A Payment-Based Big Data Service System and Method

Abstract

The present invention provides a big data service system and method based on payment. When a user conducts a payment transaction in a given scenario, the payment application is submitted to a third party. The third party reviews the received payment transaction request, records the transaction of the relevant information submitted in the application, and constructs a transaction network among users based on the transaction records. A risk assessment module is used to conduct a risk assessment, and after confirming the risk situation, it is sent to the user. After further confirming the transaction, a transaction voucher with the signatures of both parties can be obtained. The third-party institution determines the legality of the transaction voucher, processes the user's payment request, and assists in completing the transaction. After the transaction is completed, the user provides information feedback on the transaction situation, and a credit assessment record is made based on the feedback situation, providing a reference basis for constructing a transaction network for subsequent transactions. The present invention solves the technical problems of inconvenient payment transactions and low security in the prior art.

Description

Technical Field

[0001] The present invention relates to the field of big data technology, and in particular, to a big data service system and method based on payment. Background Art

[0002] Online payment has developed with the development of e-commerce. Online payment is an important part of e-commerce. Nowadays, it mainly uses modern network technology, thus expanding to ordinary consumers and almost all transaction fields, and also covering the global business scope. The "2020111228394" "A Smart City Bus Payment Service System" invented by Wu Chengjun includes an urban bus operation settlement platform, a face image acquisition system Ⅰ installed at the front door boarding position of urban buses, an access control system Ⅰ installed at the front door of urban buses, an in-vehicle terminal positioning system installed on urban buses, a face image acquisition system Ⅱ installed at the front door boarding position of urban buses, and an access control system Ⅱ installed at the front door of urban buses; the face image acquisition system Ⅰ, the face image acquisition system Ⅱ, and the in-vehicle terminal positioning system are respectively connected to the urban bus operation settlement platform through wireless communication devices; the urban bus operation settlement platform is respectively connected to the access control system Ⅰ and the access control system Ⅱ through wireless communication devices.

[0003] However, in the process of implementing the technical solutions of the invention in the above application embodiments, it is found that the above technologies have at least the following technical problems: inconvenient payment and low security. Summary of the Invention

[0004] The present invention provides a big data service system and method based on payment, which solves the technical problems of inconvenient payment transactions and low security in the prior art, and realizes the technical effects of more convenient payment transactions and more secure payment transactions.

[0005] The present invention provides a big data service system and method based on payment, specifically including the following technical solutions:

[0006] A big data service system based on payment includes the following parts:

[0007] A user module, a payment module, a card management module, an information service module, an encryption module, a bank module, a risk assessment module, and an information feedback module;

[0008] The user module includes recording personal information and managing personal information accounts. In this module, the account details and message notifications can be queried; the user enters the payment module through the user module to conduct payment transactions, and enters the card surface management module to manage the card surface;

[0009] The payment module includes a payment transaction query, a transaction statement, and a transaction cancellation component. The payment transaction query component provides an entry for users to query personal transactions, enabling them to conveniently view their payment transaction records anytime and anywhere. The transaction cancellation component has the function of transaction cancellation, allowing users to cancel the transactions of the current day. The transaction statement component helps users to count their daily transaction data.

[0010] The card management module queries the bound card information, facilitates the card binding and unbinding for both the buyer and the seller, and enables them to rebind their virtual accounts after card replacement.

[0011] The message service module includes receiving new messages released by both the buyer and the seller, being able to receive messages sent by relevant markets and other institutions, and enabling users to timely understand market dynamics and relevant trading information in the market. It provides the latest messages to the user module and the bank module and can receive relevant information sent by the bank module.

[0012] The encryption module uses the elliptic curve encryption algorithm and the hybrid encryption algorithm of DES and RSA to encrypt the verification codes and two-dimensional codes that appear in the transaction, and encrypts the payment transactions in the payment module through the encryption module.

[0013] The bank module, which is a third-party institution, is used to construct the virtual accounts of users, conduct transaction transfers between the virtual accounts of users through it, provide a platform for the realization of the functions of the payment module, and at the same time submit the latest bank policies and transaction success information to the information service module.

[0014] The risk assessment module enables the system to self-learn based on historical data samples through artificial intelligence, sets the risk warning thresholds for key indicators, predicts the risk levels and violation scopes of the inspection objects, provides a basis for the selection of inspection objects and the targeted implementation of off-site supervision. It conducts risk assessment on the payment module, and feeds back the assessment results to the information service module, and then the information service module feeds back the assessment results to the user module and the bank module, providing a reference basis for the next payment service.

