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WO2020147478A1 - 基于区块链的用户特征值获取、应用方法和装置 - Google Patents

基于区块链的用户特征值获取、应用方法和装置 Download PDF

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Publication number
WO2020147478A1
WO2020147478A1 PCT/CN2019/125909 CN2019125909W WO2020147478A1 WO 2020147478 A1 WO2020147478 A1 WO 2020147478A1 CN 2019125909 W CN2019125909 W CN 2019125909W WO 2020147478 A1 WO2020147478 A1 WO 2020147478A1
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Prior art keywords
user
characteristic value
behavior data
target user
business behavior
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PCT/CN2019/125909
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English (en)
French (fr)
Inventor
陈鑫
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阿里巴巴集团控股有限公司
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Publication of WO2020147478A1 publication Critical patent/WO2020147478A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • This specification relates to the field of data processing technology, in particular to blockchain-based user feature value acquisition and application methods and devices.
  • Blockchain technology also known as distributed ledger technology, is an emerging technology in which several computing devices participate in "bookkeeping" and jointly maintain a complete distributed database. Because the blockchain technology has the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and the rapid data synchronization between computing devices, the blockchain technology has been widely used in many fields. To apply.
  • one or more embodiments of this specification provide a block chain-based user feature value acquisition and application method and device, and computer equipment.
  • the blockchain includes multiple business behavior data provider node devices, and the method includes:
  • the first smart contract is called, the calculation logic of the user characteristic value declared by the first smart contract is executed, and the characteristic value of the target user is calculated based on the business behavior data generated by the target user.
  • a blockchain-based application method of user characteristic values is proposed, which is applied to the application side node equipment included in the blockchain, and the method includes:
  • a device for obtaining user characteristic values based on a blockchain includes multiple business behavior data provider node devices, and the device includes:
  • An acquiring unit configured to acquire a target transaction sent by a business behavior data provider node device, the target transaction including business behavior data generated by a target user;
  • the execution unit is configured to call the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.
  • an application device based on user characteristic values of a blockchain is proposed, which is applied to the application side node equipment included in the blockchain, and the device includes:
  • An obtaining unit configured to obtain the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;
  • the execution unit is configured to execute application processing logic for the characteristic value of the target user based on the characteristic value of the target user.
  • a computer device including: a memory and a processor; the memory stores a computer program that can be run by the processor; the processor runs the computer During the program, the above-mentioned method for obtaining user characteristic values based on the blockchain is executed.
  • a computer device including: a memory and a processor; the memory stores a computer program that can be run by the processor; the processor runs the computer During the program, the above-mentioned application method of user characteristic values based on the blockchain is executed.
  • the method and device for obtaining user characteristic values based on the blockchain utilizes smart contracts deployed on the blockchain and is invoked by a target transaction containing business behavior data related to user characteristic values.
  • the calculation of the user characteristic value is automatically performed to obtain the corresponding user characteristic value.
  • the consensus mechanism of the blockchain ensures the authenticity and tamper-proof modification of the user’s business behavior data based on the calculation of user characteristic values; compared to the centralized calculation of user characteristic values, the calculation process performed independently by smart contracts ensures that users
  • the feature value calculation is fair and impartial, and because the smart contract can be called at any time, the efficiency of obtaining user feature values is improved.
  • the smart contract After the smart contract executes the calculation logic of the user's characteristic value, it will publish the calculation result, that is, the user's characteristic value in the distributed database of the blockchain.
  • the user characteristic values obtained fairly and impartially according to the blockchain-based user characteristic value acquisition method provided in this manual provide objective and fair data support for relevant business organizations to develop applications based on the user characteristic values, effectively preventing The business barriers between various business organizations due to the one-sidedness of the business behavior data generated by users are recorded.
  • FIG. 1 is a schematic flowchart of a method for acquiring user characteristic values based on a blockchain according to an embodiment provided in this specification;
  • FIG. 2 is a schematic flowchart of a blockchain-based user feature value application method according to an embodiment provided in this specification
  • FIG. 3 is a schematic diagram of a method for obtaining and applying user health points based on blockchain according to an embodiment provided in this specification;
  • FIG. 4 is a schematic diagram of a block chain-based user characteristic value obtaining device provided by an embodiment provided in this specification;
  • FIG. 5 is a schematic diagram of a block chain-based user characteristic value application device provided by an embodiment provided in this specification
  • Fig. 6 is a hardware structure diagram of an embodiment of a block chain-based user feature value acquisition or application device provided in this specification.
  • the steps of the corresponding method are not necessarily performed in the order shown and described in this specification.
  • the method may include more or fewer steps than described in this specification.
  • a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may also be combined into a single step in other embodiments. description.
  • the user characteristic value described in this specification refers to the ability or degree value of an individual user in a specified business field.
  • the user credit value is the personal trustworthiness value of the user in a financial-related business field.
  • the health feature value used to reflect the user's physical health status can be used by a business organization that takes the user's physical health as a consideration factor;
  • the IQ feature value used to reflect the user's intelligence status can be used as the consideration factor Used by business organizations; there are also user characteristic values such as emotional quotient value and mental health value that reflect the user’s emotional quotient or mental health status.
  • the acquisition of the above-mentioned user characteristic values is usually performed by one or several evaluation agencies to score and evaluate the user characteristic values.
  • the evaluation rules and evaluation process are usually not disclosed. It is difficult to ensure the rationality of the user characteristic value calculation rules, and it is even more difficult to ensure the calculation process. Fairness and justice.
  • FIG. 1 is a schematic flowchart of a method for acquiring user characteristic values based on a blockchain according to an embodiment provided in this specification.
  • the blockchain includes multiple business behavior data providers. Node device.
  • the business behavior data provider described in this embodiment is used to provide business behavior data generated by users, so as to provide a calculation basis for calculating user characteristic values.
  • the aforementioned business behavior data providers may include banks or financial institutions that provide data on the user's loan repayment behavior, business payment platforms that provide user payment behavior data, and consumption that provides user consumption behavior data.
  • the above-mentioned business behavior data providers may include medical and health institutions that provide the user’s medical or physical examination records, and provide user participation Insurance institutions that provide medical and health-related insurance business behavior data, or claims agencies that provide user claims behavior data, may even include collection devices that can monitor user health behavior parameters such as daily steps and kilometers run.
  • the blockchain described in this embodiment can specifically refer to a P2P network system with a distributed data storage structure reached by nodes through a consensus mechanism.
  • the data in the blockchain is distributed in time-connected "zones”.
  • the next block contains the data summary of the previous block, and according to the specific consensus mechanism (such as POW, POS, DPOS or PBFT, etc.), a full backup of all or part of the node data is achieved .
  • the specific consensus mechanism such as POW, POS, DPOS or PBFT, etc.
  • the blockchain system has the characteristics of ensuring data security and preventing attack and tampering that other centralized database systems cannot match. It can be seen that in the embodiments provided in this specification, the data included in the distributed database of the blockchain will not be attacked or tampered with, thereby ensuring that the business behavior data provided by the above-mentioned business behavior data provider will not be After being provided to the distributed database of the blockchain, it was tampered with, thereby ensuring the fairness of computing user characteristic values.
