Limit determination method and device based on block chain, equipment, medium and program product

Abstract

The invention provides a limit determination method based on a block chain. The limit determination method can be applied to the technical field of block chains. The method comprises the following steps: receiving multi-dimensional carbon emission data uploaded by an enterprise node; verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; under the condition that the multi-dimensional carbon emission data is real data, determining first carbon credit information of the enterprise based on an intelligent contract; wherein the first carbon credit information is used for reflecting the comprehensive performance of the enterprise in the aspect of carbon emission; in response to a received data acquisition request sent by an institution node, sending the first carbon credit information of the enterprise to the institution node; wherein the first carbon credit information is used for assisting the institution in determining the credit line of the enterprise; and receiving the credit line of the enterprise uploaded by the institution node, and issuing a loan to the enterprise based on the credit line. The invention further provides a limit determination device and equipment based on the block chain, a storage medium and a program product.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of blockchains, and more particularly to a credit determination method and device based on a blockchain, an apparatus, a medium and a program product. BACKGROUND

[0002] Carbon credit scoring is a result of evaluating and certifying the efforts made by individuals, organizations or enterprises in reducing carbon emissions and addressing climate change based on carbon emission data. With the rise of environmental awareness, carbon credit scoring has a greater and greater impact on enterprise operations. For some enterprises, carbon credit scoring can reflect the operational risks of the enterprise to some extent.

[0003] However, since the carbon emission data of enterprises mainly depends on self-reporting by enterprises or third-party auditing, there is a problem of lack of guarantee of data authenticity, and since the carbon emission data is scattered among governments, enterprises and third-party institutions, it leads to opaque data flow and makes it difficult to ensure the accuracy and effectiveness of carbon credit scoring, thereby leading to inaccurate credit limits determined based on carbon credit scoring. SUMMARY

[0004] In view of the above problems, the present application provides a credit determination method and device based on a blockchain, an apparatus, a medium and a program product.

[0005] According to a first aspect of the present application, a credit determination method based on a blockchain is provided, comprising: receiving multi-dimensional carbon emission data uploaded by an enterprise node; verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; in the case that the multi-dimensional carbon emission data is true data, determining first carbon credit information of the enterprise based on a smart contract; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emissions; in response to receiving a data acquisition request sent by an institution node, sending the first carbon credit information of the enterprise to the institution node; wherein the first carbon credit information is used to assist the institution in determining the credit limit of the enterprise; receiving the credit limit of the enterprise uploaded by the institution node, and issuing a loan to the enterprise based on the credit limit.

[0006] According to an embodiment of the present application, the method further comprises: in response to the data change of the first carbon credit information of the enterprise satisfying a preset condition, sending the changed first carbon credit information to the institution node, so that the institution adjusts the credit limit of the enterprise based on the received first carbon credit information.

[0007] According to an embodiment of the present application, the authenticity verification of the multi-dimensional carbon emission data uploaded by the enterprise node is performed by at least one third-party node based on third-party data, including: performing, by the at least one third-party node, authenticity verification of the multi-dimensional carbon emission data uploaded by the enterprise node based on third-party data; in the case that the third-party data does not conflict with the multi-dimensional carbon emission data uploaded by the enterprise, determining that the multi-dimensional carbon emission data uploaded by the enterprise node is real data, and updating the authenticity verification result of the multi-dimensional carbon emission data in the blockchain.

[0008] According to an embodiment of the present application, in the case that the carbon emission data is real data, the first carbon credit information of the enterprise is determined based on a smart contract, including: in response to the authenticity verification result of the multi-dimensional carbon emission data updated in the blockchain being real data, triggering the smart contract; performing, by the smart contract, carbon credit calculation on the carbon emission data of each dimension according to a preset rule to obtain carbon credit sub-information corresponding to each dimension of the carbon emission data; determining the first carbon credit information of the enterprise according to the carbon credit sub-information and recording the first carbon credit information on the blockchain.

[0009] According to an embodiment of the present application, in response to receiving a data acquisition request sent by the agency node, the first carbon credit information of the enterprise is sent to the agency node, including: verifying the identity and authority of the agency node based on the data acquisition request; in the case that the identity verification and the authority verification are both passed, the first carbon credit information of the enterprise is sent to the agency node.

[0010] According to an embodiment of the present application, the credit limit of the enterprise uploaded by the agency node is received, and a loan is issued to the enterprise based on the credit limit, including: receiving and storing the credit limit determined by the agency node based on the first carbon credit information and the basic information of the enterprise; issuing, by the smart contract, a loan to the enterprise according to the credit limit and recording the loan contract on the blockchain.

[0011] According to an embodiment of the present application, the credit limit is determined by the agency based on the basic information of the enterprise and the second carbon credit information, wherein the second carbon credit information is obtained by adjusting the first carbon credit information based on financial knowledge, and is used to reflect the credit value corresponding to the carbon credit score of the enterprise.

[0012] The second aspect of the present application provides a credit determination device based on a blockchain, comprising: a first receiving module configured to receive multi-dimensional carbon emission data uploaded by an enterprise node; a verification module configured to verify the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; a determination module configured to determine first carbon credit information of the enterprise based on a smart contract in the case that the multi-dimensional carbon emission data is real data; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emission; a sending module configured to send the first carbon credit information of the enterprise to an institution node in response to receiving a data acquisition request sent by the institution node; wherein the first carbon credit information is used to assist the institution in determining the credit limit of the enterprise; and a second receiving module configured to receive the credit limit of the enterprise uploaded by the institution node, and issue a loan to the enterprise based on the credit limit.

[0013] The third aspect of the present application provides an electronic device, comprising: one or more processors; a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the above method.

[0014] The fourth aspect of the present application further provides a computer-readable storage medium having a computer program or instructions stored thereon, wherein the computer program or instructions are executed by a processor to implement the steps of the above method.

