A network payment authentication method for commodity supply chain platform

Abstract

The present application relates to the field of payment authentication technology, and specifically to a network payment authentication method for a commodity supply chain platform. The method comprises: collecting all transaction records of each user on the commodity supply chain platform as a purchaser, comparing the differences between each transaction record and the device data in the remaining transaction records, and determining the reliable payment weight of each transaction record; determining the supply relationship of each transaction record and establishing an initial supply chain graph; obtaining the supply characteristic value of each supply relationship, retaining the reliable supply relationship, determining the supply chain graph, obtaining the volume value of each user, and determining the supply chain hierarchy of all users; based on all the reliable supply relationships of each user as a purchaser, obtaining the security requirement value of each user, determining the authentication level of each user, and performing network payment authentication. The present application aims to enhance the adaptability of payment authentication to multi-level links in the supply chain.

Description

Technical Field

[0001] The present application relates to the field of payment authentication technology, and in particular to a network payment authentication method for a commodity supply chain platform. Background Art

[0002] Payment authentication is a key step in ensuring the security of online transactions. Traditional payment authentication methods mainly rely on a combination of usernames and passwords. Usernames are usually public, while passwords are easily cracked or forgotten by users. In addition, with the continuous expansion of transaction scale and the increasing frequency of transactions on supply chain platforms, payment authentication methods also need to be efficient and scalable. The identity authentication mechanism in multi-link transaction scenarios is single, and low-level authentication methods cannot provide sufficient protection in scenarios with high security requirements. Although high-level authentication methods are more secure, they may cause response delays and authentication failures when processing a large number of concurrent transactions, thereby affecting user experience and making it difficult to adapt to the complex multi-level links in the supply chain. Summary of the Invention

[0003] In view of the above, it is necessary to provide a network payment authentication method for a commodity supply chain platform to solve the above problems.

[0004] One embodiment of the present application provides a network payment authentication method for a commodity supply chain platform, the method comprising:

[0005] Collect device data and transaction data for each transaction record in a preset time period on the commodity supply chain platform; the transaction data includes the purchaser, supplier, and transaction amount;

[0006] Extract all transaction records of each user as the purchaser, compare the differences between each transaction record and the device data in the remaining transaction records, and determine the reliable payment weight of each transaction record;

[0007] Determine the supply relationship for each transaction record and establish an initial supply chain graph; count all transaction records for each supply relationship, use the reliable payment weight as the weight of the corresponding transaction record, obtain the supply characteristic value of each supply relationship, screen all supply relationships, retain reliable supply relationships, determine the supply chain graph, use the transaction amount when each user is the supplier as the volume value of each user, and combine with the clustering algorithm to determine the supply chain hierarchy of all users;

[0008] By integrating all reliable supply relationships of each user as a purchaser, combined with the supply chain hierarchy and volume value, each user's security requirement value is obtained, and each user's authentication level is determined;

[0009] Perform online payment authentication based on each user's authentication level.

[0010] The specific formula for determining the reliable payment weight of each transaction record is: Where, The i-th device data of the g-th and n-th transaction records of user x as the purchaser, respectively; is the Hamming distance function; is the length of the string of the i-th device data; represents the reliable payment weight of the g-th transaction record where user x is the purchaser; represents the number of all transaction records where user x is the purchaser; I represents the number of types of device data.

[0011] The establishment of the initial supply chain diagram is specifically as follows:

[0012] Each user on the commodity supply chain platform is regarded as each node of the initial supply chain graph. For each transaction record, the connection from the supplier user node to the purchaser user node is regarded as each directed line in the initial supply chain graph.

[0013] The supply characteristic value of each supply relationship is obtained as follows:

[0014] For each transaction record, the reliable payment weight is used as the weight of the corresponding transaction amount, and all transaction amounts of each supply relationship are weighted and summed to obtain the supply characteristic value of each supply relationship.

[0015] The above-mentioned reliable supply relationship is specifically:

[0016] Threshold segmentation is performed on the supply characteristic values ​​of all supply relationships to obtain a segmentation threshold, and the supply relationship whose supply characteristic value is greater than the segmentation threshold is regarded as a reliable supply relationship.

[0017] The process of determining the supply chain diagram is as follows:

[0018] The directed lines corresponding to the reliable supply relationships in the initial supply chain graph are retained, and the supply characteristic values ​​of the reliable supply relationships are used as the edge weights of the directed lines in the supply chain graph.