  • the business behavior data provider node device described in this embodiment can join the blockchain as a node of the blockchain by following the installation of the corresponding node protocol and running the node protocol program.
  • Those skilled in the art usually refer to a node device with full backup of the data of the blockchain distributed database as a full node, and a node device with partial backup data of the blockchain distributed database (such as data with only the block header) It is called a light node or a client; in this embodiment, the business behavior data provider node device may include the above-mentioned full node, light node or client, as long as it is directly or indirectly connected to the above-mentioned blockchain and can Any device that sends or obtains data of the distributed database of the blockchain can be referred to as the node device described in this embodiment.
  • the above block chain-based user characteristic value acquisition method is applied to the node device in the block chain, including:
  • Step 102 Obtain a target transaction sent by a business behavior data provider node device, where the target transaction includes business behavior data generated by a target user.
  • the transaction described in this specification refers to a piece of data created by users of all parties through the node device end of the blockchain and need to be finally released to the distributed database of the blockchain.
  • transactions in the blockchain are divided into narrow transactions and broad transactions.
  • a transaction in a narrow sense refers to a transfer of value issued by a user to the blockchain; for example, in a traditional Bitcoin blockchain network, a transaction can be a transfer initiated by the user in the blockchain.
  • a transaction refers to a piece of business data with business intentions released by a user to the blockchain; for example, a transaction can be a piece of business with business intentions released by a user in the blockchain that has nothing to do with value transfer (such as , Rental business, vehicle scheduling business, insurance claims business, credit services, medical services, etc.) messages or business requests.
  • the target transaction described in this embodiment refers to a piece of business data that includes the business behavior data of the target user.
  • the business data can call the corresponding smart contract to execute the characteristic value of the target user based on the business behavior data of the target user. Calculation.
  • the business behavior data of the target user and the call information data used to call the smart contract for calculating the user characteristic value can be packaged into a target transaction according to a preset transaction format, and then uploaded to the blockchain.
  • the business behavior data of the target user mentioned above usually includes the private information of the target user, such as health information, or financial information, etc., in order to prevent accidental disclosure or misuse of the target user’s private information, the above-mentioned preset transaction format can be specified
  • the business behavior data of the target user contained in the target exchange mentioned above is encrypted, thereby reducing the potential leakage of the user business behavior data backed up on the distributed database of the blockchain.
  • the aforementioned target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user. Based on the verification of the above electronic signature, it can be verified whether the initiator of the above target transaction is a legitimate business behavior data provider node device.
  • uploading the target transaction to the distributed database of the blockchain includes:
  • the consensus accounting node broadcasts the candidate block to the node device of the blockchain
  • the candidate block After the candidate block is verified and approved by the blockchain in accordance with a preset number of node devices, the candidate block is regarded as the latest block and added to the distributed database of the blockchain.
  • the node device with the accounting authority refers to the node device with the authority to generate candidate blocks.
  • the consensus bookkeeping node device can be determined from the node devices with the bookkeeping authority of the candidate block.
  • the aforementioned consensus mechanism may include a proof of work mechanism (PoW) or a proof of right mechanism ( PoS), or proof of share authorization mechanism (DPoS), etc.
  • the PoS or DPoS consensus mechanism is similar to PoW, and both belong to the consensus algorithm commonly used by the public blockchain to confirm the consensus accounting node equipment.
  • the embodiments provided in this specification can also use the alliance chain architecture to construct the block chain.
  • the above-mentioned business behavior data provider node equipment and business-related supervisory agencies can be used as pre-selected node equipment of the alliance chain to participate in block accounting.
  • the consensus process of the alliance chain is also controlled by the preselected node device. When there are more than a set ratio (such as 2/3) of node devices on the network to confirm a block, the transaction or data recorded in the block will be confirmed by the entire network.
  • a master node device can be elected from each node device in the blockchain, that is, the consensus accounting node described in the above embodiment (for example, every In a round of consensus, a master node device is re-elected, and other node devices are used as slave node devices.
  • the master node device further initiates transaction verification and consensus, and is responsible for the transaction data (or target data) passed based on the consensus as the block The chain creates the latest block.
  • the PBFT algorithm is due to the high efficiency of adopting this algorithm consensus and can meet the needs of high-frequency trading volume.
  • business behavior data The provider node device generates corresponding target transactions based on frequently received or generated business behavior data of different users; and the consensus delay is very low, basically meeting the requirements of real-time processing, and can quickly and real-timely in the new block of the blockchain.
  • the above-mentioned target transactions are included in the above; moreover, the trusted nodes in the alliance chain network are used as pre-selected accounting nodes, which takes into account security and stability; in addition, the use of the PBFT algorithm will not consume too much computer computing resources, nor is it Token circulation is required, so it has good usability.
  • Step 104 Invoke the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.
  • Smart contracts are usually computer executable programs that are compiled and deployed on the blockchain. Smart contracts need to pass the consensus verification of blockchain nodes before being deployed on the blockchain.
  • the first smart contract that has the calculation logic for the user characteristic value can be included in the distributed database of the blockchain after the consensus verification of the blockchain node.
  • the consensus nodes jointly supervise and verify the calculation and acquisition process of the above-mentioned user characteristic values.
  • the node device of the blockchain After obtaining the above target transaction, the node device of the blockchain calls the first smart contract pointed to by the target exchange (based on the smart contract address and function interface included in the first transaction).
  • the node device in the blockchain can be based on the above
  • the target transaction calls the first smart contract, executes the calculation of the user's characteristic value, and generates the result of the call execution, that is, the target user's characteristic value calculated based on the target user's business behavior data included in the target exchange.
  • the execution result is included in the blockchain In a distributed database, for evidence.
  • This specification does not limit the specific calculation logic of the user characteristic value declared by the above-mentioned first smart contract. It can be after obtaining the preset number or type of user business behavior data (or target transaction) of the target user, Then perform the calculation of the characteristic value of the target user; it can also be as the business behavior data provider node device continuously uploads the target transaction, and continuously obtains the user business behavior data (or target transaction) that meets the preset format, thereby
  • the feature value of the target user mentioned above is constantly updated, that is, the STORM-based streaming calculation logic; it can also include other types of calculation logic.
  • any node device in the blockchain can synchronize the new block to obtain the above-mentioned target transaction based on the new block generation frequency determined by the consensus mechanism of the above-mentioned blockchain. It can be seen from the above embodiments that the blockchain based on the alliance chain usually has high transaction processing throughput and almost real-time data on-chain timeliness, which further improves the efficiency of calculating user characteristic values based on the above-mentioned target transactions.
  • the above-mentioned first smart contract should also declare that there is a decryption logic for the business behavior data to decrypt all the business behavior data.
  • the encrypted business behavior data so as to calculate the characteristic value of the target user based on the plain text of the business behavior data.
