Intelligent payment method and device, computer device and storage medium

Abstract

The embodiment of the application belongs to the field of financial technology, and relates to an intelligent payment method and device, computer equipment and a storage medium. The method comprises the following steps: obtaining encrypted payment information from a blockchain network; performing cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; constructing a user payment portrait according to the decrypted payment information; extracting key features of the user payment portrait, and generating payment contract code according to the extracted payment portrait feature vector; judging whether the payment contract code meets preset security requirements; if yes, deploying the payment contract code to the corresponding blockchain network for payment contract execution; and if not, updating the payment contract code, continuously updating and judging the security of the updated contract code until the updated contract code meets the preset security requirements. The application can effectively realize a high-security and personalized payment function setting for users to improve the efficiency of payment.

Description

Technical Field

[0001] This application relates to the field of data processing technology, specifically to the field of financial technology, and particularly to a smart payment method, device, computer equipment, and storage medium. Background Technology

[0002] In financial systems, smart payment, as a core business, has always held a crucial position. Through configured smart payment contracts, the system can automatically trigger events and execute corresponding logic, ensuring users can smoothly complete payment transactions. This automated and intelligent payment method not only improves the processing efficiency of financial transactions but also provides users with a more convenient and efficient payment experience.

[0003] However, the security of user transaction information is becoming increasingly prominent in the smart payment process. Since payment information involves users' financial security and personal privacy, malicious acquisition or alteration of this information will significantly reduce the security of smart payments. This will not only cause financial losses to users but also seriously damage the reputation and credibility of financial institutions.

[0004] Furthermore, smart payment systems also fall short in terms of personalized services. Each user often exhibits different behavioral habits and preferences during the payment process. However, current smart payment systems often lack sufficient flexibility to simplify and adjust the payment process according to individual user needs. This not only reduces payment efficiency but may also lead to user dissatisfaction, thereby impacting overall user satisfaction with financial services. Summary of the Invention

[0005] The purpose of this application is to provide an intelligent payment method, device, computer equipment, and storage medium to solve the problem of not being able to set up highly secure and personalized payment functions for users in order to improve payment efficiency.

[0006] To address the aforementioned technical problems, this application provides an intelligent payment method, which employs the following technical solution:

[0007] Obtain encrypted payment information from a blockchain network;

[0008] The encrypted payment information is subjected to cross-chain analysis and decryption to obtain decrypted payment information;

[0009] A user payment profile is constructed based on the decrypted payment information;

[0010] Key features are extracted from the user payment profile, and payment contract code is generated based on the extracted payment profile feature vector;

[0011] Determine whether the payment contract code meets the preset security requirements;

[0012] If the payment contract code meets the preset security requirements, the payment contract code will be deployed to the corresponding blockchain network for payment contract execution.

[0013] If the payment contract code does not meet the preset security requirements, the payment contract code is updated to obtain an updated contract code, and the updated contract code is re-evaluated to determine whether it meets the preset security requirements. This process of updating and judging the security of the updated contract code is repeated until the updated contract code meets the preset security requirements.

[0014] Furthermore, the step of obtaining encrypted payment information from the blockchain network specifically includes:

[0015] Get a list of blockchain networks;

[0016] Obtain transaction record information from the blockchain networks corresponding to the blockchain network list;

[0017] Identify the encrypted payment information in the transaction record information and extract the encrypted payment information.

[0018] Furthermore, the step of performing cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information specifically includes:

[0019] The encrypted payment information is feature-extracted based on a federated learning algorithm to obtain a payment information feature vector.

[0020] The payment information feature vectors are fused across chains to construct a cross-chain payment information feature matrix;

[0021] The cross-chain payment information feature matrix is ​​reduced in dimensionality using a matrix factorization algorithm to obtain a low-dimensional payment information feature representation.

[0022] The low-dimensional payment information feature representation is homomorphically encrypted to obtain the encrypted information feature representation;

[0023] The encrypted information feature representation is transmitted across chains in the blockchain network, and the encrypted information feature representation is homomorphically decrypted in the blockchain network to obtain the decrypted information feature representation;

[0024] The decrypted payment information is obtained by performing payment matching in the blockchain network based on the characteristics of the decrypted information.

[0025] Furthermore, the step of constructing a user payment profile based on the decrypted payment information specifically includes:

[0026] The decrypted payment information is cleaned to obtain valid payment information;

[0027] Extract payment method information, payment amount information, payment time information, and payment channel information from the valid payment information;

[0028] A user feature vector is constructed based on the payment method information, the payment amount information, the payment time information, and the payment channel information;

[0029] The user feature vectors are clustered using a preset clustering algorithm to obtain user group labels;

[0030] The user payment profile is constructed based on the user group tags and the valid payment information.

[0031] Furthermore, the step of extracting key features from the user payment profile and generating payment contract code based on the extracted payment profile feature vector specifically includes:

[0032] The user payment profile is preprocessed to obtain standard payment profile information;

[0033] The standard payment profile information is used to extract features based on natural language processing algorithms to obtain the payment profile feature vector;

[0034] User clustering is performed based on the payment profile feature vector to obtain user category groups;

[0035] Based on the user category group, the corresponding smart contract template is extracted from the preset smart contract template library;

[0036] The key information in the payment profile feature vector is matched with the parameters of the smart contract template, and the key information is filled into the corresponding position of the parameters according to the matching relationship to obtain the smart payment contract.

[0037] Obtain personalized demand information, and generate code based on the personalized demand information and the smart payment contract to obtain the payment contract code.

[0038] Furthermore, the step of deploying the payment contract code to the corresponding blockchain network for payment contract execution specifically includes:

[0039] The payment contract code is verified according to the consensus mechanism and verification rules of the blockchain network;

[0040] The verified payment contract code will be linked to the blockchain network;

[0041] Obtain the predefined triggering conditions and execution logic from the payment contract code;

[0042] The triggering conditions are monitored in real time, and when the triggering conditions are met, the contract function corresponding to the execution logic is automatically executed.

[0043] Furthermore, the step of updating the payment contract code to obtain the updated contract code specifically includes:

[0044] Identify potential vulnerabilities in payment contract code;

[0045] Based on the potential vulnerabilities, find the corresponding vulnerability remediation solution in the preset remediation solution list;

[0046] The payment contract code is updated according to the vulnerability remediation plan to obtain the updated contract code.

