CN113240420A - Financial encryption payment method and system based on big data - Google Patents
Financial encryption payment method and system based on big data Download PDFInfo
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Abstract
The invention provides a financial encryption payment method and a financial encryption payment system based on big data, which are characterized in that first payment information of a first user is obtained; obtaining a first transaction amount according to the first payment information; establishing a first transaction amount grade table; determining a first encryption level from a first transaction amount level table according to a first transaction amount; obtaining first transaction account information of a first user; obtaining a first deduction instruction; according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount; after the equal deduction is completed, generating first electronic transaction code information based on the big data information of cryptography according to the first encryption level; after the first electronic transaction code information is sent to the first user, a first operation command is obtained; according to the first operation command, the first user and the transaction counter side complete the first financial transaction through the first electronic transaction code, and the technical effect of improving the safety, stability and convenience of the payment mode is achieved.
Description
Technical Field
The invention relates to the technical field of finance, in particular to a financial encryption payment method and system based on big data.
Background
In the financial industry, because the data is sensitive, the encryption of the data is also paid more attention. Since the financial industry has a lot of data to be transmitted on the network, including from front-end to host, from self-service terminal to front-end, etc., the data flows among each other on the network, which easily causes security problems. Consequently, a wide variety of encryption and decryption techniques have also ensued. Pay-type encrypted asset representatives are bitcoin and ethernet. But because of the high volatility of prices and other relevant factors, payment-type encrypted assets behave quite generally as payment instruments.
However, the applicant of the present invention finds that the prior art has at least the following technical problems:
in the existing financial encryption payment method, the problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenient use exist.
Disclosure of Invention
The embodiment of the invention provides a financial encryption payment method and system based on big data, solves the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenience in use in the prior art, and achieves the technical effects of improving the expansibility, the reliability, the safety, the stability and the convenience of a payment mode and reducing the payment processing cost.
In view of the above problems, the present application is provided to provide a financial encryption payment method and system based on big data.
In a first aspect, the invention provides a financial encryption payment method based on big data, comprising the following steps: obtaining first payment information of a first user; obtaining a first transaction amount according to the first payment information; establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades; determining a first encryption level from the first transaction amount level table according to the first transaction amount; obtaining first transaction account information of the first user; obtaining a first deduction instruction; according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount; after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level; after the first electronic transaction code information is sent to the first user, a first operation command is obtained; and according to the first operation command, the first user and the transaction partner complete a first financial transaction through the first electronic transaction code.
In a second aspect, the present invention provides a big data based financial encrypted payment system, the system comprising:
a first obtaining unit, configured to obtain first payment information of a first user;
a second obtaining unit, configured to obtain a first transaction amount according to the first payment information;
the system comprises a first establishing unit, a second establishing unit and a third establishing unit, wherein the first establishing unit is used for establishing a first transaction amount grade table, the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption levels;
a first determining unit configured to determine a first encryption level from the first transaction amount level table according to the first transaction amount;
a third obtaining unit, configured to obtain first transaction account information of the first user;
a fourth obtaining unit, configured to obtain a first deduction instruction;
the first execution unit is used for carrying out equal deduction from the first transaction account according to the first deduction instruction and the first transaction amount;
the first generating unit is used for generating first electronic transaction code information based on the big data information of cryptography according to the first encryption level after the balance deduction is finished;
a fifth obtaining unit, configured to obtain a first operation command after sending the first electronic transaction code information to the first user;
and the second execution unit is used for enabling the first user and a transaction counterpart to complete a first financial transaction through the first electronic transaction code according to the first operation command.
In a third aspect, the present invention provides a big data based financial encrypted payment system comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor when executing the program implementing the steps of the method of any one of the preceding first aspects.
One or more technical solutions in the embodiments of the present application have at least one or more of the following technical effects:
according to the financial encryption payment method and system based on the big data, provided by the embodiment of the invention, the first payment information of a first user is obtained; obtaining a first transaction amount according to the first payment information; establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades; determining a first encryption level from the first transaction amount level table according to the first transaction amount; obtaining first transaction account information of the first user; obtaining a first deduction instruction; according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount; after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level; after the first electronic transaction code information is sent to the first user, a first operation command is obtained; according to the first operation command, the first user and the transaction counterpart complete the first financial transaction through the first electronic transaction code, so that the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenience in use in the prior art are solved, and the technical effects of improving the expansibility, the reliability, the safety, the stability and the convenience of a payment mode and reducing the payment processing cost are achieved.
