Credit evaluation method and system, and storage medium

Abstract

The invention provides a credit evaluation method and system, and a storage medium, and relates to the technical field of internet finance. The first credit score of the to-be-evaluated block chain address is determined according to the payment file, the transaction record and the transaction opponent information. According to the invention, credit evaluation can be carried out on a specific block chain address, and the consumption experience of a user on a directly issued digital file can be improved.

Description

Technical Field

[0001] This invention relates to the field of internet finance technology, and in particular to a method and system for credit assessment. Background Technology

[0002] In existing technologies, data files can be issued through blockchain payment files, which facilitates peer-to-peer and peer-to-multipoint data file issuance. However, for privacy protection purposes, the two parties to the transaction may be completely unaware of each other, and consumers may be deceived or defrauded, which is not conducive to the completion of the transaction. Summary of the Invention

[0003] The inventors discovered that when issuing data files via blockchain payment documents using existing technologies, disputes easily arise between the transacting parties, and these disputes cannot be easily resolved. There is an urgent need to introduce a credit rating mechanism so that sellers' credit ratings can be updated based on buyers' reviews. This would improve consumers' ability to predict whether the data files provided by sellers meet their needs, and allow them to voice their demands through appropriate channels in the event of disputes.

[0004] In order to overcome the shortcomings of existing technologies, such as the inability to predict the creditworthiness of issuers and the inability to complain about the quality of payment documents after purchase, and to improve the user's consumption experience, this invention provides a credit assessment method and system to solve the problems mentioned above.

[0005] To achieve the above objectives, the present invention provides the following technical solution: a credit assessment method, the method comprising: Obtain payment documents issued by the blockchain address to be evaluated, as well as transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment documents; Obtain the counterparty information associated with the transaction record; The first credit score of the blockchain address to be evaluated is determined based on the payment documents, the transaction records, and the counterparty information.

[0006] Furthermore, the method further includes, prior to: Receive an evaluation request, the evaluation request including: the blockchain address to be evaluated, the payment document, and the counterparty information, the counterparty information including: evaluation content, and an evaluation signature message based on the counterparty blockchain address for the evaluation content feature message and the payment document feature message; The evaluation request is verified based on the evaluation signature message. If the evaluation request fails verification, the process exits.

[0007] Furthermore, the evaluation content feature message is the result of calculating the evaluation content using a one-way function, which includes: MD5, SHA-224, SHA-256, SHA-384, SHA-512, SHA-512 / 224, SHA-512 / 256, SHA3-224, SHA3-256, SHA3-384, and SHA3-512.

[0008] Furthermore, the payment document feature message is the result of calculating the payment document using a one-way function.

[0009] Furthermore, the method also includes: Send an evaluation response, the evaluation response including: the first credit score of the blockchain address to be evaluated.

[0010] Furthermore, the method also includes: Calculate or update the second credit score of the blockchain address to be evaluated based on the first credit score of the blockchain address to be evaluated; Send an evaluation response, the evaluation response including: the second credit score of the blockchain address to be evaluated.

[0011] Furthermore, the counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document.

[0012] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: Verify the validity of the payment document; The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document. Verify the evaluation content based on the evaluation signature message; If the payment document is valid and the evaluation content is verified, the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information.

[0013] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: Verify the validity of the payment document; The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document. Verify the evaluation content based on the evaluation signature message; If the evaluation content passes verification, the defense information of the blockchain address to be evaluated based on the counterparty information is obtained. The defense information includes: the defense content and the defense signature message of the blockchain address to be evaluated against the feature message of the evaluation content, the feature message of the payment document, and the feature message of the defense content. The defense result of the blockchain address to be evaluated is determined based on the payment documents, the counterparty information, and the defense information. If the payment document is valid and the evaluation request is verified, and if the defense result is unsuccessful, the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information. If the defense is successful, a third credit score for the counterparty's blockchain address is determined based on the payment documents, the transaction records, and the counterparty information.

[0014] Furthermore, verifying the validity of the payment document includes: The payment document is valid if the issuer's blockchain address matches the blockchain address to be evaluated; and, The payment document is valid if the sum of the transaction quantities of the transaction records paid from the counterparty's blockchain address satisfies the share payment price of the payment document; and, The payment document is valid if the signature message of the payment document is valid.

[0015] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The counterparty information includes the payment document and payment document 2, and the payment document data content of the payment document is the same as that of payment document 2; If the issuer blockchain address of the payment document is inconsistent with the issuer blockchain address of payment document 2, then the piracy score of the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information.

