CN113282454A - Financial business monitoring method based on block chain - Google Patents
Financial business monitoring method based on block chain Download PDFInfo
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- CN113282454A CN113282454A CN202110553602.XA CN202110553602A CN113282454A CN 113282454 A CN113282454 A CN 113282454A CN 202110553602 A CN202110553602 A CN 202110553602A CN 113282454 A CN113282454 A CN 113282454A
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- G06F11/30—Monitoring
- G06F11/3003—Monitoring arrangements specially adapted to the computing system or computing system component being monitored
- G06F11/302—Monitoring arrangements specially adapted to the computing system or computing system component being monitored where the computing system component is a software system
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- G06F11/00—Error detection; Error correction; Monitoring
- G06F11/30—Monitoring
- G06F11/3051—Monitoring arrangements for monitoring the configuration of the computing system or of the computing system component, e.g. monitoring the presence of processing resources, peripherals, I/O links, software programs
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Abstract
The application provides a financial service monitoring method based on a block chain, and relates to the technical field of block chains. In the application, first, target financial transaction execution record information sent by the blockchain financial transaction processing system is obtained. And secondly, determining corresponding target financial service request equipment based on the target financial service execution record information, and sending first request information to the target financial service request equipment. Then, if a financial service request behavior information set sent by the target financial service request equipment based on the first request information is obtained, analyzing each piece of financial service request behavior information in the financial service request behavior information set respectively to obtain corresponding request behavior characteristic information so as to determine whether the target first financial service belongs to an abnormal service. By the method, the problem of poor monitoring effect on financial services in the prior art can be solved.
Description
Technical Field
The application relates to the technical field of block chains, in particular to a financial service monitoring method based on a block chain.
Background
With the continuous development of the blockchain technology and the characteristics thereof, such as decentralization and the like, the safety performance is higher, and therefore, the application range is continuously expanded, for example, in the financial service verification, a greater guarantee is provided for the safety in the financial service execution process.
However, the inventor researches and discovers that in the prior art, the security check on the financial services is generally realized in the execution process of the financial services, but in some cases, the security check can still be passed on some abnormal services, and at this time, the user can only wait for finding the abnormal services by himself, so that the monitoring effect is poor.
Disclosure of Invention
In view of the above, an object of the present application is to provide a financial service checking method and a financial service checking platform based on a block chain, so as to solve the problem in the prior art that the monitoring effect on financial services is poor.
In order to achieve the above purpose, the embodiment of the present application adopts the following technical solutions:
a financial service checking method based on a block chain is applied to a financial service checking platform, the financial service checking platform is in communication connection with a block chain financial service processing system, the block chain financial service processing system is in communication connection with a financial service request device, and the method comprises the following steps:
acquiring target financial service execution record information sent by the block chain financial service processing system, wherein the target financial service execution record information is formed after a target financial service request device requests the block chain financial service processing system to execute a target first financial service, and is stored through a target block chain deployed on the block chain financial service processing system;
determining corresponding target financial service request equipment based on the target financial service execution record information, and sending first request information to the target financial service request equipment;
and if a financial service request behavior information set sent by the target financial service request equipment based on the first request information is obtained, determining whether the target first financial service belongs to an abnormal service or not based on each piece of financial service request behavior information in the financial service request behavior information set, wherein each piece of financial service request behavior information requests the block chain financial service processing system to execute financial service formation based on the target financial service request equipment respectively.
On the basis, the embodiment of the present application further provides a financial service verification platform, including:
a memory for storing a computer program;
and the processor is connected with the memory and is used for executing the computer program stored in the memory so as to realize the financial service checking method based on the block chain.
According to the financial service checking method and the financial service checking platform based on the block chain, whether the target first financial service belongs to the abnormal service or not is checked through the financial service checking platform based on the financial service request behavior information set of the target financial service request equipment, and the purpose of checking after the financial service execution is completed can be achieved.
In order to make the aforementioned objects, features and advantages of the present application more comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
Fig. 1 is an application block diagram of a financial service verification platform according to an embodiment of the present application.
Fig. 2 is a schematic flowchart illustrating steps included in a block chain-based financial transaction verification method according to an embodiment of the present application.
Icon: 100-financial service checking platform; 200-a blockchain financial transaction processing system; 300-financial service request device.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all the embodiments. The components of the embodiments of the present application, generally described and illustrated in the figures herein, can be arranged and designed in a wide variety of different configurations.
Thus, the following detailed description of the embodiments of the present application, presented in the accompanying drawings, is not intended to limit the scope of the claimed application, but is merely representative of selected embodiments of the application. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
As shown in fig. 1, an embodiment of the present application provides a financial transaction verification platform 100. The financial service verification platform 100 is communicatively connected with a blockchain financial service processing system 200 (which may include a plurality of blockchain node devices), and the blockchain financial service processing system 200 is communicatively connected with at least one financial service request device 300.
