Trading Risk Control Method, Device and Electronic Equipment

Abstract

The present disclosure provides a transaction risk control method, a transaction risk control device, and an electronic device. The method includes: obtaining basic transaction information of a current transaction, and retrieving characteristic transaction information related to the basic transaction information in a database; performing risk control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction; obtaining external risk control information related to the current transaction from a blockchain network according to the basic transaction information and the characteristic transaction information; and determining transaction risk control information of the current transaction according to the internal risk control information and the external risk control information. This method can improve the comprehensiveness and accuracy of risk control detection.

Description

Technical Field

[0001] The present disclosure relates to the field of computer technologies, and in particular, to a transaction risk control method, a transaction risk control device, and an electronic device. Background Art

[0002] With the development of computer technologies and Internet technologies, electronic transactions through online trading platforms have gradually become a common choice for merchants and individuals. In the process of electronic transactions, in order to improve transaction security, various risk control measures are usually adopted to detect the risk control of relevant transaction subjects and transaction contents involved in the transaction. However, due to the complexity of Internet finance and e-commerce, an electronic transaction generally requires the cooperation of many institutional subjects to complete, and each institutional subject has different risk control requirements and risk control methods, and there are still relatively large problems in the comprehensiveness and accuracy of transaction risk control.

[0003] It should be noted that the information disclosed in the above background art section is only used to enhance the understanding of the background of the present application, and thus may include information that does not constitute the prior art known to those of ordinary skill in the art. Summary of the Invention

[0004] The purpose of the present disclosure is to provide a transaction risk control method, a transaction risk control device, a computer-readable medium, and an electronic device, so as to at least overcome the technical problems such as poor comprehensiveness and accuracy of transaction risk control caused by the existence of subject limitations to a certain extent.

[0005] Other features and advantages of the present disclosure will become apparent through the following detailed description, or will be learned in part through the practice of the present disclosure.

[0006] According to one aspect of the embodiments of the present disclosure, a transaction risk control method is provided, and the method includes: obtaining the basic transaction information of the current transaction, and retrieving the characteristic transaction information related to the basic transaction information in a database; performing risk control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction; obtaining the external risk control information related to the current transaction from a blockchain network according to the basic transaction information and the characteristic transaction information; determining the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

[0007] According to one aspect of the embodiments of the present disclosure, a transaction risk control device is provided. The device includes: a transaction information acquisition module configured to acquire the basic transaction information of the current transaction and retrieve the characteristic transaction information related to the basic transaction information in a database; an internal risk control module configured to perform risk control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction; an external risk control module configured to obtain the external risk control information related to the current transaction from a blockchain network according to the basic transaction information and the characteristic transaction information; and a risk control information determination module configured to determine the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

[0008] In some embodiments of the present disclosure, based on the above technical solution, the external risk control module includes: a node determination module configured to determine a plurality of blockchain nodes located on the blockchain network; an information verification module configured to respectively obtain the to-be-verified risk control information related to the current transaction from the plurality of blockchain nodes and perform consistency verification on the to-be-verified risk control information; and an information determination module configured to, when the result of the consistency verification is consistent, determine the to-be-verified risk control information as the external risk control information related to the current transaction.

[0009] In some embodiments of the present disclosure, based on the above technical solution, the node determination module includes: a region identification module configured to determine the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information and obtain the region identification information of the counterparty transaction entity; and a node query module configured to query a node identification list according to the region identification information to determine a plurality of blockchain nodes related to the counterparty transaction entity.

[0010] In some embodiments of the present disclosure, based on the above technical solution, the transaction risk control device further includes: a data encoding module configured to encode the basic transaction information, the characteristic transaction information, and the transaction risk control information to obtain risk control encoded data; and a data storage module configured to broadcast the risk control encoded data to the blockchain network to store the risk control encoded data in the blocks of the blockchain network.

[0011] In some embodiments of the present disclosure, based on the above technical solutions, the data storage module includes: a block body storage module configured to store the risk control encoded data in the block body of the current block to be consensus; a parent block feature value generation module configured to, when the block generation condition is met, obtain the block header data of the previous block in the blockchain network and calculate the parent block feature value according to the block header data; a block body feature value generation module configured to calculate the block body feature value of the current block according to the data stored in the block body of the current block; a block header storage module configured to store the parent block feature value, the block body feature value, and the time stamp of the current time in the block header of the current block; a block linking module configured to broadcast the current block to the blockchain network for consensus authentication of the current block and link the current block to the blockchain when the authentication is passed.

[0012] In some embodiments of the present disclosure, based on the above technical solutions, the internal risk control module includes: a bilateral entity determination module configured to determine the current transaction entity and the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information, and determine the transaction attribute value related to the current transaction entity; a bilateral entity detection module configured to obtain the internal risk entity information from the database and perform risk control detection on the current transaction entity and the counterparty transaction entity by using the internal risk entity information. An attribute value detection module configured to obtain the internal risk transaction attribute threshold from the database and perform risk control detection on the transaction attribute value by using the internal risk transaction attribute threshold.

[0013] In some embodiments of the present disclosure, based on the above technical solutions, the internal risk control module includes: a multi-party entity determination module configured to determine the current transaction entity in the current transaction and multiple third-party transaction entities having a transaction relationship with the current transaction entity within a preset period according to the basic transaction information and the characteristic transaction information; a multi-party entity detection module configured to obtain the multi-party risk transaction information from the database and perform risk control detection on the third-party transaction entities by using the multi-party risk transaction information.

[0014] In some embodiments of the present disclosure, based on the above technical solutions, the multi-party risk transaction information includes an internal risk subject list, a periodic risk subject quantity threshold, and a periodic risk transaction attribute threshold; the multi-party subject detection module includes: a multi-party risk subject determination module configured to determine whether the third-party transaction subject exists in the internal risk subject list; a risk subject quantity determination module configured to determine whether the quantity of the third-party transaction subjects exceeds the periodic risk subject quantity threshold; and a multi-party transaction attribute threshold determination module configured to determine the multi-party cumulative transaction attribute value between the current transaction subject and the third-party transaction subjects within the second preset period, and determine whether the multi-party cumulative transaction attribute value exceeds the periodic risk transaction attribute threshold.

[0015] According to one aspect of the embodiments of the present disclosure, there is provided a computer-readable medium having a computer program stored thereon, and when the computer program is executed by a processor, it implements the transaction risk control method in the above technical solutions.

[0016] According to one aspect of the embodiments of the present disclosure, there is provided an electronic device, which includes: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the transaction risk control method in the above technical solutions by executing the executable instructions.