[0015] The fifth aspect of the present application further provides a computer program product comprising a computer program or instructions, wherein the computer program or instructions are executed by a processor to implement the steps of the above method. BRIEF DESCRIPTION OF DRAWINGS

[0016] The above and other objects, features and advantages of the present application will become more apparent from the following description of embodiments of the present application, taken in conjunction with the accompanying drawings, in which:

[0017] Figure 1 An application scenario diagram of a credit determination method, device, equipment, medium and program product based on a blockchain according to an embodiment of the present application is schematically shown;

[0018] Figure 2 A flowchart of a credit determination method based on a blockchain according to an embodiment of the present application is schematically shown;

[0019] Figure 3 A flowchart of a credit determination method based on a blockchain according to another embodiment of the present application is schematically shown;

[0020] Figure 4 A flowchart of authenticity verification of multi-dimensional carbon emission data uploaded by an enterprise node based on at least one third-party node according to an embodiment of the present application is schematically shown.

[0021] Figure 5 A flowchart illustrating a process of determining first carbon credit information of an enterprise based on a smart contract in a case where carbon emission data is real data according to an embodiment of the present application is schematically shown;

[0022] Figure 6 A flowchart illustrating a process of determining first carbon credit information of an enterprise based on a smart contract in a case where carbon emission data is real data according to an embodiment of the present application is schematically shown;

[0023] Figure 7 A flowchart illustrating a process of receiving a credit limit of an enterprise uploaded by an agency node and issuing a loan to the enterprise based on the credit limit according to an embodiment of the present application is schematically shown;

[0024] Figure 8 A structural block diagram of a credit determination apparatus based on a blockchain according to an embodiment of the present application is schematically shown; and

[0025] Figure 9 A block diagram of an electronic device suitable for implementing a credit determination method based on a blockchain according to an embodiment of the present application is schematically shown. DETAILED DESCRIPTION

[0026] Hereinafter, embodiments of the present application will be described with reference to the accompanying drawings. It should be understood, however, that the description which follows is merely exemplary and is not intended to limit the scope of the application. In the following detailed description of embodiments of the present application, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present application. However, it would be apparent to one skilled in the art that the embodiments of the present application can be practiced without these specific details. In other instances, well-known structures and functions have not been described in detail in order to avoid obscuring aspects of the application.

[0027] The terms used herein are merely used to describe specific embodiments and are not intended to limit the present application. The terms "include", "comprise", and the like used herein indicate the presence of the described features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0028] All terms used herein, including technical and scientific terms, have the same meanings as those generally understood by those skilled in the art unless otherwise defined. It should be noted that the terms used herein should be interpreted as having meanings consistent with the context of the present specification, and should not be interpreted in an idealized or excessively formal manner.

[0029] When expressions such as "at least one of A, B, and C, etc." are used, they should generally be interpreted in accordance with the meaning commonly understood by those skilled in the art (for example, "a system having at least one of A, B, and C" should include but is not limited to a system having A alone, B alone, C alone, A and B, A and C, B and C, and / or A, B, C, etc.).

[0030] Description: It should be noted that the blockchain-based credit limit determination method and device of the present application can be used in the fields of financial technology and blockchain technology, and can also be used in any field other than the fields of financial technology and blockchain technology. The application field of the credit limit determination method and device of the present application is not limited.

[0031] In the technical solution of this application, the user information involved (including but not limited to user personal information, user image information, user device information, such as location information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) are all information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of the relevant data comply with relevant laws, regulations and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0032] In the scenario of using personal information for automated decision-making, the methods, devices, and systems provided in the embodiments of the present application all provide users with corresponding operation portals for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered. The expression "automated decision-making" here refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests and hobbies, or economic, health, credit status, etc. through computer programs and making decisions. The expression "expert decision-making" here refers to the activity of making decisions by people who specialize in a certain field, have specialized experience, knowledge and skills, and have reached a certain level of professionalism.

[0033] Embodiments of the present application provide a credit determination method based on a blockchain. The method is applied to a blockchain and includes the following steps: receiving multi-dimensional carbon emission data uploaded by an enterprise node; verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; determining first carbon credit information of the enterprise based on a smart contract in the case that the multi-dimensional carbon emission data is real data; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emission; in response to receiving a data acquisition request sent by an institution node, sending the first carbon credit information of the enterprise to the institution node; wherein the first carbon credit information is used to assist the institution in determining the credit limit of the enterprise; receiving the credit limit of the enterprise uploaded by the institution node, and issuing a loan to the enterprise based on the credit limit.

[0034] Figure 1 An application scenario diagram of the credit determination method, device, equipment, medium and program product based on a blockchain according to an embodiment of the present application is schematically shown.

[0035] It should be noted that, Figure 1 The diagram shown is only an example of an application scenario to which the embodiments of the present application can be applied, to help those skilled in the art understand the technical content of the present application, but does not mean that the embodiments of the present application cannot be applied to other devices, systems, environments or scenarios.

[0036] As Figure 1 shown, the application scenario 100 according to the embodiment can include terminals 101, 102, 103, 104 and a blockchain 105.

[0037] A user can use the terminals 101, 102, 103, 104 to interact with the blockchain 105 to create an account, make a transaction, chain information, etc. Various communication client applications can be installed on the terminals 101, 102, 103, 104, such as blockchain applications, shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0038] The terminals 101, 102, 103, 104 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers and desktop computers, etc.

[0039] The verification, storage, transmission and the like of data in the blockchain 105 are all based on a distributed system architecture, each terminal (for example, the terminals 101, 102, 103 and 104) has a complete record database, and the rights and obligations are equal, and the data is transmitted, stored, updated and maintained by all network nodes. Therefore, compared with the traditional central integrated management network, the blockchain system establishes the information relationship between the distributed nodes, and does not have the disadvantage that the entire data network is paralyzed due to the attack on a single center.

[0040] The terminals 101, 102, 103 and 104 can be connected with a server, which can be a server providing various services, for example, a background management server supporting the website browsed by the user using the terminals 101, 102, 103 and 104 (only as an example). The background management server can analyze and process the received user request and the like, and feed back the processing result (for example, a webpage, information or data obtained or generated according to the user request) to the terminal.

