A list sharing method, device, equipment and storage medium

Abstract

Embodiments of the present invention relate to the field of blockchain technology, and in particular to a list sharing method, device, equipment and storage medium. The method includes: upon receiving a user screening instruction, obtaining the user to be screened corresponding to the user screening instruction, and determining whether the user to be screened hits the target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain; if the user to be screened hits the target list, determining whether to allow the user to be screened to access, and determining whether the user to be screened has a transaction risk based on the determination result; uploading the second information of the user to be screened with a transaction risk to a private chain, so as to update the target list on the public chain based on the second information on the private chain. The technical solution of the embodiment of the present invention can realize the sharing of the target list.

Description

Technical Field

[0001] Embodiments of the present invention relate to the field of blockchain technology, and in particular to a list sharing method, device, equipment and storage medium. Background Art

[0002] In the existing financial system, there are few channels for information exchange between financial institutions, and there is a lack of effective information exchange mechanisms. Specifically, each financial institution builds and / or purchases its own target list that meets certain transaction needs. Then, when a user goes to a financial institution to handle business, the financial institution can determine whether the user has transaction risks based on its own target list, and then determine whether to handle business for the user based on the judgment result. However, it is currently impossible to share target lists among financial institutions, which is not conducive to the analysis and identification of suspicious transactions. Summary of the invention

[0003] The embodiments of the present invention provide a list sharing method, device, equipment and storage medium to achieve the effect of sharing a target list.

[0004] In a first aspect, an embodiment of the present invention provides a list sharing method, which may include:

[0005] Upon receiving a user screening instruction, obtaining a user to be screened corresponding to the user screening instruction, and determining whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain;

[0006] If the user to be screened hits the target list, determine whether to allow the user to be screened to enter, and determine whether the user to be screened has transaction risks based on the determination result;

[0007] The second information of the to-be-screened user with transaction risk is uploaded to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0008] In a second aspect, an embodiment of the present invention further provides a list sharing device, which may include:

[0009] A list hit module is used to obtain the to-be-screened user corresponding to the user screening instruction upon receiving the user screening instruction, and determine whether the to-be-screened user hits the target list, wherein the target list includes a list of first information of users with transaction risks obtained from the public chain;

[0010] A transaction risk determination module, used to determine whether to allow the user to be screened to access if the user to be screened hits the target list, and determine whether the user to be screened has transaction risks based on the determination result;

[0011] The list updating module is used to upload the second information of the to-be-screened users with transaction risks to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0012] In a third aspect, an embodiment of the present invention further provides a list sharing device, which may include:

[0013] one or more processors;

[0014] A memory for storing one or more programs;

[0015] When one or more programs are executed by one or more processors, the one or more processors implement the list sharing method provided by any embodiment of the present invention.

[0016] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium having a computer program stored thereon, which, when executed by a processor, implements the list sharing method provided by any embodiment of the present invention.

[0017] In a fifth aspect, an embodiment of the present invention further provides a computer program product on which a computer program is stored, and when the computer program is executed by a processor, the list sharing method provided by any embodiment of the present invention is implemented.

[0018] The technical solution of the embodiment of the present invention determines whether the user to be screened hits the target list by obtaining the user to be screened corresponding to the received user screening instruction, wherein the target list includes a list of first information of users with transaction risks obtained from the public chain; if the user to be screened hits the target list, in order to avoid false hits, it can be further determined whether the user to be screened is allowed to access, and then whether the user to be screened really has a transaction risk based on the determination result; if so, its second information can be uploaded to the private chain, so as to update the target list stored on the public chain based on the second information uploaded to the private chain. In the above technical solution, an institution uploads the second information of the user to be screened who is considered to have a transaction risk after analysis to the private chain where the institution is located, and other institutions can obtain the target list storing the second information from the corresponding public chain, thereby achieving the effect of sharing the target list. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] Figure 1 is a schematic diagram of a blockchain in a list sharing method in an embodiment of the present invention;

[0020] Figure 2 is a flow chart of a list sharing method in Embodiment 1 of the present invention;

[0021] Figure 3is a flow chart of a list sharing method in Embodiment 2 of the present invention;

[0022] Figure 4 is a flowchart of an optional example of a list sharing method in Embodiment 2 of the present invention;

[0023] Figure 5 is a flow chart of a list sharing method in Embodiment 3 of the present invention;

[0024] Figure 6 It is a structural block diagram of a list sharing device in Embodiment 4 of the present invention;

[0025] Figure 7 It is a structural diagram of a list sharing device in Embodiment 5 of the present invention. DETAILED DESCRIPTION

[0026] The present invention is further described in detail below in conjunction with the accompanying drawings and embodiments. It is to be understood that the specific embodiments described herein are only used to explain the present invention, rather than to limit the present invention. It is also necessary to explain that, for ease of description, only parts related to the present invention, rather than all structures, are shown in the accompanying drawings.