[0017] In the technical solutions provided by the embodiments of the present disclosure, by performing feature extraction on the basic transaction information and further information collection, feature transaction information can be obtained. By combining the basic transaction information and the feature transaction information and performing risk control detection on both the internal risk control system and the external risk control system simultaneously, the comprehensiveness and accuracy of the risk control detection can be improved. In addition, the transaction risk control information obtained based on the internal risk control and the external risk control can take into account the business links of multiple executing subjects involved in the entire transaction process, and more comprehensive and multi-dimensional risk control information can be obtained, avoiding as many risk information as possible from the source, preventing risk accidents from occurring in the downstream of the business, and also avoiding process repetition caused by the fragmentation of the risk control subject, improving the transaction risk control efficiency, and shortening the business interaction process.

[0018] It should be understood that the above general description and the following detailed description are only exemplary and explanatory, and cannot limit the present disclosure. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] The accompanying drawings herein are incorporated into the specification and form a part of the specification, showing embodiments consistent with the present disclosure, and are used together with the specification to explain the principles of the present disclosure. Obviously, the following drawings in the description are only some embodiments of the present disclosure, and for those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts. In the drawings:

[0020] Figure 1 Shows a schematic diagram of an exemplary system architecture for applying the technical solution of the present disclosure;

[0021] Figure 2 Schematically shows a flowchart of the steps of a transaction risk control method in some embodiments of the present disclosure.

[0022] Figure 3 Schematically shows a flowchart of the steps of obtaining external risk control information using a blockchain network in an embodiment of the present disclosure.

[0023] Figure 4 Schematically shows a flowchart of the steps of a method for determining blockchain nodes for cross-regional transactions in an embodiment of the present disclosure.

[0024] Figure 5 Schematically shows a method of storing risk control information using a blockchain network in an embodiment of the present disclosure.

[0025] Figure 6 Schematically shows a flowchart of the steps of generating a new block on a blockchain network in an embodiment of the present disclosure.

[0026] Figure 7 Schematically shows a data sharing system based on a blockchain network in an embodiment of the present disclosure.

[0027] Figure 8 Schematically shows the composition structure of a blockchain in some embodiments of the present disclosure.

[0028] Figure 9 Schematically shows the process of generating a block by a blockchain in some embodiments of the present disclosure.

[0029] Figure 10 Schematically shows a flowchart of the steps of performing risk control detection based on a transaction entity and transaction content in an embodiment of the present disclosure.

[0030] Figure 11 Schematically shows a flowchart of the steps of performing risk control detection based on a third-party transaction entity in an embodiment of the present disclosure.

[0031] Figure 12 Schematically shows a flowchart of the steps of performing risk control detection using multi-party risk transaction information.

[0032] Figure 13 Schematically shows a block diagram of the structure of a transaction risk control device in some embodiments of the present disclosure.

[0033] Figure 14 Shows a schematic diagram of the structure of a computer system of an electronic device suitable for implementing the embodiments of the present disclosure. Detailed Implementation Modes

[0034] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the example embodiments to those skilled in the art.

[0035] In addition, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of the embodiments of this disclosure. However, those skilled in the art will realize that the technical solutions of this disclosure may be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. may be used. In other cases, well-known methods, devices, implementations, or operations are not shown or described in detail to avoid obscuring aspects of this disclosure.

[0036] The block diagrams shown in the drawings are merely functional entities and do not necessarily correspond to physically independent entities. That is, these functional entities may be implemented in software form, or in one or more hardware modules or integrated circuits, or in different networks and / or processor devices and / or microcontroller devices.

[0037] The flowcharts shown in the drawings are merely illustrative and do not necessarily include all of the content and operations / steps, nor do they necessarily have to be executed in the order described. For example, some operations / steps may be decomposed, while some operations / steps may be combined or partially combined, so the actual execution order may change according to the actual situation.

[0038] In the related art of this field, risk control detection for electronic transactions is a necessary measure to ensure transaction security. Risk control refers to measures, methods, rules, etc. related to risk detection taken by each transaction entity involved in the transaction process under their respective business links, aiming to effectively avoid risks, reduce or eliminate the possibility of risk accidents, and reduce economic or non-economic losses caused when risks occur. Taking cross-border remittance as an example, in addition to the two transaction parties, a cross-border remittance transaction also requires the cooperation of multiple entities such as service providers, partners, banks, and regulatory agencies to be completed. Among them, cross-border remittance refers to a financial foreign exchange business carried out from one country or region to another country or region, which complies with the financial supervision and quota rules of the country or region where it is located and is for individuals or enterprises. The service provider is a cooperative institution or merchant that provides cross-border remittance services. The partner is a cooperative institution or merchant that is responsible for completing steps such as collecting and feedback of remittance information at the recipient's location during the cross-border remittance process. In traditional transaction risk control methods, only when the business link involved in the transaction process reaches a certain entity, will that entity conduct risk control detection according to its own risk control rules. After passing the detection and completing the relevant business, the business link will then be transferred to the next entity. This independent risk control method is difficult to meet the requirements of transaction risk control for comprehensiveness and accuracy, and there are also problems such as low risk control efficiency and long transaction process.

[0039] Based on the problems existing in the above solutions, the present disclosure provides a transaction risk control method, a transaction risk control device, a computer-readable medium, and an electronic device that take into account the overall transaction process and can obtain more comprehensive and multi-dimensional risk control information.

[0040] Figure 1 An exemplary system architecture diagram applying the technical solution of the present disclosure is shown.

[0041] As Figure 1 shown, the system architecture 100 may include a client 110, a network 120, and a server 130. The client 110 may include various terminal devices such as smartphones, tablets, laptops, and desktop computers. The server 130 may include various server devices such as web servers, application servers, and database servers. The network 120 may be a communication medium of various connection types that can provide a communication link between the client 110 and the server 130. For example, it may be a wired communication link, a wireless communication link, etc.

[0042] According to the implementation requirements, the system architecture in the embodiments of the present disclosure may have any number of clients, networks, and servers. For example, the server 130 may be a server group composed of multiple server devices. In addition, the transaction risk control method in the embodiments of the present disclosure may be applied to the client 110 or the server 130, and the present disclosure does not make special limitations on this.

[0043] For example, when a user initiates a transaction request on client 110, such as a remittance transaction request, they can use the human-computer interface of client 110 to collect various basic information such as the remitter, beneficiary, remittance amount, and remittance purpose. The collected relevant information can then be sent to server 130 via network 120. Server 130 then performs risk control checks on the remittance transaction, which can specifically include internal risk control based on the database and external risk control based on the blockchain network, thereby obtaining risk control information related to the remittance transaction. Based on the obtained risk control information, a determination can be made as to whether the transaction request meets the risk control requirements. If the risk control requirements are met, the remittance transaction request can be passed to a partner or other entity to continue the subsequent business process.

[0044] The transaction risk control method, transaction risk control device, computer-readable medium, and electronic device provided by the present disclosure are described in detail below in conjunction with specific implementation methods.

