CN115022030A

CN115022030A - Bank business handling request processing method and device based on block chain

Info

Publication number: CN115022030A
Application number: CN202210613149.1A
Authority: CN
Inventors: 孙泳; 毛莹; 杨帆
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-05-31
Filing date: 2022-05-31
Publication date: 2022-09-06
Anticipated expiration: 2042-05-31
Also published as: CN115022030B

Abstract

The invention discloses a banking business handling request processing method and device based on a block chain, relating to the technical field of the block chain, wherein the method comprises the following steps: uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; receiving a banking transaction request of a target client; sending the banking business handling request to a node of a target client corresponding to the block chain; receiving a biological characteristic verification result of the banking business handling request fed back by the node; in the biometric verification result representation: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client. The invention can improve the accuracy of the identification of the client and the accuracy and the safety of the processing of the banking business handling request.

Description

Bank business handling request processing method and device based on block chain

Technical Field

The invention relates to the technical field of block chains, in particular to a banking business handling request processing method and device based on a block chain.

Background

This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.

With the development of science and technology, the online banking business handling becomes more and more popular. Identification is therefore becoming increasingly important to financial institutions and individuals. At present, identity authentication is generally performed by using a single identity feature so as to determine whether to transact for a client. However, the above method for identity authentication using a single identity feature still has the following loopholes:

1. the identification can not be carried out due to the problem that the biological characteristics of the client are difficult to collect, for example, the face recognition has the problem of confusion on twins, and for example, the fingerprint recognition can not be used for detecting people who work for a long time or have fingerprint loss due to reasons;

2. the process of verifying the biological characteristics of the client inevitably causes the problem of wrong verification;

due to the phenomenon, the identity authentication of the client is easy to cause problems, the accuracy of the identity authentication of a bank is low, the security problem that the bank business of the client fails to work due to errors of the biological characteristic verification is easy to cause property loss, and the use experience of the client is influenced.

Disclosure of Invention

The embodiment of the invention provides a banking business handling request processing method based on a block chain, which is used for improving the accuracy of client identity authentication, improving the accuracy and safety of banking business handling request processing and improving the use experience of a client, and comprises the following steps:

dividing different biological characteristic data of a target client into main biological characteristic data and auxiliary biological characteristic data;

uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client;

receiving a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified;

sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node;

in the biometric verification result representation: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

The embodiment of the invention also provides a banking business handling request processing device based on the block chain, which is used for improving the accuracy of the identity authentication of the client, improving the accuracy and the safety of the banking business handling request processing and improving the use experience of the client, and comprises the following steps:

the biological characteristic dividing module is used for dividing different biological characteristic data of the target client into main biological characteristic data and auxiliary biological characteristic data;

the data uploading module is used for uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client;

the banking business handling request receiving module is used for receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified;

the banking business handling request sending module is used for sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node;

the banking transaction processing request processing module is used for displaying the following biological characteristic verification results: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the banking business transaction request processing method based on the block chain when executing the computer program.

The embodiment of the invention also provides a computer readable storage medium, which stores a computer program, and when the computer program is executed by a processor, the banking business transaction request processing method based on the block chain is realized.

An embodiment of the present invention further provides a computer program product, where the computer program product includes a computer program, and when executed by a processor, the computer program implements the banking business transaction request processing method based on the block chain.

In the embodiment of the invention, different biological characteristic data of a target client are divided into main biological characteristic data and auxiliary biological characteristic data; uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client; receiving a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified; sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node; in the biometric verification result representation: when the main biological characteristic data to be verified corresponds to the target client and at least one slave biological characteristic data to be verified corresponds to the target client, the target client is confirmed to be the client and the banking transaction request of the target client is processed, compared with the technical scheme that only single identity characteristic is used for identity authentication and business transaction in the prior art, the main biological characteristic data and the slave biological characteristic data stored in a block chain are used for carrying out biological characteristic verification on the banking transaction request, so that after the target client is confirmed to be the client, the banking transaction request of the target client is processed, the client identity can be authenticated by means of multiple biological characteristics, the accuracy rate of client identity authentication is improved, and the safety problem that the banking transaction of the client is mistaken due to errors of biological characteristic verification in the prior art is also avoided, the accuracy and the safety of the processing of the banking business handling request are improved, and the use experience of a client is improved.

