CN115022030B - Bank business handling request processing method and device based on blockchain - Google Patents

Bank business handling request processing method and device based on blockchain Download PDF

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CN115022030B
CN115022030B CN202210613149.1A CN202210613149A CN115022030B CN 115022030 B CN115022030 B CN 115022030B CN 202210613149 A CN202210613149 A CN 202210613149A CN 115022030 B CN115022030 B CN 115022030B
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target client
biological characteristic
verification
biometric
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CN115022030A (en
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孙泳
毛莹
杨帆
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Bank of China Ltd
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0861—Network architectures or network communication protocols for network security for authentication of entities using biometrical features, e.g. fingerprint, retina-scan
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
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    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L67/00—Network arrangements or protocols for supporting network services or applications
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Abstract

The invention discloses a banking business handling request processing method and device based on a blockchain, and relates to the technical field of blockchains, wherein the method comprises the following steps: uploading the main biological characteristic data, the secondary biological characteristic data and the non-biological characteristic data of the target client to nodes corresponding to the target client in the blockchain; receiving a banking business handling request of a target client; transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving a biological characteristic verification result of the banking business handling request fed back by the node; the biometric verification result shows that: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed. The invention can improve the accuracy of the identity authentication of the client and the accuracy and the safety of the handling request processing of banking business.

Description

Bank business handling request processing method and device based on blockchain
Technical Field
The invention relates to the technical field of blockchains, in particular to a blockchain-based banking business handling request processing method and device.
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 technology, online banking business handling is becoming more and more popular. Identification is 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 disadvantages:
1. The problem that the identification cannot be performed due to the fact that the collection of the biological characteristics of the clients is difficult, such as the problem that the human face recognition is confusing to twins, and the problem that the fingerprint recognition cannot be detected to people who are working for a long time or have lost fingerprints due to reasons;
2. The verification process of the biological characteristics of the clients inevitably causes the problem of false verification;
Because of the phenomenon, the identity authentication of the client is easy to cause problems, the accuracy rate of the identity authentication of the bank is low, and the security problem that the client banking business is handled by mistake due to the fact that the biometric authentication is wrong is easily caused, so that property loss is caused, 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 blockchain, which is used for improving the accuracy of customer identity authentication, improving the accuracy and the safety of banking business handling request processing and improving the use experience of customers, 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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
Transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
the biometric verification result shows that: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
The embodiment of the invention also provides a banking business handling request processing device based on the blockchain, 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 a 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 secondary 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; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
The banking business handling request receiving module is used for receiving banking business handling requests of target clients; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
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 blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
The banking business handling request processing module is used for representing the biological characteristic verification result: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
The embodiment of the invention also provides computer equipment, which comprises a memory, a processor and a computer program stored on the memory and capable of running on the processor, wherein the processor realizes the banking business handling 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, wherein the computer readable storage medium stores a computer program, and the computer program realizes the blockchain-based banking transaction request processing method when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, wherein the computer program realizes the banking business handling request processing method based on the blockchain when being executed by a processor.
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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client; receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated; transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes; the biometric verification result shows that: 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, the target client is confirmed to be the client, and the banking business handling request of the target client is processed.
Drawings
In order to more clearly illustrate the embodiments of the invention or the technical solutions in the prior art, the drawings that are required in the embodiments or the description of the prior art will be briefly described, it being obvious that the drawings in the following description are only some embodiments of the invention, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. In the drawings:
FIG. 1 is a flow chart of a blockchain-based banking transaction request processing method in an embodiment of the invention;
FIG. 2 is a block chain-based banking transaction request processing method according to an embodiment of the present invention;
FIG. 3 is a schematic diagram of a block chain-based banking transaction request processing device in accordance with an embodiment of the present invention;
FIG. 4 is a schematic diagram of a block chain-based banking transaction request processing device according to an embodiment of the present invention;
FIG. 5 is a block chain based banking transaction request processing device according to an embodiment of the present invention;
FIG. 6 is a block chain based banking transaction request processing device according to an embodiment of the present invention;
FIG. 7 is a block chain based banking transaction request processing device according to an embodiment of the present invention;
FIG. 8 is a block chain based banking transaction request processing device according to an embodiment of the present invention;
FIG. 9 is a block chain based banking transaction request processing device according to an embodiment of the present invention;
FIG. 10 is a schematic diagram of a computer device for blockchain-based banking transaction request processing in accordance with an embodiment of the present invention.
Detailed Description
For the purpose of making the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention will be described in further detail with reference to the accompanying drawings. The exemplary embodiments of the present invention and their descriptions herein are for the purpose of explaining the present invention, but are not to be construed as limiting the invention.
