Promotion Method, System and Device for Financial Services

Abstract

The present application discloses a method, system and device for promoting financial services, belonging to the field of network technology. Applied to at least one blockchain node set up for promoting blockchain in financial services, the method includes: obtaining user data according to an authorization instruction of a target user account, where the user data is collected by a business promoter; in response to a received risk control assessment request, performing a risk control assessment on the user data through a target risk control model to obtain a risk control assessment result corresponding to the target user account, and the target risk control model is provided by a target promoter and stored in a regulatory party; promoting financial services according to the risk control assessment result and storing the promotion record in the financial service promotion blockchain. In the embodiments of the present application, since both the risk control model and the user data are provided to the regulatory party, the risk control model and the user data will not be leaked, and the accuracy of the risk control assessment result can be improved, thereby improving the accuracy of promoting financial services based on the risk control assessment result.

Description

Technical Field

[0001] The present application relates to the field of network technologies, and in particular, to a method, a system, and a device for promoting financial services. Background Art

[0002] With the continuous development of Internet technologies, more and more industries have started to promote their services with the help of Internet service providers. For example, a large number of financial institutions (such as banks and insurance industries) promote credit card applications, loans, and installment payment services by placing advertisements in instant messaging applications.

[0003] When providing services to users, financial institutions need to match a risk control model (also known as a risk management model) with user data in consideration of risk control, so as to determine the specific service types provided to users. For example, based on the consumption and repayment records provided by users, the credit limit for users to apply for credit cards is determined. However, since the risk control model is the core secret of financial institutions and user data is the core secret of Internet service providers (not allowed to be easily disclosed), during the process of financial institutions promoting their services, if a user clicks on the information promoted by a financial institution, the financial institution cannot obtain user data from the Internet service provider for risk control assessment; similarly, since the Internet service provider cannot obtain the risk control model, it cannot perform risk control assessment based on user data either.

[0004] Limited by the confidentiality of the above-mentioned risk control model and user data, in related technologies, Internet service providers can only promote financial institutions' services by using the method of user label matching, resulting in a low accuracy of service promotion. Summary of the Invention

[0005] Embodiments of the present application provide a method, a system, and a device for promoting financial services, which can improve the accuracy of financial service promotion on the premise of avoiding the leakage of the risk control model and user data. The technical solutions are as follows:

[0006] On the one hand, embodiments of the present application provide a method for promoting financial services, which is applied to at least one blockchain node set based on a blockchain for promoting financial services;

[0007] The method includes:

[0008] Obtain user data according to an authorization instruction of a target user account, where the user data is collected by a service promoter;

[0009] In response to a received risk control assessment request, perform a risk control assessment on the user data through a target risk control model to obtain a risk control assessment result corresponding to the target user account, where the target risk control model is provided by a target promotion requester and stored in a regulator;

[0010] Conduct financial business promotion based on the risk control assessment result, and store the promotion record in the financial business promotion blockchain.

[0011] On the other hand, an embodiment of the present application provides a financial business promotion system, which includes: a business promotion node, a supervision node, and a promotion request node based on the financial business promotion blockchain;

[0012] The business promotion node is used to obtain user data according to the authorization instruction of the target user account, and the user data is collected by the business promotion party;

[0013] The supervision node is used to respond to the received risk control assessment request, perform risk control assessment on the user data through the target risk control model, and obtain the risk control assessment result corresponding to the target user account. The target risk control model is provided by the target promotion request party and stored in the supervision party;

[0014] The business promotion node is further used to conduct financial business promotion according to the risk control assessment result, and store the promotion record in the financial business promotion blockchain.

[0015] On the other hand, an embodiment of the present application provides a financial business promotion device, which is set in at least one blockchain node based on the financial business promotion blockchain. The device includes:

[0016] An acquisition module, configured to obtain user data according to the authorization instruction of the target user account, and the user data is collected by the business promotion party;

[0017] An evaluation module, configured to respond to the received risk control assessment request, perform risk control assessment on the user data through the target risk control model, and obtain the risk control assessment result corresponding to the target user account. The target risk control model is provided by the target promotion request party and stored in the supervision party.

[0018] A promotion module, configured to conduct financial business promotion according to the risk control assessment result, and store the promotion record in the financial business promotion blockchain.

[0019] On the other hand, an embodiment of the present application provides a computer device, which includes a processor and a memory. At least one instruction, at least one segment of program, code set or instruction set is stored in the memory, and the instruction, the program, the code set or the instruction set is loaded and executed by the processor to implement the promotion method of the financial business as described in the above aspect.

[0020] On the other hand, an embodiment of the present application provides a computer-readable storage medium, in which at least one instruction, at least one program, a code set or an instruction set is stored, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the method for promoting financial services as described in the above aspect.

[0021] The beneficial effects brought by the technical solution provided by the embodiment of the present application at least include:

[0022] Based on blockchain technology, with the user's authorization, blockchain nodes obtain user data collected by business promoters, use a risk control model to conduct risk control assessment on the user data, and then promote financial services according to the obtained risk control assessment results, and store the promotion records in the blockchain; since both the risk control model and user data are provided to the regulatory party, it will not cause leakage of the risk control model and user data, and can improve the accuracy of the risk control assessment results, and further improve the accuracy of promoting financial services based on the risk control assessment results; in addition, blockchain nodes store the promotion records in the blockchain, improving the transparency of the promotion records and the convenience for the promotion requester to understand the situation of financial service promotion. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present application, the following will briefly introduce the drawings required for the description of the embodiments. Obviously, the following drawings are only some embodiments of the present application. For those of ordinary skill in the art, without creative efforts, other drawings can be obtained based on these drawings.

[0024] Figure 1 is a block diagram of a distributed system applied to a blockchain system provided by an exemplary embodiment of the present application;

[0025] Figure 2 is a schematic diagram of a block structure provided by an exemplary embodiment of the present application;

[0026] Figure 3 shows a schematic diagram of the structure of a financial service promotion system provided by an exemplary embodiment of the present application;

[0027] Figure 4 is a block diagram of a computer device provided by an exemplary embodiment of the present application;

[0028] Figure 5 shows a flowchart of a method for promoting financial services provided by an exemplary embodiment of the present application;

[0029] Figure 6 is Figure 5 a schematic diagram of an interface during the implementation process of the method for promoting the financial service shown.

