CN112308551A - Digital asset acquisition device and digital asset information acquisition method - Google Patents
Digital asset acquisition device and digital asset information acquisition method Download PDFInfo
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- CN112308551A CN112308551A CN202010366281.8A CN202010366281A CN112308551A CN 112308551 A CN112308551 A CN 112308551A CN 202010366281 A CN202010366281 A CN 202010366281A CN 112308551 A CN112308551 A CN 112308551A
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Abstract
The invention relates to a digital asset collecting device, which is used for collecting digital asset information from a plurality of digital asset information sources and comprises: the system comprises a digital asset information source identity recognition module, an information acquisition module, a user identity recognition module, a digital asset information processing module and an input module, wherein the user identity recognition module is arranged to be connected to a corresponding identity database. The digital asset acquisition device can judge the authenticity of the user identity and the used digital asset information source, and record the digital asset information in the digital asset information source acquired by the information acquisition module as the digital asset information of the user under the condition of judging the authenticity of the user identity and the used digital asset information source. The invention also relates to a corresponding digital asset acquisition method.
Description
Technical Field
The invention relates to a digital asset information acquisition device and a digital asset information acquisition method, in particular, the device and the method can be used for jointly evaluating user credit by digital asset information of a user from a plurality of digital asset information sources.
Background
In the prior art, there are methods of using digital assets of a user's single digital asset information source for evaluating user credit. For example, in the process that the user acquires the charge pal through the shared charge pal device, the merchant may evaluate the credit/risk level of the user by using the user digital asset information fed back by one of the charge pal or the WeChat payment, and if the user reaches a certain credit level, the merchant may determine that the user may pay for the deposit in the process of acquiring the charge pal, or if the user reaches a certain risk level, the merchant may determine that the user may not pay for the deposit in the process of acquiring the charge pal. This approach has the disadvantage, however, that the merchant simply uses the returned results provided by some party's digital asset information source, for example, and does not fully and accurately reflect the user's credit/risk rating. For example, if a user with a WeChat payment depth rarely uses a Payment treasure for funding, the user's credit rating cannot be accurately obtained if the merchant only intervenes in the Payment treasure's associated credit service. Meanwhile, if the merchant only uses the feedback information of a certain party, it is difficult to perform personalized risk policy integration according to single data.
In addition, in the prior art, there is a method of collecting data in a screen recording manner or a manual manner, and the collected data is sorted, analyzed, and used according to a specific scene. The disadvantage of this method is that the authenticity of the digital information source and the acquired data cannot be guaranteed. For example, when a user is collecting data by screen-recording, the user/potential fraudster may simulate a false digital asset source (e.g., a WeChat-like application) and write a high credit score. The merchant cannot distinguish the authenticity of the information, so that collected dirty data adversely affects the correct decision of risk control.
Disclosure of Invention
The invention aims to provide an advantageous digital asset information acquisition device and an advantageous digital asset information acquisition method, by which the authenticity of a digital asset information source can be ensured and the authenticity of the identity of a user can be determined when digital information is acquired, thereby ensuring that the acquired digital asset information in the digital asset information source is the real digital asset information of the user. And the device and the method can collect and collect the digital asset information (such as credit score or credit data) of the user scattered in each digital asset information source, and can more accurately reflect the credit condition of the user through subsequent integration processing.
To this end, the present invention provides a digital asset information collection device for collecting digital asset information from a number of digital asset information sources, comprising a digital asset information source identification module for establishing a transaction or transaction request between the digital asset information collection device and one or more digital asset information sources having a randomly generated transaction amount. For example, a randomly specified amount of a transaction may be sent by the digital asset information source identification module to a digital asset information source of an application such as WeChat, Payment, etc., completed by a user, or by sending an instruction to a user to complete a randomly specified amount of a transaction through a particular digital asset information source and then generate relevant information about the randomly specified amount of the transaction, such as a transaction record or transaction request record. For example, the transaction or transaction request may be to transfer a randomly specified amount of funds into the user's WeChat payment account, or to instruct the user to initiate a type of payment request locally, invoking a digital asset information source of an application such as WeChat. By establishing a transaction or transaction request between a digital asset information collection device and one or more digital asset information sources with a randomly generated transaction amount, the occurrence of counterfeit transactions can be effectively prevented. And, in this way, specific key transaction information can be generated for different digital asset information sources, thereby distinguishing the different digital asset information sources.
