Blockchain-based service information generation method, device, equipment, and storage medium

Abstract

This application discloses a blockchain-based service information generation method, device, equipment, and storage medium. The method includes: a service integration platform sends service matching standards to a blockchain; a product platform monitors user behavior data, and when the behavior data meets target preconditions, triggers a service matching standard request, and determines a target user group based on the behavior data; the product platform obtains a service matching result corresponding to the target user group from the blockchain based on the service matching standard request, and sends the service matching result to the service integration platform; the service integration platform obtains target service information based on the service matching result, and sends the target service information to the blockchain; the product platform obtains the target service information by accessing the blockchain, and sends the target service information to the user terminal. The use of embodiments of the present application helps to improve the efficiency and accuracy of service information generation.

Description

Technical Field

[0001] The present application relates to the field of blockchain technology, and in particular to a method, apparatus, device, and storage medium for generating service information based on blockchain. Background Art

[0002] Currently, the process for generating service information involves the following: the service provider performs offline verification of user information, identity verification, and background checks. If successful, service information is generated, and the user must visit the service provider to view their service information. Alternatively, the product platform sends the user information to the service provider, who verifies the information is correct and generates the service information. The service information is then sent to the product platform, which then sends it to the user's terminal. Because these processes involve asynchronous and manual verification, the efficiency and accuracy of service information generation are low. Summary of the Invention

[0003] The embodiments of the present application provide a blockchain-based service information generation method, apparatus, device, and storage medium for improving the efficiency and accuracy of service information generation.

[0004] This embodiment of the present application provides a method for generating service information based on blockchain, the method comprising:

[0005] The service integration platform generates service matching criteria based on the multiple service data sent by multiple service providers, and sends the service matching criteria to the blockchain. Multiple service data correspond to multiple service providers one by one.

[0006] The product platform monitors user behavior data. When the behavior data meets the target preconditions, it triggers a service matching standard request and determines the target user group based on the behavior data.

[0007] The product platform obtains the service matching results corresponding to the target user group from the blockchain according to the service matching standard request, and sends the service matching results to the service integration platform;

[0008] The service integration platform obtains target service information based on the service matching results and sends the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results.

[0009] The product platform obtains target service information by accessing the blockchain and sends the target service information to the user terminal.

[0010] The present invention provides a service information generation device based on blockchain, comprising:

[0011] A service integration unit is used to generate service matching criteria based on multiple service data sent by multiple service providers, and send the service matching criteria to the blockchain, where the multiple service data correspond one-to-one with the multiple service providers;

[0012] The product unit is used to monitor user behavior data. When the behavior data meets the target preconditions, it triggers a service matching standard request and determines the target user group based on the behavior data.

[0013] The product unit is also used to obtain the service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, and send the service matching results to the service integration platform;

[0014] The service integration unit is further configured to obtain target service information based on the service matching results and send the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results.

[0015] The product unit is also used to obtain target service information by accessing the blockchain and sending the target service information to the user terminal.

[0016] An embodiment of the present application provides a blockchain-based service information generation device, including a processor, a memory, a communication interface, and one or more programs. The one or more programs are stored in the memory and configured to be executed by the processor. The program includes instructions for executing some or all of the steps in the method of the first aspect of the embodiment of the present application.

[0017] An embodiment of the present application provides a computer-readable storage medium, which is used to store a computer program. The computer program is executed by a processor to implement some or all of the steps described in the method of the first aspect of the embodiment of the present application.

[0018] An embodiment of the present application provides a computer program product, comprising a non-transitory computer-readable storage medium storing a computer program, wherein the computer program is operable to cause a computer to execute some or all of the steps described in the method of the first aspect of the embodiment of the present application. The computer program product may be a software installation package.

[0019] It can be seen that compared to the asynchronous verification and manual verification involved in the process of service information generation, in the embodiment of the present application, the product platform determines the target user group based on behavioral data, obtains the service matching results corresponding to the target user group from the blockchain based on the service matching standard request, and sends the service matching results to the service integration platform; the service integration platform obtains the target service information based on the service matching results, and sends the target service information to the blockchain; the product platform obtains the target service information by accessing the blockchain, and sends the target service information to the user terminal. Since information from multiple service providers, service integration platforms, and product platforms is fed back in real time, it helps to improve the efficiency of service information generation. At the same time, multiple service providers, service integration platforms, and product platforms jointly maintain a blockchain, and perform real-time verification of user information on the blockchain, avoiding possible errors in manual verification, and thus helping to improve the accuracy of service information generation.

[0020] These and other aspects of the present application will become more readily apparent from the description of the following embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0021] In order to more clearly illustrate the technical solutions in the embodiments of the present application or the background technology, the drawings required for use in the embodiments of the present application or the background technology will be described below.

[0022] Figure 1 This is a schematic diagram of the architecture of a blockchain-based service information generation device provided in an embodiment of the present application;

[0023] Figure 2A This is a flowchart of a method for generating service information based on blockchain provided in an embodiment of the present application;

[0024] Figure 2B This is a schematic diagram of the connection relationship between multiple service providers, a service integration platform, and a product platform provided in an embodiment of the present application;

[0025] Figure 3 This is a flowchart of another method for generating service information based on blockchain provided in an embodiment of the present application;

[0026] Figure 4 This is a block diagram of the functional units of a blockchain-based service information generation device provided in an embodiment of the present application;

[0027] Figure 5 This is a structural diagram of a blockchain-based service information generation device provided in an embodiment of the present application.

[0028] Specific implementation method

[0029] In order to enable those skilled in the art to better understand the solution of the present application, the technical solution in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application.

