CN110516967A - A kind of method and relevant apparatus of information evaluation - Google Patents
A kind of method and relevant apparatus of information evaluation Download PDFInfo
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- CN110516967A CN110516967A CN201910803028.1A CN201910803028A CN110516967A CN 110516967 A CN110516967 A CN 110516967A CN 201910803028 A CN201910803028 A CN 201910803028A CN 110516967 A CN110516967 A CN 110516967A
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Abstract
The embodiment of the present application provides the method and relevant apparatus of a kind of information evaluation, information change request is got when information changes, if information change request meets condition, then the evaluation index information after change is recorded to block chain and synchronizes storage, then block chain node can obtain the evaluation index information by block chain, the risk assessment information that target object is determined according to evaluation index information, to realize risk assessment.The evaluation index information of the embodiment of the present application, which is recorded to block chain, synchronizes storage, by different databases it is same on block chain, the safety of evaluation index information is good, high reliablity, solve the technical problem of the result inaccuracy of current customer information assessment.
Description
Technical field
This application involves Internet technical field more particularly to the methods and relevant apparatus of a kind of information evaluation.
Background technique
With the development of modern society, Third-party payment (third party payment) is in customer consumption using wide
It is general.Third-party payment mechanism refers to through communication, computer and information security technology, and connection is established between businessman and bank,
To realize currency payment between consumer, financial institution and businessman, cash circulation, fund clearing, query statistic intermediary.
Third-party payment mechanism usually requires to carry out risk rating to client, to implement to the higher client of risk rating
Stringenter control.Risk rating refers to what payment mechanism was established according to the fact that client's specifying informations such as feature, trading situation
Risk assessment and the risk class criteria for classifying and process.Therefore, Third-party payment mechanism needs the fact that collect client feature, hands over
The information datas such as easy situation.
Currently, the customer risk of Third-party payment mechanism is graded, relevant evaluation index information is more dispersed, handles department
More, staff needs to access different databases and collects information, higher cost, and data also have the risk being tampered, number
According to safety is poor, reliability is low, the result inaccuracy for causing customer information to be assessed.
Summary of the invention
The embodiment of the present application provides the method and relevant apparatus of a kind of information evaluation, for solving current customer information
The technical problem of the result inaccuracy of assessment.
In a first aspect, the embodiment of the present application provides a kind of method of information evaluation, comprising:
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein the information change request is taken
Mark with the target object;
If the information change request meets information change condition, according to target described in information change request
Second evaluation index information corresponding to object;
The second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node is described in
Block chain obtains the second evaluation index information, and the block chain node is according to the second evaluation index information determination
The risk assessment information of target object.
Second aspect, the embodiment of the present application provide the device of information evaluation, comprising:
Acquiring unit, for obtaining the first evaluation index information corresponding to target object;
Acquiring unit is also used to when the first evaluation index information change, obtains information change request, wherein institute
State the mark that information change request carries the target object;
Processing unit is asked if meeting information change condition for information change request according to information change
It asks and obtains the second evaluation index information corresponding to the target object;
Processing unit, is also used to record the second evaluation index information to block chain and synchronizes storage, so that area
Block chain node obtains the second evaluation index information by the block chain, and the block chain node is according to second assessment
Indication information determines the risk assessment information of the target object.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect, the block chain
Node is also used to:
It is determined according to the static weight of static evaluation indication information and setting in the second evaluation index information quiet
State Risk Dimensions rank score;
It is determined according to the dynamic evaluation indication information in the second evaluation index information and the changeable weight of setting dynamic
State Risk Dimensions rank score;
It is weighed according to the static risk dimension rank score, the dynamic risk dimension rank score and the dimension of setting
The risk class scoring of the target object is determined again.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect, the processing is single
Member is also used to:
Numberical range where the scoring of the risk class of the target object determines that the risk of the target object is commented
Grade;
The risk rating of the target object is recorded to block chain and synchronizes storage.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect, the processing is single
Member is also used to:
The first evaluation index information corresponding to the target object is recorded to the block chain to synchronize and is deposited
Storage;
The acquiring unit is specifically used for: obtaining corresponding to the target object described first by the block chain and comments
Estimate indication information.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect, if the risk
Grade scoring is greater than given threshold, then processing unit executes the first risk control measure of setting to the target object;
If the risk class scoring is less than or equal to given threshold, processing unit executes setting to the target object
The second risk control measure.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect, described second is commented
Estimating the static evaluation indication information in indication information includes in type of credential, certificate information, age, occupation and place region
It is one or more.
In a kind of possible design, in a kind of implementation of the embodiment of the present application second aspect,
Dynamic evaluation indication information in the second evaluation index information includes transaction amount, transaction content, counterparty
One of formula, trading frequency and transaction Internet protocol address are a variety of.
The third aspect, the embodiment of the present application provide a kind of node device, which is block chain node device, can be with
It is server or terminal device, comprising: memory, transceiver, processor and bus system;
Wherein, the memory is for storing program;
The processor is used to execute the program in the memory, includes the following steps:
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein the information change request is taken
Mark with the target object;
If the information change request meets information change condition, according to target described in information change request
Second evaluation index information corresponding to object;
The second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node is described in
Block chain obtains the second evaluation index information, and the block chain node is according to the second evaluation index information determination
The risk assessment information of target object;
The bus system is for connecting the memory and the processor, so that the memory and the place
Reason device is communicated.
The processor is used to execute the program in the memory, further includes following steps:
It is determined according to the static weight of static evaluation indication information and setting in the second evaluation index information quiet
State Risk Dimensions rank score;
It is determined according to the dynamic evaluation indication information in the second evaluation index information and the changeable weight of setting dynamic
State Risk Dimensions rank score;
It is weighed according to the static risk dimension rank score, the dynamic risk dimension rank score and the dimension of setting
The risk class scoring of the target object is determined again.
The processor is used to execute the program in the memory, further includes following steps:
Numberical range where the scoring of the risk class of the target object determines that the risk of the target object is commented
Grade;
The risk rating of the target object is recorded to block chain and synchronizes storage.
The processor is used to execute the program in the memory, further includes following steps:
The first evaluation index information corresponding to the target object is recorded to the block chain to synchronize and is deposited
Storage;
First evaluation index information corresponding to the acquisition target object specifically: by described in block chain acquisition
The first evaluation index information corresponding to target object.
The processor is used to execute the program in the memory, further includes following steps:
If the risk class scoring is greater than given threshold, the first risk control of setting is executed to the target object
Measure;
If the risk class scoring is less than or equal to given threshold, the second wind of setting is executed to the target object
Dangerous control measure.
Wherein, the static evaluation indication information in the second evaluation index information includes type of credential, certificate information, year
One of age, occupation and place region are a variety of;Dynamic evaluation indication information packet in the second evaluation index information
Include one of transaction amount, transaction content, mode of doing business, trading frequency and transaction Internet protocol address or a variety of.
Fourth aspect, the embodiment of the present application provide a kind of computer readable storage medium, the computer-readable storage medium
Instruction is stored in matter, when run on a computer, so that computer executes method described in above-mentioned first aspect.
5th aspect, the embodiment of the present application provides a kind of computer program product comprising instruction, when its on computers
When operation, so that computer executes method described in above-mentioned first aspect.
As can be seen from the above technical solutions, the embodiment of the present application has the advantage that
The embodiment of the present application provides the method and relevant apparatus of a kind of information evaluation, gets when information changes
Evaluation index information after change is recorded to block chain and is carried out if information change request meets condition by information change request
Synchronous storage, then block chain node can obtain the evaluation index information by block chain, be determined according to evaluation index information
The risk assessment information of target object, to realize risk assessment.The evaluation index information of the embodiment of the present application is recorded to block
Chain synchronizes storage, by different databases it is same on block chain, the safety of evaluation index information is good, high reliablity,
Solves the technical problem of the result inaccuracy of current customer information assessment.