[0041] It should be noted that the blockchain-based quota determination method provided by the embodiments of the present disclosure can generally be executed by the terminals 101, 102, 103 and 104 through the blockchain 105. Correspondingly, the quota determination apparatus provided by the embodiments of the present disclosure can generally be arranged in the terminals 101, 102, 103 and 104. The quota determination method provided by the embodiments of the present disclosure can also be executed by a server or a server cluster capable of communicating with the terminals 101, 102, 103 and 104. Correspondingly, the quota determination apparatus provided by the embodiments of the present disclosure can also be arranged in a server or a server cluster capable of communicating with the terminals 101, 102, 103 and 104.

[0042] It should be understood that Figure 1 The number of terminal devices, networks and servers in

[0043] The following will be based on Figure 1 The scenario described below will be described in detail by Figures 2-7 the blockchain-based quota determination method according to the embodiments of the present application.

[0044] Figure 2 The flowchart of the blockchain-based quota determination method according to the embodiments of the present application is schematically shown.

[0045] As Figure 2 shown, the blockchain-based quota determination method of this embodiment includes operations S210-S250.

[0046] In operation S210, multi-dimensional carbon emission data uploaded by an enterprise node is received.

[0047] In some embodiments, the enterprise registers as an enterprise node through the blockchain platform and uploads multi-dimensional carbon emission data. For example, the carbon emission data can include emission amount in a specific time period, energy consumption type, energy consumption data, emission reduction measures, etc.

[0048] In some embodiments, the multi-dimensional carbon emission data can be carbon emission data collected through sensors (IoT devices), manually entered by relevant personnel of the enterprise, or obtained from an energy management system.

[0049] In some embodiments, data can be triggered to be uploaded to the chain through a smart contract. In the scenario of carbon emission data uploading, the smart contract defines the rules and processes of data uploading. For example, when the data passes the steps of verification, encryption, signature, and hash generation, the uploading operation is automatically triggered. The smart contract has various conditional judgment logic built-in to verify whether the data meets the requirements for uploading. For example, check whether the hash value of the data is consistent with the expected one, whether the data source is legal, etc. Only when all conditions are met, the smart contract will execute the uploading operation. Once the data is verified by the smart contract, the smart contract will automatically write the hash value, timestamp, data source, etc. of the data into the blockchain. Each time the data is uploaded, a new block is generated, and the blocks are linked together through the hash value, forming a chain structure that cannot be tampered with.

[0050] In operation S220, the multi-dimensional carbon emission data uploaded by the enterprise node is verified for authenticity based on at least one third-party node.

[0051] In some embodiments, the carbon emission data uploaded by the enterprise is obtained from the blockchain by at least one third-party node. The third-party node can use cross-validation methods (such as comparing enterprise electricity consumption with grid data, checking emission reduction equipment operation records, etc.) to confirm the authenticity of the carbon emission data uploaded by the enterprise, and record the verification result (such as “true” or “false”) on the blockchain.

[0052] In operation S230, in the case where the multi-dimensional carbon emission data is true data, first carbon credit information of the enterprise is determined based on a smart contract; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emission.

[0053] In some embodiments, the verification result of the data is automatically detected by the smart contract, and if the verification result of the data is “true”, a first carbon credit information determination process is started. For example, the first carbon credit information of the enterprise can be determined according to the calculation rules preset in the smart contract, and the first carbon credit information of the enterprise is stored in the blockchain. The first carbon credit information is an evaluation grade obtained through qualitative and quantitative analysis based on enterprise operation management, carbon emission and other data, which reflects the adaptability and competitiveness of the enterprise under the carbon peak and carbon neutralization target, and provides a reference for financial institutions to decide the credit, loan mode and the like of the enterprise. Carbon credit information can be divided by score and grade. The higher the score or grade, the higher the adaptability and competitiveness of the enterprise under the carbon peak and carbon neutralization.

[0054] For example, in the case of majority node consensus, the calculation rules in the smart contract can be dynamically updated, for example, when the policy is adjusted, the calculation rules in the smart contract are dynamically updated.

[0055] In operation S240, in response to receiving the data acquisition request sent by the institution node, the first carbon credit information of the enterprise is sent to the institution node; wherein the first carbon credit information is used to assist the institution to determine the credit limit of the enterprise.

[0056] In some embodiments, based on the data acquisition request sent by the institution node to the blockchain platform, the first carbon credit information of the enterprise is sent to the institution node after the data acquisition request is verified by the blockchain platform, so that the financial institution integrates the first carbon credit information of the enterprise into the internal system to determine the credit limit.

[0057] In some embodiments, after the financial institution obtains the first carbon credit information of the enterprise based on the blockchain, the first carbon credit information is further processed according to the type of the enterprise (such as industry characteristics, business model, risk characteristics, etc.), to obtain second carbon credit information that can more accurately reflect the credit risk of the enterprise. For example, for export-oriented enterprises, international customers have strict requirements for enterprise carbon credit scores, and the carbon credit score of the enterprise may affect the enterprise's order acquisition ability, so the first carbon credit score can be multiplied by a larger preset coefficient to increase the importance of the carbon credit score in the credit limit determination process.

[0058] In operation S250, the credit limit of the enterprise uploaded by the institution node is received, and the credit limit is used to issue a loan to the enterprise.

[0059] In some embodiments, after the financial institution determines the credit limit of the enterprise based on the carbon credit information of the enterprise and other information of the enterprise, the credit limit is chained through the institution node, and the loan funds are automatically issued to the enterprise account through the smart contract of the blockchain.

[0060] The credit limit determination method implemented by the blockchain in the embodiments of the present disclosure utilizes the characteristics of decentralization, non-tamperability and data transparency of the blockchain to realize the trusted storage and authenticity verification of enterprise carbon emission data and improve the public credibility of enterprise carbon emission data. In combination with the smart contract technology, the carbon emission data of the enterprise is automatically calculated to effectively improve the accuracy and fairness of the first carbon credit information. In addition, the carbon emission data is included in the decision dimension of the credit limit, which can improve the comprehensiveness of the decision dimension and the accuracy of the credit limit decision.