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

fig. 1 is a schematic flow chart of a banking transaction request processing method based on a block chain in an embodiment of the present invention;

fig. 2 is a diagram illustrating a specific example of a banking transaction request processing method based on a block chain according to an embodiment of the present invention;

fig. 3 is a schematic structural diagram of a banking transaction request processing apparatus based on a block chain according to an embodiment of the present invention;

FIG. 4 is a diagram illustrating an exemplary embodiment of a device for processing a banking transaction request according to a blockchain;

fig. 5 is a diagram illustrating a specific example of a banking transaction request processing apparatus based on a blockchain according to an embodiment of the present invention;

FIG. 6 is a diagram illustrating an exemplary embodiment of a device for processing a banking transaction request according to a blockchain;

FIG. 7 is a diagram illustrating an exemplary embodiment of a device for processing a banking transaction request according to a blockchain;

FIG. 8 is a diagram illustrating an exemplary embodiment of a device for processing banking transaction requests based on blockchains according to the present invention;

FIG. 9 is a diagram illustrating an exemplary embodiment of a device for processing banking transaction requests based on blockchains according to the present invention;

FIG. 10 is a diagram of a computer device for processing banking transaction requests based on blockchains in 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 more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.

The term "and/or" herein merely describes an associative relationship, meaning that three relationships may exist, e.g., a and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. In addition, the term "at least one" herein means any one of a plurality or any combination of at least two of a plurality, for example, including at least one of A, B, C, and may mean including any one or more elements selected from the group consisting of A, B and C.

In the description of the present specification, the terms "comprising," "including," "having," "containing," and the like are used in an open-ended fashion, i.e., to mean including, but not limited to. Reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.

According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.

With the development of science and technology, the online handling of banking business becomes widespread, and thus identification becomes more and more important for financial institutions and individuals. However, identity authentication by using a single identity feature still has a leak in theory, for example, face recognition has a confusion problem for twins, and fingerprint recognition cannot detect people who work for a long time or have fingerprint loss due to reasons.

On this background, embodiments of the present invention provide a method for fusing single features to improve the deficiency of single-feature identity authentication, and provide an identity recognition system based on multiple features, and meanwhile, to ensure the accuracy and invariability of the recognition result, a block chain is used to store the biometric features.

Therefore, the banking transaction request processing method based on the blockchain provided by the embodiment of the present invention can be used to improve the accuracy of the identity authentication of the client, improve the accuracy and the security of the banking transaction request processing, and improve the user experience of the client, and referring to fig. 1, the method may include:

step 101: dividing different biological characteristic data of a target client into main biological characteristic data and auxiliary biological characteristic data;

step 102: uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client;

step 103: receiving a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified;

step 104: sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node;

step 105: in the biometric verification result representation: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

In specific implementation, different biometric data of a target client are divided into master biometric data and slave biometric data.

In the embodiment, different biological characteristic data of the target client are divided into the main biological characteristic data and the auxiliary biological characteristic data, so that multi-biological-characteristic client identity authentication with the main biological characteristic data as the main part and the auxiliary biological characteristic data as the auxiliary part can be realized in the subsequent steps.

In one embodiment, further comprising:

acquiring different biological characteristic data of a target client from historical banking transaction data of the target client; the historical banking transaction data comprises: the historical data of different types of biological characteristics for identity authentication when the user transacts banking business.

In the above embodiment, different biometric data of the target client may be obtained from historical banking transaction data of the target client, and used to determine historical data of different types of biometric features for performing authentication when the user performs banking transaction in subsequent steps.