Detailed description of the invention
Fig. 1 is the schematic diagram that the embodiment of the present application risk grading department obtains evaluation index information to each database;
Fig. 2 is the architecture diagram of information evaluation in the embodiment of the present application;
Fig. 3 is the schematic diagram of block chain in the embodiment of the present application;
Fig. 4 is a kind of flow chart of the method for information evaluation provided by the embodiments of the present application;
Fig. 5 is the surface chart that user is transferred accounts using Third-party payment account to businessman on user terminal;
Fig. 6 is the surface chart that user supplements with money or withdraws deposit to Third-party payment account in the embodiment of the present application;
Fig. 7 be the embodiment of the present application in user more change jobs occupation interface schematic diagram;
Fig. 8 is the surface chart of the embodiment of the present application user input handset identifying code;
Fig. 9 is the surface chart that risk rating is shown in the embodiment of the present application;
Figure 10 is the application examples flow chart of the method for information evaluation in the embodiment of the present application;
Figure 11 is the schematic diagram of the method for information evaluation in the application example;
Figure 12 is a kind of schematic diagram of the device of information evaluation provided by the embodiments of the present application;
Figure 13 is the block diagram of the part-structure of mobile phone relevant to terminal provided by the embodiments of the present application;
Figure 14 is a kind of server architecture schematic diagram provided by the embodiments of the present application.
Specific embodiment
The embodiment of the present application provides the method and relevant apparatus of a kind of information evaluation, for solving current customer information
The technical problem of the result inaccuracy of assessment.
The description and claims of this application and term " first ", " second ", " third ", " in above-mentioned attached drawing
The (if present)s such as four " are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should manage
The data that solution uses in this way are interchangeable under appropriate circumstances, so as to embodiments herein described herein can in addition to
Here the sequence other than those of diagram or description is implemented.In addition, term " includes " and " corresponding to " and their any change
Shape, it is intended that cover it is non-exclusive include, for example, containing the process, method of a series of steps or units, system, product
Or equipment those of is not necessarily limited to be clearly listed step or unit, but may include be not clearly listed or for these
The intrinsic other step or units of process, method, product or equipment.
It should be understood that Third-party payment (third party payment) is in customer consumption with the development of modern society
It is widely used.Then user or businessman can be traded in Third-party payment institute registration account by account.This kind of third
Square payment transaction can be shopping online transaction, for example, user 1 in electric business website from businessman 1 buy commodity 1, need to
Businessman pays 10 yuan, then user 1 can be by its Third-party payment account to 10 yuan of Third-party payment account transfer of businessman 1.
This kind of Third-party payment transaction can also be real transaction, for example, user 1 consumes into the shop of businessman 2,20 yuan of make purchases worth more
Commodity 2, then user 1 can be by its Third-party payment account to 20 yuan of Third-party payment account transfer of businessman 2.In addition to
Outside the transaction of family and businessman, user can also by under the money transfer in its bank account to Third-party payment account, for example, with
There are 100 yuan in the bank account at family 1, then 100 yuan in bank account can be gone to third party's branch by bank transfer by user 1
It pays a bill under family.In practical applications, it is also possible to which there are other modes of doing business, specifically herein without limitation.
The user volume of Third-party payment is big, criminal inevitably occurs using Third-party payment and carries out illegal contraband row
To be carried out to the higher Third-party payment account of risk tight therefore, it is necessary to carry out risk rating to Third-party payment account
Monitoring, when Third-party payment account occur illegal contraband behavior when, find in time and prevent its illegal contraband row
For.Risk assessment is carried out to Third-party payment account, first has to the information for collecting Third-party payment account.Risk rating portion at present
Door needs to obtain evaluation index information from each database by terminal device or server, and evaluation index information refers to and the
Tripartite's account is relevant for evaluating the parameter of Third-party payment account risk class, such as third party's account is opened an account the time,
The certificate information of client, age of client etc. such as Third-party payment account are corresponded to when carrying out Third-party payment transaction
Transaction amount, transaction content, mode of doing business of generation etc..Evaluation index information can be selected by staff, specifically herein not
It limits.
Fig. 1 is the schematic diagram that the embodiment of the present application risk grading department obtains evaluation index information to each database.
As it can be seen that risk rating department needs to obtain evaluation index information from each database by terminal device or server at present,
That is information, the risk of risk rating department needs acquisition associated bank account of Third-party payment account from the server of bank
Grading department needs to obtain the related information of Third-party payment account, such as the Third-party payment account from the terminal device of user
The associated terminal device model in family, application program of mobile phone (application, APP) version used in Third-party payment account etc.,
Risk rating department needs to obtain account information, the risk rating of Third-party payment account from Third-party payment authority server
Department needs to obtain terminal device type used when Third-party payment account and Merchant Account transaction from the terminal device of businessman
Number, the Transaction Informations such as exchange hour.Since the customer risk grading relevant marker information of current Third-party payment mechanism is through whole
Links, the assessments that can be related to risk rating such as platform before, during and after a payment, including client networks, transaction, cancellation refer to
The change of information is marked, risk rating department needs to access the data source that different databases solves risk rating.
From above-mentioned analysis, it can be concluded that, client's evaluation index information of Third-party payment mechanism is more dispersed at present, handles
Department is more, and the staff of risk rating department needs to access different database and collects information, higher cost, and in
The logging mode of the heart, there are centralized system risks, and if the ability to ward off risks is weak, and data also have the risk being tampered, data
Safety is poor, reliability is low, the result for causing customer risk to be graded may not can guarantee monitoring resource distribution by malicious modification
Validity, increase the risk of Third-party payment mechanism.
In view of the above-mentioned problems, the embodiment of the present application provides the method and relevant apparatus of a kind of information evaluation, for solving
The technical problem of the result inaccuracy of customer information assessment at present.Fig. 2 is the architecture diagram of information evaluation in the embodiment of the present application.It can
See, in the embodiment of the present application, user terminal, merchant terminal, bank server, authority server homogeneously connect, and form block
Chain network.As shown in Fig. 2, user terminal used in user can be the equipment such as mobile phone, computer, plate, bracelet, used in businessman
Merchant terminal can be mobile phone, computer, POS machine, account cash receiving terminal etc., in practical applications, can also be that other are realized and hands over
Easy terminal device, specifically herein without limitation.Also, it is generally fitted in user terminal and merchant terminal for third party
Client of payment, such as computer software, cell phone software, small routine etc. are equipped with banking system, mechanism clothes on bank server
Third-party payment system is installed on business device, specifically herein without limitation.It is understood that user terminal, merchant terminal with
And server executes correlation step by the software or system of installation, realizes corresponding function.
User terminal, merchant terminal and server are both connected in block chain network, and block chain (blockchain) is
The new application mode of the computer technologies such as Distributed Storage, point-to-point transmission, common recognition mechanism, Encryption Algorithm.With area
The development of block chain technology, block chain technology are widely applied in every field, for example, financial field, information security,
The fields such as computing resource sharing, amusement game, social activity, supply chain management or medical treatment.Below with reference to Fig. 3 to the embodiment of the present application
Used in block chain be described in detail.
Fig. 3 is the schematic diagram of block chain in the embodiment of the present application, it is seen then that user terminal, businessman in the embodiment of the present application
Terminal and server are the node device in block chain, and each node device safeguards a block chain account book, such as Fig. 3 jointly
Shown, distributed account book (distributed ledger) is a kind of shared between network members, duplication and synchronous data
Library.Transaction between distributed account book record network participants, such as the exchange of assets or data, this shared account book reduce
Because reconciling time caused by different account books and spending cost.Related network members include but are not limited only in this application
The producer, consumer, supplier, affiliate, market manipulation person, pusher and sundry item shareholder, the assets of transaction can be
Tangible physical asset (such as automobile, house or strawberry) is also possible to invisible fictitious assets (such as contract, patent and card
Certificate).The ownership of assets and transfer can create value in business network, this process, which is referred to as, trades (transaction).
Distributed account book is the database independently held and updated by each participant in catenet.Distribution is only one
Without two, record is not communicated to each node device by central office, is independently constructed and is saved by each node device.
