CN110705851A - Transaction risk control method and device and electronic equipment - Google Patents

Abstract

The disclosure provides a transaction risk control method, a transaction risk control device and an electronic device. The method comprises the following steps: acquiring basic transaction information of current transaction, and retrieving characteristic transaction information related to the basic transaction information in a database; carrying out wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction; acquiring external risk control information related to the current transaction from a block chain network according to the basic transaction information and the characteristic transaction information; and determining the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information. The method can improve the comprehensiveness and accuracy of risk control detection.

Description

Transaction risk control method and device and electronic equipment

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a transaction risk control method, a transaction risk control device, and an electronic device.

Background

With the development of computer technology and internet technology, electronic trading through a network trading platform is becoming a conventional choice for merchants and individuals. In the electronic transaction process, in order to improve the transaction security, a variety of risk control measures are generally adopted to perform risk control detection on relevant transaction subjects and transaction contents involved in the transaction. However, due to the complexity of internet finance and electronic commerce, an electronic transaction generally requires a plurality of institution bodies to cooperate to complete, and each institution body is different in risk control requirements and risk control methods, so that a great problem still exists in the aspects of comprehensiveness and accuracy of transaction risk control.

It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present application and therefore may include information that does not constitute prior art known to a person of ordinary skill in the art.

Disclosure of Invention

The present disclosure is directed to a transaction risk control method, a transaction risk control device, a computer readable medium, and an electronic device, so as to overcome technical problems of poor comprehensiveness and accuracy of transaction risk control due to subject limitations, at least to a certain extent.

Additional features and advantages of the disclosure will be set forth in the detailed description which follows, or in part will be obvious from the description, or may be learned by practice of the disclosure.

According to an aspect of an embodiment of the present disclosure, there is provided a transaction risk control method, including: acquiring basic transaction information of current transaction, and retrieving characteristic transaction information related to the basic transaction information in a database; carrying out wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction; acquiring external risk control information related to the current transaction from a block chain network according to the basic transaction information and the characteristic transaction information; and determining the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

According to an aspect of an embodiment of the present disclosure, there is provided a transaction risk control apparatus including: the transaction information acquisition module is configured to acquire basic transaction information of a current transaction and retrieve characteristic transaction information related to the basic transaction information in a database; an internal risk control module configured to perform wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction; the external risk control module is configured to acquire external risk control information related to the current transaction from a block chain network according to the basic transaction information and the characteristic transaction information; a wind control information determination module configured to determine transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

In some embodiments of the present disclosure, based on the above technical solutions, the external risk control module includes: a node determination module configured to determine a plurality of blockchain nodes located on a blockchain network; the information checking module is configured to acquire to-be-verified wind control information related to the current transaction from the plurality of block chain nodes respectively and perform consistency check on the to-be-verified wind control information; and the information determining module is configured to determine the to-be-verified wind control information as external risk control information related to the current transaction when the consistency check result is that the check is consistent.

In some embodiments of the present disclosure, based on the above technical solutions, the node determining module includes: the region identification module is configured to determine an opposite side transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information and acquire region identification information of the opposite side transaction main body; and the node query module is configured to query a node identification list according to the region identification information so as to determine a plurality of block chain nodes related to the counterparty transaction main body.

In some embodiments of the present disclosure, based on the above technical solutions, the transaction risk control device further includes: a data encoding module configured to encode the basic transaction information, the characteristic transaction information, and the transaction risk control information to obtain wind control encoded data; a data storage module configured to broadcast the wind control coded data to a blockchain network to store the wind control coded data in a block of the blockchain network.

In some embodiments of the present disclosure, based on the above technical solutions, the data storage module includes: the block main body storage module is configured to store the wind control coding data in a block main body of a current block to be identified; the parent block characteristic value generation module is configured to acquire block head data of a last block in the block chain network when a block generation condition is met, and calculate a parent block characteristic value according to the block head data; the block main body characteristic value generation module is configured to calculate the block main body characteristic value of the current block according to data stored in the block main body of the current block; a block header saving module configured to save the parent block feature value, the block body feature value, and a timestamp of a current time in a block header of the current block; a block linking module configured to broadcast the current block to the block chain network to perform consensus authentication on the current block, and link the current block to a block chain when the authentication is passed.

In some embodiments of the present disclosure, based on the above technical solutions, the internal risk control module includes: the both-party main body determining module is configured to determine a current transaction main body and an opposite-party transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and determine a transaction attribute value related to the current transaction main body; and the two-party main body detection module is configured to acquire internal risk main body information from the database and carry out wind control detection on the current transaction main body and the opposite transaction main body by using the internal risk main body information. And the attribute value detection module is configured to acquire an internal risk transaction attribute threshold value from the database and perform wind control detection on the transaction attribute value by using the internal risk transaction attribute threshold value.

In some embodiments of the present disclosure, based on the above technical solutions, the internal risk control module includes: a multi-party body determination module configured to determine a current transaction body of a current transaction and a plurality of third-party transaction bodies having a transaction relationship with the current transaction body within a preset period according to the basic transaction information and the characteristic transaction information; and the multiparty subject detection module is configured to acquire multiparty risk transaction information from the database and carry out wind control detection on the third party transaction subject by using the multiparty risk transaction information.

In some embodiments of the present disclosure, based on the above technical solutions, the multiparty risk transaction information includes an internal risk subject list, a periodic risk subject number threshold, and a periodic risk transaction attribute threshold; the multiparty subject detection module includes: a multi-party risk subject determination module configured to determine whether the third party transaction subject is on the internal risk subject list; a risk subject number determination module configured to determine whether the number of third party transaction subjects exceeds the periodic risk subject number threshold; and the multi-party transaction attribute threshold value judging module is configured to determine multi-party accumulated transaction attribute values of the current transaction main body and the third-party transaction main body in the second preset period and judge whether the multi-party accumulated transaction attribute values exceed the period risk transaction attribute threshold value.

According to an aspect of the embodiments of the present disclosure, there is provided a computer readable medium, on which a computer program is stored, the computer program, when executed by a processor, implementing a transaction risk control method as in the above technical solution.

