CN107657509B - Credit investigation method and device based on block chain - Google Patents
Credit investigation method and device based on block chain Download PDFInfo
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Abstract
The invention is applicable to the technical field of communication, and provides a block chain-based credit investigation method and device. The method comprises the following steps: acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode; and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode. The method and the device have the advantages that the service data required by credit investigation are obtained, the service data are analyzed by adopting the preset model to obtain the analysis result, and the analysis result is stored in a block chain mode, so that the analysis result has reliability, and the reliability of the credit investigation data of users such as logistics enterprises or drivers is ensured.
Description
Technical Field
The invention belongs to the technical field of communication, and particularly relates to a block chain-based credit investigation method and device.
Background
Credit investigation is an activity of establishing a credit file for an individual or an enterprise by a specialized and independent third-party organization, collecting and objectively recording credit information thereof by law, and providing credit information service to the outside by law, and provides a credit information sharing platform for the specialized credit granting organization.
With the development of science and technology, the proportion of the logistics supply chain industry in the current society is larger and larger, however, with the rapid development of the logistics industry, data provided by the existing logistics enterprises can be tampered due to centralization, and the more tampered operation is not disclosed, namely, cannot be traced, so that the data source on which credit is requested is unreliable, and the credit requesting for the logistics enterprises or drivers and the like is not reliable.
Disclosure of Invention
In view of this, embodiments of the present invention provide a credit investigation method and apparatus based on a block chain, so as to solve the problem that the credit investigation method based on the block chain in the prior art does not have reliability for credit investigation of a logistics enterprise or a driver.
A first aspect of an embodiment of the present invention provides a method for credit investigation based on a block chain, including:
acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode;
and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
A second aspect of the embodiments of the present invention provides a credit investigation device based on a block chain, including:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring service data required by credit investigation, and the service data is stored in a block chain mode;
and the analysis unit is used for analyzing the service data by adopting a preset model to obtain an analysis result and storing the analysis result in a block chain mode.
A third aspect of the embodiments of the present invention provides a block chain-based credit investigation device, including a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor implements the following steps when executing the computer program:
acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode;
and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
A fourth aspect of embodiments of the present invention provides a computer-readable storage medium storing a computer program, wherein the computer program, when executed by a processor, implements the steps of:
acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode;
and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
In the embodiment of the invention, the business data required by credit investigation is acquired, the business data is analyzed by adopting the preset model to obtain the analysis result, and the analysis result is stored in a block chain manner, so that the analysis result has reliability, and the reliability of credit investigation data of users such as logistics enterprises or drivers is ensured.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the drawings needed to be used in the embodiments or the prior art descriptions will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without inventive exercise.
Fig. 1 is a schematic flow chart illustrating an implementation of a block chain-based credit investigation method according to an embodiment of the present invention;
fig. 2 is a schematic flow chart illustrating an implementation of a block chain-based credit investigation method according to a second embodiment of the present invention;
fig. 3 is a schematic flow chart illustrating an implementation of a block chain-based credit investigation method according to a third embodiment of the present invention;
fig. 4 is a block diagram of a block chain-based credit investigation apparatus according to a fourth embodiment of the present invention;
fig. 5 is a schematic diagram of a block chain-based credit investigation apparatus according to a fifth embodiment of the present invention.
Detailed Description
In the following description, for purposes of explanation and not limitation, specific details are set forth, such as particular system structures, techniques, etc. in order to provide a thorough understanding of the embodiments of the invention. It will be apparent, however, to one skilled in the art that the present invention may be practiced in other embodiments that depart from these specific details. In other instances, detailed descriptions of well-known systems, devices, circuits, and methods are omitted so as not to obscure the description of the present invention with unnecessary detail.
It will be understood that the terms "comprises" and/or "comprising," when used in this specification and the appended claims, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof.
It is also to be understood that the terminology used in the description of the invention herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in the specification of the present invention and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise.
It should be further understood that the term "and/or" as used in this specification and the appended claims refers to and includes any and all possible combinations of one or more of the associated listed items.
As used in this specification and the appended claims, the term "if" may be interpreted contextually as "when … …" or "upon" or "in response to a determination" or "in response to a detection". Similarly, the phrase "if it is determined" or "if a [ described condition or event ] is detected" may be interpreted contextually to mean "upon determining" or "in response to determining" or "upon detecting [ described condition or event ]" or "in response to detecting [ described condition or event ]".