[0030] Figure 7 shows the flowchart of the promotion method of financial services provided by an exemplary embodiment of the present application;

[0031] Figure 8 is a schematic diagram of the interface of the promotion record query interface provided by an exemplary embodiment;

[0032] Figure 9 shows the flowchart of the promotion method of financial services provided by an exemplary embodiment of the present application;

[0033] Figure 10 is a schematic diagram of the interface of the conversion record query interface provided by an exemplary embodiment;

[0034] Figure 11 shows the schematic diagram of the financial service promotion system provided by an exemplary embodiment of the present application;

[0035] Figure 12 shows the block diagram of the promotion device of financial services provided by an embodiment of the present application. Detailed Embodiments

[0036] To make the objectives, technical solutions and advantages of the present application clearer, the embodiments of the present application will be further described in detail below with reference to the accompanying drawings.

[0037] First, the nouns involved in the embodiments of the present application are introduced:

[0038] Blockchain: refers to an intelligent peer-to-peer network that uses a distributed database to identify, disseminate, and record information. Blockchain technology is based on a decentralized peer-to-peer network, which combines cryptographic principles, time-series data, and consensus mechanisms with an open-source program to ensure the coherence and continuity of each node in the distributed database, enabling information to be instantly verified, traceable, but difficult to tamper with and impossible to shield, making the blockchain form a highly private, efficient, and secure sharing system. Each data block in the blockchain contains information about a batch of network transactions, which is used to verify the validity (anti-counterfeiting) of the information and generate the next block. The blockchain can include the blockchain underlying platform, platform product services, and application service layers.

[0039] Consortium blockchain: also known as Consortium Block chains, refers to a blockchain whose consensus process is controlled by preselected nodes. In a consortium blockchain, all or part of the functions are only open to the node members within the chain. Each blockchain node in the consortium blockchain can customize read and write permissions, query permissions, etc. based on needs.

[0040] Smart contract: It refers to a contract program that automatically executes according to specific conditions and is an important way for users to interact with the blockchain and utilize the blockchain to implement business logic. The basic idea of a smart contract is that various contract terms can be embedded in the hardware and software we use, making it costly for attackers to attack. Smart contracts are customized by multiple users and spread through a peer-to-peer (P2P) network and stored in the blockchain. The smart contracts built on the blockchain are automatically executed under trigger conditions. For example, various institutions can access the data storage system through the smart contracts on the blockchain deployed in the server to use functions such as data storage and data query provided by the data storage system. The essence of a smart contract is a set of agreements defined, disseminated, verified, or executed in digital form, including that the contract parties can execute agreements in the smart contract. Smart contracts also allow for trusted transactions without a third party, and such transactions are traceable and irreversible.

[0041] Financial business promotion: The financial business promotion in the embodiments of this application refers to that financial institutions promote their own financial businesses through third-party platforms, enabling users of the third-party platforms to handle corresponding financial businesses according to the promotion content and achieving promotion conversion. Among them, financial institutions can be banks, insurance companies, credit institutions, securities companies, etc. Correspondingly, financial businesses can include loans, credit card repayments, installment payments, insurance businesses, credit businesses, etc.; third-party platforms can include instant messaging application platforms, video application platforms, news reading application platforms, social application platforms, shopping application platforms, etc. Correspondingly, the promotion methods of financial businesses at least include advertising placement.

[0042] Risk control model: A mathematical model used for risk assessment. The risk control model in the embodiments of this application is used to evaluate the risk control level of users based on user data, so as to subsequently determine whether to carry out financial business promotion based on the risk control assessment results or determine the types of financial businesses to be promoted.

[0043] Since the risk control model is the core secret of financial institutions and user data is the core secret of third-party platforms, when financial institutions promote financial businesses through third-party platforms, financial institutions will not provide the risk control model to third-party platforms for risk control assessment, nor will third-party platforms provide user data to financial institutions for risk control assessment and feedback of risk control assessment results. To improve the accuracy of financial business promotion and thus increase the promotion conversion rate, financial institutions will provide third-party platforms with a simple label matching model (conducting risk control assessment based on user labels, with a much lower risk control assessment accuracy than the risk control model), and the third-party platforms will conduct risk control assessment based on user labels (summarized from user data, with a much smaller data volume and lower dimension than user data) and the label matching model, and then conduct promotion based on the risk control assessment results.

[0044] However, there are differences between the risk control evaluation results obtained based on the label matching model and user labels and the risk control evaluation results obtained based on the risk control model and user data, resulting in a low accuracy of business promotion, which in turn affects the promotion conversion rate. In a possible scenario, for the same user, the risk control evaluation result obtained by the third-party platform based on the label matching model and user labels is "loan amount: 20,000 yuan", while the risk control evaluation result obtained based on the risk control model and user data is "loan amount: 10,000 yuan". When the user applies for a financial service, the loan amount obtained is inconsistent with the amount during promotion, which in turn leads to the failure of the financial service application.

[0045] In the embodiments of the present application, based on blockchain technology, with the user's authorization, blockchain nodes obtain the user data collected by the business promoter (i.e., the third-party platform), perform risk control evaluation on the user data using the risk control model, and then promote financial services according to the obtained risk control evaluation results, and store the promotion records in the blockchain; since both the risk control model and user data are provided to the regulatory party, it will not cause leakage of the risk control model and user data, and can improve the accuracy of the risk control evaluation results, thereby improving the accuracy of promoting financial services based on the risk control evaluation results; in addition, the blockchain nodes store the promotion records in the blockchain, improving the transparency of the promotion records and the convenience for the promotion requester (i.e., the financial institution) to understand the situation of financial service promotion.

[0046] The system involved in the embodiments of the present application can be a distributed system formed by connecting a client and multiple nodes (any form of computing device connected to the network, such as a server, user terminal) through network communication.

[0047] Taking the distributed system as a blockchain system as an example, refer to Figure 1 , Figure 1 FIG. 14 is a schematic structural diagram of a distributed system 100 applied to a blockchain system provided by an exemplary embodiment of the present application, formed by multiple nodes (any form of computing device connected to the network, such as a server, user terminal) and a client. A peer-to-peer (P2P) network is formed between the nodes. The P2P protocol is an application layer protocol running on top of the Transmission Control Protocol (TCP). In a distributed system, any machine such as a server or a terminal can join and become a node. A node includes a hardware layer, an intermediate layer, an operating system layer, and an application layer.

[0048] Refer to Figure 1 The functions of each node in the blockchain system shown in FIG. 15 include:

[0049] 1) Routing, a basic function of a node, used to support communication between nodes.

[0050] In addition to the routing function, the node may also have the following functions:

[0051] 2) An application, which is used to be deployed in the blockchain, implements specific services according to actual business requirements, records data related to the implemented functions to form record data, carries a digital signature in the record data to indicate the source of the task data, and sends the record data to other nodes in the blockchain system. When other nodes verify the source and integrity of the record data successfully, the record data is added to the temporary block.

