Supply chain financial transaction risk control method and device based on block chain storage and medium

Abstract

The invention relates to the technical field of block chains, and discloses a supply chain financial transaction risk control method and device based on block chain storage, and a medium, and the method comprises the steps: extracting first transaction key data of a transaction debtor, and extracting second transaction key data of a transaction creditor; encrypting the first transaction key data and the second transaction key data; when a financing transaction account checking demand is triggered, performing identity authentication on a transaction identity corresponding to a transaction debt party and a transaction identity corresponding to a transaction creditor party; extracting encrypted first transaction key data and second transaction key data stored in the block chain; marking transaction difference data in the encrypted first transaction key data and the encrypted second transaction key data extracted in the floating time period; and generating a transaction risk control measure of the supply chain financial financing transaction according to the transaction difference data, and performing risk control on the supply chain financial financing transaction according to the transaction risk control measure. According to the invention, the security of financial transactions can be improved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology, and in particular to a supply chain financial transaction risk control method, device and medium based on blockchain storage. Background Art

[0002] With the rapid development of supply chain finance, there will be a large number of supply chain finance order financing businesses between many enterprises. However, since the source of order financing data does not have encryption reinforcement measures such as electronic signatures to ensure that it is not tampered with, and the order data is updated and changed, relevant means are needed to ensure that transaction risk control is controllable.

[0003] The existing supply chain finance transaction risk control technology is to conduct risk analysis on the supply chain finance order financing business based on historical data and real-time data, so as to achieve the transaction risk control of supply chain finance. In the existing technology, it only depends on the quality of historical data and real-time data. If the data is incomplete, inaccurate or erroneous, the risk control analysis results may be distorted, thus reducing the security of financial transactions. Summary of the invention

[0004] The present invention provides a supply chain financial transaction risk control method, device and medium based on blockchain storage, the main purpose of which is to solve the problem of low security when conducting financial transactions.

[0005] To achieve the above purpose, the present invention provides a supply chain financial transaction risk control method based on blockchain storage, comprising:

[0006] Extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and extracting the second transaction key data of the transaction creditor;

[0007] Encrypting the first transaction key data and the second transaction key data respectively, and storing the encrypted first transaction key data and the encrypted second transaction key data in the blockchain;

[0008] When the financing transaction reconciliation requirement is triggered, the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor are authenticated;

[0009] When the identity authentication of both parties to the transaction is passed, the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period are extracted;

[0010] Marking transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within a preset floating time period;

[0011] Generate transaction risk control measures for supply chain financial financing transactions based on the transaction difference data, and perform risk control on supply chain financial financing transactions based on the transaction risk control measures.

[0012] Optionally, extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods includes:

[0013] Extracting time intervals corresponding to different time periods, and determining data refresh time corresponding to the first transaction key data according to the time intervals;

[0014] Identify the order financing business data corresponding to the transaction debtor in the financial order financing business data according to the transaction debtor's transaction identifier;

[0015] Extracting the order identification number corresponding to the order financing business data, and querying the transaction data field corresponding to the order financing business data according to the order identification number through a preset query statement;

[0016] Extracting the first transaction key data of the transaction debtor according to the transaction data field;

[0017] The first transaction key data is updated according to the data refresh time to obtain the first transaction key data corresponding to the transaction debtor in different time periods.

[0018] Optionally, encrypting the first transaction key data includes:

[0019] Unifying the data types corresponding to the first transaction key data;

[0020] Generate a transaction data sequence from the first transaction key data after the data type is unified;

[0021] Each transaction key data in the transaction data sequence is encrypted using the public key in the pre-generated key pair to obtain a transaction data encryption sequence.

[0022] Optionally, the step of authenticating the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor includes:

[0023] Verify the identity information of the transaction identity corresponding to the transaction debtor;

[0024] When the identity information of the transaction debtor is verified, a key pair corresponding to the transaction debtor is generated;

[0025] The private key of the certificate applicant is used to digitally sign the identity information of the transaction debtor and the public key in the key pair to obtain the digital certificate corresponding to the transaction debtor;

[0026] Verifying the digital signature in the digital certificate using the public key of the certificate applicant;

[0027] When the digital signature is verified, the public key in the digital certificate is used to encrypt the identity information of the transaction identity corresponding to the bond transaction party;

[0028] Send the encrypted identity information to the transaction debtor, and decrypt the encrypted identity information using the private key corresponding to the transaction debtor;

[0029] The identities of both parties to the transaction are authenticated based on the identity information of the transaction identity corresponding to the transaction creditor and the decrypted identity information.

[0030] Optionally, extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain within a preset floating time period includes:

[0031] When receiving a transaction data update request, determining, according to the transaction identifier of the transaction debtor, that the update data corresponding to the transaction data update request is the first transaction key data and the second transaction key data;

[0032] When receiving a data storage request, determining, according to a transaction identifier of the transaction debtor, that the storage data corresponding to the data storage request is the updated first transaction key data and the second transaction key data;

[0033] Determine the start time of the floating time period according to the request time corresponding to the data storage request;

[0034] When receiving a target data storage request, detecting whether the target data storage request is consistent with request parameters of the data storage request;

[0035] When the request parameters are inconsistent, extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the start time;

[0036] When the request parameters are consistent, the request time corresponding to the target data storage request is used as the end time of the floating time period, and the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the end time are extracted.