[0016] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment document includes: payment document data content and payment document tags; the payment document data content is an image file, and the payment document tags include: product specifications; The counterparty information includes: the payment document and the image file, and the image file and the payment document data content are verified to be consistent; If the product specifications do not match the image specifications in the image file, the first credit score of the blockchain address to be evaluated is determined to be a negative credit score based on the payment document, the transaction record, and the counterparty information.

[0017] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment file includes: payment file data content and payment file tags; the payment file data content is an MP3 file, and the payment file tags include: product artist; The counterparty information includes: the payment file and the mp3 file, and the data content of the mp3 file and the payment file are verified to be consistent. If the singer of the product is different from the singer in the mp3 file, the first credit score of the blockchain address to be evaluated is determined to be negative based on the payment document, the transaction record, and the counterparty information.

[0018] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment file includes: payment file data content and payment file tags; the payment file data content is a video file, and the payment file tags include: product sales type and product duration. The counterparty information includes: the payment document and the video file, and the video file and the payment document data content are verified to be consistent; If the product sales type is the full version and the duration of the film / TV file is inconsistent with the product duration, the first credit score of the blockchain address to be evaluated is determined to be a negative credit score based on the payment document, the transaction record, and the counterparty information.

[0019] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment document includes: payment document data content and payment document tags; the payment document data content is a data file, and the payment document tags include: product document type; The counterparty information includes: the payment document and the data file, wherein the data file and the payment document data content are verified to be consistent. If the product file type is inconsistent with the data file type, the first credit score of the blockchain address to be evaluated is determined to be negative based on the payment file, the transaction record, and the counterparty information.

[0020] On the other hand, a credit assessment method includes: An evaluation request for the counterparty is generated based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information.

[0021] Send the evaluation request to obtain a first credit score for the blockchain address to be evaluated, determined based on the payment documents, the transaction records, and the counterparty information; Receive an evaluation response, the evaluation response including: the first credit score of the blockchain address to be evaluated.

[0022] Furthermore, the counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document.

[0023] Furthermore, the evaluation content feature message is the result of calculating the evaluation content using a one-way function.

[0024] Furthermore, the payment document feature message is the result of calculating the payment document using a one-way function, which includes: MD5, SHA-224, SHA-256, SHA-384, SHA-512, SHA-512 / 224, SHA-512 / 256, SHA3-224, SHA3-256, SHA3-384, and SHA3-512.

[0025] Furthermore, the evaluation response includes: calculating or updating a second credit score for the blockchain address to be evaluated based on the first credit score of the blockchain address to be evaluated.

[0026] On the other hand, a credit assessment system is provided for a credit device, the credit device comprising: an acquisition unit and an evaluation unit; the acquisition unit and the evaluation unit are logically connected to each other. The acquisition unit is used to acquire payment documents issued by the blockchain address to be evaluated and transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment documents; and to acquire counterparty information associated with the transaction records. The evaluation unit is used to determine a first credit score for the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information.

[0027] On the other hand, a credit assessment system is provided for a terminal device, the terminal device comprising: an evaluation request unit and an evaluation response unit; the evaluation request unit and the evaluation response unit are logically connected to each other. The evaluation request unit is configured to generate an evaluation request for the counterparty based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information. The unit is also configured to send the evaluation request to obtain a first credit score for the blockchain address to be evaluated, determined based on the payment documents, the transaction records, and the counterparty information. The evaluation response unit is used to receive an evaluation response, which includes the first credit score of the blockchain address to be evaluated.

[0028] On the other hand, a non-transitory computer-readable storage medium storing a computer program thereon, characterized in that, when executed by a processor, the computer program implements the steps of a credit assessment method as described in any of the preceding claims.

[0029] This invention provides a method and system for credit assessment. It has the following beneficial effects: In this invention: The invention determines a first credit score for the blockchain address to be evaluated based on payment documents, transaction records, and counterparty information. This invention analyzes the reasonableness of payment documents based on buyer reviews and can assign credit ratings to specific blockchain addresses, thus improving the user experience of consuming directly issued digital documents.

