CN111709743B - Payment risk management system based on block chain - Google Patents
Payment risk management system based on block chain Download PDFInfo
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- CN111709743B CN111709743B CN202010501513.6A CN202010501513A CN111709743B CN 111709743 B CN111709743 B CN 111709743B CN 202010501513 A CN202010501513 A CN 202010501513A CN 111709743 B CN111709743 B CN 111709743B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
Abstract
The invention discloses a payment risk management system based on a block chain, which comprises an identity login system, a risk estimation module, an identity recognition module and a regional chain payment management system, wherein the identity login system is respectively connected with the risk estimation module, the identity recognition module and the regional chain payment management system through a wireless network, and the output ends of the risk estimation module and the identity recognition module are respectively connected with two input ends of the regional chain payment management system. This payment risk management system based on block chain, at first this system can be collected user's information, judge the risk level by data integration module, improve the accuracy of grading, identity login system can log in the management to personal identity information, when face identification and fingerprint identification dual verification, improved the security of payment, the temporary storage is carried out to the money to the module of depositing of money simultaneously, can avoid the condition of account transfer mistake or receiving the fraud to appear, reducible user's loss.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a payment risk management system based on a block chain.
Background
Blockchains are a term of art in information technology. In essence, the system is a shared database, and the data or information stored in the shared database has the characteristics of 'unforgeability', 'whole-course trace', 'traceability', 'public transparency', 'collective maintenance', and the like. Based on the characteristics, the block chain technology lays a solid 'trust' foundation, creates a reliable 'cooperation' mechanism and has wide application prospect.
However, the conventional payment management system has a relatively single source for acquiring information, which is not favorable for comprehensively judging payment risks, and the improvement of the payment risks of users affects the safety of system use.
Disclosure of Invention
The invention aims to provide a payment risk management system based on a block chain, which aims to solve the problems that the conventional payment management system in the background art has a single information acquisition source, is not beneficial to comprehensively judging payment risks and influences the use safety of the system due to the improvement of the payment risks of users.
In order to achieve the purpose, the invention provides the following technical scheme: a payment risk management system based on a block chain comprises an identity login system, a risk estimation module, an identity recognition module and a regional chain payment management system, wherein the identity login system is respectively connected with the risk estimation module, the identity recognition module and the regional chain payment management system through a wireless network, and the output ends of the risk estimation module and the identity recognition module are respectively connected with two input ends of the regional chain payment management system;
the regional chain payment management system comprises a data integration module, a money temporary storage module, a position positioning module and a transaction confirmation module, wherein:
the data integration module: the module can integrate and optimize the information transmitted by the risk estimation module, then establish a risk reliability matrix, calculate the comprehensive risk reliability and quantify the comprehensive risk, score according to the grades, divide the corresponding users into the grades according to the scores, facilitate management, and generate data analysis and risk reports;
money temporary storage module: the module can temporarily store the money amount of the transaction, the default time of the storage is 24 hours, the storage time can be selectively modified by a user, the maximum time is 72 hours, a money cancelling unit and a default recording unit are included in the money temporary storage module, the money cancelling unit can be used for initiating an application for cancelling the transaction by the user, after the application is passed, both parties are informed of the cancellation of the transaction by a short message, the default recording unit records the users of both parties cancelling the money, and the users of both parties cancelling the money for many times can improve risk scoring;
a position location module: the module can position and record the position of a user during transaction, generate data and store the data in the module, and the module can compare the data with the previous position data during each transaction, so that if the transaction position changes far in a short time, the risk score of the user can be improved;
a transaction confirmation module: the module comprises a short message notification unit, a manual notification unit and a limit confirmation unit, and can ensure that the transaction can be known by a user; the short message informing unit sends the amount and the content of each transaction of the user to the mobile phone of the user mainly in a short message mode, the manual informing unit informs the user by manually dialing a telephone when the transaction frequency and the transaction amount of the user exceed the default number, the transaction content is confirmed, the amount confirming unit can modify and confirm the transaction frequency and the transaction amount which are set by the default of the user, the amount can be automatically modified by the user without an upper limit within one month, and the amount can be manually confirmed by a customer service.
Preferably, the risk estimation module comprises an account duration counting unit, a transaction amount counting unit, a position counting unit and a transaction frequency counting unit, and is mainly used for counting account duration, transaction amount position and transaction frequency of a user, generating a report and sending the report to the data integration module.
Preferably, the identity recognition module comprises a face recognition module and a fingerprint recognition module, and the two modules can log in the regional chain payment management system through the face recognition module and the fingerprint recognition module, so that fingerprint embezzlement is avoided.
Preferably, the identity login system is an APP in a mobile phone end or a PC end.
Preferably, the identity login system internally comprises login authentication management and personal information uploading.
Compared with the prior art, the invention has the beneficial effects that: this payment risk management system based on block chain, at first this system can be collected user's information, judge the risk level by the data integration module, improve the accuracy of grading, identity login system can log in the management to personal identity information, when face identification and fingerprint identification dual verification, has improved the security of payment, and the temporary storage of module is carried out the fund to the fund of money temporary storage simultaneously, can avoid account transfer mistake or receive the condition of fraud to appear, reducible user's loss.
