CN112308551B - Digital asset information acquisition device and digital asset information acquisition method - Google Patents
Digital asset information acquisition device and digital asset information acquisition method Download PDFInfo
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- CN112308551B CN112308551B CN202010366281.8A CN202010366281A CN112308551B CN 112308551 B CN112308551 B CN 112308551B CN 202010366281 A CN202010366281 A CN 202010366281A CN 112308551 B CN112308551 B CN 112308551B
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3227—Aspects of commerce using mobile devices [M-devices] using secure elements embedded in M-devices
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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
Abstract
The present invention relates to a digital asset acquisition device for acquiring digital asset information from a number of digital asset information sources, comprising: the system comprises a digital asset information source identity recognition module, an information acquisition module, a user identity recognition module, a digital asset information processing module and an input module, wherein the user identity recognition module is connected with a corresponding identity database. The digital asset acquisition device can judge the identity of a user and the authenticity of the used digital asset information source, and in the case that the identity of the user and the authenticity of the used digital asset information source are judged, the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user. The invention also relates to a corresponding digital asset acquisition method.
Description
Technical Field
The present invention relates to a digital asset information collection device and a digital asset information collection method, and in particular, by which digital asset information from a plurality of digital asset information sources of a user can be commonly used for evaluating user credits.
Background
In the prior art, there are methods for using a digital asset of a user's single digital asset information source to evaluate the user's credit. For example, in the process that the user obtains the treasured of charging through sharing the treasured of charging device, the merchant can be through utilizing the user digital asset information that pays treasured or little letter payment feedback to evaluate user's credit/risk level, if the user reaches certain credit level, the merchant can decide that the user can not pay the deposit in the process of obtaining the treasured of charging, or if the user reaches certain risk level, the merchant can decide that the user can not pay the deposit in the process of obtaining the treasured of charging. However, this approach has drawbacks, such as that the merchant simply uses the returned results provided by a party digital asset information source and does not reflect the user's credit/risk level in a comprehensive and accurate manner. For example, a WeChat payment depth user, rarely uses a payment treasures to pay funds, cannot accurately obtain the credit rating of the user if the merchant only intervenes in the payment treasures' associated credit services. Meanwhile, if the merchant only uses feedback information of a certain party, the personalized risk policy integration is difficult to be performed according to single data.
In addition, in the prior art, there is a method for collecting data by a screen recording mode or a manual mode, and the collected data is arranged, analyzed and used according to specific scenes. The disadvantage of this method is that the authenticity of the digital information source and the acquired data cannot be guaranteed. For example, when the user is data-collected by a screen-recording method, the user/potential fraudster may simulate a false source of digital asset information (e.g., a WeChat-like application) writing a high credit. Merchants cannot resolve the authenticity of the information, resulting in collected dirty data that adversely affects the correct decisions for risk control.
Disclosure of Invention
The invention aims to provide an advantageous digital asset information acquisition device and a digital asset information acquisition method, by which the authenticity of a digital asset information source can be ensured and the authenticity of a user identity can be judged when digital information acquisition is carried out, so that the acquired digital asset information in the digital asset information source is ensured to be the real digital asset information of the user. And the device and the method can collect and collect the digital asset information (such as credit score or credit data) scattered by the user on each digital asset information source, and can reflect the credit condition of the user more accurately through the subsequent integration processing.
To this end, the present invention provides a digital asset information collection device for collecting digital asset information from a number of digital asset information sources, comprising a digital asset information source identification module for establishing a transaction or transaction request between the digital asset information collection device and one or more digital asset information sources having a randomly generated transaction amount. For example, a randomly specified amount of transactions may be sent to a digital asset source such as a WeChat, payment Pond, etc. application by a digital asset source identification module, completed by a user, or by sending instructions to the user to complete a randomly specified amount of transactions through a particular digital asset source, and then generating relevant information about the randomly specified amount of transactions, such as a transaction record or transaction request record. For example, the transaction or transaction request may be to transfer funds of a randomly specified amount into a WeChat payment account of the user, or instruct the user to initiate a payment request of a type locally, invoking a digital asset information source of an application such as WeChat. By establishing a transaction or transaction request between the digital asset information collection device and one or more digital asset information sources with a randomly generated transaction amount, the occurrence of counterfeit transactions can be effectively prevented. And in this way specific key transaction information can be generated for different digital asset information sources to distinguish between the different digital asset information sources.