[0047] To address the aforementioned technical problems, this application also provides an intelligent payment device, which employs the following technical solution:

[0048] The information acquisition module is used to obtain encrypted payment information from the blockchain network;

[0049] The information analysis module is used to perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information;

[0050] The profile building module is used to build a user payment profile based on the decrypted payment information;

[0051] The contract generation module is used to extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector.

[0052] The contract judgment module is used to determine whether the payment contract code meets the preset security requirements;

[0053] The contract deployment module is used to deploy the payment contract code to the corresponding blockchain network for payment contract execution if the payment contract code meets the preset security requirements.

[0054] The contract adjustment module is used to update the payment contract code if the payment contract code does not meet the preset security requirements, obtain an updated contract code, and re-determine whether the updated contract code meets the preset security requirements. The update and security determination of the updated contract code are continuously cyclically performed until the updated contract code meets the preset security requirements.

[0055] To address the aforementioned technical problems, this application also provides a computer device that employs the following technical solution:

[0056] A computer device includes a memory and a processor, the memory storing computer-readable instructions, the processor executing the computer-readable instructions to implement the steps of the smart payment method as described in any of the preceding claims.

[0057] To address the aforementioned technical problems, this application also provides a computer-readable storage medium, employing the technical solution described below:

[0058] A computer-readable storage medium storing computer-readable instructions that, when executed by a processor, implement the steps of the smart payment method as described in any of the preceding claims.

[0059] Compared with existing technologies, the embodiments of this application have the following main advantages: This embodiment obtains encrypted payment information from a blockchain network; performs cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; constructs a user payment profile based on the decrypted payment information; extracts key features from the user payment profile and generates payment contract code based on the extracted payment profile feature vector; determines whether the payment contract code meets preset security requirements; if the payment contract code meets the preset security requirements, it is deployed to the corresponding blockchain network for payment contract execution; if the payment contract code does not meet the preset security requirements, it is updated to obtain updated contract code, and the updated contract code is re-determined to meet the preset security requirements. This process of updating and judging the security of the updated contract code is continuously repeated until the updated contract code meets the preset security requirements. This effectively enables users to set up highly secure and personalized payment functions to improve payment efficiency. Attached Figure Description

[0060] To more clearly illustrate the solutions in this application, the accompanying drawings used in the description of the embodiments of this application will be briefly introduced below. Obviously, the accompanying drawings described below are some embodiments of this application. For those skilled in the art, other drawings can be obtained based on these drawings without creative effort.

[0061] Figure 1 This is an exemplary system architecture diagram to which this application can be applied;

[0062] Figure 2 A flowchart of an embodiment of the smart payment method according to this application;

[0063] Figure 3 yes Figure 2A flowchart of a specific implementation of step S10;

[0064] Figure 4 yes Figure 2 A flowchart of a specific implementation of step S20;

[0065] Figure 5 yes Figure 2 A flowchart of a specific implementation of step S30;

[0066] Figure 6 yes Figure 2 A flowchart of a specific implementation of step S40;

[0067] Figure 7 yes Figure 2 A flowchart of a specific implementation of step S60;

[0068] Figure 8 yes Figure 2 A flowchart of a specific implementation of step S70;

[0069] Figure 9 This is a schematic diagram of the structure of an embodiment of the smart payment device according to this application;

[0070] Figure 10 This is a schematic diagram of the structure of one embodiment of the computer device according to this application. Detailed Implementation

[0071] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application pertains; the terminology used herein in the specification of the application is for the purpose of describing particular embodiments only and is not intended to be limiting of the application; the terms "comprising" and "having," and any variations thereof, in the specification, claims, and foregoing drawings of this application, are intended to cover non-exclusive inclusion. The terms "first," "second," etc., in the specification, claims, or foregoing drawings of this application are used to distinguish different objects, not to describe a particular order.

[0072] In this document, the term "embodiment" means that a particular feature, structure, or characteristic described in connection with an embodiment may be included in at least one embodiment of this application. The appearance of this phrase in various places throughout the specification does not necessarily refer to the same embodiment, nor is it a non-related or alternative embodiment that is mutually exclusive with other embodiments. It will be explicitly and implicitly understood by those skilled in the art that the embodiments described herein can be combined with other embodiments.

[0073] To enable those skilled in the art to better understand the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.

[0074] like Figure 1 As shown, system architecture 100 may include terminal device 101, network 102, and server 103. Terminal device 101 may be a laptop 1011, tablet 1012, or mobile phone 1013. Network 102 is used as a medium to provide a communication link between terminal device 101 and server 103. Network 102 may include various connection types, such as wired, wireless communication links, or fiber optic cables.

[0075] Users can use terminal device 101 to interact with server 103 via network 102 to receive or send messages, etc. Various communication client applications can be installed on terminal device 101, such as web browser applications, shopping applications, search applications, instant messaging tools, email clients, social media platform software, etc.

[0076] Terminal device 101 can be various electronic devices with a display screen and support web browsing. In addition to laptops 1011, tablets 1012, or mobile phones 1013, terminal device 101 can also be e-book readers, MP3 players (Moving Picture Experts Group Audio Layer III), MP4 players (Moving Picture Experts Group Audio Layer IV), laptops, and desktop computers.

[0077] Server 103 can be a server that provides various services, such as a backend server that provides support for the pages displayed on terminal device 101.

[0078] It should be noted that the smart payment method provided in this application embodiment is generally executed by a server / terminal device, and correspondingly, the smart payment device is generally installed in the server / terminal device.

[0079] It should be understood that Figure 1 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0080] Continue to refer to Figure 2 A flowchart of an embodiment of the smart payment method according to this application is shown. The smart payment method includes the following steps:

[0081] Step S10: Obtain encrypted payment information from the blockchain network;

[0082] In this embodiment, encrypted payment information refers to transaction information encrypted using an asymmetric encryption algorithm. A blockchain network refers to a distributed network composed of multiple nodes (computers or servers) that collectively maintain one or more blockchain databases. In a blockchain network, each node holds a complete or partial copy of the blockchain and follows a specific consensus mechanism to ensure consensus on the blockchain state among all nodes in the network. When new transactions occur, these transactions are broadcast to all nodes in the network and added to the blockchain through the consensus mechanism. Encrypted payment information refers to specific information related to payments during transactions within the blockchain network. This specific information is encrypted to ensure its security and privacy, but it can also be decrypted by authorized users or systems for verification, recording, or further processing.

