Blockchain-based multi-account transaction processing method and device

Abstract

The present invention discloses a multi-account transaction processing method and device based on a blockchain, which relates to the technical field of blockchains. The method includes: after the identity verification method corresponding to the account opened by the user at the current trading institution is passed, logging in to the account to initiate a transaction request; when the account balance corresponding to the account opened by the user at the current trading institution is insufficient, determining a plurality of trading institutions corresponding to the current trading institution according to the partial order of the trading institutions; the partial order of the trading institutions is determined based on the risk probability, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario; determining the risk distance of each trading institution corresponding to the current trading institution according to the risk probability; determining the trading institutions to be recommended according to the risk distance; recommending the account of the customer at the trading institution to be recommended to the customer; when the customer selects the recommended account for trading, no identity verification is required again. The present invention can perform multi-account transactions safely and efficiently.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular, to a multi-account transaction processing method and device based on blockchain. Background Art

[0002] This section aims to provide background or context for the embodiments of the present invention described in the claims. The description herein is not admitted to be prior art merely because it is included in this section.

[0003] Currently, in actual transactions, it often happens that the balance in each card of a customer does not support a single transaction (for example, the balance in each card is less than the transaction amount). In this case, the customer may need to transfer money between multiple cards, which is cumbersome, resulting in a poor customer experience and also posing a security risk to the customer's account. Summary of the Invention

[0004] Embodiments of the present invention provide a multi-account transaction processing method based on blockchain for securely and efficiently conducting multi-account transactions. The method includes:

[0005] After the identity verification method corresponding to the account opened by the user at the current trading institution is passed, the user logs in to the account opened at the current trading institution and initiates a transaction request;

[0006] When the account balance corresponding to the account opened by the user at the current trading institution is insufficient, according to the partial order of the trading institutions, multiple trading institutions corresponding to the current trading institution are determined; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the current transaction amount; the partial order of the trading institutions is determined in advance based on the risk probability, and for any two trading institutions on the blockchain, this partial order is used to determine whether the first trading institution is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance;

[0007] According to the risk probability, the risk distance of each trading institution corresponding to the current trading institution is determined;

[0008] According to the risk distance, the trading institution to be recommended is determined;

[0009] The account of the user at the trading institution to be recommended is recommended to the user;

[0010] When the user selects the account corresponding to the trading institution to be recommended for trading, no further identity verification is required.

[0011] Embodiments of the present invention further provide a multi-account transaction processing device based on blockchain for securely and efficiently conducting multi-account transactions. The device includes:

[0012] The initiating unit is used to initiate a transaction request by logging in to the account opened by the user at the current trading institution after the identity verification method corresponding to the account opened by the user at the current trading institution is passed;

[0013] The institution determination unit is used to determine multiple trading institutions corresponding to the current trading institution according to the partial order of the trading institutions when the account balance corresponding to the account opened by the user at the current trading institution is insufficient; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction; the partial order of the trading institutions is determined in advance according to the risk probability, wherein, for any two trading institutions of the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance;

[0014] The risk distance determination unit is used to determine the risk distance of each trading institution corresponding to the current trading institution according to the risk probability;

[0015] The to-be-recommended institution determination unit is used to determine the trading institution to be recommended according to the risk distance;

[0016] The pushing unit is used to recommend the account of the user at the to-be-recommended trading institution to the user;

[0017] The control unit is used to not perform identity verification anymore when the user selects the account corresponding to the to-be-recommended trading institution for trading.

[0018] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above multi-account transaction processing method based on the blockchain is implemented.

[0019] An embodiment of the present invention also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the above multi-account transaction processing method based on the blockchain is implemented.

[0020] An embodiment of the present invention also provides a computer program product. The computer program product includes a computer program. When the computer program is executed by a processor, the above multi-account transaction processing method based on the blockchain is implemented.

[0021] In an embodiment of the present invention, for a multi-account transaction processing solution based on a blockchain, the following steps are involved: After the identity verification method corresponding to the account opened by the user at the current trading institution is passed, the user logs in to the account opened at the current trading institution and initiates a transaction request. When the account balance corresponding to the account opened by the user at the current trading institution is insufficient, according to the partial order of the trading institutions, multiple trading institutions corresponding to the current trading institution are determined. Among them, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction. The partial order of the trading institutions is determined in advance based on the risk probability. Among them, for any two trading institutions on the blockchain, this partial order is used to determine whether the first trading institution is greater than the second trading institution. The risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance. According to the risk probability, the risk distance of each trading institution corresponding to the current trading institution is determined. According to the risk distance, the trading institution to be recommended is determined. The account of the customer at the trading institution to be recommended is recommended to the customer. When the customer selects the account corresponding to the trading institution to be recommended for trading, identity verification is no longer required, and safe and efficient multi-account trading can be achieved. BRIEF DESCRIPTION OF THE DRAWINGS

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

[0023] Figure 1 It is a schematic flowchart of a multi-account transaction processing method based on a blockchain in an embodiment of the present invention;

[0024] Figure 2 It is a schematic flowchart of pre-determining the risk probability in an embodiment of the present invention;

[0025] Figure 3 It is a schematic flowchart of determining the risk distance in an embodiment of the present invention;

[0026] Figure 4 It is a schematic flowchart of determining the trading institution to be recommended in an embodiment of the present invention;

[0027] Figure 5 It is a schematic structural diagram of a multi-account transaction processing device based on a blockchain in an embodiment of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0028] To make the objectives, technical solutions, and advantages of the embodiments of the present invention clearer and more understandable, the following further describes the embodiments of the present invention in detail with reference to the accompanying drawings. Herein, the illustrative embodiments of the present invention and their descriptions are used to explain the present invention, but not to limit the present invention.