In the digital asset information collection device according to the present invention, the established transaction or transaction request between the digital asset information collection device and the digital asset information source includes any one of the following ways:
transferring funds to a digital asset information source, for example, a merchant transfers a certain amount of funds to a digital information source of a user, for example, the user collects the payment of the merchant through WeChat and Payment treasures;
sending a fund transfer request to a digital asset information source, for example, a merchant may request that a user transfer a certain amount of fund from the digital asset information source to the merchant, and at this time, the digital asset information source of the user should receive the fund transfer request sent by the merchant, for example, the user's WeChat, Paibao, etc. pay the merchant;
the fund payment to the third party is completed through the digital asset information source, for example, the user calls the digital asset information source to pay certain deposit (water charge, electric charge, mobile phone communication charge and other forms) to the third party;
and calling a class payment request of the digital asset information source, for example, a class payment request sent by other APPs to the digital asset information source, such as a class payment request sent by Mei Tuo when a user purchases commodities through the Mei Tuo APP and the Mei Tuo calls a WeChat interface.
It should be noted that if a payment of funds is made to a third party through a digital asset information source, and then authenticity is to be determined by whether the amount paid corresponds to a randomly specified amount, it is also necessary to ensure authenticity of the third party client. Thus, the third party herein should be an authenticated third party. The authenticity of the third party can be judged by comparing the transaction data provided by the third party and randomly designated transaction data which are received by the digital asset information acquisition device in real time.
In addition, the digital asset information acquisition device further comprises an information acquisition module, wherein the information acquisition module is used for acquiring transaction records or transaction request records, user identity information, digital asset information and the like in the digital asset information source displayed by the user. For example, the transaction record or transaction request record, the user identity information, the digital asset information, and the like can be displayed by means of screen recording collection of the intelligent POS machine, automatic screen uploading of the user client, manual reading, and the like.
Preferably, the information acquisition module is configured to acquire a plurality of key pages in the digital asset information source displayed by the user and identify a transaction record or a transaction request record, user identity information, and digital asset information displayed in the key pages. For example, the information acquisition module recognizes and captures the page through AI technologies such as OCR, and analyzes, extracts and records the related information. In particular, the user or party may be instructed to present specific transaction information, such as recent transaction records or transaction information related to the above-mentioned randomly specified amount of transactions.
Besides the key pages, the information acquisition module is further configured to acquire randomly designated redundant pages, wherein the digital asset information processing module queries the designated redundant pages from the key pages and the redundant pages in the digital asset information source displayed by the user acquired by the information acquisition module, and if the corresponding redundant pages cannot be found, determines that the used digital asset information source is non-authentic.
For example, although the digital asset information processing module actually only needs to extract relevant information from the pages I, II, IX presented by the user, the digital asset information processing module may redundantly specify the user to present or specifically collect one or more of the additional pages III, IV, VI, VII, VIII, such designation may be random, and the pages presented by the user must be able to contain at least these randomly specified pages. For example, the user is required to present pages III, IV, VIII in one pass and pages VI, VII, VIII in another pass, so that when the user does not present these specified pages in the corresponding operation, it can be determined that the digital asset information source being used is not authentic. Of course, the user may also be required to present the designated pages in order, more or less.
In addition, the digital asset information acquisition device also comprises a user identity identification module which is used for identifying the user in a biological characteristic mode, comparing the user with the corresponding identity database and identifying the identity of the user. In particular, the identity database is stored in the digital asset information acquisition device or is a cloud database that can be queried. The user data in the identity database can also be extracted and stored into local data in a face recognition mode and the like. Preferably, the user can be identified by means of biometrics such as fingerprint recognition, face recognition and the like.
In addition, the digital asset information acquisition device also comprises a digital asset information processing module, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identity recognition module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, and if the transaction or transaction request established by the digital asset information source identity recognition module is consistent with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, the authenticity of the used digital asset information source is judged. In addition, the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, and if the identified user identity and the user identity information are consistent, the authenticity of the user identity is judged. And if the identity of the user and the authenticity of the used digital asset information source are judged, recording the digital asset information in the digital asset information source acquired by the information acquisition module as the digital asset information of the user. Preferably, the key transaction information includes transaction amount and transaction party information.