[0030] The following is a detailed introduction to the embodiments of the present application.

[0031] The collection and processing of relevant data in this application, such as "payment behavior, target personal information, and social credit records and other behavioral data", should be strictly in accordance with the requirements of relevant national laws and regulations when applied in practice, and should have a legal basis or obtain the informed consent or separate consent of the personal information subject, and carry out subsequent data use and processing within the scope of authorization of laws and regulations and / or the personal information subject.

[0032] See Figure 1 , Figure 1 This is a schematic diagram of the architecture of a blockchain-based service information generation device provided in an embodiment of the present application. The blockchain-based service information generation device includes multiple service providers, a service integration platform, a blockchain, a product platform, and a user terminal, wherein:

[0033] Multiple service parties are used to send multiple service data to the service integration platform, and the multiple service data correspond one-to-one to the multiple service parties;

[0034] A service integration platform, which is used to generate service matching criteria based on multiple service data and send the service matching criteria to the blockchain;

[0035] The product platform is used to monitor user behavior data. When the behavior data meets the target preconditions, it triggers the service matching standard request and determines the target user group based on the behavior data.

[0036] The product platform is also used to obtain the service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, and send the service matching results to the service integration platform;

[0037] The service integration platform is further configured to obtain target service information based on the service matching results and send the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results.

[0038] The product platform is also used to obtain target service information by accessing the blockchain and sending the target service information to the user terminal.

[0039] See Figure 2A , Figure 2A 201 is a flowchart of a method for generating service information based on blockchain provided by an embodiment of the present application. The method for generating service information based on blockchain includes steps 201-205, which are specifically as follows:

[0040] 201. The service integration platform generates a service matching standard based on the multiple service data sent by the multiple service providers, and sends the service matching standard to the blockchain, where the multiple service data correspond one to one with the multiple service providers.

[0041] A service integration platform is a platform where users who meet certain conditions can obtain additional paid or free services in an active or passive manner when using the services provided by the product platform.

[0042] The service provider is a company, enterprise, organization, or individual that provides additional services. The service provider connects with users of the product platform through the service integration platform and provides services. A service provider can be an insurance company.

[0043] Blockchain is a new application model for computer technologies such as distributed data storage, peer-to-peer transmission, consensus mechanisms, and encryption algorithms. Essentially, a blockchain is a decentralized database, a series of data blocks linked using cryptographic methods. Each block contains information about a batch of online transactions, which is used to verify the validity of this information (to prevent counterfeiting) and generate the next block.

[0044] The blockchain can be a public chain, a private chain, or a joint chain. In the embodiment of the present application, whether the blockchain is a public chain, a private chain, or a joint chain depends on the scenario in which the blockchain-based service information generation method is applied.

[0045] In some possible embodiments, the service integration platform generates service matching criteria based on multiple service data sent by multiple service parties, including:

[0046] The service integration platform obtains N user groups and N service names included in each of the plurality of service data sent by the plurality of service providers, where the N service names correspond one-to-one to the N user groups, and N is an integer greater than or equal to 1;

[0047] The service integration platform generates a mapping relationship between user categories and service names based on all user categories and all service names included in the plurality of service data;

[0048] The service integration platform determines the mapping relationship between user categories and service names as the service matching standard.

[0049] User groups may include those who prefer short-term installments, those who prefer medium-term installments, those who prefer long-term installments, those who have small loan needs, those who have medium loan needs, and those who have large loan needs.

[0050] The service names may include short-term installment service, medium-term installment service, long-term installment service, small-amount insurance service, medium-amount insurance service, large-amount insurance service, etc.

[0051] Each service provider can provide one or more user groups and one or more service names.

[0052] In the mapping relationship between user groups and service names, one user group corresponds to one service name.

[0053] The mapping relationship between user groups and service names may be represented in a table or in other feasible ways, which are not limited here.

[0054] As can be seen, in this example, the service integration platform first obtains several user groups and several service names based on multiple service data. Then, based on these user groups and service names, it generates a mapping relationship between user groups and service names (i.e., service matching criteria). The product platform then determines the target user group based on behavioral data and, based on the service matching criteria request, obtains the service matching results corresponding to the target user group from the blockchain feedback, sending the service matching results to the service integration platform. The service integration platform obtains the target service information based on the service matching results and sends the target service information to the blockchain. The product platform obtains the target service information by accessing the blockchain and sends the target service information to the user terminal. The real-time feedback of information from multiple service providers, the service integration platform, and the product platform helps improve the efficiency of service information generation. Furthermore, multiple service providers, the service integration platform, and the product platform jointly maintain a blockchain and conduct real-time verification of user information on the blockchain, avoiding potential errors in manual verification and thus helping to improve the accuracy of service information generation.

[0055] The service integration platform determines the latest service matching standards based on the time of service data sent by multiple service providers. Specifically, the service integration platform receives service data B and sending time B sent by service provider B; the service integration platform receives service data B' and sending time B' sent by service provider B; if sending time B is earlier than sending time B', the service integration platform generates the latest service matching standards for service provider B based on service data B'; if sending time B is later than sending time B', the service integration platform generates the latest service matching standards for service provider B based on service data B; the service integration platform sends the latest service matching standards for service provider B to the blockchain, so that the blockchain can timely update the stored service matching standards.

[0056] 202. The product platform monitors the user's behavioral data. When the behavioral data meets the target preconditions, it triggers a service matching standard request and determines the target user group based on the behavioral data.

[0057] The product platform is the party that provides product services, and users directly receive the product services provided by the platform.