[0029] Figure 1 FIG. is a schematic flowchart of a multi-account transaction processing method based on blockchain in an embodiment of the present invention. As Figure 1 shown, the method includes the following steps:

[0030] Step 101: After the identity verification method corresponding to the account opened by the user at the current trading institution is passed, log in to the account opened at the current trading institution and initiate a transaction request;

[0031] Step 102: When the account balance corresponding to the account opened by the user at the current trading institution is insufficient, determine multiple trading institutions corresponding to the current trading institution according to the partial order of the trading institutions; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction; the partial order of the trading institutions is determined in advance according to the risk probability. Among them, for any two trading institutions on the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance;

[0032] Step 103: Determine the risk distance of each trading institution corresponding to the current trading institution according to the risk probability;

[0033] Step 104: Determine the trading institution to be recommended according to the risk distance;

[0034] Step 105: Recommend the account of the customer (user) at the trading institution to be recommended to the customer;

[0035] Step 106: When the customer selects the account corresponding to the trading institution to be recommended for trading, no identity verification is required.

[0036] The multi-account transaction processing method based on blockchain provided by the embodiment of the present invention, when working: after the identity verification method corresponding to the account opened by the user in the current trading institution is passed, log in to the account opened in the current trading institution to initiate a transaction request; when the account balance corresponding to the account opened by the user in the current trading institution is insufficient, according to the partial order of the trading institutions, determine multiple trading institutions corresponding to the current trading institution; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction; the partial order of the trading institutions is determined in advance according to the risk probability, wherein, for any two trading institutions of the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance; according to the risk probability, determine the risk distance of each trading institution corresponding to the current trading institution; according to the risk distance, determine the trading institution to be recommended; recommend the account of the customer in the trading institution to be recommended to the customer; when the customer selects the account corresponding to the trading institution to be recommended for trading, no identity verification is required, and multi-account transactions can be carried out safely and efficiently. The multi-account transaction processing method based on blockchain will be introduced in detail below.

[0037] In one embodiment, as Figure 2 shown, the above multi-account transaction processing method based on blockchain may further include determining the risk probability corresponding to each trading institution on the blockchain for each trading scenario according to the following method:

[0038] Step 201: Obtain the historical transaction data corresponding to each trading scenario of the trading institution;

[0039] Step 202: For the trading scenario, according to the historical transaction data corresponding to the trading institution for this trading scenario, determine the risk probability corresponding to the trading institution for this trading scenario.

[0040] In one embodiment, for the trading scenario, according to the historical transaction data corresponding to the trading institution for this trading scenario, determining the risk probability corresponding to the trading institution for this trading scenario may include:

[0041] Select the transaction data within the first period from the historical transaction data;

[0042] Divide the first period into multiple sub-periods such that the number of transaction data within each sub-period is greater than the set value;

[0043] Determine the risk probability of each sub-period as the proportion of the risky transaction data in the transaction data within the corresponding sub-period;

[0044] Determine the risk probabilities of the multiple sub-periods as multiple samples corresponding to the risk probabilities;

[0045] Based on the multiple samples corresponding to the risk probabilities, determine the variance σ corresponding to the risk probabilities;

[0046] Set the allowable probability error threshold ε, and the probability P that the allowable probability error is greater than ε;

[0047] Determine the sample threshold as

[0048] If the number of samples corresponding to the risk probability is less than the sample threshold, then determine the additional quantity based on the number of samples corresponding to the risk probability, the sample threshold, and the set value;

[0049] Select other historical transaction data from the unselected historical transaction data of the historical transaction data, the corresponding quantity of which is greater than the additional quantity, and divide the periods corresponding to the other historical transaction data into multiple new sub-periods, such that the quantity of transaction data within each new sub-period is greater than the set value;

[0050] Determine the risk probabilities of the respective new sub-periods as the proportion of risk transaction data in the transaction data within the corresponding new sub-periods;

[0051] Add the risk probabilities of the respective new sub-periods to the samples corresponding to the risk probabilities;

[0052] Determine the risk probability of the trading institution corresponding to the trading scenario as the mean value of all samples corresponding to the risk probabilities.

[0053] In specific implementation, the above implementation manner of determining the risk probability can accurately evaluate the trading risk situation of the trading institution, and provide an accurate data basis for the subsequent risk assessment among trading institutions.

[0054] In one embodiment, the above multi-account trading processing method based on blockchain may further include pre-determining the partial order of trading institutions according to the following method based on the risk probability:

[0055] For any two trading institutions on the blockchain, if for any trading scenario, the risk probability of the first trading institution among the two trading institutions corresponding to the trading scenario is less than or equal to the risk probability of the second trading institution among the two trading institutions corresponding to the trading scenario, then determine that the first trading institution is greater than the second trading institution.

[0056] In specific implementation, the above implementation manner of determining the partial order can accurately determine the relative comparison results of risk control among trading institutions, and provide a data basis for subsequent process optimization (no longer performing identity verification on the accounts corresponding to certain trading institutions).