In this case, because the amount of money corresponding to the transaction record or the transaction request is randomly specified, the user/potential fraudulent party cannot arbitrarily forge the false transaction or enter the false transaction information in advance, and therefore, by comparing the transaction or the transaction request established by the digital asset information source identity recognition module with the key transaction information in the transaction record or the transaction request record acquired by the information acquisition module, different digital information sources can be effectively distinguished, and the identity of each digital asset information source can be determined, thereby ensuring the authenticity of the digital asset information sources. The digital asset information acquisition device can also ensure the authenticity of the user identity, and can determine the digital asset information of the user in a specific digital information source under the condition of ensuring the authenticity of the user identity of the user calling the digital asset information source.
In one embodiment of the digital asset information collection device according to the present invention, the digital asset information processing module uses the user's digital asset information from several digital asset information sources in common for evaluating user credit. Because the digital asset information of the user in a particular digital information source can be determined, distortion of the credit rating resulting from the use of a single digital asset information source does not occur. Meanwhile, digital asset information from different digital asset information sources can be obtained, so that merchants can realize personalized risk strategy integration according to the relatively independent information, and the flexibility, authenticity and reliability of credit/risk rating are further improved.
In one embodiment of the digital asset information acquisition device according to the present invention, the digital asset information acquisition device further includes a screen recording module installed on the same device as the digital asset information source, wherein the screen recording module is configured to record screen display contents and send the screen display contents to the information acquisition module when a user operates the device where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information, and digital asset information in the digital asset information source shown by the user from the screen display contents in an image recognition manner.
In another embodiment of the digital asset information acquisition device according to the present invention, the digital asset information acquisition device further includes a screen recording module installed on the same device as the information acquisition module, wherein the screen recording module is configured to record screen display contents and send the screen display contents to the information acquisition module when a user operates the device where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information, and digital asset information in the digital asset information source shown by the user from the screen display contents in an image recognition manner.
Due to the fact that the screen recording is continuous, compared with other modes such as picture generation and the like, the method can better prevent a user from tampering or forging the digital asset information recording process. Preferably, the information-collecting device is capable of collecting or generating time information, such as a time stamp, to uniquely and unalterably record the screen recording time. In addition, preferably, the information acquisition device may prescribe a short period of time in advance and require the user to complete the operation of the device in which the digital asset information source is located within the period of time while recording the screen. The difficulty of the digital asset information recording process in the process of user tampering or counterfeiting can be further increased by recording the time information or prescribing a short operation time in advance, because the user is difficult to forge the time information or forge the information recording process in a short time under the condition, and the authenticity of the carrier of the acquired information is further ensured.
In one embodiment of the digital asset information collection apparatus according to the present invention, the digital asset information collection apparatus further comprises an input module adapted to input a transaction record or transaction request record provided or presented by a user, user identity information, and digital asset information. By arranging the input module, the flexibility of information entry can be increased, and the method is also beneficial to additionally inputting some specific transaction information or verification information such as a mobile phone verification code and the like, so that the reliability of digital asset information source verification or user identity verification is further enhanced.
Preferably, when the user operates the device where the digital asset information source is located, the information acquisition module directly acquires the transaction record or the transaction request record, the user identity information and the digital asset information in the digital asset information source shown by the user in a mode of inputting the screen display content of the device through the input module.
In addition, the digital asset information processing module may also compare the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record input by the input module, and if the two are consistent, determine the authenticity of the used digital asset information source. In particular, the mode of inputting the screen display content of the device through the input module to acquire information can also be used together with the mode of acquiring information from the screen display content of the screen recording through image recognition, and the two kinds of information are compared to reduce the situation of wrong collection and further increase the accuracy of the collected user information.
At least two of the respective modules of the digital asset information processing apparatus according to the present invention may be integrated, or at least two of the respective modules may exist independently and communicate by wire or wirelessly.
