Transaction supervision method, device and electronic device on blockchain

Abstract

The present invention provides a transaction supervision method, device and electronic device on a blockchain, the method comprising: obtaining user information of a target user from a target blockchain; judging whether the target user is a legitimate user based on the user information; if the target user is a legitimate user, obtaining the transaction information and asset information of the target user from a preset database, and determining the risk index of the target user based on the transaction information; if the risk index of the target user is greater than or equal to the preset index threshold, generating a suspicious transaction report corresponding to the target user based on the asset information. The present invention supervises the transactions of the target user based on the user information, transaction information and asset information of the target user through blockchain technology. Since the information on the blockchain is more open and transparent, the risk of data tampering is effectively reduced. Moreover, by connecting the target blockchain with a transnational blockchain, synchronous supervision of transnational financial institutions can be achieved, thereby improving the timeliness of supervision.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a transaction supervision method, device and electronic equipment on a blockchain. Background Art

[0002] In the relevant technologies, the financial regulatory method is usually that the regulatory authorities express their regulatory intentions to financial institutions through written laws, set a series of regulatory ratios and regulatory indicators for financial institutions, and implement more regular on-site inspections. This method is prone to collusion between regulatory authorities and financial institutions, thereby posing a risk of financial data being tampered with. In addition, this method has problems with low communication efficiency and poor timeliness when regulating multinational financial institutions. Summary of the invention

[0003] The purpose of the present invention is to provide a transaction supervision method, device, electronic device and machine-readable storage medium on the blockchain to improve the security of financial data and improve the communication efficiency and timeliness of supervision of multinational financial institutions.

[0004] In a first aspect, an embodiment of the present invention provides a transaction supervision method on a blockchain, the method comprising: obtaining user information of a target user from a target blockchain; judging whether the target user is a legitimate user based on the user information; the legitimate user is: a user with financial business transaction authority; if the target user is a legitimate user, obtaining the transaction information and asset information of the target user from a preset database, and determining a risk index of the target user based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information; if the risk index of the target user is greater than or equal to a preset index threshold, generating a suspicious transaction report corresponding to the target user based on the asset information.

[0005] In an optional embodiment, the above-mentioned target blockchain is connected to the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol and the alliance chain through a cross-chain gateway; the transaction information and asset information of the target user in the above-mentioned preset database are obtained through the target blockchain, the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol and the alliance chain.

[0006] In an optional implementation, the above-mentioned legal users include: users who do not appear in a preset blacklist; the above-mentioned step of determining whether the target user is a legal user based on the user information includes: determining whether the user information of the target user is complete based on the preset information options in the target blockchain; if incomplete, notifying the target user to supplement the user information; if complete, determining whether the user name in the user information appears in the preset blacklist.

[0007] In an optional embodiment, after the above step of notifying the target user to supplement the user information, the method further includes: if the supplemented and complete user information sent by the target user is received, determining whether the user name in the user information appears in a preset blacklist; if the supplemented and complete user information sent by the target user is not received within a specified time, terminating the target user's business on the target blockchain, and generating a suspicious transaction report corresponding to the target user.

[0008] In an optional implementation, if the target user is an illegal user, the target user's funds are frozen, the target user's business on the target blockchain is terminated, and a suspicious transaction report corresponding to the target user is generated; the illegal user is a user that appears in a preset blacklist.

[0009] In an optional implementation, the transaction information includes the names of the transaction parties, product data, service type, transaction geographic location and delivery channel; the step of determining the risk index of the target user based on the transaction information includes: conducting risk assessment on the names of the transaction parties, product data, service type, transaction geographic location and delivery channel in the transaction information according to the risk index assessment rules on the target blockchain to determine the risk index of the target user.

[0010] In an optional implementation, if the risk index of the target user is greater than or equal to a preset index threshold, the step of generating a suspicious transaction report corresponding to the target user based on the asset information includes: if the risk index of the target user is greater than or equal to the preset index threshold, sending a transaction review application for the transaction information to a designated management level on the target blockchain; determining the source of the assets of the target user based on the asset information; determining whether to generate a suspicious transaction report based on the transaction review result and the source of the assets returned by the designated management level; if the transaction review result is that the transaction is abnormal and / or the source of the assets is illegal, generating a suspicious transaction report and sending the suspicious transaction report to a designated location.

[0011] In an optional implementation, the method further includes: if the transaction review result is that the transaction is normal and the source of the assets is legal, monitoring whether the target user updates the user information on the target blockchain; if the user information is updated, continuing to execute the step of obtaining the user information of the target user from the target blockchain to supervise the transactions of the target user.

[0012] In an optional implementation, the above method further includes: saving the target user's user information, transaction information, asset information, risk index and suspicious transaction report.