The foregoing description is only an overview of the technical solutions of the present invention, and the embodiments of the present invention are described below in order to make the technical means of the present invention more clearly understood and to make the above and other objects, features, and advantages of the present invention more clearly understandable.
Drawings
FIG. 1 is a schematic flow chart illustrating a big data-based financial encryption payment method according to an embodiment of the present invention;
FIG. 2 is a schematic structural diagram of a big data-based financial encryption payment system according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of another exemplary electronic device in an embodiment of the present invention.
Description of reference numerals: a first obtaining unit 11, a second obtaining unit 12, a first establishing unit 13, a first determining unit 14, a third obtaining unit 15, a fourth obtaining unit 16, a first executing unit 17, a first generating unit 18, a fifth obtaining unit 19, a second executing unit 20, a bus 300, a receiver 301, a processor 302, a transmitter 303, a memory 304, and a bus interface 305.
Detailed Description
The embodiment of the invention provides a financial encryption payment method and system based on big data, which are used for solving the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenience in use in the prior art, and achieve the technical effects of improving the expansibility, the reliability, the safety, the stability and the convenience of a payment mode and reducing the payment processing cost.
Hereinafter, example embodiments according to the present application will be described in detail with reference to the accompanying drawings. It should be apparent that the described embodiments are merely some embodiments of the present application and not all embodiments of the present application, and it should be understood that the present application is not limited to the example embodiments described herein.
Summary of the application
In the financial industry, because the data is sensitive, the encryption of the data is also paid more attention. Since the financial industry has a lot of data to be transmitted on the network, including from front-end to host, from self-service terminal to front-end, etc., the data flows among each other on the network, which easily causes security problems. Consequently, a wide variety of encryption and decryption techniques have also ensued. Pay-type encrypted asset representatives are bitcoin and ethernet. But because of the high volatility of prices and other relevant factors, payment-type encrypted assets behave quite generally as payment instruments. The existing financial encryption payment method has the problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenience in use.
In order to solve the technical problems, the technical scheme provided by the invention has the following general idea:
the embodiment of the application provides a financial encryption payment method based on big data, which comprises the following steps: obtaining first payment information of a first user; obtaining a first transaction amount according to the first payment information; establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades; determining a first encryption level from the first transaction amount level table according to the first transaction amount; obtaining first transaction account information of the first user; obtaining a first deduction instruction; according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount; after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level; after the first electronic transaction code information is sent to the first user, a first operation command is obtained; and according to the first operation command, the first user and the transaction partner complete a first financial transaction through the first electronic transaction code.
After the fundamental principle of the present application is introduced, the technical solutions of the present invention are described in detail with reference to the accompanying drawings and specific embodiments, and it should be understood that the specific features in the embodiments and examples of the present application are detailed descriptions of the technical solutions of the present application, and are not limitations of the technical solutions of the present application, and the technical features in the embodiments and examples of the present application may be combined with each other without conflict.
Example one
Fig. 1 is a schematic flow chart of a financial encryption payment method based on big data according to an embodiment of the present invention. As shown in fig. 1, an embodiment of the present invention provides a financial encrypted payment method based on big data, where the method includes:
step 100: obtaining first payment information of a first user;
step 200: obtaining a first transaction amount according to the first payment information;
specifically, the first user may be an account such as an individual or a business entity, and is not limited in this embodiment. The first payment information is related information of the first user when the payment transaction is carried out, and includes but is not limited to user account information of the payment transaction, such as account opening time, transaction place, transaction time, an account of a transaction counterpart and the like.
Step 300: establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades;
further, in order to accurately establish the first transaction amount ranking table, step 300 of the embodiment of the present application further includes:
step 310: obtaining second transaction amounts and second payment attribute information of a plurality of customers;
step 320: determining first data information according to the second payment attribute information and the first weighting coefficient;
step 330: acquiring government regulatory information;
step 340: determining second data information according to the government regulation information and a second weighting coefficient;
step 350: inputting the second transaction amount, the first data information and the second data information into an encryption level judgment model, wherein the model is obtained by training multiple groups of training data, and each group of the multiple groups of training data comprises: the second transaction amount, the first data information, the second data information, and identification information identifying a first output result;
step 360: obtaining output information of the encryption level judgment model, wherein the output information comprises a first output result, and the first output result is an encryption level corresponding to a second transaction amount of the plurality of customers;
step 370: and establishing a first transaction amount grade table according to the first output result.
