Client multi-institution payment method and system based on blockchain

Abstract

The present invention discloses a blockchain-based multi-institution payment method and system for customers, relating to the field of blockchain. The method comprises: storing multiple account information of a customer on a blockchain, sending each account information to a corresponding payment institution; the corresponding payment institution confirming that payment can be made normally based on the account information, and returning a reply message to the blockchain; during payment, if the balances corresponding to multiple accounts are all less than the current transaction amount, initializing the optional accounts to multiple accounts, and executing the following steps: determining the probability of selection of multiple maximum accounts among the optional accounts based on the account partial order determined by the blockchain; selecting an account from the maximum accounts based on the selection probability; performing identity authentication based on the identity authentication method of the selected account; after the authentication is passed, determining the selected account as the first account, and paying the customer's current payment transaction when the sum of the account balances of all the first accounts is greater than or equal to the current transaction amount of the customer. The present invention can improve customer experience.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a blockchain-based customer multi-institution payment method and system. Background Art

[0002] This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. No statement herein is admitted to be prior art by virtue of its inclusion in this section.

[0003] When a customer uses multiple payment methods simultaneously, each method may require identity verification. Different payment methods require different authentication methods, and because of differences in parameter settings and implementation, even for the same authentication method, different payment methods may require different levels of accuracy. It would be very cumbersome to require identity verification for each payment method a customer chooses. For example, if five payment methods all require facial recognition and have similar accuracy, then only one facial recognition is likely sufficient. Clearly, performing facial recognition five times would result in a very poor customer experience. Furthermore, no payment method is 100% secure; in other words, all payment methods have vulnerabilities and can only guarantee a certain degree of authentication accuracy and authenticity. Summary of the Invention

[0004] An embodiment of the present invention provides a blockchain-based multi-institution payment method for customers, which is used to solve the technical problem of poor customer experience caused by different authentication methods for different payment methods. The method includes:

[0005] The blockchain stores multiple account information uploaded by customers, each corresponding to different payment methods, and sends each account information to the corresponding payment institution;

[0006] The corresponding payment institution determines that the payment can be made normally based on the account information, and returns a reply message to the blockchain, which includes the identity authentication method corresponding to the account and the risk factor corresponding to the identity authentication method;

[0007] The blockchain determines a partial order of the customer's accounts, where the partial order is used to determine whether account A is superior to account B among any two accounts of the customer stored on the blockchain;

[0008] When a customer makes a payment, if the balances of multiple accounts stored on the blockchain are all less than the customer's payment amount, the optional accounts are initialized to the customer's multiple accounts stored on the blockchain, and then the following steps are performed until the sum of the account balances of all the first accounts is greater than or equal to the customer's transaction amount:

[0009] Determining, based on the partial order of the customer's accounts, multiple maximal accounts from the selectable accounts, wherein the multiple maximal accounts are maximal elements of the selectable accounts corresponding to the partial order; determining a probability of selection for each of the multiple maximal accounts; selecting an account from the multiple maximal accounts based on the selection probability; performing identity authentication on the customer based on the identity authentication method corresponding to the selected account; after the identity authentication passes, determining the selected account as the first account and deleting the first account from the selectable accounts;

[0010] When the total account balance of all first accounts is greater than or equal to the current transaction amount of the customer, the current payment transaction of the customer is paid based on all first accounts.

[0011] An embodiment of the present invention also provides a blockchain-based customer multi-institution payment system to solve the technical problem of poor customer experience caused by different authentication methods for different payment methods. The system includes: a blockchain and multiple payment institutions, which are used to implement a blockchain-based customer multi-institution payment method.

[0012] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned blockchain-based customer multi-institution payment method is implemented.

[0013] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned blockchain-based customer multi-institution payment method.

[0014] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based customer multi-institution payment method.