[0015] The information feedback module is used for users to evaluate and give feedback to the trading counterpart through logging in to the user module after the payment transaction is completed, providing a basis for the risk assessment module.

[0016] A method for executing a big data service system based on payment, the method includes the following steps:

[0017] S1. When a user conducts a payment transaction in a given scenario, submit the payment application to a third party. The third party reviews the received payment transaction request, records the relevant information of the submitted application for the transaction, and constructs a transaction network among users according to the transaction records.

[0018] S2. After the payment transaction request is approved by a third - party institution, use the risk assessment module to conduct a risk assessment. After confirming the risk situation, send it to the user to further confirm the transaction, and then a transaction voucher with the signatures of both parties can be obtained.

[0019] S3. After verifying the transaction voucher with the user's signature, the third - party institution determines the legality of the transaction voucher, processes the user's payment request, assists in completing the transaction. After the transaction is completed, the user gives feedback on the transaction situation, and a credit assessment record is made according to the feedback situation, providing a reference basis for constructing a transaction network for subsequent transactions.

[0020] Further, step S1 includes:

[0021] In the payment transaction service system, all users and payees apply for accounts to obtain the set and , where , where represents the th user account, represents the number of users; , where represents the th payee account, represents the number of payees.

[0022] Construct a payment transaction network model through the payment transaction records of each user account, providing a reference for the third - party and users in subsequent payment transactions.

[0023] The payment transaction network model is constructed as follows:

[0024] ,

[0025] where represents the set of user accounts; represents the set of payee accounts; represents the payment transaction network matrix between users, represents the set of user relationship networks; represents the set of payee relationship networks; the overlapping part of the two relationship networks indicates that there are mutual payment transaction records between them, and both user and payee accounts can be one - to - many.

[0026] Further, step S1 includes:

[0027] When conducting a payment transaction, when further confirming the transaction application with the security verification code obtained after submitting the application and receiving feedback, the security verification code is encrypted by the existing elliptic curve encryption algorithm to prevent information leakage and ensure the security of the transaction; when the user submits a payment transaction request, the receiving party forwards the transaction payment details QR code and payment request to a third-party institution for verification. When the verification is correct, the user makes the payment; the payment details QR code first adds a time stamp and the degree of closeness of the relationship network between users to the QR code by using an encryption module for the first-level encryption, and then uses a hybrid encryption algorithm of DES and RSA to perform a second-level encryption on the QR code to ensure the security of the payment transaction.

[0028] Further, the step S2 includes:

[0029] According to the personal application information submitted by the user and the historical payment transaction profiles, a model is constructed for the user to construct a user credit evaluation model, specifically as follows:

[0030] ,

[0031] Among them, represents the personal information set of the th user; represents the weight set corresponding to the personal information of the th user; represents the payment transaction record set of the th user; represents the relationship network set of the th user; represents the model result, which is the credit evaluation profile of the th user. Set a threshold , Judge the value of the model result . When , the credit of this user is poor; when , there are few problems with the credit of this user; when , this user has no bad credit record.

[0032] Further, the step S3 includes:

[0033] After the transaction is completed, the third-party institution records the transaction and feedback information of this user, updates the transaction relationship network of the user, and updates the credit evaluation model of the risk assessment module according to the recorded information, gradually improving the big data system of the entire payment transaction.

[0034] The present invention has at least the following technical effects or advantages:

[0035] 1. The present invention constructs a payment transaction network model, builds a relationship network based on the payment transaction records between the two, provides a favorable basis for the convenience of payment transactions, and is also cost-effective in the big data era.

[0036] 2. The present invention encrypts the security verification code using the elliptic curve encryption algorithm to prevent information leakage, ensures the security of transactions, and improves the security level of the system's payment transactions.

[0037] 3. The present invention double-encrypts the payment transaction QR code to form a second layer of protection barrier during the transaction process, increasing the security level of the system.