Also, the financial transaction verification platform 100 may include a memory and a processor.
In detail, the memory and the processor are electrically connected directly or indirectly to realize data transmission or interaction. For example, they may be electrically connected to each other via one or more communication buses or signal lines. The memory may have stored therein at least one software function, which may be in the form of software or firmware. The processor may be configured to execute the executable computer program stored in the memory, such as the software functional module, so as to implement the method for checking financial services based on a blockchain provided by the embodiment of the present application (as described later).
Alternatively, the Memory may be, but is not limited to, a Random Access Memory (RAM), a Read Only Memory (ROM), a Programmable Read-Only Memory (PROM), an Erasable Read-Only Memory (EPROM), an electrically Erasable Read-Only Memory (EEPROM), and the like.
The Processor may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), a System on Chip (SoC), and the like; but may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other programmable logic device, discrete gate or transistor logic device, discrete hardware components.
It is understood that, in a specific application example, the financial service verification platform 100 may be a server with data processing capability.
With reference to fig. 2, an embodiment of the present application further provides a block chain-based financial service verification method, which can be applied to the financial service verification platform 100. The method steps defined by the flow related to the block chain-based financial service verification method may be implemented by the financial service verification platform 100.
The specific process shown in FIG. 2 will be described in detail below.
Step S110, acquiring the target financial transaction execution record information sent by the blockchain financial transaction processing system 200.
In this embodiment, when the target financial service that has been executed needs to be verified, the financial service verification platform 100 may first obtain the target financial service execution record information sent by the blockchain financial service processing system 200.
The target financial transaction execution record information may be formed based on a target financial transaction request device requesting the blockchain financial transaction processing system 200 to execute the target first financial transaction, and may be stored in a target blockchain deployed on the blockchain financial transaction processing system 200.
Step S120, determining a corresponding target financial service request device based on the target financial service execution record information, and sending first request information to the target financial service request device.
In this embodiment, after the target financial service execution record information is acquired based on step S110, the financial service verification platform 100 may determine a corresponding target financial service request device based on the target financial service execution record information, and then may send the generated first request information to the target financial service request device.
Step S130, determining whether the target first financial service belongs to an abnormal service based on each piece of financial service request behavior information in the set of financial service request behavior information.
In this embodiment, after sending the first request information to the target financial service request device based on step S120, the financial service verification platform 100 may first determine whether to obtain a set of financial service request behavior information sent by the target financial service request device based on the first request information. Then, if a financial service request behavior information set sent by the target financial service request device based on the first request information is obtained, whether the target first financial service belongs to an abnormal service may be determined based on each piece of financial service request behavior information in the financial service request behavior information set.
Wherein, each piece of the financial service request behavior information requests the blockchain financial service processing system 200 to execute financial service formation based on the target financial service request device, respectively.
Based on the method, whether the target first financial service belongs to the abnormal service can be verified by the financial service verification platform 100 based on the financial service request behavior information set of the target financial service request equipment, so that the aim of verifying after the execution of the financial service is finished is fulfilled. Therefore, the problem that monitoring effect is poor due to the fact that only the financial service execution process is verified in the prior art can be solved, abnormal financial services can be found in time (compared with the situation that a user finds the abnormal financial services by himself), and corresponding processing can be conducted in time conveniently (such as improvement of monitoring security strategies or fund recovery and the like).
In the first aspect, it should be noted that, in step S110, a specific manner of obtaining the target financial transaction execution record information is not limited, and may be selected according to actual application requirements.
For example, in an alternative example, step S110 may include sub-steps 11-13, as described below.
And a substep 11 of judging whether the target first financial service needs to be checked based on preset conditions so as to determine whether the target first financial service belongs to abnormal services.
In this embodiment, it may be determined whether the target first financial service (i.e., the first financial service that is executed by the target financial service request device last time and may refer to a financial service based on a target account, such as transfer, payment, query, and the like) needs to be checked based on a preset condition, so as to determine whether the target first financial service belongs to an abnormal service.
Wherein substep 12 may be performed upon determining that the verification process is required for the target first financial transaction.
And a substep 12 of generating a first notification message and transmitting the first notification message to the blockchain financial transaction processing system 200.
In this embodiment, when it is determined that the verification process needs to be performed on the target first financial transaction based on sub-step 11, first notification information may be generated, and then the first notification information may be sent to the blockchain financial transaction processing system 200.
Substep 13, obtaining the target financial service execution record information sent by the blockchain financial service processing system 200 based on the first notification information.
