Financial transaction verification method and system based on block chain network, and electronic equipment

Abstract

The invention discloses a financial transaction verification method and system based on a block chain network, and electronic equipment, and relates to the technical field of block chains or other related fields, and the method comprises the steps: obtaining an attribute set of a transaction party and a to-be-transacted party, verifying the attribute set through financial qualification authentication and a financial institution node, and generating an identity label; performing feature extraction on the transaction information to obtain a primary standard feature, and performing interval value positioning processing on the primary standard feature to obtain a secondary standard feature; carrying out feature extraction on the transaction response information to obtain a first feature, and carrying out first verification based on the identity label, the first feature and a first standard feature; and performing interval value positioning processing on the transaction response information after the first verification is passed to obtain a second feature, performing second verification based on the second feature and a second standard feature, and binding the product data to the transaction party after the second verification is passed. The technical problem that in the related technology, a financial transaction verification mode depends on a verification center, and information leakage of two transaction parties is easily caused is solved.

Description

Technical Field

[0001] The present invention relates to the field of blockchain technology or other related fields, and in particular to a financial transaction verification method and system, and electronic equipment based on a blockchain network. Background Art

[0002] With the development of Internet technology, there are more and more types of Internet financial services, and the blockchain network has been widely used in many financial business fields such as securities trading, e-commerce, equity crowdfunding, etc. due to its advantages of decentralization, openness, transparency, immutability, and trustworthiness. In the processing of financial services based on the blockchain network, the relevant financial business transaction data is stored on the blockchain. In the process of storing financial business transaction data on the blockchain, there are security issues such as illegal attacks and data tampering.

[0003] In the related technology, in the process of uploading financial business transaction data, it is necessary to verify both parties to the transaction in order to ensure the authenticity and validity of the financial transaction. However, the conventional financial transaction verification method relies on a unified verification center, where the financial business transaction data is concentrated and the verification center decides whether the transaction is verified. When the verification center is illegally attacked, the privacy information of both parties to the transaction can be easily changed or even leaked. That is, the conventional financial transaction verification method has a serious problem of centralization, which is prone to security situations where the information of both parties to the transaction is leaked.

[0004] To address the above-mentioned problems, no effective solution has been proposed yet. Summary of the invention

[0005] The embodiments of the present invention provide a financial transaction verification method and system, and an electronic device based on a blockchain network, so as to at least solve the technical problem in the related art that the financial transaction verification method relies on a verification center, which easily leads to information leakage of both parties to the transaction.

[0006] In order to achieve the above-mentioned purpose, according to one aspect of the present application, a financial transaction verification method based on a blockchain network is provided, and the blockchain network includes: a financial qualification authentication node and a financial institution node, including: obtaining an attribute set of a transaction party and a transaction party, and the financial qualification authentication node and the financial institution node verify the attribute set, and if the verification passes, generating an identity identification of the transaction party and the transaction party based on the attribute set, wherein the attribute set includes: identity information, credit score and qualification authentication information; obtaining transaction requirement information uploaded by the transaction party, performing feature extraction on the transaction requirement information to obtain a first-level verification standard feature, performing standard interval value positioning processing on the first-level verification standard feature to obtain a second-level verification standard feature, wherein the transaction requirement information includes: the transaction party provides The transaction conditions and transaction information, the standard interval value positioning processing refers to defining the feature level according to the numerical value of the single-verification standard feature; obtaining the financial transaction request initiated by the transaction party, extracting the features of the transaction requirement response information in the financial transaction request, and obtaining the single-verification feature, and performing single-verification based on the identity identification of the transaction party and the transaction party, the single-verification feature and the single-verification standard feature, wherein the transaction requirement response information includes: the transaction conditions and transaction information provided by the transaction party; if the single-verification is passed, the transaction requirement response information is positioned with the standard interval value to obtain the double-verification feature, and double-verification is performed based on the double-verification feature and the double-verification standard feature, and if the double-verification is passed, the financial digital product data provided by the transaction party is bound to the transaction party.

[0007] Optionally, the step of obtaining the attribute sets of the transaction parties and the parties to be traded includes: obtaining behavioral data of the transaction parties and the parties to be traded at the financial qualification authentication node and the financial institution node, wherein the behavioral data includes: financial transaction information, credit information; extracting the attributes of the transaction parties from the behavioral data of the transaction parties, and integrating all the extracted attributes into the attribute set of the transaction parties; extracting the attributes of the party to be traded from the behavioral data of the party to be traded, and integrating all the extracted attributes into the attribute set of the party to be traded.

[0008] Optionally, the step of generating the identity of the transaction party and the party to be transacted based on the attribute set includes: allocating private keys and public keys to the transaction parties and the parties to be transacted, wherein the private keys of different transaction parties and parties to be transacted are different; for each transaction party or party to be transacted, encapsulating the corresponding attribute set, private key and public key into an identity document, and generating the identity of the transaction party or the party to be transacted based on the identity document.

[0009] Optionally, the step of extracting features from the transaction requirement response information in the financial transaction request to obtain a single-verification feature includes: extracting features from the transaction requirement response information, and verifying the extracted features based on the attribute set of the transaction parties; if the verification passes, determining the extracted features as the single-verification features.

[0010] Optionally, the step of performing a single-verification based on the identity identifiers of the transaction party and the party to be transacted, the single-verification feature and the single-verification standard feature includes: authenticating the identity identifiers of the transaction party and the party to be transacted, and if the identity authentication is passed, calculating the similarity value between the single-verification feature and the single-verification standard feature; when the similarity value is equal to the target value, determining that the single-verification is passed.

[0011] Optionally, the step of performing double verification based on the double verification feature and the double verification standard includes: comparing the feature level corresponding to the double verification feature with the feature level corresponding to the double verification standard feature, and when the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature, determining that the double verification is passed.

[0012] Optionally, when multiple transaction parties initiate financial transaction requests, the step of binding the financial digital product data to the transaction parties includes: when the transaction party passes the double verification, obtaining the time point when the transaction party passes the double verification; and determining the transaction party corresponding to the earliest time point that passes the double verification as the binding party of the financial digital product data.