[0015] In the embodiment of the present invention, compared with the technical solution of performing different authentications for different payment methods in the prior art, multiple account information uploaded by the customer is stored through the blockchain, and the multiple account information corresponds to multiple different payment methods, and each account information is sent to the corresponding payment institution; the corresponding payment institution determines that the payment can be made normally based on the account information, and then returns a reply message to the blockchain, wherein the reply message includes the identity authentication method corresponding to the account and the risk coefficient corresponding to the identity authentication method; the blockchain determines the partial order of the customer's accounts, wherein the partial order is used to determine whether account A is better than account B in any two accounts of the customer stored in the blockchain; when the customer makes a payment, if the balances corresponding to the multiple accounts of the customer stored in the blockchain are all less than the current transaction amount of the customer, the optional account is initialized to the account of the customer stored in the blockchain. multiple accounts, and then perform the following steps until the sum of the account balances of all first accounts is greater than or equal to the current transaction amount of the customer: based on the partial order of the customer's accounts, determine multiple maximum accounts in the optional accounts, wherein the multiple maximum accounts are the maximum elements of the partial order corresponding to the optional accounts; determine the selection probability of each maximum account in the multiple maximum accounts; select an account from the multiple maximum accounts based on the selection probability; authenticate the customer based on the identity authentication method corresponding to the selected account; after the identity authentication is passed, determine the selected account as the first account, and delete the first account from the optional accounts; when the sum of the account balances of all first accounts is greater than or equal to the current transaction amount of the customer, pay the customer's payment transaction based on all first accounts, which can improve the customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0016] In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for the embodiments or the description of the prior art. Obviously, the drawings described below are only some embodiments of the present invention. For those skilled in the art, other drawings can be obtained based on these drawings without creative work. In the drawings:

[0017] Figure 1 This is the process of the multi-institution payment method based on blockchain in the embodiment of the present invention. Figure 1 ;

[0018] Figure 2 This is the process of the multi-institution payment method based on blockchain in the embodiment of the present invention. Figure 2 ;

[0019] Figure 3 This is the process of the multi-institution payment method based on blockchain in the embodiment of the present invention. Figure 3 ;

[0020] Figure 4This is the process of the multi-institution payment method based on blockchain in the embodiment of the present invention. Figure 4 ;

[0021] Figure 5 This is the process of the multi-institution payment method based on blockchain in the embodiment of the present invention. Figure 5 . DETAILED DESCRIPTION

[0022] To make the purpose, technical solutions and advantages of the embodiments of the present invention more clear, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. Here, the exemplary embodiments of the present invention and their descriptions are used to explain the present invention, but are not intended to limit the present invention.

[0023] The acquisition, storage, use, and processing of data in this application's technical solution comply with relevant national laws and regulations.

[0024] The present invention proposes a blockchain-based customer multi-institution payment system, which includes a blockchain and multiple payment institutions, wherein the blockchain is composed of multiple bank systems.

[0025] The blockchain-based multi-institution payment system can realize the blockchain-based multi-institution payment method for customers. The specific implementation process is as follows: Figures 1 to 5 shown.

[0026] First embodiment

[0027] In the embodiment of the present invention, Figure 1 As shown, the blockchain-based customer multi-institution payment method may include:

[0028] Step 101: The blockchain stores multiple account information uploaded by the customer, each corresponding to a plurality of different payment methods, and sends each account information to the corresponding payment institution;

[0029] Step 102: The corresponding payment institution determines that the payment can be made normally based on the account information, and returns a reply message to the blockchain. The reply message includes the identity authentication method corresponding to the account and the risk factor corresponding to the identity authentication method;

[0030] Step 103: The blockchain determines a partial order of the customer's accounts, where the partial order is used to determine whether account A is superior to account B among any two accounts of the customer stored in the blockchain.

[0031] Step 104: When the customer makes a payment, if the balances corresponding to the customer's multiple accounts stored in the blockchain are all less than the customer's current transaction amount, the optional accounts are initialized to the customer's multiple accounts stored in the blockchain, and then the following steps are performed until the sum of the account balances of all the first accounts is greater than or equal to the customer's current transaction amount:

[0032] Step 105: Based on the partial order of the customer's accounts, determine multiple maximal accounts from the selectable accounts, where the multiple maximal accounts are maximal elements of the selectable accounts corresponding to the partial order; determine the probability of selection of each maximal account from the multiple maximal accounts; select an account from the multiple maximal accounts based on the selection probability; perform identity authentication on the customer based on the identity authentication method corresponding to the selected account; after the identity authentication passes, determine the selected account as the first account and delete the first account from the selectable accounts;

[0033] Step 106: When the total account balance of all first accounts is greater than or equal to the current transaction amount of the customer, the current payment transaction of the customer is paid based on all first accounts.