[0013] In a second aspect, an embodiment of the present invention provides a transaction supervision device on a blockchain, the device comprising: an information acquisition module, used to obtain user information of a target user from a target blockchain; a legitimacy judgment module, used to judge whether the target user is a legitimate user based on the user information; the legitimate user is: a user with financial business transaction authority; a risk index determination module, used to obtain the transaction information and asset information of the target user from a preset database if the target user is a legitimate user, and determine the risk index of the target user based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information; a transaction report generation module, used to generate a suspicious transaction report corresponding to the target user based on the asset information if the risk index of the target user is greater than or equal to a preset index threshold.

[0014] In a third aspect, an embodiment of the present invention provides an electronic device, comprising a processor and a memory, wherein the memory stores machine executable instructions that can be executed by the processor, and the processor executes the machine executable instructions to implement the above-mentioned transaction supervision method on the blockchain.

[0015] In a fourth aspect, an embodiment of the present invention provides a machine-readable storage medium, which stores machine-executable instructions. When the machine-executable instructions are called and executed by a processor, the machine-executable instructions prompt the processor to implement the transaction supervision method on the above-mentioned blockchain.

[0016] The embodiments of the present invention bring the following beneficial effects:

[0017] The transaction supervision method, device and electronic device on the blockchain provided by the embodiment of the present invention, in the process of supervision, first obtain the user information of the target user from the target blockchain; then judge whether the target user is a legal user based on the user information; the legal user is: a user with financial business transaction authority; if the target user is a legal user, obtain the transaction information and asset information of the target user from the preset database, and determine the risk index of the target user based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information; if the risk index of the target user is greater than or equal to the preset index threshold, generate a suspicious transaction report corresponding to the target user based on the asset information. This method supervises the transactions of the target user based on the user information, transaction information and asset information of the target user through blockchain technology. Since the information on the blockchain is more open and transparent, the risk of data tampering is effectively reduced, and the target blockchain is connected with the multinational blockchain, which can realize the synchronous supervision of multinational financial institutions, thereby improving the timeliness of supervision.

[0018] Other features and advantages of the present invention will be set forth in the following description, or some features and advantages may be inferred or unambiguously determined from the description, or may be learned by implementing the above-mentioned technology of the present invention.

[0019] In order to make the above-mentioned objects, features and advantages of the present invention more obvious and easy to understand, preferred embodiments are specifically listed below and described in detail with reference to the attached drawings. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the specific implementation methods of the present invention or the technical solutions in the prior art, the drawings required for use in the specific implementation methods or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some implementation methods of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying creative work.

[0021] Figure 1 A flowchart of a transaction supervision method on a blockchain provided by an embodiment of the present invention;

[0022] Figure 2 A flowchart of another transaction supervision method on a blockchain provided by an embodiment of the present invention;

[0023] Figure 3 A flowchart of another transaction supervision method on a blockchain provided by an embodiment of the present invention;

[0024] Figure 4 A schematic diagram of the structure of a transaction supervision device on a blockchain provided by an embodiment of the present invention;

[0025] Figure 5 A schematic diagram of the structure of an electronic device provided by an embodiment of the present invention. DETAILED DESCRIPTION

[0026] In order to make the purpose, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Generally, the components of the embodiments of the present invention described and shown in the drawings here can be arranged and designed in various different configurations.

[0027] Therefore, the following detailed description of the embodiments of the present invention provided in the accompanying drawings is not intended to limit the scope of the invention claimed for protection, but merely represents selected embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0028] The financial supervision methods used in relevant technologies are prone to collusion between regulatory authorities and financial institutions, which creates the risk of financial data being tampered with. In addition, when supervising multinational financial institutions, there are problems of low communication efficiency and poor timeliness.

[0029] Based on this, the embodiment of the present invention provides a transaction supervision method, device and electronic device on the blockchain. The technology can be applied to the monitoring scenario of transactions on the blockchain, especially in the monitoring scenario of transactions between users on different blockchains. In order to facilitate the understanding of the embodiment of the present invention, a transaction supervision method on the blockchain disclosed in the embodiment of the present invention is first described in detail. Figure 1 As shown, the method comprises the following steps:

[0030] Step S102, obtaining the user information of the target user from the target blockchain.

[0031] The target blockchain can be any one of a blockchain using Ripple as a payment protocol, a blockchain using Stellar as a payment protocol, or other self-built public chains or consortium chains. The Ripple is usually an open source, distributed payment protocol; the Stellar is usually a blockchain-based payment protocol that can be used to pay transaction fees and can serve as a bridge to enable users to trade between multiple currencies. The self-built public chain can refer to a public blockchain established by a user according to his or her own needs, that is, a blockchain that can be read by anyone in the world, anyone can send transactions and transactions can be effectively confirmed, and anyone can participate in the consensus verification process; as a substitute for centralized or quasi-centralized trust, the security of the public blockchain adopts POW (Proof of Work) and POS (Proof of Stake) and other methods to combine economic rewards and encrypted digital verification, and follow the general principle: the economic rewards that each person can obtain from it are proportional to the contribution made to the consensus process. The consortium chain usually refers to a blockchain whose consensus process is controlled by pre-selected nodes.