In this embodiment, after the first notification information is sent to the blockchain financial transaction processing system 200 based on sub-step 12, target financial transaction execution record information sent by the blockchain financial transaction processing system 200 based on the first notification information may be obtained, so that the target financial transaction execution record information may be obtained.
Optionally, in the above example, the specific manner of performing the sub-step 11 to determine whether the target first financial transaction needs to be checked is not limited, and may be selected according to the actual application requirement.
For example, in one alternative example, sub-step 11 may include the following sub-steps:
in the first step, it can be determined whether the second notification message sent by the blockchain financial transaction system 200 is received, the second notification information is generated based on verification request information of other financial service request devices other than the target financial service request device, which is acquired by the blockchain financial service processing system 200 (that is, when it is determined that the target first financial service may be abnormal, the other financial service request devices generate the second notification information and send the second notification information to the blockchain financial service processing system 200, so that the blockchain financial service processing system 200 forwards the second notification information to the financial service verification platform 100, for example, a last request device of the first financial service is the other financial service request device, and a current request device of the first financial service (i.e., the target first financial service) is the target financial service request device).
In the second step, it may be determined that the target first financial service needs to be checked when the second notification information is received, where the information identifying the target first financial service in the first notification information is obtained based on the second notification information.
For another example, in another alternative example, sub-step 11 may include the following sub-steps:
in the first step, it can be determined whether the second notification message sent by the blockchain financial transaction system 200 is received, wherein the second notification information is generated based on the blockchain financial service processing system 200 when financial service request devices requesting execution of the first financial service for two adjacent times are different, and the first financial service requested to be performed at the subsequent time is a target first financial service requested to be performed by the target financial service request apparatus, or the target financial service request device does not simultaneously generate the financial services requested to be executed twice, and the financial service requested to be executed the next time is the target first financial service (that is, when the blockchain financial service processing system 200 determines that the target first financial service may be abnormal, the second notification information may be generated and sent to the financial service verification platform 100);
in the second step, it may be determined that the target first financial service needs to be checked when the second notification information is received, where the information identifying the target first financial service in the first notification information is obtained based on the second notification information.
In the second aspect, it should be noted that, in step S130, a specific manner for determining whether the target first financial service belongs to an abnormal service is not limited, and may be selected according to actual application requirements.
For example, in an alternative example, step S130 may include sub-steps 31-37, as described below.
And a substep 31, analyzing each piece of financial service request behavior information in the financial service request behavior information set respectively to obtain corresponding request behavior characteristic information.
In this embodiment, after the financial service request behavior information set is obtained, the financial service request behavior of each piece of the financial service request behavior information in the financial service request behavior set may be analyzed, so that request behavior feature information corresponding to each piece of the financial service request behavior information may be obtained (for example, in an alternative example, the request behavior feature information may be an IP address, that is, an IP address used when the target financial service request device requests to execute the first financial service of this time).
And a substep 32, dividing the plurality of pieces of financial service request behavior information into at least one financial service request behavior information subset according to the time sequence of each piece of financial service request behavior information in the financial service request behavior information set and the request behavior feature information corresponding to each piece of financial service request behavior information.
In this embodiment, the request behavior feature information corresponding to each piece of the financial service request behavior information is obtained based on the sub-step 32. And then, according to the time sequence of each piece of financial service request behavior information in the financial service request behavior information set and the request behavior characteristic information corresponding to each piece of financial service request behavior information, dividing the plurality of pieces of financial service request behavior information into at least one financial service request behavior information subset.
When the financial service request behavior information subsets are combined into a plurality of financial service request behavior information subsets, at least one financial service request behavior subset comprises a plurality of pieces of financial service request behavior information, at most one financial service request behavior subset comprises one piece of financial service request behavior information, and the piece of financial service request behavior information is the last and next piece of financial service request behavior information based on the time sequence in the plurality of pieces of financial service request behavior information.
For example, in a specific application example, the financial service request behavior information set includes financial service request behavior information a (corresponding request behavior feature information may be feature information 1), financial service request behavior information B (corresponding request behavior feature information may be feature information 1), financial service request behavior information C (corresponding request behavior feature information may be feature information 1), financial service request behavior information D (corresponding request behavior feature information may be feature information 2), financial service request behavior information E (corresponding request behavior feature information may be feature information 1), and financial service request behavior information F (corresponding request behavior feature information may be feature information 2), which are arranged in chronological order. In this way, when the request behavior feature information of the current piece of financial service request behavior information is different from the request behavior feature information of the previous piece of financial service request behavior information, the current piece of financial service request behavior information and the previous piece of financial service request behavior information which does not form the financial service request behavior information subset can be used as a financial service request behavior information subset. Therefore, a first subset of financial service request behavior information can be obtained, which includes financial service request behavior information a, financial service request behavior information B, financial service request behavior information C, and financial service request behavior information D; a second subset of financial service request behavior information may also be obtained, including financial service request behavior information E, financial service request behavior information F.
