Blockchain-based secure payment method, system, and storage medium

Abstract

The present invention specifically relates to a secure payment method, system and storage medium based on blockchain, which obtains the person to be paid at the payment end, triggers the corresponding payment risk control strategy based on the type of the person to be paid, and locates the transaction interface between the payment end and the receiving end according to the payment risk control strategy. The anti-fraud learning model outputs the corresponding personal information of the payee and the personal information of the receiving end based on the input transaction interface, determines the payment level according to the mapping between the personal information of the payee and the personal information of the receiving end, and regulates the transfer procedure of the payment along different levels, so as to facilitate the determination of the payment level according to the correlation between the personal information of the payee and the personal information of the receiving end, and regulates the transfer procedure of the payment along different levels, avoiding the transfer of payment according to a single transfer procedure, and ensuring the secure payment of the payment based on the blockchain.

Description

Technical Field

[0001] The present invention belongs to the technical field of secure payment based on blockchain, and specifically relates to a secure payment method, system and storage medium based on blockchain. Background Art

[0002] With the development of science and technology, blockchain is applied to the payment field, and payment channels are constructed in blockchain technology. The payment end and the payment end carry out the flow of payment in the payment channel, and the payment is transferred along the preset payment nodes. In the existing technology, the payment is transferred in the same payment procedure, and the payment transfer procedure is relatively simple, which makes it difficult to ensure the security of the payment. Summary of the Invention

[0003] In order to solve the problem that the existing payment transfer procedure in the prior art is relatively simple, the present invention provides a blockchain-based secure payment method, system and storage medium.

[0004] The present invention is achieved by adopting the following technical solutions:

[0005] Get the person to be paid on the payment side;

[0006] Trigger corresponding payment risk control policies based on the type of person to be paid, where the type of person to be paid can be normal users or special users;

[0007] Locate the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy;

[0008] Input the transaction interface into the anti-fraud learning model and output the corresponding personal information of the payer and the recipient;

[0009] Determine the payment level based on the mapping between the payer's personal information and the recipient's personal information, and regulate the payment transfer process along different levels;

[0010] Monitor the information feedback of the person to be paid after payment, and mark the integrity level of the personal information of the recipient based on the information feedback.

[0011] Optionally, obtaining the person to be paid on the payment end includes: obtaining the person to be paid on the payment end; locating the position of the person to be paid based on the IP address of the payment end, and locating the payment program on the payment end; moving the payment program on the payment end to the monitoring sequence; taking a picture of the person to be paid based on the position of the person to be paid, and determining the personal information of the person to be paid on the payment end based on the picture and the personal information of the payment end. It should be clarified that the various types of information that need to be obtained in the technical solution of this application, such as personal information, IP address, location, picture and other information involving personal privacy of the person to be paid, are all information that has been legally authorized based on legal procedures and will not be repeated later.

[0012] Optionally, the method triggers a corresponding payment risk control strategy based on the type of the person to be paid, wherein the type of the person to be paid can be a normal user and a special user, including: traversing the personal information of the person to be paid; determining that the type of the person to be paid can be a normal user and a special user based on the behavioral information in the personal information; triggering a corresponding payment risk control strategy based on the type of the person to be paid; if the type of the person to be paid is a normal user, the payment process of the person to be paid is a preset payment process; if the type of the person to be paid is a special user, the payment process of the person to be paid is associated with an anti-fraud program, and the payment is subject to abnormal control.

[0013] Optionally, the positioning of the transaction interface between the payment end and the receiving end according to the payment risk control strategy includes: positioning the transaction interface between the payment end and the receiving end according to the payment risk control strategy; temporarily controlling the transaction interface and extending the payment time of the payment; performing reverse tracing based on the transaction interface to locate the payee and the receiving end; if the IP address of the receiving end is in a preset area, outputting a transfer warning to the transaction interface and triggering a response from staff members around the payee.