[0027] Before introducing the embodiment of the present invention, the application scenario of the embodiment of the present invention is first exemplified: continuing with the example in the background technology, assuming that the target list is an illegal business list, in order to realize the sharing of the illegal business list among various financial institutions, an illegal business list sharing platform can be constructed based on blockchain technology, thereby allowing more financial institutions such as banks, financial enterprises, third-party Internet financial platforms, etc. to join the blockchain. This decentralized operation sharing model has lower construction and operation costs; moreover, each node in the financial institution has the ability to upload, delete and obtain data at any time, which lays a good foundation for data analysis of nodes in other financial institutions, thereby breaking the information barriers between financial institutions and achieving mutual benefit between them; moreover, the blockchain can ensure that the uploaded data is open, transparent, authentic, will not be tampered with and is traceable, thereby establishing data trust between the participating financial institutions and protecting the security of the data.

[0028] For details, see Figure 1, each organization can generate its own independent encrypted block, which can be referred to as a private chain. Multiple nodes can be set on the private chain, and each node can be a computer (including mobile phones, etc.) in the blockchain network. After a member of an organization uploads the illegal business list through a node in the organization, it can be considered that a new block has been generated, and the node that generates the block can quickly broadcast the block to other nodes in the organization, and they will verify the validity of the block. When a certain proportion of nodes verify that the block is valid, the previous block of the block can be found on the chain, thus becoming the tamper-proof data on the private chain where the organization is located. On this basis, the illegal business list sharing platform can upload the data of the private chain to the public chain.

[0029] It should be noted that, in order to more vividly understand the specific implementation process of the following embodiments, financial institutions are used as examples for explanation. In practical applications, the following embodiments can also be applied to other institutions with transaction needs, such as real estate institutions, clothing institutions, etc., which are not specifically limited here.

[0030] Embodiment 1

[0031] Figure 2 This is a flow chart of a list sharing method provided in the first embodiment of the present invention. This embodiment is applicable to the case of list sharing, and is particularly applicable to the case where a financial institution uploads the second information of a user to be screened who is considered to have transaction risks after analysis to the private chain of the financial institution, and other financial institutions can obtain the target list storing the second information from the corresponding public chain, thereby sharing the list. This method can be executed by the list sharing device provided in the embodiment of the present invention, and the device can be implemented by software and / or hardware. The device can be integrated on the list sharing device, which can be various user terminals or servers.

[0032] See also Figure 2 The method of the embodiment of the present invention specifically includes the following steps:

[0033] S110. When a user screening instruction is received, the user to be screened corresponding to the user screening instruction is obtained, and it is determined whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain.

[0034] Among them, the user screening instruction can be an instruction for screening whether the user to be screened has a transaction risk, which can be an event triggered when the user to be screened comes to a financial institution to handle business. The transaction risk can be a risk in the transaction process (or the business handling process), which is not specifically limited here. The target list of the first information of the user with transaction risk is obtained from the public chain. This acquisition process can be understood as the process of downloading the target list to the local, or it can be understood as the process of directly querying the target list in the public chain. It is judged whether the user to be screened hits the user recorded in the target list, specifically, it can be judged by comparing the second information of the user to be screened with the first information of the user recorded in the target list. In practical applications, it is optional to judge whether the user to be screened hits the target list, or it can be judged whether the benefited user associated with the user to be screened hits the target list, wherein the benefited user can be the user who can benefit from the user to be screened after handling the business. For example, when the user to be screened is the finance of a company, the benefited user can be the legal representative of the company. Optionally, when the user to be screened does not hit the target list, this indicates that he or she does not have transaction risk, and an instruction to handle business for the user to be screened can be issued so that the staff of the financial institution can handle business for the user to be screened.

[0035] S120: If the user to be screened hits the target list, determine whether to allow the user to be screened to access, and determine whether the user to be screened has transaction risks based on the determination result.

[0036] Among them, when the user to be screened hits the target list, it means that the user to be screened may have transaction risks, but it is only possible and not certain. This is because when the first information recorded in the target list is incomplete, there may be a false hit. For example, assuming that a user with transaction risks only records his name in the target list, then at this time there may be a hit because the user to be screened has the same name as the user. Therefore, in order to ensure the accuracy of user screening, it can be further determined whether to allow the user to be screened to enter, that is, to further determine whether the user to be screened really has transaction risks.

[0037] On this basis, optionally, if it is determined that the user to be screened is allowed to access, that is, it is determined that the user to be screened does not have transaction risks, an instruction to handle business for the user to be screened can be issued, so that the staff of the financial institution can handle business for the user to be screened. Optionally, if it is determined that the user to be screened is not allowed to access, an alarm information related to the transaction risk of the user to be screened can be issued.