[0037] Optionally, the marking of the transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within the preset floating time period includes:

[0038] Decrypting the encrypted first transaction key data and the encrypted second transaction key data respectively to obtain the first transaction key data and the second transaction key data;

[0039] extracting a first transaction field of the first transaction key data, and extracting a second transaction field corresponding to the second transaction key data;

[0040] Comparing the first transaction field with the field data corresponding to the second transaction field;

[0041] When the compared field data are inconsistent, the field data are marked as transaction difference data.

[0042] Optionally, generating transaction risk control measures for supply chain financial financing transactions based on the transaction difference data includes:

[0043] Identify key risk points of supply chain finance financing transactions based on the transaction difference data;

[0044] Generate risk monitoring indicators for supply chain finance transactions based on the key risk points;

[0045] Generate transaction risk types of supply chain finance financing transactions through the risk monitoring indicators;

[0046] Generate transaction risk control measures for supply chain financial financing transactions according to the transaction risk types.

[0047] Optionally, performing risk control on supply chain financial financing transactions according to the transaction risk control measures includes:

[0048] Determine the transaction risk level of the supply chain financial financing transaction through the risk monitoring indicators and the preset risk control warning indicators;

[0049] Extracting transaction risk control actions from the transaction risk control measures according to the transaction risk level;

[0050] Conduct risk control on supply chain finance financing transactions in accordance with the transaction risk control actions described.

[0051] In order to solve the above problem, the present invention further provides an electronic device, the electronic device comprising:

[0052] at least one processor; and,

[0053] a memory communicatively connected to the at least one processor; wherein,

[0054] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the above-mentioned supply chain financial transaction risk control method based on blockchain storage.

[0055] In order to solve the above problems, the present invention also provides a computer-readable storage medium, in which at least one computer program is stored. The at least one computer program is executed by a processor in an electronic device to implement the above-mentioned supply chain financial transaction risk control method based on blockchain storage.

[0056] The embodiments of the present invention can ensure data security and prevent data leakage and tampering by encrypting key transaction data stored in the blockchain; can ensure the legal identity of both parties to the transaction through identity authentication and reduce the risk of identity fraud; and can more accurately respond to transaction risks in different situations by comparing transaction difference data to generate transaction risk control measures, improve the efficiency of transaction risk management, and effectively reduce transaction risks. Therefore, the supply chain financial transaction risk control method, device and medium based on blockchain storage proposed by the present invention can solve the problem of low security when conducting financial transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] Figure 1 A schematic diagram of a process flow of a supply chain financial transaction risk control method based on blockchain storage provided by an embodiment of the present invention;

[0058] Figure 2 A schematic diagram of a process for encrypting key transaction data provided by an embodiment of the present invention;

[0059] Figure 3 A schematic diagram of a process for extracting transaction difference data provided by an embodiment of the present invention;

[0060] Figure 4 A schematic diagram of the structure of an electronic device for implementing the supply chain financial transaction risk control method based on blockchain storage provided in one embodiment of the present invention.

[0061] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0062] It should be understood that the specific embodiments described herein are only used to explain the present invention, and are not used to limit the present invention.

[0063] The embodiment of the present application provides a supply chain financial transaction risk control method based on blockchain storage. The execution subject of the supply chain financial transaction risk control method based on blockchain storage includes but is not limited to at least one of the electronic devices such as a server, a terminal, etc. that can be configured to execute the method provided by the embodiment of the present application. In other words, the supply chain financial transaction risk control method based on blockchain storage can be executed by software or hardware installed on a terminal device or a server device, and the software can be a blockchain platform. The server includes but is not limited to: a single server, a server cluster, a cloud server or a cloud server cluster, etc. The server can be an independent server, or it can be a cloud server that provides basic cloud computing services such as cloud services, cloud databases, cloud computing, cloud functions, cloud storage, network services, cloud communications, middleware services, domain name services, security services, content delivery networks (Content Delivery Network, CDN), and big data and artificial intelligence platforms.

[0064] Reference Figure 1 As shown, it is a flow chart of a supply chain financial transaction risk control method based on blockchain storage provided by an embodiment of the present invention. In this embodiment, the supply chain financial transaction risk control method based on blockchain storage includes:

[0065] S1. Extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and extracting the second transaction key data of the transaction creditor.

[0066] In an embodiment of the present invention, the first transaction key data refers to the transaction date, transaction amount, transaction type (such as purchase, sale, transfer, etc.), transaction currency type, counterparty information (such as counterparty name, company name, etc.), and transaction status (such as completed, pending, etc.) of the transaction bond party, and the financial order financing business data refers to various data related to the order financing business, such as order information, transaction information, supply chain information, capital flow information, etc.

[0067] In the embodiment of the present invention, the first key transaction data of the transaction debtor is extracted from the financial order financing business data pre-acquired in different time periods, including:

[0068] Extracting time intervals corresponding to different time periods, and determining a data refresh time corresponding to the first transaction key data according to the time intervals;

[0069] Identify the order financing business data corresponding to the transaction debtor in the financial order financing business data according to the transaction debtor's transaction identifier;

[0070] Extracting the order identification number corresponding to the order financing business data, and querying the transaction data field corresponding to the order financing business data according to the order identification number through a preset query statement;

[0071] Extracting the first transaction key data of the transaction debtor according to the transaction data field;

[0072] The first transaction key data is updated according to the data refresh time to obtain the first transaction key data corresponding to the transaction debtor in different time periods.