[0038] 4. The present invention constructs a credit evaluation model to evaluate the credit of users, provides a security basis for payment transactions, avoids unnecessary risks, and makes payments more convenient. BRIEF DESCRIPTION OF THE DRAWINGS

[0039] Figure 1 It is a structural block diagram of a big data service system based on payment according to the present invention;

[0040] Figure 2 It is a flowchart of a method for a big data service system based on payment according to the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0041] The technical solutions in the embodiments of the present application are to solve the technical problems of inconvenient payment transactions and low security level, and the general idea is as follows:

[0042] First, when a user conducts a payment transaction in a given scenario, the payment application is submitted to a third party. The third party reviews the received payment transaction request, records the transaction of the relevant information submitted in the application, and constructs a transaction network among users based on the transaction records. When the payment transaction request is approved by the third-party institution, a risk assessment module is used to conduct a risk assessment. After confirming the risk situation, it is sent to the user to further confirm the transaction, and a transaction voucher with the signatures of both parties can be obtained. After verifying the transaction voucher with the user's signature, the third-party institution determines the legality of the transaction voucher, processes the user's payment request, and assists in completing the transaction. After the transaction is completed, the user provides information feedback on the transaction situation, and a credit assessment record is made based on the feedback, providing a reference for constructing a transaction network for subsequent transactions. By constructing a payment transaction network model and building a relationship network based on the payment transaction records between the two parties, it provides a favorable basis for the convenience of payment transactions and is also cost-effective in the big data era. In the present invention, the security verification code is encrypted using the elliptic curve encryption algorithm to prevent information leakage, ensuring the security of transactions and improving the security level of the system's payment transactions. By double-encrypting the payment transaction QR code, a second layer of protection barrier is formed during the transaction process, increasing the security level of the system. By constructing a credit assessment model to assess the credit of users, it provides a security basis for payment transactions, avoids unnecessary risks, and makes payments more convenient.

[0043] To better understand the above technical solution, the above technical solution will be described in detail below in combination with the accompanying drawings of the specification and specific implementation manners.

[0044] Referring to the appendix Figure 1 , a big data service system based on payment mainly includes the following parts:

[0045] User module, payment module, card management module, information service module encryption module, bank module, risk assessment module, information feedback module.

[0046] The user module includes functions for recording personal information and managing personal information accounts. In this module, account details and message notifications can be queried.

[0047] Preferably, the user enters the payment module through the user module to conduct a payment transaction, and enters the card surface management module through the user module to manage the card surface.

[0048] The payment module includes payment transaction query, transaction report, and transaction cancellation components. The payment transaction query component provides an entry for the user to query personal transactions, enabling convenient viewing of their payment transaction records at any time and place. The transaction cancellation component has the function of transaction cancellation, allowing the user to cancel the transaction on the same day. The transaction report component helps the user to statistically analyze daily transaction data.

[0049] The card management module queries the card binding information, facilitates card binding and unbinding for both the buyer and the seller, and can rebind their virtual accounts after card replacement.

[0050] The message service module includes receiving new messages published by the buyer and the seller from each other, being able to receive messages sent by the relevant market and other institutions, and being able to timely understand market dynamics and relevant trading information in the market; providing the latest messages to the user module and the bank module and being able to accept relevant information sent by the bank module to better provide services.

[0051] The encryption module uses the elliptic curve encryption algorithm and the hybrid encryption algorithm of DES and RSA to encrypt the verification codes and two-dimensional codes that appear in the transaction, and encrypts the payment transactions in the payment module through the encryption module to ensure the security of payment transactions.

[0052] The bank module, that is, a third-party institution, is used to construct the virtual accounts of users, conduct transaction transfers between the virtual accounts of users through it, provide a platform for the realization of the functions of the payment module, and at the same time submit the latest bank policies and transaction success information to the information service module.

[0053] The risk assessment module enables the system to self-learn according to historical data samples through artificial intelligence, sets the risk warning threshold for key indicators, predicts the risk level and violation scope of the inspection object, provides a basis for the selection of the inspection object and the targeted implementation of off-site supervision, conducts a risk assessment on the payment module, and feeds back the assessment result to the information service module, and then the information service module feeds back the assessment result to the user module and the bank module to provide a reference basis for the next payment service.

[0054] The information feedback module is used for the user to evaluate and give feedback on the trading partner through logging in to the user module after the payment transaction is completed, providing a basis for the risk assessment module.

[0055] As a specific embodiment, a big data service execution method based on payment includes the following steps:

[0056] S1. When a user conducts a payment transaction in a given scenario, the payment application is submitted to a third party. The third party reviews the received payment transaction request, records the relevant information of the submitted application for transactions, and constructs a transaction network between users according to the transaction records.

