Enterprise credit evaluation method and system based on alliance chain, terminal equipment and medium

Abstract

The invention is applied to the technical field of block chains, and provides an alliance chain-based enterprise credit evaluation method and system, terminal equipment and a medium, and the method comprises the steps that a submitting node sends a credit evaluation request to an alliance chain; the credit evaluation request carries credit data and biological information of an enterprise corresponding to the submission node; biological verification information of enterprises corresponding to all nodes is stored on the block of the alliance chain; verifying the biological information of the enterprise corresponding to the submission node by using the biological verification information; if the biological information verification of the enterprise corresponding to the submission node passes, evaluating the enterprise corresponding to the submission node based on credit data of the enterprise corresponding to the submission node to obtain an evaluation result of the enterprise corresponding to the submission node; and packaging the evaluation result of the enterprise corresponding to the submission node and the credit data of the enterprise corresponding to the submission node into a block, and generating a new block at the tail end of the alliance chain. The information leakage can be prevented while the accuracy of the enterprise credit evaluation result is ensured.

Description

Technical Field

[0001] This application belongs to the field of blockchain technology, and in particular relates to a method, system, terminal equipment and medium for enterprise credit evaluation based on consortium blockchain. Background Technology

[0002] Corporate credit rating results reflect a company's ability to make credit commitments. They are composed of multiple factors such as a company's fixed assets, financial statements, and operating efficiency. Corporate credit plays a vital role in a company's financial activities, whether as the basis for evaluating loan credit or as the basis for other companies to reach cooperation agreements.

[0003] Currently, common methods for corporate credit rating involve rating agencies sending investigators to the companies being evaluated to obtain data on the company's operating and financial status, which are necessary for calculating the corporate credit rating. Alternatively, they may evaluate companies that have cooperated with them in the same industry chain. However, these methods are difficult to ensure the accuracy of corporate credit rating results and pose a risk of information leakage. Summary of the Invention

[0004] To overcome the problems existing in related technologies, this application provides a method, system, terminal device and medium for enterprise credit evaluation based on consortium blockchain, which can solve the problem of how to ensure the accuracy of enterprise credit evaluation results while preventing information leakage.

[0005] This application is achieved through the following technical solution:

[0006] Firstly, embodiments of this application provide a method for enterprise credit evaluation based on consortium blockchain, including:

[0007] Obtain the credit evaluation request from the submitting node; the credit evaluation request from the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; the credit evaluation request from the submitting node carries the credit data and biometric information of the enterprise corresponding to the submitting node; the blockchain's blocks store the biometric verification information of all the enterprises corresponding to the nodes.

[0008] The biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all the enterprises corresponding to the nodes stored on the block; if the biometric information of the enterprise corresponding to the submitting node is verified, the enterprise corresponding to the submitting node is evaluated based on the credit data of the enterprise corresponding to the submitting node, and the evaluation result of the enterprise corresponding to the submitting node is obtained.

[0009] The evaluation results and credit data of the enterprise corresponding to the submitting node are packaged into a block, and a new block is generated at the end of the consortium blockchain.

[0010] In one possible implementation of the first aspect, the biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all nodes corresponding to the enterprises stored on the block, including:

[0011] The biometric information of the enterprise corresponding to the submitting node is compared with the biometric verification information of all enterprises corresponding to all nodes stored in the block. If the block contains biometric verification information corresponding to the biometric information of the enterprise corresponding to the submitting node, the verification passes; otherwise, the verification fails.

[0012] In one possible implementation of the first aspect, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes corresponding to the enterprises stored on the block, the enterprise credit evaluation method based on the consortium blockchain further includes:

[0013] If the biometric verification of the enterprise corresponding to the submitting node fails, the reason for the failure will be sent to the submitting node.

[0014] In one possible implementation of the first aspect, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes corresponding to the enterprises stored on the block, the enterprise credit evaluation method based on the consortium blockchain further includes:

[0015] If the number of times the biometric verification of the enterprise corresponding to the submitting node fails exceeds a preset number, the credit evaluation request of the enterprise corresponding to the submitting node will be identified as a consortium application request and sent to the review group in the consortium blockchain; the review group consists of nodes with more than a fixed number of points.

[0016] The consortium application request is used to instruct the review group to verify the credit data of the enterprise corresponding to the submitting node. If the verification is successful, the biometric information of the enterprise corresponding to the submitting node will be packaged into a block and a new block will be generated at the end of the consortium blockchain.

[0017] In one possible implementation of the first aspect, the enterprise credit evaluation method based on consortium blockchain further includes:

[0018] Every preset number of block cycles, the review group is instructed to begin checking the data of the preset number of blocks to confirm whether the data of the preset number of blocks complies with the network rules and standards of the consortium blockchain; the review group consists of nodes that have more than a fixed number of points;

[0019] If data that does not conform to the network rules and standards of the consortium blockchain is found, the block containing the first erroneous data will be marked as an erroneous block within a preset number of blocks, and the recording will start again from the block preceding the erroneous block.

[0020] In one possible implementation of the first aspect, after instructing the audit team to begin checking the data of a preset number of blocks every preset number of block periods, the enterprise credit evaluation method based on the consortium blockchain further includes:

[0021] Every preset number of block cycles, all nodes are instructed to determine whether there are any errors in the preset number of blocks, and the determination results of all nodes are obtained.

