Blockchain-based job processing method, device and system

Abstract

The present invention discloses a blockchain-based job processing method, device and system, relating to the field of blockchain. The method includes: receiving a job request encrypted by a predetermined certificate, where the job request includes a job video image and job party information; decrypting the job request according to the predetermined certificate; in response to successful decryption, performing a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule; and performing corresponding operations on the job request according to the risk level classification result. By means of the present invention, the dependence on an authorization network in the transaction process can be reduced, the transaction risk control ability can be improved, the transaction success rate can be increased, and thus the user experience can be improved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain, and in particular, to a method, device and system for job processing based on blockchain. Background Art

[0002] With the improvement of people's living standards, there are more and more scenarios of using foreign currency credit cards for overseas consumption such as traveling and further studying. Overseas, foreign currency credit cards complete transactions through foreign card organizations. Both the acquiring bank and the issuing bank must access the foreign card organization network for transaction authorization. After the foreign card organization network evaluates the transaction risk, low-risk transactions are authorized through the proxy authorization of the foreign card organization to complete the transaction authorization, and non-low-risk transactions need to be transferred to the issuing bank to complete the transaction authorization.

[0003] This mode can reduce the authorization cost for low-risk transactions, but has the following disadvantages:

[0004] 1. Transactions are routed to the corresponding card organization according to the credit card number. If the corresponding card organization network in the transaction network cannot be connected, the authorization cannot be completed.

[0005] 2. Defining the risk level of transactions is judged and decided separately by the systems of each card organization, which belongs to an independent decision-making mode, and it is impossible to control the transaction risks initiated by customers through different card organization networks at the same time.

[0006] 3. The risk control between card organizations and each issuing institution cannot be shared in a timely and sufficient manner. Summary of the Invention

[0007] In view of this, the present invention provides a method, device and system for job processing based on blockchain to solve at least one of the above-mentioned problems.

[0008] According to a first aspect of the present invention, there is provided a method for job processing based on blockchain, the method comprising:

[0009] Receiving a job request encrypted by a predetermined certificate, the job request including: a job video image, job party information;

[0010] Performing a decryption operation on the job request according to the predetermined certificate;

[0011] In response to successful decryption, performing a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule;

[0012] Performing corresponding operations on the job request according to the risk level classification result.

[0013] According to a second aspect of the present invention, there is provided a device for job processing based on blockchain, the device comprising:

[0014] A request receiving unit for receiving a job request encrypted by a predetermined certificate, where the job request includes: a job video image and job party information;

[0015] A decryption unit for decrypting the job request according to the predetermined certificate;

[0016] A risk classification unit for, in response to successful decryption, classifying the risk levels of the job video image and job party information in the job request according to predetermined rules;

[0017] An execution unit for performing corresponding operations on the job request according to the risk level classification result.

[0018] According to a third aspect of the present invention, there is provided a job processing system based on a blockchain, the system including: a server located at the merchant side and the above-mentioned job processing device based on a blockchain, where the server is used to encrypt a job request based on a predetermined certificate and send the encrypted job request to the job processing device.

[0019] According to a fourth aspect of the present invention, there is provided an electronic device including a memory, a processor, and a computer program stored on the memory and executable on the processor, where when the processor executes the program, the steps of the above method are implemented.

[0020] According to a fifth aspect of the present invention, there is provided a computer-readable storage medium having a computer program stored thereon, where when the computer program is executed by a processor, the steps of the above method are implemented.

[0021] As can be seen from the above technical solutions, after successfully decrypting the received job request, the risk levels of the job video image and job party information in the job request are classified according to predetermined rules, and then corresponding operations are performed on the job request according to the risk level classification result. This technical solution relies on the characteristics of the blockchain such as decentralization, immutability of information, and transparency to implement a transaction authorization process based on the blockchain. Compared with the prior art, this technical solution can reduce the dependence on the authorization network during the transaction process, improve the transaction risk control ability, increase the transaction success rate, and thus improve the user experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the technical solutions in the embodiments of the present invention or the prior art, the following will briefly introduce the drawings required for use in the description of the embodiments or the prior art. Obviously, the following drawings are some embodiments of the present invention. For those of ordinary skill in the art, other drawings can also be obtained based on these drawings without creative efforts.