And a substep 33, for each financial service request behavior information subset, performing identification processing on the financial service request behavior information included in the financial service request behavior information subset based on whether the corresponding request behavior feature information is the same.
In this embodiment, after obtaining at least one of the financial service request behavior information subsets based on substep 32, for each of the financial service request behavior information subsets, the financial service request behavior information included in the financial service request behavior information subset may be identified according to whether the request behavior feature information corresponding to the financial service request behavior information is the same.
And a substep 34, determining repeated financial service request behavior information in the financial service request behavior information subset based on the result of the identification process for each financial service request behavior information subset.
In this embodiment, after the identification process is performed based on sub-step 33, for each subset of the financial service request behavior information, repeated financial service request behavior information may be determined in the subset of the financial service request behavior information based on the result of performing the identification process.
For example, in the above example, the first subset of financial service request behavior information includes financial service request behavior information a, financial service request behavior information B, and financial service request behavior information C belonging to the duplicated financial service request behavior information.
And a substep 35, for each of the financial service request behavior information subsets, obtaining non-repeated financial service request behavior information and a repeated piece of financial service request behavior information temporally closest to the non-repeated financial service request behavior information in the financial service request behavior information subset.
In this embodiment, after determining the repeated financial service request behavior information based on sub-step 34, for each of the subsets of financial service request behavior information, non-repeated financial service request behavior information and a piece of repeated financial service request behavior information that is temporally closest to the non-repeated financial service request behavior information may be obtained (for example, in the above example, for the first subset of financial service request behavior information, financial service request behavior information C and financial service request behavior information D may be obtained).
And a substep 36 of forming a financial service request behavior information sequence according to a time sequence based on the obtained non-repeated financial service request behavior information and the repeated financial service request behavior information.
In this embodiment, after the non-repeated financial service request behavior information of each financial service request behavior information subset and the repeated financial service request behavior information that is closest in time to the non-repeated financial service request behavior information are obtained based on the substep 35, a financial service request behavior information sequence may be formed based on the obtained non-repeated financial service request behavior information and the repeated financial service request behavior information according to a chronological order.
For example, in the above example, for a first subset of the financial service request behavior information, an information sequence may be formed, which is the financial service request behavior information C and the financial service request behavior information D; for the second subset of financial service request behavior information, another information sequence may be formed, which is financial service request behavior information E and financial service request behavior information F.
Thus, the financial service request behavior information sequence can be obtained, which is the financial service request behavior information C, the financial service request behavior information D, the financial service request behavior information E, and the financial service request behavior information F. Based on this, the subsequent data processing amount (such as similarity comparison processing) can be made lower, and higher reliability can be ensured (for example, interference of repeated financial service request behavior information on the overall comparison result is avoided, and the first financial service corresponding to the repeated financial service request behavior information is generally non-abnormal service).
And a substep 37, comparing the similarity between the financial service request behavior information sequence and a pre-generated target behavior information sequence, and determining whether the target first financial service belongs to an abnormal service based on the comparison result.
In this embodiment, after the financial service request behavior information sequence is formed based on sub-step 36, the financial service request behavior information sequence may be subjected to similarity comparison processing with a target behavior information sequence generated in advance, and then, it may be determined whether the target first financial service belongs to an abnormal service based on the comparison processing result.
Alternatively, in the above example, the specific manner of performing the similarity comparison processing based on the sub-step 37 is not limited, and may be selected according to the actual application requirement.