[0022] For each node, if the node's judgment result is consistent with the audit team's inspection result, the node will receive a fixed point reward; if the node's judgment result is inconsistent with the audit team's inspection result, and the audit team's inspection result is that there are erroneous blocks, the node will have a fixed point deduction; if the node's judgment result is inconsistent with the audit team's inspection result, and the audit team's inspection result is that there are no erroneous blocks, the node's points will remain unchanged.

[0023] In one possible implementation of the first aspect, the enterprise credit evaluation method based on consortium blockchain further includes:

[0024] The process involves obtaining the credit evaluation data request from the submitting node to the target node; the credit evaluation data request from the submitting node to the target node is sent from the enterprise device corresponding to the submitting node to the consortium blockchain; the credit evaluation data of the target node includes the credit data and evaluation results of the target enterprise; the credit evaluation data request carries the biometric information of the enterprise corresponding to the submitting node that sent the request;

[0025] The biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all the nodes stored on the block.

[0026] If the biometric information of the enterprise corresponding to the submitting node is verified, other nodes will vote to verify the credit evaluation data request of the submitting node to the target node. If the credit evaluation data request vote is verified, the credit data of the target node will be sent to the device of the enterprise corresponding to the submitting node. The enterprises corresponding to the submitting node, the target node and the other nodes are all enterprises in the same industry chain.

[0027] Secondly, embodiments of this application provide a consortium blockchain-based enterprise credit rating system, including:

[0028] The data acquisition module is used to acquire the credit evaluation request of the submitting node; the credit evaluation request of the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; the credit evaluation request of the submitting node carries the credit data and biometric verification information of the enterprise corresponding to the submitting node; the biometric verification information of all the enterprises corresponding to the nodes is stored on the blockchain.

[0029] The credit evaluation module is used to verify the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the enterprises corresponding to the nodes stored on the block. If the biometric verification information of the enterprise corresponding to the submitting node passes the verification, the credit data of the enterprise corresponding to the submitting node is used to evaluate the enterprise corresponding to the submitting node and obtain the evaluation result of the enterprise corresponding to the submitting node.

[0030] The block generation module is used to package the evaluation results and credit data of the enterprise corresponding to the submitting node into a block and generate a new block at the end of the consortium blockchain.

[0031] Thirdly, embodiments of this application provide a terminal device, including a memory and a processor. The memory stores a computer program that can run on the processor. When the processor executes the computer program, it implements the enterprise credit evaluation method based on consortium blockchain as described in any of the first aspects.

[0032] Fourthly, embodiments of this application provide a computer-readable storage medium storing a computer program that, when executed by a processor, implements the enterprise credit evaluation method based on a consortium blockchain as described in any of the first aspects.

[0033] The advantages of the embodiments in this application compared with related technologies are:

[0034] In this embodiment, through consortium blockchain technology, enterprise credit data and biometric verification information are stored and transmitted on the blockchain. All credit evaluation requests, verification processes, evaluation results, and credit data are recorded on the consortium blockchain, making the entire evaluation process highly transparent and traceable. Participants can verify and view this information, enhancing the credibility of the evaluation and effectively preventing information leakage due to unauthorized access or tampering. Furthermore, the biometric verification step ensures that only genuine and legitimate enterprises can conduct credit evaluations, avoiding potential fraud and thus improving the accuracy of credit evaluations. The trust mechanism based on blockchain technology helps strengthen cooperation and trust among enterprises, promoting the healthy development of the entire business ecosystem.

[0035] It is understood that the beneficial effects of the second to fourth aspects mentioned above can be found in the relevant descriptions in the first aspect mentioned above, and will not be repeated here.

[0036] It should be understood that the above general description and the following detailed description are exemplary and explanatory only, and are not intended to limit this specification. Attached Figure Description

[0037] To more clearly illustrate the technical solutions in the embodiments of this application, the drawings used in the description of the embodiments or related technologies will be briefly introduced below. Obviously, the drawings described below are only some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0038] Figure 1 This is a flowchart illustrating a corporate credit evaluation method based on a consortium blockchain provided in an embodiment of this application;

[0039] Figure 2 This application provides a schematic diagram of the credit evaluation process for other enterprises in one embodiment;

[0040] Figure 3 This application provides a schematic diagram of the structure of a consortium blockchain-based enterprise credit rating system according to an embodiment;

[0041] Figure 4 This is a schematic diagram of the structure of a terminal device provided in an embodiment of this application. Detailed Implementation

[0042] In the following description, specific details such as particular system architectures and techniques are set forth for illustrative purposes and not for limitation, in order to provide a thorough understanding of the embodiments of this application. However, those skilled in the art will understand that this application may also be implemented in other embodiments without these specific details. In other instances, detailed descriptions of well-known systems, apparatuses, circuits, and methods have been omitted so as not to obscure the description of this application with unnecessary detail.

[0043] It should be understood that, when used in this application specification and the appended claims, the term "comprising" indicates the presence of the described features, integrals, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, integrals, steps, operations, elements, components and / or a collection thereof.

[0044] It should also be understood that the term “and / or” as used in this application specification and the appended claims means any combination of one or more of the associated listed items and all possible combinations, and includes such combinations.