[0073] In detail, based on different time intervals, such as daily, weekly, etc., at the end of each time period, the data refresh time corresponding to the first transaction key data is determined. If the time interval is daily, the data refresh time may be at the end of each day. Then, according to the transaction identifier of the transaction debtor, it is identified which data in the financial order financing business data belongs to the order financing business data corresponding to the transaction debtor, that is, the order financing business data associated with the transaction identifier is retrieved from the database, the constructed query statement is executed, the data is retrieved from the database, and the order financing business data set related to the transaction identifier is returned.

[0074] Specifically, extract the order identification number related to the transaction debtor from the order financing business data, and query the transaction data field corresponding to the order financing business data according to the order identification number through a query statement. For example, if the order financing business data is the orders table, and the transaction data of the order is the transactions table, then the query statement corresponding to the query transaction data field is configured as SELECT transactions.transaction_id,transactions.amount,transactions.transaction_date; FROM transactions JOIN orders ON transactions.order_id=orders.order_id; WHERE orders.order_id = 'your_order_id_here'; that is, the transactions table is connected to the orders table through the order identification number (order_id), and the transaction data fields (transaction_id, amount, transaction_date) are selected. Then, the specific order identification number is specified for filtering through the WHERE clause. According to the required transaction data fields, the first transaction key data of the transaction debtor is extracted, including amount, time, transaction type and other information. According to the data refresh time, the extracted first transaction key data is updated to ensure the accuracy and timeliness of the data in different time periods. According to the set time interval, the first transaction key data corresponding to the transaction debtor in different time periods is obtained. For example, the first transaction key data corresponding to time t1 is A, the first transaction key data corresponding to time t2 is B, and the first transaction key data corresponding to time t3 is C. The first transaction key data refers to the transaction data of the transaction debtor at different times.

[0075] Furthermore, the step of extracting the second transaction key data of the transaction creditor is consistent with the step of extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and will not be repeated here. The second transaction key data refers to the transaction data of the transaction creditor at different times, including the transaction date, transaction amount, transaction type (such as purchase, sale, transfer, etc.), transaction currency type, counterparty information (such as counterparty name, company name, etc.), and transaction status (such as completed, pending, etc.).

[0076] Furthermore, based on the extracted first transaction key data and second transaction key data, it is necessary to ensure the security and availability of the data through perfect encryption and storage means, so the transaction data needs to be encrypted and stored on the blockchain.

[0077] S2. Encrypt the first transaction key data and the second transaction key data respectively, and store the encrypted first transaction key data and the encrypted second transaction key data in the blockchain.

[0078] In an embodiment of the present invention, encrypting the first transaction key data and the second transaction key data can ensure that sensitive transaction data can only be accessed by authorized users, thereby protecting personal privacy and data security. By encrypting the transaction key data, the enterprise can show its customers and partners its emphasis on data security, thereby enhancing trust.

[0079] In the embodiment of the present invention, refer to Figure 2 As shown, the encrypting the first transaction key data includes:

[0080] S21, unifying the data types corresponding to the first transaction key data;

[0081] S22, generating a transaction data sequence from the first transaction key data after the data type is unified;

[0082] S23. Use the public key in the pre-generated key pair to encrypt each transaction key data in the transaction data sequence to obtain a transaction data encryption sequence.

[0083] In detail, the data types corresponding to the first transaction key data are unified, that is, different types of data are converted into the same format. For example, if the first transaction key data includes transaction date, transaction amount, transaction type, transaction currency type, counterparty information, and transaction status, all data types are converted into a unified character type, and the first transaction key data after the data type is unified constitutes a transaction data sequence. The transaction data sequence contains the processed transaction key data. For example, if the first transaction key data after the data type is unified includes A, B, C, D, the transaction data sequence is {A, B, C, D}, and then each transaction data in the generated transaction data sequence is encrypted.

[0084] Specifically, an asymmetric encryption algorithm (RSA) is used to generate a key pair (public key and private key). The RSA algorithm decomposes a large prime number into the product of two prime numbers, and then generates a pair of RSA keys, including a public key and a private key. The public key is used to encrypt data, and the private key is used to decrypt data. The public key can be made public to others for use, while the private key needs to be properly kept and only the data owner can access it. Therefore, each transaction key data in the transaction data sequence is encrypted using the generated public key to obtain an encrypted transaction data sequence, that is, a transaction data encryption sequence.

[0085] Furthermore, the key transaction data in the encrypted transaction data sequence is packaged to create a transaction record, and the packaged transaction record is published to the blockchain network, and the transaction is sent to the nodes in the blockchain network for verification and packaging into blocks. Once the transaction is packaged into a block and confirmed on the blockchain, the transaction data will be permanently stored on the blockchain, and due to the characteristics of the blockchain, these data cannot be tampered with.

[0086] Furthermore, the transaction docking system of both parties will put key transaction data on the chain for evidence. Every time a financing transaction occurs or when reconciliation is actively triggered, the blockchain will use technology to perform access control and identity authentication on the acquisition and change of all data, and establish a security audit and monitoring mechanism for all operation processes.

[0087] S3. When the financing transaction reconciliation requirement is triggered, the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor are authenticated.

[0088] In the embodiment of the present invention, when the blockchain occurs each time a financing transaction occurs or actively triggers reconciliation, the transaction identities of both parties to the transaction will be authenticated, which can ensure that all parties involved in the transaction are legal and authentic entities, help prevent malicious fraud, and improve the security of transactions.