[0057] S11. Both the paying user and the payee register and record information with a third-party institution (bank). The third-party institution serves as a transfer for the two parties to conduct payment transactions to ensure transaction security.

[0058] In this system, all users and payees apply for accounts to obtain a set and , where , where represents the th user account, represents the number of users; , where represents the th payee account, represents the number of payees.

[0059] Construct a payment transaction network model based on the payment transaction records of each user account, providing a reference for third parties and users during subsequent payment transactions.

[0060] The construction of the payment transaction network model is as follows:

[0061] ,

[0062] where represents the set of user accounts; represents the set of payee accounts; represents the payment transaction network matrix between users (note: user accounts and payee accounts can be interchanged, i.e., a user can also be a payee), that is

[0063] ,

[0064] represents the payment transaction network element between the i-th user and the j-th payee; represents the set of relationship networks of users; represents the set of relationship networks of payees; the overlapping part of the two relationship networks indicates the existence of mutual payment transaction records, and both user and payee accounts can be one-to-many.

[0065] Furthermore, in the big data era, the number of payment transaction users is huge. As long as the addition and deletion management operations are performed on the number sets of users and payees in the payment transaction network model, the payment transaction network model can be updated adaptively.

[0066] The present invention constructs a payment transaction network model, builds a relationship network based on the payment transaction records between the two, provides a favorable basis for the convenience of payment transactions, and is also cost-effective in the big data era.

[0067] S12. When a payment transaction application is submitted, the user will submit their own account information, transaction details, and partial information of the other party's account, so as to retain transaction records in the payment transaction system, establish a relationship network for the user, and facilitate subsequent payment transaction cooperation;

[0068] As a specific embodiment, when conducting a payment transaction, when the user submits a payment transaction application, after the bank payment transaction system obtains the payment transaction application, it sends security verification information to the payee for feedback. According to the feedback information, the payee further determines the payment transaction application. After confirmation, the third-party institution, i.e., the bank, will provide a security verification code (SMS verification code) based on the information provided by the payee to further verify and pass the transaction application. The security verification code is sent by the third-party institution when it receives the payment transaction application submitted by the payee and is used to confirm the information security of the payment transaction.

[0069] Optionally, during the transaction, the payee can automatically generate a payment QR code and encrypt it using an encryption module to ensure the security of the payment transaction.

[0070] The security verification code is encrypted through the existing elliptic curve encryption algorithm to prevent information leakage and ensure the security of the transaction.

[0071] The present invention encrypts the security verification code using the elliptic curve encryption algorithm to prevent information leakage, ensuring the security of the transaction and improving the security level of the system's payment transaction.

[0072] As a specific embodiment, when conducting a payment transaction, the payee proposes that a payment transaction request needs to be submitted, and the third-party institution sends the request to the user who needs to conduct the transaction . The user verifies and checks the payment QR code and payment request in the payment transaction details forwarded by the third-party institution. When the check is correct, the payment transaction is made.

[0073] The payment details QR code is encrypted using an encryption module to ensure the security of the payment transaction.

[0074] Preferably, when encrypting the generated QR code, the encryption module first adds a timestamp and the relationship network of the closeness between users to the QR code as a first-level encryption, and then uses a hybrid encryption algorithm of DES and RSA to perform a second-level encryption on the QR code. In the implementation process of the hybrid encryption algorithm of DES and RSA, first, a DES encryption key K is generated, and the public encryption key of the RSA encryption algorithm is used to encrypt the DES key K to form a DES encryption key Ck and save it. The generated key Ck is used to encrypt the plaintext P by DES to generate a ciphertext. For the encrypted key, further decrypt the ciphertext using the DES algorithm and decrypt the DES key using the RSA algorithm to obtain the encryption key Ck. Use the decryption key of RSA to decrypt the DES key Ck to form a DES decryption key K, and use the generated key K to decrypt the ciphertext C by DES to generate a plaintext file.

[0075] Through double encryption of the payment transaction QR code, the present invention forms a second layer of protection barrier during the transaction process, increasing the security of the system.

[0076] S2. After the payment transaction request is approved by a third-party institution, use the risk assessment module to conduct a risk assessment. After confirming the risk situation, send it to the user to further confirm the transaction, and a transaction voucher with the signatures of both parties can be obtained.

[0077] S21. After reviewing the payment transaction application, use the risk assessment module to evaluate the transaction risk, and send the evaluation result to the user module through the information feedback module.