[0045] As used in this application specification and the appended claims, the term "if" may be interpreted, depending on the context, as "when," "once," "in response to determination," or "in response to detection." Similarly, the phrase "if determined" or "if detected [the described condition or event]" may be interpreted, depending on the context, as meaning "once determined," "in response to determination," "once detected [the described condition or event]," or "in response to detection [the described condition or event]."

[0046] Furthermore, in the description of this application and the appended claims, the terms "first," "second," "third," etc., are used only to distinguish descriptions and should not be construed as indicating or implying relative importance.

[0047] References to "one embodiment" or "some embodiments" as described in this specification mean that one or more embodiments of this application include a specific feature, structure, or characteristic described in connection with that embodiment. Therefore, the phrases "in one embodiment," "in some embodiments," "in other embodiments," "in still other embodiments," etc., appearing in different parts of this specification do not necessarily refer to the same embodiment, but rather mean "one or more, but not all, embodiments," unless otherwise specifically emphasized. The terms "comprising," "including," "having," and variations thereof mean "including but not limited to," unless otherwise specifically emphasized.

[0048] To enable those skilled in the art to better understand the present invention, the technical solutions in the embodiments of this application will be clearly and completely described below with reference to the accompanying drawings and specific embodiments. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort are within the scope of protection of the present invention.

[0049] Figure 1 This is a schematic flowchart illustrating a consortium blockchain-based enterprise credit evaluation method provided in one embodiment of this application, with reference to... Figure 1 The detailed description of this enterprise credit evaluation method based on consortium blockchain is as follows:

[0050] Step 101: Obtain the credit evaluation request from the submitting node; the credit evaluation request from the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; the credit evaluation request from the submitting node carries the credit data and biometric information of the enterprise corresponding to the submitting node; the biometric verification information of all the enterprises corresponding to the nodes is stored on the blockchain.

[0051] For example, a company's credit data may include, but is not limited to, basic information, operational data, credit records, legal compliance information, market reputation information, and other relevant information. Basic information includes company registration information, company size information, and personnel information, such as company name, registration number, registered address, business scope, number of employees, annual turnover, total assets, and legal representative information: name, ID number, and contact information. Operational data includes financial statements, tax records, and order fulfillment status, such as balance sheets, profit and loss statements, cash flow statements, tax payments, tax credit rating, order volume, order completion rate, and return rate. Credit records include loan records, guarantee records, and overdue records, such as loan amount, loan term, repayment status, guarantees provided to others or institutions, and whether there are overdue loans or debts. Legal compliance information includes litigation records, administrative penalty records, and intellectual property records, such as whether legal proceedings have occurred and the results, whether administrative penalties have been imposed, the type and severity of the penalties, and patent applications and trademark registrations. Market reputation information includes customer reviews and industry rankings. Other relevant information includes details about partners such as environmental protection investments and participation in public welfare activities.

[0052] In practical applications, the specific content of credit data needs to be determined based on the specific circumstances, and the accuracy and legality of the data must be ensured. Utilizing comprehensive credit data allows for multifaceted evaluation of corresponding enterprises, resulting in a holistic assessment.

[0053] Blockchains can generally be divided into three main categories: public blockchains, private blockchains, and consortium blockchains. Consortium blockchains do not have a central authority; the consistency of information among all nodes is ensured through the consortium blockchain's consensus mechanism.

[0054] In consortium blockchains, each node typically possesses trusted identity management capabilities, credit data storage capabilities, authorization and access capabilities, data privacy computing capabilities, and trusted data transfer capabilities. This enables data providers and data requesters to utilize their privately deployed consortium blockchain nodes to publish or obtain trusted and secure credit data within the consortium blockchain network.

[0055] In a consortium blockchain network, nodes can communicate with each other through different networks, such as wireless or wired networks. Wireless networks can include Wi-Fi (WLAN), LAN, cellular networks, 2G, 3G, 4G, and 5G networks. When the current node obtains the evaluation result corresponding to the credit information in a credit evaluation request, it reaches a consensus on the credit information based on the evaluation result with other nodes in the consortium blockchain network (excluding the current node). The current node then stores the evaluation result in its corresponding target block.

[0056] The aforementioned credit data can be uploaded to the consortium blockchain by enterprises or retrieved from it. Each block in the consortium blockchain can be understood as a unit for storing data. All data involved in the transaction must meet the data format and storage requirements agreed upon by both parties to the transaction and the data manager. Existing metadata management methods can be used to establish a corresponding data dictionary. More extensive agreements on data cleansing and privacy protection can also be proposed. The ledger function verifies whether the current node meets the pre-agreed requirements. Only after verification can the corresponding block be established and the corresponding data stored. For example, in practice, credit data is obtained by cleansing the collected data and converting each piece of data into a unified credit data format. After all the data involved in the transaction meets the data format and storage requirements agreed upon by both parties to the transaction and the data manager, it is uploaded to the consortium blockchain for storage. Each upload generates a new block with a timestamp at the end of the consortium blockchain.

[0057] For example, when a submitting node issues a credit rating request, it needs to submit the corresponding company's biometric information. This biometric information can be a unique digital sequence corresponding to biometric information such as fingerprints, facial features, or voice. The biometric verification information is a digital template of the biometric information of all nodes corresponding to the company on the block. This biometric verification information is used for initial verification of the company's biometric information in the following steps.