According to an aspect of an embodiment of the present disclosure, there is provided an electronic apparatus including: a processor; and a memory for storing executable instructions of the processor; wherein the processor is configured to execute the transaction risk control method as in the above technical solution via executing the executable instructions.

In the technical scheme provided by the embodiment of the disclosure, the characteristic transaction information can be obtained by performing characteristic extraction and further information collection on the basic transaction information, and the wind control detection is performed on the internal wind control system and the external wind control system simultaneously by combining the basic transaction information and the characteristic transaction information, so that the comprehensiveness and accuracy of the risk control detection can be improved. In addition, transaction risk control information obtained based on internal wind control and external wind control can take account of business links of a plurality of execution main bodies related in the whole transaction process, more comprehensive and multidimensional wind control information can be obtained, risk information as much as possible is avoided from the source, risk accidents are avoided occurring in business downstream, flow repetition caused by fracture of the risk control main bodies is also avoided, transaction risk control efficiency is improved, and business interaction flow is shortened.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty. In the drawings:

FIG. 1 illustrates an exemplary system architecture diagram to which the disclosed subject matter may be applied;

figure 2 schematically illustrates a flow chart of steps of a transaction risk control method in some embodiments of the present disclosure.

Fig. 3 schematically shows a flowchart of steps for acquiring external risk control information using a blockchain network in an embodiment of the present disclosure.

Fig. 4 schematically illustrates a flowchart of the method steps for block link point determination for cross-regional transactions in the embodiment of the present disclosure.

Fig. 5 schematically illustrates a method for storing wind control information using a blockchain network in an embodiment of the present disclosure.

Fig. 6 schematically shows a flowchart of steps for generating a new tile on a blockchain network in an embodiment of the present disclosure.

Fig. 7 schematically illustrates a data sharing system based on a blockchain network in an embodiment of the present disclosure.

Fig. 8 schematically illustrates the composition of a blockchain in some embodiments of the present disclosure.

Fig. 9 schematically illustrates a process of generating a tile from a blockchain in some embodiments of the present disclosure.

Fig. 10 schematically shows a flowchart of steps of performing the wind control detection based on the transaction main body and the transaction content in the embodiment of the present disclosure.

Fig. 11 schematically shows a flowchart of steps for performing a wind control detection based on a third party transaction principal in an embodiment of the present disclosure.

FIG. 12 schematically illustrates a flow chart of steps for wind control detection using multi-party risk transaction information.

Fig. 13 schematically shows a block diagram of a transaction risk control device in some embodiments of the present disclosure.

FIG. 14 illustrates a schematic structural diagram of a computer system suitable for use in implementing the electronic device of an embodiment of the present disclosure.

Detailed Description

Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art.

Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and so forth. In other instances, well-known methods, devices, implementations, or operations have not been shown or described in detail to avoid obscuring aspects of the disclosure.

The block diagrams shown in the figures are functional entities only and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor means and/or microcontroller means.

The flow charts shown in the drawings are merely illustrative and do not necessarily include all of the contents and operations/steps, nor do they necessarily have to be performed in the order described. For example, some operations/steps may be decomposed, and some operations/steps may be combined or partially combined, so that the actual execution sequence may be changed according to the actual situation.

In the related art, risk control detection of electronic transactions is a necessary measure for ensuring the security of transactions. The risk control means measures, methods, rules and the like related to risk detection, which are taken by each transaction main body in the transaction process under respective business links, and aims to effectively avoid risks, reduce or eliminate the possibility of occurrence of risk accidents, and reduce economic or non-economic losses caused by the occurrence of the risks. Taking cross-border remittance as an example, besides the main bodies of both trading parties, a cross-border remittance transaction needs the cooperation of a plurality of main bodies such as a service party, a partner party, a bank, a supervision agency and the like. The cross-border remittance refers to the financial foreign exchange business which is carried out from one country or region to another country or region, accords with the financial regulation and quota rules of the country or region and is oriented to individuals or enterprises. The facilitator is a partner organization or merchant that provides the cross-border remittance service. The partner is a partner organization or a commercial tenant which is responsible for completing the steps of remittance information collection, feedback and the like at the receiver in the cross-border remittance process. In the traditional transaction risk control method, only when a business link related to a transaction process is transferred to a certain main body, the main body carries out wind control detection according to a risk control rule of the main body, and after the detection is passed and relevant business is completed, the business link is transferred to the next main body. The mutually independent wind control mode is difficult to meet the requirements of transaction risk control on comprehensiveness and accuracy, and simultaneously has the problems of low wind control efficiency, long transaction process and the like.

Based on the problems existing in the above schemes, the present disclosure provides a transaction risk control method, a transaction risk control device, a computer readable medium, and an electronic device that take into account the overall transaction process and can acquire more comprehensive and multidimensional wind control information.

Fig. 1 shows an exemplary system architecture diagram to which the disclosed solution is applied.

As shown in fig. 1, system architecture 100 may include a client 110, a network 120, and a server 130. The client 110 may include various terminal devices such as a smart phone, a tablet computer, a notebook computer, and a desktop computer. The server 130 may include various server devices such as a web server, an application server, a database server, and the like. Network 120 may be a communication medium of various connection types capable of providing communication links between clients 110 and servers 130, such as wired communication links, wireless communication links, and so forth.

The system architecture in the embodiments of the present disclosure may have any number of clients, networks, and servers, as desired for implementation. For example, the server 130 may be a server group consisting of a plurality of server devices. In addition, the transaction risk control method in the embodiment of the present disclosure may be applied to the client 110, and may also be applied to the server 130, which is not particularly limited in the present disclosure.

For example, when a user initiates a transaction request on the client 110, such as initiating a remittance transaction request, the human-computer interaction interface of the client 110 may be used to collect various basic information such as a remitter, a receiver, a remittance amount, a remittance destination, etc., and then the collected related information may be sent to the server 130 through the network 120, and then the server 130 performs risk control detection on the remittance transaction, which may specifically include two parts, namely, an internal risk control based on a database and an external risk control based on a block chain network, so as to obtain risk control information related to the remittance transaction. Based on the obtained risk control information, a determination can be made whether the transaction request meets the wind control requirement, and if the wind control requirement is met, the remittance transaction request can be transmitted to the partner or other main bodies so as to continue the subsequent business process.