  • the deployer of the first smart contract and the relevant business behavior data provider can agree on encryption and decryption methods in advance, so that the business behavior data provider node device can send the target user’s business according to the agreed encryption method before sending the target transaction. Behavioral data encryption.
  • the calculation based on the business behavior data of the target user can be completed to obtain the characteristic value of the target user.
  • the smart contract can respond to the user's call request at any time (no need to wait in the traditional mode and reserve the working time of the user characteristic value evaluation and scoring agency), which greatly improves the efficiency of user characteristic value calculation processing.
  • the logical terms of the smart contract are verified by the consensus of the blockchain nodes and cannot be tampered with, its execution results are fair and visible, avoiding the unfair and inaccurate user feature value calculation results that may appear in the traditional model. And there is no need for centralized authority oversight or arbitration for the fairness of claims results.
  • the calculation of user characteristic values is automatically performed by the target transaction calling the first smart contract, which greatly reduces the labor and time costs required to collect the target user's business behavior data in the traditional mode, and has very good economics. .
  • the characteristic value of the user can be expanded based on the characteristic value of the user stored on the distributed database of the blockchain. application.
  • Figure 2 illustrates a schematic flow chart of a blockchain-based user characteristic value application method provided by an embodiment of this specification, which is applied to the blockchain system described in the above-mentioned blockchain-based user characteristic value acquisition method embodiment.
  • the blockchain includes an application side node device for the user characteristic value, which is used to obtain the user characteristic value and execute the application logic for the user characteristic value.
  • the application-side node device described in this embodiment can join the blockchain as a node of the blockchain by following the installation of the corresponding node protocol and running the node protocol program.
  • a node device with full backup of the data of the blockchain distributed database as a full node
  • a node device with partial backup data of the blockchain distributed database (such as data with only the block header) It is called a light node or client, etc.
  • the application side node device may include the above-mentioned full node, light node or client, as long as it is directly or indirectly connected to the above-mentioned blockchain and can be sent or obtained
  • Any device for data in the distributed database of the blockchain can be referred to as the node device described in this embodiment.
  • the application-side node device and the foregoing service behavior data provider node device may be the same node device or different node devices.
  • Step 202 The application node device obtains the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain.
  • the execution result of the above-mentioned first smart contract after the invocation of the above-mentioned target transaction that is, the characteristic value of the target user
  • the characteristic value of the target user will be included in the blockchain after being verified by the consensus of the blockchain node device.
  • Distributed database The specific inclusion process is similar to the above process that the target transaction is included in the distributed database of the blockchain.
  • the verification step of the characteristic value of the target user includes the call and execution of the first smart contract by the blockchain node device , In order to verify whether the feature value of the target user is correct and reach a consensus, the specific process will not be repeated here.
  • Step 204 based on the characteristic value of the target user, execute application processing logic for the characteristic value of the target user.
  • the application node device can execute application processing logic for the feature value of the target user.
  • the above application processing logic can be an application processing logic program deployed on the application side node device itself, or it can be another smart contract deployed on the above blockchain-the application processing logic program in the second smart contract. In this specification Not limited.
  • the logic code of the first smart contract should also include the call of the second smart based on the calculated user characteristic value.
  • the logic code of the contract (for example, including the interface and related functions of the second smart contract).
  • the above application processing logic is developed based on the user characteristic values generated by the user's business behavior data provided by multiple business behavior data provider node devices, which effectively avoids that some business organizations only rely on their own business records.
  • the behavior data is used to evaluate the user’s performance in the business behavior, effectively avoiding the generation of business barriers.
  • the above application processing logic may include using user credit feature values to approve loan limits or loan interest rates, or using user credit feature values to determine specific business deposit limits, or using user health feature values to design user insurance premium limits or other insurance plans, etc. With the gradual expansion of the user characteristic value category, the application mode and content of the user characteristic value will become more and more extensive, which is not limited in this specification.
  • the method for obtaining and applying user characteristic values provided in this specification is described.
  • the above-mentioned user characteristic value can be specifically expressed as user health points or user health credit values and so on.
  • the business behavior data provider node equipment described in this embodiment includes: medical and health service provider equipment—such as equipment terminals of hospitals or health service institutions, and insurance service provider equipment—such as insurance service platforms or insurance Company’s equipment terminal, claims service provider equipment-such as insurance company equipment terminals, and user health behavior parameter collection equipment-such as one or more of wearable devices used to monitor the user's walking or running journey or speed
  • the application side node device of the user characteristic value may include an insurance service side device-such as an insurance company's device terminal.
  • the business behavior data that can be provided by each of the above-mentioned business behavior data provider node devices may include: the target user’s medical or health consultation records, physical examination reports, the target user’s insurance policy record, the target user’s insurance claim record, and the target user’s User’s daily exercise data, etc.
  • the above-mentioned business behavior data provider node devices send the target user’s business behavior data generated by the institution to the blockchain for storage and call the health service smart contract deployed on the above-mentioned blockchain to execute the health service The calculation logic of the user's health points declared by the smart contract.
  • each of the above-mentioned business behavior data provider node devices and the deployer of the above-mentioned health service smart contract can pre-appoint the data content format and the executed API function of the business behavior data processed by the above-mentioned health service smart contract to facilitate the smart contract. transfer.
  • the above-mentioned health service smart contract can be invoked and executed by the target transaction sent by each of the above-mentioned business behavior data provider node devices, and has passed the consensus of the consensus mechanism of the blockchain and the verification rules of the blockchain for the execution result of the smart contract. After verification, the health points of the target user can be backed up in the distributed database of the blockchain.
  • the calculation logic for user health points can be deployed as STROM-based streaming calculation logic, which can quickly process streaming business behavior data, and continuously generate new health for target users in the distributed database of the blockchain integral.
  • the application-side node device for user characteristic values described in this embodiment may include insurance service-side equipment, such as equipment terminals of insurance companies; the application-side node device for application processing logic for user characteristic values may include target users Inquiries about the acquisition of health points, or the formulation of the target user’s insurance plan (including the customization of insurance premiums) based on the target user’s health points, etc.
  • the embodiment of the present specification also provides a block chain-based user characteristic value obtaining device 40 and a block chain-based user characteristic value application device 50.
  • the device 40 or 50 can be implemented by software, or can be implemented by hardware or a combination of software and hardware. Taking software implementation as an example, as a logical device, it is formed by reading the corresponding computer program instructions into the memory by the CPU (Central Process Unit, central processing unit) of the device where it is located. From the perspective of hardware, in addition to the CPU, memory, and storage shown in Figure 6, the equipment where the network risk business implementation device is located usually includes other hardware such as chips for wireless signal transmission and reception, and/or Other hardware such as boards with network communication functions.
  • CPU Central Process Unit, central processing unit
  • Fig. 4 shows a block chain-based user characteristic value obtaining device 40.
  • the block chain includes multiple business behavior data provider node devices.