[0058] For example, if Figure 2B As shown, Figure 2B This is a schematic diagram of the connection relationship between multiple service parties, a service integration platform and a product platform provided in an embodiment of the present application. Assume that there are three service parties (service party A, service party B and service party C), and service party A, service party B and service party C are respectively connected to the service integration platform network, and the service integration platform is connected to the product platform network.

[0059] Target preconditions can be conditions that need to be met. For example, preconditions include having more than two credit card repayments in the month, a monthly repayment amount greater than 1,000 yuan, and having repayments for three consecutive months.

[0060] Behavioral data includes the user's payment behavior on the product platform within a preset period of time, which may include the number of monthly credit card repayments, the monthly credit card repayment amount, the number of consecutive repayment months, etc.

[0061] The service matching annotation request can be triggered by the user in an active manner, that is, if the user's behavior data meets the target preconditions, the insurance service will be displayed, and the user clicks to trigger the insurance service; or, the service matching standard request can be triggered by the user in a passive manner, that is, if the user's behavior data meets the target preconditions, the user will be prompted to trigger the insurance service, so that the user can passively click to trigger the insurance service.

[0062] In some possible embodiments, the product platform determines the target user group based on behavioral data, including:

[0063] The product platform obtains the pre-stored mapping relationship between user behaviors and user groups;

[0064] The product platform obtains the target user groups corresponding to the behavioral data based on the mapping relationship between user behavior and user groups.

[0065] The mapping relationship between user behavior and user group is pre-stored in the product platform. The mapping relationship between user behavior and user group is shown in Table 1 below:

[0066] Table 1

[0067]

[0068]

[0069] One user group corresponds to one user behavior. The precondition can be determined by multiple service providers. That is, when the user behavior of the target user meets the target precondition, the behavior data is obtained according to the target precondition.

[0070] Furthermore, if the behavioral data includes the user's social credit record with the contracted service provider;

[0071] Based on the mapping relationship between behavioral data and social credit records and user groups, the target user groups are determined. Through behavioral data and social credit records, the target user groups are determined, and the target service information is determined. Different behavioral data and social credit records will determine different target service information.

[0072] As can be seen in this example, the product platform monitors user behavioral data. When the behavioral data meets the target preconditions, it determines the target user group based on the behavioral data. Then, based on the service matching criteria, the product platform obtains the service matching results corresponding to the target user group from the blockchain and sends them to the service integration platform. The service integration platform obtains the target service information based on the service matching results and sends this information to the blockchain. The product platform obtains the target service information by accessing the blockchain and sends this information to the user terminal. The real-time feedback from multiple service providers, the service integration platform, and the product platform improves the efficiency of service information generation. Furthermore, these multiple service providers, the service integration platform, and the product platform jointly maintain a blockchain and conduct real-time verification of user information on the blockchain, avoiding potential errors in manual verification and thus improving the accuracy of service information generation.

[0073] 203. The product platform obtains the service matching results corresponding to the target user group from the blockchain according to the service matching standard request, and sends the service matching results to the service integration platform.

[0074] In some possible embodiments, the product platform obtains the service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, including:

[0075] The product platform sends a service matching standard request to the blockchain. The service matching standard request is used to instruct the blockchain to feedback the latest service matching standard stored;

[0076] The product platform receives the mapping relationship between user groups and service names sent by the blockchain in response to the service matching standard request;

[0077] The product platform obtains the target service name corresponding to the target user group according to the mapping relationship between the user group and the service name, and determines the target service name as the service matching result.

[0078] The mapping relationship between user groups and service names is shown in Table 2 below:

[0079] Table 2

[0080] User groups Service Name Small loan needs Small insurance services Medium loan demand Medium-limit insurance services Large loan demand Large insurance services …… ……

[0081] As can be seen, in this example, the product platform first receives the mapping relationship between user category groups and service names sent by the blockchain in response to the service matching standard request. It then determines the target service name corresponding to the target user category as the service matching result. The product platform then sends the service matching result to the service integration platform. The service integration platform obtains the target service information based on the service matching result and sends the target service information to the blockchain. The product platform obtains the target service information by accessing the blockchain and sends the target service information to the user terminal. Since information is fed back in real time by multiple service providers, service integration platforms, and product platforms, it helps to improve the efficiency of service information generation. At the same time, multiple service providers, service integration platforms, and product platforms jointly maintain a blockchain and conduct real-time verification of user information on the blockchain, avoiding possible errors in manual verification and thus helping to improve the accuracy of service information generation.

[0082] In some possible embodiments, the behavior data also includes target personal information. After the product platform sends the service matching result to the service integration platform, the method further includes:

[0083] The product platform sends the target’s personal information to the blockchain;

[0084] The blockchain receives the target personal information sent by the product platform, verifies the target personal information, obtains the verification results, and sends the verification results to the service integration platform.

[0085] The target personal information may include the target user's real-name information, credit information, and user private key.

[0086] The blockchain can include multiple sets of user personal information, which correspond one-to-one to multiple user private keys. Each set of user personal information includes a user's real-name information and credit information. When the blockchain verifies personal information, the personal information of different users can be obtained through different user private keys; multiple sets of user personal information can be pre-stored by users in the blockchain.

[0087] Optionally, the target personal information includes the first real-name information, the first credit information, and the first user private key of the target user. The blockchain verifies the target personal information and obtains a verification result, including:

[0088] The blockchain obtains the second real-name information and the second credit information corresponding to the first user's private key;

[0089] If the first real-name information is the same as the second real-name information, and the first credit information is the same as the second credit information, the blockchain determines that the verification result is successful; or,

[0090] If the first real-name information is different from the second real-name information, and / or the first credit information is different from the second credit information, the blockchain determines that the verification result is a verification failure.