[0045] Figure 2 The following schematically shows a flow chart of the steps of the transaction risk control method in some embodiments of the present disclosure. Figure 2 As shown, the method may mainly include the following steps:

[0046] Step S210: Obtain basic transaction information of the current transaction, and retrieve characteristic transaction information related to the basic transaction information from the database.

[0047] The basic transaction information of the current transaction may mainly include information related to the transaction subject and the transaction content. Taking remittance transactions as an example, the basic transaction information may include the basic information of the remitter and the remittee as the transaction subjects, and may also include the remittance amount, remittance purpose and other relevant information. The way to obtain basic transaction information may be, for example, to collect information through the human-computer interaction interface of the client, and the collection method may include two methods: user active submission and user inquiry. Among them, the information actively submitted by the user includes but is not limited to: the user's name, first name, gender, age, birthday, nationality, etc. The information inquired from the user includes but is not limited to: the relationship between the two parties to the transaction, the purpose of the transaction, etc. The inquiry information acquisition method includes list selection and manual input, etc. In this step, by extracting features from the basic transaction information, characteristic transaction information related to the basic transaction information can be further obtained through the database. The characteristic transaction information may include, for example, the user's resident ID number or other information with identity identification function, and may also include information such as the user's historical transaction records.

[0048] Step S220: Perform risk control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction.

[0049] For the basic transaction information and characteristic transaction information obtained in step S210, this step can use the internal risk control system to perform risk control detection on them. The internal risk control system refers to the risk control system managed and maintained by the execution entity of the current business link (such as the service provider providing cross-border remittance services). This system provides methods and rules for performing risk control detection on a transaction. For example, the internal risk control system can establish and maintain a blacklist, and the people on the blacklist do not meet the relevant regulatory and legal rules or have greater risks. Generally speaking, if the transaction entity involved in the current transaction appears on the blacklist, it can be determined that the relevant transaction entity is not within the scope of the transaction service. Using the internal risk control system to perform risk control detection can obtain the internal risk control information of the current transaction. The content of the internal risk control information can, for example, include whether the current transaction passes the risk control detection. If the detection result is not passed, it can also include the reason for the non-passing detection. Optionally, the internal risk control system can also set two or more risk control levels corresponding to different rules and standards, and form internal risk control information corresponding to different risk control levels for the current transaction.

[0050] Step S230. Obtain external risk control information related to the current transaction from the blockchain network according to the basic transaction information and the characteristic transaction information.

[0051] The execution entity of the current business process (i.e., the internal execution entity) can join a blockchain network as a blockchain node, and the external execution entity that cooperates with the internal execution entity to complete the current transaction can be other nodes on the blockchain network. In this step, an external risk control system based on the blockchain network can be used to obtain external risk control information related to the current transaction. The external risk control system is a risk control system managed and maintained by execution entities other than the execution entity of the current business process. For example, if the internal execution entity managing the internal risk control system is the service provider providing cross-border remittance services, then the execution entities managing the external risk control system can be external execution entities such as cooperation parties, banks, regulatory agencies, etc. that cooperate with the service provider to jointly complete cross-border remittance services. The internal execution entity and the external execution entity generally target different user groups, and there is a certain degree of overlap and correlation between their respective user groups. Therefore, there is a certain correlation between the internal risk control system and the external risk control system in terms of risk control rules, while there are certain differences in terms of risk control requirements and risk control details. For example, similar to the internal risk control system, the external risk control system can also establish and maintain a blacklist for different user groups. In addition, according to the information collection scope and information acquisition ability of the external execution entity, the external risk control system can also provide other forms of external risk control information based on the user's credit record, criminal record, sanction list, etc.

[0052] Step S240. Determine the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

[0053] The transaction risk control information of the current transaction can be determined by integrating the internal risk control information and the external risk control information. Based on the transaction risk control information, an evaluation can be made on the security of the current transaction. If the transaction risk control information indicates that there are security risks in certain links or dimensions of the current transaction, a security reminder can be provided to the user or the current transaction can be directly rejected.

[0054] In the transaction risk control method provided by the embodiments of the present disclosure, characteristic transaction information can be obtained by extracting features from the basic transaction information and further collecting information. By combining the basic transaction information and the characteristic transaction information, risk control detection is simultaneously performed on the internal risk control system based on the database and the external risk control system based on the blockchain network, which can improve the comprehensiveness and accuracy of risk control detection. In addition, the transaction risk control information obtained based on internal and external risk control can take into account the business links of multiple executing entities involved in the entire transaction process, and more comprehensive and multi-dimensional risk control information can be obtained, avoiding as many risk information as possible from the source, preventing risk accidents from occurring in the downstream of the business, and also avoiding process repetition caused by the fragmentation of risk control entities, improving the efficiency of transaction risk control and shortening the business interaction process.

[0055] In addition, using the blockchain network for external risk control can enable data sharing among various business executing entities such as transaction service providers, partners, banks, and regulatory agencies, improving the comprehensiveness and accuracy of transaction risk control.

[0056] Figure 3 Schematically shows the step flow chart of obtaining external risk control information using the blockchain network in the embodiments of the present disclosure. As Figure 3 shown, based on the above embodiments, obtaining the external risk control information related to the current transaction in step S230 may include the following steps:

[0057] Step S310. Determine multiple blockchain nodes located on the blockchain network.

[0058] The blockchain network as a data sharing system is a network system formed by connecting many blockchain nodes through point-to-point communication. Any two interconnected blockchain nodes can perform data communication through the P2P protocol (Peer To Peer), and the P2P protocol is an application layer protocol running on top of the Transmission Control Protocol (TCP).

[0059] Step S320. Obtain the to-be-verified risk control information related to the current transaction from multiple blockchain nodes respectively, and perform consistency verification on the to-be-verified risk control information.

[0060] The complete blockchain can be stored on some or all of the blockchain nodes in the blockchain network, and the risk control information formed by different blockchain nodes for transaction risk control is stored in each block linked to the blockchain. Based on the multiple blockchain nodes determined in step S310, in this step, the to-be-verified risk control information related to the current transaction can be obtained from each blockchain node according to the basic transaction information and the characteristic transaction information respectively, and at the same time, the consistency check can be performed on the to-be-verified risk control information from different blockchain nodes to determine whether the to-be-verified risk control information provided by different blockchain nodes is consistent.

[0061] Step S330. When the result of the consistency check is consistent, determine the to-be-verified risk control information as the external risk control information related to the current transaction.

[0062] If the to-be-verified risk control information obtained from each blockchain node is verified to be consistent, then it can be considered that the to-be-verified risk control information is accurate data that has passed the consensus authentication, so it can be used as the external risk control information related to the current transaction.

