CN-122022982-A - Block chain-based information interaction method, apparatus, device, storage medium and program product

Abstract

The application provides a blockchain-based information interaction method, a blockchain-based information interaction device, a blockchain-based information interaction storage medium and a blockchain-based information interaction program product, can be applied to the technical field of block chain. The information interaction method based on the blockchain comprises the steps of responding to a data acquisition request initiated by a request initiator, acquiring basic attribute information and dynamic attribute information aiming at the data requester by a data provider, generating first verification information based on the basic attribute information and second verification information based on the dynamic attribute information by the data provider, uploading the first verification information and the second verification information to the blockchain, calling an intelligent contract by a data demand party, generating a target credit score for evaluating the credit degree of a user according to the first verification information and the second verification information, and generating a credit evaluation strategy corresponding to the user by the data demand party based on the credit score.

Inventors

• Fan Jingge

Assignees

• 中国工商银行股份有限公司

Dates

Publication Date

20260512

Application Date

20251222

Claims (11)

1. 1. A blockchain-based information interaction method, the method comprising: In response to a data acquisition request initiated by a request initiator, acquiring basic attribute information and dynamic attribute information aiming at the data requester by a data provider, wherein the basic attribute information is used for representing whether a user corresponding to the request initiator completes a preset behavior or not, and the dynamic attribute information is used for representing duration time of the user corresponding to the data requester completing the preset behavior in a first historical period; generating, by the data provider, first authentication information based on the base attribute information and second authentication information based on the dynamic attribute information, and uploading the first authentication information and the second authentication information to a blockchain; Invoking an intelligent contract by the data demander, 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; Generating, by the data demander, a credit assessment policy corresponding to the user based on the credit score.
2. 2. The method of claim 1, wherein the generating second authentication information based on the dynamic attribute information comprises: acquiring at least one preset behavior interval corresponding to the preset behavior, wherein the behavior interval is used for representing the standard duration time of the user completing the preset behavior; Matching the duration time of the user represented by the dynamic attribute information when the preset behavior is completed with the standard duration time corresponding to the at least one behavior interval, and determining 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.
3. 3. The method of claim 1, wherein the generating a target credit score for evaluating the user's credit level based on the first authentication information and the second authentication information comprises: Determining a first base score corresponding to the first validation information, a second base score corresponding to the second validation information, and a target weight, wherein the target weight is determined using a weight determination model pre-deployed under the blockchain chain; and determining the target credit score according to the first basic score, the second basic score and the target weight.
4. 4. A method according to claim 3, characterized in that the method further comprises: And outputting at least one weight corresponding to the at least one action interval by utilizing the weight determination model according to a plurality of historical credit data which are acquired in advance and correspond to the data provider, wherein the at least one weight comprises the target weight, and the historical credit data comprise credit grades of a plurality of reference users which finish the preset action in a preset historical period.
5. 5. The method according to claim 4, wherein the method further comprises: acquiring the target weight determined by the weight determination model; Encrypting the target weight; and uploading the target weight after encryption processing to the blockchain.
6. 6. The method of claim 1, wherein the generating first verification information based on the base attribute information comprises: The first authentication information includes a first value in case the basic attribute information characterizes the user as completing a predetermined behavior, and includes a second value in case the basic attribute information characterizes the user as not completing a predetermined behavior.
7. 7. The method of claim 1, further comprising performing, by the data provider, the following: acquiring authorization of the user to acquire the basic attribute information and the dynamic attribute information; and after obtaining the authorization of the user to acquire the basic attribute information and the dynamic attribute information, executing the operation of acquiring the basic attribute information and the dynamic attribute information aiming at the data requester.
8. 8. A blockchain-based information interaction device, the device comprising: The system comprises an acquisition module, a data provider and a data storage module, wherein the acquisition module is used for responding to a data acquisition request initiated by a request initiator, and acquiring basic attribute information and dynamic attribute information aiming at the data requester by the data provider, wherein the basic attribute information is used for representing whether a user corresponding to the request initiator completes a preset behavior or not, and the dynamic attribute information is used for representing duration time of the user corresponding to the data requester completing the preset behavior in a first historical period; the verification module is used for generating first verification information based on the basic attribute information and second verification information based on the dynamic attribute information by the data provider, and uploading the first verification information and the second verification information to a blockchain network; The scoring module is used for calling an intelligent contract by the data requiring party 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 generation module is used for generating a credit evaluation strategy corresponding to the user based on the credit score by the data demander.
9. 9. An electronic device, comprising: one or more processors; A memory for storing one or more computer programs, Characterized in 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 1-7.
10. 10. A computer-readable storage medium, on which a computer program or instructions is stored, which, when executed by a processor, carries out the steps of the method according to any one of claims 1 to 7.
11. 11. A computer program product comprising a computer program or instructions which, when executed by a processor, implement the steps of the method according to any one of claims 1 to 7.

