Public customer transaction restriction method and device based on blockchain

Abstract

The present invention discloses a method and device for limiting transactions of corporate customers based on blockchain, and relates to the technical field of blockchain. The method comprises: obtaining historical transaction data of each corporate customer in a corporate customer set; clustering each corporate customer in the corporate customer set using a k-means clustering algorithm according to the historical transaction data to obtain multiple corporate customer subsets; determining real-time transaction restriction factor information of real-time transactions of each corporate customer in each corporate customer subset according to the customer transaction data of each corporate customer subset; storing the real-time transaction restriction factor information of real-time transactions of each corporate customer on a blockchain network; and limiting the business transactions of each corporate customer according to the real-time transaction restriction factor information of real-time transactions of each corporate customer stored on the blockchain network. The present invention can improve the real-time performance of corporate customer transactions and reduce the transaction risk of corporate customer transactions.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a method and device for restricting corporate customer transactions based on blockchain. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. No admission is made that the description herein is prior art by inclusion in this section.

[0003] At present, business transactions of corporate customers in major banks only support daily batch transactions because the amount involved is often high and the risks may be high. The above method is not conducive to the use of funds by corporate customers and also restricts the transaction behavior of corporate customers. For example, for corporate customers with small transaction amounts and high transaction frequencies, if the transaction risks of corporate customers' real-time transactions can be reduced by limiting transaction conditions such as transaction amount and transaction time, corporate customers can conduct simple and convenient real-time transactions like individual customers, thus improving the user experience of corporate customers.

[0004] Different corporate clients have different trading habits and risk tolerance. When setting the transaction conditions for corporate clients to conduct real-time transactions, if we rely on the experience of business personnel to make routine settings for the real-time transaction factors of each corporate client, it may result in the set real-time transaction restriction factors being inappropriate for a certain corporate client. If the real-time transaction restriction factors are set too strictly, it may lead to a low user experience; if the real-time transaction restriction factors are not set strictly, it may lead to greater transaction risks. Summary of the invention

[0005] In an embodiment of the present invention, a method for restricting corporate customer transactions based on blockchain is provided to solve the technical problem that the prior art relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, which is difficult to meet the needs of different corporate customers. The method includes: obtaining historical transaction data of each corporate customer in a corporate customer set; clustering each corporate customer in the corporate customer set using a k-means clustering algorithm based on the historical transaction data to obtain multiple corporate customer subsets; determining real-time transaction restriction factor information for real-time transactions of each corporate customer in each corporate customer subset based on the customer transaction data of each corporate customer subset; storing the real-time transaction restriction factor information for real-time transactions of each corporate customer on a blockchain network; and restricting the business transactions of each corporate customer based on the real-time transaction restriction factor information for real-time transactions of each corporate customer stored on the blockchain network.

[0006] The embodiment of the present invention also provides a corporate customer transaction restriction device based on blockchain, which is used to solve the technical problem that the existing technology relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, and it is difficult to meet the needs of different corporate customers. The device includes: a transaction data acquisition module, which is used to obtain the historical transaction data of each corporate customer in the corporate customer set; a customer clustering module, which is used to cluster each corporate customer in the corporate customer set according to the historical transaction data using the k-means clustering algorithm to obtain multiple corporate customer subsets; a real-time transaction restriction factor information determination module, which is used to determine the real-time transaction restriction factor information of each corporate customer in each corporate customer subset according to the customer transaction data of each corporate customer subset; a real-time transaction restriction factor information chain module, which is used to store the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network; a business transaction restriction module, which is used to restrict the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network.

[0007] A computer device is also provided in an embodiment of the present invention to solve the technical problem that the prior art relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, which is difficult to meet the needs of different corporate customers. The computer device includes a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned blockchain-based corporate customer transaction restriction method is implemented.

[0008] A computer-readable storage medium is also provided in an embodiment of the present invention to solve the technical problem that the prior art relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, which is difficult to meet the needs of different corporate customers. The computer-readable storage medium stores a computer program for executing the above-mentioned blockchain-based corporate customer transaction restriction method.

[0009] The blockchain-based corporate customer transaction restriction method, device, computer equipment and computer-readable storage medium provided in the embodiments of the present invention obtain historical transaction data of each corporate customer in a corporate customer set, and then cluster each corporate customer in the corporate customer set using a k-means clustering algorithm based on the acquired historical transaction data to obtain multiple corporate customer subsets, and then determine the real-time transaction restriction factor information of each corporate customer in each corporate customer subset based on the customer transaction data of each corporate customer subset, and store the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network. Finally, based on the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, restrict the business transactions of each corporate customer.