[0083] Step S20: Perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information;

[0084] In this embodiment, cross-chain analysis refers to analysis and processing between blockchain networks. Cross-chain analysis includes information of the transacting parties (the blockchain addresses of the sender and receiver), transaction amount (the amount of currency involved in the transaction), transaction metadata (timestamp of the transaction, transaction fees, transaction type, and other additional information related to the transaction), digital signature (used to verify the authenticity and integrity of the transaction), etc. Decryption processing refers to decrypting the data through homomorphic decryption. Homomorphic decryption is the inverse process of homomorphic encryption (HE), used to restore the ciphertext after homomorphic encryption and computation to plaintext. By performing decryption processing, the corresponding decrypted payment information is obtained.

[0085] Step S30: Construct a user payment profile based on the decrypted payment information;

[0086] In this embodiment, a user payment profile is constructed based on the payment method, payment amount, payment time, and payment channel information extracted from the decrypted payment information. The user payment profile includes: basic user information, payment method preferences, payment behavior characteristics, payment risk characteristics, and payment-related information. By constructing this user payment profile, personalized payment contract code can be generated effectively for different types of users.

[0087] Step S40: Extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector;

[0088] In this embodiment, user clustering is performed based on payment profile feature vectors to obtain user category groups. Then, corresponding smart contract templates are searched and extracted from a preset smart contract template library based on user category groups. The payment profile feature vectors and smart contract templates are fused to generate payment contract code. The smart contract template library contains smart contract templates for different user category groups. Each template should be designed according to the characteristics and needs of a specific user group to ensure that the smart contract can meet the payment and transaction needs of different user groups.

[0089] Step S50: Determine whether the payment contract code meets the preset security requirements;

[0090] In this embodiment, a formal verification method can be used to perform security checks on the payment contract code, along with code auditing and vulnerability detection, to obtain security detection results. These results are then compared with preset security requirements to determine whether the payment contract code meets these requirements. The formal verification steps include establishing a mathematical model for the smart contract corresponding to the payment contract code, including its state, operations, and transformation rules; defining the properties to be verified, such as funds not being lost and only specific users being able to perform certain operations; and using formal verification tools (such as model checkers and theorem provers) to check whether the contract satisfies these properties. Code auditing includes analyzing code structure, variable naming, function implementation, etc., to find common security vulnerabilities (such as reentrancy attacks and integer overflows); and testing its behavior under different conditions, especially edge cases and abnormal situations, by simulating the contract's execution environment. Vulnerability detection includes using tools such as code automation tools to scan the payment contract code, matching detected vulnerabilities with known vulnerability databases to determine the type and severity of the vulnerabilities.

[0091] Step S60: If the payment contract code meets the preset security requirements, then the payment contract code is deployed to the corresponding blockchain network for payment contract execution.

[0092] In this embodiment, before deploying the payment contract code to the blockchain network, the blockchain network needs to verify the payment contract code through a consensus mechanism and verification rules. Once the verification is successful, the blockchain network corresponding to the payment contract code is determined. In this embodiment, a single payment contract code can correspond to multiple blockchain networks. The number of corresponding blockchain networks can be set according to the actual situation to achieve effective code deployment.

[0093] Step S70: If the payment contract code does not meet the preset security requirements, the payment contract code is updated to obtain an updated contract code, and the updated contract code is re-evaluated to determine whether it meets the preset security requirements. The updating and security evaluation of the updated contract code are continuously repeated until the updated contract code meets the preset security requirements.

[0094] In this embodiment, corresponding vulnerability remediation solutions are obtained based on potential vulnerabilities in the payment contract code to effectively fix them and update the payment contract code, resulting in updated contract code. A rule-based automatic remediation program can be employed to update the contract code according to code update operations in the blockchain network, enabling cyclical updates of the contract code. This update step corresponds to the vulnerability remediation steps described above.

[0095] This embodiment obtains encrypted payment information from a blockchain network; performs cross-chain analysis and decryption on the encrypted payment information to obtain decrypted payment information; constructs a user payment profile based on the decrypted payment information; extracts key features from the user payment profile and generates payment contract code based on the extracted payment profile feature vector; determines whether the payment contract code meets preset security requirements; if the payment contract code meets the preset security requirements, it is deployed to the corresponding blockchain network for payment contract execution; if the payment contract code does not meet the preset security requirements, it is updated to obtain updated contract code, and the updated contract code is re-determined to meet the preset security requirements. This process of updating and determining the security of the updated contract code is repeated until the updated contract code meets the preset security requirements. This effectively enables users to set up highly secure and personalized payment functions to improve payment efficiency.

[0096] refer to Figure 3 In some optional implementations of this embodiment, step S10 includes the following steps:

[0097] Step S101: Obtain a list of blockchain networks;

[0098] In this embodiment, a preset list of blockchain networks can be read from a configuration file or a database. This list contains the necessary information for each blockchain network, such as network name, node address, API interface URL, etc.

[0099] Step S102: Obtain transaction record information from the blockchain networks corresponding to the blockchain network list;

[0100] In this embodiment, the blockchain network list is traversed to select all blockchain networks in the list, and the corresponding transaction record information is queried and extracted from each selected blockchain network using the provided network interface (such as RESTful API, WebSocket, etc.).

[0101] Step S103: Identify the encrypted payment information in the transaction record information and extract the encrypted payment information.

[0102] In this embodiment, for each transaction record, it can be determined whether it contains encrypted payment information by checking its fields (such as transaction description, metadata, remarks, etc.). The encrypted payment information can appear in a specific format, keywords, or encrypted form. When encrypted payment information is found to exist in the transaction record, a portion of the encrypted payment information is extracted to obtain the encrypted payment information.

[0103] In this embodiment, after obtaining encrypted payment information, a corresponding unique transaction hash value can be generated. This unique transaction hash value can be obtained by performing a hash operation on the encrypted payment information according to a preset hash algorithm. Then, by associating and storing the unique transaction hash value and the encrypted payment information, a mapping relationship between the unique transaction hash value and the encrypted payment information is established. During transaction verification, the legality and integrity of the original payment information in the decrypted encrypted payment information can be verified by using the unique transaction hash value.