Specifically, through the first transaction amount grade list, the relationship between the transaction amount and the encryption grade can be quickly and accurately sorted and distinguished during payment processing, so that the accuracy and the working efficiency of the payment processing system can be improved, and the specific establishment mode is as follows: first, second transaction amounts and second payment attribute information of a plurality of clients can be obtained based on big data, the second transaction amount is a specific transaction number when each client pays, the second payment attribute is basic information when the transaction is carried out, for example, the transaction belongs to domestic transaction or overseas transaction, if the transaction needs to be transferred through a bank, the transaction belongs to the same bank transfer or cross bank transfer, and belongs to a personal account or a company account, and the like, for example, the demand of some accounts on payment encryption is high when the accounts are encrypted due to the particularity or confidentiality of the industry, and further, based on the second payment attribute information and a first weighting coefficient corresponding to the second payment attribute information, the first data information can be further determined, and the first data information is input information of an input model; furthermore, government supervision information is obtained, wherein the government supervision information is related management function policies of the government departments in the jurisdiction of the current transaction places on aspects of financial transactions, currency policies and the like, for governments, the primary goal of governments in management is to enable currency to be stable to a certain degree, stable development of financial industries can be realized by formulating and real-time currency policies, the financial industries can also be supervised, and then second data information can be determined through the government supervision information and a second weighting coefficient corresponding to the government supervision information, and the second data information is also input information of an input model; then, the second transaction amount, the first data information and the second data information can be input into the encryption level judgment model, and then a first output result can be obtained through the encryption level judgment model, the first output result at the moment is the encryption level corresponding to the second transaction amount of a plurality of clients, namely the encryption levels corresponding to the transaction amounts of different users can be output through the model, and then a first transaction amount grade table can be established through a large amount of data output by the model, so that a basis is provided for subsequently improving the accuracy of encrypted payment processing, meanwhile, the use convenience of the payment system is improved, and the problem of data security in the transaction process is avoided.
Furthermore, the training model is a neural network model in the machine learning model, and the machine learning model can continuously learn through a large amount of data, further continuously correct the model, and finally obtain satisfactory experience to process other data. The machine model is obtained by training a plurality of groups of training data, and the process of training the neural network model by the training data is essentially the process of supervised learning. The training model in the embodiment of the application is obtained by utilizing machine learning training through a plurality of groups of training data, and each group of training data in the plurality of groups comprises: the second transaction amount, the first data information, and the second data information, identification information identifying the first output result.
Wherein the identification information of the first output result is used as supervision data. And inputting the second transaction amount, the first data information and the second data information into each group of training data, and determining that the output information of the training model reaches a convergence state. Comparing the identification information of the first output result with the output result of the training model, and when the identification information of the first output result is consistent with the output result of the training model, finishing the supervised learning of the group of data and carrying out the supervised learning of the next group of data; when the output result is inconsistent with the identification information of the first output result of the identification, the training model carries out self-correction until the output result is consistent with the identification information of the first output result of the identification, the group of supervised learning is finished, and the next group of data supervised learning is carried out; and (4) through supervised learning of a large amount of data, enabling the output result of the machine learning model to reach a convergence state, and finishing the supervised learning. Through the process of supervising and learning the training model, the first output result output by the training model is more accurate, the accuracy and convenience degree of subsequent encrypted payment are achieved, the expansibility, the reliability, the safety and the stability of a payment mode are improved, and the payment processing cost is reduced.
Step 400: determining a first encryption level from the first transaction amount level table according to the first transaction amount;
specifically, after the first transaction amount level table is established, the first transaction amount level table can be quickly passed through to obtain the first encryption level corresponding to the larger amount of the first transaction amount, that is, the corresponding payment encryption levels for different users and different amounts of money also differ.
Step 500: obtaining first transaction account information of the first user;
further, in order to accurately obtain the first transaction account information of the first user, step 500 of this embodiment of the present application further includes:
step 510: acquiring a first binding account list according to the first payment information;
step 520: determining target account list information from the first bound account list according to the first payment amount;
step 530: after the target account list information is sent to the first user, second confirmation information of the first user is obtained;
step 540: and obtaining first transaction account information of the first user according to the second confirmation information.