[0014] Optionally, the transaction interface is input into the anti-fraud learning model, and the corresponding personal information of the payee and the personal information of the receiving end are output, including: controlling the transaction interface based on the blockchain; inputting the transaction interface into the anti-fraud learning model, wherein the anti-fraud learning model is trained by previous transaction interfaces and transaction information; and outputting the corresponding personal information of the payee and the personal information of the receiving end based on the anti-fraud learning model.

[0015] Optionally, the payment level is determined based on the mapping between the personal information of the payee and the personal information of the receiving end, and the transfer procedure of the payment is adjusted along different levels, including: obtaining the personal information of the payee and the personal information of the receiving end; associating the personal information of the payee with the personal information of the receiving end, and based on the information similarity between the personal information of the payee and the personal information of the receiving end; determining the payment level according to the information similarity and the level mapping table; and adjusting the transfer procedure of the payment along different levels, wherein the nodes of the transfer procedure corresponding to different levels are different, and the transfer time is also different.

[0016] Optionally, the monitoring of the information feedback of the person to be paid after payment, and marking the integrity level of the personal information of the receiving end based on the information feedback, also includes: monitoring the information feedback of the person to be paid after payment; marking the integrity level of the personal information of the receiving end based on the information feedback; performing point-based regulation on the integrity level of the personal information of the receiving end, and adjusting the procedural time of subsequent payments based on the integrity level of the receiving end.

[0017] The present invention also includes a blockchain-based secure payment system, which adopts the above-mentioned blockchain-based secure payment method; the blockchain-based secure payment system includes:

[0018] The acquisition module is used to obtain the person to be paid on the payment side;

[0019] The risk control module is used to trigger corresponding payment risk control policies based on the type of person to be paid, where the type of person to be paid can be a normal user or a special user;

[0020] The interface module is used to locate the transaction interface between the payment terminal and the payment terminal according to the payment risk control strategy;

[0021] The input module is used to input the transaction interface into the anti-fraud learning model and output the corresponding personal information of the payer and the recipient;

[0022] The tier module determines the payment tier based on the mapping between the payer's personal information and the recipient's personal information, and regulates the payment transfer process along different tiers;

[0023] The monitoring module is used to monitor the information feedback of the person to be paid after payment, and mark the integrity level of the personal information of the recipient based on the information feedback.

[0024] The present invention also includes a storage medium storing a computer program, which, when loaded and executed by a processor, implements the steps of the blockchain-based secure payment method.

[0025] The technical solution provided by the present invention has the following beneficial effects:

[0026] The technical solution provided by the present invention obtains the person to be paid at the payment end, triggers the corresponding payment risk control strategy based on the type of the person to be paid, and locates the transaction interface between the payment end and the payment end according to the payment risk control strategy, so as to continuously track the payment process of the person to be paid. The anti-fraud learning model outputs the corresponding personal information of the payee and the personal information of the payment end based on the input transaction interface, determines the payment level according to the mapping between the personal information of the payee and the personal information of the payment end, and regulates the transfer procedure of the payment along different levels, so as to facilitate determining the payment level according to the correlation between the personal information of the payee and the personal information of the payment end, and regulates the transfer procedure of the payment along different levels to ensure that the payment can be transferred according to different payment procedures at different payment levels, avoiding the transfer of payment according to a single transfer procedure, so as to facilitate the regulation of the checkpoints in the transfer process of the payment, and ensure that the payment is paid securely based on the blockchain. In addition, the information feedback of the person to be paid after payment is monitored, and the integrity level of the personal information of the payment end is marked based on the information feedback, so as to facilitate the integrity collection of the personal information of the payment end, so as to facilitate the smoothness of subsequent payments. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] The accompanying drawings are used to provide a further understanding of the present invention and constitute a part of the specification. Together with the embodiments of the present invention, they are used to explain the present invention and do not constitute a limitation of the present invention. In the accompanying drawings:

[0028] Figure 1 This is a flowchart of a secure payment method based on blockchain in an embodiment of the present invention.