[0013] According to another aspect of an embodiment of the present invention, a financial transaction verification system based on a blockchain network is also provided, wherein the blockchain network includes: a financial qualification authentication node and a financial institution node, including: an identification generation unit, including: an attribute analysis module, an identification generation module, wherein the attribute analysis module is used to obtain the behavior data of the transaction party and the party to be traded at the financial qualification authentication node and the financial institution node, and generate an attribute set based on the behavior data; the identification generation module is used for the financial qualification authentication node and the financial institution node to verify the attribute set, and if the verification is passed, to generate the identity identification of the transaction party and the party to be traded based on the attribute set; the transaction processing unit includes: a broadcast analysis module, a response feature analysis module and a response feedback module, wherein the broadcast analysis module is used to obtain the transaction requirement information uploaded by the party to be traded, perform feature extraction on the transaction requirement information, and obtain a single verification standard feature. , and performs standard interval value positioning processing on the single-verification standard feature to obtain the double-verification standard feature; the response feature analysis module is used to obtain the financial transaction request initiated by the transaction party, and extract features from the transaction requirement response information in the financial transaction request to obtain the single-verification feature; the response feedback module performs single-verification based on the identity identification of the transaction party and the transaction party, the single-verification feature and the single-verification standard feature; the transaction verification unit includes: a feature verification module, a response comparison module and a financial binding module, wherein the feature verification module is used to perform standard interval value positioning processing on the transaction requirement response information when the single-verification passes, and obtain the double-verification feature; the response comparison module performs double-verification based on the double-verification feature and the double-verification standard feature; the financial binding module is used to bind the financial digital product data provided by the transaction party to the transaction party when the double-verification passes.

[0014] Optionally, the attribute analysis module includes: a first acquisition submodule, used to acquire the behavioral data of the transaction party and the party to be traded at the financial qualification authentication node and the financial institution node, wherein the behavioral data includes: financial transaction information, credit information; a first integration submodule, used to extract the attributes of the transaction party from the behavioral data of the transaction party, and integrate all the extracted attributes into an attribute set of the transaction party; a second integration submodule, used to extract the attributes of the party to be traded from the behavioral data of the party to be traded, and integrate all the extracted attributes into an attribute set of the party to be traded.

[0015] Optionally, the identification generation module includes: an allocation submodule, used to allocate private keys and public keys to the transaction parties and the parties to be traded, wherein the private keys of different transaction parties and parties to be traded are different; an encapsulation submodule, for each transaction party or party to be traded, encapsulating the corresponding attribute set, the private key and the public key into an identity document, and generating an identity identification of the transaction party or the party to be traded based on the identity document.

[0016] Optionally, the broadcast analysis module includes: a verification submodule, used to extract features from the transaction request response information and verify the extracted features based on the attribute set of the transaction party; and a first determination submodule, used to determine the extracted features as the first verification features if the verification passes.

[0017] Optionally, the response feedback module includes: a calculation submodule, used to authenticate the identity of the transaction party and the party to be traded, and when the identity authentication is passed, calculate the similarity value between the single-verification feature and the single-verification standard feature; a first judgment submodule, used to judge that the single-verification is passed when the similarity value is equal to the target value.

[0018] Optionally, the response comparison module includes: a second determination submodule, used to compare the feature level corresponding to the double verification feature with the feature level corresponding to the double verification standard feature, and determine that the double verification is passed when the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature.

[0019] Optionally, the financial binding module includes: a second acquisition submodule, used to obtain the time point when the transaction party passes the double verification when the transaction party passes the double verification; a second determination submodule, used to determine the transaction party corresponding to the earliest time point that passes the double verification as the binding party of the financial digital product data.

[0020] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is also provided, wherein the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the above-mentioned financial transaction verification methods based on the blockchain network.

[0021] According to another aspect of an embodiment of the present invention, there is also provided an electronic device, comprising one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement any one of the above-mentioned financial transaction verification methods based on a blockchain network.

[0022] According to another aspect of an embodiment of the present invention, a computer program product is also provided, including a computer program, which, when executed by a processor, implements the steps of any one of the above-mentioned financial transaction verification methods based on a blockchain network.

[0023] In the present disclosure, by obtaining the attribute sets of the transaction party and the transaction party, the financial qualification authentication node and the financial institution node verify the attribute sets. If the verification is successful, the identity identifiers of the transaction party and the transaction party are generated based on the attribute sets. Then, the transaction requirement information uploaded by the transaction party is obtained, and the transaction requirement information is extracted to obtain a single-verification standard feature. The single-verification standard feature is positioned with a standard interval value to obtain a double-verification standard feature. Then, the financial transaction request initiated by the transaction party is obtained, and the transaction requirement response information in the financial transaction request is extracted to obtain a single-verification feature. A single-verification is performed based on the identity identifiers of the transaction party and the transaction party, the single-verification feature and the single-verification standard feature. Then, if the single-verification is successful, the transaction requirement response information is positioned with a standard interval value to obtain a double-verification feature. A double-verification is performed based on the double-verification feature and the double-verification standard feature. If the double-verification is successful, the financial digital product data provided by the transaction party is bound to the transaction party.

[0024] Based on the above-mentioned public content, the decentralized identity identification of both parties to the transaction is generated by using the financial qualification authentication node and the financial institution node. When conducting financial transactions, the decentralized identity identification verification is used to achieve security verification without leaking the information of both parties to the transaction. At the same time, combined with the comparison of transaction requirement information and transaction requirement response information, dual verification of identity identification and transaction information is achieved, which improves the security and accuracy of financial transactions, and further solves the technical problem in related technologies that the financial transaction verification method relies on the verification center, which is easy to cause information leakage of both parties to the transaction. BRIEF DESCRIPTION OF THE DRAWINGS

[0025] The drawings described herein are used to provide a further understanding of the present invention and constitute a part of this application. The exemplary embodiments of the present invention and their descriptions are used to explain the present invention and do not constitute an improper limitation of the present invention. In the drawings:

[0026] Figure 1 A hardware structure block diagram of a computer terminal (or mobile device) for implementing a financial transaction verification method based on a blockchain network is shown;

[0027] Figure 2 is a flowchart of an optional financial transaction verification method based on a blockchain network according to an embodiment of the present invention;

[0028] Figure 3 is a schematic diagram of an optional financial transaction verification system based on a blockchain network according to an embodiment of the present invention;

[0029] Figure 4 is a schematic diagram of an optional identification generation unit according to an embodiment of the present invention;

[0030] Figure 5 is a schematic diagram of an optional transaction processing unit according to an embodiment of the present invention;

[0031] Figure 6 is a schematic diagram of an optional transaction verification unit according to an embodiment of the present invention;

[0032] Figure 7 It is a structural block diagram of an electronic device according to an embodiment of the present application. DETAILED DESCRIPTION

[0033] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0034] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0035] It should be noted that the financial transaction verification method and system based on blockchain network in the present disclosure can be used in the field of blockchain technology. When financial transaction verification is performed based on blockchain network, it can also be used in any field outside the field of blockchain technology. When financial transaction verification is performed based on blockchain network, the present disclosure does not limit the application field of the financial transaction verification method and system based on blockchain network.

[0036] It should be noted that the information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) collected by this disclosure are information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data are in compliance with the relevant laws, regulations and standards of the relevant regions, necessary confidentiality measures are taken, and public order and good customs are not violated, and corresponding operation portals are provided for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or organizations. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or organization through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or organization.

[0037] It should be noted that in the present disclosure, when collecting and analyzing customer information, corresponding operation entrances are provided for users to choose to agree or reject the automated decision results; if the user chooses to reject, the expert decision-making process is entered.