In order to explain the technical means of the present invention, the following description will be given by way of specific examples.
Example one
Fig. 1 shows a schematic flow chart of an implementation of a block chain-based credit investigation method according to an embodiment of the present invention. As shown in fig. 1, the block chain-based credit investigation method specifically includes the following steps S101 to S102.
Step S101: and acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode.
Credit investigation, i.e. obtaining the credit score (credit index) of a certain user. Wherein, mainly carry out the credit investigation to owner's enterprise, commodity circulation enterprise and driver.
As shown in table 1 below, the data for the shipper enterprise is mainly as follows: employee number, registration fund amount, logistics goods value, logistics transaction amount, logistics shipment frequency, upstream customer rating, downstream customer rating, upstream settlement period, downstream settlement period, and customer number. The data for logistics enterprises are mainly as follows: the system comprises a transport service quality evaluation, staff quantity, logistics transaction amount, transport vehicle fixed asset amount, warehouse and equipment fixed asset amount, a delivery client evaluation, a receiving client evaluation, an upstream settlement period, a downstream settlement period and client quantity. The data for the driver is mainly as follows: the rate of delivery punctuality, the volume of the delivery transaction, the rate of delivery loss, the rate of delivery difference, the rating of the delivering customer, the rating of the receiving customer, the mileage of the delivery, the rate of attendance and the rate of vehicle failure.
TABLE 1
Preferably, the acquiring service data required for credit investigation includes:
based on a distributed data interface, acquiring service data required by credit investigation in a hypertext transfer protocol Http request, a file transfer protocol ftp uploading, a message queue MQ uploading, file sharing and/or database direct connection mode.
Wherein the traffic data comprises at least one of: enterprise information, driver information, vehicle information, transportation operation information, transportation execution process information, transportation settlement process information, and vehicle GPS positioning information.
Step S102: and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
Preferably, the preset models include a cargo volume model, a fund settlement speed model, a carrier traffic volume model, a fund flow model, a driver transportation plan compliance model, a driver traffic volume model, a vehicle attendance volume model and a vehicle operating condition model.
The service data is analyzed by using the models to obtain an analysis result, and the analysis result is stored in a block chain mode, wherein the analysis result can be a credit score (index) of a user.
For example, to credit a logistics enterprise, according to the data of the logistics enterprise: the system comprises a transport service quality evaluation, staff quantity, logistics transaction amount, transport vehicle fixed asset amount, warehouse and equipment fixed asset amount, a delivery client evaluation, a receiving client evaluation, an upstream settlement period, a downstream settlement period and client quantity. And correspondingly inputting the data into the goods owner goods quantity model and the fund settlement speed model, calculating the carrier service quantity model and the fund flow model to respectively obtain the calculation result of each model, giving corresponding weight to the calculation result of each model for recalculation, and finally obtaining the credit score or credit index of the logistics enterprise.
Optionally, the method further comprises:
receiving a data query request of a user, and feeding back queried data to the user in a plurality of formats, wherein the plurality of formats comprise: web page reports, web page downloads, text returned in hypertext protocol, returned in file transfer protocol, and/or returned in message queues.
In the embodiment of the invention, the business data required by credit investigation is acquired, the business data is analyzed by adopting the preset model to obtain the analysis result, and the analysis result is stored in a block chain manner, so that the analysis result has reliability, and the reliability of credit investigation data of users such as logistics enterprises or drivers is ensured.
Example two
Fig. 2 is a schematic flow chart illustrating an implementation of the block chain-based credit investigation method according to the second embodiment of the present invention. As shown the method may comprise the steps of:
step S201: and acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode.
The step is the same as step S101, and reference may be made to the related description of step S101, which is not repeated herein.
Step S202: and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
The step is the same as step S102, and reference may be made to the related description of step S102, which is not repeated herein.
Step S203: when data correction request information sent by a user is received, an operation interface is displayed, so that the user can correct original service data corresponding to the data correction request information through the operation interface, first electronic signatures of a plurality of participants are added after the original service data are corrected by the user, and the first electronic signature information, the corrected service data and the original service data are synchronously stored in a block chain mode.