[0057] In one embodiment, after determining the partial order of trading institutions, the secondary trading institutions corresponding to each trading institution can be determined according to the partial order of trading institutions, which may include:

[0058] Sort the trading institutions on the blockchain, initialize the secondary trading institutions corresponding to each trading institution as empty, and initialize the larger trading institutions corresponding to each trading institution to only contain that trading institution;

[0059] Perform the following steps for each trading institution in the sorted order in turn until the following steps are completed for all trading institutions, and the secondary trading institutions corresponding to each trading institution can be obtained:

[0060] For each secondary trading institution corresponding to this trading institution, add the secondary trading institutions corresponding to this secondary trading institution to the secondary trading institutions corresponding to this trading institution;

[0061] Obtain other trading institutions except the secondary trading institutions and the corresponding larger trading institutions corresponding to this trading institution;

[0062] For each of the other trading institutions in turn, determine the partial order relationship between this trading institution and this other trading institution according to the partial order of trading institutions; if this trading institution is greater than this other trading institution, add this other trading institution to the secondary trading institutions corresponding to this trading institution, and add this trading institution to the larger trading institutions corresponding to this other trading institution; if this other trading institution is greater than this trading institution, add this trading institution to the secondary trading institutions corresponding to this other trading institution, and add this other trading institution to the larger trading institutions corresponding to this trading institution; otherwise, the secondary trading institutions and the corresponding larger trading institutions corresponding to the two trading institutions remain unchanged.

[0063] In one embodiment, when the account balance corresponding to the account opened by the user at the current trading institution is insufficient, the multiple trading institutions corresponding to the current trading institution can be determined according to the partial order of trading institutions, which may include:

[0064] Select, from the secondary trading institutions corresponding to the current trading institution, the trading institutions whose corresponding account balances are greater than or equal to the amount of this transaction, and determine the selected trading institutions as the trading institutions corresponding to the current trading institution.

[0065] In one embodiment, as Figure 3 shown, the risk distances of each trading institution corresponding to the current trading institution can be determined according to the risk probability, which may include:

[0066] Step 1301: For each transaction scenario, determine the risk gap value between the current trading institution and each corresponding trading institution for this transaction scenario as the difference between the risk probability of the current trading institution corresponding to this transaction scenario and the risk probability of each corresponding trading institution corresponding to this transaction scenario.

[0067] Step 1302: Determine the risk distance of each trading institution corresponding to the current trading institution based on the risk gap values between the current trading institution and each corresponding trading institution for each transaction scenario.

[0068] Specifically in implementation, for example, determine the risk distance of each trading institution corresponding to the current trading institution as the square root of the sum of squares of the risk gap values between the current trading institution and each corresponding trading institution for each transaction scenario.

[0069] In one embodiment, as Figure 4 shown, determining the trading institutions to be recommended based on the risk distance may include:

[0070] Step 1401: Determine the selection probability of each trading institution corresponding to the current trading institution based on the risk distance.

[0071] Step 1402: Select a probability density function, and determine the probability intervals corresponding to each trading institution corresponding to the current trading institution based on the selection probabilities of each trading institution corresponding to the current trading institution, where the probability intervals do not intersect with each other.

[0072] Step 1403: Generate a random number according to the selected probability density function, and determine the trading institution corresponding to the probability interval corresponding to the generated random number as the trading institution to be recommended based on the corresponding relationship between the generated random number and the probability interval.

[0073] In one embodiment, Step 1401 determining the selection probability of each trading institution corresponding to the current trading institution based on the risk distance may include:

[0074] Determine the selection probability of the i-th trading institution corresponding to the current trading institution as where d j is the risk distance of the j-th trading institution corresponding to the current trading institution, and l is the number of trading institutions corresponding to the current trading institution.

[0075] It should be noted that introducing randomness through the method of probability can reduce the occurrence of risks to a certain extent.

[0076] In one embodiment, selecting a probability density function and determining the probability intervals corresponding to each trading institution corresponding to the current trading institution based on the selection probabilities of each trading institution corresponding to the current trading institution may include:

[0077] Sort all trading institutions corresponding to the current trading institution;

[0078] For each corresponding trading institution, determine the right endpoint probability corresponding to this trading institution as the sum of the selection probabilities of this trading institution and all trading institutions before this current trading institution in the sorting;

[0079] Based on the probability density function and the right endpoint probability corresponding to this trading institution, determine the right endpoint of the probability interval corresponding to this trading institution, such that the integral from the minimum value of the independent variable corresponding to the probability density function to the right endpoint of the probability interval corresponding to this trading institution is equal to the right endpoint probability corresponding to this trading institution;

[0080] For each corresponding trading institution, determine the left endpoint of the probability interval corresponding to this trading institution as the right endpoint of the probability interval corresponding to the previous trading institution of this current trading institution in the sorting;

[0081] Determine the probability interval corresponding to each trading institution corresponding to the current trading institution. This probability interval is a left-open and right-closed interval. The left endpoint of this probability interval is the left endpoint of the probability interval corresponding to this trading institution, and the right endpoint of this probability interval is the right endpoint of the probability interval corresponding to this trading institution.

