Block chain-based information interaction method and device, equipment, storage medium and program product

Abstract

The invention provides an information interaction method and device based on a block chain, equipment, a storage medium and a program product, and can be applied to the technical field of block chains. The block chain-based information interaction method comprises the following steps: in response to a data acquisition request initiated by a request initiator, acquiring basic attribute information and dynamic attribute information for a data requester by a data provider; the data provider generates first verification information based on the basic attribute information, generates second verification information based on the dynamic attribute information, and uploads the first verification information and the second verification information to the block chain; calling an intelligent contract by the data demand side, and generating a target credit score for evaluating the credit degree of the user according to the first verification information and the second verification information; and the data demander generates a credit evaluation strategy corresponding to the user based on the credit score.

Description

Technical Field

[0001] This application relates to the field of blockchain, and more specifically to a blockchain-based information interaction method, apparatus, device, storage medium, and program product. Background Technology

[0002] Financial institutions typically evaluate users' credit ratings based on relevant data and determine whether to provide related services (such as loan services) based on the credit rating. However, this method has the following problems: due to the limited amount of data, it is difficult to accurately determine users' credit ratings, and the data is easily leaked or tampered with, thus posing privacy risks and data accuracy issues. Summary of the Invention

[0003] In view of the above problems, this application provides a blockchain-based information interaction method, apparatus, device, storage medium, and program product.

[0004] According to the first aspect of this application, a blockchain-based information exchange method is provided, comprising: responding to a data acquisition request initiated by a request initiator, a data provider acquiring basic attribute information and dynamic attribute information for the data requester, wherein the basic attribute information is used to characterize whether the user corresponding to the request initiator has completed a predetermined behavior, and the dynamic attribute information is used to characterize the duration for which the user corresponding to the data requester has completed the predetermined behavior within a first historical time period; the data provider generating first verification information based on the basic attribute information and generating second verification information based on the dynamic attribute information, and uploading the first verification information and the second verification information to the blockchain; the data requester invoking a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information; and the data requester generating a credit assessment strategy corresponding to the user based on the credit score.

[0005] According to an embodiment of this application, generating second verification information based on dynamic attribute information includes: obtaining at least one preset behavior interval corresponding to a predetermined behavior, wherein the behavior interval is used to characterize the standard duration for a user to complete a predetermined behavior; matching the duration for a user to complete a predetermined behavior as characterized by the dynamic attribute information with the standard duration corresponding to the at least one behavior interval to determine a target behavior interval corresponding to the dynamic attribute information; and determining the second verification information according to a preset verification information value corresponding to the target behavior interval.

[0006] According to an embodiment of this application, generating a target credit score for assessing a user's creditworthiness based on first verification information and second verification information includes: determining a first base score corresponding to the first verification information, a second base score corresponding to the second verification information, and a target weight, wherein the target weight is determined using a weight determination model pre-deployed off-chain in the blockchain; and determining the target credit score based on the first base score, the second base score, and the target weight.

[0007] According to an embodiment of this application, the blockchain-based information interaction method further includes: determining at least one weight corresponding to at least one behavior interval based on multiple historical credit data corresponding to a data provider obtained in advance, wherein the at least one weight includes a target weight, and the historical credit data includes the credit rating of each reference user for multiple reference users who have completed a predetermined behavior within a predetermined historical period.

[0008] According to embodiments of this application, the blockchain-based information interaction method further includes: obtaining a target weight determined by a weight determination model; encrypting the target weight; and uploading the encrypted target weight to the blockchain.

[0009] According to an embodiment of this application, generating first verification information based on basic attribute information includes: when the basic attribute information indicates that the user has completed a predetermined action, the first verification information includes a first value; when the basic attribute information indicates that the user has not completed the predetermined action, the first verification information includes a second value.

[0010] According to an embodiment of this application, the blockchain-based information interaction method further includes the following steps performed by the data provider: obtaining authorization from the user to obtain basic attribute information and dynamic attribute information; and after obtaining authorization from the user to obtain basic attribute information and dynamic attribute information, performing the operation of obtaining basic attribute information and dynamic attribute information for the data requester.

[0011] The second aspect of this application provides a blockchain-based information interaction device, comprising: an acquisition module, configured to respond to a data acquisition request initiated by a request initiator, wherein a data provider acquires basic attribute information and dynamic attribute information for the data requester, wherein the basic attribute information is used to characterize whether the user corresponding to the request initiator has completed a predetermined behavior, and the dynamic attribute information is used to characterize the duration for which the user corresponding to the data requester has completed the predetermined behavior within a first historical time period; a verification module, configured to have the data provider generate first verification information based on the basic attribute information and second verification information based on the dynamic attribute information, and upload the first verification information and the second verification information to the blockchain network; a scoring module, configured to have the data requester invoke a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information; and a generation module, configured to have the data requester generate a credit assessment strategy corresponding to the user based on the credit score.