[0061] According to the embodiments of the present disclosure, before uploading the multi-dimensional carbon emission data on the enterprise node, the enterprise pre-processes the obtained multi-dimensional carbon emission data, encapsulates and encrypts the pre-processed multi-dimensional carbon emission data, uploads the encapsulated and encrypted multi-dimensional carbon emission data to the blockchain platform, and generates a digital signature for the multi-dimensional carbon emission data to ensure the authenticity of the data source and prevent tampering.

[0062] In some embodiments, the enterprise node can use public key / private key encryption technology to encrypt the carbon emission data. When the enterprise node uploads the encapsulated carbon emission data to the blockchain platform, the data is encrypted using the public key of the blockchain platform. The blockchain platform will decrypt the data using its own private key after receiving the data.

[0063] In some embodiments, the enterprise node can also generate a hash value for the encrypted multi-dimensional carbon emission data through a hash algorithm, combine the generated hash value with other metadata (such as enterprise ID, timestamp, data type, etc.), and store the combined data on the blockchain. The distributed ledger feature of the blockchain ensures the data's non-tamperability and traceability. Each node saves a complete copy of the data. When new data is uploaded to the chain, all nodes will verify and store it.

[0064] In some embodiments, the present disclosure can adopt a way of integrating blockchain with external storage to store the multi-dimensional carbon emission data of enterprises. For example, only the hash value, timestamp, enterprise ID, key carbon emission data and other information of the data are stored in the blockchain to ensure that the data is tamper-proof. The off-chain storage uses a decentralized storage system such as IPFS to store the original data file. On the one hand, the hash value is unique and irreversible, and once the original data changes, the hash value will also change. Storing the hash value on the blockchain can ensure that the data is tamper-proof by using the distributed ledger and encryption technology of the blockchain. Even if the original data in the external storage is maliciously modified, since the hash value on the chain does not change, the fact that the data is tampered with can still be discovered. On the other hand, a decentralized storage system such as IPFS has the characteristics of low cost and large capacity. Compared with blockchain storage, using off-chain storage to store the original data file can significantly reduce the storage cost. For example, for some long-term accumulation of a large amount of carbon emission data, it is more economical to store it on IPFS than on the blockchain.

[0065] The hash value on the blockchain and the original data stored off-chain can form a double verification mechanism. The corresponding original data can be obtained from the off-chain storage system to verify the hash value on the blockchain. If they match, it means that the data has not been tampered with, ensuring the authenticity of the carbon emission data. For example, when checking the carbon emission data of an enterprise, a regulatory department node can quickly verify whether the data has been tampered with through the blockchain, and then obtain detailed data from the off-chain storage for in-depth analysis.

[0066] Figure 3 A flowchart of a blockchain-based quota determination method according to another embodiment of the present application is schematically shown.

[0067] As shown in Figure 3 , the blockchain-based quota determination method of the present application embodiment includes operations S310-S350.

[0068] In operation S310, multi-dimensional carbon emission data uploaded by an enterprise node is received.

[0069] In some embodiments, operation S310 is similar to operation S210, which will not be repeated here.

[0070] In operation S320, at least one third-party node verifies the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node.

[0071] In some embodiments, operation S320 is similar to operation S220, which will not be repeated here.

[0072] In operation S330, when the multi-dimensional carbon emission data is real data, the first carbon credit information of the enterprise is determined based on the smart contract; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emission.

[0073] In some embodiments, operation S330 is similar to operation S230, which will not be repeated here.

[0074] In operation S340, in response to the data change of the first carbon credit information of the enterprise satisfying the preset condition, the changed first carbon credit information is sent to the agency node, so that the agency adjusts the credit limit of the enterprise based on the received first carbon credit information.

[0075] In some embodiments, the smart contract can be used to automatically monitor the change of the first carbon credit information based on the preset condition. For example, when the event of "first carbon credit information update" is triggered, the smart contract automatically executes the preset condition judgment logic, reads the current first carbon credit information and the historical first carbon credit information, calculates the change amplitude of the current carbon credit information and the historical first carbon credit information, and compares with the preset condition to determine whether the preset condition is met. The preset condition may, for example, be that the data difference between the current first carbon credit information and the historical first carbon credit information satisfies a preset threshold, or the level of the current first carbon credit information is inconsistent with the level of the historical carbon credit information. The historical carbon credit information is the first carbon credit information closest to the current first carbon credit information in terms of generation time.

[0076] In some embodiments, if the data change of the first carbon credit information satisfies the preset condition, the changed first carbon credit information is packaged by the smart contract. The packaged information may, for example, include the new first carbon credit information, the change of the first carbon credit information, and the summary of the related carbon emission data. The smart contract sends the packaged information to the blockchain address of the agency node through the communication mechanism of the blockchain, so that the agency can timely understand the change of the first carbon credit information, and adjust the credit limit of the enterprise in a timely manner.

[0077] In operation S350, the credit limit of the enterprise uploaded by the agency node is received, and a loan is issued to the enterprise based on the credit limit.

[0078] In some embodiments, operation S350 is similar to operation S250, which will not be repeated here.

[0079] The credit determination method provided by the embodiments of the present disclosure can automatically monitor the first carbon credit information based on the smart contract, and automatically trigger information sending when the first carbon credit information changes, effectively improving the timeliness of information sending, so that the institution can obtain the latest first carbon credit information of the enterprise in the first time, improve the timeliness of the first carbon credit information sending, so that the institution can timely adjust the credit limit of the enterprise according to the latest first carbon credit information, and improve the timeliness and accuracy of the credit determination.

[0080] Figure 4 A flowchart of verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node is schematically shown.

[0081] As shown in Figure 4 The method of verifying the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node includes operations S410-S420.

[0082] In operation S410, the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node is verified based on third-party data by at least one third-party node.

[0083] In some embodiments, when the enterprise node uploads the packaged multi-dimensional carbon emission data to the blockchain network, the uploaded data will be recorded in a new block and broadcast to other nodes in the blockchain, such as the third-party node.