The following detailed description of the transaction risk control method, the transaction risk control device, the computer readable medium, and the electronic device according to the present disclosure is provided in conjunction with the detailed description.

Figure 2 schematically illustrates a flow chart of steps of a transaction risk control method in some embodiments of the present disclosure. As shown in fig. 2, the method may mainly include the following steps:

step S210, acquiring basic transaction information of the current transaction, and retrieving characteristic transaction information related to the basic transaction information in a database.

The basic transaction information of the current transaction mainly includes information related to the transaction subject and the transaction content, and in the case of a remittance transaction, the basic transaction information may include basic information of a remitter and a recipient as the transaction subject, and may include a remittance amount, a remittance destination, and other related information. The method for acquiring the basic transaction information may be, for example, information acquisition through a human-computer interaction interface of the client, and the acquisition method may include two types, namely, actively submitting by the user and inquiring from the user. The information actively submitted by the user includes but is not limited to: the user's last name, first name, gender, age, birthday, nationality, etc. Information queried by the user includes, but is not limited to: transaction relationship, transaction purpose, etc. The inquiry information acquisition mode comprises list selection, manual input and the like. In the step, by performing feature extraction on the basic transaction information, feature transaction information related to the basic transaction information can be further obtained through a database, and the feature transaction information can include, for example, a resident identification number of the user or other information with an identity function, and can also include information such as a historical transaction record of the user.

And S220, carrying out wind control detection on the basic transaction information and the characteristic transaction information to obtain the internal risk control information of the current transaction.

For the basic transaction information and the characteristic transaction information obtained in step S210, an internal risk control system may be used to perform wind control detection on the basic transaction information and the characteristic transaction information, where the internal risk control system refers to a risk control system managed and maintained by an executing entity of the current business link (e.g., a service party providing cross-border remittance service), and the system provides a method and rules for performing risk control detection on a transaction, for example, the internal risk control system may establish and maintain a blacklist, and people in the blacklist do not comply with relevant regulations, legal rules, or have a greater risk. Generally, if the transaction subject involved in the current transaction appears on the blacklist, it can be determined that the relevant transaction subject is not within the transaction service range. The internal risk control information of the current transaction can be obtained by performing wind control detection by using the internal risk control system, and the content of the internal risk control information may include, for example, whether the current transaction passes the wind control detection, and if the detection result is failure, the reason why the current transaction fails to pass the detection. Optionally, the internal risk control system may also set two or more risk control levels corresponding to different rules and criteria, and internal risk control information corresponding to different risk control levels may be formed for the current transaction.

And step S230, acquiring external risk control information related to the current transaction from the block chain network according to the basic transaction information and the characteristic transaction information.

The execution agent (i.e., internal execution agent) of the current business segment may be added as a blockchain node to a blockchain network, and the external execution agent cooperating with the internal execution agent to complete the current transaction may be another node on the blockchain network. This step may utilize an external risk control system based on a blockchain network to obtain external risk control information related to the current transaction. An external risk control system is a risk control system that is managed and maintained by other execution agents than the execution agent of the current business segment. For example, if the internal execution body that manages the internal risk control system is a service that provides a cross-border remittance service, the execution body that manages the external risk control system may be an external execution body such as a partner, bank, regulatory agency, etc. that cooperates with the service to collectively complete the cross-border remittance service. The internal execution main body and the external execution main body are generally oriented to different user groups, and the respective user groups are overlapped and associated to a certain degree, so that the internal risk control system and the external risk control system have certain correlation in the aspect of risk control rules, and have certain difference in the aspects of risk control requirements and risk control details. For example, similar to an internal risk control system, an external risk control system may also establish and maintain a blacklist for different user groups. In addition, the external risk control system may also provide other forms of external risk control information based on credit records, crime records, sanctioned lists, etc. of the user, depending on the information collection scope and information acquisition capabilities of the external enforcement agent.

And S240, determining transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

The transaction risk control information for the current transaction may be determined by integrating the internal risk control information and the external risk control information. The safety of the current transaction can be evaluated based on the transaction risk control information, and if the transaction risk control information shows that the current transaction has safety risks in certain links or dimensions, safety reminding can be provided for a user or the current transaction can be directly rejected.

In the transaction risk control method provided by the embodiment of the disclosure, the characteristic transaction information can be obtained by performing characteristic extraction and further information collection on the basic transaction information, and the wind control detection is performed on the database-based internal wind control system and the block chain network-based external wind control system simultaneously in combination with the basic transaction information and the characteristic transaction information, so that the comprehensiveness and accuracy of the risk control detection can be improved. In addition, transaction risk control information obtained based on internal wind control and external wind control can take account of business links of a plurality of execution main bodies related in the whole transaction process, more comprehensive and multidimensional wind control information can be obtained, risk information as much as possible is avoided from the source, risk accidents are avoided occurring in business downstream, flow repetition caused by fracture of the risk control main bodies is also avoided, transaction risk control efficiency is improved, and business interaction flow is shortened.

In addition, the block chain network is utilized to carry out external risk control, so that data sharing can be carried out among various business execution main bodies such as a transaction server, a partner, a bank, a supervision mechanism and the like, and the comprehensiveness and the accuracy of transaction risk control are improved.

Fig. 3 schematically shows a flowchart of steps for acquiring external risk control information using a blockchain network in an embodiment of the present disclosure. As shown in fig. 3, on the basis of the above embodiment, the step of obtaining the external risk control information related to the current transaction from the blockchain network in step S230 may include the following steps:

step s310. determine a plurality of blockchain nodes located on a blockchain network.

A blockchain network as a data sharing system is a network system formed by connecting a plurality of blockchain nodes through point-To-point communication, any two connected blockchain nodes can perform data communication through a P2P Protocol (Peer To Peer), and the P2P Protocol is an application layer Protocol operating on a Transmission Control Protocol (TCP).

And S320, acquiring the to-be-verified wind control information related to the current transaction from the plurality of block link points respectively, and performing consistency check on the to-be-verified wind control information.