[0052] For example, the services implemented by the application include:

[0053] 2.1) A wallet, which is used to provide the function of conducting electronic currency transactions, including initiating a transaction, that is, sending the transaction record of the current transaction to other nodes in the blockchain system. After other nodes verify successfully, as a response to acknowledging the validity of the transaction, the record data of the transaction is deposited into the temporary block of the blockchain; the wallet also supports querying the remaining electronic currency in the electronic currency address.

[0054] 2.2) A shared ledger, which is used to provide functions such as storage, query, and modification of account data, sends the record data of the operations on the account data to other nodes in the blockchain system. After other nodes verify its validity, as a response to acknowledging the validity of the account data, the record data is deposited into the temporary block, and it can also send a confirmation to the node that initiated the operation.

[0055] 2.3) A smart contract, which is a computerized protocol that can execute the terms of a certain contract. It is implemented through code deployed on the shared ledger and used to execute under certain conditions. According to actual business requirements, the code is used to complete automated transactions. Of course, smart contracts are not limited to executing contracts for transactions, but can also execute contracts for processing received information. For example, a smart contract stipulates that when the promoted financial business is converted, the conversion record is stored in the blockchain.

[0056] 3) A blockchain, which includes a series of blocks (Blocks) that are sequentially connected in the order of generation. Once a new block is added to the blockchain, it will not be removed again. The block records the record data submitted by nodes in the blockchain system. The blockchain in this application includes a financial business promotion blockchain, and the promotion records of financial business are stored in the financial business promotion blockchain. Optionally, the conversion records of the promoted financial business are also stored in the financial business promotion blockchain.

[0057] See Figure 2 , Figure 2It is a schematic diagram of a block structure provided by an exemplary embodiment of the present application. Each block includes the hash value of the transaction records stored in this block (the hash value of this block) and the hash value of the previous block. Each block is connected through the hash value to form a blockchain. In addition, the block may further include information such as the timestamp when the block is generated. The blockchain is essentially a decentralized database, a string of data blocks generated by using cryptographic methods. Each data block contains relevant information for verifying the validity of its information (anti-counterfeiting) and generating the next block.

[0058] Figure 3 It shows a schematic diagram of the structure of a financial business promotion system provided by an exemplary embodiment of the present application. The system includes multiple servers 101 and multiple storage devices 102. Among them, multiple servers 101 can be configured with the same blockchain, that is, the multiple servers 101 can form a blockchain system, and each server 101 is respectively a node in the blockchain system. Optionally, the nodes in the blockchain system include business promotion nodes, supervision nodes, and promotion request nodes. The multiple servers 101 can be multiple servers of the same institution or multiple servers belonging to different institutions. For example, the blockchain system can include servers of different business departments of the same financial institution or servers of different financial institutions. Users of each institution can access the servers of the institution through the terminal 1011. The multiple terminal devices 1011 can be electronic devices capable of accessing the multiple servers 101, and the electronic device can be a computer, a smart phone, a tablet computer, or other electronic devices.

[0059] Of course, for services such as security verification and permission management, a CA center (Certificate Authority) 103 is configured in the blockchain system to store the keys of each institution. Each server in the blockchain system can obtain the keys of each institution from the CA center to perform processes such as data encryption and decryption. The multiple storage devices 102 are used to provide storage services for the multiple servers 101. It should be noted that the multiple storage devices 102 can form a distributed storage system to store data in a distributed form.

[0060] In addition, the above system may further include terminal devices used by users. Users can use the terminal devices to access the background server, and thus access the blockchain through the server to achieve data query. In the embodiment of the present application, users can use the terminal devices to query the promotion records of financial businesses and the conversion records of financial businesses from the financial promotion blockchain.

[0061] Figure 4The structural schematic diagram of a computer device provided by an exemplary embodiment of the present application is shown. The computer device may be Figure 3 the server shown. Specifically:

[0062] The computer device 400 includes a central processing unit (CPU, Central Processing Unit) 401, a system memory 404 including a random access memory (RAM, Random Access Memory) 402 and a read-only memory (ROM, Read Only Memory) 403, and a system bus 405 connecting the system memory 404 and the central processing unit 401. The computer device 400 also includes a basic input / output system (I / O system, Input Output System) 406 for facilitating the transfer of information between various devices within the computer, and a mass storage device 407 for storing an operating system 413, application programs 414, and other program modules 415.

[0063] The basic input / output system 406 includes a display 408 for displaying information and input devices 409 such as a mouse, keyboard, etc. for user input of information. Among them, both the display 408 and the input devices 409 are connected to the central processing unit 401 through an input / output controller 410 connected to the system bus 405. The basic input / output system 406 may also include an input / output controller 410 for receiving and processing inputs from multiple other devices such as a keyboard, mouse, or electronic stylus. Similarly, the input / output controller 410 also provides output to a display screen, printer, or other types of output devices.

[0064] The mass storage device 407 is connected to the central processing unit 401 through a mass storage controller (not shown) connected to the system bus 405. The mass storage device 407 and its associated computer-readable medium provide non-volatile storage for the computer device 400. That is to say, the mass storage device 407 may include computer-readable media (not shown) such as a hard disk or a compact disc read-only memory (CD-ROM, Compact Disc Read Only Memory) drive.

[0065] Without loss of generality, computer-readable media can include computer storage media and communication media. Computer storage media includes volatile and non-volatile, removable and non-removable media implemented by any method or technology for storing information such as computer-readable instructions, data structures, program modules, or other data. Computer storage media includes random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other solid-state storage technologies, CD-ROM, digital versatile disc (DVD) or other optical storage, magnetic tape cartridges, magnetic tape, disk storage or other magnetic storage devices. Of course, those skilled in the art will understand that computer storage media is not limited to the above several types. The above-mentioned system memory 404 and mass storage device 407 can be collectively referred to as memory.

[0066] According to various embodiments of the present application, the computer device 400 can also be run by a remote computer on the network connected through a network such as the Internet. That is, the computer device 400 can be connected to the network 412 through the network interface unit 411 connected to the system bus 405, or in other words, the network interface unit 411 can also be used to connect to other types of networks or remote computer systems (not shown).

[0067] The above-mentioned memory further includes one or more programs, and one or more programs are stored in the memory and are configured to be executed by the CPU.

[0068] Figure 5 The flowchart of the promotion method of the financial service provided by an exemplary embodiment of the present application is shown. This method is applied to at least one blockchain node set up based on the blockchain for financial service promotion as Figure 3 shown, and this method includes the following steps:

[0069] Step 501, obtain user data according to the authorization instruction of the target user account, and the user data is collected by the service promoter.

