CN109034795B - Credit barter platform based on block chain - Google Patents
Credit barter platform based on block chain Download PDFInfo
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- CN109034795B CN109034795B CN201810595911.1A CN201810595911A CN109034795B CN 109034795 B CN109034795 B CN 109034795B CN 201810595911 A CN201810595911 A CN 201810595911A CN 109034795 B CN109034795 B CN 109034795B
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
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- G06Q20/38—Payment protocols; Details thereof
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Abstract
The invention relates to the technical field of internet, and discloses a credit barter platform based on a block chain, which comprises: the system comprises a user management unit, a transaction management unit, a credit evaluation unit, a commission management unit, a risk control unit, a platform monitoring unit and a platform configuration unit; the user management unit can acquire basic information of the user, the transaction management unit can acquire transaction behavior information of the user, the credit evaluation unit can generate a credit value of the user by using a block chain technology and taking the basic information of the user as a basis, and the risk control unit can determine a risk level of the user so as to execute operation corresponding to the risk level on the user. By implementing the embodiment of the invention, the security and the credibility of the credit barter platform transaction are improved.
Description
Technical Field
The invention relates to the technical field of internet, in particular to a credit bartering platform based on a block chain.
Background
At present, with the rapid development of electronic commerce, more and more consumers choose to perform various transactions through a shopping platform of electronic commerce, and the consumers usually need to complete cash settlement by means of a third party payment platform in the process of performing transactions by using the shopping platform. However, there is a certain risk in completing cash settlement by means of a third-party payment platform, which may cause the loss of funds of consumers, and thus consumers are more and more concerned about the security of e-commerce transactions, and at the same time, it is a difficult problem to be solved by those skilled in the art.
Disclosure of Invention
The embodiment of the invention discloses a block chain-based credit bartering platform, which can be used for carrying out transaction based on a block chain and improve the security and credibility of the transaction.
The embodiment of the invention discloses a credit bartering platform based on a block chain, which comprises: user management unit, transaction management unit, credit evaluation unit, commission management unit, risk control unit, platform monitoring unit and platform configuration unit, wherein:
the user management unit is used for managing basic operations executed by a user on the credit barter platform and storing and maintaining basic information of the user, wherein the basic operations at least comprise a registration operation, a login operation and a logout operation of the user;
the transaction management unit is used for managing commodities and orders and monitoring and managing user transaction behaviors based on the block chain;
the credit evaluation unit is used for carrying out credit evaluation management on the user based on the block chain and managing the credit value of the user;
the commission management unit is used for managing commission division;
the risk control unit is used for carrying out risk monitoring and management on the transaction behaviors of the user;
the platform monitoring unit is used for monitoring the operation of the credit barter platform;
and the platform configuration unit is used for executing corresponding configuration operation according to the acquired configuration file.
As an optional implementation manner, in an embodiment of the present invention, the credit evaluation unit is configured to perform credit evaluation management on the user based on the blockchain, and a manner of managing the credit value of the user specifically is as follows:
the credit evaluation unit is used for evaluating the credit of the user by using the block chain according to the basic information of the user stored by the user management unit to generate a credit value corresponding to the user and managing the credit value of the user according to the credit value.
As an optional implementation manner, in an embodiment of the present invention, the credit evaluation unit is configured to perform credit evaluation on the user by using a block chain based on the user basic information stored by the user management unit to generate a credit value corresponding to the user, and a manner of managing the credit value of the user according to the credit value specifically includes:
the credit evaluation unit is used for acquiring multi-dimensional information of a user to be evaluated of the credit bartering platform; performing credit evaluation on the user to be evaluated according to the multi-dimensional information and on the basis of the block chain to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit; the multi-dimensional information at least comprises user basic information of the user to be evaluated, which is stored by the user management unit, credit information of the user to be evaluated in a third-party credit platform, and commodity information, order information and transaction behavior information which correspond to the user to be evaluated in the transaction management unit; the credit value is used for credit bartering on the credit bartering platform.
As an optional implementation manner, in an embodiment of the present invention, the credit evaluation unit is configured to perform credit evaluation management on the user based on the blockchain, and a manner of managing the credit value of the user specifically is as follows:
the credit evaluation unit is used for determining a plurality of registered users in the credit bartering platform for evaluating the users to be evaluated; obtaining a credit evaluation result of each registered user to the user to be evaluated; integrating all the credit evaluation results to obtain a comprehensive credit evaluation result; performing credit evaluation on the user to be evaluated according to the multi-dimensional information of the user to be evaluated, the comprehensive credit evaluation result and a block chain technology to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit; the multi-dimensional information at least comprises user basic information of the user to be evaluated, which is stored by the user management unit, credit information of the user to be evaluated in a third-party credit platform, and commodity information, order information and transaction behavior information which correspond to the user to be evaluated in the transaction management unit; the credit value is used for credit bartering at the credit bartering platform.
