例中，区块链节点进一步被配置为获取所述用户等级评价请求中的用户身份标识信息和业务数据，在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果，根据所述用户的等级变化结果完成对用户的等级更新。
本说明书一实施例中，将用户等级计算规则以第二智能合约的形式部署在区块链节点，若满足第二智能合约的自动执行条件，则可自动执行用户等级评价任务，有效的提高了用户等级评价过程的效率，保证了用户等级评价系统的可靠性，同时也可保证用户等级更新的实时性。
本说明书一实施例中还提供一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，所述处理器执行所述指令时实现所述的基于区块链的项目审核方法的步骤。
本申请一实施例还提供一种计算机可读存储介质，其存储有计算机指令，该指令被处理器执行时实现如前所述基于区块链的项目审核方法的步骤。
上述为本实施例的一种计算机可读存储介质的示意性方案。需要说明的是，该存储介质的技术方案与上述的基于区块链的项目审核方法的技术方案属于同一构思，存储介质的技术方案未详细描述的细节内容，均可以参见上述基于区块链的项目审核方法的技术方案的描述。
上述对本说明书特定实施例进行了描述。其它实施例在所附权利要求书的范围内。在一些情况下，在权利要求书中记载的动作或步骤可以按照不同于实施例中的顺序来执行并且仍然可以实现期望的结果。另外，在附图中描绘的过程不一定要求示出的特定顺序或者连续顺序才能实现期望的结果。在某些实施方式中，多任务处理和并行处理也是可以的或者可能是有利的。
所述计算机指令包括计算机程序代码，所述计算机程序代码可以为源代码形式、对象代码形式、可执行文件或某些中间形式等。所述计算机可读介质可以包括：能够携带所述计算机程序代码的任何实体或装置、记录介质、U盘、移动硬盘、磁碟、光盘、计算机存储器、只读存储器(ROM，Read-Only Memory)、随机存取存储器(RAM，Random Access Memory)、电载波信号、电信信号以及软件分发介质等。需要说明的是，所述计算机可读介质包含的内容可以根据司法管辖区内立法和专利实践的要求进行适当的增减，例如在某些司法管辖区，根据立法和专利实践，计算机可读介质不包括电载波信号和电信信号。
需要说明的是，对于前述的各方法实施例，为了简便描述，故将其都表述为一系列的动作组合，但是本领域技术人员应该知悉，本申请并不受所描述的动作顺序的限制，因为依据本申请，某些步骤可以采用其它顺序或者同时进行。其次，本领域技术人员也应该知悉，说明书中所描述的实施例均属于优选实施例，所涉及的动作和模块并不一定都是本申请所必须的。
在上述实施例中，对各个实施例的描述都各有侧重，某个实施例中没有详述的部分，可以参见其它实施例的相关描述。
以上公开的本申请优选实施例只是用于帮助阐述本申请。可选实施例并没有详尽叙述所有的细节，也不限制该发明仅为所述的具体实施方式。显然，根据本说明书的内容，可作很多的修改和变化。本说明书选取并具体描述这些实施例，是为了更好地解释本申请的原理和实际应用，从而使所属技术领域技术人员能很好地理解和利用本申请。本申请仅受权利要求书及其全部范围和等效物的限制。

Claims (19)

  1. 一种基于区块链的项目审核系统，其特征在于，包括：
    请求客户端、业务端及至少一个区块链节点；
    所述请求客户端，被配置为向业务端发送项目加入申请，所述项目加入申请中携带有用户的身份标识信息和目标项目标识信息；
    所述业务端，被配置为接收所述项目加入申请，根据所述目标项目标识信息确定所述目标项目产品信息，并基于所述用户的身份标识信息和目标项目产品信息向区块链节点发送项目准入审核申请；
    所述区块链节点，被配置为接收所述项目准入审核申请，在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端；
    所述业务端，还被配置为接收所述审核结果，并将所述审核结果发送至请求客户端。
  2. 如权利要求1所述的系统，其特征在于，还包括：第三方服务平台；
    所述第三方服务平台，被配置为获取用户的身份标识信息和业务数据，向所述区块链节点发起用户等级评价请求，所述用户等级评价请求中携带有用户的身份标识信息和业务数据。
  3. 如权利要求1所述的系统，其特征在于，所述区块链节点，还被配置为接收所述用户等级评价请求，在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果，基于所述执行结果完成对所述用户的等级更新。
  4. 如权利要求3所述的系统，其特征在于，所述区块链节点还被配置为获取所述用户等级评价请求中的用户身份标识信息和业务数据，在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果，根据所述用户的等级变化结果完成对用户的等级更新。
  5. 如权利要求1所述的系统，其特征在于，所述区块链节点，还被配置为获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息，在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果，并将所述比较结果发送至业务端。