The invention also provides a digital asset information acquisition method, which acquires digital asset information from a plurality of digital asset information sources by using the digital asset information acquisition device, and comprises the following steps:
-a transaction or transaction request establishing step in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information collection means and the digital asset information source is established by the digital asset information source identification module;
-an information acquisition step in which transaction records or transaction request records, user identity information and digital asset information in the digital asset information source presented by the user are acquired by an information acquisition module, preferably the information acquisition module is used for acquiring a number of key pages in the digital asset information source presented by the user and identifying the transaction records or transaction request records, user identity information and digital asset information displayed in the key pages;
-a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record obtained by the information acquisition module, and if the two are identical, the used digital asset information source is determined to be real, otherwise the used digital asset information source is determined to be non-real, preferably, the key transaction information includes the transaction amount and the transaction party information;
-a user identification step, in which a user is identified in a biometric manner by a user identification module and compared with a corresponding identity database and a user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the two are consistent, the user identity is determined to be real, otherwise the user identity is determined to be non-real, wherein the identity database is stored in the digital asset information acquisition device or is a cloud database for querying;
-if it is determined that both the user identity and the used digital asset information source are authentic, performing a record digital asset information step in which the digital asset information in the digital asset information source acquired by the record information acquisition module is used as the digital asset information of the user.
Particularly, the digital asset information acquisition method also comprises the step of jointly using the digital asset information of the user from a plurality of digital asset information sources for evaluating the credit of the user through the digital asset information processing module.
In the digital asset information collection method according to the present invention, the established transaction or transaction request between the digital asset information collection device and the digital asset information source includes any one of the following ways:
transferring funds to the digital asset information source, e.g., a merchant transferring an amount of funds to the digital asset information source;
sending a fund transfer request to the digital asset information source, for example, a merchant may request a user account under the digital asset information source to transfer a certain amount of funds to the user account;
the fund payment to the third party is completed through the digital asset information source, for example, the user calls the digital asset information source to pay certain deposit (water charge, electric charge and other forms can be used);
a class payment request of the digital asset information source is invoked.
In addition, the invention also provides a digital asset information acquisition method, which acquires digital asset information from a plurality of digital asset information sources by using the digital asset information acquisition device, and comprises the following steps:
-a transaction or transaction request establishing step in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information collection means and the digital asset information source is established by the digital asset information source identification module;
an information acquisition step, in which a screen display module records screen display contents when a user operates a device with a digital asset information source, and transmits the screen display contents to the information acquisition module, and the information acquisition module acquires a transaction record or a transaction request record in the digital asset information source displayed by the user, user identity information and digital asset information from the screen display contents in an image recognition mode;
-a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record obtained by the information acquisition module, and if the two are identical, the used digital asset information source is determined to be real, otherwise, the used digital asset information source is determined to be non-real;
-a user identity identification step, in which the user is identified in a biometric manner by means of a user identity identification module and compared with a corresponding identity database and the user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, and if both are identical, the user identity is determined to be authentic, otherwise the user identity is determined to be non-authentic;
and if the user identity and the used digital asset information source are judged to be true, executing a step of recording the digital asset information, wherein the digital asset information in the digital asset information source acquired by the recording information acquisition module is used as the digital asset information of the user.
The invention also provides another digital asset information acquisition method, which acquires digital asset information from a plurality of digital asset information sources by using the digital asset information acquisition device, and comprises the following steps:
-a transaction or transaction request establishing step in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information collection means and the digital asset information source is established by the digital asset information source identification module;
an information acquisition step in which, when a user operates a device in which a digital asset information source is located, an information acquisition module directly acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source presented by the user in such a manner that screen display contents of the device are input through an input module;
a digital asset information source identification step, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the transaction or transaction request is consistent with the key transaction information in the transaction record or transaction request record, the used digital asset information source is judged to be real, otherwise, the used digital asset information source is judged to be non-real;
a user identity identification step, wherein, a user is identified by a user identity identification module in a biological characteristic mode, and is compared with a corresponding identity database to identify the identity of the user, then a digital asset information processing module compares the identified identity of the user with the user identity information acquired by an information acquisition module, if the two are consistent, the identity of the user is judged to be real, otherwise, the identity of the user is judged to be non-real;
and if the user identity and the used digital asset information source are judged to be true, executing a step of recording the digital asset information, wherein the digital asset information in the digital asset information source acquired by the recording information acquisition module is used as the digital asset information of the user.