[0089] In the embodiment of the present invention, the step of authenticating the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor includes:

[0090] Verify the identity information of the transaction identity corresponding to the transaction debtor;

[0091] When the identity information of the transaction debtor is verified, a key pair corresponding to the transaction debtor is generated;

[0092] The private key of the certificate applicant is used to digitally sign the identity information of the transaction debtor and the public key in the key pair to obtain the digital certificate corresponding to the transaction debtor;

[0093] Verifying the digital signature in the digital certificate using the public key of the certificate applicant;

[0094] When the digital signature is verified, the public key in the digital certificate is used to encrypt the identity information of the transaction identity corresponding to the bond transaction party;

[0095] Send the encrypted identity information to the transaction debtor, and decrypt the encrypted identity information using the private key corresponding to the transaction debtor;

[0096] The identities of both parties to the transaction are authenticated based on the identity information of the transaction identity corresponding to the transaction creditor and the decrypted identity information.

[0097] In detail, the transaction debtor submits an application for a digital certificate to a certificate authority (CA). The application process may include filling in the identity information of an individual or organization, providing relevant supporting documents, etc. The CA verifies the identity of the transaction debtor, including checking the provided identity information and supporting documents to ensure that the identity of the transaction debtor is authentic and reliable. When the identity information of the transaction debtor is verified, the CA generates a pair of keys for the transaction debtor, namely a public key and a private key. The private key is used to sign the digital certificate, and the public key is included in the digital certificate for others to verify the identity; the CA uses its own private key to sign the public key and identity information of the transaction debtor to generate a digital certificate. This digital signature ensures the integrity and authenticity of the certificate. The CA gives the signed digital certificate to the transaction debtor, and the digital certificate contains the public key, identity information and digital signature of the CA of the transaction debtor. The transaction debtor can use the digital certificate for identity authentication. When other participants need to verify the identity of the transaction debtor, they can use the public key in the certificate for verification and trust the digital signature issued by the CA.

[0098] Specifically, a digital certificate includes the public key of the transaction debtor, which is used to encrypt communications or verify signatures. The public key is generated by the applicant and is usually included in the subject field of the digital certificate. The identity information is the identity information of the transaction debtor, such as name, email address, organizational unit, etc. The identity information is also included in the subject field of the digital certificate. The digital signature of the CA is obtained by the digital certificate authority (CA) using the private key to digitally sign the summary of the certificate. The verifier can use the public key of the CA to verify this signature to ensure the integrity and authenticity of the certificate. When the transaction creditor wants to verify the identity of the transaction debtor, it will first obtain the digital certificate of the transaction debtor, and verify the digital signature of the CA in the digital certificate with the obtained CA public key. When the digital signature verification is successful, the transaction debtor's identity information is encrypted using the public key of the transaction debtor, and the encrypted identity information is sent to the transaction debtor. The transaction debtor decrypts the identity information with its own private key and compares the decrypted identity information with the original identity information of the transaction creditor. When the identity information is consistent, the identity authentication of the transaction parties is successful, otherwise the verification fails.

[0099] Furthermore, when a financing transaction triggers a reconciliation requirement, the latest versions of the data stored on the blockchain by both parties to the transaction are compared, so that the most recent transaction data stored on the blockchain needs to be analyzed to ensure the accuracy of the reconciliation.

[0100] S4. When the identity authentication of both parties to the transaction is passed, the encrypted first transaction key data and the second transaction key data stored in the blockchain within a preset floating time period are extracted.

[0101] In an embodiment of the present invention, when the identity authentication of both parties to the transaction is passed, the corresponding reconciliation needs of both parties to the transaction can be responded to. However, if the order data is updated and changed, it is necessary to obtain the latest change data of the transaction data by both parties to the transaction to ensure the timeliness of the transaction data during the reconciliation process. The floating time period refers to a time period that can be flexibly changed or dynamically adjusted within a certain time range. This time period can change according to specific conditions or needs, rather than a fixed, static time period.

[0102] In the embodiment of the present invention, the step of extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period includes:

[0103] When receiving a transaction data update request, determining, according to the transaction identifier of the transaction debtor, that the update data corresponding to the transaction data update request is the first transaction key data and the second transaction key data;

[0104] When receiving a data storage request, determining, according to a transaction identifier of the transaction debtor, that the storage data corresponding to the data storage request is the updated first transaction key data and the second transaction key data;

[0105] Determine the start time of the floating time period according to the request time corresponding to the data storage request;

[0106] When receiving a target data storage request, detecting whether the target data storage request is consistent with request parameters of the data storage request;

[0107] When the request parameters are inconsistent, extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the start time;

[0108] When the request parameters are consistent, the request time corresponding to the target data storage request is used as the end time of the floating time period, and the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the end time are extracted.

[0109] In detail, the order financing data may be updated and changed. When a transaction data update and change request in the order financing data is received, it is determined whether the change is the order data corresponding to the transaction parties according to the transaction identifier. If the order data corresponding to the transaction parties needs to be changed, a request for data storage after the data change is received, and it is determined whether the stored data is the updated order data corresponding to the transaction parties according to the transaction identifier. For example, if the order data corresponding to the transaction parties is A, when a transaction data update request is received, it is determined whether the order data A is updated and whether the order data A is stored. If it is an update and whether the order data A is stored, the start time of the floating time period is determined according to the initiation time of the storage request of the order data A, and the end time of the floating time period is determined when the next storage request of the order data A is received. A floating time period is set so that its end time is associated with the occurrence time of a specific event. For example, when the balance of an account changes, the time point of the event is used as the end time, and a certain time is traced back as the start time.