  • the device 40 includes:
  • the obtaining unit 402 is configured to obtain a target transaction sent by a business behavior data provider node device, where the target transaction includes business behavior data generated by a target user;
  • the execution unit 404 is configured to call the first smart contract, execute the calculation logic of the user characteristic value declared by the first smart contract, and calculate the characteristic value of the target user based on the business behavior data generated by the target user.
  • the calculation logic for the user characteristic value declared by the first smart contract is a streaming calculation logic based on STORM.
  • the business behavior data generated by the target user included in the target transaction is encrypted
  • the first smart contract also declares a decryption logic for the business behavior data to decrypt the encrypted business behavior data, so as to calculate the characteristic value of the target user based on the business behavior data.
  • the target transaction further includes an electronic signature made by the business behavior data provider node device based at least on the business behavior data generated by the target user.
  • the user characteristic value is user health points to characterize the user's physical health status
  • the business behavior data provider node device includes: a medical health service provider device, or an insurance service provider One or more of equipment, or claims service provider equipment, or user health behavior parameter collection equipment.
  • the blockchain is a consortium chain.
  • Fig. 5 shows a block chain-based user characteristic value application device 50, which is applied to the application side node equipment included in the block chain according to claim 1, and the device 50 includes:
  • the obtaining unit 502 is configured to obtain the characteristic value of the target user calculated by the first smart contract from the distributed database of the blockchain;
  • the execution unit 504 is configured to execute application processing logic on the characteristic value of the target user based on the characteristic value of the target user.
  • the execution unit is further configured to:
  • the user characteristic value is user health points to characterize the user's physical health status
  • the business behavior data provider node device includes: a medical health service provider device, or an insurance service provider One or more of equipment, or claims service provider equipment, or user health behavior parameter collection equipment; said application side node equipment for user characteristic values includes insurance service provider equipment;
  • the execution unit is further configured to execute the formulation of an insurance plan for the target user based on the user health points of the target user.
  • the device embodiments described above are merely illustrative.
  • the units described as separate components may or may not be physically separate, and the components displayed as units may or may not be physical modules, that is, they may be located in One place, or it can be distributed to multiple network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in this specification. Those of ordinary skill in the art can understand and implement it without creative work.
  • a typical implementation device is a computer, and the specific form of the computer may be a personal computer, a laptop computer, a cellular phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email sending and receiving device, and a game control Desk, tablet computer, wearable device, or any combination of these devices.
  • the embodiment of this specification also provides a computer device.
  • the computer device includes a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, each step of the method for obtaining user characteristic values based on the blockchain in the embodiment of this specification is executed. Please refer to the previous content for a detailed description of each step of the method for obtaining user characteristic values based on the blockchain, and will not be repeated.