In the digital asset information collection device according to the present invention, the established transaction or transaction request between the digital asset information collection device and the digital asset information source includes any one of the following means:
transferring funds to the digital asset information source, for example, transferring a certain amount of funds to the digital asset information source of the user by the merchant, for example, collecting money paid by the merchant by the user through WeChat and payment bank;
sending a funds transfer request to the digital asset information source, for example, a merchant can request a user to transfer funds to a certain amount from the digital asset information source, and at the moment, the digital asset information source of the user should receive the funds transfer request sent by the merchant, for example, the user sends WeChat, payment treasures and the like to pay to the merchant;
the fund payment to the third party is completed through the digital asset information source, for example, the user calls the digital asset information source to pay certain guarantee (water charge, electricity charge, mobile phone communication charge and other forms) to the third party;
and invoking a class payment request of the digital asset information source, for example, a class payment request sent by other APP to the digital asset information source, such as a class payment request sent by a user when the user purchases goods through the American group APP and the American group invokes the micro message interface.
It should be noted that if funds are paid to a third party by a digital asset information source, then the authenticity is determined by whether the amount paid corresponds to a randomly specified amount, it is also necessary to ensure the authenticity of the third party client. Thus, the third party here should be an authenticated third party. The authenticity of the third party can be judged by comparing the transaction data provided by the third party and received by the digital asset information acquisition device in real time with the randomly designated transaction data.
In addition, the digital asset information acquisition device according to the present invention further comprises an information acquisition module for acquiring a transaction record or a transaction request record, user identity information, digital asset information, etc. in the digital asset information source displayed by the user. For example, the transaction record or transaction request record, the user identity information, the digital asset information and the like can be displayed by means of intelligent POS machine screen recording acquisition, automatic uploading screen recording by a user client, manual reading and the like.
Preferably, the information acquisition module is used for acquiring a plurality of key pages in the digital asset information source displayed by the user and identifying transaction records or transaction request records, user identity information and digital asset information displayed in the key pages. For example, the information acquisition module recognizes and grabs the page through AI technology such as OCR, and analyzes, extracts and records related information. In particular, the user or transaction party may be instructed to present specific transaction information, such as a recent transaction record or related transaction information for the randomly specified amount transaction described above.
The information acquisition module is further used for acquiring a randomly designated redundant page besides the key page, wherein the digital asset information processing module is used for inquiring the designated redundant page in the key page and the redundant page in the digital asset information source displayed by the user and acquired by the information acquisition module, and if the corresponding redundant page cannot be found, the digital asset information source is judged to be unreal.
For example, while the digital asset information processing module need only actually extract relevant information from the pages I, II, IX presented by the user, the digital asset information processing module may still redundantly specify one or more of the additional pages III, IV, VI, VII, VIII that the user presents or specifically gathers, such specification may be random, and the pages presented by the user must be able to contain at least those randomly specified pages. For example, in one process the user is required to present pages III, IV, VIII and in another process the user is required to present pages VI, VII, VIII, such that when the user does not present these specified pages in the corresponding operation, it can be determined that the digital asset information source being used is not authentic. Of course, the user may also be required to present the specified pages in sequence, not more or less.
In addition, the digital asset information acquisition device according to the invention further comprises a user identity recognition module for recognizing the user in a biometric manner and comparing with a corresponding identity database and recognizing the user identity. In particular, the identity database is stored in the digital asset information acquisition device or is a cloud database available for inquiry. User data in the identity database can also be extracted and stored in a local data mode through face recognition and the like. Preferably, the user may be identified by biometric means such as fingerprint recognition, face recognition, etc.
In addition, the digital asset information acquisition device according to the invention further comprises a digital asset information processing module, wherein the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identity recognition module with key transaction information in the transaction record or transaction request record acquired by the information acquisition module, and if the transaction or transaction request is consistent with the key transaction information in the transaction record or transaction request record, the authenticity of the used digital asset information source is judged. In addition, the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, and if the two are consistent, the authenticity of the user identity is judged. And if the identity of the user and the authenticity of the used digital asset information source are determined, recording the digital asset information in the digital asset information source acquired by the information acquisition module as the digital asset information of the user. Preferably, the key transaction information comprises transaction amount and transaction party information.