As an optional implementation manner, in an embodiment of the present invention, the manner that the commission sharing management unit is used to manage commission sharing is specifically:
the commission management unit is used for determining the identity information of the user according to the basic information of the user stored in the user management unit; acquiring a commission sharing rule corresponding to the identity information, and calculating a commission sharing amount of the user according to the commission sharing rule; and packaging the basic information, the identity information, the commission sharing rule and the commission sharing amount of the user and performing uplink storage.
As an optional implementation manner, in an embodiment of the present invention, a manner that the risk control unit is used for performing risk monitoring and management on the transaction behavior of the user specifically is as follows:
the risk control unit is used for acquiring the user transaction behavior information in the transaction management unit, analyzing target transaction behavior information matched with a preset risk control rule in all the user transaction behavior information, and generating a risk level corresponding to the user by combining the credit value of the user generated by the credit evaluation unit; and executing risk management operation corresponding to the risk level for the user.
As an optional implementation manner, in an embodiment of the present invention, a manner that the platform monitoring unit is used to perform operation monitoring on the credit barter platform specifically includes:
the platform monitoring unit is used for monitoring the credit bartering platform to obtain monitoring data; sending the monitoring data to a monitoring center so that the monitoring center can analyze whether the credit barter platform has faults or not according to the monitoring data; the monitoring data at least comprises log data, operation number and system parameters of the credit barter platform.
As an optional implementation manner, in the embodiment of the present invention, a manner that the platform configuration unit is configured to execute a corresponding configuration operation according to the obtained configuration file specifically includes:
and the platform configuration unit is used for executing corresponding configuration operation according to the configuration file fed back by the configuration center.
Compared with the prior art, the embodiment of the invention has the following beneficial effects:
in the embodiment of the invention, the block chain-based credit bartering platform comprises: the system comprises a user management unit, a transaction management unit, a credit evaluation unit, a commission management unit, a risk control unit, a platform monitoring unit and a platform configuration unit; the user management unit can acquire basic information of the user, the transaction management unit can acquire transaction behavior information of the user, the credit evaluation unit can generate a credit value of the user by using a block chain technology and taking the basic information of the user as a basis, and the risk control unit can determine a risk level of the user according to the transaction behavior information and the credit value of the user, so that operation corresponding to the risk level is performed on the user. Therefore, the implementation of the embodiment of the invention can provide a barter platform by combining with the block chain technology, so that the reliable credit barter is improved for the user, and the transaction safety and credibility of the credit barter platform are improved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a block chain-based unit schematic diagram of a credit bartering platform according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a register account type page disclosed by an embodiment of the invention;
FIG. 3 is a schematic diagram of an enterprise data completion page disclosed in an embodiment of the present invention;
FIG. 4 is a schematic diagram of an order management page disclosed by an embodiment of the invention;
fig. 5 is a schematic diagram of a commission page disclosed by an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It is to be noted that the terms "comprises" and "comprising" and any variations thereof in the embodiments and drawings of the present invention are intended to cover non-exclusive inclusions. For example, a process, method, system, article, or apparatus that comprises a list of steps or elements is not limited to only those steps or elements listed, but may alternatively include other steps or elements not listed, or inherent to such process, method, article, or apparatus.
The embodiment of the invention discloses a block chain-based credit bartering platform, which can be used for carrying out credit bartering based on a block chain and improving the safety and credibility of transaction. The following detailed description will be made in conjunction with the accompanying drawings.
Referring to fig. 1, fig. 1 is a schematic unit diagram of a block chain-based credit bartering platform according to an embodiment of the present invention. The block chain based credit bartering platform can comprise: a user management unit 101, a transaction management unit 102, a credit evaluation unit 103, a commission management unit 104, a risk control unit 105, a platform monitoring unit 106, and a platform configuration unit 107, wherein:
the user management unit 101 is configured to manage basic operations performed by a user on the credit and easy goods platform, and store and maintain basic information of the user, where the basic operations at least include a registration operation, a login operation, and a logout operation of the user.
