Credit scoring method for block chain, transaction method and related device

A technology of credit scoring and transaction methods, applied in the blockchain field, can solve problems such as illegal theft or tampering of centralized system data, questionable rationality, and insufficient openness and transparency
CN111681007APending Publication Date: 2020-09-18INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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Patent Information

Authority / Receiving Office
CN Β· China
Current Assignee / Owner
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
Publication Date
2020-09-18

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Abstract

The invention provides a credit scoring method for a block chain, a transaction method and a related device, the credit scoring method for the block chain is applied to a credit chain node, and the method comprises the steps: obtaining user transaction data uploaded by a business chain through a block chain gateway; scoring the user transaction data according to a pre-acquired transaction scoringrule; and updating the current score of the user according to the scoring result and the historical score of the user, and storing and publishing the current score of the user to a credit chain. The credit chain and the service chain are communicated through the block chain gateway, credit scoring service is provided through the credit chain, the characteristics of the block chain are effectivelyutilized, data is prevented from being illegally stolen or tampered, credit evaluation scoring rules are accepted by all node mechanisms of the block chain together, and the method is public, transparent and high in rationality.
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Description

technical field

[0001] The present invention relates to the technical field of block chains, in particular to a credit scoring method, transaction method and related devices for block chains. Background technique

[0002] Credit is an inevitable product of social and economic development and an indispensable part of modern economic and social operations. Maintaining and developing credit relationships is an important prerequisite for protecting social and economic order. Credit evaluation refers to the evaluation of the reliability and safety of credit behaviors on the basis of certain understanding of individuals or enterprises according to certain methods and procedures. With the establishment and development of my country's market economic system, in order to prevent credit risks and maintain normal economic order, the importance of credit evaluation is becoming more and more obvious.

[0003] At present, the credit mechanism is not perfect, and credit rating agencies ar...

Claims

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