WO2020220763A1 - 基于区块链的信用记录、查询方法及装置和电子设备 - Google Patents

基于区块链的信用记录、查询方法及装置和电子设备 Download PDF

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Publication number
WO2020220763A1
WO2020220763A1 PCT/CN2020/072130 CN2020072130W WO2020220763A1 WO 2020220763 A1 WO2020220763 A1 WO 2020220763A1 CN 2020072130 W CN2020072130 W CN 2020072130W WO 2020220763 A1 WO2020220763 A1 WO 2020220763A1
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Prior art keywords
blockchain
query
user
credit score
target
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PCT/CN2020/072130
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English (en)
French (fr)
Inventor
程龙
李艳鹏
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创新先进技术有限公司
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Application filed by 创新先进技术有限公司 filed Critical 创新先进技术有限公司
Priority to US16/776,272 priority Critical patent/US11106659B2/en
Priority to US16/945,670 priority patent/US11100093B2/en
Publication of WO2020220763A1 publication Critical patent/WO2020220763A1/zh
Priority to US17/460,449 priority patent/US11886423B2/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management

Definitions

  • the embodiments of this specification relate to the field of blockchain technology, and in particular to a credit record, query method and device and electronic equipment based on blockchain.
  • Blockchain technology also known as distributed ledger technology, is an emerging technology in which several computing devices participate in “bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology is widely used in many fields. application.
  • the embodiment of this specification provides a blockchain-based credit record, query method and device, and electronic equipment:
  • a blockchain-based credit record method including:
  • the business system submits user behavior data to the access gateway, where the user behavior data includes a user identifier
  • the identification hash system performs a reversible conversion on the user identification based on a reversible conversion function; and performs a hash digest calculation on the converted user identification to generate a hash digest;
  • the access gateway After replacing the user identification in the user behavior data with the hash digest, the access gateway assembles the user behavior data into a behavior transaction, and sends the behavior transaction to the node device of the blockchain;
  • the node device invokes the credit score calculation logic declared in the smart contract corresponding to the behavior transaction, and stores the credit score calculated based on the user behavior data in the blockchain.
  • a blockchain-based credit query method includes:
  • the business system sends a user credit query request to the access gateway; wherein the request includes a user ID;
  • the identification hashing system responds to the hashing request to obtain each hash digest related to the user identification;
  • the access gateway assembles the respective hash digests into query transactions, and sends the query transactions to the node device of the blockchain;
  • the node device invokes the calculation logic of the total statement of the smart contract corresponding to each hash digest in the query transaction, and weights the credit scores corresponding to each hash digest to obtain the total credit score;
  • a blockchain-based credit record method is provided, the method is applied to an access gateway, and the method includes:
  • the behavior data is packaged into a deposit transaction and sent to the node device of the blockchain, so that the node device responds to the deposit transaction and invokes the target business system to publish on the blockchain.
  • the calculation logic declared in the smart contract calculates the credit score of the target user based on the behavior data, and deposits the credit score of the target user under the target business system.
  • a blockchain-based credit record method the method is applied to a node device of the blockchain, and the method includes:
  • a blockchain-based credit query method is provided, the method is applied to an access gateway, and the method includes:
  • the credit score of the target user in each business system is calculated based on the credit score of each business system;
  • a blockchain-based credit query method is provided, the method is applied to a node device of the blockchain, and the method includes:
  • a blockchain-based credit record device the device is applied to an access gateway, and the device includes:
  • the obtaining unit obtains the behavior data of the target user submitted by the target business system
  • the recording unit packs the behavior data into a deposit transaction and sends it to the node device of the blockchain, so that the node device responds to the deposit transaction and invokes the target business system to publish in the zone
  • the calculation logic stated in the smart contract of the block chain calculates the credit score of the target user based on the behavior data, and stores the credit score of the target user under the target business system.
  • a credit recording device based on a blockchain the device is applied to a node device of the blockchain, and the device includes:
  • the receiving unit receives the deposit certificate transaction packaged based on the target user's behavior data submitted by the target business system sent by the access gateway;
  • the recording unit in response to the deposit transaction, invokes the calculation logic declared in the smart contract of the blockchain by the target business system, calculates the target user's credit score based on the behavior data, and deposits the certificate The credit score of the target user under the target business system.
  • a blockchain-based credit query device the device is applied to an access gateway, and the device includes:
  • the receiving unit receives the credit score query request for the target user submitted by the target business system
  • the query unit submits a query transaction for the target user to the node device of the blockchain; so that the node device calls the calculation logic declared in the smart contract published on the blockchain in response to the query transaction, Query the credit score of the target user in each business system, and calculate the total credit score according to the credit score of each business system;
  • the returning unit returns the total credit score of the target user included in the query result returned by the node device to the target service system.
  • a credit query device based on a blockchain the device is applied to a node device of the blockchain, and the device includes:
  • the receiving unit receives the query transaction for the target user submitted by the access gateway
  • the query unit in response to the query transaction, calls the calculation logic declared in the smart contract published on the blockchain, queries the credit score of the target user in each business system, and calculates the total credit based on the credit score of each business system Minute;
  • the returning unit returns the total credit score of the target user included in the query result returned by the node device to the target service system.
  • an electronic device including:
  • a memory for storing processor executable instructions
  • the processor is configured as any one of the aforementioned blockchain-based credit recording methods.
  • an electronic device including:
  • a memory for storing processor executable instructions
  • the processor is configured as any one of the aforementioned blockchain-based credit query methods.
  • the embodiment of this specification provides a blockchain-based credit record scheme.
  • the node device of the blockchain can call the target business system and publish it in the block
  • the calculation logic declared in the smart contract of the chain calculates the credit score of the target user based on the behavior data, and deposits the credit score of the target user under the target business system.
  • the node device of the blockchain can call the calculation logic declared in the smart contract published on the blockchain to query the The target user's credit score in each business system is calculated based on the credit score of each business system. In this way, based on the non-tamperable and open and transparent characteristics of the blockchain, the credit evaluation process for users in each business system is made public and fair.
  • FIG. 1 is a schematic flowchart of a credit record method based on blockchain provided by an embodiment of this specification
  • FIG. 2 is an embodiment of the method with a business system as the main body shown in FIG. 1;
  • FIG. 3 is an embodiment of the method corresponding to the node device of the blockchain shown in FIG. 1 as the main body;
  • FIG. 4 is a schematic flowchart of a credit query method based on blockchain provided by an embodiment of this specification
  • FIG. 5 is an embodiment corresponding to the method with a business system as the main body shown in FIG. 4;
  • FIG. 6 is an embodiment of the method with the node device of the blockchain as the main body shown in FIG. 4;
  • FIG. 7 is a schematic diagram of modules of a blockchain-based credit recording device provided by an embodiment of this specification.
  • FIG. 8 is a schematic diagram of modules of a blockchain-based credit recording device provided by an embodiment of this specification.
  • FIG. 9 is a schematic diagram of modules of a blockchain-based credit query device provided by an embodiment of this specification.
  • Fig. 10 is a schematic diagram of modules of a blockchain-based credit query device provided by an embodiment of this specification.
  • first, second, third, etc. may be used in this specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish the same type of information from each other.