[0038] The following embodiments of the present invention can be applied to various financial transaction verification systems / applications / devices based on blockchain networks. The present invention uses financial qualification authentication nodes and financial institution nodes to generate decentralized identity identifiers of both parties to the transaction. When conducting financial transactions, the decentralized identity identifier verification is used to achieve security verification without leaking the information of both parties to the transaction. At the same time, combined with the comparison of transaction requirement information and transaction requirement response information, dual verification of identity identifier and transaction information is achieved, which improves the security and accuracy of financial transactions, thereby solving the technical problem that the financial transaction verification method in the related technology relies on the verification center and easily leads to information leakage of both parties to the transaction.

[0039] The present invention is described in detail below in conjunction with various embodiments.

[0040] Embodiment 1

[0041] According to an embodiment of the present invention, an embodiment of a financial transaction verification method based on a blockchain network is provided. It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer executable instructions, and although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in an order different from that shown here.

[0042] The financial transaction verification method embodiment based on the blockchain network provided in Example 1 of the present application can be executed in a mobile terminal, a computer terminal or a similar computing device. Figure 1 The hardware structure block diagram of a computer terminal (or mobile device) for implementing a financial transaction verification method based on a blockchain network is shown. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 The computer system 102 includes a processor 102 (the processor 102 may include but is not limited to a microprocessor MCU (Microcontroller Unit) or a programmable logic device FPGA (Field Programmable Gate Array)), a memory 104 for storing data, and a transmission device 106 for communication functions. In addition, it may also include: a display, an input / output interface (I / O interface), a Universal Serial Bus (USB) port (which may be included as one of the ports of the BUS bus), a network interface, a power supply and / or a camera. A person skilled in the art can understand that Figure 1 The structure shown is only for illustration and does not limit the structure of the above electronic device. Figure 1 More or fewer components as shown, or with Figure 1 Different configurations are shown.

[0043] It should be noted that the one or more processors 102 and / or other data processing circuits described above may generally be referred to herein as "data processing circuits". The data processing circuits may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuit may be a single independent processing module, or may be incorporated in whole or in part into any of the other components in the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuit acts as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0044] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the financial transaction verification method based on the blockchain network in the embodiment of the present application. The processor 102 executes various functional applications and data processing by running the software programs and modules stored in the memory 104, that is, realizing the above-mentioned financial transaction verification method based on the blockchain network. The memory 104 may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include a memory remotely arranged relative to the processor 102, and these remote memories may be connected to the computer terminal 10 via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0045] The transmission device 106 is used to receive or send data via a network. The specific example of the above network may include a wireless network provided by a communication provider of the computer terminal 10. In one example, the transmission device 106 includes a network adapter (Network Interface Controller, NIC), which can be connected to other network devices through a base station so as to communicate with the Internet. In one example, the transmission device 106 can be a radio frequency (RF) module, which is used to communicate with the Internet wirelessly.

[0046] The display may be, for example, a touch screen liquid crystal display (LCD), which enables a user to interact with a user interface of the computer terminal 10 (or mobile device).

[0047] Under the above operating environment, this application provides Figure 2 The financial transaction verification method based on the blockchain network is shown. Figure 2 is a flowchart of an optional financial transaction verification method based on a blockchain network according to an embodiment of the present invention, such as Figure 2 As shown, the method comprises the following steps:

[0048] Step S201, obtain the attribute set of the transaction party and the transaction party, and the financial qualification authentication node and the financial institution node verify the attribute set. If the verification is successful, the identity identification of the transaction party and the transaction party is generated based on the attribute set, wherein the attribute set includes: identity information, credit score and qualification authentication information.

[0049] First of all, it should be explained that the blockchain network in the embodiment of the present invention includes financial qualification certification nodes and financial institution nodes, among which the financial qualification certification nodes are nodes formed by the official qualification institutions related to the financial industry linked to the blockchain network, and the financial institution nodes are nodes formed by different financial institutions linked to the blockchain. At the same time, the transaction parties and the parties to be traded will also be linked to the blockchain network.

[0050] In the embodiment of the present invention, by obtaining the attribute sets of both parties to the transaction and generating identity identifiers based on the attribute sets, it is intended to establish secure and accurate digital identities for both parties to the transaction, ensuring that both parties to the transaction are fully confirmed and protected before conducting a transaction.

[0051] The acquisition of attribute sets involves in-depth analysis of the behaviors and records of the transaction parties and the parties to be traded at multiple financial qualification certification nodes and financial institution nodes. The attribute sets include the identity information, credit scores and qualification certification information of the transaction parties and the parties to be traded. Among them, the identity information includes basic identity information such as name and ID number, which is used to confirm the true identity of the transaction parties and the parties to be traded; the credit score reflects the credit history and asset stability of the transaction parties and the parties to be traded, and is an important basis for assessing credit risk; the qualification certification information includes the details of the financial qualification certification, for example, whether the asset status has been certified by an authoritative agency, which is used to further prove the qualifications and credit rating of the transaction parties and the parties to be traded.

[0052] After obtaining the attribute sets of the transaction party and the party to be traded, the financial qualification certification node and the financial institution node verify the attribute sets. These nodes conduct decentralized and transparent verification of each piece of information in the attribute set based on blockchain rules. The verification process not only confirms the authenticity of the information, but also ensures the integrity of the information, thereby avoiding potential tampering at the source. This verification process utilizes the consensus mechanism of the blockchain. Only when multiple nodes reach a consensus and confirm that the information in the attribute set is correct can they proceed to the next step, which is to generate the identity of the transaction party and the party to be traded based on the attribute set.

[0053] When the attribute set is verified, the embodiment of the present invention generates a DID (Decentralized Identifier) ​​for the transaction party and the party to be traded based on the corresponding attribute set. The DID encrypts and stores various information in the attribute set to form a unique, tamper-proof digital identity, ensuring that in future financial transactions, the digital identities of both parties can be quickly and accurately verified while protecting personal privacy.

[0054] The embodiment of the present invention obtains an attribute set, verifies the attribute set, and then generates an identity based on the attribute set, thereby effectively converting the attribute sets of the transaction party and the transaction party into a DID identity. This not only improves the efficiency of financial transactions, but also enhances the security and privacy protection capabilities of transactions, providing a solid foundation for subsequent transaction processing and verification, and ensuring that each financial transaction avoids the common information leakage and data tampering problems in traditional centralized systems.

[0055] Step S202, obtain the transaction requirement information uploaded by the transaction party, perform feature extraction on the transaction requirement information to obtain a single-verification standard feature, perform standard interval value positioning processing on the single-verification standard feature to obtain a double-verification standard feature, wherein the transaction requirement information includes: transaction conditions and transaction information provided by the transaction party, and the standard interval value positioning processing refers to defining the feature level according to the numerical value of the single-verification standard feature.

[0056] In the embodiment of the present invention, when the parties to the transaction decide to conduct a financial transaction, they will upload detailed transaction requirements information to the blockchain network. The transaction requirements information covers all aspects of the transaction, including the transaction conditions and transaction information provided by the parties to the transaction, such as the expected transaction amount, transaction time, transaction type, and qualification requirements of the transaction object.