[0023] Figure 1It is a structural block diagram of a blockchain-based job processing system according to an embodiment of the present invention;

[0024] Figure 2 It is a structural block diagram of the job processing device 2A according to an embodiment of the present invention;

[0025] Figure 3 It is a schematic structural diagram of a transaction authorization system according to an embodiment of the present invention;

[0026] Figure 4 It is a structural block diagram of the permission management server group 1 according to an embodiment of the present invention;

[0027] Figure 5 It is a schematic structural diagram of the acquiring device according to an embodiment of the present invention;

[0028] Figure 6 It is a structural block diagram of the acquiring institution server group 2 according to an embodiment of the present invention;

[0029] Figure 7 It is a structural block diagram of the transaction authorization server group 3 according to an embodiment of the present invention;

[0030] Figure 8 is based on the embodiment of the present invention Figure 3 Transaction authorization flowchart of the example system;

[0031] Figure 9 It is a flowchart of a blockchain-based job processing method according to an embodiment of the present invention;

[0032] Figure 10 It is a schematic block diagram of the system composition of the electronic device 600 according to an embodiment of the present invention. Detailed implementation manners

[0033] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Apparently, the described embodiments are some, but not all, of the embodiments of the present invention. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0034] At present, in the scenario of overseas consumption with foreign currency credit cards, low-risk transactions are authorized through the agency authorization of foreign card organizations, and non-low-risk transactions need to be transferred to the issuing bank for transaction authorization. This method has problems such as low transaction success rate and poor transaction risk control ability, thus reducing the user experience. Based on this, the embodiments of the present invention provide a blockchain-based job (which can also be called a transaction) processing solution. This solution relies on the characteristics of blockchain such as decentralization, immutability of information, and transparency to implement a blockchain-based transaction authorization process, which can reduce the dependence on the authorization network during the transaction process, improve the transaction risk control ability, increase the transaction success rate, and thus improve the user experience. The following will describe the embodiments of the present invention in detail with reference to the accompanying drawings.

[0035] Figure 1 is a structural block diagram of a blockchain-based job processing system according to an embodiment of the present invention, as Figure 1 shown. The system includes: a server 1A located at the merchant side and a blockchain-based job processing device 2A. Among them, the server is used to encrypt the job request sent from the merchant terminal based on a predetermined certificate and send the encrypted job request to the job processing device 2A. The job processing device 2A receives the job request and performs corresponding operations. Subsequently, the job processing device 2A sends the operation result to the job result receiving unit of the server 1A, and this job result receiving unit is used to receive the operation result of executing the job request from the job processing device.

[0036] The predetermined certificate involved here has the function of encrypting data or messages, and relevant certificates of the existing technology can be used. The present invention places no restrictions on this.

[0037] The following will describe in detail Figure 2 the job processing device 2A.

[0038] As Figure 2 described, the job processing device 2A includes: a request receiving unit 21, a decryption unit 22, a risk classification unit 23, and an execution unit 24, where:

[0039] The request receiving unit 21 is used to receive the job request encrypted by the predetermined certificate, and the job request includes: job video image, job party information, transaction amount, etc.

[0040] The decryption unit 22 is used to perform a decryption operation on the job request according to the predetermined certificate.

[0041] The risk classification unit 23 is used to, in response to successful decryption, perform a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule.

[0042] An execution unit 24, configured to perform corresponding operations on the job request according to the risk level classification result.

[0043] Specifically, the execution unit 24 includes: a transaction limit determination module and an execution module, where:

[0044] The transaction limit determination module is configured to determine a pre-set transaction limit according to the risk level classification result, where different risk levels correspond to different limits;

[0045] The execution module is configured to perform operations corresponding to the job request in response to the transaction amount being less than or equal to the transaction limit.

[0046] In a specific implementation, when the transaction amount is greater than the transaction limit, the execution module refuses to perform the operations corresponding to the job request.

[0047] After the decryption unit 22 successfully decrypts the job request received by the request receiving unit 21, the risk classification unit 23 performs a risk level classification operation on the job video image and the job party information in the job request according to a predetermined rule, and then the execution unit 24 performs corresponding operations on the job request according to the risk level classification result. The embodiment of the present invention relies on the characteristics of decentralization, information immutability, transparency, etc. of the blockchain to implement a transaction authorization process based on the blockchain. Compared with the prior art, the embodiment of the present invention can reduce the dependence on the authorization network during the transaction process, improve the transaction risk control ability, increase the transaction success rate, and thus improve the user experience.

[0048] In actual operation, the above-mentioned risk classification unit 23 specifically includes: a risk classification module and a risk result generation module, where:

[0049] The risk classification module is configured to perform risk level classification operations on the job video image and the job party information respectively according to a predetermined rule;

[0050] The risk result generation module is configured to generate a risk level classification result of the job request according to the risk level of the job video image and the risk level of the job party information.