[0082] In one embodiment, the above blockchain-based multi-account transaction processing method may further include the following steps when the multiple trading institutions corresponding to the current trading institution are empty (that is, there is no trading institution such that the current trading institution is greater than this trading institution):

[0083] For each trading institution on the blockchain, determine the magnitude relationship between the risk probability corresponding to the current trading institution for each trading scenario and the risk probability corresponding to this trading institution for each trading scenario;

[0084] For each trading scenario, when the risk probability corresponding to the current trading institution for this trading scenario is greater than the risk probability corresponding to this trading institution for this trading scenario, then determine this trading scenario as the first trading scenario corresponding to this trading institution, and determine the difference between the two risk probabilities as the first probability difference corresponding to this trading institution;

[0085] For each trading scenario, when the risk probability corresponding to the current trading institution for this trading scenario is less than the risk probability corresponding to this trading institution for this trading scenario, then determine this trading scenario as the second trading scenario corresponding to this trading institution, and determine the absolute value of the difference between the two risk probabilities as the second probability difference corresponding to this trading institution;

[0086] Based on the first probability difference and the second probability difference, determine the selection probability of each trading institution on the blockchain;

[0087] Select a probability density function, and determine the probability interval corresponding to each trading institution on the blockchain according to the selected probability of each trading institution on the blockchain, where each probability interval does not intersect with each other;

[0088] Generate a random number according to the selected probability density function, and determine the trading institution corresponding to the probability interval corresponding to the generated random number as the alternative trading institution to be recommended according to the corresponding relationship between the generated random number and the probability interval corresponding to each trading institution on the blockchain;

[0089] When the customer selects the account corresponding to the alternative trading institution to be recommended, identity verification needs to be performed again.

[0090] In one embodiment, determining the selected probability of each trading institution on the blockchain according to the first probability difference and the second probability difference may include.

[0091] Determine the selected probability of the i-th trading institution on the blockchain as Where And Are respectively the first probability difference and the corresponding second probability difference corresponding to the j-th trading institution on the blockchain, and m is the number of trading institutions on the blockchain.

[0092] To facilitate understanding of how the present invention is implemented, an example is given below for detailed description.

[0093] The application scenario of the multi-account transaction processing method based on the blockchain provided by the embodiment of the present invention may be: when the customer conducts a transaction and the account balance is displayed as insufficient, other accounts need to be selected for the transaction at this time. There are two problems at this time: 1. When trading with other accounts, the customer may need to perform identity verification again. If the identity verification result of the logged-in account can be used to determine that other accounts do not need identity verification, the customer's operation and waiting time will be relatively short, and the customer experience will also be good. 2. Because the balance is insufficient, transfers need to be made between different accounts, which requires resource costs (such as time resource costs and computer resource costs), and there are also certain risks. Of course, the fewer the transfer times, the better the customer experience, the lower the resource cost, and the lower the risk may be.

[0094] The multi-account transaction processing method based on blockchain provided by the embodiments of the present invention includes: when the customer transaction returns an insufficient account balance, select multiple accounts with a verification strength lower than that of the authentication method of the logged-in account as the transaction accounts to be recommended (no identity verification is required, which can reduce the customer's operation and waiting time). Then, for each of the above-mentioned multiple transaction accounts to be recommended, determine the resource cost and risk of conducting a transfer transaction (transferring funds to this account from other accounts) when using this account for transactions, that is, each account corresponds to a certain resource cost and risk. Based on the determined resource cost and risk, determine the priority of the above-mentioned multiple transaction accounts to be recommended. The following is a detailed introduction.

[0095] 1. The blockchain records multiple accounts of the customer. Each account supports the customer to conduct transactions, and different accounts belong to different bank transaction systems respectively. Different identity verification methods (such as face recognition, password verification) of each bank transaction system correspond to different risk data ratios. The risk data ratio is equal to the ratio of risk data (data with risks, such as someone attempting to log in to the customer's account and impersonating the customer's face information for transactions) to the verification data in the verification data corresponding to this identity verification method. The risk data ratio information is stored in the blockchain.

[0096] 2. Determine the direct transaction relationship of the transaction system based on historical transaction data (for example, Alipay can directly conduct transfer transactions with bank accounts, while Alipay and WeChat cannot directly transfer funds). For any two accounts, if there is a direct transaction relationship between the transaction systems corresponding to the two accounts, it is determined that there is a direct transaction relationship between the two accounts (the two accounts can directly transfer funds), and then an account relationship graph is obtained. Each node in the graph is an account, and there is an edge between two accounts if and only if there is a direct transaction relationship between the two accounts.

[0097] 3. When the customer logs in to an account and passes the identity verification method of the transaction system corresponding to this account, when using this account for transactions and the transaction system corresponding to this account returns a failure message of insufficient account balance, the transaction system simultaneously uploads the failure message, including this account and the transaction system corresponding to this account, the customer's identity verification information (including the identity verification method and whether it is successful), and the amount of this transaction (or the remaining transaction amount) to the blockchain.

[0098] 4. The blockchain selects multiple transaction accounts with a risk data ratio greater than the risk data ratio of the identity verification method of this transaction system in the above step (the security of these several transaction accounts is lower than that of the transaction system in the above step), which are called transaction accounts to be recommended, and other accounts are called other transaction accounts.

[0099] 4.1 When the identity verification method is face recognition, multiple trading accounts to be recommended can be selected by matching thresholds. Specifically, select those with a face matching threshold lower than that of the trading system corresponding to the logged-in account. The accounts of this customer in multiple trading systems are the trading accounts to be recommended.

[0100] 5. Determine the trading path length of each trading account to be recommended based on the current transaction amount and the account relationship graph.

[0101] 5.1 For each trading account to be recommended, determine multiple trading accounts with a distance of 1, and in the order from largest to smallest according to the account balance, determine in turn whether the total balance of the current account is greater than the current transaction amount. When it is greater, take the number of the multiple accounts currently selected as the trading path length; otherwise, continue to select from the multiple unselected accounts.

