Blockchain network-based financial transaction verification method and system, and electronic device

Abstract

The application discloses a kind of financial transaction verification method and system based on blockchain network, electronic equipment, it is related to blockchain technology field or other related fields, the method includes: obtaining the attribute set of transaction party and the attribute set of to-be-traded party, and generating identity identification by financial qualification certification and financial institution node verification attribute set;Transaction information is extracted to obtain a standard feature, and interval value positioning processing is carried out to obtain a double standard feature;Transaction response information is extracted to obtain a feature, and one-time verification is carried out based on identity identification, one-time feature and one-time standard feature;After one-time verification passes, interval value positioning processing is carried out to transaction response information to obtain a double feature, and double verification is carried out based on double feature and double standard feature, after double verification passes, product data is bound to transaction party.The application solves the technical problems that financial transaction verification mode in the related art depends on verification center, which is prone to cause transaction information leakage.

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, the variety of internet financial services is increasing. Blockchain networks, with their advantages of decentralization, openness, transparency, immutability, and trustworthiness, have been widely used in numerous financial sectors, including securities trading, e-commerce, and equity crowdfunding. In blockchain-based financial business processing, relevant financial transaction data is uploaded and stored on the blockchain. However, this process poses security risks such as illegal attacks and data tampering.

[0003] In related technologies, the process of uploading financial transaction data requires verification of both parties to the transaction to ensure the authenticity and validity of the transaction. However, conventional financial transaction verification methods rely on a unified verification center, where financial transaction data is centralized and the verification center determines whether the transaction is verified. If the verification center is hacked, the private information of both parties to the transaction can be easily altered or even leaked. This means that conventional financial transaction verification methods suffer from a serious centralization issue, making it prone to security risks such as information leakage between the two parties.

[0004] To address the above-mentioned problems, no effective solutions have been proposed so far. Summary of the Invention

[0005] The embodiments of the present invention provide a financial transaction verification method and system, and electronic device based on a blockchain network, to at least solve the technical problem in related technologies that the financial transaction verification method relies on a verification center, which easily leads to information leakage between the two 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 the transaction party and the party to be traded, and the financial qualification authentication node and the financial institution node verifying the attribute set. If the verification passes, the identity identification of the transaction party and the party to be traded is generated 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 party to be traded, 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 information provided by the party to be traded 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 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, and obtaining the double-verification feature, and 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.

[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 and 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 parties to be traded from the behavioral data of the parties to be traded, and integrating all the extracted attributes into the attribute set of the parties to be traded.

[0008] Optionally, the step of generating identity identifications of the transaction parties and the parties 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 identification 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 party; if the verification passes, determining the extracted features as the single-verification feature.

[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 when 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 determining 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.

[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. 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 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 party to be traded 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 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 party to be traded, 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 is passed to 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 party to be traded to the transaction party when the double verification is passed.

[0014] Optionally, the attribute analysis module includes: a first acquisition submodule, used to obtain 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 the 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 the 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 single-verification features if the verification is passed.

[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 determine 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 judgment 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 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.

[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 further 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, an electronic device is also provided, 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 party to be traded, the financial qualification authentication node and the financial institution node verify the attribute sets. If the verification is passed, the identity identification of the transaction party and the party to be traded is generated based on the attribute sets. Then, the transaction requirement information uploaded by the party to be traded 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 identification of the transaction party and the party to be traded, the single-verification feature and the single-verification standard feature. Then, if the single-verification is passed, 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 passed, the financial digital product data provided by the party to be traded 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 thus solves the technical problem in related technologies that the financial transaction verification method relies on the verification center, which easily leads to 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 blockchain network-based financial transaction verification method according to an embodiment of the present invention;

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

[0029] Figure 4 is a schematic diagram of an optional identifier 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 This 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 solutions of the present invention, the technical solutions 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 embodiments described 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 making creative efforts should fall within the scope of protection of the present invention.

[0034] It should be noted that the terms "first", "second", etc. in the description 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 numbers 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 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 blockchain network-based financial transaction verification method and system in the present disclosure can be used in the field of blockchain technology. When financial transaction verification is performed based on the blockchain network, it can also be used in any field other than the field of blockchain technology. When financial transaction verification is performed based on the blockchain network, the present disclosure does not limit the application field of the blockchain network-based financial transaction verification method and system.

[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 comply with the relevant laws, regulations and standards of the relevant regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation portals for users to choose to authorize or refuse. For example, an interface is set up between this system and relevant users or institutions. Before obtaining relevant information, it is necessary to send an acquisition request to the aforementioned user or institution through the interface, and obtain relevant information after receiving the consent information fed back by the aforementioned user or institution.