[0051] In one embodiment, the risk result generation module specifically includes: a weight determination sub-module and a risk result generation sub-module, where:

[0052] The weight determination sub-module is configured to determine the weights of the job video image and the job party information respectively according to the analytic hierarchy process;

[0053] The risk result generation sub-module is configured to generate a risk level classification result of the job request according to the risk level and weight of the job video image, and the risk level and weight of the job party information.

[0054] In actual operation, the above-mentioned units, modules, and sub-modules can be combined or set individually, and the present invention is not limited thereto.

[0055] To better understand the present invention, the following describes in detail the embodiments of the present invention in conjunction with Figure 3 the example system shown. The underlying layer of this example system is a consortium blockchain, which can achieve the consistency of ledger information for blockchain acquiring transactions and complete transaction authorization. Through this example system, foreign currency credit card consumption overseas can be realized.

[0056] Figure 3 is a schematic structural diagram of a transaction authorization system according to an embodiment of the present invention. As Figure 3 shown, the system includes: a permission management server group 1, an acquiring institution server group 2, a transaction authorization server group 3, and a regulatory institution server group 4. Each group is described separately below.

[0057] (1) Permission management server group 1

[0058] The permission management server group 1 acts as the leading role of all blockchain networks in the system and is composed of issuing institutions. It authorizes and manages all nodes in the transaction authorization consortium blockchain to achieve node access and exit control, permission control, etc.

[0059] Figure 4 is a block diagram of the structure of the permission management server group 1. As Figure 4 shown, the permission management server group 1 includes: a blockchain node registration module 10, a blockchain node permission control module 20, and a smart contract signing module 30. Among them:

[0060] The blockchain node registration module 10 provides a registration function and trusted authentication for each participant in the authorized consortium blockchain, generates a transaction certificate, and sends the transaction certificate and key to the participants in the blockchain. The blockchain node permission control module 20 manages the permissions of each role in the blockchain. The smart contract signing module 30 is responsible for signing smart contracts by each blockchain participant and broadcasting notifications to all participating nodes.

[0061] (2) Acquiring institution server group 2

[0062] The acquiring institution server group 2 has transaction permissions and is composed of the acquiring device of the acquiring merchant, the acquiring institution, and the certified third-party payment institution server (corresponding to the server 1A located at the merchant side above). The acquiring device of the acquiring merchant collects transaction information and generates an acquiring transaction request. The acquiring institution and the third-party payment institution server receive the acquiring transaction request initiated by the acquiring merchant, generate and initiate a transaction authorization request, and receive the returned result of the transaction authorization request to complete the acquiring transaction.

[0063] Figure 5 It is a schematic structural diagram of a card acceptance device. A 360-degree rotatable pinhole camera is added to the traditional card acceptance device. During transactions, a live detection technology is adopted to verify whether the user is operating as a real live person himself, so as to resist fraudulent transaction behaviors; real-time collect the video image information of the transaction scene (corresponding to the above-mentioned operation video image), and send it to the transaction authorization server group for judging the risk level of the transaction scene.

[0064] As Figure 5 shown, 2-1 is a scanner used to identify the payment code information during the electronic payment of the payer; 2-2 is the printing outlet of the receipt voucher for printing business such as receipt vouchers; 2-3 is the magnetic stripe information reading interface for reading the magnetic stripe card information of the payer to complete the card acceptance business; 2-4 is the physical input button for completing amount input, payer password input confirmation, etc.; 2-5 is the insertion interface for reading the bank IC card information of the payer; 2-6 is the NFC module sensing area for reading the contactless bank card information of the payer; 2-7 is the display screen used as a window for the human-computer interaction function; 2-8 is the solar cell module for powering the card acceptance device; 2-9 is the identity authentication medium for the card acceptance merchant teller to complete the opening authentication of the card acceptance merchant, the sign-in of the card acceptance teller, the secondary authorization of transactions, etc.; 2-10 is the 360-degree rotatable pinhole camera for live detection and collection of video image information of the transaction scene.

[0065] Figure 6 It is a structural block diagram of the acquiring institution server group 2. As Figure 6 shown, the acquiring institution server group 2 includes: an incoming link module 50, an acquiring merchant management module 60, an acquiring transaction module 70, and an authorization request interaction module 80, where:

[0066] The incoming link module 50 is responsible for registering in the transaction authorization alliance chain and obtaining a certificate; the acquiring merchant management module 60 manages merchant information; the acquiring transaction module 70 receives the acquiring request initiated by the merchant, generates a smart contract authorization request transaction message (corresponding to the above-mentioned operation request), and sends it to the transaction authorization server group 3 for authorization; the authorization request interaction module 80 receives the authorization message returned by the transaction authorization server group 3 and conducts subsequent transaction processing.

