Resource transfer risk identification method and system

Abstract

Embodiments of the present application provide a resource transfer risk identification method and system, wherein the resource transfer risk identification method comprises: in response to a resource issuance request of a requestor node, generating a risk resource pool digest list based on a resource pool of the requestor node; generating first resource transfer information of a target resource based on the resource issuance request, the first resource transfer information containing the risk resource pool digest list; storing the first resource transfer information on a blockchain, and pointing a receiver of the first resource transfer information to a second processing node, so that the second processing node identifies the first resource transfer information from the blockchain, identifies a next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is a target resource pool and a digest of the target resource pool falls within the risk resource pool digest list, generates risk information and records the risk information on the blockchain. Through the scheme of the present application, the post-loan risk control capability is improved.

Description

Technical Field

[0001] This invention relates to the field of information processing technology, and more specifically, to a method and system for identifying resource transfer risks. Background Technology

[0002] Currently, cross-bank collaboration is often required to monitor loan usage and identify potential misuse of loans. Independent cross-bank fund supervision relies on banks obtaining offline paper documents from other banks and authorizing their submission. Transaction information is sensitive and subject to privacy and security restrictions, making it difficult for banks to develop effective online solutions for tracking loan funds. Due to the lack of effective information sharing mechanisms among financial institutions, the destination of corporate loan funds after cross-bank outflows is unknown, making it impossible to identify the risk of fund repatriation and resulting in insufficient post-loan risk control capabilities. Summary of the Invention

[0003] The purpose of this invention is to provide a method and system for identifying resource transfer risks, which can solve the problems of unknown destination of corporate loan funds after cross-bank outflow, inability to identify the risk of fund return, and insufficient post-loan risk control capabilities.

[0004] In view of this, an embodiment of the first aspect of the present invention provides a method for identifying resource transfer risks.

[0005] An embodiment of the second aspect of the present invention provides a resource transfer risk identification system.

[0006] To achieve the above objectives, an embodiment of the first aspect of the present invention provides a resource transfer risk identification method, executed by a first processing node. The resource transfer risk identification method includes: responding to a resource allocation request from a requesting node, generating a list of risky resource pool summaries based on the resource pool of the requesting node; generating first resource transfer information of a target resource based on the resource allocation request, the first resource transfer information including the list of risky resource pool summaries; storing the first resource transfer information on a blockchain, and setting the recipient of the first resource transfer information to a second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the summary of the target resource pool falls into the list of risky resource pool summaries, then generating risk information and recording the risk information on the blockchain.

[0007] The resource transfer risk identification method executed by the first processing node responds to the resource disbursement request from the corporate account and generates the target resource, namely the first resource transfer information for the target loan. In addition to the embedded risk resource pool summary list, the first resource transfer information transforms the transaction serial number, counterparty bank number, and transaction amount generated by the first processing node into standardized data that can be accurately located and quantitatively analyzed on the blockchain network. This allows for the quantification and validity verification of corporate loan fund tracking and risk identification.

[0008] In some technical solutions, optionally, the first resource transfer information is stored on the blockchain, and the recipient of the first resource transfer information is pointed to the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain. This includes: encrypting the first resource transfer information to obtain encrypted first resource transfer information; generating a recipient identifier that indicates the second processing node, and storing the recipient identifier together with the encrypted first resource transfer information on the blockchain, so that the second processing node can identify the first resource transfer information from the blockchain based on the recipient identifier.

[0009] In this scheme, asymmetric decryption technology, such as the recipient's public key, is used to encrypt sensitive monitoring information, resulting in encrypted first resource transfer information. This first resource transfer information includes a transaction serial number generated by the first processing node, the counterparty bank number, the transaction amount, and a risk resource pool summary list. By attaching a recipient identifier to the first resource transfer information, the recipient identifier is stored on the blockchain along with the encrypted first resource transfer information. The second processing node uses the recipient identifier to identify the first resource transfer information corresponding to the requesting node on the blockchain.

[0010] Optionally, in some technical solutions, after the second processing node identifies the first resource transfer information from the blockchain, the process further includes: identifying the next-hop transfer node of the target resource based on the first resource transfer information; and if the next-hop transfer node is the target resource pool and the summary of the target resource pool does not match the list of risk resource pool summaries, then the resource issuance request continues to be responded to.

[0011] In this scheme, when the first processing node executes the resource transfer risk identification method, the second processing node identifies the next-hop transfer node of the target resource as the target resource pool based on the first resource transfer information. The summary of the target resource pool does not match the summary list of the risk resource pool, that is, the receiving account is not the original corporate loan account or related account. The silent transaction is completed normally, and the node continues to respond to the resource issuance request, automatically transferring the monitoring responsibilities and data transmission to the next processing node. The transaction link corresponding to the resource issuance request will continue to be transmitted to form a tree-like network as long as it does not time out.

[0012] In some technical solutions, optionally, the resource transfer risk identification method is executed by the second processing node. The resource transfer risk identification method includes: identifying first resource transfer information from the blockchain, wherein the first resource transfer information is generated and recorded on the blockchain by the first processing node when distributing the target resource, the recipient of the first resource transfer information points to the second processing node, and includes a list of risky resource pool summaries; determining the next-hop transfer node of the target resource based on the first resource transfer information; if the next-hop transfer node is a processing node other than the first and second processing nodes, generating second resource transfer information, pointing the recipient of the second resource transfer information to the other processing node, and recording the second resource transfer information on the blockchain; if the next-hop transfer node is the target resource pool, and the summary of the target resource pool falls into the list of risky resource pool summaries, then generating risk information and recording the risk information on the blockchain.

[0013] In this scheme, the method for identifying resource transfer risks is no longer described from the perspective of the first processing node, but rather the method is defined from the intermediate link of the fund flow, namely the second processing node.

[0014] In some technical solutions, optionally, the second processing node listens to the node information on the blockchain and parses the risk information generated by the first processing node or other processing nodes in the node information.

[0015] In this scheme, the second processing node continuously and proactively scans new blocks and transaction information on the blockchain. Node information refers to the node information generated and recorded on the blockchain by the first processing node or other processing nodes. When the second processing node detects risk information from the node information on the blockchain, it parses the risk information and extracts key information, such as identifying the corporate account exhibiting risky behavior through hash value identification, and at least one counterparty bank related to the risk information.

[0016] Optionally, in some technical solutions, a resource transfer risk identification method is provided, where the recipient is a second processing node. The method includes: responding to a continuous detection request for first resource transfer information on the blockchain, determining, based on the first resource transfer information, that the target resource has been transferred to the second processing node, and notifying the second processing node, wherein the first resource transfer information is generated by the first processing node when it acquires the target resource, and is recorded on the blockchain by the first processing node along with a list of prohibited resource pools corresponding to the target resource; determining, based on the second resource transfer information on the blockchain, the target resource pool to which the target resource flows, wherein the second resource transfer information is generated by the second processing node after receiving the notification and is recorded on the blockchain; generating risk information in response to the target resource pool matching at least one of the prohibited resource pools; and recording the risk information on the blockchain.