[0110] Specifically, when a storage request for the next order data A is received, it will be detected whether the two storages are both storage requests for order data A. If they are storage requests for the same order data A, the first transaction key data and the second transaction key data in the order data A at the request time corresponding to the latest storage request will be extracted; if they are not storage requests for the same order data A, the first transaction key data and the second transaction key data in the order data A at the request time corresponding to the storage request corresponding to the current order data A will be extracted, until there is a storage request for the same order data A, indicating that there is a data change in order data A, then the first transaction key data and the second transaction key data in the latest order data A will be extracted based on the latest storage request, that is, as long as there is data stored on the blockchain, the storage time point will be used as the starting time of order data A, and the next storage time point will be used as the end time of order data A, thereby determining the floating time period, and the encrypted first transaction key data and the second transaction key data correspond to the floating time period.

[0111] Furthermore, since it is difficult to ensure whether the acquired transaction data has been tampered with before or during transmission, in order to ensure the accuracy and consistency of the transaction data and to ensure accountability in the event of legal disputes in the future, the transaction data of both parties will be stored on the blockchain and compared item by item.

[0112] S5. Mark the transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within the preset floating time period.

[0113] In an embodiment of the present invention, the transaction difference data refers to data that shows differences between two or more transactions or transaction data sets. Such differences may include various aspects, such as transaction amount, accounts involved, transaction time, etc. By comparing the plaintext field data of encrypted transaction key data, the differences between the two transactions can be found, such as inconsistent amounts or different transaction directions.

[0114] In the embodiment of the present invention, referring to Figure 3 As shown, the transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within the preset floating time period is marked, including:

[0115] S31, respectively decrypting the encrypted first transaction key data and the encrypted second transaction key data to obtain the first transaction key data and the second transaction key data;

[0116] S32, extracting a first transaction field of the first transaction key data, and extracting a second transaction field corresponding to the second transaction key data;

[0117] S33, comparing field data corresponding to the first transaction field and the second transaction field;

[0118] S34. When the compared field data are inconsistent, the field data are marked as transaction difference data.

[0119] In detail, the encrypted first transaction key data and the second transaction key data are decrypted using the private key in the key pair to obtain the first transaction key data and the second transaction key data in plain text, and the first transaction field of the first transaction key data and the second transaction field of the second transaction key data are queried through a query statement. For example, the first transaction field is the transaction date DATA, the transaction amount MONEY, the transaction type TRANSACTION_TYPE, the transaction currency type CURRENCY_TYPE, and the transaction status STATUS. Similarly, the second transaction field is the transaction date DATA, the transaction amount MONEY, the transaction type TRANSACTION_TYPE, the transaction currency type CURRENCY_TYPE, and the transaction status STATUS.

[0120] Specifically, the data corresponding to the same field are compared. When the field data after comparison is inconsistent, the field data is marked as transaction difference data. For example, in the first transaction key data, the transaction date is 2024-05-20, the transaction amount is 100.00, the transaction type is goods, the transaction currency type is RMB, and the transaction status is completed; in the second transaction key data, the transaction date is 2024-05-20, the transaction amount is 99.00, the transaction type is goods, the transaction currency type is RMB, and the transaction status is completed. Then, after comparison, it is found that the transaction amount field data is inconsistent, and the amount data corresponding to the transaction amount field is marked as transaction difference data.

[0121] Furthermore, by identifying and marking transaction discrepancy data, potential problems or anomalies can be discovered in a timely manner, which helps to reduce financial transaction risks. Early detection and handling of transaction discrepancies can prevent transaction errors or fraud that may result in losses. Therefore, transaction risk prevention measures can be generated for the marked transaction discrepancy data.

[0122] S6. Generate transaction risk control measures for the supply chain financial financing transaction based on the transaction difference data, and perform risk control on the supply chain financial financing transaction based on the transaction risk control measures.

[0123] In the embodiment of the present invention, the transaction risk control measures refer to the control and prevention measures taken against various risk factors that may exist in financial transactions, aiming to reduce the risk level of financial transactions and ensure the security and compliance of transactions.

[0124] In an embodiment of the present invention, the transaction risk control measures for supply chain financial financing transactions generated according to the transaction difference data include:

[0125] Identify key risk points of supply chain finance financing transactions based on the transaction difference data;

[0126] Generate risk monitoring indicators for supply chain finance transactions based on the key risk points;

[0127] Generate transaction risk types of supply chain finance financing transactions through the risk monitoring indicators;

[0128] Generate transaction risk control measures for supply chain financial financing transactions according to the transaction risk types.

[0129] In detail, by analyzing transaction difference data, we can identify key risk points that may exist in supply chain financial financing transactions, such as abnormal transaction amounts, inconsistent counterparty information, abnormal transaction status, etc. Then, based on the identified risk points, we can set key indicators for transaction monitoring, such as amount thresholds, frequency thresholds, abnormal regions, etc., to monitor and identify potential risk transactions.