[0057] The embodiment of the present invention obtains the transaction requirement information uploaded by the transaction party and extracts the features of the obtained transaction requirement information. This process aims to extract the most critical parts from a large amount of information in order to perform more accurate and efficient verification. These key features are organized into a layer of verification standard features, which become the basis for subsequent preliminary verification of financial transactions.

[0058] In order to further refine the verification standards and make the verification process more rigorous, the embodiment of the present invention performs standard interval value positioning processing on the single-verification standard feature. The standard interval value positioning processing is intended to define a feature level for each single-verification standard feature. For example, when considering credit scores, if there are multiple credit scores, they may be single values ​​or interval values. These credit scores are processed using a preset grade standard to obtain a total credit score grade, and this credit score grade rule is included in the double-verification standard feature. After all single-verification standard features are positioned with standard interval values, the double-verification standard feature is obtained.

[0059] The embodiment of the present invention obtains the transaction requirement information uploaded by the transaction party, extracts features from the transaction requirement information, and performs standard interval value positioning processing to form a strict double verification mechanism, thereby ensuring the security and compliance of financial transactions.

[0060] Step S203, obtaining the financial transaction request initiated by the transaction party, extracting features from the transaction request response information in the financial transaction request, obtaining a single verification feature, and performing a single verification based on the identity identifiers of the transaction party and the party to be traded, the single verification feature and the single verification standard feature, wherein the transaction request response information includes: transaction conditions and transaction information provided by the transaction party.

[0061] In an embodiment of the present invention, when a transaction party decides to respond to a financial transaction with a pending transaction party, a financial transaction request is initiated. This financial transaction request includes transaction request response information, and the transaction request response information includes transaction conditions and transaction information provided by the transaction party, such as the transaction amount, transaction time, payment method, etc. that the transaction party is willing to provide.

[0062] After obtaining the transaction request response information uploaded by the transaction party, feature extraction is performed on the transaction request response information to obtain a first verification feature.

[0063] After obtaining the single-verification feature, the embodiment of the present invention performs single-verification of financial transactions based on the identity identifiers of the transaction party and the party to be traded, the single-verification feature and the single-verification standard feature. Single-verification includes two verification processes. One is identity identifier verification. The embodiment of the present invention first verifies the authenticity and integrity of the DID identity identifiers of the transaction party and the party to be traded, ensuring that the identities of the transaction party and the party to be traded are authentic and the identity information is accurate, thereby preventing the occurrence of identity fraud; the second is transaction requirement verification. This verification process calculates the similarity between the single-verification feature provided by the transaction party and the single-verification standard feature provided by the party to be traded. When the similarity meets the preset conditions, that is, when the transaction requirement response of the transaction party meets the transaction requirement of the party to be traded, it is determined that the transaction requirement verification has passed. When both the identity identifier verification and the transaction requirement verification have passed, it is determined that the single-verification has passed. On the contrary, when any layer of the identity identifier verification and the transaction requirement verification fails, it is determined that the single-verification has failed.

[0064] Step S204, when the first verification is passed, the transaction request response information is processed for standard interval value positioning to obtain a second verification feature, and a second verification is performed based on the second verification feature and the second verification standard feature. When the second verification is passed, the financial digital product data to be provided by the transaction party is bound to the transaction party.

[0065] After the first verification is passed, the embodiment of the present invention performs standard interval value positioning processing on the transaction request response information to obtain a second verification feature, and then performs a second verification based on the second verification feature and the second verification standard feature. The second verification is a further verification of the transaction request information and the transaction request response information on the basis of the first verification. The second verification compares the second verification feature of the transaction party with the second verification standard feature of the transaction party. When each of the second verification features is the same as the second verification standard feature, the second verification is determined to be passed. On the contrary, when any of the second verification features is different from the second verification standard feature, for example, the credit rating is different, the second verification is determined to be failed.

[0066] After both the first and second verifications are passed, the financial digital product data provided by the transaction party will be bound to the transaction party. The financial digital product data includes the product introduction, product identification, transaction requirements, transaction records and other relevant data of the financial digital product provided by the transaction party.

[0067] The embodiment of the present invention not only ensures the authenticity of the identities of the transaction party and the transaction party through single-factor verification and double-factor verification including identity identification and transaction requirements, but also ensures that all information provided by the transaction party meets the requirements of the transaction party, thereby achieving safe and accurate financial transaction verification.

[0068] Optionally, the step of obtaining the attribute sets of the transaction parties and the parties to be traded includes: obtaining behavioral data of the transaction parties and the parties to be traded at the financial qualification authentication node and the financial institution node, wherein the behavioral data includes: financial transaction information, credit information; extracting the attributes of the transaction parties from the behavioral data of the transaction parties, and integrating all the extracted attributes into the attribute set of the transaction parties; extracting the attributes of the party to be traded from the behavioral data of the party to be traded, and integrating all the extracted attributes into the attribute set of the party to be traded.

[0069] In step S201, when obtaining the attribute sets of the transaction parties and the parties to be traded, first obtain the behavior data of the transaction parties and the parties to be traded at multiple financial qualification authentication nodes and financial institution nodes, and the collected behavior data include financial transaction information and credit information, wherein the financial transaction information reflects the transaction history of the transaction parties and the parties to be traded, and the credit information reflects the credit records of the transaction parties and the parties to be traded.

[0070] After collecting the behavioral data, the attributes of the transaction party and the party to be traded are extracted from them, including their names, ID numbers, credit scores, and qualification certification details, etc. These attributes are then integrated into the attribute sets of the transaction party and the party to be traded, thereby laying the data foundation for double verification of financial transactions.

[0071] Optionally, the step of generating the identity of the transaction party and the party to be transacted based on the attribute set includes: allocating private keys and public keys to the transaction parties and the parties to be transacted, wherein the private keys of different transaction parties and parties to be transacted are different; for each transaction party or party to be transacted, encapsulating the corresponding attribute set, private key and public key into an identity document, and generating the identity of the transaction party or the party to be transacted based on the identity document.

[0072] In step S201, when the identity of the transaction party and the party to be transacted is generated based on the attribute set, a pair of private key and public key is first allocated to the transaction party and the party to be transacted. The private key is the only personal digital signature tool of the transaction party and the party to be transacted, which is used to sign the transaction and prove its identity. The public key derived from the private key is used to verify these digital signatures to ensure that the initiator and responder of the transaction are the identities they claim.

[0073] Then, for each transaction party and the party to be traded, the corresponding attribute set, private key and public key are encapsulated into an identity document, and the identity document is stored on the blockchain ledger. Then, based on the hash value of the identity document, a unique DID identity of the transaction party or the party to be traded is generated. The DID identity serves as the identity proof of the transaction party and the party to be traded on the blockchain, and performs efficient and secure verification between different nodes without the need to exchange sensitive personal data, effectively improving the privacy and security of financial transactions.