[0084] For example, the third-party node can be a professional monitoring agency node, a government department node, an industry association node, etc. The third-party data can be data obtained directly from enterprise-related equipment or systems. For example, for some enterprises, a professional monitoring agency can directly connect to the production equipment or energy supply system of the enterprise to obtain real-time carbon emission data of the enterprise. The third-party data can also be data obtained from other channels, such as industry carbon emission statistical data published by government departments, etc.

[0085] In some embodiments, key indicators reflecting the carbon emission situation of the enterprise, such as total carbon emission, unit product carbon emission, energy consumption intensity, etc., are extracted from the multi-dimensional carbon emission data uploaded by the enterprise and the third-party data, respectively. The third-party node compares the extracted key indicators to check for conflicts. For example, if there is a large difference between the annual total carbon emission reported by the enterprise and the carbon emission calculated based on the average carbon emission level of the industry in which the enterprise is located and other information such as the production scale of the enterprise, there may be a data conflict.

[0086] In operation S420, in the case that the third-party data does not conflict with the multi-dimensional carbon emission data uploaded by the enterprise, it is determined that the multi-dimensional carbon emission data uploaded by the enterprise node is real data, and the authenticity verification result of the multi-dimensional carbon emission data is updated in the blockchain.

[0087] In some embodiments, the third-party node checks whether the data uploaded by the enterprise conflicts with the third-party data according to the threshold set by the smart contract. If the difference is within the allowed error range, it is considered that the data does not conflict, and it is determined that the multi-dimensional carbon emission data uploaded by the enterprise node is real data.

[0088] In some embodiments, the authenticity verification result (including information of passing or failing verification) is submitted by the third-party node to the blockchain network in the form of a transaction. The nodes in the blockchain network verify and record the transaction through a consensus mechanism, update the verification result to the blockchain, and store the multi-dimensional carbon emission data uploaded by the enterprise in association with the verification result, so that other nodes can obtain the verification result of the data by querying the blockchain.

[0089] The non-tamperable and multi-party verification mechanism of the blockchain is used to verify the multi-dimensional carbon emission data uploaded by the enterprise node in the embodiments of the present disclosure, which ensures the authenticity and reliability of the carbon emission data of the enterprise, reduces the possibility of information fraud, and thus ensures the accuracy of the first carbon credit information.

[0090] Figure 5 A flowchart for determining the first carbon credit information of the enterprise based on the smart contract in the case that the carbon emission data is real data according to an embodiment of the present application is schematically shown.

[0091] As shown in Figure 5 determining the first carbon credit information of the enterprise based on the smart contract in the case that the carbon emission data is real data according to the embodiments of the present application includes operations S510-S530.

[0092] In operation S510, the smart contract is triggered in response to the authenticity verification result of the multi-dimensional carbon emission data updated in the blockchain being real data.

[0093] In some embodiments, an event listener can be set in the smart contract deployed on the blockchain, which is specifically used to listen to the authenticity verification result of the newly chained multi-dimensional carbon emission data. When the third-party node completes the data verification and updates the verification result (real or failed) to the blockchain, the event is triggered.

[0094] After receiving the event notification, the smart contract checks whether the verification result is real data. Only when the verification result is real, the subsequent carbon credit calculation process is continued. For example, a conditional judgment statement can be set in the smart contract. If the value of the verification result field is “real”, the subsequent operation S510~operation S520 is triggered.

[0095] In operation S520, the smart contract calculates the carbon credit of each dimension of carbon emission data according to the preset rules, and obtains the carbon credit sub-information corresponding to each dimension of carbon emission data.

[0096] In some embodiments, the smart contract obtains the multi-dimensional carbon emission data uploaded by the enterprise and verified as real from the blockchain, and calculates each dimension of data according to the preset rules. Taking the production process carbon emission dimension as an example, assuming that the dimension data is the carbon emission during the production of a product, the smart contract calculates the carbon credit sub-information of this dimension according to the preset carbon credit calculation model (such as obtaining corresponding carbon credit points for reducing a certain amount of carbon emission).

[0097] In operation S530, the first carbon credit information of the enterprise is determined according to the carbon credit sub-information, and the first carbon credit information is recorded on the blockchain.

[0098] In some embodiments, the smart contract integrates the carbon credit sub-information calculated from each dimension of carbon emission data to comprehensively determine the first carbon credit information of the enterprise. For example, the carbon credit sub-information of different dimensions is weighted and summed according to certain weights to obtain the overall carbon credit score or points of the enterprise as the first carbon credit information. In addition, the determined first carbon credit information is submitted to the blockchain network in the form of transaction, and is associated with the related information of the enterprise, facilitating subsequent query and traceability.

[0099] The embodiments of the present disclosure automatically execute the calculation process of carbon credit information by the smart contract, improve the system operation efficiency, and realize real-time calculation of the carbon credit information of the enterprise.

[0100] Figure 6 A flowchart for determining the first carbon credit information of the enterprise based on the smart contract in the case that the carbon emission data is real data is shown.

[0101] As shown in Figure 6 In response to receiving the data acquisition request sent by the agency node, the smart contract sends the first carbon credit information of the enterprise to the agency node, which includes operation S610~operation S620.

[0102] In operation S610, the identity and authority of the agency node are verified based on the data acquisition request.

[0103] In some embodiments, when the blockchain node receives the data acquisition request sent by the institution node, the data acquisition request is parsed to extract key information such as the identity of the institution node (such as a digital certificate, a blockchain address, etc.), the target data information requested to be acquired, etc.

[0104] In some embodiments, the blockchain system maintains an identity information library of institution nodes, which contains the legal identity of the authorized institution nodes. When receiving the data acquisition request, the system compares the identity of the institution node carried in the request with the identity in the identity information library. For example, if the institution node uses a digital certificate for identity authentication, the system verifies whether the validity of the digital certificate, the issuing authority, and the public key in the certificate are consistent with the pre-stored information.