For example, in an alternative example, to improve the accuracy of determining whether the abnormal traffic is present, the sub-step 37 may include the following sub-steps:
in a first step, at least one first target behavior information sequence and at least one second target behavior information sequence may be obtained from a target database (which may be a local database of the financial service verification platform 100 or a remote database of the financial service verification platform 100), where each first target behavior information sequence is formed based on a financial service request device requesting to perform at least one financial service, and at least one performed financial service in the at least one financial service belongs to an abnormal service (i.e., a probability for determining that the target first financial service belongs to the abnormal service), each second target behavior information sequence is formed based on a financial service request device requesting to perform at least one financial service, and the financial service performed each time in the at least one financial service does not belong to the abnormal service (i.e., a probability for determining that the target first financial service does not belong to the abnormal service) (ii) a
Second, collecting the information of the financial service request behavior information sequence according to a preset first information quantity and a preset second information quantity, to obtain a plurality of sequence subsets, where the quantity of the financial service request behavior information included in each sequence subset is the first information quantity (the quantity of the financial service request behavior information included in each first target behavior information sequence is also the first information quantity, and the quantity of the financial service request behavior information included in each second target behavior information sequence is also the first information quantity), and in two adjacent sequence subsets, between the first piece of financial service request behavior information of the previous sequence subset and the first piece of financial service request behavior information of the next sequence subset, the quantity of the first financial service request behavior information of an interval is the second information quantity (for example, on the basis of the above example, for the financial service request behavior information sequence "financial service request behavior information C, financial service request behavior information D, financial service request behavior information E, financial service request behavior information F", if the first information quantity is 3 and the second information quantity is 0, thus two sequence subsets can be obtained, which are "financial service request behavior information C, financial service request behavior information D, financial service request behavior information E", and "financial service request behavior information D, financial service request behavior information E, financial service request behavior information F", respectively);
thirdly, acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information included in each sequence subset aiming at each sequence subset;
fourthly, for each sequence subset, forming a feature information sequence based on the request behavior feature information corresponding to the sequence subset to obtain a plurality of feature information sequences (for example, on the basis of the above example, two feature information sequences, namely "feature information 1, feature information 2, feature information 1" and "feature information 2, feature information 1, feature information 2", may be formed for the obtained two sequence subsets);
fifthly, for each characteristic information sequence, carrying out similarity calculation on the characteristic information sequence and each first target behavior information sequence to obtain at least one first similarity, and carrying out similarity calculation on the characteristic information sequence and each second target behavior information sequence to obtain at least one second similarity;
sixthly, determining a first target similarity and a second target similarity corresponding to each characteristic information sequence, wherein the first target similarity is the largest first similarity in at least one first similarity corresponding to the characteristic information sequence, and the second target similarity is the largest second similarity in at least one second similarity corresponding to the characteristic information sequence;
seventhly, regarding each characteristic information sequence, taking the larger one of the first similarity and the second similarity of the target corresponding to the characteristic information sequence as the target similarity of the characteristic information sequence;
eighthly, determining a first number belonging to the first similarity of the target and a second number belonging to the second similarity of the target in a plurality of target similarities corresponding to the plurality of characteristic information sequences;
a ninth step of determining that the target first financial transaction belongs to an abnormal transaction if the first number is greater than or equal to the second number (in other examples, the ratio of the first number to the second number is less than a preset value, e.g., 2/3, it is determined that the target first financial transaction belongs to an abnormal transaction);
tenth, if the first quantity is smaller than the second quantity, it is determined that the target first financial transaction does not belong to an abnormal transaction (in other examples, the ratio of the first quantity to the second quantity is smaller than a preset value, e.g., 2/3, it is determined that the target first financial transaction belongs to an abnormal transaction).
For another example, in another alternative example, to improve the convenience of determining whether the abnormal traffic belongs to, the sub-step 37 may include the following sub-steps:
firstly, generating equipment confirmation information, and sending the equipment confirmation information to the blockchain financial service processing system 200, wherein the blockchain financial service processing system 200 is configured to return first equipment identification information based on the equipment confirmation information, and associated financial service request equipment (at least one associated financial service request equipment) corresponding to the first equipment identification information requests the blockchain financial service processing system 200 to execute a first financial service at least once;
secondly, if the first device identification information is obtained, sending sequence request information to each associated financial service request device corresponding to the first device identification information, wherein the associated financial service request device is used for returning a target behavior information sequence based on the sequence request information, and the target behavior information sequence requests the block chain financial service processing system 200 to execute at least one financial service formation based on the associated financial service request device;
thirdly, acquiring the target behavior information sequence sent by each associated financial service request device to obtain at least one target behavior information sequence;
fourthly, similarity calculation processing is carried out on the financial service request behavior information sequence and each target behavior information sequence to obtain at least one associated equipment similarity;
fifthly, judging whether the proportion of the similarity of the associated equipment which is greater than the preset similarity in the similarity of the at least one associated equipment is greater than the preset proportion or not;
and sixthly, if the ratio of the similarity of the associated equipment which is greater than the preset similarity is greater than the preset ratio, determining that the target first financial service does not belong to the abnormal service (otherwise, determining that the target first financial service belongs to the abnormal service).