[0032] In specific implementation, blockchain can allow everyone to read, can be limited to participants, or can be a mixture of the two. For example, the root hash of the blockchain and its API (Application Programming Interface) are open to the public. The API allows the outside world to make a limited number of queries and obtain the status information of the blockchain. These blockchains can be considered partially decentralized, among which the consortium chain is partially decentralized. The consortium chain is feasible in many industries. For example, in today's logistics industry, the leading enterprises in the industry first led the establishment of the logistics blockchain, and then various enterprises in the industry joined in succession to jointly establish the consortium chain of the logistics industry. Each enterprise runs a node on the consortium chain. In order for each block on the consortium chain to take effect, it must obtain 51% or more of the corresponding nodes of the enterprise for confirmation. All joined nodes operate in the consortium chain in an effective or limited decentralized form.

[0033] The above-mentioned target user is any user registered on the target blockchain, wherein the user can register on the APP (Application) of a web page or terminal device (e.g., mobile phone, tablet computer, etc.). During the registration process or after the registration is completed, the user needs to submit personal information and company information through the web page or the APP of the terminal device, so that the SDK (Software Development Kit) corresponding to the web page or the APP of the terminal device can import the personal information and company information into the target blockchain; the personal information may include: name, ID card, passport number, date of birth, nationality, occupation and other information; company information may include: company name, business registration number, business address, registered address, nature of business, detailed information of directors and shareholders, etc. Specifically, the above-mentioned user information includes personal information and company information.

[0034] In some embodiments, a source database is also provided on the target blockchain, and the source database stores user information established through marketing centers, third-party promotions, business department form filling, account opening review, etc. Therefore, part of the user information of the target user can also be obtained from the source database, thereby improving the user information and facilitating the monitoring of users on the blockchain.

[0035] Step S104: judging whether the target user is a legitimate user based on the above user information; the legitimate user is a user with financial business transaction authority.

[0036] According to the name, ID number or company name of the target user in the user information, it can be determined whether the target user is a legitimate user. In the specific implementation, a blacklist can be established in advance, which stores information such as the user's name, ID number or company name. The users in the blacklist are users involved in illegal transactions (for example, illegal fundraising, etc.), and the users do not have the authority to conduct financial business transactions on the target blockchain; then check whether the name, ID number or company name of the target user is in the blacklist. If so, the target user is determined to be an illegal user; if not, the target user is determined to be a legitimate user. The financial business transactions on the above blockchain include the sale of goods, transfers, remittances, borrowing and loans, etc.

[0037] Step S106, if the target user is a legitimate user, the transaction information and asset information of the target user is obtained from the preset database, and the risk index of the target user is determined based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information.

[0038] The above-mentioned preset database can be a database on the target blockchain that stores the target user's transaction information, asset information, personal information and company information. When the target user is a legitimate user, the target user can conduct financial business transactions normally on the target blockchain. At the same time, the target blockchain will also obtain transaction information and asset information from the preset database to determine the target user's risk index based on the transaction information. The transaction information includes the names of the two parties to the transaction, product data, service type, transaction geographical location and delivery channel, etc., where the names of the two parties to the transaction include the name of the target user and the name of the transaction object.

[0039] The above risk index can indicate the degree of risk in the transaction information corresponding to the target user. Generally, the higher the risk index, the higher the possibility of risk. In specific implementation, if the transaction object is an illegal user, the transaction product or service type is illegal, the transaction location is a suspicious area, or the delivery channel is non-compliant, etc., the target user's risk index will be high.

[0040] In some embodiments, if the target user is an illegal user (that is, the target user is on the blacklist), it is necessary to freeze the target user's assets on the target blockchain, and prohibit or restrict the target user from conducting financial business transactions on the target blockchain.

[0041] Step S108: If the risk index of the target user is greater than or equal to the preset index threshold, a suspicious transaction report corresponding to the target user is generated based on the asset information.

[0042] The above preset index threshold is a value set by the R&D personnel according to business needs, and the value can be any value. The above asset information includes asset source, asset balance and asset change record. If the risk index of the target user is greater than or equal to the preset index threshold, it is necessary to determine whether the asset source is legal. If it is not legal, a suspicious transaction report corresponding to the target user will be generated and sent to a designated email address or faxed to a designated phone number. The suspicious transaction report contains the target user's user information, transaction information and risk index.

[0043] The embodiment of the present invention provides a transaction supervision method on a blockchain, firstly obtaining the user information of a target user from a target blockchain; then judging whether the target user is a legitimate user based on the user information; the legitimate user is: a user with financial business transaction authority; if the target user is a legitimate user, obtaining the transaction information and asset information of the target user from a preset database, and determining the risk index of the target user based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information; if the risk index of the target user is greater than or equal to the preset index threshold, a suspicious transaction report corresponding to the target user is generated based on the asset information. This method uses blockchain technology to supervise the transactions of the target user based on the user information, transaction information and asset information of the target user. Since the information on the blockchain is more open and transparent, the risk of data tampering is effectively reduced, and the target blockchain is connected to the transnational blockchain, which can realize the synchronous supervision of transnational financial institutions, thereby improving the timeliness of supervision.