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

[0038] The following embodiments of the present invention can be applied to various blockchain-based financial transaction verification systems / applications / devices. This invention utilizes financial qualification authentication nodes and financial institution nodes to generate decentralized identity identifiers for both parties to a transaction. During financial transactions, decentralized identity verification is used to achieve secure verification without leaking the information of both parties. Furthermore, by comparing transaction request information with response information, dual verification of identity identifiers and transaction information is achieved, improving the security and accuracy of financial transactions. This addresses the technical issue in related technologies where financial transaction verification methods rely on verification centers, which can easily lead to information leakage between both parties.

[0039] The present invention will be described in detail below with reference to various embodiments.

[0040] Example 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 embodiment of the financial transaction verification method 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 following is a hardware block diagram of a computer terminal (or mobile device) for implementing a financial transaction verification method based on a blockchain network. Figure 1As shown, the computer terminal 10 (or mobile device) may include one or more ( Figure 1 The computer system includes a processor 102 (shown as 102a, 102b, ..., 102n) (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, the computer system 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), a network interface, a power supply and / or a camera. It will be understood by those skilled in the art 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 than shown, or with Figure 1 Different configurations 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 circuitry". The data processing circuitry may be embodied in whole or in part as software, hardware, firmware, or any other combination thereof. In addition, the data processing circuitry may be a single independent processing module, or may be incorporated in whole or in part into any of the other components of the computer terminal 10 (or mobile device). As described in the embodiments of the present application, the data processing circuitry serves as a processor control (e.g., selection of a variable resistor terminal path connected to an interface).

[0044] Memory 104 can be used to store software programs and modules for application software, such as the program instructions / data storage device corresponding to the blockchain-based financial transaction verification method in the embodiments of the present application. Processor 102 executes the software programs and modules stored in memory 104 to perform various functional applications and data processing, thereby implementing the aforementioned blockchain-based financial transaction verification method. Memory 104 may include high-speed random access memory (RAM) and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some examples, memory 104 may further include memory remotely located relative to processor 102, which can be connected to computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0045] The transmission device 106 is used to receive or send data via a network. A specific example of the network may include a wireless network provided by the communications provider of the computer terminal 10. In one embodiment, the transmission device 106 includes a network interface controller (NIC), which can be connected to other network devices via a base station to enable communication with the Internet. In another embodiment, the transmission device 106 may 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 includes the following steps:

[0048] Step S201: Obtain the attribute sets of the transaction party and the party to be traded. 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 party to be traded are generated based on the attribute sets. The attribute sets include: identity information, credit score and qualification authentication information.

[0049] First of all, it should be noted that the blockchain network in the embodiment of the present invention includes financial qualification certification nodes and financial institution nodes. Among them, the financial qualification certification nodes are nodes formed by the official qualification agencies 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 an 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 the transaction.

[0051] The acquisition of attribute sets involves an 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, 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; credit scores reflect the credit history and asset stability of the transaction parties and the parties to be traded, and are an important basis for assessing credit risk; qualification certification information includes financial qualification certification details, such as 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 transacting and pending parties, the financial qualification verification nodes and financial institution nodes verify these sets. Based on blockchain rules, these nodes conduct decentralized and transparent verification of each piece of information in the attribute set. This verification process not only confirms the authenticity of the information but also ensures its integrity, thereby preventing potential tampering at the source. This verification process leverages the blockchain's consensus mechanism. Only when multiple nodes reach consensus and confirm that the information in the attribute set is correct can they proceed to the next step: generating the identities of the transacting and pending parties based on the attribute set.

[0053] Once the attribute set is verified, the embodiment of the present invention generates a DID (Decentralized Identifier) ​​for the transacting party and the party to be transacted based on the corresponding attribute set. The DID encrypts and stores the various information in the attribute set, forming a unique, tamper-proof digital identity. This ensures 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, effectively converting the attribute sets of the transaction party and the party to be traded into a DID identity. This not only improves the efficiency of financial transactions, but also enhances the security and privacy protection capabilities of the 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: Acquire 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 this embodiment of the present invention, when the parties to a transaction decide to conduct a financial transaction, they upload detailed transaction requirements to the blockchain network. These requirements cover all aspects of the transaction, including the transaction conditions and information provided by the parties, such as the desired transaction amount, transaction time, transaction type, and the qualifications of the transaction partner.