  • first information may also be referred to as second information, and similarly, the second information may also be referred to as first information.
  • word “if” as used herein can be interpreted as "when” or “when” or "in response to determination”.
  • the user's credit rating is usually calculated based on the user's behavior data.
  • the user's behavior data is a social attribute and should be shared for social resources to jointly promote social and economic development.
  • user data privacy Another problem facing the publicization of user behavior data is user data privacy; if user credit needs to be disclosed, then user behavior data must also be disclosed, but since user behavior data involves user privacy, it may Will lead to infringement and illegal use of user privacy. Therefore, an open and transparent credit record solution that is open to the outside world is needed, and user privacy needs to be guaranteed.
  • a blockchain-based credit record scheme is provided.
  • the node device of the blockchain can call the target business system and publish it in the district.
  • the calculation logic stated in the smart contract of the block chain calculates the credit score of the target user based on the behavior data, and stores the credit score of the target user under the target business system.
  • the node device of the blockchain can call the calculation logic declared in the smart contract published on the blockchain to query the The target user's credit score in each business system is calculated based on the credit score of each business system.
  • the credit evaluation process for users in each business system is made public and fair.
  • the user's real identity exposed in the user behavior data can be hidden by converting the user identification into a hash digest, thereby avoiding the leakage and infringement of user privacy data.
  • the aggregated user integrity data access mechanism it is possible to accurately and comprehensively query the user integrity score, thereby avoiding the leakage of user original behavior data and identity guessing.
  • the credit evaluation mechanism declared in the smart contract can be used to set weights for different business systems, incentivizing the settled business systems to improve data accuracy and cost-effectiveness (the higher the quality of the data provided, the higher the weight is set accordingly), and the overall improvement The data value of this blockchain-based credit system.
  • the blockchain described in this specification can specifically include private chains, shared chains, and alliance chains, etc., which are not particularly limited in this specification.
  • the above-mentioned blockchain may specifically be a consortium chain composed of platform parties, reviewers, impartial parties, publicity parties, etc. as consortium members; the operator of the consortium chain can rely on the consortium chain to Deploy the corresponding services; and the platform parties, reviewers, fair parties, and publicity parties that are members of the alliance described above can all serve as a business node for the above services.
  • Each business node can publish the business-related information generated or received by itself in the alliance chain in the form of transactions, and after the transaction is processed by the consensus node in the alliance chain, the distribution in the alliance chain It is stored in a database to complete the "chain" deposit of the above-mentioned transaction information.
  • Transaction refers to a piece of data that is created by the client of the blockchain and needs to be finally released to the distributed database of the blockchain.
  • the transactions in the blockchain usually have a narrow transaction and a broad transaction.
  • a transaction in a narrow sense refers to a value transfer issued by a user to the blockchain; for example, in a traditional Bitcoin blockchain network, a transaction can be a transfer initiated by the user in the blockchain.
  • a transaction refers to a piece of business data with business intent released by a user to the blockchain; for example, an operator can build a consortium chain based on actual business needs, and rely on the consortium chain to deploy some other types that are not related to value transfer Online services (for example, deposit certificate services, anti-counterfeiting verification services, etc.), and in this type of alliance chain, a transaction can be a business message or service request with business intent issued by a user in the alliance chain.
  • the foregoing client may include any type of upper-level application that uses the underlying business data stored in the blockchain as data support to implement specific business functions.
  • the nodes in the blockchain usually need to rely on the corresponding smart contract (Smart contract) to operate on the block.
  • Smart contract may be a computer protocol that is intended to be applied on a blockchain that can be deployed on a blockchain to spread, verify, or execute the contract in an informatized manner.
  • the corresponding operations can be implemented by declaring business logic in the smart contract.
  • Smart contracts allow for trusted transactions without a third party. These transactions are traceable and irreversible. Smart contracts can provide better security than traditional contract methods and reduce other transaction costs related to contracts.
  • a smart contract can be deployed locally on a blockchain node. When the node needs to perform a certain action, the corresponding smart contract can be called, and the smart contract can be run to execute the business logic declared in the smart contract to obtain the execution result.
  • the platform party can perform system maintenance and data calculation; the review party can be responsible for the qualification review and filing of the business system, and the review of smart contracts; the notary party can be responsible for notarized storage of data; the public party can be responsible for the publicity of smart contracts and credit data Announcement etc.
  • the platform party can perform system maintenance and data calculation; the review party can be responsible for the qualification review and filing of the business system, and the review of smart contracts; the notary party can be responsible for notarized storage of data; the public party can be responsible for the publicity of smart contracts and credit data Announcement etc.
  • other platform nodes may also participate, responsible for data calculation and persistence.
  • the business sends an application for settled transactions to the platform party and submits qualification-related information.
  • the platform party will package and trade the qualification information and send the blockchain to apply for admission.
  • the block chain executes the smart contract of the settle application, and informs each reviewer to conduct the settlement review.
  • Each reviewer sends the review results to the blockchain, and the blockchain executes the smart contract for the entry application and summarizes the review results.
  • the blockchain will notify the platform party of the audit result, and the platform party will notify the business party of the result.
  • the business party can create a smart contract for credit calculation (hereinafter referred to as a credit contract) that meets its own business scenario according to the smart contract standard, and send the credit contract creation application.
  • a credit contract a smart contract for credit calculation
  • the platform party packages the application transaction of the credit contract and sends it to the blockchain.
  • the blockchain notifies each reviewer and platform party to conduct contract review.
  • the blockchain aggregates the audit results and informs the platform and publicity parties of the audit results.
  • the platform party After the platform party receives the audit result, if the audit is passed, it will send a smart contract creation transaction and create the corresponding smart contract.
  • the blockchain will calculate the summary of the credit contract and verify whether the contract is approved and valid; after the verification is passed, it will be created.
  • the method can be applied to a system architecture including a business system, a blockchain, an access gateway, and an identification hash system.
  • an access gateway may be provided to uniformly deploy the certificate deposit requests of each service system.
  • the access gateway may be connected to multiple different business systems and be associated with the blockchain, and the access gateway may be a node device on the blockchain.
  • Each business system can implement the user's credit record according to the following steps.
  • the business system submits user behavior data to the access gateway.
  • the behavior data contains the user identification of the user.
  • the access gateway sends a hash request for the user identity to the identity hash system.
  • the identification hash system responds to the hash request and performs reversible conversion of the user identification based on a reversible conversion function.
  • the identification hash system generates a check code for the generated hash digest to prevent the hash digest from being tampered with.
  • the access gateway replaces the user identifier in the user behavior data with the hash digest.
  • the access gateway hides the real identity of the user exposed in the user behavior data by converting the user identification into a hash digest, thereby avoiding the leakage and infringement of user privacy data.
  • the node device calls the credit score calculation logic declared in the smart contract corresponding to the behavior transaction, and stores the credit score calculated based on the user behavior data in the blockchain.
  • the evaluation of user credit based on user behavior data is realized through the smart contract of the blockchain, and the evaluation process is made public and fair.
  • the node device returns the transaction result to the access gateway.
  • the access gateway provides the transaction result returned by the node device to the business system.