[0074] Optionally, the step of extracting features from the transaction requirement response information in the financial transaction request to obtain a single-verification feature includes: extracting features from the transaction requirement response information, and verifying the extracted features based on the attribute set of the transaction parties; if the verification passes, determining the extracted features as the single-verification features.

[0075] In step S203, when extracting features from the transaction request response information in the financial transaction request, the extracted features also need to be verified. The extracted features include key information such as the credit score and asset status of the transaction party, and the extracted features are verified based on the attribute set of the transaction party. The attribute set is obtained by integrating the behavioral data of the transaction party at the financial qualification authentication node and the financial institution node, including the comprehensive credit status and personal information of the transaction party. When verifying the extracted features based on the attribute set, the extracted features are compared with the relevant information in the attribute set to verify whether the extracted features are true and valid. If the verification is passed, the extracted features are determined as the first-level verification features of the transaction party. Otherwise, if the verification fails, the features are re-extracted from the transaction request response information, or the transaction party is notified to re-initiate the financial transaction request.

[0076] Optionally, the step of performing a single-verification based on the identity identifiers of the transaction party and the party to be transacted, the single-verification feature and the single-verification standard feature includes: authenticating the identity identifiers of the transaction party and the party to be transacted, and if the identity authentication is passed, calculating the similarity value between the single-verification feature and the single-verification standard feature; when the similarity value is equal to the target value, determining that the single-verification is passed.

[0077] In step S203, when performing single-factor verification based on the identity identification of the transaction party and the transaction party, the single-factor verification feature and the single-factor verification standard feature, firstly, the identity identification verification is performed based on the identity identification of the transaction party and the transaction party, and when the identity identification is passed, the transaction requirement verification is performed. During the transaction verification process, the single-factor verification feature and the single-factor verification standard feature are compared to determine whether the single-factor verification feature and the single-factor verification standard feature are consistent, and the criterion for determining whether they are consistent is the similarity between the single-factor verification feature and the single-factor verification standard feature.

[0078] The embodiment of the present invention uses cosine similarity to determine whether the first verification feature and the first verification standard feature are consistent. The calculation formula of cosine similarity is:

[0079]

[0080] In the above formula, A is a single-verification feature, B is a single-verification standard feature, cosθ is the cosine similarity value between single-verification feature A and single-verification standard feature B, A iis the value of the first-level verification feature A in the i-th dimension, B i is the value of the single-verification standard feature B in the i-th dimension, and n is the dimension of the single-verification feature and the single-verification standard feature, that is, the number of elements in the feature.

[0081] It should be noted that before calculating the similarity between the single-verification feature and the single-verification standard feature, if the single-verification feature and the single-verification standard feature are non-numeric features, hot encoding or other encoding forms are required to convert the non-numeric features into numerical features.

[0082] When the similarity between the first verification feature and the first verification standard feature is calculated, it is determined whether the similarity value is equal to 1. If the similarity value is equal to 1, it is determined that the transaction requirement verification is passed. If the similarity value is not equal to 1, it is determined that the transaction requirement verification is not passed. When both the identity verification and the transaction requirement verification are passed, it means that the first verification is passed.

[0083] Optionally, the step of performing double verification based on the double verification feature and the double verification standard feature includes: comparing the feature level corresponding to the double verification feature with the feature level corresponding to the double verification standard feature, and when the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature, determining that the double verification is passed.

[0084] In the embodiment of the present invention, the double verification feature is a feature level obtained by performing a standard interval value positioning process on the single verification feature, and the double verification standard feature is a feature level obtained by performing a standard interval value positioning process on the single verification standard feature. When double verification is performed based on the double verification feature and the double verification standard feature, the feature level of each double verification feature is compared with the feature level of the double verification standard feature. When the feature level corresponding to each double verification feature is the same as the feature level corresponding to the double verification standard feature, the double verification is determined to be passed. On the contrary, when the feature level corresponding to any double verification feature is different from the feature level corresponding to the double verification standard feature, the double verification is determined to be failed.

[0085] Optionally, when multiple transaction parties initiate financial transaction requests, the step of binding the financial digital product data to the transaction parties includes: when the transaction party passes the double verification, obtaining the time point when the transaction party passes the double verification; and determining the transaction party corresponding to the earliest time point that passes the double verification as the binding party of the financial digital product data.

[0086] It should be noted that when multiple transaction parties initiate financial transaction requests, the embodiment of the present invention gives priority to the transaction party that first passes the first-level verification and the second-level verification, and binds the financial digital product data provided by the transaction party to the transaction party.

[0087] The embodiment of the present invention obtains the attribute sets of the transaction party and the party to be traded, and the financial qualification authentication node and the financial institution node verify the attribute sets. When the verification is passed, the identity identifiers of the transaction party and the party to be traded are generated based on the attribute sets. That is, the embodiment of the present invention uses the financial qualification authentication node and the financial institution node to generate decentralized identity identifiers of the transaction parties. When conducting financial transactions, security verification is achieved without leaking the information of the transaction parties through the verification of decentralized identity identifiers.

[0088] At the same time, the embodiment of the present invention obtains the transaction requirement information uploaded by the party to be traded, extracts the features of the transaction requirement information, obtains a single verification standard feature, performs standard interval value positioning processing on the single verification standard feature, obtains a double verification standard feature, then obtains the financial transaction request initiated by the party to be traded, extracts the features of the transaction requirement response information in the financial transaction request, obtains a single verification feature, then performs a single verification based on the identity identification of the party to be traded and the party to be traded, the single verification feature and the single verification standard feature, and then, if the single verification passes, performs a standard interval value positioning processing on the transaction requirement response information to obtain a double verification feature, and then performs a double verification based on the double verification feature and the double verification standard feature, and if the double verification passes, the financial digital product data provided by the party to be traded is bound to the party to be traded, that is, the embodiment of the present invention realizes the double verification of the identity identification and the transaction information by combining the comparison of the transaction requirement information and the transaction requirement response information, thereby improving the security and accuracy of the financial transaction, thereby solving the technical problem that the financial transaction verification method in the related technology relies on the verification center and is prone to information leakage of the two parties to the transaction.

[0089] The following is a detailed description in conjunction with another embodiment.

[0090] Embodiment 2

[0091] A financial transaction verification system based on a blockchain network provided in this embodiment includes multiple implementation units, each implementation unit corresponding to each implementation step in the above-mentioned embodiment one.

[0092] Figure 3 is a schematic diagram of an optional financial transaction verification system based on a blockchain network according to an embodiment of the present invention, such as Figure 3 As shown, the financial transaction verification system based on the blockchain network may include: an identification generation unit 31, a transaction processing unit 32, and a transaction verification unit 33.