[0130] Specifically, formulating corresponding response strategies and processing procedures for different types of risks is a key step in ensuring the security of supply chain financial financing transactions. For example, the transaction risk types included in different risk monitoring indicators are fraud risk, capital security risk, transaction violation risk, and market volatility risk. The transaction risk control measures corresponding to fraud risk are suspension of transactions: when suspected fraudulent transactions are discovered, relevant transactions are immediately suspended and the flow of funds is blocked; further investigation: in-depth investigation of suspected fraudulent transactions, evidence is collected and fraud is confirmed; notification of relevant parties: while the investigation is ongoing, relevant parties, including financial institutions, partners and regulators, are notified so as to jointly handle and take necessary measures; the transaction risk control measures corresponding to capital security risk are immediate freezing of funds: once it is discovered that the security of funds is threatened, the relevant accounts and funds are immediately frozen to prevent the loss from expanding; fund tracking: tracking and monitoring the flow of funds Control, determine the whereabouts of funds, and take measures to restore the security of funds as soon as possible; notify relevant parties: promptly notify relevant parties, including customers, regulators and custodians, and coordinate to solve the problem of fund security; the corresponding transaction risk control measures for transaction violation risks are suspension of transactions: immediately suspend relevant transactions when it is found that the transaction violates laws or regulations, and conduct further review; conduct internal investigations: conduct internal investigations on illegal transactions, determine the causes and responsible persons of the violations, and take corresponding corrective measures; report to relevant departments: report violations to relevant regulatory agencies or law enforcement departments, and cooperate in investigations and handling; the corresponding transaction risk control measures for market volatility risks are adjustment of trading strategies: timely adjust trading strategies in response to market fluctuations to reduce risk exposure; strengthen monitoring: improve the frequency and accuracy of monitoring of market fluctuations, and adjust risk control measures in a timely manner; communicate with customers: communicate with customers to jointly deal with the risks brought by market fluctuations and protect the interests of both parties. The response measures for different types of risks can be flexibly combined and adjusted according to the actual situation and risk level to ensure the safety and compliance of transactions.

[0131] Furthermore, by identifying, evaluating and controlling risks in transactions, various risks in supply chain financial financing transactions can be effectively reduced, including amount risk, counterparty risk, operational risk, etc., thereby ensuring the security of transactions.

[0132] In the embodiments of the present invention, effective transaction risk control measures can help timely discover and prevent potential risks, avoid transaction losses, protect the security of funds and interests, and promote the establishment of trust and cooperative relationships, thereby comprehensively ensuring the security and stability of supply chain financial financing transactions.

[0133] In the embodiment of the present invention, the risk control of the supply chain financial financing transaction according to the transaction risk control measure includes:

[0134] Determine the transaction risk level of the supply chain financial financing transaction through the risk monitoring indicators and the preset risk control warning indicators;

[0135] Extracting transaction risk control actions from the transaction risk control measures according to the transaction risk level;

[0136] Conduct risk control on supply chain finance financing transactions in accordance with the transaction risk control actions described.

[0137] In detail, according to the risk monitoring indicators of supply chain financial financing transactions, such as transaction amount, counterparty credit rating, transaction cycle, etc. At the same time, it is also necessary to set corresponding early warning indicators. When the monitoring indicators reach the early warning value, the early warning is triggered to determine the transaction risk level of the supply chain financial financing transaction, that is, according to the changes in the monitoring indicators and early warning indicators, the supply chain financial financing transactions are monitored and evaluated in real time to determine the transaction risk level, which is divided into low risk, medium risk and high risk levels.

[0138] Specifically, according to the transaction risk control measures, corresponding transaction risk control actions are extracted for different risk levels. For example, for high-risk transactions, measures such as limiting transaction amounts, increasing review processes, and strengthening investigations on counterparties can be taken; for medium-risk transactions, measures such as increasing monitoring frequency and strengthening data analysis can be taken; and for low-risk transactions, regular monitoring can be maintained; according to the extracted transaction risk control actions, corresponding risk control measures are implemented for supply chain financial financing transactions, including implementing limit control, strengthening review procedures, strengthening information disclosure, strengthening compliance management, etc., to deal with transactions at different risk levels.

[0139] The embodiments of the present invention can ensure data security and prevent data leakage and tampering by encrypting key transaction data stored in the blockchain; can ensure the legal identity of both parties to the transaction through identity authentication and reduce the risk of identity fraud; and can more accurately respond to transaction risks in different situations by comparing transaction difference data to generate transaction risk control measures, improve the efficiency of transaction risk management, and effectively reduce transaction risks. Therefore, the supply chain financial transaction risk control method, device and medium based on blockchain storage proposed by the present invention can solve the problem of low security when conducting financial transactions.

[0140] like Figure 4 , is a schematic diagram of the structure of an electronic device for implementing a supply chain financial transaction risk control method based on blockchain storage provided by an embodiment of the present invention.

[0141] The electronic device may include a processor 10, a memory 11, a communication bus 12, and a communication interface 13, and may also include a computer program stored in the memory 11 and executable on the processor 10, such as a supply chain financial transaction risk control program based on blockchain storage.

[0142] Among them, the processor 10 can be composed of an integrated circuit in some embodiments, for example, it can be composed of a single packaged integrated circuit, or it can be composed of multiple integrated circuits with the same function or different functions, including one or more central processing units (CPU), microprocessors, digital processing chips, graphics processors and various control chips. The processor 10 is the control core (ControlUnit) of the electronic device, which uses various interfaces and lines to connect various components of the entire electronic device, and executes or executes programs or modules stored in the memory 11 (for example, executing supply chain financial transaction risk control programs based on blockchain storage, etc.), and calls data stored in the memory 11 to execute various functions of the electronic device and process data.