The data correction request information is sent by the user, the user can log in a credit investigation system based on a block chain and submit a data correction request, or the data correction request can be sent by other feasible methods. When a server receives data correction request information sent by a user, an operation interface is displayed, the user carries out correction operation on original service data corresponding to the data correction request information through the operation interface, and the original service data comprises at least one of the following items: enterprise information, driver information, vehicle information, transportation operation information, transportation execution process information, transportation settlement process information, and vehicle GPS positioning information. For example, if the user finds that the vehicle GPS positioning information has a deviation, the vehicle GPS positioning information having the deviation can be corrected by submitting a data correction request, thereby ensuring the accuracy of the data service. In order to reserve the current correction event and related data of the user and facilitate subsequent tracing and/or query, after the user corrects the original service data, adding first electronic signatures of a plurality of participants, and synchronously storing first electronic signature information, the corrected service data and the original service data in a block chain manner.
Optionally, after the user corrects the original service data, the multiple participants check the corrected service data to determine whether the corrected service data meets a preset standard, if so, the check is passed, and if not, the participant returns to the user to allow the user to continue to modify until the check is passed. And storing the event information passing the audit in a block chain mode.
In the embodiment of the invention, an operation interface is displayed when data correction request information sent by a user is received, so that the user can correct original data with errors or errors through the operation interface, first electronic signatures of a plurality of participants are added, and the first electronic signature information, the corrected service data and the original service data are synchronously stored in a block chain manner, so that the accuracy of the service data is ensured, and the subsequent tracing and/or searching are facilitated in the block chain manner.
EXAMPLE III
Fig. 3 is a schematic flow chart illustrating an implementation of a block chain-based credit investigation method according to a third embodiment of the present invention. On the basis of the first embodiment, the analysis result includes the credit rating information of the user, and as shown in the figure, the method may include the following steps:
step S301: and acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode.
The step is the same as step S101, and reference may be made to the related description of step S101, which is not repeated herein.
Step S302: and analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode.
The step is the same as step S102, and reference may be made to the related description of step S102, which is not repeated herein.
Step S303: when complaint request information which is sent by a user and carries right-keeping certification information is received, the complaint request information is synchronously given to a participant related to the complaint request information, whether the complaint request passes or not is determined according to the voting result of the participant, if yes, the credit level of the user is adjusted based on the right-keeping certification information, and the adjusted credit level information, event information that the complaint request passes and second electronic signature information of the participant are synchronously stored in a block chain mode.
Wherein the analysis result comprises credit rating information of the user; the complaint request information carrying the right-maintaining certification information may be that the user logs in a block chain-based credit investigation system and submits a data correction request, or that the data correction request is sent in other feasible manners. When a server receives complaint request information which is sent by a user and carries right-of-maintenance certification information, the complaint request information is synchronized with a participant related to the complaint request information. The relevant party may be a vehicle-less carrier, which is a road freight operator who signs a transport contract with a shipper for the identity of the carrier, assumes the carrier's responsibility and obligation, and completes the transport task by entrusting the actual carrier.
And determining whether the complaint request passes according to the voting result of the participant, if so, adjusting the credit level of the user based on the right-maintaining certification information, generally, adjusting the credit level of the user to be promoted. And synchronously storing the adjusted credit level information, the event information passed by the complaint request and the second electronic signature information of the participants in a block chain mode.
In the embodiment of the invention, the complaint request information which is sent by a user and carries the right-maintaining certification information is received, the complaint request information is synchronously given to the participants related to the complaint request information, whether the complaint request passes or not is determined according to the voting result, if the complaint request passes, the credit level of the user is adjusted, and the complaint request information is synchronously stored in a block chain manner, so that the credit of the user is flexibly and reliably adjusted in time, the complaint request information is synchronously given to the participants related to the complaint request information, the objectivity of the adjustment result is ensured in a public manner that the participants carry out voting audit, and the complaint request information is synchronously stored in the block chain manner, so that the subsequent tracing and/or searching are facilitated.
Example four
Please refer to fig. 4, which shows a block diagram of a block chain-based credit investigation apparatus according to a fourth embodiment of the present invention. The block chain-based credit investigation apparatus 40 includes: an acquisition unit 41 and an analysis unit 42. The specific functions of each unit are as follows:
an obtaining unit 41, configured to obtain service data required for credit investigation, where the service data is stored in a block chain manner;
and the analysis unit 42 is configured to analyze the service data by using a preset model, obtain an analysis result, and store the analysis result in a block chain manner.