[0030] In this invention, an evaluation request for the counterparty is generated based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request is sent, and an evaluation response is received. The evaluation response includes the first credit score of the blockchain address to be evaluated. Through this invention, buyers can rate the seller's credit at any time when purchasing payment documents via a terminal app or browser, improving the user experience for directly issued payment documents. Attached Figure Description

[0031] Figure 1 This is a flowchart of Embodiment 1 of the present invention; Figure 2 This is a schematic diagram of a system according to an embodiment of the present invention. Implementation

[0032] The present invention will be further described below with reference to the accompanying drawings and embodiments: Example

[0033] Embodiment 1 of this invention discloses a method for credit assessment, with reference to Figure 1 The method includes: Step S101: Obtain the payment document issued by the blockchain address to be evaluated and the transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment document.

[0034] The blockchain technology used can be DAG (Directed Acyclic Graph) or similar, and the price of the payment document is denominated in local digital fiat currency. For transactions that do not require fiat currency exchange, blockchain points or blockchain assets can be used. The counterparty's blockchain address is typically the buyer's address, while the blockchain address to be evaluated is typically the seller's address.

[0035] The payment document includes: payment document data content and payment document tag; the payment document data content includes a data file, and the payment document tag includes payment attributes, a payment document data content verification code, and a blockchain signature message. The payment attributes include: the issuer's blockchain address and the payment document price. The payment document data content verification code is a digital feature identifier calculated using a one-way function. The blockchain signature message is generated by the issuer's blockchain address based on the payment document data content verification code through a blockchain signature.

[0036] Step S102: Obtain the counterparty information associated with the transaction record. The counterparty information may include: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which includes feature messages of the evaluation content and feature messages of the payment document.

[0037] Step S103: Determine the first credit score of the blockchain address to be evaluated based on the payment document, the transaction record, and the counterparty information. The main steps in determining the first credit score include: checking the consistency between the counterparty information and the payment document, checking the consistency between the transaction record and the payment document, and checking whether the seller's commitment in the signed message of the payment document is fulfilled.

[0038] In this embodiment, the seller's credit rating can be updated based on buyer reviews. When a seller defaults, the buyer can provide evidence, and the seller should bear the risk of a credit rating downgrade issued by a third-party institution, thereby encouraging honest behavior in the digital file distribution field. When the blockchain address to be evaluated is linked to the identifiable identity KYC of the institution and the seller in a centralized financial venue, the credit deterrent effect is further enhanced, thereby promoting the consumption of digital files.

[0039] Furthermore, the method further includes, prior to: Receive an evaluation request, the evaluation request including: the blockchain address to be evaluated, the payment document, and the counterparty information, the counterparty information including: evaluation content, and an evaluation signature message based on the counterparty blockchain address for the evaluation content feature message and the payment document feature message; The evaluation request is verified based on the evaluation signature message. If the evaluation request fails verification, the process exits.

[0040] Furthermore, the evaluation content feature message is the result of calculating the evaluation content using a one-way function, which includes: MD5, SHA-224, SHA-256, SHA-384, SHA-512, SHA-512 / 224, SHA-512 / 256, SHA3-224, SHA3-256, SHA3-384, and SHA3-512.

[0041] Furthermore, the payment document feature message is the result of calculating the payment document using a one-way function.

[0042] Furthermore, the method also includes: Send an evaluation response, the evaluation response including: the first credit score of the blockchain address to be evaluated.

[0043] Furthermore, the method also includes: Calculate or update the second credit score of the blockchain address to be evaluated based on the first credit score of the blockchain address to be evaluated; Send an evaluation response, the evaluation response including: the second credit score of the blockchain address to be evaluated.

[0044] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: Verify the validity of the payment document; The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document. Verify the evaluation content based on the evaluation signature message; If the payment document is valid and the evaluation content is verified, the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information.

[0045] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: Verify the validity of the payment document; The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document. Verify the evaluation content based on the evaluation signature message; If the evaluation content passes verification, the defense information of the blockchain address to be evaluated based on the counterparty information is obtained. The defense information includes: the defense content and the defense signature message of the blockchain address to be evaluated against the feature message of the evaluation content, the feature message of the payment document, and the feature message of the defense content. The defense result of the blockchain address to be evaluated is determined based on the payment documents, the counterparty information, and the defense information. If the payment document is valid and the evaluation request is verified, and if the defense result is unsuccessful, the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information. If the defense is successful, a third credit score for the counterparty's blockchain address is determined based on the payment documents, the transaction records, and the counterparty information.

[0046] In this embodiment, the seller can receive the system's defense prompts through the blockchain email or the contact information in the payment documents. The seller can generally make a defense based on the evaluation within a certain period of time. If the defense is successful, the buyer will have their credit rating affected due to false accusation.