In one embodiment, the dividing the different biometric data of the target client into the master biometric data and the slave biometric data, as shown in fig. 2, comprises:

step 201: acquiring the times of successfully carrying out identity authentication on different biological characteristic data of a target client from historical banking transaction data of the target client;

step 202: and taking the biological characteristic data with the largest number of successful identity authentication as the main biological characteristic data.

In the above embodiment, the biometric data with the largest number of successful identity authentications may be used as the master biometric data, and the other biometric data may be used as the slave biometric data, so that the multi-biometric client identity authentication may be implemented in the subsequent steps with the master biometric data as the master and the slave biometric data as the slave.

In specific implementation, after different biological characteristic data of a target client are divided into main biological characteristic data and slave biological characteristic data, the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client are uploaded to a node corresponding to the target client in a block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client.

In the embodiment, based on decentralization and non-real-name of the block chain technology, the invention can reach the height of high requirement on identity verification in the financial field aiming at the financial field, and in the occasion of handling online business such as signing and closing and the like needing identity verification of the user, the block chain technology can be introduced into the scene to ensure the matching of biological characteristics and the user, so as to construct a plurality of models for identity recognition. The embodiment of the invention uploads the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target client in the block chain, so that the node can establish a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data, and the multi-biological characteristic client identity authentication taking the main biological characteristic data as the main and the slave biological characteristic data as the auxiliary can be realized in the subsequent steps.

In one embodiment, the non-biometric data of the target client comprises: identity information of the target customer;

uploading the master biometric data, the slave biometric data and the non-biometric data of the target client to a node corresponding to the target client in the blockchain, comprising:

matching the identity information of the target client with the IDs of the nodes corresponding to different clients in the block chain, and determining the target ID of the node corresponding to the identity information of the target client;

and uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target ID in the block chain.

In the above embodiment, the user dimension may be nodes, and the identification number may be used as a unique identifier of the user, and each node stores the non-biological feature and the biological feature related to the user and the identification result. The identity information of the target client is matched with the IDs of the nodes corresponding to different clients in the block chain, and the target ID of the node corresponding to the identity information of the target client is determined, so that the main biological characteristic data, the auxiliary biological characteristic data and the non-biological characteristic data of the target client are uploaded to the node corresponding to the target ID in the block chain, and the confidentiality of the client information is facilitated.

In one embodiment, further comprising:

establishing a characteristic map corresponding to a client corresponding to a node in a block chain; the characteristic map comprises main biological characteristic data, one or more auxiliary biological characteristic data to be verified and non-biological characteristic data.

In the above embodiment, by establishing the feature map corresponding to the node and corresponding to the client, the client information can be stored systematically, the identified client and the identity feature can be associated, and it is ensured that each client is associated with a unique and tamper-proof main feature map, so as to improve the identification accuracy.

In the above embodiment, the identity recognition method comparing the current situation mainly includes deep learning and a conventional method, but no matter which method is used, the same type of features are processed, and the difference between the accuracy of image recognition caused by learning of low-level features and high-level features is distinguished, but the current identity recognition technology ignores the importance of the previous recognition result, and when the same situation is encountered next time, only new judgment can be made by the system, and the new judgment of the system has a possibility of misjudgment. Currently, a system for associating recognized images and features is lacking, and when the same scene and features are encountered, the recognition of the same result as before cannot be guaranteed. The embodiment of the invention introduces the block chain technology, which is beneficial to storing the identification result and the characteristics, preventing impersonation and imitation and being safer in application.

