A bill discount anti-fraud system supported by blockchain technology

Abstract

The present invention provides a bill discount anti-fraud system supported by blockchain technology, which relates to the field of electronic digital data processing, and comprises a blockchain infrastructure module, an identity authentication authorization module, a bill verification and tracking module and a transaction monitoring fraud detection module. The blockchain infrastructure module is used to provide blockchain technology support for storing key information, the identity authentication authorization module is used to authenticate the parties involved in the bill discount and grant authority, the bill verification and tracking module is used to verify the authenticity of the bill and track the transfer route, and the transaction monitoring fraud detection module is used to monitor the bill discount process and perform fraud detection; the system records information about the bill through blockchain technology, can directly identify deception methods such as forgery, and then through analysis of the discount behavior, can identify fraud based on real discount behavior, and play a comprehensive protective role in bill discounting.

Description

Technical Field

[0001] The present invention relates to the field of electronic digital data processing, and in particular to a bill discount anti-fraud system supported by blockchain technology. Background Art

[0002] Bill discounting is a short-term financial service that allows businesses or individuals holding matured bills to convert them into cash before the bills mature to meet immediate funding needs. This process involves selling unexpired commercial bills to banks or other financial institutions at a discount, which is usually based on the remaining term of the bill before maturity and the current market interest rate. In existing discounting activities, there are frauds such as forging bills or identity certificates, and there are also ways to achieve other fraudulent purposes by using real bill discounting activities. Therefore, a bill discounting system that can fully prevent fraud is needed to protect the normal operation of discounting activities.

[0003] The foregoing discussion of the background art is intended only to facilitate an understanding of the present invention. This discussion does not acknowledge or admit that any of the material referred to is part of the common general knowledge.

[0004] Now many bill discounting systems have been developed. After a lot of searching and reference, it is found that the existing bill discounting systems are such as the system disclosed in the publication number CN111695908B. These systems generally include: obtaining the bill business risk prediction data of the enterprise to be predicted; performing feature processing on the bill business risk prediction data of the enterprise to be predicted to obtain the bill business risk feature data of the enterprise to be predicted; obtaining the risk prediction result of the enterprise to be predicted based on the bill business risk feature data of the enterprise to be predicted and the abnormal bill transaction prediction model; wherein the abnormal bill transaction prediction model is obtained after training based on the bill business risk prediction sample data and the predetermined risk label. However, this system is only used to predict the risk size of the bill business, and cannot identify the fraud contained in the bill discounting behavior, and cannot effectively protect the bill discounting behavior. Summary of the invention

[0005] The purpose of the present invention is to propose a bill discount anti-fraud system supported by blockchain technology in response to the existing deficiencies.

[0006] The present invention adopts the following technical solution:

[0007] A bill discount anti-fraud system supported by blockchain technology, comprising a blockchain infrastructure module, an identity authentication authorization module, a bill verification and tracking module, and a transaction monitoring fraud detection module;

[0008] The blockchain infrastructure module is used to provide blockchain technology support to store key information, the identity authentication and authorization module is used to authenticate and grant permissions to the participants of the bill discount, the bill verification and tracking module is used to verify the authenticity of the bill and track the transfer route, and the transaction monitoring and fraud detection module is used to monitor the bill discount process and perform fraud detection;

[0009] The blockchain infrastructure module includes a block recording unit and a smart contract unit. The block recording unit is used to record bill information and transaction information, and the smart contract unit is used to automatically execute built-in clauses to control and manage the recording of information;

[0010] The identity authentication and authorization module includes a digital identity authentication unit and a rights management unit, wherein the digital identity authentication unit is used to create and verify the digital identity of each user, and the authorization management unit is used to classify the digital identity and grant different rights;

[0011] The bill verification and tracking module includes a bill verification unit and a bill tracking unit, wherein the bill verification unit is used to verify the authenticity of the bill and the bill tracking unit is used to track the life cycle of the bill;

[0012] The transaction monitoring fraud detection module includes a transaction input unit, a monitoring execution unit and an intelligent detection unit. The transaction input unit is used to input information of both parties to the transaction and information of the bill. The monitoring execution unit is used to execute the transaction process and monitor the process. The intelligent detection unit is used to detect fraud in the transaction behavior.