[0093] The identification generation unit 31 includes: an attribute analysis module and an identification generation module, wherein the attribute analysis module is used to obtain the behavior data of the transaction party and the transaction party at the financial qualification authentication node and the financial institution node, and generate an attribute set based on the behavior data; the identification generation module is used to verify the attribute set by the financial qualification authentication node and the financial institution node, and if the verification is passed, generate the identity identification of the transaction party and the transaction party based on the attribute set.

[0094] Figure 4 is a schematic diagram of an optional identification generation unit according to an embodiment of the present invention, such as Figure 4 As shown, the identification generation unit 31 includes an attribute analysis module and an identification generation module, and the attribute analysis module is connected to the identification generation module.

[0095] The transaction processing unit 32 includes: a broadcast analysis module, a response feature analysis module and a response feedback module, wherein the broadcast analysis module is used to obtain the transaction requirement information uploaded by the transaction party, perform feature extraction on the transaction requirement information to obtain a single-verification standard feature, and perform standard interval value positioning processing on the single-verification standard feature to obtain a double-verification standard feature; the response feature analysis module is used to obtain the financial transaction request initiated by the transaction party, perform feature extraction on the transaction requirement response information in the financial transaction request to obtain a single-verification feature; the response feedback module performs a single-verification based on the identity identification of the transaction party and the transaction party, the single-verification feature and the single-verification standard feature.

[0096] Figure 5 is a schematic diagram of an optional transaction processing unit according to an embodiment of the present invention, such as Figure 5 As shown, the transaction processing unit 32 includes a broadcast analysis module, a response feature analysis module and a response feedback module. The broadcast analysis module is connected to the response feature analysis module, and the response feature analysis module is connected to the response feedback module.

[0097] The transaction verification unit 33 includes: a feature verification module, a response comparison module and a financial binding module, wherein the feature verification module is used to perform standard interval value positioning processing on the transaction requirement response information to obtain a double verification feature when the first verification is passed; the response comparison module performs a double verification based on the double verification feature and the double verification standard feature; the financial binding module is used to bind the financial digital product data provided by the transaction party to the transaction party when the double verification is passed.

[0098] Figure 6 is a schematic diagram of an optional transaction verification unit according to an embodiment of the present invention, such as Figure 6 As shown, the transaction verification unit 33 includes a feature verification module, a response comparison module and a financial binding module. The feature verification module is connected to the response comparison module, and the response comparison module is connected to the financial binding module.

[0099] The above-mentioned financial transaction verification system based on the blockchain network obtains the attribute sets of the transaction party and the party to be traded through the identification generation unit 31, and the financial qualification authentication node and the financial institution node verify the attribute set. If the verification is successful, the identity identification of the transaction party and the party to be traded is generated based on the attribute set, and then the transaction requirement information uploaded by the party to be traded is obtained through the transaction processing unit 32, and the transaction requirement information is extracted to obtain a single verification standard feature, and the single verification standard feature is positioned by the standard interval value to obtain a double verification standard feature, and then the financial transaction request initiated by the transaction party is obtained, and the transaction requirement response information in the financial transaction request is extracted to obtain a single verification feature, and a single verification is performed based on the identity identification of the transaction party and the party to be traded, the single verification feature and the single verification standard feature. Then, through the transaction verification unit 33, if the single verification is successful, the transaction requirement response information is positioned by the standard interval value to obtain a double verification feature, and a double verification is performed based on the double verification feature and the double verification standard feature. If the double verification is successful, the financial digital product data provided by the party to be traded is bound to the transaction party.

[0100] The embodiment of the present invention utilizes a financial qualification authentication node and a financial institution node to generate decentralized identity identifiers for both parties to a transaction. When conducting financial transactions, the decentralized identity identifier verification is used to achieve security verification without leaking information of both parties to the transaction. At the same time, combined with the comparison of transaction requirement information and transaction requirement response information, dual verification of the identity identifier and transaction information is achieved, thereby improving the security and accuracy of financial transactions, and further solving the technical problem in related technologies that the financial transaction verification method relies on a verification center and is prone to information leakage of both parties to the transaction.

[0101] Optionally, the attribute analysis module includes: a first acquisition submodule, used to acquire the behavioral data of the transaction party and the party to be traded at the financial qualification authentication node and the financial institution node, wherein the behavioral data includes: financial transaction information, credit information; a first integration submodule, used to extract the attributes of the transaction party from the behavioral data of the transaction party, and integrate all the extracted attributes into an attribute set of the transaction party; a second integration submodule, used to extract the attributes of the party to be traded from the behavioral data of the party to be traded, and integrate all the extracted attributes into an attribute set of the party to be traded.

[0102] Optionally, the identification generation module includes: an allocation submodule, used to allocate private keys and public keys to the transaction parties and the parties to be traded, wherein the private keys of different transaction parties and parties to be traded are different; an encapsulation submodule, for each transaction party or party to be traded, encapsulating the corresponding attribute set, the private key and the public key into an identity document, and generating an identity identification of the transaction party or the party to be traded based on the identity document.

[0103] Optionally, the broadcast analysis module includes: a verification submodule, used to extract features from the transaction request response information and verify the extracted features based on the attribute set of the transaction party; and a first determination submodule, used to determine the extracted features as the first verification features if the verification passes.

[0104] Optionally, the response feedback module includes: a calculation submodule, used to authenticate the identity of the transaction party and the party to be traded, and when the identity authentication is passed, calculate the similarity value between the single-verification feature and the single-verification standard feature; a first judgment submodule, used to judge that the single-verification is passed when the similarity value is equal to the target value.

[0105] Optionally, the response comparison module includes: a second determination submodule, used to compare the feature level corresponding to the double verification feature with the feature level corresponding to the double verification standard feature, and determine that the double verification is passed when the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature.

[0106] Optionally, the financial binding module includes: a second acquisition submodule, used to obtain the time point when the transaction party passes the double verification when the transaction party passes the double verification; a second determination submodule, used to determine the transaction party corresponding to the earliest time point that passes the double verification as the binding party of the financial digital product data.

[0107] The above-mentioned financial transaction verification system based on blockchain network may also include a processor and a memory. The above-mentioned identification generation unit 31, transaction processing unit 32, transaction verification unit 33, etc. are all stored in the memory as program units, and the processor executes the above-mentioned program units stored in the memory to realize corresponding functions.

[0108] The above processor includes a kernel, which retrieves the corresponding program unit from the memory. One or more kernels can be set, and financial transaction verification based on the blockchain network can be performed by adjusting kernel parameters.

[0109] The above-mentioned memory may include non-permanent memory in a computer-readable medium, random access memory (RAM) and / or non-volatile memory, such as read-only memory (ROM) or flash RAM, and the memory includes at least one storage chip.

[0110] Embodiment 3

[0111] An embodiment of the present application may provide an electronic device, Figure 7 is a structural block diagram of an electronic device according to an embodiment of the present application. Figure 7 As shown, the electronic device may include: one or more ( Figure 7 (only one is shown) processor 702, memory 704, storage controller, and peripheral interface, wherein the peripheral interface is connected to the radio frequency module, audio module and display.