In this case, since the amount corresponding to the transaction record or the transaction request is randomly specified, the user/potential fraudulent party cannot randomly forge the false transaction or enter false transaction information in advance, and therefore, by comparing the transaction or the transaction request established by the digital asset information source identity recognition module with the key transaction information in the transaction record or the transaction request record acquired by the information acquisition module, different digital information sources can be effectively distinguished and the identity of each digital asset information source can be determined, so that the authenticity of the digital asset information source is ensured. The digital asset information acquisition device according to the invention also ensures the authenticity of the identity of the user and, in the case of ensuring the authenticity of the identity of the user who invokes the digital asset information source, the digital asset information of the user in a specific digital asset information source.
In one embodiment of the digital asset information collection device according to the present invention, the digital asset information processing module uses the digital asset information of the user from several digital asset information sources together for evaluating user credits. Because the digital asset information of the user in a particular digital asset information source can be determined, no distortion of the credit rating due to the use of a single digital asset information source can occur. Meanwhile, as digital asset information from different digital asset information sources can be obtained, merchants can realize personalized risk policy integration according to the relatively independent information, so that the flexibility, the authenticity and the reliability of credit/risk ratings are further improved.
In one embodiment of the digital asset information acquisition device according to the present invention, the digital asset information acquisition device further includes a screen recording module installed on the same device as the digital asset information source, wherein the screen recording module is configured to record screen display content and send the screen display content to the information acquisition module when a user operates the device where the digital asset information source is located, and the information acquisition module acquires, from the screen display content, a transaction record or a transaction request record in the digital asset information source presented by the user, user identity information, and digital asset information by means of image recognition.
In another embodiment of the digital asset information acquisition device according to the present invention, the digital asset information acquisition device further includes a screen recording module installed on the same device as the information acquisition module, wherein the screen recording module is configured to record screen display content and send the screen display content to the information acquisition module when a user operates the device where the digital asset information source is located, and the information acquisition module acquires, from the screen display content, a transaction record or a transaction request record in the digital asset information source, user identity information, and digital asset information, which are displayed by the user, by means of image recognition.
Because the recording screen has continuity, compared with other modes such as picture generation, the recording screen can better prevent the digital asset information recording process in the process of user tampering or forging. Preferably, the information collection device is capable of collecting or generating such time information as a time stamp to uniquely, unalterably record the recording time. In addition, the information acquisition device can preferably predefine a short time period and require the user to complete the operation of the equipment where the digital asset information source is located in the time period, and simultaneously record the screen. The difficulty of the digital asset information input process in the process of user tampering or counterfeiting can be further increased by recording time information or presetting a short operation time, because the user can hardly forge the time information or forge the information input process in a short time under the condition, thereby ensuring the authenticity of the carrier of the acquired information.
In one embodiment of the digital asset information collection device according to the present invention, the digital asset information collection device further comprises an input module adapted to input a transaction record or transaction request record, user identity information and digital asset information provided or presented by the user. By arranging the input module, the flexibility of information input can be increased, and the method is also beneficial to additionally inputting certain specific transaction information or verification information such as mobile phone verification codes and the like, so that the reliability of digital asset information source verification or user identity verification is further enhanced.
Preferably, when a user operates a device where the digital asset information source is located, the information acquisition module directly acquires a transaction record or a transaction request record, user identity information and digital asset information in the digital asset information source displayed by the user in a mode of inputting screen display content of the device through the input module.
In addition, the digital asset information processing module can also compare the transaction or transaction request established by the digital asset information source identity recognition module with key transaction information in the transaction record or transaction request record input by the input module, and if the two are consistent, the authenticity of the used digital asset information source is judged. In particular, the manner of inputting the screen display content of the device through the input module to acquire information can also be combined with the manner of acquiring information from the screen display content of the recording screen through the image recognition manner, and the two types of information are compared, so that the situation of error collection is reduced, and the accuracy of the collected user information is further increased.
At least two of the respective modules of the digital asset information processing device according to the present invention may be integrated into one body, or at least two of the respective modules may exist independently and communicate by wired or wireless means.
