Joint transaction processing method, apparatus, device, storage medium and program product

Abstract

Embodiments of the present application provide a joint transaction processing method, device, equipment, storage medium and program product, relating to the field of financial technology or other related fields. The method comprises: receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects; in response to the transaction request information, calling an intelligent contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of the transaction subjects, and calling feature vectors of user identity verification information uploaded by the transaction subjects; generating target verification data according to the transaction amounts and the feature vectors of the transaction subjects; determining a verification result of the joint transaction according to the target verification data; and executing the joint transaction according to the verification result. The method of the present application not only improves the security of the transaction, but also reduces the risk of direct leakage of user identity verification information, and protects the privacy of the transaction participants.

Description

TECHNICAL FIELD

[0001] The present application relates to the field of financial technology or other related fields, and in particular, relates to a joint transaction processing method and device, equipment, storage medium and program product. BACKGROUND

[0002] In modern financial transactions, with the continuous advancement of globalization and digitization, more and more transactions involve multiple transaction subjects, and such transactions involving multiple independent transaction subjects are usually referred to as joint transactions.

[0003] In traditional transaction processing, when performing security verification, each transaction subject is usually required to perform identity authentication and transaction confirmation, and each transaction subject needs to upload the user's identity authentication information, which not only consumes time, but also may cause direct leakage of user identity authentication information.

[0004] Therefore, how to improve the security of user identity authentication information in the security verification process and reduce the risk of user identity authentication information leakage has become a technical problem to be solved. SUMMARY

[0005] The present application provides a joint transaction processing method, device, equipment, storage medium and program product to solve the technical problem of how to improve the security of user identity authentication information in the security verification process and reduce the risk of user identity authentication information leakage.

[0006] In a first aspect, the present application provides a joint transaction processing method, which comprises:

[0007] receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects;

[0008] in response to the transaction request information, calling an intelligent contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of each of the transaction subjects, and calling feature vectors of user identity authentication information uploaded by each of the transaction subjects;

[0009] generating target verification data according to the transaction amounts of each of the transaction subjects and the feature vectors;

[0010] determining a verification result of the joint transaction according to the target verification data;

[0011] executing the joint transaction according to the verification result.

[0012] Optionally, generating target verification data according to the transaction amounts of each of the transaction subjects and the feature vectors comprises:

[0013] determining weights of the feature vectors corresponding to the transaction subjects according to transaction amounts of the transaction subjects;

[0014] generating target verification data according to the feature vectors corresponding to the transaction subjects and the weights.

[0015] Optionally, the method further comprises:

[0016] comparing the target verification data with feature vectors of user identity authentication information pre-stored by the transaction subjects, to determine similarities corresponding to the transaction subjects;

[0017] determining a comprehensive similarity according to the similarities corresponding to the transaction subjects;

[0018] if the comprehensive similarity is greater than or equal to a preset value, determining that the verification result of the joint transaction indicates a verification pass;

[0019] if the comprehensive similarity is less than the preset value, determining that the verification result of the joint transaction indicates a verification failure.

[0020] Optionally, the method further comprises:

[0021] determining an average value of the similarities corresponding to the transaction subjects;

[0022] determining the average value as the comprehensive similarity.

[0023] Optionally, the method further comprises:

[0024] determining a product of the similarity corresponding to the transaction subject and the weight of the feature vector corresponding to the transaction subject, and determining a sum of the products as the comprehensive similarity.

[0025] Optionally, the method further comprises:

[0026] if the verification result indicates a verification pass, completing the joint transaction;

[0027] if the verification result indicates a verification failure, displaying prompt information; wherein the prompt information is used to indicate a transaction failure.

[0028] Optionally, before displaying the prompt information, the method further comprises:

[0029] re-executing the step of responding to the transaction request information until a preset number threshold is reached.

[0030] In a second aspect, the present application provides a joint transaction processing device, the device comprising:

[0031] a receiving unit configured to receive transaction request information of a user, wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects;

[0032] a responding unit configured to, in response to the transaction request information, invoke a smart contract to determine transaction subjects involved in the joint transaction and transaction amounts of the transaction subjects, and call feature vectors of user identity authentication information uploaded by the transaction subjects;

[0033] a processing unit configured to generate target verification data according to the transaction amounts of the transaction subjects and the feature vectors;

[0034] a verification unit configured to determine a verification result of the joint transaction according to the target verification data;

[0035] an execution unit configured to execute the joint transaction according to the verification result.

[0036] In a third aspect, the present application provides an electronic device, the electronic device comprising a processor and a memory connected with the processor in communication;

[0037] the memory stores computer execution instructions;

[0038] the processor executes the computer execution instructions stored in the memory to implement the method as described above.

[0039] In a fourth aspect, the present application provides a computer readable storage medium, the computer readable storage medium storing computer execution instructions, the computer execution instructions being executed by a processor to implement the method as described above.

