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WO2019103707A1 - Système et procédé d'évaluation de crédibilité - Google Patents

Système et procédé d'évaluation de crédibilité Download PDF

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Publication number
WO2019103707A1
WO2019103707A1 PCT/TR2018/050162 TR2018050162W WO2019103707A1 WO 2019103707 A1 WO2019103707 A1 WO 2019103707A1 TR 2018050162 W TR2018050162 W TR 2018050162W WO 2019103707 A1 WO2019103707 A1 WO 2019103707A1
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WO
WIPO (PCT)
Prior art keywords
user
credibility
score
node
blockchain
Prior art date
Application number
PCT/TR2018/050162
Other languages
English (en)
Inventor
Zahid SAGIROGLU
Bulent TEKMEN
Furkan KAMACI
Eray EREN
Original Assignee
Sagiroglu Zahid
Tekmen Bulent
Kamaci Furkan
Eren Eray
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Sagiroglu Zahid, Tekmen Bulent, Kamaci Furkan, Eren Eray filed Critical Sagiroglu Zahid
Publication of WO2019103707A1 publication Critical patent/WO2019103707A1/fr

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Classifications

    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • 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
    • G06Q30/00—Commerce
    • G06Q30/018—Certifying business or products
    • 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
    • G06Q40/03—Credit; Loans; Processing thereof
    • 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
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/01—Social networking
    • 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
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present invention relates to a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
  • the object of the present invention is to provide a credibility evaluation system which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance service, and to a method thereof.
  • a credibility evaluation system which has been developed for achieving the object of the present invention and defined in the first claim and other dependent claims comprises: at least one blockchain-based communication network; at least one communication device which is used by the user for making a credibility evaluation application and obtaining the result for their application via at least one application comprised therein; a plurality of integrated data nodes which operate independent of one another and of the application, provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, and provide the users with financing possibilities based on the score obtained as a result of the credibility e valuation; at least one request node whi ch contributes or does not contribute to the scoring performed for credibility evaluation processes and provide the users with financing possibili ties based on the score obtained as a result of the evaluation; and a plurality of scoring engines which provide service in a decentralized manner in a way not to be connected to the bloekchain-based communication network as a separate node, operate in isolation from one another and other nodes in terms of data sharing by being installed on each node within the communication
  • the scoring engine preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past payment performance, and previous blockchain credit performance obtained by the user using the system.
  • the scoring engine determines a coefficient in scoring for these categories according to the characteristics of the incoming data.
  • the application sends a confirmation link to the user. If the user confirms this link, then the integrated data node and the request node access the credibility score of the user.
  • the credibility score calculated by the scoring engine preferably consists of two different scores: fixed score and flexible score.
  • Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user.
  • Flexible score comprises the category of blockchain credibility which is requested by the integrated data node or request node and changeable.
  • the independent scoring engine in that node analyzes the user’s data on the respective node through the communication protocol presented by the system. Evaluating these data, the scoring engine forms a dedicated IPFS- based score file on the blockchain. Said score file comprises the scores belonging to the data received from each blockchain node by means of the system protocol provided by the blockchain.
  • the scoring engine and/or scoring engines form(s) the user's scorecard using this score file.
  • the scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user’s universal application number, social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance of the user.
  • the scoring engines independently operating on the nodes on the blockchain send, subsequent to the user's confirmation, the scorecard preferably to the integrated data node and/or the request node.
  • the scoring engines that are decentralized and operate independent of one another never share the data contained in the nodes which are present on the blockchain and in which they are located with other nodes, and thus ensure the security of data. Only the evaluation results of the data are added to the score file on the blockchain.
  • the scoring engine preferably consists of two sub-engines, one of which is the credit evaluation engine and the other one of which is the fraud detection engine.
  • the credit evaluation engine collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility.
  • the fraud detection engine observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user.
  • the fraud detection engine preferably consists of a rapid fraud detection engine which processes both the stream data and the time window data and performs fraud detection operation using machine teaming- and rule-based methods, and a main fraud detection engine which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.
  • the method enabl ing the functioning of the credibility evaluation system according to the invention comprises the following process steps:
  • Fig. 1 Representative schematic view of the credibility evaluation system.