[0034] In the embodiment of the present invention, Figure 2 As shown, step 103 determines the partial order of the customer's accounts, including:

[0035] Step 201: Select multiple dimensions;

[0036] Step 202: Determine the risk factor for each dimension of each account stored by the customer in the blockchain;

[0037] Step 203: For any two accounts of the customer stored in the blockchain, if, for each dimension, the risk coefficient of account A of the two accounts corresponding to the dimension is less than or equal to the risk coefficient of account B of the two accounts corresponding to the dimension, and the risk coefficient of account A corresponding to each dimension is less than a set threshold, then account A is determined to be superior to account B.

[0038] In practice, dimensions are used to categorize transaction data, such as transaction scenario, business category, transaction time, and transaction channel. Because customer transactions may pose security risks for both transactions and funds, it's necessary to determine the risk probability of transactions. This can be determined using different dimensions. Risk varies across different dimensions, and by calculating risk probabilities across these dimensions, we can determine the security of each customer relationship category.

[0039] In an embodiment of the present invention, determining the risk factor of each dimension corresponding to each account stored by the customer in the blockchain includes:

[0040] 1. Obtain payment data for each dimension corresponding to the customer category of the customer stored by the payment institution corresponding to the account;

[0041] 2. For each dimension, divide the payment data corresponding to the dimension to which the customer belongs into multiple payment data subsets, and use these multiple payment data subsets as the payment data subsets corresponding to the dimension, wherein the number of payment transactions in each payment data subset is greater than a specified value;

[0042] 3. For each dimension, the proportion of risky payment transactions in each payment data subset corresponding to that dimension is used as the risk coefficient sample for that dimension for that account;

[0043] 4. For each dimension, determine the sample variance corresponding to that dimension based on the risk coefficient samples of the account corresponding to that dimension, and calculate the number of risk coefficient samples corresponding to that dimension for the account, and use this number as the number of samples corresponding to that dimension;

[0044] 5. For each dimension, calculate the quotient of the square of the sample variance corresponding to the dimension and the number of samples corresponding to the dimension, and determine whether the quotient is less than the error threshold. If the quotient is greater than the error threshold, loop through the following steps until the quotient is less than the error threshold:

[0045] Obtain new payment data for each dimension corresponding to the customer category of the customer stored by the payment institution corresponding to the account, and perform steps 2, 3, and 4 based on the new payment data;

[0046] 6. Determine the risk factor of each dimension corresponding to the account as the mean of the risk factor sample of the account corresponding to the dimension.

[0047] Among them, according to the law of large numbers, the error threshold is determined as: ε 2 ×P, ε is the coefficient error threshold, and P is the acceptable probability of a coefficient error greater than ε.

[0048] In an embodiment of the present invention, a plurality of maximum accounts among the selectable accounts are determined based on the partial order of the customer's accounts, including:

[0049] 1. Initialize the partial order maximum value corresponding to each optional account to be determined, and initialize the partial order comparison value corresponding to each optional account to be true;

[0050] 2. For each available account, perform the following steps:

[0051] 2.1 If the maximum value of the partial order corresponding to the optional account is not undetermined, continue to perform step 2 for the next optional account;

[0052] 2.2 If the maximum partial order value corresponding to the optional account is undetermined, multiple optional accounts (excluding the optional account) whose corresponding partial order comparison values ​​are yes are selected, and then each selected optional account is compared with the optional account in turn based on the partial order of the customer's account:

[0053] If the selected optional account is better than the optional account, the partial order maximum value corresponding to the optional account is updated to no, and then the above step 2 is continued for the next optional account; if the optional account is better than the selected optional account, the partial order maximum value corresponding to the selected optional account is updated to no, and the selected optional account is determined as the second optional account of the optional account;

[0054] 2.3 If it is confirmed that all selected optional accounts are not close to the optional account, the optional account is determined as the maximum optional account among the optional accounts, and the partial order comparison values ​​of all secondary optional accounts of the maximum optional account are updated to no.