The complete blockchain can be stored on part or all of the blockchain nodes of the blockchain network, and the wind control information formed by transaction risk control of different blockchain nodes is stored in each block linked on the blockchain. Based on the multiple blockchain nodes determined in step S310, in this step, to-be-verified wind control information related to the current transaction may be respectively obtained from each blockchain node according to the basic transaction information and the characteristic transaction information, and meanwhile, consistency verification may be performed on to-be-verified wind control information from different blockchain nodes, so as to determine whether to-be-verified wind control information provided by different blockchain nodes is consistent.

And S330, when the consistency check result is that the check is consistent, determining the to-be-verified wind control information as external risk control information related to the current transaction.

If the to-be-verified wind control information acquired from each block chain node is verified to be consistent, the to-be-verified wind control information can be regarded as accurate data subjected to consensus authentication, and therefore the to-be-verified wind control information can be used as external risk control information related to the current transaction.

By carrying out consistency check on the data stored on the plurality of block chain nodes, the problems that information is falsified or data transmission errors occur and the like can be avoided, so that the accuracy and the reliability of transaction risk control can be further improved.

In the transaction related to cross-border remittance and other transactions with obvious regional characteristics, due to the difference of different countries or regions in various aspects such as laws, regulations, languages, money and the like, the circulation link and the complexity of the transaction are greatly influenced. Fig. 4 schematically illustrates a flowchart of the method steps for block link point determination for cross-regional transactions in the embodiment of the present disclosure. As shown in fig. 4, on the basis of the above embodiments, step s310. determining a plurality of blockchain nodes located on a blockchain network may include the following steps:

and S410, determining an opposite side transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and acquiring the region identification information of the opposite side transaction main body.

In the basic transaction information and the characteristic transaction information, there are data related to the transaction subject involved in the current transaction, and based on these data, the current transaction subject and the counterpart transaction subject in the current transaction can be determined, for example, in a cross-border remittance transaction, the current transaction subject may be a remitter and the counterpart transaction subject may be a payee located abroad. In the step, while the counterparty transaction main body is determined, the region identification information of the counterparty transaction main body can be obtained, wherein the region identification information is a distinguishing identification of the country or region where the counterparty transaction main body is located. Transaction bodies located in the same region may have the same region identifier, while transaction bodies located in different regions should have different region identifiers. In addition, the region identifier can also be used for judging the region position relationship of different transaction subjects.

Step S420, inquiring the node identification list according to the region identification information to determine a plurality of block chain nodes related to the opposite transaction main body.

The node identification list stores node information of part or all of the block chain link points forming the block chain network, wherein the node information includes a region identification corresponding to each block chain link point. According to the region identification information of the counterparty transaction main body obtained in the step S410, the block link point located in the same region or a related region with the counterparty transaction main body can be found by querying the node identification list. And subsequently acquiring the to-be-verified wind control information from the blockchain nodes which have regional relevance with the counterparty transaction main body. For example, the current transaction body is a user located in hong kong of china who needs to send money to an opposite transaction body located in the continental china (or other countries or regions such as philippines, indonesia, etc.). In this step, the block link points whose regional identifiers are the continental areas of china can be searched in the node identifier list, and these block link nodes are used as data sources for acquiring the wind control information to be verified.

In the embodiment of the disclosure, by dividing the zone identification of the zone chain nodes on the zone chain network, the transaction risk control information formed in different zones can be accurately obtained, and the limitation of the zone factors on information processing, analysis and transmission is eliminated while the information accuracy and comprehensiveness are improved.

Fig. 5 schematically illustrates a method for storing wind control information using a blockchain network in an embodiment of the present disclosure. As shown in fig. 5, the method may include the steps of:

and step S510, encoding the basic transaction information, the characteristic transaction information and the transaction risk control information to obtain wind control encoded data.

For the basic transaction information and the characteristic transaction information which are used as the basis of the wind control detection in the current transaction and the transaction risk control information which is used as the result of the wind control detection, the step performs encoding processing on the basic transaction information and the characteristic transaction information to obtain wind control encoded data, and the encoding method can adopt hash encoding, for example.

Step s520, the wind control coded data is broadcasted to the blockchain network, so that the wind control coded data is stored in the blocks of the blockchain network.

The wind control coded data obtained through information coding can be broadcasted to the block chain network, and after a new block is generated, the wind control coded data are stored in the blocks of the block chain network, so that data sharing among the chain nodes of the blocks is realized.

Fig. 6 schematically shows a flowchart of steps for generating a new tile on a blockchain network in an embodiment of the present disclosure. As shown in fig. 6, on the basis of the above embodiments, the step S520 of saving the wind control coded data in the tile of the blockchain network may include the following steps:

and S610, storing the wind control coded data in a block main body of the current block to be identified.

Each block forming the block chain comprises a block head and a block main body, wherein the block main body is used for storing all data recorded in the current block, and for example, the wind control coded data obtained by coding the related information is stored in the block main body of the current block. The block header is used for storing the link information of the current block and the previous block, and all the blocks can be linked one by using the data stored in the block header to form a complete block chain.

Step S620, when the block generation condition is met, block head data of a last block in the block chain network is obtained, and a father block characteristic value is obtained through calculation according to the block head data.

When a certain condition for generating a block is satisfied, the step may obtain the block header data of the previous block (i.e., the newly generated new block) in the block chain network, and may calculate the parent block eigenvalue of the current block according to the block header data. For example, SHA256 algorithm may be used to hash the header data of the previous block to obtain a hash value as the parent syndrome of the current block. The block generation condition in this step may be that the time for generating the previous block reaches a time threshold, or that the data stored in the block main body of the current block reaches a data amount threshold, or may be any other preset condition for triggering generation of a new block, which is not particularly limited in this embodiment.

Step S630, calculating the block main body characteristic value of the current block according to the data stored in the block main body of the current block.

The block main body of the current block stores wind control coded data formed by wind control detection on various transactions by different nodes within a period of time. According to the data stored in the block body, a hash value can be obtained in this step as the block body characteristic value of the current block. Taking hash coding as an example, all the wind control coded data in the tile body may be stored in the tile body in the form of Merkle Tree (Merkle Tree). Specifically, the wind control coded data may be stored in leaf nodes of the merkel tree, and the hash value stored in one child node may be obtained by performing hash operation again after combining the wind control coded data stored in every two adjacent leaf nodes. By adopting the mode of combining the hash values stored in the sub-nodes pairwise and performing hash operation layer by layer upwards, a root node hash value can be finally obtained, and the root node hash value can be used as a block main characteristic value of the current block.