[0105] In some embodiments, the access permission rules of different institution nodes to enterprise data are also predefined in the blockchain, which can be set according to the type of the institution node (such as a bank, an investment institution, a regulatory department, etc.), the business needs, and the cooperation relationship with the enterprise, etc. For example, the bank can only acquire the carbon credit information of the enterprise with which it has credit business, and the regulatory department can acquire the carbon credit information of all enterprises. According to the identity information of the institution node and the target enterprise information in the data acquisition request, the blockchain system queries the permission rules defined in the smart contract to check whether the institution node has the permission to acquire the first carbon credit information of the target enterprise. If the permission check is passed, the subsequent operation is continued; otherwise, the request is rejected.

[0106] In operation S620, the first carbon credit information of the enterprise is sent to the institution node when the identity verification and the permission verification are both passed.

[0107] In some embodiments, when the identity verification and the permission verification of the institution node are both passed, the blockchain node queries the first carbon credit information of the target enterprise from the blockchain according to the target enterprise information in the request, encapsulates the queried information, and sends the encapsulated first carbon credit information to the institution node through a secure network channel. For example, an encrypted transmission mode can be used to ensure the security and confidentiality of the information during transmission.

[0108] The identity and permission of the institution node are verified in the embodiments of the present disclosure, which can effectively protect the privacy and security of the data on the chain, avoid the leakage of data and the unauthorized access of the institution node, and effectively protect the privacy data of the enterprise.

[0109] Figure 7 A flowchart of receiving the credit limit of the enterprise uploaded by the institution node and issuing a loan to the enterprise based on the credit limit is schematically shown according to an embodiment of the present application.

[0110] like Figure 7 As shown, the embodiment of the present application receives the credit limit of an enterprise uploaded by an institution node, and issues a loan to the enterprise based on the credit limit, including operations S710 to S720.

[0111] In operation S710 , a credit limit determined by an institution node based on first carbon credit information and basic information of an enterprise is received and stored.

[0112] In some embodiments, an institutional node determines an enterprise's credit limit based on the acquired first carbon credit information and the enterprise's basic information. The first carbon credit information reflects the enterprise's performance in carbon emission management and energy conservation and emission reduction. Basic information includes the enterprise's financial status, operating scale, and industry position. The institutional node analyzes this data using its own risk assessment models and algorithms. For example, a higher credit limit may be granted to an enterprise with a high carbon credit score, good financial status, and a leading position in the environmental protection industry. Based on the analysis results, the institutional node determines the credit limit. The calculation process may take into account multiple factors, such as the weighting of the enterprise's carbon credit score and the assessed value of its financial indicators. For example, the carbon credit score may be weighted 30% in the credit limit calculation, while the financial indicators may be weighted 70%, with the final credit limit being determined through a weighted summation. The importance of carbon credit information in determining the credit limit varies for different types of enterprises.

[0113] In some embodiments, the credit limit can be determined by an institution based on the basic information of the enterprise and the second carbon credit information. The second carbon credit information is obtained by the institution after adjusting the first carbon credit information based on financial knowledge, and is used to reflect the credit value corresponding to the enterprise's carbon credit score.

[0114] For example, the second carbon credit information can be obtained by adjusting the first carbon credit information based on the company type. Different types of companies face significantly different risk factors and risk levels. By differentiating carbon credit scores based on company type (industry characteristics, business model, risk profile, etc.), the credit risk faced by companies can be more accurately identified and quantified. For example, the carbon credit score of a company in a high-emissions industry directly affects its core operational risk. Therefore, when determining the company's credit limit, the company's second carbon credit information is first multiplied by the corresponding weight with the first carbon credit information to obtain the company's second carbon credit information. This second carbon credit information can reflect the importance of carbon credit information in the credit limit determination process. Financial institutions can customize credit granting strategies based on the characteristics and needs of different types of companies, thereby improving the accuracy of credit limit determination.

[0115] For example, for export-oriented enterprises, international customers have more stringent requirements for carbon credit information, and eye credit information may directly affect their order acquisition ability. For this type of enterprise, its carbon credit information is directly related to the business risk. For example, for export-oriented enterprises, if the carbon credit score is lower than B level, it may trigger the risk of customer loss and need to reduce the credit limit.

[0116] For example, for high-emission industries, the weight of carbon credit information in the credit model is increased from 10% to 30%, and a more stringent lending threshold is set (e.g., only AAA-rated enterprises can obtain preferential interest rates). For low-emission industries, the weight of carbon credit information can be reduced to 5%-10%, and financial indicators and industry prospects are focused on.

[0117] In some embodiments, the determined credit limit is packaged by the institution node in a specific data format, and a data on-chain request is generated. The request contains the specific value of the credit limit, the enterprise identifier, the institution node identifier, and the generation time, etc.

[0118] In operation S720, a loan is issued to the enterprise according to the credit limit and a loan contract is recorded on the blockchain.

[0119] In some embodiments, after the nodes in the blockchain network receive the data on-chain request sent by the institution node, the request is first verified. The verification content includes whether the format of the request is correct, whether the identity of the institution node is legal, whether the data is complete, etc. For example, check whether the request contains the necessary enterprise identifier and credit limit value, and whether the digital signature of the institution node is valid. After verification, the blockchain node records the credit limit data on the blockchain. The distributed ledger feature of the blockchain ensures the data is tamper-proof and traceable. Each node will save a complete copy of the data, and when a new block is generated, the credit limit data will be packaged into the block and confirmed and stored by all nodes through a consensus mechanism (such as proof of work, proof of stake, etc.).

[0120] In some embodiments, when the credit limit data is successfully on-chain, the blockchain system can trigger the loan issuance process according to the preset rules or the instructions of the institution node. For example, the institution node determines the credit limit and sends a loan issuance request to the blockchain through a smart contract, which contains the loan amount, loan period, interest rate, etc.

[0121] In some embodiments, the blockchain system transfers the corresponding loan amount from the account of the institution node to the account of the enterprise according to the loan issuance request. On the blockchain, such a fund transfer is recorded in the form of a transaction, and information such as the parties to the transaction, the amount, the time, etc. is permanently saved. At the same time, the blockchain system records the relevant information of the loan contract on the blockchain. The loan contract can include loan terms, repayment plans, default liability, etc. By on-chain of the loan contract, the non-tamperability and executability of the contract are ensured. For example, when a repayment dispute arises, a fair ruling can be made through the contract record on the blockchain.