[0055] In the embodiment of the present invention, Figure 3 As shown, step 202 determines the risk factor of each dimension corresponding to each account stored by the customer in the blockchain, including:

[0056] Step 301: Determine the customer category to which the customer belongs;

[0057] Step 302: Obtain transaction data of various dimensions corresponding to the payment institution corresponding to the customer category to which the customer belongs;

[0058] Step 303: For each dimension, the proportion of risk data of the customer category to which the customer belongs in the transaction data corresponding to the dimension of the payment institution corresponding to the account is determined as the risk coefficient of the account corresponding to the dimension.

[0059] In the embodiment of the present invention, Figure 4 As shown, step 105 determines the probability of selection of each of the multiple extremely large accounts, including:

[0060] Step 401: Determine the risk value of each extremely large account based on the risk coefficient of each dimension corresponding to each extremely large account;

[0061] Step 402: Based on the risk value of each extremely large account, determine the probability of each extremely large account being selected.

[0062] In an embodiment of the present invention, the risk value of each extremely large account is determined based on the risk coefficient of each dimension corresponding to each extremely large account, including:

[0063] For each extremely large account, the risk value of the extremely large account is determined as the square root of the sum of the squares of the risk coefficients of each dimension corresponding to the extremely large account;

[0064] Based on the risk value of each extremely large account, the probability of each extremely large account being selected is determined, including:

[0065] The probability of the i-th maximum account being selected is determined as Among them, rj is the value at risk of the jth largest account.

[0066] In the embodiment of the present invention, Figure 5 As shown, step 105 selects an account from the plurality of extremely large accounts based on the probability of being selected, including:

[0067] Step 501: sorting the multiple extremely large accounts;

[0068] Step 502: For each extremely large account, the sum of the selection probabilities corresponding to the extremely large account and all the extremely large accounts preceding the extremely large account in the ranking is determined as the probability upper bound corresponding to the extremely large account;

[0069] Step 503: Select a probability density function;

[0070] Step 504: Determine the right endpoint of the interval corresponding to each maximum account based on the probability density function, so that the integral of the probability density function from the minimum value of the domain of the probability density function to the right endpoint of the interval corresponding to the maximum account is equal to the probability upper bound value corresponding to the maximum account;

[0071] Step 505: Generate a random number based on the probability density function;

[0072] Step 506: Select the smallest interval right endpoint that is greater than the random number from all interval right endpoints;

[0073] Step 507: Select the maximum account corresponding to the right endpoint of the minimum interval from the multiple maximum accounts.

[0074] In an embodiment of the present invention, step 105 performs identity authentication on the customer based on the identity authentication method corresponding to the selected account, including:

[0075] The customer is authenticated based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account.

[0076] In an embodiment of the present invention, performing identity authentication on the customer based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account includes:

[0077] When there is an identity authentication method corresponding to a first account that is the same as the identity authentication method corresponding to the selected account, and the risk coefficient corresponding to the identity authentication method corresponding to the first account is smaller than the risk coefficient corresponding to the identity authentication method corresponding to the selected account, identity authentication will not be performed on the selected account of the customer.

[0078] In an embodiment of the present invention, performing identity authentication on the customer based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account includes:

[0079] Determine a current identity authentication risk factor based on all identity authentication methods corresponding to the first account and the corresponding risk factors;

[0080] If the risk factor corresponding to the identity authentication method corresponding to the selected account is greater than the current identity authentication risk factor, identity authentication will not be performed on the selected account of the customer.

[0081] In an embodiment of the present invention, determining a current identity authentication risk coefficient based on the identity authentication methods and corresponding risk coefficients corresponding to all first accounts includes:

[0082] For each identity authentication method corresponding to the first account, multiple first accounts corresponding to the identity authentication method are used as the first account corresponding to the identity authentication method;

[0083] For each identity authentication method corresponding to the first account, the maximum value of the risk coefficients corresponding to the identity authentication method corresponding to each first account corresponding to the identity authentication method is determined as the risk coefficient of the identity authentication method corresponding to this payment;

[0084] Determine the current identity authentication risk factor as Among them, r i It is the risk factor of the payment corresponding to the i-th identity authentication method of the first account.