[0063] By performing a consistency check on the data stored on multiple blockchain nodes, problems such as information being tampered with or data transmission errors can be avoided, thereby further improving the accuracy and credibility of transaction risk control.

[0064] In transactions with obvious regional characteristics such as cross-border remittances, due to the differences in laws, regulations, languages, currencies, etc. in different countries or regions, it will also have a greater impact on the transaction flow links and complexity. Figure 4 Schematically shows the flowchart of the method steps for determining blockchain nodes for cross-regional transactions in the embodiments of the present disclosure. As Figure 4 shown, on the basis of the above embodiments, step S310. Determine multiple blockchain nodes located on the blockchain network, which may include the following steps:

[0065] Step S410. Determine the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information, and obtain the regional identification information of the counterparty transaction entity.

[0066] There is data related to the trading parties involved in the current transaction in the basic transaction information and the characteristic transaction information. Based on this data, the current trading party and the counterparty in the current transaction can be determined. For example, in a cross-border remittance transaction, the current trading party can be the remitter, and the counterparty can be the recipient located overseas. In this step, while determining the counterparty, the regional identification information of the counterparty can be obtained. This regional identification information is a distinguishing identifier of the country or region where the counterparty is located. Trading parties located in the same region can have the same regional identification, while trading parties located in different regions should have different regional identifications. In addition, the regional identification can also be used to judge the regional position relationship of different trading parties.

[0067] Step S420. Query the node identification list according to the regional identification information to determine multiple blockchain nodes related to the counterparty.

[0068] The node identification list stores the node information of some or all of the blockchain nodes that make up the blockchain network, which includes the regional identification corresponding to each blockchain node. According to the regional identification information of the counterparty obtained in step S410, the blockchain nodes located in the same region or related regions as the counterparty can be found by querying the node identification list. Subsequently, the risk control information to be verified can be obtained from these blockchain nodes that have regional relevance to the counterparty. For example, the current trading party is a user located in region A, and this user needs to remit money to a counterparty located in region B. Then this step can query the blockchain nodes with the regional identification of region B in the node identification list and use these blockchain nodes as the data source for obtaining the risk control information to be verified.

[0069] In the embodiments of the present disclosure, by dividing the regional identification of the blockchain nodes on the blockchain network, the transaction risk control information formed in different regions can be accurately obtained, while improving the accuracy and comprehensiveness of the information, getting rid of the limitations of regional factors on information processing, analysis and transmission.

[0070] Figure 5 Schematically shows the method of using the blockchain network to store risk control information in the embodiments of the present disclosure. As Figure 5 shown, the method may include the following steps:

[0071] Step S510. Encode the basic transaction information, characteristic transaction information, and transaction risk control information to obtain risk control encoded data.

[0072] For the basic transaction information, characteristic transaction information used as the basis for risk control detection in the current transaction, and the transaction risk control information as the risk control detection result, this step encodes them to obtain risk control encoded data. For example, the encoding method can adopt hash encoding.

[0073] Step S520. Broadcast the risk control encoded data to the blockchain network to store the risk control encoded data in the blocks of the blockchain network.

[0074] The risk control encoded data obtained through information encoding can be broadcast to the blockchain network. After a new block is generated, the risk control encoded data is stored in the blocks of the blockchain network, realizing data sharing among blockchain nodes.

[0075] Figure 6 Schematically shows the step flow chart of generating a new block on the blockchain network in the embodiments of the present disclosure. As Figure 6 shown, based on the above embodiments, storing the risk control encoded data in the blocks of the blockchain network in step S520 may include the following steps:

[0076] Step S610. Store the risk control encoded data in the block body of the current block to be consensus.

[0077] Each block constituting the blockchain includes two data storage areas: a block header and a block body. The block body is used to store all the data recorded in the current block. For example, the risk control encoded data obtained by encoding relevant information is stored in the block body of the current block. The block header is used to store the link information between the current block and the previous block. Using the data stored in the block header, all blocks can be linked one by one to form a complete blockchain.

[0078] Step S620. When the block generation condition is met, obtain the block header data of the previous block in the blockchain network, and calculate the parent block feature value according to the block header data.

[0079] When a certain block generation condition is met, this step can obtain the block header data of the previous block (i.e., the newly generated block closest) in the blockchain network. According to the block header data, the parent block feature value of the current block can be calculated. For example, the SHA256 algorithm can be used to perform a hash operation on the block header data of the previous block to obtain a hash value as the parent block feature value of the current block. The block generation condition in this step can be that the time since the generation of the previous block reaches a time threshold, or the data stored in the block body of the current block reaches a data volume threshold. Additionally, it can also be any other preset condition for triggering the generation of a new block. This embodiment does not make special limitations on this.

[0080] Step S630. Calculate the block body feature value of the current block based on the data stored in the block body of the current block.

[0081] The block body of the current block stores risk control coding data formed by different nodes performing risk control detection on various transactions over a period of time. Based on the data stored in the block body, this step can obtain a hash value as the block body feature value of the current block. Taking hash coding as an example, all the risk control coding data in the block body can be stored in the block body in the form of a Merkle Tree. Specifically, the risk control coding data can be stored in the leaf nodes of the Merkle Tree. After combining the risk control coding data stored in every two adjacent leaf nodes and performing a hash operation again, a hash value stored in a child node can be obtained. By using this method of pairwise combining the hash values stored in the child nodes and performing hash operations layer by layer upwards, a root node hash value can be finally obtained, and this root node hash value can be used as the block body feature value of the current block.

[0082] Step S640. Save the parent block feature value, the block body feature value, and the time stamp of the current time in the block header of the current block.

[0083] After the parent block feature value and the block body feature value are respectively calculated by Step S620 and Step S630, this step can generate a time stamp based on the current time, and this time stamp is used to record the generation time of the current block. Then, the parent block feature value, the block body feature value, and the time stamp can be jointly saved in the block header of the current block.

[0084] Step S650. Broadcast the current block to the blockchain network for consensus authentication of the current block, and link the current block to the blockchain when the authentication is passed.

[0085] After completing the saving of the block header data, this step will broadcast the current block composed of the block header and the block body to the blockchain network. After passing the consensus authentication, all or part of the blockchain nodes in the blockchain network will save the current block, that is, complete the process of adding the current block to the blockchain.

[0086] Figure 7 Schematically shows a data sharing system based on a blockchain network in an embodiment of the present disclosure. As Figure 7As shown, the data sharing system 700 refers to a system for data sharing between nodes. The data sharing system may include multiple nodes 710, and the multiple nodes 710 may refer to each client in the data sharing system. When each node 710 is operating normally, it can receive input information and maintain the shared data within the data sharing system based on the received input information. To ensure information interconnection within the data sharing system, there may be information connections between each pair of nodes in the data sharing system, and nodes can transmit information through the above-mentioned information connections. For example, when any node in the data sharing system receives input information, other nodes in the data sharing system obtain the input information according to the consensus algorithm and store the input information as data in the shared data, so that the data stored on all nodes in the data sharing system is consistent.