[0012] A third aspect of this application provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0013] A fourth aspect of this application also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0014] The fifth aspect of this application also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method. Attached Figure Description

[0015] The above-mentioned contents, other objects, features and advantages of this application will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0016] Figure 1 The illustrations depict application scenarios of blockchain-based information interaction methods, apparatuses, devices, media, and program products according to embodiments of this application.

[0017] Figure 2 A flowchart illustrating a blockchain-based information interaction method according to an embodiment of this application is shown schematically.

[0018] Figure 3 A schematic diagram of an interactive interface according to an embodiment of this application is shown;

[0019] Figure 4 This schematically illustrates a structural block diagram of a blockchain-based information interaction device according to an embodiment of this application; and

[0020] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a blockchain-based information exchange method according to an embodiment of this application. Detailed Implementation

[0021] The embodiments of this application will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of this application. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of this application for ease of explanation. However, it will be apparent that one or more embodiments may be implemented without these specific details. Furthermore, descriptions of well-known structures and technologies are omitted in the following description to avoid unnecessarily obscuring the concepts of this application.

[0022] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the scope of this application. The terms “comprising,” “including,” etc., as used herein indicate the presence of features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0023] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0024] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0025] In the technical solution of this application, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entry points for users to choose to authorize or refuse.

[0026] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this application all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0027] Financial institutions typically assess users' creditworthiness based on information such as their payment history. However, in areas like internet finance and fintech, some users may have insufficient credit history, with little or no record with financial institutions. This makes it difficult for institutions to obtain enough data on users' payment history and other relevant information, thus hindering accurate credit assessment. Furthermore, current systems often rely on centralized databases for data storage and retrieval, making data vulnerable to leakage or tampering, posing privacy risks and data accuracy issues. In addition, the credit rating process lacks transparency, making it difficult for users to understand the basis for the determination.

[0028] In view of this, embodiments of this application provide a blockchain-based information exchange method, comprising: responding to a data acquisition request initiated by a request initiator, a data provider acquires basic attribute information and dynamic attribute information for the data requester, wherein the basic attribute information is used to characterize whether the user corresponding to the request initiator has completed a predetermined behavior, and the dynamic attribute information is used to characterize the duration for which the user corresponding to the data requester has completed the predetermined behavior within a first historical time period; the data provider generates first verification information based on the basic attribute information and second verification information based on the dynamic attribute information, and uploads the first verification information and the second verification information to the blockchain; the data requester invokes a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information; and the data requester generates a credit assessment strategy corresponding to the user based on the credit score.

[0029] Figure 1 The illustration shows an application scenario diagram of a blockchain-based information interaction method, apparatus, device, medium, and program product according to embodiments of this application.

[0030] like Figure 1As shown, the application scenario 100 according to this embodiment may include a blockchain network, which includes a request initiator 101, a data provider 102, and a data requester 103. The request initiator 101, the data provider 102, and the data requester 103 are nodes in the same blockchain network, and each of the request initiator 101, the data provider 102, and the data requester 103 may have one or more nodes.

[0031] In one embodiment, the request initiator 101 may include a user who needs to conduct business with a financial institution, and the data requester 103 may include a financial institution. The financial institution needs to obtain relevant data, determine the user's credit based on the relevant data, and determine whether to conduct corresponding business for the user based on the user's credit rating. For example, the financial institution may only conduct loan business for users with high credit ratings. The relevant data may be provided by the data provider 102.

[0032] For example, request initiator 101 can initiate a data acquisition request. In response to the data acquisition request initiated by request initiator, data provider 102 can acquire basic attribute information and dynamic attribute information for data requester. The basic attribute information is used to characterize whether the user corresponding to request initiator has completed the predetermined behavior, and the dynamic attribute information is used to characterize the duration of the predetermined behavior completed by the user corresponding to data requester within a first historical time period. Data provider 102 can generate first verification information based on basic attribute information and second verification information based on dynamic attribute information, and upload the first and second verification information to the blockchain. Data requester 103 can call a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first and second verification information. Data requester 103 can generate a credit assessment strategy corresponding to the user based on the credit score.