Specifically, in the process of transaction payment, first transaction account information of a first user needs to be obtained, and the specific obtaining manner is as follows: according to the payment information of the user, a first bound account list can be determined, wherein the first bound account list is all related account information bound in the payment mode adopted by the user, for example, when the payment mode adopted by the user during shopping is Paibao, a plurality of bank cards or credit cards and the like of the user are bound under the account, and the wallet amount condition of the user under the account is also included, further, the transaction amount of the user is a first payment amount, the target account list information can be further determined from the first bound account list, the target account list information at the moment is a set of all accounts capable of meeting the current transaction amount of the user, and then the target account list information can be sent to the first user, so that after the first user browses the target account list information, the specific account to be settled can be determined accordingly, for example, the target account list information may be displayed to the first user in a pop-up window manner, so that after the user receives the message, a specific payment account may be selected, and therefore, after a specific selection item of the user, that is, the second confirmation information is obtained, the first transaction account information of the first user is obtained. For example, sometimes, when the user lines up for checkout, the account balance is not enough after the user inputs the payment password, which not only wastes the time of the user, but also affects other users, and even affects the harmony among people. Therefore, the technical effects that whether the balance of the account is met or not can not be known in advance by the user in the transaction process by confirming the first transaction account information of the user in advance, the transaction time is prolonged, and the transaction efficiency is reduced are achieved.
Step 600: obtaining a first deduction instruction;
step 700: according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount;
specifically, after the first transaction account information of the first user is confirmed, a first deduction instruction may be generated, and then a specific fee corresponding to the first transaction amount is deducted from the first transaction account through the payment system under the instruction of the deduction instruction, so as to subsequently realize payment settlement.
Step 800: after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level;
specifically, after a first transaction amount is deducted from a first transaction account, first electronic transaction code information can be generated according to a first encryption level, the first electronic transaction code information at the moment is related transaction information of current payment, that is, after the first transaction amount is deducted from the first transaction account, the first transaction amount can be extracted and fused with related information such as transaction time, transaction parties, transaction places and the like, and then the first electronic transaction code information is generated through a related encryption algorithm based on big data information of cryptography.
Step 900: after the first electronic transaction code information is sent to the first user, a first operation command is obtained;
step 1000: and according to the first operation command, the first user and the transaction partner complete a first financial transaction through the first electronic transaction code.
Specifically, after the first electronic transaction code information is generated, the first electronic transaction code information can be sent to the first user, then after the first operation command is generated, the first user and the transaction counterpart can safely and quickly complete the first financial transaction according to the first electronic transaction code according to the first operation command, further, when the user has the next transaction, the corresponding electronic transaction code can be provided by the method, that is, different electronic transaction codes can be timely and accurately generated for different payment transactions, so that the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenient use in the prior art are solved by providing the electronic transaction code with a higher safety factor in the transaction process, and the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenient use in the payment mode are solved, and the expansibility, the data and the data of the payment mode are improved, Reliability, safety, stability and convenience, and the technical effect of reducing the payment processing cost.
Further, in order to ensure the security of the first electronic transaction code information storage and improve the accuracy of the storage, step 800 in this embodiment of the present application further includes:
step 810: generating a first verification code according to the first electronic transaction code information, wherein the first verification code is in one-to-one correspondence with the first electronic transaction code information;
step 820: generating a second verification code according to the second electronic transaction code information and the first verification code; by analogy, generating an Nth verification code according to the Nth electronic transaction code information and the Nth-1 verification code, wherein N is a natural number greater than 1;
step 830: and respectively copying and storing all the electronic transaction code information and the verification code on M devices, wherein M is a natural number greater than 1.
Step 840: taking the Nth electronic transaction code information and the Nth verification code as an Nth storage unit;
step 850: obtaining the recording time of the Nth storage unit, wherein the recording time of the Nth storage unit represents the time required to be recorded by the Nth storage unit;
step 860: acquiring first equipment with the largest memory in the M equipment according to the recording time of the Nth storage unit;
step 870: and sending the recording right of the Nth storage unit to the first equipment.
Specifically, in order to ensure the safety of electronic transaction code information storage, a first verification code is generated according to first electronic transaction code information, wherein the first verification code and the first electronic transaction code information are in one-to-one correspondence; and generating a second verification code … according to the second electronic transaction code information and the first verification code, and so on, taking the first electronic transaction code information and the first verification code as a first storage unit, taking the second electronic transaction code information and the second verification code as a second storage unit …, and so on, and obtaining N storage units in total. The authentication code information serves as subject identification information, and the identification information of the subject is used to distinguish from other subjects. When electronic transaction code information needs to be called, after each next node receives data stored by the previous node, the data is verified through a 'common recognition mechanism' and then stored, and each storage unit is connected in series through a Hash technology, so that the data is not easy to lose and damage.