[0017] In this scheme, the recipient of the resource transfer risk identification method is the second processing node. When the first resource transfer information is recorded on the blockchain, the smart contract on the blockchain will automatically detect the event of at least one processing node on the chain and generate a continuous detection request.

[0018] A second aspect of the present invention provides a resource transfer risk identification system, comprising: a first resource processing unit, configured to generate a risky resource pool summary list based on the resource pool of a requesting node in response to a resource allocation request; a first information processing unit, configured to generate first resource transfer information of a target resource based on the resource allocation request, the first resource transfer information including the risky resource pool summary list; and a first information encryption unit, configured to store the first resource transfer information on a blockchain and make the recipient of the first resource transfer information point to a second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the summary of the target resource pool falls into the risky resource pool summary list, generate risk information and record the risk information on the blockchain.

[0019] In some technical solutions, optionally, the first information encryption unit is further used to: encrypt the first resource transfer information to obtain encrypted first resource transfer information; generate a receiver identifier that indicates the second processing node, and store the receiver identifier together with the encrypted first resource transfer information on the blockchain, so that the second processing node can identify the first resource transfer information from the blockchain based on the receiver identifier.

[0020] Optionally, in some technical solutions, a resource transfer risk identification system includes: a second resource processing unit, used to identify first resource transfer information from the blockchain, wherein the first resource transfer information is generated and recorded on the blockchain by a first processing node when distributing target resources, the recipient of the first resource transfer information points to a second processing node, and includes a list of risky resource pool summaries; a second resource transfer unit, used to determine the next-hop transfer node of the target resource based on the first resource transfer information; a second information processing unit, used to generate second resource transfer information if the next-hop transfer node is a processing node other than the first and second processing nodes, to point the recipient of the second resource transfer information to the other processing node, and to record the second resource transfer information on the blockchain; and a second information encryption unit, used to generate risk information and record the risk information on the blockchain if the next-hop transfer node is the target resource pool, and the summary of the target resource pool falls into the list of risky resource pool summaries.

[0021] Optionally, in some technical solutions, a resource transfer risk identification system includes: a second detection and receiving unit, configured to respond to a continuous detection request for first resource transfer information on the blockchain, determine the target resource to be transferred to a second processing node based on the first resource transfer information, and notify the second processing node, wherein the first resource transfer information is generated by the first processing node when it acquires the target resource, and is recorded on the blockchain by the first processing node together with a list of prohibited resource pools corresponding to the target resource; a second transfer receiving unit, configured to determine the target resource pool to which the target resource flows based on the second resource transfer information on the blockchain, wherein the second resource transfer information is generated by the second processing node after receiving the notification and is recorded on the blockchain; a risk reporting unit, configured to generate risk information in response to the target resource pool matching at least one of the prohibited resource pools; and a blockchain storage unit, configured to record the risk information on the blockchain.

[0022] Additional aspects and advantages of the technical solutions of the present invention will become apparent in the following description or may be learned by practice of the invention. Attached Figure Description

[0023] Figure 1 One of the flowcharts of the resource transfer risk identification method according to this application is shown;

[0024] Figure 2 A second flowchart illustrating the resource transfer risk identification method according to this application is shown;

[0025] Figure 3 The third flowchart of the resource transfer risk identification method according to this application is shown;

[0026] Figure 4 The fourth flowchart of the resource transfer risk identification method according to this application is shown;

[0027] Figure 5 One of the schematic block diagrams of the resource transfer risk identification system according to this application is shown;

[0028] Figure 6 A second schematic block diagram of the resource transfer risk identification system according to this application is shown;

[0029] Figure 7 The third schematic block diagram of the resource transfer risk identification system according to this application is shown;

[0030] Figure 8 An application architecture block diagram of the resource transfer risk identification system according to this application is shown;

[0031] Figure 9 A technical architecture block diagram of the resource transfer risk identification system according to this application is shown;

[0032] Figure 10 A schematic diagram of the business process according to this application is shown.

[0033] in, Figures 5 to 7 The correspondence between the reference numerals and component names in the attached drawings is as follows:

[0034] 1000: Resource transfer risk identification system; 1002: First resource processing unit; 1004: First information processing unit; 1006: First information encryption unit; 1008: Second resource processing unit; 1010: Second resource transfer unit; 1012: Second information processing unit; 1014: Second information encryption unit; 1016: Second detection and receiving unit; 1018: Second transfer receiving unit; 1020: Risk reporting unit; 1022: Blockchain storage unit. Detailed Implementation

[0035] In related technologies, the lack of an effective information-sharing mechanism among financial institutions makes it impossible to know the destination of corporate loan funds after they flow out of banks, thus hindering the identification of fund repatriation risks and resulting in insufficient post-loan risk control capabilities. Traditional technologies employ counterparty analysis and fund chain tracing, but these are time-consuming, labor-intensive, and difficult to track across banks.

[0036] The resource transfer risk identification method and system provided in this application will be described in detail below with reference to specific embodiments and application scenarios.

[0037] This embodiment provides a method for identifying resource transfer risks, which is executed by a first processing node, such as... Figure 1 As shown, the resource transfer risk identification methods include:

[0038] Step S100: In response to the resource allocation request from the requesting node, generate a list of risky resource pools based on the resource pool of the requesting node;

[0039] Step S102: Based on the resource allocation request, generate the first resource transfer information of the target resource, which includes a list of risk resource pool summaries;

[0040] Step S104: Store the first resource transfer information on the blockchain and make the recipient of the first resource transfer information point to the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the summary of the target resource pool falls into the risk resource pool summary list, then generate risk information and record the risk information on the blockchain.

[0041] In this invention, the first processing node and the second processing node include, but are not limited to, financial institutions such as banks.

[0042] The blockchain network connects the first processing node, the second processing node, and other processing nodes involved in the resource distribution request process, as well as the risk control center. The risk control center uses the immutability, traceability, and distributed consensus characteristics of the blockchain to ensure that the flow of the resource distribution request chain is traceable.

[0043] Among them, the requesting node is the corporate account that requests a loan from a financial institution, and the loan type includes, but is not limited to, corporate loans.

[0044] A resource disbursement request refers to the process by which a bank prepares to disburse a loan after a company's loan application has been approved.

[0045] The resource pool of the requesting node refers to the collection of one or more corporate bank accounts opened by the enterprise at a bank.

[0046] The risk resource pool summary list does not use plaintext corporate bank account numbers directly, but is associated with the requesting node and uses a hash algorithm to calculate a series of irreversible hash values. The risk resource summary list represents the risk sources that need to be monitored.

