Blockchain-based program review system, method, computing device and storage medium

1. A computer-implemented method for blockchain-based product-purchasing application review, wherein the application review comprises automatically underwriting a product to be purchased by a user, comprising:

obtaining, by a blockchain node of a blockchain network providing a distributed data storage and comprising a plurality of blockchain nodes, a plurality of underwriting rules associated with a plurality of products offered for sale by a plurality of product providers, each underwriting rule comprising a user score required for user eligibility to purchase a corresponding product, wherein each blockchain node of the blockchain network comprises a data structure for storing and validating transactions associated with users of the network, wherein the blockchain node is in electronic communication with one or more transaction end computing devices associated with one or more providers which in turn is in electronic communication with a computing device associated with the user;

constructing, by the blockchain node, a first smart contract based on the plurality of underwriting rules associated with the plurality of products and the plurality of providers;

obtaining, by the blockchain node, a plurality of assessment rules associated with the plurality of providers to calculate an initial user score of the user based on historical transaction data of the user;

constructing, by the blockchain node, a second smart contract based on the plurality of assessment rules;

signing, by the blockchain node, the first smart contract and the second smart contract respectively with a private key of the blockchain node and submitting the signed first smart contract and the signed second smart contract to the blockchain network;

after the first smart contract and the second smart contract are validated based on a public key of the blockchain node, broadcasting, by the blockchain node, the first smart contract and the second smart contract to the blockchain network;

receiving, by the blockchain node, transaction data of the user from a third party service provider, wherein the receiving comprises receiving a request from the third party service provider to update the initial user score based on the received transaction data, wherein the user's transaction data is different at least in part from the user's historical transaction data;

determining, by the blockchain node executing the second smart contract, an updated user score for the user based on the user's transaction data;

storing, by the blockchain node, the updated user score of the user in the blockchain network, wherein the user score of the user is indexed based on identification information of the user, wherein the user score is continually updated and stored as new transaction data is received by the blockchain node from a third party service provider;

receiving, by the blockchain node, from the transaction end, a first product-purchasing application review request comprising the identification information of the user and first product information of a first target product offered for sale by a first provider, wherein the first product-purchasing application review request is received by the transaction end from the user computing device;

retrieving, by the blockchain node, the updated user score of the user based on the identification information of the user in the first product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request;

communicating the first review result to the transaction end which in turn notifies the user computing device;

receiving, by the blockchain node, a second product-purchasing application review request comprising the identification information of the user and second product information of a second target product, wherein the second target product is offered for sale by a second provider different from the first provider;

retrieving, by the blockchain node, the updated user score based on the identification information of the user in the second product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a second review result based on the retrieved updated user score of the user and the second product information of the second target product in the second product-purchasing application review request; and

communicating the second review result to the transaction end which in turn notifies the user computing device.

2. The method according to claim 1 , wherein broadcasting the second smart contract to the blockchain network comprises:

consolidating the second smart contract into a block and broadcasting the block to the blockchain network.

3. The method according to claim 2 , wherein determining the updated user score for the user based on the user's transaction data comprises:

determining if an execution condition of the second smart contract is satisfied;

if so, automatically processing the user's transaction data according to the one or more assessment rules to generate a user-score change for the user, wherein the user-score change implies an amplitude of score increase or score decrease;

retrieving the initial user score of the user from the blockchain network;

determining the updated user score of the user based on the initial user score and the user-score change; and

storing the updated user score in the blockchain network, the updated user score being retrievable based on the identification information of the user.

4. The method according to claim 1 , further comprising:

determining if the first product information of the first target product satisfies an execution condition of the first smart contract.

5. The method according to claim 1 , wherein generating the first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request comprises:

determining, by the blockchain node executing the first smart contract, the user score required to purchase the first target product based on the first product information of the first target product in the first product-purchasing application review request; and

generating, by the blockchain node executing the first smart contract, the first review result based on a comparison of the retrieved updated user score with the user score required to purchase the first target product.

6. The method according to claim 1 , wherein the method further comprises:

monitoring whether a state machine, an event and/or a trigger condition in the first smart contract satisfies a preset execution condition, and if yes, an execution condition of the first smart contract is satisfied.

7. The method according to claim 1 , wherein the method further comprises:

monitoring whether a state machine, an entity and/or a trigger condition in the second smart contract satisfies a preset execution condition, and if yes, an execution condition of the second smart contract is satisfied.