[0087] For each node in the data sharing system, there is a corresponding node identifier, and each node in the data sharing system can store the node identifiers of other nodes in the data sharing system, so that subsequently, according to the node identifiers of other nodes, the generated block can be broadcast to other nodes in the data sharing system. Each node can maintain a node identifier list as shown in the following table, and store the node name and node identifier correspondingly in the node identifier list. Among them, the node identifier can be an IP (Internet Protocol) address and any other information that can be used to identify the node. Only the IP address is used as an example in Table 1 for illustration.

[0088] Node Name Node Identifier Node 1 117.114.151.174 Node 2 117.116.189.145 … … Node N 119.123.789.258

[0089] Each node in the data sharing system stores an identical blockchain. The blockchain consists of multiple blocks. Figure 8 Schematically shows the composition structure of the blockchain in some embodiments of the present disclosure. As Figure 8 shown, the blockchain consists of multiple blocks. The genesis block includes a block header and a block body. The block header stores the input information feature value, version number, timestamp, and difficulty value. The block body stores the input information. The next block of the genesis block uses the genesis block as the parent block. The next block also includes a block header and a block body. The block header stores the input information feature value of the current block, the block header feature value of the parent block, version number, timestamp, and difficulty value, and so on. This ensures that the block data stored in each block in the blockchain is associated with the block data stored in the parent block, guaranteeing the security of the input information in the block.

[0090] Figure 9 Schematically shows the process of generating a block from the blockchain in some embodiments of the present disclosure. As Figure 9As shown, when the node where the blockchain is located receives the input information, it verifies the input information. After the verification is completed, the input information is stored in the memory pool, and its hash tree for recording the input information is updated. Then, the update timestamp is updated to the time when the input information is received, and different random numbers are tried, and the eigenvalue calculation is performed multiple times so that the calculated eigenvalue can satisfy the following formula:

[0091] SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))<TARGET

[0092] Wherein, SHA256 is the eigenvalue algorithm used to calculate the eigenvalue; version (version number) is the version information of the relevant block protocol in the blockchain; prev_hash is the block header eigenvalue of the parent block of the current block; merkle_root is the eigenvalue of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, which is a fixed value within a period of time and is determined again after exceeding the fixed time period; x is a random number; TARGET is the eigenvalue threshold, and this eigenvalue threshold can be determined according to nbits.

[0093] In this way, when a random number that satisfies the above formula is calculated, the information can be stored correspondingly, a block header and a block body are generated, and the current block is obtained. Subsequently, the node where the blockchain is located sends the newly generated block to other nodes in the data sharing system where it is located according to the node identifiers of other nodes in the data sharing system. Other nodes verify the newly generated block and add the newly generated block to the blockchain they store after the verification is completed. The risk control detection of the basic transaction information and the characteristic transaction information can be mainly performed from two dimensions: the transaction subject and the transaction content. Figure 10 Schematically shows the flowchart of the steps for risk control detection based on the transaction subject and the transaction content in the embodiments of the present disclosure. As Figure 10 shown, on the basis of the above embodiments, the risk control detection of the basic transaction information and the characteristic transaction information in step S220 may include the following steps:

[0094] Step S1010. Determine the current transaction subject and the counterparty transaction subject in the current transaction according to the basic transaction information and the characteristic transaction information, and determine the transaction attribute value related to the current transaction subject.

[0095] In a bilateral transaction, at least two parties are involved, namely the current transaction party and the counterparty. For example, in a remittance transaction, the remitter, who is the initiator of the transaction, is the current transaction party, and the corresponding payee is the counterparty. When initiating a remittance transaction application, the current transaction party can input basic transaction information through the client. The basic transaction information includes at least the names, account numbers, etc. of the remitter and the payee, and may also include other basic information such as gender, age, birthday, nationality, relationship between the two parties, and transaction purpose. The characteristic transaction information related to the basic transaction information may include the resident identity card numbers or other identity identification information of the remitter and the payee retrieved and queried from the database. Additionally, it may also include fingerprint information for fingerprint recognition verification, face images for face recognition verification, etc. Based on this information, the current transaction party and the counterparty involved in the current transaction can be uniquely determined.

[0096] In addition to the transaction party information, the basic transaction information also includes information related to the transaction content. For example, in transactions involving financial services such as lending transactions or remittance transactions, the basic transaction information may include information such as the lending amount or the remittance amount. Using the basic transaction information, characteristic transaction information related to the current transaction party can also be retrieved and queried from the database, such as the remittance transaction records and receipt transaction records of the current transaction party. The transaction attribute value related to the current transaction party determined based on this information may be the remittance amount of the current transaction party within a certain time period. In some alternative embodiments, the transaction attribute value may include the current transaction attribute value corresponding to the current transaction and the cumulative transaction attribute value within the first preset period. For example, the current transaction attribute value may be the remittance amount of the current remittance transaction, and the cumulative transaction attribute value may be the cumulative remittance amount of the current transaction party in the most recent month or the most recent year. Step S1020. Obtain the internal risk subject information from the database and use the internal risk subject information to perform risk control detection on the current transaction party and the counterparty.

[0097] The database may store the identity information and behavior information of some transaction parties. For transaction parties that may pose transaction risks, information integration can be performed to form internal risk subject information. Using the internal risk subject information, risk control detection can be performed on the current transaction party and the counterparty determined in step S1010. The internal risk subject information may be presented in the form of credit records, criminal records, sanction lists, blacklists, etc. For example, the internal risk subject information may include an internal risk subject list composed of the identity information of defaulters. In this step, it is respectively determined whether the current transaction party and the counterparty are on the internal risk subject list. If the identity information of any one of them matches the information on the internal risk subject list, it can be determined that the current transaction has transaction risks.

[0098] Step S1030. Obtain the internal risk transaction attribute threshold from the database, and use the internal risk transaction attribute threshold to perform risk control detection on the transaction attribute value.

[0099] The internal risk transaction attribute threshold can be preset in the database. Taking this threshold as the judgment standard, risk control detection can be performed on the transaction attribute value determined in step S1010. In some optional embodiments, the internal risk transaction attribute threshold may include a single-transaction attribute threshold corresponding to the current transaction attribute value and an accumulated transaction attribute threshold corresponding to the accumulated transaction attribute value. Correspondingly, the steps of using the internal risk transaction attribute threshold to perform risk control detection on the transaction attribute value include: determining whether the current transaction attribute value exceeds the single-transaction attribute threshold; determining whether the accumulated transaction attribute value exceeds the accumulated transaction attribute threshold. If it is determined that the current transaction attribute value exceeds the single-transaction attribute threshold or it is determined that the accumulated transaction attribute value exceeds the accumulated transaction attribute threshold, then it can be considered that there is a certain transaction risk in the current transaction.

