CN108764925A - A kind of synthesis business platform based on block chain technology - Google Patents
A kind of synthesis business platform based on block chain technology Download PDFInfo
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Abstract
The present invention relates to block chain technical applications, disclose a kind of synthesis business platform based on block chain technology.It creates through the invention, it can provide and a kind of synthesis business platform that various different business are carried out be realized based on block chain technology, one can be established, certification is realized based on main block chain, it is various particular transactions scenes being applicable in based on branch block chain and cover such as electric business business, lending and borrowing business, crowd raises business, insurance business, charter business, craft services business, certificate confirms business, assets deposit card business, article is traced to the source business, the comprehensive trans-sectoral state/transnational business platform of integration such as recruitment and job hunting business and/or love and marriage intermediate business, solve the problems, such as the fragmentation of current various businesses platform, save the operation cost of business platform, promote the ease of use of user.
Description
Technical field
The invention belongs to block chain technical applications, and in particular to a kind of integrated service based on block chain technology is flat
Platform.
Background technology
Block chain technology, abbreviation BT (Blockchain technology), is also referred to as distributed account book technology, is
A kind of internet database technology, its main feature is that it is decentralization, open and clear, allow everyone to each may participate in data-base recording.It is narrow
For justice, block chain is a kind of a kind of chained record for being sequentially in time combined into data block in such a way that sequence is connected
Structure, and the distributed account book that can not be distorted He can not forge ensured in a manner of cryptography.Broadly, block chain technology is
Verified and stored using block linked data structure data, using distributed node know together algorithm come generate and update the data, profit
Ensure the safety of data transmission and access with the mode of cryptography, compiled using the intelligent contract being made of automatized script code
A kind of completely new the distributed basis framework and calculation of journey and operation data.
The mainstream lateral configuration of current block chain, i.e., according to chain type processing " decentralization " degree can by block chain technology into
One step is divided into following three classes:Publicly-owned chain, privately owned chain and alliance's chain.The publicly-owned chain (Public blockchain) refers to complete
The world anyone can enter at any time in system read data, send can confirm transaction, competition book keeping operation block chain;It is publicly-owned
Chain is typically considered " complete decentralization ", because can control or distort wherein data without any personal or mechanism
Read-write;Publicly-owned chain generally can encourage participant to compete book keeping operation by token mechanism, to ensure the safety of data;Bit
Coin, ether mill are all typical publicly-owned chains.The privately owned chain (Private Blockchain) refers to that permission is written by some in it
The block chain of organisations and institutions' control, participating in the qualification of node can be strictly limited;It is that finite sum is controllable due to participating in node,
Therefore privately owned chain can often have the transactions velocity being exceedingly fast, better secret protection, lower transaction cost, be not easy by malice
Attack, and can accomplish that the financial industry such as authentication are required and require;Compared to centralization database, privately owned chain can prevent machine
Single node active concealment or altered data in structure, even if occurring to find source, therefore many Big Golds rapidly if mistake
Melt mechanism be more prone to use privately owned chain technology at present.Alliance's chain (Consortium Blockchain) refers to having
The block chain of the common participative management of several mechanisms, each mechanism run one or more nodes, and data therein only permit
Perhaps mechanism different in system is written and read and sends transaction, and records transaction data jointly.
It is, in general, that block catenary system is made of data Layer, network layer, common recognition layer, excitation layer, contract layer and application layer,
Wherein, data Layer encapsulates bottom data block and the technologies such as relevant data encryption and timestamp;Network layer includes then point
Cloth networking mechanism, data dissemination mechanism and data authentication mechanism etc.;All kinds of common recognitions of common recognition layer predominant package network node are calculated
Method;Economic factor is integrated into block chain technical system by excitation layer, main issuing mechanism and distribution including economic incentives
Mechanism etc.;All kinds of scripts of contract layer predominant package, algorithm and intelligent contract, are the bases of block chain programmable features;Application layer
Then encapsulate the various application scenarios and case of block chain.