In the embodiment of the invention, the user can be an individual user or an enterprise user, and both the individual user and the enterprise user can issue goods or services on the credit easy-to-credit platform and purchase the goods or services on the credit easy-to-credit platform, wherein the goods traded on the credit easy-to-credit platform can comprise electric appliances, digital codes, office equipment, office supplies, food drinks, home furnishings, beauty cosmetics, mothers and babies, men's clothes, women's clothes, shoes and boots, bags, sports equipment, automobile supplies, gift collections, book stationery, pets and the like. The services transacted on the credit barter platform may include food, lodging, leisure and entertainment, shopping, sports and fitness, living services and the like, and may further include design services, raw material supply, agent, warehouse logistics, advertising media, marketing plan, e-commerce services, IT services, business travel services, conference services, training services, public welfare services, legal accounts, trademark services, human resources services, office services, property services, investment services, association meetings and the like. When a user logs in the credit barter platform for the first time, the user needs to register and fill in basic information of the user, the user management unit 101 can store and maintain the basic information of the user, and when the user modifies the basic information of the user by himself, the user management unit 101 can maintain the basic information of the user in time; when the credit evaluation unit 103 generates the credit value and/or credit value of the user, the user management unit 101 may also maintain the credit value and/or credit value of the user into the basic information of the user in time; when the commission management unit 104 generates the commission rule and/or commission amount of the user, the user management unit 101 can also timely maintain the commission rule and/or commission amount of the user in the basic information of the user; when the risk control unit 105 generates the risk level of the user and/or the operation information corresponding to the risk level, the user management unit 101 may also maintain the risk level of the user and/or the operation information corresponding to the risk level in the user basic information in time.
The basic information of the user at least comprises a user name, a business license number, a detailed address (xx province xx city xx district/county), a contact telephone and the like.
In the embodiment of the present invention, the user management unit 101 may synthesize the basic user information to generate the electronic certificate of the user, and encrypt the electronic certificate according to the encryption technology of the block chain, so that the electronic certificate of the user cannot be modified, thereby ensuring the security of the electronic certificate of the user.
Please refer to fig. 2 and fig. 3 together, wherein fig. 2 is a schematic diagram of a registered account type page disclosed in the embodiment of the present invention, and fig. 3 is a schematic diagram of an enterprise data perfection page disclosed in the embodiment of the present invention. When a user logs in the credit easy loan platform for the first time, the user needs to register on the platform, the account type (personal user type or enterprise user type) of the user can be selected on a registered account type page during registration, the registered account type page is provided with two entries, namely a personal user registration entry and an enterprise user registration entry, and the user can only select one entry to register and cannot register the two account types at the same time. After the user selects the individual user registration entrance or the enterprise user registration entrance, the user needs to fill in the basic information of the user. As shown in fig. 3, the enterprise user can fill in information of at least the enterprise name, the enterprise address, the name of the enterprise legal person, the contact information of the enterprise, the enterprise business license, and the certificate of the enterprise legal person in the enterprise data perfection page. After the enterprise user submits the information, the user management unit 101 may store the enterprise basic information.
As an optional implementation, the user management unit 101 may further be configured to:
acquiring a member grade selected by a user, wherein the member grade at least comprises: a general membership grade, a silver membership grade, a gold membership grade, a platinum membership grade, and a diamond membership grade;
determining and displaying to output the amount to be paid corresponding to the member level;
and when the user is detected to pay the amount to be paid, updating the member level of the user, and setting the member rights and interests matched with the member level aiming at the user.
By the implementation of the implementation mode, the user can freely select the required member rights and interests, and the use experience of the user on the credit bartering platform is improved.
And the transaction management unit 102 is used for managing commodities and orders, and monitoring and managing user transaction behaviors based on the blockchain.
As an optional implementation, the management of the commodity at least includes management of distribution, off-shelf, update, and the like of the commodity, and management of commodity information, where the commodity information at least may include basic information of the commodity and market circulation of the commodity, and the basic information of the commodity at least may include a commodity picture, a commodity description, a commodity phase (new or used), a commodity category, commodity specification information (color, model, size, and the like), and an inventory amount.
In the embodiment of the present invention, the management of the order by the transaction management unit 102 at least includes the management of monitoring, recording, updating, reminding, and the like of the order, where the order monitoring may be that the transaction management unit 102 monitors whether a new order exists on the platform in real time, and when detecting that a new order exists on the platform, the execution of the recording management is triggered, so that the transaction management unit 102 records the order information, and the order information may at least include commodity information, seller information, buyer information, price information, logistics information, order status information, and the like of the order.
In this embodiment of the present invention, the transaction management unit 102 may monitor and manage each transaction based on a block chain distributed ledger technique. When it is detected that a user triggers a certain transaction process to start, the transaction management unit 102 may obtain all order information (such as commodity information, seller information, buyer information, price information, logistics information, and order status information) related to the transaction, encrypt the order information according to an encryption algorithm of a block chain, and generate an order block node; the transaction management unit 102 may store the order block node in a database of a block chain, and may also establish a plurality of order block node copies, and send one copy of the order block node to each user in the local block chain network; when it is detected that there is order information to be updated in the transaction, the transaction management unit 102 obtains an order block node corresponding to the transaction in the block chain database, and updates order content in the order block node; when the order content in the order block node is updated, the order content in all the order block node copies corresponding to the order block node can be updated at the same time. By the distributed account book technology of the block chain, an order block node copy can be stored in each user node in the block chain network, so that order information is not easy to be tampered, and the accuracy of the order information is guaranteed.