[0044] The embodiment of the present invention also provides another transaction supervision method on the blockchain, which is implemented on the basis of the above embodiment method; the method focuses on describing the specific process of determining whether the target user is a legitimate user based on the user information (implemented by the following steps S204-S208); Figure 2 As shown, the method comprises the following steps:

[0045] Step S202, obtaining the user information of the target user from the target blockchain.

[0046] Step S204, judging whether the user information of the target user is complete according to the preset information options in the target blockchain; if incomplete, executing step S206; if complete, executing step S208.

[0047] The above-mentioned preset information options may refer to the content that must be included in the user information set by the R&D personnel according to the regulatory requirements. When the user information contains all the content corresponding to the preset information, it is determined that the user information is complete. In specific implementation, the above-mentioned preset information options include: name, ID number, passport number, date of birth, transaction intention, beneficial owner (the beneficial owner can be optional), company name, business registration number, business address, registered address, nature of business, and detailed information of directors and shareholders.

[0048] Step S206, notify the target user to supplement the user information; execute step S210.

[0049] If the user information does not contain any of the preset information options (options other than optional ones), it is determined that the user information of the target user is incomplete. At this time, it is necessary to send an information supplement instruction to the terminal device corresponding to the target user to notify the target user to supplement the user information. The information supplement instruction carries the content in the preset information options that the target user needs to supplement.

[0050] Step S208, determining whether the user name in the user information appears in the preset blacklist; if it is in the preset blacklist, executing step S216; otherwise, executing step S214.

[0051] In specific implementation, a preset blacklist may be established, in which information such as user's name, ID number or company name is stored. The users in the blacklist are users involved in illegal transactions, that is, illegal users.

[0052] Step S210, determining whether the supplementary and complete user information sent by the target user is received within the specified time; if so, executing step S208; otherwise, executing step S212.

[0053] Step S212: terminate the target user's business on the target blockchain and generate a suspicious transaction report corresponding to the target user.

[0054] After notifying the target user to supplement the user information, if the target blockchain receives the supplemented user information sent by the target user through the terminal within the specified time, it is necessary to determine whether the user name in the user information (equivalent to the name of the above user) appears in the preset blacklist to determine whether the target user is a legitimate user. If the target blockchain does not receive the supplemented user information sent by the target user within the specified time, or does not receive any information, it can also be understood that the target user refuses to supplement the information, and the business of the target user on the target blockchain is terminated, a suspicious transaction report corresponding to the target user is generated, and the suspicious transaction report is sent to a designated mailbox or faxed to a designated telephone number, etc.

[0055] Step S214, obtaining the target user's transaction information and asset information from a preset database, and determining the target user's risk index based on the transaction information; executing step S218.

[0056] In specific implementation, the above-mentioned target blockchain can be connected with the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol, and the alliance chain through the cross-chain gateway; the transaction information and asset information of the target user in the above-mentioned preset database can be obtained through the target blockchain, the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol, and the alliance chain. It can also be understood that the transaction information and asset information of the target user stored in the preset data can be obtained from the target blockchain, or from the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol, and the alliance chain through the cross-chain gateway of the target blockchain. The transaction information and asset information of the user obtained in this way is more comprehensive, which is conducive to the comprehensive assessment of the risk index of the target user, and at the same time realizes the cross-chain supervision of the target user.

[0057] Step S216: freeze the target user’s funds, terminate the target user’s business on the target blockchain, and generate a suspicious transaction report corresponding to the target user.

[0058] Step S218: If the risk index of the target user is greater than or equal to the preset index threshold, a suspicious transaction report corresponding to the target user is generated based on the asset information.

[0059] If the user name in the user information appears in the preset blacklist, the target user is determined to be an illegal user. At this time, it is necessary to obtain the target user's transaction information and asset information from the preset database, and determine the target user's risk index based on the transaction information. If the user name does not appear in the preset blacklist, the target user is determined to be a legal user, and the target user can conduct normal financial business transactions on the target blockchain.