[0013] Furthermore, the monitoring execution unit includes a process control processor, a monitoring error reporting processor and a transaction execution processor, wherein the process control processor is used to control the process progress before the transaction and to exchange information with other modules, the monitoring error reporting processor is used to report an error and terminate the transaction when a fraudulent behavior is detected, and the transaction execution processor is used to calculate and process the fund transfer in the transaction;

[0014] Furthermore, the intelligent detection unit includes an information collection processor, an information sorting processor and a fraud detection processor, wherein the information collection processor is used to obtain discount transaction information related to both parties to the transaction from the blockchain infrastructure module, the information sorting processor is used to sort and count the collected information, and the fraud detection processor analyzes and judges the fraudulent behavior based on the sorting result;

[0015] Furthermore, the process of the system processing the bill discounting behavior includes the following steps:

[0016] S1. Inputting transaction information through the transaction input unit;

[0017] S2, the monitoring execution unit sends the identity information to the identity authentication authorization module;

[0018] S3, the digital identity authentication unit verifies the identity, and the authorization management unit confirms the authority to confirm that there is no fraud;

[0019] S4, the monitoring execution unit sends the ticket information to the ticket verification and tracking module;

[0020] S5, the bill verification unit verifies the authenticity of the bill, and the bill tracking unit tracks the cycle process of the bill to confirm that there is no fraud;

[0021] S6. The intelligent detection unit analyzes the historical transaction behaviors of the transaction parties to confirm that there is no fraudulent behavior;

[0022] S7, the monitoring execution unit executes the transaction behavior and sends the transaction information to the smart contract unit;

[0023] S8. The smart contract unit records the transaction information in the block recording unit through built-in terms;

[0024] Furthermore, the process of the information sorting processor sorting the information includes the following steps:

[0025] S21. Set the window length, move the window and count the number of transactions within the window, represented by {n1(i)} and {n2(i)}. The two adjacent windows are seamlessly connected in time, where n1(i) represents the number of transactions of the bill seller in the i-th window, and n2(i) represents the number of transactions of the bill buyer in the i-th window.

[0026] S22. Count the number of transactions of each order in all windows, represented by {m1(i)} and {m2(i)}, where m1(i) represents the number of i-order transactions among bill sellers, and m2(i) represents the number of i-order transactions among bill buyers. The i-order transaction refers to the i-th discount transaction occurring after the bill is issued.

[0027] S23. Calculate the remaining time of each transaction and use {T1(i)} and {T2(i)} to represent it. The remaining time refers to the time interval between the discount transaction time and the bill maturity time, where T1(i) represents the remaining time of the i-th transaction of the bill seller, and T2(i) represents the remaining time of the i-th transaction of the bill buyer.

[0028] The beneficial effects achieved by the present invention are:

[0029] This system uses blockchain technology to record bill information and discount information, and can effectively identify discount frauds such as bill counterfeiting and identity fraud. In addition, by analyzing the historical discount behaviors of both parties to the transaction, it can identify frauds based on real discounting methods and provide all-round protection for bill discounting.

[0030] To further understand the features and technical contents of the present invention, please refer to the following detailed description and drawings of the present invention. However, the drawings provided are only for reference and description and are not intended to limit the present invention. BRIEF DESCRIPTION OF THE DRAWINGS

[0031] Figure 1 It is a schematic diagram of the overall structural framework of the present invention;

[0032] Figure 2 This is a schematic diagram of the bill verification and tracking module of the present invention;

[0033] Figure 3 This is a schematic diagram of the transaction monitoring fraud detection module of the present invention;

[0034] Figure 4 It is a schematic diagram of the monitoring execution unit of the present invention;

[0035] Figure 5 This is a schematic diagram of the intelligent detection unit of the present invention. DETAILED DESCRIPTION

[0036] The following is an explanation of the embodiments of the present invention through specific embodiments. Those skilled in the art can understand the advantages and effects of the present invention from the contents disclosed in this specification. The present invention can be implemented or applied through other different specific embodiments, and the details in this specification can also be modified and changed in various ways based on different viewpoints and applications without departing from the spirit of the present invention. In addition, the drawings of the present invention are only simple schematic illustrations and are not depicted according to actual sizes. It is stated in advance. The following embodiments will further explain the relevant technical contents of the present invention in detail, but the disclosed contents are not intended to limit the scope of protection of the present invention.