The term "and/or" is used herein to describe only one relationship, meaning that there may be three relationships, e.g., a and/or B, which may mean: a exists alone, A and B exist together, 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, 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 open-ended terms, meaning including, but not limited to. The description of the reference 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, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The order of steps involved in the embodiments is illustrative of the practice of the application, and is not limited and may be suitably modified as desired.
The technical scheme of the application obtains, stores, uses, processes and the like the data, which all meet the relevant regulations of national laws and regulations.
With the development of technology, online banking becomes popular, so that identification is becoming more and more important for financial institutions and individuals. However, in theory, the single identity feature is used for identity authentication, so that the problem that human face recognition is confusing to twins exists, and fingerprint recognition cannot be detected for people who are working for a long time or have lost fingerprints due to reasons.
Under the background, the embodiment of the invention provides a single feature fusion to improve the defect of single feature identity authentication, and provides a multi-feature-based identity recognition system, and meanwhile, in order to ensure the accuracy and the non-changeability of a recognition result, the biological features are stored by using a blockchain.
Therefore, the blockchain-based banking business handling request processing method provided by the embodiment of the invention can be used for improving the accuracy of customer identity authentication, improving the accuracy and the safety of banking business handling request processing and improving the use experience of customers, and referring to fig. 1, the method can comprise the following steps:
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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; the nodes are used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
Step 103: receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
Step 104: transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
Step 105: the biometric verification result shows that: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; the nodes are used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client; receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated; transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes; the biometric verification result shows that: 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, the target client is confirmed to be the client, and the banking business handling request of the target client is processed.
In the implementation, different biological characteristic data of a target client are firstly divided into main biological characteristic data and auxiliary biological characteristic data.
In an embodiment, by dividing different biometric data of the target client into master biometric data and slave biometric data, the client identity authentication of multiple biometric data, which is mainly the master biometric data and secondarily the slave biometric data, can be achieved in a subsequent step.
In one embodiment, further comprising:
Acquiring different biological characteristic data of a target client from historical banking business handling data of the target client; the historical banking transaction data includes: history data of different kinds of biological characteristics for authentication when a user performs banking transaction.
In the above embodiment, the different biometric data of the target client may be obtained from the historical banking transaction data of the target client, and used to determine, in a subsequent step, the historical data of different types of biometric data for authentication when the user performs banking transaction.
In one embodiment, the different biometric data of the target client is divided into master biometric data and slave biometric data, as shown in fig. 2, comprising:
Step 201: acquiring the number of times that the target client successfully performs identity authentication by using different biological characteristic data from historical banking business handling data of the target client;
Step 202: and taking the biometric data with the largest number of successful identity authentication as main biometric data.
In the above embodiment, the biometric data with the largest number of successful identity authentication may be used as the master biometric data, and other biometric data may be used as the slave biometric data, so that the client identity authentication with the master biometric data as the master and the slave biometric data as the slave may be implemented in the subsequent steps.
In the implementation, after different biological characteristic data of a target client are divided into main biological characteristic data and auxiliary biological characteristic data, the main biological characteristic data, the auxiliary biological characteristic data and non-biological characteristic data of the target client are uploaded to nodes of corresponding target clients in a blockchain; the nodes are used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client.
In the above embodiment, based on the decentralization and the non-real naming of the blockchain technology, the invention can be aimed at the financial field, can reach the height with high requirement on identity verification in the financial field, and can be used for constructing a plurality of models for identity recognition in the occasions of handling on-line services such as signing and matching and the like and needing identity verification of the person, so as to ensure the matching of biological characteristics and the person, the blockchain technology can be introduced into the above scenes. The embodiment of the invention uploads the main biological characteristic data, the secondary biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target client in the blockchain, 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 client identity authentication of multiple biological characteristics taking the main biological characteristic data as the main and the secondary biological characteristic data as the auxiliary can be realized in the subsequent steps.
In one embodiment, the non-biometric data of the target client includes: identity information of the target client;
Uploading the master biometric data, the slave biometric data, and the non-biometric data of the target client to a node of the blockchain corresponding to the target client, comprising:
Matching the identity information of the target client with the IDs of the nodes corresponding to different clients in the blockchain, 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 secondary biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target ID in the blockchain.
In the above embodiment, the user dimension may be a node, the identification card number is used as a unique identifier of the user, and each node stores the non-biological feature and 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 blockchain, and the target ID of the node corresponding to the identity information of the target client is determined so as to upload the main biological characteristic data, the secondary biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target ID in the blockchain, thereby being beneficial to realizing confidentiality of the client information.