[0067] 3) Transaction authorization server group 3

[0068] The transaction authorization server group 3 (corresponding to the above-mentioned operation processing device 2A) has the transaction authorization authority and is composed of a card organization, an issuing organization, and a certified third-party authorization and authentication institution. It receives the acquiring transaction authorization request, runs the smart contract, and generates the return result of the transaction authorization request.

[0069] Figure 7It is a structural block diagram of the transaction authorization server group 3, as Figure 7 shown. The transaction authorization server group 3 includes: a smart contract management module 90, a smart contract interaction module 100A, a smart contract execution module 110A, and a monitoring module 120A, where:

[0070] The smart contract management module 90 is responsible for constructing a transaction authorization smart contract protocol and deploying a preset smart contract on the smart contract execution module; the smart contract interaction module 100A receives a transaction message for a smart contract authorization request, verifies the transaction based on the transaction certificate, and feeds back the smart contract execution result; the smart contract execution module 110A is responsible for executing the smart contract to complete transaction authorization; the monitoring module 120A detects the module running status, records monitoring logs, and sends a request for obtaining authorization information, etc.

[0071] The transaction authorization smart contract sets transaction authorization response conditions and response rules, specifically including: a transaction authorization message specification contract, a transaction risk level contract, a transaction authorization forwarding contract, etc. The transaction risk level contract includes a transaction medium (e.g., credit card, etc.), a special merchant (e.g., merchant blacklist, etc.), a cardholder, a transaction scenario (e.g., whether it is a virtual transaction scenario, etc.), and a transaction limit risk level contract. To reach a transaction authorization consensus, a consensus algorithm corresponding to the type of consensus mechanism is deployed in the smart contract management module.

[0072] (4) Regulatory agency server group 4

[0073] The regulatory agency server group 4 has supervision and control authority and is composed of regulatory function institutions such as the People's Bank of China, UnionPay, and Payment and Clearing Association, and banking business regulatory organizations. It monitors any operations and abnormal states on the blockchain and triggers reward and punishment measures, etc. The regulatory agency can obtain the transaction authorization information of the blockchain through the regulatory agency server group 4 for data analysis and daily monitoring, etc.

[0074] Figure 8 It is a transaction authorization flow chart based on the above example system, as Figure 8 shown. The process includes:

[0075] S100, Permission management and allocation: The acquiring institution, the certified card organization and third-party payment institution, the issuing institution, and the regulatory agency apply to register and join the transaction authorization consortium chain, obtain the smart contract and the public-private key pair, and the permission management server group 1 sets the permission control rules and saves them to the blockchain.

[0076] S200, Deploy the authorization smart contract: Standardize and perform a security check on the code of the preset smart contract. After passing the check, deploy the preset smart contract on the transaction authorization server group 3.

[0077] The core components of the authorized smart contract include: transaction authorization message specification, transaction risk level classification specification, transaction authorization specification, etc. Among them: the transaction authorization message specification defines the message encoding format, message composition (including the meaning, offset, length, etc. of the message composition), and data dictionary for each message component, which is used for the interaction of authorization messages between the acquiring bank, issuing bank, and authorization node. The interaction of transaction authorization messages among the permission management server group, acquiring institution server group, and transaction authorization server group needs to strictly comply with this specification; the transaction risk level classification specification defines the transaction risk level, transaction risk level determination criteria, etc.; the transaction authorization specification defines the transaction authorization limit accumulation rules and authorization limits for different transaction risk levels.

[0078] S300, sending the transaction authorization request: The acquiring institution server group 2 receives the acquiring request initiated by the merchant, generates a transaction unique identification code, and then generates a smart contract authorization request transaction message. After encrypting the smart contract authorization request transaction message with the transaction certificate, it is sent to the transaction authorization server group 3.

[0079] S400, signature authentication: The transaction authorization server group 3 receives the smart contract authorization request transaction message, decrypts the transaction according to the transaction certificate. If the verification passes, it triggers the execution of the smart contract; if the verification fails, the authorization request is rejected.

[0080] S500, running the smart contract: The smart contract execution module runs the smart contract, completes the determination of the transaction risk level according to the transaction risk level classification specification, and completes the authorization according to the transaction authorization specification.