[0104] This embodiment obtains a list of blockchain networks; retrieves transaction record information from the corresponding blockchain networks in the list; identifies encrypted payment information within the transaction record information; and extracts the encrypted payment information. This effectively achieves secure acquisition of encrypted payment information, facilitating subsequent cross-chain analysis and decryption.

[0105] refer to Figure 4 In some optional implementations of this embodiment, step S20 includes the following steps:

[0106] Step S201: Extract features from the encrypted payment information based on the federated learning algorithm to obtain a payment information feature vector;

[0107] In this embodiment, federated learning is a distributed machine learning paradigm that utilizes datasets distributed across various participants. It integrates multi-party data through privacy-preserving technologies to collaboratively construct a global feature extraction model, and then performs feature extraction operations based on this model. In this embodiment, the feature extraction model can employ a neural network model. The payment information feature vector includes transaction amount features (the size and distribution of the transaction amount), transaction time features (time stamp of the transaction, transaction frequency, time interval, etc.), characteristics of the transacting parties (addresses or account identifiers of the transacting parties), transaction type features (transfer, payment, receipt, etc., and specific business types such as e-commerce, game top-ups, financial services, etc.), transaction association features (the correlation and network structure relationship of transactions), and transaction risk features (the suspiciousness and security level of the transaction).

[0108] Step S202: Perform cross-chain fusion on the payment information feature vector to construct a cross-chain payment information feature matrix;

[0109] In this embodiment, cross-chain fusion refers to integrating payment information feature vectors from different blockchain networks to form a unified cross-chain payment information feature matrix. This is achieved by standardizing the payment information feature vectors from different blockchains and then integrating them in chronological order to form the cross-chain payment information feature matrix.

[0110] Step S203: The cross-chain payment information feature matrix is ​​reduced in dimensionality using a matrix factorization algorithm to obtain a low-dimensional payment information feature representation.

[0111] In this embodiment, matrix factorization is a method that decomposes a matrix into the product or sum of multiple smaller matrices to reduce the dimensionality of the matrix while retaining important information of the original data. In this embodiment, the matrix factorization algorithm employs Principal Component Analysis (PCA). PCA reduces the dimensionality of the data by finding the principal components (i.e., the directions of greatest data change) in the cross-chain payment information feature matrix, thereby achieving effective dimensionality reduction and obtaining a low-dimensional representation of the payment information features.

[0112] Step S204: Homomorphically encrypt the low-dimensional payment information feature representation to obtain the encrypted information feature representation;

[0113] In this embodiment, homomorphic encryption is an encryption technique that allows computation to be performed on encrypted data and an encrypted result to be obtained without first decrypting the data. By homomorphically encrypting the feature representation of low-dimensional payment information, an encrypted feature representation of information that can be securely transmitted in a blockchain network is obtained.

[0114] Step S205: The encrypted information feature representation is transmitted across the blockchain network, and the encrypted information feature representation is homomorphically decrypted in the blockchain network to obtain the decrypted information feature representation;

[0115] In this embodiment, cross-chain transmission refers to the process of transferring information from one blockchain network to another. Cross-chain transmission can be achieved through the Axelar Network communication protocol, which allows encrypted information features to be transmitted across blockchain networks. Homomorphic decryption is the inverse process of homomorphic encryption. It involves using the same key or decryption algorithm as in homomorphic encryption to decrypt the encrypted information features, thereby effectively obtaining the decrypted information features.

[0116] Step S206: Based on the decryption information feature representation, perform payment matching in the blockchain network to obtain the decrypted payment information.

[0117] In this embodiment, decrypted payment information is filtered out by matching its feature representation with the local payment information of the blockchain network and calculating the similarity. The similarity is higher than a preset threshold. The similarity can be calculated using cosine similarity. This involves calculating the cosine similarity between the feature representation of the decrypted information and the feature vectors corresponding to the local payment information, and then filtering based on the calculated cosine similarity. In this embodiment, the range of cosine similarity is [-1, 1], and the preset threshold for similarity filtering is initially 0.8, which can be set and adjusted according to actual conditions.

[0118] This embodiment extracts features from the encrypted payment information using a federated learning algorithm to obtain a payment information feature vector; it then performs cross-chain fusion on the payment information feature vector to construct a cross-chain payment information feature matrix; it further reduces the dimensionality of the cross-chain payment information feature matrix using a matrix factorization algorithm to obtain a low-dimensional payment information feature representation; it then homomorphically encrypts the low-dimensional payment information feature representation to obtain an encrypted information feature representation; it transmits the encrypted information feature representation across the blockchain network and homomorphically decrypts it within the blockchain network to obtain a decrypted information feature representation; finally, it performs payment matching based on the decrypted information feature representation within the blockchain network, thereby effectively obtaining decrypted payment information that has been securely decrypted within the blockchain network, facilitating the subsequent construction of user payment profiles.

[0119] refer to Figure 5 In some optional implementations of this embodiment, step S30 includes the following steps:

[0120] Step S301: Perform data cleaning on the decrypted payment information to obtain valid payment information;

[0121] In this embodiment, data cleaning includes missing value handling, outlier handling, data format conversion, and data deduplication. Missing value handling checks for missing values ​​in the decrypted payment information and, depending on the situation, selects methods such as deleting missing values, filling in missing values ​​(e.g., using the mean, median, mode, etc.), or interpolation. Outlier handling identifies and processes outliers in the decrypted payment information, such as unreasonable payment amounts or impossible payment times. Outlier handling can employ methods such as deletion, replacement, or correction. Data format conversion ensures that the data format in the decrypted payment information meets the analysis requirements, such as converting date and time formats to a uniform format and converting string-type amounts to numeric types. Data deduplication checks for and deletes duplicate records in the decrypted payment information to avoid bias in subsequent analysis.