[0091] 204. The service integration platform obtains target service information based on the service matching results and sends the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results.

[0092] In some possible embodiments, before the service integration platform obtains target service information according to the service matching result, the method further includes:

[0093] The service integration platform receives the verification results sent by the blockchain;

[0094] If the verification result is successful, the service integration platform triggers an operation to obtain target service information based on the service matching result.

[0095] The target service information may be independently generated by the service integration platform based on the service matching results; the target service information may be independently generated by the service provider based on the service matching results; or the target service information may be jointly generated by the service integration platform and multiple service providers based on the service matching results.

[0096] In some possible embodiments, the service integration platform obtains target service information according to the service matching result, including:

[0097] The service integration platform obtains a target service provider corresponding to the service name included in the service matching result;

[0098] The service integration platform determines whether the agreement between the service integration platform and the target service provider allows the service integration platform to independently generate service information, and whether the service integration platform has the authorization of the target service provider;

[0099] If so, the service integration platform obtains target service information corresponding to the service name included in the service matching result according to the service data sent by the target service provider. The target service information includes the first service content, the first service period, the first service agreement and the first service clause ID.

[0100] The service integration platform pre-stores an agreement between the service integration platform and each of the multiple service providers.

[0101] The first service clause ID may be an insurance policy ID.

[0102] As can be seen, in this example, the service integration platform independently generates target service information based on the service matching results and then sends this information to the blockchain. The product platform then obtains this target service information by accessing the blockchain and sends it to the user terminal. This real-time feedback from multiple service providers, the service integration platform, and the product platform improves the efficiency of service information generation. Furthermore, these multiple service providers, the service integration platform, and the product platform jointly maintain a single blockchain, and real-time verification of user information on the blockchain avoids potential errors in manual verification, thereby improving the accuracy of service information generation.

[0103] In some possible embodiments, the method further includes:

[0104] If not, the service integration platform sends a service information request to the target service provider. The service information request is used to instruct the target service provider to feedback the latest service content, latest service period, latest service agreement and latest service terms ID stored;

[0105] The service integration platform receives the second service content, second service period, second service agreement, and second service clause ID sent by the target service provider in response to the service information request within a preset time period;

[0106] The service integration platform determines the second service content, the second service period, the second service agreement, and the second service clause ID as target service information.

[0107] As can be seen, in this example, the service integration platform and the target service provider jointly generate target service information based on the service matching results. The service integration platform then sends this target service information to the blockchain. The product platform then obtains this target service information by accessing the blockchain and sends it to the user terminal. The real-time feedback from multiple service providers, the service integration platform, and the product platform improves the efficiency of service information generation. Furthermore, these multiple service providers, the service integration platform, and the product platform jointly maintain a single blockchain, and real-time verification of user information is performed on the blockchain, avoiding potential errors in manual verification and thus improving the accuracy of service information generation.

[0108] The service integration platform determines the latest service information based on the time of service data sent by multiple service providers. Specifically, the service integration platform receives service data C and sending time C sent by service provider C; the service integration platform receives service data C' and sending time C' sent by service provider C; if sending time C is earlier than sending time C', the service integration platform obtains the latest service information of service provider C based on service data C'; if sending time C is later than sending time C', the service integration platform obtains the latest service information of service provider C based on service data C; the service integration platform sends the latest service information of service provider C to the blockchain, so that the blockchain can timely update the stored service information.

[0109] 205. The product platform obtains target service information by accessing the blockchain and sends the target service information to the user terminal.

[0110] User terminals may include various handheld devices, wearable devices, computing devices, or other processing devices connected to a wireless modem with wireless communication capabilities.

[0111] Optionally, the product platform obtains target service information by accessing the blockchain, including:

[0112] The product platform sends an access request to the blockchain, which instructs the blockchain to feedback the latest stored service information;

[0113] The product platform receives the target service information sent by the blockchain in response to the access request.

[0114] In a possible embodiment, applied to a financial scenario, specifically a credit card repayment scenario, the following steps are performed:

[0115] The service integration platform is connected to the network of multiple service providers. The service integration platform obtains multiple service data sent by multiple service providers to generate service matching standards, and sends the service matching standards to the blockchain. The multiple service data correspond to multiple service providers one-to-one. The service matching standards include a mapping relationship between user groups and service names. The user groups include small loan demand categories, medium loan demand categories, large loan demand categories, etc., which are determined by the service providers. The service names include small insurance services, medium insurance services, and large insurance services.

[0116] When the target user uses financial services (credit card repayment services) on the product platform, the product platform monitors the target user's behavioral data. When the behavioral data meets the target preconditions, the service matching standard request is triggered in an active or passive manner, and the target user group is determined based on the target payment behavior. The behavioral data includes the target personal information and the target payment behavior of the target user on the product platform within a preset time period. If the target payment behavior is a monthly credit card repayment amount greater than or equal to the second amount, the target user group is a large-amount loan demand type. The product platform obtains the service matching results corresponding to the target user group from the blockchain feedback based on the service matching standard request, and sends the service matching results to the service integration platform. If the target user group is a large-amount loan demand type, the service matching results include large-amount insurance services.