[0100] The risk control detection performed in the above embodiments only involves the current transaction subject and the counterparty transaction subject in the current transaction. If the standard of risk control detection is further improved, risk control detection can also be performed on the relevant information of the third-party transaction subjects related to the current transaction subject. The third-party transaction subject may be other subjects that have transaction dealings with the current transaction subject within a certain time period.

[0101] Figure 11 Schematically shows the flowchart of the steps for performing risk control detection based on the third-party transaction subject in the embodiments of the present disclosure. As Figure 11 shown, on the basis of the above embodiments, the risk control detection of the basic transaction information and the characteristic transaction information in step S220 may include the following steps:

[0102] Step S1110. Determine the current transaction subject of the current transaction and multiple third-party transaction subjects that have a transaction relationship with the current transaction subject within a preset period according to the basic transaction information and the characteristic transaction information.

[0103] The current transaction subject of the current transaction can be determined according to the basic transaction information and the characteristic transaction information. The determination method can refer to the relevant descriptions of the above embodiments and will not be elaborated here. In addition, this step can determine several third-party transaction subjects that have a transaction relationship with the current transaction subject within the second preset period. For example, if the user has initiated remittance services to multiple payees in the recent month or the recent year, then these payees are used as the third-party transaction subjects.

[0104] Step S1120. Obtain the multi-party risk transaction information from the database, and use the multi-party risk transaction information to perform risk control detection on the third-party transaction subjects.

[0105] In the database, multi-party risk transaction information for multiple trading parties can be pre-configured. Similar to the risk control detection method for bilateral transactions in the above embodiments, this step can also perform risk control detection on the third-party trading party from two aspects: the trading party and the trading content. The specific detection method can refer to the relevant descriptions in the above embodiments and will not be elaborated here.

[0106] In some alternative embodiments, the multi-party risk transaction information determined in step S1120 may specifically include information such as an internal risk subject list, a threshold for the number of periodic risk subjects, and a threshold for periodic risk transaction attributes. The internal risk subject list is a list of identity information of dishonest persons established and held by the current executing entity, that is, a blacklist. The threshold for the number of periodic risk subjects is the upper limit of the number of other trading parties having a trading relationship with the current trading party within a certain time period, and the threshold for periodic risk transaction attributes is the upper limit of the cumulative transaction attribute value generated from transactions with other trading parties within a certain time period.

[0107] On this basis, Figure 12 Schematically shows a flowchart of the steps for performing risk control detection using multi-party risk transaction information. As Figure 12 shown, the use of multi-party risk transaction information to perform risk control detection on the third-party trading party in step S1120 may include the following steps:

[0108] Step S1210. Determine whether the third-party trading party exists in the internal risk subject list.

[0109] If any third-party trading party matches the subject information in the internal risk subject list, it can be determined that there is a certain trading risk in the current transaction.

[0110] Step S1220. Determine whether the number of third-party trading parties exceeds the threshold for the number of periodic risk subjects.

[0111] If the number of third-party trading parties having a trading relationship with the current trading party within the second preset period exceeds the threshold for the number of periodic risk subjects, it can be determined that there is a certain trading risk in the current transaction.

[0112] Step S1230. Determine the multi-party cumulative transaction attribute value between the current trading party and the third-party trading party within the second preset period, and determine whether the multi-party cumulative transaction attribute value exceeds the threshold for periodic risk transaction attributes.

[0113] For the transactions that the current trading party has with the third-party trading party within the second preset period, this step can count the transaction attribute values of each transaction to obtain the multi-party cumulative transaction attribute value. If this multi-party cumulative transaction attribute value exceeds the threshold for periodic risk transaction attributes, it can be determined that there is a certain trading risk in the current transaction.

[0114] For example, in the current transaction, the current transaction entity acting as the remitter remits funds to the counterparty transaction entity acting as the payee. The current transaction entity also remits funds to multiple other transaction entities other than the counterparty transaction entity within a certain time period, that is, remits funds to multiple third-party transaction entities. If any one or more of the following conditions are met, it can be determined that there is a certain transaction risk in the current transaction.

[0115] (1) Any third-party transaction entity acting as the payee is on the internal risk entity list.

[0116] (2) The number of third-party transaction entities acting as the payee exceeds the threshold of the number of periodic risk entities.

[0117] (3) The total amount of funds remitted by the current transaction entity to the third-party transaction entity exceeds the threshold of the periodic risk transaction attribute.

[0118] Another example is that in the current transaction, the current transaction entity acting as the remitter remits funds to the counterparty transaction entity acting as the payee. Within a certain time period, there are also multiple other transaction entities other than the current transaction entity remitting funds to the counterparty transaction entity, that is, there are multiple third-party transaction entities remitting funds to the counterparty transaction entity. If any one or more of the following conditions are met, it can be determined that there is a certain transaction risk in the current transaction.

[0119] (1) Any third-party transaction entity acting as the remitter is on the internal risk entity list.

[0120] (2) The number of third-party transaction entities acting as the remitter exceeds the threshold of the number of periodic risk entities.

[0121] (3) The total amount of funds remitted by multiple third-party transaction entities to the counterparty transaction entity exceeds the threshold of the periodic risk transaction attribute.

[0122] The above embodiments illustrate the risk control detection method for obtaining internal risk control information. The same or similar risk control detection methods can also be adopted on other blockchain nodes of the blockchain network, so as to provide external risk control information related to the current transaction. After obtaining the transaction risk control information of the current transaction through risk control detection using the internal risk control system and the external risk control system, the relevant information can be stored locally, in the cloud database or on the blockchain, etc., to provide a detection basis for the risk control of subsequent other transactions.

[0123] It should be noted that although the steps of the method in the present disclosure are described in a specific order in the accompanying drawings, this does not require or imply that these steps must be performed in that specific order, or that all the steps shown must be performed to achieve the desired result. Additionally or alternatively, some steps may be omitted, multiple steps may be combined into one step for execution, and / or one step may be decomposed into multiple steps for execution, etc.

[0124] The following introduces the device embodiments of the present disclosure, which can be used to execute the transaction risk control method in the above embodiments of the present disclosure. For details not disclosed in the device embodiments of the present disclosure, please refer to the embodiments of the above transaction risk control method of the present disclosure.