[0047] The risk control center manages at least one connected financial institution through blockchain, managing and distributing third-party keys to these institutions. Simultaneously with the distribution to the banking institution, the risk control center retains the third-party keys for business data encryption and uploads them to the blockchain, parsing and decrypting the blockchain transaction information.

[0048] The risk control center sets permissions corresponding to keys, enabling multiple processing nodes with the appropriate permissions to use private keys to parse the corresponding blockchain transaction information.

[0049] Specifically, the resource transfer risk identification method provided by this invention, executed by the first processing node (i.e., the bank issuing the loan), generates target resource, i.e., first resource transfer information for the target loan, in response to a resource disbursement request from a corporate account. In addition to the embedded risk resource pool summary list, the first resource transfer information transforms the transaction serial number, counterparty bank number, and transaction amount generated by the first processing node into standardized data that can be accurately located and quantitatively analyzed on the blockchain network. This allows for the quantification and validity verification of corporate loan fund tracking and risk identification.

[0050] The transaction serial number is a globally unique identifier generated by the first processing node for each interbank transfer transaction. When the risk control center or the next bank node needs to query or associate all on-chain records related to corporate loans, it can use the transaction serial number for fast and accurate indexing and linking, avoiding the huge overhead and error risk of fuzzy matching in massive transaction data.

[0051] The counterparty bank number refers to the standard unique code of the bank that received the funds in the blockchain network. The counterparty bank number determines the next node to which the funds flow in the corporate loan account are located. After the data of the first processing node is uploaded to the chain, the blockchain network can push the tracking request information to the accurate second processing node according to the counterparty bank number, which improves the notification efficiency and reduces the network load.

[0052] The transaction amount is the specific amount of funds for a corporate loan transferred across banks. In the subsequent tracking process, the risk control center can compare the transaction amount recorded on the blockchain with the actual amount received recorded in the local system of the bank node to determine the suspicious amount in the corresponding loan account fund tracking process.

[0053] Among these, the suspicious amount is less than the amount of the corporate loan. The methods for determining the suspicious amount include, but are not limited to: when monitoring the flow of funds for corporate loans, the risk control center node obtains the plaintext information of the corporate loan account and / or collection account from the local business system or backend database, and uses the plaintext information as input data for risk assessment. When the plaintext information of the corporate loan account and / or collection account is the same as the preset risk account, the working capital corresponding to the corporate loan account is determined to be a suspicious amount; when monitoring the flow of funds for corporate loans, if the risk control center node detects that the flow of funds for corporate loans is different from the type of funds in the corporate loan account when the corporate loan is made, the working capital corresponding to the corporate loan account is determined to be a suspicious amount.

[0054] In some embodiments, the transaction amount can be associated with the request type. For example, the total amount of a resource allocation request can be marked as a sub-amount for different request types such as equipment procurement and technology research and development, so as to track or determine the suspicious amount corresponding to the enterprise account, i.e. the requester node, to improve the granularity of risk identification.

[0055] In blockchain transactions, the first resource transfer information is stored on the blockchain, and the recipient of this information is designated as the second processing node, i.e., the receiving bank. The receiving bank then receives the first resource transfer information from the blockchain through a backend service and obtains the risk resource pool summary list corresponding to the requesting node.

[0056] The second processing node retrieves the first resource transfer information from the blockchain to track the next hop transfer node and monitor the further flow of loan funds in the corporate account. When loan funds in the corporate account are transferred out from the second processing node, the second processing node will act as the new first processing node, repeating similar steps to pass on the risk identification chain and form a complete risk identification path for fund flows.

[0057] When the second processing node processes the outgoing transaction, it calculates the hash value of the recipient account, i.e., the target resource pool, and compares it with the list of risk resource pool summaries uploaded to the blockchain by the first processing node. If the summary of the target resource pool falls into the list of risk resource pool summaries, indicating that the recipient account and the requesting node are associated and there is a risk of loan funds flowing back, the second processing node will immediately generate risk information and encrypt it on the blockchain.

[0058] For example, after risk information is uploaded to the blockchain, the backend service deployed in the bank will listen to and parse the blockchain node messages, and the parsed risk information will indicate that a risk report has been submitted.

[0059] Furthermore, in the process of identifying resource transfer risks, the backend service deployed in the bank listens to the related transactions of the requesting node, parses the block transaction content in the blockchain, combines it with the bank's internal system data, and sends the next transaction content to the blockchain through the backend service deployed in the bank.

[0060] Understandably, blockchain technology establishes a bridge for trusted collaboration among financial institutions, and hash algorithms balance the conflict between risk tracking and privacy protection. The automated monitoring and execution of risk control center nodes improves post-loan risk control capabilities and the efficiency of corporate loan fund tracking.

[0061] Furthermore, based on the precise matching of hash algorithms, as long as the hash values ​​are consistent, automatic risk assessment can be performed, avoiding errors in manual comparison and improving the accuracy of resource transfer risk identification.

[0062] In some embodiments, optionally, when the risk control center detects that corporate loan funds from an enterprise account flow to multiple different payee accounts, and the hash values ​​of the multiple different payee accounts all match the hash value list, i.e., the summary of the target resource pool falls into the risk resource pool summary list, the total amount of the multiple different payee accounts is aggregated and calculated, and a risk alarm is triggered to identify behaviors such as differential flow of funds.

[0063] In some embodiments, optionally, when the tracking chain for loan funds in a corporate account is found to be too long, for example, when the number of second processing nodes and other processing nodes exceeds a preset N nodes and the funds have not yet flowed back, the priority of tracking corporate loan funds is reduced through smart contracts in the blockchain, and monitoring resources are allocated reasonably.

[0064] In some embodiments, the blockchain can optionally invoke a smart contract to automatically execute hash value matching logic. The smart contract has multiple complex rules built in, automatically generates risk levels, and triggers differentiated warning messages to be sent to relevant bank nodes.

[0065] In some embodiments, the first processing node may generate a risk resource pool summary list in response to a resource allocation request from a requesting node. The risk resource pool summary list is dynamically updated. If the requesting node opens a new account on the first processing node, the hash value of the new account can be added to the risk resource pool summary list and simultaneously uploaded to the blockchain, thereby achieving full lifecycle monitoring of fund transfer risk identification.

[0066] In some embodiments, the resource allocation request is optionally configured with a timeout threshold. If no risk information corresponding to the requesting node is detected in the blockchain within the timeout threshold period, the risk identification and monitoring of the resource allocation request is automatically lifted to save system resources.