In the problems that block chain is faced, intercommunity high degree limits answering for block chain between block chain
Use space.No matter from the point of view of publicly-owned chain or privately owned chain, across chain technology is exactly the key of realized value internet, it is area
The good medicine that block chain is saved out from the isolated island of dispersion is the bridge that block chain is expanded and connected outward.At present mainstream across chain
Technology (i.e. across chain agreement) includes:(1) notary's mechanism (Notary schemes);(2) side chain/relaying (Sidechains/
relays);(3) Hash locking (Hash-locking);(4) distributed private key controls (Distributed private key
control).Early stage, across chain technology included using Rui Bo and BTC Relay as representative, their more attentions are assets transfers;It is existing
Across chain technology is across chain infrastructure to represent more attention with Polkadot and Cosmos;Emerging FUSION is realized
Multiple Currencies intelligence contracts, are a kind of publicly-owned chains having very much application value, can generate abundant across chain finance on it and answer
With.
Existing situation is, first in terms of electric business, every country has an electric business of oneself substantially, between various countries mutually solely
It is vertical, it is also more household appliances manufacturers inside each state and deposits, fragmentation is extensive.Secondly, transaction is no longer only commodity transaction, and development in science and technology is arrived
Now, transaction has been a very extensive concept, but existing is:Various electric business are a kind of business platforms;Various businessmans couple
The lending and borrowing business of client or customer to customer etc. is another kind of platform;Also craft services business, such as education, doctor and massage are pressed
It rubs etc. and there are various independent business platforms, and each self-existent business platform repetitionization, fragmentation are serious.For example it borrows
Business platform is borrowed, a people can borrow in different lending and borrowing business platforms to more funds, increase risk management and control;For another example technical ability takes
Business business platform, one is called oneself outstanding technical ability supplier once being done well in a business platform, can be renamed at another
Platform continues to call oneself excellent service.Again, false evaluation is spread unchecked, and businessman can spend money on false favorable comment for favorable comment.No matter wanting
It seeks false evaluation and the user of false evaluation is provided, all without any supervision or punishment.In terms of also article is traced to the source, if someone
The raw material provided at the beginning is exactly fake and poor products, traces to the source process anyway, is as a result all fake and poor products.One-time consumption product trace back
Source, more will be based on the credit of seller.In addition, existing credit system mainly borrows or lends money class, it is mainly used in debt-credit field, it is practical
Property is narrow.
Invention content
It is a kind of based on block chain technology present invention aims at providing in order to solve the above problem of the existing technology
Synthesis business platform.
The technical solution adopted in the present invention is:
A kind of synthesis business platform based on block chain technology, including block main chain management module are suitable for not with several
With the block branch management module of business;
The block main chain management module is used for through across chain agreement from the secondth area corresponding with block branch management module
Business record data are obtained in block chain, and of business Party A and/or business Party B are then gone out according to the business record data analysis
People's collage-credit data finally uses block chain mode, the personal collage-credit data of acquisition is stored in the first block chain;
Access of the block branch management module for accept business before corresponding business confirms Party A or business Party B,
And personal collage-credit data that across chain agreement is obtained from the first block chain and for business other side is fed back through, then in corresponding industry
After business confirms, prefabricated intelligent contract is executed, the interacting activity between finishing service Party A and business Party B finally uses block
The business record data of generation are stored in corresponding second block chain by chain mode.
Optimization, further include transaction payment module;The transaction payment module is used in finishing service Party A and business second
During interacting activity between side, the funds transaction between business Party A and business Party B is realized.
Specifically, the correspondence business of the block branch management module includes electric business business, lending and borrowing business, crowd raise business,
Business that insurance business, charter business, craft services business, certificate confirmation business, assets deposit card business, article is traced to the source, recruitment are asked
Occupation business and/or love and marriage intermediate business.