Step s640, the parent block characteristic value, the block body characteristic value, and the timestamp of the current time are stored in the block header of the current block.

After the parent block feature value and the block main feature value are obtained through calculation in step S620 and step S630, a timestamp may be generated according to the current time in this step, and the timestamp is used to record the generation time of the current block. The parent block characteristic value, the block body characteristic value, and the timestamp may then be collectively saved in the block header of the current block.

Step S650, broadcasting the current block to a block chain network to perform consensus authentication on the current block, and linking the current block to a block chain when the authentication is passed.

After the block header data is saved, the current block, which is composed of the block header and the block body, is broadcast to the block chain network. After passing the consensus authentication, storing the current block by all or part of the block link points in the block chain network, namely completing the chain entering process of the current block in the block chain.

Fig. 7 schematically illustrates a data sharing system based on a blockchain network in an embodiment of the present disclosure. As shown in fig. 7, the data sharing system 700 refers to a system for performing data sharing between nodes, the data sharing system may include a plurality of nodes 710, and the plurality of nodes 710 may refer to respective clients in the data sharing system. Each node 710 may receive input information while performing normal operations and maintain shared data within the data sharing system based on the received input information. In order to ensure information intercommunication in the data sharing system, information connection can exist between each node in the data sharing system, and information transmission can be carried out between the nodes through the information connection. For example, when an arbitrary node in the data sharing system receives input information, other nodes in the data sharing system acquire the input information according to a consensus algorithm, and store the input information as data in shared data, so that the data stored on all the nodes in the data sharing system are consistent.

Each node in the data sharing system has a node identifier corresponding thereto, and each node in the data sharing system may store a node identifier of another node in the data sharing system, so that the generated block is broadcast to the other node in the data sharing system according to the node identifier of the other node in the following. Each node may maintain a node identifier list as shown in the following table, and store the node name and the node identifier in the node identifier list correspondingly. The node identifier may be an IP (Internet Protocol) address and any other information that can be used to identify the node, and table 1 only illustrates the IP address as an example.

Node name	Node identification
		Node 1	117.114.151.174
Node 2	117.116.189.145
		…	…
Node N	119.123.789.258

Each node in the data sharing system stores one identical blockchain. The block chain is composed of a plurality of blocks, and fig. 8 schematically shows a composition structure of the block chain in some embodiments of the present disclosure. As shown in fig. 8, the block chain is composed of a plurality of blocks, the starting block includes a block header and a block main body, the block header stores an input information feature value, a version number, a timestamp, and a difficulty value, and the block main body stores input information; the next block of the starting block takes the starting block as a parent block, the next block also comprises a block head and a block main body, the block head stores the input information characteristic value of the current block, the block head characteristic value of the parent block, the version number, the timestamp and the difficulty value, and the like, so that the block data stored in each block in the block chain is associated with the block data stored in the parent block, and the safety of the input information in the block is ensured.

Fig. 9 schematically illustrates a process of generating a tile from a blockchain in some embodiments of the present disclosure. As shown in fig. 9, when receiving input information, a node where a block chain is located verifies the input information, and after completing the verification, stores the input information in a memory pool, and updates a hash tree used for recording the input information; and then, updating the updating time stamp to the time when the input information is received, trying different random numbers, and calculating the characteristic value for multiple times, so that the calculated characteristic value can meet the following formula:

SHA256(SHA256(version+prev_hash+merkle_root+ntime+nbits+x))<TARGET

wherein, SHA256 is a characteristic value algorithm used for calculating a characteristic value; version is version information of the relevant block protocol in the block chain; prev _ hash is a block head characteristic value of a parent block of the current block; merkle _ root is a characteristic value of the input information; ntime is the update time of the update timestamp; nbits is the current difficulty, is a fixed value within a period of time, and is determined again after exceeding a fixed time period; x is a random number; TARGET is a feature threshold, which can be determined from nbits.

Therefore, when the random number meeting the formula is obtained through calculation, the information can be correspondingly stored, and the block head and the block main body are generated to obtain the current block. And then, the node where the block chain is located respectively sends the newly generated blocks to other nodes in the data sharing system where the newly generated blocks are located according to the node identifications of the other nodes in the data sharing system, the newly generated blocks are verified by the other nodes, and the newly generated blocks are added to the block chain stored in the newly generated blocks after the verification is completed. The risk control detection of the basic transaction information and the characteristic transaction information can be mainly detected from two dimensions of a transaction main body and transaction contents. Fig. 10 schematically shows a flowchart of steps of performing the wind control detection based on the transaction main body and the transaction content in the embodiment of the present disclosure. As shown in fig. 10, on the basis of the above embodiment, the performing of the wind control detection on the basic transaction information and the characteristic transaction information in step S220 may include the following steps:

step S1010, determining a current transaction main body and an opposite side transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and determining a transaction attribute value related to the current transaction main body.

At least two main bodies, namely a current transaction main body and an opposite transaction main body, are involved in a two-party transaction, for example, in a remittance transaction, a remitter serving as a transaction initiator is the current transaction main body, and a corresponding payee is the opposite transaction main body. When initiating a remittance transaction application, a current transaction main body can input basic transaction information through a client, wherein the basic transaction information at least comprises names, account numbers and other information of a remitter and a receiver, and can also comprise other basic information such as gender, age, birthday, nationality, two-party relationship, transaction purpose and the like. The characteristic transaction information related to the basic transaction information may include resident identification numbers or other identification information of the remitter and the payee retrieved and inquired in the database, and may further include fingerprint information for fingerprint identification verification, a face image for face identification verification, and the like. Based on this information, the current transaction principal and the counterpart transaction principal involved in the current transaction can be uniquely determined.