[0010] Through the embodiments of the present invention, the real-time transaction restriction factor information of each type of corporate customer is determined according to the clustering results of corporate customers, and then the real-time transaction restriction factor information of each type of corporate customer is stored on the blockchain network to restrict the business transactions of each corporate customer. When the business transactions of corporate customers meet the real-time transaction restriction factor information, the business transactions of corporate customers can be executed according to the real-time transaction process of individual customers, thereby improving the real-time nature of corporate customer transactions; when the business transactions of corporate customers do not meet the real-time transaction restriction factor information, the business transactions of corporate customers can be executed according to the batch transaction process of corporate customers, thereby reducing the transaction risks of corporate customer transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0011] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the embodiments or the prior art descriptions. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0012] Figure 1 A flowchart of a method for restricting corporate customer transactions based on blockchain provided in an embodiment of the present invention;

[0013] Figure 2 A flowchart of uploading real-time transaction restriction factor information to a chain provided in an embodiment of the present invention;

[0014] Figure 3 A risk category and risk probability prediction flow chart provided in an embodiment of the present invention;

[0015] Figure 4 A flowchart of determining transaction restriction factor information for corporate customers based on associated customers or similar customers provided in an embodiment of the present invention;

[0016] Figure 5 A flow chart of a business transaction restriction for a corporate customer provided in an embodiment of the present invention;

[0017] Figure 6 A schematic diagram of a corporate customer transaction restriction device based on blockchain provided in an embodiment of the present invention;

[0018] Figure 7 A schematic diagram of an optional blockchain-based corporate customer transaction restriction device provided in an embodiment of the present invention;

[0019] Figure 8 A schematic diagram of the structure of a business transaction restriction module provided in an embodiment of the present invention;

[0020] Fig. 9A schematic diagram of a computer device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0021] To make the purpose, technical solution and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below in conjunction with the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0022] The present invention provides a method for restricting transactions with public customers based on blockchain. Figure 1 Flow chart of a method for restricting corporate customer transactions based on blockchain provided in an embodiment of the present invention, such as Figure 1 As shown, including:

[0023] S101, obtaining historical transaction data of each corporate customer in the corporate customer set.

[0024] It should be noted that the corporate customer in the embodiment of the present invention refers to an enterprise customer who has account information in any banking institution; the historical transaction data obtained in the above S101 includes but is not limited to: transaction amount, transaction time, transaction object, transaction channel and other transaction data.

[0025] S102, clustering each corporate customer in the corporate customer set using a k-means clustering algorithm according to historical transaction data to obtain a plurality of corporate customer subsets.

[0026] Due to the advantages of simple principle, easy operation, and very high execution efficiency, the k-means clustering algorithm is used in the embodiment of the present invention to cluster each corporate customer in the corporate customer set. The k-means clustering algorithm is an iterative clustering analysis algorithm, and its steps are: divide the data into K groups, randomly select K objects as the initial cluster centers, and then calculate the distance between each object and each seed cluster center, and assign each object to the cluster center closest to it. The cluster centers and the objects assigned to them represent a cluster. Each time a sample is assigned, the cluster center of the cluster will be recalculated based on the existing objects in the cluster. This process will be repeated until a certain termination condition is met. The termination condition can be that no (or a minimum number) of objects are reassigned to different clusters, no (or a minimum number) of cluster centers change again, and the error square sum is locally minimized.

[0027] S103, determining the real-time transaction restriction factor information of the real-time transaction of each corporate customer in each corporate customer subset according to the customer transaction data of each corporate customer subset.

[0028] It should be noted that the real-time transaction restriction factor information determined in the embodiment of the present invention is any one or a combination of the following: transaction limit, transaction frequency, transaction time, transaction object, and transaction channel.

[0029] When the real-time transaction restriction factor information is a transaction limit, the above S103 can be implemented through the following steps: based on the customer transaction data of each corporate customer subset, calculate the average transaction amount and the maximum transaction amount of each corporate customer subset; determine the average transaction amount of each corporate customer subset as the real-time transaction restriction factor information of the real-time transaction of the first corporate customer in each corporate customer subset, wherein the first corporate customer is the corporate customer whose transaction amount is less than or equal to the average transaction amount in each corporate customer subset; determine the maximum transaction amount of each corporate customer subset as the real-time transaction restriction factor information of the real-time transaction of the second corporate customer in each corporate customer subset, wherein the second corporate customer is the corporate customer whose transaction amount is greater than the average transaction amount in each corporate customer subset.