The invention also provides a digital asset information acquisition method, which utilizes the digital asset information acquisition device to acquire digital asset information from a plurality of digital asset information sources, and comprises the following steps:
-a step of establishing a transaction or transaction request, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established by means of the digital asset information source identification module;
-an information acquisition step in which a transaction record or transaction request record, user identity information and digital asset information in a digital asset information source presented by a user are acquired by means of an information acquisition module, preferably the information acquisition module is adapted to acquire a number of key pages in the digital asset information source presented by the user and to identify the transaction record or transaction request record, user identity information and digital asset information displayed in the key pages;
-a digital asset information source identification step in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the transaction record or key transaction information in the transaction request record obtained by the information acquisition module, and if both are consistent, determines that the digital asset information source used is authentic, otherwise determines that the digital asset information source used is not authentic, preferably that the key transaction information includes transaction amount and transaction party information;
-a user identity recognition step, in which the user is recognized in a biometric manner by means of a user identity recognition module and is compared with a corresponding identity database, and the user identity is recognized, and then the digital asset information processing module compares the recognized user identity with the user identity information acquired by the information acquisition module, and if the recognized user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is determined to be authentic, otherwise the user identity is determined to be not authentic, wherein the identity database is stored in the digital asset information acquisition device, or is a cloud database available for inquiry;
-if it is determined that both the user identity and the digital asset information source used are authentic, performing a recording digital asset information step in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
In particular, the digital asset information collection method further comprises the step of using digital asset information from several digital asset information sources of the user together by the digital asset information processing module for evaluating user credits.
In the digital asset information collection method according to the present invention, the established transaction or transaction request between the digital asset information collection device and the digital asset information source includes any one of the following means:
Transferring funds to the digital asset information source, e.g., a merchant transfers a certain amount of funds to the digital asset information source;
sending a funds transfer request to the digital asset information source, for example, a merchant may request that a user account under the digital asset information source transfer funds to a certain amount;
the fund payment to the third party is completed through the digital asset information source, for example, the user calls the digital asset information source to pay certain guarantee (other forms such as water charge, electricity charge and the like) to the third party;
a payment-like request is invoked for the digital asset information source.
In addition, the invention also provides a digital asset information acquisition method, which utilizes the digital asset information acquisition device to acquire digital asset information from a plurality of digital asset information sources, and comprises the following steps:
-a step of establishing a transaction or transaction request, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established by means of the digital asset information source identification module;
an information acquisition step, in which screen display content is recorded and sent to an information acquisition module by a screen recording module when a user operates equipment where a digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display content in an image recognition mode;
-a digital asset information source identification step in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the transaction record or key transaction information in the transaction request record obtained by the information acquisition module, and if the two are consistent, determines that the digital asset information source used is authentic, otherwise determines that the digital asset information source used is not authentic;
-a user identity recognition step, in which the user is recognized in a biometric manner by means of a user identity recognition module and compared with a corresponding identity database and the user identity is recognized, and then the digital asset information processing module compares the recognized user identity with the user identity information acquired by the information acquisition module, and if the recognized user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is determined to be authentic, otherwise the user identity is determined to be non-authentic;
if it is determined that the user identity and the digital asset information source used are both authentic, a step of recording digital asset information is performed in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
The invention also provides another digital asset information acquisition method, which acquires digital asset information from a plurality of digital asset information sources by using the digital asset information acquisition device, and comprises the following steps:
-a step of establishing a transaction or transaction request, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established by means of the digital asset information source identification module;
-an information acquisition step in which, when the user operates the device in which the digital asset information source is located, the information acquisition module directly acquires the transaction record or transaction request record, user identity information and digital asset information in the digital asset information source presented by the user in a manner that the input module inputs the screen display content of the device;
a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the transaction record or key transaction information in the transaction request record acquired by the information acquisition module, if the two are consistent, the digital asset information source used is judged to be real, otherwise, the digital asset information source used is judged to be non-real;
A user identity identification step, in which a user is identified in a biological characteristic mode through a user identity identification module, the user identity is compared with a corresponding identity database, the user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be real, otherwise, the user identity is judged to be non-real;
if it is determined that the user identity and the digital asset information source used are both authentic, a step of recording digital asset information is performed in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
The digital asset information collection method according to the present invention has the corresponding advantages as the digital asset information collection device described above and vice versa.