[0060] The transaction supervision method on the above blockchain first obtains the user information of the target user from the target blockchain, and then determines whether the user information of the target user is complete according to the preset information options in the target blockchain; if it is incomplete, notify the target user to supplement the user information; if it is complete, determine whether the user name in the user information appears in the preset blacklist; if it appears in the preset blacklist, terminate the target user's business on the target blockchain, and generate a suspicious transaction report corresponding to the target user; if it is not in the preset blacklist, obtain the target user's transaction information and asset information from the preset database, determine the target user's risk index according to the transaction information, and if the target user's risk index is greater than or equal to the preset index threshold, generate a suspicious transaction report corresponding to the target user based on the asset information. This method effectively prevents the data from being tampered with in the centralized database through the open, transparent and tamper-proof characteristics of blockchain technology, ensures the security of the data, and can track the target user's capital flow and transaction dynamics in real time. Even if it is multinational capital, it can be monitored in real time because of the docking of the chains between the two countries, thereby ensuring the security of transactions on the blockchain.

[0061] The embodiment of the present invention also provides another transaction supervision method on the blockchain, which is implemented on the basis of the above-mentioned embodiment method; the method focuses on describing the specific process of determining the risk index of the target user according to the transaction information (implemented by the following step S308), and if the risk index of the target user is greater than or equal to the preset index threshold, generating a specific process of a suspicious transaction report corresponding to the target user based on the asset information (implemented by the following steps S312-S318); Figure 3 As shown, the method comprises the following steps:

[0062] Step S302, obtaining the user information of the target user from the target blockchain.

[0063] Step S304: judging whether the target user is a legitimate user based on the above user information.

[0064] Step S306, if the target user is a legitimate user, obtain the target user's transaction information and asset information from the preset database; the transaction information includes the names of the transaction parties, product data, service type, transaction geographic location and delivery channel.

[0065] Step S308, according to the risk index evaluation rules on the target blockchain, the names of the transaction parties, product data, service type, transaction geographical location and delivery channel in the transaction information are evaluated for risk, and the risk index of the target user is determined.

[0066] The above risk index can indicate the degree of risk in the transaction information corresponding to the target user. Generally, the higher the risk index, the higher the possibility of risk. In specific implementation, if the transaction object is an illegal user, the transaction product or service type is illegal, the transaction location is a suspicious area, or the delivery channel is non-compliant, etc., the target user's risk index will be high. Generally, the more information that causes the target user's risk index to be high exists in the target user's transaction information, the higher the risk index.

[0067] Step S310, determine whether the risk index of the target user is greater than or equal to a preset index threshold; if so, execute step S312; otherwise, execute step S318.

[0068] Step S312, sending a transaction review application for transaction information to a designated management level on the target blockchain.

[0069] The above-mentioned designated management layer can be a node device on the target blockchain corresponding to the designated anti-money laundering personnel. The designated anti-money laundering personnel can review the transaction information of the target user, that is, manually check whether the transaction information is an illegal transaction. If it is an illegal transaction, the transaction review result of the abnormal transaction is returned through the node device, and the transaction review result is reported to the anti-money laundering monitoring center. The anti-money laundering monitoring center will review the transaction information again. If the review result is still an abnormal transaction, the target user’s business on the target blockchain will be terminated. If the review result is that the transaction is normal, the transaction information and the review result will be returned to the designated anti-money laundering personnel, so that the designated anti-money laundering personnel can conduct a second review of the transaction information; if the review result of the designated anti-money laundering personnel is a legal transaction, the transaction review result of the normal transaction is returned through the node device.

[0070] Step S314, determining the asset source of the target user based on the above asset information.

[0071] Step S316, based on the transaction review results and asset sources returned by the designated management, determine whether the transaction review results indicate that the transaction is normal and the asset sources are legal; if not, execute step S318; if yes, execute step S320.

[0072] Step S318: Generate a suspicious transaction report and send the suspicious transaction report to a designated location.

[0073] Step S320, determine whether the target user updates the user information on the target blockchain; if the user information is updated, execute step S302; otherwise, execute step S322.

[0074] Step S322, the target user conducts the transaction normally; and executes step S320.

[0075] If the transaction audit result is that the transaction is abnormal, or the asset source is illegal, or the transaction is abnormal and the asset source is illegal, a suspicious transaction report corresponding to the target user is generated and sent to a designated location, which may be a designated mailbox or a designated fax phone number, etc. If the transaction audit result is that the transaction is normal and the asset source is legal, the target user can trade normally on the target blockchain, save the target user's information, and then monitor whether the target user has updated the user information on the target blockchain. If the user information is updated, step S302 will continue to be executed to monitor the target user's transactions. Otherwise, the target user continues to trade on the target blockchain and continues to monitor whether the target user has updated the user information on the target blockchain.

[0076] In some embodiments, after the transaction review result is a normal transaction and the asset source is legal, the transaction information of the target user will be sent to the anti-money laundering personnel of the business department to the corresponding node device on the target blockchain, so that the anti-money laundering personnel of the business department can modify, supplement and improve the transaction information according to the user information of the target user and other on-chain information, and send the modified, supplemented and improved transaction information again to the designated anti-money laundering personnel for review, and then execute steps S312-S322 again in sequence to monitor the target user's activities on the target blockchain in real time, so that the target user's transactions on the blockchain can be monitored more comprehensively.