[0030] S104, storing the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network.

[0031] The blockchain network in the embodiment of the present invention can be a blockchain network constructed by each banking institution system as a blockchain storage node, or it can be an existing blockchain network. Each banking institution system communicates with the blockchain network through a blockchain client, uploads data to the blockchain network or receives data pushed by the blockchain network. After determining the real-time transaction restriction factor information of each corporate customer's real-time transaction, the real-time transaction restriction factor information of the corporate customer is uploaded to the blockchain network, so that any banking institution system communicating with the blockchain network can obtain the real-time transaction restriction factor information of the corporate customer.

[0032] S105, restricting the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transactions stored on the blockchain network.

[0033] It should be noted that the business transactions of corporate customers restricted in the embodiments of the present invention include but are not limited to transfer transactions. Since the real-time transaction restriction factor information of each corporate customer's real-time transaction is stored on the blockchain network, when a corporate customer initiates a business transaction to any banking institution system, the real-time transaction restriction factor information of the corporate customer can be queried from the blockchain network, and then the business transaction of the corporate customer can be restricted.

[0034] In order to meet the differentiated needs of different corporate customers, in one embodiment, Figure 2As shown, before restricting the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, the corporate customer transaction restriction method provided in the embodiment of the present invention can also store the real-time transaction restriction factor information on the blockchain network through the following steps:

[0035] S201, receiving a real-time transaction restriction request initiated by each corporate customer, wherein the transaction restriction request includes information on real-time transaction restriction factors customized by each corporate customer;

[0036] S202, reviewing the real-time transaction restriction factor information customized by each corporate customer;

[0037] S203, when the real-time transaction restriction factor information customized by each corporate customer is reviewed and approved, the real-time transaction restriction factor information customized by each corporate customer is stored on the blockchain network.

[0038] It should be noted that the real-time transaction restriction factor information customized by each corporate customer may also be any one or a combination of the following: transaction limit, transaction frequency, transaction time, transaction object, and transaction channel.

[0039] Further, in one embodiment, if Figure 3 As shown, after receiving the real-time transaction restriction request initiated by each corporate customer, the corporate customer transaction restriction method provided in the embodiment of the present invention can also predict the risk category and risk probability of each corporate customer through the following steps:

[0040] S301, based on the trained risk prediction model, predict the risk category and risk probability of each corporate customer according to the real-time transaction restriction factor information customized by each corporate customer;

[0041] S302, sending the risk category and risk probability of each corporate customer to each corporate customer, and storing the risk category and risk probability of each corporate customer on the blockchain network.

[0042] It should be noted that the risk categories in the embodiments of the present invention include but are not limited to: fraud risk, corporate account theft risk, etc. For example, when encountering fraud, the transaction partner usually has a characteristic that the account balance is usually very small, almost 0, and when the funds are transferred in, they are immediately transferred away. When the transaction partner of a corporate customer has the above situation, there is a certain probability that he may have encountered fraud.

[0043] In the embodiment of the present invention, after predicting the risk category and risk probability of each corporate customer, the business transactions of each corporate customer can be further restricted in combination with the risk category and risk probability of each corporate customer. For example, if the risk probability of the corporate account of a corporate customer being stolen is greater than 0.9, the facial information of the financial person in charge and the legal person of the corporate customer is obtained and verified.

[0044] Optionally, when sending the risk category and risk probability of each corporate customer to each corporate customer, the risk category and risk probability of each corporate customer can be sent to the 5G client of each corporate customer via 5G messages.

[0045] Since some new corporate customers do not have historical transaction data, in order to restrict the business transactions of new corporate customers, in one embodiment, Figure 4 As shown, before storing the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network, the corporate customer transaction restriction method provided in the embodiment of the present invention can also determine the corporate customer transaction restriction factor information based on associated customers or similar customers through the following steps:

[0046] S401, based on the customer information of any corporate customer, query the corporate customer's related customers or similar customers from a pre-built customer relationship knowledge graph;

[0047] S402, determining the real-time transaction restriction factor information of the associated customers or similar customers as the real-time transaction restriction factor information of the corporate customers.