[0122] Step S302: Extract payment method information, payment amount information, payment time information, and payment channel information from the valid payment information;

[0123] In this embodiment, payment method information refers to recording the payment method used by the user, such as bank card payment, Alipay payment, WeChat payment, etc. Payment amount information refers to recording the user's payment amount, which can be the amount of a single payment or the cumulative payment amount over a certain period. Payment time information refers to recording the user's payment time, which can be a specific date and time or a time period (such as a certain time of day). Payment channel information refers to recording the channel through which the user made the payment, such as an online shopping mall, a third-party platform, etc.

[0124] Step S303: Construct a user feature vector based on the payment method information, the payment amount information, the payment time information, and the payment channel information;

[0125] In this embodiment, the steps for constructing user feature vectors include: determining the dimensions of the user feature vectors; for example, features such as payment method (set as a discrete variable, represented using one-hot encoding or label encoding), payment amount (set as a continuous variable, standardized or normalized), payment time (set as a discrete variable, such as divided by hour or day), and payment channel (set as a discrete variable, represented using one-hot encoding or label encoding) can be selected; and the extracted feature values ​​are converted into a format suitable for machine learning algorithms. For example, for discrete variables such as payment method, one-hot encoding or label encoding can be used for conversion; for continuous variables such as payment amount, standardization (such as using z-score standardization) or normalization (such as using min-max normalization) can be performed. The encoded feature values ​​are combined into user feature vectors, where each user feature vector is a multi-dimensional array or matrix containing the user's values ​​in each feature dimension.

[0126] Step S304: Perform cluster analysis on the user feature vectors according to a preset clustering algorithm to obtain user group labels;

[0127] In this embodiment, the preset clustering algorithm can be the K-means algorithm. The steps of clustering user feature vectors using the K-means algorithm include: determining the number of clusters K to be divided; randomly selecting K points from the user feature vectors as initial cluster centers; calculating the distance (usually Euclidean distance) from each user feature vector to the K cluster centers; assigning each user feature vector to the cluster represented by the nearest cluster center according to the principle of closest proximity; calculating the mean of all user feature vectors in each cluster as the new cluster center. After updating the cluster centers, recalculating the distance from each user feature vector to the new cluster center and reassigning the samples to the nearest cluster, repeating the above assignment and update steps until the cluster centers no longer change significantly or the preset number of iterations is reached, thus completing the clustering analysis step and obtaining user group clusters. After obtaining the user group clusters, assigning corresponding labels based on the characteristics of the cluster centers of each user group cluster to obtain user group labels.

[0128] Step S305: Construct the user payment profile based on the user group tags and the valid payment information.

[0129] In this embodiment, user group tags and valid payment information are linked and integrated to obtain comprehensive user payment information. Then, a framework for user payment profiles is designed, including profile dimensions, indicators, and display methods. Based on the integrated comprehensive user payment information and user feature vectors, the content of the user payment profile is filled in. Charts, graphs, text descriptions, and other methods are used to display the user's payment behavior and characteristics, thereby effectively constructing a user payment profile.

[0130] This embodiment cleanses the decrypted payment information to obtain valid payment information; it then extracts payment method information, payment amount information, payment time information, and payment channel information from this valid payment information; it constructs a user feature vector based on the payment method information, payment amount information, payment time information, and payment channel information; it performs cluster analysis on the user feature vector using a preset clustering algorithm to obtain user group labels; and it constructs a user payment profile based on the user group labels and the valid payment information. This effectively constructs user payment profiles representing different user groups, facilitating the subsequent generation of personalized payment contract code.

[0131] Continue to refer to Figure 6 In some optional implementations of this embodiment, step S40 includes the following steps:

[0132] Step S401: Preprocess the user payment profile to obtain standard payment profile information;

[0133] In this embodiment, preprocessing includes removing noise data and abnormal data. Noise data refers to unreasonable payment amounts, non-existent payment methods, abnormal timestamps, etc., contained in the user payment profile. Abnormal data refers to extremely high payment amounts, frequent abnormal transaction patterns, etc., contained in the user payment profile.

[0134] Step S402: Extract features from the standard payment profile information based on a natural language processing algorithm to obtain the payment profile feature vector;

[0135] In this embodiment, the natural language processing algorithm can adopt the bag-of-words model to perform text analysis on standard payment profile information, so as to extract payment profile features including payment keywords, phrases or topics, and then obtain the payment profile feature vector by mapping the payment profile features to the feature vector space.

[0136] Step S403: Perform user clustering based on the payment profile feature vector to obtain user category groups;

[0137] In this embodiment, user clustering can be performed using the K-means algorithm. The payment profile feature vector is input into the K-means algorithm to perform clustering analysis, obtain the corresponding user profile feature clustering results, and then generate the corresponding user category groups based on the user profile feature clustering results.

[0138] Step S404: Extract the corresponding smart contract template from the preset smart contract template library according to the user category group;

[0139] In this embodiment, the smart contract template library is traversed and queried using user category groups as query conditions to extract the corresponding smart contract templates. This smart contract template library includes multiple smart contract templates, each designed for a specific user category group to meet their specific payment needs or business scenarios.

[0140] Step S405: Match the key information in the payment profile feature vector with the parameters of the smart contract template, and fill the key information into the corresponding position of the parameters according to the matching relationship to obtain the smart payment contract;

[0141] In this embodiment, key information related to user payment behavior and preferences is extracted from the payment profile feature vector. This key information includes payment frequency, payment amount range, commonly used payment methods, and payment time preferences. The parameters of the smart contract template include payment conditions, payment limits, payment time windows, and payment fees. By matching the key information with the parameters of the smart contract template, a matching relationship is effectively obtained. Then, based on the matching relationship, the key information is filled into the smart contract template, thereby effectively generating a smart payment contract.

[0142] Step S406: Obtain personalized demand information, and generate code based on the personalized demand information and the smart payment contract to obtain the payment contract code.

[0143] In this embodiment, personalized demand information can be obtained through user surveys, demand analysis, and other methods. This personalized demand information may include specific payment processes, payment security requirements, payment notification methods, etc. Based on this personalized demand information, the smart payment contract is further adjusted to better cater to individual user needs. Once the adjustments are complete, a code generation tool is used to convert the smart payment contract into executable payment contract code.