[0067] In some embodiments, optionally, in addition to on-chain recording, contract information in the blockchain network can call preset external interfaces to trigger various modes of alerts. For example, automatically sending emails and SMS messages including risk summaries to key personnel, or displaying real-time pop-up alerts on the terminal screen corresponding to the risk control center. Combining online on-chain recording and offline instant communication ensures that urgent risks can be perceived immediately, overcoming the potential delays that may exist if relying solely on blockchain transaction confirmation.

[0068] In some embodiments, optionally, such as Figure 2 As shown, the first resource transfer information is stored on the blockchain, and the recipient of the first resource transfer information is designated as the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, including:

[0069] Step S1040: Encrypt the first resource transfer information to obtain encrypted first resource transfer information;

[0070] Step S1042: Generate a receiver identifier that indicates the second processing node, and store the receiver identifier together with the encrypted first resource transfer information on the blockchain, so that the second processing node can identify the first resource transfer information from the blockchain based on the receiver identifier.

[0071] In this embodiment, asymmetric decryption technology, such as the recipient's public key, is used to encrypt sensitive monitoring information, resulting in encrypted first resource transfer information. This first resource transfer information includes a transaction serial number generated by the first processing node, the counterparty bank number, the transaction amount, and a risk resource pool summary list. By attaching a recipient identifier to the first resource transfer information, the recipient identifier is stored on the blockchain along with the encrypted first resource transfer information. The second processing node uses the recipient identifier to identify the first resource transfer information corresponding to the requesting node on the blockchain.

[0072] Understandably, by attaching a recipient identifier to the encrypted first resource transfer information, sensitive business information is ensured to be known only as needed among the business participants, avoiding excessive exposure on the blockchain and improving the security of message processing.

[0073] Furthermore, by identifying the recipient, the second processing node can quickly locate and process relevant information, clarifying the boundaries of responsibility in the collaborative process and improving scalability and reliable audit traceability capabilities.

[0074] Specifically, the first processing node packages the generated risk resource pool summary list, transaction serial number, counterparty bank number, and transaction amount into a package, encrypts it, and then sends it as encrypted first resource transfer data to the blockchain network. After being verified by the consensus mechanism of the nodes in the blockchain network, the encrypted first resource transfer data will be recorded in a new block for storage, with the recipient identifier attached.

[0075] The second processing node extracts the encrypted first resource transfer data from the blockchain based on the additional recipient identifier, and decrypts it using its private key to restore the plaintext information. After obtaining the plaintext information, the second processing node's business system is activated, and it begins continuous monitoring and risk identification of the loan funds.

[0076] The risk control center configures decryption permissions for the second processing node, enabling it to decrypt the encrypted first resource transfer data using its private key, thereby improving data security.

[0077] After successfully receiving and decrypting the information, the second processing node sends a digitally signed receipt to the blockchain. This digitally signed receipt is also recorded on the chain as proof that the information has been delivered and is readable.

[0078] In some embodiments, optionally, the second processing node and the risk control center act as the regulator of corporate loan funds, continuously monitoring new blocks on the blockchain network.

[0079] In some embodiments, optionally, different fields in the first resource transfer information are subject to encryption or sharing strategies of varying strengths. Specifically, the risk resource pool summary list is encrypted using the public key of the second processing node, and only the second processing node can decrypt it. Transaction serial numbers, recipient identifiers, etc., in the first resource transfer information are kept in plaintext or lightly encrypted to facilitate indexing or auditing by the risk control center or other processing nodes.

[0080] In some embodiments, alternatively, in addition to including a passively waiting recipient identifier in the transaction data, the event push mechanism of smart contracts in the blockchain can be utilized. When the first processing node records a transaction on the chain, a smart contract event is triggered, and the smart contract event is actively pushed to the clients of the second processing node and the risk control center.

[0081] In some embodiments, optionally, after the second processing node identifies the first resource transfer information from the blockchain, the method further includes: identifying the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the summary of the target resource pool does not match the list of risk resource pool summaries, then continuing to respond to the resource issuance request.

[0082] In this embodiment, when the first processing node executes the resource transfer risk identification method, the second processing node identifies the next-hop transfer node of the target resource as the target resource pool based on the first resource transfer information. The summary of the target resource pool does not match the risk resource pool summary list, that is, the receiving account is not the original corporate loan account or related account. The silent transaction is completed normally, and the node continues to respond to the resource issuance request. The monitoring responsibilities and data transmission are automatically passed to the next processing node. The transaction link corresponding to the resource issuance request will continue to be transmitted to form a tree-like network before the timeout.

[0083] Understandably, by providing a secure pathway to the blockchain without detecting risk information, and increasing the two-way judgment capability for identifying resource transfer risks, it ensures that while conducting precise risk control, the normal business processes of the risk control center and bank processing nodes are never interfered with. This ensures that the vast majority of normal and compliant interbank fund transfers are not affected by the risk control process, thereby improving the efficiency and stability of financial business.

[0084] In some embodiments, optionally, the resource transfer risk identification method is executed by a second processing node, such as... Figure 3 As shown, the methods for identifying resource transfer risks include:

[0085] Step S200: Identify the first resource transfer information from the blockchain, wherein the first resource transfer information is generated and recorded on the blockchain by the first processing node when the target resource is issued, the recipient of the first resource transfer information points to the second processing node, and includes a risk resource pool summary list;

[0086] Step S202: Based on the first resource transfer information, determine the next-hop transfer node of the target resource;

[0087] Step S204: If the next hop transfer node is a processing node other than the first processing node and the second processing node, generate second resource transfer information, point the recipient of the second resource transfer information to the other processing node, and record the second resource transfer information on the blockchain;

[0088] Step S206: If the next hop transfer node is the target resource pool, and the digest of the target resource pool falls into the risk resource pool digest list, then risk information is generated and recorded on the blockchain.

[0089] In this embodiment, the resource transfer risk identification method is no longer described from the perspective of the first processing node, but rather defined from the intermediate link of the fund flow, namely the second processing node.

[0090] Specifically, the second processing node identifies the first resource transfer information corresponding to the requesting node on the blockchain using the recipient's identifier. The first resource transfer information includes the transaction serial number generated by the first processing node, the counterparty bank number, the transaction amount, and a risk resource pool summary list.

[0091] The second processing node determines the next-hop transfer node for the target resource based on the first resource transfer information. The second processing node then begins tracking the movement of the target resource from the requesting node. That is, when funds corresponding to a resource issuance request are transferred out of the second processing node's account, the second processing node needs to determine the destination of the funds.

[0092] If the next hop is a processing node other than the first and second processing nodes, meaning the funds continue to flow to another financial institution and no backflow risk has yet occurred, risk identification still needs to continue. The second processing node will create second resource transfer information to generate a new risk identification tracking record. The second resource transfer information includes key related information, such as the previous hop's serial number and the current hop's serial number, and again includes a risk resource pool summary list to ensure that the risk identification target is not lost.