[0117] The product platform sends the target’s personal information to the blockchain;

[0118] The blockchain receives the target personal information sent by the product platform, verifies the target personal information, obtains the verification results, and sends the verification results to the service integration platform;

[0119] When the service integration platform obtains a successful verification result, it obtains the target service information based on the service matching result and sends the target service information to the blockchain; if the service matching result is a large-value insurance service, the target service information includes the large-value insurance service content, large-value insurance service period, large-value insurance service agreement and large-value insurance service terms ID;

[0120] The product platform obtains target service information by accessing the blockchain and sends it to the user's terminal. This target service information includes both free and paid service information. When applied to credit card repayment scenarios, a "repayment rights protection" feature has been introduced. If a user makes a repayment on the social product platform and a repayment fails or is overdue due to issues with the platform itself or its systems, the platform and the service provider will provide the user with corresponding compensation and pay a certain amount of compensation. Different user behavior data corresponds to different target service information. This includes determining target user groups based on behavioral data such as repayment amount, number of repayments, and whether or not a payment is made in installments, thereby determining target service information; or determining target service information based on behavioral data and social credit records. Specifically, since this service operates within the WeChat ecosystem, the WeChat accounts of the partner and the user are the parties to the agreement. The target service information is generated by the service integration platform and / or multiple service providers based on service matching results.

[0121] It can be seen that compared to the asynchronous verification and manual verification involved in the process of service information generation, in the embodiment of the present application, the product platform determines the target user group based on behavioral data, obtains the service matching results corresponding to the target user group from the blockchain based on the service matching standard request, and sends the service matching results to the service integration platform; the service integration platform obtains the target service information based on the service matching results, and sends the target service information to the blockchain; the product platform obtains the target service information by accessing the blockchain, and sends the target service information to the user terminal. Since information from multiple service providers, service integration platforms, and product platforms is fed back in real time, it helps to improve the efficiency of service information generation. At the same time, multiple service providers, service integration platforms, and product platforms jointly maintain a blockchain, and perform real-time verification of user information on the blockchain, avoiding possible errors in manual verification, and thus helping to improve the accuracy of service information generation.

[0122] With the above Figure 2A For details on the embodiment shown, see Figure 3 , Figure 3 3 is a flow chart of another method for generating service information based on blockchain provided in an embodiment of the present application. The method for generating service information based on blockchain includes steps 301-317, which are as follows:

[0123] 301. Multiple service providers send multiple service data to the service integration platform, and the multiple service data correspond one-to-one to the multiple service providers.

[0124] 302. The service integration platform receives a plurality of service data sent by a plurality of service providers, and generates a mapping relationship between user groups and service names according to the plurality of service data.

[0125] For step 302, please refer to the description of step 201 above, which will not be described again here.

[0126] 303. The service integration platform sends the mapping relationship between user groups and service names to the blockchain.

[0127] 304. The product platform monitors the user's behavioral data. When the behavioral data meets the target preconditions, it triggers a service matching standard request and determines the target user group based on the behavioral data, which includes the target personal information.

[0128] For step 304, please refer to the description of step 202 above, which will not be described again here.

[0129] 305. The product platform sends a service matching standard request to the blockchain. The service matching standard request is used to instruct the blockchain to feedback the latest service matching standard stored.

[0130] 306. The blockchain receives the service matching standard request and sends the mapping relationship between the user group and the service name to the product platform.

[0131] 307. The product platform receives the mapping relationship between the user group and the service name sent by the blockchain, and obtains the target service name corresponding to the target user group based on the mapping relationship between the user group and the service name.

[0132] 308. The product platform sends the target service name to the service integration platform.

[0133] 309. The service integration platform obtains the target service name.

[0134] 310. The product platform sends the target personal information to the blockchain.

[0135] 311. The blockchain receives the target personal information sent by the product platform, verifies the target personal information, and obtains the verification result.

[0136] 312. The blockchain sends the verification results to the service integration platform.

[0137] 313. The service integration platform receives the verification result sent by the blockchain. If the verification result is successful, the target service information is obtained according to the target service name.

[0138] For step 313 , please refer to the description of step 204 above, which will not be described again here.

[0139] 314. The service integration platform sends the target service information to the blockchain.

[0140] 315. The product platform sends an access request to the blockchain. The access request is used to instruct the blockchain to feedback the latest service information stored.

[0141] 316. The blockchain receives the access request sent by the product platform and sends the target service information to the product platform.

[0142] 317. The product platform receives the target service information sent by the blockchain and sends the target service information to the user terminal.

[0143] It should be noted that Figure 3 The specific implementation process of each step of the method shown can be referred to the specific implementation process of the above method, which will not be described again here.

[0144] See Figure 4 , Figure 4 This is a block diagram of the functional units of a blockchain-based service information generation device provided in an embodiment of the present application. The blockchain-based service information generation device 400 includes:

[0145] The service integration unit 401 is used to generate a service matching standard based on the multiple service data sent by the multiple service providers, and send the service matching standard to the blockchain, where the multiple service data correspond to the multiple service providers in a one-to-one manner;

[0146] Product unit 402 is used to monitor user behavior data, trigger a service matching standard request when the behavior data meets the target precondition, and determine the target user group based on the behavior data;

[0147] The product unit 402 is further configured to obtain the service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, and send the service matching results to the service integration platform;

[0148] The service integration unit 401 is further configured to obtain target service information based on the service matching results and send the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results.

[0149] The product unit 402 is further configured to obtain target service information by accessing the blockchain and send the target service information to the user terminal.

[0150] It can be seen that compared to the asynchronous verification and manual verification involved in the process of service information generation, in the embodiment of the present application, the product platform determines the target user group based on behavioral data, obtains the service matching results corresponding to the target user group from the blockchain based on the service matching standard request, and sends the service matching results to the service integration platform; the service integration platform obtains the target service information based on the service matching results, and sends the target service information to the blockchain; the product platform obtains the target service information by accessing the blockchain, and sends the target service information to the user terminal. Since information from multiple service providers, service integration platforms, and product platforms is fed back in real time, it helps to improve the efficiency of service information generation. At the same time, multiple service providers, service integration platforms, and product platforms jointly maintain a blockchain, and perform real-time verification of user information on the blockchain, avoiding possible errors in manual verification, and thus helping to improve the accuracy of service information generation.