[0029] Figure 2 This is a flow chart of the payment risk control strategy of the blockchain-based secure payment method in an embodiment of the present invention.

[0030] Figure 3 This is a flow chart of a transaction interface of a secure payment method based on blockchain in an embodiment of the present invention.

[0031] Figure 4 This is a flow chart of an anti-fraud learning model for a blockchain-based secure payment method in an embodiment of the present invention.

[0032] Figure 5 This is a flow chart of the payment levels of the blockchain-based secure payment method in an embodiment of the present invention.

[0033] Figure 6 This is a schematic diagram of the actual process of the blockchain-based secure payment method in an embodiment of the present invention.

[0034] Figure 7 This is a system block diagram of a blockchain-based secure payment system in an embodiment of the present invention. DETAILED DESCRIPTION

[0035] In order to make the purpose, technical solutions and advantages of the present invention more clearly understood, the present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present invention and are not intended to limit the present invention.

[0036] Specifically, the embodiments of the present application are further described below with reference to the accompanying drawings.

[0037] like Figures 1 to 6 As shown, one embodiment of the present invention provides a blockchain-based secure payment method, which is used to classify scattered graph primitive models into business models; the method includes the following steps:

[0038] S10: Get the person to be paid on the payment side.

[0039] S20: triggering a corresponding payment risk control strategy based on the type of the person to be paid, where the type of the person to be paid can be a normal user or a special user.

[0040] S30: Locate the transaction interface between the payment end and the payment receiving end according to the payment risk control strategy.

[0041] S40: Input the transaction interface into the anti-fraud learning model, and output the corresponding personal information of the payer and the recipient.

[0042] S50: Determine the payment level based on the mapping between the personal information of the payee and the personal information of the payment recipient, and regulate the payment transfer procedure along different levels.

[0043] S60: Monitor the information feedback of the person to be paid after payment, and mark the integrity level of the personal information of the payment recipient based on the information feedback.

[0044] In this embodiment, the technical solution provided by the present invention obtains the person to be paid on the payment end, triggers a corresponding payment risk control policy based on the type of the person to be paid, and locates the transaction interface between the payment end and the payment end according to the payment risk control policy to facilitate continuous tracking of the payment process of the person to be paid. The anti-fraud learning model outputs the corresponding personal information of the payee and the payment end based on the input transaction interface, determines the payment level based on the mapping between the payee's personal information and the payment end's personal information, and regulates the payment transfer procedure according to different levels, thereby facilitating the determination of the payment level based on the correlation between the payee's personal information and the payment end's personal information. The payment transfer procedure is regulated according to different levels to ensure that the payment can be transferred according to different payment procedures at different payment levels, avoiding the transfer of payment according to a single transfer procedure, so as to facilitate the regulation of the checkpoints in the payment transfer process and ensure the secure payment of the payment based on the blockchain. In addition, the information feedback of the person to be paid after payment is monitored, and the integrity level of the personal information of the payment end is marked based on the information feedback, so as to facilitate the collection of the integrity of the personal information of the payment end and facilitate the smoothness of subsequent payments.

[0045] Specifically, S10: obtaining the person to be paid on the payment side;

[0046] In the specific implementation process of the present invention, the specific steps may be:

[0047] Obtain the person to be paid on the payment end; locate the position of the person to be paid based on the IP address of the payment end, and locate the payment program of the payment end; move the payment program of the payment end to the monitoring sequence; take a picture of the person to be paid based on the position of the person to be paid, and determine the personal information of the person to be paid on the payment end based on the picture and the personal information of the payment end.

[0048] Among them, the person to be paid at the payment end is obtained, and the corresponding IP address is obtained along the payment end, so as to locate the position of the person to be paid based on the IP address in the network, and locate the payment program of the payment end, so as to monitor the payment program and move the payment program of the payment end to the monitoring sequence; a picture of the person to be paid is taken based on the position of the person to be paid, and the personal information of the person to be paid at the payment end is determined based on the picture and the personal information of the payment end, so as to track the personal information and ensure subsequent processing based on the personal information.