[0019] The specific process of determining the supply chain hierarchy of all users is as follows:

[0020] Cluster the volume values ​​of all users, sort the obtained clusters from large to small according to the mean volume value, and use the sorting value as the supply chain level of the users in the cluster.

[0021] The security requirement value of each user is obtained as follows:

[0022] The normalized value of the accumulated edge weights of all reliable supply relationships of each user as the purchaser is used as the supply reliability evaluation value of each user;

[0023] The supply chain level, volume value and supply reliability assessment value of each user are combined into the characteristic vector of each user; a comprehensive evaluation algorithm is used on the characteristic vectors of all users to obtain the safety demand value of each user.

[0024] The authentication level of each user is determined as follows:

[0025] Preset a first threshold and a second threshold, wherein the second threshold is greater than the first threshold;

[0026] When the user's security requirement value is less than the first threshold, the user's authentication level is the lowest level; when the user's security requirement value is greater than the second threshold, the user's authentication level is the highest level; otherwise, the user's authentication level is the middle level;

[0027] If the transaction amount of a user with the lowest or middle authentication level is higher than the average historical transaction amount, the user's authentication level will be temporarily increased by one level.

[0028] The online payment authentication is specifically as follows:

[0029] When the user's authentication level is the lowest, online payment authentication is performed through biometric verification;

[0030] When the user's authentication level is intermediate, online payment authentication is performed through verification code verification and biometric verification;

[0031] When the user's authentication level is the highest, online payment authentication is performed through CA verification, identity verification of the purchaser and supplier, verification code verification, and biometric verification.

[0032] This application has at least the following beneficial effects:

[0033] 1. This application uses supply relationship screening feature values ​​to screen supply relationships, which is conducive to improving the quality and reliability of the entire supply chain graph, avoiding commodity trading risks brought by unreliable supply relationships, and by screening out unreliable supply relationships, reducing unnecessary complexity and calculation amount, and enhancing the accuracy of subsequent supply chain graph analysis.

[0034] 2. This application targets the security requirements of user nodes. For user nodes with low security requirements, it focuses on the user experience in payment authentication to reduce user churn. For user nodes with high security requirements, it focuses on the security of user node payment authentication to prevent abnormal transactions in online payments, taking into account both security and user experience.

[0035] 3. This application establishes a stepped authentication strategy for online payment authentication, enhances the adaptability of payment authentication to multi-level links in the supply chain, and can adaptively perform online payment authentication based on the authentication level of the user node, meeting the collaboration needs of multi-level entities in the supply chain, and avoiding problems such as slow response and authentication failure caused by high-authentication-level payment authentication methods in large-scale concurrent transaction scenarios. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] Figure 1 The trusted device binding flow chart provided for this application;

[0037] Figure 2 This is a flowchart of a network payment authentication method for a commodity supply chain platform provided by this application;

[0038] Figure 3 Schematic diagram of the supply chain diagram of the four-layer supply chain links provided in this application. DETAILED DESCRIPTION

[0039] In the description of the embodiments of this application, words such as "exemplary," "or," and "for example" are used to indicate examples, illustrations, or descriptions. Any embodiment or design described as "exemplary" or "for example" in the embodiments of this application should not be construed as being preferred or advantageous over other embodiments or designs. Rather, the use of words such as "exemplary," "or," and "for example" is intended to present the relevant concepts in a concrete manner.

[0040] Unless otherwise defined, all technical and scientific terms used herein have the same meaning as those commonly understood by those skilled in the art in the art of this application. The terms used in the specification of this application are only for the purpose of describing specific embodiments and are not intended to limit this application.

[0041] It should also be noted that the terms "first" and "second" in this application and its accompanying drawings are used to distinguish similar objects, rather than to describe a specific order or precedence. The methods disclosed in the embodiments of this application or the methods shown in the flowcharts include one or more steps for implementing the methods. Without departing from the scope of protection of this application, the order of execution of multiple steps can be interchanged with each other, and some steps can also be deleted.

[0042] Unless defined otherwise, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this application belongs.

[0043] Since the commodity supply chain involves multi-party collaboration and device borrowing often occurs, this application establishes a trusted device binding mechanism to ensure the authenticity of communication endpoints through the "user-device-certificate" principle:

[0044] (1) User initiates registration / login request: The user submits registration information or login credentials to the commodity supply chain platform through a client device such as a mobile phone, tablet, or POS terminal.

[0045] (2) The platform initiates the strong authentication process: When the commodity supply chain platform detects that the user is logging in for the first time or the device has been changed, the device binding mechanism is triggered; the commodity supply chain platform sends an encrypted instruction to the client, requiring the user to perform strong authentication.