  • the credibility evaluation system (100) which presents a decentralized configuration and is blockchain- and machine learning-based and which, utilizing digital IDs of the individuals, provides reliability measurement and microfinance sendee basically comprises;
  • At least one blockchain-based communication network (200)
  • a plurality of integrated data nodes (400) which are connected to the communication network (200), belong to the banks, shopping companies telecommunication companies and similar companies, operate independent of one another and of the application (310), provide a certain percentage of score contribution for the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, at least one request node (500) which is connected to the communication network (200) in order to access the score formed as a result of the credibility evaluation made for the user, contributes or does not contribute to the scoring performed for credibility evaluation processes, observe the score formed as a result of the credibility evaluation upon the user's confirmation, and provide different financing possibilities specific to the users and to its own operating structure based on this score, and
  • the credibility evaluation method uses the components within the credibility evaluation system (1000), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain, and thus perform a universal credibility scoring process for the user, and deliver the scoring results to the user and/or integrated data node (400) and/or request node (500) via the website and/or blockchain in an encrypted and secure form based on the request and the user's confirmation (Fig 1).
  • the credibility evaluation method uses the components within the credibility evaluation system (1000), access to the user's digital information in the application (310) and/or integrated data node (400) and/or request node (500) for the credibility evaluation request, evaluate the digital information accessed thereby without extracting any data out of the node in which it is located in an isolated manner and add the results to the score file on the blockchain,
  • the credibility evaluation system (100) and method according to the invention provide a blockchain-based and decentralized service and operate in coordination with banking requirements and conventional financial methods. With its decentralized structure which is based on machine learning algorithms, the credibility evaluation system (100) collects and analyzes the digital data used by the users universally and creates a dedicated credibility score as a result of this analysis.
  • the credibility evaluation system (100) presents a universal solution model for credibility and microfmance services.
  • the solution model presented by the credibility evaluation system (100) improves the weak points of the existing credit models and has a simple and yet competent configuration.
  • the application (310) In the credibility evaluation system (100), first the users make a registration request using the application (310) in their communication devices (300). During said registration procedures, the application (310) preferably obtains the user information including the user's name, surname, date of birth, legal identification number, address, e-mail, and mobile phone number, and forms a universal application number belonging to the user in addition to such information, and finally records all the information as encrypted user query information. Further, the application (310) requests to have access to any kind of information of the users, e.g. social media accounts, and call records, text messages, and data usage in their communication devices (300). After the user confirms the access request, the application (310) starts the credibility evaluation processes for the user.
  • the application (310) After the user confirms the access request, the application (310) starts the credibility evaluation processes for the user.
  • the communication device (300) may be a mobile phone, tablet and similar devices.
  • the scoring engine (600) is not included in the blockchain-based communication network (200) as a separate node; instead, it provides a decentralized service on a node located on the blockchain.
  • the scoring engine (600) performs an encrypted credibility scoring process for the user taking many different criteria into consideration.
  • the application (310) submits this request to the user for confirmation.
  • the user confirms, the integrated data node (400) and/or the request node (500) access to the result of the credibility evaluation scoring.
  • the scoring engine (600) preferably performs credibility scoring process in six different categories. Said categories are as follows: social media credibility, financial stability, blockchain credibility, user reliability, past credit performance, and previous blockchain credit performance obtained by the user using the system (1).
  • the scoring engine (600) determines a coefficient in scoring for these categories according to the characteristics of the incoming data. In case none of these categories can be accessed or in case the user has no history in the related category, the scoring engine (600) does not include this categor in the scoring process and reaches the total score by changing the coefficient of the other categories.
  • the scoring engine (600) further looks at the data obtained for these different categories and measures the sufficiency of such data.
  • the scoring engine (600) evaluates all the combinations and identifies a separate coefficient for each data based on the sufficiency thereof, and forms the total credibility " score of the user taking these coefficients into consideration.
  • the scoring engine (600) has access, via the application (310), to the users' social media accounts as well as any kind of user information including the location, contact (friend) list, call history in their communication devices (300).
  • the scoring engine (600) takes the sufficiency of data into account in analysis processes. That is, the user's reciprocal and long-lasting interaction with his / her friends, instead of unilateral acti vities of the user, are considered to a greater extent .
