CN113436016A

CN113436016A - Operation processing method, device and system based on block chain

Info

Publication number: CN113436016A
Application number: CN202110752051.XA
Authority: CN
Inventors: 石燕; 周新衡; 徐颖; 吴延生
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2021-06-29
Filing date: 2021-06-29
Publication date: 2021-09-24

Abstract

The invention discloses a method, a device and a system for processing operation based on a block chain, which relate to the field of block chains, wherein the method comprises the following steps: receiving a job request encrypted by a predetermined certificate, the job request comprising: job video image, job party information; decrypting the job request according to the preset certificate; in response to the success of decryption, performing risk level classification operation on the job video image and the job party information in the job request according to a preset rule; and executing corresponding operation on the job request according to the risk grade classification result. By the method and the device, dependence on an authorization network in a transaction process can be reduced, transaction risk control capability can be improved, and transaction success rate can be improved, so that experience of a user can be improved.

Description

Operation processing method, device and system based on block chain

Technical Field

The invention relates to the field of block chains, in particular to a method, a device and a system for processing operation based on a block chain.

Background

With the improvement of living standard of people, the scenes of foreign currency credit card consumption such as tourism, repair and the like are more and more. Foreign currency credit cards complete transactions overseas through a foreign card organization, and both an acquiring bank and a card issuing bank must access a foreign card organization network to perform transaction authorization. After the external card organization network evaluates the transaction risk, the low-risk transaction is authorized by the external card organization agent to complete the transaction authorization, and the non-low-risk transaction needs to be transferred to the card issuing bank to complete the transaction authorization.

This mode may reduce authorization costs for low risk transactions, but has the following disadvantages:

1. the transaction is routed to the corresponding card organization according to the credit card number, and if the corresponding card organization network in the transaction network cannot be connected, authorization cannot be completed.

2. The risk level of the defined transaction is judged and decided by the system of each card organization independently, which belongs to an independent decision mode and can not control the transaction risk initiated by the customer through different card organization networks at the same time.

3. The risk control between card organizations and each card issuing institution cannot be shared in time and sufficiently.

Disclosure of Invention

In view of the above, the present invention provides a method, an apparatus and a system for processing operations based on a block chain to solve at least one of the above-mentioned problems.

According to a first aspect of the present invention, there is provided a method for processing a job based on a block chain, the method comprising:

receiving a job request encrypted by a predetermined certificate, the job request comprising: job video image, job party information;

decrypting the job request according to the preset certificate;

in response to the success of decryption, performing risk level classification operation on the job video image and the job party information in the job request according to a preset rule;

and executing corresponding operation on the job request according to the risk grade classification result.

According to a second aspect of the present invention, there is provided a block chain-based job processing apparatus, the apparatus comprising:

a request receiving unit operable to receive a job request encrypted by a predetermined certificate, the job request including: job video image, job party information;

the decryption unit is used for decrypting the job request according to the preset certificate;

the risk classification unit is used for responding to the success of decryption and performing risk grade classification operation on the job video image and the job party information in the job request according to a preset rule;

and the execution unit is used for executing corresponding operation on the job request according to the risk grade division result.

According to a third aspect of the present invention there is provided a blockchain based job processing system, the system comprising: the system comprises a server located on a business client side and the above job processing device based on the block chain, wherein the server is used for encrypting a job request based on a preset certificate and sending the encrypted job request to the job processing device.

According to a fourth aspect of the present invention, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the program.

According to a fifth aspect of the invention, a computer-readable storage medium is provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method.

According to the technical scheme, after the received job request is successfully decrypted, the risk grade division operation is carried out on the job video image and the job party information in the job request according to the preset rule, and then the corresponding operation is executed on the job request according to the risk grade division result.

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 introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.

FIG. 1 is a block diagram of a block chain based job processing system according to an embodiment of the present invention;

fig. 2 is a block diagram of the configuration of a job processing apparatus 2 according to an embodiment of the present invention;

FIG. 3 is a schematic block diagram of a transaction authorization system according to an embodiment of the invention;

fig. 4 is a block diagram of the structure of a rights management server group 1 according to an embodiment of the present invention;

FIG. 5 is a schematic structural diagram of an order receiving device according to an embodiment of the present invention;

FIG. 6 is a block diagram of the acquirer server group 2 according to an embodiment of the present invention;

fig. 7 is a block diagram of the structure of a transaction authorization server group 3 according to an embodiment of the present invention;

FIG. 8 is a flow diagram of a transaction authorization process based on the exemplary system of FIG. 3, according to an embodiment of the invention;

FIG. 9 is a flowchart of a method of blockchain-based job processing according to an embodiment of the present invention;

fig. 10 is a schematic block diagram of a system configuration of an electronic apparatus 600 according to an embodiment of the present invention.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are 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.