[0040] In a fifth aspect, the present application provides a computer program product, comprising a computer program, the computer program being executed by a processor to implement the method as described above.

[0041] The joint transaction processing method, device, equipment, storage medium and program product provided by the application, the method comprises: receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects; in response to the transaction request information, calling an intelligent contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of the transaction subjects, and calling feature vectors of user identity verification information uploaded by the transaction subjects; generating target verification data according to the transaction amounts of the transaction subjects and the feature vectors; determining a verification result of the joint transaction according to the target verification data; and executing the joint transaction according to the verification result. The scheme of the application completes identity verification through the feature vectors of user identity verification information, which not only effectively prevents identity fraud and unauthorized transactions, improves the security of transactions, but also reduces the risk of direct leakage of user identity verification information and protects the privacy of transaction participants. In addition, the use of intelligent contracts to automatically process joint transactions also reduces the time for manual intervention and manual review, and based on the intelligent contract, the transaction subjects can be quickly identified, the transaction amounts can be calculated, and the verification data can be automatically generated and verified, thereby accelerating the transaction processing speed and improving the transaction processing efficiency. BRIEF DESCRIPTION OF DRAWINGS

[0042] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the application and serve to explain the principles of the application.

[0043] Figure 1 A flowchart of a joint transaction processing method provided by an embodiment of the application;

[0044] Figure 2 A flowchart of another joint transaction processing method provided by an embodiment of the application;

[0045] Figure 3 A structural diagram of a joint transaction processing device provided by an embodiment of the application;

[0046] Figure 4 A structural diagram of an electronic device provided by an embodiment of the application.

[0047] The above-described drawings have shown the specific embodiments of the application, and the following will have a more detailed description. These drawings and textual descriptions are not intended to limit the scope of the concept of the application by any means, but to illustrate the concept of the application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0048] The exemplary embodiments will be described in detail herein with reference to the attached drawings. In the following description, like reference numerals refer to like elements, unless indicated otherwise. The following description of exemplary embodiments is not representative of all embodiments consistent with the present application. Rather, it is merely an example of apparatus and methods consistent with some aspects of the present application as detailed in the appended claims.

[0049] It should be noted that the user information (including but not limited to user equipment information, user personal information, etc.) and data (including but not limited to data for analysis, stored data, displayed data, etc.) involved in the present application are all information and data authorized by the user or authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of related data comply with relevant laws, regulations and standards of relevant countries and regions, necessary security measures are taken, public order and good customs are not violated, and appropriate operation portals are provided for users to choose authorization or refusal.

[0050] And the present application involves big data analysis of user information (including but not limited to personal biological characteristics, identity data, consumption data, asset data, electronic terminal operation data, etc.), and uses artificial intelligence technology for automatic decision-making, and makes technical solutions based on automatic decision-making results that have a significant impact on personal rights and interests, provides appropriate operation portals for users to choose to agree or refuse automatic decision-making results; if the user chooses to refuse, the expert decision-making process is entered.

[0051] It should be noted that the joint transaction processing method, device, equipment, storage medium and program product provided by the present application can be used in the field of financial technology, and can also be used in any field other than the field of financial technology. The application field of the joint transaction processing method, device, equipment, storage medium and program product is not limited in the present application.

[0052] With the rapid development of financial technology and e-commerce, people's demand for transaction automation and convenience is increasingly prominent. In order to meet this demand, banks will cooperate with many third-party service providers to provide diversified services, such as providing water and electricity fee deduction, housing loan and car loan deduction, credit card repayment deduction and other services. This service mode of bank deduction not only simplifies the transaction process of users, but also improves the settlement efficiency between banks and third-party service providers.

[0053] The traditional deduction mode is usually that the bank establishes a cooperative relationship with a single service provider for one-to-one deduction operation. However, with the increase in the number of third-party service providers and the expansion of service types, this single deduction mode cannot meet the rapid and efficient processing demand. Therefore, a multi-party deduction system emerges as the times require.

[0054] Among them, based on the multi-party withholding system, banks can establish connections with multiple third-party service providers through a unified interface or platform to implement batch and automated withholding operations. This type of system not only reduces the cumbersome docking process between banks and third-party service providers, but also improves the processing efficiency of withholding business. Through the multi-party withholding system, banks can also monitor the withholding status in real time, improving the accuracy and security of transactions. Of course, to ensure transaction security, security verification is still an essential process during the execution of the transaction.

[0055] In traditional transaction processing, security verification typically requires each transacting party (i.e., third-party service provider) to perform separate user identity verification and transaction confirmation. Banks must obtain user identity verification information, such as manual signatures and facial data, uploaded by the third-party service provider and then compare and verify it with the user identity verification information pre-stored on the blockchain by the third-party service provider. While this approach offers a relatively high level of transaction security, it also carries the risk of direct leakage of user identity verification information.