In the above example, the specific manner of the similarity calculation processing for the fourth step may be:
firstly, the financial service request behavior information sequence and each target behavior information sequence may be subjected to information acquisition according to a preset first information quantity and a preset second information quantity to obtain a plurality of sequence subsets (including a plurality of request sequence subsets corresponding to the financial service request behavior information sequence and a plurality of target sequence subsets corresponding to the target behavior information sequence), where the quantity of financial service request behavior information included in each sequence subset is the first information quantity, and in two adjacent sequence subsets, between a first piece of financial service request behavior information of a previous sequence subset and a first piece of financial service request behavior information of a next sequence subset, the quantity of spaced first financial service request behavior information is the second information quantity;
secondly, acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information included in each sequence subset aiming at each sequence subset;
then, for each sequence subset, forming a feature information sequence based on the request behavior feature information corresponding to the sequence subset to obtain a plurality of feature information sequences (including a plurality of request feature information sequences corresponding to the plurality of request sequence subsets and a plurality of target feature information sequences corresponding to the plurality of target sequence subsets);
finally, for each request characteristic information sequence, calculating the similarity between the request characteristic information sequence and each target characteristic information sequence, so that the average value of the similarities between a plurality of target characteristic information sequences corresponding to one target behavior information sequence and each request characteristic information sequence can be used as the correlation equipment similarity between the entry mark behavior information sequence and the financial service request behavior information sequence.
For another example, in another alternative example, sub-step 37 may include the following sub-steps:
the first step, acquiring a target behavior information sequence sent by a financial service request device requesting to execute the first financial service for the most times;
secondly, acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information in the target behavior information sequence to form a target characteristic information sequence;
thirdly, acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information in the financial service request behavior information sequence to form a request characteristic information sequence;
fourthly, calculating a first similarity between the target characteristic information sequence and the request characteristic information sequence based on the characteristic information (such as an IP address) of one dimension included in the request behavior characteristic information;
fifthly, judging whether the first similarity is larger than a first preset value or not;
sixthly, if the first similarity is greater than the first preset value, calculating a second similarity between the target characteristic information sequence and the request characteristic information sequence based on characteristic information (such as an IP address, a difference between request times of two adjacent pieces of financial service request behavior information, and the like) of multiple dimensions included in the request behavior characteristic information;
seventhly, judging whether the second similarity is larger than a second preset value (the second preset value can be smaller than the first preset value);
and eighthly, if the second similarity is larger than the second preset value, determining that the target first financial service does not belong to abnormal services.
Further, on the basis of the above example, in order to effectively check whether the target first financial service belongs to an abnormal service, considering that the set of the financial service request behavior information may not be obtained after the step S120 is executed, the block chain based financial service checking method may further include the following steps.
First, if the financial service verification platform 100 does not obtain the financial service request behavior information set sent by the target financial service request device based on the first request information (according to the research of the inventors of the present application, it is found that, in this case, there is a high possibility that the target first financial service belongs to an abnormal service, so that a user of the corresponding target financial service request device does not want to send the financial service request behavior information set through the target financial service request device, and thus, further determination may be made), a second request information may be generated.
In a second step, the financial service verification platform 100 may send the second request message to the target financial service request device, and perform a first timing process after sending the second request message (while the sending is completed).
And thirdly, if the first timing duration obtained by the financial service verification platform 100 through the first timing processing is longer than a first preset duration and a financial service request behavior information set sent by the target financial service request equipment based on the second request information is not obtained within the first timing duration, performing second timing processing.
Fourthly, in the process of performing the second timing process, if the financial service verification platform 100 acquires the financial service request behavior information set sent by the target financial service request device based on the second request information and does not acquire the target information, the financial service request behavior information set may be discarded (since the first preset time period has passed, that is, the possibility of counterfeit information is provided, it indicates that the reliability of the financial service request behavior information set is low, and therefore, the financial service request behavior information set may be discarded).
Fifthly, the financial service verification platform 100 may determine whether a second timing duration obtained by performing the second timing processing is greater than a second preset duration, where the second preset duration is greater than the first preset duration.
Sixthly, if the second timing duration is longer than the second preset duration, the financial service checking platform 100 may determine that the target first financial service belongs to an abnormal service.
Based on the different specific contents of the target information, the financial service checking method based on the blockchain may further include different steps to obtain the target information.
For example, in an alternative example, in order to improve the accuracy of determining whether the target first financial service belongs to an abnormal service, the method for checking financial services based on blockchains may further include the following steps, which are described in detail below.
In a first step, the financial service checking platform 100 may send third request information to the blockchain financial service processing system 200 when the second timing process is started, where the blockchain financial service processing system 200 is configured to generate second device identification information based on the third request information, and the second device identification information is used to represent a financial service request device that requests to execute the first financial service the most times (indicating that the financial service request device has the highest credibility for the first financial service).
In a second step, the financial service checking platform 100 may obtain the second device identification information sent by the blockchain financial service processing system 200, and determine a corresponding financial service request device based on the second device identification information.
Third, the financial service checking platform 100 may send fourth request information to the determined financial service request device, where the financial service request device is configured to generate the target information when it is determined that the target first financial service does not belong to an abnormal service based on the information of the target first financial service carried in the fourth request information (for example, verification information may be displayed to a user of the financial service request device, so that the user checks the target first financial service).