That is, each node device on network handles each transaction, the conclusion of oneself is obtained, then to these conclusions
It votes, all agrees to these conclusions with the most of node devices of determination.Once reaching common understanding, distributed block chain account book is
It updates, and all node devices all safeguard the identical copies of oneself account book.It is i.e. as shown in Figure 3, node device 1 and other sections
The sheet of point device (such as node device 2, node device 3, node device 4, node device 5 and node device 6) shared node equipment 1
Ground account book, node device 2 and other node device (such as node device 1, node device 3, node device 4, node device 5 and sections
Point device 6) shared node equipment 2 local account book, node device 3 other node devices (such as node device 1, node device 2,
Node device 4, node device 5 and node device 6) shared node equipment 3 local account book, node device 4 sets with other nodes
The local account of standby (such as node device 1, node device 2, node device 3, node device 5 and node device 6) shared node equipment 4
This, (such as node device 1, node device 2, node device 3, node device 4 and node are set node device 5 with other node devices
The local account book of standby 6) shared node equipment 5, node device 6 and other node device (such as node device 1, node device 2, sections
Point device 3, node device 4 and node device 5) shared node equipment 6 local account book.So far, node device 1, node device
2, node device 3, node device 4, node device 5 and node device 6 safeguard the same block chain account book, the block chain account book
Data including all node devices record.
The embodiment of the present application provides a kind of method of information evaluation, and using block chain technology, block chain technology is utilized
Decentralization and cryptological technique, prevent the evaluation index information of client ensure that risk rating refers to from being tampered and forging
The safety and reliability for marking data, can effectively assist staff to judge the risk situation of client, thus targetedly high
Effect distribution monitoring resource, effectively strike unlawful practice.
Fig. 4 is a kind of flow chart of the method for information evaluation provided by the embodiments of the present application, and the method for the information evaluation is answered
Node device for user terminal, merchant terminal and server in similar Fig. 2, comprising:
401, the first evaluation index information corresponding to target object is obtained;
In the embodiment of the present application, node device obtains the first evaluation index information corresponding to target object first, comments
Estimating indication information includes the first evaluation index information, second evaluation index information etc., and evaluation index information has with target object
Incidence relation, as shown in table 1, table 1 are the incidence relation table of evaluation index information and target object in the embodiment of the present application.It can
See, target object includes target object 1, target object 2, target object 3, and evaluation index information corresponding to target object includes
Age, occupation, nationality, transaction amount, the trading frequency etc. of corresponding client can also be other indexs in practical applications, this
Place is without limitation.
It is understood that target object can be Third-party payment account, bank account etc., in practical applications, also
It can be other accounts, specifically herein without limitation, for convenience of describing, the embodiment of the present application is using target object as Third-party payment
Account is described, but should not be construed as the restriction to target object, and the embodiment of other target objects can refer to the application reality
Apply example.
It is understood that the first evaluation index information and the second evaluation index information are evaluation index information, assessment
Indication information includes static evaluation indication information and dynamic evaluation indication information, static evaluation indication information include type of credential,
One of certificate information, age, occupation and place region are a variety of, and dynamic evaluation indication information includes transaction amount, hands over
One of easy content, mode of doing business, trading frequency and transaction Internet protocol address are a variety of.
Table 1
Target object | Evaluation index information |
Target object 1 | The age of corresponding client, occupation, nationality, transaction amount, trading frequency ... |
Target object 2 | The age of corresponding client, occupation, nationality, transaction amount, trading frequency ... |
Target object 3 | The age of corresponding client, occupation, nationality, transaction amount, trading frequency ... |
In a kind of possible embodiment, node device is user terminal, and target object is the Third-party payment account of user
Family, then user terminal can get transaction amount, the friendship that the Third-party payment account is traded every time from historical transaction record
The information such as easy time, trading object, and can count to obtain the trading frequency of the Third-party payment account, it can also get
The information such as age, occupation, the nationality of user registration.
In a kind of possible embodiment, node device is merchant terminal, and target object is the Third-party payment account of businessman
Family, then merchant terminal can get transaction amount, the friendship that the Third-party payment account is traded every time from historical transaction record
The information such as easy time, trading object, and can count to obtain the trading frequency of the Third-party payment account, it can also get
The information such as age, occupation, the nationality of business manager of businessman's registration.
In a kind of possible embodiment, node device is bank server, and target object is the bank of user or businessman
Account, then bank server can get transaction amount, the transaction that the bank account is traded every time from historical transaction record
The information such as time, trading object, and can count to obtain the trading frequency of the bank account, user or quotient can also be got
The information such as age, occupation, the nationality of family's registration.
In a kind of possible embodiment, node device is authority server, and target object is the third of user or businessman
Square payment account, then authority server can get the Third-party payment account from historical transaction record and trade every time
The information such as transaction amount, exchange hour, trading object, and can count to obtain the transaction frequency of the Third-party payment account
Rate can also get the information such as age, occupation, the nationality of user or businessman's registration.
In practical applications, target object can be with other accounts, such as social account etc., and the embodiment of the present application is with third
Square payment account and bank account are described, but are not construed as the restriction of target object.The embodiment of the present application is to target pair
As being not specifically limited.
402, when the first evaluation index information change, information change request is obtained, wherein information change request carries mesh
Mark the mark of object;
In the embodiment of the present application, when the first evaluation index information changes, node device can be commented according to first
The situation of change for estimating indication information gets information change request, includes the mark and the of target object in information change request
The situation of change of one evaluation index information, the first evaluation index information, which changes can be, has increased Transaction Information either account newly
The change of family information, the situation of change of the first evaluation index information may include the account information after newly-increased Transaction Information, change,
In practical applications, other situations be can also be, specifically herein without limitation.
In a kind of possible embodiment, node device is user terminal, and target object is the Third-party payment account of user
Family, then when user is traded using Third-party payment account, the first evaluation index information changes, and can generate trade gold
The Transaction Informations such as volume, transaction content.Fig. 5 is the interface that user is transferred accounts using Third-party payment account to businessman on user terminal
Figure.As shown in figure 5, user using Third-party payment account to businessman's money transfer transactions, then can generate the secondary transaction exchange hour,
Third-party payment account that transaction amount, transaction content, user use, Merchant Account (the Third-party payment account of businessman or quotient
Family bank account) etc. Transaction Informations.
In Fig. 5, if user is with merchant transaction on electric business platform, user terminal can obtain from electric business platform
To Merchant Account, merchandise news can be got from electric business platform and determine transaction content, it can be from the commodity on electric business platform
Price determines transaction amount, can read the associated Third-party payment account of active client, and user inputs point after payment cipher
" determination " virtual push button is hit, then it includes third party above-mentioned in information change request that user terminal, which generates information change request,
Payment account and Transaction Information.
In Fig. 5, if user is such as to pay with merchant transaction in merchant store, then use after having a meal in merchant store
Family terminal can obtain Merchant Account or directly fill in Merchant Account by user by scanning the two dimensional code of businessman, can by with
Family fills in transaction content or determines transaction content automatically according to Merchant Account, such as Merchant Account is the restaurant XX, then transaction content
It can be board expenses, user terminal can also read the associated Third-party payment account of active client, and it is close that user inputs payment
" determination " virtual push button is clicked after code, then it includes above-mentioned in information change request that user terminal, which generates information change request,
Third-party payment account and Transaction Information.
In a kind of possible embodiment, the Third-party payment account of user or businessman using bank account to oneself is filled
Value, then the Third-party payment account that user terminal or merchant terminal generated that this time supplement with money supplement with money the time, recharge amount, user supplement with money
The Transaction Informations such as bank account used are supplemented at family with money.Fig. 6 is that user fills Third-party payment account in the embodiment of the present application
The surface chart for being worth or withdrawing deposit.As it can be seen that in the Third-party payment account of user also with account balance be XXXX member, then user can point
It hits " supplementing with money " virtual push button to be supplemented with money, user terminal can read associated bank account, and user is waited to input recharge amount
It is requested with information change is generated after payment cipher, includes Third-party payment account, the bank account of user in information change request
And Transaction Information (recharge amount etc.).