[0102] 5.2 When multiple trading accounts with a distance of n (such as n = 1) still cannot meet the current transaction amount, select multiple trading accounts with a distance of n + 1 until the current transaction amount can be met.

[0103] 5.3 It is also possible to set the distance of each edge in the graph as the risk coefficient of the transaction between the two trading systems corresponding to the edge. Then, when calculating the shortest path, the transaction amount also needs to be considered, that is, to minimize the sum of the transaction amount * risk coefficient.

[0104] 6. Recommend each trading account to be recommended in ascending order of the trading path length for the customer to choose. When the customer chooses any trading account to be recommended for trading, no identity verification is required.

[0105] In summary, the advantages of the blockchain-based multi-account transaction processing method provided by the embodiments of the present invention are: it can better control trading risks, and at the same time can better meet the trading needs of customers, with good customer experience.

[0106] An embodiment of the present invention also provides a blockchain-based multi-account transaction processing device as described in the following embodiments. Since the principle of the device to solve problems is similar to that of the blockchain-based multi-account transaction processing method, the implementation of the device can refer to the implementation of the blockchain-based multi-account transaction processing method, and the repeated parts will not be described again.

[0107] Figure 5 For the structural schematic diagram of the blockchain-based multi-account transaction processing device in the embodiments of the present invention, as Figure 5 shown, the device includes:

[0108] An initiating unit 01, configured to initiate a transaction request after the identity verification method corresponding to the account opened by the user in the current trading institution is verified and the user logs in to the account opened in the current trading institution.

[0109] An institution determination unit 02, configured to determine multiple corresponding trading institutions of the current trading institution according to the partial order of trading institutions when the account balance corresponding to the account opened by the user at the current trading institution is insufficient; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of the current transaction; the partial order of the trading institutions is determined in advance according to the risk probability, wherein, for any two trading institutions of the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance;

[0110] A risk distance determination unit 03, configured to determine the risk distance of each trading institution corresponding to the current trading institution according to the risk probability;

[0111] A to-be-recommended institution determination unit 04, configured to determine the to-be-recommended trading institution according to the risk distance;

[0112] A push unit 05, configured to recommend the account of the customer at the to-be-recommended trading institution to the customer;

[0113] A control unit 06, configured not to conduct identity verification anymore when the customer selects the account corresponding to the to-be-recommended trading institution for trading.

[0114] In one embodiment, the above blockchain-based multi-account transaction processing device may further include: a risk probability determination unit, configured to determine the risk probability corresponding to each trading institution on the blockchain for each trading scenario in advance according to the following method:

[0115] Obtain the historical transaction data corresponding to each trading institution for each trading scenario;

[0116] For a trading scenario, determine the risk probability corresponding to the trading institution for the trading scenario according to the historical transaction data corresponding to the trading institution for the trading scenario.

[0117] In one embodiment, the above blockchain-based multi-account transaction processing device may further include: a partial order determination unit, configured to determine the partial order of trading institutions in advance according to the risk probability according to the following method:

[0118] For any two trading institutions on the blockchain, if for any trading scenario, the risk probability corresponding to the first trading institution among the two trading institutions is less than or equal to the risk probability corresponding to the second trading institution among the two trading institutions for the trading scenario, then determine that the first trading institution is greater than the second trading institution.

[0119] In one embodiment, the risk distance determination unit may specifically be configured to:

[0120] For each trading scenario, determine the difference between the risk probability of the current trading institution corresponding to this trading scenario and the risk probabilities of each corresponding trading institution corresponding to this trading scenario as the risk gap value between the current trading institution and each corresponding trading institution with respect to this trading scenario;

[0121] Based on the risk gap values between the current trading institution and each corresponding trading institution with respect to various trading scenarios, determine the risk distances of each corresponding trading institution of the current trading institution.

[0122] In one embodiment, the to-be-recommended institution determination unit may specifically be configured to:

[0123] Based on the risk distance, determine the selection probabilities of each corresponding trading institution of the current trading institution;

[0124] Select a probability density function, and based on the selection probabilities of each corresponding trading institution of the current trading institution, determine the probability intervals corresponding to each corresponding trading institution of the current trading institution, where the probability intervals do not intersect each other;

[0125] Generate a random number according to the selected probability density function, and based on the correspondence between the generated random number and the probability intervals, determine the trading institution corresponding to the probability interval corresponding to the generated random number as the to-be-recommended trading institution.

[0126] In one embodiment, selecting a probability density function and determining the probability intervals corresponding to each corresponding trading institution of the current trading institution based on the selection probabilities of each corresponding trading institution of the current trading institution may include:

[0127] Sort all the trading institutions corresponding to the current trading institution;

[0128] For each corresponding trading institution, determine the sum of the selection probabilities of this trading institution and all the trading institutions before this current trading institution in the sorting as the right endpoint probability corresponding to this trading institution;

[0129] Based on the probability density function and the right endpoint probability corresponding to this trading institution, determine the right endpoint of the probability interval corresponding to this trading institution such that the integral from the minimum value of the independent variable corresponding to the probability density function to the right endpoint of the probability interval corresponding to this trading institution is equal to the right endpoint probability corresponding to this trading institution;

[0130] For each corresponding trading institution, determine the left endpoint of the probability interval corresponding to this trading institution as the right endpoint of the probability interval corresponding to the previous trading institution of this current trading institution in the sorting;

[0131] Determine the probability interval corresponding to each trading institution corresponding to the current trading institution. This probability interval is a left-open and right-closed interval. The left endpoint of this probability interval is the left endpoint of the probability interval corresponding to this trading institution, and the right endpoint of this probability interval is the right endpoint of the probability interval corresponding to this trading institution.