[0093] The second processing node records the second resource transfer information on the blockchain so that other processing nodes can identify the second resource transfer information from the blockchain.

[0094] If the next hop transfer node is the target resource pool, and the digest of the target resource pool falls into the risk resource pool digest list, then the hash value of the receiving account matches the hash value of the original lending company account (requesting node) and / or the associated account of the original lending company account, indicating that the risk of fund repatriation has occurred.

[0095] If the next hop transfer node is the target resource pool and the summary of the target resource pool falls into the risk resource pool summary list, the second processing node generates risk information and records the risk information on the blockchain.

[0096] The risk information includes evidence such as risk event records, serial numbers, and risk account hash values.

[0097] The second processing node records risk information on the blockchain for permanent evidence storage and can automatically notify the risk control center, other processing nodes, and the first processing node through smart contracts, thereby achieving risk identification and reporting.

[0098] Understandably, each participating node (the first processing node, the second processing node, and other processing nodes) possesses independent identification, decision-making, and action capabilities. This means that even if the risk control center is temporarily offline, or the initial first processing node stops actively tracking, as long as the loan funds of the requesting node are in circulation, the risk identification chain will be automatically maintained by each node along the way. This design, which does not rely on a single center, greatly enhances the fault tolerance and robustness of the entire system.

[0099] In some embodiments, the second resource transfer information may optionally include a risk level identifier. After confirming the inflow of funds, the second processing node may assign a risk level (such as normal, watch, high risk, etc.) to the transaction corresponding to the second processing node according to the risk control model within the second processing node, and encrypt and store the transaction risk level in the blockchain network for transmission, so as to provide early warning for subsequent steps and realize risk prevention.

[0100] In some embodiments, the counterparty bank number in the second resource transfer information can be optionally extended to a cross-chain identifier, including the blockchain number of the target bank, thereby supporting the tracking of loan funds flowing between different blockchain networks.

[0101] In some embodiments, optionally, when generating the second resource transfer information, in addition to including the original risk resource pool summary list, the second processing node will also record which hop is currently in progress, and automatically terminate risk identification after the current hop number exceeds the preset maximum hop number (e.g., 10 hops) to prevent the risk identification chain from extending indefinitely.

[0102] In some embodiments, the second processing node may optionally monitor node information on the blockchain and parse the risk information generated by the first processing node or other processing nodes in the node information.

[0103] In this embodiment, the second processing node continuously and actively scans for new blocks and transaction information on the blockchain. Node information refers to the node information generated and recorded on the blockchain by the first processing node or other processing nodes. When the second processing node detects risk information from the node information on the blockchain, it parses the risk information and extracts key information from it. For example, it identifies the corporate account exhibiting risky behavior by using hash value identification, as well as at least one counterparty bank related to the risk information.

[0104] Understandably, any risk information discovered by any processing node can be shared by all participating processing nodes in the blockchain, improving the overall efficiency of resource transfer risk identification.

[0105] In some embodiments, optionally, after parsing the risk information, the second processing node does not simply store a record in isolation, but rather associates it with existing information to locally build and update a dynamic risk knowledge graph. The nodes of the graph are account hashes and bank numbers, and the edges are risk transaction relationships. When a new risk event occurs, the second processing node can perform correlation analysis between the risk information and existing nodes in the graph to identify potential complex risk patterns (such as circular transactions and multiple financing), thereby improving the perception of risk from a point-based approach to a networked understanding of risk.

[0106] In some embodiments, optionally, while parsing on-chain risk information, the second processing node's system can call authorized third-party data sources (such as business registration information, judicial litigation data) for correlation verification. For example, if the parsing reveals that a company's hash value is marked as high-risk, its publicly available external information can be immediately queried to see if there are any records of abnormal operations or litigation as supporting evidence.

[0107] In some embodiments, optionally, when the second processing node parses risk information reported by other nodes on the chain, the risk control center, as a trusted third party, verifies and rates various types of risk information and attaches a confidence level label (such as confirmed, pending verification, low confidence) to it. The confidence level label is stored on the chain along with the risk information.

[0108] In some embodiments, optionally, the risk control center constructs and maintains a full-chain fund flow and risk correlation graph based on data stored by at least one processing node in the blockchain. When monitoring funds, the second processing node can initiate an encrypted query to the risk control center to inquire whether the currently monitored counterparty is associated with any known risk nodes in the full-chain fund flow and risk correlation graph.

[0109] In some embodiments, optionally, when multiple second processing nodes report risk events involving the same risk subject, the risk control center automatically associates these events and coordinates relevant institutions to initiate joint handling processes (e.g., jointly freezing the accounts involved), and records the handling instructions and results on the blockchain through smart contracts.

[0110] In some embodiments, optionally, a resource transfer risk identification method is used, where the recipient is a second processing node, such as... Figure 4 As shown, the methods for identifying resource transfer risks include:

[0111] Step S300: In response to the continuous detection request for the first resource transfer information on the blockchain, determine the second processing node to which the target resource has been transferred based on the first resource transfer information, and notify the second processing node. The first resource transfer information is generated by the first processing node when it acquires the target resource, and is recorded on the blockchain by the first processing node together with the list of prohibited resource pools corresponding to the target resource.

[0112] Step S302: Determine the target resource pool to which the target resource flows based on the second resource transfer information on the blockchain. The second resource transfer information is generated by the second processing node after receiving the notification and recorded on the blockchain.

[0113] Step S304: In response to the target resource pool matching at least one of the prohibited resource pools, generate risk information;

[0114] Step S306: Record the risk information on the blockchain.

[0115] In this embodiment, the recipient of the resource transfer risk identification method is the second processing node. When the first resource transfer information is recorded on the blockchain, the smart contract on the blockchain will automatically detect the events of at least one processing node on the chain and generate a continuous detection request.

[0116] The smart contract or risk control center on the blockchain parses the contents of the first resource transfer information, such as the counterparty bank number or a summary list of risk resource pools. The smart contract or risk control center automatically sends a notification to the second processing node. Upon receiving the notification, the second processing node generates second resource transfer information, identifies at least one object in the target resource pool where funds are prohibited from flowing back, generates risk information, and records the risk information on the blockchain.

[0117] In this process, the risk control center or smart contract parses the final receiving account of the funds from the second resource transfer information and waits for the second processing node or other processing nodes to report the receiving account information in the blockchain.

[0118] Understandably, entrusting the final risk matching judgment logic to the risk control center or on-chain smart contract avoids potential misjudgments or disputes due to different standards among banks, thereby improving the fairness and efficiency of fund transfer risk identification.