Optimization, individual's collage-credit data is stored with mode classification;When block branch management module passes through across chain
When agreement obtains the personal collage-credit data of business other side from the first block chain, only license obtains and block branch management module pair
The required class individual collage-credit data for the business answered.Specifically, individual's collage-credit data carries out classification storage according to following classification:
Basic class, assets class, debt-credit class, electric business class, skill type and social class, wherein the basic class of personal collage-credit data includes
The personal collage-credit data of identification card number, name and/or work unit's information, the assets class includes movable property information, real estate letter
Breath and/or income prove information, it is described debt-credit class personal collage-credit data include credit card full amount, credit card amount,
The personal collage-credit data of secured credit loan ceiling and/or the overdue record information of history, the electric business class is remembered comprising historical trading
Record information and/or historical trading evaluation information, the personal collage-credit data of the skill type include history working record information and/or
The personal collage-credit data of working qualification's information, the social activity class includes that history social activity records information.
Optimization, the block main chain management module is additionally operable to verify mode visiting transaction first by public/private keys
Whether side or transaction Party B are legal, and are verifying the legal rear personal collage-credit data for permitting visitor to supplement one's own side.
Optimization, the block branch management module is additionally operable to verify mode visiting transaction first by public/private keys
Side or transaction Party B it is whether legal, and verify it is legal after license fed back through it is that across chain agreement is obtained from the first block chain and
For the personal collage-credit data of business other side.
It advanced optimizes, during the visiting transaction Party A of verification or whether legal transaction Party B, also passes through people
The legitimacy of face identification, Application on Voiceprint Recognition or fingerprint recognition mode authentication-access person.
Optimization, the first block chain is publicly-owned chain.
Optimization, the second block chain is the arbitrary of any one or them in publicly-owned chain, privately owned chain and alliance's chain
Combining form.
Beneficial effects of the present invention are:
The invention provides a kind of realizing that the integrated service that various different business are carried out is flat based on block chain technology
On the one hand platform is suitable for different business scene for storing the main block chain of personal collage-credit data by building with several
And the branch block chain for storing corresponding business record data, it can be ensured that the safety of personal collage-credit data and business record data
Property and can not tamper can not only be shared when carrying out each business on the other hand by existing across chain technology and be located at primary area
Personal collage-credit data in block chain can also obtain the business record data in branch block chain and realize the real-time of personal collage-credit data
Update realizes certification based on main block chain so as to establish one, is applicable in various particular transactions scenes based on branch block chain
And covers such as electric business business, lending and borrowing business, crowd and raise business, insurance business, charter business, craft services business, certificate confirmation
The comprehensive integration such as business, recruitment and job hunting business and/or love and marriage intermediate business that business, assets deposit card business, article is traced to the source
Trans-sectoral state/transnational business platform solves the problems, such as the fragmentation of current various businesses platform, saves the operation cost of business platform.
In addition it can not only realize that article deposits card at article anti-fake aspect of tracing to the source, but also person liable can be traced back to, be the occupation note of person liable
Voucher (i.e. personal collage-credit data) is recorded, in this way can be effectively anti-fake, and can realize that people, thing, the synthesis of object trace to the source anti-fake, promotion user
Trust and ease of use.
Description of the drawings
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, to embodiment or will show below
There is attached drawing needed in technology description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
Obtain other attached drawings according to these attached drawings.
Fig. 1 is the system structure diagram of synthesis business platform provided by the invention.
Specific implementation mode
Below in conjunction with the accompanying drawings and specific embodiment the present invention is further elaborated.It should be noted that for this
The explanation of a little way of example is used to help understand the present invention, but does not constitute limitation of the invention.
The terms "and/or", only a kind of incidence relation of description affiliated partner, indicates that there may be three kinds of passes
System, for example, A and/or B, can indicate:Individualism A, individualism B exist simultaneously tri- kinds of situations of A and B, the terms
"/and " it is another affiliated partner relationship of description, indicate may exist two kinds of relationships, for example, A/ and B, can indicate:Individually deposit
In A, two kinds of situations of individualism A and B, in addition, character "/" herein, it is a kind of "or" pass to typically represent forward-backward correlation object
System.