[0049] S20: triggering a corresponding payment risk control policy based on the type of the person to be paid, where the type of the person to be paid can be a normal user or a special user;

[0050] In the specific implementation process of the present invention, the specific steps may be:

[0051] S21: traverse the personal information of the person to be paid;

[0052] S22: Determine based on the behavior information in the personal information the type of the person to be paid, which can be a normal user or a special user;

[0053] S23: triggering corresponding payment risk control strategies based on the type of the person to be paid;

[0054] S24: If the type of the person to be paid is a normal user, the payment process of the person to be paid is the preset payment process;

[0055] S25: If the person to be paid is a special user, the payment process of the person to be paid is linked to the anti-fraud program, and the payment is subject to abnormal control;

[0056] Among them, based on the behavioral information in the personal information, it is determined that the type of the person to be paid can be a normal user or a special user, and the corresponding payment risk control strategy is triggered based on the type of the person to be paid. At this time, a normal payment risk control strategy is adopted for normal users, and a higher-level payment risk control strategy is adopted for special users, and special users are monitored in real time. At this time, if the type of the person to be paid is a normal user, the payment process of the person to be paid is the preset payment process; if the type of the person to be paid is a special user, the payment process of the person to be paid is associated with the anti-fraud program, and the payment is subject to abnormal control.

[0057] S30: Locate the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy;

[0058] In the specific implementation process of the present invention, the specific steps may be:

[0059] S31: Locate the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy;

[0060] S32: Temporarily control the transaction interface and extend the payment time;

[0061] S33: Perform reverse tracing based on the transaction interface to locate the payer and the recipient;

[0062] S34: If the IP address of the payment receiving terminal is in the preset area, a transfer warning is output to the transaction interface, and a response is triggered by the staff around the payee.

[0063] Among them, the transaction interface between the payment end and the payment end is located according to the payment risk control strategy, so as to follow up along the transaction interface, temporarily control the transaction interface, and extend the payment time to reserve sufficient time for control. At this time, reverse tracing is performed based on the transaction interface to locate the payment personnel and the payment end;: If the IP address of the payment end is in the preset area, a transfer warning is output to the transaction interface, and a response from the staff around the payment personnel is triggered.

[0064] S40: Input the transaction interface into the anti-fraud learning model, and output the corresponding personal information of the payer and the recipient;

[0065] In the specific implementation process of the present invention, the specific steps may be:

[0066] S41: Blockchain-based control transaction interface;

[0067] S42: Inputting the transaction interface into an anti-fraud learning model, wherein the anti-fraud learning model is trained by previous transaction interfaces and transaction information;

[0068] S43: Based on the anti-fraud learning model, the corresponding personal information of the payer and the personal information of the payment recipient are output.

[0069] Among them, the transaction interface is input into the anti-fraud learning model, wherein the anti-fraud learning model is trained by previous transaction interfaces and transaction information, the transaction interface is tracked based on the anti-fraud learning model, and the corresponding personal information of the payee and the personal information of the receiving end are output based on the anti-fraud learning model, so as to facilitate interaction based on the personal information of the payee and the personal information of the receiving end, and calculate the correlation between the personal information of the payee and the personal information of the receiving end.

[0070] S50: Determine the payment level based on the mapping between the payee's personal information and the recipient's personal information, and regulate the payment transfer process along different levels;

[0071] In the specific implementation process of the present invention, the specific steps may be:

[0072] S51: Obtaining the personal information of the payer and the recipient;

[0073] S52: Associating the personal information of the payee with the personal information of the payee based on the similarity between the personal information of the payee and the personal information of the payee;

[0074] S53: Determine the payment level based on the information similarity and the level mapping table;

[0075] S54: Regulating the transfer procedure of payment along different levels, wherein the nodes of the transfer procedure corresponding to different levels are different, and the transfer time is also different.