[0132] In one embodiment, the control unit can also be used to perform the following steps when multiple trading institutions corresponding to the current trading institution are empty:

[0133] For each trading institution on the blockchain, determine the magnitude relationship between the risk probability of the current trading institution corresponding to each trading scenario and the risk probability of this trading institution corresponding to each trading scenario;

[0134] For each trading scenario, when the risk probability of the current trading institution corresponding to this trading scenario is greater than the risk probability of this trading institution corresponding to this trading scenario, then determine this trading scenario as the first trading scenario corresponding to this trading institution, and determine the difference between the two risk probabilities as the first probability difference corresponding to this trading institution;

[0135] For each trading scenario, when the risk probability of the current trading institution corresponding to this trading scenario is less than the risk probability of this trading institution corresponding to this trading scenario, then determine this trading scenario as the second trading scenario corresponding to this trading institution, and determine the absolute value of the difference between the two risk probabilities as the second probability difference corresponding to this trading institution;

[0136] Based on the first probability difference and the second probability difference, determine the selected probability of each trading institution on the blockchain;

[0137] Select a probability density function, and based on the selected probability of each trading institution on the blockchain, determine the probability interval corresponding to each trading institution on the blockchain, where each probability interval does not intersect;

[0138] Generate a random number based on the selected probability density function. Based on the correspondence between the generated random number and the probability interval corresponding to each trading institution on the blockchain, determine the trading institution corresponding to the probability interval corresponding to the generated random number as the alternative trading institution to be recommended;

[0139] When the customer selects the account corresponding to the alternative trading institution to be recommended, identity verification needs to be performed again.

[0140] In the technical solution of this application, the acquisition, storage, use, processing, etc. of data all comply with the relevant regulations of national laws and regulations.

[0141] An embodiment of the present invention also provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor. When the processor executes the computer program, the above-mentioned blockchain-based multi-account transaction processing method is implemented.

[0142] An embodiment of the present invention also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program. When the computer program is executed by a processor, the above-mentioned blockchain-based multi-account transaction processing method is implemented.

[0143] An embodiment of the present invention also provides a computer program product. The computer program product includes a computer program. When the computer program is executed by a processor, the above-mentioned blockchain-based multi-account transaction processing method is implemented.

[0144] In an embodiment of the present invention, for the blockchain-based multi-account transaction processing solution, after the identity verification method corresponding to the account opened by the user in the current trading institution is passed, the user logs in to the account opened in the current trading institution to initiate a transaction request; when the account balance corresponding to the account opened by the user in the current trading institution is insufficient, according to the partial order of the trading institutions, multiple trading institutions corresponding to the current trading institution are determined; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction; the partial order of the trading institutions is determined in advance according to the risk probability. Among them, for any two trading institutions on the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance; according to the risk probability, the risk distance of each trading institution corresponding to the current trading institution is determined; according to the risk distance, the trading institution to be recommended is determined; the account of the customer in the trading institution to be recommended is recommended to the customer; when the customer selects the account corresponding to the trading institution to be recommended for trading, identity verification is no longer required, and safe and efficient multi-account trading can be realized.

[0145] Those skilled in the art should understand that the embodiments of the present invention can be provided as a method, a system, or a computer program product. Therefore, the present invention can adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware aspects. Moreover, the present invention can adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk memories, CD-ROMs, optical memories, etc.) containing computer-usable program codes.

[0146] The present invention is described with reference to the flowcharts and / or block diagrams of methods, apparatuses (systems), and computer program products according to embodiments of the present invention. It should be understood that each flow and / or block in the flowcharts and / or block diagrams, and the combination of flows and / or blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to the processors of general-purpose computers, special-purpose computers, embedded processors, or other programmable data processing devices to generate a machine, such that the instructions executed by the processors of the computer or other programmable data processing devices generate means for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0147] These computer program instructions can also be stored in a computer-readable memory that can direct a computer or other programmable data processing device to work in a specific manner, such that the instructions stored in the computer-readable memory generate a manufactured article including instruction means that implement the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0148] These computer program instructions can also be loaded onto a computer or other programmable data processing device, such that a series of operation steps are executed on the computer or other programmable device to generate a computer-implemented process, and thus the instructions executed on the computer or other programmable device provide steps for implementing the functions specified in one flow Figure 1 one flow or multiple flows and / or blocks Figure 1 or multiple blocks.

[0149] The specific embodiments described above further elaborate on the objectives, technical solutions, and beneficial effects of the present invention. It should be understood that the above are only specific embodiments of the present invention and are not used to limit the protection scope of the present invention. Any modifications, equivalent replacements, improvements, etc. made within the spirit and principles of the present invention shall be included in the protection scope of the present invention.

