CN113409053A - Risk control method and device for virtual currency legal currency transaction - Google Patents
Risk control method and device for virtual currency legal currency transaction Download PDFInfo
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Abstract
The invention provides a risk control method and a device for virtual currency legal currency transaction, which relate to the technical field of risk control and comprise the following steps: crawling out target merchants from a target platform, wherein the target platform comprises: the virtual currency transaction platform and the legal currency transaction place are used for enabling a target merchant to be a merchant selling virtual currency; generating a virtual purchase order for the target merchant; acquiring the public information of a target merchant based on the virtual purchase order; the method comprises the steps of establishing a virtual currency account risk library by utilizing the public information of a target merchant, and carrying out risk control on the virtual currency French currency transaction by utilizing the currency account risk library, so that the technical problem that the transaction risk exists in the virtual currency French currency transaction in the prior art is solved.
Description
Technical Field
The invention relates to the technical field of risk control, in particular to a risk control method and device for virtual currency legal currency transaction.
Background
With the rapid development of the blockchain technology, the virtual currency based on the blockchain technology is hot and hot day by day, and more people are also added into the wave of purchasing the virtual currency, and in order to control the risk caused by the big rise and fall of the virtual currency, the third association issues a notice at 2021, 5 and 18 days: the method comprises the following steps of developing exchange business between legal currency and virtual currency exchange and between the legal currency and the virtual currency, buying and selling the virtual currency as a central counterparty, providing information intermediary and pricing service for virtual currency transaction, issuing and financing token and trading derivatives of the virtual currency, violating relevant laws and regulations, and detecting criminal activities such as illegal collection of resources, illegal issuance of securities, illegal issuance of token tickets and the like, and detecting that the transaction of the legal currency of the virtual currency is not slow.
No effective solution has been proposed to the above problems.
Disclosure of Invention
In view of the above, the present invention provides a risk control method and apparatus for virtual currency legal tender transaction, so as to alleviate the technical problem of transaction risk in the virtual currency legal tender transaction in the prior art.
In a first aspect, an embodiment of the present invention provides a risk control method for a virtual currency legal tender transaction, including: crawling out a target merchant from a target platform, wherein the target platform comprises: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency; generating a virtual purchase order for the target merchant; acquiring the public information of the target merchant based on the virtual purchase order; and constructing a virtual currency account risk library by using the public information of the target merchant, and performing risk control on the virtual currency legal currency transaction by using the currency account risk library.
Further, the public information includes at least one of: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
Further, the method for constructing the virtual currency account risk library by using the public information of the target merchant comprises the following steps: encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information; and constructing a virtual currency account risk library by using the encrypted public information.
Further, the risk control of the virtual currency legal currency transaction by using the currency account number risk library comprises the following steps: acquiring an actual purchase order sent by a user, and determining the public information of a merchant corresponding to the actual purchase order; and if the public information of the merchant corresponding to the actual purchase order is different from the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk database, sending prompt information to the user.
Further, the method further comprises: and if the public information of the merchant corresponding to the actual purchase order is the target information in the virtual currency account risk library, sending prompt information to a user and blocking the actual purchase order, wherein the target information is the public information with transaction risk.
In a second aspect, an embodiment of the present invention further provides a risk control device for a virtual currency legal tender transaction, including: the system comprises a crawling unit, a generating unit, an acquiring unit and a constructing unit, wherein the crawling unit is used for crawling out target merchants from a target platform, and the target platform comprises: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency; the generating unit is used for generating a virtual purchase order for the target merchant; the obtaining unit is used for obtaining the public information of the target merchant based on the virtual purchase order; the construction unit is used for constructing a virtual currency account risk library by utilizing the public information of the target merchant and carrying out risk control on the virtual currency legal currency transaction by utilizing the currency account risk library.
Further, the public information includes at least one of: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
Further, the building unit is configured to: constructing a virtual currency account risk library by using the public information of the target merchant, wherein the method comprises the following steps: encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information; and constructing a virtual currency account risk library by using the encrypted public information.
In a third aspect, an embodiment of the present invention further provides an electronic device, including a memory and a processor, where the memory is used to store a program that supports the processor to execute the method in the first aspect, and the processor is configured to execute the program stored in the memory.
In a fourth aspect, the present invention further provides a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to perform the steps of the method in the first aspect.
In an embodiment of the present invention, a target merchant is crawled from a target platform, wherein the target platform comprises: the virtual currency transaction platform and the legal currency transaction place are used for enabling a target merchant to be a merchant selling virtual currency; generating a virtual purchase order for the target merchant; acquiring the public information of a target merchant based on the virtual purchase order; the method comprises the steps of establishing a virtual currency account risk library by utilizing the public information of a target merchant, and performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library, so that the purpose of performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library is achieved, the technical problem that the transaction risk exists in the virtual currency legal currency transaction in the prior art is solved, and the technical effect of reducing the transaction risk of the virtual currency legal currency transaction is achieved.
Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.
In order to make the aforementioned and other objects, features and advantages of the present invention comprehensible, preferred embodiments accompanied with figures are described in detail below.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a risk control method for a virtual currency legal tender transaction according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a risk control device for legal money transaction in virtual currency according to an embodiment of the present invention;
fig. 3 is a schematic diagram of an electronic device according to an embodiment of the present invention.
Detailed Description
To make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings, and it is apparent that the described embodiments are some, but not all embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The first embodiment is as follows:
in accordance with an embodiment of the present invention, there is provided an embodiment of a risk control method for virtual currency legal exchange, it being noted that the steps illustrated in the flowchart of the drawings may be performed in a computer system such as a set of computer-executable instructions and that, although a logical order is illustrated in the flowchart, in some cases, the steps illustrated or described may be performed in an order different than that described herein.
Fig. 1 is a flowchart of a risk control method for a virtual currency legal tender transaction according to an embodiment of the present invention, as shown in fig. 1, the method includes the steps of:
step S102, a target merchant is crawled out from a target platform, wherein the target platform comprises: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency;
in particular, a crawler may be utilized to crawl from a virtual currency transaction platform and legal exchange to merchants selling virtual currency.
Step S104, generating a virtual purchase order for the target merchant;
in particular, the purchase is automated using a crawler, without payment, to generate a virtual purchase order for each target merchant.
Step S106, based on the virtual purchase order, obtaining the public information of the target merchant;
specifically, after the virtual purchase order of each target merchant is obtained, the crawler program is used for crawling out the public information of the target merchant contained in each virtual order.
It should be noted that the public information includes at least one of the following: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
And S108, constructing a virtual currency account risk library by utilizing the public information of the target merchant, and carrying out risk control on the virtual currency legal currency transaction by utilizing the currency account risk library.
In an embodiment of the present invention, a target merchant is crawled from a target platform, wherein the target platform comprises: the virtual currency transaction platform and the legal currency transaction place are used for enabling a target merchant to be a merchant selling virtual currency; generating a virtual purchase order for the target merchant; acquiring the public information of a target merchant based on the virtual purchase order; the method comprises the steps of establishing a virtual currency account risk library by utilizing the public information of a target merchant, and performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library, so that the purpose of performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library is achieved, the technical problem that the transaction risk exists in the virtual currency legal currency transaction in the prior art is solved, and the technical effect of reducing the transaction risk of the virtual currency legal currency transaction is achieved.
In the embodiment of the present invention, step S108 includes the following steps:
step S11, encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information;
and step S12, constructing a virtual currency account risk library by using the encrypted public information.
In the embodiment of the present invention, after the public information of the target merchant is obtained, the public information may be encrypted by using an MD5 encryption algorithm to obtain the encrypted public information.
And then storing the encrypted public information into a Mysql database, thereby obtaining a pseudo-currency account risk database.
In this embodiment of the present invention, step S108 further includes the following steps:
step S21, acquiring an actual purchase order sent by a user, and determining the public information of a merchant corresponding to the actual purchase order;
step S22, if the public information of the merchant corresponding to the actual purchase order is different from the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk database, sending prompt information to the user;
step S23, if the public information of the merchant corresponding to the actual purchase order is the target information in the virtual currency account risk library, sending a prompt message to the user and blocking the actual purchase order, where the target information is the public information with the transaction risk.
In the embodiment of the invention, when a user initiates an actual purchase order, the public information of a merchant corresponding to the actual purchase order is obtained from the actual purchase order.
If the public information of the merchant corresponding to the actual purchase order is different from the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk library, prompting information such as communication with a user telephone or sending a short message prompt can be used for informing the user of taking an order with caution, and the transaction may have transaction risk.
If the public information of the merchant corresponding to the actual purchase order is the same as the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk library, whether target information exists in the public information of the merchant corresponding to the actual purchase order is judged, for example, if the bank card account of the target merchant is a risk bank card and the bank card account of the target merchant is a bank frozen card number, the transaction corresponding to the actual purchase order can be directly blocked, or prompt information is sent to the user.
It should be noted that, if the user is also the target merchant, the user may obtain the public information of the user when initiating the actual purchase order, and if the public information of the user is the target information, the transaction corresponding to the actual purchase order also needs to be blocked, so as to prevent the user from performing asset replacement.
Example two:
the embodiment of the invention also provides a risk control device for virtual currency legal tender transaction, which is used for executing the risk control method for virtual currency legal tender transaction provided by the embodiment of the invention.