[0143] The memory 11 includes at least one type of readable storage medium, and the readable storage medium includes flash memory, mobile hard disk, multimedia card, card-type memory (for example: SD or DX memory, etc.), magnetic memory, disk, optical disk, etc. In some embodiments, the memory 11 may be an internal storage unit of an electronic device, such as a mobile hard disk of the electronic device. In other embodiments, the memory 11 may also be an external storage device of an electronic device, such as a plug-in mobile hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the electronic device. Further, the memory 11 may also include both an internal storage unit of the electronic device and an external storage device. The memory 11 can not only be used to store application software and various types of data installed in the electronic device, such as the code of the supply chain financial transaction risk control program based on blockchain storage, but also can be used to temporarily store data that has been output or is to be output.

[0144] The communication bus 12 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc. The bus is configured to realize connection and communication between the memory 11 and at least one processor 10, etc.

[0145] The communication interface 13 is used for communication between the above-mentioned electronic device and other devices, including a network interface and a user interface. Optionally, the network interface may include a wired interface and / or a wireless interface (such as a WI-FI interface, a Bluetooth interface, etc.), which is generally used to establish a communication connection between the electronic device and other electronic devices. The user interface may be a display (Display), an input unit (such as a keyboard (Keyboard)), and optionally, the user interface may also be a standard wired interface, a wireless interface. Optionally, in some embodiments, the display may be an LED display, a liquid crystal display, a touch-sensitive liquid crystal display, and an OLED (Organic Light-Emitting Diode, organic light-emitting diode) touch device, etc. Among them, the display may also be appropriately referred to as a display screen or a display unit, which is used to display information processed in the electronic device and to display a visual user interface.

[0146] The figure only shows an electronic device with components. Those skilled in the art will understand that the structure shown in the figure does not constitute a limitation on the electronic device, and may include fewer or more components than shown in the figure, or combine certain components, or arrange the components differently.

[0147] For example, although not shown, the electronic device may also include a power source (such as a battery) for supplying power to each component. Preferably, the power source may be logically connected to the at least one processor 10 through a power management device, so that the power management device can realize functions such as charging management, discharging management, and power consumption management. The power source may also include one or more DC or AC power sources, recharging devices, power failure detection circuits, power converters or inverters, power status indicators, and other arbitrary components. The electronic device may also include a variety of sensors, Bluetooth modules, Wi-Fi modules, etc., which will not be repeated here.

[0148] It should be understood that the embodiment is for illustration only and the scope of the patent application is not limited to this structure.

[0149] The blockchain-based supply chain financial transaction risk control program stored in the memory 11 in the electronic device is a combination of multiple instructions. When running in the processor 10, the following can be achieved:

[0150] Extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and extracting the second transaction key data of the transaction creditor;

[0151] Encrypting the first transaction key data and the second transaction key data respectively, and storing the encrypted first transaction key data and the encrypted second transaction key data in the blockchain;

[0152] When the financing transaction reconciliation requirement is triggered, the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor are authenticated;

[0153] When the identity authentication of both parties to the transaction is passed, the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period are extracted;

[0154] Marking transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within a preset floating time period;

[0155] Generate transaction risk control measures for supply chain financial financing transactions based on the transaction difference data, and perform risk control on supply chain financial financing transactions based on the transaction risk control measures.

[0156] Specifically, the specific implementation method of the processor 10 for the above instructions can refer to the description of the relevant steps in the corresponding embodiment of the accompanying drawings, which will not be repeated here.

[0157] Furthermore, if the module / unit integrated in the electronic device is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. The computer-readable storage medium can be volatile or non-volatile. For example, the computer-readable medium may include: any entity or device capable of carrying the computer program code, a recording medium, a USB flash drive, a mobile hard disk, a magnetic disk, an optical disk, a computer memory, and a read-only memory (ROM).

[0158] The present invention further provides a computer-readable storage medium, wherein the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor of an electronic device, the computer program can implement:

[0159] Extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and extracting the second transaction key data of the transaction creditor;

[0160] Encrypting the first transaction key data and the second transaction key data respectively, and storing the encrypted first transaction key data and the encrypted second transaction key data in the blockchain;

[0161] When the financing transaction reconciliation requirement is triggered, the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor are authenticated;

[0162] When the identity authentication of both parties to the transaction is passed, the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period are extracted;

[0163] Marking transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within a preset floating time period;

[0164] Generate transaction risk control measures for supply chain financial financing transactions based on the transaction difference data, and perform risk control on supply chain financial financing transactions based on the transaction risk control measures.

[0165] In the several embodiments provided by the present invention, it should be understood that the disclosed devices, media and methods can be implemented in other ways. For example, the device embodiments described above are only illustrative, for example, the division of the modules is only a logical function division, and there may be other division methods in actual implementation.

[0166] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

[0167] In addition, each functional module in each embodiment of the present invention may be integrated into one processing unit, each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of hardware plus software functional modules.

[0168] It is obvious to those skilled in the art that the present invention is not limited to the details of the above exemplary embodiments, and that the present invention can be implemented in other specific forms without departing from the spirit or essential characteristics of the present invention.

[0169] Therefore, no matter from which point of view, the embodiments should be regarded as illustrative and non-restrictive, and the scope of the present invention is not limited only according to the above description, and it is intended that all changes within the meaning and scope of equivalent elements within the scope of protection are included in the present invention.

[0170] The embodiments of the present application can acquire and process relevant data based on artificial intelligence technology. Among them, artificial intelligence (AI) is the theory, method, technology and application system that uses digital computers or machines controlled by digital computers to simulate, extend and expand human intelligence, perceive the environment, acquire knowledge and use knowledge to obtain the best results.

[0171] In addition, it is clear that the word "comprising" does not exclude other units or steps, and the singular does not exclude the plural. Multiple units or devices stated in the system can also be implemented by one unit or device through software or hardware. The words first, second, etc. are used to indicate names, and do not indicate any particular order.