In one embodiment, the nodes in the blockchain may be authenticated for different biometrics as follows:

1. firstly, storing biological characteristics of a client such as fingerprints, irises, human faces and the like on a chain, simultaneously encrypting and storing non-biological characteristics of the client such as certificate numbers, mobile phone numbers, bank card numbers and the like, and setting main biological characteristics and secondary biological characteristics;

2. when the user transacts the online identity authentication service, the financial institution compares the similarity of the biological characteristics input by the user with the similar characteristics on the chain;

3. and taking the on-chain user data corresponding to the identified characteristic information as a candidate value, matching the on-chain user biological characteristics with the biological characteristics input by the user by taking the biological characteristics of the on-chain user as a true value, handling the person under the condition that the main biological characteristics and at least one secondary biological characteristics are successfully identified and all the non-biological characteristics are matched, and simultaneously storing the verification condition and the characteristics in the data of the on-chain user and broadcasting the verification condition and the characteristics to other nodes on the chain.

4. If the user biological characteristics are missing or inaccurate, the user needs to perform offline association or update the biological characteristics of the user. The model can associate the identified customers with the identity characteristics at the same time, and ensures that each customer associates a unique and non-falsifiable main characteristic map so as to improve the identification accuracy.

In specific implementation, after uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain, receiving a banking business transaction request of the target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated.

In the above embodiment, an instruction may be issued to the client to ask the client to submit one or more of the slave biometric data to be authenticated and the master biometric data to be authenticated; one or more slave biological characteristic data to be verified and master biological characteristic data to be verified submitted by a client can be obtained through the mobile phone bank APP.

In one embodiment, the biometric verification model comprises a biometric verification deep learning model;

the method further comprises the following steps:

aiming at the biological characteristics of each kind, the node establishes a biological characteristic verification deep learning model corresponding to the biological characteristic data of the kind according to the following modes:

establishing a biological characteristic data training set according to the historical verification data of the biological characteristics of the type; the historical verification data is the biological characteristic data to be verified of the type and the historical data of the corresponding verification result;

training a deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model; the biological characteristic verification deep learning model is used for outputting a verification result corresponding to the biological characteristic to be verified according to the input biological characteristic to be verified.

As an example, establishing a biometric verification deep learning model for the category of biometric data may be performed as follows:

1. manufacturing a training data set of the multi-feature recognition model of the user by adopting a method of expanding the data set;

2. establishing a characteristic recognition model based on a neural network, and training the model by using the established data set; the obtained biological characteristic verification deep learning models can correspond to each biological characteristic one by one;

3. building a block chain, and formulating storage rules and nodes of user information and primary and secondary characteristics on the chain;

4. and performing an online identity authentication scene by using the trained model, and storing the recognition result on the block chain.

5. And expanding the training set by using the data of the recognition result to continuously optimize the training model.

Further, the deep learning model can be built based on training data sets and algorithms for expanding the data sets, and using big data to grab and wash relevant data.

In the process of carrying out biological feature recognition by using the deep learning model, the operation condition of the server can be monitored, and the operation condition comprises the overall information such as network condition, sCPU and memory information, disk occupation condition statistics, node performance indexes such as cpu load, HTTP service state, SSH service state, zombie process number and disk IO rate, and the like, so that the performance of the machine in the process of model training and use can be adjusted according to the basic performance indexes, and the recognition efficiency of the algorithm can be adjusted. Wherein, the larger the data amount is, the higher the performance requirement of the device is.

In the above embodiment, the block chain is used to store the user real feature data, which ensures the accuracy and non-tamper property of the data on the chain and expands the training set of the model.

In one embodiment, the block chain can be used to store the user real feature data, which can enlarge the training set of the model while ensuring the accuracy and non-tamper property of the data on the chain.

In one embodiment, manual identification and model identification scenes can be unified, and for scenes which can be determined by manual work in percentage, the model is not used for identification, and results are directly stored on a block chain as data to perform feature network optimization. If the user directly handles the scenes such as business and the like which face to face with the user on line, the characteristics of the user are only required to be stored in the block chain without identification.

If the determined feature data is directly stored in the manually identified scene, the on-chain search and identification can be omitted, and the functions can be changed or deleted according to the actual situation.