Optionally, the obtaining unit 41 includes:
the acquisition subunit is used for acquiring the service data required by credit investigation in a hypertext transfer protocol Http request, a file transfer protocol ftp uploading, a message queue MQ uploading, a file sharing mode and/or a database direct connection mode based on the distributed data interface.
Wherein the traffic data comprises at least one of: enterprise information, driver information, vehicle information, transportation operation information, transportation execution process information, transportation settlement process information, and vehicle GPS positioning information.
Optionally, the block chain-based credit investigation device 40 further includes:
the correction unit is used for displaying an operation interface when receiving data correction request information sent by a user, so that the user can conveniently carry out correction operation on original service data corresponding to the data correction request information through the operation interface, after the user corrects the original service data, first electronic signatures of a plurality of parties are added, and the first electronic signature information, the corrected service data and the original service data are synchronously stored in a block chain mode.
Optionally, the analysis result includes credit rating information of the user, and the block chain-based credit investigation device 40 further includes:
the adjustment unit is used for synchronizing the complaint request information with a participant related to the complaint request information when receiving complaint request information which is sent by a user and carries right-of-maintenance certification information, determining whether the complaint request passes according to the voting result of the participant, adjusting the credit level of the user based on the right-of-maintenance certification information if the complaint request passes, and synchronously storing the adjusted credit level information, event information of the complaint request passing and second electronic signature information of the participant in a block chain manner.
Optionally, the block chain-based credit investigation device 40 further includes: receiving a data query request of a user, and feeding back queried data to the user in a plurality of formats, wherein the plurality of formats comprise: web page reports, web page downloads, text returned in hypertext protocol, returned in file transfer protocol, and/or returned in message queues.
Optionally, the preset models include a cargo volume model, a fund settlement speed model, a carrier traffic volume model, a fund flow model, a driver transportation plan compliance model, a driver traffic volume model, a vehicle attendance volume model and a vehicle operating condition model.
According to the credit investigation device based on the block chain, provided by the embodiment of the invention, the business data required by credit investigation is obtained, the business data is analyzed by adopting the preset model, the analysis result is obtained, and the analysis result is stored in the block chain mode, so that the analysis result has reliability, and the reliability of the credit investigation data of users such as logistics enterprises or drivers is ensured.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by its function and inherent logic, and should not constitute any limitation to the implementation process of the embodiments of the present invention.
EXAMPLE five
Fig. 5 is a schematic diagram of a block chain-based credit investigation apparatus according to five embodiments of the present invention. As shown in fig. 5, the block chain-based credit investigation device 5 of this embodiment includes: a processor 50, a memory 51 and a computer program 52, such as a block chain based credit investigation method program, stored in said memory 51 and executable on said processor 50. The processor 50 executes the computer program 52 to implement the steps in the above-mentioned various block chain-based credit investigation method embodiments, such as the steps S101 to S102 shown in fig. 1. Alternatively, the processor 50, when executing the computer program 52, implements the functions of the modules in the above-described device embodiments, such as the functions of the modules 41 to 42 shown in fig. 4.
Illustratively, the computer program 52 may be partitioned into one or more modules/units that are stored in the memory 51 and executed by the processor 50 to implement the present invention. The one or more modules/units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 52 in the block chain based credit arrangement 5. For example, the computer program 52 may be divided into an acquisition unit and an analysis unit, the specific functions of each unit being as follows:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring service data required by credit investigation, and the service data is stored in a block chain mode;
and the analysis unit is used for analyzing the service data by adopting a preset model to obtain an analysis result and storing the analysis result in a block chain mode.
The block chain-based credit investigation device 5 may be a desktop computer, a notebook, a palm computer, a cloud server, or other computing devices. The block chain based credit investigation device may include, but is not limited to, a processor 50, a memory 51. It will be understood by those skilled in the art that fig. 5 is only an example of a block chain based credit investigation apparatus, and does not constitute a limitation of the block chain based credit investigation apparatus, and may include more or less components than those shown, or combine some components, or different components, for example, the block chain based credit investigation apparatus may further include an input and output device, a network access device, a bus, etc.