Drawings
Hereinafter, embodiments of the present invention will be described with reference to the accompanying drawings.
FIG. 1 illustrates a schematic diagram of one embodiment of a digital asset information processing device according to the present invention.
FIG. 2 shows a schematic flow chart diagram of one embodiment of a digital asset information processing method in accordance with the present invention.
In the drawings, the same or similar technical features have the same reference numerals.
Detailed Description
FIG. 1 illustrates a schematic diagram of one embodiment of a digital asset information collection device 100 in accordance with the present invention. The digital asset information collection device 100 is for collecting digital asset information from a number of digital asset information sources 102, and includes: a digital asset information source identity module 101, an information collection module 103, a user identity module 104, a digital asset information processing module 106, an input module 108, wherein the user identity module 104 is arranged to be connected to a corresponding identity database. Furthermore, a screen recording module 107 is provided for the information acquisition module 103, which in the case of the present embodiment is integrated in the information acquisition module 103.
Fig. 2 shows a schematic flow chart diagram of one embodiment of a digital asset information collection method according to the present invention. In this embodiment, the digital asset information collection method utilizes the digital asset information collection device 100 described above to collect digital asset information from several digital asset information sources 102, which includes the steps of: a transaction or transaction request establishing step S1, an information acquisition step S2, a digital asset information source identification step S3, a user identification step S4 and a digital asset information recording step S5. And in order to further analyze the credit rating of the user by using the collected digital asset information, the digital asset information collection method may further include a credit rating analysis step S6, a digital asset information source identity error result output step S7, and a user identity error result output step S8.
Hereinafter, a more specific embodiment of the present invention will be described with reference to fig. 1 and 2. For example, a merchant can obtain a reliable credit rating for a user using both a WeChat and a Payment device digital asset information source simultaneously through the digital asset information processing device 100 according to the present invention.
First, a merchant may obtain digital asset information of a user in a payment instrument through the digital asset information acquisition device 100.
In the establish transaction or transaction request step S1, the merchant may send funds to which a randomly generated amount is transferred to the user 'S account, such as a 10-element transfer to the user' S payment device account, through the digital asset information source identification module 101, i.e., a 10-element transaction is established between the digital asset information acquisition device 100 and the digital asset information source 102A, the user completes the transaction on the device at which the digital information source a is located, and thus a transaction record associated with the transaction is generated in the digital information source a. "10-ary" is a randomly generated amount by which the occurrence of counterfeit transactions can be effectively prevented by the randomness of the amount and the real-time nature of the transactions. Of course, establishing a transaction or transaction request is not limited to transferring a certain amount of funds to a payroll, but may include: sending a funds transfer request to the payment device, for example, the merchant may request that the user account under the payment device transfer funds to a certain amount; the payment of funds to the third party is completed through the payment device, for example, the user uses the payment device to pay certain guarantee (other forms such as water charge, electricity charge and the like) to the third party; other types of payment requests for the payment gateway are invoked.
Then, in the information collection step S2, the screen display content can be recorded and transmitted to the information collection module 103 by the screen recording module 107 when the user operates the device where the payment instrument is located. The user may be required to operate the device to display the interface in which the transaction records, user identity information, digital asset information, etc. are displayed in the payment instrument within a short period of time specified in advance, while the screen recording is performed. The information acquisition module 103 can acquire the transaction record about 10-element in the payment treasures displayed by the user, the user identity information (including payment treasures account numbers, real name information, account two-dimensional codes and the like) and the digital asset information (such as sesame credit and the like) from the screen display content in an image recognition mode. Because the recording screen has continuity, compared with other modes such as picture generation, the recording screen can better prevent the digital asset information from being input or generated in the process of user tampering or forging. The difficulty of the digital asset information entry or generation process in the user's falsification or falsification can be further increased by predefining a shorter operation time, because the user has difficulty falsifying in a shorter time in this case, ensuring the authenticity of the carrier of the acquired information.