[0077] In the specific implementation, the target blockchain will save the user information, transaction information, asset information, risk index and suspicious transaction report corresponding to the target user in real time; it can also save the transaction monitoring process and analysis results of the target user, so that all data on the target blockchain can be distributedly stored and recorded, ensuring the security of data information and preventing data tampering.

[0078] In the specific implementation, the R&D personnel can write the transaction monitoring logic of the above steps S302-S322 or other monitoring logic into the smart contract, or write it into the DApp (Decentralized Application), and deploy the smart contract or DApp on the target blockchain to monitor the transaction through blockchain technology. The principle of this DApp is the same as that of an ordinary App, but the App is a completely decentralized application, and the DApp is a decentralized application; DApp usually exists on the Internet in a way that is not controlled by any single entity. DApp usually has four elements: open source code, incentive mechanism, decentralized consensus, and no single point of failure; DApp must be completely open source and able to run autonomously, and any individual can view the code layer of the application; DApp data and operation records are usually stored in a decentralized blockchain in an encrypted manner to avoid single point failures or data loss.

[0079] The transaction supervision method on the above-mentioned blockchain can write the logic of transaction monitoring into the smart contract and deploy it on the target blockchain to monitor transactions through blockchain technology. At the same time, the monitoring process and relevant data of the target user are distributed and stored in all nodes of the blockchain, thereby improving the security of data information. Moreover, by connecting the target blockchain with the multinational blockchain, the synchronous supervision of multinational financial institutions can be realized, thereby improving the timeliness of supervision.

[0080] Corresponding to the above method embodiment, the embodiment of the present invention provides a transaction supervision device on a blockchain, such as Figure 4 As shown, the device comprises:

[0081] The information acquisition module 40 is used to obtain the user information of the target user from the target blockchain.

[0082] The legality judgment module 41 is used to judge whether the target user is a legal user according to the user information; the legal user is a user with financial business transaction authority.

[0083] The risk index determination module 42 is used to obtain the target user's transaction information and asset information from a preset database if the target user is a legitimate user, and determine the target user's risk index based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information.

[0084] The transaction report generating module 43 is used to generate a suspicious transaction report corresponding to the target user based on the asset information if the risk index of the target user is greater than or equal to a preset index threshold.

[0085] The transaction supervision device on the above blockchain first obtains the user information of the target user from the target blockchain; then, based on the user information, determines whether the target user is a legitimate user; the legitimate user is: a user with financial business transaction authority; if the target user is a legitimate user, the transaction information and asset information of the target user are obtained from the preset database, and the risk index of the target user is determined based on the transaction information; the risk index is used to indicate the degree of risk in the transaction information; if the risk index of the target user is greater than or equal to the preset index threshold, a suspicious transaction report corresponding to the target user is generated based on the asset information. This method uses blockchain technology to supervise the transactions of the target user based on the user information, transaction information and asset information of the target user. Since the information on the blockchain is more open and transparent, the risk of data tampering is effectively reduced, and the target blockchain is connected to the multinational blockchain, which can realize the synchronous supervision of multinational financial institutions, thereby improving the timeliness of supervision.

[0086] Specifically, the above-mentioned target blockchain is connected with the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol and the alliance chain through a cross-chain gateway; the transaction information and asset information of the target user in the preset database are obtained through the target blockchain, the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol and the alliance chain.

[0087] Furthermore, the above-mentioned legal users include: users who do not appear in the preset blacklist; the above-mentioned legality judgment module 41 is used to: judge whether the user information of the target user is complete according to the preset information options in the target blockchain; if it is incomplete, notify the target user to supplement the user information; if it is complete, judge whether the user name in the user information appears in the preset blacklist.

[0088] Furthermore, the above-mentioned device also includes an information receiving module, which is used to: if the supplementary complete user information sent by the target user is received, determine whether the user name in the user information appears in the preset blacklist; if the supplementary complete user information sent by the target user is not received within the specified time, terminate the target user's business on the target blockchain, and generate a suspicious transaction report corresponding to the target user.

[0089] Furthermore, the above-mentioned device also includes a business termination module, which is used to: if the target user is an illegal user, freeze the target user's funds, terminate the target user's business on the target blockchain, and generate a suspicious transaction report corresponding to the target user; the illegal user is a user appearing in a preset blacklist.

[0090] In specific implementation, the above-mentioned transaction information includes the names of the transaction parties, product data, service type, transaction geographical location and delivery channel; the above-mentioned risk index determination module 42 is used to: conduct risk assessment on the names of the transaction parties, product data, service type, transaction geographical location and delivery channel in the transaction information according to the risk index assessment rules on the target blockchain, and determine the risk index of the target user.