Furthermore, the Nth electronic transaction code information and the Nth-1 verification code are partitioned to generate a plurality of blocks, and the Nth equipment node is added into the block chain after identifying the blocks. And the Nth block recording time is the time used for the equipment node to verify through a 'consensus mechanism' based on the obtained Nth verification code information and the Nth electronic transaction code information, and to store and add the verification information into the original block after the verification is passed. The maximum transportation capacity is expressed by calculating a random number meeting a rule through AND or calculation according to the calculation capacity of the M devices, namely, the probability of obtaining the recording authority of the current time is higher for the device with the maximum transportation capacity. The equipment with the fastest transport capacity is selected as the block recording equipment, so that the real-time performance of data interaction under the chain in the block chain is improved, the safe, effective and stable operation of a decentralized block chain system is guaranteed, the efficiency of block chain message processing is improved, and the technical effects of improving the accuracy and the efficiency of electronic transaction code information storage and information processing are achieved.
Further, before the first user and the counterparty complete the first financial transaction by the first electronic transaction code according to the first operation command, step 1000 in this embodiment of the present application further includes:
step 1010: obtaining first payment environment information of the first user;
step 1020: determining a first verification mode of the first user according to the first payment environment information;
step 1030: after the first verification mode is sent to the first user, first confirmation information of the first user is obtained;
step 1040: and confirming payment of the first user according to the first confirmation information.
In particular, before the first payment transaction is completed, the first user also needs to be subjected to relevant payment verification, specifically: firstly, first payment environment information of a first user is required to be obtained, wherein the first payment environment information is ambient environment information which is paid by the user at present and comprises lighting conditions, illumination intensity, temperature, humidity, ambient people flow, ambient noise and the like of a payment environment; then, based on the first payment environment information of the user, a first authentication mode of the first user can be determined, and the authentication mode of the payment includes but is not limited to password input, facial recognition, voice recognition, key recognition and the like, where the first authentication mode is a security authentication mode that is permitted by the user and conforms to the current payment environment, for example, when the illumination intensity is too high to affect the accuracy of facial recognition, a fingerprint authentication mode or a voice recognition mode may be adopted, and when the environment is too noisy, a fingerprint authentication mode, a facial authentication mode and the like may be adopted; furthermore, after the first verification mode is sent to the first user, the identity security of the first user during payment transaction can be confirmed through the first confirmation information of the first user, so that the security and the high efficiency of the payment transaction are further guaranteed, and the phenomena of time waste and low efficiency caused by the adoption of an inappropriate verification mode are avoided.
Further, in order to analyze and determine the transaction network of the user, step 1000 in the embodiment of the present application further includes:
step 1050: obtaining a current transaction time of the first user;
step 1060: obtaining a first network fluency at the current transaction time based on big data;
step 1070: setting a first transaction confirmation time length according to the first electronic transaction code;
step 1080: judging whether the first network fluency meets the first transaction confirmation duration or not;
step 1090: and if not, completing the first financial transaction according to a preset strategy.
Specifically, the current transaction time of the first user is obtained, the current transaction time is the time when the user is paying, then based on big data, the first network fluency at the current transaction time can be obtained, the first network fluency is the information about whether the network is smooth or not at the current transaction time, at different times of each day, the number of users using the network is different, the fluency of the network is different, for example, the network fluency is better at late night, the network fluency is worse when the number of users on line is large at the time after work, further, according to the related information of the first electronic transaction code, the first transaction confirmation duration can be set, then whether the first network fluency satisfies the first transaction confirmation duration or not is judged, that is, whether the current payment transaction can be completed in time or not at the first network fluency, if not, the current network situation is poor, and the transaction is difficult to be completed in a preset time, so that the first financial transaction needs to be completed according to a preset strategy, and the preset strategy can be set according to the actual situation, for example, a payment deduction authorization can be performed in advance with a user, other payment modes are adopted, a multi-payment solution is provided by generating a password and the like, and the stable and efficient operation of the transaction environment is ensured.
Further, for the purpose of information tracing, step 100 in this embodiment of the present application further includes:
step 110: obtaining second payment information of the first user;
step 120: obtaining first event information according to the second payment information, wherein the first event information and the first payment information have a first association degree;
step 130: obtaining first authorization information of the first user;
step 140: obtaining a first tracing instruction;
step 150: obtaining a first calling result according to the first event information, a first tracing instruction and based on the first authorization information;
step 160: and sending the first calling result to the first user.