[0058] Step 102: Verify the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the enterprises corresponding to the nodes stored on the block; if the biometric information of the enterprise corresponding to the submitting node passes the verification, evaluate the enterprise corresponding to the submitting node based on the credit data of the enterprise corresponding to the submitting node, and obtain the evaluation result of the enterprise corresponding to the submitting node.

[0059] For example, the biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all nodes stored on the block, including:

[0060] The biometric information of the enterprise corresponding to the submitting node is compared with the biometric verification information of all the enterprises corresponding to the nodes stored in the block. If the biometric verification information corresponding to the biometric information of the enterprise corresponding to the submitting node is stored in the block, that is, the unique digital sequence information corresponding to the biometric information exists in the digital template of the enterprise's biometric information, then the verification passes; otherwise, the verification fails.

[0061] In general, submitting nodes can only submit the biological information of their own corresponding enterprises in order to obtain the evaluation results of their own enterprises. This allows enterprises to understand the level they can achieve within the alliance or in the industry chain, which is conducive to their own rational planning of enterprise development.

[0062] For example, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block, the method further includes:

[0063] If the biometric verification of the enterprise corresponding to the submitting node fails, the reason for the failure will be sent to the submitting node.

[0064] One possibility is that the submitted biometric information content or parsing is incorrect, causing the biometric information verification of the enterprise corresponding to the submitting node to fail. The consortium blockchain will send the reason for the failure to verify the biometric information to the submitting node so that the submitting node can modify and resubmit it.

[0065] For example, to prevent the submission of incorrect biometric information due to random, malicious, or other unexpected circumstances, thus consuming block resources, the method further includes, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block, the method also includes:

[0066] If the number of times the biometric verification of the enterprise corresponding to the submitting node fails exceeds a preset number, the credit evaluation request of the enterprise corresponding to the submitting node will be identified as a consortium application request and sent to the review group in the consortium blockchain. The review group consists of nodes with more than a fixed number of points. The consortium application request instructs the review group to verify the credit data of the enterprise corresponding to the submitting node. If the verification is successful, the biometric information of the enterprise corresponding to the submitting node will be packaged into a block, generating a new block at the end of the consortium blockchain. At this time, in the new block, the biometric information of the enterprise corresponding to the submitting node that submitted the consortium application request will be stored in the digital template of biometric information as biometric verification information. The next time this submitting node submits a credit evaluation request, it will pass the biometric verification and directly obtain the evaluation result.

[0067] For example, if the preset number of attempts is set to 2, and the number of times the biometric verification of the enterprise corresponding to the submitting node fails is 3, then the credit evaluation request of the enterprise corresponding to the submitting node will be identified as an alliance application request. Of course, after instructing the review team to verify the credit data of the enterprise corresponding to the submitting node, if the verification fails, the alliance application request of that submitting node will be rejected, and any requests submitted by that submitting node will be rejected for a preset time. For example, the preset time could be set to 1 day or 1 week.

[0068] For example, the verification process of the credit data of the enterprise corresponding to the submitting node is implemented through voting. If more than 50% of the voting members submit verifications that pass, the submission node's alliance application request is approved; otherwise, it fails. Using a Proof of Stake (PoS) consensus mechanism, each node has the opportunity to be selected by the system to produce new blocks. Those with higher scores have a higher probability of receiving rewards, thus ensuring that members of the verification group contribute to the network's interests and are incentivized to ensure the security of data transactions. This ensures that the evaluation process is not controlled by a single entity, improving the system's fairness and credibility. The number of members in the verification group can be between 3 and 1024.

[0069] In this process, the submitting node can also directly obtain the alliance application request and send it to the review group in the alliance chain. The review group will then verify the credit data of the enterprise corresponding to the submitting node.

[0070] In this embodiment, the submitted biometric information is verified using the biometric verification information of all nodes corresponding to the enterprises stored on the blockchain, ensuring the authenticity and accuracy of the information. This effectively prevents information tampering and forgery, thereby improving the accuracy and reliability of credit evaluation. Furthermore, by restricting and providing feedback on cases where biometric verification fails, invalid and malicious submissions are avoided, optimizing the utilization of blockchain resources. Additionally, by introducing a consortium application request mechanism, nodes that fail biometric verification have the opportunity to be verified by the review group and become part of the consortium blockchain, enhancing the system's flexibility and scalability, and enabling more enterprises to participate in the credit evaluation system.

[0071] Step 103: Package the evaluation results of the enterprise corresponding to the submitting node and the credit data of the enterprise corresponding to the submitting node into a block, and generate a new block at the end of the consortium blockchain.

[0072] For example, the evaluation results of the enterprise corresponding to the submitting node and the credit data of the enterprise corresponding to the submitting node are packaged into a block and uploaded to the blockchain, and the evaluation is recorded on the blockchain.

[0073] These credit data and evaluation results require the consent of a majority of nodes to be changed, and each block header contains the timestamp of this block, the hash value of the previous block information and the hash value of this block information, thereby realizing mutual verification between blocks and forming an immutable consortium blockchain.

[0074] For example, in practice, as companies develop, their credit data is constantly updated. Therefore, a company can update its credit rating by submitting a new credit rating request with the updated data through a submission node. Then, other nodes can obtain the latest rating results for each company when querying their own ratings.