[0070] In some embodiments, during the process of a user using a third-party platform (i.e., the platform corresponding to the business promoter), the third-party platform collects user data. When the user authorizes the third-party platform to promote financial services based on the user data, the blockchain node corresponding to the business promoter (i.e., the business promotion node) obtains the user data according to the authorization instruction.

[0071] Among them, the target user account is the account used by the user to log in to the third-party platform. For example, when the third-party platform is an instant messaging application platform, the target user account is the instant messaging account.

[0072] In some embodiments, since financial services will be promoted based on the user data subsequently, the user data includes data related to finance. For example, when the third-party platform is an instant messaging application platform, the user data includes the data generated by the user using the finance-related functions in the instant messaging application, which may include the number of transactions, transaction amounts, repayment amounts, etc. Of course, in addition to including data related to finance, the user data may also include other dimensional data such as region, age, gender, age, education level, etc. The specific content of the user data is not limited in this embodiment.

[0073] In a schematic example, as Figure 6 shown, when the user uses the repayment function in the instant messaging application, a banner advertisement 62 is displayed below the repayment interface 61. When a click operation on the banner advertisement 62 is received, the instant messaging application jumps to display a credit query interface 63. When the user checks the authorization box 64 and clicks the credit query button 65, the business promotion node receives the authorization instruction, thereby obtaining the user data corresponding to the user account.

[0074] Step 502, in response to the received risk control assessment request, perform a risk control assessment on the user data through the target risk control model to obtain the risk control assessment result corresponding to the target user account. The target risk control model is provided by the target promotion requestor and stored in the regulatory party.

[0075] To avoid the leakage of the risk control model, in the embodiments of the present application, the risk control model of the financial institution (i.e., the promotion requestor) is provided to the blockchain node corresponding to the regulatory party (i.e., the regulatory node), and the regulatory node stores the risk control model. Among them, the regulatory party may be a financial regulatory agency such as the China Banking Regulatory Commission or the China Securities Regulatory Commission (independent of the promotion requestor and the business promoter and trusted by the promotion requestor and the business promoter).

[0076] In some embodiments, the regulatory node encrypts and stores the risk control model and decrypts it when using the risk control model. Among them, the encryption method may adopt asymmetric encryption.

[0077] In some embodiments, a business promotion node sends a risk control assessment request containing user data to a regulatory node, and the regulatory node uses a target risk control model to perform a risk control assessment on the user data to obtain a risk control assessment result corresponding to the target user account. Among them, the user data sent by the business promotion node can be preprocessed or can be the original unprocessed user data.

[0078] In some embodiments, the risk control assessment result may include a risk control level, a maximum borrowing limit, whether the risk control assessment is passed, and so on. For example, the risk control assessment result indicates that the risk control level of the target user account is medium to low risk, the maximum borrowing limit of the target user account is 10,000, or the target user account passes the risk control assessment.

[0079] In some embodiments, the regulatory node feeds back the risk control assessment result to the business promotion node.

[0080] Through the above method, both the risk model and the user data are provided to the regulatory party, and the regulatory party performs risk assessment based on the risk model and the user data, which can not only avoid the leakage of the risk model and the user data, but also improve the accuracy of the risk assessment result.

[0081] Step 503: Promote financial services according to the risk control assessment result and store the promotion record in the financial service promotion blockchain.

[0082] In some embodiments, based on the risk control assessment result, the business promotion node promotes the financial services of the target promotion requester. For example, when the business promotion party is an instant messaging application platform, relevant information about the financial services of the target promotion requester is displayed in the instant messaging application interface.

[0083] In a schematic example, as Figure 6 shown, when the business promotion node promotes financial services according to the risk control assessment result "maximum borrowing limit 73,000", the quota query interface 63 displays the promotion information 66. Since the risk control assessment result is obtained based on the risk control model and the user data, when the subsequent user clicks the button 67 to jump to the business handling interface of the financial institution for actual borrowing, the borrowing quota is consistent with the risk control assessment result, improving the accuracy of the business promotion.

[0084] In addition, based on blockchain technology, the blockchain node can store the promotion record in the financial service promotion blockchain, and each blockchain node set based on this financial service promotion blockchain can view the promotion record from the blockchain, ensuring the transparency of the promotion record (compared with the related technology where the promotion record is unilaterally provided by the business promotion party to the promotion requester).

[0085] In summary, in the embodiments of the present application, based on blockchain technology, with the user's authorization, blockchain nodes obtain user data collected by business promoters, use a risk control model to perform risk control assessment on the user data, and then conduct financial business promotion according to the obtained risk control assessment results, and store the promotion records in the blockchain; since both the risk control model and the user data are provided to the regulatory party, it will not cause leakage of the risk control model and user data, and can improve the accuracy of the risk control assessment results, thereby improving the accuracy of financial business promotion based on the risk control assessment results; in addition, blockchain nodes store the promotion records in the blockchain, improving the transparency of the promotion records and the convenience for promotion requestors to understand the financial business promotion situation.

[0086] Figure 7 The flowchart of the promotion method for financial business provided by another exemplary embodiment of the present application is shown. This method can be applied to business promotion nodes, regulatory nodes, and promotion request nodes in the financial business promotion blockchain system as shown in Figure 3 and includes the following steps:

[0087] Step 701, the promotion request node sends a risk control model to the regulatory node.

[0088] In some embodiments, before the promotion request node conducts financial business promotion through the business promotion node, it sends the risk control model corresponding to the promotion requestor to the regulatory node.

[0089] To improve the data security of the risk control model, in a possible implementation, the promotion request node first encrypts the risk control model, and then sends the encrypted risk control model to the regulatory node; correspondingly, the supervision node decrypts the risk control model during risk control assessment. Among them, the promotion request node can use an asymmetric encryption method to encrypt the risk control model. For example, the promotion request node uses a private key to encrypt the risk control model, and the supervision node uses the public key corresponding to the private key to decrypt the risk control model.

[0090] Step 702, the regulatory node stores the risk control model.

[0091] Since different promotion requestors may conduct promotions through the same business promoter, after the regulatory node obtains the risk control model, it associates and stores the risk control model with the promotion requestor. In a schematic example, the correspondence between the promotion requestor and the risk control model is shown in Table 1.

[0092] Table 1

[0093] Promotion Requestor Risk Control Model Credit Card Issuer A Credit Risk Control Model A Insurance Company B Insurance Risk Control Model B Lending Institution C Loan Risk Model C

[0094] In some embodiments, the regulatory node can store the risk control model (encrypted) in the risk control model blockchain through a consensus mechanism (each regulatory node in the system can obtain and decrypt the risk control model), and when the risk control model is updated, a new block is added to the risk control model blockchain. Among them, the risk control model blockchain can be a private chain to avoid the leakage of the risk control model.