[0125] Figure 13 Schematically shows the structural block diagram of the transaction risk control device in some embodiments of the present disclosure. As Figure 13 shown, the transaction risk control device 1300 mainly may include: a transaction information acquisition module 1310, configured to acquire the basic transaction information of the current transaction and retrieve the characteristic transaction information related to the basic transaction information in the database; an internal risk control module 1320, configured to perform risk control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction; an external risk control module 1330, configured to obtain the external risk control information related to the current transaction from the blockchain network according to the basic transaction information and the characteristic transaction information; and a risk control information determination module 1340, configured to determine the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

[0126] In some embodiments of the present disclosure, based on the above embodiments, the external risk control module includes: a node determination module, configured to determine a plurality of blockchain nodes located on the blockchain network; an information verification module, configured to respectively obtain the to-be-verified risk control information related to the current transaction from the plurality of blockchain nodes and perform consistency verification on the to-be-verified risk control information; and an information determination module, configured to, when the result of the consistency verification is consistent, determine the to-be-verified risk control information as the external risk control information related to the current transaction.

[0127] In some embodiments of the present disclosure, based on the above embodiments, the node determination module includes: a region identification module, configured to determine the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information and obtain the region identification information of the counterparty transaction entity; and a node query module, configured to query the node identification list according to the region identification information to determine a plurality of blockchain nodes related to the counterparty transaction entity.

[0128] In some embodiments of the present disclosure, based on the above embodiments, the transaction risk control device further includes: a data encoding module configured to encode the basic transaction information, the characteristic transaction information, and the transaction risk control information to obtain risk control encoded data; a data storage module configured to broadcast the risk control encoded data to the blockchain network to store the risk control encoded data in the blocks of the blockchain network.

[0129] In some embodiments of the present disclosure, based on the above embodiments, the data storage module includes: a block body storage module configured to store the risk control encoded data in the block body of the current block to be consensus; a parent block feature value generation module configured to, when the block generation condition is satisfied, obtain the block header data of the previous block in the blockchain network and calculate the parent block feature value according to the block header data; a block body feature value generation module configured to calculate the block body feature value of the current block according to the data stored in the block body of the current block; a block header storage module configured to store the parent block feature value, the block body feature value, and the time stamp of the current time in the block header of the current block; a block linking module configured to broadcast the current block to the blockchain network for consensus authentication of the current block and link the current block to the blockchain when the authentication is passed.

[0130] In some embodiments of the present disclosure, based on the above embodiments, the internal risk control module includes: a both parties' entity determination module configured to determine the current transaction entity and the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information, and determine the transaction attribute value related to the current transaction entity; a both parties' entity detection module configured to obtain the internal risk entity information from the database and perform risk control detection on the current transaction entity and the counterparty transaction entity by using the internal risk entity information. An attribute value detection module configured to obtain the internal risk transaction attribute threshold from the database and perform risk control detection on the transaction attribute value by using the internal risk transaction attribute threshold.

[0131] In some embodiments of the present disclosure, based on the above embodiments, the internal risk control module includes: a multiple parties' entity determination module configured to determine the current transaction entity of the current transaction and multiple third-party transaction entities having a transaction relationship with the current transaction entity within a preset period according to the basic transaction information and the characteristic transaction information; a multiple parties' entity detection module configured to obtain the multiple parties' risk transaction information from the database and perform risk control detection on the third-party transaction entities by using the multiple parties' risk transaction information.

[0132] In some embodiments of the present disclosure, based on the above embodiments, the multi-party risk transaction information includes a list of internal risk entities, a threshold for the number of periodic risk entities, and a threshold for multi-party transaction attributes of a period; the multi-party entity detection module includes: a multi-party risk entity judgment module configured to judge whether a third-party transaction entity exists in the list of internal risk entities; a risk entity number judgment module configured to judge whether the number of third-party transaction entities exceeds the threshold for the number of periodic risk entities; a multi-party transaction attribute threshold judgment module configured to determine the multi-party cumulative transaction attribute value of the current transaction entity and the third-party transaction entity within a second preset period, and judge whether the multi-party cumulative transaction attribute value exceeds the threshold for multi-party transaction attributes of a period.

[0133] The specific details of the transaction risk control device provided in the embodiments of the present disclosure have been described in detail in the corresponding method embodiments, and thus will not be elaborated here.

[0134] Figure 14 The structural diagram of a computer system of an electronic device suitable for implementing the embodiments of the present disclosure is shown.

[0135] It should be noted that Figure 14 The computer system 1400 of the electronic device shown is only an example and should not impose any limitation on the functions and scope of use of the embodiments of the present disclosure.

[0136] As Figure 14 shown, the computer system 1400 includes a central processing unit (CPU) 1401, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 1402 or the program loaded from the storage section 1408 into the random access memory (RAM) 1403. In the RAM 1403, various programs and data required for system operation are also stored. The CPU 1401, ROM 1402, and RAM 1403 are connected to each other through a bus 1404. The input / output (I / O) interface 1405 is also connected to the bus 1404.

[0137] The following components are connected to the I / O interface 1405: an input section 1406 including a keyboard, a mouse, etc.; an output section 1407 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1408 including a hard disk, etc.; and a communication section 1409 including a network interface card such as a LAN (Local Area Network) card, a modem, etc. The communication section 1409 performs communication processing via a network such as the Internet. A drive 1410 is also connected to the I / O interface 1405 as needed. A removable medium 1411, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1410 as needed so that a computer program read therefrom is installed into the storage section 1408 as needed.

[0138] Specifically, according to an embodiment of the present disclosure, the processes described in each method flowchart can be implemented as a computer software program. For example, an embodiment of the present disclosure includes a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes program codes for performing the methods shown in the flowcharts. In such an embodiment, the computer program can be downloaded and installed from a network through the communication section 1409, and / or installed from the removable medium 1411. When the computer program is executed by a central processing unit (CPU) 1401, various functions defined in the system of the present application are executed.

[0139] It should be noted that the computer-readable medium shown in the embodiments of the present disclosure can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of the computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a flash memory, an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, the computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in combination with an instruction execution system, apparatus, or device. In the present disclosure, the computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, in which computer-readable program code is carried. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, and this computer-readable medium can send, propagate, or transmit a program for use by or in combination with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted by any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the above.

[0140] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks can occur in a different order than marked in the accompanying drawings. For example, two consecutive blocks shown can actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0141] It should be noted that although several modules or units of the device for action execution are mentioned in the above detailed description, such a division is not mandatory. In fact, according to the embodiments of the present disclosure, the features and functions of two or more modules or units described above can be embodied in one module or unit. Conversely, the features and functions of one module or unit described above can be further divided and embodied by multiple modules or units.