In addition to the transaction subject information, the basic transaction information includes information related to the transaction content, for example, in a transaction involving a financial service such as a loan transaction or a remittance transaction, the basic transaction information may include information such as a loan amount or a remittance amount. The base transaction information may also be used to retrieve characteristic transaction information associated with the current transaction subject, such as a money transfer transaction record, a money receiving transaction record, etc. of the current transaction subject from a database. The transaction attribute value associated with the current transaction body determined based on such information may be a remittance amount of the current transaction body over a period of time. In some optional embodiments, the transaction attribute value may include a current transaction attribute value corresponding to a current transaction and a cumulative transaction attribute value over a first preset period. For example, the current transaction attribute value may be the money transfer amount of the current money transfer transaction, and the cumulative transaction attribute value may be the cumulative money transfer amount of the current transaction subject in the last month or year. And S1020, acquiring internal risk main body information from the database, and carrying out wind control detection on the current transaction main body and the opposite transaction main body by using the internal risk main body information.

The database may store identity information and behavior information of a part of transaction subjects, information integration may be performed on the transaction subjects with possible transaction risks to form internal risk subject information, and the internal risk subject information may be used to perform wind control detection on the current transaction subject and the opposite transaction subject determined in step S1010. The internal risk subject information may take the form of credit records, criminal records, sanctioned lists, blacklists, and the like. For example, the internal risk subject information may include an internal risk subject list consisting of identity information of the distrusted person. The step judges whether the current transaction main body and the opposite transaction main body exist on the internal risk main body list or not respectively, and if any one of the current transaction main body and the opposite transaction main body hits the identity information on the internal risk main body list, the current transaction can be judged to have the transaction risk.

And S1030, acquiring an internal risk transaction attribute threshold value from the database, and carrying out wind control detection on the transaction attribute value by using the internal risk transaction attribute threshold value.

An internal risk transaction attribute threshold may be preset in the database, and the transaction attribute value determined in step S1010 may be subjected to wind control detection with the threshold as a determination criterion. In some optional implementations, the internal risk transaction attribute threshold may include a single transaction attribute threshold corresponding to a current transaction attribute value and a cumulative transaction attribute threshold corresponding to a cumulative transaction attribute value. Correspondingly, the step of performing a pneumatic detection on the transaction attribute value by using the internal risk transaction attribute threshold value comprises: judging whether the current transaction attribute value exceeds a single transaction attribute threshold value; it is determined whether the cumulative transaction attribute value exceeds a cumulative transaction attribute threshold. If it is determined that the current transaction attribute value exceeds the single transaction attribute threshold or that the cumulative transaction attribute value exceeds the cumulative transaction attribute threshold, then the current transaction may be considered to be at some transaction risk.

The wind control detection performed in the above embodiment only relates to the current transaction subject and the opposite transaction subject in the current transaction, and if the standard of the wind control detection is further improved, the wind control detection may be performed on the related information of the third party transaction subject related to the current transaction subject. The third party transaction principal may be another principal that has a transaction with the current transaction principal within a certain period of time.

Fig. 11 schematically shows a flowchart of steps for performing a wind control detection based on a third party transaction principal in an embodiment of the present disclosure. As shown in fig. 11, on the basis of the above embodiments, the performing of the wind control detection on the basic transaction information and the characteristic transaction information in step S220 may include the following steps:

step S1110, determining a current transaction main body of the current transaction and a plurality of third party transaction main bodies having transaction relations with the current transaction main body in a preset period according to the basic transaction information and the characteristic transaction information.

The current transaction subject of the current transaction can be determined according to the basic transaction information and the characteristic transaction information, and the determination manner can refer to the related description of the above embodiment, which is not described herein again. In addition, the step can determine a plurality of third-party transaction main bodies having transaction relations with the current transaction main body in a second preset period. For example, if a user has initiated a money transfer transaction to multiple recipients within the last month or year, then those recipients act as third party transaction partners.

And step S1120, acquiring multi-party risk transaction information from the database, and carrying out wind control detection on the third-party transaction main body by using the multi-party risk transaction information.

The database can be pre-configured with multi-party risk transaction information for a plurality of transaction subjects. Similar to the wind control detection method for the two-party transaction in the above embodiment, in this step, the third-party transaction main body may also be wind controlled and detected from both the transaction main body and the transaction content. For a specific detection method, reference may be made to the related descriptions in the above embodiments, and further description is omitted here.

In some optional embodiments, the multiparty risk transaction information determined in step S1120 may specifically include information such as an internal risk subject list, a periodic risk subject number threshold, and a periodic risk transaction attribute threshold. The internal risk subject list is a list of identity information of the distrusted persons established and held by the currently executing subject, i.e. a black list. The period risk subject number threshold is an upper limit of the number of other transaction subjects having a transaction relationship with the current transaction subject within a certain time period, and the period risk transaction attribute threshold is an upper limit of an accumulated transaction attribute value generated by performing a transaction with other transaction subjects within a certain time period.

On this basis, fig. 12 schematically shows a flow chart of steps for performing a wind control detection by using multi-party risk transaction information. As shown in fig. 12, the performing of the wind control detection on the third party transaction main body by using the multi-party risk transaction information in step S1120 may include the following steps:

and S1210, judging whether the third-party transaction main body exists on the internal risk main body list.

If any third party transaction main body hits the main body information on the internal risk main body list, the current transaction can be judged to have a certain transaction risk.

Step S1220, judging whether the number of the third-party transaction main bodies exceeds the threshold value of the number of the periodic risk main bodies.

If the number of the third-party transaction main bodies having transaction relations with the current transaction main body in the second preset period exceeds the period risk main body number threshold value, it can be judged that certain transaction risks exist in the current transaction.

Step S1230, determining the attribute values of the multi-party accumulated transaction of the current transaction main body and the third party transaction main body in a second preset period, and judging whether the attribute values of the multi-party accumulated transaction exceed the period risk transaction attribute threshold value.

For the transaction of the current transaction main body with the third party transaction main body in the second preset period, the transaction attribute value of each transaction can be counted in the step, so that the multi-party accumulated transaction attribute value can be obtained. If the multi-party accumulated transaction attribute value exceeds the periodic risk transaction attribute threshold value, it can be determined that a certain transaction risk exists in the current transaction.

For example, in the current transaction, a current transaction body as a sender transfers money to a counterpart transaction body as a receiver. The current transaction main body also sends remittance to a plurality of other transaction main bodies except the opposite transaction main body within a certain time period, namely sends remittance to a plurality of third party transaction main bodies, and if any one or more of the following conditions are met, the current transaction can be judged to have a certain transaction risk.