[0085] In an embodiment of the present invention, the method further includes:

[0086] If the corresponding payment institution confirms that the account information cannot be paid normally, it will return the abnormal payment information to the blockchain.

[0087] Second embodiment

[0088] In an embodiment of the present invention, the method may also include the following steps:

[0089] When the user selects the first payment method to make a payment, the payment institution corresponding to the first payment method obtains the identity verification method corresponding to the first payment method stored in the blockchain for identity authentication. After successful authentication, the identity authentication result is uploaded to the blockchain; it is determined whether the account balance corresponding to the first payment method meets the current payment amount. If it is determined that the account balance corresponding to the first payment method meets the current payment amount, the payment is completed; if it is determined that the account balance corresponding to the first payment method does not meet the current payment amount, the payment transaction information is uploaded to the blockchain;

[0090] Based on the identity authentication result, the blockchain stores the identity verification method and the corresponding accuracy requirements corresponding to the first payment method into the verified identity verification method set;

[0091] The user continues to select the second payment method to make payment. The payment institution corresponding to the second payment method obtains the identity verification method corresponding to the second payment method stored in the blockchain for identity authentication, and determines whether the identity verification method corresponding to the second payment method satisfies: the identity verification method corresponding to the second payment method is included in the set of verified identity verification methods, and the accuracy requirement corresponding to the second payment method stored in the blockchain is lower than the optimal accuracy of the identity verification method; if both are satisfied, the second payment method will not be authenticated; if not, the second payment method will be authenticated; determine whether the account balance corresponding to the second payment method meets the current payment amount. If it is determined that the account balance corresponding to the first payment method meets the current payment amount, the payment is completed; if it is determined that the account balance corresponding to the second payment method does not meet the current payment amount, the payment transaction information is uploaded to the blockchain;

[0092] Repeat the payment method selection, identity verification method, and balance determination until the payment is completed.

[0093] In an embodiment of the present invention, if the conditions are not met, after identity verification of the second payment method, the following steps are further performed:

[0094] The identity authentication method and the corresponding precision in the authenticated identity authentication method set are updated according to the identity authentication result of the second payment method.

[0095] In an embodiment of the present invention, updating the identity authentication method and the corresponding precision in the authenticated identity authentication method set according to the identity authentication result of the second payment method includes:

[0096] If the authenticated identity authentication method set includes the identity authentication method of the second payment method, the accuracy requirement in the authenticated identity authentication method set is replaced with the accuracy requirement corresponding to the second payment method;

[0097] If the authenticated identity authentication method set does not include the identity authentication method of the second payment method, the identity authentication method of the second payment method is added to the authenticated identity authentication method set, and the accuracy requirement in the authenticated identity authentication method set is replaced with the accuracy requirement corresponding to the second payment method.

[0098] In an embodiment of the present invention, the method further includes:

[0099] Based on the set of authenticated identity authentication methods and the accuracy corresponding to the authenticated identity authentication methods, the credibility of the customer's identity authentication method is determined. Based on the relationship between the credibility and the accuracy requirement of the currently selected payment method stored in the blockchain, it is determined whether to perform the identity authentication method corresponding to the currently selected payment method on the customer.

[0100] In an embodiment of the present invention, determining whether to perform an identity authentication method corresponding to the currently selected payment method on the customer based on the relationship between the credibility and the accuracy requirement of the currently selected payment method stored in the blockchain includes:

[0101] If the credibility is greater than the accuracy requirement of the currently selected payment method stored in the blockchain, the customer will not be authenticated for the payment method.

[0102] In the embodiment of the present invention, the credibility is determined as follows:

[0103] f=1-(1-f1)…(1-f n );

[0104] Where f represents the credibility; n is the number of elements in the set of authenticated identity authentication methods; f1…f n is the best accuracy corresponding to each element.

[0105] In this embodiment of the present invention, transaction information for different payment methods can be stored in a stack (a data structure) on the blockchain. To determine whether the payment balance satisfies the current payment transaction, the sum of the transaction amounts in the stack is calculated to determine whether it satisfies the current payment transaction. Subsequent accounting processing by various payment institutions is also performed in order from the top of the stack to the bottom. This accounting processing order is the opposite of the payment method selection process. This approach facilitates payment transaction data processing and ensures the accuracy of accounting processing.