[0122] The embodiments of the present disclosure are transparently carried out on the blockchain from the determination of the credit limit to the issuance of the loan and the recording of the contract. Both the enterprise and the institution node can view the progress of the loan in real time, improving the transparency of the loan process and having traceability. In addition, the institution determines the enterprise credit limit by combining carbon credit information and enterprise basic information, which can effectively improve the accuracy of the determination of the enterprise credit limit, thereby reducing the credit risk.

[0123] Based on the above credit limit determination method based on the blockchain, the present application also provides a credit limit determination device based on the blockchain. The following will be described in detail Figure 8 The device.

[0124] Figure 8 The structure block diagram of the credit limit determination device based on the blockchain according to the embodiments of the present application is schematically shown.

[0125] As Figure 8 shown, the credit limit determination device based on the blockchain 800 of the embodiments includes a first receiving module 810, a verification module 820, a determination module 830, a sending module 840, and a second receiving module 850.

[0126] The first receiving module 810 is configured to receive multi-dimensional carbon emission data uploaded by an enterprise node. In an embodiment, the first receiving module 810 can be configured to perform the operation S210 described above, and details are not repeated here.

[0127] The verification module 820 is configured to verify the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node. In an embodiment, the verification module 820 can be configured to perform the operation S220 described above, and details are not repeated here.

[0128] The determination module 830 is configured to determine first carbon credit information of the enterprise based on a smart contract in a case where the multi-dimensional carbon emission data is true data; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emission. In an embodiment, the determination module 830 can be configured to perform the operation S230 described above, and details are not repeated here.

[0129] The sending module 840 is configured to, in response to receiving the data acquisition request sent by the institution node, send first carbon credit information of the enterprise to the institution node, wherein the first carbon credit information is used to assist the institution in determining the credit limit of the enterprise. In an embodiment, the sending module 840 can be configured to perform operation S240 described above, and details are not repeated here.

[0130] The second receiving module 850 is configured to receive the credit limit of the enterprise uploaded by the institution node, and issue a loan to the enterprise based on the credit limit. In an embodiment, the second receiving module 850 can be configured to perform operation S250 described above, and details are not repeated here.

[0131] According to embodiments of the present application, any of the first receiving module 810, the verification module 820, the determination module 830, the sending module 840 and the second receiving module 850 can be combined in one module, or any of them can be split into multiple modules. Alternatively, at least part of the function of one or more of these modules can be combined with at least part of the function of other modules, and implemented in one module. According to embodiments of the present application, at least one of the first receiving module 810, the verification module 820, the determination module 830, the sending module 840 and the second receiving module 850 can be at least partially implemented as a hardware circuit, such as a field programmable gate array (FPGA), a programmable logic array (PLA), a system on chip, a system on board, a system on package, an application specific integrated circuit (ASIC), or any other reasonable way of hardware or firmware that can be integrated or packaged, or any one of software, hardware and firmware or any appropriate combination of several of them. Alternatively, at least one of the first receiving module 810, the verification module 820, the determination module 830, the sending module 840 and the second receiving module 850 can be at least partially implemented as a computer program module that can perform corresponding functions when the computer program module is run.

[0132] Figure 9 The block diagram of an electronic device suitable for implementing the credit determination method based on the blockchain according to embodiments of the present application is schematically shown.

[0133] As Figure 9As shown, the electronic device 900 according to an embodiment of the present application includes a processor 901 which can perform various appropriate actions and processes according to a program stored in a read only memory (ROM) 902 or a program loaded from a storage section 908 into a random access memory (RAM) 903. The processor 901 can include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor, and / or a related chipset, and / or a special purpose microprocessor (e.g., an application specific integrated circuit (ASIC)), and so on. The processor 901 can also include an on-board memory for cache use. The processor 901 can include a single processing unit or multiple processing units for executing different actions of the method processes according to embodiments of the present application.

[0134] In the RAM 903, various programs and data required for the operation of the electronic device 900 are stored. The processor 901, the ROM 902, and the RAM 903 are connected to each other via a bus 904. The processor 901 performs various operations of the method processes according to embodiments of the present application by executing the programs in the ROM 902 and / or the RAM 903. Note that the programs can also be stored in one or more memories other than the ROM 902 and the RAM 903. The processor 901 can also perform various operations of the method processes according to embodiments of the present application by executing the programs stored in the one or more memories.

[0135] According to embodiments of the present application, the electronic device 900 can also include an input / output (I / O) interface 905 which is also connected to the bus 904. The electronic device 900 can also include one or more of the following components connected to the input / output (I / O) interface 905: an input section 906 including a keyboard, a mouse, etc.; an output section 907 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, a modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to the input / output (I / O) interface 905 as necessary. A removable medium 911 such as a magnetic disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 910 as necessary, so that a computer program read out from the removable medium 911 is installed in the storage section 908 as necessary.

[0136] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments, or may exist independently and not be incorporated into the device / apparatus / system. The computer-readable storage medium carries one or more programs, and when the one or more programs are executed, the method according to the embodiments of this application is implemented.

[0137] According to an embodiment of the present application, a computer-readable storage medium may be a non-volatile computer-readable storage medium, and may include, for example, but not limited to: a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the present application, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to an embodiment of the present application, a computer-readable storage medium may include the ROM 902 and / or RAM 903 described above and / or one or more memories other than ROM 902 and RAM 903.

[0138] The embodiments of the present application also include a computer program product, which includes a computer program containing program code for executing the method shown in the flowchart. When the computer program product is executed in a computer system, the program code is used to enable the computer system to implement the blockchain-based credit limit determination method provided in the embodiments of the present application.

[0139] The computer program executes the above functions defined in the system / device of the embodiment of the present application when the processor 901 executes the computer program. According to the embodiment of the present application, the system, device, module, unit, etc. described above can be implemented by a computer program module.