[0112] Among them, the memory can be used to store software programs and modules, such as program instructions / modules corresponding to the methods and systems in the embodiments of the present application, and the processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, realizing the above-mentioned method. The memory may include a high-speed random access memory, and may also include a non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include a memory remotely arranged relative to the processor, and these remote memories may be connected to the terminal via a network. Examples of the above-mentioned network include, but are not limited to, the Internet, an intranet, a local area network, a mobile communication network, and combinations thereof.

[0113] The processor can call the information and application stored in the memory through the transmission device to perform the following steps: obtain the attribute set of the transaction party and the transaction party, and the financial qualification authentication node and the financial institution node verify the attribute set. If the verification is passed, the identity identification of the transaction party and the transaction party is generated based on the attribute set, wherein the attribute set includes: identity information, credit score and qualification authentication information; obtain the transaction requirement information uploaded by the transaction party, extract the features of the transaction requirement information, obtain the first verification standard feature, perform standard interval value positioning processing on the first verification standard feature, and obtain the second verification standard feature, wherein the transaction requirement information includes: transaction conditions and transaction information provided by the transaction party, the standard interval value positioning processing Position processing refers to defining the feature level according to the numerical value of the single-verification standard feature; obtaining the financial transaction request initiated by the transaction party, extracting the features of the transaction requirement response information in the financial transaction request, obtaining the single-verification feature, and performing single-verification based on the identity identification of the transaction party and the party to be traded, the single-verification feature and the single-verification standard feature, wherein the transaction requirement response information includes: the transaction conditions and transaction information provided by the transaction party; if the single-verification is passed, performing standard interval value positioning processing on the transaction requirement response information to obtain the double-verification feature, performing double-verification based on the double-verification feature and the double-verification standard feature, and if the double-verification is passed, binding the financial digital product data provided by the party to be traded to the transaction party.

[0114] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: obtaining the behavioral data of the transaction party and the party to be traded at the financial qualification authentication node and the financial institution node, wherein the behavioral data includes: financial transaction information, credit information; extracting the attributes of the transaction party from the transaction party's behavioral data, and integrating all the extracted attributes into the transaction party's attribute set; extracting the attributes of the party to be traded from the party to be traded's behavioral data, and integrating all the extracted attributes into the attribute set of the party to be traded.

[0115] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: assign private keys and public keys to the transaction parties and the parties to be traded, wherein the private keys of different transaction parties and parties to be traded are different; for each transaction party or party to be traded, encapsulate the corresponding attribute set, private key and public key into an identity document, and generate an identity identification of the transaction party or the party to be traded based on the identity document.

[0116] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: extract features from the transaction request response information, and verify the extracted features based on the attribute set of the transaction party; if the verification passes, determine the extracted features as a single-level verification feature.

[0117] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: authenticate the identity of the transaction party and the party to be traded, and if the identity authentication is successful, calculate the similarity value between the single-verification feature and the single-verification standard feature; when the similarity value is equal to the target value, it is determined that the single-verification has passed.

[0118] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: compare the feature level corresponding to the double verification feature with the feature level corresponding to the double verification standard feature, and when the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature, determine that the double verification is passed.

[0119] The processor can also call the information and application programs stored in the memory through the transmission device to perform the following steps: when the transaction party passes the double verification, obtain the time point when the transaction party passes the double verification; determine the transaction party corresponding to the earliest time point that passes the double verification as the binding party of the financial digital product data.

[0120] By adopting the embodiment of the present application, a scheme of a financial transaction verification method based on a blockchain network is provided. By obtaining the attribute set of the transaction party and the party to be traded, the financial qualification authentication node and the financial institution node verify the attribute set. If the verification is passed, the identity identification of the transaction party and the party to be traded is generated based on the attribute set, and then the transaction requirement information uploaded by the party to be traded is obtained, and the transaction requirement information is extracted to obtain a first-level verification standard feature. The first-level verification standard feature is processed by standard interval value positioning to obtain a second-level verification standard feature, and then the financial transaction request initiated by the transaction party is obtained, and the transaction requirement response information in the financial transaction request is extracted to obtain a first-level verification feature. Based on the identity identification of the transaction party and the party to be traded, the transaction request is processed by standard interval value positioning to obtain a second-level verification standard feature. The first verification is performed based on the identification, the first verification feature and the first verification standard feature. Then, if the first verification is passed, the transaction request response information is processed with the standard interval value positioning to obtain the second verification feature. Based on the second verification feature and the second verification standard feature, the second verification is performed. If the second verification is passed, the financial digital product data to be provided by the transaction party is bound to the transaction party, thereby achieving the purpose of secure verification without leaking the information of the transaction parties through the verification of decentralized identity identification, thereby solving the technical problem that the financial transaction verification method in the related technology relies on the verification center and is prone to information leakage of the transaction parties.

[0121] It can be understood by those skilled in the art that Figure 7 The structure shown is for illustration only, and the electronic device may also be a smart phone, a tablet computer, a PDA, a mobile Internet device (MID), a PAD, or other terminal devices. Figure 7 The structure of the electronic device is not limited. Figure 7 More or fewer components (such as network interfaces, display devices, etc.) shown in, or having Figure 7 Different configurations shown.

[0122] A person of ordinary skill in the art can understand that all or part of the steps in the various blockchain network-based financial transaction verification methods in the above-mentioned embodiments can be completed by instructing the hardware related to the terminal device through a program, and the program can be stored in a computer-readable storage medium, and the storage medium may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0123] Embodiment 4

[0124] The embodiment of the present application also provides a storage medium. Optionally, in this embodiment, the storage medium can be used to store the program code executed by the financial transaction verification method based on the blockchain network provided in the first embodiment.

[0125] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is also provided, and the computer-readable storage medium includes a stored computer program, wherein when the computer program is running, the device where the computer-readable storage medium is located is controlled to execute any one of the financial transaction verification methods based on the blockchain network in the above-mentioned embodiment 1.

[0126] Optionally, in this embodiment, the above storage medium may be located in any computer terminal in a computer terminal group in a computer network, or in any mobile terminal in a mobile terminal group.

[0127] The present application also provides a computer program product, including a computer program, which, when executed by a processor, implements the steps of the financial transaction verification method based on the blockchain network described in each embodiment of the present application.

[0128] The present application also provides a computer program product, including a non-volatile computer-readable storage medium, wherein the non-volatile computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the steps of the financial transaction verification method based on the blockchain network described in each embodiment of the present application are implemented.

[0129] The serial numbers of the above embodiments of the present invention are only for description and do not represent the advantages or disadvantages of the embodiments.

[0130] In the above embodiments of the present invention, the description of each embodiment has its own emphasis. For parts that are not described in detail in a certain embodiment, reference can be made to the relevant descriptions of other embodiments.