Embodiment one
As shown in Figure 1, the synthesis business platform based on block chain technology provided in this embodiment, including block main chain
Management module is suitable for the block branch management module of different business with several;
The block main chain management module is used for through across chain agreement from the secondth area corresponding with block branch management module
Business record data are obtained in block chain, and of business Party A and/or business Party B are then gone out according to the business record data analysis
People's collage-credit data finally uses block chain mode, the personal collage-credit data of acquisition is stored in the first block chain;
Access of the block branch management module for accept business before corresponding business confirms Party A or business Party B,
And personal collage-credit data that across chain agreement is obtained from the first block chain and for business other side is fed back through, then in corresponding industry
After business confirms, prefabricated intelligent contract is executed, the interacting activity between finishing service Party A and business Party B finally uses block
The business record data of generation are stored in corresponding second block chain by chain mode.
As shown in Figure 1, in the system structure of the synthesis business platform, the block main chain management module is used to use
Family builds a big data reference archives, i.e., first goes out business first from business record data analysis using existing big data analysis method
The personal collage-credit data (i.e. personal can credit evidence/credential information) of side and/or business Party B, then utilize firstth area
Block chain (i.e. main block chain) preserves perhaps sharable personal collage-credit data, such as ID card information, society in a manner of " decentralization "
Card information, credit grade information and generated history service evaluation/score information etc. in various businesses activity are protected, this is a few
People's collage-credit data can know when carrying out follow-up other business by business both sides (business Party A and business Party B), into
And credit reference value can be provided, reduce the risk of business both sides.Further, since need to provide shared service, optimization, institute
It is preferably publicly-owned chain to state the first block chain.
The block branch management module be used for as be suitable for various specific business scenarios business function module, so as to
Support business both sides complete corresponding business activity, such as electric business business, lending and borrowing business and recruitment and job hunting business etc., and utilize institute
State the business record data that the second block chain (i.e. branch block chain) preserves generation in a manner of " decentralization ", such as historical trading note
Record information, history refunds and records information, historical trading evaluation/score information and history social activity record information etc..Specifically,
The correspondence business of the block branch management module can be, but not limited to include that electric business business, lending and borrowing business, crowd raise business, insurance
Business, charter business, craft services business, certificate confirmation business, assets deposit card business, article is traced to the source business, recruitment and job hunting industry
The business such as business and/or love and marriage intermediate business.Citing, when loaning bill side (i.e. business Party A) and contribution side (i.e. business Party B) will utilize
When this synthesis business platform completes lending and borrowing business, before lending and borrowing business confirmation, the block of the corresponding lending and borrowing business of access can be passed through
Branch management module, feedback obtain the personal credit data of business other side, for example, contribution can know loaning bill side movable property information,
Real estate information, income prove information, credit card full amount, credit card amount, secured credit loan ceiling and/or history
Overdue record information etc., insurance thus can be provided according to these feedback informations borrows amount and loan interest;And loaning bill side
Can know contribution side loan qualification information and history loan transaction evaluation information (for example whether there is violence that money equal difference is urged to comment note
Record information) etc..If lending and borrowing business both sides can reach debt-credit intention, that is, judge that business confirms, then formally executes prefabricated
And it about the intelligent contract of loan transaction flow, completes signing, beat the procedure links such as money and refund, while will be in these flow rings
The history loan transaction record data that section generates are stored in the corresponding second block chain.It in addition can also be by similar
Mode complete mortgage loan business, electric business business, crowd raise business, insurance business, charter business, craft services business, certificate
Confirmation business, assets deposit card business, article the is traced to the source business such as business, recruitment and job hunting business and/or love and marriage intermediate business, Jin Erke
Risk of the reduction business both sides in these business activities ensures the interests of business both sides.In addition, the second block chain can be with
But any one in being not limited to publicly-owned chain, privately owned chain and alliance's chain etc. or their any combination.
Synthesis business platform provided in this embodiment can be, but not limited to for borrowing or lending money, electric business, organic agriculture, cultivation, use
The industries such as service, lease, marriage intermediary and social activity, on the one hand the history service activation record information at family can be used to obtain between family
It records, on the other hand can also obtain sharing by analyzing history service activation record information comprehensively and really
Personal reference information, such as existing big data analysis is carried out to history service activation record information, is business Party A or industry
Business Party B build one's credit model and for business other side carry out credit scoring, if there is user's false evaluation, businessman sells fake products or
Situations such as borrowing money not also, will all influence credit scoring, to easily be ignored by other users in this platform, influence its sale and borrow
The participation of various social activitieies such as borrow, and the high people of credit will obtain various incomes and facility.