Description

Block chain-based information interaction method, apparatus, device, storage medium and program product Technical Field The present application relates to the field of blockchains, and more particularly, to a blockchain-based information interaction method, apparatus, device, storage medium, and program product. Background The financial institution generally evaluates the credit rating of the user based on the related data of the user and determines whether to provide the related service (e.g., loan service) to the user according to the credit rating, but the related method has problems in that it is difficult to accurately determine the credit rating of the user due to a small amount of data, and the data is easily leaked or tampered with, thus having privacy risks and data accuracy problems. Disclosure of Invention In view of the foregoing, the present application provides a blockchain-based information interaction method, apparatus, device, storage medium, and program product. According to a first aspect of the application, a blockchain-based information interaction method is provided, and the blockchain-based information interaction method comprises the steps of responding to a data acquisition request initiated by a request initiator, acquiring basic attribute information and dynamic attribute information for the data requester by a data provider, wherein the basic attribute information is used for representing whether a user corresponding to the request initiator completes a preset action, the dynamic attribute information is used for representing the duration of the preset action completed by the user corresponding to the data requester within a first historical period, generating first verification information by the data provider based on the basic attribute information and generating second verification information based on the dynamic attribute information, uploading the first verification information and the second verification information to a blockchain, calling an intelligent contract by a data demand party, 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 generating a credit evaluation strategy corresponding to the user by the data demand party based on the credit score. The method comprises the steps of obtaining at least one preset behavior interval corresponding to a preset behavior, wherein the behavior interval is used for representing standard duration time of the user completing the preset behavior, matching the duration time of the user completing the preset behavior with the standard duration time corresponding to the at least one behavior interval, determining a target behavior interval corresponding to the dynamic attribute information, and determining second verification information according to a preset verification information value corresponding to the target behavior interval. Generating a target credit score for evaluating the credit degree of the user according to the first verification information and the second verification information according to the embodiment of the application comprises determining a first basic score corresponding to the first verification information, a second basic score corresponding to the second verification information and a target weight, wherein the target weight is determined by using a weight determination model which is pre-deployed under a blockchain chain, and determining the target credit score according to the first basic score, the second basic score and the target weight. According to an embodiment of the application, the blockchain-based information interaction method further comprises outputting at least one weight corresponding to at least one action interval by using a weight determination model according to a plurality of historical credit data which are acquired in advance and correspond to the data provider, wherein the historical credit data comprise credit grades of reference users for a plurality of reference users which complete preset actions within preset historical time periods, and the at least one weight comprises a target weight. According to the embodiment of the application, the information interaction method based on the blockchain further comprises the steps of obtaining the target weight determined by the weight determination model, conducting encryption processing on the target weight, and uploading the encrypted target weight to the blockchain. According to an embodiment of the application, generating the first authentication information based on the basic attribute information comprises including a first value in case the basic attribute information characterizes the user as completing the predetermined behavior and including a second value in case the basic attribute information characterizes the user as not completing the predetermined behavior. According to the embodiment of the applic