[0140] In one embodiment, the computer program may be stored on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may be transmitted and distributed in the form of a signal on a network medium, downloaded and installed via the communication portion 909, and / or installed from a removable medium 911. The program code contained in the computer program may be transmitted using any appropriate network medium, including but not limited to wireless, wired, or any suitable combination thereof.

[0141] In such embodiments, the computer program can be downloaded and installed from the network via the communication section 909, and / or installed from the removable media 911. When the computer program is executed by the processor 901, the above-described functions defined in the system of the embodiments of the present application are performed. According to the embodiments of the present application, the system, device, apparatus, module, unit, and the like described above can be implemented by the computer program modules.

[0142] According to the embodiments of the present application, the program code for executing the computer program provided by the embodiments of the present application can be written in any combination of one or more programming languages, and specifically, these computer programs can be implemented using high-level procedural and / or object-oriented programming language, and / or assembly / machine language. The programming language includes, but is not limited to, such as Java, C++, python, "C" language, or similar programming language. The program code can be executed entirely on the user computing device, partially on the user device, partially on a remote computing device, or entirely on a remote computing device or server. In the case involving a remote computing device, the remote computing device can be connected to the user computing device through any kind of network, including a local area network (LAN) or a wide area network (WAN), or can be connected to an external computing device (for example, connected to the Internet through an Internet service provider).

[0143] The flowcharts and block diagrams in the drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present application. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment, or a portion of code, which contains one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in a different order than that shown in the figures. For example, two blocks noted in succession can actually be executed substantially concurrently, or they can sometimes be executed in reverse order, depending on the functionality involved. It should also be noted that each block in the flowcharts or block diagrams, and combinations of blocks in the flowcharts or block diagrams, can be implemented by dedicated hardware-based systems that perform the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0144] Those skilled in the art can understand that the features described in various embodiments of the present application can be combined and / or integrated in various combinations and / or integrations, even if such combinations or integrations are not explicitly described in the present application. In particular, the features described in various embodiments of the present application can be combined and / or integrated in various combinations and / or integrations without departing from the spirit and teachings of the present application. All such combinations and / or integrations fall within the scope of the present application.

Claims

1. A method for determining a quota based on blockchain, applied to blockchain, characterized in that: The method comprises: Receive multi-dimensional carbon emission data uploaded by enterprise nodes; Verify the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; When the multi-dimensional carbon emission data is real data, determining the first carbon credit information of the enterprise based on the smart contract; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emissions; In response to receiving a data acquisition request sent by an institution node, sending first carbon credit information of the enterprise to the institution node; wherein the first carbon credit information is used to assist the institution in determining a credit limit of the enterprise; The credit limit of the enterprise uploaded by the institution node is received, and a loan is issued to the enterprise based on the credit limit.

2. The credit limit determination method according to claim 1, characterized in that: The method further comprises: In response to a data change in the first carbon credit information of the enterprise meeting a preset condition, the changed first carbon credit information is sent to the institution node, so that the institution adjusts the credit limit of the enterprise based on the received first carbon credit information.

3. The credit limit determination method according to claim 1, characterized in that: The authenticity verification of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node includes: At least one third-party node verifies the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on third-party data; If the third-party data does not conflict with the multi-dimensional carbon emission data uploaded by the enterprise, the multi-dimensional carbon emission data uploaded by the enterprise node is determined to be real data, and the authenticity verification result of the multi-dimensional carbon emission data is updated in the blockchain.

4. The credit limit determination method according to claim 1, characterized in that: When the carbon emission data is real data, determining the first carbon credit information of the enterprise based on the smart contract includes: In response to a result of authenticity verification of the multi-dimensional carbon emission data updated in the blockchain being true data, triggering the smart contract; The smart contract calculates carbon credits for each dimension of carbon emission data according to preset rules, and obtains carbon credit sub-information corresponding to each dimension of carbon emission data; Determine the first carbon credit information of the enterprise according to the carbon credit sub-information and record the first carbon credit information on the blockchain.

5. The credit limit determination method according to claim 1, characterized in that: The step of sending the first carbon credit information of the enterprise to the institution node in response to receiving the data acquisition request sent by the institution node comprises: Verifying the identity and authority of each of the institution nodes based on the data acquisition request; When both the identity verification and the authority verification are passed, the first carbon credit information of the enterprise is sent to the institution node.

6. The credit limit determination method according to claim 1, characterized in that: The receiving the credit limit of the enterprise uploaded by the institution node, and issuing a loan to the enterprise based on the credit limit, includes: receiving and storing a credit limit determined by the institution node based on the first carbon credit information and the basic information of the enterprise; The smart contract issues a loan to the enterprise based on the credit line and records the loan contract on the blockchain.

7. The credit method according to claim 6, characterized in that: The credit limit is determined by the institution based on the basic information of the enterprise and the second carbon credit information, wherein the second carbon credit information is obtained by the institution after adjusting the first carbon credit information based on financial knowledge, and is used to reflect the credit value corresponding to the carbon credit score of the enterprise.

8. A quota determination device based on blockchain, characterized in that: The device comprises: The first receiving module is used to receive multi-dimensional carbon emission data uploaded by the enterprise node; A verification module, configured to verify the authenticity of the multi-dimensional carbon emission data uploaded by the enterprise node based on at least one third-party node; a determination module, configured to determine, based on a smart contract, first carbon credit information of the enterprise when the multi-dimensional carbon emission data is real data; wherein the first carbon credit information is used to reflect the comprehensive performance of the enterprise in terms of carbon emissions; a sending module, configured to send first carbon credit information of the enterprise to the institution node in response to receiving a data acquisition request sent by the institution node; wherein the first carbon credit information is used to assist the institution in determining a credit limit of the enterprise; and The second receiving module is used to receive the credit limit of the enterprise uploaded by the institution node, and issue a loan to the enterprise based on the credit limit.

9. An electronic device comprising: one or more processors; a memory for storing one or more computer programs, It is characterized in that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program or instruction stored thereon, characterized in that: When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

11. A computer program product comprising a computer program or instructions, characterized in that When the computer program or instruction is executed by a processor, the steps of the method according to any one of claims 1 to 7 are implemented.

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