Optimization, as shown in Figure 1, further including transaction payment module;The transaction payment module is used in finishing service first
During interacting activity between side and business Party B, the funds transaction between business Party A and business Party B is realized.
Optimization, in the first block chain, individual's collage-credit data is preferably stored with mode classification;Work as area
When block branch management module obtains the personal collage-credit data of business other side by across chain agreement from the first block chain, only license obtains
Take the required class individual collage-credit data of business corresponding with block branch management module.Specifically, individual's collage-credit data can
With but be not limited to according to following classification carry out classification storage:Basic class, assets class, debt-credit class, electric business class, skill type and social activity
Class, wherein the basic class of personal collage-credit data can be, but not limited to comprising identification card number, name and/or work unit's letter
Breath etc., the personal collage-credit data of the assets class can be, but not limited to prove comprising movable property information, real estate information and/or income
Information etc., it is described debt-credit class personal collage-credit data can be, but not limited to comprising credit card full amount, credit card with amount, support
Fiduciary loan total value and/or the overdue record information of history etc. are given as security, the personal collage-credit data of the electric business class can be, but not limited to wrap
Information containing historical transaction record and/or historical trading evaluation information etc., the personal collage-credit data of the skill type can with but it is unlimited
In comprising history obtain employment record information and/or working qualification's information etc., it is described social activity class personal collage-credit data can with but it is unlimited
In including that history social activity records information etc..So before carrying out some specific business, only allow the part phase needed for the business
It closes class individual's collage-credit data to feedback, to the secret conducive to the other uncorrelated class individual collage-credit datas for ensuring business both sides
Property.Such as when carrying out lending and borrowing business, contribution side is only capable of feedback and obtains the side of loaninging bill and including basic class, borrowing or lending money class and electric business class
Deng personal collage-credit data;And when carrying out recruitment and job hunting business, recruitment side is only capable of feedback and obtains job hunting side and include basic
The personal collage-credit data of class, skill type and social class etc..
Optimization, the block main chain management module is additionally operable to verify mode visiting transaction first by public/private keys
Whether side or transaction Party B are legal, and are verifying the legal rear personal collage-credit data for permitting visitor to supplement one's own side.It is further excellent
Change, can also pass through the legitimacy of the authentication-access persons such as recognition of face, Application on Voiceprint Recognition or fingerprint recognition mode.
Optimization, the block branch management module is additionally operable to verify mode visiting transaction first by public/private keys
Side or transaction Party B it is whether legal, and verify it is legal after license fed back through it is that across chain agreement is obtained from the first block chain and
For the personal collage-credit data of business other side.It advanced optimizes, can also pass through recognition of face, Application on Voiceprint Recognition or fingerprint recognition mode
The legitimacy of equal authentication-access person.
To sum up, the synthesis business platform based on block chain technology provided using the present embodiment has following technology effect
Fruit:
Present embodiments provide it is a kind of synthesis business platform that various different business are carried out is realized based on block chain technology,
I.e. on the one hand by build for store personal collage-credit data main block chain and several be suitable for different business scene and
Branch block chain for storing corresponding business record data, it can be ensured that the safety of personal collage-credit data and business record data
With can not tamper can not only be shared when carrying out each business on the other hand by existing across chain technology and be located at main block
Personal collage-credit data in chain, can also obtain business record data in branch block chain realize personal collage-credit data in real time more
Newly, so as to establish one based on main block chain realize certification, be applicable in based on branch block chain various particular transactions scenes and
Cover such as electric business business, lending and borrowing business, crowd and raises business, insurance business, charter business, craft services business, certificate confirmation industry
Business, assets deposit card business, article trace to the source business, recruitment and job hunting business and/or love and marriage intermediate business etc. it is comprehensive integration across
Industry situation/transnational business platform solves the problems, such as the fragmentation of current various businesses platform, saves the operation cost of business platform.Separately
External article anti-fake aspect of tracing to the source can not only realize that article deposits card, but also can trace back to person liable, be the occupation record of person liable
Voucher (i.e. personal collage-credit data), in this way can be effectively anti-fake, and it is anti-fake to realize that people, thing, the synthesis of object trace to the source, and promotes user's
Trust and ease of use.