In one embodiment, further comprising:

establishing a biological characteristic data verification set according to the historical verification data of the biological characteristics of the type;

and verifying the biological characteristic verification deep learning model by using the biological characteristic data training set to obtain the biological characteristic verification deep learning model passing verification.

In the embodiment, the biological characteristic verification deep learning model passing the verification is obtained by verifying the biological characteristic verification deep learning model, so that the accuracy of the biological characteristic verification deep learning model can be improved.

In specific implementation, after receiving a banking service handling request of a target client, sending the banking service handling request to a node of a block chain corresponding to the target client; and receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node.

In the embodiment, by receiving the biometric verification results of the banking transaction requests fed back by different biometric verification models in the nodes, whether the target client is the client can be confirmed in the subsequent steps, and the banking transaction requests of the target client are correspondingly processed.

In specific implementation, a banking business handling request is sent to a node of a target client corresponding to a block chain; after receiving the biometric verification results of the banking transaction requests fed back by different biometric verification models in the nodes, the biometric verification results are expressed as follows: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

In the embodiment, the identity recognition can be accurately carried out at the present of the rapid development of informatization, and the identity recognition technology based on biological characteristics in the embodiment of the invention is the best choice for the identity recognition. The current biological identification technology comprises identification technology based on single biological characteristics and identification technology based on multiple biological characteristics, and research shows that the multiple characteristic identification technology is better than the single biological characteristic identification technology.

In one embodiment, the banking request further carries: non-biological characteristic data to be verified;

the method further comprises the following steps:

receiving the identity verification result of the node on the non-biological characteristic data to be verified;

in the biometric verification result representation: when the master biometric data to be verified corresponds to the target client and at least one slave biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and the method comprises the following steps:

in the biometric verification result representation: and when the identity verification result shows that the non-biological characteristic data to be verified corresponds to the target client, the target client is confirmed to be the client.

In the above-described embodiment, by confirming whether the biometric authentication result indicates: when the main biometric data to be verified corresponds to the target client, and at least one auxiliary biometric data to be verified corresponds to the target client, and when the authentication result shows that the non-biometric data to be verified corresponds to the target client, the purpose of confirming whether the target client is the client can be achieved more accurately.

In one embodiment, further comprising:

in the biometric verification result representation: and when the main biological characteristic data to be verified does not correspond to the target client or when one auxiliary biological characteristic data to be verified does not correspond to the target client, confirming that the target client is not the client, stopping processing the banking service handling request of the target client, and sending out warning information that the target client fails in authentication and cannot process the banking service handling request.

In the embodiment, the alarm information that the target client identity verification fails and cannot process the banking business handling request is sent out, so that the problem of identity authentication of the client can be timely solved, the accuracy and the safety of processing the banking business handling request can be favorably improved, and the use experience of the client can be favorably improved.

In one embodiment, further comprising:

and uploading the banking transaction request of the target client and the result of determining whether the target client is the client to a node corresponding to the target client in the block chain.

In the embodiment, the relevant data is recorded in the block chain, so that the management personnel can be assisted to fetch and read the process at any time, and the management personnel can find the bugs and defects in the process; meanwhile, the staff can also call and read the content of the uploading record, so that the data in the process can be traced, the accuracy of the authenticity of the data is verified, and the accuracy of the process is improved.

In the embodiment of the invention, different biological characteristic data of a target client are divided into main biological characteristic data and auxiliary biological characteristic data; uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client; receiving a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified; sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the bank business transaction request fed back by different biological characteristic verification models in the node; in the biometric verification result representation: when the main biological characteristic data to be verified corresponds to the target client and at least one slave biological characteristic data to be verified corresponds to the target client, the target client is confirmed to be the client and the banking transaction request of the target client is processed, compared with the technical scheme that only single identity characteristic is used for identity authentication and business transaction in the prior art, the main biological characteristic data and the slave biological characteristic data stored in a block chain are used for carrying out biological characteristic verification on the banking transaction request, so that after the target client is confirmed to be the client, the banking transaction request of the target client is processed, the client identity can be authenticated by means of multiple biological characteristics, the accuracy rate of client identity authentication is improved, and the safety problem that the banking transaction of the client is mistaken due to errors of biological characteristic verification in the prior art is also avoided, the accuracy and the safety of the processing of the banking business handling request are improved, and the use experience of a client is improved.