[0075] In one embodiment, to construct reward and penalty mechanisms in a consortium blockchain, the enterprise credit evaluation method based on the consortium blockchain further includes:

[0076] Every preset number of m block cycles, the review group is instructed to start checking the data of the preset number of m blocks to confirm whether there are any errors in the data of the preset number of m blocks. If the data does not conform to the network rules and standards of the consortium blockchain, the data of the block is considered to be erroneous. The review group consists of nodes that have more than a fixed number of points.

[0077] If erroneous data is found, the block containing the first erroneous data will be marked as an erroneous block within a preset number of blocks (m blocks), and recording will resume from the block preceding the erroneous block. The preset number m can be set to 100.

[0078] For example, after instructing the review group to begin checking the data of a preset number of blocks every preset number of m block periods, the method further includes:

[0079] Every preset number of m block cycles, all nodes are instructed to determine whether there are errors in a preset number of m blocks, and the results of all nodes' determinations are obtained. For each node, if the node's determination result is consistent with the audit group's inspection result, the node receives a fixed point reward. If the node's determination result is inconsistent with the audit group's inspection result, and the audit group's inspection result indicates that there are erroneous blocks, the node receives a fixed point deduction. If the node's determination result is inconsistent with the audit group's inspection result, and the audit group's inspection result indicates that there are no erroneous blocks, the node's points remain unchanged.

[0080] If a block is error-free, and a node's judgment that a block is erroneous has no impact on the normal operation of the block, then nodes that make incorrect judgments are neither penalized nor rewarded, while nodes that make correct judgments receive a fixed point reward. If a block contains errors, and a node's judgment that a block is error-free affects the normal operation of the block, then nodes that make correct judgments receive a point reward, while nodes that make incorrect judgments are penalized by deducting a fixed number of points. For example, every 100-block cycle, all nodes are instructed to check whether there are errors in the previous 100(n-2)+1 to 100(n-1) blocks starting from the current block, where n>=2, and m and n are both integers.

[0081] For example, if data that does not conform to the network rules and standards of the consortium blockchain is found, the block containing the first erroneous data among a preset number of m blocks is marked as an erroneous block. The data of the erroneous block and the data after the erroneous block are used as erroneous fork information. The erroneous block and the erroneous fork information are synchronized to each node, and recording starts again from the block before the erroneous block.

[0082] For example, when a company wants to know the credit ratings of other companies in an alliance, see [link to relevant documentation]. Figure 2 Other enterprise credit evaluation methods based on consortium blockchains include:

[0083] Step 201: Obtain the credit evaluation data request from the submitting node to the target node; the credit evaluation data request from the submitting node to the target node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; the credit evaluation data of the target node includes the credit data and evaluation results of the target enterprise; the credit evaluation data request carries the biometric information of the enterprise corresponding to the submitting node that sent the request.

[0084] Enterprises submit requests to obtain credit rating data of the target node corresponding to the target enterprise through the submission node. Since the credit rating data of the target node corresponding to the target enterprise is stored on the blockchain, the submission node first needs to verify it through biometrics.

[0085] Step 202: Verify the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the nodes stored on the block.

[0086] The biometric information of the enterprise corresponding to the submitting node is compared with the biometric verification information of all the enterprises corresponding to the nodes stored in the block. If the biometric verification information corresponding to the biometric information of the enterprise corresponding to the submitting node is stored in the block, that is, the unique digital sequence information corresponding to the biometric information exists in the digital template of the enterprise's biometric information, then the verification passes; otherwise, the verification fails.

[0087] Step 203: If the biometric information verification of the enterprise corresponding to the submitting node is successful, other nodes will vote to verify the credit evaluation data request of the submitting node to the target node. If the credit evaluation data request vote verification is successful, the credit data of the target node will be sent to the device of the enterprise corresponding to the submitting node. The enterprises corresponding to the submitting node, the target node and other nodes are all enterprises in the same industry chain.

[0088] For example, after a company's biometric information passes the initial verification, it needs to be verified again by node voting. If the percentage of voting members who submit verifications that pass is greater than 50%, the credit rating data request will pass verification, and the company corresponding to the submitting node can obtain the rating results and credit data of the company corresponding to the target node; otherwise, it will fail, and the company corresponding to the submitting node will not be able to obtain the rating results and credit data of the company corresponding to the target node.

[0089] In this embodiment, the node voting verification process involves the participation of multiple verification members. This multi-party participation mechanism helps reduce the bias or error that may arise from a single verification. The credit evaluation data request is only considered approved when more than 50% of the voting members pass the verification, ensuring the objectivity and fairness of the credit evaluation. Through initial biometric verification and secondary verification via node voting, the authenticity and accuracy of enterprise information are further ensured, thereby avoiding potential risks of information leakage or misuse. This dual protection significantly improves data security and protects the privacy of both enterprises and users.