Of course, in the information collection step S2, the collection of the key information is not limited to the screen recording manner, and the user may display the transaction record or the transaction request record, the user identity information and the digital asset information in the payment device in a manner of screenshot of a mobile phone or the like, and may obtain several key pages of the payment device displayed by the user and identify the transaction record or the transaction request record, the user identity information and the digital asset information displayed in the key pages through the information collection module 103. Another information collection method is also possible, where the information collection module 103 can directly obtain the transaction record or transaction request record, user identity information, and digital asset information in the payment device presented by the user in a manner that the screen display content of the device is input through the input module 108. By arranging the input module, the flexibility of information input can be increased, and the method is also beneficial to additionally inputting certain specific transaction information or verification information such as mobile phone verification codes and the like, so that the reliability of digital asset information source verification or user identity verification is further enhanced.
Then, in the digital asset information source identification step S3, the digital asset information processing module 106 compares the "10-element" random amount transaction established by the digital asset information source identification module with the key transaction information of the transaction record acquired by the information acquisition module 103, where the key transaction information may include transaction amount and transaction party information; if the two are in agreement, it is determined that the source of the digital asset information used by the user is a payment treasury (i.e., the source of the digital asset information used is authentic), and the next step S4 is continued, and if the two are not in agreement, it is determined that the source of the digital asset information used by the user is not a payment treasury (the source of the digital asset information used is not authentic). Because the 10-element is randomly generated amount and the transaction also occurs in real time, the user can hardly forge the transaction, and the acquired information is reliable due to the application of information acquisition modes such as recording and the like. Therefore, in the case that the "10-element" random amount transaction established by the digital asset information source identification module is consistent with the key transaction information of the transaction record acquired by the information acquisition module 103, it can be ensured that the digital asset information source used by the user is a payment instrument.
If it is determined in step S3 that the digital asset source identity used is not authentic, a digital asset source error result may be output in step S8 and the merchant may be alerted to terminate the transaction or to indicate that the transaction is at risk. The digital asset information source identity error result can also be applied to further user credit rating analysis, so that more reliable and real user credit rating analysis can be obtained.
Then, in the step S4 of identifying the user identity, the user identity is identified by the user identity identifying module 104, for example, in a face recognition manner, and compared with the corresponding identity database, and the identified user identity is then compared with the user identity information acquired by the information acquisition module 103 by the digital asset information processing module 106, if the two are consistent, the user identity is determined to be true, otherwise, the user identity is determined to be non-true.
If it is determined in step S4 that the user identity used is not authentic, a user identity error result may be output in step S9, and the merchant may be alerted to terminate the transaction or to indicate that the transaction is at risk. The user identity error result can also be applied to further user credit rating analysis, so that more reliable and real user credit rating analysis can be obtained.
It should be noted that step S3 and step S4 are not limited in order.
In the digital asset information recording step S5, if it is determined that the user identity is authentic and it is also determined that the digital production information source used by the user is a payment instrument, the digital asset information such as sesame credit or the like acquired by the information acquisition module is recorded as the digital asset information of the user on the payment instrument.
Similarly, through steps S1-S5 described above, the merchant may obtain digital asset information (e.g., "payment points") of the user in the WeChat via digital asset information collection device 100.
In a credit rating analysis step S6, the user 'S digital asset information from the if pay treasures and WeChat may be used together by the digital asset information processing module 106 to evaluate the user' S credit. Since the digital asset information of the user in the WeChat and the Payment device can be determined separately, there is no credit rating distortion caused by simply acquiring the digital asset information from the Payment device or WeChat alone. Meanwhile, as digital asset information from WeChat and payment treasures can be obtained simultaneously, merchants can integrate personalized risk strategies according to the relatively independent information, so that the flexibility, the authenticity and the reliability of credit/risk ratings are further improved.
The foregoing describes preferred embodiments of the invention, but the spirit and scope of the invention is not limited to the specific disclosure herein. Those skilled in the art can make any combination and extension of the above embodiments according to the teachings of the present invention to make further embodiments and applications within the spirit and scope of the present invention. The spirit and scope of the present invention are not limited by the specific embodiments, but by the appended claims.