[0076] Among them, the nodes of the transfer procedures corresponding to different levels are different, and the transfer time is also different. At this time, the corresponding delayed transfer procedures are used for the first and second levels, and the normal transfer procedures are used for the third and fourth levels.

[0077] S60: monitoring the information feedback of the person to be paid after payment, and marking the integrity level of the personal information of the payment recipient based on the information feedback;

[0078] In the specific implementation process of the present invention, the specific steps may be:

[0079] Monitor the information feedback of the person to be paid after payment; mark the integrity level of the personal information of the payment recipient based on the information feedback; conduct point-based regulation on the integrity level of the personal information of the payment recipient, and adjust the procedural time of subsequent payments based on the integrity level of the payment recipient.

[0080] The technical solution provided by the present invention obtains the person to be paid at the payment end, triggers the corresponding payment risk control strategy based on the type of the person to be paid, and locates the transaction interface between the payment end and the payment end according to the payment risk control strategy, so as to continuously track the payment process of the person to be paid. The anti-fraud learning model outputs the corresponding personal information of the payee and the personal information of the payment end based on the input transaction interface, determines the payment level according to the mapping between the personal information of the payee and the personal information of the payment end, and regulates the transfer procedure of the payment along different levels, so as to facilitate determining the payment level according to the correlation between the personal information of the payee and the personal information of the payment end, and regulates the transfer procedure of the payment along different levels to ensure that the payment can be transferred according to different payment procedures at different payment levels, avoiding the transfer of payment according to a single transfer procedure, so as to facilitate the regulation of the checkpoints in the transfer process of the payment, and ensure that the payment is paid securely based on the blockchain. In addition, the information feedback of the person to be paid after payment is monitored, and the integrity level of the personal information of the payment end is marked based on the information feedback, so as to facilitate the integrity collection of the personal information of the payment end, so as to facilitate the smoothness of subsequent payments.

[0081] In one embodiment of the present invention, a blockchain-based secure payment system is also disclosed, which adopts the above-mentioned blockchain-based secure payment method; the blockchain-based secure payment system includes a login module 101, a risk control module 102, an interface module 103, an input module 104, a level module 105 and a monitoring module 106.

[0082] An acquisition module 101 is used to acquire the person to be paid at the payment terminal;

[0083] The risk control module 102 is used to trigger corresponding payment risk control policies based on the type of the person to be paid, where the type of the person to be paid can be a normal user or a special user;

[0084] Interface module 103, used to locate the transaction interface between the payment terminal and the payment terminal according to the payment risk control strategy;

[0085] Input module 104, used to input the transaction interface into the anti-fraud learning model and output the corresponding personal information of the payer and the recipient;

[0086] A level module 105 is used to determine the payment level based on the mapping between the payee's personal information and the payee's personal information, and to regulate the payment transfer process along different levels;

[0087] The monitoring module 106 is used to monitor the information feedback of the person to be paid after the payment, and mark the integrity level of the personal information of the payment recipient based on the information feedback.

[0088] In one embodiment of the present invention, a computer device is provided, including a memory and a processor. The memory stores a computer program, and the processor implements the steps in the above method embodiments when executing the computer program.

[0089] In one embodiment of the present invention, a storage medium is further provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0090] Those skilled in the art will appreciate that all or part of the processes in the above-described embodiments can be implemented by instructing the relevant hardware through a computer program. The computer program can be stored in a non-volatile computer-readable storage medium. When executed, the computer program can include the processes of the embodiments of the above-described methods. Any reference to memory, storage, database, or other media used in the embodiments provided herein may include at least one of non-volatile and volatile memory.