In a kind of possible embodiment, user or businessman can withdraw deposit the money in the Third-party payment account of oneself
Into bank account, then user terminal or merchant terminal generate time of withdrawing deposit, the Withdrawal Amount, the third party to withdraw deposit that this time is withdrawn deposit
The Transaction Informations such as payment account, the bank account withdrawn deposit.As shown in fig. 6, user can click " withdrawing deposit " virtual push button for
XXXX member in tripartite's payment account is withdrawn deposit to bank card, then user terminal is available associated with the Third-party payment account
Bank account, and the information such as Withdrawal Amount, payment cipher that user inputs are obtained, then generate information change request, information
It include Third-party payment account, bank account and the Transaction Information etc. used in user withdraws deposit in change request.
In a kind of possible embodiment, user can modify the associated customer information of Third-party payment account, e.g.
Associated user job occupation, the work duty when user more changes jobs, after replacement can be inputted on the interface of user terminal
Industry, the professional interface schematic diagram as shown in fig. 7, Fig. 7 more changes jobs for user in the embodiment of the present application, it is seen then that user's is current
Occupation is that XXX can input new occupation when user more changes jobs occupation in the user terminal, and it is empty then to click " determination "
Quasi- button, then the Third-party payment account of the available new occupation inputted to user of user terminal and reading user, raw
It changes and requests at information, the information such as Third-party payment account, new occupation in information change request including user.
In a kind of possible embodiment, the information of bank modification user or businessman can also make the first evaluation index information
It changes, for example, bank is unified to increase by 1 for the age of user or businessman, then bank server on December 31st, 1
Information change request is got, may include bank account, updated age of user or businessman etc. in information change request
Information.
If 403, information change request meets information change condition, it is right that request target object institute is changed according to information
The the second evaluation index information answered;
In the embodiment of the present application, when node device judges that information change request meets information change condition, Ke Yigen
It is believed that the second evaluation index information corresponding to breath change request target object.It is understood that information changes condition
The preset condition of staff, different rule and condition may be set according to actual conditions in staff, it is specific this
Place is without limitation.
In a kind of possible embodiment, information change request includes the Third-party payment account and user's input of user
Payment cipher, then node device can with verification information change request in Third-party payment account and payment cipher whether just
Really, if so, can according to information change request target object corresponding to the second evaluation index information, for example, user
Whether the direct local verification account password of terminal is correct, then obtains the second evaluation index information by user terminal and records to area
Block chain synchronizes storage, such as, information change request is sent to authority server by user terminal, and authority server is tested
It demonstrate,proves Third-party payment account in information change request and whether payment cipher is correct, authority server obtains if correct
Second evaluation index information simultaneously records to block chain and synchronizes storage, such as, during user terminal requests information change
Third-party payment account and payment cipher be sent to authority server, authority server is verified in information change request
Whether Third-party payment account and payment cipher are correct, and the result being verified is returned to user by authority server if correct
Terminal, then user terminal is according to being verified as a result, obtaining the second evaluation index information from information change request and recording
Storage is synchronized to block chain.
In a kind of possible embodiment, user is traded with businessman by merchant terminal by user terminal, then machine
The second information change request that structure server gets the first information change request of user terminal transmission and merchant terminal is sent,
If first information change request is identical with the Third-party payment account of user in the change request of the second information, and the first information becomes
It more requests the Third-party payment account of businessman in requesting with the change of the second information identical, then illustrates the user terminal of the secondary transaction
The Transaction Information being in agreement with merchant terminal, authority server can change request or the change of the second information from the first information
The second evaluation index information is obtained in request and is recorded to block chain synchronizes storage.
In a kind of possible embodiment, when user more changes jobs occupation, user, which can click, " obtains mobile phone verifying
Code " virtual push button, then the associated cell-phone number of Third-party payment account of user can be sent to mobile phone identifying code system by user terminal
System then mobile phone identifying code system automatically generated mobile phone identifying code and sends identifying code short message to the cell-phone number, in identifying code short message
Comprising mobile phone identifying code, identical mobile phone identifying code can be also sent to the user terminal by mobile phone identifying code system.Fig. 8 is the application
The surface chart of embodiment user's input handset identifying code, it is seen then that mobile phone identifying code that user's input handset number receives and defeated
Work occupation after entering replacement, then user terminal generates information change request, includes the hand of user's input in information change request
Work occupation after machine identifying code, and input replacement, the then user that user terminal can change in request according to information input
The mobile phone identifying code that is issued with mobile phone identifying code system of mobile phone identifying code compare, if unanimously, user terminal is changed from information
The second evaluation index information is obtained in request and is recorded to block chain synchronizes storage.
In the embodiment of the present application, the second evaluation index information can be the first evaluation index information after change, for example,
User job occupation is changed to B from A, then the work occupation B of user is the second evaluation index information, is also possible to newly-increased transaction
Evaluation index information after information, wherein having increased Transaction Information newly, increases for example, user and businessman produce a transaction
The first evaluation index information after Transaction Information is the second evaluation index information.
In a kind of possible embodiment, the first evaluation index information includes the Third-party payment account, associated of user
Work occupation is occupation A, and user generates the work that information change request is Third-party payment account relating by user terminal
Occupation is changed to professional B by professional A, then user terminal can change request to the second evaluation index information according to information,
Second evaluation index information include the Third-party payment account of user, associated work occupation be occupation B, then, user terminal
The second evaluation index information is recorded to block chain and synchronizes storage.
In a kind of possible embodiment, the first evaluation index information includes the Third-party payment account, associated of user
Historical transaction record, user are generated Transaction Information and send to carry to authority server and handed over by user terminal and merchant transaction
The information of easy information changes request, and authority server changes request according to information and comments to the second evaluation index information, second
Estimating indication information includes Third-party payment account, associated historical transaction record and newly-increased Transaction Information.Then, mechanism takes
Business device, which records the second evaluation index information to block chain, synchronizes storage.
404, the second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node passes through block
Chain obtains the second evaluation index information, and block chain node determines that the risk assessment of target object is believed according to the second evaluation index information
Breath.
In the embodiment of the present application, the second evaluation index information is recorded to block chain and synchronizes storage by node device,
Second evaluation index information can be client age corresponding to Third-party payment account, occupation, nationality, transaction amount, transaction
The information such as frequency, wherein the information such as client age, occupation can be authority server synchronous recording to the evaluation index of block chain
Information, transaction amount can be user and transferred accounts by bank card to certain transaction amount of Third-party payment account, then is bank
For server sync to the evaluation index information of block chain, transaction amount is also possible to user by Third-party payment account to businessman
It transfers accounts the transaction amount of consumption, then the transaction amount can be the assessment of user terminal and merchant terminal synchronous recording to block chain
Indication information.And trading frequency can be user terminal and count what the daily transaction count of the Third-party payment account obtained
Trading frequency, for example, transaction 100 times daily, then the trading frequency can be by user terminal synchronous recording to block chain.
In practical applications, the second evaluation index information can also be other information, such as visitor corresponding to bank account
The age of the information such as family age, occupation, nationality, transaction amount, trading frequency or other clients, occupation, nationality, transaction
The information such as the amount of money, trading frequency, are not specifically limited herein.
In the embodiment of the present application, block chain node, that is, node device, can be the node device with aforementioned modification information
It is identical, it is also possible to different from the node device of aforementioned modification information, block chain node, which is mainly used for obtaining from block chain, to be commented
Estimate indication information and determines the risk assessment information of target object according to evaluation index information.
Fig. 2 and Fig. 3 are please referred to, block chain node can be user terminal, merchant terminal, bank server and mechanism clothes
Business device can also be other similar node device in practical applications.Block chain node can obtain assessment from block chain
Indication information, for example, user terminal can acquire corresponding to the Third-party payment account of user from block chain account book
The information such as client age, occupation, nationality, transaction amount, trading frequency.