In this embodiment of the present invention, the transaction management unit 102 may generate an electronic contract for the transaction behavior of the user and the seller by using an intelligent contract mechanism of the blockchain, and store the electronic contract in a database of the blockchain, where only when the completion condition of the electronic contract is completed, the state of the electronic contract may be changed to the completed state.
Referring to fig. 4, fig. 4 is a schematic diagram of an order management page according to an embodiment of the disclosure. From the order management page, merchandise information, order number, creation time, seller information, buyer information, order status, order amount, and operations may be learned. The creating time can be the time when the order is created, and can be the time for confirming payment for the user; the order status can be the current status of the order (such as the status of awaiting delivery, signed-in or transaction completion, etc.); the operation may be an operation performed with respect to the order (e.g., a delete order operation, a refund operation, etc.).
As an alternative embodiment, the transaction management unit 102 may be further configured to:
encrypting all transaction data generated by a user in the transaction process according to an encryption algorithm of the block chain to generate encrypted transaction data, and generating a target intelligent contract aiming at the transaction according to the completion condition of the transaction;
integrating the encrypted transaction data and the target intelligent contract to generate a target block node, and storing the target block node into a database of a block chain;
and when the target block node detects that the completion condition of the transaction is completed, changing the transaction state corresponding to the target block node.
By implementing the implementation mode, the intelligent contract mechanism of the block chain can ensure that the transaction of the user on the credit barter platform is safe and credible.
In the embodiment of the invention, the encryption algorithm can be realized based on a DES3 encryption algorithm, and the encryption algorithm can increase a time factor on the basis of a DES3 encryption algorithm, so that the corresponding keys of the transaction data encrypted by using the encryption algorithm are different in different time periods, thereby ensuring the security of the transaction data.
And the credit evaluation unit 103 is used for performing credit evaluation management on the user based on the block chain and managing the credit value of the user.
As an optional implementation manner, the manner of performing credit evaluation management on the user and managing the credit value of the user by the credit evaluation unit 103 based on the block chain may specifically be:
and performing credit evaluation on the user by using the block chain based on the basic information of the user stored in the user management unit 101 to generate a credit value corresponding to the user, and managing the credit value of the user according to the credit value.
In this embodiment, a specific credit value for the user may be generated by using a block chain technique, and the credit value of the user may be managed by using the credit value, so that the credit value of the user may be generated according to the quantized credit value, so as to make the generation of the credit value more standard.
In the embodiment of the present invention, the credit evaluation unit 103 may decrypt the block node corresponding to the user in the block chain database by using the key matched with the encryption algorithm of the block chain, and obtain the user basic information in the block node to perform credit evaluation on the user, and thus, the accuracy of the obtained user basic information may be ensured by using the block chain.
As an alternative embodiment, the way that the credit evaluation unit 103 evaluates the credit of the user by using the block chain based on the basic information of the user stored by the user management unit 101 to generate the credit value corresponding to the user, and manages the credit value of the user according to the credit value may specifically be:
acquiring multi-dimensional information of a user to be evaluated of a credit barter platform; performing credit evaluation on the user to be evaluated according to the multi-dimensional information and based on the block chain to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit 101; the multidimensional information at least comprises user basic information of a user to be evaluated, which is stored by the user management unit 101, credit information of the user to be evaluated in the third-party credit platform, and commodity information and transaction behavior information corresponding to the user to be evaluated in the transaction management unit 102; the credit value is used to barter the credit on the credit bartering platform.
By the implementation of the implementation mode, the credit value of the user can be evaluated according to multi-azimuth information, and the accuracy of the credit value of the user is guaranteed.
As an optional implementation manner, the manner of performing credit evaluation management on the user and managing the credit value of the user by the credit evaluation unit 103 based on the block chain may specifically be:
determining a plurality of registered users in the credit bartering platform for evaluating the users to be evaluated; obtaining a credit evaluation result of each registered user to the user to be evaluated; integrating all credit evaluation results to obtain a comprehensive credit evaluation result; performing credit evaluation on the user to be evaluated according to the multi-dimensional information of the user to be evaluated, the comprehensive credit evaluation result and the block chain technology to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit 101; the multidimensional information at least comprises user basic information of a user to be evaluated, which is stored by the user management unit 101, credit information of the user to be evaluated in the third-party credit platform, and commodity information and transaction behavior information corresponding to the user to be evaluated in the transaction management unit 102; the credit value is used for credit bartering at the credit bartering platform.