[0047] In this embodiment, the buyer's counterparty blockchain address will be involved in the third credit score count for failed complaints. The seller's pending evaluation blockchain address will be involved in the first credit score count for being complained against, already complained against, under appeal, already appealed, and appeal failed.

[0048] Furthermore, verifying the validity of the payment document includes: The payment document is valid if the issuer's blockchain address matches the blockchain address to be evaluated; and, The payment document is valid if the sum of the transaction quantities of the transaction records paid from the counterparty's blockchain address satisfies the share payment price of the payment document; and, The payment document is valid if the signature message of the payment document is valid.

[0049] In this embodiment, credit rating requires verification of signature messages and the validity of payment documents.

[0050] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The counterparty information includes the payment document and payment document 2, and the payment document data content of the payment document is the same as that of payment document 2; If the issuer blockchain address of the payment document is inconsistent with the issuer blockchain address of payment document 2, then the piracy score of the first credit score of the blockchain address to be evaluated is determined to be 1 point based on the payment document, the transaction record and the counterparty information.

[0051] In this embodiment, buyers can report sellers' blockchain addresses for pirated documents. The system of this invention can separately list piracy scores to further verify the copyright ownership of the payment document data content. Verification methods include: based on the earliest registration time of the payment document data content, and data updates coordinated with copyright registration agencies, etc.

[0052] In a typical scenario, the credit score of a blockchain address to be evaluated includes individual or aggregated first credit scores for multiple different categories and states. For example: suspected piracy 1 point, piracy 2 points, product default 1 point, product compliance 2.15 points, total first credit score -5.67 points.

[0053] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment document includes: payment document data content and payment document tags; the payment document data content is an image file, and the payment document tags include: product specifications; The counterparty information includes: the payment document and the image file, and the image file and the payment document data content are verified to be consistent; If the product specifications do not match the image specifications in the image file, the first credit score of the blockchain address to be evaluated is determined to be negative, at -1 point, based on the payment documents, transaction records, and counterparty information. In actual credit evaluation, the first credit score of the blockchain address to be evaluated can also be determined to be -0.023 points based on the transaction price and the proportion of transaction volume.

[0054] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment file includes: payment file data content and payment file tags; the payment file data content is an MP3 file, and the payment file tags include: product artist; The counterparty information includes: the payment file and the mp3 file, and the data content of the mp3 file and the payment file are verified to be consistent. If the singer of the product is different from the singer in the mp3 file, the first credit score of the blockchain address to be evaluated is determined to be negative based on the payment document, the transaction record, and the counterparty information.

[0055] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment file includes: payment file data content and payment file tags; the payment file data content is a video file, and the payment file tags include: product sales type and product duration. The counterparty information includes: the payment document and the video file, and the video file and the payment document data content are verified to be consistent; If the product sales type is the full version and the duration of the film / TV file is inconsistent with the product duration, the first credit score of the blockchain address to be evaluated is determined to be a negative credit score based on the payment document, the transaction record, and the counterparty information.

[0056] Further, determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment document includes: payment document data content and payment document tags; the payment document data content is a data file, and the payment document tags include: product document type; The counterparty information includes: the payment document and the data file, wherein the data file and the payment document data content are verified to be consistent. If the product file type is inconsistent with the data file type, the first credit score of the blockchain address to be evaluated is determined to be negative based on the payment file, the transaction record, and the counterparty information.

[0057] In the above embodiments, the system can verify buyer reports and calculate a first credit score for credit rating based on payment documents according to some predetermined patterns, such as: data file file type mismatch, source material image resolution not meeting the seller's promised high-definition specifications, misattributed MP3 files, and video files being advertisement versions, etc. Example

[0058] Embodiment 2 of the present invention discloses a credit assessment method, the method comprising: Step S201: Generate an evaluation request for the counterparty based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information.

[0059] Step S202: Send the evaluation request to obtain the first credit score of the blockchain address to be evaluated, determined based on the payment document, the transaction record, and the counterparty information; Step S203: Receive an evaluation response, the evaluation response including: the first credit score of the blockchain address to be evaluated.

[0060] In this embodiment, buyers can rate the seller's creditworthiness at any time when placing an order through the APP or browser.

[0061] Furthermore, the counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and the payment document.

[0062] Furthermore, the evaluation content feature message is the result of calculating the evaluation content using a one-way function.