Reference numerals
100. Digital asset information acquisition device
101. Digital asset information source identity recognition module
102. Digital asset information source
103. Information acquisition module
104. User identity recognition module
105. Corresponding identity database
106. Digital asset information processing module
107. Screen recording module
108. Input module
S1, establishing a transaction or transaction request step
S2 information acquisition step
S3 digital asset information source identity recognition step
S4 user identity recognition step
S5 digital asset information recording step
S6 credit rating analysis step
S7, outputting identity error result of digital asset information source
S8, outputting user identity error result
Claims (21)
1. A digital asset information collection device for collecting digital asset information from a plurality of digital asset information sources, comprising:
A digital asset information source identity module for establishing a transaction or transaction request between the digital asset information collection device and the digital asset information source having a randomly generated transaction amount;
the information acquisition module is used for acquiring transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by a user;
the user identity recognition module is used for recognizing a user in a biological characteristic mode, comparing the user with a corresponding identity database and recognizing the identity of the user; and
a digital asset information processing module configured to process the digital asset information,
the digital asset information processing module compares the key transaction information in the transaction or transaction request established by the digital asset information source identity recognition module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, and if the key transaction information is consistent with the key transaction information in the transaction record or transaction request record, the authenticity of the used digital asset information source is judged, wherein the key transaction information comprises transaction amount and transaction party information;
The digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, and if the user identity information is consistent with the user identity information, the authenticity of the user identity is judged;
wherein if the identity of the user and the authenticity of the used digital asset information source are determined, the digital asset information in the digital asset information source acquired by the information acquisition module is recorded as the digital asset information of the user.
2. The digital asset information collection device of claim 1 wherein the digital asset information processing module uses the digital asset information of the user from a plurality of digital asset information sources together for evaluating user credits.
3. The digital asset information collection device of claim 1 or 2, wherein the established transaction or transaction request between the digital asset information collection device and the digital asset information source comprises any one of the following:
transferring funds to the digital asset information source;
sending a fund transfer request to the digital asset information source;
completing funds payment to a third party through the digital asset information source;
Invoking a payment-like request of the digital asset information source.
4. The digital asset information collection device of claim 1, wherein,
the identity database is stored in the digital asset information acquisition device or is a cloud database for inquiry.
5. The digital asset information collection device of claim 1, wherein,
the information acquisition module is used for acquiring a plurality of key pages in the digital asset information source displayed by a user and identifying transaction records or transaction request records, user identity information and digital asset information displayed in the key pages.
6. The digital asset information collection device of claim 5, wherein,
the information acquisition module is further used for acquiring a randomly designated redundant page besides the key page, wherein the digital asset information processing module is used for inquiring the designated redundant page in the key page and the redundant page in the digital asset information source displayed by the user and acquired by the information acquisition module, and if the corresponding redundant page cannot be found, the digital asset information source is judged to be unreal.
7. The digital asset information collection device of claim 5 or 6, wherein,
the digital asset information acquisition device further comprises a screen recording module which is arranged on the same device with the digital asset information source, wherein the screen recording module is used for recording screen display content and sending the screen display content to the information acquisition module when a user operates the device where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display content in an image identification mode.
8. The digital asset information collection device of claim 5 or 6, wherein,
the digital asset information acquisition device also comprises a screen recording module which is arranged on the same equipment with the information acquisition module, wherein the screen recording module is used for recording screen display content and sending the screen display content to the information acquisition module when a user operates the equipment where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display content in an image identification mode.
9. The digital asset information collection device of claim 1, wherein,
the digital asset information acquisition device further comprises an input module, wherein the input module is suitable for inputting transaction records or transaction request records, user identity information and digital asset information provided or displayed by a user.
10. The digital asset information collection device of claim 9, wherein,
when a user operates the equipment where the digital asset information source is located, the information acquisition module directly acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user in a mode that the screen display content of the equipment is input through the input module.
11. The digital asset information collection device of claim 9, wherein,
the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identity recognition module with key transaction information in the transaction record or transaction request record input by the input module, and if the transaction or transaction request is consistent with the key transaction information in the transaction record or transaction request record, the authenticity of the used digital asset information source is judged.
12. The digital asset information collection device of claim 9, wherein,
the user identity recognition module can recognize the user through fingerprint recognition, face recognition and other modes.