By the implementation of the implementation mode, credit evaluation results of users to be evaluated by a plurality of users can be obtained, and credit values of the users to be evaluated are generated by combining the multi-aspect information of the users to be evaluated, so that the credit values obtained by evaluation are more in line with the expectation of the users.
In the embodiment of the present invention, the third-party credit platform may be an enterprise credit platform established by a country, or may be an individual credit investigation platform, which is not limited in the embodiment of the present invention.
As an alternative embodiment, the credit evaluation unit 103 obtains relevant information generated by the user on the credit bartering platform, where the relevant information at least includes user basic information, commodity information, and transaction behavior information of the user on the credit bartering platform; determining a credit value allocated to the user according to the related information; and updating the total credit value of the credit account of the user according to the credit value, wherein the total credit value is used for carrying out credit exchange on a credit exchange platform.
The basic information of the user, the commodity information and the transaction behavior information of the user on the credit bartering platform all influence the determination of the credit value distributed to the user. It can be understood that the basic user information, the commodity information and the transaction behavior information of the user at the credit bartering platform respectively have a certain weight when determining the credit value distributed to the user. Optionally, the basic information of the user, the commodity information and the transaction behavior information of the user on the credit barter platform may respectively correspond to a plurality of grades, each grade corresponds to a different score, and the score is higher when the grade is higher. For example, if the truth degree of the user basic information is higher, the corresponding grade of the user basic information is higher, the corresponding score of the user basic information is higher, the grade of the commodity is better, the market circulation of the commodity is higher, the corresponding grade of the commodity information is higher, the bad trading behavior of the user in the trading behavior information of the credit easy-to-ship platform is lower, the corresponding grade of the user is higher, the corresponding score of the registered user in the trading behavior information of the credit easy-to-ship platform is higher, if the corresponding score of the user basic information of the user is a, the score b corresponding to the commodity information is b, the corresponding score of the trading behavior information of the credit easy-to-ship platform is c, the proportions of the user basic information, the commodity information and the trading behavior information of the credit easy-to-ship platform are alpha, beta and gamma, respectively, and if the value of the credit amount allocated to the user is determined by s, then s is a × α + b × β + c × γ, where α + β + γ is 1.
Further, in this embodiment of the present invention, the determining, by the credit evaluation unit 103, a plurality of users for evaluating the users from the credit bartering platform, sending the relevant information to the determined users as evaluation reference material, and obtaining evaluation results of the determined users on the users, and then determining, according to the relevant information, a credit value allocated to the user may include: and determining the credit value of the user according to the related information and the evaluation result. It is understood that, if the determined evaluation results of the multiple users also affect the determination of the credit value allocated to the user, and if the weight of the evaluation results of the multiple users is represented by epsilon and the scores corresponding to the evaluation results of the multiple users are represented by d, then s is a × α + b × β + c × γ + d × epsilon, where α + β + γ + epsilon is 1.
It should be noted that, the plurality of users determined by the credit bartering platform for evaluating the user may be in the same line as the user, may be in a cooperative relationship or a competitive relationship, because the evaluation in the same industry is professional, or may be registered users in different lines who have bartering records with the user, because the evaluation of the user who has bartering records with the user is very representative and authentic, or may be registered users in different lines who have bartering records in part of the same line and the user, so that the obtained evaluation result is professional and objective.
A commission management unit 104 for managing commission.
Referring to fig. 5, fig. 5 is a schematic view of a commission page disclosed in the embodiment of the invention. The user can learn the current user identity information, the commission rule and the commission amount through the commission page. Wherein, the user identity information can be the role of the user in the platform (such as advanced partner, angel partner or city partner); the commission distribution rule can be a profit distribution rule determined according to the identity information of the user; the commission amount may be an amount that the current user can be allocated.
As an alternative embodiment, the manner of managing the commission by the commission management unit 104 may specifically be:
determining the identity information of the user according to the basic user information stored in the user management unit 101; acquiring a commission sharing rule corresponding to the identity information, and calculating a commission sharing amount of the user according to the commission sharing rule; and packaging the basic information, the identity information, the commission sharing rule and the commission sharing amount of the user and performing uplink storage.
The implementation of the embodiment can determine the commission rule according to the user identity information, calculate the commission amount which the user should obtain according to the commission rule, and store the uplink of the content related to the user in the commission management unit, thereby ensuring the safety of the commission information of the user and the accuracy of calculating the commission amount.
As an alternative embodiment, the manner in which the commission management unit 104 packages the basic information, the identity information, the commission rule, and the commission amount of the user and performs uplink storage may specifically be:
encrypting the basic information, the identity information, the commission rule and the commission amount of the user according to an asymmetric encryption algorithm of the block chain, and packaging the encrypted data to generate a target block node;
and connecting the target block node with the current block node in the block chain database, storing the target block node into the block chain database, and determining the target block node as the current block node in the block chain database.