The digital asset information acquisition method according to the present invention has the corresponding advantages as the above-described digital asset information acquisition apparatus, and vice versa.
Drawings
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
Fig. 1 shows a schematic diagram of one embodiment of a digital asset information processing apparatus according to the present invention.
FIG. 2 shows a schematic flow chart diagram of one embodiment of a digital asset information processing method in accordance with the present invention.
In the figures, identical or similar features have identical reference numerals.
Detailed Description
Fig. 1 shows a schematic diagram of one embodiment of a digital asset information collection device 100 according to the present invention. The digital asset collection device 100 is used for collecting digital asset information from a plurality of digital asset information sources 102, and comprises: the system comprises a digital asset information source identification module 101, an information acquisition module 103, a user identification module 104, a digital asset information processing module 106 and an input module 108, wherein the user identification module 104 is configured to be connected to a corresponding identity database. Furthermore, a screen recording module 107 is provided for the information acquisition module 103, and in the case of the present embodiment, the screen recording module is integrated in the information acquisition module 103.
FIG. 2 shows a schematic flow chart diagram of one embodiment of a digital asset information collection method in accordance with the present invention. In this embodiment, the digital asset collecting method collects digital asset information from several digital asset information sources 102 by using the digital asset information collecting device 100, which comprises the following steps: a transaction establishing or transaction requesting step S1, an information collecting step S2, a digital asset information source identification step S3, a user identification step S4 and a digital asset information recording step S5. And in order to further analyze the credit rating of the user using the collected digital asset information, the digital asset collecting method may further include a credit rating analyzing step S6, a digital asset information source identity error result outputting step S7, and a user identity error result outputting step S8.
Hereinafter, more specific embodiments of the present invention will be described with reference to fig. 1 and 2. For example, a merchant can obtain a level of reliable credit for a user who uses both digital asset information sources of WeChat and Payment treasure through the digital asset information processing apparatus 100 according to the present invention.
First, a merchant may obtain digital asset information of a user in a payment treasure through the digital asset information collection device 100.
In the establish transaction or transaction request step S1, the merchant may send the user funds in the amount of money randomly generated by transfer to the user 'S pay bank account through the digital asset information source identification module 101, for example, 10 dollars to the user' S pay bank account, that is, a 10 dollar transaction is established between the digital asset information collection apparatus 100 and the digital asset information source 102A, and the user completes the transaction on the device where the digital asset information source a is located, so that a transaction record related to the transaction is generated in the digital asset information source a. The "10 dollars" is a randomly generated amount of money whose randomness and real-time performance of the transaction effectively prevents the occurrence of counterfeit transactions. Of course, establishing a transaction or transaction request is not limited to transferring an amount of funds to the tender, but may include: sending a fund transfer request to the payment instrument, for example, a merchant can request a user account under the payment instrument to transfer a certain amount of fund to the user account; the payment of funds to the third party is completed through the payment treasure, for example, the user uses the payment treasure to pay certain deposit (water fee, electric fee and other forms are also possible) to the third party; and invoking other types of payment requests of the payment treasures.
Then, in the information collection step S2, the screen display content can be recorded and sent to the information collection module 103 by the screen recording module 107 when the user operates the device where the payment instrument is located. The user may be required to operate the device within a predetermined short period of time to display an interface in which the transaction record, user identity information, digital asset information, etc. are displayed in the payment instrument, while recording the screen. The information acquisition module 103 can acquire, from the screen display content in an image recognition manner, transaction records related to "10 yuan", user identity information (including a payment treasure account number, real name information, an account number two-dimensional code, and the like), and digital asset information (such as sesame credit and the like) in the payment treasure displayed by the user. Due to the fact that the screen recording is continuous, compared with other modes such as picture generation, the method can better prevent the digital asset information recording or generation process in the process of user tampering or counterfeiting. The difficulty of the digital asset information entry or generation process in the process of user tampering or counterfeiting can be further increased by prescribing a short operation time in advance, because the user is difficult to forge in a short time under the condition, and the authenticity of the carrier of the collected information is ensured.