[0033] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0034] The following will be based on Figure 1 The described scene, through Figures 2-3 A blockchain-based information exchange method according to embodiments of this application will be described in detail.

[0035] Figure 2 A flowchart illustrating a blockchain-based information interaction method according to an embodiment of this application is shown.

[0036] like Figure 2 As shown, the blockchain-based information interaction method in this embodiment includes operations S210 to S240.

[0037] In operation S210, in response to the data acquisition request initiated by the request initiator, the data provider acquires basic attribute information and dynamic attribute information for the data requester. The basic attribute information is used to characterize whether the user corresponding to the request initiator has completed the predetermined behavior, and the dynamic attribute information is used to characterize the duration for which the user corresponding to the data requester has completed the predetermined behavior within the first historical time period.

[0038] For example, since some users have little or no records with financial institutions, it is difficult for financial institutions to obtain sufficient data such as the user's payment history based on the records. Therefore, other data that can characterize the user's creditworthiness can be used to replace data such as payment history. For example, basic attribute information and dynamic attribute information can be used to replace the user's records with financial institutions, and the user's credit can be assessed based on the basic attribute information and dynamic attribute information.

[0039] For example, the pre-booked behavior can be determined according to actual needs. Pre-booked behaviors may include: paying utility bills, paying rent, social media interaction, etc., and may include one or more behaviors. For example, the pre-booked behavior includes paying rent. Basic attribute information may indicate whether the user has paid rent or not. If the user has paid rent, further, dynamic attribute information may indicate that the user has paid rent on time for 12 consecutive months. If the user has not paid rent, further, dynamic attribute information may indicate that the user has paid rent on time for 0 consecutive months.

[0040] For example, data providers may include power companies, landlords, social media platforms, etc. They can obtain basic and dynamic attribute information from data sources such as bill payment records, rent payment records, social media interaction records, and mobile device usage patterns.

[0041] In operation S220, the data provider generates first verification information based on basic attribute information and second verification information based on dynamic attribute information, and then uploads the first and second verification information to the blockchain.

[0042] For example, directly uploading basic attribute information and dynamic attribute information to the blockchain could lead to data leakage or data tampering. Therefore, a first verification message and a second verification message can be generated, and only the first and second verification messages are uploaded to the blockchain. The data requester can only obtain the user's first and second verification messages, and cannot obtain the basic attribute information and dynamic attribute information.

[0043] For example, first and second verification information can be generated using zero-knowledge proofs (ZKP). Zero-knowledge proofs allow users to prove the authenticity of basic and dynamic attribute information through cryptographic techniques without revealing the original data. For instance, if the basic attribute information indicates that a user has paid their electricity bill, the first verification information can show that the basic attribute information is true, indicating that the user paid their electricity bill on time, without revealing specific information such as the amount of the electricity bill or the payment date.

[0044] For example, the first and second verification information can also be accompanied by timestamps and unique identifiers, and the first and second verification information can be encrypted. As a decentralized ledger, the blockchain can store the encrypted first and second verification information, ensuring that the data is tamper-proof and transparent.

[0045] In operation S230, the data requester invokes the smart contract to generate a target credit score for assessing the user's creditworthiness based on the first and second verification information.

[0046] In operation S240, the data requester generates a credit assessment strategy corresponding to the user based on the credit score.

[0047] For example, a user's creditworthiness can be comprehensively assessed using both first and second verification information. For instance, a higher target credit score can be generated for users who have paid rent for 12 consecutive months, while a lower target credit score can be generated for users who have only paid rent for 6 consecutive months. A higher target credit score indicates a higher level of creditworthiness for the user.

[0048] For example, a credit assessment strategy can characterize whether a data requester provides a pre-booked service to a user. For instance, if a user's target credit score is higher than a preset threshold, the pre-booked service can be provided to the user. If a user's target credit score is less than or equal to the preset threshold, the pre-booked service can not be provided to the user to avoid risk due to the user's low creditworthiness.

[0049] According to embodiments of this application, since basic attribute information and dynamic attribute information are relatively easy to obtain, determining a user's target credit score through these two information can solve the problem that financial institutions have difficulty obtaining sufficient data such as the user's payment history due to a lack of or limited records with financial institutions, thus hindering accurate credit assessment. Smart contracts, as self-executing code on the blockchain, automatically calculate the credit score based on the first and second verification information, improving processing efficiency and data consistency. Because only the first and second verification information are uploaded to the blockchain, data requesters can only access the first and second verification information, not the basic and dynamic attribute information itself, thus protecting user privacy. Combining zero-knowledge proofs with blockchain enhances data security. By generating a target credit score for assessing a user's creditworthiness based on the first and second verification information through smart contracts, the transparency of the credit rating determination process is improved.