  • Step 210 Obtain the behavior data of the target user submitted by the target business system
  • Step 220 Pack the behavior data into a deposit transaction and send it to the node device of the blockchain, so that the node device responds to the deposit transaction and calls the target business system to publish it in the zone.
  • the calculation logic declared in the smart contract of the block chain calculates the credit score of the target user based on the behavior data, and deposits the credit score of the target user under the target business system.
  • the behavior data includes the user identification of the target user; before the behavior data is packaged as a deposit transaction and sent to the node device of the blockchain, the method further includes :
  • Said packaging the behavior data into a deposit transaction and sending it to the node device of the blockchain specifically includes:
  • the user identification in the behavior data is replaced with the hash digest, and the behavior data is packaged as a deposit transaction and sent to the node device of the blockchain.
  • the generating the corresponding hash digest according to the user identifier specifically includes:
  • the performing hash digest calculation for the user identification to generate a hash digest specifically includes:
  • a hash digest calculation is performed on the converted user ID to generate a hash digest.
  • a check code is added to the hash digest.
  • Step 310 Receive a certificate transaction packaged based on the target user's behavior data submitted by the target service system from the access gateway;
  • Step 320 In response to the deposit transaction, call the calculation logic declared in the smart contract of the blockchain by the target business system, calculate the target user's credit score based on the behavior data, and deposit the certificate The credit score of the target user under the target business system.
  • the behavior data includes a hash digest
  • the hash digest includes a hash digest calculation generated for the user identification of the target user.
  • the performing hash digest calculation for the user identification of the target user specifically includes:
  • a hash digest calculation is performed on the converted user ID to generate a hash digest.
  • a check code is added to the hash digest.
  • the embodiment of this specification provides a blockchain-based credit record scheme.
  • the node device of the blockchain can call the target business system and publish it on
  • the calculation logic declared in the smart contract of the blockchain calculates the credit score of the target user based on the behavior data, and deposits the credit score of the target user under the target business system.
  • the credit evaluation process for users in each business system is made public and fair.
  • the user's real identity exposed in the user behavior data can be hidden by converting the user identification into a hash digest, thereby avoiding the leakage and infringement of user privacy data.
  • the method can be applied to a system architecture including a business system, a blockchain, an access gateway, and an identification hash system. This method can be executed based on the credit record shown in Figure 1 above.
  • an access gateway may be provided to uniformly deploy the certificate deposit requests of each service system.
  • the access gateway may be connected to multiple different business systems and be associated with the blockchain, and the access gateway may be a node device on the blockchain.
  • Each business system can implement the user's credit record according to the following steps.
  • the business system sends a user credit query request to the access gateway.
  • any business system When any business system needs to obtain the credit information of the target user, it can send a query to the access gateway to request the credit of the target user.
  • the request includes the user identification of the target user.
  • the access gateway sends a hash request of the user identity to the identity hashing system.
  • each hash digest related to the target user can be obtained from the identification hash system.
  • the identification hash system responds to the hash request and obtains each hash digest related to the user identification.
  • the access gateway assembles the respective hash digests into query transactions, and sends the query transactions to the node device of the blockchain.
  • the node device invokes the calculation logic of the total statement of the smart contract corresponding to each hash digest in the query transaction, and weights the credit scores corresponding to each hash digest to obtain the total credit score.
  • Step 410 Receive a credit score query request for the target user submitted by the target business system
  • Step 420 Submit a query transaction for the target user to the node device of the blockchain; so that the node device, in response to the query transaction, invokes the calculation logic declared in the smart contract published on the blockchain, Query the credit score of the target user in each business system, and calculate the total credit score according to the credit score of each business system;
  • Step 430 Return the total credit score of the target user included in the query result returned by the node device to the target service system.
  • the credit score query request includes the user identification of the target user; before submitting the query transaction for the target user to the node device of the blockchain, the method further includes:
  • the submitting the query transaction for the target user to the node device of the blockchain specifically includes:
  • the query of the credit score of the target user in each business system specifically includes:
  • the calculation of the total credit score according to the credit score of each business system specifically includes:
  • the credit score of each business system is weighted and calculated, and the weighted total credit score is calculated.
  • Step 510 Receive the query transaction for the target user submitted by the access gateway
  • Step 520 In response to the query transaction, call the calculation logic declared in the smart contract published on the blockchain, query the credit score of the target user in each business system, and calculate the total credit based on the credit score of each business system Minute;
  • Step 530 Return the total credit score of the target user included in the query result returned by the node device to the target service system.
  • the query transaction includes a hash digest
  • the hash digest is a hash value obtained by hashing the user identification of the target user
  • the query of the credit score of the target user in each business system specifically includes:
  • the calculation of the total credit score according to the credit score of each business system specifically includes:
  • the credit score of each business system is weighted and calculated, and the weighted total credit score is calculated.
  • the embodiment of this specification provides a blockchain-based credit query scheme.
  • the node device of the blockchain can call and publish the The calculation logic declared in the smart contract of the blockchain queries the credit score of the target user in each business system, and calculates the total credit score according to the credit score of each business system.
  • the aggregated user integrity data access mechanism it is possible to accurately and comprehensively query the user integrity score, thereby avoiding the leakage of user original behavior data and identity guessing.
  • the credit evaluation mechanism declared in the smart contract can be used to set weights for different business systems, incentivizing the settled business systems to improve data accuracy and cost-effectiveness (the higher the quality of the data provided, the higher the weight is set accordingly), and the overall improvement The data value of this blockchain-based credit system.
  • this specification also provides embodiments of blockchain-based credit records and query devices.
  • the device embodiments can be implemented by software, or by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer business program instructions in the non-volatile memory into the memory through the processor of the device where it is located. From a hardware perspective, in addition to the processor, network interface, memory, and non-volatile memory, the device where the device is located in the embodiment usually queries actual functions based on blockchain-based credit records, and may also include other hardware. I won't repeat it here.
  • FIG. 7 is a block diagram of a blockchain-based credit recording device provided by an embodiment of this specification.
  • the device corresponds to the embodiment shown in FIG. 2, and the device includes:
  • the obtaining unit 710 obtains the behavior data of the target user submitted by the target business system
  • the recording unit 720 which packages the behavior data into a deposit transaction and sends it to the node device of the blockchain, so that the node device, in response to the deposit transaction, invokes the target business system and publishes it on the
  • the calculation logic declared in the smart contract of the blockchain calculates the credit score of the target user based on the behavior data, and stores the credit score of the target user under the target business system.
  • the behavior data includes the user identification of the target user
  • the recording unit 720 includes:
  • the sending subunit replaces the user identification in the behavior data with the hash digest, packs the behavior data into a deposit transaction, and sends it to the node device of the blockchain.
  • the generating subunit specifically includes:
  • the performing hash digest calculation for the user identifier to generate a hash digest specifically includes:
  • a hash digest calculation is performed on the converted user ID to generate a hash digest.
  • a check code is added to the hash digest.
  • FIG. 8 is a block diagram of a blockchain-based credit record device provided by an embodiment of this specification.
  • the device corresponds to the embodiment shown in FIG. 3, and the device includes:
  • the receiving unit 810 receives a certificate transaction packaged based on the behavior data of the target user submitted by the target service system and sent by the access gateway;
  • the recording unit 820 in response to the deposit transaction, invokes the calculation logic declared in the smart contract of the blockchain by the target business system, calculates the target user's credit score based on the behavior data, and saves Prove the credit score of the target user under the target business system.