[0090] The enterprise credit evaluation method based on consortium blockchains described in the above embodiments essentially utilizes multiple nodes to collaboratively record data, thereby preventing data tampering caused by a single node cheating. Simultaneously, by employing consortium blockchain technology, enterprise credit data and biometric verification information are stored and transmitted on the blockchain. All credit evaluation requests, verification processes, evaluation results, and credit data are recorded on the consortium blockchain, making the entire evaluation process highly transparent and traceable. Participants can verify and view this information, enhancing the credibility of the evaluation and effectively preventing information leakage due to unauthorized access or tampering. Furthermore, after the initial verification of an enterprise's biometric information, it needs to undergo a second verification through node voting. This secondary verification method can filter out truly valuable and trustworthy enterprise information, enabling resources to be allocated more accurately to enterprises with good credit and authentic information. This helps improve the overall market efficiency and promotes the rational use of resources.

[0091] It should be understood that the sequence number of each step does not imply the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiments of this application.

[0092] Corresponding to the enterprise credit evaluation method based on consortium blockchain in the above embodiment, Figure 3 The diagram shows a structural block diagram of a consortium blockchain-based enterprise credit rating system provided in an embodiment of this application. For ease of explanation, only the parts related to the embodiment of this application are shown.

[0093] See Figure 3The enterprise credit rating system based on consortium blockchain in this application embodiment may include a data acquisition module 301, a credit rating module 302, and a block generation module 303.

[0094] The data acquisition module 301 is used to acquire the credit evaluation request of the submitting node. The credit evaluation request of the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node. The credit evaluation request of the submitting node carries the credit data and biometric verification information of the enterprise corresponding to the submitting node. The biometric verification information of the enterprises corresponding to all nodes is stored on the blockchain.

[0095] The credit evaluation module 302 is used to verify the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the enterprises corresponding to the nodes stored on the block; if the biometric verification information of the enterprise corresponding to the submitting node passes the verification, the enterprise corresponding to the submitting node is evaluated based on the credit data of the enterprise corresponding to the submitting node, and the evaluation result of the enterprise corresponding to the submitting node is obtained.

[0096] The block generation module 303 is used to package the evaluation results and credit data of the enterprise corresponding to the submitting node into a block and generate a new block at the end of the consortium blockchain.

[0097] In one possible implementation, the credit evaluation module 302 verifies the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block, including:

[0098] The biometric information of the enterprise corresponding to the submitting node is compared with the biometric verification information of all enterprises corresponding to all nodes stored in the block. If the block contains biometric verification information corresponding to the biometric information of the enterprise corresponding to the submitting node, the verification passes; otherwise, the verification fails.

[0099] In one possible implementation, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block, the method further includes:

[0100] If the biometric verification of the enterprise corresponding to the submitting node fails, the reason for the failure will be sent to the submitting node.

[0101] In one possible implementation of the first aspect, after verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block, the credit evaluation module 302 is further configured to:

[0102] If the number of times the biometric verification of the enterprise corresponding to the submitting node fails exceeds a preset number, the credit evaluation request of the enterprise corresponding to the submitting node will be identified as a consortium application request and sent to the review group in the consortium blockchain; the review group consists of nodes with more than a fixed number of points.

[0103] The consortium application request is used to instruct the review group to verify the credit data of the enterprise corresponding to the submitting node. If the verification is successful, the biometric information of the enterprise corresponding to the submitting node will be packaged into a block and a new block will be generated at the end of the consortium blockchain.

[0104] In one possible implementation, the consortium blockchain-based enterprise credit rating system further includes an audit module; the audit module is specifically used for:

[0105] Every preset number of block cycles, the review group is instructed to begin checking the data of the preset number of blocks to confirm whether the data of the preset number of blocks complies with the network rules and standards of the consortium blockchain; the review group consists of nodes that have more than a fixed number of points;

[0106] If data that does not conform to the network rules and standards of the consortium blockchain is found, the block containing the first erroneous data will be marked as an erroneous block within a preset number of blocks, and the recording will start again from the block preceding the erroneous block.

[0107] In one possible implementation, after instructing the audit team to begin checking the data of a preset number of blocks every preset number of block periods, the audit module is further configured to:

[0108] Every preset number of block cycles, all nodes are instructed to check for errors in a preset number of blocks. If no errors are found, all nodes that make correct checks receive a fixed point reward; if errors are found, all nodes that make correct checks receive a point reward, and nodes that make incorrect checks have a fixed point deducted as a penalty.

[0109] In one possible implementation, the data acquisition module 301 is further configured to:

[0110] The process involves obtaining the credit evaluation data request from the submitting node to the target node; the credit evaluation data request from the submitting node to the target node is sent from the enterprise device corresponding to the submitting node to the consortium blockchain; the credit evaluation data of the target node includes the credit data and evaluation results of the target enterprise; the credit evaluation data request carries the biometric information of the enterprise corresponding to the submitting node that sent the request;

[0111] The biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all the nodes stored on the block.

[0112] If the biometric information of the enterprise corresponding to the submitting node is verified, other nodes will vote to verify the credit evaluation data request of the submitting node to the target node. If the credit evaluation data request vote is verified, the credit data of the target node will be sent to the device of the enterprise corresponding to the submitting node. The enterprises corresponding to the submitting node, the target node and the other nodes are all enterprises in the same industry chain.

[0113] It should be noted that the information interaction and execution process between the above systems are based on the same concept as the method embodiments of this application. For details on their specific functions and technical effects, please refer to the method embodiments section, which will not be repeated here.