[0131] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. Among them, the device embodiments described above are only schematic. For example, the division of the units can be a logical function division. There may be other division methods in actual implementation. For example, multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be through some interfaces, indirect coupling or communication connection of units or modules, which can be electrical or other forms.

[0132] The units described as separate components may or may not be physically separated, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed on multiple units. Some or all of the units may be selected according to actual needs to achieve the purpose of the present embodiment.

[0133] In addition, each functional unit in each embodiment of the present invention may be integrated into one processing unit, or each unit may exist physically separately, or two or more units may be integrated into one unit. The above-mentioned integrated unit may be implemented in the form of hardware or in the form of software functional units.

[0134] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution can be embodied in the form of a software product, and the computer software product is stored in a storage medium, including a number of instructions for a computer device (which can be a personal computer, a server or a network device, etc.) to perform all or part of the steps of the method described in each embodiment of the present invention. The aforementioned storage medium includes: U disk, read-only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), mobile hard disk, magnetic disk or optical disk and other media that can store program codes.

[0135] The above is only a preferred embodiment of the present invention. It should be pointed out that for ordinary technicians in this technical field, several improvements and modifications can be made without departing from the principle of the present invention. These improvements and modifications should also be regarded as the scope of protection of the present invention.

Claims

1. A financial transaction verification method based on a blockchain network, characterized in that: The blockchain network includes: financial qualification authentication nodes and financial institution nodes, including: Acquire the attribute set of the transaction party and the transaction party, and the financial qualification authentication node and the financial institution node verify the attribute set. If the verification is successful, generate the identity identifiers of the transaction party and the transaction party based on the attribute set, wherein the attribute set includes: identity information, credit score and qualification authentication information; Acquire the transaction requirement information uploaded by the transaction party, perform feature extraction on the transaction requirement information to obtain a first-level verification standard feature, perform standard interval value positioning processing on the first-level verification standard feature to obtain a second-level verification standard feature, wherein the transaction requirement information includes: transaction conditions and transaction information provided by the transaction party, and the standard interval value positioning processing refers to defining a feature level according to the value of the first-level verification standard feature; Acquire a financial transaction request initiated by the transaction party, extract features from the transaction request response information in the financial transaction request to obtain a single verification feature, and perform single verification based on the identity identifiers of the transaction party and the party to be traded, the single verification feature, and the single verification standard feature, wherein the transaction request response information includes: transaction conditions and transaction information provided by the transaction party; In the case where the single verification is passed, the transaction request response information is processed for standard interval value positioning to obtain a double verification feature, and a double verification is performed based on the double verification feature and the double verification standard feature. In the case where the double verification is passed, the financial digital product data provided by the party to be traded is bound to the party to the transaction.

2. The financial transaction verification method according to claim 1, characterized in that: The step of obtaining the attribute sets of the transaction party and the transaction party includes: Obtaining behavior data of the transaction party and the transaction party at the financial qualification authentication node and the financial institution node, wherein the behavior data includes: financial transaction information and credit information; Extracting attributes of the transaction party from the behavior data of the transaction party, and integrating all the extracted attributes into an attribute set of the transaction party; Attributes of the party to be traded are extracted from the behavior data of the party to be traded, and all the extracted attributes are integrated into an attribute set of the party to be traded.

3. The financial transaction verification method according to claim 1, characterized in that: The step of generating the identity identifiers of the transaction party and the party to be transacted based on the attribute set includes: Allocating private keys and public keys to the transaction parties and the parties to be transacted, wherein the private keys of different transaction parties and parties to be transacted are all different; For each of the transaction parties or the party to be transacted, the corresponding attribute set, the private key and the public key are encapsulated into an identity document, and an identity identifier of the transaction party or the party to be transacted is generated based on the identity document.

4. The financial transaction verification method according to claim 1, characterized in that: The step of extracting features from the transaction request response information in the financial transaction request to obtain the first verification feature comprises: Extracting features from the transaction request response information, and verifying the extracted features based on the attribute set of the transaction party; When the verification is successful, the extracted features are determined as the first verification features.

5. The financial transaction verification method according to claim 1, characterized in that: The step of performing a single verification based on the identity identifiers of the transaction party and the transaction party, the single verification feature and the single verification standard feature includes: Authentication is performed on the identity identifiers of the transaction party and the transaction party, and if the identity authentication is passed, a similarity value between the single-factor authentication feature and the single-factor authentication standard feature is calculated; When the similarity value is equal to the target value, it is determined that the first level of verification is passed.

6. The financial transaction verification method according to claim 1, characterized in that: The step of performing double verification based on the double verification feature and the double verification standard feature includes: The feature level corresponding to the double verification feature is compared with the feature level corresponding to the double verification standard feature. If the feature level corresponding to the double verification feature is the same as the feature level corresponding to the double verification standard feature, it is determined that the double verification is passed.

7. The financial transaction verification method according to claim 1, characterized in that: In the case where multiple transaction parties initiate the financial transaction request, the step of binding the financial digital product data to the transaction parties includes: When the transaction party passes the double verification, obtaining the time point at which the transaction party passes the double verification; The transaction party that passes the double verification at the earliest time point is determined as the binding party of the financial digital product data.

8. A financial transaction verification system based on a blockchain network, characterized in that: The blockchain network includes: financial qualification authentication nodes and financial institution nodes, including: The identification generation unit includes: an attribute analysis module and an identification generation module, wherein the attribute analysis module is used to obtain the behavior data of the transaction party and the transaction party at the financial qualification authentication node and the financial institution node, and generate an attribute set based on the behavior data; the identification generation module is used to verify the attribute set by the financial qualification authentication node and the financial institution node, and generate the identity identification of the transaction party and the transaction party based on the attribute set when the verification is passed; The transaction processing unit includes: a broadcast analysis module, a response feature analysis module and a response feedback module, wherein the broadcast analysis module is used to obtain the transaction requirement information uploaded by the transaction party, perform feature extraction on the transaction requirement information to obtain a single verification standard feature, and perform standard interval value positioning processing on the single verification standard feature to obtain a double verification standard feature; the response feature analysis module is used to obtain the financial transaction request initiated by the transaction party, perform feature extraction on the transaction requirement response information in the financial transaction request to obtain a single verification feature; the response feedback module performs a single verification based on the identity identifiers of the transaction party and the transaction party, the single verification feature and the single verification standard feature; The transaction verification unit includes: a feature verification module, a response comparison module and a financial binding module, wherein the feature verification module is used to perform standard interval value positioning processing on the transaction request response information to obtain a double verification feature when the single verification is passed; the response comparison module performs a double verification based on the double verification feature and the double verification standard feature; the financial binding module is used to bind the financial digital product data provided by the party to be traded to the party to be traded when the double verification is passed.

9. An electronic device, characterized in that: It includes one or more processors and a memory, wherein the memory is used to store one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the financial transaction verification method based on the blockchain network as described in any one of claims 1 to 7.

10. A computer program product, comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the financial transaction verification method based on the blockchain network described in any one of claims 1 to 7 are implemented.

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