Fourthly, the financial service checking platform 100 may obtain the determined target information sent by the financial service request device (in this way, after obtaining the target information, the financial service checking platform 100 may determine that the target first financial service does not belong to an abnormal service), and in this way, may obtain the target information.
In summary, according to the financial service checking method and the financial service checking platform 100 based on the block chain provided by the application, whether the target first financial service belongs to the abnormal service is checked through the financial service checking platform 100 based on the financial service request behavior information set of the target financial service request device, so that the purpose of checking after the financial service is executed can be achieved, and thus, the problem that in the prior art, only the checking is performed in the financial service execution process, and the monitoring effect is poor can be solved, so that the abnormal financial service can be found in time (compared with the user finding), and thus, the corresponding processing (such as improving the monitoring security policy or performing fund recovery and the like) can be performed in time.
The above description is only a preferred embodiment of the present application and is not intended to limit the present application, and various modifications and changes may be made by those skilled in the art. Any modification, equivalent replacement, improvement and the like made within the spirit and principle of the present application shall be included in the protection scope of the present application.
Claims (6)
1. A financial service monitoring method based on a block chain is characterized in that the method is applied to a financial service checking platform, the financial service checking platform is in communication connection with a block chain financial service processing system, the block chain financial service processing system is in communication connection with a financial service request device, and the method comprises the following steps:
acquiring target financial service execution record information sent by the block chain financial service processing system, wherein the target financial service execution record information is formed after a target financial service request device requests the block chain financial service processing system to execute a target first financial service, and is stored through a target block chain deployed on the block chain financial service processing system;
determining corresponding target financial service request equipment based on the target financial service execution record information, and sending first request information to the target financial service request equipment;
if a financial service request behavior information set sent by the target financial service request equipment based on the first request information is obtained, analyzing and processing each piece of financial service request behavior information in the financial service request behavior information set respectively to obtain corresponding request behavior feature information, wherein the financial service request behavior information set comprises a plurality of pieces of financial service request behavior information, and each piece of financial service request behavior information requests the block chain financial service processing system to execute financial service formation based on the target financial service request equipment respectively;
dividing the plurality of pieces of financial service request behavior information into at least one financial service request behavior information subset according to the time sequence of each piece of financial service request behavior information in the financial service request behavior information set and the request behavior feature information corresponding to each piece of financial service request behavior information, wherein when the financial service request behavior information subset is multiple, the financial service request behavior information included in at least one financial service request behavior subset is multiple, and the financial service request behavior information included in at most one financial service request behavior subset is one, and the financial service request behavior information is the last and later financial service request behavior information based on the time sequence in the plurality of pieces of financial service request behavior information;
for each financial service request behavior information subset, performing identification processing on financial service request behavior information included in the financial service request behavior information subset based on whether corresponding request behavior characteristic information is the same or not;
for each financial service request behavior information subset, determining repeated financial service request behavior information in the financial service request behavior information subset based on the identification processing result;
for each financial service request behavior information subset, acquiring non-repeated financial service request behavior information and a piece of repeated financial service request behavior information which is closest to the non-repeated financial service request behavior information in time from the financial service request behavior information subset;
forming a financial service request behavior information sequence according to the time sequence based on the obtained non-repeated financial service request behavior information and the repeated financial service request behavior information;
acquiring a target behavior information sequence sent by financial service request equipment which requests to execute a first financial service for the most times, acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information in the target behavior information sequence, and forming a target characteristic information sequence;
acquiring request behavior characteristic information corresponding to each piece of financial service request behavior information in the financial service request behavior information sequence to form a request characteristic information sequence;
calculating a first similarity between the target characteristic information sequence and the request characteristic information sequence based on the characteristic information of one dimension included in the request behavior characteristic information, and judging whether the first similarity is greater than a first preset value;
if the first similarity is greater than the first preset value, calculating a second similarity between the target characteristic information sequence and the request characteristic information sequence based on the characteristic information of multiple dimensions included in the request behavior characteristic information, and judging whether the second similarity is greater than a second preset value, wherein the second preset value is smaller than the first preset value;
if the second similarity is greater than the second preset value, it may be determined that the target first financial transaction does not belong to an abnormal transaction.
2. The method for monitoring financial services based on blockchain according to claim 1, wherein the step of obtaining the target financial service execution record information sent by the blockchain financial service processing system includes:
judging whether a target first financial service needs to be checked based on preset conditions so as to determine whether the target first financial service belongs to abnormal services;
if the target first financial service needs to be checked, generating first notification information, and sending the first notification information to the block chain financial service processing system;
and acquiring the target financial service execution record information sent by the block chain financial service processing system based on the first notification information.