As shown in fig. 2, fig. 2 is a schematic view of the risk control device for the virtual currency legal tender transaction, which includes: the crawling unit 10, the generating unit 20, the acquiring unit 30 and the constructing unit 40.
The crawling unit 10 is configured to crawl a target merchant from a target platform, where the target platform includes: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency;
the generating unit 20 is configured to generate a virtual purchase order for the target merchant;
the obtaining unit 30 is configured to obtain public information of the target merchant based on the virtual purchase order;
the constructing unit 40 is configured to construct a virtual currency account risk library by using the public information of the target merchant, and perform risk control on the virtual currency legal currency transaction by using the currency account risk library.
In an embodiment of the present invention, a target merchant is crawled from a target platform, wherein the target platform comprises: the virtual currency transaction platform and the legal currency transaction place are used for enabling a target merchant to be a merchant selling virtual currency; generating a virtual purchase order for the target merchant; acquiring the public information of a target merchant based on the virtual purchase order; the method comprises the steps of establishing a virtual currency account risk library by utilizing the public information of a target merchant, and performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library, so that the purpose of performing risk control on the virtual currency legal currency transaction by utilizing the currency account risk library is achieved, the technical problem that the transaction risk exists in the virtual currency legal currency transaction in the prior art is solved, and the technical effect of reducing the transaction risk of the virtual currency legal currency transaction is achieved.
Preferably, the public information comprises at least one of: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
Preferably, the construction unit is configured to: constructing a virtual currency account risk library by using the public information of the target merchant, wherein the method comprises the following steps: encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information; and constructing a virtual currency account risk library by using the encrypted public information.
Further, the building unit is configured to obtain an actual purchase order sent by a user, and determine public information of a merchant corresponding to the actual purchase order; and if the public information of the merchant corresponding to the actual purchase order is different from the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk database, sending prompt information to the user.
Preferably, the constructing unit is configured to send prompt information to a user and block the actual purchase order if the public information of the merchant corresponding to the actual purchase order is target information in the virtual currency account risk library, where the target information is public information with a transaction risk.
Example three:
an embodiment of the present invention further provides an electronic device, including a memory and a processor, where the memory is used to store a program that supports the processor to execute the method described in the first embodiment, and the processor is configured to execute the program stored in the memory.
Referring to fig. 3, an embodiment of the present invention further provides an electronic device 100, including: the device comprises a processor 50, a memory 51, a bus 52 and a communication interface 53, wherein the processor 50, the communication interface 53 and the memory 51 are connected through the bus 52; the processor 50 is arranged to execute executable modules, such as computer programs, stored in the memory 51.
The Memory 51 may include a high-speed Random Access Memory (RAM) and may also include a non-volatile Memory (non-volatile Memory), such as at least one disk Memory. The communication connection between the network element of the system and at least one other network element is realized through at least one communication interface 53 (which may be wired or wireless), and the internet, a wide area network, a local network, a metropolitan area network, and the like can be used.
The bus 52 may be an ISA bus, PCI bus, EISA bus, or the like. The bus may be divided into an address bus, a data bus, a control bus, etc. For ease of illustration, only one double-headed arrow is shown in FIG. 3, but this does not indicate only one bus or one type of bus.
The memory 51 is used for storing a program, the processor 50 executes the program after receiving an execution instruction, and the method executed by the apparatus defined by the flow process disclosed in any of the foregoing embodiments of the present invention may be applied to the processor 50, or implemented by the processor 50.
The processor 50 may be an integrated circuit chip having signal processing capabilities. In implementation, the steps of the above method may be performed by integrated logic circuits of hardware or instructions in the form of software in the processor 50. The Processor 50 may be a general-purpose Processor, and includes a Central Processing Unit (CPU), a Network Processor (NP), and the like; the device can also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field-Programmable Gate Array (FPGA), or other Programmable logic devices, discrete Gate or transistor logic devices, discrete hardware components. The various methods, steps and logic blocks disclosed in the embodiments of the present invention may be implemented or performed. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like. The steps of the method disclosed in connection with the embodiments of the present invention may be directly implemented by a hardware decoding processor, or implemented by a combination of hardware and software modules in the decoding processor. The software module may be located in ram, flash memory, rom, prom, or eprom, registers, etc. storage media as is well known in the art. The storage medium is located in the memory 51, and the processor 50 reads the information in the memory 51 and completes the steps of the method in combination with the hardware thereof.
Example four:
the embodiment of the present invention further provides a computer-readable storage medium, where a computer program is stored on the computer-readable storage medium, and when the computer program is executed by a processor, the computer program performs the steps of the method in the first embodiment.