[0114] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the above-described division of functional units and modules is merely an example. In practical applications, the above functions can be assigned to different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above. The functional units and modules in the embodiments can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit. Furthermore, the specific names of the functional units and modules are only for easy differentiation and are not intended to limit the scope of protection of this application. The specific working process of the units and modules in the above system can be referred to the corresponding process in the foregoing method embodiments, and will not be repeated here.

[0115] This application also provides a terminal device, see [link to relevant documentation] Figure 4 The terminal device 400 may include at least one processor 410 and a memory 420, wherein the memory 420 stores a computer program that can run on the at least one processor 410, and the processor 410 executes the computer program to implement the steps in any of the above method embodiments, for example... Figure 1 Steps 101 to 103 in the illustrated embodiment. Alternatively, when the processor 410 executes the computer program, it implements the functions of each module / unit in the above system embodiments, for example... Figure 3 The functions of modules 301 to 303 are shown.

[0116] For example, a computer program may be divided into one or more modules / units, one or more of which are stored in memory 420 and executed by processor 410 to complete this application. One or more modules / units may be a series of computer program segments capable of performing a specific function, which describe the execution process of the computer program in terminal device 400.

[0117] Those skilled in the art will understand that Figure 4 This is merely an example of a terminal device and does not constitute a limitation on the terminal device. It may include more or fewer components than shown, or combine certain components, or different components, such as input / output devices, network access devices, buses, etc.

[0118] The processor 410 can be a Central Processing Unit (CPU), or other general-purpose processors, digital signal processors (DSPs), application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. The general-purpose processor can be a microprocessor or any conventional processor.

[0119] The memory 420 can be an internal storage unit of the terminal device or an external storage device, such as a plug-in hard drive, a smart media card (SMC), a secure digital card (SD), or a flash card. The memory 420 is used to store computer programs and other programs and data required by the terminal device. The memory 420 can also be used to temporarily store data that has been output or will be output.

[0120] The bus can be an Industry Standard Architecture (ISA) bus, a Peripheral Component Interconnect (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. Buses can be categorized as address buses, data buses, control buses, etc. For ease of illustration, the buses shown in the accompanying drawings are not limited to a single bus or a single type of bus.

[0121] The enterprise credit evaluation method based on consortium blockchain provided in this application embodiment can be applied to terminal devices such as computers, tablets, laptops, netbooks, and personal digital assistants (PDAs). This application embodiment does not impose any restrictions on the specific type of terminal device.

[0122] This application also provides a computer-readable storage medium storing a computer program. When the computer program is executed by a processor, it implements the steps in the various embodiments of the above-described enterprise credit evaluation method based on consortium blockchain.

[0123] This application provides a computer program product that, when run on a mobile terminal, enables the mobile terminal to implement the steps described in the various embodiments of the enterprise credit evaluation method based on consortium blockchain.

[0124] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, all or part of the processes in the methods of the above embodiments of this application can be implemented by a computer program instructing related hardware. The computer program can be stored in a computer-readable storage medium, and when executed by a processor, it can implement the steps of the various method embodiments described above. The computer program includes computer program code, which can be in the form of source code, object code, executable files, or certain intermediate forms. The computer-readable medium can include at least: any entity or device capable of carrying the computer program code to a photographing device / terminal device, a recording medium, a computer memory, a read-only memory (ROM), a random access memory (RAM), an electrical carrier signal, a telecommunication signal, and a software distribution medium. Examples include USB flash drives, portable hard drives, magnetic disks, or optical disks.

[0125] In the above embodiments, the descriptions of each embodiment have different focuses. For parts that are not described in detail or recorded in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0126] Those skilled in the art will recognize that the units and algorithm steps of the various examples described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, or a combination of computer software and electronic hardware. Whether these functions are implemented in hardware or software depends on the specific application and design constraints of the technical solution. Those skilled in the art can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this application.

[0127] In the embodiments provided in this application, it should be understood that the disclosed apparatus / network devices and methods can be implemented in other ways. For example, the apparatus / network device embodiments described above are merely illustrative. For instance, the division of modules or units is only a logical functional division, and in actual implementation, there may be other division methods. For example, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the coupling or direct coupling or communication connection shown or discussed may be through some interfaces; the indirect coupling or communication connection between apparatuses or units may be electrical, mechanical, or other forms.

[0128] The units described as separate components may or may not be physically separate. 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 the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0129] The above embodiments are only used to illustrate the technical solutions of this application, and are not intended to limit them. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art should understand that modifications can still be made to the technical solutions described in the foregoing embodiments, or equivalent substitutions can be made to some of the technical features. Such modifications or substitutions do not cause the essence of the corresponding technical solutions to deviate from the spirit and scope of the technical solutions of the embodiments of this application, and should all be included within the protection scope of this application.

Claims

1. A corporate credit evaluation method based on consortium blockchain, characterized in that, include: Obtain the credit rating request from the submitting node; The credit evaluation request of the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; The credit evaluation request of the submitting node carries the credit data and biometric information of the enterprise corresponding to the submitting node; the blockchain stores the biometric verification information of the enterprises corresponding to all nodes. The biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all the nodes stored on the block. If the biometric verification of the enterprise corresponding to the submission node is successful, the enterprise corresponding to the submission node will be evaluated based on its credit data to obtain the evaluation result of the enterprise corresponding to the submission node. The evaluation results and credit data of the enterprise corresponding to the submission node are packaged into a block, and a new block is generated at the end of the consortium blockchain.