At present, in the overseas consumption scene of foreign currency credit cards, low-risk transactions are authorized by a foreign card organization agent to complete transaction authorization, non-low-risk transactions need to be transferred to a card issuing bank to complete transaction authorization, and the method has the problems of low transaction success rate and poor transaction risk control capability, so that the experience of users is reduced. Based on this, the embodiment of the present invention provides a block chain-based job (also referred to as transaction) processing scheme, which depends on characteristics of decentralization, information non-tamper property, transparency, and the like of a block chain, so as to implement a block chain-based transaction authorization process, reduce dependence on an authorization network in a transaction process, improve transaction risk control capability, and improve transaction success rate, thereby improving user experience. Embodiments of the present invention are described in detail below with reference to the accompanying drawings.

Fig. 1 is a block diagram of a block chain-based job processing system according to an embodiment of the present invention, and as shown in fig. 1, the system includes: a server 1 on the client side for encrypting a job request transmitted from a client terminal based on a predetermined certificate and transmitting the encrypted job request to the job processing apparatus 2, and a block chain-based job processing apparatus 2, the job processing apparatus 2 receiving the job request and executing a corresponding operation, and then the job processing apparatus 2 transmitting an operation result to a job result receiving unit of the server 1 for receiving an operation result of executing the job request from the job processing apparatus.

The predetermined certificate referred to herein has a function of encrypting data or a message, and related certificates in the prior art may be used, which is not limited by the present invention.

The job processing apparatus 2 is described in detail below with reference to fig. 2.

As shown in fig. 2, the job processing apparatus 2 includes: request receiving unit 21, decryption unit 22, risk partitioning unit 23, and execution unit 24, wherein:

a request receiving unit 21 configured to receive a job request encrypted by a predetermined certificate, the job request including: job video images, job party information, transaction amount, etc.

And the decryption unit 22 is used for carrying out decryption operation on the job request according to the preset certificate.

And the risk classification unit 23 is used for responding to the success of decryption and performing risk grade classification operation on the job video image and the job party information in the job request according to a preset rule.

And the execution unit 24 is configured to execute a corresponding operation on the job request according to the risk classification result.

Specifically, the execution unit 24 includes: a transaction limit determination module and an execution module, wherein:

the transaction limit determining module is used for determining a preset transaction limit according to the risk grade dividing result, wherein different risk grades correspond to different limits;

and the execution module is used for responding to the transaction amount smaller than or equal to the transaction limit and executing the operation corresponding to the job request.

In specific implementation, when the transaction amount is larger than the transaction limit, the execution module refuses to execute the operation corresponding to the job request.

After the decryption unit 22 successfully decrypts the job request received by the request receiving unit 21, the risk classification unit 23 performs a risk classification operation on the job video image and the job party information in the job request according to a predetermined rule, and then the execution unit 24 performs a corresponding operation on the job request according to a risk classification result.

In practical operation, the risk classification unit 23 specifically includes: risk division module and risk result generation module, wherein:

the risk classification module is used for respectively carrying out risk grade classification operation on the job video image and the job party information according to a preset rule;

and the risk result generating module is used for generating a risk grade division result of the job request according to the risk grade of the job video image and the risk grade of the job party information.

In one embodiment, the risk result generating module specifically includes: a weight determination submodule and a risk result generation submodule, wherein:

the weight determining submodule is used for respectively determining the weights of the operation video image and the operation party information according to an analytic hierarchy process;

and the risk result generation submodule is used for generating a risk grade division result of the job request according to the risk grade and the weight of the job video image and the risk grade and the weight of the job party information.

In practical operation, the units, the modules and the sub-modules may be combined or may be arranged singly, and the present invention is not limited thereto.

For better understanding of the present invention, the following describes an embodiment of the present invention in detail with reference to an exemplary system shown in fig. 3, where the bottom layer of the exemplary system is a federation chain, and the consistency of ledger information of block chain receipt transaction can be achieved to complete transaction authorization. With this example system, foreign currency credit card consumption can be achieved.