Specifically, second payment information of a first user is obtained, the second payment information is other transaction conditions of the user, and further, according to the second payment information, first event information can be obtained, the first event information is emergency situations or situations needing to be traced and the like which occur in the process that the user completes the transaction, and the first event information and the first payment information have a first correlation degree, for example, when the user is a purchasing department of a certain home company, when the first payment information is used for purchasing raw materials of wood products, and the second payment information is used for purchasing related products such as adhesives and paints, the related information of the raw materials needs to be traced, or when the user completes the first payment transaction, and the second payment transaction has problems, the first payment transaction needs to be traced; then, first authorization information of the first user needs to be obtained, then a first tracing instruction is generated, a first calling result is further obtained according to the first event information, the first tracing instruction and the first authorization information based on the user, wherein the first calling result contains the first electronic transaction code, and finally the first calling result is sent to the first user or other needed related personnel. Therefore, through the traceability of the electronic transaction code, the safety of financial transaction can be improved, and the execution efficiency of the financial market in each link of transaction, clearing, tracing and the like can be further effectively improved.
Example two
Based on the same inventive concept as the financial encryption payment method based on big data in the foregoing embodiment, the present invention further provides a financial encryption payment method system based on big data, as shown in fig. 2, the system includes:
a first obtaining unit 11, where the first obtaining unit 11 is configured to obtain first payment information of a first user;
a second obtaining unit 12, where the second obtaining unit 12 is configured to obtain a first transaction amount according to the first payment information;
a first establishing unit 13, where the first establishing unit 13 is configured to establish a first transaction amount level table, where the first transaction amount level table includes a plurality of classification levels, and each classification level corresponds to a different encryption level;
a first determining unit 14, the first determining unit 14 being configured to determine a first encryption level from the first transaction amount level table according to the first transaction amount;
a third obtaining unit 15, where the third obtaining unit 15 is configured to obtain first transaction account information of the first user;
a fourth obtaining unit 16, wherein the fourth obtaining unit 16 is configured to obtain a first deduction instruction;
a first executing unit 17, where the first executing unit 17 is configured to deduct an equal amount from the first transaction account according to the first deduction instruction and the first transaction amount;
a first generating unit 18, where the first generating unit 18 is configured to generate first electronic transaction code information based on the big data information of cryptography according to the first encryption level after the equal deduction is completed;
a fifth obtaining unit 19, where the fifth obtaining unit 19 is configured to obtain a first operation command after sending the first electronic transaction code information to the first user;
a second executing unit 20, wherein the second executing unit 20 is configured to enable the first user and the counterparty to complete a first financial transaction through the first electronic transaction code according to the first operation command.
Further, the system further comprises:
the second generating unit is used for generating a first verification code according to the first electronic transaction code information, wherein the first verification code is in one-to-one correspondence with the first electronic transaction code information;
a third generating unit for generating a second verification code according to the second electronic transaction code information and the first verification code; by analogy, generating an Nth verification code according to the Nth electronic transaction code information and the Nth-1 verification code, wherein N is a natural number greater than 1;
and the third execution unit is used for respectively copying and storing all the electronic transaction code information and the verification codes on M devices, wherein M is a natural number greater than 1.
Further, the system further comprises:
a sixth obtaining unit configured to obtain first payment environment information of the first user;
a second determining unit, configured to determine a first authentication method of the first user according to the first payment environment information;
a seventh obtaining unit, configured to obtain first confirmation information of the first user after sending the first verification manner to the first user;
and the fourth execution unit is used for confirming payment of the first user according to the first confirmation information.
Further, the system may further include, in accordance with the first operation command, a first financial transaction performed between the first user and a counterparty via the first electronic transaction code, and further includes:
an eighth obtaining unit, configured to obtain a current transaction time of the first user;
a ninth obtaining unit, configured to obtain, based on big data, the first network fluency at the current transaction time;
the first setting unit is used for setting a first transaction confirmation duration according to the first electronic transaction code;
a first judging unit, configured to judge whether the first network fluency satisfies the first transaction confirmation duration;
a fifth execution unit, configured to, if not, complete the first financial transaction according to a preset policy.