[0048] It should be noted that the customer relationship knowledge graph in the embodiment of the present invention is a pre-constructed knowledge graph containing the relationship between each corporate customer. Based on the customer information of any corporate customer, the related customers or similar customers of the corporate customer can be queried from the customer relationship knowledge graph, and then the real-time transaction restriction factor information of the related customers or similar customers can be determined as the real-time transaction restriction factor information of the corporate customer.

[0049] like Figure 5 As shown, in specific implementation, the corporate customer transaction restriction method provided in the embodiment of the present invention can restrict the business transactions of each corporate customer based on the real-time transaction restriction factor information stored on the blockchain network through the following steps:

[0050] S501, receiving a business transaction request initiated by any corporate customer;

[0051] S502, according to the business transaction request, query the real-time transaction restriction factor information of the corporate customer from the blockchain network, and determine whether the transaction information corresponding to the business transaction request satisfies the real-time transaction restriction factor information;

[0052] S503, when the transaction information corresponding to the business transaction request meets the real-time transaction restriction factor information, the business transaction corresponding to the business transaction request is executed according to the real-time business transaction process of the individual customer;

[0053] S504, when the transaction information corresponding to the business transaction request does not meet the real-time transaction restriction factor information, the business transaction corresponding to the business transaction request is executed according to the batch business transaction process for corporate customers.

[0054] For example, after receiving a business transaction request initiated by any corporate customer, it is determined that the transaction amount of the corporate customer is less than or equal to the transaction limit of the corporate customer's real-time transactions stored on the blockchain network. If the transaction amount of the corporate customer is less than or equal to the transaction limit of the corporate customer's real-time transactions stored on the blockchain network, the current business transaction of the corporate customer is executed in accordance with the real-time business transaction process of individual customers; conversely, if the transaction amount of the corporate customer is greater than the transaction limit of the corporate customer's real-time transactions stored on the blockchain network, the business transaction corresponding to the business transaction request is executed in accordance with the batch business transaction process of the corporate customer.

[0055] Based on the same inventive concept, the embodiments of the present invention also provide a corporate customer transaction restriction device based on blockchain, as described in the following embodiments. Since the principle of solving the problem by the device is similar to the corporate customer transaction restriction method based on blockchain, the implementation of the device can refer to the implementation of the corporate customer transaction restriction method based on blockchain, and the repeated parts will not be repeated.

[0056] Figure 6 Schematic diagram of a corporate customer transaction restriction device based on blockchain provided in an embodiment of the present invention, such as Figure 6 As shown, the device includes: a transaction data acquisition module 601, a customer clustering module 602, a real-time transaction restriction factor information determination module 603, a real-time transaction restriction factor information chaining module 604 and a business transaction restriction module 605.

[0057] Among them, the transaction data acquisition module 601 is used to obtain the historical transaction data of each corporate customer in the corporate customer set; the customer clustering module 602 is used to cluster each corporate customer in the corporate customer set according to the historical transaction data using the k-means clustering algorithm to obtain multiple corporate customer subsets; the real-time transaction restriction factor information determination module 603 is used to determine the real-time transaction restriction factor information of each corporate customer in each corporate customer subset according to the customer transaction data of each corporate customer subset; the real-time transaction restriction factor information chain module 604 is used to store the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network; the business transaction restriction module 605 is used to restrict the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network.

[0058] In one embodiment, Figure 7 As shown, the corporate customer transaction restriction device provided in the embodiment of the present invention also includes: a real-time transaction restriction factor customization module 606, which is used to receive real-time transaction restriction requests initiated by each corporate customer, wherein the transaction restriction request contains real-time transaction restriction factor information customized by each corporate customer; an audit module 607, which is used to audit the real-time transaction restriction factor information customized by each corporate customer; in this embodiment, the real-time transaction restriction factor information chain-uploading module 604 is also used to store the real-time transaction restriction factor information customized by each corporate customer on the blockchain network when the real-time transaction restriction factor information customized by each corporate customer is audited and passed.

[0059] In one embodiment, Figure 7 As shown, the corporate customer transaction restriction device provided in the embodiment of the present invention also includes: a risk data prediction module 608, which is used to predict the risk category and risk probability of each corporate customer based on the trained risk prediction model and according to the real-time transaction restriction factor information customized by each corporate customer; a risk data output module 609, which is used to send the risk category and risk probability of each corporate customer to each corporate customer, and store the risk category and risk probability of each corporate customer on the blockchain network.