Fig. 3 is a schematic structural diagram of a transaction authorization system according to an embodiment of the present invention, as shown in fig. 3, the system includes: the authority management server group 1, the acquirer server group 2, the transaction authorization server group 3 and the supervisor server group 4 are described below.

(1) Rights management server group 1

The authority management server group 1 is used as a leader role of all block chain networks in the system, consists of certificate issuing organizations, authorizes and manages all nodes in a transaction authorization alliance chain, and realizes node admission and exit control, authority control and the like.

Fig. 4 is a block diagram of a rights management server group 1, and as shown in fig. 4, the rights management server group 1 includes: block chain node registration module 10, block chain node authority control module 20, intelligent contract signing module 30, wherein:

the block chain link point registration module 10 is used for providing a registration function and credible authentication for each participant of the authorization alliance chain and generating a transaction certificate; and sending the transaction certificate and the key to the participants of the blockchain; the block chain node authority control module 20 manages the authority of each role in the block chain; intelligent contract signing module 30 is responsible for each blockchain participant to sign an intelligent contract and broadcast notifications to all participating nodes.

(2) Collection agency server group 2

The order receiving mechanism server group 2 has transaction authority and consists of an order receiving device of an order receiving merchant, an order receiving mechanism and an authenticated third-party payment mechanism server (corresponding to the server 1 positioned at the merchant end), wherein the order receiving device of the order receiving merchant collects transaction information and generates an order receiving transaction request; the order receiving mechanism and the third-party payment mechanism server receive an order receiving transaction request initiated by an order receiving merchant, generate and initiate a transaction authorization request, receive the transaction authorization request and return a result, and complete the order receiving transaction.

Fig. 5 is a schematic structural diagram of an order receiving device, which is additionally provided with a 360-degree-angle rotatable pinhole camera on a traditional order receiving device, and adopts a living body detection technology during transaction to verify whether a user operates for a real living body per se and resist fraudulent transaction behaviors; and acquiring transaction scene image information (corresponding to the operation video image) in real time, and sending the transaction scene image information to the transaction authorization server group for judging the transaction scene risk level.

As shown in fig. 5, 2-1 is a scanner for identifying the payment code information when the payer pays electronically; 2-2 is a collection voucher printing outlet used for printing collection voucher and other services; 2-3 is a magnetic stripe information reading interface used for reading the information of the magnetic stripe card of the payment party and completing the bill receiving business; 2-4 are entity input keys used for completing the input of money, the input confirmation of payer password and the like; 2-5 is an insertion interface used for reading the information of the bank IC card of the payer; 2-6 are NFC module induction areas used for reading information of the non-contact bank card of the payer; 2-7 are display screens used as windows with human-computer interaction functions; 2-8 are solar cell modules used for supplying power to the order receiving device; 2-9 are identity authentication media of teller of the order receiving merchant, and the identity authentication media are used for completing the authentication of opening the door of the order receiving merchant, the sign-in of the order receiving counter clerk, the secondary authorization of the transaction and the like; 2-10 are 360 degrees rotatable pinhole cameras for living body detection and transaction scene image information collection.

Fig. 6 is a block diagram showing the structure of the acquirer server group 2, and as shown in fig. 6, the acquirer server group 2 includes: the system comprises a chaining module 50, an order receiving merchant management module 60, an order receiving transaction module 70 and an authorization request interaction module 80, wherein:

the chaining module 50 is responsible for registering and registering in the transaction authorization alliance chain and acquiring the certificate; the order-receiving merchant management module 60 manages merchant information; the acquiring transaction module 70 receives an acquiring request initiated by a merchant, generates an intelligent contract authorization request transaction message (corresponding to the job request), and sends the intelligent contract authorization request transaction message to the transaction authorization server group 3 for authorization; the authorization request interaction module 80 receives the authorization message returned by the transaction authorization server group 3, and performs subsequent transaction processing.

3) Transaction authorization server group 3

The transaction authorization server group 3 (corresponding to the job processing device 2) has a transaction authorization authority, is composed of a card organization, a card issuing organization and an authenticated third party authorization authentication mechanism, receives a transaction authorization request, runs an intelligent contract, and generates a transaction authorization request return result.