Further, the system further comprises:
a tenth obtaining unit configured to obtain second transaction amounts and second payment attribute information of the plurality of customers;
a third determining unit, configured to determine first data information according to the second payment attribute information and the first weighting coefficient;
an eleventh obtaining unit configured to obtain government regulation information;
a fourth determination unit, configured to determine second data information according to the government regulation information and a second weighting coefficient;
a first input unit, configured to input the second transaction amount, the first data information, and the second data information into an encryption level judgment model, where the model is obtained through training of multiple sets of training data, and each set of the multiple sets of training data includes: the second transaction amount, the first data information, the second data information, and identification information identifying a first output result;
a twelfth obtaining unit, configured to obtain output information of the encryption level determination model, where the output information includes a first output result, and the first output result is an encryption level corresponding to a second transaction amount of the multiple customers;
and the second establishing unit is used for establishing a first transaction amount grade table according to the first output result.
Further, the system further comprises:
a thirteenth obtaining unit configured to obtain second payment information of the first user;
a fourteenth obtaining unit, configured to obtain first event information according to the second payment information, where the first event information and the first payment information have a first degree of association therebetween;
a fifteenth obtaining unit, configured to obtain first authorization information of the first user;
a sixteenth obtaining unit, configured to obtain a first trace back instruction;
a seventeenth obtaining unit, configured to obtain a first invoking result according to the first event information, the first trace instruction, and based on the first authorization information;
a first sending unit, configured to send the first retrieval result to the first user.
Further, the system further comprises:
an eighteenth obtaining unit, configured to obtain a first bound account list according to the first payment information;
a fifth determining unit, configured to determine, according to the first payment amount, target account list information from the first bound account list;
a nineteenth obtaining unit, configured to obtain second confirmation information of the first user after sending the target account list information to the first user;
a twentieth obtaining unit, configured to obtain the first transaction account information of the first user according to the second confirmation information.
Various changes and specific examples of a big data-based financial encryption payment method in the first embodiment of fig. 1 are also applicable to a big data-based financial encryption payment system in the present embodiment, and a person skilled in the art can clearly know an implementation method of a big data-based financial encryption payment system in the present embodiment through the foregoing detailed description of a big data-based financial encryption payment method, so for the brevity of the description, detailed descriptions are omitted here.
EXAMPLE III
Based on the same inventive concept as the big data based financial encryption payment method in the foregoing embodiment, the present invention further provides an exemplary electronic device, as shown in fig. 3, including a memory 304, a processor 302, and a computer program stored on the memory 304 and executable on the processor 302, wherein the processor 302 executes the computer program to implement the steps of any one of the big data based financial encryption payment methods described above.
Where in fig. 3 a bus architecture (represented by bus 300), bus 300 may include any number of interconnected buses and bridges, bus 300 linking together various circuits including one or more processors, represented by processor 302, and memory, represented by memory 304. The bus 300 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface 305 provides an interface between the bus 300 and the receiver 301 and transmitter 303. The receiver 301 and the transmitter 303 may be the same element, i.e., a transceiver, providing a means for communicating with various other apparatus over a transmission medium. The processor 302 is responsible for managing the bus 300 and general processing, and the memory 304 may be used for storing data used by the processor 302 in performing operations.
One or more technical solutions in the embodiments of the present application have at least one or more of the following technical effects:
according to the financial encryption payment method and system based on the big data, provided by the embodiment of the invention, the first payment information of a first user is obtained; obtaining a first transaction amount according to the first payment information; establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades; determining a first encryption level from the first transaction amount level table according to the first transaction amount; obtaining first transaction account information of the first user; obtaining a first deduction instruction; according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount; after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level; after the first electronic transaction code information is sent to the first user, a first operation command is obtained; according to the first operation command, the first user and the transaction counterpart complete the first financial transaction through the first electronic transaction code, so that the technical problems of high payment processing cost, high risk, low expansibility, low stability, low reliability, low safety and inconvenience in use in the prior art are solved, and the technical effects of improving the expansibility, the reliability, the safety, the stability and the convenience of a payment mode and reducing the payment processing cost are achieved.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present invention without departing from the spirit and scope of the invention. Thus, if such modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include such modifications and variations.
Claims (9)
1. A financial encrypted payment method based on big data, wherein the method comprises:
obtaining first payment information of a first user;
obtaining a first transaction amount according to the first payment information;
establishing a first transaction amount grade table, wherein the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption grades;
determining a first encryption level from the first transaction amount level table according to the first transaction amount;
obtaining first transaction account information of the first user;
obtaining a first deduction instruction;
according to the first deduction instruction, carrying out equal deduction from the first transaction account according to the first transaction amount;
after the equal deduction is finished, generating first electronic transaction code information based on the cryptography big data information according to the first encryption level;
after the first electronic transaction code information is sent to the first user, a first operation command is obtained;
and according to the first operation command, the first user and the transaction partner complete a first financial transaction through the first electronic transaction code.