[0057] This embodiment of the present invention obtains transaction request information uploaded by the transacting parties and performs feature extraction on the acquired transaction request information. This process aims to extract the most critical components from a large amount of information for more accurate and efficient verification. These key features are organized into a set of verification standard features, which serve as the basis for subsequent preliminary verification of financial transactions.

[0058] To further refine the verification standards and make the verification process more rigorous, embodiments of the present invention perform standard interval value positioning processing on the first-level verification standard features. This standard interval value positioning processing aims to define a feature level for each first-level 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 grading standard to obtain an overall credit score level, which is then incorporated into the second-level verification standard features. After performing standard interval value positioning on all first-level verification standard features, the second-level verification standard features are obtained.

[0059] The embodiment of the present invention obtains 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: Obtain the financial transaction request initiated by the transaction party, perform feature extraction on the transaction request response information in the financial transaction request, obtain a single-verification feature, and perform 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. 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.

[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 the financial transaction 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. 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 transacted, ensuring that the identities of the transaction party and the party to be transacted are authentic and the identity information is accurate, thereby preventing identity fraud; the other 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 transacted. When the similarity meets the preset conditions, that is, when the transaction party's transaction requirement response meets the transaction requirement of the party to be transacted, the transaction requirement verification is determined to have passed. When both the identity identifier verification and the transaction requirement verification are passed, the single-verification is determined to have passed. Conversely, when either the identity identifier verification or the transaction requirement verification fails, the single-verification is determined to have failed.

[0064] In step S204, if the first verification is passed, the transaction request response information is processed with a standard interval value positioning process to obtain a second verification feature, and a second verification is performed based on the second verification feature and the second verification standard feature. If 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 successful, embodiments of the present invention perform standard interval value positioning processing on the transaction request response information to obtain a second verification feature, and then perform a second verification based on the second verification feature and the second verification standard feature. Second verification is a further verification of the transaction request information and the transaction request response information based on the first verification. Second verification compares the second verification feature of the transaction party with the second verification standard feature of the transaction party. When each second verification feature is identical to the second verification standard feature, the second verification is determined to have passed. Conversely, if any second verification feature is different from the second verification standard feature, for example, if the credit rating is different, the second verification is determined to have 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 description, product identification, transaction requirements, transaction records, and other relevant data 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 party to be traded through single- and double-verification including identity identification and transaction requirements, but also ensures that all information provided by the transaction party meets the requirements of the party to be traded, 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 and 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 parties to be traded from the behavioral data of the parties to be traded, and integrating all the extracted attributes into the attribute set of the parties to be traded.

[0069] In step S201, when obtaining the attribute sets of the transaction parties and the parties to be traded, the behavioral data of the transaction parties and the parties to be traded at multiple financial qualification authentication nodes and financial institution nodes are first obtained. The collected behavioral data includes 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 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, and these attributes are integrated into the attribute sets of the transaction party and the party to be traded, thereby laying the data foundation for the double verification of financial transactions.

[0071] Optionally, the step of generating identity identifications of the transaction parties and the parties 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 identification of the transaction party or the party to be transacted based on the identity document.

[0072] In step S201, when generating the identities of the transacting and transaction parties based on the attribute set, a pair of private and public keys is first assigned to each transacting and transaction party. The private key serves as a unique digital signature tool for each transacting and transaction party, used to sign transactions and verify their identities. The public key derived from the private key is used to verify these digital signatures, ensuring that the initiator and respondent of the transaction are who they claim to be.

[0073] For each transacting party and potential transacting party, the corresponding attribute set, private key, and public key are then packaged into an identity document, which is then stored on the blockchain ledger. Based on the hash value of the identity document, a unique DID is generated for the transacting party or potential transacting party. The DID serves as proof of identity for both transacting and potential transacting parties on the blockchain, enabling efficient and secure verification across different nodes without exchanging sensitive personal data, effectively enhancing 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 party; if the verification passes, determining the extracted features as the single-verification feature.

[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, and includes 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 successful, the extracted features are determined as the single-level verification features of the transaction party. Conversely, 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 when 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 authentication based on the identities of the transacting and transacting parties, the single-factor authentication features, and the single-factor authentication standard features, identity verification is first performed based on the identities of the transacting and transacting parties. If the identity verification passes, transaction requirement verification is performed. During the transaction verification process, the single-factor authentication features are compared with the single-factor authentication standard features to determine whether they are consistent. The criterion for determining consistency is the similarity between the single-factor authentication features and the single-factor authentication standard features.