2. The enterprise credit evaluation method based on consortium blockchain as described in claim 1, characterized in that, The step of verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all nodes stored on the block includes: The biometric information of the enterprise corresponding to the submitting node is compared with the biometric verification information of all enterprises corresponding to all nodes stored in the block; if the block contains biometric verification information corresponding to the biometric information of the enterprise corresponding to the submitting node, the verification passes; otherwise, the verification fails.

3. The enterprise credit evaluation method based on consortium blockchain as described in claim 1, characterized in that, After verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the enterprises corresponding to the nodes stored on the blockchain, the enterprise credit evaluation method based on the consortium blockchain further includes: If the biometric verification of the enterprise corresponding to the submission node fails, the reason for the failure of the biometric verification will be sent to the submission node.

4. The enterprise credit evaluation method based on consortium blockchain as described in claim 1, characterized in that, After verifying the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the enterprises corresponding to the nodes stored on the blockchain, the enterprise credit evaluation method based on the consortium blockchain further includes: If the number of times the biometric verification of the enterprise corresponding to the submitting node fails exceeds a preset number, the credit evaluation request of the enterprise corresponding to the submitting node will be identified as a consortium application request, and the consortium application request will be sent to the review group in the consortium blockchain; the review group consists of nodes with more than a fixed number of points. The alliance application request is used to instruct the review group to verify the credit data of the enterprise corresponding to the submitting node. If the verification is successful, the biometric information of the enterprise corresponding to the submitting node is packaged into a block and a new block is generated at the end of the alliance chain.

5. The enterprise credit evaluation method based on consortium blockchain as described in claim 1, characterized in that, The enterprise credit evaluation method based on consortium blockchain also includes: Every preset number of block cycles, the review group is instructed to begin checking the data of the preset number of blocks to confirm whether there are any errors in the data of the preset number of blocks; the review group consists of nodes that have more than a fixed number of points; If erroneous data is found, the block containing the first erroneous data within a preset number of blocks will be marked as an erroneous block, and recording will begin again from the block preceding the erroneous block.

6. The enterprise credit evaluation method based on consortium blockchain as described in claim 5, characterized in that, After instructing the review team to begin checking the data of a preset number of blocks every preset number of block periods, the enterprise credit evaluation method based on consortium blockchain further includes: Every preset number of block cycles, all nodes are instructed to determine whether there are any errors in the preset number of blocks, and the determination results of all nodes are obtained. For each node, if the node's judgment result is consistent with the audit group's inspection result, the node will receive a fixed point reward; if the node's judgment result is inconsistent with the audit group's inspection result, and the audit group's inspection result indicates the presence of erroneous blocks, the node will have a fixed point deduction; if the node's judgment result is inconsistent with the audit group's inspection result, and the audit group's inspection result indicates the absence of erroneous blocks, the node's points will remain unchanged.

7. The enterprise credit evaluation method based on consortium blockchain as described in claim 1, characterized in that, The enterprise credit evaluation method based on consortium blockchain also includes: The process involves obtaining a credit evaluation data request from the submitting node to the target node; this request is sent from the enterprise device corresponding to the submitting node to the consortium blockchain; the target node's credit evaluation data includes the target enterprise's credit data and evaluation results; and the credit evaluation data request carries the biometric information of the enterprise corresponding to the submitting node that sent the request. The biometric information of the enterprise corresponding to the submitting node is verified using the biometric verification information of all the nodes stored on the block. If the biometric information verification of the enterprise corresponding to the submitting node is successful, other nodes will vote to verify the credit evaluation data request of the submitting node to the target node. If the credit evaluation data request vote verification is successful, the credit data of the target node will be sent to the device of the enterprise corresponding to the submitting node. The enterprises corresponding to the submitting node, the target node and the other nodes are all enterprises in the same industry chain.

8. A corporate credit rating system based on a consortium blockchain, characterized in that, include: The data acquisition module is used to acquire credit rating requests from submitting nodes; The credit evaluation request of the submitting node is sent to the consortium blockchain by the enterprise device corresponding to the submitting node; The credit evaluation request of the submitting node carries the credit data and biometric verification information of the enterprise corresponding to the submitting node; the blockchain stores the biometric verification information of all the enterprises corresponding to the nodes. The credit evaluation module is used to verify the biometric information of the enterprise corresponding to the submitting node using the biometric verification information of all the nodes stored on the block. If the biometric verification information of the enterprise corresponding to the submission node is verified, the enterprise corresponding to the submission node is evaluated based on the credit data of the enterprise corresponding to the submission node, and the evaluation result of the enterprise corresponding to the submission node is obtained. The block generation module is used to package the evaluation results of the enterprise corresponding to the submitting node and the credit data of the enterprise corresponding to the submitting node into a block, and generate a new block at the end of the consortium blockchain.

9. A terminal device, comprising a memory and a processor, wherein the memory stores a computer program executable on the processor, characterized in that, When the processor executes the computer program, it implements the enterprise credit evaluation method based on consortium blockchain as described in any one of claims 1 to 7.

10. A computer-readable storage medium storing a computer program, characterized in that, When the computer program is executed by the processor, it implements the enterprise credit evaluation method based on any one of claims 1 to 7 above.

Images