Claims

1. A multi-account transaction processing method based on blockchain, It is characterized in that include: After the user passes the identity verification corresponding to the account opened in the current trading institution, log in to the account opened in the current trading institution to initiate a transaction request; When the account balance corresponding to the account opened by the user at the current trading institution is insufficient, multiple trading institutions corresponding to the current trading institution are determined according to the partial order of the trading institutions; wherein the current trading institution is larger than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the current transaction amount; the partial order of the trading institutions is predetermined according to the risk probability, wherein, for any two trading institutions on the blockchain, the partial order is used to determine whether the first trading institution of the two trading institutions is larger than the second trading institution, and the risk probability is the predetermined risk probability of each trading institution on the blockchain corresponding to each transaction scenario; Determine the risk distance of each trading institution corresponding to the current trading institution based on the risk probability, which includes: for each trading scenario, determine the difference between the risk probability of the current trading institution corresponding to the trading scenario and the risk probability of each corresponding trading institution corresponding to the trading scenario as the risk gap value between the current trading institution and each corresponding trading institution for the trading scenario; determine the risk distance of each trading institution corresponding to the current trading institution based on the risk gap value between the current trading institution and each corresponding trading institution for each trading scenario; Determining the trading institution to be recommended based on the risk distance, which includes: determining the probability of selection of each trading institution corresponding to the current trading institution based on the risk distance; selecting a probability density function, and determining the probability interval corresponding to each trading institution corresponding to the current trading institution based on the probability of selection of each trading institution corresponding to the current trading institution, wherein the probability intervals do not intersect each other; generating a random number based on the selected probability density function, and determining the trading institution corresponding to the probability interval corresponding to the generated random number as the trading institution to be recommended based on the corresponding relationship between the generated random number and the probability interval; Recommending the user's account in the trading institution to be recommended to the user; When a user selects the account corresponding to the recommended trading institution for trading, there is no need for identity verification; The multi-account transaction processing method based on blockchain also includes predetermining the risk probability of each transaction institution on the blockchain corresponding to each transaction scenario according to the following method: obtaining the historical transaction data of the transaction institution corresponding to each transaction scenario; for a transaction scenario, determining the risk probability of the transaction institution corresponding to the transaction scenario based on the historical transaction data of the transaction institution corresponding to the transaction scenario; The described blockchain-based multi-account transaction processing method further includes pre-determining the partial order of trading institutions according to the following method based on the risk probability: For any two trading institutions on the blockchain, if for any trading scenario, the risk probability of the first trading institution among the two trading institutions corresponding to the trading scenario is less than or equal to the risk probability of the second trading institution among the two trading institutions corresponding to the trading scenario, then it is determined that the first trading institution is greater than the second trading institution.

2. The blockchain-based multi-account transaction processing method according to claim 1, wherein, select a probability density function, and determine the probability interval corresponding to each trading institution corresponding to the current trading institution according to the selected probability of each trading institution corresponding to the current trading institution, including: Sort all trading institutions corresponding to the current trading institution; For each corresponding trading institution, determine the right endpoint probability corresponding to the trading institution as the sum of the selected probabilities of the trading institution and all trading institutions preceding the current trading institution in the sorting; According to the probability density function and the right endpoint probability corresponding to the trading institution, determine the right endpoint of the probability interval corresponding to the trading institution, so that the integral from the minimum value of the independent variable corresponding to the probability density function to the right endpoint of the probability interval corresponding to the trading institution is equal to the right endpoint probability corresponding to the trading institution; For each corresponding trading institution, determine the left endpoint of the probability interval corresponding to the trading institution as the right endpoint of the probability interval corresponding to the previous trading institution of the current trading institution in the sorting; Determine the probability interval corresponding to each trading institution corresponding to the current trading institution. The probability interval is a left-open and right-closed interval. The left endpoint of the probability interval is the left endpoint of the probability interval corresponding to the trading institution, and the right endpoint of the probability interval is the right endpoint of the probability interval corresponding to the trading institution.

3. The blockchain-based multi-account transaction processing method according to claim 1, wherein, it further includes: When the multiple trading institutions corresponding to the current trading institution are empty, perform the following steps: For each trading institution on the blockchain, determine the magnitude relationship between the risk probability of the current trading institution corresponding to each trading scenario and the risk probability of the trading institution corresponding to each trading scenario; For each trading scenario, when the risk probability of the current trading institution corresponding to the trading scenario is greater than the risk probability of the trading institution corresponding to the trading scenario, then determine that the trading scenario is the first trading scenario corresponding to the trading institution, and determine the difference between the two risk probabilities as the first probability difference corresponding to the trading institution; For each trading scenario, when the risk probability of the current trading institution corresponding to the trading scenario is less than the risk probability of the trading institution corresponding to the trading scenario, then determine that the trading scenario is the second trading scenario corresponding to the trading institution, and determine the absolute value of the difference between the two risk probabilities as the second probability difference corresponding to the trading institution; Determine the selected probability of each trading institution on the blockchain according to the first probability difference and the second probability difference; Select a probability density function, and determine the probability interval corresponding to each trading institution on the blockchain according to the selected probability of each trading institution on the blockchain, where each probability interval does not intersect with each other; Generate a random number according to the selected probability density function, and determine the trading institution corresponding to the probability interval corresponding to the generated random number as the alternative trading institution to be recommended according to the corresponding relationship between the generated random number and the probability interval corresponding to each trading institution on the blockchain; When the user selects the account corresponding to the alternative trading institution to be recommended, identity verification needs to be carried out again.