[0037] Embodiment 1.

[0038] This embodiment provides a bill discount anti-fraud system supported by blockchain technology, combined with Figure 1 , including blockchain infrastructure module, identity authentication and authorization module, ticket verification and tracking module, and transaction monitoring and fraud detection module;

[0039] The blockchain infrastructure module is used to provide blockchain technology support to store key information, the identity authentication and authorization module is used to authenticate and grant permissions to the participants of the bill discount, the bill verification and tracking module is used to verify the authenticity of the bill and track the transfer route, and the transaction monitoring and fraud detection module is used to monitor the bill discount process and perform fraud detection;

[0040] The blockchain infrastructure module includes a block recording unit and a smart contract unit. The block recording unit is used to record bill information and transaction information, and the smart contract unit is used to automatically execute built-in clauses to control and manage the recording of information;

[0041] The identity authentication and authorization module includes a digital identity authentication unit and a rights management unit, wherein the digital identity authentication unit is used to create and verify the digital identity of each user, and the authorization management unit is used to classify the digital identity and grant different rights;

[0042] The bill verification and tracking module includes a bill verification unit and a bill tracking unit, wherein the bill verification unit is used to verify the authenticity of the bill and the bill tracking unit is used to track the life cycle of the bill;

[0043] The transaction monitoring fraud detection module includes a transaction input unit, a monitoring execution unit and an intelligent detection unit. The transaction input unit is used to input information of both parties to the transaction and information of the bill. The monitoring execution unit is used to execute the transaction process and monitor the process. The intelligent detection unit is used to detect fraud in the transaction behavior.

[0044] The monitoring execution unit includes a process control processor, a monitoring error reporting processor and a transaction execution processor. The process control processor is used to control the process progress before the transaction and exchange information with other modules. The monitoring error reporting processor is used to report an error and terminate the transaction when a fraudulent behavior is detected. The transaction execution processor is used to calculate and process the fund transfer in the transaction.

[0045] The intelligent detection unit includes an information collection processor, an information sorting processor and a fraud detection processor. The information collection processor is used to obtain discount transaction information related to both parties of the transaction from the blockchain infrastructure module. The information sorting processor is used to sort and count the collected information. The fraud detection processor analyzes and judges fraudulent behavior based on the sorting results.

[0046] The process of the system processing the bill discount behavior includes the following steps:

[0047] S1. Inputting transaction information through the transaction input unit;

[0048] S2, the monitoring execution unit sends the identity information to the identity authentication authorization module;

[0049] S3, the digital identity authentication unit verifies the identity, and the authorization management unit confirms the authority to confirm that there is no fraud;

[0050] S4, the monitoring execution unit sends the ticket information to the ticket verification and tracking module;

[0051] S5, the bill verification unit verifies the authenticity of the bill, and the bill tracking unit tracks the cycle process of the bill to confirm that there is no fraud;

[0052] S6. The intelligent detection unit analyzes the historical transaction behaviors of the transaction parties to confirm that there is no fraudulent behavior;

[0053] S7, the monitoring execution unit executes the transaction behavior and sends the transaction information to the smart contract unit;

[0054] S8. The smart contract unit records the transaction information in the block recording unit through built-in terms;

[0055] The process of the information sorting processor sorting information includes the following steps:

[0056] S21. Set the window length, move the window and count the number of transactions within the window, represented by {n1(i)} and {n2(i)}. The two adjacent windows are seamlessly connected in time, where n1(i) represents the number of transactions of the bill seller in the i-th window, and n2(i) represents the number of transactions of the bill buyer in the i-th window.

[0057] S22. Count the number of transactions of each order in all windows, represented by {m1(i)} and {m2(i)}, where m1(i) represents the number of i-order transactions among bill sellers, and m2(i) represents the number of i-order transactions among bill buyers. The i-order transaction refers to the i-th discount transaction occurring after the bill is issued.