  • the behavior data includes a hash digest
  • the hash digest includes a hash digest calculation generated for the user identification of the target user.
  • the performing hash digest calculation for the user identity of the target user specifically includes:
  • a hash digest calculation is performed on the converted user ID to generate a hash digest.
  • a check code is added to the hash digest.
  • Fig. 9 is a block diagram of a blockchain-based credit query device provided by an embodiment of this specification.
  • the device corresponds to the embodiment shown in Fig. 5, and the device includes:
  • the receiving unit 910 receives the credit score query request for the target user submitted by the target service system
  • the query unit 920 submits a query transaction for the target user to the node device of the blockchain; so that the node device, in response to the query transaction, invokes the calculation logic declared in the smart contract published on the blockchain , Query the credit score of the target user in each business system, and calculate the total credit score according to the credit score of each business system;
  • the returning unit 930 returns the total credit score of the target user included in the query result returned by the node device to the target service system.
  • the credit score query request includes the user identifier of the target user
  • the query unit 920 Before the query unit 920, it also includes:
  • the query unit 920 submits the query transaction for the target user to the node device of the blockchain, which specifically includes:
  • the query of the credit score of the target user in each business system specifically includes:
  • the calculation of the total credit score based on the credit score of each business system specifically includes:
  • the credit score of each business system is weighted and calculated, and the weighted total credit score is calculated.
  • FIG. 10 is a block diagram of a blockchain-based credit query device provided by an embodiment of this specification.
  • the device corresponds to the embodiment shown in FIG. 6, and the device includes:
  • the receiving unit 1010 receives the query transaction for the target user submitted by the access gateway
  • the query unit 1020 in response to the query transaction, calls the calculation logic declared in the smart contract issued on the blockchain, queries the credit score of the target user in each business system, and calculates the total credit score based on the credit score of each business system. Credit score
  • the returning unit 1030 returns the total credit score of the target user included in the query result returned by the node device to the target service system.
  • the query transaction includes a hash digest
  • the hash digest is a hash value obtained by hashing the user identification of the target user
  • the query of the credit score of the target user in each business system specifically includes:
  • the calculation of the total credit score based on the credit score of each business system specifically includes:
  • the credit score of each business system is weighted according to the weight of each business system, and the weighted total credit score is calculated.
  • a typical implementation device is a computer.
  • the specific form of the computer can be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email receiving and sending device, and a game control A console, a tablet computer, a wearable device, or a combination of any of these devices.
  • the relevant part can refer to the part of the description of the method embodiment.
  • the device embodiments described above are merely illustrative.
  • the units described as separate components may or may not be physically separated, and the components displayed as units may or may not be physical units, that is, they may be located in One place, or it can be distributed to multiple network units.
  • Some or all of the modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.
  • the above figure depicts the internal functional modules and structure of the blockchain-based credit record or query device.
  • the actual execution subject can be an electronic device, including:
  • a memory for storing processor executable instructions
  • the processor is configured to:
  • the processor may be a central processing unit (English: Central Processing Unit, abbreviated as: CPU), or other general-purpose processors or digital signal processors (English: Digital Signal Processor) , Referred to as DSP), application specific integrated circuit (English: Application Specific Integrated Circuit, referred to as ASIC), etc.
  • the general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc.
  • the aforementioned memory can be read-only memory (English: read-only memory, abbreviation: ROM), random access memory (English : Random access memory, referred to as RAM), flash memory, hard disk or solid state disk.
  • the steps of the method disclosed in the embodiments of the present invention may be directly embodied as being executed and completed by a hardware processor, or executed and completed by a combination of hardware and software modules in the processor.

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Abstract

一种基于区块链的信用记录、查询方法及装置和电子设备，包括：获取目标业务***提交的目标用户的行为数据；将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。以及，接收目标业务***提交的针对目标用户的信用分查询请求；向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。

Description

基于区块链的信用记录、查询方法及装置和电子设备 技术领域
本说明书实施例涉及区块链技术领域，尤其涉及一种基于区块链的信用记录、查询方法及装置和电子设备。
背景技术
区块链技术，也被称之为分布式账本技术，是一种由若干台计算设备共同参与“记账”，共同维护一份完整的分布式数据库的新兴技术。由于区块链技术具有去中心化、公开透明、每台计算设备可以参与数据库记录、并且各计算设备之间可以快速的进行数据同步的特性，使得区块链技术在众多的领域中广泛的进行应用。
发明内容
本说明书实施例提供的一种基于区块链的信用记录、查询方法及装置和电子设备：
根据本说明书实施例的第一方面，提供一种基于区块链的信用记录方法，所述方法包括：
业务***向接入网关提交用户行为数据，其中，所述用户行为数据中包含有用户标识；
所述接入网关向标识散列***发送所述用户标识的散列请求；
所述标识散列***响应所述散列请求，基于可逆转换函数，对所述用户标识进行可逆转换；并针对转换后的用户标识进行哈希摘要计算以生成哈希摘要；
针对哈希摘要生成校验码，并将添加了校验码的哈希摘要返回给所述接入网关；
所述接入网关将所述用户行为数据中的用户标识替换为所述哈希摘要后，将用户行为数据组装为行为交易，并将行为交易发送至区块链的节点设备；
所述节点设备响应所述行为交易，调用所述行为交易对应的智能合约中声明的信用分计算逻辑，将基于用户行为数据计算的信用分存储在区块链中。
根据本说明书实施例的第二方面，提供一种基于区块链的信用查询方法，所述方法包括：
业务***向接入网关发送查询用户信用请求；其中，所述请求中包含有用户标识；
所述接入网关向标识散列***发送所述用户标识的散列请求；
所述标识散列***响应所述散列请求，获取所述用户标识相关的各个哈希摘要；
所述接入网关将所述各个哈希摘要组装为查询交易，并将查询交易发送至区块链的节点设备；
节点设备响应于所述查询交易，调用所述查询交易中各个哈希摘要对应的智能合约总声明的计算逻辑，将各个哈希摘要对应的信用分加权计算，得到总信用分；
将所述总信用分返回给所述节点设备，以使所述节点设备返回给业务***。
根据本说明书实施例的第三方面，提供一种基于区块链的信用记录方法，所述方法应用于接入网关，所述方法包括：
获取目标业务***提交的目标用户的行为数据；
将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
根据本说明书实施例的第四方面，提供一种基于区块链的信用记录方法，所述方法应用于区块链的节点设备，所述方法包括：
接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
根据本说明书实施例的第五方面，提供一种基于区块链的信用查询方法，所述方法应用于接入网关，所述方法包括：
接收目标业务***提交的针对目标用户的信用分查询请求；
向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标 用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
根据本说明书实施例的第六方面，提供一种基于区块链的信用查询方法，所述方法应用于区块链的节点设备，所述方法包括：
接收接入网关提交的针对目标用户的查询交易；
响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
根据本说明书实施例的第七方面，提供一种基于区块链的信用记录装置，所述装置应用于接入网关，所述装置包括：
获取单元，获取目标业务***提交的目标用户的行为数据；
记录单元，将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
根据本说明书实施例的第八方面，提供一种基于区块链的信用记录装置，所述装置应用于区块链的节点设备，所述装置包括：
接收单元，接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
记录单元，响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
根据本说明书实施例的第九方面，提供一种基于区块链的信用查询装置，所述装置应用于接入网关，所述装置包括：
接收单元，接收目标业务***提交的针对目标用户的信用分查询请求；
查询单元，向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
返回单元，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
根据本说明书实施例的第十方面，提供一种基于区块链的信用查询装置，所述装置应用于区块链的节点设备，所述装置包括：
接收单元，接收接入网关提交的针对目标用户的查询交易；
查询单元，响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
返回单元，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
根据本说明书实施例的第十一方面，提供一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为上述任一项基于区块链的信用记录方法。
根据本说明书实施例的第十二方面，提供一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为上述任一项基于区块链的信用查询方法。
本说明书实施例，提供了一种基于区块链的信用记录方案，针对目标业务***提交的目标用户的存证交易，区块链的节点设备可以调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。相应地，信用查询方案，针对任一业务***提交的目标用户的信用分查询请求，区块链的节点设备都可以调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务 ***的信用分计算总信用分。如此，基于区块链不可篡改和公开透明的特征，将针对用户在各业务***的信用评价过程公开化、公正化。
附图说明
图1是本说明书一实施例提供的基于区块链的信用记录方法的流程示意图；
图2是对应图1所示的以业务***为主体的方法实施例；
图3是对应图1所示的以区块链的节点设备为主体的方法实施例；
图4是本说明书一实施例提供的基于区块链的信用查询方法的流程示意图；
图5是对应图4所示的以业务***为主体的方法实施例；
图6是对应图4所示的以区块链的节点设备为主体的方法实施例；
图7是本说明书一实施例提供的基于区块链的信用记录装置的模块示意图；
图8是本说明书一实施例提供的基于区块链的信用记录装置的模块示意图；
图9是本说明书一实施例提供的基于区块链的信用查询装置的模块示意图；
图10是本说明书一实施例提供的基于区块链的信用查询装置的模块示意图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书的一些方面相一致的装置和方法的例子。
在本说明书使用的术语是仅仅出于描述特定实施例的目的，而非旨在限制本说明书。在本说明书和所附权利要求书中所使用的单数形式的“一种”、“所述”和“该”也旨在包括多数形式，除非上下文清楚地表示其他含义。还应当理解，本文中使用的术语“和/或”是指并包含一个或多个相关联的列出项目的任何或所有可能组合。