  • the social sphere of the user defines his/her lifestyle in some way. People generally tend to choose their close friends from a sphere with a financial level similar to theirs. Therefore, the characteristics and financial levels of the persons with which the user interacts present an important criterion for the scoring.
  • the scoring engine (600) also has access to any kind of user information including the location, contact (friend) list, call history in their communication devices (300). For instance, the locations most frequently visited by the user typically give information about his/her home and/or the places that s/he goes as a part of his/her social life. The financial value of the location in which said places or house is located may present an important criterion in terms of scoring. Further, the financial level of the persons called or texted by the user will also present another criterion for the scoring process. As a consequence, the scoring engine (600) reaches the scoring result in the category of the user's social media credibility by " means of the application (310).
  • the scoring engine (600) may also inquire the category of the user's reliability by means of the application (310). For example, in case the user is never present in the neighborhood that s/he gave as the address information during registration procedures, this means that s/he probably does not live in that address, which, in turn, will cause the user's score to be lower.
  • the scoring engine (600) performs an encrypted query to each integrated data node (400) and/or request node (500) using the query information of the user. For instance, the scoring engine (600) can make a query to each integrated data node (400) and/or request node (500) database of the shopping company, bank, tel ecommunication firm and the like using one or more of the in formation including the user's name, address, e-mail and so on. The scoring engine (600) reaches the scoring result in the category of hlockchain credibility using the information that it receives from these nodes. The scoring engine (600) is also capable of analyzing the user's financial stability and past credit performance using the information that it receives from the bank(s) in the nodes contained in the blockchain.
  • the scorecard comprises the credibility evaluation result for the user and indicates the total credibility score.
  • the credibility score is dynamic, being permanently updated in accordance with the incoming data.
  • the application (310) sends a confirmation link to the user. If the user confirms this link, then the integrated data node (400) and the request node (500) access the credibility score of the user.
  • the integrated data node (400) and the request node (500) are able to provide the user with different financing possibilities specific to their operating structure. For instance, a shopping company may want that the user's score points to at least 80 in order to allow the user to pay for his/her shopping by installments. Said lower limit can be defined by the shopping company itself.
  • the credibility score calculated by the scoring engine (600) preferably consists of two different scores: fixed score and flexible score.
  • Fixed score does not change by any means and comprises the categories of social media credibility, user reliability, financial stability, and the previous blockchain credit performance of the user.
  • Flexible score comprises the category of blockchain credibility which is requested by the integrated data node (400) or request node (500) and changeable. For instance, while calculating the user’s credibility score, a shopping company may not want that the score obtained by the user from a telecommunication company is taken into account, or may request that the score coefficient is low . In such a case, that category is not included in scoring or the coefficient of that category is kept low.
  • the isolated scoring engine (600) in that node evaluates the user's data on the respective node.
  • the scoring engine (600) adds only the evaluation results of these data to the dedicated IPFS-based score file created on the blockchain, without extracting any data out of the node.
  • Said score file comprises the evaluation result scores received from each blockchain node by means of the communication protocol.
  • the scoring engine (600) forms the user's scorecard using the respective score file.
  • the scorecard preferably comprises the weighted scores and total score belonging to six categories which consist of the user's universal application number, social media credibility, financial stability, blockchain credibility 7 , user reliability, past credit performance, and previous blockchain credit performance of the user.
  • the scoring engine (600) delivers the scorecard preferably to the integrated data node (400) and the request node (500).
  • the scoring engine (600) never shares the data contained in the nodes which are present on the blockchain and in which they 7 are located with other nodes and the scoring engines in other nodes, and thus ensures the security of data.
  • the scoring engine (600) preferably consists of two sub-engines, one of which is the credit evaluation engine (610) and the other one of which is the fraud detection engine (620).
  • the credit evaluation engine (610) collects the rich size of data and forms scores using the artificial intelligence in order to determine credibility.
  • the fraud detection engine (620) observes the data flow and the collected data and as a result of this, it detects the fraud attempt of the user.
  • the fraud detection engine (620) preferably consists of a rapid fraud detection engine (621) which processes both the stream data and the time window data and performs fraud detection operation using machine learning- and rule-based methods, and a main fraud detection engine (622) which performs complex controls for both credit- and individual-based anomalies and prevents possible fraud attempts.