[0119] In one specific embodiment, optionally, such as Figure 8 As shown, the entire corporate loan fund tracking system consists of three subsystems: a post-loan fund return monitoring system - bank side (bank node), a post-loan fund return monitoring system - risk control center side (risk control center node), and a blockchain underlying layer (blockchain network). The functions of each part are as follows:

[0120] The post-loan fund return monitoring system - bank side mainly implements the following functional modules:

[0121] System Management: The system provides management of login, users, roles, permissions, etc. for various operators such as operations personnel and maintenance personnel;

[0122] Funds return tracking: Monitor and analyze the flow of funds after the loan is issued, and provide page management for applying for, continuously tracking and reporting of funds return after the loan is issued;

[0123] Key management: Maintains the bank's key information, generates blockchain node addresses, and provides services such as signing and encryption;

[0124] Basic Information Management: This function can maintain the bank's basic information, synchronize modifications to the bank's information with other blockchain members, query information of members accessing the system, and maintain chain node information.

[0125] The post-loan fund return monitoring system - risk control center side mainly implements the following functional modules:

[0126] System Management: The system provides management of login, users, roles, permissions, etc. for various operators such as operations personnel and maintenance personnel;

[0127] Funds return tracking: Monitor and analyze the flow of funds after the loan is issued, and provide page management for applying for, continuously tracking and reporting of funds return after the loan is issued;

[0128] Key management: Maintains the bank's key information, generates blockchain node addresses, and provides services such as signing and encryption;

[0129] Basic information management: This includes maintaining basic information on the risk control side, maintaining chain node information, and managing contracts.

[0130] Organization Management: Allows for maintaining member organization access management, access control, and member information query.

[0131] Blockchain underlying functional modules:

[0132] Chain Interaction: The underlying interaction of the blockchain enables interface connection, synchronizes block information, and facilitates data flow with blockchain nodes;

[0133] Chain node: A blockchain node that enables consensus, block production, and interface data interaction.

[0134] like Figure 9 As shown, the post-loan fund return monitoring system (bank side) consists of an application layer, an access layer, a service layer, and a foundation layer. The service functions of each layer are illustrated in the figure. The application layer is the system entry point; the access layer receives system data and includes service gateways and service routing; the service layer provides public and business services, including basic information management, key management, and fund return sending and receiving; public services include system management, user management, authentication and authorization, encryption and decryption, and login / logout; the foundation layer handles data, storage, and communication.

[0135] The post-loan fund return monitoring system – risk control center side – consists of an application layer, access layer, service layer, and infrastructure layer. The service functions of each layer are shown in the diagram. The application layer is the system entry point; the access layer receives system data and includes service gateways and service routing; the service layer provides public and business services, including member institution management, key management, basic information management, and fund return monitoring; public services include system management, user management, authentication and authorization, encryption and decryption, and login / logout; the infrastructure layer handles data, storage, and communication.

[0136] like Figure 10 As shown, the business processing flow includes:

[0137] (a) Initiating tracking:

[0138] 1. Bank A generates a list of hash values ​​for borrower (corporate) accounts based on the hash algorithm agreed upon by the risk control center;

[0139] Bank A encrypts the following data and uploads the encrypted data to the blockchain: the transaction serial number of the interbank transfer from Bank A to Bank B, the counterparty bank B's number, the list of hash values ​​of the lender's (corporate) account, and the suspicious amount;

[0140] 2. The chain pushes a notification message to the risk control center and Bank B requesting tracking of the return of funds in the corporate account;

[0141] 3. The risk control center and Bank B received a notification message requesting the tracking of fund return.

[0142] (ii) Continuous tracking:

[0143] 1. After Bank B initiates continuous post-loan fund tracking, it encrypts and uploads the following data to the blockchain: the transaction serial number of the interbank transfer from Bank A to Bank B (previous serial number), the transaction serial number of the interbank transfer from Bank B to Bank C (current serial number), the Bank C number, the list of hash values ​​of the borrower (enterprise) account, and the suspicious amount;

[0144] 2. The chain pushes account monitoring notification messages to the risk control center and bank C;

[0145] 3. The risk control center and bank C monitor and continuously track transaction flows.

[0146] (III) Risk Reporting:

[0147] 1. After receiving the request for tracking the risk of fund repatriation, Bank B decrypts the information in this tracking request;

[0148] 2. If Bank B detects a risk of fund repatriation, specifically if the hash value of the receiving account matches one of the hash values ​​in the original lender's (company's) account list, then Bank B will report the fund repatriation risk. The following data will be encrypted and uploaded to the blockchain: previous transaction number, current transaction number, counterparty bank number, list of hash values ​​for the lender's (company's) account, and suspicious amount.

[0149] 3. The chain pushes risk reporting notification messages to the risk control center and counterparty banks;

[0150] 4. The risk control center and counterparty banks detected the risk reporting notification message.

[0151] Understandably, smart contracts enable automated monitoring and execution, ensuring the fairness of rules and achieving rigid regulatory enforcement. Blockchain technology allows risk control centers to conduct thorough oversight of cross-bank post-loan transaction data, aiding in regulatory oversight. Furthermore, the tamper-proof and distributed nature of blockchain technology ensures the full-process storage and traceability of post-loan transaction information.

[0152] like Figure 5As shown in the illustration, this application embodiment also provides a resource transfer risk identification system 1000, including: a first resource processing unit 1002, which is used to generate a risky resource pool summary list based on the resource pool of the requesting node in response to a resource distribution request; a first information processing unit 1004, which is used to generate first resource transfer information of the target resource based on the resource distribution request, the first resource transfer information including the risky resource pool summary list; and a first information encryption unit 1006, which is used to store the first resource transfer information on the blockchain and make the recipient of the first resource transfer information point to a second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the summary of the target resource pool falls into the risky resource pool summary list, then risk information is generated and recorded on the blockchain.

[0153] The resource transfer risk identification method provided by this invention, executed by the first processing node (i.e., the bank issuing the loan), is applied to a resource transfer risk identification system 1000 and is executed by a first resource processing unit 1002, a first information processing unit 1004, and a first information encryption unit 1006 corresponding to the first processing node. In response to a resource issuance request from a corporate account, first resource transfer information for the target resource, i.e., the target loan, is generated. In addition to the embedded risk resource pool summary list, the first resource transfer information converts the transaction serial number, counterparty bank number, and transaction amount generated by the first processing node into standardized data that can be accurately located and quantitatively analyzed on the blockchain network. This allows for the quantification and validity verification of corporate loan fund tracking and risk identification.

[0154] In some embodiments, optionally, the first information encryption unit 1006 is further configured to: encrypt the first resource transfer information to obtain encrypted first resource transfer information; generate a receiver identifier that indicates the second processing node, and store the receiver identifier together with the encrypted first resource transfer information on the blockchain, so that the second processing node can identify the first resource transfer information from the blockchain based on the receiver identifier.