And thirdly, after the system receives the transaction, the system can inform the user in time, and the accuracy of the transaction is confirmed by a short message method and a manual method, so that the intervention degree of the system to the transaction is further improved, and the practicability of the system is increased.
Drawings
FIG. 1 is a schematic diagram of the system of the present invention;
FIG. 2 is a schematic flow diagram of the system of the present invention;
FIG. 3 is a schematic diagram of the interior of a risk estimation module according to the present invention;
FIG. 4 is an internal schematic view of a transaction verification unit according to the present invention;
fig. 5 is a schematic diagram of the interior of the money temporary storage unit according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
Referring to fig. 1-5, the present invention provides a technical solution: a payment risk management system based on a block chain comprises an identity login system, a risk estimation module, an identity recognition module and a regional chain payment management system, wherein the identity login system is respectively connected with the risk estimation module, the identity recognition module and the regional chain payment management system through a wireless network, and the output ends of the risk estimation module and the identity recognition module are respectively connected with two input ends of the regional chain payment management system;
the regional chain payment management system comprises a data integration module, a money temporary storage module, a position positioning module and a transaction confirmation module, wherein:
the data integration module: the module can integrate and optimize the information transmitted by the risk estimation module, then establish a risk reliability matrix, calculate the comprehensive risk reliability and quantify the comprehensive risk, score according to the grade, divide the corresponding users into each grade according to the score, and facilitate management so as to generate data analysis and a risk report;
money temporary storage module: the module can temporarily store the money amount of the transaction, the default time of the storage is 24 hours, the storage time can be selectively modified by a user, the maximum time is 72 hours, a money cancelling unit and a default recording unit are included in the money temporary storage module, the money cancelling unit can be used for initiating an application for cancelling the transaction by the user, after the application is passed, both parties are informed of the cancellation of the transaction by a short message, the default recording unit records the users of both parties cancelling the money, and the users of both parties cancelling the money for many times can improve risk scoring;
a position positioning module: the module can position and record the position of the user during transaction, generate data and store the data in the module, and the module can compare the data with the previous position data during each transaction, and if the transaction position changes far in a short time, the risk score of the user can be improved;
a transaction confirmation module: the module comprises a short message notification unit, a manual notification unit and a limit confirmation unit, and can ensure that the transaction can be known by a user; the short message informing unit sends the amount and the content of each transaction of the user to the mobile phone of the user mainly in a short message mode, the manual informing unit informs the user by manually dialing a telephone when the transaction frequency and the transaction amount of the user exceed the default number, the transaction content is confirmed, the amount confirming unit can modify and confirm the transaction frequency and the transaction amount which are set by the default of the user, the amount can be automatically modified by the user without an upper limit within one month, and the amount can be manually confirmed by a customer service.
Preferably, the risk estimation module comprises an account duration counting unit, a transaction amount counting unit, a position counting unit and a transaction frequency counting unit, and is mainly used for counting account duration, transaction amount position and transaction frequency of a user, generating a report and sending the report to the data integration module.
Preferably, the identity recognition module comprises a face recognition module and a fingerprint recognition module, and the two modules can log in the regional chain payment management system through the face recognition module and the fingerprint recognition module, so that fingerprint embezzlement is avoided.
Preferably, the identity login system is an APP in a mobile phone terminal or a PC terminal.
Preferably, the identity login system internally comprises login authentication management and personal information uploading.
In the using process of the invention, a user firstly logs in an identity login system, enters a block chain payment management system through identity information verification, a risk estimation module estimates the transaction risk of the user, a data integration module can integrate and optimize the information transmitted by the risk estimation module, then a risk reliability matrix is established, the comprehensive risk reliability and the quantified comprehensive risk are calculated and graded according to grades, the corresponding user is divided into each grade according to the grading to be convenient to manage, so as to generate data analysis and risk report, then a money temporary storage module inquires whether the user needs to temporarily store money, the module can temporarily store the amount of the transaction money, the storage default time is 24 hours, the storage time can be selectively modified by the user, the longest storage time is 72 hours, a money canceling unit and a default recording unit are included in the money temporary storage module, the money canceling unit can be used for initiating an application for canceling the transaction by a user, after the application is passed, both parties are informed of canceling the transaction by a short message, the default recording unit records both parties of the money canceling, both parties of the money canceling can improve the risk score, the current user position can be directly positioned and recorded without temporary storage, the position positioning module can position and record the position of the user during transaction and generate data to be stored in the module, and during each transaction, the module will compare with previous location data, such as a transaction location that changed far in a short period of time, the risk score of the user is increased and then the transaction confirmation module sends information to the user to confirm the quota if the quota exceeds the quota selected by the user, the manual notification unit is used for notifying the telephone to finally complete the payment of the transaction money, so that the transaction can be ensured to be known by the user; the short message informing unit mainly sends the amount and the content of each transaction of the user to a mobile phone of the user in a short message mode, the manual informing unit informs the user by manually dialing a telephone when the transaction frequency and the transaction amount of the user exceed the default number, the transaction content is confirmed, the amount confirming unit can modify and confirm the transaction frequency and the transaction amount which are set by the default of the user, the amount can be modified by the user independently, no upper limit exists in one month, and the amount must be confirmed manually by a customer service.