[0081] Specifically, the authorization node first needs to define the issuing bank's transaction risk model and authorization policy according to the transaction risk policy formulated by the issuing bank. Secondly, according to the local financial management system, regulatory policies, etc. of the authorization node, define the transaction risk model and authorization policy with local characteristics. For a transaction authorization request, if one of the authorization results is rejection, the transaction authorization is rejected.

[0082] In actual operation, to define the transaction risk model and authorization policy, first, it is necessary to define the transaction risk decision factors and transaction limit matrix. The transaction risk decision factors select the factors that have an important impact on the transaction risk, generally including the merchant risk level, transaction medium risk level, transaction scenario risk level, etc. The transaction limit matrix stipulates the transaction limit accumulation dimension and transaction limit corresponding to the transaction risk level, and a multi-dimensional array can be used to store the transaction limit matrix. Then, use the weight algorithm to calculate the weights of each decision factor, calculate the final transaction risk level according to the weighted average algorithm, and finally compare the calculated transaction risk level with the corresponding transaction limit matrix. If the transaction amount is greater than any of the limits, the transaction is rejected; otherwise, the transaction authorization passes.

[0083] In one embodiment, the Analytic Hierarchy Process (AHP) method can be used to obtain the weights of each decision factor.

[0084] For example, the decision factors include the merchant risk level, the transaction medium risk level, and the transaction scenario risk level. The first two are equally important, and the importance of the transaction scenario risk level is secondary, with an importance of 60% of the first two. Then, the importance positive and negative matrix is instantiated as follows:

[0085] Importance positive and negative matrix

[0086] The standardized positive and negative matrix is:

[0087]

[0088] Calculate the weights:

[0089]

[0090] Then, the weights of the merchant risk level, the transaction medium risk level, and the transaction scenario risk level are 0.384674465, 0.384674465, and 0.230651069 in sequence.

[0091] To verify whether the above weights can be used, the following consistency check formula can be used for verification:

[0092] Where N is the number of decision factors.

[0093] The calculation process is:

[0094]

[0095] The calculation result is 0.00067 < 0.1, which meets the consistency condition, and the decision factor weights calculated above can be used.

[0096] Specifically, the transaction authorization policy execution process is as follows:

[0097] Suppose the transaction risk level is divided into five levels from 1 to 5, and the higher the level, the higher the risk. A certain transaction is calculated according to the risk model: the merchant risk level is 5, the transaction medium risk level is 3, and the transaction scenario risk level is 1. Then, according to the weighted average algorithm, the final transaction risk level is calculated as:

[0098] LEVEL = [0.384674465 * 5 + 0.384674465 * 3 + 0.230651069 * 1] = 3.308046792

[0099] An example of the transaction limit matrix is shown in Table 1 below:

[0100]

[0101] Table 1

[0102] The industry limit / merchant limit / cardholder limit corresponding to the calculated transaction risk level are AMT4 / AMT9 / AMT14 respectively. If the requested authorized transaction accumulates by industry, merchant, and cardholder dimensions and the transaction request authorized amount is greater than any one of the limits, the transaction authorization is rejected; otherwise, the transaction authorization is passed.

[0103] S600, receiving the authorization result: The acquiring institution server group 2 receives the authorization result and completes the acquiring transaction.

[0104] Embodiments of the present invention rely on the characteristics of the blockchain such as decentralization, immutability of information, and transparency, and form a transaction authorization alliance chain by combining the external card organization network, issuing organization network, third-party payment institution network, certification institution network, and regulatory institution network authorized by relevant departments, realizing unified management and unified authorization of transaction risks, and having the following advantages:

[0105] Unify the formulation and release of transaction authorization smart contracts, unify the message specifications, and acquiring banks and issuing banks joining the authorization alliance chain only need to develop a set of authorization interfaces;

[0106] No longer rely on a single card organization network or issuing organization network, reducing the probability of being unable to complete authorization due to being unable to connect to a specific card organization network, improving the transaction success rate, and thus improving the user experience;

[0107] Through the transaction risk level contract, the transaction risk decision-making mode is changed from a single specific card organization system or issuing organization system decision to a group decision of the authorization module, improving the decision-making accuracy and reducing the bad debt risk of bank credit card loans.

[0108] Based on a similar inventive concept, embodiments of the present invention also provide a blockchain-based job processing method. Preferably, this method can be applied to the above-mentioned job processing device 2A.