[0060] In one embodiment, Figure 7 As shown, the corporate customer transaction restriction device provided in the embodiment of the present invention also includes: a knowledge graph module 610, which is used to query the associated customers or similar customers of the corporate customer from a pre-built customer relationship knowledge graph based on the customer information of any corporate customer; in this embodiment, the real-time transaction restriction factor information determination module 603 is also used to determine the real-time transaction restriction factor information of the associated customers or similar customers as the real-time transaction restriction factor information of the corporate customer.

[0061] In one embodiment, Figure 8 As shown, in the corporate customer transaction restriction device provided in the embodiment of the present invention, the business transaction restriction module 605 may specifically include: a business transaction request unit 6051, a business transaction verification unit 6052, a first business transaction execution unit 6053 and a second business transaction execution unit 6054.

[0062] Among them, the business transaction request unit 6051 is used to receive a business transaction request initiated by any corporate customer; the business transaction verification unit 6052 is used to query the real-time transaction restriction factor information of the corporate customer from the blockchain network according to the business transaction request, and determine whether the transaction information corresponding to the business transaction request meets the real-time transaction restriction factor information; the first business transaction execution unit 6053 is used to execute the business transaction corresponding to the business transaction request in accordance with the real-time business transaction process of the individual customer when the transaction information corresponding to the business transaction request meets the real-time transaction restriction factor information; the second business transaction execution unit 6054 is used to execute the business transaction corresponding to the business transaction request in accordance with the batch business transaction process of the corporate customer when the transaction information corresponding to the business transaction request does not meet the real-time transaction restriction factor information.

[0063] In one embodiment, in the corporate customer transaction restriction device provided in the embodiment of the present invention, the real-time transaction restriction factor information is any one or a combination of the following: transaction limit, transaction frequency, transaction time, transaction object, and transaction channel.

[0064] In one embodiment, when the real-time transaction restriction factor information is a transaction limit, the real-time transaction restriction factor information determination module 603 is also used to: calculate the average transaction amount and the maximum transaction amount of each corporate customer subset based on the customer transaction data of each corporate customer subset; determine the average transaction amount of each corporate customer subset as the real-time transaction restriction factor information of the real-time transaction of the first corporate customer in each corporate customer subset, wherein the first corporate customer is a corporate customer whose transaction amount is less than or equal to the average transaction amount in each corporate customer subset; determine the maximum transaction amount of each corporate customer subset as the real-time transaction restriction factor information of the real-time transaction of the second corporate customer in each corporate customer subset, wherein the second corporate customer is a corporate customer whose transaction amount is greater than the average transaction amount in each corporate customer subset.

[0065] Based on the same inventive concept, a computer device is also provided in an embodiment of the present invention to solve the technical problem that the prior art relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, which is difficult to meet the needs of different corporate customers. Fig. 9 A schematic diagram of a computer device provided in an embodiment of the present invention is shown in FIG. Fig. 9As shown, the computer device 90 includes a memory 901, a processor 902, and a computer program stored in the memory 901 and executable on the processor 902. When the processor 902 executes the computer program, the above-mentioned blockchain-based corporate customer transaction restriction method is implemented.

[0066] Based on the same inventive concept, a computer-readable storage medium is also provided in an embodiment of the present invention to solve the technical problem that the prior art relies on manual experience to set transaction restriction factors for real-time transactions of corporate customers, which is difficult to meet the needs of different corporate customers. The computer-readable storage medium stores a computer program for executing the above-mentioned blockchain-based corporate customer transaction restriction method.

[0067] In summary, the blockchain-based corporate customer transaction restriction method, device, computer equipment and computer-readable storage medium provided in the embodiments of the present invention obtain the historical transaction data of each corporate customer in the corporate customer set, and then cluster each corporate customer in the corporate customer set according to the acquired historical transaction data using the k-means clustering algorithm to obtain multiple corporate customer subsets, and then determine the real-time transaction restriction factor information of each corporate customer in each corporate customer subset based on the customer transaction data of each corporate customer subset, and store the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network. Finally, based on the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, restrict the business transactions of each corporate customer.