[0151] In some possible embodiments, in terms of generating a service matching standard based on a plurality of service data sent by a plurality of service providers, the service integration unit 401 is specifically configured to:

[0152] Obtain N user groups and N service names included in each of the plurality of service data sent by the plurality of service providers, where the N service names correspond one-to-one to the N user groups, and N is an integer greater than or equal to 1;

[0153] Generate a mapping relationship between user groups and service names according to all user groups and all service names included in the plurality of service data;

[0154] The mapping relationship between user categories and service names is determined as the service matching standard.

[0155] In some possible embodiments, in determining the target user group based on the behavioral data, the product unit 402 is specifically configured to:

[0156] Obtain the pre-stored mapping relationship between user behaviors and user groups;

[0157] According to the mapping relationship between user behavior and user group, the target user group corresponding to the behavior data is obtained.

[0158] In some possible embodiments, in terms of obtaining the service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, the product unit 402 is specifically configured to:

[0159] Send a service matching standard request to the blockchain. The service matching standard request is used to instruct the blockchain to feedback the latest service matching standard stored;

[0160] Receive the mapping relationship between user groups and service names sent by the blockchain in response to service matching standard requests;

[0161] The target service name corresponding to the target user group is obtained according to the mapping relationship between the user group and the service name, and the target service name is determined as the service matching result.

[0162] In some possible embodiments, in terms of obtaining target service information according to the service matching result, the service integration unit 401 is specifically configured to:

[0163] Obtain the target service provider corresponding to the service name included in the service matching result;

[0164] Determine whether the agreement between the service integration platform and the target service provider allows the service integration platform to independently generate service information, and whether the service integration platform has authorization from the target service provider;

[0165] If so, target service information corresponding to the target service name is obtained according to the service data sent by the target service provider, where the target service information includes the first service content, the first service period, the first service agreement and the first service clause ID.

[0166] In some possible embodiments, in terms of obtaining target service information according to the service matching result, the service integration unit 401 is specifically configured to:

[0167] If not, a service information request is sent to the target service provider, where the service information request is used to instruct the target service provider to feedback the latest stored service content, latest service period, latest service agreement, and latest service terms ID;

[0168] Receiving the second service content, second service period, second service agreement, and second service clause ID sent by the target service provider in response to the service information request within a preset time period;

[0169] The second service content, the second service period, the second service agreement, and the second service clause ID are determined as target service information.

[0170] In some possible embodiments, applied to financial scenarios,

[0171] Product unit 402 is used to actively or passively trigger a service matching standard request when a target user uses financial services on the product platform and the behavior data meets the target preconditions, and determine the target user group based on the behavior data; the behavior data includes the target personal information and the target payment behavior of the target user on the product platform within a preset time period;

[0172] The product unit 402 is further configured to obtain a service matching result corresponding to the target user group from the blockchain according to the service matching standard request, and send the service matching result to the service integration platform; wherein the service matching result includes an insurance product name;

[0173] The product unit 402 is further used to send the target personal information to the blockchain so that the blockchain can verify the target personal information and obtain a verification result;

[0174] The service integration unit 401 is configured to obtain target service information based on the service matching result when the verification result is successful, and send the target service information to the blockchain. The target service information includes the first insurance service content, the first insurance service term, the first insurance service agreement, and the first insurance service clause ID;

[0175] The product unit 402 is further configured to obtain target service information by accessing the blockchain and send the target service information to the user terminal.

[0176] With the above Figure 2A and Figure 3 For details on the embodiment shown, see Figure 5 , Figure 5 : This is a schematic diagram of the structure of a blockchain-based service information generation device provided in an embodiment of the present application. The blockchain-based service information generation device 500 includes a processor, a memory, a communication interface, and one or more programs. The one or more programs are stored in the memory and configured to be executed by the processor. The programs include instructions for performing the following steps:

[0177] Generate service matching criteria based on multiple service data sent by multiple service providers, send the service matching criteria to the blockchain, and correspond one-to-one between multiple service data and multiple service providers;

[0178] Monitor user behavior data. When the behavior data meets the target preconditions, trigger the service matching standard request and determine the target user group based on the behavior data.

[0179] According to the service matching standard request, obtain the service matching results corresponding to the target user group fed back by the blockchain, and send the service matching results to the service integration platform;

[0180] Obtain target service information based on the service matching results, and send the target service information to the blockchain. The target service information is generated by the service integration platform and / or multiple service providers based on the service matching results;

[0181] The target service information is obtained by accessing the blockchain and sent to the user terminal.

[0182] It can be seen that compared to the asynchronous verification and manual verification involved in the process of service information generation, in the embodiment of the present application, the product platform determines the target user group based on behavioral data, obtains the service matching results corresponding to the target user group from the blockchain based on the service matching standard request, and sends the service matching results to the service integration platform; the service integration platform obtains the target service information based on the service matching results, and sends the target service information to the blockchain; the product platform obtains the target service information by accessing the blockchain, and sends the target service information to the user terminal. Since information from multiple service providers, service integration platforms, and product platforms is fed back in real time, it helps to improve the efficiency of service information generation. At the same time, multiple service providers, service integration platforms, and product platforms jointly maintain a blockchain, and perform real-time verification of user information on the blockchain, avoiding possible errors in manual verification, and thus helping to improve the accuracy of service information generation.