(1) Any third party transaction subject that is a payee exists on the internal risk subject list.

(2) The number of third party transaction agents that are payees exceeds the cycle risk agent number threshold.

(3) The total remittance amount of the current transaction body to the third party transaction body exceeds the periodic risk transaction attribute threshold.

For another example, in the current transaction, the current transaction body as the sender remits money to the counterpart transaction body as the receiver. In a certain time period, a plurality of other transaction bodies except the current transaction body send remittance to the opposite transaction body, namely, a plurality of third-party transaction bodies send remittance to the opposite transaction body, if any one or more of the following conditions are met, the fact that certain transaction risk exists in the current transaction can be judged.

(1) Any third party transaction subject that is a sender exists on the internal risk subject list.

(2) The number of third party transaction bodies as transferors exceeds the cycle risk body number threshold.

(3) The total remittance amount remitted by the plurality of third party transaction bodies to the counterpart transaction body exceeds the periodic risk transaction attribute threshold.

The above embodiments describe the wind control detection method for obtaining the internal risk control information, and the same or similar wind control detection method may also be adopted in other blockchain nodes of the blockchain network, so that the external risk control information related to the current transaction may be provided. After the internal risk control system and the external risk control system are used for wind control detection to obtain transaction risk control information of the current transaction, the related information can be stored in a local place, a cloud database or a block chain and the like to provide detection basis for risk control of other subsequent transactions.

It should be noted that although the various steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that these steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.

Embodiments of the apparatus of the present disclosure are described below, which may be used to implement the transaction risk control method in the above-described embodiments of the present disclosure. For details not disclosed in the embodiments of the device of the present disclosure, please refer to the embodiments of the transaction risk control method of the present disclosure.

Fig. 13 schematically shows a block diagram of a transaction risk control device in some embodiments of the present disclosure. As shown in fig. 13, the transaction risk control device 1300 may mainly include: a transaction information obtaining module 1310 configured to obtain basic transaction information of a current transaction, and retrieve characteristic transaction information related to the basic transaction information in a database; an internal risk control module 1320 configured to perform wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction; an external risk control module 1330 configured to obtain external risk control information related to the current transaction from a blockchain network according to the basic transaction information and the characteristic transaction information; the wind control information determining module 1340 is configured to determine transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

In some embodiments of the present disclosure, based on the above embodiments, the external risk control module comprises: a node determination module configured to determine a plurality of blockchain nodes located on a blockchain network; the information checking module is configured to acquire to-be-verified wind control information related to the current transaction from a plurality of block chain link points respectively and perform consistency check on the to-be-verified wind control information; and the information determining module is configured to determine the to-be-verified wind control information as the external risk control information related to the current transaction when the consistency check result is that the check is consistent.

In some embodiments of the present disclosure, based on the above embodiments, the node determining module includes: the region identification module is configured to determine an opposite side transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information and acquire region identification information of the opposite side transaction main body; and the node query module is configured to query the node identification list according to the region identification information so as to determine a plurality of block chain nodes related to the counterparty transaction main body.

In some embodiments of the present disclosure, based on the above embodiments, the transaction risk control device further includes: the data coding module is configured to code the basic transaction information, the characteristic transaction information and the transaction risk control information to obtain wind control coded data; and the data storage module is configured to broadcast the wind control coding data to the blockchain network so as to store the wind control coding data in the blocks of the blockchain network.

In some embodiments of the present disclosure, based on the above embodiments, the data storage module includes: the block main body storage module is configured to store the wind control coding data in a block main body of a current block to be identified; the parent block characteristic value generation module is configured to acquire block header data of a last block in the block chain network when a block generation condition is met, and calculate to obtain a parent block characteristic value according to the block header data; the block main body characteristic value generation module is configured to calculate the block main body characteristic value of the current block according to the data stored in the block main body of the current block; a block header saving module configured to save the parent block feature value, the block body feature value, and the timestamp of the current time in the block header of the current block; and the block linking module is configured to broadcast the current block to a block chain network so as to perform consensus authentication on the current block, and link the current block to the block chain when the authentication is passed.

In some embodiments of the present disclosure, based on the above embodiments, the internal risk control module includes: the both-party main body determining module is configured to determine a current transaction main body and an opposite-party transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and determine a transaction attribute value related to the current transaction main body; and the two-party main body detection module is configured to acquire internal risk main body information from the database and carry out wind control detection on the current transaction main body and the opposite-party transaction main body by utilizing the internal risk main body information. And the attribute value detection module is configured to acquire an internal risk transaction attribute threshold value from the database and perform wind control detection on the transaction attribute value by using the internal risk transaction attribute threshold value.

In some embodiments of the present disclosure, based on the above embodiments, the internal risk control module includes: the multi-party body determining module is configured to determine a current transaction body of the current transaction and a plurality of third-party transaction bodies having transaction relations with the current transaction body in a preset period according to the basic transaction information and the characteristic transaction information; and the multiparty main body detection module is configured to acquire multiparty risk transaction information from the database and carry out wind control detection on the third party transaction main body by utilizing the multiparty risk transaction information.

In some embodiments of the present disclosure, based on the above embodiments, the multiparty risk transaction information includes an internal risk subject list, a periodic risk subject number threshold, and a periodic risk transaction attribute threshold; the multi-party agent detection module comprises: the multi-party risk main body judging module is configured to judge whether a third-party transaction main body exists on the internal risk main body list; a risk subject quantity determination module configured to determine whether a quantity of third party transaction subjects exceeds a periodic risk subject quantity threshold; and the multi-party transaction attribute threshold judging module is configured to determine multi-party accumulated transaction attribute values of the current transaction main body and the third-party transaction main body in a second preset period and judge whether the multi-party accumulated transaction attribute values exceed the period risk transaction attribute threshold.

The specific details of the transaction risk control device provided in each embodiment of the present disclosure have been described in detail in the corresponding method embodiment, and therefore, the details are not described herein again.

FIG. 14 illustrates a schematic structural diagram of a computer system suitable for use in implementing the electronic device of an embodiment of the present disclosure.

It should be noted that the computer system 1400 of the electronic device shown in fig. 14 is only an example, and should not bring any limitation to the functions and the scope of the application of the embodiments of the present disclosure.