In summary, the following steps: this payment risk management system based on block chain, at first this system can be collected user's information, judge the risk level by the data integration module, improve the accuracy of grading, identity login system can log in the management to personal identity information, when face identification and fingerprint identification dual verification, has improved the security of payment, and the temporary storage of module is carried out the fund to the fund of money temporary storage simultaneously, can avoid account transfer mistake or receive the condition of fraud to appear, reducible user's loss.
And thirdly, after the system receives the transaction, the system can inform the user in time, and the accuracy of the transaction is confirmed by a short message method and a manual method, so that the intervention degree of the system to the transaction is further improved, and the practicability of the system is increased.
It should be noted that, in this document, relational terms such as first and second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus.
Although embodiments of the present invention have been shown and described, it will be appreciated by those skilled in the art that various changes, modifications, substitutions and alterations can be made in these embodiments without departing from the principles and spirit of the invention, the scope of which is defined in the appended claims and their equivalents.
Claims (5)
1. The utility model provides a payment risk management system based on block chain, includes identity login system, risk estimation module, identity identification module and regional chain payment management system, its characterized in that: the identity login system is respectively connected with the risk estimation module, the identity recognition module and the regional chain payment management system through a wireless network, and the output ends of the risk estimation module and the identity recognition module are respectively connected with two input ends of the regional chain payment management system;
the regional chain payment management system comprises a data integration module, a money temporary storage module, a position positioning module and a transaction confirmation module, wherein:
the data integration module: the module can integrate and optimize the information transmitted by the risk estimation module, then establish a risk reliability matrix, calculate the comprehensive risk reliability and quantify the comprehensive risk, score according to the grade, divide the corresponding users into each grade according to the score, and facilitate management so as to generate data analysis and a risk report;
money temporary storage module: the module can temporarily store the money amount of the transaction, the default storage time is 24 hours, the storage time can be selectively modified by a user, the longest storage time is 72 hours, the money temporary storage module comprises a money canceling unit and a default recording unit, the money canceling unit can initiate an application for canceling the transaction by the user, after the application is passed, the user is informed that the transaction is cancelled by a short message, the default recording unit records the user of the money cancellation of the user of the money of the user of the transaction, the user of the payment, the user of the payment, the user of the payment, the user of the payment, the user of the payment, the user of the payment, the user of the payment, the user of the;
a position positioning module: the module can position and record the position of the user during transaction, generate data and store the data in the module, and the module can compare the data with the previous position data during each transaction, and if the transaction position changes far in a short time, the risk score of the user can be improved;
a transaction confirmation module: the module comprises a short message notification unit, a manual notification unit and a limit confirmation unit, and can ensure that the transaction can be known by a user; the short message informing unit sends the amount and the content of each transaction of the user to the mobile phone of the user mainly in a short message mode, the manual informing unit informs the user by manually dialing a telephone when the transaction frequency and the transaction amount of the user exceed the default number, the transaction content is confirmed, the amount confirming unit can modify and confirm the transaction frequency and the transaction amount which are set by the default of the user, the amount can be automatically modified by the user without an upper limit within one month, and the amount can be manually confirmed by a customer service.
2. The system according to claim 1, wherein the system comprises: the risk estimation module comprises an account duration counting unit, a transaction amount counting unit, a position counting unit and a transaction frequency counting unit, and is mainly used for counting account duration, transaction amount position and transaction frequency of a user, generating a report and sending the report to the data integration module.
3. The system according to claim 1, wherein the system comprises: the identity recognition module comprises a face recognition module and a fingerprint recognition module, and the two modules can log in the regional chain payment management system through the face recognition module and the fingerprint recognition module, so that fingerprint embezzlement is avoided.
4. The system according to claim 1, wherein the system comprises: the identity login system is an APP in a mobile phone end or a PC end.
5. The system of claim 1, wherein the identity login system comprises login authentication management and personal information uploading.
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Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296187A (en) * | 2015-06-03 | 2017-01-04 | 深圳卡通新技术有限公司 | A kind of electronic payment safety control method and system |
| CN109345248A (en) * | 2018-10-26 | 2019-02-15 | 莫毓昌 | A kind of block chain payment risk management system |
| CN109447647A (en) * | 2018-11-19 | 2019-03-08 | 上海趣链信息科技有限公司 | A kind of safety payment system based on block chain |
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Patent Citations (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106296187A (en) * | 2015-06-03 | 2017-01-04 | 深圳卡通新技术有限公司 | A kind of electronic payment safety control method and system |
| CN109345248A (en) * | 2018-10-26 | 2019-02-15 | 莫毓昌 | A kind of block chain payment risk management system |
| CN109447647A (en) * | 2018-11-19 | 2019-03-08 | 上海趣链信息科技有限公司 | A kind of safety payment system based on block chain |
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