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Abstract

La présente invention concerne un système d'évaluation de crédibilité, qui présente une configuration décentralisée et est basé sur la chaîne de blocs et l'apprentissage automatique, ledit système procurant, en ayant recours à des ID numériques des individus, une mesure de fiabilité et un service de microfinancement. L'invention concerne également un procédé permettant la réalisation de ce système (100).
PCT/TR2018/050162 2017-11-27 2018-04-12 Système et procédé d'évaluation de crédibilité WO2019103707A1 (fr)

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TR2017/18920 2017-11-27
TR201718920 2017-11-27

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WO2019103707A1 true WO2019103707A1 (fr) 2019-05-31

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111404936A (zh) * 2020-03-16 2020-07-10 中国银行股份有限公司 文件转发系统及方法
CN114710340A (zh) * 2022-03-25 2022-07-05 绿盟科技集团股份有限公司 一种安全认证系统及方法
CN115118528A (zh) * 2022-08-26 2022-09-27 人民法院信息技术服务中心 一种区块链安全性的评判方法、装置、设备和存储介质
CN114866558B (zh) * 2022-05-10 2023-04-18 厦门理工学院 基于数字服务技术的区块链认证平台与方法
CN116739722A (zh) * 2023-08-15 2023-09-12 富鸿资本(湖南)融资租赁有限公司 一种基于风险评估的融资租赁报价方法及系统

Citations (4)

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WO2017066002A1 (fr) * 2015-10-17 2017-04-20 Banqu, Inc. Plateforme d'identité et de transaction basée sur une chaîne de blocs
US20170230189A1 (en) * 2016-02-04 2017-08-10 Nasdaq Technology Ab Systems and methods for storing and sharing transactional data using a distributed computing systems
US20170232300A1 (en) * 2016-02-02 2017-08-17 Bao Tran Smart device
US20170243214A1 (en) * 2016-02-22 2017-08-24 Bank Of America Corporation System for tracking transfer of resources in a process data network

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2017066002A1 (fr) * 2015-10-17 2017-04-20 Banqu, Inc. Plateforme d'identité et de transaction basée sur une chaîne de blocs
US20170232300A1 (en) * 2016-02-02 2017-08-17 Bao Tran Smart device
US20170230189A1 (en) * 2016-02-04 2017-08-10 Nasdaq Technology Ab Systems and methods for storing and sharing transactional data using a distributed computing systems
US20170243214A1 (en) * 2016-02-22 2017-08-24 Bank Of America Corporation System for tracking transfer of resources in a process data network

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN111404936A (zh) * 2020-03-16 2020-07-10 中国银行股份有限公司 文件转发系统及方法
CN111404936B (zh) * 2020-03-16 2022-07-05 中国银行股份有限公司 文件转发系统及方法
CN114710340A (zh) * 2022-03-25 2022-07-05 绿盟科技集团股份有限公司 一种安全认证系统及方法
CN114710340B (zh) * 2022-03-25 2023-05-23 绿盟科技集团股份有限公司 一种安全认证系统及方法
CN114866558B (zh) * 2022-05-10 2023-04-18 厦门理工学院 基于数字服务技术的区块链认证平台与方法
CN115118528A (zh) * 2022-08-26 2022-09-27 人民法院信息技术服务中心 一种区块链安全性的评判方法、装置、设备和存储介质
CN116739722A (zh) * 2023-08-15 2023-09-12 富鸿资本(湖南)融资租赁有限公司 一种基于风险评估的融资租赁报价方法及系统
CN116739722B (zh) * 2023-08-15 2023-10-13 富鸿资本(湖南)融资租赁有限公司 一种基于风险评估的融资租赁报价方法及系统

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