[0183] In some possible embodiments, in terms of generating service matching criteria based on multiple service data sent by multiple service parties, the above program includes instructions specifically for performing the following steps:

[0184] Obtain N user groups and N service names included in each of the plurality of service data sent by the plurality of service providers, where the N service names correspond one-to-one to the N user groups, and N is an integer greater than or equal to 1;

[0185] Generate a mapping relationship between user groups and service names according to all user groups and all service names included in the plurality of service data;

[0186] The mapping relationship between user categories and service names is determined as the service matching standard.

[0187] In some possible embodiments, in terms of determining the target user group based on the behavioral data, the above program includes instructions specifically for performing the following steps:

[0188] Obtain the pre-stored mapping relationship between user behaviors and user groups;

[0189] According to the mapping relationship between user behavior and user group, the target user group corresponding to the behavior data is obtained.

[0190] In some possible embodiments, in terms of obtaining service matching results corresponding to the target user group fed back by the blockchain according to the service matching standard request, the above program includes instructions specifically for performing the following steps:

[0191] Send a service matching standard request to the blockchain. The service matching standard request is used to instruct the blockchain to feedback the latest service matching standard stored;

[0192] Receive the mapping relationship between user groups and service names sent by the blockchain in response to service matching standard requests;

[0193] The target service name corresponding to the target user group is obtained according to the mapping relationship between the user group and the service name, and the target service name is determined as the service matching result.

[0194] In some possible embodiments, in terms of obtaining target service information according to the service matching results, the above program includes instructions specifically for performing the following steps:

[0195] Obtain the target service provider corresponding to the service name included in the service matching result;

[0196] Determine whether the agreement between the service integration platform and the target service provider allows the service integration platform to independently generate service information, and whether the service integration platform has authorization from the target service provider;

[0197] If so, target service information corresponding to the target service name is obtained according to the service data sent by the target service provider, where the target service information includes the first service content, the first service period, the first service agreement and the first service clause ID.

[0198] In some possible embodiments, in terms of obtaining target service information according to the service matching results, the above program includes instructions specifically for performing the following steps:

[0199] If not, a service information request is sent to the target service provider. The service information request is used to instruct the target service provider to feedback the latest stored service content, latest service period, latest service agreement and latest service terms ID;

[0200] Receiving the second service content, second service period, second service agreement, and second service clause ID sent by the target service provider in response to the service information request within a preset time period;

[0201] The second service content, the second service period, the second service agreement, and the second service clause ID are determined as target service information.

[0202] In some possible embodiments, applied to financial scenarios, the above program includes instructions for performing the following steps:

[0203] When a target user uses financial services on the product platform and their behavioral data meets the target preconditions, a service matching standard request is triggered actively or passively, and the target user group is determined based on the behavioral data; the behavioral data includes the target personal information and the target payment behavior of the target user on the product platform within a preset time period;

[0204] According to the service matching standard request, obtain the service matching result corresponding to the target user group fed back by the blockchain, and send the service matching result to the service integration platform; wherein the service matching result includes an insurance product name;

[0205] Send the target personal information to the blockchain so that the blockchain can verify the target personal information and obtain the verification result;

[0206] When the verification result is successful, the target service information is obtained according to the service matching result, and the target service information is sent to the blockchain. The target service information includes the first insurance service content, the first insurance service period, the first insurance service agreement and the first insurance service clause ID;

[0207] The target service information is obtained by accessing the blockchain and sent to the user terminal.

[0208] An embodiment of the present application provides a computer-readable storage medium for storing a computer program. The computer program is executed by a processor to implement part or all of the steps of any method described in the above method embodiments.

[0209] Embodiments of the present application provide a computer program product, comprising a non-transitory computer-readable storage medium storing a computer program, wherein the computer program is operable to cause a computer to perform some or all of the steps of any of the methods described in the above method embodiments. The computer program product may be a software installation package.

[0210] It should be noted that for the aforementioned method embodiments, for the sake of simplicity, they are all expressed as a series of action combinations, but those skilled in the art should be aware that this application is not limited by the order of the actions described, because according to this application, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in the specification are all preferred embodiments, and the actions and modules involved are not necessarily required by this application.

[0211] In the above embodiments, the description of each embodiment has its own focus. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0212] In the several embodiments provided in this application, it should be understood that the disclosed devices can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the above-mentioned units is only a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, and the indirect coupling or communication connection of devices or units can be electrical or other forms.

[0213] The units described above as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of these units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0214] In addition, the functional units in the various embodiments of the present application may be integrated into a single processing unit, or each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0215] If the above-mentioned integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable memory. Based on this understanding, the technical solution of the present application, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a memory and includes a number of instructions for enabling a computer device (which can be a personal computer, server or network device, etc.) to execute all or part of the steps of the above-mentioned methods of each embodiment of the present application. The aforementioned memory includes: various media that can store program codes, such as a USB flash drive, a read-only memory (ROM), a random access memory (RAM), a mobile hard disk, a magnetic disk or an optical disk.

[0216] Those skilled in the art will appreciate that all or part of the steps in the various methods of the above embodiments can be completed by instructing related hardware through a program. The program can be stored in a computer-readable memory, and the memory can include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0217] The above is a detailed introduction to the embodiments of the present application. Specific examples are used herein to illustrate the principles and implementation methods of the present application. The description of the above embodiments is only used to help understand the method and core idea of the present application. At the same time, for those skilled in the art, based on the ideas of the present application, there may be changes in the specific implementation methods and application scope. In summary, the content of this specification should not be understood as a limitation on the present application.