8. The method according to claim 1 , wherein the first review result comprises an approval, and the method further comprises:

sending a purchasing request to a server of the first provider, the purchasing request comprising the identification information of the user and an identification information of the first target product; and

receiving a purchase confirmation from the server of the first provider.

9. The method according to claim 1 , wherein the

first review result comprises a rejection.

10. A system for blockchain-based product-purchasing application review, wherein the application review comprises automatically underwriting a product to be purchased by a user, the system comprising: a processor and a non-transitory computer-readable storage medium storing instructions executable by the processor to cause the system to perform operations comprising:

obtaining, by a blockchain node of a blockchain network providing a distributed data storage and comprising a plurality of blockchain nodes, a plurality of underwriting rules associated with a plurality of products offered for sale by a plurality of product providers, each underwriting rule comprising a user score required for user eligibility to purchase a corresponding product, wherein each blockchain node of the blockchain network comprises a data structure for storing and validating transactions associated with users of the network, wherein the blockchain node is in electronic communication with one or more transaction end computing devices associated with one or more providers which in turn is in electronic communication with a computing device associated with the user;

constructing, by the blockchain node, a first smart contract based on the plurality of underwriting rules associated with the plurality of products and the plurality of providers;

obtaining, by the blockchain node, a plurality of assessment rules associated with the plurality of providers to calculate an initial user score of the user based on historical transaction data of the user;

constructing, by the blockchain node, a second smart contract based on the plurality of assessment rules;

signing, by the blockchain node, the first smart contract and the second smart contract respectively with a private key of the blockchain node and submitting the signed first smart contract and the signed second smart contract to the blockchain network;

after the first smart contract and the second smart contract are validated based on a public key of the blockchain node, broadcasting, by the blockchain node, the first smart contract and the second smart contract to the blockchain network;

receiving, by the blockchain node, transaction data of the user from a third party service provider, wherein the receiving comprises receiving a request from the third party service provider to update the initial user score based on the received transaction data, wherein the user's transaction data is different at least in part from the user's historical transaction data;

determining, by the blockchain node executing the second smart contract, an updated user score for the user based on the user's transaction data;

storing, by the blockchain node, the updated user score of the user in the blockchain network, wherein the user score of the user is indexed based on identification information of the user, wherein the user score is continually updated and stored as new transaction data is received by the blockchain node from a third party service provider;

receiving, by the blockchain node, from the transaction end, a first product-purchasing application review request comprising the identification information of the user and first product information of a first target product offered for sale by a first provider, wherein the first product-purchasing application review request is received by the transaction end from the user computing device;

retrieving, by the blockchain node, the updated user score of the user based on the identification information of the user in the product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request;

communicating the first review result to the transaction end which in turn notifies the user computing device;

receiving, by the blockchain node, a second product-purchasing application review request comprising the identification information of the user and second product information of a second target product, wherein the second target product is offered for sale by a second provider different from the first provider;

retrieving, by the blockchain node, the updated user score based on the identification information of the user in the second product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a second review result based on the retrieved updated user score of the user and the second product information of the second target product in the second product-purchasing application review request; and

communicating the second review result to the transaction end which in turn notifies the user computing device.

11. The system of claim 10 , wherein broadcasting the second smart contract to the blockchain network comprises:

consolidating the second smart contract into a block and broadcasting the block to the blockchain network.

12. The system of claim 10 , wherein determining the updated user score for the user based on the user's transaction data comprises:

determining if an execution condition of the second smart contract is satisfied;

if so, automatically processing the user's transaction data according to the one or more

assessment rules to generate a user-score change for the user, wherein the user-score change implies an amplitude of score increase or score decrease;

retrieving the initial user score of the user from the blockchain network;

determining the updated user score of the user based on the initial user score and the user-score change; and

storing the updated user score in the blockchain network, the updated user score being retrievable based on the identification information of the user.

13. The system of claim 10 , wherein generating the first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request comprises:

determining, by the blockchain node executing the first smart contract, the user score required to purchase the first target product based on the first product information of the first target product in the first product-purchasing application review request; and

generating, by the blockchain node executing the first smart contract, the first review result based on a comparison of the retrieved updated user score with the user score required to purchase the first target product.

14. The system of claim 10 , wherein the first review result comprises an approval, and the operations further comprise:

sending a purchasing request to a server of the first provider, the purchasing request comprising the identification information of the user and an identification information of the first target product; and

receiving a purchase confirmation from the server of the first provider.