[0144] This embodiment preprocesses the user payment profile to obtain standard payment profile information; extracts features from the standard payment profile information using a natural language processing algorithm to obtain the payment profile feature vector; clusters users based on the payment profile feature vector to obtain user category groups; extracts corresponding smart contract templates from a preset smart contract template library based on the user category groups; matches key information from the payment profile feature vector with the parameters of the smart contract template, and fills the key information into the corresponding positions of the parameters according to the matching relationship to obtain a smart payment contract; obtains personalized requirement information, and generates code based on the personalized requirement information and the smart payment contract, thereby effectively obtaining personalized payment contract code configured according to the user payment profile to facilitate subsequent payment contract execution processing.

[0145] Continue to refer to Figure 7 In some optional implementations of this embodiment, step S60 includes the following steps:

[0146] Step S601: Verify the payment contract code according to the consensus mechanism and verification rules of the blockchain network;

[0147] In this embodiment, the payment contract code is verified through network nodes of the blockchain network using consensus mechanisms and verification rules. The blockchain network's preset consensus mechanisms include Proof-of-Work and Proof-of-Stake, while the verification rules cover the code's syntactic correctness, logical rationality, and security (e.g., preventing malicious code or vulnerabilities). This embodiment also allows for functional testing of the payment contract code. A test environment similar to a real production environment is built, including a blockchain network, smart contract deployment tools, and test accounts. Detailed test cases are written based on the payment contract's functions and business logic. These test cases should cover normal scenarios, abnormal scenarios, and boundary scenarios to ensure comprehensive testing. Verification is performed to ensure the payment contract functions as expected under normal conditions, such as whether the user can successfully initiate a payment, whether the payment amount is correctly deducted, and whether the payment status is updated. Various abnormal situations are simulated to verify the payment contract's fault tolerance and exception handling capabilities, such as testing behavior under abnormal conditions like exceeding payment limits, incorrect payment passwords, and network interruptions during payment. Finally, the behavior of the payment contract under boundary value conditions is verified to ensure it meets expectations, such as testing the minimum and maximum payment amounts, and specific decimal places. This enables effective functional testing of the payment contract code. Once the payment contract code passes the above functional tests, it can be effectively deployed to the corresponding blockchain network.

[0148] Step S602: Establish a connection between the verified payment contract code and the blockchain network;

[0149] In this embodiment, after the payment contract code is verified by network nodes in the blockchain network, it is associated with other smart contracts already deployed in the blockchain network. This association can be established through interaction logic, dependencies, or data sharing between the payment contract and smart contracts. Once the association is established, the payment contract code will be recorded in a new block of the blockchain network for deployment, becoming part of the blockchain network. The deployed payment contract will have a unique contract address for identification and access on the blockchain network.

[0150] Step S603: Obtain the predefined triggering conditions and execution logic in the payment contract code;

[0151] In this embodiment, the triggering conditions may include time conditions, external events (such as the occurrence of a transaction), changes in the state of other smart contracts, etc. The execution logic is the automated behavior logic set according to the triggering conditions, which may include functions such as fund transfer, data update, and triggering other smart contracts.

[0152] Step S604: Monitor the triggering conditions in real time. When the triggering conditions are met, automatically execute the contract function corresponding to the execution logic.

[0153] In this embodiment, when a certain triggering condition is met (such as reaching a specific time, or a specific transaction occurring), the blockchain network will detect this change. Once the triggering condition is met, the blockchain network will automatically execute the execution logic corresponding to that condition to complete the implementation of the contract function. The execution logic includes the aforementioned functions such as transfer, data update, and triggering other smart contracts.

[0154] This embodiment verifies the payment contract code according to the consensus mechanism and verification rules of the blockchain network; establishes a connection between the verified payment contract code and the blockchain network; obtains the predefined trigger conditions and execution logic in the payment contract code; monitors the trigger conditions in real time, and automatically executes the contract function corresponding to the execution logic when the trigger conditions are met. This effectively achieves efficient network deployment of the payment contract code, ensuring the real-time availability of the blockchain network's payment function.

[0155] Continue to refer to Figure 8 In some optional implementations of this embodiment, step S70 includes the following steps:

[0156] Step S701: Identify potential vulnerabilities in the payment contract code;

[0157] In this embodiment, static code analysis tools can be used to scan the payment contract code to discover potential coding errors, security vulnerabilities, performance issues, and other coding vulnerabilities.

[0158] Step S702: Find the corresponding vulnerability remediation solution in the preset remediation solution list according to the potential vulnerability;

[0159] In this embodiment, the remediation list is a pre-established list containing common code vulnerabilities and their remediation solutions. This list can be updated based on the latest code security research and best practices. Potential vulnerabilities are used as query criteria to match the pre-defined remediation list, thereby finding the most suitable remediation solution for the current vulnerability.

[0160] Step S703: Update the payment contract code according to the vulnerability remediation plan to obtain the updated contract code.

[0161] In this embodiment, based on the identified vulnerability remediation plan, the payment contract code is modified accordingly. This can be done by rewriting problematic code segments, adding additional security checks, and adjusting the logic flow. After the payment contract code is updated, a comprehensive test is performed, including unit testing, integration testing, and security testing, to ensure that no new problems have been introduced and that existing vulnerabilities have been fixed. Furthermore, the updated contract code undergoes code review and security auditing to ensure that all vulnerabilities have been properly addressed, thus guaranteeing the effectiveness of the updated contract code.

[0162] This embodiment identifies potential vulnerabilities in the payment contract code; searches for corresponding vulnerability remediation solutions in a preset remediation solution list based on the potential vulnerabilities; and updates the payment contract code according to the vulnerability remediation solutions, thereby effectively obtaining updated contract code that has been remediated according to the code vulnerabilities, so as to facilitate subsequent judgment on whether the updated contract code meets preset security requirements.

[0163] Those skilled in the art will understand that all or part of the processes in the methods of the above embodiments can be implemented by instructing related hardware with computer-readable instructions. These computer-readable instructions can be stored in a computer-readable storage medium. When executed, the program can include the processes of the embodiments of the above methods. The aforementioned storage medium can be a non-volatile storage medium such as a magnetic disk, optical disk, or read-only memory (ROM), or random access memory (RAM).