  • the embodiment of this specification also provides a computer device.
  • the computer device includes a memory and a processor.
  • the memory stores a computer program that can be run by the processor; when the processor runs the stored computer program, each step of the blockchain-based user characteristic value application method in the embodiment of this specification is executed. Please refer to the previous content for a detailed description of each step of the blockchain-based user characteristic value application method, and will not be repeated.
  • the computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.
  • processors CPU
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory in a computer readable medium, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer-readable media.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media including permanent and non-permanent, removable and non-removable media, can store information by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technologies, read-only compact disc read-only memory (CD-ROM), digital versatile disc (DVD) or other optical storage, Magnetic tape cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. As defined in this article, computer-readable media does not include temporary computer-readable media (transitory media), such as modulated data signals and carrier waves.
  • PRAM phase change memory
  • SRAM static random access memory
  • DRAM dynamic random access memory
  • RAM random access memory
  • ROM read-only memory
  • EEPROM electrically erasable programmable read-only memory
  • flash memory or other memory technologies
  • CD-ROM compact disc read-only memory
  • DVD digital versatile disc
  • the embodiments of the present specification may be provided as methods, systems, or computer program products. Therefore, the embodiments of this specification may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the embodiments of this specification can be in the form of computer program products implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes. .

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Abstract

一种基于区块链的用户特征值获取、应用方法和装置，所述区块链包括多个业务行为数据提供方节点设备，所述对用户特征值的获取方法包括：获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据（步骤102）；调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值（步骤104）。

Description

基于区块链的用户特征值获取、应用方法和装置 技术领域
本说明书涉及数据处理技术领域，尤其涉及基于区块链的用户特征值获取、应用方法和装置。
背景技术
区块链技术，也被称之为分布式账本技术，是一种由若干台计算设备共同参与“记账”，共同维护一份完整的分布式数据库的新兴技术。由于区块链技术具有去中心化、公开透明、每台计算设备可以参与数据库记录、并且各计算设备之间可以快速的进行数据同步的特性，使得区块链技术已在众多的领域中广泛的进行应用。
发明内容
有鉴于此，本说明书一个或多个实施例提供了基于区块链的用户特征值获取、应用方法及装置、计算机设备。
为实现上述目的，本说明书一个或多个实施例提供技术方案如下：
根据本说明书一个或多个实施例的第一方面，提出了一种基于区块链的用户特征值获得方法，所述区块链包括多个业务行为数据提供方节点设备，所述方法包括：
获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据；
调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
根据本说明书一个或多个实施例的第二方面，提出了一种基于区块链的用户特征值的应用方法，应用于区块链所包括的应用方节点设备，所述方法包括：
所述应用方节点设备从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值；
基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
根据本说明书一个或多个实施例的第三方面，提出了一种基于区块链的用户特征 值获得装置，所述区块链包括多个业务行为数据提供方节点设备，所述装置包括：
获取单元，用于获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据；
执行单元，用于调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
根据本说明书一个或多个实施例的第四方面，提出了一种基于区块链的用户特征值的应用装置，应用于区块链所包括的应用方节点设备，所述装置包括：
获取单元，用于从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值；
执行单元，用于基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
根据本说明书一个或多个实施例的第五方面，提出了一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述基于区块链的用户特征值的获得方法。
根据本说明书一个或多个实施例的第六方面，提出了一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行上述基于区块链的用户特征值的应用方法。
由以上技术方案可见，本说明书提供的基于区块链的用户特征值获得方法和装置，利用区块链上部署的智能合约，经包含与用户特征值相关的业务行为数据的目标交易的调用而自动执行对该用户特征值的计算，以获得相应的用户特征值。区块链的共识机制保证了计算用户特征值所基于的用户业务行为数据的真实性和防篡改性；相对于中心化的用户特征值计算，由智能合约自主执行的计算过程，保证了对用户特征值计算的公平公正性，且由于智能合约可在任何时候被调用，提高了获取用户特征值的效率。
智能合约执行对用户特征值的计算逻辑完毕后，会将计算结果即用户特征值发布于区块链的分布式数据库。相应的，依照本说明书所提供的基于区块链的用户特征值获得方法而公平公正地获取的用户特征值，为相关业务机构基于该用户特征值展开应用提供了客观公平的数据支持，有效防止了各个业务机构间由于其记录的用户产生的业务行为数据的片面性而产生的业务壁垒。
附图说明
图1为本说明书所提供的一实施例所示的基于区块链的用户特征值获取方法的流程示意图；
图2为本说明书所提供的一实施例所示的基于区块链的用户特征值应用方法的流程示意图；