  6. 如权利要求1所述的系统，其特征在于，所述区块链节点，还被配置为：获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约； 将用私钥签名的所述第一智能合约传入区块链网络中；对传入区块链网络中的所述第一智能合约进行有效性验证；当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
  7. 如权利要求1所述的系统，其特征在于，所述区块链节点，还被配置为：获取用户的业务数据，根据所述业务数据确定用户等级计算规则，根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；对传入区块链网络中的所述第二智能合约进行有效性验证；当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
  8. 如权利要求6或7所述的系统，其特征在于，所述区块链节点，还被配置为监控所述第一智能合约和/或第二智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件，若是，则所述第一智能合约和/或第二智能合约达到执行条件。
  9. 如权利要求1所述的系统，其特征在于，还包括：服务端；
    所述业务端，还被配置为若所述审核结果为审核通过，则向所述服务端发送项目受理请求，所述项目受理请求中携带有用户的身份标识信息和目标项目标识信息；
    所述服务端，被配置为接收所述项目受理请求，根据所述用户的身份标识信息和目标项目的身份标识信息完成对所述用户的目标项目受理，并将受理结果发送至业务端；
    所述业务端，还被配置为接收所述受理结果，并向所述请求客户端发送项目受理成功通知。
  10. 如权利要求1所述的系统，其特征在于，所述业务端，还被配置为若所述审核结果为审核未通过，则向所述请求客户端发送项目审核失败的通知。
  11. 一种基于区块链的项目审核方法，其特征在于，应用于区块链节点，包括：
    接收项目准入审核申请，所述项目准入审核请求中携带有用户的身份标识信息和目标项目产品信息；
    在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果，并将所述审核结果发送至业务端。
  12. 如权利要求11所述的方法，其特征在于，所述接收项目准入审核申请之前，还包括：
    接收所述用户等级评价请求；
    在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果；
    基于所述执行结果完成对所述用户的等级更新。
  13. 如权利要求12所述的方法，其特征在于，所述在满足所述区块链节点的第二智能合约执行条件时，执行所述等级评价任务，并生成对应的执行结果包括：
    获取所述用户等级评价请求中的用户身份标识信息和业务数据；
    在满足所述区块链节点的第二智能合约执行条件时，根据用户等级评价规则自动对所述用户的业务数据进行处理，并生成所述用户的等级变化结果。
  14. 如权利要求11所述的方法，其特征在于，所述在满足区块链节点中的第一智能合约执行条件时，执行项目准入审核任务，生成对应的审核结果包括：
    获取所述项目准入审核申请中的用户身份标识信息和目标项目产品信息；
    在所述目标项目产品信息中包含的信息满足所述区块链节点的第一智能合约执行条件时，根据项目准入审核规则对所述用户的等级与目标项目等级进行比较，生成对应的比较结果。
  15. 如权利要求11所述的方法，其特征在于，所述接收项目准入审核申请之前，还包括：
    获取项目准入审核规则，根据所述项目准入审核规则创建所述第一智能合约；
    将用私钥签名的所述第一智能合约传入区块链网络中；
    对传入区块链网络中的所述第一智能合约进行有效性验证；
    当所述第一智能合约的有效性验证成功后，将所述第一智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
  16. 如权利要求11所述的方法，其特征在于，所述接收所述用户等级评价请求之前，还包括：
    获取用户的业务数据，根据所述业务数据确定用户等级计算规则；
    根据所述用户等级计算规则创建第二智能合约，将用私钥签名的所述第二智能合约传入区块链网络中；
    对传入区块链网络中的所述第二智能合约进行有效性验证；
    当所述第二智能合约的有效性验证成功后，将所述第二智能合约集成为一个哈希区块ID，并将所述哈希区块ID扩散到全网。
  17. 如权利要求11所述的方法，其特征在于，所述接收项目准入审核申请之后，执行项目准入审核任务之前，还包括：
    监控所述第一智能合约中的状态机、事物和/或触发条件是否满足预设的执行条件；
    若满足预设的执行条件，则所述第一智能合约达到执行条件。
  18. 一种计算设备，包括存储器、处理器及存储在存储器上并可在处理器上运行的计算机指令，其特征在于，所述处理器执行所述指令时实现权利要求11-17任意一项所述方法的步骤。
  19. 一种计算机可读存储介质，其存储有计算机指令，其特征在于，该指令被处理器执行时实现权利要求11-17任意一项所述方法的步骤。
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