[0172] Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention rather than to limit it. Although the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art should understand that the technical solution of the present invention can be modified or replaced by equivalents without departing from the spirit and scope of the technical solution of the present invention.

Claims

1. A supply chain financial transaction risk control method based on blockchain storage, characterized in that: The method comprises: Extracting the first transaction key data of the transaction debtor from the financial order financing business data pre-acquired in different time periods, and extracting the second transaction key data of the transaction creditor; Encrypting the first transaction key data and the second transaction key data respectively, and storing the encrypted first transaction key data and the encrypted second transaction key data in the blockchain; When the financing transaction reconciliation requirement is triggered, the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor are authenticated; When the identity authentication of both parties to the transaction is passed, the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period are extracted; Marking transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within a preset floating time period; Generate transaction risk control measures for supply chain financial financing transactions based on the transaction difference data, and perform risk control on supply chain financial financing transactions based on the transaction risk control measures.

2. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1 is characterized in that: The first key transaction data of the transaction debtor is extracted from the financial order financing business data pre-acquired in different time periods, including: Extracting time intervals corresponding to different time periods, and determining data refresh time corresponding to the first transaction key data according to the time intervals; Identify the order financing business data corresponding to the transaction debtor in the financial order financing business data according to the transaction debtor's transaction identifier; Extracting the order identification number corresponding to the order financing business data, and querying the transaction data field corresponding to the order financing business data according to the order identification number through a preset query statement; Extracting the first transaction key data of the transaction debtor according to the transaction data field; The first transaction key data is updated according to the data refresh time to obtain the first transaction key data corresponding to the transaction debtor in different time periods.

3. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1 is characterized in that: The encrypting the first transaction key data includes: Unifying the data types corresponding to the first transaction key data; Generate a transaction data sequence from the first transaction key data after the data type is unified; Each transaction key data in the transaction data sequence is encrypted using the public key in the pre-generated key pair to obtain a transaction data encryption sequence.

4. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1 is characterized in that: The identity authentication of the transaction identity corresponding to the transaction debtor and the transaction identity corresponding to the transaction creditor includes: Verify the identity information of the transaction identity corresponding to the transaction debtor; When the identity information of the transaction debtor is verified, a key pair corresponding to the transaction debtor is generated; The private key of the certificate applicant is used to digitally sign the identity information of the transaction debtor and the public key in the key pair to obtain the digital certificate corresponding to the transaction debtor; Verifying the digital signature in the digital certificate using the public key of the certificate applicant; When the digital signature is verified, the public key in the digital certificate is used to encrypt the identity information of the transaction identity corresponding to the bond transaction party; Send the encrypted identity information to the transaction debtor, and decrypt the encrypted identity information using the private key corresponding to the transaction debtor; The identities of both parties to the transaction are authenticated based on the identity information of the transaction identity corresponding to the transaction creditor and the decrypted identity information.

5. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1, characterized in that: The extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain within the preset floating time period includes: When receiving a transaction data update request, determining, according to the transaction identifier of the transaction debtor, that the update data corresponding to the transaction data update request is the first transaction key data and the second transaction key data; When receiving a data storage request, determining, according to a transaction identifier of the transaction debtor, that the storage data corresponding to the data storage request is the updated first transaction key data and the second transaction key data; Determine the start time of the floating time period according to the request time corresponding to the data storage request; When receiving a target data storage request, detecting whether the target data storage request is consistent with request parameters of the data storage request; When the request parameters are inconsistent, extracting the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the start time; When the request parameters are consistent, the request time corresponding to the target data storage request is used as the end time of the floating time period, and the encrypted first transaction key data and the second transaction key data stored in the blockchain corresponding to the end time are extracted.

6. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1 is characterized in that: The transaction difference data between the encrypted first transaction key data and the encrypted second transaction key data extracted within the preset floating time period is marked, including: Decrypting the encrypted first transaction key data and the encrypted second transaction key data respectively to obtain the first transaction key data and the second transaction key data; extracting a first transaction field of the first transaction key data, and extracting a second transaction field corresponding to the second transaction key data; Comparing the first transaction field with the field data corresponding to the second transaction field; When the compared field data are inconsistent, the field data are marked as transaction difference data.

7. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1 is characterized in that: The transaction risk control measures for supply chain financial financing transactions generated according to the transaction difference data include: Identify key risk points of supply chain finance financing transactions based on the transaction difference data; Generate risk monitoring indicators for supply chain finance transactions based on the key risk points; Generate transaction risk types of supply chain finance financing transactions through the risk monitoring indicators; Generate transaction risk control measures for supply chain financial financing transactions according to the transaction risk types.

8. The supply chain financial transaction risk control method based on blockchain storage as claimed in claim 1, characterized in that: The risk control of supply chain financial financing transactions according to the transaction risk control measures includes: Determine the transaction risk level of the supply chain financial financing transaction through the risk monitoring indicators and the preset risk control warning indicators; Extracting transaction risk control actions from the transaction risk control measures according to the transaction risk level; Conduct risk control on supply chain finance financing transactions in accordance with the transaction risk control actions described.

9. An electronic device, characterized in that: The electronic device comprises: at least one processor; and, a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute the supply chain financial transaction risk control method based on blockchain storage as described in any one of claims 1 to 8.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the supply chain financial transaction risk control method based on blockchain storage is implemented as described in any one of claims 1 to 8.

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