Of course, in the information collecting step S2, the collection of the key information is not limited to the screen recording manner, and the user may use a mobile phone screenshot manner or the like to display the transaction record or the transaction request record, the user identity information, and the digital asset information in the payment bank, and can obtain a plurality of key pages of the payment bank displayed by the user through the information collecting module 103 and identify the transaction record or the transaction request record, the user identity information, and the digital asset information displayed in the key pages. Another information collection method is also possible, and the information collection module 103 can directly obtain the transaction record or the transaction request record in the payment treasure displayed by the user, the user identity information and the digital asset information in a manner of inputting the content displayed on the screen of the device through the input module 108. By arranging the input module, the flexibility of information entry can be increased, and the method is also beneficial to additionally inputting some specific transaction information or verification information such as a mobile phone verification code and the like, so that the reliability of digital asset information source verification or user identity verification is further enhanced.
Then, in the digital asset information source identification step S3, the digital asset information processing module 106 compares the random amount transaction of "10 yuan" established by the digital asset information source identification module with the key transaction information of the transaction record obtained by the information acquisition module 103, where the key transaction information may include the transaction amount and the information of the transaction party; if the two are identical, it is determined that the digital asset information source used by the user is a pay treasure (i.e., the digital asset information source used is authentic), the next step S4 is continued, and if the two are not identical, it is determined that the digital asset information source used by the user is not a pay treasure (the digital asset information source used is non-authentic). Since the '10 yuan' is randomly generated amount and transaction also occurs in real time, it is difficult for the user to forge the transaction, and the collected information is reliable due to the application of information collection means such as screen recording. Therefore, in the case that the random amount transaction of "10 yuan" established by the digital asset information source identification module is consistent with the key transaction information of the transaction record acquired by the information acquisition module 103, it can be ensured that the digital asset information source used by the user is a payment instrument.
If the identity of the digital asset source used is determined to be non-authentic in step S3, a digital asset source error result may be output in step S8 and the merchant may be prompted to terminate the transaction or to indicate that the transaction is at risk. The digital asset information source identity error result can also be applied to further user credit rating analysis, so that more reliable and real user credit rating analysis is obtained.
Then, in the user identification step S4, the user is identified by the user identification module 104, for example, in a face recognition manner, and compared with the corresponding identity database and the user identity is identified, and then the digital asset information processing module 106 compares the identified user identity with the user identity information acquired by the information acquisition module 103, and if the two are consistent, the user identity is determined to be true, otherwise, the user identity is determined to be non-true.
If the user identity used is determined to be non-authentic in step S4, a user identity error result may be output in step S9 and the merchant may be prompted to terminate the transaction or to indicate that the transaction is at risk. The user identity error result can also be applied to further user credit rating analysis, so that more reliable and real user credit rating analysis is obtained.
It should be noted that step S3 and step S4 are not limited in order.
In the digital asset information recording step S5, if it is determined that the user is authentic and it is also determined that the digital production information source used by the user is a payment treasure, the digital asset information such as sesame credits or the like acquired by the information acquisition module is recorded as the digital asset information of the user on the payment treasure.
Similarly, through the above steps S1-S5, the merchant can obtain the digital asset information (e.g., "payment point") of the user in the WeChat by means of the digital asset information collecting apparatus 100.
In the credit rating analysis step S6, the digital asset information of the user from the money payment device and the WeChat may be used together by the digital asset information processing module 106 to evaluate the user credit. Since the digital asset information of the user in the WeChat and the Payment treasure can be determined separately, the situation that the credit rating is distorted due to the fact that the digital asset information is obtained from the Payment treasure or the WeChat only singly does not occur. Meanwhile, as the digital asset information from WeChat and Payment treasures can be obtained simultaneously, merchants can realize personalized risk strategy integration according to the relatively independent information, thereby further improving the flexibility, authenticity and reliability of credit/risk rating.
The foregoing describes preferred embodiments of the present invention, but the spirit and scope of the present invention is not limited to the specific disclosure herein. Those skilled in the art can freely combine and expand the above-described embodiments in accordance with the teachings of the present invention to make further embodiments and applications within the spirit and scope of the present invention. The spirit and scope of the present invention are not to be limited by the specific embodiments but by the appended claims.