The present invention is not limited to above-mentioned optional embodiment, anyone can show that other are each under the inspiration of the present invention
The product of kind form.Above-mentioned specific implementation mode should not be understood the limitation of pairs of protection scope of the present invention, protection of the invention
Range should be subject to be defined in claims, and specification can be used for interpreting the claims.
Claims (10)
1. a kind of synthesis business platform based on block chain technology, it is characterised in that:Including block main chain management module and several
A block branch management module suitable for different business;
The block main chain management module is used for through across chain agreement from the second block chain corresponding with block branch management module
Then middle acquisition business record data go out business Party A according to the business record data analysis and/or the personal of business Party B are levied
Letter data finally uses block chain mode, the personal collage-credit data of acquisition is stored in the first block chain;
Access of the block branch management module for accept business before corresponding business confirms Party A or business Party B, and it is anti-
Personal collage-credit data that across chain agreement is obtained from the first block chain and for business other side is crossed in feedthrough, then true in corresponding business
After recognizing, prefabricated intelligent contract is executed, the interacting activity between finishing service Party A and business Party B finally uses block chain side
The business record data of generation are stored in corresponding second block chain by formula.
2. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:It further include transaction
Payment module;
During the transaction payment module is used for the interacting activity between finishing service Party A and business Party B, business is realized
Funds transaction between Party A and business Party B.
3. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:The block branch
The correspondence business of chain management module includes that electric business business, lending and borrowing business, crowd raise business, insurance business, charter business, craft services
Business, certificate confirmation business, assets deposit card business, article is traced to the source business, recruitment and job hunting business and/or love and marriage intermediate business.
4. a kind of synthesis business platform based on block chain technology as described in claim 1 or 3, it is characterised in that:Described
People's collage-credit data is stored with mode classification;
When block branch management module obtains the personal collage-credit data of business other side by across chain agreement from the first block chain,
Only license obtains the required class individual collage-credit data of business corresponding with block branch management module.
5. a kind of synthesis business platform based on block chain technology as claimed in claim 4, it is characterised in that:The personal sign
Letter data carries out classification storage according to following classification:Basic class, assets class, debt-credit class, electric business class, skill type and social class,
In, the basic class of personal collage-credit data includes identification card number, name and/or work unit's information, of the assets class
People's collage-credit data, which includes movable property information, real estate information and/or income, proves information, the personal collage-credit data packet of the debt-credit class
Full amount containing credit card, credit card amount, secured credit loan ceiling and/or the overdue record information of history, the electric business
The personal collage-credit data of class includes historical transaction record information and/or historical trading evaluation information, the personal sign of the skill type
Letter data includes history working record information and/or working qualification's information, and the personal collage-credit data of the social activity class includes history
Social activity record information.
6. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:The block master
Chain management module is additionally operable to verify visiting transaction Party A to mode by public/private keys or whether transaction Party B is legal, and
Verify the personal collage-credit data that legal rear license visitor supplements one's own side.
7. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:The block branch
Chain management module is additionally operable to verify visiting transaction Party A to mode by public/private keys or whether transaction Party B is legal, and
It verifies legal rear license and feds back through personal collage-credit data that across chain agreement is obtained from the first block chain and for business other side.
8. a kind of synthesis business platform based on block chain technology as claimed in claims 6 or 7, it is characterised in that:It is verifying
During whether visiting transaction Party A or transaction Party B is legal, also pass through recognition of face, Application on Voiceprint Recognition or fingerprint recognition side
The legitimacy of formula authentication-access person.
9. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:Firstth area
Block chain is publicly-owned chain.
10. a kind of synthesis business platform based on block chain technology as described in claim 1, it is characterised in that:Described second
Block chain is any one or their any combination in publicly-owned chain, privately owned chain and alliance's chain.
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