[0109] Figure 9 is a flowchart of the job processing method, as Figure 9 shown, this method includes:

[0110] Step 901, receiving a job request encrypted by a predetermined certificate, where the job request includes: job video image, job party information, transaction amount, etc.

[0111] Step 902, decrypting the job request according to the predetermined certificate.

[0112] Step 903, in response to successful decryption, perform a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule.

[0113] Specifically, the risk level classification operation can be performed on the job video image and job party information respectively according to a predetermined rule; subsequently, a risk level classification result of the job request is generated based on the risk level of the job video image and the risk level of the job party information.

[0114] In one embodiment, the weights of the job video image and job party information can be determined respectively according to the analytic hierarchy process; then, a risk level classification result of the job request is generated based on the risk level and weight of the job video image, and the risk level and weight of the job party information.

[0115] Step 904, perform corresponding operations on the job request according to the risk level classification result.

[0116] Specifically, first determine a pre-set transaction limit according to the risk level classification result; when the transaction amount is less than or equal to the transaction limit, perform operations corresponding to the job request, otherwise, reject performing operations corresponding to the job request.

[0117] By performing a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule after successfully decrypting the received job request, and then performing corresponding operations on the job request according to the risk level classification result, the embodiment of the present invention realizes a transaction authorization process based on the blockchain by relying on the characteristics of decentralization, information immutability, transparency, etc. of the blockchain. Compared with the prior art, the embodiment of the present invention can reduce the dependence on the authorization network during the transaction process, improve the transaction risk control ability, increase the transaction success rate, and thus improve the user experience.

[0118] For the specific execution process of the above steps, reference can be made to the description in the above system / device embodiments, which will not be elaborated here.

[0119] This embodiment also provides an electronic device, which can be a desktop computer, a tablet computer, a mobile terminal, etc., and this embodiment is not limited thereto. In this embodiment, the electronic device can be implemented with reference to the above method embodiment and the embodiment of the job processing device / system based on the blockchain, and its content is incorporated herein, and the repeated parts will not be elaborated.

[0120] Figure 10 It is a schematic block diagram of the system composition of the electronic device 600 according to the embodiment of the present invention. As Figure 10As shown, the electronic device 600 may include a central processing unit 100 and a memory 140; the memory 140 is coupled to the central processing unit 100. It should be noted that this figure is exemplary; other types of structures may also be used to supplement or replace this structure to achieve telecommunication functions or other functions.

[0121] In one embodiment, the blockchain-based job processing function may be integrated into the central processing unit 100.

[0122] Among them, the central processing unit 100 may be configured to perform the following controls:

[0123] Receive a job request encrypted by a predetermined certificate, where the job request includes: a job video image and job party information;

[0124] Perform a decryption operation on the job request according to the predetermined certificate;

[0125] In response to successful decryption, perform a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule;

[0126] Execute corresponding operations on the job request according to the risk level classification result.

[0127] From the above description, it can be seen that the electronic device provided by the embodiment of the present application, after successfully decrypting the received job request, performs a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule, and then executes corresponding operations on the job request according to the risk level classification result. In the embodiment of the present invention, when conducting a transaction, relying on the characteristics of the blockchain such as decentralization, information immutability, and transparency, the transaction authorization process based on the blockchain is realized. Compared with the prior art, the embodiment of the present invention can reduce the dependence on the authorization network during the transaction process, improve the transaction risk control ability, increase the transaction success rate, and thus improve the user experience.

[0128] In another embodiment, the blockchain-based job processing device / system may be separately configured from the central processing unit 100. For example, the blockchain-based job processing device / system may be configured as a chip connected to the central processing unit 100 to implement the blockchain-based job processing function through the control of the central processing unit.

[0129] Such as Figure 10 As shown, the electronic device 600 may further include: a communication module 110, an input unit 120, an audio processor 130, a display 160, and a power supply 170. It should be noted that the electronic device 600 does not necessarily have to include Figure 10 all the components shown in Figure 10For components not shown, reference may be made to the prior art.

[0130] As Figure 10 shown, the central processing unit 100, which is sometimes also referred to as a controller or operation control, may include a microprocessor or other processor device and / or logic device. The central processing unit 100 receives inputs and controls the operation of the various components of the electronic device 600.

[0131] Among them, the memory 140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory, or other suitable devices. It can store the above-mentioned information related to failures, and can also store programs for executing relevant information. And the central processing unit 100 can execute the programs stored in the memory 140 to achieve information storage or processing, etc.