[0058] S23. Calculate the remaining time of each transaction and use {T1(i)} and {T2(i)} to represent it. The remaining time refers to the time interval between the discount transaction time and the bill maturity time, where T1(i) represents the remaining time of the i-th transaction of the bill seller, and T2(i) represents the remaining time of the i-th transaction of the bill buyer.

[0059] Embodiment 2.

[0060] This embodiment includes all the contents of the first embodiment, and provides a bill discount anti-fraud system supported by blockchain technology, including a blockchain infrastructure module, an identity authentication authorization module, a bill verification and tracking module, and a transaction monitoring fraud detection module;

[0061] The blockchain infrastructure module is used to provide blockchain technology support to store key information, the identity authentication and authorization module is used to authenticate and grant permissions to the participants of the bill discount, the bill verification and tracking module is used to verify the authenticity of the bill and track the transfer route, and the transaction monitoring and fraud detection module is used to monitor the bill discount process and perform fraud detection;

[0062] The blockchain infrastructure module includes a block recording unit and a smart contract unit. The block recording unit is used to record bill information and transaction information, and the smart contract unit is used to automatically execute built-in clauses to control and manage the recording of information;

[0063] The identity authentication and authorization module includes a digital identity authentication unit and a rights management unit, wherein the digital identity authentication unit is used to create and verify the digital identity of each user, and the authorization management unit is used to classify the digital identity and grant different rights;

[0064] Combination Figure 2 The bill verification and tracking module includes a bill verification unit and a bill tracking unit, wherein the bill verification unit is used to verify the authenticity of the bill, and the bill tracking unit is used to track the life cycle of the bill;

[0065] Combination Figure 3 The transaction monitoring fraud detection module includes a transaction input unit, a monitoring execution unit and an intelligent detection unit. The transaction input unit is used to input information of both parties to the transaction and information of the bill. The monitoring execution unit is used to execute the transaction process and monitor the process. The intelligent detection unit is used to detect fraud on the transaction behavior.

[0066] The process of the system processing the bill discount behavior includes the following steps:

[0067] S1. Inputting transaction information through the transaction input unit;

[0068] S2, the monitoring execution unit sends the identity information to the identity authentication authorization module;

[0069] S3, the digital identity authentication unit verifies the identity, and the authorization management unit confirms the authority to confirm that there is no fraud;

[0070] S4, the monitoring execution unit sends the ticket information to the ticket verification and tracking module;

[0071] S5, the bill verification unit verifies the authenticity of the bill, and the bill tracking unit tracks the cycle process of the bill to confirm that there is no fraud;

[0072] S6. The intelligent detection unit analyzes the historical transaction behaviors of the transaction parties to confirm that there is no fraudulent behavior;

[0073] S7, the monitoring execution unit executes the transaction behavior and sends the transaction information to the smart contract unit;

[0074] S8. The smart contract unit records the transaction information in the block recording unit through built-in terms;

[0075] The block recording unit includes a bill recording processor and a transaction recording processor, wherein the bill recording processor records bill information through blockchain technology, and the transaction recording processor records transaction information through blockchain technology;

[0076] The smart contract unit includes a treaty information register, a trigger detection processor, and a record execution processor, wherein the treaty information register is used to store the clause information, the trigger detection processor is used to detect the triggering of the clause, and the record execution processor executes the corresponding information record based on the triggered clause information;

[0077] The digital identity authentication unit includes an identity creation processor and an identity authentication processor, wherein the identity creation processor creates a digital identity based on user information, and the identity authentication processor is used to authenticate the digital identity information;

[0078] The authority management unit includes an identity classification processor and an authority setting processor, wherein the identity classification processor is used to classify the digital identity into at least two categories, and the authority setting processor is used to set corresponding authority for each category;

[0079] The bill verification unit includes a hash calculation processor and a proofreading and verification processor, wherein the hash calculation processor is used to calculate the hash value of the bill to be verified, and the proofreading and verification processor is used to obtain multiple hash values ​​from the bill record processor and compare and verify them one by one with the calculated hash values;