[0106] Specifically, the specific process for the second embodiment is as follows:

[0107] The blockchain stores information about multiple payment methods set by customers, including the identity verification method corresponding to the payment method and the accuracy requirements of the identity verification method. When a customer makes a payment, a set is maintained, each element of which is an approved identity verification method (such as face, fingerprint, iris), and each element corresponds to an optimal accuracy. When a customer selects a payment method to make a payment, the relationship between the identity verification method corresponding to the payment method and the set of approved identity verification methods determines whether to perform the identity verification corresponding to the payment method.

[0108] 1. The blockchain stores multiple account numbers uploaded by customers, each corresponding to a variety of payment methods (e.g., WeChat, Alipay, a bank, or other payment methods). The blockchain sends each account number to the corresponding payment institution. Upon receiving a confirmation reply from the payment institution, the customer's account number is considered valid for payment. The reply includes the identity verification method (face, fingerprint, iris, etc.) for that payment method, as well as the accuracy requirements for that verification method. The reply is then stored on the blockchain.

[0109] 2. When a customer pays with Payment Method 1 (e.g., a bank) through a different method (e.g., an app), the customer's identity verification is performed using the Payment Method 1 authentication method (e.g., facial recognition) stored on the blockchain. This is performed by the payment system corresponding to Payment Method 1, and the result is uploaded to the blockchain. If, after successful authentication, the balance of the account corresponding to Payment Method 1 is found to be insufficient to cover the current payment amount, the payment transaction information is uploaded to the blockchain. The singleton set corresponding to Payment Method 1's authentication method is set to the customer's verified identity verification method set. The optimal accuracy of this authentication method is the accuracy requirement of the identity verification method stored on the blockchain for Payment Method 1.

[0110] 3. The customer continues to choose other payment methods, such as payment method 2 (such as WeChat), and reads the authentication method of payment method 2 stored in the blockchain to confirm whether its authentication method meets the following two conditions: the authentication method m of payment method 2 is included in the customer's verified identity verification method set, and the accuracy requirement corresponding to m stored in the blockchain is lower than the optimal accuracy of the authentication method.

[0111] 4. If both of the above conditions are met, the identity verification corresponding to payment method 2 will not be initiated for the customer.

[0112] 5. If the requirements are not met, the customer will be subject to identity verification for Payment Method 2. When the payment system of Payment Method 2 completes the identity verification of the customer, Payment Method 2 will only support the customer's payment transaction if the identity verification is passed, and the identity verification result will be uploaded to the blockchain.

[0113] 6. Based on the successful review result uploaded by payment method 2, update the current customer's verified identity review method set and the optimal accuracy corresponding to the verified identity review method. Specifically:

[0114] 6.1. If the authentication method for Payment Method 2 is included in the customer's already verified identity verification method, the optimal accuracy for updating that authentication method will be the accuracy requirement corresponding to the authentication method for Payment Method 2 stored in the blockchain;

[0115] 6.2. If the current authentication method for Payment Method 2 is not included in the customer's set of verified identity verification methods, the current authentication method is added to the customer's set of verified identity verification methods, and the optimal accuracy of the current authentication method is set to the accuracy requirement corresponding to the current authentication method of Payment Method 2 stored in the blockchain.

[0116] 7. If the account balance of payment method 2 still does not meet the customer's payment transaction, the paying customer continues to use other payment methods, such as payment method 3, and the specific details are the same as steps 3 to 6 above.

[0117] 8. The credibility of a customer's identity verification method can also be determined based on the customer's verified identity verification method set and the optimal accuracy of each verified identity verification method. Then, based on the relationship between this credibility and the accuracy requirement of the currently selected payment method stored on the blockchain, a decision is made as to whether to perform the identity verification method corresponding to the currently selected payment method.

[0118] 8.1. If the credibility is greater than the accuracy requirement of the corresponding identity verification method stored in the blockchain for the currently selected payment method, the customer's identity verification for that payment method will not be performed.

[0119] 8.2. The credibility of the client's identity verification method can be calculated using the following formula: f = 1-(1-f1)**(1-fn), where f is the credibility, n is the number of elements in the verified identity verification method set, and f1...fn is the optimal precision corresponding to each element.