[0038] S130: Upload the second information of the to-be-screened user with transaction risk to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0039] Among them, if after the above analysis, it is considered that the user to be screened has a transaction risk, the second information of the user to be screened can be obtained, and the second information can be uploaded to the private chain where the financial institution is located, so as to update the target list stored on the public chain based on the second information uploaded to the private chain. This update process can be to add the second information, replace the first information corresponding to it based on the second information, delete a certain first information, etc., which is not specifically limited here. The above second information can be understood as the attribute information of the user to be screened, such as name, identity, birthday, address, nationality, practice, assets, etc., which is not specifically limited here. It should be noted that the above uploading of the second information of the user to be screened with transaction risk to the private chain is performed by the list sharing device, which can be an electronic device deployed with a list sharing platform, or other electronic devices; the step of updating the target list on the public chain based on the second information on the private chain can be performed by the list sharing device, or by other electronic devices, which is not specifically limited here. In addition, when storing and / or processing the above attribute information, it complies with the relevant provisions of national laws and regulations.

[0040] For each financial institution, it can upload the second information of the users to be screened with transaction risks obtained through its own analysis to the blockchain (specifically, first upload it to the private chain where the financial institution is located, and then upload it from the private chain to the public chain). Then the remaining financial institutions can directly obtain the analysis results of the financial institution from the public chain and reuse the analysis results without the need to repeatedly analyze the same user to be screened. In this way, while achieving the sharing of the target list, it also achieves the effects of dynamic expansion of the target list, rapid analysis of the users to be screened (no need to conduct due diligence on each user to be screened), and reducing the cost of acquiring the target list (no need to purchase or build it entirely by oneself).

[0041] The technical solution of the embodiment of the present invention determines whether the user to be screened hits the target list by obtaining the user to be screened corresponding to the received user screening instruction, wherein the target list includes a list of first information of users with transaction risks obtained from the public chain; if the user to be screened hits the target list, in order to avoid false hits, it can be further determined whether the user to be screened is allowed to access, and then whether the user to be screened really has a transaction risk based on the determination result; if so, its second information can be uploaded to the private chain, so as to update the target list stored on the public chain based on the second information uploaded to the private chain. In the above technical solution, an institution uploads the second information of the user to be screened who is considered to have a transaction risk after analysis to the private chain where the institution is located, and other institutions can obtain the target list storing the second information from the corresponding public chain, thereby achieving the effect of sharing the target list.

[0042] Embodiment 2

[0043] Figure 3 It is a flow chart of a list sharing method provided in the second embodiment of the present invention. This embodiment is optimized based on the above-mentioned technical solutions. In this embodiment, optionally, determining whether to allow the user to be screened to access includes: determining the hit user hit by the user to be screened in the target list, and obtaining the first screening condition when the hit user is judged to have a transaction risk; determining whether to allow the user to be screened to access based on the first screening condition. Among them, the explanations of the terms that are the same or corresponding to the above-mentioned embodiments are not repeated here.

[0044] See also Figure 3 The method of this embodiment may specifically include the following steps:

[0045] S210. When a user screening instruction is received, the user to be screened corresponding to the user screening instruction is obtained, and it is determined whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain.

[0046] S220: If the user to be screened hits the target list, determine the hit user hit by the user to be screened in the target list, and obtain the first screening condition when the hit user is determined to have transaction risk.

[0047] Among them, the hit user can be a user in the target list who is relatively similar to the user to be screened, specifically, it can be a user in the target list whose first information has a certain degree of overlap with the second information of the user to be screened. The first screening condition can be the condition when the hit user is judged or screened as a user with transaction risks, which can include two parts: one is the key information that needs to be considered during screening, which may or may not belong to the first information, such as name, ID number, birthday, address, nationality, practice, assets, etc.; the other is the conditions that the key information needs to meet when it is judged to have transaction risks, such as the last number of the ID number, the country of nationality, the assets above a certain amount, etc.

[0048] In actual applications, optionally, if the hit user is a user added to the target list by the financial institution that receives the user screening instruction, the first screening condition can be directly obtained from the local location of the financial institution itself; if the hit user is a user added to the target list by a financial institution other than the financial institution that receives the user screening instruction, the first screening condition can be obtained from the public chain; and so on, no specific limitation is made here.

[0049] S230: Determine whether to allow the user to be screened to access based on the first screening condition, and determine whether the user to be screened has transaction risks according to the determination result.

[0050] Among them, since the hit user is a user judged to have transaction risks based on the first screening condition, in order to determine whether the user to be screened really hits the hit user, it is possible to determine again whether the user to be screened hits based on the first screening condition, that is, determine whether the user to be screened is allowed to enter.