Fig. 7 is a block diagram of a transaction authorization server group 3, and as shown in fig. 7, the transaction authorization server group 3 includes: intelligent contract management module 90, intelligent contract interaction module 100, intelligent contract execution module 110, monitor module 120, wherein:

the intelligent contract management module 90 is responsible for constructing a transaction authorization intelligent contract protocol and deploying a preset intelligent contract on the intelligent contract execution module; the intelligent contract interaction module 100 receives the intelligent contract authorization request transaction message, verifies the transaction according to the transaction certificate, and feeds back the intelligent contract execution result; the intelligent contract execution module 110 is responsible for executing the intelligent contract and completing transaction authorization; the monitoring module 120 detects the module running state, records a monitoring log, sends an authorization information acquisition request, and the like.

The setting of transaction authorization response conditions and response rules for the transaction authorization intelligent dating specifically comprises the following steps: the transaction authorization message standardizes contracts, transaction risk level contracts, transaction authorization forwarding contracts and the like. The transaction risk rating contracts include transaction mediums (e.g., credit cards, etc.), specials merchants (e.g., merchant blacklists, etc.), cardholders, transaction scenarios (e.g., whether to virtualize a transaction scenario, etc.), and transaction limit risk rating contracts. In order to achieve the transaction authorization consensus, a consensus algorithm corresponding to the type of the consensus mechanism is deployed in the intelligent contract management module.

(4) Supervisory agency server group 4

The supervision institution server group 4 has supervision and control authority, is composed of institutions with supervision functions such as people banks, Unionpay, Payment and clearing Association and banking affair supervision organizations, monitors any operation and abnormal state on the block chain, and triggers reward and punishment measures and the like. The supervising agency can acquire the transaction authorization information of the block chain through the supervising agency server group 4, and the transaction authorization information is used for data analysis, daily monitoring and the like.

Fig. 8 is a flow diagram of transaction authorization based on the above example system, as shown in fig. 8, the flow includes:

s100, authority management and distribution: the receiving organization, the authenticated card organization, the third-party payment organization, the card issuing organization and the monitoring organization apply for registering and joining the transaction authorization alliance chain, an intelligent contract and a public-private key pair are obtained, and the authority management server group 1 sets an authority control rule and stores the authority control rule into the block chain.

S200, deploying an authorized intelligent contract: and carrying out standardization and security check on the codes of the preset intelligent contracts, and deploying the preset intelligent contracts in the transaction authorization server group 3 after the codes pass the check.

The core components of the authorized intelligent contract include: the method comprises the following steps of transaction authorization message specification, transaction risk grade division specification, transaction authorization specification and the like, wherein: the transaction authorization message specification sets a message coding format, message components (including message component meanings, offset, length and the like), a data dictionary of each message component part and the like, and is used for authorization message interaction among a receiving bank, an issuing bank and an authorization node. The transaction authorization messages of the authority management server group, the acquirer server group and the transaction authorization server group are interacted, and the standard is strictly adhered to; the transaction risk grade division specification defines a transaction risk grade, a transaction risk grade judgment standard and the like; the transaction authorization standard establishes transaction authorization limit accumulation rules, authorization limits and the like of different transaction risk levels.

S300, sending a transaction authorization request: the order receiving mechanism server group 2 receives an order receiving request initiated by a merchant, generates a transaction unique identification code, then generates an intelligent contract authorization request transaction message, encrypts the intelligent contract authorization request transaction message through a transaction certificate, and then sends the encrypted intelligent contract authorization request transaction message to the transaction authorization server group 3.

S400, signature authentication: the transaction authorization server group 3 receives the intelligent contract authorization request transaction message, verifies the transaction according to the transaction certificate, and triggers the operation of the intelligent contract if the verification is passed; if the authentication is not passed, the authorization request is denied.

S500, operating an intelligent contract: the intelligent contract execution module runs the intelligent contract, completes the transaction risk level judgment according to the transaction risk level division standard and completes the authorization according to the transaction authorization standard.

Specifically, the authorization node first needs to define an issuer transaction risk model and an authorization policy according to a transaction risk policy formulated by an issuer. Secondly, defining a transaction risk model with local characteristics and an authorization strategy according to a local financial management system, a supervision policy and the like of the authorization node. A transaction authorization request, and if one of the authorization results is refusal, refusing the transaction authorization.

In actual operation, a transaction risk model and an authorization policy are defined, and a transaction risk decision factor and a transaction quota matrix need to be defined first. The transaction risk decision factor selects factors having important influence on transaction risk, and generally comprises a merchant risk level, a transaction medium risk level, a transaction scene risk level and the like. The transaction limit matrix appoints transaction limit accumulated dimension, transaction limit and the like corresponding to the transaction risk level, and the transaction limit matrix can be stored by adopting a multidimensional array. And then, calculating the weight of each decision factor by using a weight algorithm, calculating a final transaction risk level according to a weighted average algorithm, finally comparing the calculated transaction risk level with a corresponding transaction limit matrix, rejecting the transaction if the transaction amount is greater than any limit, and otherwise, authorizing the transaction.