应当理解，尽管在本说明书可能采用术语第一、第二、第三等来描述各种信息，但这些信息不应限于这些术语。这些术语仅用来将同一类型的信息彼此区分开。例如，在不脱离本说明书范围的情况下，第一信息也可以被称为第二信息，类似地，第二信息也可以被称为第一信息。取决于语境，如在此所使用的词语“如果”可以被解释成为 “在……时”或“当……时”或“响应于确定”。
随着社会经济的不断发展，针对个人或者企业的信用记录变得尤为重要。特别是随着共享经济模式蓬勃发展，共享经济模式的背后，更是对用户信用的考验。现在用户信用体系的建设方式大多为中心私有化方式；各个企业通常都是单独建立一套自己使用的信用体型，收集到的数据作为核心资产并不对外披露。而且由于用户信用数据不可共享，各个企业对其它第三方提供的用户信用不认可，更加剧了各企业自己建立信用体型的动机。可见，现有技术中，存在重复“造轮子”的现象，导致大量资源的浪费；而且由于信用评价体系都是私有的，信用评价过程存在不公开，不透明的问题。
在另一方面，用户的信用评价通常是根据用户的行为数据进行计算的。而用户的行为数据是社会属性，应该为社会资源共享，共同推进社会经济的发展。然而，用户行为数据公开化面临的另一个问题便是用户数据隐私；如果需要将用户信用公开，那么势必也需要将用户的行为数据公开，但是由于用户的行为数据涉及到用户隐私，公开后可能会引发对用户隐私的侵犯和非法利用。因此，需要一种公开透明的对外开放的信用记录方案，并且还需要保证用户隐私。
本说明书实施例中，提供了一种基于区块链的信用记录方案，对目标业***提交的目标用户的存证交易，区块链的节点设备可以调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。相应地，信用查询方案，针对任一业务***提交的目标用户的信用分查询请求，区块链的节点设备都可以调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分。如此，基于区块链不可篡改和公开透明的特征，将针对用户在各业务***的信用评价过程公开化、公正化。另一方面，可以通过将用户标识转换为哈希摘要的方式，隐藏用户行为数据中暴露的用户真实身份，从而避免用户隐私数据的泄漏与侵犯。通过聚合化的用户诚信数据访问机制，能够准确地综合查询用户诚信分值，从而避免用户原始行为数据的泄露与身份猜测。再一方面，可以通过智能合约中声明的信用评估机制，为不同业务***设置权重，激励入驻的业务***提高数据准确性与性价比(提供数据质量越高，权重也相应设置越高)，整体提高该基于区块链的信用体系的数据价值。
在本说明书所描述的区块链，具体可以包括私有链、共有链以及联盟链等，在本说明书中不进行特别限定。
例如，在一个场景中，上述区块链具体可以是由平台方、审核方、公正方、公示方等作为联盟成员组成的一个联盟链；该联盟链的运营方可以依托于该联盟链，来部署相应的业务；而以上所描述的作为联盟成员的平台方、审核方、公正方、公示方都可以作为上述业务的一个业务节点。各个业务节点可以将自身所产生或者接收到的与业务相关的信息以交易的形式在联盟链中进行发布，并在该交易经过联盟链中的共识节点的共识处理之后，在联盟链中的分布式数据库进行存储，完成上述交易信息的“上链”存证。
其中，需要说明的是，在本说明书中所描述的交易(Transaction)，是指通过区块链的客户端创建，并需要最终发布至区块链的分布式数据库中的一笔数据。
区块链中的交易，通常存在狭义的交易以及广义的交易之分。狭义的交易是指用户向区块链发布的一笔价值转移；例如，在传统的比特币区块链网络中，交易可以是用户在区块链中发起的一笔转账。而广义的交易是指用户向区块链发布的一笔具有业务意图的业务数据；例如，运营方可以基于实际的业务需求搭建一个联盟链，依托于联盟链部署一些与价值转移无关的其它类型的在线业务(比如，存证业务、防伪验证业务等)，而在这类联盟链中，交易可以是用户在联盟链中发布的一笔具有业务意图的业务消息或者业务请求。
上述客户端，可以包括任意类型的以区块链中存储的底层业务数据作为数据支撑，来实现特定的业务功能的上层应用。
在区块链技术中，区块链中节点对区块进行操作通常需要依赖相应的智能合约(Smart contract)。例如在区块链中存储、修改、删除等操作均需要依赖智能合约。所述智能合约可以是一种旨在应用在可以部署在区块链上的以信息化方式传播、验证或执行合同的计算机协议。通过在智能合约中声明业务逻辑可以实现执行相应操作。智能合约允许在没有第三方的情况下进行可信交易。这些交易可追踪且不可逆转。智能合约能够提供优于传统合同方法的安全，并减少与合同相关的其他交易成本。通常，智能合约可以是部署在区块链节点本地的，当节点需要执行某个动作时可以调用相应的智能合约，运行智能合约以执行智能合约中声明的业务逻辑，从而得到执行结果。
其中，平台方可以进行***维护，数据计算；审核方可以负责进行业务***入驻的资质审核与备案、智能合约的审核；公证方可以负责数据的公证存储；公示方负责智能合约的公示，信用数据的公示等。联盟初期，还可以有其他平台方节点的参与，负责数据的计算，持久化等工作。
以下介绍业务方入驻区块链的过程：
业务方向平台方发送申请入驻交易，提交资质相关信息。
平台方将资质信息打包交易，发送区块链进行入驻申请。
区块链执行入驻申请的智能合约，通知各审核方，进行入驻审核。
各审核方将审核结果发区块链，区块链执行入驻申请的智能合约，汇总审核结果。
区块链将审核结果通知给平台方，平台方再将结果通知给业务方。
至此，业务方入驻区块链的过程结束。
审核通过后，业务方可以根据智能合约标准，创建符合自己业务场景的用于进行信用计算的智能合约(以下称为信用合约)，并发送该信用合约创建申请。
平台方打包信用合约的申请交易，发送区块链。
区块链通知各审核方、平台方进行合约审核。
区块链汇总审核结果，并将审核结果通知平台方、公示方。
平台方收到审核结果后，若审核通过，将发送创建智能合约交易，将相应的智能合约进行创建。
区块链将计算信用合约摘要，校验该合约是否审核通过，是否有效；校验通过后，将进行创建。
信用合约创建成功后，将通过公示方进行公示。
至此，完成信用合约的创建。
本说明书中，提供各个业务***上链符合自身业务场景的用于进行信用计算的智能合约的渠道；对于整体技术方案来说，通过不同的信用合约，可以实现多维度、全方位地用户信用数据的构建，从而提升信用的准确性和数据价值。
以下参考图1所示的基于区块链的信用记录方法流程图，该方法可以应用于包含业务***、区块链、接入网关、标识散列***的***架构中。
本实施例中，为了满足多个业务***的上链存证需求，可以提供一个接入网关来统一调配各个业务***的存证请求。所述接入网关可以对接多个不同的业务***，并与区块链关联，所述接入网关可以是区块链上的一个节点设备。每个业务***都可以按照以下步骤实现用户的信用记录。
1、业务***向接入网关提交用户的行为数据。
所述行为数据中包含有用户的用户标识。
2、所述接入网关向标识散列***发送针对用户标识的散列请求。
3.1、所述标识散列***响应所述散列请求，基于可逆转换函数，对所述用户标识进行可逆转换。
3.4、针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
3.3、针对哈希摘要生成校验码。
标识散列***针对生成后的哈希摘要，生成校验码，防止哈希摘要被篡改。
3.4、并将添加了校验码的哈希摘要返回给所述接入网关。
4.1、所述接入网关将所述用户行为数据中的用户标识替换为所述哈希摘要。
这里，接入网关通过将用户标识转换为哈希摘要的方式，隐藏用户行为数据中暴露的用户真实身份，从而避免用户隐私数据的泄漏与侵犯。
4.2、将用户行为数据组装为行为交易。
4.3、将行为交易发送至区块链的节点设备。
5、所述节点设备响应所述行为交易，调用所述行为交易对应的智能合约中声明的信用分计算逻辑，将基于用户行为数据计算的信用分存储在区块链中。
这里，通过区块链的智能合约实现基于用户行为数据评测用户信用，将评测过程公开化、公平化。
6.1、节点设备将交易结果返回给接入网关。
6.2、接入网关将节点设备返回的交易结果提供给所述业务***。
如此，一个业务***针对用户的信用记录过程完成。
以下结合图2介绍本说明书以接入网关为主体的方法实施例，该实施例可以对应图1，所述方法包括：
步骤210：获取目标业务***提交的目标用户的行为数据；
步骤220：将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合 约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
在一实施例中，所述行为数据中包含有所述目标用户的用户标识；在将所述行为数据打包为存证交易后发送给所述区块链的节点设备之前，所述方法还包括：
根据所述用户标识生成对应的哈希摘要；
所述将所述行为数据打包为存证交易后发送给所述区块链的节点设备，具体包括：
将所述行为数据中的用户标识替换为所述哈希摘要，并将所述行为数据打包为存证交易后发送给所述区块链的节点设备。
在一实施例中，所述根据所述用户标识生成对应的哈希摘要，具体包括：
向标识散列***发送针对所述用户标识的散列请求；以使所述标识散列***针对所述用户标识进行哈希摘要计算以生成哈希摘要。
在一实施例中，所述针对所述用户标识进行哈希摘要计算以生成哈希摘要，具体包括：
基于可逆转换函数，对所述用户标识进行可逆转换；
针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
在一实施例中，针对所述哈希摘要添加校验码。
以下结合图3介绍本说明书以区块链的节点设备为主体的方法实施例，该实施例可以对应图1，所述方法包括：
步骤310：接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
步骤320：响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
在一实施例中，所述行为数据中包含有哈希摘要；
其中，所述哈希摘要包括针对所述目标用户的用户标识进行哈希摘要计算生成的。
在一实施例中，所述针对所述目标用户的用户标识进行哈希摘要计算，具体包括：
基于可逆转换函数，对所述用户标识进行可逆转换；