After block chain node gets evaluation index information, the risk of target object can be determined according to evaluation index information
Assess information.For example, the trading frequency of target object is higher, then it is generally acknowledged that the risk of target object is higher, can specifically lead to
Algorithm is crossed, the risk assessment information of target object is determined according to evaluation index information, the algorithm is not done in the embodiment of the present application
It is specific to limit.The algorithm can refer to the application other embodiments.
Optionally, in a kind of corresponding alternative embodiment of the method for information evaluation of the embodiment of the present application Fig. 4, root
The risk assessment information for determining target object according to the second evaluation index information includes:
Static wind is determined according to the static evaluation indication information in the second evaluation index information and the static weight of setting
Dangerous dimension rank score;
Dynamic wind is determined according to the changeable weight of dynamic evaluation indication information and setting in the second evaluation index information
Dangerous dimension rank score;
Mesh is determined according to static risk dimension rank score, dynamic risk dimension rank score and the dimension weight of setting
Mark the risk class scoring of object.
It in the embodiment of the present application, can be according to the second assessment after block chain node gets the second evaluation index information
Indication information determines the risk assessment information of target object, wherein the second evaluation index information includes static evaluation indication information
And dynamic evaluation indication information.
In a kind of possible embodiment, static evaluation indication information includes type of credential, certificate information, age, occupation
And one of place region or a variety of.Static evaluation indication information is generally relevant with target object, such as with
The association of tripartite's payment account, or be associated with bank account, then static evaluation indication information is the corresponding client of the target object
One of type of credential, certificate information, age, occupation and place region of registration are a variety of.The variation of these indication informations
Frequency it is lower, because of referred to herein as static evaluation indication information.The corresponding client of target object can be natural person client, can also be with
It is artificial person client, therefore, static evaluation indication information may include the age of natural person client, occupation, hold a certificate class
Type, the duration of artificial person client, equity structure, registered place, manages residence, practical beneficiary or control people at nationality
Nationality, affiliated industry etc. of commencing business.In practical applications, static evaluation indication information can also include other information, specifically
Herein without limitation.
In a kind of possible embodiment, dynamic evaluation indication information include transaction amount, transaction content, mode of doing business,
One of trading frequency and transaction Internet protocol address are a variety of.Dynamic evaluation indication information is generally closed with target object
Connection, target object can be Third-party payment account, bank account etc., therefore dynamic evaluation indication information can be target object
One of corresponding transaction amount, transaction content, mode of doing business, trading frequency and transaction Internet protocol address are more
Kind.The variation of these indication informations is more frequent, because of referred to herein as dynamic evaluation indication information.Dynamic risk dimension index may include
Transaction amount, trading frequency, transaction IP, mode of doing business, transaction content, the indicating risk information for being related to client or authoritative media report
Road information etc..
Block chain node is according to the static evaluation indication information and dynamic evaluation index letter in the second evaluation index information
The risk assessment information for determining target object is ceased, firstly, block chain node is according to the static evaluation in the second evaluation index information
Indication information and the static weight of setting determine static risk dimension rank score by static score formula, this is static
Divide formula are as follows:
A=A1×S1+A2×S2+...+An×Sn;
Wherein, A represents static risk dimension rank score, and n represents static evaluation indication information under static risk dimension
Quantity, S represent the static weight that each static evaluation indication information is corresponding under the static risk dimension set.
Then, block chain node is according to the dynamic of dynamic evaluation indication information and setting in the second evaluation index information
Weight determines dynamic risk dimension rank score by dynamic score formula, the dynamic score formula are as follows:
B=B1×W1+B2×W2+...+Bm×Wm;
Wherein, B represents dynamic risk dimension rank score, and m represents dynamic evaluation indication information under dynamic risk dimension
Quantity, W represent the changeable weight that each dynamic evaluation indication information is corresponding under the dynamic risk dimension set.
Finally, block chain node is according to static risk dimension rank score, dynamic risk dimension rank score and setting
Dimension weight, by total score formula determine target object risk class score, total score formula are as follows:
R=A × P1+B×P2;
Wherein, R represents the final risk class scoring of client, P1Represent the static risk index dimension weight of setting, P2Generation
The dynamic risk index dimension weight of table setting.
Above-mentioned calculation method is only a kind of embodiment provided by the embodiments of the present application, in practical applications, can be with
It is calculated by other algorithms, is specifically not specifically limited.
Optionally, in a kind of corresponding alternative embodiment of the method for information evaluation of the embodiment of the present application Fig. 4, root
Target object is obtained according to static risk dimension rank score, dynamic risk dimension rank score and the dimension weight calculation of setting
Risk class scoring after, method further include:
Numberical range where the scoring of the risk class of target object determines the risk rating of target object;
The risk rating of target object is recorded to block chain and synchronizes storage.
In the embodiment of the present application, block chain node can score according to the risk class being calculated and determine target object
Risk rating, risk class scoring with risk rating have incidence relation, table 2 be the embodiment of the present application risk grade scoring
With the incidence relation table of risk rating, it is seen then that when risk class scoring is in 0-20 range, block chain node can be according to wind
Dangerous grade scoring and the incidence relation of risk rating determine the target object risk rating be it is low, when risk class scoring exist
When 20-40 range, block chain node can score according to risk class and determine the target object with the incidence relation of risk rating
Risk rating be it is lower, and so on.In practical applications, risk class scoring can root with the incidence relation of risk rating
It sets according to actual conditions, is not specifically limited herein.
Table 2
Risk class scoring | Risk rating |
0-20 | It is low |
20-40 | It is lower |
40-60 | Generally |
60-80 | It is higher |
80-100 | It is high |
After block chain node determines the risk rating of target object, the risk rating of target object can be recorded to block
Chain synchronizes storage, and specific implementation can refer in the application other embodiments and record evaluation index information to block chain
The method for synchronizing storage, details are not described herein again.
Arbitrary node equipment or block chain node can acquire the risk rating of target object from the block chain, and
It is shown on terminal interface, as shown in figure 9, Fig. 9 is the surface chart for showing risk rating in the embodiment of the present application, it is seen then that work
Personnel can see the risk rating of target object on the interface of terminal, to carry out phase according to the risk rating of target object
The measure answered, for example, staff sees the risk rating of target object 1 for height, then can extract the information of target object 1 into
Row analysis assessment, determines target object 1 with the presence or absence of illegal transaction behavior.
In a kind of possible embodiment, target object higher for risk and the associated client of target object, work
Make personnel can take further deeply verify understand customer management activity and property source, properly increase client actual controller,
The collection and renewal frequency of practical beneficiary's information, appropriateness improve transaction detection frequency and intensity, to the mode of doing business of client,
The implementations such as transaction size, trading frequency rationally limit;Target object lower for risk and the associated client of target object,
Staff, which can take to be appropriately extended, to be understood the update cycle of regular (know-your-customer, the KYC) data of client, is closing
The frequency of KYC is suitably reduced in the transaction size of reason or intensity, is allowed using more advanced obligation authority etc..
Optionally, it in a kind of corresponding alternative embodiment of the method for information evaluation of the embodiment of the present application Fig. 4, obtains
Before taking the first evaluation index information corresponding to target object, method further include:
First evaluation index information corresponding to target object is recorded to block chain and synchronizes storage;
Obtain the first evaluation index information corresponding to target object specifically: it is right to obtain target object institute by block chain
The the first evaluation index information answered.
In the embodiment of the present application, the first evaluation index information is recorded to block chain to synchronize and be deposited by node device first
Storage can be obtained when the node device or other node devices need to obtain the first evaluation index information by block chain
First evaluation index information corresponding to target object.
In the embodiment of the present application, the first evaluation index information is recorded to block chain the side for synchronizing storage by node device
Formula is similar with evaluation index information to be recorded to the mode that synchronizes storage to block chain in the application other embodiments, herein not
It repeats again.