图3为本说明书所提供的一实施例所示的基于区块链的用户健康积分获取及应用方法示意图；
图4为本说明书所提供的一实施例提供的基于区块链的用户特征值获取装置的示意图；
图5为本说明书所提供的一实施例提供的基于区块链的用户特征值应用装置的示意图；
图6为运行本说明书所提供的基于区块链的用户特征值获取或应用装置实施例的一种硬件结构图。
具体实施方式
这里将详细地对示例性实施例进行说明，其示例表示在附图中。下面的描述涉及附图时，除非另有表示，不同附图中的相同数字表示相同或相似的要素。以下示例性实施例中所描述的实施方式并不代表与本说明书一个或多个实施例相一致的所有实施方式。相反，它们仅是与如所附权利要求书中所详述的、本说明书一个或多个实施例的一些方面相一致的装置和方法的例子。
需要说明的是：在其他实施例中并不一定按照本说明书示出和描述的顺序来执行相应方法的步骤。在一些其他实施例中，其方法所包括的步骤可以比本说明书所描述的更多或更少。此外，本说明书中所描述的单个步骤，在其他实施例中可能被分解为多个步骤进行描述；而本说明书中所描述的多个步骤，在其他实施例中也可能被合并为单个步骤进行描述。
本说明书所述的用户特征值是指表征用户个体在某指定的业务领域方面的所体现出的能力或程度值，例如用户信用值是用户在金融相关业务领域所体现出的个人守信程度值。随着社会各机构对针对用户个体的信用特征值(表现为各种信用积分、信用分数 等)的参考及应用的范畴逐渐扩展，用户个体在除信用以外的其他方面所体现出的个体特征值也逐渐受到新型商业模式的青睐。例如，用以体现用户身体健康状态程度的健康特征值，可被以用户身体健康作为考量因素的业务机构所应用；用以体现用户智力状态的智商特征值，可被以用户智力高低作为考量因素的业务机构所应用；还有用以体现用户情商或心理健康状态的情商值、心理健康值等用户特征值。
上述用户特征值的获取通常由一个或几个评定机构进行用户特征值打分评定，其评定规则及评定过程通常均不公开，难以保证用户特征值的计算规则的合理性，更难以保证计算过程的公平公正性。
鉴于以上提出的技术现状和问题，图1是本说明书所提供的一实施例所示的基于区块链的用户特征值获取方法的流程示意图，所述区块链包括多个业务行为数据提供方节点设备。
本实施例所述的业务行为数据提供方用于提供用户产生的业务行为数据，从而为计算用户特征值提供计算基础。例如，当用户特征值为用户信用值时，上述业务行为数据提供方可以包括提供用户借贷还贷行为数据的银行或金融机构、提供用户缴费行为数据的业务缴费平台、提供用户消费行为数据的消费平台等等，从而为用户信用值提供计算所基于的业务行为基础；当用户特征值为用户健康积分时，上述业务行为数据提供方可以包括提供用户就医或体检记录的医疗健康机构、提供用户参保的医疗健康相关保险业务行为数据的保险机构、或提供用户理赔行为数据的理赔机构等，甚至还可包括可监测用户健康行为参数如每日步数、跑步公里数的采集设备。
本实施例所述的区块链，具体可指一个各节点通过共识机制达成的、具有分布式数据存储结构的P2P网络系统，该区块链内的数据分布在时间上相连的一个个“区块(block)”之内，后一区块包含前一区块的数据摘要，且根据具体的共识机制(如POW、POS、DPOS或PBFT等)的不同，达成全部或部分节点的数据全备份。本领域的技术人员熟知，由于区块链系统在相应共识机制下运行，已收录至区块链数据库内的数据很难被任意的节点篡改，例如采用Pow共识的区块链，至少需要全网51％算力的攻击才有可能篡改已有数据，因此区块链系统有着其他中心化数据库系统所无法比拟的保证数据安全、防攻击篡改的特性。由此可知，在本说明书所提供的实施例中，被收录至区块链的分布式数据库中的数据不会被攻击或篡改，从而保证了上述业务行为数据提供方提供的业务行为数据不会在提供至区块链的分布式数据库后遭到篡改，进而保证计算用户特征值的公正性。
本实施例所述的业务行为数据提供方节点设备，可通过遵循相应节点协议、运行节点协议程序的安装来加入该区块链，作为该区块链的节点。本领域的技术人员通常将具有区块链分布式数据库的数据全备份的节点设备称为全节点，将具有区块链分布式数据库的部分备份数据(如仅有区块头的数据)的节点设备称为轻节点或客户端等；在本实施例中所述的业务行为数据提供方节点设备可包括上述的全节点、轻节点或客户端，只要直接或间接连入上述区块链、且可发送或获取区块链的分布式数据库的数据的任何设备均可称为本实施例所述的节点设备。
如图1所示，上述基于区块链的用户特征值获取方法应用于上述区块链中的节点设备，包括：
步骤102，获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据。
在本说明书中所描述的交易(transaction)，是指各方用户通过区块链的节点设备端创建，并需要最终发布至区块链的分布式数据库中的一笔数据。其中，区块链中的交易，存在狭义的交易以及广义的交易之分。狭义的交易是指用户向区块链发布的一笔价值转移；例如，在传统的比特币区块链网络中，交易可以是用户在区块链中发起的一笔转账。而广义的交易是指用户向区块链发布的一笔具有业务意图的业务数据；例如，交易可以是用户在区块链中发布的一笔与价值转移无关的、具有业务意图的业务(比如，租房业务、车辆调度业务、保险理赔业务、信用服务、医疗服务等)消息或者业务请求。本实施例所述的目标交易，是指包括目标用户的业务行为数据的一笔业务数据，该笔业务数据可调用相应的智能合约以基于上述目标用户的业务行为数据执行对目标用户的特征值的计算。
上述目标用户的业务行为数据，和用以调用计算用户特征值的智能合约的调用信息数据，可依据预设的交易格式被封装成目标交易，然后上传至区块链。
由于上述目标用户的业务行为数据通常包括目标用户的隐私信息，如健康信息、或财务信息等，为防止目标用户的隐私信息发生意外的泄露或误用，上述预设的交易格式中，可规定将上述目标交易所包含的目标用户的业务行为数据进行加密处理，从而降低了在区块链的分布式数据库上备份的用户业务行为数据的泄露隐患。
在又一示出的实施方式中，为保证上述目标用户产生的业务行为数据是由相应的业务行为数据提供方所提供的，而非其他节点设备恶意伪造或仿冒，在上述预设的交易 格式中，上述目标交易还包括所述业务行为数据提供方节点设备至少基于所述目标用户产生的业务行为数据所作的电子签名。基于对上述电子签名的验签，即可验证上述目标交易的发起方是否为合法的业务行为数据提供方节点设备。
上述实施例所述的将所述目标交易上传到所述区块链的分布式数据库中的详细过程，可依据所述区块链的共识机制及交易规则而具体设定。在一示出的实施例中，将所述目标交易上传到所述区块链的分布式数据库中，包括:
所述区块链中具有记账权限的节点设备将所述目标交易加入到候选区块；
从所述具有记账权限的节点设备中确定满足所述区块链共识机制的共识记账节点设备；
所述共识记账节点向所述区块链的节点设备广播所述候选区块；
在所述候选区块通过所述区块链符合预设数量的节点设备的验证认可后，所述候选区块被视为最新区块，加入到所述区块链的分布式数据库中。
在上述的实施例中，具有记账权限的节点设备是指具有生成候选区块权限的节点设备。根据所述区块链的共识机制，可从所述候选区块具有记账权限的节点设备中确定共识记账节点设备，上述共识机制可以包括工作量证明机制(PoW)、或权利证明机制(PoS)、或股份授权证明机制(DPoS)等。
PoS或DPoS共识机制与PoW类似，均属于公有区块链中确认共识记账节点设备所常选用的共识算法。在又一示出的实施例中，为降低交易或数据的确认时间、提高交易吞吐量、满足对安全和性能的需求，本说明书所提供的实施例还可选用联盟链架构来构建该区块链。上述业务行为数据提供方节点设备及业务相关的监督机构可作为该联盟链的预选的节点设备，参与区块的记账。联盟链的共识过程也由该预选的节点设备控制，当网络上有超过设定比例(如2/3)的节点设备确认一个区块，该区块记录的交易或数据将得到全网确认。
联盟链通常多采用权益证明或PBFT、RAFT等共识算法。在实现时，在区块链的每一轮共识开始之前，可以在区块链中的各节点设备中选举出一台主节点设备，即上述实施例所述的共识记账节点(比如，每一轮共识都重新选举出一主节点设备，其它节点设备作为从节点设备)，由主节点设备进一步向发起交易的验证和共识，并负责基于共识通过的交易数据(或目标数据)为区块链创建最新的区块。
PBFT算法作为本说明书所提供的联盟链的共识算法的一种优选的实施方式，是由 于采用该种算法共识的效率高，可满足高频交易量的需求，例如在本实施例中业务行为数据提供方节点设备基于频繁受理或产生的不同用户的业务行为数据而生成相应的目标交易；且共识的时延很低，基本达到实时处理的要求，能快速实时地在区块链的新生区块中收录上述目标交易；而且，将联盟链网络中可信节点作为预选的记账节点，兼顾了安全性与稳定性；另外，采用PBFT算法不会消耗过多的计算机算力资源，也不一定需要代币流通，因此具有良好的可使用性。
步骤104，调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
智能合约通常是经编译后被部署在区块链上的计算机可执行程序。智能合约在被部署上区块链前需经过区块链节点的共识验证。在本实施例中，声明有对所述用户特征值的计算逻辑的第一智能合约，经过区块链节点的共识验证方可被收录至区块链的分布式数据库，由区块链上的共识节点共同监督验证上述用户特征值的计算获取过程。
区块链的节点设备在获取上述目标交易后，调用目标交易所指向的第一智能合约(基于第一交易包含的智能合约地址及函数接口进行调用)，区块链中的节点设备可基于上述目标交易对该第一智能合约的调用，执行对用户特征值的计算，并生成调用执行的结果，即基于上述目标交易所包含的目标用户的业务行为数据所计算出的目标用户的特征值。本领域的技术人员应知，当上述对第一智能合约调用及执行的结果(即上述目标用户的特征值)经过区块链节点的共识验证后，其执行的结果被收录至区块链的分布式数据库中，以供存证。