针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
在一实施例中，所述哈希摘要还添加有校验码。
综上所述，本说明书实施例提供了一种基于区块链的信用记录方案，对目标业***提交的目标用户的存证交易，区块链的节点设备可以调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
如此，基于区块链不可篡改和公开透明的特征，将针对用户在各业务***的信用评价过程公开化、公正化。另一方面，可以通过将用户标识转换为哈希摘要的方式，隐藏用户行为数据中暴露的用户真实身份，从而避免用户隐私数据的泄漏与侵犯。
以下参考图4所示的基于区块链的信用查询方法流程图，该方法可以应用于包含业务***、区块链、接入网关、标识散列***的***架构中。该方法可以是基于前述图1所示信用记录后执行的。
本实施例中，为了满足多个业务***的上链存证需求，可以提供一个接入网关来统一调配各个业务***的存证请求。所述接入网关可以对接多个不同的业务***，并与区块链关联，所述接入网关可以是区块链上的一个节点设备。每个业务***都可以按照以下步骤实现用户的信用记录。
7.业务***向接入网关发送查询用户信用请求。
任一的业务***在需要获取目标用户的信用信息时，都可以向接入网关发送查询针对目标用户信用请求。其中，所述请求中包含有目标用户的用户标识。
8.所述接入网关向标识散列***发送所述用户标识的散列请求。
由于目标用户在不同业务***中可以对应有多个信用分，因此可以向标识散列***获取目标用户相关的各个哈希摘要。
9.所述标识散列***响应所述散列请求，获取所述用户标识相关的各个哈希摘要。
10.所述接入网关将所述各个哈希摘要组装为查询交易，并将查询交易发送至区块链的节点设备。
11.节点设备响应于所述查询交易，调用所述查询交易中各个哈希摘要对应的智能合约总声明的计算逻辑，将各个哈希摘要对应的信用分加权计算，得到总信用分。
12.将所述总信用分返回给所述节点设备，以使所述节点设备返回给业务***。
以下结合图5介绍本说明书以接入网关为主体的方法实施例，该实施例可以对应图4，所述方法包括：
步骤410：接收目标业务***提交的针对目标用户的信用分查询请求；
步骤420：向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
步骤430：将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
在一实施例中，所述信用分查询请求中包含有所述目标用户的用户标识；在向所述区块链的节点设备提交针对目标用户的查询交易之前，所述方法还包括：
获取所述用户标识相关的各哈希摘要；
所述向所述区块链的节点设备提交针对目标用户的查询交易，具体包括：
将所述各哈希摘要打包为查询交易后提交给所述区块链的节点设备；
所述查询所述目标用户在各业务***的信用分，具体包括：
在区块链中查询各哈希摘要对应的信用分。
在一实施例中，所述根据各业务***的信用分计算总信用分，具体包括：
根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
以下结合图6介绍本说明书以区块链的节点设备为主体的方法实施例，该实施例可以对应图4，所述方法包括：
步骤510：接收接入网关提交的针对目标用户的查询交易；
步骤520：响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
步骤530：将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
在一实施例中，所述查询交易中包含有哈希摘要；
所述哈希摘要是针对目标用户的用户标识进行哈希计算得到的哈希值；
所述查询所述目标用户在各业务***的信用分，具体包括：
在区块链中查询各哈希摘要对应的信用分。
在一实施例中，所述根据各业务***的信用分计算总信用分，具体包括：
根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
综上所述，本说明书实施例提供了一种基于区块链的信用查询方案，针对任一业务***提交的目标用户的信用分查询请求，区块链的节点设备都可以调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分。如此，通过聚合化的用户诚信数据访问机制，能够准确地综合查询用户诚信分值，从而避免用户原始行为数据的泄露与身份猜测。再一方面，可以通过智能合约中声明的信用评估机制，为不同业务***设置权重，激励入驻的业务***提高数据准确性与性价比(提供数据质量越高，权重也相应设置越高)，整体提高该基于区块链的信用体系的数据价值。
与前述基于区块链的信用记录、查询方法实施例相对应，本说明书还提供了基于区块链的信用记录、查询装置的实施例。所述装置实施例可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为一个逻辑意义上的装置，是通过其所在设备的处理器将非易失性存储器中对应的计算机业务程序指令读取到内存中运行形成的。从硬件层面而言，除了处理器、网络接口、内存以及非易失性存储器之外，实施例中装置所在的设备通常根据基于区块链的信用记录、查询实际功能，还可以包括其他硬件，对此不再赘述。
请参见图7，为本说明书一实施例提供的基于区块链的信用记录装置的模块图，所述装置对应了图2所示实施例，所述装置包括：
获取单元710，获取目标业务***提交的目标用户的行为数据；
记录单元720，将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
可选的，所述行为数据中包含有所述目标用户的用户标识；
所述记录单元720，包括：
生成子单元，根据所述用户标识生成对应的哈希摘要；
发送子单元，将所述行为数据中的用户标识替换为所述哈希摘要，并将所述行为数据打包为存证交易后发送给所述区块链的节点设备。
可选的，所述生成子单元具体包括：
向标识散列***发送针对所述用户标识的散列请求；以使所述标识散列***针对所述用户标识进行哈希摘要计算以生成哈希摘要。
可选的，所述针对所述用户标识进行哈希摘要计算以生成哈希摘要，具体包括：
基于可逆转换函数，对所述用户标识进行可逆转换；
针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
可选的，针对所述哈希摘要添加校验码。
请参见图8，为本说明书一实施例提供的基于区块链的信用记录装置的模块图，所述装置对应了图3所示实施例，所述装置包括：
接收单元810，接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
记录单元820，响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
可选的，所述行为数据中包含有哈希摘要；
其中，所述哈希摘要包括针对所述目标用户的用户标识进行哈希摘要计算生成的。
可选的，所述针对所述目标用户的用户标识进行哈希摘要计算，具体包括：
基于可逆转换函数，对所述用户标识进行可逆转换；
针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
可选的，所述哈希摘要还添加有校验码。
请参见图9，为本说明书一实施例提供的基于区块链的信用查询装置的模块图，所 述装置对应了图5所示实施例，所述装置包括：
接收单元910，接收目标业务***提交的针对目标用户的信用分查询请求；
查询单元920，向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
返回单元930，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
可选的，所述信用分查询请求中包含有所述目标用户的用户标识；
在查询单元920之前，还包括：
获取子单元，获取所述用户标识相关的各哈希摘要；
所述查询单元920向所述区块链的节点设备提交针对目标用户的查询交易，具体包括：
将所述各哈希摘要打包为查询交易后提交给所述区块链的节点设备；
所述查询所述目标用户在各业务***的信用分，具体包括：
在区块链中查询各哈希摘要对应的信用分。
可选的，所述根据各业务***的信用分计算总信用分，具体包括：
根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
请参见图10，为本说明书一实施例提供的基于区块链的信用查询装置的模块图，所述装置对应了图6所示实施例，所述装置包括：
接收单元1010，接收接入网关提交的针对目标用户的查询交易；
查询单元1020，响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
返回单元1030，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
可选的，所述查询交易中包含有哈希摘要；
所述哈希摘要是针对目标用户的用户标识进行哈希计算得到的哈希值；
所述查询所述目标用户在各业务***的信用分，具体包括：
在区块链中查询各哈希摘要对应的信用分。
可选的，所述根据各业务***的信用分计算总信用分，具体包括：
根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
上述实施例阐明的***、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
上述装置中各个单元的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，在此不再赘述。
对于装置实施例而言，由于其基本对应于方法实施例，所以相关之处参见方法实施例的部分说明即可。以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理单元，即可以位于一个地方，或者也可以分布到多个网络单元上。可以根据实际的需要选择其中的部分或者全部模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