Optionally, in a kind of corresponding alternative embodiment of the method for information evaluation of the embodiment of the present application Fig. 4, root
After the risk assessment information for determining target object according to the second evaluation index information, method further include:
If the risk class scoring of target object is greater than given threshold, the first risk of setting is executed to the target object
Control measure;
If the risk class scoring of target object is less than or equal to given threshold, the of setting is executed to the target object
Two risk control measures.
In the embodiment of the present application, node device is after getting risk class scoring, it can be determined that risk class scoring
Whether given threshold is greater than, if so, executing the first risk control measure of setting to associated target object.For example, target
The risk class scoring of object 1 is 99, and given threshold is 80, then the risk class scoring of the target object 1 is greater than 80, node
Equipment can execute the first risk control measure of setting to the target object.In another example the risk class of target object 2 scores
It is 15, then the risk class of the target object 2 scores less than 80, and node device can execute the second of setting to the target object
Risk control measure.
In the embodiment of the present application, the first risk control measure and the second risk control measure can be preset, for example,
In first risk control measure, authority server is the second risk control once a day to the frequency of the transaction detection of target object
In measure processed, authority server is one month primary to the frequency of the transaction detection of target object, in another example, the first risk control
In measure, authority server is 10000 yuan to the trading limit of target object, in the second risk control measure, authority server
Trading limit to target object is 100000 yuan, in practical applications, can also set other risk control measures, herein not
It is specifically limited.
According to above embodiments, the embodiment of the present application also provides the application examples of a kind of method of information evaluation, and Figure 10 is this
Apply for the application examples flow chart of the method for information evaluation in embodiment, it is seen then that the application examples process includes:
1001, when the static evaluation indication information of target object or dynamic evaluation indication information change, change is received
More request;
In the application example, when authority server detects that the static evaluation indication information of target object or dynamic evaluation refer to
When mark information changes, the change request of user terminal or merchant terminal transmission is received, may include in change request
Transaction Information between the change or target object of target object information changes request, for example, user is by the third party of oneself
Associated cell-phone number is modified in the user information of payment account, then authority server can receive the mesh of user terminal transmission
The change request of object information is marked, in another example, user trades with businessman, generates a new transaction record, then mechanism takes
Business device will receive Transaction Information change request, include newly generated transaction record in the request.
1002, change request is audited according to default rule, under being executed when determining that change request meets rule
One step;
In the application example, judge that information becomes in the method and previous embodiment that authority server is audited according to rule
More request the method for whether meeting information change condition similar, specific details are not described herein again.
1003, the static evaluation indication information of target object or dynamic evaluation indication information are changed;
In the application example, authority server is requested according to change by the static evaluation indication information or dynamic of target object
Evaluation index information changes.For example, will be in the user information of the Third-party payment account of oneself for user in change request
Associated cell-phone number is modified, then authority server repairs cell-phone number associated in the user information of the Third-party payment account
It is changed to new cell-phone number (cell-phone number is one of static evaluation indication information).In another example being new transaction in change request
Record, then authority server increases to new transaction record in block chain, updates corresponding dynamic evaluation indication information.
1004, the risk rating of target object is calculated.
In the application example, authority server can be according to static evaluation indication information and dynamic evaluation indication information meter
The risk rating of target object is calculated, circular is similar with the mode that previous embodiment calculation risk is graded, specifically herein
It repeats no more.
After authority server obtains the risk rating of target object, corresponding measure can be carried out to the target object, with
Realize the target of anti money washing.Client such as higher for risk, can take further deeply verify understand customer management activity and
Property source, the collection and renewal frequency for properly increasing client actual controller, practical beneficiary's information, appropriateness improve transaction prison
The frequency and intensity of survey rationally limit the implementations such as the mode of doing business, transaction size, trading frequency of client;It is lower for risk
Client, can take the update cycle that KYC data is appropriately extended, suitably reduce in reasonable transaction size KYC frequency or
Intensity allows using more advanced obligation authority etc..
Figure 11 be the application example in information evaluation method schematic diagram, it is seen then that in the application example, authority server according to
Static evaluation indication information (such as type of credential, certificate information, age, occupation, place region) and dynamic evaluation indication information
(such as transaction amount, transaction content, method of commerce, trading frequency, transaction IP) carries out qualitative analysis and quantitative analysis, wherein
Quantitative analysis is calculation risk grade scoring, and qualitative analysis is calculation risk grading.Then, authority server obtains target object
Risk rating and corresponding measure can be executed.
The application application examples is by block chain technology, prevent the Risk Dimensions indication information of client is from being tampered and pseudo-
It makes, ensure that the safety and reliability of anti money washing risk rating achievement data, Anti-Money Laundering personnel can effectively be assisted to judge
The risk situation of client reduces a possibility that criminal carries out illegal activity using Third-party payment, maintenance China gold
Rong'an is complete and order.
Figure 12 is a kind of schematic diagram of the device of information evaluation provided by the embodiments of the present application, it is seen then that the embodiment of the present application
The device 1200 of a kind of information evaluation provided includes:
Acquiring unit 1201, for obtaining the first evaluation index information corresponding to target object;
Acquiring unit 1201 is also used to when the first evaluation index information change, obtains information change request, wherein letter
Breath change request carries the mark of target object;
Processing unit 1202 obtains if meeting information change condition for information change request according to information change request
Take the second evaluation index information corresponding to target object;
Processing unit 1202, is also used to record the second evaluation index information to block chain and synchronizes storage, so that area
Block chain node obtains the second evaluation index information by block chain, and block chain node determines target according to the second evaluation index information
The risk assessment information of object.
Optionally, in a kind of corresponding alternative embodiment of the device of information evaluation of the embodiment of the present application Figure 12,
Block chain node is also used to:
Static wind is determined according to the static evaluation indication information in the second evaluation index information and the static weight of setting
Dangerous dimension rank score;
Dynamic wind is determined according to the changeable weight of dynamic evaluation indication information and setting in the second evaluation index information
Dangerous dimension rank score;
Mesh is determined according to static risk dimension rank score, dynamic risk dimension rank score and the dimension weight of setting
Mark the risk class scoring of object.
Optionally, in a kind of corresponding alternative embodiment of the device of information evaluation of the embodiment of the present application Figure 12,
Processing unit 1202 is also used to:
Numberical range where the scoring of the risk class of target object determines the risk rating of target object;
The risk rating of target object is recorded to block chain and synchronizes storage.
Optionally, in a kind of corresponding alternative embodiment of the device of information evaluation of the embodiment of the present application Figure 12,
Processing unit 1202 is also used to:
First evaluation index information corresponding to target object is recorded to block chain and synchronizes storage;
Acquiring unit is specifically used for: obtaining the first evaluation index information corresponding to target object by block chain.
Optionally, if in a kind of corresponding alternative embodiment of the device of information evaluation of the embodiment of the present application Figure 12
Risk class scoring is greater than given threshold, then processing unit 1202 executes the first risk control measure of setting to target object;
If risk class scoring is less than or equal to given threshold, processing unit 1202 executes the of setting to target object
Two risk control measures.
Optionally, in a kind of corresponding alternative embodiment of the device of information evaluation of the embodiment of the present application Figure 12,
First evaluation index information and the second evaluation index information are evaluation index information, and evaluation index information includes that static evaluation refers to
Mark information and dynamic evaluation indication information, static evaluation indication information include type of credential, certificate information, the age, occupation and
One of place region is a variety of, and dynamic evaluation indication information includes transaction amount, transaction content, mode of doing business, transaction frequency
One of rate and transaction Internet protocol address are a variety of.
The embodiment of the present application also provides a kind of node device, which can be terminal device or server, below
The case where node device is terminal device, will be described in detail:
The embodiment of the present application also provides the devices of another information evaluation, as shown in figure 13, for ease of description, only show
Go out part relevant to the embodiment of the present application, it is disclosed by specific technical details, please refer to the embodiment of the present application method part.