By implementing the embodiment, the information of the user involved in the distribution management unit 104 can be encrypted by using an asymmetric encryption algorithm, and the generated block nodes are stored in the block chain database, so that the data security is ensured.
In the embodiment of the invention, the current user can invite the new user to register the account on the platform, and after the new user carries out membership payment on the platform, the current user can carry out commission sharing on the payment amount of the new user according to commission sharing rules corresponding to the identity information.
For example, when the identity information of the current user is an angel partner, the commission rule corresponding to the angel partner identity of the current user may be 30% of the payment amount of the new user, when the new user invited by the current user purchases gold members on the platform, the new user needs to pay 5000 yuan, and the current user may obtain 1500 yuan according to the commission rule.
And the risk control unit 105 is used for carrying out risk monitoring and management on the transaction behaviors of the user.
As an optional implementation, the manner for the risk control unit 105 to perform risk monitoring and management on the transaction behavior of the user may specifically be:
acquiring user transaction behavior information in the transaction management unit 102, analyzing target transaction behavior information matched with a preset risk control rule in all user transaction behavior information, and generating a risk level corresponding to a user by combining a credit value of the user generated by the credit evaluation unit 103; and executing a risk management operation corresponding to the risk level for the user.
By implementing the implementation mode, the risk level of the user can be generated according to the transaction behavior and the credit value of the user, and corresponding measures are taken for the user with higher risk level, so that the normal operation of the platform is ensured.
As an alternative embodiment, the risk levels generated by the risk control unit 105 may be divided into four levels, including: safety level, early warning level, danger level and arrearage level, wherein:
the security level can be regarded that the transaction behavior of the user has no problem, and the credit value of the user is in an excellent stage;
the early warning level can be that the user does not upload the goods or services but has consumption behaviors using the credit value, or the user uploads the goods or services and consumes the goods or services by using the credit value, but does not log in the platform after the preset time length is exceeded;
the danger level can be that the user uploads goods or services and consumes the goods or services by using the credit value, but the credit value used is not paid back within a preset time length;
the arrears level can be divided into four phases, wherein:
the first stage of the arrears level may consider the credit value that the user has not cleared to use for the duration of the refund;
the second stage of the arrears level may consider the credit value that the user has not cleared to use for an overdue duration that is after the redemption duration;
in the third stage of the arrearage grade, the credit value that the user is not paid for use after the overdue duration is exceeded can be considered, but the user is matched with the platform to execute risk management operation;
the fourth stage of the arrears level may consider the credit value that the user has not cleared for use beyond a maximum length of expiration that is greater than the length of expiration.
By implementing the implementation mode, the risk levels can be divided in detail, and different risk management operations are executed according to different risk levels, so that the execution of the risk management operations can be dependent.
And the platform monitoring unit 106 is used for monitoring the operation of the credit barter platform.
As an optional implementation manner, the manner in which the platform monitoring unit 106 is used to perform operation monitoring on the credit barter platform may specifically be:
monitoring the credit bartering platform to obtain monitoring data; sending the monitoring data to a monitoring center so that the monitoring center can analyze whether the credit barter platform has faults or not according to the monitoring data; the monitoring data at least comprises log data, operation number and system parameters of the credit barter platform.
By implementing the implementation mode, the monitoring data aiming at the credit barter platform can be timely acquired, and the monitoring center monitors whether the credit barter platform has faults or not by analyzing the monitoring data, so that the problem of the faults is timely solved.
In the embodiment of the invention, the monitoring center can be independent of the credit easy-to-stock platform, the platform monitoring unit 106 of the credit easy-to-stock platform can collect monitoring data for monitoring the credit easy-to-stock platform and send the monitoring data to the monitoring center, and the monitoring center can detect and analyze the monitoring data after receiving the monitoring data so as to determine whether the credit easy-to-stock platform has a fault, if the credit easy-to-stock platform has a fault, the monitoring center can determine the position and/or the reason of the fault of the credit easy-to-stock platform and acquire a method for solving the fault, so that the fault of the credit easy-to-stock platform can be solved as soon as possible.
And the platform configuration unit 107 is configured to execute corresponding configuration operations according to the acquired configuration file.
As an optional implementation manner, a manner that the platform configuration unit 107 is configured to execute a corresponding configuration operation according to the obtained configuration file may specifically be:
and the configuration center is used for executing corresponding configuration operation according to the configuration file fed back by the configuration center.
By implementing the implementation mode, the configuration file can be automatically acquired, the configuration operation corresponding to the configuration file can be automatically executed, errors caused when the credit easy-to-goods platform is manually configured are avoided, and the accuracy of executing the configuration operation is ensured.