[0095] Step 703, the business promotion node obtains user data according to the authorization instruction of the target user account, and the user data is collected by the business promoter.

[0096] The implementation manner of this step can refer to the above step 501, and will not be elaborated here in this embodiment.

[0097] Step 704, the business promotion node sends a risk control assessment request to the regulatory node.

[0098] The business promotion node generates a risk control assessment request according to the user data and sends the risk control assessment request to the regulatory node.

[0099] In some embodiments, since the business promoter may provide business promotion services for multiple promotion requesters, and there are differences in the risk control models adopted by different promotion requesters, the risk control assessment request generated by the business promotion node also includes the target promotion requester identifier.

[0100] In some embodiments, since the data required for risk control assessment by different risk control models may be different, the user data included in the risk control assessment request is preprocessed, and the preprocessing method includes screening the target user data, and the target user data is the user data used by the risk control model corresponding to the target promotion requester.

[0101] In some embodiments, the user data carried in the risk control assessment request is desensitized to remove sensitive information such as names.

[0102] Step 705, in response to the received risk control assessment request, the regulatory node obtains the target promotion requester identifier included in the risk control assessment request.

[0103] After receiving the risk control assessment request, the regulatory node obtains the target promotion requester identifier and the user data included therein, so as to subsequently determine the risk control model to be used for risk control assessment based on the target promotion requester identifier.

[0104] In a schematic example, the monitoring node is based on the target promotion requester identifier "Credit Card Issuer A" included in the risk control assessment request.

[0105] Step 706, the regulatory node obtains the target risk control model according to the target promotion requester identifier, where different promotion requesters correspond to different risk control models.

[0106] Further, the regulatory node obtains the stored target risk control model according to the target promotion request identifier. Combining with the example in the above steps, the regulatory node determines the credit risk control model A as the target risk control model.

[0107] In some embodiments, when the target risk control model is stored in the risk control model blockchain, the monitoring node obtains the target risk control model from the risk control model blockchain according to the target promotion requester identifier.

[0108] Step 707, the regulatory node inputs the user data into the target risk control model to obtain the risk control evaluation result output by the target risk control model. The target risk control model is used to match the user data with the corresponding risk control indicators and determine the risk control evaluation result according to the matching results of each indicator.

[0109] Optionally, the target risk control model includes several risk control indicators. When performing risk control evaluation, the target risk control model matches the user data with the corresponding risk control indicators to obtain the indicator matching results corresponding to each risk control indicator, and then comprehensively obtains the risk control evaluation result based on the indicator matching results (such as performing weighted calculation on the indicator matching results).

[0110] Schematically, the risk control indicators included in the target risk control model include deposit amount indicator, repayment overdue times indicator, consumption amount indicator, etc. This embodiment does not limit this.

[0111] Step 708, the regulatory node sends the risk control evaluation result to the business promotion node.

[0112] Step 709, the business promotion node promotes financial business according to the risk control evaluation result and stores the promotion record in the financial business promotion blockchain corresponding to the target promotion requester, where different promotion requesters correspond to different financial business promotion blockchains.

[0113] Among them, the process of the business promotion node promoting financial business can refer to the above 503, and this embodiment will not elaborate here.

[0114] Since there may be interest competition or conflicts between different financial institutions, in order to avoid the mutual leakage of information between different financial institutions, the business promoter sets different financial business promotion blockchains for different promotion requesters. The business promoter has the permissions of reading, writing, querying, etc. for each financial business promotion blockchain, while the promotion requester only has the permissions of reading, writing, querying, etc. for its corresponding financial business promotion blockchain.

[0115] In a possible implementation, after obtaining the risk control evaluation result and promoting the financial business, the business promotion node determines the financial business promotion blockchain corresponding to the target promotion requester, and thus stores the promotion record in the financial business promotion blockchain.

[0116] In some embodiments, the promotion record may include at least one of the promotion time, user information (which can be extracted from user data), and the risk control evaluation result. The embodiments of the present application do not limit the specific content of the promotion record.

[0117] For the process of uploading the promotion record to the blockchain, in a possible implementation, the business promotion node stores the promotion record in the financial business promotion blockchain according to the consensus mechanism. The consensus mechanism means that in the blockchain system, when each node reaches a consensus on the same event, then the event takes effect. For example, when new information needs to be stored on the blockchain, when more than half of the nodes in the blockchain system recognize the event corresponding to storing the new information, that is, more than half of the nodes in the blockchain system reach a consensus, the event corresponding to storing the new information takes effect, and the new information will be stored on the blockchain.

[0118] When the blockchain receives the information corresponding to the promotion record, it verifies the information corresponding to the promotion record. After the verification is completed, it stores the input information in the memory pool and updates the hash tree used to record the input information; then it updates the timestamp to the time when the input information is received, and tries different random numbers, and performs eigenvalue calculations multiple times so that the calculated eigenvalue can satisfy the following formula:

[0119] SHA256(SHA256(version + prev_hash + merkle_root + ntime + nbits + x)) < TARGET

[0120] Wherein, SHA256 is the eigenvalue algorithm used to calculate the eigenvalue; version (version number) is the version information of the relevant block protocol in the blockchain; prev_hash is the block header eigenvalue of the parent block of the current block; merkle_root is the eigenvalue of the input information; ntime is the update time of the updated timestamp; nbits is the calculation difficulty of the current block, which is a fixed value within a period of time and is determined again after exceeding the fixed time period; x is a random number; TARGET is the eigenvalue threshold, and the eigenvalue threshold can be determined according to nbits.

[0121] When a random number that satisfies the above formula is calculated, the promotion record can be stored correspondingly, generating a block header and a block theme to obtain the current block. Subsequently, the business promotion node depends on other nodes in the blockchain system, and other nodes verify the newly generated block and add the newly generated block to the blockchain they store after the verification is completed.

[0122] Through the above steps, a financial business promotion and the promotion record are uploaded to the chain. In a possible application scenario, when the promotion requester needs to obtain the promotion record, a query request can be sent to the business promotion node, and the business promotion node feeds back the historical promotion record according to the query request. The process of feeding back the promotion record is as follows in steps 710 to 711.

[0123] Step 710, the business promotion node obtains the historical promotion record that meets the first query condition from the financial business promotion blockchain, and the first query condition includes at least one of a promotion time condition, a risk control evaluation result condition, or a promotion requester condition.