2. The method of claim 1, wherein after the generating first electronic transaction code information according to the first encryption level after the equal deduction is completed, the method further comprises:
generating a first verification code according to the first electronic transaction code information, wherein the first verification code is in one-to-one correspondence with the first electronic transaction code information;
generating a second verification code according to the second electronic transaction code information and the first verification code; by analogy, generating an Nth verification code according to the Nth electronic transaction code information and the Nth-1 verification code, wherein N is a natural number greater than 1;
and respectively copying and storing all the electronic transaction code information and the verification code on M devices, wherein M is a natural number greater than 1.
3. The method of claim 1, wherein prior to said first user and counterparty completing a first financial transaction via said first electronic transaction code in accordance with said first operating command, said method further comprises:
obtaining first payment environment information of the first user;
determining a first verification mode of the first user according to the first payment environment information;
after the first verification mode is sent to the first user, first confirmation information of the first user is obtained;
and confirming payment of the first user according to the first confirmation information.
4. The method of claim 1, wherein said first user and a counterparty complete a first financial transaction via said first electronic transaction code in accordance with said first operating command, said method further comprising:
obtaining a current transaction time of the first user;
obtaining a first network fluency at the current transaction time based on big data;
setting a first transaction confirmation time length according to the first electronic transaction code;
judging whether the first network fluency meets the first transaction confirmation duration or not;
and if not, completing the first financial transaction according to a preset strategy.
5. The method of claim 1, wherein the establishing a first transaction amount level table, the method further comprises:
obtaining second transaction amounts and second payment attribute information of a plurality of customers;
determining first data information according to the second payment attribute information and the first weighting coefficient;
acquiring government regulatory information;
determining second data information according to the government regulation information and a second weighting coefficient;
inputting the second transaction amount, the first data information and the second data information into an encryption level judgment model, wherein the model is obtained by training multiple groups of training data, and each group of the multiple groups of training data comprises: the second transaction amount, the first data information, the second data information, and identification information identifying a first output result;
obtaining output information of the encryption level judgment model, wherein the output information comprises a first output result, and the first output result is an encryption level corresponding to a second transaction amount of the plurality of customers;
and establishing a first transaction amount grade table according to the first output result.
6. The method of claim 1, wherein the method further comprises:
obtaining second payment information of the first user;
obtaining first event information according to the second payment information, wherein the first event information and the first payment information have a first association degree;
obtaining first authorization information of the first user;
obtaining a first tracing instruction;
obtaining a first calling result according to the first event information, a first tracing instruction and based on the first authorization information;
and sending the first calling result to the first user.
7. The method of claim 1, wherein prior to the obtaining first transaction account information for the first user, the method further comprises:
acquiring a first binding account list according to the first payment information;
determining target account list information from the first bound account list according to the first payment amount;
after the target account list information is sent to the first user, second confirmation information of the first user is obtained;
and obtaining first transaction account information of the first user according to the second confirmation information.
8. A big data based financial encrypted payment system, wherein the system comprises:
a first obtaining unit, configured to obtain first payment information of a first user;
a second obtaining unit, configured to obtain a first transaction amount according to the first payment information;
the system comprises a first establishing unit, a second establishing unit and a third establishing unit, wherein the first establishing unit is used for establishing a first transaction amount grade table, the first transaction amount grade table comprises a plurality of grades, and each grade corresponds to different encryption levels;
a first determining unit configured to determine a first encryption level from the first transaction amount level table according to the first transaction amount;
a third obtaining unit, configured to obtain first transaction account information of the first user;
a fourth obtaining unit, configured to obtain a first deduction instruction;
the first execution unit is used for carrying out equal deduction from the first transaction account according to the first deduction instruction and the first transaction amount;
the first generating unit is used for generating first electronic transaction code information based on the big data information of cryptography according to the first encryption level after the balance deduction is finished;
a fifth obtaining unit, configured to obtain a first operation command after sending the first electronic transaction code information to the first user;
and the second execution unit is used for enabling the first user and a transaction counterpart to complete a first financial transaction through the first electronic transaction code according to the first operation command.
9. A big data based financial encrypted payment system comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the steps of the method of any one of claims 1 to 7.
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| CN115760126A (en) * | 2023-01-10 | 2023-03-07 | 北京厚方科技有限公司 | Financial transaction information encryption method |
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