[0078] The embodiment of the present invention uses cosine similarity to determine whether the single-level verification feature and the single-level 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 the single-verification feature A and the single-verification standard feature B, A iis the value of the first 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, it is necessary to use hot encoding or other encoding forms to convert the non-numeric features into numerical features.

[0082] When calculating the similarity between the single-factor verification feature and the single-factor verification standard feature, a determination is made as to whether the similarity value is equal to 1. If the similarity value is equal to 1, the transaction requirement verification is deemed to have passed. If the similarity value is not equal to 1, the transaction requirement verification is deemed to have failed. Single-factor verification is considered to have passed when both identity verification and transaction requirement verification pass.

[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 determining 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.

[0084] In an embodiment of the present invention, the double-verification feature is a feature level obtained by performing standard interval value positioning processing on the single-verification feature, and the double-verification standard feature is a feature level obtained by performing standard interval value positioning processing 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 have passed. Conversely, 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 have 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 and second verifications, 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. If the verification is successful, 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 trading party, 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 trading party 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. If the double-verification passes, the financial digital product data provided by the party to be traded is bound to the trading party, that is, the embodiment of the present invention realizes dual verification of identity identification and transaction information by combining the comparison of transaction requirement information and transaction requirement response information, improves the security and accuracy of financial transactions, and thus solves the technical problem in the related technology that the financial transaction verification method relies on the verification center and easily leads to information leakage of both parties to the transaction.

[0089] The following describes it in detail with reference to another embodiment.

[0090] Example 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 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 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 party to be traded based on the attribute set if the verification is successful.

[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 identifier generation unit 31 includes an attribute analysis module and an identifier generation module, and the attribute analysis module is connected to the identifier 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 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 a 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 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.

[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 interfaces with the response feature analysis module, and the response feature analysis module interfaces with 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 request 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 second 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 sets. 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. Then, the transaction processing unit 32 obtains the transaction requirement information uploaded by the party to be traded, extracts the features of the transaction requirement information to obtain a single verification standard feature, performs standard interval value positioning processing on the single verification standard feature to obtain a double verification standard feature, and then obtains the financial transaction request initiated by the transaction party, extracts the features of the transaction requirement response information in the financial transaction request to obtain a single verification feature, and performs a 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. Then, if the single verification is passed, the transaction verification unit 33 performs standard interval value positioning processing on the transaction requirement response information to obtain a double verification feature, and performs a double verification based on the double verification feature and the double verification standard feature. If the double verification is passed, 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 financial qualification authentication nodes and financial institution nodes to generate decentralized identity identifications for both parties to the transaction. When conducting financial transactions, the decentralized identity identification verification is used to achieve secure 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 the identity identification 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 the verification center, which easily leads to information leakage of both parties to the transaction.

[0101] Optionally, the attribute analysis module includes: a first acquisition submodule, used to obtain 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 the 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 the 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 single-verification features if the verification is passed.

[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 determine 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 judgment 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 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.

[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 the 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 the corresponding functions.

[0108] The processor includes a kernel, which retrieves the corresponding program unit from memory. One or more kernels can be configured, and financial transactions can be verified on the blockchain network 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 memory chip.

[0110] Example 3

[0111] An embodiment of the present application may provide an electronic device, Figure 7 This 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. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, that is, implementing 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 a combination 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 party to be traded, 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 party to be traded 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 party to be traded, extract the features of the transaction requirement information, obtain the first-level verification standard feature, perform standard interval value positioning processing on the first-level verification standard feature, and obtain the second-level verification standard feature, wherein the transaction requirement information includes: transaction conditions and transaction information provided by the party to be traded, standard interval value positioning processing, and the second-level verification standard feature. Positioning refers to defining the feature level based on 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 to obtain 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, the transaction requirement response information is processed with the standard interval value positioning to obtain the double-verification feature, and double-verification is performed based on the double-verification feature and the double-verification standard feature. If the double-verification is passed, the financial digital product data provided by the party to be traded is bound 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 and credit information; extracting the attributes of the transaction party from the behavioral data of the transaction party, and integrating all the extracted attributes into the attribute set of the transaction party; 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.

[0115] The processor can also call the information and application stored in the memory through the transmission device to perform the following steps: assigning 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, encapsulating the corresponding attribute set, private key and 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.