[0155] Using asymmetric decryption techniques, such as the recipient's public key, sensitive monitoring information is encrypted to obtain encrypted first resource transfer information. This first resource transfer information includes a transaction serial number generated by the first processing node, the counterparty bank number, the transaction amount, and a risk resource pool summary list. By attaching a recipient identifier to the first resource transfer information, the recipient identifier is stored on the blockchain along with the encrypted first resource transfer information. The second processing node uses the recipient identifier to identify the first resource transfer information corresponding to the requesting node on the blockchain.

[0156] Understandably, by attaching a recipient identifier to the encrypted first resource transfer information, sensitive business information is ensured to be known only as needed among the business participants, avoiding excessive exposure on the blockchain and improving the security of message processing.

[0157] Furthermore, by identifying the recipient, the second processing node can quickly locate and process relevant information, clarifying the boundaries of responsibility in the collaborative process and improving scalability and reliable audit traceability capabilities.

[0158] like Figure 6 As shown in the illustration, this application embodiment also provides a resource transfer risk identification system 1000, comprising: a second resource processing unit 1008, configured to identify first resource transfer information from a blockchain, wherein the first resource transfer information is generated and recorded on the blockchain by a first processing node when distributing target resources, the recipient of the first resource transfer information points to a second processing node, and includes a risk resource pool summary list; a second resource transfer unit 1010, configured to determine the next-hop transfer node of the target resource based on the first resource transfer information; a second information processing unit 1012, configured to generate second resource transfer information if the next-hop transfer node is a processing node other than the first and second processing nodes, to point the recipient of the second resource transfer information to the other processing node, and to record the second resource transfer information on the blockchain; and a second information encryption unit 1014, configured to generate risk information and record the risk information on the blockchain if the next-hop transfer node is a target resource pool, and the summary of the target resource pool falls into the risk resource pool summary list.

[0159] Corresponding to the second processing node, the resource transfer risk identification method is executed through the second resource processing unit 1008, the second resource transfer unit 1010, the second information processing unit 1012, and the second information encryption unit 1014 in the resource transfer risk identification system 1000.

[0160] The second resource processing unit 1008 identifies the first resource transfer information corresponding to the requesting node on the blockchain using the receiver's identifier. The first resource transfer information includes the transaction serial number generated by the first processing node, the counterparty bank number, the transaction amount, and a risk resource pool summary list.

[0161] The second resource transfer unit 1010 determines the next-hop transfer node for the target resource based on the first resource transfer information. The second processing node begins tracking the movement of the target resource from the requesting node. That is, when funds corresponding to a resource issuance request are transferred out of the second processing node's account, the second processing node needs to determine the destination of the funds.

[0162] If the next hop transfer node is a processing node other than the first and second processing nodes, meaning the funds continue to flow to another financial institution and no backflow risk has yet occurred, risk identification still needs to continue. The second information processing unit 1012 will create second resource transfer information to generate a new risk identification tracking record. The second resource transfer information includes key related information, such as the previous hop's serial number and the current hop's serial number, and again includes a risk resource pool summary list to ensure that the risk identification target is not lost.

[0163] The second information encryption unit 1014 records the second resource transfer information on the blockchain so that other processing nodes can identify the second resource transfer information from the blockchain.

[0164] If the next hop transfer node is the target resource pool, and the digest of the target resource pool falls into the risk resource pool digest list, then the hash value of the receiving account matches the hash value of the original lending company account (requesting node) and / or the associated account of the original lending company account, indicating that the risk of fund repatriation has occurred.

[0165] If the next hop transfer node is the target resource pool and the summary of the target resource pool falls into the risk resource pool summary list, the second processing node generates risk information and records the risk information on the blockchain.

[0166] Understandably, each participating node (the first processing node, the second processing node, and other processing nodes) possesses independent identification, decision-making, and action capabilities. This means that even if the risk control center is temporarily offline, or the initial first processing node stops actively tracking, as long as the loan funds of the requesting node are in circulation, the risk identification chain will be automatically maintained by each node along the way. This design, which does not rely on a single center, greatly enhances the fault tolerance and robustness of the entire system.

[0167] like Figure 7As shown in the illustration, this application embodiment also provides a resource transfer risk identification system 1000, including: a second detection receiving unit 1016, which is used to respond to a continuous detection request for first resource transfer information on the blockchain, determine the target resource transferred to a second processing node based on the first resource transfer information, and notify the second processing node, wherein the first resource transfer information is generated by the first processing node when it acquires the target resource, and is recorded on the blockchain by the first processing node together with a list of prohibited resource pools corresponding to the target resource; a second transfer receiving unit 1018, which is used to determine the target resource pool to which the target resource flows based on the second resource transfer information on the blockchain, wherein the second resource transfer information is generated by the second processing node after receiving the notification and is recorded on the blockchain; a risk reporting unit 1020, which is used to generate risk information in response to the target resource pool matching at least one in the list of prohibited resource pools; and a blockchain storage unit 1022, which is used to record the risk information on the blockchain.

[0168] Corresponding to the second processing node, the resource transfer risk identification method is executed through the second detection receiving unit 1016, the second transfer receiving unit 1018, the risk reporting unit 1020, and the blockchain storage unit 1022 in the resource transfer risk identification system 1000.

[0169] The recipient of the resource transfer risk identification method is the second processing node. When the first resource transfer information is recorded on the blockchain, the smart contract on the blockchain will automatically detect the event of at least one processing node on the chain and generate a continuous detection request.

[0170] The smart contract or risk control center on the blockchain parses the contents of the first resource transfer information, such as the counterparty bank number or a summary list of risk resource pools. The smart contract or risk control center automatically sends a notification to the second processing node. Upon receiving the notification, the second processing node generates second resource transfer information, identifies at least one object in the target resource pool where funds are prohibited from flowing back, generates risk information, and records the risk information on the blockchain.

[0171] In this process, the risk control center or smart contract parses the final receiving account of the funds from the second resource transfer information and waits for the second processing node or other processing nodes to report the receiving account information in the blockchain.

[0172] Understandably, entrusting the final risk matching judgment logic to the risk control center or on-chain smart contract avoids potential misjudgments or disputes due to different standards among banks, thereby improving the fairness and efficiency of fund transfer risk identification.

[0173] In this invention, the terms "first," "second," and "third" are used for descriptive purposes only and should not be construed as indicating or implying relative importance; the term "multiple" refers to two or more unless otherwise explicitly defined. The terms "install," "connect," "link," and "fix" should be interpreted broadly. For example, "connect" can be a fixed connection, a detachable connection, or an integral connection; "link" can be a direct connection or an indirect connection through an intermediate medium. Those skilled in the art can understand the specific meaning of the above terms in this invention according to the specific circumstances.