In one embodiment, the weight of each decision factor may be obtained using an AHP (Analytic Hierarchy Process) method.

For example, the decision factors include a merchant risk level, a transaction medium risk level, and a transaction scenario risk level, the two are equally important, the transaction scenario risk level is the second important degree, and the important degree is 60% of the two, and then the instantiated importance degree forward-backward matrix is as follows:

importance degree forward and backward matrix

The normalized forward and reverse matrices are:

calculating the weight:

then, the weights of the merchant risk level, the transaction medium risk level and the transaction scenario risk level are as follows in sequence: 0.384674465, 0.384674465, 0.230651069.

To verify whether the above weights are usable, they can be verified based on the following consistency check formula:

wherein N is the number of decision factors.

The calculation process is as follows:

the result of the calculation is 0.00067<0.1, the consistency condition is satisfied, and the weight of the decision factor obtained by the above calculation is available.

Specifically, the transaction authorization policy execution flow is as follows:

if the transaction risk level is classified into 1-5 five levels, the higher the level is, the higher the risk is, and a certain transaction is calculated according to a risk model to obtain: and (3) calculating a final transaction risk grade according to a weighted average algorithm, wherein the final transaction risk grade is grade 5 of the merchant risk grade, grade 3 of the transaction medium risk grade and grade 1 of the transaction scene risk grade:

LEVEL＝[0.384674465*5+0.384674465*3+0.230651069*1]＝3.308046792

the transaction limit matrix is shown in table 1 below, for example:

TABLE 1

And the industry limit/merchant limit/cardholder limit corresponding to the calculated transaction risk level is AMT4/AMT9/AMT14 respectively, if the transaction request authorization amount is more than any limit after the transaction request authorization is accumulated according to the industry, merchant and cardholder dimensions, the transaction authorization is refused, and if the transaction request authorization amount is not more than any limit, the transaction authorization is passed.

S600, receiving an authorization result: and the order receiving mechanism server group 2 receives the authorization result and completes the order receiving transaction.

The embodiment of the invention depends on the characteristics of decentralization, information non-tamper property, transparency and the like of the block chain, and forms a transaction authorization alliance chain by an external card organization network, a card issuing organization network, a third party payment mechanism network, a certification mechanism network and a supervision mechanism network authorized by related departments, thereby realizing the unified management and the unified authorization of transaction risks and having the following advantages:

uniformly establishing and issuing transaction authorization intelligent contracts, unifying message specifications, and only developing a set of authorization interfaces for an acquirer and an issuer which are added to an authorization alliance chain;

the method does not rely on a single card organization network or a card issuing organization network, reduces the probability caused by the fact that authorization cannot be completed because the card cannot be connected to a specific card organization network, and improves the transaction success rate, thereby improving the experience of users;

through the transaction risk level contract, a transaction risk decision mode is changed, the decision of a single specific card organization system or a card issuing organization system is changed into the decision of an authorization module group, the decision accuracy is improved, and the bank credit card loan bad-account risk is reduced.

Based on similar inventive concepts, the embodiment of the present invention further provides a block chain-based job processing method, which is preferably applicable to the job processing apparatus 2 described above.

Fig. 9 is a flowchart of the job processing method, which includes, as shown in fig. 9:

step 901, receiving a job request encrypted by a predetermined certificate, the job request comprising: job video images, job party information, transaction amount, etc.

And step 902, performing decryption operation on the job request according to the predetermined certificate.

And step 903, in response to the successful decryption, performing risk level division operation on the job video image and the job party information in the job request according to a preset rule.

Specifically, the job video image and the job party information may be subjected to risk level classification operation according to a predetermined rule; and then generating a risk grade division result of the job request according to the risk grade of the job video image and the risk grade of the information of the job party.

In one embodiment, the weights of the job video image and the job side information may be determined according to an analytic hierarchy process; and then generating a risk grade division result of the job request according to the risk grade and the weight of the job video image and the risk grade and the weight of the information of the job party.

And 904, executing corresponding operation on the job request according to the risk grade division result.