[0050] According to embodiments of this application, by storing target credit scores and other information through blockchain, users and data requesters can query relevant information at any time, and users can verify the above information at any time, thereby improving the transparency of the credit assessment process.

[0051] According to an embodiment of this application, generating second verification information based on dynamic attribute information includes the following operations.

[0052] It is possible to obtain at least one preset behavior interval corresponding to a predetermined behavior, wherein the behavior interval is used to characterize the standard duration for a user to complete a predetermined behavior.

[0053] For example, the behavioral range can be pre-defined by the data requester. The data requester can assess a user's creditworthiness based on a standard duration. For instance, the pre-booked behavior includes paying rent. If a user pays rent for 12 consecutive months (i.e., the standard duration is 12 months), the data requester will consider the user to have high creditworthiness; if a user pays rent for only 3 consecutive months (i.e., the standard duration is 3 months), the data requester will consider the user to have low creditworthiness.

[0054] For example, the duration of a user's completion of a predetermined behavior, as represented by dynamic attribute information, can be matched with the standard duration corresponding to at least one behavior interval to determine the target behavior interval corresponding to the dynamic attribute information. Second verification information can be determined based on preset verification information values ​​corresponding to the target behavior interval.

[0055] For example, by matching the duration of a user's completion of a predetermined behavior as represented by dynamic attribute information with the standard duration corresponding to at least one behavior interval, it can be determined which behavior interval the dynamic attribute information belongs to. For example, by matching, it can be determined that the dynamic attribute information belongs to the behavior interval with a standard duration of 10 to 12 months.

[0056] For example, the data requester can pre-set the verification information values ​​corresponding to each behavior range. For instance, if the dynamic attribute information belongs to the behavior range of 10 to 12 months with a standard duration, the second verification information may include: the number of consecutive payment months falls within the range of [10, 12], rather than just a Boolean value.

[0057] According to embodiments of this application, zero-knowledge proofs typically only output Boolean values, such as only outputting "true" for timely payment, without providing statistical characteristics such as the duration of timely payment. By matching the duration of a user's completion of a predetermined behavior, as represented by dynamic attribute information, with the standard duration corresponding to at least one behavior interval, a target behavior interval corresponding to the dynamic attribute information is determined; based on a preset verification information value corresponding to the target behavior interval, second verification information is determined. This allows for the representation of statistical characteristics of user behavior without disclosing the user's personal data, enabling accurate determination of the user's creditworthiness based on these statistical characteristics.

[0058] According to an embodiment of this application, generating a target credit score for assessing a user's creditworthiness based on first verification information and second verification information includes: determining a first base score corresponding to the first verification information, a second base score corresponding to the second verification information, and a target weight, wherein the target weight is determined using a weight determination model pre-deployed off-chain in the blockchain; and determining the target credit score based on the first base score, the second base score, and the target weight.

[0059] For example, the data requester can pre-set a first base score corresponding to the first verification information and a second base score corresponding to the second verification information. For instance, when there are multiple predetermined behaviors, different first base scores can be set for different first verification information generated based on the base attribute information corresponding to different predetermined behaviors. Correspondingly, different second base scores can be set for different second verification information generated based on the dynamic attribute information corresponding to different predetermined behaviors.

[0060] For example, the pre-booking behavior includes paying rent and paying utility bills. For paying rent, if the user has completed the payment (e.g., the user has performed the action of paying rent at least once), the first base score can be 30 points, and if no rent has been paid, the score is 0 points; for paying utility bills, if the user has completed the payment (e.g., the user has performed the action of paying utility bills at least once), the first base score can be 20 points, and if no rent has been paid, the score is 0 points.

[0061] For example, for the second base score, a user can have 10 points if they have paid rent for 12 consecutive months, and 8 points if they have paid rent for 6 consecutive months. A user can have 6 points if they have paid utility bills for 12 consecutive months.

[0062] It should be noted that the above-mentioned pre-arranged behaviors are merely illustrative examples and may include other types of pre-arranged behaviors, such as social media interactions, mobile device usage, etc. For example, if the average monthly number of social media interactions exceeds 100, the second base score can be 5 points; if mobile device usage has been stable over the past month, the second base score can be 3 points.