[0091] Furthermore, the transaction report generation module 43 is used to: if the risk index of the target user is greater than or equal to a preset index threshold, send a transaction review application for the transaction information to a designated management level on the target blockchain; determine the asset source of the target user based on the asset information; determine whether to generate a suspicious transaction report based on the transaction review result and asset source returned by the designated management level; if the transaction review result is that the transaction is abnormal and / or the asset source is illegal, generate a suspicious transaction report and send the suspicious transaction report to a designated location.

[0092] In a specific implementation, the above-mentioned device also includes an information update module, which is used to: if the transaction review result is that the transaction is normal and the source of the assets is legal, monitor whether the target user updates the user information on the target blockchain; if the user information is updated, continue to execute the step of obtaining the user information of the target user from the target blockchain to supervise the transactions of the target user.

[0093] Furthermore, the above-mentioned device also includes a data storage module, which is used to: store the user information, transaction information, asset information, risk index and suspicious transaction report of the target user.

[0094] The transaction supervision device on the blockchain provided in the embodiment of the present invention has the same implementation principle and technical effects as those in the aforementioned method embodiment. For the sake of brief description, for matters not mentioned in the device embodiment, reference may be made to the corresponding contents in the aforementioned method embodiment.

[0095] The embodiment of the present invention further provides an electronic device, see Figure 5 As shown, the electronic device includes a processor 101 and a memory 100, wherein the memory 100 stores machine executable instructions that can be executed by the processor 101, and the processor 101 executes the machine executable instructions to implement the transaction supervision method on the above-mentioned blockchain.

[0096] Further, Figure 5 The electronic device shown further includes a bus 102 and a communication interface 103 , and the processor 101 , the communication interface 103 and the memory 100 are connected via the bus 102 .

[0097] The memory 100 may include a high-speed random access memory (RAM), and may also include a non-volatile memory, such as at least one disk storage. The communication connection between the system network element and at least one other network element is realized through at least one communication interface 103 (which may be wired or wireless), and the Internet, wide area network, local area network, metropolitan area network, etc. may be used. The bus 102 may be an ISA bus, a PCI bus, or an EISA bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 Only one bidirectional arrow is used in the diagram, but this does not mean that there is only one bus or only one type of bus.

[0098] The processor 101 may be an integrated circuit chip with signal processing capabilities. In the implementation process, each step of the above method can be completed by the hardware integrated logic circuit in the processor 101 or the instruction in the form of software. The above processor 101 can be a general-purpose processor, including a central processing unit (CPU), a network processor (NP), etc.; it can also be a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. The methods, steps and logic block diagrams disclosed in the embodiments of the present invention can be implemented or executed. The general-purpose processor can be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in conjunction with the embodiments of the present invention can be directly embodied as a hardware decoding processor for execution, or a combination of hardware and software modules in the decoding processor for execution. The software module may be located in a storage medium mature in the art, such as a random access memory, a flash memory, a read-only memory, a programmable read-only memory, or an electrically erasable programmable memory, a register, etc. The storage medium is located in the memory 100, and the processor 101 reads the information in the memory 100 and completes the steps of the method of the above embodiment in combination with its hardware.

[0099] An embodiment of the present invention further provides a machine-readable storage medium, which stores machine-executable instructions. When the machine-executable instructions are called and executed by a processor, the machine-executable instructions prompt the processor to implement the transaction supervision method on the above-mentioned blockchain. The specific implementation can be found in the method embodiment, which will not be repeated here.

[0100] The computer program product of the transaction supervision method, device and electronic device on the blockchain provided by the embodiments of the present invention includes a computer-readable storage medium storing program code. The instructions included in the program code can be used to execute the methods described in the previous method embodiments. The specific implementation can be found in the method embodiments, which will not be repeated here.

[0101] If the functions are implemented in the form of software functional units and sold or used as independent products, they can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, or the part of the technical solution, can be embodied in the form of a software product. The computer software product is stored in a storage medium, including several instructions to enable a computer device (which can be a personal computer, electronic device, or network device, etc.) to perform all or part of the steps of the methods described in various embodiments of the present invention. The aforementioned storage medium includes: U disk, mobile hard disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), disk or optical disk, etc., various media that can store program codes.

[0102] Finally, it should be noted that the above-described embodiments are only specific implementations of the present invention, which are used to illustrate the technical solutions of the present invention, rather than to limit them. The protection scope of the present invention is not limited thereto. Although the present invention is described in detail with reference to the above-described embodiments, ordinary technicians in the field should understand that any technician familiar with the technical field can still modify the technical solutions recorded in the above-described embodiments within the technical scope disclosed by the present invention, or can easily think of changes, or make equivalent replacements for some of the technical features therein; and these modifications, changes or replacements do not make the essence of the corresponding technical solutions deviate from the spirit and scope of the technical solutions of the embodiments of the present invention, and should be included in the protection scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.