3. The method for monitoring financial services based on blockchain according to claim 2, wherein the step of determining whether the target first financial service needs to be checked based on the preset condition to determine whether the target first financial service belongs to an abnormal service includes:
judging whether second notification information sent by the block chain financial service processing system is received, wherein the second notification information is generated based on verification request information of other financial service request equipment except the target financial service request equipment, which is acquired by the block chain financial service processing system;
and when the second notification information is received, determining that the target first financial service needs to be checked, wherein the information for identifying the target first financial service in the first notification information is obtained based on the second notification information.
4. The method for monitoring financial services based on blockchain according to claim 2, wherein the step of determining whether the target first financial service needs to be checked based on the preset condition to determine whether the target first financial service belongs to an abnormal service includes:
judging whether second notification information sent by the blockchain financial service processing system is received, wherein the second notification information is generated based on the blockchain financial service processing system when financial service request equipment requesting to execute the first financial service in two adjacent times is different, the first financial service requested to be executed in the next time is a target first financial service requested to be executed by target financial service request equipment, or the financial services requested to be executed in the two adjacent times by the target financial service request equipment are not generated simultaneously, and the financial service requested to be executed in the next time is the target first financial service;
and when the second notification information is received, determining that the target first financial service needs to be checked, wherein the information for identifying the target first financial service in the first notification information is obtained based on the second notification information.
5. The blockchain-based financial transaction monitoring method according to any one of claims 1 to 4, further comprising:
if the financial service request behavior information set sent by the target financial service request equipment based on the first request information is not acquired, generating second request information;
sending the second request information to the target financial service request equipment, and performing first timing processing after sending the second request information;
if the first timing duration obtained by the first timing processing is longer than a first preset duration and a financial service request behavior information set sent by the target financial service request equipment based on the second request information is not obtained within the first timing duration, performing second timing processing;
in the process of performing the second timing processing, if a financial service request behavior information set sent by the target financial service request device based on the second request information is obtained and target information is not obtained, discarding the financial service request behavior information set;
judging whether a second timing duration obtained by performing the second timing processing is greater than a second preset duration, wherein the second preset duration is greater than the first preset duration;
and if the second timing duration is longer than the second preset duration, judging that the target first financial service belongs to abnormal services.
6. The blockchain-based financial transaction monitoring method of claim 5, further comprising:
when the second timing processing is started, sending third request information to the blockchain financial service processing system, wherein the blockchain financial service processing system is used for generating second equipment identification information based on the third request information, and the second equipment identification information is used for representing the financial service request equipment which requests to execute the first financial service for the most times;
acquiring the second equipment identification information sent by the block chain financial service processing system, and determining corresponding financial service request equipment based on the second equipment identification information;
sending fourth request information to the determined financial service request equipment, wherein the financial service request equipment is used for generating the target information when determining that the target first financial service does not belong to abnormal services based on the information of the target first financial service carried in the fourth request information;
and acquiring the determined target information sent by the financial service request equipment.
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| CN202110553602.XA CN113282454A (en) | 2020-09-23 | 2020-09-23 | Financial business monitoring method based on block chain |
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| CN202110553602.XA CN113282454A (en) | 2020-09-23 | 2020-09-23 | Financial business monitoring method based on block chain |
| CN202011005844.7A CN112200578A (en) | 2020-09-23 | 2020-09-23 | Financial service checking method and financial service checking platform based on block chain |
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| CN112669163B (en) * | 2021-01-20 | 2021-11-02 | 深圳市快付通金融网络科技服务有限公司 | Financial business management method and system based on big data and cloud computing |
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| CN107025559B (en) * | 2017-01-26 | 2020-09-18 | 创新先进技术有限公司 | Service processing method and device |
| CN108615153A (en) * | 2018-04-28 | 2018-10-02 | 百度在线网络技术（北京）有限公司 | Processing method, device, system, equipment and the storage medium of block chain data |
| US11669914B2 (en) * | 2018-05-06 | 2023-06-06 | Strong Force TX Portfolio 2018, LLC | Adaptive intelligence and shared infrastructure lending transaction enablement platform responsive to crowd sourced information |
| CN109740914A (en) * | 2018-12-28 | 2019-05-10 | 武汉金融资产交易所有限公司 | A kind of method, storage medium, equipment and system that financial business is assessed, recommended |
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| CN110390509A (en) * | 2019-06-19 | 2019-10-29 | 深圳市慧联动力智能科技有限公司 | Industry hatching method, system, equipment and storage medium Internet-based |
| CN111222109A (en) * | 2019-11-21 | 2020-06-02 | 腾讯科技（深圳）有限公司 | Operation method of block chain account, node equipment and storage medium |
| CN111343208B (en) * | 2020-05-21 | 2020-08-14 | 腾讯科技（深圳）有限公司 | Block chain-based data detection method and device and computer-readable storage medium |
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