[0063] For example, different booking behaviors may be associated with different levels of user credit. For instance, if a user pays rent for 12 consecutive months, the user's credit rating may be high, and a higher target weight, such as 0.15, can be set. However, if a user pays utility bills for 12 consecutive months, the user's credit rating may be only medium, and a lower target weight, such as 0.1, can be set.

[0064] For example, the correlation between the duration of the pre-booking behavior and the user's credit may vary. For instance, if a user has only paid rent for six consecutive months, their credit rating might only be medium. Therefore, different target weights can be generated based on the pre-booking behavior corresponding to the second verification information and the duration of the user's pre-booking behavior within the first historical period. For example, the target weight is 0.08 if the user has only paid rent for six consecutive months, and 0.15 if the user has only paid rent for 12 consecutive months. For instance, if user A has paid rent for six consecutive months but paid utility bills for 12 consecutive months, user A's target credit score could be: 30 + 8 × 0.08 + 20 + 6 × 0.1 = 51.24 points.

[0065] For example, the target weights can be determined by a weight determination model pre-deployed off-chain within the blockchain. A lightweight model can be pre-trained off-chain to obtain the weight determination model.

[0066] According to embodiments of this application, by dynamically determining the target weight through an off-chain model, user credit can be accurately assessed, while also meeting the characteristics of limited blockchain computing resources and high real-time requirements. Through deep coupling between the weighted mechanism and the verification results of zero-knowledge proofs, the problem of simultaneously achieving data privacy protection and the effectiveness of data statistical features is resolved.

[0067] According to an embodiment of this application, the blockchain-based information interaction method further includes: determining at least one weight corresponding to at least one behavior interval based on multiple historical credit data corresponding to a data provider obtained in advance, wherein the at least one weight includes a target weight, and the historical credit data includes the credit rating of each reference user for multiple reference users who have completed a predetermined behavior within a predetermined historical period.

[0068] For example, to assess the correlation between different booking behaviors and user credit, and the correlation between the duration of booking behaviors and user credit, reference customers who have completed booking behaviors within a booking history period (which can be set according to actual needs) can be identified, and their credit ratings can be determined. For instance, if most reference customers who have paid rent for 12 consecutive months have high credit ratings, it indicates a high correlation between "paying rent for 12 consecutive months" and user credit, thus a higher target weight can be generated.

[0069] According to embodiments of this application, the blockchain-based information interaction method further includes: obtaining a target weight determined by a weight determination model; encrypting the target weight; and uploading the encrypted target weight to the blockchain.

[0070] For example, the target weights of the model output can be determined by obtaining the weights. In order to ensure the data security of the target weights and prevent them from being tampered with, the target weights can be encrypted, such as by homomorphic encryption. The homomorphically encrypted target weights are then uploaded to the blockchain, and the smart contract calculates the target credit score after decrypting them.

[0071] According to embodiments of this application, by encrypting the target weight and uploading the encrypted target weight to the blockchain, the target weight can be prevented from being tampered with, thereby ensuring the accuracy of the target credit score and thus accurately evaluating the user's creditworthiness.

[0072] According to an embodiment of this application, generating first verification information based on basic attribute information includes: when the basic attribute information indicates that the user has completed a predetermined action, the first verification information includes a first value; when the basic attribute information indicates that the user has not completed the predetermined action, the first verification information includes a second value.

[0073] For example, the first and second values ​​can be preset by the data requester, and both can be Boolean values. For instance, if the user completes the pre-defined action, the first verification information is "true"; if the user does not complete the pre-defined action, the first verification information is "false".

[0074] According to the embodiments of this application, zero-knowledge proof can output Boolean values ​​such as "true" and "false". Through the above Boolean values, it can be determined whether the user has completed the predetermined behavior, but without disclosing the user's personal information, thereby protecting user privacy and improving data security.

[0075] According to embodiments of this application, the blockchain-based information exchange method may further include: the data provider performing the following operations: obtaining authorization from the user to obtain basic attribute information and dynamic attribute information; and after obtaining authorization from the user to obtain basic attribute information and dynamic attribute information, performing the operation of obtaining basic attribute information and dynamic attribute information for the data requester.

[0076] For example, before a data provider obtains basic and dynamic attribute information for a data requester, it can send a notification message (such as an SMS or webpage notification) to the user corresponding to the data requester. Only after obtaining the user's authorization can the data provider perform the operation of obtaining the basic and dynamic attribute information for the data requester.

[0077] For example, users can choose the data sources they authorize, such as mobile payment records, rental payments, and other data to assess their creditworthiness, thereby increasing the flexibility of credit assessment.