[0174] In the description of this invention, it should be understood that the terms "upper," "lower," "left," "right," "front," "rear," etc., indicate the orientation or positional relationship based on the orientation or positional relationship shown in the accompanying drawings. They are only for the convenience of describing this invention and simplifying the description, and do not indicate or imply that the device or unit referred to must have a specific orientation or be constructed and operated in a specific orientation. Therefore, they should not be construed as limitations on this invention.

[0175] In the description of this specification, the terms "one embodiment," "some embodiments," "specific embodiment," etc., refer to specific features, structures, materials, or characteristics described in connection with an embodiment or example that are included in at least one embodiment or example of the present invention. In this specification, the illustrative expressions of the above terms do not necessarily refer to the same embodiment or example. Furthermore, the specific features, structures, materials, or characteristics described may be combined in any suitable manner in one or more embodiments or examples.

[0176] The above are merely preferred embodiments of the present invention and are not intended to limit the invention. Various modifications and variations can be made to the present invention by those skilled in the art. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the scope of protection of the present invention.

Claims

1. A method for identifying resource transfer risks, characterized in that, Executed by the first processing node, the resource transfer risk identification method includes: In response to a resource allocation request from a requesting node, a risk resource pool summary list is generated based on the resource pool of the requesting node. Based on the resource allocation request, first resource transfer information of the target resource is generated, and the first resource transfer information includes the risk resource pool summary list. The first resource transfer information is stored on the blockchain, and the recipient of the first resource transfer information is directed to the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool, and the summary of the target resource pool falls into the risk resource pool summary list, then risk information is generated and the risk information is recorded on the blockchain. The step of storing the first resource transfer information on the blockchain and directing the recipient of the first resource transfer information to the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, includes: The first resource transfer information is encrypted to obtain encrypted first resource transfer information; A receiver identifier is generated to indicate the second processing node, and the receiver identifier is stored on the blockchain together with the encrypted first resource transfer information, so that the second processing node can identify the first resource transfer information from the blockchain based on the receiver identifier; The first resource transfer information also includes a transaction serial number, counterparty bank number, and transaction amount.

2. The resource transfer risk identification method according to claim 1, characterized in that, After the second processing node identifies the first resource transfer information from the blockchain, the process further includes: Based on the first resource transfer information, the next-hop transfer node of the target resource is identified. If the next-hop transfer node is the target resource pool and the summary of the target resource pool does not match the summary list of the risk resource pool, then the resource allocation request continues to be responded to.

3. A method for identifying resource transfer risks, characterized in that, Executed by the second processing node, the resource transfer risk identification method includes: Identify first resource transfer information from the blockchain, wherein the first resource transfer information is generated and recorded on the blockchain by the first processing node when the target resource is issued, the recipient of the first resource transfer information points to the second processing node, and includes a risk resource pool summary list; Based on the first resource transfer information, determine the next-hop transfer node of the target resource; If the next-hop transfer node is a processing node other than the first processing node and the second processing node, generate second resource transfer information, point the recipient of the second resource transfer information to the other processing node, and record the second resource transfer information on the blockchain; If the next-hop transfer node is the target resource pool, and the digest of the target resource pool falls into the risk resource pool digest list, then risk information is generated and recorded on the blockchain.

4. The resource transfer risk identification method according to claim 3, characterized in that, The second processing node listens to the node information on the blockchain and parses the risk information generated by the first processing node or the other processing nodes in the node information.

5. A method for identifying resource transfer risks, characterized in that, The recipient is the second processing node, and the resource transfer risk identification method includes: In response to a continuous detection request for the first resource transfer information on the blockchain, the target resource is determined to be transferred to the second processing node based on the first resource transfer information, and the second processing node is notified. The first resource transfer information is generated by the first processing node when it acquires the target resource, and is recorded on the blockchain by the first processing node together with the list of prohibited resource pools corresponding to the target resource. Based on the second resource transfer information on the blockchain, the target resource pool to which the target resource flows is determined, wherein the second resource transfer information is generated by the second processing node after receiving the notification and recorded on the blockchain; In response to the target resource pool matching at least one of the prohibited resource pools, risk information is generated; The risk information is recorded on the blockchain.

6. A resource transfer risk identification system, characterized in that, include: The first resource processing unit is configured to respond to a resource allocation request from a requesting node and generate a risk resource pool summary list based on the resource pool of the requesting node. A first information processing unit is configured to generate first resource transfer information of the target resource based on the resource allocation request, wherein the first resource transfer information includes the risk resource pool summary list. The first information encryption unit is used to store the first resource transfer information on the blockchain and make the recipient of the first resource transfer information point to the second processing node, so that the second processing node can identify the first resource transfer information from the blockchain, identify the next-hop transfer node of the target resource based on the first resource transfer information, and if the next-hop transfer node is the target resource pool and the digest of the target resource pool falls into the risk resource pool digest list, then risk information is generated and the risk information is recorded on the blockchain. The first information encryption unit is also used for: The first resource transfer information is encrypted to obtain encrypted first resource transfer information; A receiver identifier is generated to indicate the second processing node, and the receiver identifier is stored on the blockchain together with the encrypted first resource transfer information, so that the second processing node can identify the first resource transfer information from the blockchain based on the receiver identifier; The first resource transfer information also includes a transaction serial number, counterparty bank number, and transaction amount.

7. A resource transfer risk identification system, characterized in that, include: The second resource processing unit is used to identify first resource transfer information from the blockchain. The first resource transfer information is generated and recorded on the blockchain by the first processing node when the target resource is issued. The recipient of the first resource transfer information points to the second processing node and includes a risk resource pool summary list. The second resource transfer unit is used to determine the next-hop transfer node of the target resource based on the first resource transfer information. The second information processing unit is configured to generate second resource transfer information if the next-hop transfer node is a processing node other than the first processing node and the second processing node, point the recipient of the second resource transfer information to the other processing node, and record the second resource transfer information on the blockchain. The second information encryption unit is used to generate risk information and record the risk information on the blockchain if the next-hop transfer node is the target resource pool and the digest of the target resource pool falls into the risk resource pool digest list.

8. A resource transfer risk identification system, characterized in that, include: The second detection and receiving unit is used to respond to a continuous detection request for the first resource transfer information on the blockchain, determine the target resource to be transferred to the second processing node based on the first resource transfer information, and notify the second processing node. The first resource transfer information is generated by the first processing node when it obtains the target resource, and is recorded on the blockchain by the first processing node together with the list of prohibited resource pools corresponding to the target resource. The second transfer receiving unit is used to determine the target resource pool to which the target resource flows based on the second resource transfer information on the blockchain. The second resource transfer information is generated by the second processing node after receiving the notification and recorded on the blockchain. A risk reporting unit is configured to generate risk information in response to the target resource pool matching at least one of the prohibited resource pools; A blockchain storage unit is used to record the risk information on the blockchain.

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