As described above, the embodiments of the present invention may use the blockchain technique to store the biological characteristics and non-biological characteristics of all users and the identification results of each time, and use the on-chain characteristic data as the true value to perform the identity authentication, so as to store the characteristic information of the user using the system, and in turn perform the data analysis; the method can greatly improve the accuracy of identity identification, help the on-line way identity authentication to be traceable and not to be tampered, and protect the safety of user information.

The embodiment of the invention also provides a banking business handling request processing device based on the block chain, which is as described in the following embodiments. Because the principle of solving the problems of the device is similar to the banking business handling request processing method based on the block chain, the implementation of the device can refer to the implementation of the banking business handling request processing method based on the block chain, and repeated parts are not described again.

The banking transaction request processing device based on the block chain provided by the embodiment of the invention is used for improving the accuracy of the identity authentication of a client, improving the accuracy and the safety of the processing of the banking transaction request and improving the use experience of the client, and as shown in fig. 3, the device comprises:

a biometric dividing module 301, configured to divide different biometric data of a target client into master biometric data and slave biometric data;

a data uploading module 302, configured to upload the master biometric data, the slave biometric data, and the non-biometric data of the target client to a node corresponding to the target client in the blockchain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client;

a banking transaction request receiving module 303, configured to receive a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified;

a banking transaction request sending module 304, configured to send a banking transaction request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node;

a banking transaction request processing module 305 for processing the biometric authentication result indicating: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

In one embodiment, further comprising:

a biometric data acquisition module to:

the data uploading module is specifically used for:

and uploading the main biological characteristic data, the auxiliary biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target ID in the block chain.

In one embodiment, the biometric determination module is specifically configured to:

acquiring the times of successfully carrying out identity authentication on different biological characteristic data of a target client from historical banking transaction data of the target client;

and taking the biological characteristic data with the largest number of successful identity authentication as the main biological characteristic data.

In one embodiment, the banking request further carries: non-biological characteristic data to be verified; as shown in fig. 4, the apparatus further includes:

a non-biometric feature verification module 401 configured to:

receiving an identity verification result of the node on the non-biological characteristic data to be verified;

the banking business handling request processing module is specifically used for:

In one embodiment, the biometric verification model comprises a biometric verification deep learning model; as shown in fig. 5, the apparatus further includes:

a model training module 501, configured to:

In one embodiment, as shown in fig. 6, further includes:

a model verification module 601 configured to:

and verifying the biological characteristic verification deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model passing verification.

In one embodiment, as shown in fig. 7, further comprising:

a feature map establishing module 701, configured to:

In one embodiment, as shown in fig. 8, further includes:

a recording module 801 configured to:

In one embodiment, as shown in fig. 9, further includes:

an alarm module 901, configured to:

A specific embodiment is given below to illustrate a specific application of the apparatus of the present invention, and in this embodiment, the following modules may be included:

1. user information input maintenance module

Storing real personal information entered by a user in an off-line scene, including biometric and non-biometric features

2. Building block chain

Building a block chain of an identity recognition system, setting each mechanism as a node, and formulating a storage rule of user data

3. On-chain storage and query module

Storing verification results on blockchains, querying user information, querying characteristics on chains, and the like

4. Feature identification module

Matching the on-chain features with the features input by the user, finding out the on-chain user data and carrying out feature recognition

Of course, it should be understood that other variations of the above-described detailed modules may be adopted, and all the related variations should fall into the protection scope of the present invention.