[0091] The above description is only a preferred embodiment of the present invention and is not intended to limit the present invention. Any modifications, equivalent substitutions and improvements 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 secure payment method based on blockchain, comprising: Get the person to be paid on the payment side; Trigger corresponding payment risk control policies based on the type of person to be paid, where the type of person to be paid can be normal users or special users; Locate the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy; Input the transaction interface into the anti-fraud learning model and output the corresponding personal information of the payer and the recipient; The payment level is determined based on the mapping between the payer's personal information and the recipient's personal information. The payment transfer process is regulated along different levels, including: Obtaining the personal information of the payee and the recipient; correlating the personal information of the payee and the recipient, and determining the information similarity between the personal information of the payee and the recipient; determining the payment level based on the information similarity and comparing it with a level mapping table; and regulating the payment transfer process along different levels, wherein different levels correspond to different transfer process nodes and different transfer times; Monitor the information feedback of the person to be paid after payment, and mark the integrity level of the personal information of the recipient based on the information feedback.

2. The blockchain-based secure payment method according to claim 1, wherein: The method of obtaining the person to be paid on the payment terminal includes: Get the person to be paid on the payment side; Locate the location of the person to be paid based on the IP address of the payment terminal, and locate the payment program on the payment terminal; Move the payment procedure of the payment terminal to the monitoring sequence; A picture of the person to be paid is taken based on the position of the person to be paid, and the personal information of the person to be paid at the payment end is determined based on the picture and the personal information of the payment end.

3. The blockchain-based secure payment method according to claim 2, wherein: The payment risk control strategy is triggered based on the type of the person to be paid, where the type of the person to be paid can be a normal user or a special user, including: Traverse the personal information of the person to be paid; Based on the behavioral information in the personal information, the category of the person to be paid can be determined as a normal user or a special user; Trigger corresponding payment risk control strategies based on the type of person to be paid; If the type of person to be paid is a normal user, the payment process for the person to be paid is the preset payment process; If the person to be paid is a special user, the payment process of the person to be paid will be linked to the anti-fraud program, and the payment will be subject to abnormal control.

4. The blockchain-based secure payment method according to claim 3, wherein: Positioning the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy includes: Locate the transaction interface between the payment terminal and the payment receiving terminal according to the payment risk control strategy; Temporarily control the transaction interface and extend the payment time; Conduct reverse tracing based on the transaction interface to locate the payer and the recipient; If the IP address of the payment receiving terminal is in the preset area, a transfer warning will be output to the transaction interface, and a response will be triggered by the staff around the payee.

5. The blockchain-based secure payment method according to claim 4, wherein: The transaction interface is input into the anti-fraud learning model, and the corresponding personal information of the payer and the recipient is output, including: Blockchain-based control transaction interface; Inputting the transaction interface into the anti-fraud learning model, wherein the anti-fraud learning model is trained by previous transaction interfaces and transaction information; Based on the anti-fraud learning model, the corresponding personal information of the payer and the recipient is output.

6. The blockchain-based secure payment method according to claim 5, wherein: The monitoring of the information feedback of the person to be paid after payment, and marking the integrity level of the personal information of the payment receiving end based on the information feedback, also includes: Monitor the information feedback of the person to be paid after payment; The integrity level of the personal information of the payment recipient is marked based on information feedback; The integrity level of the personal information of the payment recipient is regulated in a point-based manner, and the processing time of subsequent payments is adjusted based on the integrity level of the payment recipient.

7. A secure payment system based on blockchain, characterized by: The blockchain-based secure payment system adopts the blockchain-based secure payment method according to any one of claims 1 to 6; the blockchain-based secure payment system includes: The acquisition module is used to obtain the person to be paid on the payment side; The risk control module is used to trigger corresponding payment risk control policies based on the type of person to be paid, where the type of person to be paid can be a normal user or a special user; The interface module is used to locate the transaction interface between the payment terminal and the payment terminal according to the payment risk control strategy; The input module is used to input the transaction interface into the anti-fraud learning model and output the corresponding personal information of the payer and the recipient; The tier module determines the payment tier based on the mapping between the payer's personal information and the recipient's personal information, and regulates the payment transfer process along different tiers; The monitoring module is used to monitor the information feedback of the person to be paid after payment, and mark the integrity level of the personal information of the recipient based on the information feedback.

8. A storage medium storing a computer program, characterized in that: When the computer program is loaded and executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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