[0051] On this basis, optionally, if it is determined based on the first screening condition that the user to be screened is not allowed to enter, then in order to further determine whether the user to be screened really has transaction risks and to avoid misjudgment, an instruction to conduct due diligence on the user to be screened can be issued, so as to determine whether to allow the user to be screened to enter based on the results of the due diligence. In practical applications, due diligence is also called prudent investigation, which can collect basic information of the user to be screened through questionnaires, interviews, etc., and then make risk judgments based on this basic information.

[0052] S240: Upload the second information of the to-be-screened user with transaction risk to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0053] The technical solution of the embodiment of the present invention determines the hit user hit by the user to be screened in the target list, and obtains the first screening condition when the hit user is judged to have transaction risk, and then determines whether to allow the user to be screened to access based on the first screening condition, thereby achieving the effect of accurately judging whether the user to be screened really hits the target list.

[0054] An optional technical solution, uploading the second information of the users to be screened who have transaction risks to a private chain, so as to update the target list on the public chain based on the second information on the private chain, may include: obtaining the second information of the users to be screened who have transaction risks, and the second screening condition when the users to be screened are judged to have transaction risks; uploading the second information and the second screening condition to the private chain, so as to update the target list on the public chain based on the upload result on the private chain; obtaining the first screening condition when the hit user is judged to have transaction risks, which may include: obtaining the first screening condition when the hit user is judged to have transaction risks from the target list.

[0055] Among them, the second screening condition can be the condition when the user to be screened is judged or screened as a user with transaction risk, which can include two parts: one is the key information that needs to be considered during screening, which key information may belong to or not belong to the second information, such as name, ID number, birthday, address, nationality, practice, assets, etc.; the other is the condition that the key information needs to meet when it is judged to have transaction risk, such as the last number of the ID number, the country of nationality, the assets above, etc. It should be noted that since the screening conditions used by various financial institutions when determining whether a user has transaction risk may be the same or different, the second screening condition and the first screening condition described above may be the same or different, and no specific limitation is made here. The second screening condition and the second information are uploaded to the private chain at the same time, so as to update the target list stored on the public chain based on the second screening condition and the second information uploaded to the private chain. Since the second screening condition can be used as the first screening condition of the user with transaction risk recorded in the target list after being uploaded to the public chain, the first screening condition can be obtained from the public chain in subsequent applications, thereby achieving the effect of sharing the first screening condition.

[0056] In order to better understand the specific implementation process of the above steps, the illegal business list sharing platform in the above example is used as an example to illustrate the list sharing method described in this embodiment. Figure 4, the illegal business list sharing platform may include an illegal business list screening system, an illegal business reporting system, a due diligence system, and an external list data interface. Specifically, based on the illegal business list screening system, it is determined whether a user to be screened who goes to a financial institution to handle business hits the target list, and the target list records the first information of users with illegal business risks; if not, the user to be screened is allowed to handle business, otherwise, based on the first screening condition of the hit user hit by the user to be screened in the target list, it is further determined whether the user to be screened is allowed to access; if not, it means that it has illegal business risks, then an alarm is issued, otherwise, based on the due diligence system, due diligence is performed on the user to be screened to determine again whether the user to be screened really has illegal business risks; if not, the user to be screened is allowed to handle business, otherwise, the user to be screened really has illegal business risks, then an alarm is issued. In actual applications, users who are judged to have illegal operation risks can be added to the underlying database of the sharing platform based on the illegal operation reporting system. The underlying database of the sharing platform can be a database built based on blockchain. It can also receive various lists based on the external list data interface, such as sanctions lists, target lists, default lists, legal supervision lists, high-profile groups, etc., thereby realizing the dynamic expansion of various lists.

[0057] Embodiment 3

[0058] Figure 5 This is a flow chart of a list sharing method provided in the third embodiment of the present invention. This embodiment is optimized based on the above technical solutions. In this embodiment, optionally, the target list is updated through the following steps: when receiving an information upload instruction, determining the private chain corresponding to the information upload instruction, and obtaining the second information from the private chain corresponding to the information upload instruction; updating the target list on the public chain based on the second information. Among them, the explanations of the terms that are the same as or corresponding to the above embodiments are not repeated here.

[0059] See also Figure 5 The method of this embodiment may specifically include the following steps:

[0060] S310. When a user screening instruction is received, the user to be screened corresponding to the user screening instruction is obtained, and it is determined whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain.

[0061] S320: If the user to be screened hits the target list, determine whether to allow the user to be screened to access, and determine whether the user to be screened has transaction risks based on the determination result.

[0062] S330, uploading the second information of the user to be screened with transaction risk to the private chain, so that when receiving the information upload instruction, the private chain corresponding to the information upload instruction is determined, and the second information is obtained from the private chain corresponding to the information upload instruction, and the target list on the public chain is updated based on the second information.