[0124] In some embodiments, the business promoter provides a visual query function, and the staff can query the historical promotion record from the financial business promotion blockchain by outputting the query condition.

[0125] In some embodiments, when it is necessary to query the historical promotion record based on time, the promotion time condition is included in the first query condition, and the promotion time condition can be a time period or a predetermined duration before the current moment. For example, the promotion time condition is the most recent month.

[0126] In some embodiments, when it is necessary to query the historical promotion record based on risk control information, the risk control evaluation result condition is included in the first query condition, and the risk control evaluation result condition can be at least one of a risk control level, whether the risk control evaluation is passed, or a risk control score. For example, the risk control evaluation result condition is that the risk control level is medium to high risk.

[0127] In some embodiments, since the promotion records corresponding to different promotion requesters are stored in the blockchain, when it is necessary to query the historical promotion record of a specified promotion requester, the promotion requester condition is included in the first query condition, and the promotion requester condition can be a promotion requester identifier. For example, the promotion requester condition is credit card issuer A.

[0128] In an exemplary example, such as Figure 8As shown in the figure, the promotion record query interface 801 includes a geographical condition input control 802, a time condition input control 803, a risk control level condition input control 804, and a financial structure condition input control 805. According to the input query conditions, the business promotion node retrieves from the financial business promotion blockchain the historical promotion records of promoting credit cards (issued by credit card issuer A) to medium and high-risk users in area C of city B in province A during the period from January 1, 2020 to February 1, 2020.

[0129] Of course, in addition to the above conditions, the first query condition may also include other dimension conditions such as geographical conditions (such as the promotion of users within a specified area) and age conditions (such as the promotion of users within a specified age range). The embodiments of the present application do not limit this.

[0130] Step 711, the business promotion node feeds back the historical promotion records to the promotion request node.

[0131] Furthermore, the business promotion node feeds back the retrieved historical promotion records to the promotion request node so that the promotion requestor can calculate the promotion cost based on the historical promotion records.

[0132] Of course, in addition to querying the historical promotion records through the business promotion node, the promotion request node can also query the historical promotion records stored in the blockchain. This is not elaborated in this embodiment.

[0133] In this embodiment, the business promotion node can retrieve the historical promotion records that meet the query conditions from the financial business promotion blockchain according to the query conditions and feed back the historical promotion records to the promotion requestor. Since the data on the blockchain cannot be tampered with, the authenticity of the retrieved historical promotion records is guaranteed, and the query convenience of the historical promotion records is improved.

[0134] Usually, some financial businesses promoted by the business promoter will be converted. For example, users handle loans according to the promoted loan business, and the conversion effect is an important basis for the promotion requestor to pay for promotion. In the related art, the promotion conversion data is unilaterally provided by the promotion requestor, resulting in problems such as inaccurate data and low transparency. In the embodiments of the present application, the promotion request node can implement the conversion record on-chain based on blockchain technology. On Figure 7 this basis, as Figure 9 shown, before step 703, step 712 may also be included, and after step 709, steps 713 to 715 may also be included.

[0135] Step 712, the promotion request node stores the promotion conversion smart contract in the financial business promotion blockchain through the consensus mechanism. The promotion conversion smart contract is used to represent the conditions that need to be met when a financial business is converted from promotion to handling.

[0136] In order to improve the transparency of conversion data, in a possible implementation, the promotion requester and the business promoter formulate a promotion conversion smart contract in advance according to the conditions satisfied when the financial business is promoted and then processed, and store the promotion conversion smart contract in the financial business promotion blockchain based on the consensus mechanism of the blockchain.

[0137] A promotion conversion smart contract refers to a contract program that automatically executes the conversion record on the chain according to specific conditions, including that the contract parties (including the promotion requester and the business promoter) execute the agreed protocols in the smart contract. The promotion conversion smart contract includes at least one of information of the contract parties, the protocols of the contract (i.e., the content of the promotion conversion), the execution conditions of the contract, the consequences of violating the contract, and the signatures or seals of the parties. Optionally, the promotion conversion smart contract is an electronic contract drawn up by the promotion requester and the business promoter through the Internet.

[0138] In a schematic example, the conditions satisfied when the financial business is promoted and then processed are: when accessing the financial business processing page through a specified link, it is determined that the promotion is successfully converted, and the specified link is provided by the promotion requester to the business promoter.

[0139] In some embodiments, the promotion request node sends the promotion conversion smart contract to the blockchain system. Any node in the blockchain system receives the promotion conversion smart contract and broadcasts it to other nodes. The content of the broadcast is to store the promotion conversion smart contract in the blockchain. Other nodes verify the promotion conversion smart contract to verify its authenticity and legality. When the verification by other nodes is passed, the blockchain system stores the promotion conversion smart contract in the blockchain. Optionally, the verification method is that the node initiating the broadcast uses the private key corresponding to the node for electronic signature, and other nodes use the public key of the node to verify the electronic signature.

[0140] Optionally, after the smart contract is stored in the blockchain system, the blockchain system sends information that the smart contract has been successfully stored to the promotion request node and the business promotion node, and sends the address of the smart contract on the blockchain to the promotion request node and the business promotion node.

[0141] Step 713, the promotion request node stores the conversion record in the financial business promotion blockchain according to the promotion conversion smart contract.

[0142] In a possible implementation, when the promoted financial business is converted, the promotion request node stores the conversion record in the financial business promotion blockchain according to the promotion conversion smart contract. The conversion record may include at least one of the conversion time, risk control assessment information, and user information, which is not limited in this application.

[0143] In some embodiments, the promotion request node stores the conversion records in the financial business promotion blockchain corresponding to itself.

[0144] Step 714, the promotion request node obtains historical conversion records that meet the second query condition from the financial business promotion blockchain. The second query condition includes at least one of a conversion time condition or a risk control assessment result condition.

[0145] In some embodiments, the promotion requester provides a visual query function, and the staff can query historical conversion records from the financial business promotion blockchain by outputting query conditions.

[0146] In some embodiments, when it is necessary to query historical conversion records based on time, the conversion time condition is included in the second query condition, and the conversion time condition can be a time period or a predetermined duration before the current moment. For example, the conversion time condition is the most recent month.

[0147] In some embodiments, when it is necessary to query historical conversion records based on risk control information, the risk control assessment result condition is included in the second query condition, and the risk control assessment result condition can be at least one of a risk control level, whether the risk control assessment is passed, or a risk control score. For example, the risk control assessment result condition is that the risk control level is medium to high risk.

[0148] Of course, in addition to the above conditions, the second query condition may also include other dimension conditions such as a geographical condition (such as the promotion of users within a specified area) and an age condition (such as the promotion of users in a specified age group). The embodiments of the present application do not limit this.