15. The system of claim 10 , wherein the first review result comprises a rejection.

16. A non-transitory computer-readable storage medium for blockchain-based product-purchasing application review, wherein the application review comprises automatically underwriting a product to be purchased by a user, the non-transitory computer-readable medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:

obtaining, by a blockchain node of a blockchain network providing a distributed data storage and comprising a plurality of blockchain nodes, a plurality of underwriting rules associated with a plurality of products offered for sale by a plurality of product providers, each underwriting rule comprising a user score required for user eligibility to purchase a corresponding product, wherein each blockchain node of the blockchain network comprises a data structure for storing and validating transactions associated with users of the network, wherein the blockchain node is in electronic communication with one or more transaction end computing devices associated with one or more providers which in turn is in electronic communication with a computing device associated with the user;

constructing, by the blockchain node, a first smart contract based on the plurality of underwriting rules associated with the plurality of products and the plurality of providers;

obtaining, by the blockchain node, a plurality of assessment rules associated with the plurality of providers to calculate an initial user score of the user based on historical transaction data of the user;

constructing, by the blockchain node, a second smart contract based on the plurality of assessment rules;

signing, by the blockchain node, the first smart contract and the second smart contract respectively with a private key of the blockchain node and submitting the signed first smart contract and the signed second smart contract to the blockchain network;

after the first smart contract and the second smart contract are validated based on a public key of the blockchain node, broadcasting, by the blockchain node, the first smart contract and the second smart contract to the blockchain network;

receiving, by the blockchain node, transaction data of the user from a third party service provider, wherein the receiving comprises receiving a request from the third party service provider to update the initial user score based on the received transaction data, wherein the user's transaction data is different at least in part from the user's historical transaction data;

determining, by the blockchain node executing the second smart contract, an updated user score for the user based on the user's transaction data;

storing, by the blockchain node, the updated user score of the user in the blockchain network, wherein the user score of the user is indexed based on identification information of the user, wherein the user score is continually updated and stored as new transaction data is received by the blockchain node from a third party service provider;

receiving, by the blockchain node, from the transaction end, a first product-purchasing application review request comprising the identification information of the user and first product information of a first target product offered for sale by a first provider, wherein the first product-purchasing application review request is received by the transaction end from the user computing device;

retrieving, by the blockchain node, the updated user score of the user based on the identification information of the user in the first product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request;

communicating the first review result to the transaction end which in turn notifies the user computing device;

receiving, by the blockchain node, a second product-purchasing application review request comprising the identification information of the user and second product information of a second target product, wherein the second target product is offered for sale by a second provider different from the first provider;

retrieving, by the blockchain node, the updated user score based on the identification information of the user in the second product-purchasing application review request;

generating, by the blockchain node executing the first smart contract, a second review result based on the retrieved updated user score of the user and the second product information of the second target product in the second product-purchasing application review request; and

communicating the second review result to the transaction end which in turn notifies the user computing device.

17. The non-transitory computer-readable storage medium of claim 16 , wherein broadcasting the second smart contract to the blockchain network comprises:

consolidating the second smart contract into a block and broadcasting the block to the blockchain network.

18. The non-transitory computer-readable storage medium of claim 16 , wherein determining the updated user score for the user based on the user's transaction data comprises:

determining if an execution condition of the second smart contract is satisfied;

if so, automatically processing the user's transaction data according to the one or more assessment rules to generate a user-score change for the user, wherein the user-score change implies an amplitude of score increase or score decrease;

retrieving the initial user score of the user from the blockchain network;

determining the updated user score of the user based on the initial user score and the user-score change; and

storing the updated user score in the blockchain network, the updated user score being retrievable based on the identification information of the user.

19. The non-transitory computer-readable storage medium of claim 16 , wherein the first review result comprises an approval, and the operations further comprise:

sending a purchasing request to a server of the first provider, the purchasing request comprising the identification information of the user and an identification information of the first target product; and

receiving a purchase confirmation from the server of the first provider.

20. The non-transitory computer-readable storage medium of claim 16 , wherein generating the first review result based on the retrieved updated user score of the user and the first product information of the first target product in the first product-purchasing application review request comprises:

determining, by the blockchain node executing the first smart contract, the user score required to purchase the first target product based on the first product information of the first target product in the first product-purchasing application review request; and

generating, by the blockchain node executing the first smart contract, the first review result based on a comparison of the retrieved updated user score with the user score required to purchase the first target product.