本说明书并不限定上述第一智能合约所声明的对用户特征值的具体的计算逻辑，既可以是在获取了目标用户的预设个数或种类的用户业务行为数据(或目标交易)后，再执行对目标用户的特征值的计算；也可以是随着业务行为数据提供方节点设备不断地上传目标交易，不断地获取到的符合预设格式的用户业务行为数据(或目标交易)，从而不断地更新上述目标用户的特征值，即基于STORM的流式计算逻辑；还可以包括其他类型的计算逻辑。
本领域的技术人员可知，上述基于STORM的流式计算逻辑可以准确快速地处理数据信息流，从而为用户特征值的计算提供了高效地解决方式。区块链中任一节点设备可基于上述区块链的共识机制所决定的新区块生成频率，同步新区块而获得上述目标交易。由以上实施例可知，基于联盟链而架构的区块链，通常具有高的交易处理吞吐量和几乎实时的数据上链时效，进一步提高了基于上述目标交易而计算用户特征值的效率。
在又一示出的实施方式中，当目标交易中所包括的目标用户的业务行为数据被加密时，上述第一智能合约还应声明有对所述业务行为数据的解密逻辑，用以解密所述被加密的业务行为数据，从而基于所述业务行为数据的明文计算所述目标用户的特征值。第一智能合约的部署方和相关的业务行为数据提供方可提前约定加密及解密方式，使得业务行为数据提供方节点设备在发送目标交易之前，即可根据约定的加密方式将上述目标用户的业务行为数据加密。
通过区块链的节点设备基于上述目标交易对第一智能合约的调用及执行，即可完成基于上述目标用户的业务行为数据计算获得上述目标用户的特征值。智能合约可在任何时候相应用户的调用请求(无需在传统模式中等候、预约用户特征值评定打分机构的工作时间)，大大提升了用户特征值计算处理的效率。而且，由于智能合约的逻辑条款是经过区块链节点的共识验证、不可篡改的，其执行结果公正可视，避免了传统模式中可能出现的用户特征值计算结果不公正、不准确等弊端，且无需中心化权威监督或仲裁理赔结果的公正性。进一步地，由目标交易对第一智能合约调用而自动执行对用户特征值的计算，大大减少了传统模式下收集目标用户的业务行为数据所需耗费的人力和时间成本，具有非常好的经济性。
相应地，在利用如上述一个或多个实施例所述的获得方法获得到目标用户的特征值后，可基于区块链的分布式数据库上存证的用户特征值展开对该用户特征值的应用。
图2示意了本说明书一实施例提供的基于区块链的用户特征值应用方法的流程示意图，应用于上述基于区块链的用户特征值获取方法实施例所述的区块链系统中，该区块链包括对上述用户特征值的应用方节点设备，用以获取到上述用户特征值后执行对用户特征值的应用逻辑。
类似的，本实施例所述的应用方节点设备，可通过遵循相应节点协议、运行节点协议程序的安装来加入该区块链，作为该区块链的节点。本领域的技术人员通常将具有区块链分布式数据库的数据全备份的节点设备称为全节点，将具有区块链分布式数据库的部分备份数据(如仅有区块头的数据)的节点设备称为轻节点或客户端等；在本实施例中所述的应用方节点设备可包括上述的全节点、轻节点或客户端，只要直接或间接连入上述区块链、且可发送或获取区块链的分布式数据库的数据的任何设备均可称为本实施例所述的节点设备。
本领域的技术人员可知，基于具体的业务开展需求，应用方节点设备与上述业务行为数据提供方节点设备可以是相同的节点设备，也可以是不同的节点设备。
步骤202，所述应用方节点设备从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值。
本领域的技术人员应知，上述第一智能合约经上述目标交易的调用后的执行结果——即目标用户的特征值，会经区块链节点设备的共识验证后被收录于区块链的分布式数据库中。具体的收录过程与上述目标交易被收录于区块链的分布式数据库的过程类似，在对该目标用户的特征值的验证步骤中包括该区块链节点设备对该第一智能合约的调用执行，以验证上述目标用户的特征值是否正确并达成共识，具体过程在此不再赘述。
步骤204，基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
在获取到上述目标用户的特征值后，应用方节点设备可执行对该目标用户的特征值的应用处理逻辑。上述应用处理逻辑可以是部署于应用方节点设备自身的应用处理逻辑程序，也可以是部署在上述区块链的又一智能合约——第二智能合约内的应用处理逻辑程序，在本说明书中不作限定。
值得注意的是，当上述应用处理逻辑时由上述第二智能合约所声明的应用处理逻辑时，上述第一智能合约的逻辑代码中还应包括基于计算所得的用户特征值而调用上述第二智能合约的逻辑代码(如包括第二智能合约的接口和相关函数)。利用第一智能合约的执行结果联动调用第二智能合约，充分利用了智能合约的优势，更加增加了对用户特征值应用的处理效率和公平公正性。
如上所述可知，上述应用处理逻辑是基于多个业务行为数据提供方节点设备提供的用户的业务行为数据而产生的用户特征值而开展的，有效避免了某些业务机构仅仅依靠自身记录的业务行为数据而对用户在该业务行为方面的表现作出评定偏差，有效避免了业务壁垒的产生。上述应用处理逻辑可以包括利用用户信用特征值审批贷款额度或贷款利率、或利用用户信用特征值决策具体业务押金额度、或利用用户健康特征值设计用户投保保费额度或其他投保方案，等等，随着用户特征值范畴的逐渐扩展，对用户特征值的应用的模式和内容也会越来越广泛，在本说明书中不作限定。
以下，以表征用户的身体健康状态的用户健康积分为例，阐述本说明书提供的对用户特征值的获取及应用方法。上述用户特征值可具体的表现为用户健康积分或用户健康信用值等等。
如图3所示，本实施例所述的业务行为数据提供方节点设备包括：医疗健康服务 方设备——如医院或健康服务机构的设备终端，保险服务方设备——如保险服务平台或保险公司的设备终端，理赔服务方设备——如保险公司的设备终端，和用户健康行为参数采集设备——如用以监测用户步行或跑步行程或速度的可穿戴装置设备中的一种或多种；所述对用户特征值的应用方节点设备可包括保险服务方设备——如保险公司的设备终端。
相应地，上述各业务行为数据提供方节点设备可提供的业务行为数据可以包括：目标用户的就医或健康咨询记录、身体检查报告，目标用户所投保的保单记录，目标用户的保险理赔记录，目标用户的每日运动数据等。上述各业务行为数据提供方节点设备将目标用户在本机构产生的业务行为数据发送至区块链上进行存证且调用部署在上述区块链上的健康服务智能合约，以执行所述健康服务智能合约声明的对用户健康积分的计算逻辑。
具体的，上述各个业务行为数据提供方节点设备可与上述健康服务智能合约的部署方预先约定上述健康服务智能合约处理的业务行为数据的数据内容格式及执行的API函数，以方便对智能合约的调用。
上述健康服务智能合约可被上述各个业务行为数据提供方节点设备发送的目标交易调用执行，且经过符合该区块链的共识机制的共识和符合该区块链对智能合约执行结果的验证规则的验证后，上述目标用户的健康积分即可被备份于该区块链的分布式数据库中。
由于目标用户的业务行为数据可以连续地或间或性的生成，例如目标用户可以间或性产生就医记录、理赔记录，也可以周期性的产生每日运动信息，因此上述健康服务智能合约中所部署的对用户健康积分的计算逻辑可以被部署为基于STROM的流式计算逻辑，从而可快捷地处理流式的业务行为数据，并在区块链的分布式数据库中不断地产生目标用户的新的健康积分。
本实施例所述的对用户特征值的应用方节点设备可包括保险服务方设备——如保险公司的设备终端；应用方节点设备所执行的对用户特征值的应用处理逻辑可包括对目标用户的健康积分的获取查询，或基于目标用户的健康积分进行目标用户的保险方案的制定(包括保险保费的定制化)、等等。
目前保险行业各个公司维护自己的保单，导致客户的保单在每家保险公司形成信息孤岛，保险公司在评估客户风险以及健康情况时，存在很大的保障风险。本说明书提 供的技术方案，通过利用区块链的可信性、不可篡改性、公开性可以极大的解决了保险公司之间的信息壁垒问题，通过计算用户的健康积分为保险行业提供一个客户的保障健康征信体系，在保障客户隐私的前提下实现保障信息的公开透明。
与上述流程实现对应，本说明书的实施例还提供了基于区块链的用户特征值获得装置40和基于区块链的用户特征值应用装置50。该装置40或50可以通过软件实现，也可以通过硬件或者软硬件结合的方式实现。以软件实现为例，作为逻辑意义上的装置，是通过所在设备的CPU(Central Process Unit，中央处理器)将对应的计算机程序指令读取到内存中运行形成的。从硬件层面而言，除了图6所示的CPU、内存以及存储器之外，网络风险业务的实现装置所在的设备通常还包括用于进行无线信号收发的芯片等其他硬件，和/或用于实现网络通信功能的板卡等其他硬件。
图4所示为一种基于区块链的用户特征值获得装置40，所述区块链包括多个业务行为数据提供方节点设备，所述装置40包括：
获取单元402，用于获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据；
执行单元404，用于调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
在又一示出的实施方式中，所述第一智能合约声明的对用户特征值的计算逻辑是基于STORM的流式计算逻辑。
在又一示出的实施方式中，所述目标交易中包括的目标用户产生的业务行为数据被加密；
所述第一智能合约还声明有对所述业务行为数据的解密逻辑，用以解密所述被加密的业务行为数据，从而基于所述业务行为数据计算所述目标用户的特征值。
在又一示出的实施方式中，所述目标交易还包括所述业务行为数据提供方节点设备至少基于所述目标用户产生的业务行为数据所作的电子签名。