[0149] In an exemplary example, as Figure 10 shown, the conversion record query interface 1001 includes a geographical condition input control 1002, a time condition input control 1003, and a risk control level condition input control 1004. According to the input query conditions, the promotion request node obtains from the financial business promotion blockchain the historical conversion records of promoting credit cards (issued by credit card issuer A) to medium to high risk users in area C of city B in province A and achieving conversions during the period from January 1, 2020 to February 1, 2020.

[0150] Step 715, the promotion request node feeds back the historical conversion records to the business promoter.

[0151] Furthermore, the promotion request node feeds back the queried historical conversion records to the business promotion node so that the business promoter can perform fee settlement based on the historical conversion records.

[0152] Of course, in addition to querying historical conversion records through the promotion request node, the business promotion node can also query the historical promotion records stored in the blockchain (the query condition needs to include the identifier of the promotion request party), which will not be elaborated in this embodiment.

[0153] In this embodiment, the promotion request node can obtain historical conversion records that meet the query conditions from the financial business promotion blockchain according to the query conditions, and feedback the historical conversion records to the business promoter. Since the data on the blockchain cannot be tampered with, the authenticity of the queried historical conversion records is guaranteed, and the query convenience of the historical conversion records is improved.

[0154] This application also provides a financial business promotion system, which includes the business promotion node, the supervision node, and the promotion request node in the above method. The financial business promotion system will be described below.

[0155] Figure 11 FIG. shows a schematic diagram of a financial business promotion system provided by an exemplary embodiment of this application. The financial business promotion system 1110 includes an application layer 1111, a blockchain service layer 1112, and a node management layer 1113.

[0156] The application layer 1111 includes platforms or systems for providing business promotion application handling and historical record querying. For example, a promotion business application system 1111a, a promotion record query system 1111b, and a conversion record query system 1111c. Users perform promotion business applications and historical record queries on the platforms or systems provided by the application layer 1111. Optionally, the platforms or systems in the application layer 1111 can be applications, or applets (programs that rely on host programs to run), or web pages. In one example, the promotion request party requests the business promoter to conduct financial business promotion through the promotion business application system in the application layer 1111, queries historical conversion records through the conversion record query system, and queries historical promotion records through the promotion record query system.

[0157] The blockchain service layer 1112 is used to provide functions such as data storage, query, synchronization, and encryption for the financial business promotion system 1110, such as smart contracts. Optionally, the blockchain includes one or more blockchains, which can be a public blockchain, a consortium blockchain, or a private blockchain. A public blockchain refers to a blockchain that is not controlled by anyone and is open to anyone, and anyone can participate in the maintenance and reading of blockchain data. A private blockchain refers to a blockchain that is only used by enterprises, national institutions, or individual entities. Nodes on this private blockchain can participate in the maintenance and reading of blockchain data. A consortium blockchain refers to a blockchain that requires registration and permission, also known as a Permissioned Blockchain, which is limited to consortium members to participate. The consortium scale can be between countries or between different institutions. Nodes on the consortium blockchain can adopt the same processing method for the same business through a consensus process. This application is described based on the financial business promotion system being constructed based on a consortium blockchain.

[0158] The node management layer 1113 has functions of storing a risk control model, generating promotion records, generating conversion records, and querying historical records. The node management layer 1113 includes a business promotion node 1113a, a supervision node 1113b, and a promotion request node 1113c.

[0159] An embodiment of this application provides a financial business promotion system 1110, which includes: a business promotion node 1113a, a supervision node 1113b, and a promotion request node 1113 set based on a financial business promotion blockchain. The functions of each of the above nodes can refer to the above embodiment, and this embodiment will not be elaborated here.

[0160] The following is an apparatus embodiment of this application, which can be used to execute the method embodiment of this application. For details not disclosed in the apparatus embodiment of this application, please refer to the method embodiment of this application.

[0161] Figure 12 The block diagram of a promotion apparatus for a financial business provided by an embodiment of this application is shown. The apparatus is set in at least one blockchain node set based on a financial business promotion blockchain, and the apparatus includes:

[0162] An acquisition module 1210, configured to acquire user data according to an authorization instruction of a target user account, where the user data is collected by a business promoter;

[0163] An evaluation module 1220, configured to, in response to a received risk control evaluation request, perform a risk control evaluation on the user data through a target risk control model to obtain a risk control evaluation result corresponding to the target user account, where the target risk control model is provided by a target promotion requester and stored in a supervisor.

[0164] A promotion module 1230 is used to promote financial services according to the risk control evaluation result and store the promotion record in the financial service promotion blockchain.

[0165] In a possible implementation, an evaluation module 1220 is used to:

[0166] Obtain the target promotion requester identifier included in the risk control evaluation request;

[0167] Obtain the target risk control model according to the target promotion requester identifier, where different promotion requesters correspond to different risk control models;

[0168] Input the user data into the target risk control model to obtain the risk control evaluation result output by the target risk control model. The target risk control model is used to match the user data with corresponding risk control indicators and determine the risk control evaluation result according to the matching results of each indicator.

[0169] In a possible implementation, the promotion module 1230 is used to: store the promotion record in the financial service promotion blockchain corresponding to the target promotion requester, where different promotion requesters correspond to different financial service promotion blockchains.

[0170] In a possible implementation, the device further includes:

[0171] A first query module is used to obtain historical promotion records that meet the first query condition from the financial service promotion blockchain. The first query condition includes at least one of a promotion time condition, a risk control evaluation result condition, or a promotion requester condition;

[0172] A first feedback module is used to feedback the historical promotion records to the target promotion requester.

[0173] In a possible implementation, the device further includes:

[0174] A conversion module is used to store a promotion conversion smart contract in the financial service promotion blockchain through a consensus mechanism. The promotion conversion smart contract is used to represent the conditions that need to be met when a financial service is converted from promotion to handling;

[0175] Store the conversion record in the financial service promotion blockchain according to the promotion conversion smart contract.

[0176] In a possible implementation, the device further includes:

[0177] A second query module, configured to obtain historical conversion records that meet the second query conditions from the financial business promotion blockchain, where the second query conditions include at least one of a conversion time condition or a risk control assessment result condition;

[0178] A second feedback module, configured to feedback the historical conversion records to the business promoter.