Reference numerals
100 digital asset information acquisition device
101 digital asset information source identification module
102 digital asset information source
103 information acquisition module
104 user identification module
105 corresponding identity database
106 digital asset information processing module
107 screen recording module
108 input module
S1 establishing transaction or transaction request step
S2 information collection step
S3 digital asset information source identification step
S4 user identification step
S5 digital asset information recording step
S6 Credit rating analysis step
S7 digital asset information source identity error result output step
S8 user identity error result output step
Claims (22)
1. A digital asset information collection apparatus for collecting digital asset information from a plurality of digital asset information sources, comprising:
a digital asset information source identification module for establishing a transaction or transaction request between the digital asset information collection device and the digital asset information source with a randomly generated transaction amount;
the information acquisition module is used for acquiring transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by a user;
the user identity recognition module is used for recognizing the user in a biological characteristic mode, comparing the user with a corresponding identity database and recognizing the identity of the user; and
a digital asset information processing module for processing the digital asset information,
the digital asset information processing module compares the key transaction information in the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, and if the key transaction information and the transaction record are consistent, the authenticity of the used digital asset information source is judged;
the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, and if the identified user identity and the user identity information are consistent, the authenticity of the user identity is judged;
if the user identity and the authenticity of the used digital asset information source are judged, the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user.
2. The digital asset information collection device of claim 1, wherein said digital asset information processing module uses the user's digital asset information from several digital asset information sources in common for evaluating user credit.
3. The digital asset information collection device according to claim 1 or 2, wherein the established transaction or transaction request between the digital asset information collection device and the digital asset information source comprises any one of:
transferring funds to the digital asset information source;
sending a fund transfer request to the digital asset information source;
completing a payment of funds to a third party through the digital asset information source;
invoking a class payment request of the digital asset information source.
4. The digital asset information collection device according to claim 1 or 2, wherein the key transaction information includes a transaction amount and transaction party information.
5. The digital asset information collection device according to claim 1,
the identity database is stored in the digital asset information acquisition device or is a cloud database for inquiry.
6. The digital asset information collection device according to claim 1,
the information acquisition module is used for acquiring a plurality of key pages in the digital asset information source displayed by the user and identifying transaction records or transaction request records, user identity information and digital asset information displayed in the key pages.
7. The digital asset information collection device according to claim 6,
besides the key pages, the information acquisition module is further configured to acquire randomly designated redundant pages, wherein the digital asset information processing module queries the designated redundant pages from the key pages and the redundant pages in the digital asset information source displayed by the user acquired by the information acquisition module, and if the corresponding redundant pages cannot be found, determines that the used digital asset information source is non-authentic.
8. The digital asset information collection device according to claim 6 or 7,
the digital asset information acquisition device also comprises a screen recording module which is installed on the same equipment as the digital asset information source, wherein the screen recording module is used for recording screen display contents and sending the screen display contents to the information acquisition module when a user operates the equipment where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display contents in an image recognition mode.
9. The digital asset information collection device according to claim 6 or 7,
the digital asset information acquisition device also comprises a screen recording module which is arranged on the same equipment as the information acquisition module, wherein the screen recording module is used for recording screen display contents and sending the screen display contents to the information acquisition module when a user operates the equipment where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display contents in an image recognition mode.
10. The digital asset information collection device according to claim 1,
the digital asset information acquisition device also comprises an input module, wherein the input module is suitable for inputting transaction records or transaction request records provided or displayed by a user, user identity information and digital asset information.
11. The digital asset information collection device according to claim 10,
when the user operates the equipment where the digital asset information source is located, the information acquisition module directly acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user in a mode of inputting screen display content of the equipment through the input module.
12. The digital asset information collection device according to claim 10,
the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record input by the input module, and if the transaction or transaction request established by the digital asset information source identification module is consistent with the key transaction information in the transaction record or transaction request record, the authenticity of the used digital asset information source is judged.
13. The digital asset information collection device according to claim 10,
the user identity identification module can identify the user through fingerprint identification, face identification and other modes.