In addition, in the description of the embodiments of the present invention, unless otherwise explicitly specified or limited, the terms "mounted," "connected," and "connected" are to be construed broadly, e.g., as meaning either a fixed connection, a removable connection, or an integral connection; can be mechanically or electrically connected; they may be connected directly or indirectly through intervening media, or they may be interconnected between two elements. The specific meanings of the above terms in the present invention can be understood in specific cases to those skilled in the art.
In the description of the present invention, it should be noted that the terms "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc., indicate orientations or positional relationships based on the orientations or positional relationships shown in the drawings, and are only for convenience of description and simplicity of description, but do not indicate or imply that the device or element being referred to must have a particular orientation, be constructed and operated in a particular orientation, and thus, should not be construed as limiting the present invention. Furthermore, the terms "first," "second," and "third" are used for descriptive purposes only and are not to be construed as indicating or implying relative importance.
In the several embodiments provided in the present application, it should be understood that the disclosed system, apparatus and method may be implemented in other ways. The above-described embodiments of the apparatus are merely illustrative, and for example, the division of the units is only one logical division, and there may be other divisions when actually implemented, and for example, a plurality of units or components may be combined or integrated into another system, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection of devices or units through some communication interfaces, and may be in an electrical, mechanical or other form.
The units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units can be selected according to actual needs to achieve the purpose of the solution of the embodiment.
In addition, functional units in the embodiments of the present invention may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit.
Finally, it should be noted that: the above-mentioned embodiments are only specific embodiments of the present invention, which are used for illustrating the technical solutions of the present invention and not for limiting the same, and the protection scope of the present invention is not limited thereto, although the present invention is described in detail with reference to the foregoing embodiments, those skilled in the art should understand that: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (10)
1. A risk control method for a virtual currency legal exchange is characterized by comprising the following steps:
crawling out a target merchant from a target platform, wherein the target platform comprises: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency;
generating a virtual purchase order for the target merchant;
acquiring the public information of the target merchant based on the virtual purchase order;
and constructing a virtual currency account risk library by using the public information of the target merchant, and performing risk control on the virtual currency legal currency transaction by using the currency account risk library.
2. The method of claim 1, wherein:
the public information includes at least one of: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
3. The method of claim 1, wherein constructing a virtual currency account risk base using the target merchant's public information comprises:
encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information;
and constructing a virtual currency account risk library by using the encrypted public information.
4. The method of claim 1, wherein risk controlling the virtual currency legal exchange transaction using the currency account number risk library comprises:
acquiring an actual purchase order sent by a user, and determining the public information of a merchant corresponding to the actual purchase order;
and if the public information of the merchant corresponding to the actual purchase order is different from the public information of the merchant corresponding to the actual purchase order stored in the virtual currency account risk database, sending prompt information to the user.
5. The method of claim 4, further comprising:
and if the public information of the merchant corresponding to the actual purchase order is the target information in the virtual currency account risk library, sending prompt information to a user and blocking the actual purchase order, wherein the target information is the public information with transaction risk.
6. A risk control device for a virtual currency legal exchange, comprising: a crawling unit, a generating unit, an obtaining unit and a constructing unit, wherein,
the crawling unit is used for crawling out target merchants from a target platform, wherein the target platform comprises: the system comprises a virtual currency transaction platform and a legal currency transaction place, wherein the target merchant is a merchant selling virtual currency;
the generating unit is used for generating a virtual purchase order for the target merchant;
the obtaining unit is used for obtaining the public information of the target merchant based on the virtual purchase order;
the construction unit is used for constructing a virtual currency account risk library by utilizing the public information of the target merchant and carrying out risk control on the virtual currency legal currency transaction by utilizing the currency account risk library.
7. The apparatus of claim 6,
the public information includes at least one of: the payment account number of the target merchant, the WeChat account number of the target merchant, the bank card account number of the target merchant and the mobile phone number of the target merchant.
8. The apparatus of claim 6, wherein the construction unit is configured to:
constructing a virtual currency account risk library by using the public information of the target merchant, wherein the method comprises the following steps:
encrypting the public information of the target merchant by using a preset encryption algorithm to obtain encrypted public information;
and constructing a virtual currency account risk library by using the encrypted public information.
9. An electronic device comprising a memory for storing a program that enables a processor to perform the method of any of claims 1 to 5 and a processor configured to execute the program stored in the memory.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method according to any one of the claims 1 to 5.
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| US20190147420A1 (en) * | 2017-11-15 | 2019-05-16 | Mastercard International Incorporated | Systems and methods for virtual currency exchange at a mobile event |
| CN109598425A (en) * | 2018-11-22 | 2019-04-09 | 阿里巴巴集团控股有限公司 | The method, device and equipment that a kind of pair of risk subjects are managed |
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