[0056] In order to solve the above technical problems, the embodiment of the present application provides a new joint transaction processing method. On the one hand, the present application only pre-stores the characteristic vector of the user identity authentication information instead of directly storing the user identity authentication information. In this way, when performing identity authentication, the characteristic vector of the user identity authentication information is also retrieved, which greatly reduces the risk of direct leakage of the user identity authentication information and improves the security of the user identity authentication information; on the other hand, the present application also generates target verification data based on the transaction amount of each transaction subject in the joint transaction, so as to improve the credibility of the data, thereby also improving transaction security to a certain extent.

[0057] The following specific embodiments describe in detail the technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0058] Figure 1A flowchart of a joint transaction processing method provided by an embodiment of the present application is shown. The execution subject of the embodiment of the present application may, for example, be a joint transaction processing device, which may be located on a server or other electronic device running a bank transaction processing system. The electronic device may be a mobile terminal such as a notebook computer, and the embodiment of the present application does not limit the execution subject. In order to improve transaction security, the bank transaction processing system may also be deployed on a blockchain, and the processing process of the joint transaction is completed based on the blockchain. This not only improves transaction transparency, but also improves transaction security, and can meet the fast, efficient and secure processing needs of users. Therefore, the execution subject of the embodiment of the present application may also be a blockchain, and the embodiment of the present application does not limit the execution subject.

[0059] The embodiment of the present application takes the joint transaction processing device as an example to illustrate in detail. As shown in Figure 1 The joint transaction processing method provided by the embodiment of the present application may include the following steps.

[0060] S101, receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects.

[0061] The joint transaction in the present application is a transaction involving multiple transaction subjects, and the transaction subject refers to a third-party service provider cooperating with the bank. The third-party service provider can provide diversified services such as water and electricity fee deduction, mortgage and car loan deduction, credit card repayment deduction, etc. The transaction request information in the embodiment of the present application is joint transaction request information. The joint transaction processing device of the embodiment of the present application can receive transaction request information from the user through a pre-set interface or portal. The interface may be an API endpoint, a Web form, or other communication channels (such as a message system, etc.), and the embodiment of the present application does not limit the interface.

[0062] The transaction request information of the user includes information required for performing the joint transaction, such as user information (including the user's name, contact information, account information, etc.), transaction time, transaction purpose (i.e. transaction business type, purpose or reason), payee information (such as merchant name, merchant number or other identification information to identify the payee), transaction subject, transaction amount of each transaction subject, etc. These information can ensure that the joint transaction can be accurately and smoothly performed, and meet the requirements of relevant laws, regulations and agreements. In actual scenarios, the specific information may be different for different financial institutions, and the embodiment of the present application does not limit the specific information.

[0063] Optionally, the user's transaction request information can be sent by the user in real time. For example, the user can select the deduction business he wants to execute according to actual needs, and then initiate the transaction request through a function key like "one-click deduction"; in addition, the user's transaction request information can also be sent regularly based on a scheduled sending function. The user can pre-set the transaction business and transaction time of the joint transaction, and the system will then send the user's transaction request regularly, etc.; this embodiment of the present application is not limited.

[0064] S102. In response to the transaction request information, the smart contract is called to determine the transaction entities involved in the joint transaction and the transaction amounts of each transaction entity, and the feature vector of the user identity verification information uploaded by each transaction entity is retrieved.

[0065] Exemplarily, after the joint transaction processing device of the embodiment of the present application receives the user's transaction request information, it will parse and respond to the user's transaction request information and execute the user's transaction request. Specifically, the joint transaction processing device will call the smart contract pre-deployed on the blockchain, wherein the smart contract is a self-executing code that can automatically execute transactions according to preset conditions. In the embodiment of the present application, based on the smart contract, the transaction subjects involved in the joint transaction and the transaction amount of each transaction subject can be determined. After determining the transaction subjects involved in the joint transaction, the joint transaction processing device of the embodiment of the present application can retrieve the feature vector of the user identity verification information stored in the blockchain that was pre-uploaded by each transaction subject to perform identity verification.

[0066] Among them, the user identity authentication information may include one or more of the user's facial information, fingerprint information, manual signature, pupil information, etc. that can be used to verify the user's identity, and the embodiments of this application are not limited thereto.

[0067] It should be noted that regardless of whether each transaction subject uploads user identity verification information or feature vectors of user identity verification information in advance when signing a contract with the bank, in this application, they will be converted into feature vectors of user identity verification information. In other words, what is stored in the blockchain are feature vectors of user identity verification information, rather than the user identity verification information itself. Based on this, not only can security verification be completed, but the risk of user identity verification information being directly leaked during identity verification is also reduced.

[0068] S103: Generate target verification data based on the transaction amount and feature vector of each transaction subject.

[0069] For example, the target verification data is key data for identity verification. To improve the accuracy of identity verification, more accurate target verification data needs to be generated. In this embodiment of the present application, the joint transaction processing device can generate target verification data based on the transaction amount of each transaction subject and the feature vector of the user identity verification information uploaded by each transaction subject.