[0164] It should be understood that although the steps in the flowcharts of the accompanying figures are shown sequentially as indicated by the arrows, these steps are not necessarily executed in the order indicated by the arrows. Unless explicitly stated herein, there is no strict order restriction on the execution of these steps, and they can be executed in other orders. Moreover, at least some steps in the flowcharts of the accompanying figures may include multiple sub-steps or multiple stages. These sub-steps or stages are not necessarily completed at the same time, but can be executed at different times, and their execution order is not necessarily sequential, but can be performed alternately or in turn with other steps or at least some of the sub-steps or stages of other steps.

[0165] Further reference Figure 9 As a response to the above Figure 1 The implementation of the method shown in this application provides an embodiment of a smart payment device, which is similar to... Figure 1 Corresponding to the method embodiments shown, this device can be specifically applied to various electronic devices.

[0166] like Figure 9 As shown, the smart payment device 800 described in this embodiment includes: an information acquisition module 801, an information analysis module 802, a profile construction module 803, a contract generation module 804, a contract judgment module 805, a contract deployment module 806, and a contract adjustment module 807. Wherein:

[0167] Information acquisition module 801 is used to acquire encrypted payment information from the blockchain network;

[0168] Information analysis module 802 is used to perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information;

[0169] The profile building module 803 is used to build a user payment profile based on the decrypted payment information.

[0170] The contract generation module 804 is used to extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector.

[0171] The contract judgment module 805 is used to determine whether the payment contract code meets the preset security requirements;

[0172] The contract deployment module 806 is used to deploy the payment contract code to the corresponding blockchain network for payment contract execution if the payment contract code meets the preset security requirements.

[0173] The contract adjustment module 807 is used to update the payment contract code if the payment contract code does not meet the preset security requirements, obtain an updated contract code, and re-determine whether the updated contract code meets the preset security requirements. The update and security determination of the updated contract code are continuously cycled until the updated contract code meets the preset security requirements.

[0174] This embodiment, by employing the aforementioned smart payment device, can obtain encrypted payment information from a blockchain network; perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; construct a user payment profile based on the decrypted payment information; extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector; determine whether the payment contract code meets preset security requirements; if the payment contract code meets the preset security requirements, deploy the payment contract code to the corresponding blockchain network for payment contract execution; if the payment contract code does not meet the preset security requirements, update the payment contract code to obtain updated contract code, and re-determine whether the updated contract code meets the preset security requirements, continuously cyclically updating and judging the security of the updated contract code until the updated contract code meets the preset security requirements. This effectively enables highly secure and personalized payment function settings for users, thereby improving payment efficiency.

[0175] To address the aforementioned technical problems, embodiments of this application also provide a computer device. Please refer to [link / reference needed]. Figure 10 , Figure 10 This is a basic structural block diagram of the computer device in this embodiment.

[0176] The computer device 9 includes a memory 91, a processor 92, and a network interface 93 that are interconnected via a system bus. It should be noted that only the computer device 9 with components 91-93 is shown in the figure; however, it should be understood that it is not required to implement all the shown components, and more or fewer components can be implemented alternatively. Those skilled in the art will understand that the computer device described here is a device capable of automatically performing numerical calculations and / or information processing according to pre-set or stored instructions, and its hardware includes, but is not limited to, microprocessors, application-specific integrated circuits (ASICs), field-programmable gate arrays (FPGAs), digital signal processors (DSPs), embedded devices, etc.

[0177] The computer device can be a desktop computer, laptop, handheld computer, or cloud server, etc. The computer device can interact with the user via a keyboard, mouse, remote control, touchpad, or voice control.

[0178] The memory 91 includes at least one type of readable storage medium, including flash memory, hard disk, multimedia card, card-type memory (e.g., SD or DX memory), random access memory (RAM), static random access memory (SRAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), programmable read-only memory (PROM), magnetic memory, magnetic disk, optical disk, etc. In some embodiments, the memory 91 may be an internal storage unit of the computer device 9, such as the hard disk or memory of the computer device 9. In other embodiments, the memory 91 may also be an external storage device of the computer device 9, such as a plug-in hard disk, smart media card (SMC), secure digital (SD) card, flash card, etc., equipped on the computer device 9. Of course, the memory 91 may include both the internal storage unit and its external storage device of the computer device 9. In this embodiment, the memory 91 is typically used to store the operating system and various application software installed on the computer device 9, such as computer-readable instructions for smart payment methods. In addition, the memory 91 can also be used to temporarily store various types of data that have been output or will be output.

[0179] In some embodiments, the processor 92 may be a central processing unit (CPU), a controller, a microcontroller, a microprocessor, or other data processing chip. The processor 92 is typically used to control the overall operation of the computer device 9. In this embodiment, the processor 92 is used to execute computer-readable instructions stored in the memory 91 or to process data, such as executing computer-readable instructions for the smart payment method.

[0180] The network interface 93 may include a wireless network interface or a wired network interface, which is typically used to establish communication connections between the computer device 9 and other electronic devices.

[0181] This embodiment, using the aforementioned computer equipment, can obtain encrypted payment information from a blockchain network; perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; construct a user payment profile based on the decrypted payment information; extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector; determine whether the payment contract code meets preset security requirements; if the payment contract code meets the preset security requirements, deploy the payment contract code to the corresponding blockchain network for payment contract execution; if the payment contract code does not meet the preset security requirements, update the payment contract code to obtain updated contract code, and re-determine whether the updated contract code meets the preset security requirements, continuously cyclically updating and judging the security of the updated contract code until the updated contract code meets the preset security requirements. This effectively enables highly secure and personalized payment function settings for users, thereby improving payment efficiency.

[0182] This application also provides another embodiment, namely, providing a computer-readable storage medium storing computer-readable instructions that can be executed by at least one processor to cause the at least one processor to perform the steps of the smart payment method described above.

[0183] This embodiment, by employing the aforementioned computer-readable storage medium, can obtain encrypted payment information from a blockchain network; perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; construct a user payment profile based on the decrypted payment information; extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector; determine whether the payment contract code meets preset security requirements; if the payment contract code meets the preset security requirements, deploy the payment contract code to the corresponding blockchain network for payment contract execution; if the payment contract code does not meet the preset security requirements, update the payment contract code to obtain updated contract code, and re-determine whether the updated contract code meets the preset security requirements, continuously cyclically updating and judging the security of the updated contract code until the updated contract code meets the preset security requirements. This effectively enables highly secure and personalized payment function settings for users, thereby improving payment efficiency.