4. A multi-account transaction processing device based on blockchain, characterized in that, it includes: An initiation unit, configured to initiate a transaction request after the identity verification method corresponding to the account opened by the user in the current trading institution is verified; An institution determination unit, configured to determine multiple trading institutions corresponding to the current trading institution according to the partial order of the trading institutions when the account balance corresponding to the account opened by the user in the current trading institution is insufficient; wherein, the current trading institution is greater than each corresponding trading institution, and the account balance of each corresponding trading institution is greater than or equal to the amount of this transaction; the partial order of the trading institutions is determined in advance according to the risk probability, wherein, for any two trading institutions on the blockchain, this partial order is used to determine whether the first trading institution among the two trading institutions is greater than the second trading institution, and the risk probability is the risk probability corresponding to each trading institution on the blockchain for each trading scenario determined in advance; A risk distance determination unit, configured to determine the risk distance of each trading institution corresponding to the current trading institution according to the risk probability, and it includes: for each trading scenario, determine the difference between the risk probability corresponding to the current trading institution for this trading scenario and the risk probability corresponding to each corresponding trading institution for this trading scenario as the risk gap value between the current trading institution and each corresponding trading institution for this trading scenario; determine the risk distance of each trading institution corresponding to the current trading institution according to the risk gap values between the current trading institution and each corresponding trading institution for each trading scenario; A to-be-recommended institution determination unit, configured to determine the trading institution to be recommended according to the risk distance, and it includes: determine the selected probability of each trading institution corresponding to the current trading institution according to the risk distance; select a probability density function, and determine the probability interval corresponding to each trading institution corresponding to the current trading institution according to the selected probability of each trading institution corresponding to the current trading institution, where each probability interval does not intersect with each other; generate a random number according to the selected probability density function, and determine the trading institution corresponding to the probability interval corresponding to the generated random number as the trading institution to be recommended according to the corresponding relationship between the generated random number and the probability interval; A push unit, configured to recommend the account of the user in the to-be-recommended trading institution to the user; A control unit, configured not to perform identity verification again when the user selects the account corresponding to the to-be-recommended trading institution for trading; The described blockchain-based multi-account transaction processing device further includes: a risk probability determination unit, which is used to pre-determine the risk probability of each trading institution on the blockchain corresponding to each trading scenario according to the following method: obtain the historical transaction data of the trading institution corresponding to each trading scenario; for a trading scenario, determine the risk probability of the trading institution corresponding to the trading scenario based on the historical transaction data of the trading institution corresponding to the trading scenario. The described blockchain-based multi-account transaction processing device further includes a partial order determination unit, which is used to pre-determine the partial order of trading institutions according to the risk probability according to the following method: for any two trading institutions on the blockchain, if for any trading scenario, the risk probability of the first trading institution among the two trading institutions corresponding to the trading scenario is less than or equal to the risk probability of the second trading institution among the two trading institutions corresponding to the trading scenario, then determine that the first trading institution is greater than the second trading institution.

5. The blockchain-based multi-account transaction processing device according to claim 4, wherein, select a probability density function, and determine the probability interval corresponding to each trading institution corresponding to the current trading institution according to the selected probability of each trading institution corresponding to the current trading institution, including: sort all the trading institutions corresponding to the current trading institution; for each corresponding trading institution, determine the right endpoint probability corresponding to the trading institution by summing the selected probabilities of the trading institution and all the trading institutions before the current trading institution in the sorting; determine the right endpoint of the probability interval corresponding to the trading institution according to the probability density function and the right endpoint probability corresponding to the trading institution, so that the integral from the minimum value of the independent variable corresponding to the probability density function to the right endpoint of the probability interval corresponding to the trading institution is equal to the right endpoint probability corresponding to the trading institution; for each corresponding trading institution, determine the left endpoint of the probability interval corresponding to the trading institution as the right endpoint of the probability interval corresponding to the previous trading institution of the current trading institution in the sorting; determine the probability interval corresponding to each trading institution corresponding to the current trading institution, the probability interval is a left-open and right-closed interval, the left endpoint of the probability interval is the left endpoint of the probability interval corresponding to the trading institution, and the right endpoint of the probability interval is the right endpoint of the probability interval corresponding to the trading institution.

6. The blockchain-based multi-account transaction processing device according to claim 4, wherein, the control unit is further used to execute the following steps when the multiple trading institutions corresponding to the current trading institution are empty: for each trading institution on the blockchain, determine the magnitude relationship between the risk probability of the current trading institution corresponding to each trading scenario and the risk probability of the trading institution corresponding to each trading scenario; for each trading scenario, when the risk probability of the current trading institution corresponding to the trading scenario is greater than the risk probability of the trading institution corresponding to the trading scenario, then determine that the trading scenario is the first trading scenario corresponding to the trading institution, and determine the difference between the two risk probabilities as the first probability difference corresponding to the trading institution. For each transaction scenario, when the risk probability of the current trading institution corresponding to the transaction scenario is less than the risk probability of the trading institution corresponding to the transaction scenario, then determine that the transaction scenario is the second transaction scenario corresponding to the trading institution, and determine the absolute value of the difference between the two risk probabilities as the second probability difference corresponding to the trading institution; Determine the selection probability of each trading institution on the blockchain according to the first probability difference and the second probability difference; Select a probability density function, and determine the probability interval corresponding to each trading institution on the blockchain according to the selection probability of each trading institution on the blockchain, where each probability interval does not intersect; Generate a random number according to the selected probability density function, and determine the trading institution corresponding to the probability interval corresponding to the generated random number as the alternative trading institution to be recommended according to the corresponding relationship between the generated random number and the probability interval corresponding to each trading institution on the blockchain; When the user selects the account corresponding to the alternative trading institution to be recommended, identity verification needs to be performed again.

7. A computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, characterized in that, when the processor executes the computer program, the method according to any one of claims 1 to 3 is implemented.

8. 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 the processor, the method according to any one of claims 1 to 3 is implemented.

9. A computer program product, characterized in that, the computer program product includes a computer program, and when the computer program is executed by the processor, the method according to any one of claims 1 to 3 is implemented.

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