As shown in fig. 14, a computer system 1400 includes a Central Processing Unit (CPU)1401 that can perform various appropriate actions and processes in accordance with a program stored in a Read-Only Memory (ROM) 1402 or a program loaded from a storage portion 1408 into a Random Access Memory (RAM) 1403. In the RAM 1403, various programs and data necessary for system operation are also stored. The CPU1401, ROM 1402, and RAM 1403 are connected to each other via a bus 1404. An Input/Output (I/O) interface 1405 is also connected to the bus 1404.

The following components are connected to the I/O interface 1405: an input portion 1406 including a keyboard, a mouse, and the like; an output portion 1407 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage portion 1408 including a hard disk and the like; and a communication section 1409 including a network interface card such as a LAN (Local area network) card, a modem, or the like. The communication section 1409 performs communication processing via a network such as the internet. The driver 1410 is also connected to the I/O interface 1405 as necessary. A removable medium 1411 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 1410 as necessary, so that a computer program read out therefrom is installed into the storage section 1408 as necessary.

In particular, the processes described in the various method flowcharts may be implemented as computer software programs, according to embodiments of the present disclosure. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method illustrated in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 1409 and/or installed from the removable medium 1411. When the computer program is executed by a Central Processing Unit (CPU)1401, various functions defined in the system of the present application are executed.

It should be noted that the computer readable medium shown in the embodiments of the present disclosure may be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a Read-Only Memory (ROM), an Erasable Programmable Read-Only Memory (EPROM), a flash Memory, an optical fiber, a portable Compact Disc Read-Only Memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer-readable signal medium may include a propagated data signal with computer-readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.

Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a touch terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.

Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains.

It will be understood that the present disclosure is not limited to the precise arrangements described above and shown in the drawings and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

Claims (10)

1. A transaction risk control method, comprising:

acquiring basic transaction information of current transaction, and retrieving characteristic transaction information related to the basic transaction information in a database;

carrying out wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction;

acquiring external risk control information related to the current transaction from a block chain network according to the basic transaction information and the characteristic transaction information;

and determining the transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

2. The transaction risk control method of claim 1, wherein the obtaining external risk control information related to the current transaction from a blockchain network comprises:

determining a plurality of blockchain nodes located on a blockchain network;

acquiring to-be-verified wind control information related to the current transaction from the plurality of block chain link points respectively, and performing consistency check on the to-be-verified wind control information;

and when the consistency check result is that the consistency check is consistent, determining the to-be-verified wind control information as the external risk control information related to the current transaction.

3. The transaction risk control method of claim 2, wherein determining a plurality of blockchain nodes located on a blockchain network comprises:

determining an opposite side transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and acquiring region identification information of the opposite side transaction main body;

and inquiring a node identification list according to the region identification information to determine a plurality of block chain nodes related to the counterparty transaction main body.

4. The transaction risk control method of claim 1, further comprising:

encoding the basic transaction information, the characteristic transaction information and the transaction risk control information to obtain wind control encoded data;

and broadcasting the wind control coding data to a block chain network so as to store the wind control coding data in the blocks of the block chain network.

5. The transaction risk control method of claim 4, wherein the saving the wind control coded data in a block of the blockchain network comprises:

storing the wind control coded data in a block main body of a current block to be identified;

when a block generation condition is met, acquiring block head data of a last block in the block chain network, and calculating according to the block head data to obtain a parent block characteristic value;

calculating the block main body characteristic value of the current block according to the data stored in the block main body of the current block;

storing the parent block characteristic value, the block main characteristic value and a timestamp of the current time in a block header of the current block;

broadcasting the current block to the block chain network to perform consensus authentication on the current block, and linking the current block to a block chain when the authentication is passed.

6. The transaction risk control method of claim 1, wherein the performing a wind-based detection of the base transaction information and the characteristic transaction information comprises:

determining a current transaction main body and an opposite transaction main body in the current transaction according to the basic transaction information and the characteristic transaction information, and determining a transaction attribute value related to the current transaction main body;

acquiring internal risk subject information from the database, and carrying out wind control detection on the current transaction subject and the opposite transaction subject by using the internal risk subject information;

and acquiring an internal risk transaction attribute threshold from the database, and carrying out wind control detection on the transaction attribute value by using the internal risk transaction attribute threshold.

7. The transaction risk control method of claim 1, wherein the performing a wind-based detection of the base transaction information and the characteristic transaction information comprises:

determining a current transaction main body of the current transaction and a plurality of third party transaction main bodies having transaction relations with the current transaction main body in a preset period according to the basic transaction information and the characteristic transaction information;

and acquiring multi-party risk transaction information from the database, and carrying out wind control detection on the third party transaction main body by utilizing the multi-party risk transaction information.

8. The transaction risk control method of claim 7, wherein the multi-party risk transaction information includes an internal risk subject list, a periodic risk subject quantity threshold, a periodic risk transaction attribute threshold; the carrying out wind control detection on the third party transaction main body by utilizing the multi-party risk transaction information comprises the following steps:

judging whether the third party transaction subject exists on the internal risk subject list or not;

judging whether the number of the third-party transaction main bodies exceeds the threshold value of the number of the periodic risk main bodies;

and determining the attribute values of the multi-party accumulated transaction of the current transaction main body and the third-party transaction main body in the second preset period, and judging whether the attribute values of the multi-party accumulated transaction exceed the period risk transaction attribute threshold value.

9. A transaction risk control device, comprising:

the transaction information acquisition module is configured to acquire basic transaction information of a current transaction and retrieve characteristic transaction information related to the basic transaction information in a database;

an internal risk control module configured to perform wind control detection on the basic transaction information and the characteristic transaction information to obtain internal risk control information of the current transaction;

the external risk control module is configured to acquire external risk control information related to the current transaction from a block chain network according to the basic transaction information and the characteristic transaction information;

a wind control information determination module configured to determine transaction risk control information of the current transaction according to the internal risk control information and the external risk control information.

10. An electronic device, comprising:

a processor; and

a memory for storing executable instructions of the processor;

wherein the processor is configured to perform the transaction risk control method of any of claims 1 to 8 via execution of the executable instructions.

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