[0132] The input unit 120 provides inputs to the central processing unit 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to supply power to the electronic device 600. The display 160 is used to display display objects such as images and texts. The display can be, for example, an LCD display, but is not limited thereto.

[0133] The memory 140 can be a solid-state memory, for example, a read-only memory (ROM), a random access memory (RAM), a SIM card, etc. It can also be a memory that stores information even when power is off, can be selectively erased and has more data. Examples of such a memory are sometimes referred to as EPROMs, etc. The memory 140 can also be some other type of device. The memory 140 includes a buffer memory 141 (sometimes referred to as a buffer). The memory 140 can include an application / function storage section 142, which is used to store application programs and function programs or the processes for operating the electronic device 600 through the central processing unit 100.

[0134] The memory 140 can also include a data storage section 143, which is used to store data, such as contacts, digital data, pictures, sounds, and / or any other data used by the electronic device. The driver storage section 144 of the memory 140 can include various drivers of the electronic device for communication functions and / or for executing other functions of the electronic device (such as a messaging application, an address book application, etc.).

[0135] The communication module 110 is a transmitter / receiver 110 that transmits and receives signals via the antenna 111. The communication module (transmitter / receiver) 110 is coupled to the central processing unit 100 to provide input signals and receive output signals, which can be the same as in the case of a conventional mobile communication terminal.

[0136] Based on different communication technologies, multiple communication modules 110 may be provided in the same electronic device, such as a cellular network module, a Bluetooth module and / or a wireless LAN module. The communication module (transmitter / receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide an audio output via the speaker 131 and receive an audio input from the microphone 132, thereby realizing a common telecommunication function. The audio processor 130 may include any suitable buffer, decoder, amplifier, etc. In addition, the audio processor 130 is also coupled to the central processor 100, so that the sound can be recorded on the local machine through the microphone 132, and the sound stored on the local machine can be played through the speaker 131.

[0137] An embodiment of the present invention also provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the steps of the above-mentioned blockchain-based job processing method.

[0138] To sum up, the embodiments of the present invention involve blockchain technology. Relying on the characteristics of blockchain such as decentralization, information immutability, and transparency, the external card organization network and the third-party payment institution network authorized by relevant departments are combined into an authorized alliance chain, thereby realizing unified management and unified authorization of transaction risks. At the same time, it also reduces the dependence on the authorized network during the transaction process, improves the transaction risk control capability, increases the transaction success rate, and thus improves the user experience.

[0139] The preferred embodiments of the present invention are described above with reference to the accompanying drawings. Many features and advantages of these embodiments are clear from this detailed description, and therefore the claims are intended to cover all such features and advantages of these embodiments that fall within their true spirit and scope. In addition, since many modifications and changes are easily conceivable to those skilled in the art, it is not intended to limit the embodiments of the present invention to the precise structure and operation illustrated and described, but all suitable modifications and equivalents falling within its scope may be covered.

[0140] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may take the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0141] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, as well as the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices produce means for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0142] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory produce a manufactured article including instruction means that implement the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0143] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, so that the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one or more of the flows Figure 1 one or more of the flows and / or blocks Figure 1 or means for implementing the functions specified in one or more of the blocks.

[0144] Specific embodiments are used in the present invention to elaborate on the principles and implementation manners of the present invention. The description of the above embodiments is only used to help understand the method and its core idea of the present invention; at the same time, for those of ordinary skill in the art, according to the idea of the present invention, there will be changes in the specific implementation manners and application scopes. In summary, the content of this specification should not be construed as a limitation to the present invention.

Claims

1. A blockchain-based job processing method, characterized in that, the method includes: Receiving a job request encrypted by a predetermined certificate, the job request including: a job video image and job party information; Performing a decryption operation on the job request according to the predetermined certificate; In response to successful decryption, performing a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule; Performing corresponding operations on the job request according to the risk level classification result; The performing corresponding operations on the job request according to the risk level classification result includes: An acquirer, an authenticated card organization, a third-party payment institution, an issuer, and a regulatory agency apply to register and join a transaction authorization consortium chain, obtain a smart contract and a public-private key pair, and a permission management server group sets permission control rules and saves them to the blockchain; Standardizing and performing a security check on the code of a preset smart contract, and deploying the preset smart contract on a transaction authorization server group after passing the check, wherein the core components of the authorization smart contract include: a transaction authorization message specification, a transaction risk level classification specification, and a transaction authorization specification; The acquirer server group receives an acquirer request initiated by a merchant, generates a unique transaction identification code, then generates a smart contract authorization request transaction message, and encrypts the smart contract authorization request transaction message with a transaction certificate and sends it to the transaction authorization server group; The transaction authorization server group receives the smart contract authorization request transaction message, performs decryption verification on the transaction according to the transaction certificate, and triggers the running of the smart contract if the verification passes; if the verification fails, the authorization request is rejected; The smart contract execution module runs the smart contract, completes the determination of the transaction risk level according to the transaction risk level classification specification, and completes the authorization according to the transaction authorization specification.