在又一示出的实施方式中，所述用户特征值为用户健康积分，用以表征用户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备、或用户健康行为参数采集设备中的一种或多种。
在又一示出的实施方式中，所述区块链为联盟链。
图5所示为一种基于区块链的用户特征值应用装置50，应用于如权利要求1所述的区块链所包括的应用方节点设备，所述装置50包括：
获取单元502，用于从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值；
执行单元504，用于基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
在又一示出的实施方式中，所述执行单元进一步用于：
调用用于应用处理所述用户特征值的第二智能合约，执行所述第二智能合约声明的对所述目标用户的特征值的应用处理逻辑。
在又一示出的实施方式中，所述用户特征值为用户健康积分，用以表征用户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备、或用户健康行为参数采集设备中的一种或多种；所述对用户特征值的应用方节点设备包括保险服务方设备；
所述执行单元进一步用于：基于所述目标用户的用户健康积分，执行针对所述目标用户的保险方案制定。
上述装置40及50中各个单元的功能和作用的实现过程具体详见上述方法中对应步骤的实现过程，相关之处参见方法实施例的部分说明即可，在此不再赘述。
以上所描述的装置实施例仅仅是示意性的，其中所述作为分离部件说明的单元可以是或者也可以不是物理上分开的，作为单元显示的部件可以是或者也可以不是物理模块，即可以位于一个地方，或者也可以分布到多个网络模块上。可以根据实际的需要选择其中的部分或者全部单元或模块来实现本说明书方案的目的。本领域普通技术人员在不付出创造性劳动的情况下，即可以理解并实施。
上述实施例阐明的装置、单元、模块，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机，计算机的具体形式可以是个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件收发设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任意几种设备的组合。
与上述方法实施例相对应，本说明书的实施例还提供了一种计算机设备，如图6 所示，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中基于区块链的用户特征值获得方法的各个步骤。对基于区块链的用户特征值获得方法的各个步骤的详细描述请参见之前的内容，不再重复。
与上述方法实施例相对应，本说明书的实施例还提供了一种计算机设备，如图6所示，该计算机设备包括存储器和处理器。其中，存储器上存储有能够由处理器运行的计算机程序；处理器在运行存储的计算机程序时，执行本说明书实施例中基于区块链的用户特征值应用方法的各个步骤。对基于区块链的用户特征值应用方法的各个步骤的详细描述请参见之前的内容，不再重复。
以上所述仅为本说明书的较佳实施例而已，并不用以限制本说明书，凡在本说明书的精神和原则之内，所做的任何修改、等同替换、改进等，均应包含在本说明书保护的范围之内。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。
计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素， 而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本领域技术人员应明白，本说明书的实施例可提供为方法、系统或计算机程序产品。因此，本说明书的实施例可采用完全硬件实施例、完全软件实施例或结合软件和硬件方面的实施例的形式。而且，本说明书的实施例可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。

Claims (20)

  1. 一种基于区块链的用户特征值获取方法，所述区块链包括多个业务行为数据提供方节点设备，所述方法包括：
    获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据；
    调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
  2. 根据权利要求1所述的方法，所述第一智能合约声明的对用户特征值的计算逻辑是基于STORM的流式计算逻辑。
  3. 根据权利要求1或2所述的方法，所述目标交易中包括的目标用户产生的业务行为数据被加密；
    所述第一智能合约还声明有对所述业务行为数据的解密逻辑，用以解密所述被加密的业务行为数据，从而基于所述业务行为数据计算所述目标用户的特征值。
  4. 根据权利要求1或2所述的方法，所述目标交易还包括所述业务行为数据提供方节点设备至少基于所述目标用户产生的业务行为数据所作的电子签名。
  5. 根据权利要求1所述的方法，所述用户特征值为用户健康积分，用以表征用户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备、或用户健康行为参数采集设备中的一种或多种。
  6. 根据权利要求1所述的方法，所述区块链为联盟链。
  7. 一种基于如权利要求1所述的用户特征值的应用方法，应用于如权利要求1所述的区块链所包括的应用方节点设备，所述方法包括：
    所述应用方节点设备从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值；
    基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
  8. 根据权利要求7所述的方法，所述基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑，包括：
    调用第二智能合约，执行所述第二智能合约声明的对所述目标用户的特征值的应用处理逻辑。
  9. 根据权利要求7所述的方法，所述用户特征值为用户健康积分，用以表征用户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备或用户健康行为参数采集设备中的一种或多种；所述 对用户特征值的应用方节点设备包括保险服务方设备；
    所述基于所述目标用户的特征值，执行用户特征值的应用处理逻辑，包括：基于所述目标用户的用户健康积分，执行针对所述目标用户的保险方案制定。
  10. 一种基于区块链的用户特征值获取装置，所述区块链包括多个业务行为数据提供方节点设备，所述装置包括：
    获取单元，用于获取业务行为数据提供方节点设备发送的目标交易，所述目标交易包括目标用户产生的业务行为数据；
    执行单元，用于调用第一智能合约，执行所述第一智能合约声明的对用户特征值的计算逻辑，基于所述目标用户产生的业务行为数据计算获得所述目标用户的特征值。
  11. 根据权利要求10所述的装置，所述第一智能合约声明的对用户特征值的计算逻辑是基于STORM的流式计算逻辑。
  12. 根据权利要求10或11所述的装置，所述目标交易中包括的目标用户产生的业务行为数据被加密；
    所述第一智能合约还声明有对所述业务行为数据的解密逻辑，用以解密所述被加密的业务行为数据，从而基于所述业务行为数据计算所述目标用户的特征值。
  13. 根据权利要求10或11所述的装置，所述目标交易还包括所述业务行为数据提供方节点设备至少基于所述目标用户产生的业务行为数据所作的电子签名。
  14. 根据权利要求10所述的装置，所述用户特征值为用户健康积分，用以表征用户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备、或用户健康行为参数采集设备中的一种或多种。
  15. 根据权利要求10所述的装置，所述区块链为联盟链。
  16. 一种基于如权利要求1所述的用户特征值的应用装置，应用于如权利要求1所述的区块链所包括的应用方节点设备，所述装置包括：
    获取单元，用于从所述区块链的分布式数据库上获取所述第一智能合约计算所得的所述目标用户的特征值；
    执行单元，用于基于所述目标用户的特征值，执行对所述目标用户的特征值的应用处理逻辑。
  17. 根据权利要求16所述的装置，所述执行单元进一步用于：
    调用第二智能合约，执行所述第二智能合约声明的对所述目标用户的特征值的应用处理逻辑。
  18. 根据权利要求16所述的装置，所述用户特征值为用户健康积分，用以表征用 户的身体健康状态；所述业务行为数据提供方节点设备包括：医疗健康服务方设备、或保险服务方设备、或理赔服务方设备或用户健康行为参数采集设备中的一种或多种；所述对用户特征值的应用方节点设备包括保险服务方设备；
    所述执行单元进一步用于：基于所述目标用户的用户健康积分，执行针对所述目标用户的保险方案制定。
  19. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由所述处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求1到6任意一项所述的方法。
  20. 一种计算机设备，包括：存储器和处理器；所述存储器上存储有可由所述处理器运行的计算机程序；所述处理器运行所述计算机程序时，执行如权利要求7到9任意一项所述的方法。
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