[0179] In summary, based on blockchain technology, with the user's authorization, blockchain nodes obtain user data collected by business promoters, use a risk control model to perform risk control assessment on the user data, and then promote financial business based on the obtained risk control assessment results, and store the promotion records in the blockchain; since both the risk control model and user data are provided to the regulatory party, it will not cause leakage of the risk control model and user data, and can improve the accuracy of the risk control assessment results, thereby improving the accuracy of promoting financial business based on the risk control assessment results; in addition, blockchain nodes store the promotion records in the blockchain, improving the transparency of the promotion records and the convenience for the promotion requester to understand the financial business promotion situation.

[0180] An embodiment of the present application further provides a computer device, which includes a processor and a memory. The memory stores at least one instruction, at least one program, a code set or an instruction set. The at least one instruction, at least one program, the code set or the instruction set is loaded and executed by the processor to implement the promotion method of the financial business provided by the above method embodiments.

[0181] An embodiment of the present application further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, it implements the promotion method of the financial business provided by the above method embodiments.

[0182] It should be understood that "a plurality" mentioned herein refers to two or more. "And / or" describes the association relationship of associated objects, indicating that three relationships may exist. For example, A and / or B may represent: A exists alone, A and B exist simultaneously, and B exists alone. The character " / " generally represents an "or" relationship between the associated objects before and after.

[0183] Those of ordinary skill in the art can understand that all or part of the steps to implement the above embodiments can be completed by hardware, or can be completed by a program instructing relevant hardware. The program can be stored in a computer-readable storage medium. The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disc, etc.

[0184] The above are only alternative embodiments of the present application and are not intended to limit the present application. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principle of the present application shall be included within the protection scope of the present application.

Claims

1. A promotion method for financial services, characterized in that, The method is applied to at least one blockchain node set up for promoting blockchain based on financial services. The at least one blockchain node includes a business promotion node, a supervision node, and a promotion request node; The method includes: The business promotion node obtains user data according to the authorization instruction of the target user account, and the user data is collected by the business promoter; When receiving the risk control evaluation request sent by the business promotion node, the supervision node performs risk control evaluation on the user data through the target risk control model to obtain the risk control evaluation result corresponding to the target user account. The target risk control model is provided by the target promotion requester and encrypted and stored in the supervision node; When receiving the risk control evaluation result fed back by the supervision node, the business promotion node promotes financial services according to the risk control evaluation result and stores the promotion record in the financial service promotion blockchain corresponding to the target promotion requester, where different promotion requesters correspond to different financial service promotion blockchains; The business promotion node obtains historical promotion records that meet the first query condition from the financial service promotion blockchain. The first query condition includes at least one of a promotion time condition, a risk control evaluation result condition, or a promotion requester condition; the business promotion node feeds back the historical promotion records to the promotion request node corresponding to the target promotion requester.

2. The method according to claim 1, wherein When receiving the risk control evaluation request sent by the business promotion node, the supervision node performs risk control evaluation on the user data through the target risk control model to obtain the risk control evaluation result corresponding to the target user account, including: The supervision node obtains the target promotion requester identifier included in the risk control evaluation request; The supervision node obtains the target risk control model according to the target promotion requester identifier, where different promotion requesters correspond to different risk control models; The supervision node inputs the user data into the target risk control model to obtain the risk control evaluation result output by the target risk control model. The target risk control model is used to match the user data with corresponding risk control indicators and determine the risk control evaluation result according to the matching results of each indicator.

3. The method according to any one of claims 1 to 2, characterized in that The method further includes: The promotion request node stores the promotion conversion smart contract in the financial service promotion blockchain through the consensus mechanism. The promotion conversion smart contract is used to represent the conditions that need to be met when the financial service is converted from promotion to handling; The promotion request node stores the conversion record in the financial service promotion blockchain according to the promotion conversion smart contract.

4. The method according to claim 3, wherein The method further includes: The promotion request node obtains historical conversion records that meet the second query condition from the financial service promotion blockchain. The second query condition includes at least one of a conversion time condition or a risk control evaluation result condition; The promotion request node feeds back the historical conversion records to the business promoter.

5. A financial business promotion system, characterized in that, The financial service promotion system includes: a business promotion node, a supervision node, and a promotion request node based on the financial service promotion blockchain; The business promotion node is used to obtain user data according to the authorization instruction of the target user account, and the user data is collected by the business promoter; The supervision node is used to, when receiving the risk control assessment request sent by the business promotion node, perform risk control assessment on the user data through the target risk control model to obtain the risk control assessment result corresponding to the target user account. The target risk control model is provided by the target promotion requester and encrypted and stored in the supervision node; The business promotion node is further used to, when receiving the risk control assessment result fed back by the supervision node, conduct financial business promotion according to the risk control assessment result and store the promotion record in the financial business promotion blockchain corresponding to the target promotion requester, where different promotion requesters correspond to different financial business promotion blockchains; The business promotion node is further used to obtain historical promotion records that meet the first query condition from the financial business promotion blockchain. The first query condition includes at least one of a promotion time condition, a risk control assessment result condition, or a promotion requester condition; and feedback the historical promotion records to the promotion request node corresponding to the target promotion requester.

6. A promotion device for financial services, characterized in that, The device is set in at least one blockchain node set up based on the financial business promotion blockchain. The at least one blockchain node includes a business promotion node, a supervision node, and a promotion request node. The device includes: An acquisition module, configured to obtain user data according to the authorization instruction of the target user account, and the user data is collected by the business promoter; An evaluation module, configured to, when receiving the risk control assessment request sent by the business promotion node, perform risk control assessment on the user data through the target risk control model to obtain the risk control assessment result corresponding to the target user account. The target risk control model is provided by the target promotion requester and encrypted and stored in the supervision node; A promotion module, configured to, when receiving the risk control assessment result fed back by the supervision node, conduct financial business promotion according to the risk control assessment result and store the promotion record in the financial business promotion blockchain corresponding to the target promotion requester, where different promotion requesters correspond to different financial business promotion blockchains; A first query module, configured to obtain historical promotion records that meet the first query condition from the financial business promotion blockchain. The first query condition includes at least one of a promotion time condition, a risk control assessment result condition, or a promotion requester condition; A first feedback module, configured to feedback the historical promotion records to the promotion request node corresponding to the target promotion requester.

7. A computer device, characterized in that, The computer device includes a processor and a memory. At least one instruction, at least one program, a code set, or an instruction set is stored in the memory. The at least one instruction, the at least one program, the code set, or the instruction set is loaded and executed by the processor to implement the promotion method of the financial business according to any one of claims 1 to 4.

8. A computer storage medium, characterized in that, The storage medium stores at least one instruction, at least one program, a code set or an instruction set, and the at least one instruction, the at least one program, the code set or the instruction set is loaded and executed by a processor to implement the method for promoting a financial service as described in any one of claims 1 to 4.

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