The Processor 50 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic, discrete hardware components, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The storage 51 may be an internal storage unit of the block chain based credit investigation device 5, such as a hard disk or a memory of the block chain based credit investigation device 5. The memory 51 may also be an external storage device of the block chain-based credit investigation apparatus 5, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card), and the like, which are equipped on the block chain-based credit investigation apparatus 5. Further, the memory 51 may also include both an internal storage unit and an external storage device of the block chain based credit investigation apparatus 5. The memory 51 is used for storing the computer program and other programs and data required by the block chain based credit investigation device. The memory 51 may also be used to temporarily store data that has been output or is to be output.
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions. Each functional unit and module in the embodiments may be integrated in one processing unit, or each unit may exist alone physically, or two or more units are integrated in one unit, and the integrated unit may be implemented in a form of hardware, or in a form of software functional unit. In addition, specific names of the functional units and modules are only for convenience of distinguishing from each other, and are not used for limiting the protection scope of the present application. The specific working processes of the units and modules in the system may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
In the embodiments provided in the present invention, it should be understood that the disclosed apparatus/terminal device and method may be implemented in other ways. For example, the above-described embodiments of the apparatus/terminal device are merely illustrative, and for example, the division of the modules or units is only one logical division, and there may be other divisions when actually implemented, for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.
The integrated modules/units, if implemented in the form of software functional units and sold or used as separate products, may be stored in a computer readable storage medium. Based on such understanding, all or part of the flow of the method according to the embodiments of the present invention may also be implemented by a computer program, which may be stored in a computer-readable storage medium, and when the computer program is executed by a processor, the steps of the method embodiments may be implemented. Wherein the computer program comprises computer program code, which may be in the form of source code, object code, an executable file or some intermediate form, etc. The computer-readable medium may include: any entity or device capable of carrying the computer program code, recording medium, usb disk, removable hard disk, magnetic disk, optical disk, computer Memory, Read-Only Memory (ROM), Random Access Memory (RAM), electrical carrier wave signals, telecommunications signals, software distribution medium, and the like. It should be noted that the computer readable medium may contain content that is subject to appropriate increase or decrease as required by legislation and patent practice in jurisdictions, for example, in some jurisdictions, computer readable media does not include electrical carrier signals and telecommunications signals as is required by legislation and patent practice.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it will be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (7)
1. A block chain-based credit investigation method is characterized by comprising the following steps:
acquiring service data required by credit investigation, wherein the service data is stored in a block chain mode;
analyzing the service data by adopting a preset model to obtain an analysis result, and storing the analysis result in a block chain mode; when the business data is business data of a logistics enterprise, inputting the business data of the logistics enterprise into at least 2 preset models to respectively obtain a calculation result of each model, endowing the calculation result of each model with corresponding weight for recalculation, and finally obtaining an analysis result of the logistics enterprise;
after acquiring the service data required by credit investigation, the method further comprises the following steps:
when data correction request information sent by a user is received, displaying an operation interface so that the user can correct original service data corresponding to the data correction request information through the operation interface, adding first electronic signatures of a plurality of participants after the user corrects the original service data, and synchronously storing the first electronic signature information, the corrected service data and the original service data in a block chain mode;
the analysis result comprises credit grade information of the user;
after obtaining the analysis result, the method further comprises:
when complaint request information which is sent by a user and carries right maintenance certification information is received, the complaint request information is synchronously given to participants related to the complaint request information, whether the complaint request passes or not is determined according to voting results of the participants, if yes, the credit level of the user is adjusted based on the right maintenance certification information, and the adjusted credit level information, event information that the complaint request passes and second electronic signature information of the participants are synchronously stored in a block chain mode, wherein the participants comprise vehicle-free carriers;
wherein the traffic data comprises at least one of: enterprise information, driver information, vehicle information, transportation operation information, transportation execution process information, transportation settlement process information and vehicle GPS positioning information;
the business data of the logistics enterprise comprises at least one of the evaluation of transportation service quality, the number of employees, the logistics transaction amount, the fixed asset amount of transportation vehicles, the fixed asset amount of warehouses and equipment, the evaluation of delivery clients, the evaluation of receiving clients, an upstream settlement period, a downstream settlement period and the number of clients;
the business data of the goods owner enterprise comprises at least one of staff number, registered fund amount, logistics goods value, logistics transaction amount, logistics delivery frequency, upstream customer evaluation, downstream customer evaluation, upstream settlement period, downstream settlement period and customer number;
the driver's business data comprises at least one of a transportation punctuality rate, a transportation order quantity, a transportation transaction amount, a transportation freight loss rate, a transportation freight rate, a delivery customer evaluation, a receiving customer evaluation, a transportation mileage, an attendance rate and a vehicle failure rate;
the preset models comprise a cargo owner cargo volume model, a fund settlement speed model, a carrier business volume model, a fund flow model, a driver transportation plan compliance model, a driver business volume model, a vehicle attendance volume model and a vehicle running condition model.