[0068] Through the embodiments of the present invention, the real-time transaction restriction factor information of each type of corporate customer is determined according to the clustering results of corporate customers, and then the real-time transaction restriction factor information of each type of corporate customer is stored on the blockchain network to restrict the business transactions of each corporate customer. When the business transactions of corporate customers meet the real-time transaction restriction factor information, the business transactions of corporate customers can be executed according to the real-time transaction process of individual customers, thereby improving the real-time nature of corporate customer transactions; when the business transactions of corporate customers do not meet the real-time transaction restriction factor information, the business transactions of corporate customers can be executed according to the batch transaction process of corporate customers, thereby reducing the transaction risks of corporate customer transactions.

[0069] 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.

[0070] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowchart and / or block diagram. Figure 1 A process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0071] These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing device to operate in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 A process or multiple processes and / or boxes Figure 1 A function specified in one or more boxes.

[0072] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operating steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing instructions for implementing the process. Figure 1 A process or multiple processes and / or boxes Figure 1 The steps for the functions specified in one or more boxes.

[0073] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A method for restricting corporate customer transactions based on blockchain, characterized in that: include: Get the historical transaction data of each public customer in the public customer set; According to the historical transaction data, clustering each corporate customer in the corporate customer set using a k-means clustering algorithm to obtain a plurality of corporate customer subsets; Determine, based on the customer transaction data of each corporate customer subset, the real-time transaction restriction factor information of the real-time transaction of each corporate customer in each corporate customer subset; The real-time transaction restriction factor information of each corporate customer's real-time transaction is stored on the blockchain network; Restricting business transactions of each corporate customer based on the real-time transaction restriction factor information of each corporate customer's real-time transactions stored on the blockchain network; According to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, the business transaction of each corporate customer is restricted, including: after receiving a business transaction request initiated by any corporate customer, judging that the transaction amount of the corporate customer is less than or equal to the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network, if the transaction amount of the corporate customer is less than or equal to the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network, executing the current business transaction of the corporate customer according to the real-time business transaction process of individual customers; if the transaction amount of the corporate customer is greater than the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network, executing the business transaction corresponding to the business transaction request according to the batch business transaction process of the corporate customer; Before restricting the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, the method further includes: Receiving a real-time transaction restriction request initiated by each corporate customer, wherein the transaction restriction request includes real-time transaction restriction factor information customized by each corporate customer; Review the real-time transaction restriction factor information customized by each corporate customer; When the real-time transaction restriction factor information customized by each corporate customer is reviewed and approved, the real-time transaction restriction factor information customized by each corporate customer will be stored on the blockchain network; After receiving the real-time transaction restriction request initiated by each corporate customer, it also includes: based on the trained risk prediction model, according to the real-time transaction restriction factor information customized by each corporate customer, predicting the risk category and risk probability of each corporate customer; sending the risk category and risk probability of each corporate customer to each corporate customer, and storing the risk category and risk probability of each corporate customer on the blockchain network; restricting the business transactions of each corporate customer based on the risk category and risk probability of each corporate customer; if the risk probability of the corporate account of a corporate customer being stolen is greater than 0.9, obtaining the facial information of the financial director and legal person of the corporate customer and verifying it; when sending the risk category and risk probability of each corporate customer to each corporate customer, sending the risk category and risk probability of each corporate customer to the 5G client of each corporate customer via 5G messages.

2. The method according to claim 1, characterized in that Before storing the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network, the method further includes: According to the customer information of any corporate customer, obtain the related customers or similar customers of the corporate customer from the pre-built customer relationship knowledge graph; The real-time transaction restriction factor information of associated customers or similar customers is determined as the real-time transaction restriction factor information of the corporate customers.

3. The method according to any one of claims 1 to 2, characterized in that: The real-time transaction restriction factor information is any one or a combination of the following: transaction limit, transaction frequency, transaction time, transaction object, and transaction channel.

4. The method according to claim 3, characterized in that When the real-time transaction restriction factor information is a transaction limit, the real-time transaction restriction factor information of each corporate customer real-time transaction in each corporate customer subset is determined according to the customer transaction data of each corporate customer subset, including: Calculate the average transaction amount and the maximum transaction amount of each corporate customer subset based on the customer transaction data of each corporate customer subset; Determine the average transaction amount of each corporate customer subset as real-time transaction restriction factor information of a first corporate customer in each corporate customer subset, wherein the first corporate customer is a corporate customer in each corporate customer subset whose transaction amount is less than or equal to the average transaction amount; The maximum transaction amount of each corporate customer subset is determined as the real-time transaction restriction factor information of the second corporate customer in each corporate customer subset, wherein the second corporate customer is a corporate customer whose transaction amount is greater than the average transaction amount in each corporate customer subset.