The terminal can be include mobile phone, tablet computer, personal digital assistant (personal digital assistant, PDA), pin
Any terminal devices such as terminal (point of sales, POS), vehicle-mounted computer are sold, taking the terminal as an example:
Figure 13 is the block diagram of the part-structure of mobile phone relevant to terminal provided by the embodiments of the present application.With reference to Figure 13, hand
Machine include: radio frequency (radio frequency, RF) circuit 1310, memory 1320, input unit 1330, display unit 1340,
Sensor 1350, voicefrequency circuit 1360, Wireless Fidelity (wireless fidelity, WiFi) module 1370, processor 1380,
And the equal components of power supply 1390.It will be understood by those skilled in the art that handset structure shown in Figure 13 is not constituted to mobile phone
Restriction, may include perhaps combining certain components or different component layouts than illustrating more or fewer components.
It is specifically introduced below with reference to each component parts of the Figure 13 to mobile phone:
RF circuit 1310 can be used for receiving and sending messages or communication process in, signal sends and receivees, particularly, by base station
After downlink information receives, handled to processor 1380;In addition, the data for designing uplink are sent to base station.In general, RF circuit
1310 include but is not limited to antenna, at least one amplifier, transceiver, coupler, low-noise amplifier (low noise
Amplifier, LNA), duplexer etc..In addition, RF circuit 1310 can also be logical with network and other equipment by wireless communication
Letter.Any communication standard or agreement, including but not limited to global system for mobile communications (global can be used in above-mentioned wireless communication
System of mobile communication, GSM), general packet radio service (general packet radio
Service, GPRS), CDMA (code division multiple access, CDMA), wideband code division multiple access
(wideband code division multiple access, WCDMA), long term evolution (long term evolution,
LTE), Email, short message service (short messaging service, SMS) etc..
Memory 1320 can be used for storing software program and module, and processor 1380 is stored in memory by operation
1320 software program and module, thereby executing the various function application and data processing of mobile phone.Memory 1320 can be led
It to include storing program area and storage data area, wherein storing program area can be needed for storage program area, at least one function
Application program (such as sound-playing function, image player function etc.) etc.;Storage data area, which can be stored, uses institute according to mobile phone
Data (such as audio data, phone directory etc.) of creation etc..In addition, memory 1320 may include high random access storage
Device, can also include nonvolatile memory, and a for example, at least disk memory, flush memory device or other volatibility are solid
State memory device.
Input unit 1330 can be used for receiving the number or character information of input, and generate with the user setting of mobile phone with
And the related key signals input of function control.Specifically, input unit 1330 may include touch panel 1331 and other inputs
Equipment 1332.Touch panel 1331, also referred to as touch screen collect touch operation (such as the user of user on it or nearby
Use the behaviour of any suitable object or attachment such as finger, stylus on touch panel 1331 or near touch panel 1331
Make), and corresponding attachment device is driven according to preset formula.Optionally, touch panel 1331 may include touch detection
Two parts of device and touch controller.Wherein, the touch orientation of touch detecting apparatus detection user, and detect touch operation band
The signal come, transmits a signal to touch controller;Touch controller receives touch information from touch detecting apparatus, and by it
It is converted into contact coordinate, then gives processor 1380, and order that processor 1380 is sent can be received and executed.In addition,
Touch panel 1331 can be realized using multiple types such as resistance-type, condenser type, infrared ray and surface acoustic waves.In addition to touch surface
Plate 1331, input unit 1330 can also include other input equipments 1332.Specifically, other input equipments 1332 may include
But in being not limited to physical keyboard, function key (such as volume control button, switch key etc.), trace ball, mouse, operating stick etc.
It is one or more.
Display unit 1340 can be used for showing information input by user or be supplied to user information and mobile phone it is each
Kind menu.Display unit 1340 may include display panel 1341, optionally, can use liquid crystal display (liquid
Crystal display, LCD), the forms such as Organic Light Emitting Diode (organic light-emitting diode, OLED)
To configure display panel 1341.Further, touch panel 1331 can cover display panel 1341, when touch panel 1331 detects
After arriving touch operation on it or nearby, processor 1380 is sent to determine the type of touch event, is followed by subsequent processing device
1380 provide corresponding visual output according to the type of touch event on display panel 1341.Although in Figure 13, touch surface
Plate 1331 and display panel 1341 are the input and input function for realizing mobile phone as two independent components, but certain
In embodiment, can be integrated by touch panel 1331 and display panel 1341 and that realizes mobile phone output and input function.
Mobile phone may also include at least one sensor 1350, such as optical sensor, motion sensor and other sensors.
Specifically, optical sensor may include ambient light sensor and proximity sensor, wherein ambient light sensor can be according to ambient light
Light and shade adjust the brightness of display panel 1341, proximity sensor can close display panel when mobile phone is moved in one's ear
1341 and/or backlight.As a kind of motion sensor, accelerometer sensor can detect in all directions (generally three axis) and add
The size of speed can detect that size and the direction of gravity when static, can be used to identify application (such as the horizontal/vertical screen of mobile phone posture
Switching, dependent game, magnetometer pose calibrating), Vibration identification correlation function (such as pedometer, tap) etc.;Also as mobile phone
The other sensors such as configurable gyroscope, barometer, hygrometer, thermometer, infrared sensor, details are not described herein.
Voicefrequency circuit 1360, loudspeaker 1361, microphone 1362 can provide the audio interface between user and mobile phone.Audio
Electric signal after the audio data received conversion can be transferred to loudspeaker 1361, be converted by loudspeaker 1361 by circuit 1360
For voice signal output;On the other hand, the voice signal of collection is converted to electric signal by microphone 1362, by voicefrequency circuit 1360
Audio data is converted to after reception, then by after the processing of audio data output processor 1380, through RF circuit 1310 to be sent to ratio
Such as another mobile phone, or audio data is exported to memory 1320 to be further processed.
WiFi belongs to short range wireless transmission technology, and mobile phone can help user's transceiver electronics postal by WiFi module 1370
Part, browsing webpage and access streaming video etc., it provides wireless broadband internet access for user.Although Figure 13 is shown
WiFi module 1370, but it is understood that, and it is not belonging to must be configured into for mobile phone, it can according to need do not changing completely
Become in the range of the essence of invention and omits.
Processor 1380 is the control centre of mobile phone, using the various pieces of various interfaces and connection whole mobile phone,
By running or execute the software program and/or module that are stored in memory 1320, and calls and be stored in memory 1320
Interior data execute the various functions and processing data of mobile phone, to carry out integral monitoring to mobile phone.Optionally, processor
1380 may include one or more processing units;Optionally, processor 1380 can integrate application processor and modulation /demodulation processing
Device, wherein the main processing operation system of application processor, user interface and application program etc., modem processor is mainly located
Reason wireless communication.It is understood that above-mentioned modem processor can not also be integrated into processor 1380.
Mobile phone further includes the power supply 1390 (such as battery) powered to all parts, and optionally, power supply can pass through power supply
Management system and processor 1380 are logically contiguous, to realize management charging, electric discharge and power consumption pipe by power-supply management system
The functions such as reason.
Although being not shown, mobile phone can also include camera, bluetooth module etc., and details are not described herein.
In the embodiment of the present application, processor 1380 included by the terminal is also with the following functions:
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein information change request carries target pair
The mark of elephant;
If information change request meets information change condition, according to corresponding to information change request target object
Second evaluation index information;
Second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node is obtained by block chain
The second evaluation index information is taken, block chain node determines the risk assessment information of target object according to the second evaluation index information.
In the embodiment of the present application, processor 1380 included by the terminal is also with the following functions:
Static wind is determined according to the static evaluation indication information in the second evaluation index information and the static weight of setting
Dangerous dimension rank score;
Dynamic wind is determined according to the changeable weight of dynamic evaluation indication information and setting in the second evaluation index information
Dangerous dimension rank score;
Mesh is determined according to static risk dimension rank score, dynamic risk dimension rank score and the dimension weight of setting
Mark the risk class scoring of object.