2. The method according to claim 1, characterized in that, The performing a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule includes: Performing a risk level classification operation on the job video image and job party information respectively according to a predetermined rule; Generating a risk level classification result of the job request according to the risk level of the job video image and the risk level of the job party information.

3. The method according to claim 2, characterized in that, Generating a risk level classification result of the job request according to the risk level of the job video image and the risk level of the job party information includes: Respectively determining the weights of the job video image and job party information according to the analytic hierarchy process; Generating a risk level classification result of the job request according to the risk level and weight of the job video image and the risk level and weight of the job party information.

4. The method according to claim 2, characterized in that, The job request further includes: a transaction amount, and the performing corresponding operations on the job request according to the risk level classification result includes: Determining a preset transaction limit according to the risk level classification result; In response to the transaction amount being less than or equal to the transaction limit, performing operations corresponding to the job request.

5. A blockchain-based job processing device, It is characterized in that the device includes: a request receiving unit, configured to receive a job request encrypted by a predetermined certificate, where the job request includes: a job video image and job party information; a decryption unit, configured to perform a decryption operation on the job request according to the predetermined certificate; a risk classification unit, configured to, in response to successful decryption, perform a risk level classification operation on the job video image and job party information in the job request according to a predetermined rule; an execution unit, configured to perform corresponding operations on the job request according to the risk level classification result; specifically, the execution unit is used for: acquiring institutions, certified card organizations, third-party payment institutions, issuing institutions, and regulatory institutions apply to register and join the transaction authorization consortium chain, obtain smart contracts and public-private key pairs, and the permission management server group sets permission control rules and saves them to the blockchain; specify and perform a security check on the code of the preset smart contract, and after passing the check, deploy the preset smart contract on the transaction authorization server group, where the core components of the authorization smart contract include: transaction authorization message specification, transaction risk level classification specification, and transaction authorization specification; the acquiring institution server group receives the acquiring request initiated by the merchant, generates a transaction unique identification code, then generates a smart contract authorization request transaction message, encrypts the smart contract authorization request transaction message with a transaction certificate, and sends it to the transaction authorization server group; the transaction authorization server group receives the smart contract authorization request transaction message, verifies the transaction according to the transaction certificate, and if the verification passes, triggers the execution of the smart contract; if the verification fails, the authorization request is rejected; the smart contract execution module runs the smart contract, completes the transaction risk level determination according to the transaction risk level classification specification, and completes the authorization according to the transaction authorization specification.

6. The device according to claim 5, it is characterized in that the risk classification unit includes: a risk classification module, configured to perform a risk level classification operation on the job video image and job party information respectively according to a predetermined rule; a risk result generation module, configured to generate a risk level classification result of the job request according to the risk level of the job video image and the risk level of the job party information.

7. The device according to claim 6, it is characterized in that the risk result generation module includes: a weight determination sub-module, configured to respectively determine the weights of the job video image and job party information according to the analytic hierarchy process; a risk result generation sub-module, configured to generate a risk level classification result of the job request according to the risk level and weight of the job video image, and the risk level and weight of the job party information.

8. The device according to claim 6, it is characterized in that the job request further includes: a transaction amount, and the execution unit includes: a transaction limit determination module, configured to determine a preset transaction limit according to the risk level classification result; an execution module, configured to, in response to the transaction amount being less than or equal to the transaction limit, perform operations corresponding to the job request.

9. A blockchain-based job processing system, it is characterized in that The system includes: a server located at the merchant side, and a blockchain-based job processing device as described in any one of claims 5 to 8, wherein the server is configured to encrypt a job request based on a predetermined certificate and send the encrypted job request to the job processing device.

10. The system according to claim 9, wherein, the server further includes: a job result receiving unit, configured to receive an operation result of executing the job request from the job processing device.

11. An electronic device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, wherein, when the processor executes the program, the steps of the method described in any one of claims 1 to 4 are implemented.

12. A computer-readable storage medium, having a computer program stored thereon, wherein, when the computer program is executed by a processor, the steps of the method described in any one of claims 1 to 4 are implemented.

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