[0078] Figure 3 A schematic diagram of an interactive interface according to an embodiment of this application is shown.

[0079] like Figure 3 As shown, relevant credit information can be displayed to users through an interactive interface. Multilingual options can be added to the interface to meet diverse user needs.

[0080] For example, first-time users need to register an account and provide basic information (such as name and contact information). The authorization process can be completed by clicking options on the interactive interface, such as clicking the "Data Authorization" option, choosing whether to authorize, and selecting the authorized recipients, such as authorizing the power company to access billing data. The system will display the scope and purpose of the authorization to enhance user trust. Users can revoke authorization at any time and stop data collection. For example, user A can authorize the power company, landlord, and social media platforms to access their data through the interactive interface.

[0081] For example, when a user needs to conduct business with a financial institution, they can submit a data retrieval request through the "Submit Application" button on the interactive interface. For instance, a user can directly submit a business application on the interface, and the system automatically sends their credit score and relevant supporting documents to the financial institution. After review, the financial institution provides feedback through the system, and the user can check the status in real time (e.g., "Application approved, loan amount XXXX yuan"). The interactive interface can display prompts clearly informing the user that only verification information, not raw data, is shared. For example, the interface might prompt, "Your bill amount will not be exposed; it only proves timely payment." For example, a power company can generate verification information such as "Timely payment of electricity bills for the past 12 months," a landlord can generate verification information such as "No rent overdue for the past 6 months," and a social media platform can generate verification information such as "Average monthly interaction frequency of 150 times," and upload the verification information to the blockchain. Users can view the specific supporting information mentioned above through the interactive interface.

[0082] For example, users can view their total credit score and details through an interactive interface. The interface might display, "Current credit score is XX points, including +10 points for bill payment, +8 points for rent payment, +5 points for social activities, and +3 points for device usage." Each score is traceable to blockchain records, and users can click to view the score details. This improves the transparency of credit assessment.

[0083] For example, the system corresponding to the interactive interface updates the score regularly based on new data. If a user pays their bill on time next month, their credit score can rise from 23 to 33. The system can analyze user data and provide personalized suggestions, such as "increasing social interaction can improve your score." The system can also connect with the platforms of more financial institutions, allowing users to share their scores with multiple financial institutions with a single click, achieving cross-platform integration.

[0084] Related methods typically store raw data in plaintext in a centralized database, and data features are directly used to calculate scores. Furthermore, the scoring parameters are all of fixed weight. In contrast, the embodiments of this application do not store raw data; instead, they only upload relevant verification information to the blockchain. The target weight for dynamically generating second verification information is determined by the weights, thereby reducing the risk of data leakage, meeting data protection requirements, and supporting dynamic compliance adjustments. Through the embodiments of this application, data verification time can be reduced. For example, the verification time of related methods is 2.3 seconds per item, while that of this application is only 0.4 seconds per item, representing an 83% improvement in data verification. Moreover, the accuracy of credit model verification is improved. The model accuracy (Area Under the Curve, AUC) of credit models that only perform credit assessment based on Boolean attributes is only 0.72, while the model accuracy (AUC) of the credit model based on multi-level target weights in the embodiments of this application is 0.81, representing a 12.5% ​​improvement. Related methods that only perform credit assessment based on user records at financial institutions and require storing raw data have a low user coverage rate of only 63%, while the user coverage rate of the embodiments of this application can reach 89%, representing a 41% improvement.

[0085] Based on the aforementioned blockchain-based information interaction method, this application also provides a blockchain-based information interaction device. The following will combine... Figure 4 The device is described in detail.

[0086] Figure 4 A schematic diagram illustrating the structure of a blockchain-based information interaction device according to an embodiment of this application is shown.

[0087] like Figure 4 As shown, the blockchain-based information interaction device 400 in this embodiment includes an acquisition module 410, a verification module 420, a scoring module 430, and a generation module 440.

[0088] The acquisition module 410 is used to respond to a data acquisition request initiated by the request initiator, and to obtain basic attribute information and dynamic attribute information for the data requester from the data provider. The basic attribute information indicates whether the user corresponding to the request initiator has completed a predetermined action, and the dynamic attribute information indicates the duration for which the user corresponding to the data requester completed the predetermined action within a first historical time period. In one embodiment, the acquisition module 410 can be used to execute the operation S210 described above, which will not be repeated here.