[0063] The information upload instruction may be an instruction for uploading the second information uploaded to the private chain to the public chain, which is triggered after the second information is uploaded to the private chain. After receiving the information upload instruction, the private chain corresponding to the information upload instruction is determined, that is, the private chain that uploaded the second information is determined from each private chain, and then the second information is obtained from the private chain, and the target list is updated based on the obtained second information, thereby achieving the effect of continuous updating of the target list.

[0064] On this basis, optionally, after obtaining the second information, the sensitive information therein can be desensitized, and the sensitive information can be updated according to the desensitization result, wherein the sensitive information can be information related to the personal information of the user to be screened, such as identity identification, name, etc. Optionally, the second information, the sensitive information in the second information, or the key information in the second information can also be encrypted, and updated accordingly according to the encryption result. The effective application of desensitization and sensitive processing reduces the risk of illegal use, provision, and disclosure of personal information. In addition, the second screening condition, risk level and other data can also be encrypted, and the risk level can indicate the level of transaction risk of the user to be screened, such as high, medium-high, medium, medium-low, low, etc. The reason for setting the risk level is that the transaction risk that different financial institutions can bear may be different. When a certain financial institution determines that the user to be screened hits the target list, it can also obtain its risk level, and then determine how much transaction risk it needs to bear when handling business for the user to be screened according to the risk level, and then determine whether to handle business for it.

[0065] Optionally, after determining the private chain corresponding to the information upload instruction, obtain the second screening condition from the private chain corresponding to the information upload instruction, wherein the second screening condition is the screening condition when the user to be screened is determined to have a transaction risk; standardize the second screening condition, and update the second screening condition according to the standardization result. Among them, since the second screening conditions uploaded by each financial institution may be different, the difference may be due to the difference caused by different wordings of the same nature, or it may be due to the difference caused by different nature. In order to enable each financial institution to quickly understand the second screening conditions set by other financial institutions, after obtaining the second screening conditions, they can be standardized and updated according to the standardization result.

[0066] The technical solution of the embodiment of the present invention determines the private chain corresponding to the received information upload instruction and obtains the second information from the private chain, so that the target list on the public chain can be updated based on the second information, thereby achieving the effect of continuous updating of the target list.

[0067] An optional technical solution, updating the target list on the public chain based on the second information, may include: determining whether there is target information that overlaps with the second information among the first information recorded in the target list; if not, updating the target list on the public chain based on the second information. In order to avoid data redundancy caused by repeated chaining of the same user to be screened, it is possible to first determine whether there is target information that overlaps with the second information among the first information recorded in the target list, and the target information may be first information that completely overlaps or partially overlaps with the first information. When there is no target information, this means that the user to be screened has not been on the chain, then the target list on the public chain can be updated based on the second information, thereby achieving the effect of successfully on-chaining the user to be screened.

[0068] On this basis, optionally, the second information includes at least one second sub-information. After determining whether there is target information overlapping with the second information in each first information recorded in the target list, the above-mentioned list sharing method may also include: if yes, obtaining the target information, and determining whether there is sub-information to be updated in each second sub-information that does not overlap with each target sub-information in the target information; if yes, updating the target list on the public chain based on the sub-information to be updated. Among them, when there is target information, since the target information and the second information may be completely or partially overlapped, in order to make the first information recorded in the target list more complete, for each second sub-information in the second information and each target sub-information in the target information, it can be determined whether there is sub-information to be updated in each second sub-information that does not overlap with each target sub-information. For example, assuming that each second sub-information includes name, ID number, birthday, address and nationality, and each target sub-information includes name, ID number, profession and assets, then birthday, address and nationality belong to sub-information to be updated; based on the sub-information to be updated, the target list on the public chain is updated, thereby achieving the effect of making the portrait of each user to be screened in the target list more diversified, thereby improving and enhancing the application value of the target list.

[0069] In order to better understand the specific implementation process of each of the above steps, the illegal business list sharing platform in the above example is used as an example to illustrate the list sharing method described in this embodiment. For example, after a financial institution uploads the second information, the second screening condition and the risk level to the private chain where the financial institution is located, the illegal business list sharing platform desensitizes the identity and name in the second information, and updates the second information according to the desensitization result; encrypts the second information, the second screening condition and the risk level based on the generated pair of symmetric keys, and when it is determined that they have not been stored in the public chain, uploads the encrypted second information, the second screening condition and the risk level to the public chain, that is, based on the encrypted second information, the second screening condition and the risk level, the target list stored on the public chain is updated, thereby achieving the effect of effectively updating the target list.