14. A digital asset information collection method of collecting digital asset information from a plurality of digital asset information sources using the digital asset information collection device according to any one of claims 1 to 7, comprising the steps of:
establishing a transaction or transaction request step, wherein a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identity identification module;
an information acquisition step, wherein a transaction record or a transaction request record, user identity information and digital asset information in the digital asset information source displayed by a user are acquired through an information acquisition module;
a digital asset information source identification step, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the transaction or transaction request established by the digital asset information source identification module is consistent with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, the used digital asset information source is judged to be real, otherwise, the used digital asset information source is judged to be non-real;
a user identity identification step, wherein, a user is identified by a user identity identification module in a biological characteristic mode, and is compared with a corresponding identity database to identify the user identity, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be real, otherwise, the user identity is judged to be non-real;
and if the user identity and the used digital asset information source are judged to be true, executing a step of recording digital asset information, wherein the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user.
15. The digital asset information collection method according to claim 14, further comprising the step of using the digital asset information of the user from a plurality of digital asset information sources in common for evaluating a user's credit by said digital asset information processing module.
16. The digital asset information collection method according to claim 14 or 15, wherein the established transaction or transaction request between the digital asset information collection device and the digital asset information source comprises any one of:
transferring funds to the digital asset information source;
sending a fund transfer request to the digital asset information source;
completing a payment of funds to a third party through the digital asset information source;
invoking a class payment request of the digital asset information source.
17. The digital asset information collection method according to claim 14 or 15, wherein the key transaction information includes a transaction amount and transaction party information.
18. The digital asset information collection method according to claim 14 or 15, wherein the identity database is stored in the digital asset information collection device or is a cloud database that can be queried.
19. The digital asset information collection method according to claim 13,
the information acquisition module is used for acquiring a plurality of key pages in the digital asset information source displayed by the user and identifying transaction records or transaction request records, user identity information and digital asset information displayed in the key pages.
20. The digital asset information collection method according to claim 19, wherein the information collection module is further configured to obtain a randomly designated redundant page in addition to the key page, wherein the digital asset information processing module queries the key page and the redundant page in the digital asset information source displayed by the user and obtained by the information collection module for the designated redundant page, and if the corresponding redundant page cannot be found, determines that the digital asset information source used is not authentic.
21. A digital asset information collection method for collecting digital asset information from a plurality of digital asset information sources by using the digital asset information collection device according to claim 8 or 9, comprising the steps of:
establishing a transaction or transaction request step, wherein a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identity identification module;
an information acquisition step, wherein a screen display content is recorded and sent to the information acquisition module through the screen recording module when a user operates equipment where the digital asset information source is located, and the information acquisition module acquires a transaction record or a transaction request record, user identity information and digital asset information in the digital asset information source shown by the user from the screen display content in an image recognition mode;
a digital asset information source identification step, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the transaction or transaction request established by the digital asset information source identification module is consistent with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, the used digital asset information source is judged to be real, otherwise, the used digital asset information source is judged to be non-real;
a user identity identification step, wherein, a user is identified by a user identity identification module in a biological characteristic mode, and is compared with a corresponding identity database to identify the user identity, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be real, otherwise, the user identity is judged to be non-real;
and if the user identity and the used digital asset information source are judged to be true, executing a step of recording digital asset information, wherein the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user.
22. A digital asset information collection method of collecting digital asset information from a plurality of digital asset information sources using the digital asset information collection device according to any one of claims 10 to 12, comprising the steps of:
establishing a transaction or transaction request step, wherein a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identity identification module;
an information acquisition step, wherein when a user operates equipment where the digital asset information source is located, the information acquisition module directly acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user in a mode of inputting screen display content of the equipment through the input module;
a digital asset information source identification step, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the transaction or transaction request established by the digital asset information source identification module is consistent with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, the used digital asset information source is judged to be real, otherwise, the used digital asset information source is judged to be non-real;
a user identity identification step, wherein, a user is identified by a user identity identification module in a biological characteristic mode, and is compared with a corresponding identity database to identify the user identity, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be real, otherwise, the user identity is judged to be non-real;
and if the user identity and the used digital asset information source are judged to be true, executing a step of recording digital asset information, wherein the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user.
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