[0046] (3) Calling the device security module: The client calls the device security module and displays the biometric feature collection interface, such as fingerprint, face, and iris, requiring the user to enter the biometric feature and password;

[0047] (4) Client-side biometric collection: The user collects biometrics on the client and calculates the biometric hash value locally.

[0048] (5) Transmission of biometric hash value: The client encrypts the biometric hash value and uploads it to the product supply chain platform through the TLS channel, while sending the device fingerprint at the same time.

[0049] (6) Platform requests device certificate: After verifying that the biometric hash value matches the user identity, the commodity supply chain platform sends a device certificate application to the CA certification authority, where the application information includes user ID, device fingerprint, and biometric hash value.

[0050] (7) CA issues device certificate: CA generates a device fingerprint certificate through the PKI system. The certificate contains the device public key, validity period (default 72 hours), and the product supply chain platform signature. Each device fingerprint certificate is bound to only one user account to prevent multiple accounts from sharing the same trusted device. Finally, the device fingerprint certificate will be returned to the platform after being securely encrypted.

[0051] (8) Secure storage of certificates: The product supply chain platform sends the device fingerprint certificate to the client through a secure channel. The client stores the device fingerprint certificate in the trusted execution environment (TEE) to prevent tampering and complete the trusted device binding.

[0052] After the device is successfully bound, the commodity supply chain platform establishes a "user-device-certificate" association relationship. Subsequent transactions can realize network payment authentication based on this trust chain. The trusted device binding flow chart is as follows: Figure 1 shown.

[0053] This application proposes a network payment authentication method for a commodity supply chain platform, which is applied in the field of payment authentication technology. Figure 2 , the method comprises the following steps:

[0054] S1: Collect device data and transaction data of each transaction record in a preset time period on the commodity supply chain platform; the transaction data includes the purchaser, supplier and transaction amount.

[0055] In the commodity supply chain platform, each payment transaction between the purchaser and the supplier is recorded as a transaction record, and the device data and transaction data of each transaction record within one year are obtained. The device data includes the identity information, location information, IP information and base station information of the user making the transaction record. The transaction data includes the purchaser, supplier and transaction amount of the commodity.

[0056] Specifically, the client device collects user fingerprint information as biometric information, uses the user fingerprint information as input to the BioHashing algorithm, outputs a binary BioHash sequence as the identity information of this transaction record, and the string length of the identity information is 256; the client device calls the device positioning module to obtain the latitude and longitude information of the client device in this transaction record, uses the latitude and longitude information as input to the GeoHash encoding, and outputs a GeoHash encoded character sequence as the location information of this transaction record. The string length of the location information is 9; the IPv6 address of the client device is obtained through the network service API interface, and the binary conversion result of the IPv6 address is used as the IP information of this transaction record. The string length of the IP information is 128; the base station number (CellIdentity, CID) information of the base station corresponding to the client device is obtained through the TelephonyManager class, and the binary conversion result of the CID information is used as the base station information of this transaction record. The string length of the base station information is 28.

[0057] S2: Extract all transaction records of each user as the purchaser, compare the differences between each transaction record and the device data in the remaining transaction records, and determine the reliable payment weight of each transaction record.

[0058] In the commodity supply chain platform, every payment transaction involves a supplier and a purchaser. The supplier provides the goods, and the purchaser conducts the payment transaction. The device data recorded in the transaction serves as a means of verification for user identity recognition, behavior pattern analysis, and payment authentication, helping to identify risks in payment transactions and prevent fraudulent transactions.

[0059] Specifically, identity information is direct proof of the user's identity and can reduce the risk of identity theft or impersonation; location information reflects the user's geographic location and behavioral habits, and similar location information indicates that the user's transaction behavior is in line with daily habits; IP information reflects the user's network access environment, and similar IP information can reduce and avoid abnormal network access; base station information reflects the location where the user accesses the mobile network, reducing transaction risks caused by large changes in location and network.

[0060] This application takes user x as an example, obtains all transaction records of user x in the commodity supply chain platform within 1 year, and records the number of all transaction records of purchasing user x in 1 year as Each transaction record includes I types of device data, namely identity information, location information, IP information and base station information. This application uses the following formula to obtain the reliable payment weight of user x in the gth transaction record: , the specific formula is:

[0061] ,

[0062] Where, The i-th device data of the g-th and n-th transaction records respectively; is the Hamming distance function; is the length of the string of the i-th device data. It should be noted that The identity information of the transaction record in Article g, The location information of the transaction record in item g. The IP information for the transaction record in Article g. The base station information for the transaction record in Article g.