[0070] Embodiment 4

[0071] Figure 6 This is a structural block diagram of a list sharing device provided in Embodiment 4 of the present invention. The device is used to execute the list sharing method provided in any of the above embodiments. The device and the list sharing method in the above embodiments belong to the same inventive concept. For details not described in detail in the embodiment of the list sharing device, please refer to the embodiment of the above list sharing method. Figure 6 The device may specifically include: a list hit module 410, a transaction risk determination module 420 and a list update module 430.

[0072] The list hit module 410 is used to obtain the to-be-screened user corresponding to the user screening instruction upon receiving the user screening instruction, and determine whether the to-be-screened user hits the target list, wherein the target list includes the list of first information of users with transaction risks obtained from the public chain;

[0073] The transaction risk determination module 420 is used to determine whether to allow the user to be screened to enter if the user to be screened hits the target list, and determine whether the user to be screened has transaction risks according to the determination result;

[0074] The list updating module 430 is used to upload the second information of the to-be-screened users with transaction risks to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0075] Optionally, the transaction risk determination module 420 may include:

[0076] A first screening condition acquisition unit, used to determine a hit user hit by the user to be screened in the target list, and to acquire a first screening condition when the hit user is determined to have a transaction risk;

[0077] The admission determination unit is used to determine whether to allow the user to be screened to enter based on the first screening condition.

[0078] On this basis, optionally, the list updating module 430 can be specifically used to:

[0079] Acquire second information of the to-be-screened user with transaction risk, and a second screening condition when the to-be-screened user is determined to have transaction risk;

[0080] Uploading the second information and the second screening condition to the private chain to update the target list on the public chain based on the upload result on the private chain;

[0081] Accordingly, the first screening condition acquisition unit may include:

[0082] The first screening condition acquisition subunit is used to acquire, from the target list, the first screening condition when the hit user is determined to have transaction risk.

[0083] Optionally, the admission determination unit may be used to:

[0084] Determine whether to allow the user to be screened to enter based on the first screening condition;

[0085] If not, an instruction to conduct due diligence on the user to be screened is issued, so as to determine whether to allow the user to be screened to access based on the result of the due diligence.

[0086] Optionally, the list hit module 410 may include:

[0087] The list hit unit is used to determine whether the user to be screened or the benefited user associated with the user to be screened hits the target list.

[0088] Optionally, the above-mentioned list sharing device may further include:

[0089] The alarm information issuing module is used to, after determining whether to allow the user to be screened to access, issue an alarm information related to the transaction risk of the user to be screened if it is determined that the user to be screened is not allowed to access.

[0090] Optionally, the above-mentioned list sharing device may further include:

[0091] The business processing module is used to issue instructions for processing business for the user to be screened if the user to be screened does not hit the target list, or if the user to be screened is allowed to enter.

[0092] Optionally, the target list is updated via the following modules:

[0093] A second information acquisition module is used to determine the private chain corresponding to the information upload instruction when receiving the information upload instruction, and obtain the second information from the private chain corresponding to the information upload instruction;

[0094] The target list updating module is used to update the target list on the public chain based on the second information.

[0095] On this basis, the target list update module may optionally include:

[0096] a target information determination unit, used to determine whether there is target information overlapping with the second information in each first information recorded in the target list;

[0097] The first target list updating unit is used to update the target list on the public chain based on the second information if no.

[0098] On this basis, optionally, the second information includes at least one second sub-information, and the target list updating module may further include:

[0099] a sub-information to be updated determining unit, configured to, after determining whether there is target information overlapping with the second information in each of the first information recorded in the target list, if yes, obtain the target information, and determine whether there is sub-information to be updated in each of the second sub-information that does not overlap with each of the target sub-information in the target information;

[0100] The second target list updating unit is used to update the target list on the public chain based on the sub-information to be updated if yes.

[0101] Optionally, the target list is also updated via the following modules:

[0102] The desensitization processing module is used to obtain the second information from the private chain corresponding to the information upload instruction.

[0103] Desensitizing the sensitive information in the second information, and updating the sensitive information according to the desensitizing result, wherein the sensitive information includes an identity identifier and / or a name; and / or,

[0104] The encryption processing module is used to perform encryption processing on the second information and update the second information according to the encryption processing result.

[0105] Optionally, the target list is also updated via the following modules:

[0106] A second screening condition acquisition module, configured to acquire a second screening condition from the private chain corresponding to the information upload instruction after determining the private chain corresponding to the information upload instruction, wherein the second screening condition is a screening condition when the user to be screened is determined to have a transaction risk;

[0107] The second screening condition standardization module is used to standardize the second screening condition and update the second screening condition according to the standardization result.