[0070] Optionally, in a possible implementation, the target verification data is generated according to the transaction amount and the feature vector of each transaction subject, which can include:

[0071] S1, determining the weight of the feature vector corresponding to each transaction subject according to the transaction amount of each transaction subject;

[0072] S2, generating the target verification data according to the feature vector and the weight corresponding to each transaction subject.

[0073] For example, the size of the transaction amount of each transaction subject reflects the economic participation degree of each subject in the joint transaction, and the larger the transaction amount, the higher the participation degree. According to the transaction amount of each transaction subject, the weight of the feature vector corresponding to each transaction subject can be determined, for example, the sum of the transaction amounts of all transaction subjects can be calculated, and for each transaction subject, the weight of its feature vector can be calculated according to the proportion of its transaction amount to the total amount, which reflects the relative importance of each transaction subject in the entire transaction.

[0074] Further, the target verification data can be generated according to the feature vector and the weight corresponding to each transaction subject. Specifically, the calculated weight of each transaction subject can be applied to its feature vector, and then the weighted feature vectors of all transaction subjects can be integrated to form a comprehensive feature vector, and the comprehensive feature vector can be fused and encrypted to obtain the target verification data.

[0075] By determining the weight of the feature vector corresponding to each transaction subject according to the transaction amount of each transaction subject, and then generating the target verification data according to the feature vector and the weight corresponding to each transaction subject, a weighted scheme is adopted, which can generate a target verification data reflecting the relative importance of the transaction subject, which not only improves the security and uniqueness of the verification data, but also enhances the overall reliability and trustworthiness of the transaction system.

[0076] S104, determining the verification result of the joint transaction according to the target verification data.

[0077] For example, identity verification is a key step to execute a transaction. According to the generated target verification data, the user identity verification is completed, and the verification result of the joint transaction is determined.

[0078] Optionally, in a possible implementation, the target verification data is generated according to the transaction amount and the feature vector of each transaction subject, which can include:

[0079] S10, comparing the target verification data with the feature vector of the pre-stored user identity authentication information of each transaction subject to determine the similarity corresponding to each transaction subject;

[0080] S20, determine a comprehensive similarity according to the similarity corresponding to each transaction subject;

[0081] S30, if the comprehensive similarity is greater than or equal to a preset value, determine that the verification result of the joint transaction indicates that the verification passes;

[0082] S40, if the comprehensive similarity is less than the preset value, determine that the verification result of the joint transaction indicates that the verification fails.

[0083] Exemplarily, in the joint transaction, it is crucial to ensure the authenticity and integrity of the transaction. By comparing the target verification data with the user identity authentication information provided by the transaction subject, the legality of the transaction can be effectively verified.

[0084] Specifically, the target verification data is compared with the feature vector of the pre-stored user identity authentication information of each transaction subject to calculate the similarity. The similarity can be calculated using various methods, such as cosine similarity, Euclidean distance, or Pearson correlation coefficient, and the embodiments of the present application are not limited. According to the similarity corresponding to each transaction subject, a comprehensive similarity can be determined, which is used to indicate the overall verification result of the joint transaction.

[0085] Optionally, in one possible embodiment, according to the similarity corresponding to each transaction subject, the comprehensive similarity can include:

[0086] S211, determine the average value of the similarity according to the similarity corresponding to each transaction subject;

[0087] S212, determine the average value as the comprehensive similarity.

[0088] Exemplarily, after obtaining the similarity corresponding to each transaction subject, the average value of these similarity values can be calculated, and the average value of the similarity is taken as the comprehensive similarity. By calculating the average value of the similarity between the transaction subjects, a simplified way is provided to evaluate the overall verification result of the joint transaction, and this method is not only simple to calculate, but also easy to understand and apply.

[0089] Optionally, in another possible embodiment, according to the similarity corresponding to each transaction subject, the comprehensive similarity can include:

[0090] S221, determine the product of the similarity corresponding to the transaction subject and the weight of the feature vector corresponding to the transaction subject, and determine the sum of each product as the comprehensive similarity.

[0091] Exemplarily, the similarity of each transaction subject can be calculated by weighting the transaction amount, to obtain a comprehensive similarity. Specifically, for the similarity of each transaction subject, the product of the similarity and the weight of the corresponding feature vector is calculated to adjust the similarity value, so that it reflects the importance of the corresponding transaction amount, and then the results of all products are added to obtain a comprehensive similarity value, which represents the overall verification result of the joint transaction considering the weights of each feature. Through this method, the comprehensive similarity not only considers the verification result of each transaction subject, but also combines the importance of the feature vector of the user identity verification information uploaded by each transaction subject, thereby providing a more comprehensive and accurate evaluation scheme and improving the accuracy of the comprehensive similarity.