In the embodiment of the present application, processor 1380 included by the terminal is also with the following functions:
Numberical range where the scoring of the risk class of target object determines the risk rating of target object;
The risk rating of target object is recorded to block chain and synchronizes storage.
In the embodiment of the present application, processor 1380 included by the terminal is also with the following functions:
First evaluation index information corresponding to target object is recorded to block chain and synchronizes storage;
Obtain the first evaluation index information corresponding to target object specifically: it is right to obtain target object institute by block chain
The the first evaluation index information answered.
In the embodiment of the present application, processor 1380 included by the terminal is also with the following functions:
If the risk class scoring of target object is greater than given threshold, the first risk control of setting is executed to target object
Measure processed;
If the risk class scoring of target object is less than or equal to given threshold, the second of setting is executed to target object
Risk control measure.
First evaluation index information and the second evaluation index information are evaluation index information, and evaluation index information includes quiet
State evaluation index information and dynamic evaluation indication information, static evaluation indication information include type of credential, certificate information, the age,
One of occupation and place region are a variety of, and dynamic evaluation indication information includes transaction amount, transaction content, counterparty
One of formula, trading frequency and transaction Internet protocol address are a variety of.
The case where node device is server, will be described in detail below:
Figure 14 is a kind of server architecture schematic diagram provided by the embodiments of the present application, which can be because of configuration or property
Energy is different and generates bigger difference, may include one or more central processing units (central processing
Units, CPU) 1422 (for example, one or more processors) and memory 1432, one or more storage applications
The storage medium 1430 (such as one or more mass memory units) of program 1442 or data 1444.Wherein, memory
1432 and storage medium 1430 can be of short duration storage or persistent storage.The program for being stored in storage medium 1430 may include one
A or more than one module (diagram does not mark), each module may include to the series of instructions operation in server.More into
One step, central processing unit 1422 can be set to communicate with storage medium 1430, execute storage medium on server 1400
Series of instructions operation in 1430.
Server 1400 can also include one or more power supplys 1426, one or more wired or wireless nets
Network interface 1450, one or more input/output interfaces 1458, and/or, one or more operating systems 1441, example
Such as Windows ServerTM, Mac OS XTM, UnixTM,LinuxTM, FreeBSDTMEtc..
The step as performed by server can be based on server architecture shown in the Figure 14 in above-described embodiment.
In the embodiment of the present application, following steps can also be performed in central processing unit 1422:
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein information change request carries target pair
The mark of elephant;
If information change request meets information change condition, according to corresponding to information change request target object
Second evaluation index information;
Second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node is obtained by block chain
The second evaluation index information is taken, block chain node determines the risk assessment information of target object according to the second evaluation index information.
In the embodiment of the present application, following steps can also be performed in central processing unit 1422:
Static wind is determined according to the static evaluation indication information in the second evaluation index information and the static weight of setting
Dangerous dimension rank score;
Dynamic wind is determined according to the changeable weight of dynamic evaluation indication information and setting in the second evaluation index information
Dangerous dimension rank score;
Mesh is determined according to static risk dimension rank score, dynamic risk dimension rank score and the dimension weight of setting
Mark the risk class scoring of object.
In the embodiment of the present application, following steps can also be performed in central processing unit 1422:
Numberical range where the scoring of the risk class of target object determines the risk rating of target object;
The risk rating of target object is recorded to block chain and synchronizes storage.
In the embodiment of the present application, following steps can also be performed in central processing unit 1422:
First evaluation index information corresponding to target object is recorded to block chain and synchronizes storage;
Obtain the first evaluation index information corresponding to target object specifically: it is right to obtain target object institute by block chain
The the first evaluation index information answered.
In the embodiment of the present application, following steps can also be performed in central processing unit 1422:
If the risk class scoring of target object is greater than given threshold, the first risk control of setting is executed to target object
Measure processed;
If the risk class scoring of target object is less than or equal to given threshold, the second of setting is executed to target object
Risk control measure.
First evaluation index information and the second evaluation index information are evaluation index information, and evaluation index information includes quiet
State evaluation index information and dynamic evaluation indication information, static evaluation indication information include type of credential, certificate information, the age,
One of occupation and place region are a variety of, and dynamic evaluation indication information includes transaction amount, transaction content, counterparty
One of formula, trading frequency and transaction Internet protocol address are a variety of.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
Claims (10)
1. a kind of method of information evaluation characterized by comprising
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein the information change request carries institute
State the mark of target object;
If the information change request meets information change condition, according to target object described in information change request
The second corresponding evaluation index information;
The second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node passes through the block
Chain obtains the second evaluation index information, and the block chain node determines the target according to the second evaluation index information
The risk assessment information of object.
2. the method according to claim 1, wherein described according to the second evaluation index information determination
The risk assessment information of target object includes:
Static wind is determined according to the static evaluation indication information in the second evaluation index information and the static weight of setting
Dangerous dimension rank score;
Dynamic wind is determined according to the changeable weight of dynamic evaluation indication information and setting in the second evaluation index information
Dangerous dimension rank score;
It is true according to the static risk dimension rank score, the dynamic risk dimension rank score and the dimension weight of setting
The risk class scoring of the fixed target object.
3. according to the method described in claim 2, it is characterized in that, described according to the static risk dimension rank score, institute
The dimension weight calculation for stating dynamic risk dimension rank score and setting obtains the risk class of the target object and scores it
Afterwards, the method also includes:
Numberical range where the scoring of the risk class of the target object determines the risk rating of the target object;
The risk rating of the target object is recorded to block chain and synchronizes storage.
4. the method according to claim 1, wherein the first evaluation index corresponding to the acquisition target object
Before information, the method also includes:
The first evaluation index information corresponding to the target object is recorded to the block chain and synchronizes storage;
First evaluation index information corresponding to the acquisition target object specifically: the target is obtained by the block chain
The first evaluation index information corresponding to object.
5. according to the method described in claim 2, it is characterized in that, described according to the second evaluation index information determination
After the risk assessment information of target object, the method also includes:
If the risk class scoring of the target object is greater than given threshold, the of setting is executed to the target object
One risk control measure;
If the risk class scoring of the target object is less than or equal to given threshold, target object execution is set
The second fixed risk control measure.
6. according to the method described in claim 2, it is characterized in that, static evaluation index in the second evaluation index information
Information includes one of type of credential, certificate information, age, occupation and place region or a variety of.
7. according to the method described in claim 2, it is characterized in that, dynamic evaluation index in the second evaluation index information
Information includes one of transaction amount, transaction content, mode of doing business, trading frequency and transaction Internet protocol address or more
Kind.
8. a kind of device of information evaluation characterized by comprising
Acquiring unit, for obtaining the first evaluation index information corresponding to target object;
Acquiring unit is also used to when the first evaluation index information change, obtains information change request, wherein the letter
Breath change request carries the mark of the target object;
Processing unit obtains if meeting information change condition for information change request according to information change request
Take the second evaluation index information corresponding to the target object;
Processing unit, is also used to record the second evaluation index information to block chain and synchronizes storage, so that block chain
Node obtains the second evaluation index information by the block chain, and the block chain node is according to second evaluation index
Information determines the risk assessment information of the target object.
9. a kind of node device characterized by comprising memory, transceiver, processor and bus system;
Wherein, the memory is for storing program;
The processor is used to execute the program in the memory, includes the following steps:
Obtain the first evaluation index information corresponding to target object;
When the first evaluation index information change, information change request is obtained, wherein the information change request carries institute
State the mark of target object;
If the information change request meets information change condition, according to target object described in information change request
The second corresponding evaluation index information;
The second evaluation index information is recorded to block chain and synchronizes storage, so that block chain node passes through the block
Chain obtains the second evaluation index information, and the block chain node determines the target according to the second evaluation index information
The risk assessment information of object;
The bus system is for connecting the memory and the processor, so that the memory and the processor
It is communicated.
10. a kind of computer readable storage medium, which is characterized in that including instruction, when run on a computer, make to succeed in one's scheme
Calculation machine executes the method as described in any one of claims 1 to 7.
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