[0108] The list sharing device provided in the fourth embodiment of the present invention obtains the user to be screened corresponding to the received user screening instruction through the list hit module, and determines whether the user to be screened hits the target list, wherein the target list includes a list of first information of users with transaction risks obtained from the public chain; if the user to be screened hits the target list through the transaction risk determination module, in order to avoid the situation of false hits, it can be further determined whether the user to be screened is allowed to access, and whether the user to be screened really has transaction risks according to the determination result; if yes, through the list update module, the second information of the user to be screened can be uploaded to the private chain, so as to update the target list stored on the public chain based on the second information uploaded to the private chain. In the above device, a financial institution uploads the second information of the user to be screened that is considered to have transaction risks after analysis to the private chain where the financial institution is located, and the other financial institutions can obtain the target list storing the second information from the corresponding public chain, thereby achieving the effect of sharing the target list.

[0109] The list sharing device provided in the embodiment of the present invention can execute the list sharing method provided in any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0110] It is worth noting that in the embodiment of the above-mentioned list sharing device, the various units and modules included are only divided according to functional logic, but are not limited to the above-mentioned division, as long as the corresponding functions can be achieved; in addition, the specific names of the functional units are only for the convenience of distinguishing each other, and are not used to limit the scope of protection of the present invention.

[0111] Embodiment 5

[0112] Figure 7 A schematic diagram of a single shared device provided in Embodiment 5 of the present invention is shown in FIG. Figure 7 As shown, the device includes a memory 510, a processor 520, an input device 530, and an output device 540. The number of processors 520 in the device can be one or more. Figure 7 A processor 520 is used as an example; the memory 510, the processor 520, the input device 530 and the output device 540 in the device can be connected via a bus or other means. Figure 7 The connection via bus 550 is taken as an example.

[0113] The memory 510 is a computer-readable storage medium that can be used to store software programs, computer executable programs and modules, such as program instructions / modules corresponding to the list sharing method in the embodiment of the present invention (for example, the list hit module 410, the transaction risk determination module 420 and the list update module 430 in the list sharing device). The processor 520 executes various functional applications and data processing of the device by running the software programs, instructions and modules stored in the memory 510, that is, realizing the above-mentioned list sharing method.

[0114] The memory 510 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system and at least one application required for a function; the data storage area may store data created according to the use of the device, etc. In addition, the memory 510 may include a high-speed random access memory, and may also include a non-volatile memory, such as at least one disk storage device, a flash memory device, or other non-volatile solid-state storage device. In some instances, the memory 510 may further include a memory remotely arranged relative to the processor 520, and these remote memories may be connected to the device via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0115] The input device 530 may be used to receive input digital or character information and generate key signal input related to user settings and function control of the device. The output device 540 may include a display device such as a display screen.

[0116] Embodiment 6

[0117] Embodiment 6 of the present invention provides a storage medium including computer executable instructions, wherein the computer executable instructions are used to execute a list sharing method when executed by a computer processor, the method comprising:

[0118] Upon receiving a user screening instruction, obtaining a user to be screened corresponding to the user screening instruction, and determining whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain;

[0119] If the user to be screened hits the target list, determine whether to allow the user to be screened to enter, and determine whether the user to be screened has transaction risks based on the determination result;

[0120] The second information of the to-be-screened user with transaction risk is uploaded to the private chain, so as to update the target list on the public chain based on the second information on the private chain.

[0121] Of course, the computer executable instructions of a storage medium including computer executable instructions provided by an embodiment of the present invention are not limited to the operations of the method described above, and can also execute related operations in the list sharing method provided by any embodiment of the present invention.

[0122] Through the above description of the implementation methods, the technicians in the relevant field can clearly understand that the present invention can be implemented by means of software and necessary general hardware, and of course it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention is essentially or the part that contributes to the prior art can be embodied in the form of a software product, and the computer software product can be stored in a computer-readable storage medium, such as a computer floppy disk, read-only memory (ROM), random access memory (RAM), flash memory (FLASH), hard disk or optical disk, etc., including a number of instructions for a computer device (which can be a personal computer, server, or network device, etc.) to execute the methods described in each embodiment of the present invention.

[0123] Note that the above are only preferred embodiments of the present invention and the technical principles used. Those skilled in the art will understand that the present invention is not limited to the specific embodiments described herein, and that various obvious changes, readjustments and substitutions can be made by those skilled in the art without departing from the scope of protection of the present invention. Therefore, although the present invention has been described in more detail through the above embodiments, the present invention is not limited to the above embodiments, and may include more other equivalent embodiments without departing from the concept of the present invention, and the scope of the present invention is determined by the scope of the appended claims.