Specifically, a preset transaction limit is determined according to the risk grade division result; and when the transaction amount is less than or equal to the transaction limit, executing the operation corresponding to the job request, otherwise, refusing to execute the operation corresponding to the job request.

According to the embodiment of the invention, when a transaction is carried out, the transaction authorization process based on the block chain is realized by depending on the characteristics of decentralization, information non-tamper property, transparency and the like of the block chain.

For the specific implementation process of the above steps, reference may be made to the description in the above system/apparatus embodiments, and details are not described here.

The present embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, and the like, but is not limited thereto. In this embodiment, the electronic device may refer to the above method embodiment and the embodiment of the operation processing apparatus/system based on the block chain, and the contents thereof are incorporated herein, and repeated descriptions are omitted.

Fig. 10 is a schematic block diagram of a system configuration of an electronic apparatus 600 according to an embodiment of the present invention. As shown in fig. 10, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. Notably, this diagram is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.

In one embodiment, the blockchain-based job processing functionality may be integrated into the central processor 100.

The central processor 100 may be configured to control as follows:

decrypting the job request according to the preset certificate;

As can be seen from the above description, according to the electronic device provided in the embodiment of the present application, after a received job request is decrypted successfully, a risk level classification operation is performed on a job video image and job party information in the job request according to a predetermined rule, and then a corresponding operation is performed on the job request according to a risk level classification result.

In another embodiment, the work processing apparatus/system based on the block chain may be configured separately from the central processor 100, for example, the work processing apparatus/system based on the block chain may be configured as a chip connected to the central processor 100, and the work processing function based on the block chain is realized by the control of the central processor.

As shown in fig. 10, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in FIG. 10; furthermore, the electronic device 600 may also comprise components not shown in fig. 10, which may be referred to in the prior art.

As shown in fig. 10, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.

The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.

The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.

The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.

The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).

The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.

An embodiment of 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 implement the steps of the above-mentioned block chain-based job processing method.

In summary, the embodiments of the present invention relate to a block chain technology, and an authorization alliance chain is formed by an external card organization network authorized by a relevant department and a third party payment mechanism network by depending on characteristics of decentralization, information non-tamper-ability, transparency, and the like of a block chain, so that unified management and unified authorization of transaction risks are realized, dependence on an authorization network in a transaction process is also reduced, transaction risk control capability is improved, transaction success rate is improved, and further, user experience is improved.

The preferred embodiments of the present invention have been described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments which fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.

As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.

The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.

These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.

The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.

Claims

1. A method for processing jobs based on a blockchain, the method comprising:

decrypting the job request according to the preset certificate;

2. The method of claim 1, wherein performing a risk ranking operation on the job video image and the job party information in the job request according to a predetermined rule comprises:

respectively carrying out risk grade division operation on the job video image and the job party information according to a preset rule;

and generating a risk grade division result of the job request according to the risk grade of the job video image and the risk grade of the information of the job party.

3. The method of claim 2, wherein generating a risk ranking result for the job request based on the risk ranking of the job video image and the risk ranking of the job party information comprises:

respectively determining the weights of the operation video image and the operation party information according to an analytic hierarchy process;

and generating a risk grade division result of the job request according to the risk grade and the weight of the job video image and the risk grade and the weight of the information of the job party.

4. The method of claim 2, wherein the job request further comprises: and performing corresponding operation on the job request according to the risk grade division result, wherein the transaction amount comprises the following steps:

determining a preset transaction limit according to the risk grade division result;

and responding to the transaction amount smaller than or equal to the transaction limit, and executing operation corresponding to the job request.

5. A blockchain-based job processing apparatus, the apparatus comprising:

6. The apparatus of claim 5, wherein the risk classification unit comprises:

7. The apparatus of claim 6, wherein the risk result generation module comprises:

8. The apparatus of claim 6, wherein the job request further comprises: a transaction amount, the execution unit comprising:

the transaction limit determining module is used for determining a preset transaction limit according to the risk grade dividing result;

9. A blockchain-based job processing system, the system comprising: a server on a business premises for encrypting a job request based on a predetermined certificate and transmitting the encrypted job request to the job processing apparatus, and the blockchain-based job processing apparatus according to any one of claims 5 to 8.

10. The system of claim 9, wherein the server further comprises:

a job result receiving unit configured to receive an operation result of the execution job request from the job processing apparatus.

11. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 4 are implemented when the processor executes the program.

12. 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 of any one of claims 1 to 4.