以上图描述了基于区块链的信用记录或查询装置的内部功能模块和结构示意，其实质上的执行主体可以为一种电子设备，包括：
处理器；
用于存储处理器可执行指令的存储器；
其中，所述处理器被配置为：
上述任一项基于区块链的信用记录或查询方法。
在上述电子设备的实施例中，应理解，该处理器可以是中央处理单元(英文：Central Processing Unit，简称：CPU)，还可以是其他通用处理器、数字信号处理器(英文：Digital Signal Processor，简称：DSP)、专用集成电路(英文：Application Specific Integrated  Circuit，简称：ASIC)等。通用处理器可以是微处理器或者该处理器也可以是任何常规的处理器等，而前述的存储器可以是只读存储器(英文：read-only memory，缩写：ROM)、随机存取存储器(英文：random access memory，简称：RAM)、快闪存储器、硬盘或者固态硬盘。结合本发明实施例所公开的方法的步骤可以直接体现为硬件处理器执行完成，或者用处理器中的硬件及软件模块组合执行完成。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于电子设备实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
本领域技术人员在考虑说明书及实践这里公开的发明后，将容易想到本说明书的其它实施方案。本说明书旨在涵盖本说明书的任何变型、用途或者适应性变化，这些变型、用途或者适应性变化遵循本说明书的一般性原理并包括本说明书未公开的本技术领域中的公知常识或惯用技术手段。说明书和实施例仅被视为示例性的，本说明书的真正范围和精神由下面的权利要求指出。
应当理解的是，本说明书并不局限于上面已经描述并在附图中示出的精确结构，并且可以在不脱离其范围进行各种修改和改变。本说明书的范围仅由所附的权利要求来限制。

Claims (22)

  1. 一种基于区块链的信用记录方法，所述方法包括：
    业务***向接入网关提交用户行为数据，其中，所述用户行为数据中包含有用户标识；
    所述接入网关向标识散列***发送所述用户标识的散列请求；
    所述标识散列***响应所述散列请求，基于可逆转换函数，对所述用户标识进行可逆转换；并针对转换后的用户标识进行哈希摘要计算以生成哈希摘要；
    针对哈希摘要生成校验码，并将添加了校验码的哈希摘要返回给所述接入网关；
    所述接入网关将所述用户行为数据中的用户标识替换为所述哈希摘要后，将用户行为数据组装为行为交易，并将行为交易发送至区块链的节点设备；
    所述节点设备响应所述行为交易，调用所述行为交易对应的智能合约中声明的信用分计算逻辑，将基于用户行为数据计算的信用分存储在区块链中。
  2. 一种基于区块链的信用查询方法，所述方法包括：
    业务***向接入网关发送查询用户信用请求；其中，所述请求中包含有用户标识；
    所述接入网关向标识散列***发送所述用户标识的散列请求；
    所述标识散列***响应所述散列请求，获取所述用户标识相关的各个哈希摘要；
    所述接入网关将所述各个哈希摘要组装为查询交易，并将查询交易发送至区块链的节点设备；
    节点设备响应于所述查询交易，调用所述查询交易中各个哈希摘要对应的智能合约总声明的计算逻辑，将各个哈希摘要对应的信用分加权计算，得到总信用分；
    将所述总信用分返回给所述节点设备，以使所述节点设备返回给业务***。
  3. 一种基于区块链的信用记录方法，所述方法应用于接入网关，所述方法包括：
    获取目标业务***提交的目标用户的行为数据；
    将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
  4. 根据权利要求3所述的方法，所述行为数据中包含有所述目标用户的用户标识；在将所述行为数据打包为存证交易后发送给所述区块链的节点设备之前，所述方法还包括：
    根据所述用户标识生成对应的哈希摘要；
    所述将所述行为数据打包为存证交易后发送给所述区块链的节点设备，具体包括：
    将所述行为数据中的用户标识替换为所述哈希摘要，并将所述行为数据打包为存证交易后发送给所述区块链的节点设备。
  5. 根据权利要求4所述的方法，所述根据所述用户标识生成对应的哈希摘要，具体包括：
    向标识散列***发送针对所述用户标识的散列请求；以使所述标识散列***针对所述用户标识进行哈希摘要计算以生成哈希摘要。
  6. 根据权利要求5所述的方法，所述针对所述用户标识进行哈希摘要计算以生成哈希摘要，具体包括：
    基于可逆转换函数，对所述用户标识进行可逆转换；
    针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
  7. 根据权利要求5所述的方法，针对所述哈希摘要添加校验码。
  8. 一种基于区块链的信用记录方法，所述方法应用于区块链的节点设备，所述方法包括：
    接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
    响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
  9. 根据权利要求8所述的方法，所述行为数据中包含有哈希摘要；
    其中，所述哈希摘要包括针对所述目标用户的用户标识进行哈希摘要计算生成的。
  10. 根据权利要求9所述的方法，所述针对所述目标用户的用户标识进行哈希摘要计算，具体包括：
    基于可逆转换函数，对所述用户标识进行可逆转换；
    针对转换后的用户标识进行哈希摘要计算以生成哈希摘要。
  11. 根据权利要求9所述的方法，所述哈希摘要还添加有校验码。
  12. 一种基于区块链的信用查询方法，所述方法应用于接入网关，所述方法包括：
    接收目标业务***提交的针对目标用户的信用分查询请求；
    向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
    将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
  13. 根据权利要求12所述的方法，所述信用分查询请求中包含有所述目标用户的用户标识；在向所述区块链的节点设备提交针对目标用户的查询交易之前，所述方法还包括：
    获取所述用户标识相关的各哈希摘要；
    所述向所述区块链的节点设备提交针对目标用户的查询交易，具体包括：
    将所述各哈希摘要打包为查询交易后提交给所述区块链的节点设备；
    所述查询所述目标用户在各业务***的信用分，具体包括：
    在区块链中查询各哈希摘要对应的信用分。
  14. 根据权利要求12所述的方法，所述根据各业务***的信用分计算总信用分，具体包括：
    根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
  15. 一种基于区块链的信用查询方法，所述方法应用于区块链的节点设备，所述方法包括：
    接收接入网关提交的针对目标用户的查询交易；
    响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
    将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
  16. 根据权利要求15所述的方法，所述查询交易中包含有哈希摘要；
    所述哈希摘要是针对目标用户的用户标识进行哈希计算得到的哈希值；
    所述查询所述目标用户在各业务***的信用分，具体包括：
    在区块链中查询各哈希摘要对应的信用分。
  17. 根据权利要求15所述的方法，所述根据各业务***的信用分计算总信用分，具体包括：
    根据各业务***的权重对各业务***的信用分进行加权计算，计算出加权后的总信用分。
  18. 一种基于区块链的信用记录装置，所述装置应用于接入网关，所述装置包括：
    获取单元，获取目标业务***提交的目标用户的行为数据；
    记录单元，将所述行为数据打包为存证交易后发送给所述区块链的节点设备，以使所述节点设备响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
  19. 一种基于区块链的信用记录装置，所述装置应用于区块链的节点设备，所述装置包括：
    接收单元，接收接入网关发送的基于目标业务***提交的目标用户的行为数据打包而成的存证交易；
    记录单元，响应于所述存证交易，调用所述目标业务***发布在所述区块链的智能合约中声明的计算逻辑，基于所述行为数据计算出所述目标用户的信用分，存证所述目标业务***下目标用户的信用分。
  20. 一种基于区块链的信用查询装置，所述装置应用于接入网关，所述装置包括：
    接收单元，接收目标业务***提交的针对目标用户的信用分查询请求；
    查询单元，向所述区块链的节点设备提交针对目标用户的查询交易；以使所述节点设备响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
    返回单元，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
  21. 一种基于区块链的信用查询装置，所述装置应用于区块链的节点设备，所述装置包括：
    接收单元，接收接入网关提交的针对目标用户的查询交易；
    查询单元，响应于所述查询交易，调用发布于所述区块链的智能合约中声明的计算逻辑，查询所述目标用户在各业务***的信用分，根据各业务***的信用分计算总信用分；
    返回单元，将所述节点设备返回的查询结果中包含的所述目标用户的总信用分返回给所述目标业务***。
  22. 一种电子设备，包括：
    处理器；
    用于存储处理器可执行指令的存储器；
    其中，所述处理器被配置为上述权利要求1-17中任一项所述的方法。
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