An embodiment of the present invention provides a computer device for implementing all or part of contents in the foregoing method for processing a banking transaction request based on a block chain, where the computer device specifically includes the following contents:

a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the computer device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the computer device may be implemented with reference to the embodiment of the method for implementing a banking-service-handling request processing method based on a blockchain and the embodiment of the apparatus for implementing a banking-service-handling request processing apparatus based on a blockchain in the embodiments, and the contents of the computer device are incorporated herein, and repeated parts are not described again.

Fig. 10 is a schematic block diagram of a system configuration of a computer apparatus 1000 according to an embodiment of the present application. As shown in fig. 10, the computer apparatus 1000 may include a cpu 1001 and a memory 1002; the memory 1002 is coupled to the cpu 1001. Notably, this fig. 10 is exemplary; other types of structures may also be used in addition to or in place of the structures to implement telecommunications or other functions.

In one embodiment, the banking request processing function based on blockchain may be integrated into the central processor 1001. The cpu 1001 may be configured to perform the following control:

In another embodiment, the banking-transaction-request processing device based on the block chain may be configured separately from the central processor 1001, for example, the banking-transaction-request processing device based on the block chain may be configured as a chip connected to the central processor 1001, and the banking-transaction-request processing function based on the block chain is realized by the control of the central processor.

As shown in fig. 10, the computer apparatus 1000 may further include: a communication module 1003, an input unit 1004, an audio processor 1005, a display 1006, a power supply 1007. It is noted that the computer device 1000 does not necessarily include all of the components shown in FIG. 10; furthermore, the computer device 1000 may also comprise components not shown in fig. 10, which can be referred to in the prior art.

As shown in fig. 10, the central processing unit 1001, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, and the central processing unit 1001 receives input and controls the operation of the various components of the computer apparatus 1000.

The memory 1002 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 cpu 1001 can execute the program stored in the memory 1002 to realize information storage or processing, or the like.

The input unit 1004 provides input to the cpu 1001. The input unit 1004 is, for example, a key or a touch input device. The power supply 1007 is used to supply power to the computer apparatus 1000. The display 1006 is used for displaying display objects such as images and characters. The display may be, for example, but is not limited to, an LCD display.

The memory 1002 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 1002 may also be some other type of device. Memory 1002 includes buffer memory 1021 (sometimes referred to as a buffer). The memory 1002 may include an application/function storage part 1022, the application/function storage part 1022 being used for storing application programs and function programs or a flow for executing the operation of the computer device 1000 by the central processing unit 1001.

The memory 1002 may also include a data store 1023, the data store 1023 being used to store data such as contacts, digital data, pictures, sounds and/or any other data used by the computer device. Driver storage 1024 of memory 1002 may include various drivers for the computer device for communication functions and/or for performing other functions of the computer device (e.g., messaging applications, directory applications, etc.).

The communication module 1003 is a transmitter/receiver 1003 that transmits and receives signals via an antenna 1008. A communication module (transmitter/receiver) 1003 is coupled to the central processor 1001 to provide an input signal and receive an output signal, which may be the same as the case of a conventional mobile communication terminal.

Based on different communication technologies, a plurality of communication modules 1003, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same computer device. The communication module (transmitter/receiver) 1003 is also coupled to a speaker 1009 and a microphone 1010 via an audio processor 1005 to provide audio output via the speaker 1009 and receive audio input from the microphone 1010 to implement general telecommunications functions. The audio processor 1005 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 1005 is also coupled to the central processor 1001, so that sound can be recorded locally through the microphone 1010, and so that locally stored sound can be played through the speaker 1009.