[0142] Through the description of the above embodiments, those skilled in the art can easily understand that the example embodiments described herein can be implemented by software, or by a combination of software and necessary hardware. Therefore, the technical solutions according to the embodiments of the present disclosure can be embodied in the form of a software product, which can be stored in a non-volatile storage medium (such as a CD-ROM, a USB flash drive, a mobile hard disk, etc.) or on a network, and includes several instructions to enable a computing device (such as a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

[0143] After considering the specification and practicing the invention disclosed herein, those skilled in the art will readily conceive of other embodiments of the present disclosure. This application is intended to cover any variations, uses, or adaptations of the present disclosure, which follow the general principles of the present disclosure and include known common knowledge or conventional technical means in the technical field not disclosed by the present disclosure.

[0144] It should be understood that the present disclosure is not limited to the exact structures already described and shown in the drawings, and various modifications and changes can be made without departing from its scope. The scope of the present disclosure is only limited by the appended claims.

Claims

1. A trading risk control method, characterized in that, Including: Obtain the basic transaction information of the current transaction, and retrieve the characteristic transaction information related to the basic transaction information in the database; The basic transaction information includes information related to the transaction subject and the transaction content, and the characteristic transaction information includes information with an identity identification function and the historical transaction records of the transaction subject; Perform risk control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction; the internal risk control information of the current transaction is obtained by performing risk control detection using an internal risk control system, and the internal risk control system is a risk control system managed and maintained by the execution subject of the current business link; According to the basic transaction information and the characteristic transaction information, obtain the external risk control information related to the current transaction from the blockchain network; The external risk control information related to the current transaction is obtained using an external risk control system based on the blockchain network, and the external risk control system is a risk control system managed and maintained by other execution subjects except the execution subject of the current business link; Determine the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information; Among them, the obtaining of the external risk control information related to the current transaction from the blockchain network includes: determining a plurality of blockchain nodes located on the blockchain network; respectively obtaining the to-be-verified risk control information related to the current transaction from the plurality of blockchain nodes, and performing a consistency check on the to-be-verified risk control information; when the result of the consistency check is consistent, determine the to-be-verified risk control information as the external risk control information related to the current transaction; The determining of the plurality of blockchain nodes located on the blockchain network includes: determining the counterparty transaction subject in the current transaction according to the basic transaction information and the characteristic transaction information, and obtaining the geographical identification information of the counterparty transaction subject; querying the node identification list according to the geographical identification information to determine a plurality of blockchain nodes related to the counterparty transaction subject; the plurality of blockchain nodes have geographical relevance to the counterparty transaction subject.

2. The transaction risk control method according to claim 1, wherein The method further includes: Encode the basic transaction information, the characteristic transaction information, and the transaction risk control information to obtain risk control encoded data; Broadcast the risk control encoded data to the blockchain network to save the risk control encoded data in the block of the blockchain network.

3. The transaction risk control method according to claim 2, wherein The saving of the risk control encoded data in the block of the blockchain network includes: Saving the risk control encoded data in the block body of the current block to be consensus; When the block generation condition is met, obtain the block header data of the previous block in the blockchain network, and calculate the parent block feature value according to the block header data; Calculate the block body feature value of the current block according to the data saved in the block body of the current block; Save the parent block feature value, the block body feature value, and the time stamp of the current time in the block header of the current block; Broadcast the current block to the blockchain network for consensus authentication of the current block, and link the current block to the blockchain when the authentication is passed.

4. The transaction risk control method according to claim 1, wherein The risk control detection of the basic transaction information and the characteristic transaction information includes: Determine the current transaction entity and the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information, and determine the transaction attribute value related to the current transaction entity; Obtain the internal risk entity information from the database, and use the internal risk entity information to perform risk control detection on the current transaction entity and the counterparty transaction entity; Obtain the internal risk transaction attribute threshold from the database, and use the internal risk transaction attribute threshold to perform risk control detection on the transaction attribute value.

5. The transaction risk control method according to claim 1, wherein The risk control detection of the basic transaction information and the characteristic transaction information includes: Determine the current transaction entity of the current transaction and multiple third-party transaction entities having a transaction relationship with the current transaction entity within a preset period according to the basic transaction information and the characteristic transaction information; Obtain the multi-party risk transaction information from the database, and use the multi-party risk transaction information to perform risk control detection on the third-party transaction entities.

6. The transaction risk control method according to claim 5, wherein The multi-party risk transaction information includes a list of internal risk entities, a threshold for the number of periodic risk entities, and a threshold for periodic risk transaction attributes; the use of the multi-party risk transaction information to perform risk control detection on the third-party transaction entities includes: Judge whether the third-party transaction entity exists in the list of internal risk entities; Judge whether the number of the third-party transaction entities exceeds the threshold for the number of periodic risk entities; Determine the multi-party cumulative transaction attribute value between the current transaction entity and the third-party transaction entity within a second preset period, and judge whether the multi-party cumulative transaction attribute value exceeds the threshold for periodic risk transaction attributes.

7. A trading risk control device, characterized in that, Include: A transaction information acquisition module, configured to acquire the basic transaction information of the current transaction, and retrieve the characteristic transaction information related to the basic transaction information in the database; The basic transaction information includes information related to the transaction entity and the transaction content, and the characteristic transaction information includes information with an identity identification function and the historical transaction records of the transaction entity; An internal risk control module, configured to perform risk control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction; the internal risk control information of the current transaction is obtained by performing risk control detection using an internal risk control system, and the internal risk control system is a risk control system managed and maintained by the execution entity of the current business link; An external risk control module, configured to obtain external risk control information related to the current transaction from the blockchain network according to the basic transaction information and the characteristic transaction information; The external risk control information related to the current transaction is obtained using an external risk control system based on the blockchain network, and the external risk control system is a risk control system managed and maintained by other execution entities except the execution entity of the current business link; A risk control information determination module, configured to determine the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information; Among them, obtaining the external risk control information related to the current transaction from the blockchain network includes: determining a plurality of blockchain nodes located on the blockchain network; respectively obtaining the to-be-verified risk control information related to the current transaction from the plurality of blockchain nodes, and performing a consistency check on the to-be-verified risk control information; when the result of the consistency check is consistent, determining the to-be-verified risk control information as the external risk control information related to the current transaction; Determining the plurality of blockchain nodes located on the blockchain network includes: determining the counterparty transaction entity in the current transaction according to the basic transaction information and the characteristic transaction information, and obtaining the regional identification information of the counterparty transaction entity; querying the node identification list according to the regional identification information to determine a plurality of blockchain nodes related to the counterparty transaction entity; the plurality of blockchain nodes have regional relevance to the counterparty transaction entity.

8. An electronic device, characterized in that, Including: A processor; And A memory for storing executable instructions of the processor; Among them, the processor is configured to execute the transaction risk control method according to any one of claims 1 to 6 by executing the executable instructions.

9. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by the processor, it implements the transaction risk control method according to any one of claims 1-6.

10. A computer program product, comprising a computer program carried on a computer-readable medium, characterized in that, The computer program includes program codes for executing the transaction risk control method according to any one of claims 1-6.

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