Claims

1. A transaction supervision method on a blockchain, characterized in that: The method comprises: Obtain the target user’s user information from the target blockchain; According to the user information, it is determined whether the target user is a legitimate user; the legitimate user is a user with financial business transaction authority; If the target user is a legitimate user, the transaction information and asset information of the target user are obtained from a preset database, and the risk index of the target user is determined based on the transaction information; the risk index is used to indicate the degree of risk of the transaction information; If the risk index of the target user is greater than or equal to a preset index threshold, generating a suspicious transaction report corresponding to the target user based on the asset information; If the risk index of the target user is greater than or equal to a preset index threshold, the step of generating a suspicious transaction report corresponding to the target user based on the asset information includes: if the risk index of the target user is greater than or equal to the preset index threshold, sending a transaction review application for the transaction information to a designated management layer on the target blockchain; determining the asset source of the target user according to the asset information; determining whether to generate the suspicious transaction report according to the transaction review result and the asset source returned by the designated management layer; if the transaction review result is that the transaction is abnormal, and / or the asset source is illegal, generating the suspicious transaction report, and sending the suspicious transaction report to a designated location; The transaction information includes the names of the transaction parties, product data, service type, transaction geographic location and delivery channel; the step of determining the risk index of the target user based on the transaction information includes: performing risk assessment on the names of the transaction parties, the product data, the service type, the transaction geographic location and the delivery channel in the transaction information according to the risk index assessment rules on the target blockchain to determine the risk index of the target user.

2. The method according to claim 1, characterized in that The target blockchain is connected to the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol, and the consortium chain through a cross-chain gateway; The transaction information and asset information of the target user in the preset database are obtained through the target blockchain, the blockchain based on the Ripple protocol, the blockchain based on the Stellar protocol and the alliance chain.

3. The method according to claim 1, characterized in that: The legal users include: users who are not in the preset blacklist; The step of judging whether the target user is a legitimate user according to the user information includes: According to the preset information options in the target blockchain, determining whether the user information of the target user is complete; If it is incomplete, notifying the target user to supplement the user information; If complete, determine whether the user name in the user information appears in a preset blacklist.

4. The method according to claim 3, characterized in that After the step of notifying the target user to supplement the user information, the method further includes: If the supplementary and complete user information sent by the target user is received, determining whether the user name in the user information appears in a preset blacklist; If the target user's supplementary and complete user information is not received within the specified time, the target user's business on the target blockchain will be terminated, and a suspicious transaction report corresponding to the target user will be generated.

5. The method according to claim 1, characterized in that If the target user is an illegal user, freeze the target user's funds, terminate the target user's business on the target blockchain, and generate a suspicious transaction report corresponding to the target user; the illegal user is a user that appears in a preset blacklist.

6. The method according to claim 1, characterized in that The method further comprises: If the transaction review result is that the transaction is normal and the source of the assets is legal, monitor whether the target user updates the user information on the target blockchain; If the user information is updated, continue to execute the step of obtaining the user information of the target user from the target blockchain to supervise the transactions of the target user.

7. The method according to any one of claims 1 to 6, characterized in that: The method further comprises: The user information of the target user, the transaction information, the asset information, the risk index and the suspicious transaction report are saved.

8. A transaction supervision device on a blockchain, characterized in that: The device comprises: The information acquisition module is used to obtain the user information of the target user from the target blockchain; A legality judgment module, used to judge whether the target user is a legal user according to the user information; the legal user is a user with financial business transaction authority; A risk index determination module, for obtaining the transaction information and asset information of the target user from a preset database if the target user is a legitimate user, and determining the risk index of the target user based on the transaction information; the risk index is used to indicate the degree of risk of the transaction information; A transaction report generating module, configured to generate a suspicious transaction report corresponding to the target user based on the asset information if the risk index of the target user is greater than or equal to a preset index threshold; The transaction report generation module is used to send a transaction review application for the transaction information to a designated management layer on the target blockchain if the risk index of the target user is greater than or equal to a preset index threshold; determine the asset source of the target user according to the asset information; determine whether to generate the suspicious transaction report according to the transaction review result and the asset source returned by the designated management layer; if the transaction review result is that the transaction is abnormal and / or the asset source is illegal, generate the suspicious transaction report and send the suspicious transaction report to a designated location; The transaction information includes the names of the two transaction parties, product data, service type, transaction geographic location and delivery channel; the risk index determination module is used to perform risk assessment on the names of the two transaction parties, the product data, the service type, the transaction geographic location and the delivery channel in the transaction information according to the risk index assessment rules on the target blockchain, and determine the risk index of the target user.

9. An electronic device, characterized in that: The electronic device includes a processor and a memory, the memory stores machine-executable instructions that can be executed by the processor, and the processor executes the machine-executable instructions to implement the transaction supervision method on the blockchain as described in any one of claims 1 to 7.

10. A machine-readable storage medium, characterized in that: The machine-readable storage medium stores machine-executable instructions. When the machine-executable instructions are called and executed by the processor, the machine-executable instructions prompt the processor to implement the transaction supervision method on the blockchain as described in any one of claims 1 to 7.

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