In the embodiment of the invention, different biological characteristic data of a target client are divided into main biological characteristic data and auxiliary biological characteristic data; uploading the main biological characteristic data, the slave biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target client in the block chain; the node is used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological characteristic verification model is used for verifying the biological characteristics to be verified of the client and determining whether the biological characteristics to be verified correspond to the client; receiving a banking transaction request of a target client; the banking transaction request carries: one or more slave biometric data to be verified and master biometric data to be verified; sending the banking business handling request to a node of a target client corresponding to the block chain; receiving the biological characteristic verification result of the banking business handling request fed back by different biological characteristic verification models in the node; in the biometric verification result representation: when the main biological characteristic data to be verified corresponds to the target client and at least one slave biological characteristic data to be verified corresponds to the target client, the target client is confirmed to be the client and the banking transaction request of the target client is processed, compared with the technical scheme of performing identity authentication and transaction only by using a single identity characteristic in the prior art, the banking transaction request is subjected to biological characteristic verification by using the main biological characteristic data and the slave biological characteristic data stored in a block chain, so that after the target client is confirmed to be the client, the banking transaction request of the target client is processed, the client identity can be identified by means of multiple biological characteristics, the accuracy of client identity authentication is improved, and the safety problem of client banking transaction errors caused by errors of biological characteristic verification in the prior art is avoided, the accuracy and the safety of the processing of the banking business handling request are improved, and the use experience of a client is improved.

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 above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims

1. A banking business transaction request processing method based on a block chain is characterized by comprising the following steps:

2. The method of claim 1, further comprising:

3. The method of claim 1, wherein the non-biometric data of the target customer comprises: identity information of the target customer;

4. The method of claim 1, wherein dividing the different biometric data of the target client into master and slave biometric data comprises:

5. The method of claim 1, wherein the banking transaction request further carries: non-biological characteristic data to be verified;

the method further comprises the following steps:

6. The method of claim 1, wherein the biometric verification model comprises a biometric verification deep learning model;

the method further comprises the following steps:

aiming at the biological characteristics of each category, the node establishes a biological characteristic verification deep learning model corresponding to the biological characteristic data of the category as follows:

establishing a biological characteristic data training set according to historical verification data of the biological characteristics of the type; the historical verification data is the biological characteristic data to be verified of the type and the historical data of the corresponding verification result;

7. The method of claim 6, further comprising:

8. The method of claim 1, further comprising:

establishing a characteristic map corresponding to a client corresponding to a node in a block chain; the feature profile comprises master biometric data, one or more slave biometric data to be verified, and non-biometric data.

9. The method of claim 1, further comprising:

10. The method of claim 1, further comprising:

11. A banking transaction request processing apparatus based on a blockchain, comprising:

the banking business handling request processing module is used for displaying the following biometric authentication results: and when the main biological characteristic data to be verified corresponds to the target client and at least one auxiliary biological characteristic data to be verified corresponds to the target client, confirming that the target client is the client, and processing the banking transaction request of the target client.

12. The apparatus of claim 11, further comprising:

a biometric data acquisition module to:

13. The apparatus of claim 11, wherein the non-biometric data of the target customer comprises: identity information of the target customer;

the data uploading module is specifically used for:

14. The apparatus of claim 11, wherein the biometric differentiation module is specifically configured to:

15. The apparatus of claim 11, wherein the banking transaction request further carries: non-biological characteristic data to be verified;

the device, still include:

a non-biometric feature verification module to:

16. The apparatus of claim 11, wherein the biometric verification model comprises a biometric verification deep learning model; the device, still include:

a model training module to:

17. The apparatus of claim 16, wherein the apparatus further comprises:

a model validation module to:

18. The apparatus of claim 11, further comprising:

a feature profile creation module to:

19. The apparatus of claim 11, further comprising:

a recording module to:

20. The apparatus of claim 11, further comprising:

an alarm module for:

in the biometric verification result representation: when the main biological characteristic data to be verified does not correspond to the target client or when one secondary biological characteristic data to be verified does not correspond to the target client, confirming that the target client is not the client, stopping processing the banking transaction request of the target client, and sending out the warning information that the target client fails in authentication and cannot process the banking transaction request.

21. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 10 when executing the computer program.

22. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any one of claims 1 to 10.

23. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 10.