[0092] Exemplarily, if the comprehensive similarity is greater than or equal to a preset value, it indicates that the user identity verification information uploaded by the transaction subject is highly consistent with the target verification data, and the transaction is considered to be legal, and the verification is considered to be passed. If the comprehensive similarity is less than the preset value, it indicates that the user identity verification information uploaded by the transaction subject is inconsistent with the target verification data, and there may be a risk of data tampering, and the verification is considered to fail. The specific value of the preset value is not limited in the embodiments of the present application, which can be set according to the security requirements and historical data of the system.

[0093] Through similarity calculation and comprehensive judgment, a flexible and reliable transaction verification mechanism is provided, which can effectively verify the authenticity and integrity of the joint transaction, and can improve the security and legality of the transaction.

[0094] S105, performing the joint transaction according to the verification result.

[0095] Exemplarily, the verification result indicates whether the user identity verification information uploaded by each transaction subject is authenticated. The subsequent processing flow of the joint transaction will be different according to the verification result.

[0096] Optionally, performing the joint transaction according to the verification result can include:

[0097] S100, if the verification result indicates that the verification is passed, completing the joint transaction;

[0098] S200, if the verification result indicates that the verification fails, displaying prompt information; wherein the prompt information is used to indicate that the transaction fails.

[0099] Exemplarily, if the check result indicates that the check passes, it indicates that the user identity verification information uploaded by the transaction subject is highly consistent with the target check data, and the user identity verification passes. The joint transaction processing device of the embodiment of the present application can perform the subsequent steps of completing the joint transaction. For example, if the joint transaction is a deduction transaction involving water and electricity fee deduction, mortgage and car loan deduction, and credit card repayment deduction, the deduction system can be notified to transfer money to the transaction subject party of the water and electricity fee deduction, the transaction subject party of the mortgage and car loan deduction, and the transaction subject party of the credit card repayment deduction, respectively, to complete the subsequent deduction operation. If the check result indicates that the check fails, it indicates that the user identity verification information uploaded by the transaction subject is inconsistent with the target check data, and the user identity verification does not pass. At this time, prompt information can be displayed to prompt the user and the transaction subject that the current transaction fails.

[0100] Through this decision-making process based on the check result, the success and failure of the transaction can be effectively managed, and it is ensured that the transaction is only executed under the condition of meeting the conditions, thereby improving the security and reliability of the transaction. At the same time, by providing clear prompt information, the user can also better understand the transaction status and take corresponding actions, thereby improving the user transaction experience.

[0101] Optionally, in a possible embodiment, in order to improve the transaction success rate, before displaying the prompt information, the joint transaction processing method provided by the embodiment of the present application can further include: performing the step of responding to the transaction request information again until a preset number threshold is reached.

[0102] Exemplarily, in order to improve the transaction success rate of the joint transaction, when the check result indicates that the check fails, several attempts can be made to re-respond to the user's transaction request information, and the check result is determined again until the preset number threshold is reached, and then the prompt information is displayed. The value of the preset number threshold is not limited by the embodiment of the present application. For example, it can be 3 times. After responding to the user's transaction request information 3 times repeatedly, if all 3 times are check failures, the prompt information is displayed. Through the repeated response mode, the transaction failure caused by processing exceptions can be avoided, thereby improving the transaction success rate of the joint transaction.

[0103] The joint transaction processing method provided by the embodiments of the present application can include the following steps: receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects; in response to the transaction request information, calling a smart contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of the transaction subjects, and calling feature vectors of user identity authentication information uploaded by the transaction subjects; generating target verification data according to the transaction amounts of the transaction subjects and the feature vectors; determining a verification result of the joint transaction according to the target verification data; and executing the joint transaction according to the verification result. The scheme of the present application completes identity authentication through the feature vectors of the user identity authentication information, which not only effectively prevents identity fraud and unauthorized transactions, improves the security of transactions, but also reduces the risk of direct leakage of user identity authentication information and protects the privacy of transaction participants. In addition, the use of the smart contract to automatically process the joint transaction also reduces the time for manual intervention and manual review, and based on the smart contract, the transaction subjects can be quickly identified, the transaction amounts can be calculated, and the verification data can be automatically generated and verified, thereby accelerating the transaction processing speed and improving the transaction processing efficiency.

[0104] Figure 2 The flowchart of another joint transaction processing method provided by the embodiments of the present application is shown in FIG. 2. Figure 2 As shown in FIG. 2, the joint transaction processing method provided by the embodiments of the present application can include the following steps:

[0105] S201, receiving transaction request information of a user; wherein the transaction request information is joint transaction request information, and the joint transaction is a transaction involving multiple transaction subjects.

[0106] S202, in response to the transaction request information, calling a smart contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of the transaction subjects, and calling feature vectors of user identity authentication information uploaded by the transaction subjects.

[0107] S203, determining the weights of the feature vectors corresponding to the transaction subjects according to the transaction amounts of the transaction subjects.

[0108] S204, generating target verification data according to the feature vectors corresponding to the transaction subjects and the weights.