[0089] The verification module 420 is used by the data provider to generate first verification information based on basic attribute information and second verification information based on dynamic attribute information, and then uploads the first and second verification information to the blockchain network. In one embodiment, the verification module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0090] The scoring module 430 is used by the data requester to invoke a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information. In one embodiment, the scoring module 430 can be used to perform the operation S230 described above, which will not be repeated here.

[0091] The generation module 440 is used by the data requester to generate a credit assessment strategy corresponding to the user based on the credit score. In one embodiment, the generation module 440 can be used to perform the operation S230 described above, which will not be repeated here.

[0092] According to an embodiment of this application, the verification module includes an acquisition submodule, a matching submodule, and a first determination submodule.

[0093] The acquisition submodule is used to acquire at least one preset behavior interval corresponding to the predetermined behavior, wherein the behavior interval is used to represent the standard duration for the user to complete the predetermined behavior; the matching submodule is used to match the duration for the user to complete the predetermined behavior represented by the dynamic attribute information with the standard duration corresponding to at least one behavior interval to determine the target behavior interval corresponding to the dynamic attribute information; the first determination submodule is used to determine the second verification information according to the preset verification information value corresponding to the target behavior interval.

[0094] According to embodiments of this application, the generation module includes a second determining submodule and a third determining submodule.

[0095] The second determination submodule is used to determine the first basic score corresponding to the first verification information, the second basic score corresponding to the second verification information, and the target weight, wherein the target weight is determined using a weight determination model pre-deployed off-chain in the blockchain; the third determination submodule is used to determine the target credit score based on the first basic score, the second basic score, and the target weight.

[0096] According to embodiments of this application, the blockchain-based information interaction device further includes an output module.

[0097] The output module is used to determine at least one weight corresponding to at least one behavior interval based on multiple historical credit data corresponding to the data provider obtained in advance, and the at least one weight includes a target weight. The historical credit data includes the credit rating of each reference user who has completed a predetermined behavior within a predetermined historical period.

[0098] According to embodiments of this application, the blockchain-based information interaction device further includes a weight acquisition module, an encryption module, and an upload module.

[0099] The weight acquisition module is used to acquire the target weights determined by the weight determination model; the encryption module is used to encrypt the target weights; and the upload module is used to upload the encrypted target weights to the blockchain.

[0100] According to an embodiment of this application, the verification module is further configured to: when the basic attribute information indicates that the user has completed the predetermined behavior, the first verification information includes a first value; when the basic attribute information indicates that the user has not completed the predetermined behavior, the first verification information includes a second value.

[0101] According to embodiments of this application, the blockchain-based information interaction device further includes an authorization module. The authorization module can be used by the data provider to perform the following operations: obtain user authorization for obtaining basic attribute information and dynamic attribute information; and, after obtaining user authorization for obtaining basic attribute information and dynamic attribute information, perform the operation of obtaining basic attribute information and dynamic attribute information for the data requester.

[0102] According to embodiments of this application, any multiple modules among the acquisition module 410, verification module 420, scoring module 430, and generation module 440 can be merged into one module, or any one of these modules can be split into multiple modules. Alternatively, at least some of the functions of one or more of these modules can be combined with at least some of the functions of other modules and implemented in one module. According to embodiments of this application, at least one of the acquisition module 410, verification module 420, scoring module 430, and generation module 440 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), programmable logic array (PLA), system-on-a-chip, system-on-a-substrate, system-on-package, application-specific integrated circuit (ASIC), or any other reasonable means of integrating or packaging circuitry, or implemented in software, hardware, or firmware, or in any appropriate combination of any of these three implementation methods. Alternatively, at least one of the acquisition module 410, verification module 420, scoring module 430, and generation module 440 can be at least partially implemented as a computer program module, which can perform corresponding functions when the computer program module is run.

[0103] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a blockchain-based information exchange method according to an embodiment of this application.

[0104] like Figure 5As shown, an electronic device 500 according to an embodiment of this application includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage portion 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of this application.

[0105] RAM 503 stores various programs and data required for the operation of electronic device 500. Processor 501, ROM 502, and RAM 503 are interconnected via bus 504. Processor 501 executes various operations of the method flow according to embodiments of this application by executing programs in ROM 502 and / or RAM 503. It should be noted that programs may also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 may also execute various operations of the method flow according to embodiments of this application by executing programs stored in one or more memories.

[0106] According to embodiments of this application, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to a bus 504. The electronic device 500 may also include one or more of the following components connected to the input / output (I / O) interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 510 as needed so that computer programs read from it can be installed into the storage section 508 as needed.

[0107] This application also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs, which, when executed, implement the method according to the embodiments of this application.