[0063] Furthermore, the payment document feature message is the result of calculating the payment document using a one-way function, which includes: MD5, SHA-224, SHA-256, SHA-384, SHA-512, SHA-512 / 224, SHA-512 / 256, SHA3-224, SHA3-256, SHA3-384, and SHA3-512.

[0064] Furthermore, the evaluation response includes: calculating or updating a second credit score for the blockchain address to be evaluated based on the first credit score of the blockchain address to be evaluated. Example

[0065] Embodiment 3 of the present invention discloses a credit assessment system for a credit device, the credit device comprising: an acquisition unit and an evaluation unit; the acquisition unit and the evaluation unit are logically connected to each other; The acquisition unit is used to acquire payment documents issued by the blockchain address to be evaluated and transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment documents; and to acquire counterparty information associated with the transaction records. The evaluation unit is used to determine a first credit score for the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information.

[0066] In this embodiment, specifically, the seller can submit payment documents and related transaction records from the blockchain address to be evaluated to the credit device acquisition unit. This information is used to obtain a positive credit score from the credit device evaluation unit. When a seller relies on payment documents to acquire tens of thousands of blockchain assets or tens of thousands of yuan of fiat digital currency monthly, this credit evaluation is highly positive. The counterparty information obtained at this time does not include evaluation content or corresponding evaluation signature messages. It is mainly used by the credit device evaluation unit to exclude whether the buyer is the same person, whether there is cheating, or other important characteristics, thereby determining the validity and continuity of the blockchain address's income from the payment documents.

[0067] In another embodiment, the blockchain collateral institution, as a counterparty, can use the default status of large assets such as blockchain real estate, with the consent of the mortgagor, for the blockchain credit rating of this invention, thereby bridging the one-to-one mapping between blockchain and the real economy and creating a trustworthy society. Example

[0068] Embodiment 4 of the present invention discloses a credit assessment system for a terminal device, the terminal device comprising: an evaluation request unit and an evaluation response unit; the evaluation request unit and the evaluation response unit are logically connected to each other; The evaluation request unit is configured to generate an evaluation request for the counterparty based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information. The unit is also configured to send the evaluation request to obtain a first credit score for the blockchain address to be evaluated, determined based on the payment documents, the transaction records, and the counterparty information. The evaluation response unit is used to receive an evaluation response, which includes the first credit score of the blockchain address to be evaluated.

[0069] refer to Figure 2 The credit assessment system includes a terminal device 40, a credit device 30, and a blockchain network 50. Example

[0070] Embodiment 5 of the present invention discloses a non-transitory computer-readable storage medium storing a computer program thereon. When executed by a processor, the computer program implements the steps of a credit assessment method as described in any of the preceding embodiments. The storage medium may include a high-speed random access storage medium, and may also include a non-volatile storage medium, such as a hard disk, memory, plug-in hard disk, smart media card (SMC), secure digital card (SD), flash card, at least one disk storage medium, flash memory device, or other volatile solid-state storage medium.

[0071] In this invention, a first credit score is determined for the blockchain address to be evaluated based on payment documents, transaction records, and counterparty information. This invention analyzes the reasonableness of payment documents based on buyer reviews and can assign credit ratings to specific blockchain addresses, thereby improving the user experience for directly issued digital documents.

[0072] In this invention, an evaluation request for the counterparty is generated based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request is sent, and an evaluation response is received. The evaluation response includes the first credit score of the blockchain address to be evaluated. Through this invention, buyers can rate the seller's credit at any time when purchasing payment documents via a terminal app or browser, improving the user experience for directly issued payment documents.

[0073] Those skilled in the art will clearly understand that, for the sake of convenience and brevity, the units described above are merely illustrative examples of the division of functional modules. In practical applications, the functions described above can be assigned to different functional modules as needed, that is, the internal structure of the device can be divided into different functional modules to complete all or part of the functions described above. The specific working process of the systems, devices, and units described above can be referred to the corresponding processes in the foregoing method embodiments, and will not be repeated here.

[0074] In the several embodiments provided in this application, it should be understood that the disclosed systems, apparatuses, and methods can be implemented in other ways. For example, the apparatus 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, or indirect coupling or communication connection between apparatuses or units, and may be electrical, mechanical, or other forms.

[0075] 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.

[0076] Furthermore, the functional units in the various embodiments of the present invention 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.