13. A digital asset information collection method for collecting digital asset information from a plurality of digital asset information sources using the digital asset information collection device according to any one of claims 1 to 6, comprising the steps of:
a transaction or transaction request establishing step, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identification module;
an information acquisition step, wherein the information acquisition module is used for acquiring transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by a user;
a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the two are consistent, the digital asset information source is judged to be real, otherwise, the digital asset information source is judged to be non-real;
A user identity identification step, in which a user is identified in a biological characteristic manner through a user identity identification module, the user identity is compared with a corresponding identity database, and the user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be true, otherwise, the user identity is judged to be non-true;
if it is determined that both the user identity and the digital asset information source used are authentic, a step of recording digital asset information is performed in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
14. The digital asset information collection method of claim 13, further comprising the step of using digital asset information from a plurality of digital asset information sources of the user in common by the digital asset information processing module to evaluate user credits.
15. A digital asset information collection method according to claim 13 or 14, wherein the established transaction or transaction request between the digital asset information collection device and the digital asset information source comprises any one of the following means:
Transferring funds to the digital asset information source;
sending a fund transfer request to the digital asset information source;
completing funds payment to a third party through the digital asset information source;
invoking a payment-like request of the digital asset information source.
16. The method of claim 13 or 14, wherein the key transaction information includes transaction amount and transaction party information.
17. The method according to claim 13 or 14, wherein the identity database is stored in the digital asset information collection device or is a cloud database available for query.
18. The method of claim 12, wherein,
the information acquisition module is used for acquiring a plurality of key pages in the digital asset information source displayed by a user and identifying transaction records or transaction request records, user identity information and digital asset information displayed in the key pages.
19. The digital asset information collection method according to claim 18, wherein the information collection module is further configured to obtain a randomly specified redundant page in addition to the key page, wherein the digital asset information processing module queries the specified redundant page in the key page and the redundant page in the digital asset information source displayed by the user and obtained by the information collection module, and if the corresponding redundant page cannot be found, determines that the digital asset information source used is not real.
20. A digital asset information collection method for collecting digital asset information from a plurality of digital asset information sources using the digital asset information collection device of claim 7 or 8, comprising the steps of:
a transaction or transaction request establishing step, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identification module;
an information acquisition step, in which screen display content is recorded and sent to the information acquisition module by the screen recording module when a user operates equipment where the digital asset information source is located, and the information acquisition module acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user from the screen display content in an image recognition mode;
a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the two are consistent, the digital asset information source is judged to be real, otherwise, the digital asset information source is judged to be non-real;
A user identity identification step, in which a user is identified in a biological characteristic manner through a user identity identification module, the user identity is compared with a corresponding identity database, and the user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be true, otherwise, the user identity is judged to be non-true;
if it is determined that both the user identity and the digital asset information source used are authentic, a step of recording digital asset information is performed in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
21. A digital asset information collection method for collecting digital asset information from a number of digital asset information sources using the digital asset information collection device according to any one of claims 9 to 11, comprising the steps of:
a transaction or transaction request establishing step, in which a transaction or transaction request with a randomly generated transaction amount between the digital asset information acquisition device and the digital asset information source is established through the digital asset information source identification module;
An information acquisition step, in which when a user operates equipment where the digital asset information source is located, the information acquisition module directly acquires transaction records or transaction request records, user identity information and digital asset information in the digital asset information source displayed by the user in a mode of inputting screen display content of the equipment through the input module;
a digital asset information source identification step, in which the digital asset information processing module compares the transaction or transaction request established by the digital asset information source identification module with the key transaction information in the transaction record or transaction request record acquired by the information acquisition module, if the two are consistent, the digital asset information source is judged to be real, otherwise, the digital asset information source is judged to be non-real;
a user identity identification step, in which a user is identified in a biological characteristic manner through a user identity identification module, the user identity is compared with a corresponding identity database, and the user identity is identified, then the digital asset information processing module compares the identified user identity with the user identity information acquired by the information acquisition module, if the identified user identity is consistent with the user identity information acquired by the information acquisition module, the user identity is judged to be true, otherwise, the user identity is judged to be non-true;
If it is determined that both the user identity and the digital asset information source used are authentic, a step of recording digital asset information is performed in which digital asset information in the digital asset information source acquired by the information acquisition module is recorded as digital asset information of the user.
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