[0109] S205, comparing the target verification data with the feature vectors of the user identity authentication information pre-stored by the transaction subjects to determine the similarity corresponding to each transaction subject.

[0110] S206, determining a comprehensive similarity according to the similarity corresponding to each transaction subject.

[0111] S207, determining whether the comprehensive similarity is greater than or equal to a preset value.

[0112] If yes, step S208 is performed; if no, step S209 is performed, or step S202 is performed again until a preset number threshold is reached and step S209 is performed.

[0113] S208, completing the joint transaction.

[0114] S209, displaying prompt information; wherein the prompt information is used to indicate that the transaction fails.

[0115] It should be noted that the specific implementation of the above steps of the embodiment can refer to the detailed description of other embodiments, which will not be repeated here. In the joint transaction processing method in actual application, part or all of the above steps can be included, and the embodiments of the application are not limited.

[0116] The joint transaction processing method provided by the embodiment of the application completes identity verification through the feature vector of the user identity verification information, which not only effectively prevents identity fraud and unauthorized transactions, improves the security of the transaction, but also reduces the risk of direct leakage of user identity verification information, protects the privacy of the transaction participants; in addition, by using the smart contract to automatically process the joint transaction, the time of manual intervention and manual review is also reduced, based on the smart contract, the transaction subject can be quickly identified, the transaction amount can be calculated, and the verification data can be automatically generated and verified, thereby speeding up the transaction processing speed and improving the transaction processing efficiency.

[0117] The following is an apparatus embodiment of the application, which can be used to execute the method embodiments of the application. For details not disclosed in the apparatus embodiments of the application, please refer to the method embodiments of the application.

[0118] Figure 3 A structure diagram of a joint transaction processing device provided by an embodiment of the application is shown in FIG. 3. As shown in FIG. 3, the joint transaction processing device 30 provided by the embodiment of the application includes a receiving unit 301, a responding unit 302, a processing unit 303, a verification unit 304, and an executing unit 305. Figure 3

[0119] The receiving unit 301 is configured to receive the transaction request information of the user; wherein the transaction request information is the request information of the joint transaction, and the joint transaction is a transaction involving multiple transaction subjects;

[0120] The responding unit 302 is configured to respond to the transaction request information, call the smart contract to determine the transaction subjects involved in the joint transaction and the transaction amounts of the transaction subjects, and call the feature vectors of the user identity verification information uploaded by the transaction subjects;

[0121] The processing unit 303 is configured to generate target verification data according to the transaction amounts and the feature vectors of the transaction subjects;

[0122] ​A verification unit 304 is configured to determine a verification result of the joint transaction based on the target verification data;

[0123] The execution unit 305 is configured to execute the joint transaction according to the verification result.

[0124] The device provided in this embodiment can be used to execute the method of the above embodiment. Its implementation principle and technical effects are similar and will not be described in detail here.

[0125] Based on the above device embodiment, in some possible examples, the processing unit 303 is specifically configured to:

[0126] Determine the weight of the feature vector corresponding to each transaction subject based on the transaction amount of each transaction subject;

[0127] Generate target verification data based on the feature vectors and weights corresponding to each transaction entity.

[0128] Based on the above device embodiment, in some possible examples, the verification unit 304 is specifically configured to:

[0129] Compare the target verification data with the feature vectors of the user identity verification information pre-stored by each transaction subject to determine the similarity corresponding to each transaction subject;

[0130] Determine the comprehensive similarity based on the similarity corresponding to each transaction subject;

[0131] If the comprehensive similarity is greater than or equal to a preset value, then the verification result of the joint transaction is determined to indicate that the verification has passed;

[0132] If the comprehensive similarity is less than a preset value, it is determined that the verification result of the joint transaction indicates a verification failure.

[0133] Based on the above device embodiment, in some possible examples, the verification unit 304 is further specifically configured to:

[0134] Determine the average value of the similarities according to the similarities corresponding to each transaction subject;

[0135] Determine the average value as the comprehensive similarity.

[0136] Based on the above device embodiment, in some possible examples, the verification unit 304 is further specifically configured to:

[0137] The product of the similarity corresponding to the transaction subject and the weight of the feature vector corresponding to the transaction subject is determined, and the sum of the products is determined as the comprehensive similarity.

[0138] Based on the above device embodiment, in some possible examples, the execution unit 305 is further specifically configured to:

[0139] If the check result indicates that the check passes, the joint transaction is completed.

[0140] If the check result indicates that the check fails, prompt information is displayed; the prompt information is used to indicate that the transaction fails.

[0141] On the basis of the above-mentioned device embodiments, in some possible examples, the execution unit 305 is also specifically used for:

[0142] Before displaying the prompt information, the step of responding to the transaction request information is executed again until a preset number threshold is reached.