[0077] 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, the technical solution of the present invention, in essence, 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. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) or processor to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, portable hard drives, read-only memory (ROM), random access memory (RAM), magnetic disks, or optical disks.

[0078] The above description is merely a specific embodiment of the present invention, but the scope of protection of the present invention is not limited thereto. Any variations or substitutions that can be easily conceived by those skilled in the art within the technical scope disclosed in the present invention should be included within the scope of protection of the present invention. Therefore, the scope of protection of the present invention should be determined by the scope of the claims.

Claims

1. A method of credit assessment, characterized by, The method includes: Obtain payment documents issued by the blockchain address to be evaluated, as well as transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment documents; Obtain the counterparty information associated with the transaction record; The first credit score of the blockchain address to be evaluated is determined based on the payment documents, the transaction records, and the counterparty information.

2. The method of credit assessment according to claim 1, wherein, The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and payment file.

3. The method of credit assessment according to claim 1, wherein, The step of determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: Verify the validity of the payment document; The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and payment document. Verify the evaluation content based on the evaluation signature message; If the evaluation content passes verification, the defense information of the blockchain address to be evaluated based on the counterparty information is obtained. The defense information includes: the defense content and the defense signature message of the blockchain address to be evaluated against the feature message of the evaluation content, the feature message of the payment document, and the feature message of the defense content. The defense result of the blockchain address to be evaluated is determined based on the payment documents, the counterparty information, and the defense information. If the payment document is valid and the evaluation request is verified, and if the defense result is unsuccessful, the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information. If the defense is successful, a third credit score for the counterparty's blockchain address is determined based on the payment documents, the transaction records, and the counterparty information.

4. The method of claim 1, wherein, The step of determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The counterparty information includes the payment document and payment document 2, and the payment document data content of the payment document is the same as that of payment document 2; If the issuer blockchain address of the payment document is inconsistent with the issuer blockchain address of payment document 2, then the piracy score of the first credit score of the blockchain address to be evaluated is determined based on the payment document, the transaction record, and the counterparty information.

5. The method of credit evaluation according to claim 1, wherein, The step of determining the first credit score of the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information includes: The payment document includes: payment document data content and payment document tags; the payment document data content is a data file, and the payment document tags include: product document type; The counterparty information includes: the payment document and the data file, wherein the data file and the payment document data content are verified to be consistent. If the product file type is inconsistent with the data file type, the first credit score of the blockchain address to be evaluated is determined to be a negative credit score based on the payment file, the transaction record, and the counterparty information.

6. A method of credit assessment, characterized by, The method includes: An evaluation request for the counterparty is generated based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information. Send the evaluation request to obtain a first credit score for the blockchain address to be evaluated, determined based on the payment documents, the transaction records, and the counterparty information; Receive an evaluation response, the evaluation response including: the first credit score of the blockchain address to be evaluated.

7. The method of credit assessment according to claim 1, wherein, The counterparty information includes: evaluation content, and an evaluation signature message based on the counterparty's blockchain address, which features the evaluation content and payment file.

8. A system for credit assessment, characterized by, A credit device is used, the credit device comprising: an acquisition unit and an evaluation unit; the acquisition unit and the evaluation unit are logically connected to each other. The acquisition unit is used to acquire payment documents issued by the blockchain address to be evaluated and transaction records between the blockchain address to be evaluated and the counterparty blockchain address based on the payment documents; and to acquire counterparty information associated with the transaction records. The evaluation unit is used to determine a first credit score for the blockchain address to be evaluated based on the payment documents, the transaction records, and the counterparty information.

9. A credit assessment system, characterized in that, For use in a terminal device, the terminal device includes: an evaluation request unit and an evaluation response unit; the evaluation request unit and the evaluation response unit are logically connected to each other; The evaluation request unit is configured to generate an evaluation request for the counterparty based on the transaction records between the blockchain address to be evaluated and the counterparty's blockchain address. The evaluation request includes: the blockchain address to be evaluated corresponding to the transaction record, payment documents, and counterparty information. The unit is also configured to send the evaluation request to obtain a first credit score for the blockchain address to be evaluated, determined based on the payment documents, the transaction records, and the counterparty information. The evaluation response unit is used to receive an evaluation response, which includes the first credit score of the blockchain address to be evaluated.

10. A non-transitory computer-readable storage medium having a computer program stored thereon, characterized in that, When executed by a processor, the computer program implements the steps of a credit assessment method as described in any one of claims 1 to 7.

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