[0120] 9. Transaction information for different payment methods can be stored in a stack (a data structure) on the blockchain. To determine whether the payment balance meets the current payment requirement, the sum of the transaction amounts in the stack is calculated to see if it meets the current payment requirement. Subsequent accounting by various payment institutions is processed sequentially from the top of the stack to the bottom. This order of accounting is the opposite of the payment method selection process. This approach facilitates payment transaction data processing and ensures accuracy.

[0121] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored in the memory and executable on the processor. When the processor executes the computer program, the above-mentioned blockchain-based customer multi-institution payment method is implemented.

[0122] An embodiment of the present invention also provides a computer-readable storage medium, which stores a computer program. When the computer program is executed by a processor, it implements the above-mentioned blockchain-based customer multi-institution payment method.

[0123] An embodiment of the present invention also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the above-mentioned blockchain-based customer multi-institution payment method.

[0124] In the embodiment of the present invention, compared with the technical solution of performing different authentications for different payment methods in the prior art, multiple account information uploaded by the customer is stored through the blockchain, and the multiple account information corresponds to multiple different payment methods, and each account information is sent to the corresponding payment institution; the corresponding payment institution determines that the payment can be made normally based on the account information, and then returns a reply message to the blockchain, wherein the reply message includes the identity authentication method corresponding to the account and the risk coefficient corresponding to the identity authentication method; the blockchain determines the partial order of the customer's accounts, wherein the partial order is used to determine whether account A is better than account B in any two accounts of the customer stored in the blockchain; when the customer makes a payment, if the balances corresponding to the multiple accounts of the customer stored in the blockchain are all less than the current transaction amount of the customer, the optional account is initialized to the account of the customer stored in the blockchain. multiple accounts, and then perform the following steps until the sum of the account balances of all first accounts is greater than or equal to the current transaction amount of the customer: based on the partial order of the customer's accounts, determine multiple maximum accounts in the optional accounts, wherein the multiple maximum accounts are the maximum elements of the partial order corresponding to the optional accounts; determine the selection probability of each maximum account in the multiple maximum accounts; select an account from the multiple maximum accounts based on the selection probability; authenticate the customer based on the identity authentication method corresponding to the selected account; after the identity authentication is passed, determine the selected account as the first account, and delete the first account from the optional accounts; when the sum of the account balances of all first accounts is greater than or equal to the current transaction amount of the customer, pay the customer's payment transaction based on all first accounts, which can improve the customer experience.

[0125] It will be understood by those skilled in the art that embodiments of the present invention may be provided as methods, systems, or computer program products. Thus, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware. Furthermore, the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0126] The present invention is described with reference to flowcharts and / or block diagrams of methods, devices (systems), and computer program products according to embodiments of the present invention. It should be understood that each process and / or block in the flowcharts and / or block diagrams, as well as combinations of processes and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing device generate instructions for implementing the processes in the flowcharts and / or block diagrams. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0127] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing device to work in a specific manner, so that the instructions stored in the computer readable memory produce an article of manufacture comprising an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0128] These computer program instructions can also be loaded onto a computer or other programmable data processing device so that a series of operational steps are executed on the computer or other programmable device to produce a computer-implemented process, thereby providing the instructions executed on the computer or other programmable device for implementing the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0129] The specific embodiments described above further illustrate the objectives, technical solutions and beneficial effects of the present invention in detail. It should be understood that the above description is only a specific embodiment of the present invention and is not intended to limit the scope of protection of the present invention. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of the present invention should be included in the scope of protection of the present invention.