[0080] The bill tracking unit includes a bill transaction retrieval processor and a cycle analysis processor. The bill transaction retrieval processor retrieves all transaction information containing the hash value from the transaction record processor based on the bill hash value, and the cycle analysis processor determines the cycle stage of the bill based on all transaction information;

[0081] The bill cycle stages include issuance, discounting and payment, among which issuance and payment can only occur once for a bill, while discounting can occur more than once for a bill;

[0082] The transaction input unit includes a text input processor and a bill scanning processor, wherein the text input processor is used to directly input the identity information of both parties of the transaction in text form, and the bill scanning processor is used to scan the bill to obtain the content information of the bill;

[0083] Combination Figure 4 The monitoring execution unit includes a process control processor, a monitoring error reporting processor and a transaction execution processor. The process control processor is used to control the process progress before the transaction and exchange information with other modules. The monitoring error reporting processor is used to report an error and terminate the transaction when a fraudulent behavior is detected. The transaction execution processor is used to calculate and process the fund transfer in the transaction;

[0084] Combination Figure 5 The intelligent detection unit includes an information collection processor, an information sorting processor and a fraud detection processor. The information collection processor is used to obtain discount transaction information related to both parties of the transaction from the blockchain infrastructure module. The information sorting processor is used to sort and count the collected information. The fraud detection processor analyzes and judges the fraudulent behavior based on the sorting results.

[0085] The process of the information sorting processor sorting information includes the following steps:

[0086] S21. Set the window length, move the window and count the number of transactions within the window, represented by {n1(i)} and {n2(i)}. The two adjacent windows are seamlessly connected in time, where n1(i) represents the number of transactions of the bill seller in the i-th window, and n2(i) represents the number of transactions of the bill buyer in the i-th window.

[0087] S22. Count the number of transactions of each order in all windows, represented by {m1(i)} and {m2(i)}, where m1(i) represents the number of i-order transactions among bill sellers, and m2(i) represents the number of i-order transactions among bill buyers. The i-order transaction refers to the i-th discount transaction occurring after the bill is issued.

[0088] S23. Calculate the remaining time of each transaction, represented by {T1(i)} and {T2(i)}. The remaining time refers to the time interval between the discount transaction time and the bill maturity time, where T1(i) represents the remaining time of the i-th transaction of the bill seller, and T2(i) represents the remaining time of the i-th transaction of the bill buyer;

[0089] The fraud detection processor performs detection and analysis on the bill seller and the bill buyer respectively;

[0090] The process of the fraud detection processor performing detection analysis includes the following steps:

[0091] S31. Obtain data of one of the parties to the transaction, represented by {n(i)}, {m(i)} and {T(i)};

[0092] S32. Calculate the mean of {n(i)} and standard deviation δn;

[0093] S33. Calculate the class index P according to the following formula:

[0094]

[0095] S34. Calculate the mean of {T(i)} and standard deviation δT;

[0096] S35. Calculate the fraud index Q according to the following formula:

[0097]

[0098] Where k is the adjustment coefficient, j is the current transaction order, t is the interval between the current transaction and the last transaction, t0 is the window length, and T is the remaining time of the current transaction;

[0099] When the fraud index of one of the bill seller and the bill buyer is greater than the threshold, the transaction is judged to involve fraud;

[0100] The i appearing in the above text is an ordinal number used to indicate a sequence number.

[0101] The contents disclosed above are only preferred feasible embodiments of the present invention, and do not limit the protection scope of the present invention. Therefore, all equivalent technical changes made using the contents of the present invention specification and drawings are included in the protection scope of the present invention. In addition, the elements therein can be updated as technology develops.