[0143] It should be noted that the division of each module of the above device is only a logical functional division, and all or part of the modules can be integrated into one physical entity, or can be physically separated. And these modules can all be implemented in the form of software called by the processing element; all can be implemented in the form of hardware; some modules can be implemented in the form of software called by the processing element, and some modules can be implemented in the form of hardware. In addition, the functions of the above data processing modules can also be stored in the memory of the above device in the form of program code, called and executed by a processing element of the above device. The implementation of other modules is similar. In addition, all or part of these modules can be integrated together, or can be independently implemented. The processing element here can be an integrated circuit with signal processing capability. In the implementation process, each step of the above method or each of the above modules can be completed by the integrated logic circuit of hardware or the instruction of software in the processing element.

[0144] Figure 4 A structural schematic diagram of an electronic device provided by an embodiment of the present application is shown in FIG. 4. As shown in FIG. 4, the electronic device 40 includes a processor 401 and a memory 402 in communication with the processor. Figure 4

[0145] The memory 402 stores computer execution instructions; the processor 401 executes the computer execution instructions stored in the memory 402 to implement the method of any one of the preceding embodiments.

[0146] ​In the specific implementation of the electronic device, it should be understood that the processor can be a central processing unit (CPU), and can also be other general-purpose processors, digital signal processors (DSP), application specific integrated circuits (ASIC), etc. The general-purpose processor can be a microprocessor, or the processor can also be any conventional processor, etc. The method disclosed in combination with the embodiments of the present application can be directly embodied as hardware processor execution, or executed by a combination of hardware and software modules in the processor.

[0147] The embodiments of the present application further provide a computer readable storage medium, which stores computer execution instructions. The computer execution instructions are executed by a processor to implement the method according to any one of the preceding embodiments.

[0148] Those skilled in the art can understand that all or part of the steps of the above-mentioned method embodiments can be completed by computer instruction related hardware. The foregoing program can be stored in a computer readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the foregoing storage medium includes ROM, RAM, magnetic disc or optical disc and various storage medium that can store program codes.

[0149] The embodiments of the present application further provide a computer program product, which includes a computer program. The computer program is executed by a processor to implement the method according to any one of the preceding embodiments.

[0150] It should be noted that, for the above-mentioned method embodiments, in order to simply describe, they are all expressed as a series of action combinations, but those skilled in the art should know that the present application is not limited to the action order described, because according to the present application, certain steps can be performed in other order or simultaneously. Secondly, those skilled in the art should know that the embodiments described in the specification all belong to optional embodiments, and the actions and modules involved are not necessarily required by the present application.

[0151] It should be further noted that, although the various steps in the flowchart are shown in sequence as indicated by the arrows, these steps are not necessarily performed in the order indicated by the arrows. Unless otherwise specified herein, there is no strict order restriction on the execution of these steps, and these steps may be performed in other orders. Moreover, at least a portion of the steps in the flowchart may include multiple sub-steps or multiple stages, and these sub-steps or stages are not necessarily performed at the same time, but may be performed at different times. The execution order of these sub-steps or stages is not necessarily to be performed in sequence, but may be performed in turn or alternately with other steps or at least a portion of the sub-steps or stages of other steps.

[0152] It should be understood that the above-described device embodiments are merely illustrative, and the device of the present application may also be implemented in other ways. For example, the division of units / modules in the above-described embodiments is merely a logical functional division, and actual implementations may employ other division methods. For example, multiple units, modules, or components may be combined or integrated into another system, or some features may be omitted or not implemented.

[0153] In addition, unless otherwise specified, the functional units / modules in the various embodiments of the present application may be integrated into a single unit / module, each unit / module may exist physically separately, or two or more units / modules may be integrated together. The aforementioned integrated units / modules may be implemented in the form of hardware or software program modules.

[0154] If the integrated unit / module is implemented in hardware, the hardware may be digital circuits, analog circuits, etc. The physical implementation of the hardware structure includes, but is not limited to, transistors, memristors, etc. Unless otherwise specified, the processor may be any appropriate hardware processor, such as a CPU, GPU, FPGA, DSP, and ASIC. Unless otherwise specified, the storage unit may be any appropriate magnetic storage medium or magneto-optical storage medium, such as resistive random access memory (RRAM), dynamic random access memory (DRAM), static random access memory (SRAM), enhanced dynamic random access memory (EDRAM), high-bandwidth memory (HBM), hybrid memory cube (HMC), etc.

[0155] If the integrated units / modules are implemented in the form of software program modules and sold or used as independent products, they can be stored in a computer readable memory. Based on such understanding, the technical solutions of the present application essentially or the part that contributes to the prior art or the whole or part of the technical solutions can be embodied in the form of a software product. The computer software product is stored in a memory and includes a number of instructions for causing a computer device (which can be a personal computer, a server or a network device, etc.) to execute all or part of the steps of the embodiments of the method of the present application. The aforementioned memory includes: a U disk, a read-only memory (ROM, Read-Only Memory), a random access memory (RAM, Random Access Memory), a mobile hard disk, a magnetic disk or an optical disk, and various media that can store program codes.