Claims

1. A blockchain-based multi-institution payment method for customers, characterized by: include: The blockchain stores multiple account information uploaded by customers, each corresponding to different payment methods, and sends each account information to the corresponding payment institution; The corresponding payment institution determines that the payment can be made normally based on the account information, and returns a reply message to the blockchain, which includes the identity authentication method corresponding to the account and the risk factor corresponding to the identity authentication method; The blockchain determines a partial order of the customer's accounts, where the partial order is used to determine whether account A is superior to account B among any two accounts of the customer stored on the blockchain; When a customer makes a payment, if the balances of multiple accounts stored on the blockchain are all less than the current transaction amount, the optional accounts are initialized to the multiple accounts stored on the blockchain. The following steps are then performed until the total balance of all first accounts is greater than or equal to the current transaction amount: Determining, based on the partial order of the customer's accounts, multiple maximal accounts from the selectable accounts, wherein the multiple maximal accounts are maximal elements of the selectable accounts corresponding to the partial order; determining a probability of selection for each of the multiple maximal accounts; selecting an account from the multiple maximal accounts based on the selection probability; performing identity authentication on the customer based on the identity authentication method corresponding to the selected account; after the identity authentication passes, determining the selected account as the first account and deleting the first account from the selectable accounts; When the total balance of all first accounts is greater than or equal to the current transaction amount of the customer, the current payment transaction of the customer will be paid based on all first accounts; Based on the identity authentication method corresponding to the selected account, the customer's identity is authenticated, including: The customer is authenticated based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account.

2. The method according to claim 1, wherein Determine the partial order of the customer's accounts, including: Select multiple dimensions; Determine the risk factor of each dimension for each account stored by the customer on the blockchain; For any two accounts of the customer stored in the blockchain, if for each dimension, the risk coefficient of account A of the two accounts corresponding to that dimension is less than or equal to the risk coefficient of account B of the two accounts corresponding to that dimension, and the risk coefficient of account A corresponding to each dimension is less than the set threshold, then account A is determined to be superior to account B.

3. The method according to claim 2, wherein Determine the risk factor of each dimension for each account stored by the customer on the blockchain, including: Determine the customer category to which the customer belongs; Obtain transaction data of various dimensions corresponding to the customer category of the customer and the payment institution corresponding to the account; For each dimension, the proportion of risk data of the customer category to which the customer belongs in the transaction data corresponding to the dimension of the payment institution corresponding to the account is determined as the risk coefficient of the account corresponding to the dimension.

4. The method according to claim 2, wherein Determining the probability of each of the multiple extremely large accounts being selected includes: Determine the risk value of each extremely large account based on the risk coefficient of each dimension corresponding to each extremely large account; Based on the risk value of each extremely large account, the probability of each extremely large account being selected is determined.

5. The method according to claim 1, wherein Based on the probability of being selected, accounts are selected from the multiple extremely large accounts, including: Sort the multiple extremely large accounts; For each extremely large account, the sum of the probabilities of selection corresponding to the extremely large account and all the extremely large accounts before the extremely large account in the ranking is determined as the probability upper bound corresponding to the extremely large account; Choose a probability density function; Based on the probability density function, determine the right endpoint of the interval corresponding to each maximum account, so that the integral of the probability density function from the minimum value of the domain of the probability density function to the right endpoint of the interval corresponding to the maximum account is equal to the probability upper bound value corresponding to the maximum account; Based on the probability density function, generating a random number; Select the smallest interval right endpoint that is greater than the random number from all interval right endpoints; The maximum account corresponding to the right endpoint of the minimum interval is selected from the multiple maximum accounts.

6. The method according to claim 1, wherein Performing identity authentication on the customer based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account includes: When there is an identity authentication method corresponding to a first account that is the same as the identity authentication method corresponding to the selected account, and the risk coefficient corresponding to the identity authentication method corresponding to the first account is smaller than the risk coefficient corresponding to the identity authentication method corresponding to the selected account, identity authentication will not be performed on the selected account of the customer.

7. The method according to claim 1, wherein Performing identity authentication on the customer based on the identity authentication result corresponding to the first account and the identity authentication method corresponding to the selected account includes: Determine a current identity authentication risk factor based on all identity authentication methods corresponding to the first account and the corresponding risk factors; If the risk factor corresponding to the identity authentication method corresponding to the selected account is greater than the current identity authentication risk factor, identity authentication will not be performed on the selected account of the customer.

8. A blockchain-based multi-institution payment system for customers, characterized by: include: A blockchain and multiple payment institutions, used to implement the method described in any one of claims 1 to 7.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein: When the processor executes the computer program, the method according to any one of claims 1 to 7 is implemented.

10. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

11. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the method according to any one of claims 1 to 7 is implemented.

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