[0078] According to the personal application information submitted by the user and the historical payment transaction profiles, a model is constructed for the user to construct a user credit assessment model, specifically as follows:

[0079] ,

[0080] Among them, represents the personal information set of the th user; represents the weight set corresponding to the personal information of the th user; represents the payment transaction record set of the th user; represents the relationship network set of the th user; represents the model result, which is the credit assessment profile of the th user.

[0081] ,

[0082] Among them, represents a two-dimensional impulse function constructed for the payment transaction record set and the user transaction relationship network set. After the action of the above formula, the credit assessment profile of the user can be obtained. Set the threshold , Make a judgment on the value of the model result . When , the credit of this user is poor; when , there are few problems with the credit of this user; when , this user has no bad credit record.

[0083] The present invention conducts a credit assessment on users by constructing a credit assessment model, provides a security basis for payment transactions, avoids unnecessary risks, and makes payments more convenient.

[0084] After the credit evaluation is completed, the user stores the virtual amount of the transaction in a third-party institution, and the third-party institution sends a transaction application to the other party. After confirming that there is no error, the transaction is confirmed, and a transaction certificate with the signatures of both parties can be obtained.

[0085] S3. After obtaining the transaction certificate with the user's signature, the third-party institution verifies the legality of the transaction certificate, processes the user's payment request, assists in completing the transaction. After the transaction is completed, the user provides information feedback on the transaction situation, and the credit evaluation record is made according to the feedback situation, providing a reference basis for building a transaction network for subsequent transactions.

[0086] After the transaction is completed, the third-party institution records the user's transaction and feedback information, updates the user's transaction relationship network, and updates the credit evaluation model of the risk assessment module according to the recorded information, gradually improving the big data system of the entire payment transaction.

[0087] Refer to the appendix Figure 2 , and a big data service system and method based on payment are completed.

[0088] Effect investigation:

[0089] The technical solution of the present invention can effectively solve the technical problems of inconvenient payment transactions and low security. Moreover, the above system has undergone a series of effect investigations. By constructing a payment transaction network model and building a relationship network based on the payment transaction records between the two, it provides a favorable basis for convenient payment transactions and is also cheap in the big data era. The present invention encrypts the security verification code using the elliptic curve encryption algorithm to prevent information leakage, ensuring the security of transactions and improving the security of the system's payment transactions. By double-encrypting the payment transaction QR code, a second layer of protection barrier is formed during the transaction process, increasing the security of the system. By constructing a credit evaluation model to evaluate the user's credit, it provides a security basis for payment transactions, avoiding unnecessary risks and making payment more convenient.

[0090] 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 process and / or block in the flowchart and / or block diagram, and the combination of processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to the processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing devices to generate a machine, so that the instructions executed by the processor of the computer or other programmable data processing devices generate means for implementing the functions specified in one Figure 1 one process or multiple processes and / or blocks Figure 1 one block or multiple blocks.

[0091] These computer program instructions can also be loaded onto a computer or other programmable data processing apparatus, causing a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer-implemented process, so that the instructions executed on the computer or other programmable apparatus provide steps for implementing the functions specified in one process or a plurality of processes and / or boxes. Figure 1 one process or a plurality of processes and / or boxes Figure 1 or steps of the functions specified in a plurality of boxes.

[0092] Although the preferred embodiments of the present invention have been described, additional changes and modifications can be made by those skilled in the art once they learn of the basic inventive concept. Therefore, the appended claims are intended to be construed to cover the preferred embodiments as well as all changes and modifications falling within the scope of the present invention.

[0093] Obviously, those skilled in the art can make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalent technologies, the present invention is also intended to include these modifications and variations.