[0156] In the above embodiments, the description of each embodiment has its own focus, and the parts not described in detail in a certain embodiment can be referred to the related description of other embodiments. The technical features of the above embodiments can be combined arbitrarily. In order to make the description concise, not all possible combinations of the technical features in the above embodiments are described, however, as long as the combinations of the technical features do not exist contradictory, they should be considered as the scope of the present application.

[0157] Other embodiments of the application will be apparent to those skilled in the art from consideration of the specification and practice of the application disclosed herein. The application is intended to cover any variations, uses or adaptations of the application following, in general, the principles of the application and including such departures from the present disclosure as come within known or customary practice in the art to which the application pertains or can relate. The specification and examples are to be regarded as exemplary only, and the true scope and spirit of the application are indicated by the following claims.

[0158] It should be understood that the application is not limited to the precise construction that has been described above and shown in the accompanying drawings, and that various modifications and changes can be made by those skilled in the art without departing from the scope of the application. The scope of the application is limited only by the appended claims.

Claims

1. A joint transaction processing method, characterized in that: The method comprises: Receiving transaction request information from a user; wherein the transaction request information is request information for a joint transaction, and the joint transaction is a transaction involving multiple transaction entities; In response to the transaction request information, calling a smart contract to determine the transaction entities involved in the joint transaction and the transaction amounts of each of the transaction entities, and retrieving a feature vector of the user identity verification information uploaded by each of the transaction entities; generating target verification data according to the transaction amount of each transaction subject and the characteristic vector; determining a verification result of the joint transaction according to the target verification data; executing the joint transaction according to the verification result; Generating target verification data according to the transaction amount of each transaction subject and the feature vector, including: Determining the weight of the feature vector corresponding to each transaction subject according to the transaction amount of each transaction subject; generating target verification data according to the feature vectors corresponding to the transaction entities and the weights; Determining a verification result of the joint transaction according to the target verification data includes: Comparing the target verification data with the feature vectors of the user identity verification information pre-stored by each of the transaction entities to determine the similarity corresponding to each of the transaction entities; Determine the comprehensive similarity based on the similarities corresponding to the transaction entities; If the comprehensive similarity is greater than or equal to a preset value, determining that the verification result of the joint transaction indicates that the verification has passed; If the comprehensive similarity is less than the preset value, it is determined that the verification result of the joint transaction indicates a verification failure.

2. The method according to claim 1, characterized in that Determine the comprehensive similarity based on the similarities corresponding to the transaction entities, including: Determining an average value of the similarities according to the similarities corresponding to the transaction entities; The average value is determined as the comprehensive similarity.

3. The method according to claim 1, characterized in that Determine the comprehensive similarity based on the similarities corresponding to the transaction entities, including: The product of the similarity corresponding to the transaction subject and the weight of the feature vector corresponding to the transaction subject is determined, and the sum of the products is determined as the comprehensive similarity.

4. The method according to any one of claims 1 to 3, characterized in that Executing the joint transaction according to the verification result includes: If the verification result indicates that the verification is passed, completing the joint transaction; If the verification result indicates that the verification has failed, a prompt message is displayed; wherein the prompt message is used to indicate that the transaction has failed.

5. The method according to claim 4, characterized in that Before displaying the prompt information, the method further includes: The step of responding to the transaction request information is executed again until a preset number threshold is reached.

6. A joint transaction processing device, characterized in that: The device comprises: A receiving unit, configured to receive transaction request information from a user; wherein the transaction request information is request information for a joint transaction, and the joint transaction is a transaction involving multiple transaction entities; a response unit, configured to, in response to the transaction request information, call a smart contract to determine the transaction entities involved in the joint transaction and the transaction amounts of each of the transaction entities, and retrieve a feature vector of the user identity verification information uploaded by each of the transaction entities; a processing unit configured to generate target verification data based on the transaction amount of each transaction subject and the feature vector; and a verification unit configured to determine a verification result of the joint transaction based on the target verification data; an execution unit, configured to execute the joint transaction according to the verification result; The processing unit is specifically configured to: determine the weight of the feature vector corresponding to each transaction subject according to the transaction amount of each transaction subject; and generate target verification data according to the feature vector corresponding to each transaction subject and the weight; The verification unit is specifically used to: compare the target verification data with the feature vectors of the user identity authentication information pre-stored by each of the transaction entities to determine the similarity corresponding to each of the transaction entities; determine the comprehensive similarity based on the similarity corresponding to each of the transaction entities; if the comprehensive similarity is greater than or equal to a preset value, determine that the verification result of the joint transaction indicates that the verification has passed; if the comprehensive similarity is less than the preset value, determine that the verification result of the joint transaction indicates that the verification has failed.

7. An electronic device, characterized in that: include: a processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 5.

8. A computer-readable storage medium, characterized in that The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 5 when executed by a processor.

9. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 5 when executed by a processor.

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