[0063] calculate The purpose is to avoid different string lengths of data from different devices and to perform normalization. The greater the deviation of the device data in the transaction record, the lower the reference value of the transaction record analysis may be, the greater the accidental factors of the transaction record may be, and the more difficult it is to provide good reliability support for supply chain analysis. Reliable payment weight The smaller.

[0064] S3: Determine the supply relationship of each transaction record and establish an initial supply chain diagram; count all transaction records of each supply relationship, use the reliable payment weight as the weight of the corresponding transaction record, obtain the supply characteristic value of each supply relationship, screen all supply relationships, retain reliable supply relationships, determine the supply chain diagram, use the transaction amount when each user is the supplier as the volume value of each user, and combine with the clustering algorithm to determine the supply chain hierarchy of all users.

[0065] The commodity supply chain platform involves many participants, and the payment authentication method needs to be able to adapt to the authentication requirements of roles at different levels of the supply chain. This application treats all users on the commodity supply chain platform as a node. For each transaction record, the supplier user node is pointed to the purchaser user node. Each directed line is regarded as a supply relationship to construct an initial supply chain graph, where one supply relationship may correspond to several transaction records. In order to simplify the supply chain network structure, make it clearer and more efficient, and avoid the existence of unreliable supply relationships in the supply chain network structure, it is necessary to screen the supply relationships.

[0066] This application takes user node x as the purchaser and user node y as the supplier as an example, and uses y->x to represent the supply relationship between purchaser user node x and supplier user node y. It obtains all transaction records of the supply relationship y->x and obtains the reliable payment weight and transaction amount of each transaction record. The supply characteristic value of the supply relationship y->x is obtained through the following formula: :

[0067] ,

[0068] Where, is the number of transaction records of the supply relationship y->x, is the reliable payment weight of the cth transaction record in the supply relationship y->x, The transaction amount is the cth transaction record in the supply relationship y->x. Considering the transaction amount is to avoid the problem of supply relationships being easily deleted due to users at the top of the product supply chain having large transaction amounts and few supply relationships. Supply relationships with low reliable payment weights may bring higher transaction risks. The smaller the supply characteristic value, the more likely the supply relationship is to be deleted.

[0069] This application obtains the supply characteristic values ​​of all supply relationships as input to the Otsu method, outputs a segmentation threshold, and considers supply relationships with supply characteristic values ​​greater than the segmentation threshold as reliable supply relationships for the commodity supply chain platform. In the initial supply chain graph, only reliable supply relationships are retained, and the supply characteristic values ​​of reliable supply relationships are used as the edge weights of directed lines to obtain the supply chain graph.

[0070] Obtain the volume value of any user node in the supply chain graph. Specifically, this embodiment calculates the total value of the transaction amount received when the user node is the supplier as the volume value. The volume values ​​of all user nodes are used as the input of the Naturalbreaks algorithm, wherein the cluster number K of the Natural breaks algorithm can be calculated by the elbow method, and K clusters are output. They are arranged in descending order according to the mean volume value of the clusters, and the sorting value is used as the supply chain level of the user in the cluster. For example, the supply chain level of all user nodes in the cluster with the largest mean volume value is 1. Among them, the schematic diagram of the supply chain graph of the 4-layer supply chain link is as follows Figure 3 As shown, Figure 3 In , k represents the supply chain level.

[0071] S4: Comprehensively analyze all reliable supply relationships of each user as a purchaser, combine the supply chain hierarchy and volume value, obtain the security requirement value of each user, and determine the authentication level of each user.

[0072] In commodity supply chain platforms, users at the lower levels of the supply chain hierarchy are often large, important supply chain nodes and have high demands for online payment authentication security. Meanwhile, users at higher levels of the supply chain hierarchy are often located in the middle and end of the supply chain, and their number is large. Using highly secure payment authentication methods would inevitably consume significant resources on the commodity supply chain platform, potentially leading to slow responses and authentication failures when handling large-scale concurrent transactions.

[0073] This application uses user node x as an example. In the supply chain graph, all reliable supply relationships in which user node x is the purchaser are obtained. The accumulated and normalized edge weights of the reliable supply relationships are used as the supply reliability assessment value of user node x. The supply reliability of the user node is reflected through historical transaction records. The normalization method in this embodiment adopts the maximum and minimum value normalization method. It should be understood that the larger the supply reliability assessment value, the higher the historical reliability of the user node in payment transactions, the lower the possibility of risk incurred by the user node during the payment authentication process, and the lower the security requirement.