In one embodiment, further comprising:
Establishing a characteristic map of a client corresponding to a node in a block chain; the characteristic map includes master biometric data, one or more slave biometric data to be verified, and non-biometric data.
In the embodiment, by establishing the characteristic spectrum corresponding to the client corresponding to the node, the client information can be systematically stored, the identified client and the identity characteristic can be associated, and each client is ensured to associate a unique and tamper-proof main characteristic spectrum, so that the identification accuracy is improved.
In the above embodiment, compared with the current identity recognition method mainly comprises deep learning and a traditional method, but no matter what method is used, the same type of characteristics are processed, the difference is only caused by learning of low-level characteristics and high-level characteristics, the difference of image recognition accuracy is different, the importance of the past recognition result is ignored by the current identity recognition technology, and when the same situation is met next time, new judgment can only be made by the system, and the new judgment of the system has the possibility of misjudgment. There is currently a lack of a system for correlating identified images with features that would not guarantee that the same result as before would be identified when the same scene and feature were encountered. The embodiment of the invention introduces the blockchain technology, which is helpful for preserving the identification result and the characteristics, preventing the impersonation and the imitation, and is safer in application.
In one embodiment, nodes in the blockchain may perform the identification of different biological features as follows:
1. Firstly, storing biological characteristics of a client such as fingerprints, irises, faces and the like on a chain, simultaneously encrypting and storing non-biological characteristics such as certificate numbers, mobile phone numbers, bank card numbers and the like, and setting main biological characteristics and secondary biological characteristics;
2. When a user handles an online identity authentication service, a financial institution uses biological characteristics input by the user to carry out similarity comparison with similar characteristics on a chain;
3. And taking the user data on the chain corresponding to the identified characteristic information as a candidate value, matching the biological characteristics of the user on the chain with the biological characteristics input by the user by taking the biological characteristics of the user on the chain as true values, describing the handling person as the principal under the condition that the main biological characteristics and at least one secondary biological characteristic are successfully identified and the non-biological characteristics are completely coincident, and broadcasting the verification condition and the characteristics in the data of the user on the chain to other nodes on the chain.
4. If the user biometric is missing or not in criterion, the user needs to associate or update his own biometric offline. The model can correlate the identified clients with the identity features, so that each client is guaranteed to correlate a unique and untampered main feature map, and the identification accuracy is improved.
In the implementation, after the main biological characteristic data, the auxiliary biological characteristic data and the non-biological characteristic data of the target client are uploaded to the nodes corresponding to the target client in the blockchain, a banking business handling request of the target client is received; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated.
In the above-described embodiments, an instruction may be issued to the client requesting the client to submit one or more to-be-authenticated slave biometric data, and to-be-authenticated master biometric data; one or more to-be-verified slave biometric data submitted by a customer and to-be-verified master biometric data can be acquired through the mobile banking APP.
In one embodiment, the biometric verification model includes a biometric verification deep learning model;
The method further comprises the steps of:
for each category of biometric feature, the node builds a biometric feature verification deep learning model corresponding to the category of biometric feature data as follows:
Establishing a biological characteristic data training set according to the historical verification data of the biological characteristics; the history verification data are the type of biological characteristic data to be verified and the history data of corresponding verification results;
Training the deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model; the biological feature verification deep learning model is used for outputting a verification result corresponding to the biological feature to be verified according to the input biological feature to be verified.
As an example, the establishment of the biometric verification deep learning model corresponding to the category of biometric data may be performed as follows:
1. a training data set of the user multi-feature recognition model is manufactured by adopting a data set expansion method;
2. Establishing a characteristic recognition model based on a neural network, and training the model by using the established data set; the obtained biological feature verification deep learning model can be in one-to-one correspondence with each biological feature;
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 blockchain.
5. And using the data expansion training set of the recognition result to continue optimizing the training model.
Further, the deep learning model described above may be built based on algorithms that train the data set and augment the data set, and using the big data to grab and clean the relevant data.
In the process of carrying out biological feature recognition by using the deep learning model, the running condition of the server can be monitored, wherein the running condition comprises network condition, sCPU, memory information, integral information such as disk occupation statistics, CPU load, HTTP service state, SSH service state, zombie process number, disk IO rate and other node performance indexes, so that the performance of the machine in the model training and using processes can be adjusted according to the basic performance indexes, and the recognition efficiency of an algorithm is adjusted. Wherein the larger the amount of data, the higher the performance requirements for the device.
In the above embodiment, the blockchain is used to store the user real feature data, which can ensure the accuracy and non-tamper property of the data on the chain and enlarge the training set of the model.
In one embodiment, the blockchain may also be used to store user real feature data, which expands the training set of the model while guaranteeing accuracy and non-tamper ability of the data on the chain.