Claims

1. A list sharing method, characterized in that: include: Upon receiving a user screening instruction, obtaining a user to be screened corresponding to the user screening instruction, and determining whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain; If the user to be screened hits the target list, determining whether to allow the user to be screened to access, and determining whether the user to be screened has the transaction risk according to the determination result; Uploading the second information of the to-be-screened user with the transaction risk to a private chain, so as to update the target list on the public chain based on the second information on the private chain; The step of determining whether to allow the user to be screened to enter includes: then determining a hit user in the target list that is hit by the user to be screened, and obtaining a first screening condition when the hit user is determined to have the transaction risk; Determining whether to allow the user to be screened to enter based on the first screening condition; Wherein, determining whether to allow the to-be-screened user to access based on the first screening condition includes: Determining whether to allow the user to be screened to enter based on the first screening condition; If not, an instruction to conduct a due diligence investigation on the user to be screened is issued, so as to determine whether to allow the user to be screened to access according to the result of the due diligence investigation.

2. The method according to claim 1, characterized in that The uploading the second information of the to-be-screened user with the transaction risk to the private chain, so as to update the target list on the public chain based on the second information on the private chain, includes: Acquiring second information of the to-be-screened user who has the transaction risk, and a second screening condition when the to-be-screened user is determined to have the transaction risk; Uploading the second information and the second screening condition to a private chain, so as to update the target list on the public chain based on the upload result on the private chain; The obtaining of the first screening condition when the hit user is determined to have the transaction risk includes: A first screening condition when the targeted user is determined to have the transaction risk is obtained from the target list.

3. The method according to claim 1, characterized in that The determining whether the user to be screened hits the target list includes: Determine whether the user to be screened or a benefited user associated with the user to be screened hits the target list.

4. The method according to claim 1, characterized in that: After determining whether to allow the user to be screened to enter, the method further includes: If it is determined that the user to be screened is not allowed to enter, an alarm message related to the transaction risk of the user to be screened is issued.

5. The method according to claim 1, characterized in that Also includes: If the user to be screened does not hit the target list, or the user to be screened is allowed to enter, an instruction to handle business for the user to be screened is issued.

6. The method according to claim 1, characterized in that The target list is updated by the following steps: Upon receiving the information upload instruction, determining the private chain corresponding to the information upload instruction, and acquiring the second information from the private chain corresponding to the information upload instruction; The target list on the public chain is updated based on the second information.

7. The method according to claim 6, characterized in that The updating of the target list on the public chain based on the second information includes: Determine whether there is target information overlapping with the second information in each of the first information recorded in the target list; If not, the target list on the public chain is updated based on the second information.

8. The method according to claim 7, characterized in that The second information includes at least one second sub-information, and after determining whether there is target information overlapping with the second information in each of the first information recorded in the target list, the method further includes: If yes, then obtaining the target information, and determining whether there is sub-information to be updated in each of the second sub-information that does not overlap with each of the target sub-information in the target information; If yes, the target list on the public chain is updated based on the sub-information to be updated.

9. The method according to claim 6, characterized in that After acquiring the second information from the private chain corresponding to the information upload instruction, the method further includes: Desensitizing the sensitive information in the second information, and updating the sensitive information according to the desensitizing result, wherein the sensitive information includes an identity identifier and / or a name; and / or, The second information is encrypted and updated according to the encryption result.

10. The method according to claim 6, characterized in that After determining the private chain corresponding to the information upload instruction, the method further includes: Acquiring a second screening condition from the private chain corresponding to the information uploading instruction, wherein the second screening condition is a screening condition when the user to be screened is determined to have the transaction risk; The second screening condition is standardized, and the second screening condition is updated according to the standardized processing result.

11. A list sharing device, characterized in that: include: A list hit module, configured to, upon receiving a user screening instruction, obtain a user to be screened corresponding to the user screening instruction, and determine whether the user to be screened hits a target list, wherein the target list includes a list of first information of users with transaction risks obtained from a public chain; A transaction risk determination module, used for determining whether to allow the user to be screened to access if the user to be screened hits the target list, and determining whether the user to be screened has the transaction risk according to the determination result; A list updating module, configured to upload the second information of the to-be-screened user with the transaction risk to a private chain, so as to update the target list on the public chain based on the second information on the private chain; Wherein, the transaction risk determination module includes: A first screening condition acquisition unit, used to determine a hit user hit by the user to be screened in the target list, and to acquire a first screening condition when the hit user is determined to have a transaction risk; An admission determination unit, used to determine whether to allow the user to be screened to enter based on the first screening condition; The admission determination unit is specifically used to: Determine whether to allow the user to be screened to enter based on the first screening condition; If not, an instruction to conduct due diligence on the user to be screened is issued, so as to determine whether to allow the user to be screened to access based on the result of the due diligence.

12. A list sharing device, characterized in that: include: one or more processors; A memory for storing one or more programs; When the one or more programs are executed by the one or more processors, the one or more processors implement the list sharing method as described in any one of claims 1-10.

13. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the list sharing method as described in any one of claims 1 to 10 is implemented.

14. A computer program product, comprising a computer program, wherein when the computer program is executed by a processor, the list sharing method according to any one of claims 1 to 10 is implemented.

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