[0184] Through the above description of the embodiments, those skilled in the art can clearly understand that the methods of the above embodiments can be implemented by means of software plus necessary general-purpose hardware platforms. Of course, they can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of this application, in essence, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk), and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, air conditioner, or network device, etc.) to execute the methods described in the various embodiments of this application.

[0185] Obviously, the embodiments described above are only some embodiments of this application, not all embodiments. The accompanying drawings show preferred embodiments of this application, but do not limit the patent scope of this application. This application can be implemented in many different forms; rather, the purpose of providing these embodiments is to provide a more thorough and comprehensive understanding of the disclosure of this application. Although this application has been described in detail with reference to the foregoing embodiments, those skilled in the art can still modify the technical solutions described in the foregoing specific embodiments, or make equivalent substitutions for some of the technical features. Any equivalent structures made using the content of this application's specification and drawings, directly or indirectly applied to other related technical fields, are similarly within the scope of patent protection of this application.

Claims

1. A smart payment method, characterized in that, Includes the following steps: Obtain encrypted payment information from a blockchain network; The encrypted payment information is subjected to cross-chain analysis and decryption to obtain decrypted payment information; A user payment profile is constructed based on the decrypted payment information; Key features are extracted from the user payment profile, and payment contract code is generated based on the extracted payment profile feature vector; Determine whether the payment contract code meets the preset security requirements; If the payment contract code meets the preset security requirements, the payment contract code will be deployed to the corresponding blockchain network for payment contract execution. If the payment contract code does not meet the preset security requirements, the payment contract code is updated to obtain an updated contract code, and the updated contract code is re-evaluated to determine whether it meets the preset security requirements. The updating and security evaluation of the updated contract code are continuously repeated until the updated contract code meets the preset security requirements. The step of performing cross-chain analysis and decryption on the encrypted payment information to obtain decrypted payment information specifically includes: The encrypted payment information is feature-extracted based on a federated learning algorithm to obtain a payment information feature vector. The payment information feature vectors are fused across chains to construct a cross-chain payment information feature matrix; The cross-chain payment information feature matrix is ​​reduced in dimensionality using a matrix factorization algorithm to obtain a low-dimensional payment information feature representation. The low-dimensional payment information feature representation is homomorphically encrypted to obtain the encrypted information feature representation; The encrypted information feature representation is transmitted across chains in the blockchain network, and the encrypted information feature representation is homomorphically decrypted in the blockchain network to obtain the decrypted information feature representation; Based on the characteristics of the decrypted information, payment matching is performed in the blockchain network to obtain the decrypted payment information; The step of extracting key features from the user payment profile and generating payment contract code based on the extracted payment profile feature vector specifically includes: The user payment profile is preprocessed to obtain standard payment profile information; The standard payment profile information is used to extract features based on natural language processing algorithms to obtain the payment profile feature vector; User clustering is performed based on the payment profile feature vector to obtain user category groups; Based on the user category group, the corresponding smart contract template is extracted from the preset smart contract template library; The key information in the payment profile feature vector is matched with the parameters of the smart contract template, and the key information is filled into the corresponding position of the parameters according to the matching relationship to obtain the smart payment contract. Obtain personalized demand information, and generate code based on the personalized demand information and the smart payment contract to obtain the payment contract code.

2. The intelligent payment method according to claim 1, characterized in that, The step of obtaining encrypted payment information from the blockchain network specifically includes: Get a list of blockchain networks; Obtain transaction record information from the blockchain networks corresponding to the blockchain network list; Identify the encrypted payment information in the transaction record information and extract the encrypted payment information.

3. The intelligent payment method according to claim 1, characterized in that, The step of constructing a user payment profile based on the decrypted payment information specifically includes: The decrypted payment information is cleaned to obtain valid payment information; Extract payment method information, payment amount information, payment time information, and payment channel information from the valid payment information; A user feature vector is constructed based on the payment method information, the payment amount information, the payment time information, and the payment channel information; The user feature vectors are clustered using a preset clustering algorithm to obtain user group labels; The user payment profile is constructed based on the user group tags and the valid payment information.

4. The intelligent payment method according to claim 1, characterized in that, The step of deploying the payment contract code to the corresponding blockchain network for payment contract execution specifically includes: The payment contract code is verified according to the consensus mechanism and verification rules of the blockchain network; The verified payment contract code will be linked to the blockchain network; Obtain the predefined triggering conditions and execution logic from the payment contract code; The triggering conditions are monitored in real time, and when the triggering conditions are met, the contract function corresponding to the execution logic is automatically executed.

5. The intelligent payment method according to claim 1, characterized in that, The step of updating the payment contract code to obtain the updated contract code specifically includes: Identify potential vulnerabilities in payment contract code; Based on the potential vulnerabilities, find the corresponding vulnerability remediation solution in the preset remediation solution list; The payment contract code is updated according to the vulnerability remediation plan to obtain the updated contract code.

6. A smart payment device, characterized in that, The smart payment device implements the smart payment method as described in any one of claims 1-5, and the smart payment device includes: The information acquisition module is used to obtain encrypted payment information from the blockchain network; The information analysis module is used to perform cross-chain analysis and decryption processing on the encrypted payment information to obtain decrypted payment information; The profile building module is used to build a user payment profile based on the decrypted payment information; The contract generation module is used to extract key features from the user payment profile and generate payment contract code based on the extracted payment profile feature vector. The contract judgment module is used to determine whether the payment contract code meets the preset security requirements; The contract deployment module is used to deploy the payment contract code to the corresponding blockchain network for payment contract execution if the payment contract code meets the preset security requirements. The contract adjustment module is used to update the payment contract code if the payment contract code does not meet the preset security requirements, obtain an updated contract code, and re-determine whether the updated contract code meets the preset security requirements. The update and security determination of the updated contract code are continuously cyclically performed until the updated contract code meets the preset security requirements.

7. A computer device, characterized in that, The method includes a memory and a processor, wherein the memory stores computer-readable instructions, and the processor executes the computer-readable instructions to implement the steps of the smart payment method as described in any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer-readable instructions, which, when executed by a processor, implement the steps of the smart payment method as described in any one of claims 1 to 5.

Images