By implementing the embodiment of the invention, the credit value of the user can be generated based on the block chain and according to the basic information and the transaction behavior information of the user, the risk level of the user is generated according to the transaction behavior information and the credit value of the user, and different operations are executed on the user according to different risk levels, so that the credit authenticity of the user in the credit bartering platform is ensured, and the safety and the credibility of the transaction of the credit bartering platform based on the block chain are improved.
It should be understood that the terms "system" and "network" are often used interchangeably herein, and that the term "and/or" herein is merely an associative relationship that describes an associated object, meaning that three relationships may exist, such as a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the character "/" herein generally indicates that the former and latter related objects are in an "or" relationship.
In the embodiments provided herein, it should be understood that "B corresponding to a" means that B is associated with a from which B can be determined. It should also be understood, however, that determining B from a does not mean determining B from a alone, but may also be determined from a and/or other information.
It will be understood by those skilled in the art that all or part of the steps in the methods of the embodiments described above may be implemented by hardware instructions of a program, and the program may be stored in a computer-readable storage medium, where the storage medium includes Read-Only Memory (ROM), Random Access Memory (RAM), Programmable Read-Only Memory (PROM), Erasable Programmable Read-Only Memory (EPROM), One-time Programmable Read-Only Memory (OTPROM), Electrically Erasable Programmable Read-Only Memory (EEPROM), Compact Disc Read-Only Memory (CD-ROM), or other Memory, such as a magnetic disk, or a combination thereof, A tape memory, or any other medium readable by a computer that can be used to carry or store data.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated units, if implemented as software functional units and sold or used as separate items, may be stored in a computer accessible memory. Based on such understanding, the technical solution of the present invention may be embodied in the form of a software product stored in a memory, and includes several requests to enable a computer device (which may be a personal computer, a server, a network device, or the like, and may specifically be a processor in the computer device) to execute some or all of the steps of the above methods according to the embodiments of the present invention.
The above detailed description is made on a block chain-based credit bartering platform disclosed in the embodiment of the present invention, and a specific example is applied in the description to explain the principle and the implementation of the present invention, and the description of the above embodiment is only used to help understanding the method and the core idea of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (7)
1. A block chain based credit bartering platform, comprising: user management unit, transaction management unit, credit evaluation unit, commission management unit, risk control unit, platform monitoring unit and platform configuration unit, wherein:
the user management unit is used for managing basic operations executed by a user on the credit barter platform and storing and maintaining basic information of the user, wherein the basic operations at least comprise a registration operation, a login operation and a logout operation of the user;
the transaction management unit is used for managing commodities and orders and monitoring and managing user transaction behaviors based on the block chain;
the credit evaluation unit is used for carrying out credit evaluation management on the user based on the block chain and managing the credit value of the user;
the commission management unit is used for managing commission division;
the risk control unit is used for carrying out risk monitoring and management on the transaction behaviors of the user;
the platform monitoring unit is used for monitoring the operation of the credit barter platform;
the platform configuration unit is used for executing corresponding configuration operation according to the acquired configuration file;
the transaction management unit is further configured to:
encrypting all transaction data generated by a user in the transaction process according to an encryption algorithm of the block chain to generate encrypted transaction data, and generating a target intelligent contract aiming at the transaction according to the completion condition of the transaction;
integrating the encrypted transaction data and the target intelligent contract to generate a target block node, and storing the target block node into a database of a block chain;
when the target block node detects that the completion condition of the transaction is completed, changing the transaction state corresponding to the target block node;
the encryption algorithm adds a time factor on the basis of a DES3 encryption algorithm, so that the corresponding keys of the transaction data encrypted by the encryption algorithm are different in different time periods;
the mode that the commission distribution management unit is used for managing commission distribution is specifically as follows:
the commission management unit is used for determining the identity information of the user according to the basic information of the user stored in the user management unit; acquiring a commission sharing rule corresponding to the identity information, and calculating a commission sharing amount of the user according to the commission sharing rule; packaging the basic information, the identity information, the commission sharing rule and the commission sharing amount of the user, and performing uplink storage;
the method for packaging the basic information, the identity information, the commission rule and the commission amount of the user by the commission management unit and performing uplink storage specifically comprises the following steps:
encrypting the basic information, the identity information, the commission rule and the commission amount of the user according to an asymmetric encryption algorithm of the block chain, and packaging the encrypted data to generate a second target block node;
and connecting the second target block node with the current block node in the block chain database, storing the second target block node into the block chain database, and determining the second target block node as the current block node in the block chain database.
2. The blockchain-based credit bartering platform according to claim 1, wherein the credit evaluation unit is configured to perform credit evaluation management on the user based on the blockchain, and to manage the credit value of the user specifically by:
the credit evaluation unit is used for evaluating the credit of the user by using the block chain according to the basic information of the user stored by the user management unit to generate a credit value corresponding to the user and managing the credit value of the user according to the credit value.
