Blockchain-based service processing methods and apparatuses

Patent metadata

Field	Value
Publication number	US-11205223-B2
Application number	US-202117362880-A
Country	US
Kind code	B2
Filing date	Jun 29, 2021
Priority date	Sep 21, 2020
Publication date	Dec 21, 2021
Grant date	Dec 21, 2021

Abstract

Disclosed herein are systems, methods, and media for processing and updating risk assessment information of a user. One of the methods here comprise: obtaining risk assessment information and digital identity of the user; creating a first verifiable claim based on the digital identity and the risk assessment information by using a first blockchain, revoking a second verifiable claim of original risk assessment information corresponding to the digital identity by using the first blockchain; uploading the first verifiable claim to a second blockchain; obtaining a storage credential of the first verifiable claim in the second blockchain, wherein the second blockchain is connected to a service processing platform; generating a risk assessment card corresponding to the user based on the storage credential and the first verifiable claim; and allowing the service processing platform to obtain the risk assessment information of the user from the second blockchain by using the risk assessment card.

First claim

What is claimed is:

1. A computer-implemented method comprising:
obtaining risk assessment information by performing risk assessment on a user;
obtaining a digital identity of the user;
creating a first verifiable claim based on the digital identity and the risk assessment information of the user by using a first blockchain, wherein the first verifiable claim comprises the risk assessment information;
revoking a second verifiable claim of original risk assessment information corresponding to the digital identity by using the first blockchain, wherein the second verifiable claim comprises the original risk assessment information;
uploading the first verifiable claim to a second blockchain;
obtaining a storage credential of the first verifiable claim in the second blockchain, wherein the second blockchain is connected to a service processing platform;
generating a risk assessment card corresponding to the user based on the storage credential and the first verifiable claim; and
allowing the service processing platform to obtain the risk assessment information of the user from the second blockchain by using the risk assessment card.

2. The computer-implemented method according to claim 1 , wherein revoking the second verifiable claim of the original risk assessment information corresponding to the digital identity by using the first blockchain comprises:
modifying status information of the second verifiable claim to be invalid and updating the status information of the first verifiable claim to be valid by using the first blockchain.

3. The computer-implemented method according to claim 1 , wherein the risk assessment information comprises a risk assessment number identical to an original risk assessment number corresponding to the original risk assessment information; and
wherein the method further comprises, after generating the risk assessment card corresponding to the user based on the storage credential and the first verifiable claim, associating the risk assessment number with the risk assessment card.

4. The computer-implemented method according to claim 1 , wherein creating the first verifiable claim based on the digital identity and the risk assessment information by using the first blockchain comprises:
sending the digital identity and the risk assessment information to the first blockchain; and
receiving identification information of the first verifiable claim and the first verifiable claim returned by the first blockchain.

5. The computer-implemented method according to claim 1 , wherein creating the first verifiable claim based on the digital identity and the risk assessment information by using the first blockchain comprises:
creating the first verifiable claim based on the digital identity and the risk assessment information; and
writing identification information of the first verifiable claim to the first blockchain.

6. The computer-implemented method according to claim 1 , wherein uploading the first verifiable claim to the second blockchain comprises:
obtaining a ciphertext corresponding to the first verifiable claim by encrypting the first verifiable claim based on a public key corresponding to the digital identity; and
uploading the ciphertext to the second blockchain.

7. The computer-implemented method according to claim 1 , wherein obtaining the digital identity of the user comprises: searching pre-generated digital identities for the digital identity of the user, wherein the digital identity is created based on identification information of the user on a risk assessment platform or account information of the user at the risk assessment platform.

8. The computer-implemented method according to claim 1 , wherein the first verifiable claim further comprises at least one of the following:
a risk assessment number, the digital identity of the user, a digital identity of a risk assessment platform, and time of generation of the risk assessment information.

9. The computer-implemented method according to claim 1 , wherein obtaining the risk assessment information by performing risk assessment on the user comprises:
receiving a request for updating the risk assessment card from the user by using a client device; and
obtaining the risk assessment information by performing risk assessment on the user based on the request.

10. The computer-implemented method according to claim 1 , wherein obtaining the risk assessment information by performing risk assessment on the user comprises:
receiving an update of the original risk assessment information of the user from a risk assessment platform, wherein the update comprises the risk assessment information obtained by performing risk assessment on the user.

11. A computer-implemented system, comprising:
one or more computers; and
one or more computer memory devices interoperably coupled with the one or more computers and having tangible, non-transitory, machine-readable media storing one or more instructions that, when executed by the one or more computers, perform one or more operations comprising:
obtaining risk assessment information by performing risk assessment on a user;
obtaining a digital identity of the user;
creating a first verifiable claim based on the digital identity and the risk assessment information of the user by using a first blockchain, wherein the first verifiable claim comprises the risk assessment information;
revoking a second verifiable claim of original risk assessment information corresponding to the digital identity by using the first blockchain, wherein the second verifiable claim comprises the original risk assessment information;
uploading the first verifiable claim to a second blockchain;
obtaining a storage credential of the first verifiable claim in the second blockchain, wherein the second blockchain is connected to a service processing platform;
generating a risk assessment card corresponding to the user based on the storage credential and the first verifiable claim; and
allowing the service processing platform to obtain the risk assessment information of the user from the second blockchain by using the risk assessment card.

12. The computer-implemented system according to claim 11 , wherein revoking the second verifiable claim of the original risk assessment information corresponding to the digital identity by using the first blockchain comprises:
modifying status information of the second verifiable claim to be invalid and updating the status information of the first verifiable claim to be valid by using the first blockchain.

13. The computer-implemented system according to claim 11 , wherein the risk assessment information comprises a risk assessment number identical to an original risk assessment number corresponding to the original risk assessment information; and
wherein the operations further comprise, after generating the risk assessment card corresponding to the user based on the storage credential and the first verifiable claim, associating the risk assessment number with the risk assessment card.

14. The computer-implemented system according to claim 11 , wherein creating the first verifiable claim based on the digital identity and the risk assessment information by using the first blockchain comprises:
sending the digital identity and the risk assessment information to the first blockchain; and
receiving identification information of the first verifiable claim and the first verifiable claim returned by the first blockchain.

15. The computer-implemented system according to claim 11 , wherein creating the first verifiable claim based on the digital identity and the risk as

Assignees

• Alipay Hangzhou Inf Tech Co Ltd

Inventors

• Sun Shanlu
• Dai Ping
• Tang Diaolong
• Wu Xiao

Classifications

• H04L9/0825 Primary

  using asymmetric-key encryption or public key infrastructure [PKI], e.g. key signature or public key certificates · CPC title

• G06Q40/03 Primary

  Credit; Loans; Processing thereof · CPC title

• H04L9/50

  using hash chains, e.g. blockchains or hash trees · CPC title

• H04L2209/56

  Financial cryptography, e.g. electronic payment or e-cash · CPC title

• H04L9/32

  including means for verifying the identity or authority of a user of the system {or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials} · CPC title