[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 is successful, the extracted features are determined 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 passed, 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 is 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 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] The embodiment of the present application provides a solution for a financial transaction verification method based on a blockchain network. 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. Then, the transaction requirement information uploaded by the party to be traded is obtained, and the feature extraction of the transaction requirement information is performed to obtain a single verification standard feature. The standard interval value positioning processing is performed on the single verification standard feature to obtain a double verification standard feature. Then, the financial transaction request initiated by the transaction party is obtained, and the feature extraction of the transaction requirement response information in the financial transaction request is performed to obtain a single verification feature. Based on the identity identification of the transaction party and the party to be traded, the financial transaction request initiated by the transaction party is obtained. 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. The second verification is performed based on the second verification feature and the second verification standard feature. 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 two parties to the transaction through the verification of decentralized identity identification, and thus 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.

[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 It does not limit the structure of the above electronic device. For example, the electronic device may also include Figure 7 More or fewer components (such as network interfaces, display devices, etc.) shown in, or with Figure 7 Different configurations shown.

[0122] Those skilled in the art will understand that all or part of the steps in the various blockchain network-based financial transaction verification methods of 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, which may include: a flash drive, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk, etc.

[0123] Example 4

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

[0125] According to another aspect of an embodiment of the present invention, a computer-readable storage medium is further 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 financial transaction verification methods based on a blockchain network in the above-mentioned embodiment 1.

[0126] Optionally, in this embodiment, the 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 blockchain network-based financial transaction verification method 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 for description only 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 focus. 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 exemplary. For example, the division of the units can be a logical function division. In actual implementation, there may be other division methods, such as 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 separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across 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, the functional units in the various embodiments of the present invention may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or 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, 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. The computer software product is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server or 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, etc. Various 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 principles of the present invention. These improvements and modifications should also be regarded as within 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: Acquiring attribute sets of the transaction party and the party to be transacted, and having the financial qualification authentication node and the financial institution node verify the attribute sets. If the verification passes, generating identity identifiers of the transaction party and the party to be transacted based on the attribute sets, wherein the attribute sets include 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: transaction conditions and transaction information provided by the transaction party, and the standard interval value positioning processing refers to defining a feature level based on the numerical value of the first-level verification standard feature; Obtain a 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, and perform 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. Specifically, the step includes: performing identity authentication on the identity identifiers of the transaction party and the party to be transacted, and if the identity authentication is successful, calculating a similarity value between the single-verification feature and the single-verification standard feature; and determining that the single-verification is successful when the similarity value is equal to a target value. The calculation formula is as follows: In the formula, A is a single-verification feature, B is a single-verification standard feature, cosθ is the cosine similarity value between the single-verification feature A and the single-verification standard feature B, A i is the value of the first 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, n is the dimension of the single-verification feature and the single-verification standard feature, that is, the number of elements in the feature, wherein the transaction request response information includes: the transaction conditions and transaction information provided by the transaction party; In the case that the single-verification is passed, the transaction request response information is subjected to standard interval value positioning processing to obtain a double-verification feature, and a double-verification is performed based on the double-verification feature and the double-verification standard feature, specifically including comparing the feature level corresponding to the double-verification feature with the feature level corresponding to the double-verification standard feature; in the case that 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; in the case that the double-verification is passed, the financial digital product data provided by the party to be traded is bound to the trading party.

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 party to be transacted includes: Obtaining 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 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 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, wherein: The step of extracting features from the transaction request response information in the financial transaction request to obtain the single-factor verification feature includes: Extracting features from the transaction request response information, and verifying the extracted features based on the attribute set of the transaction party; If 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: 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.

6. 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 behavioral data of the transaction party and the party to be transacted at the financial qualification authentication node and the financial institution node, and generate an attribute set based on the behavioral 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 successful, generate identity identifiers of the transaction party and the party to be transacted 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 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 a 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 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 response feedback module includes: a calculation submodule for authenticating the identity identifiers of the transaction party and the transaction party, and when the identity authentication is successful, calculating the similarity value between the single-factor authentication feature and the single-factor authentication standard feature; a first determination submodule for determining that the single-factor authentication is successful when the similarity value is equal to the target value, and the calculation formula is as follows: In the formula, A is a single-verification feature, B is a single-verification standard feature, cosθ is the cosine similarity value between the single-verification feature A and the single-verification standard feature B, A i is the value of the first 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, n is the dimension of the single-verification feature and the single-verification standard feature, that is, the number of elements in the 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 to obtain a double verification feature when the single verification is passed; the response comparison module performs double verification based on the double verification feature and the double verification standard feature, and the response comparison module includes: a second judgment 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 when 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; the financial binding module is used to bind the financial digital product data provided by the party to be traded to the trading party when the double verification is passed.

7. An electronic device, characterized in that: The system comprises 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 5.

8. 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 as described in any one of claims 1 to 5 are implemented.

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