3. The blockchain-based credit bartering platform according to claim 2, wherein the credit evaluation unit is configured to perform credit evaluation on the user by using the blockchain based on the user basic information stored by the user management unit to generate a credit value corresponding to the user, and the manner of managing the credit value of the user according to the credit value is specifically:
the credit evaluation unit is used for acquiring multi-dimensional information of a user to be evaluated of the credit bartering platform; performing credit evaluation on the user to be evaluated according to the multi-dimensional information and on the basis of the block chain to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit; the multi-dimensional information at least comprises user basic information of the user to be evaluated, which is stored by the user management unit, credit information of the user to be evaluated in a third-party credit platform, and commodity information, order information and transaction behavior information which correspond to the user to be evaluated in the transaction management unit; the credit value is used for credit bartering on the credit bartering platform.
4. The blockchain-based credit bartering platform according to claim 1, wherein the credit evaluation unit is configured to perform credit evaluation management on the user based on the blockchain, and to manage the credit value of the user specifically by:
the credit evaluation unit is used for determining a plurality of registered users in the credit bartering platform for evaluating the users to be evaluated; obtaining a credit evaluation result of each registered user to the user to be evaluated; integrating all the credit evaluation results to obtain a comprehensive credit evaluation result; performing credit evaluation on the user to be evaluated according to the multi-dimensional information of the user to be evaluated, the comprehensive credit evaluation result and a block chain technology to generate a credit value of the user to be evaluated; calculating the credit value of the user to be evaluated according to the credit value, and sending the credit value to the user management unit; the multi-dimensional information at least comprises user basic information of the user to be evaluated, which is stored by the user management unit, credit information of the user to be evaluated in a third-party credit platform, and commodity information, order information and transaction behavior information which correspond to the user to be evaluated in the transaction management unit; the credit value is used for credit bartering at the credit bartering platform.
5. The block chain based credit bartering platform of any one of claims 2 to 4, wherein the risk control unit is configured to perform risk monitoring and management on user transaction behaviors in a manner that:
the risk control unit is used for acquiring the user transaction behavior information in the transaction management unit, analyzing target transaction behavior information matched with a preset risk control rule in all the user transaction behavior information, and generating a risk level corresponding to the user by combining the credit value of the user generated by the credit evaluation unit; and executing risk management operation corresponding to the risk level for the user.
6. The block chain-based credit bartering platform according to any one of claims 1 to 4, wherein the mode of the platform monitoring unit for performing operation monitoring on the credit bartering platform is specifically as follows:
the platform monitoring unit is used for monitoring the credit bartering platform to obtain monitoring data; sending the monitoring data to a monitoring center so that the monitoring center can analyze whether the credit barter platform has faults or not according to the monitoring data; the monitoring data at least comprises log data, operation parameters and system parameters of the credit barter platform.
7. The block chain-based credit bartering platform according to any one of claims 1 to 4, wherein the manner in which the platform configuration unit is configured to execute the corresponding configuration operation according to the acquired configuration file is specifically:
and the platform configuration unit is used for executing corresponding configuration operation according to the configuration file fed back by the configuration center.
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| CN111340618A (en) * | 2018-12-19 | 2020-06-26 | 北京京东尚科信息技术有限公司 | Method and device for acquiring credit information of user |
| CN109859031A (en) * | 2019-01-21 | 2019-06-07 | 北京沃东天骏信息技术有限公司 | A kind of information processing method, node and the storage medium of block chain network |
| CN109615527A (en) * | 2019-02-19 | 2019-04-12 | 航天恒星科技有限公司 | A kind of method and apparatus for block chain community access |
| CN109919521B (en) * | 2019-04-08 | 2022-05-13 | 北京百度网讯科技有限公司 | Block chain operation confirmation method and device and electronic equipment |
| CN110175831B (en) * | 2019-04-23 | 2023-09-29 | 创新先进技术有限公司 | Credit transfer method and device based on blockchain and electronic equipment |
| CN110519229B (en) * | 2019-07-22 | 2021-08-20 | 杭州凯腾互联网技术有限公司 | Block chain-based value asset processing system |
| CN110489980A (en) * | 2019-07-22 | 2019-11-22 | 杭州凯腾互联网技术有限公司 | A kind of credit asset processing system based on block chain |
| CN111047443B (en) * | 2019-11-29 | 2021-01-12 | 支付宝(杭州)信息技术有限公司 | User scoring method and device, electronic equipment and computer readable storage medium |
| CN112258277A (en) * | 2020-05-29 | 2021-01-22 | 支付宝(杭州)信息技术有限公司 | Block chain based commission distribution method and device |
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