[0074] At this point, this application constructs a feature vector from the acquired supply chain hierarchy, volume value, and supply reliability assessment value of any user node in the supply chain graph. This feature vector is used as input for a comprehensive evaluation algorithm, where the supply chain hierarchy and supply reliability assessment value are minimal indicators, and the volume value is a maximal indicator. The algorithm then outputs a comprehensive evaluation value for any user node, which serves as the security requirement value for the user node. This embodiment uses the Topsis model for calculations, a well-known prior art comprehensive evaluation algorithm that will not be further elaborated in this application.

[0075] The lower the supply chain level of the user node and the larger the volume value, the more likely the user node is to be an important supply chain node on the supply chain graph, the higher the security required for payment authentication, and the higher the security requirement value; the smaller the supply reliability assessment value, the greater the possibility of risks incurred by the user node during the payment authentication process, and the higher the security requirement value.

[0076] Payment authentication methods with low authentication levels are not secure enough in scenarios with high security requirements. Payment authentication methods with high authentication levels are prone to problems such as slow response and authentication failure when processing large-scale concurrent transactions, resulting in a poor user experience. In the commodity supply chain platform, in order to adapt to the multi-level links of the supply chain and take into account both security and user experience, user nodes with low security requirements should pay more attention to user experience when performing payment authentication and adopt a lower authentication level. User nodes with high security requirements should pay more attention to payment security when performing payment authentication and adopt a higher authentication level. This application automatically obtains the authentication level of the user node based on the security requirement value of the user node:

[0077] (1) When the user node security requirement value is less than the first threshold, it means that the security of the transaction record is relatively high based on the historical records of the user node, and attention should be paid to the user experience. The authentication level is at the lowest level, where the first threshold is 0.2 in this embodiment.

[0078] (2) When the user node security requirement value is greater than the first threshold and less than the second threshold, it indicates that the user node requires a certain level of security for payment authentication. The authentication level is set to an intermediate level, where the second threshold is 0.5 in this embodiment.

[0079] (3) When the user node security requirement value is greater than the second threshold, it means that the user node payment authentication requires higher security, and the authentication level is set to the highest level.

[0080] (4) When the transaction amount of the user node is higher than the average transaction amount of the user node's historical transaction records, in order to improve the security of payment transactions on the commodity supply chain platform, if the authentication level of the user node is not the highest level, the user node will temporarily increase the authentication level by 1 level when making this network payment.

[0081] S5: Perform online payment authentication based on each user's authentication level.

[0082] According to the above steps, the authentication level of all user nodes in the supply chain graph is obtained. This application adopts a step-by-step authentication strategy for online payment authentication:

[0083] (1) When the user's online payment authentication level is the lowest level:

[0084] The client's trusted device calls the biometric verification module to verify the user's identity. If the biometric verification passes, the online payment authentication is completed.

[0085] (2) When the user's online payment authentication level is intermediate:

[0086] The commodity supply chain platform uses the TOTP algorithm (a time-based one-time password algorithm) to send a dynamic SMS verification code to the client's trusted device. After the user enters the verification code, the commodity supply chain platform verifies its validity. If the verification code is successful, the client's trusted device calls the biometric verification module to verify the user's identity, ultimately completing online payment authentication.

[0087] (3) When the user's online payment authentication level is the highest level:

[0088] The commodity supply chain platform first verifies the validity of the digital certificate with the CA, verifying the identities of both the purchaser and the supplier. If the digital certificate is successfully verified, the platform uses the TOTP algorithm to send a dynamic SMS verification code to the client's trusted device. The user enters the verification code, and the platform verifies its validity. If the verification code is successful, the client's trusted device invokes the biometric verification module to verify the user's identity, ultimately completing online payment authentication.

[0089] The flowcharts and block diagrams in the accompanying drawings show the possible architecture, functions and operations of the systems, methods and computer program products according to the embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, a program segment or a part of the code, and the part of the module, program segment or code contains one or more executable instructions for realizing the specified logical function. In some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two consecutive boxes can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. In the description corresponding to the flowcharts and block diagrams in the accompanying drawings, the operations or steps corresponding to different boxes can also occur in an order different from that disclosed in the description, and sometimes there is no specific order between different operations or steps. For example, two consecutive operations or steps can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, which can depend on the functions involved. Each block in the block diagrams and / or flowcharts, and combinations of blocks in the block diagrams and / or flowcharts, may be implemented by a dedicated hardware-based system that performs the specified function or action, or may be implemented by a combination of dedicated hardware and computer instructions.