5. A corporate customer transaction restriction device based on blockchain, characterized in that: include: A transaction data acquisition module is used to obtain the historical transaction data of each corporate customer in the corporate customer set; A customer clustering module, configured to cluster each corporate customer in the corporate customer set using a k-means clustering algorithm according to the historical transaction data to obtain a plurality of corporate customer subsets; A real-time transaction restriction factor information determination module, used to determine the real-time transaction restriction factor information of each corporate customer real-time transaction in each corporate customer subset according to the customer transaction data of each corporate customer subset; The real-time transaction restriction factor information chain module is used to store the real-time transaction restriction factor information of each corporate customer's real-time transaction on the blockchain network; A business transaction restriction module, used to restrict business transactions of each corporate customer based on real-time transaction restriction factor information of each corporate customer's real-time transactions stored on the blockchain network; The business transaction restriction module is specifically used to restrict the business transactions of each corporate customer according to the real-time transaction restriction factor information of each corporate customer's real-time transaction stored on the blockchain network, including: after receiving a business transaction request initiated by any corporate customer, judging that the transaction amount of the corporate customer is less than or equal to the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network; if the transaction amount of the corporate customer is less than or equal to the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network, executing the current business transaction of the corporate customer according to the real-time business transaction process of the individual customer; if the transaction amount of the corporate customer is greater than the transaction limit of the real-time transaction of the corporate customer stored on the blockchain network, executing the business transaction corresponding to the business transaction request according to the batch business transaction process of the corporate customer; A real-time transaction restriction factor customization module is used to receive real-time transaction restriction requests initiated by each corporate customer, wherein the transaction restriction request contains real-time transaction restriction factor information customized by each corporate customer; The review module is used to review the real-time transaction restriction factor information customized by each corporate customer; The real-time transaction restriction factor information chain module is also used to store the real-time transaction restriction factor information customized by each corporate customer on the blockchain network when the real-time transaction restriction factor information customized by each corporate customer is reviewed and passed; The risk data prediction module is used to predict the risk category and risk probability of each corporate customer based on the trained risk prediction model and the real-time transaction restriction factor information customized by each corporate customer; The risk data output module is used to send the risk category and risk probability of each corporate customer to each corporate customer, and store the risk category and risk probability of each corporate customer on the blockchain network; restrict the business transactions of each corporate customer based on the risk category and risk probability of each corporate customer; if the risk probability of the corporate account of a corporate customer being stolen is greater than 0.9, obtain the facial information of the financial director and legal person of the corporate customer and verify it; when sending the risk category and risk probability of each corporate customer to each corporate customer, send the risk category and risk probability of each corporate customer to the 5G client of each corporate customer through 5G messages.

6. The device according to claim 5, characterized in that The device also includes: A knowledge graph module is used to obtain related customers or similar customers of any corporate customer from a pre-built customer relationship knowledge graph based on the customer information of the corporate customer; The real-time transaction restriction factor information determination module is further used to determine the real-time transaction restriction factor information of associated customers or similar customers as the real-time transaction restriction factor information of the corporate customers.

7. The device according to any one of claims 5 to 6, characterized in that The real-time transaction restriction factor information is any one or a combination of the following: transaction limit, transaction frequency, transaction time, transaction object, and transaction channel.

8. The device according to claim 7, characterized in that When the real-time transaction restriction factor information is a transaction limit, the real-time transaction restriction factor information determination module is further used to: Calculate the average transaction amount and the maximum transaction amount of each corporate customer subset based on the customer transaction data of each corporate customer subset; Determine the average transaction amount of each corporate customer subset as real-time transaction restriction factor information of a first corporate customer in each corporate customer subset, wherein the first corporate customer is a corporate customer in each corporate customer subset whose transaction amount is less than or equal to the average transaction amount; The maximum transaction amount of each corporate customer subset is determined as the real-time transaction restriction factor information of the second corporate customer in each corporate customer subset, wherein the second corporate customer is a corporate customer whose transaction amount is greater than the average transaction amount in each corporate customer subset.

9. A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the blockchain-based corporate customer transaction restriction method described in any one of claims 1 to 4 is implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, it implements the blockchain-based corporate customer transaction restriction method as described in any one of claims 1 to 4.

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