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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

Pending Publication Date: 2020-09-18
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

There is a risk of data being illegally stolen or tampered with in the centralized system, and this kind of credit evaluation and scoring rules is formulated by a certain organization, the rationality is open to question, and it is not open and transparent enough

Method used

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

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Embodiment Construction

[0060] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiment of the application will be clearly and completely described below in conjunction with the accompanying drawings in the embodiment of the application. Obviously, the described embodiment is only It is an embodiment of a part of the application, but not all of the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the scope of protection of this application.

[0061] Those skilled in the art should understand that the embodiments of the present invention may be provided as methods, systems, or computer program products. Accordingly, the present invention can take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermor...

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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.

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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Application Information

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IPC IPC(8): G06Q20/40G06F21/62G06F21/64
CPCG06Q20/4037G06F21/6218G06F21/64Y02D10/00
Inventor 岑健明苏恒刘朝伟李曼潇
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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