[0090] The above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit them. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or make equivalent replacements for some of the technical features therein. These modifications or replacements do not deviate the essence of the corresponding technical solutions from the scope of the technical solutions of the embodiments of the present application, and should all be included in the scope of protection of the present application.

Claims

1. A network payment authentication method for a commodity supply chain platform, characterized in that: The method comprises the following steps: Collect device data and transaction data for each transaction record in a preset time period on the commodity supply chain platform; the transaction data includes the purchaser, supplier, and transaction amount; Extract all transaction records of each user as the purchaser, compare the differences between each transaction record and the device data in the remaining transaction records, and determine the reliable payment weight of each transaction record; Determine the supply relationship for each transaction record and establish an initial supply chain graph; count all transaction records for each supply relationship, use the reliable payment weight as the weight of the corresponding transaction amount, perform weighted summation on all transaction amounts for each supply relationship, obtain the supply characteristic value of each supply relationship, screen all supply relationships, retain reliable supply relationships, determine the supply chain graph, use the transaction amount when each user is a supplier as the volume value of each user, cluster the volume values ​​of all users, sort the resulting clusters from largest to smallest according to the mean volume value, and use the sorted value as the supply chain path level of the user in the cluster; Combining all reliable supply relationships of each user as a purchaser with the supply chain hierarchy and volume value to obtain a security requirement value for each user, including: accumulating the normalized value of the edge weights of all reliable supply relationships of each user as a purchaser as the supply reliability assessment value for each user; combining the supply chain hierarchy, volume value, and supply reliability assessment value of each user to form a feature vector for each user; applying a comprehensive evaluation algorithm to the feature vectors of all users to obtain a security requirement value for each user; and determining the authentication level of each user. Perform online payment authentication based on each user's authentication level.

2. The online payment authentication method for a commodity supply chain platform according to claim 1, characterized in that: The specific formula for determining the reliable payment weight of each transaction record is: Where, The i-th device data of the g-th and n-th transaction records of user x as the purchaser, respectively; is the Hamming distance function; is the length of the string of the i-th device data; represents the reliable payment weight of the g-th transaction record where user x is the purchaser; represents the number of all transaction records where user x is the purchaser; I represents the number of types of device data.

3. The online payment authentication method for a commodity supply chain platform according to claim 1, characterized in that: The establishment of the initial supply chain diagram is specifically as follows: Each user on the commodity supply chain platform is regarded as each node of the initial supply chain graph. For each transaction record, the connection from the supplier user node to the purchaser user node is regarded as each directed line in the initial supply chain graph.

4. The online payment authentication method for a commodity supply chain platform according to claim 1, characterized in that: The maintenance of reliable supply relationships specifically includes: Threshold segmentation is performed on the supply characteristic values ​​of all supply relationships to obtain a segmentation threshold, and the supply relationship whose supply characteristic value is greater than the segmentation threshold is regarded as a reliable supply relationship.

5. The online payment authentication method for a commodity supply chain platform according to claim 1, characterized in that: The determination process is: The directed lines corresponding to the reliable supply relationships in the initial supply chain graph are retained, and the supply characteristic values ​​of the reliable supply relationships are used as the edge weights of the directed lines in the supply chain graph.

6. The online payment authentication method for a commodity supply chain platform according to claim 1, characterized in that: The specific method for determining the authentication level of each user is as follows: Preset a first threshold and a second threshold, wherein the second threshold is greater than the first threshold; When the user's security requirement value is less than the first threshold, the user's authentication level is the lowest level; When the user's security requirement value is greater than the second threshold, the user's authentication level is the highest level; otherwise, the user's authentication level is the middle level; If the transaction amount of a user with the lowest or middle authentication level is higher than the average historical transaction amount, the user's authentication level will be temporarily increased by one level.

7. A network payment authentication method for a commodity supply chain platform according to claim 6, characterized in that: The online payment authentication is specifically as follows: When the user's authentication level is the lowest, online payment authentication is performed through biometric verification; When the user's authentication level is intermediate, online payment authentication is performed through verification code verification and biometric verification; When the user's authentication level is the highest, online payment authentication is performed through CA verification, identity verification of the purchaser and supplier, verification code verification, and biometric verification.

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