BLOCKCHAIN-BASED SERVICE RENTAL METHODS AND DEVICES

1 . A computer-implemented method, comprising:

receiving a rental request initiated by a target user for a target service in a blockchain network;

performing a credit risk assessment on the target user in response to the rental request;

determining that the target user passes the credit risk assessment;

in response to determining that the target user passes the credit risk assessment, generating an electronic rental contract that corresponds to the target service;

delivering the electronic rental contract to the target user and a service provider of the target service, wherein the target user and the service provider perform an electronic signature on the electronic rental contract; and

storing the electronic rental contract with electronic signatures in a distributed blockchain database of the blockchain network, wherein the electronic rental contract stored in the distributed blockchain database is used to assess credit information of the target user.

2 . The computer-implemented method of claim 1 , comprising:

receiving a performance record of the target user and a performance record of the service provider that correspond to the electronic rental contract; and

storing the performance records in the distributed blockchain database.

3 . The computer-implemented method according to claim 2 , further comprising:

reading the electronic rental contract stored in the distributed blockchain database, the performance record of the target user and the performance record of the service provider that correspond to the electronic rental contract; and

performing credit assessment on the target user and the service provider based on the electronic rental contract, the performance record of the target user and the performance record of the service provider, to obtain the credit information of the target user and credit information of the service provider.

4 . The computer-implemented method according to claim 2 , wherein the credit information comprises a credit score, and wherein performing credit risk assessment on the target user comprises:

reading a credit score of the target user;

determining whether the credit score of the target user is less than a predetermined threshold; and

in response to determining that the credit score of the target user is less than the predetermined threshold, determining that the target user fails to pass the credit risk assessment;

or in response to determining that the credit score of the target user is not less than the predetermined threshold, determining that the target user passes the credit risk assessment.

5 . The computer-implemented method according to claim 1 , wherein performing the credit risk assessment on the target user in response to the rental request comprises:

performing identity authentication on the target user in response to the rental request;

determining that the identity authentication of the target user succeeds; and

in response to determining that the identity authentication of the target user succeeds, further performing credit risk assessment on the target user.

6 . The computer-implemented method according to claim 1 , further comprising:

performing credit risk assessment on the service provider;

determining that the service provider fails to pass the credit risk assessment; and

in response to determining that the service provider fails to pass the credit risk assessment, marking a service provided by the service provider as an untrusted service or deleting the service from a trusted service list.

7 . The computer-implemented method according to claim 1 , wherein the target service is a house rental service.

8 . A non-transitory, computer-readable medium storing one or more instructions executable by a computer system to perform operations comprising:

receiving a rental request initiated by a target user for a target service in a blockchain network;

performing a credit risk assessment on the target user in response to the rental request;

determining that the target user passes the credit risk assessment;

in response to determining that the target user passes the credit risk assessment, generating an electronic rental contract that corresponds to the target service;

delivering the electronic rental contract to the target user and a service provider of the target service, wherein the target user and the service provider perform an electronic signature on the electronic rental contract; and

storing the electronic rental contract with electronic signatures in a distributed blockchain database of the blockchain network, wherein the electronic rental contract stored in the distributed blockchain database is used to assess credit information of the target user.

9 . The non-transitory, computer-readable medium of claim 8 , wherein the operations further comprise:

receiving a performance record of the target user and a performance record of the service provider that correspond to the electronic rental contract; and

storing the performance records in the distributed blockchain database.

10 . The non-transitory, computer-readable medium of claim 9 , wherein the operations further comprise:

reading the electronic rental contract stored in the distributed blockchain database, the performance record of the target user and the performance record of the service provider that correspond to the electronic rental contract; and

performing credit assessment on the target user and the service provider based on the electronic rental contract, the performance record of the target user and the performance record of the service provider, to obtain the credit information of the target user and credit information of the service provider.

11 . The non-transitory, computer-readable medium of claim 9 , wherein the credit information comprises a credit score, and wherein performing credit risk assessment on the target user comprises:

reading a credit score of the target user;

determining whether the credit score of the target user is less than a predetermined threshold; and

in response to determining that the credit score of the target user is less than the predetermined threshold, determining that the target user fails to pass the credit risk assessment;

or in response to determining that the credit score of the target user is not less than the predetermined threshold, determining that the target user passes the credit risk assessment.

12 . The non-transitory, computer-readable medium of claim 8 , wherein performing the credit risk assessment on the target user in response to the rental request comprises:

performing identity authentication on the target user in response to the rental request;

determining that the identity authentication of the target user succeeds; and

in response to determining that the identity authentication of the target user succeeds, further performing credit risk assessment on the target user.

13 . The non-transitory, computer-readable medium of claim 8 , wherein the operations further comprise:

performing credit risk assessment on the service provider;

determining that the service provider fails to pass the credit risk assessment; and

in response to determining that the service provider fails to pass the credit risk assessment, marking a service provided by the service provider as an untrusted service or deleting the service from a trusted service list.

14 . The non-transitory, computer-readable medium of claim 8 , wherein the target service is a house rental service.

15 . 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:

receiving a rental request initiated by a target user for a target service in a blockchain network;

performing a credit risk assessment on the target user in response to the rental request;

determining that the target user passes the credit risk assessment;

in response to determining that the target user passes the credit risk assessment, generating an electronic rental contract that corresponds to the target service;

delivering the electronic rental contract to the target user and a service provider of the target service, wherein the target user and the service provider perform an electronic signature on the electronic rental contract; and

storing the electronic rental contract with electronic signatures in a distributed blockchain database of the blockchain network, wherein the electronic rental contract stored in the distributed blockchain database is used to assess credit information of the target user.

16 . The computer-implemented system of claim 15 , wherein the operations further comprise:

receiving a performance record of the target user and a performance record of the service provider that correspond to the electronic rental contract; and

storing the performance records in the distributed blockchain database.

17 . The computer-implemented system of claim 16 , further comprising:

reading the electronic rental contract stored in the distributed blockchain database, the performance record of the target user and the performance record of the service provider that correspond to the electronic rental contract; and

performing credit assessment on the target user and the service provider based on the electronic rental contract, the performance record of the target user and the performance record of the service provider, to obtain the credit information of the target user and credit information of the service provider.

18 . The computer-implemented system of claim 16 , wherein the credit information comprises a credit score, and wherein performing credit risk assessment on the target user comprises:

reading a credit score of the target user;

determining whether the credit score of the target user is less than a predetermined threshold; and

in response to determining that the credit score of the target user is less than the predetermined threshold, determining that the target user fails to pass the credit risk assessment;

or in response to determining that the credit score of the target user is not less than the predetermined threshold, determining that the target user passes the credit risk assessment.

19 . The computer-implemented system of claim 15 , wherein performing the credit risk assessment on the target user in response to the rental request comprises:

performing identity authentication on the target user in response to the rental request;

determining that the identity authentication of the target user succeeds; and

in response to determining that the identity authentication of the target user succeeds, further performing credit risk assessment on the target user.

20 . The computer-implemented system of claim 15 , wherein the operations further comprise:

performing credit risk assessment on the service provider;

determining that the service provider fails to pass the credit risk assessment; and

in response to determining that the service provider fails to pass the credit risk assessment, marking a service provided by the service provider as an untrusted service or deleting the service from a trusted service list.