2. The method for credit investigation based on block chain according to claim 1, wherein the obtaining the service data required for credit investigation comprises:
based on a distributed data interface, acquiring service data required by credit investigation in a hypertext transfer protocol Http request, a file transfer protocol ftp uploading, a message queue MQ uploading, file sharing and/or database direct connection mode.
3. The block chain based credit investigation method of claim 1, further comprising:
receiving a data query request of a user, and feeding back queried data to the user in a plurality of formats, wherein the plurality of formats comprise: web page reports, web page downloads, text returned in hypertext protocol, returned in file transfer protocol, and/or returned in message queues.
4. A block chain-based credit investigation apparatus, comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring service data required by credit investigation, and the service data is stored in a block chain mode;
the analysis unit is used for analyzing the service data by adopting a preset model to obtain an analysis result and storing the analysis result in a block chain mode; when the business data is business data of a logistics enterprise, inputting the business data of the logistics enterprise into at least 2 preset models to respectively obtain a calculation result of each model, endowing the calculation result of each model with corresponding weight for recalculation, and finally obtaining an analysis result of the logistics enterprise;
the correction unit is used for displaying an operation interface when receiving data correction request information sent by a user, so that the user can conveniently carry out correction operation on original service data corresponding to the data correction request information through the operation interface, and after the user corrects the original service data, first electronic signatures of a plurality of participants are added, and the first electronic signature information, the corrected service data and the original service data are synchronously stored in a block chain mode;
the analysis result comprises credit grade information of the user;
the system comprises an adjusting unit, a monitoring unit and a processing unit, wherein the adjusting unit is used for synchronizing the complaint request information with a participant related to the complaint request information when receiving complaint request information which is sent by a user and carries right-of-maintenance certification information, determining whether the complaint request passes according to the voting result of the participant, adjusting the credit level of the user based on the right-of-maintenance certification information if the complaint request passes, and synchronously storing the adjusted credit level information, event information of passing the complaint request and second electronic signature information of the participant in a block chain manner, wherein the participant comprises a vehicle-free carrier;
wherein the traffic data comprises at least one of: enterprise information, driver information, vehicle information, transportation operation information, transportation execution process information, transportation settlement process information and vehicle GPS positioning information;
the business data of the logistics enterprise comprises at least one of the evaluation of transportation service quality, the number of employees, the logistics transaction amount, the fixed asset amount of transportation vehicles, the fixed asset amount of warehouses and equipment, the evaluation of delivery clients, the evaluation of receiving clients, an upstream settlement period, a downstream settlement period and the number of clients;
the business data of the goods owner enterprise comprises at least one of staff number, registered fund amount, logistics goods value, logistics transaction amount, logistics delivery frequency, upstream customer evaluation, downstream customer evaluation, upstream settlement period, downstream settlement period and customer number;
the driver's business data comprises at least one of a transportation punctuality rate, a transportation order quantity, a transportation transaction amount, a transportation freight loss rate, a transportation freight rate, a delivery customer evaluation, a receiving customer evaluation, a transportation mileage, an attendance rate and a vehicle failure rate;
the preset models comprise a cargo owner cargo volume model, a fund settlement speed model, a carrier business volume model, a fund flow model, a driver transportation plan compliance model, a driver business volume model, a vehicle attendance volume model and a vehicle running condition model.
5. The block chain based credit investigation device of claim 4, wherein the obtaining unit comprises:
the acquisition subunit is used for acquiring the service data required by credit investigation in a hypertext transfer protocol Http request, a file transfer protocol ftp uploading, a message queue MQ uploading, a file sharing mode and/or a database direct connection mode based on the distributed data interface.
6. A block chain based credit investigation apparatus comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that the processor implements the steps of the method according to any of the claims 1 to 3 when executing the computer program.
7. A computer-readable storage medium, in which a computer program is stored which, when being executed by a processor, carries out the steps of the method according to any one of claims 1 to 3.
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| CN201710846572.5A CN107657509B (en) | 2017-09-19 | 2017-09-19 | Credit investigation method and device based on block chain |
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