Claims

1. A bill discount anti-fraud system supported by blockchain technology, characterized in that: It includes blockchain infrastructure module, identity authentication and authorization module, bill verification and tracking module, and transaction monitoring and fraud detection module; The blockchain infrastructure module is used to provide blockchain technology support to store key information, the identity authentication and authorization module is used to authenticate and grant permissions to the participants of the bill discount, the bill verification and tracking module is used to verify the authenticity of the bill and track the transfer route, and the transaction monitoring and fraud detection module is used to monitor the bill discount process and perform fraud detection; The blockchain infrastructure module includes a block recording unit and a smart contract unit. The block recording unit is used to record bill information and transaction information, and the smart contract unit is used to automatically execute built-in clauses to control and manage the recording of information; The identity authentication and authorization module includes a digital identity authentication unit and a rights management unit, wherein the digital identity authentication unit is used to create and verify the digital identity of each user, and the rights management unit is used to classify the digital identity and grant different rights; The bill verification and tracking module includes a bill verification unit and a bill tracking unit, wherein the bill verification unit is used to verify the authenticity of the bill and the bill tracking unit is used to track the life cycle of the bill; The transaction monitoring fraud detection module includes a transaction input unit, a monitoring execution unit and an intelligent detection unit. The transaction input unit is used to input information of both parties to the transaction and information of the bill. The monitoring execution unit is used to execute the transaction process and monitor the process. The intelligent detection unit is used to detect fraud in the transaction behavior. The intelligent detection unit includes an information collection processor, an information sorting processor and a fraud detection processor. The information collection processor is used to obtain discount transaction information related to both parties of the transaction from the blockchain infrastructure module. The information sorting processor is used to sort and count the collected information. The fraud detection processor analyzes and judges fraudulent behavior based on the sorting results. The process of the fraud detection processor performing detection analysis includes the following steps: S31. Obtain the data of one of the parties in the transaction, which is the number of transactions in the i-th window. 、Number of transactions at level i and the remaining time of the i-th transaction ; S32, calculate The mean and standard deviation ; S33. Calculate the class index P according to the following formula: ； S34, calculate The mean and standard deviation ; S35. Calculate the fraud index Q according to the following formula: ； Among them, k is the adjustment coefficient, j is the current transaction order, and t is the interval between the current transaction and the last transaction. is the window length, T is the remaining time of the current transaction; When the fraud index of one of the bill seller and the bill buyer is greater than the threshold, it is determined that the transaction involves fraud.

2. A bill discount anti-fraud system supported by blockchain technology as claimed in claim 1, characterized in that: The monitoring execution unit includes a process control processor, a monitoring error processor and a transaction execution processor. The process control processor is used to control the process progress before the transaction and exchange information with other modules. The monitoring error processor is used to report an error and terminate the transaction when fraud is detected. The transaction execution processor is used to calculate and process the fund transfer in the transaction.

3. A bill discount anti-fraud system supported by blockchain technology as claimed in claim 2, characterized in that: The process of the system processing the bill discount behavior includes the following steps: S1. Inputting transaction information through the transaction input unit; S2, the monitoring execution unit sends the identity information to the identity authentication authorization module; S3, the digital identity authentication unit verifies the identity, and the authority management unit confirms the authority to confirm that there is no fraud; S4, the monitoring execution unit sends the ticket information to the ticket verification and tracking module; S5, the bill verification unit verifies the authenticity of the bill, and the bill tracking unit tracks the bill cycle process to confirm that there is no fraud; S6. The intelligent detection unit analyzes the historical transaction behaviors of both parties to the transaction to confirm that there is no fraudulent behavior; S7, the monitoring execution unit executes the transaction behavior and sends the transaction information to the smart contract unit; S8. The smart contract unit records the transaction information in the block recording unit through built-in terms.

4. A bill discount anti-fraud system supported by blockchain technology as claimed in claim 3, characterized in that: The process of the information sorting processor sorting information includes the following steps: S21, set the window length, move the window and count the number of transactions within the window, use and Indicates that two adjacent windows are seamlessly connected in time, where represents the number of transactions of the bill seller in the i-th window, represents the number of transactions of the bill buyer in the i-th window; S22. Count the number of transactions of each order in all windows, and use and It indicates that, represents the number of i-th order transactions among bill sellers, It represents the number of i-th order transactions among bill buyers, where i-th order transaction refers to the i-th discount transaction that occurs after the bill is issued; S23, calculate the remaining time of each transaction, and use and The remaining time refers to the time interval between the discount transaction time and the bill maturity time, where represents the remaining time of the i-th transaction of the bill seller, Represents the remaining time of the i-th transaction of the bill buyer.

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