Claims

1. A method for generating service information based on blockchain, characterized in that: The method comprises: The service integration platform generates a service matching standard based on the multiple service data sent by the multiple service providers, and sends the service matching standard to the blockchain, wherein the multiple service data correspond one-to-one to the multiple service providers; The product platform monitors user behavior data and, when the behavior data meets target preconditions, triggers a service matching standard request and determines a target user group based on the behavior data; the behavior data includes target personal information; The product platform obtains the service matching result corresponding to the target user group fed back by the blockchain according to the service matching standard request, and sends the service matching result to the service integration platform; The product platform sends the target personal information to the blockchain, so that the blockchain verifies the target personal information, obtains a verification result, and sends the verification result to the service integration platform; When the service integration platform obtains the verification result as successful, it obtains target service information according to the service matching result, and sends the target service information to the blockchain. The target service information is generated by the service integration platform and / or the multiple service providers according to the service matching result; The product platform obtains the target service information by accessing the blockchain and sends the target service information to the user terminal.

2. The method according to claim 1, characterized in that The service integration platform generates service matching criteria based on multiple service data sent by multiple service parties, including: The service integration platform obtains N user groups and N service names included in each of the plurality of service data sent by the plurality of service providers, wherein the N service names correspond one-to-one to the N user groups, and N is an integer greater than or equal to 1; The service integration platform generates a mapping relationship between user groups and service names according to all user groups and all service names included in the plurality of service data; The service integration platform determines the mapping relationship between the user group and the service name as a service matching standard.

3. The method according to claim 2, characterized in that The product platform determines a target user group based on the behavioral data, including: The product platform obtains a pre-stored mapping relationship between user behaviors and user groups; The product platform obtains the target user group corresponding to the behavior data according to the mapping relationship between the user behavior and the user group.

4. The method according to claim 1, wherein The product platform obtains the service matching result corresponding to the target user group fed back by the blockchain according to the service matching standard request, including: The product platform sends the service matching standard request to the blockchain, where the service matching standard request is used to instruct the blockchain to feedback the latest stored service matching standard; The product platform receives the mapping relationship between user groups and service names sent by the blockchain in response to the service matching standard request; The product platform obtains the target service name corresponding to the target user group according to the mapping relationship between the user group and the service name, and determines the target service name as a service matching result.

5. The method according to claim 1, wherein The service integration platform obtains target service information according to the service matching result, including: The service integration platform obtains a target service provider corresponding to the service name included in the service matching result; The service integration platform determines whether the agreement between the service integration platform and the target service provider allows the service integration platform to independently generate service information, and whether the service integration platform has authorization from the target service provider; If so, the service integration platform obtains the target service information corresponding to the service name included in the service matching result according to the service data sent by the target service provider, and the target service information includes the first service content, the first service period, the first service agreement and the first service clause ID.

6. The method according to claim 5, characterized in that The method further comprises: If not, the service integration platform sends a service information request to the target service provider, wherein the service information request is used to instruct the target service provider to feedback the latest stored service content, latest service period, latest service agreement and latest service terms ID; The service integration platform receives, within a preset time period, the second service content, the second service period, the second service agreement, and the second service clause ID sent by the target service provider in response to the service information request; The service integration platform determines the second service content, the second service period, the second service agreement, and the second service clause ID as target service information.

7. The method according to claim 1, characterized in that Applied to financial scenarios, the method further includes: When a target user uses financial services on the product platform and the behavior data meets the target precondition, the service matching standard request is triggered in an active or passive manner, and the target user group is determined based on the behavior data; the behavior data includes target personal information and the target payment behavior of the target user on the product platform within a preset time period; According to the service matching standard request, obtaining the service matching result corresponding to the target user group fed back by the blockchain, and sending the service matching result to the service integration platform; wherein the service matching result includes an insurance product name; The product platform sends the target personal information to the blockchain, so that the blockchain verifies the target personal information and obtains a verification result; When the service integration platform obtains the verification result as successful, it obtains target service information based on the service matching result and sends the target service information to the blockchain. The target service information includes the first insurance service content, the first insurance service term, the first insurance service agreement, and the first insurance service clause ID; The product platform obtains the target service information by accessing the blockchain and sends the target service information to the user terminal.

8. A service information generation device based on blockchain, characterized in that: The device comprises: A service integration unit, configured to generate a service matching standard based on a plurality of service data sent by a plurality of service providers, and send the service matching standard to the blockchain, wherein the plurality of service data corresponds one-to-one to the plurality of service providers; A product unit is configured to monitor user behavior data, trigger a service matching standard request when the behavior data meets a target precondition, and determine a target user group based on the behavior data; the behavior data includes target personal information; The product unit is further configured to obtain, according to the service matching standard request, a service matching result corresponding to the target user group fed back by the blockchain, and send the service matching result to the service integration unit; The product unit is further configured to send the target personal information to the blockchain, so that the blockchain verifies the target personal information, obtains a verification result, and sends the verification result to the service integration unit; The service integration unit is further configured to, when the verification result is successful, obtain target service information based on the service matching result, and send the target service information to the blockchain, wherein the target service information is generated by the service integration unit and / or the plurality of service providers based on the service matching result; The product unit is further configured to obtain the target service information by accessing the blockchain and send the target service information to the user terminal.

9. A service information generation device based on blockchain, characterized in that: The method comprises a processor, a memory, a communication interface, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the processor, and the programs include instructions for executing part or all of the steps in the method according to any one of claims 1 to 7.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium is used to store a computer program, and the computer program is executed by a processor to implement the method according to any one of claims 1 to 7.

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