[0108] According to embodiments of this application, the computer-readable storage medium can be a non-volatile computer-readable storage medium, such as including but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this application, the computer-readable storage medium may include ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503 described above.

[0109] Embodiments of this application also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to cause the computer system to implement the methods provided in the embodiments of this application.

[0110] When the computer program is executed by the processor 501, it performs the functions defined in the system / apparatus of this application embodiment. According to the embodiments of this application, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0111] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 509, and / or installed from a removable medium 511. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0112] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by processor 501, it performs the functions defined in the system of this application embodiment. According to embodiments of this application, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0113] According to embodiments of this application, program code for executing the computer programs provided in the embodiments of this application can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can be executed entirely on the user's computing device, partially on the user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0114] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0115] Those skilled in the art will understand that the features described in the various embodiments of this application can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this application. In particular, the features described in the various embodiments of this application can be combined and / or combined in various ways without departing from the spirit and teachings of this application. All such combinations and / or combinations fall within the scope of this application.

Claims

1. A blockchain-based information exchange method, characterized in that, The method includes: In response to a data acquisition request initiated by a request initiator, the data provider acquires basic attribute information and dynamic attribute information for the data requester. The basic attribute information is used to characterize whether the user corresponding to the request initiator has completed the predetermined behavior, and the dynamic attribute information is used to characterize the duration for which the user corresponding to the data requester has completed the predetermined behavior within a first historical time period. The data provider generates first verification information based on the basic attribute information and second verification information based on the dynamic attribute information, and uploads the first verification information and the second verification information to the blockchain; The data requester invokes a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first and second verification information. The data requester generates a credit assessment strategy corresponding to the user based on the credit score.

2. The method according to claim 1, characterized in that, The generation of the second verification information based on the dynamic attribute information includes: Obtain at least one preset behavior interval corresponding to the predetermined behavior, wherein the behavior interval is used to characterize the standard duration for the user to complete the predetermined behavior; The duration of the user completing the predetermined behavior, as represented by the dynamic attribute information, is matched with the standard duration corresponding to the at least one behavior interval to determine the target behavior interval corresponding to the dynamic attribute information. The second verification information is determined based on the preset verification information value corresponding to the target behavior range.

3. The method according to claim 1, characterized in that, The step of generating a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information includes: A first base score corresponding to the first verification information, a second base score corresponding to the second verification information, and a target weight are determined, wherein the target weight is determined using a weight determination model pre-deployed under the blockchain. The target credit score is determined based on the first base score, the second base score, and the target weight.

4. The method according to claim 3, characterized in that, The method further includes: Based on multiple historical credit data corresponding to the data provider obtained in advance, the weights are used to determine at least one weight corresponding to the at least one behavior interval in the model output. The at least one weight includes the target weight. The historical credit data includes the credit rating of each reference user who completed the predetermined behavior within a predetermined historical period.

5. The method according to claim 4, characterized in that, The method further includes: Obtain the target weights determined by the weight determination model; The target weights are encrypted; The encrypted target weight is uploaded to the blockchain.

6. The method according to claim 1, characterized in that, The generation of the first verification information based on the basic attribute information includes: When the basic attribute information indicates that the user has completed the predetermined behavior, the first verification information includes a first value; when the basic attribute information indicates that the user has not completed the predetermined behavior, the first verification information includes a second value.

7. The method according to claim 1, characterized in that, The method also includes the following operations performed by the data provider: Obtain the user's authorization to access the basic attribute information and the dynamic attribute information; After obtaining authorization from the user to acquire the basic attribute information and the dynamic attribute information, the operation of acquiring the basic attribute information and dynamic attribute information for the data requester is performed.

8. A blockchain-based information interaction device, characterized in that, The device includes: The acquisition module is used to respond to a data acquisition request initiated by the request initiator, and the data provider acquires basic attribute information and dynamic attribute information for the data requester. The basic attribute information is used to characterize whether the user corresponding to the request initiator has completed the predetermined behavior, and the dynamic attribute information is used to characterize the duration of the user corresponding to the data requester completing the predetermined behavior within a first historical time period. The verification module is used to generate first verification information based on the basic attribute information and second verification information based on the dynamic attribute information by the data provider, and to upload the first verification information and the second verification information to the blockchain network. The scoring module is used by the data requester to invoke a smart contract to generate a target credit score for assessing the user's creditworthiness based on the first verification information and the second verification information. The generation module is used by the data requester to generate a credit assessment strategy corresponding to the user based on the credit score.

9. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

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

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

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