Claims

1. A payment-based big data service system, characterized in that: Includes the following sections: User module, payment module, card management module, information service module, encryption module, bank module, risk assessment module, information feedback module; The bank module, i.e., a third-party institution, is used to build users' virtual accounts and conduct transactions between users' virtual accounts, provide a platform for the payment module to realize its functions, and submit the latest bank policies and transaction success information to the information service module; The risk assessment module, the system uses artificial intelligence to conduct self-learning based on historical data samples, establishes risk warning thresholds for key indicators, predicts the risk level and violation scope of the inspection object, and provides a basis for the selection of inspection objects and targeted off-site supervision. By conducting risk assessment on the payment module and feeding back the assessment results to the information service module, the information service module then feeds back the assessment results to the user module and the bank module, providing a reference for the next payment service; The payment-based big data service system is used to perform the following steps: S1. When a user makes a payment transaction in a given scenario, he submits a payment application to a third party. In the payment transaction service system, all users and payees apply for an account and obtain a collection. as well as ,in, ,in, Indicates user accounts, Indicates the number of users; ,in, Indicates The payee account number, Indicates the number of payees; Through the payment transaction records of each user account, a payment transaction network model is constructed to provide a reference for third parties and users when they make payment transactions again; the payment transaction network model is constructed as follows: ， in, Represents a collection of user accounts; Represents the collection of payee accounts; Represents the payment transaction network matrix between users, that is, , Indicates User and Network elements for payment transactions between individual payees; Represents the user's network set; Represents the collection of the payee's relationship networks; the overlap between two relationship networks indicates that there are records of payment transactions between the two parties, and both the user and payee accounts can be one-to-many; When making a payment transaction, the transaction application is further confirmed by the security verification code fed back after the application is submitted. The security verification code is encrypted by the elliptic curve encryption algorithm to prevent information leakage and ensure the security of the transaction; when the user makes a payment transaction request, the payee verifies and proofreads the transaction payment details QR code and the payment request forwarded by the third-party institution. When the verification is correct, the user makes the payment; the encryption module encrypts the payment transaction details QR code once by adding a timestamp and a close relationship network between users, and then uses the DES and RSA hybrid encryption algorithm to double-encrypt the payment transaction details QR code to ensure the security of the payment transaction; S2. When the payment transaction request is approved by a third-party institution, the risk assessment module is used to conduct a risk assessment. After confirming the risk situation, it is sent to the user. After further confirming the transaction, a transaction voucher with signatures of both parties can be obtained; S3. After obtaining the transaction voucher with the user's signature, the third-party institution determines the legitimacy of the transaction voucher, processes the user's payment request, and assists in completing the transaction. After the transaction is completed, the user provides feedback on the transaction status, and a credit evaluation record is made based on the feedback to provide a reference for building a transaction network for subsequent transactions.

2. A payment-based big data service system as claimed in claim 1, characterized in that: Includes the following sections: The user module is used to record personal information and manage personal information accounts. Account details and message notifications can be queried in this module. Users can enter the payment module through the user module to make payment transactions and enter the card management module to manage cards. The payment module includes a payment transaction query component, a transaction report component, and a transaction cancellation component; the payment transaction query component provides a user with an entry for personal transaction query, so that the user can conveniently check his or her payment transaction records anytime and anywhere; the transaction cancellation component has a transaction cancellation function, so that the user can cancel the transaction of the day; the transaction report component helps the user to count daily transaction data; The card management module can query the card binding information and facilitate the buyer and seller to bind and unbind the card, and can rebind their virtual account after changing the card; The information service module includes receiving new messages from buyers and sellers, receiving messages from relevant markets and other institutions, and timely understanding market dynamics and relevant transaction information of the market; providing the latest messages to the user module and the bank module and receiving relevant information from the bank module; The encryption module uses an elliptic curve encryption algorithm and a DES and RSA hybrid encryption algorithm to encrypt the verification code and the payment transaction QR code that appear in the transaction, and encrypts the payment transaction in the payment module through the encryption module; The information feedback module is used for the user to evaluate and provide feedback to the transaction counterparty through the login user module after the payment transaction is completed, so as to provide a basis for the risk assessment module.

3. A payment-based big data service system as claimed in claim 1, characterized in that: The step S2 comprises: Based on the personal application information submitted by the user and the historical payment transaction profile, a user model is constructed to build a user reputation evaluation model, as follows: ， in, Indicates A collection of personal information of individual users; Indicates A weight set corresponding to each user's personal information; Indicates A collection of payment transaction records for each user; Indicates The collection of a user's network; Represents the model result, which is The credit evaluation profile of each user, setting the threshold , The model results The value of When , the user's reputation is poor; when When , the user's reputation has fewer problems; when When the user has no bad credit record.

4. A payment-based big data service system as claimed in claim 1, characterized in that: The step S3 comprises: After the transaction is completed, the user's transaction and feedback information will be recorded in a third-party agency, the user's transaction relationship network will be updated, and the credit assessment model of the risk assessment module will be updated based on the recorded information, gradually improving the big data system of the entire payment transaction.

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