In one embodiment, the manual identification and the model identification scenes can be unified, and for the scenes which can be determined by a percentage manually, the model is not used for identification, and the result is directly stored as data on the blockchain to perform feature network optimization. If the user is in face-to-face scenes of the service and the like under the direct on-line manual handling, the characteristics of the user only need to be stored on the blockchain, and identification is not needed.
If the determined characteristic data is directly stored in the manually identified scene, the on-chain searching and identification can be omitted, and the functions can be changed or deleted according to actual conditions.
In one embodiment, further comprising:
Establishing a biological characteristic data verification set according to the historical verification data of the biological characteristics of the category;
And verifying the biological feature verification deep learning model by using the biological feature data training set to obtain a biological feature verification deep learning model passing verification.
In the embodiment, the biological feature verification deep learning model is verified, so that the verified biological feature verification deep learning model is obtained, and the accuracy of the biological feature verification deep learning model can be improved.
When the method is implemented, after receiving a banking business handling request of a target client, the banking business handling request is sent to a node of the target client corresponding to the blockchain; and receiving the biometric verification results of the banking business handling requests fed back by the different biometric verification models in the nodes.
In the embodiment, by receiving the biometric verification results of the banking transaction request fed back by the different biometric verification models in the nodes, whether the target client is the client per se can be confirmed in the subsequent steps, and the banking transaction request of the target client is correspondingly processed.
In the specific implementation, when a banking business handling request is sent to a node of a target client corresponding to a blockchain; after receiving the biometric verification results of the banking business handling requests fed back by the different biometric verification models in the nodes, the biometric verification results represent: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
In the embodiment, the identification can be accurately performed at the present of rapid development of informatization, and the identification technology based on the biological characteristics is the best choice for identification. Current biometric technologies include single biometric-based and multi-biometric-based identification technologies, which have been shown to be superior to single biometric technologies.
In one embodiment, the banking transaction request further carries: non-biometric data to be validated;
The method further comprises the steps of:
receiving an identity verification result of the node to be verified on non-biological characteristic data;
The biometric verification result shows that: 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 method for confirming that the target client is the client comprises the following steps:
The biometric verification result shows that: 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 identity verification result indicates that the non-biometric data to be verified corresponds to the target client, the target client is confirmed to be the client.
In the above embodiment, by confirming whether the biometric authentication result indicates: when the main biometric data to be verified corresponds to the target client and the at least one auxiliary biometric data to be verified corresponds to the target client, and when the identity verification result indicates that the non-biometric data to be verified corresponds to the target client, the aim of confirming whether the target client is the client can be achieved more accurately.
In one embodiment, further comprising:
The biometric verification result shows that: when the main biometric data to be verified does not correspond to the target client per se or one slave biometric data to be verified does not correspond to the target client per se, the target client is confirmed not to be the client per se, the banking business handling request of the target client is stopped being processed, and the alarm information that the identity verification of the target client fails and the banking business handling request cannot be processed is sent out.
In the above embodiment, the method and the device send out the alarm information that the identity verification of the target client fails to process the banking business handling request, so that the problem of the identity verification of the client can be timely improved, the accuracy and the safety of the banking business handling request processing can be improved, and the use experience of the client can be improved.
In one embodiment, further comprising:
And uploading the banking business handling request of the target client and the determined result of whether the target client is the client per se to a node corresponding to the target client in the blockchain.
In the embodiment, the related data is recorded in the blockchain, so that management personnel can be assisted to call and read the process at any time, and the management personnel can be helped to find out the loopholes and the defects in the process; meanwhile, staff can retrieve 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 can be 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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; the nodes are used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client; receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated; transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes; the biometric verification result shows that: 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, the target client is confirmed to be the client, and the banking business handling request of the target client is processed.
As described above, the embodiment of the present invention can store biological features and non-biological features of all users and each authentication result by using the blockchain technology, and perform identity authentication by using the feature data on the chain as a true value, so that the feature information of the user using the system can be stored, and data analysis can be performed in reverse; the accuracy of the identity identification can be greatly improved, the online path identity identification is helped to be tracked and not tampered, and the safety of user information is protected.
The embodiment of the invention also provides a banking business handling request processing device based on the blockchain, and the embodiment of the invention is as follows. Because the principle of the device for solving the problem is similar to that of the banking business handling request processing method based on the blockchain, the implementation of the device can refer to the implementation of the banking business handling request processing method based on the blockchain, and the repetition is omitted.
The embodiment of the invention provides a banking business handling request processing device based on a blockchain, which is used for improving the accuracy of identity authentication of a client, improving the accuracy and the safety of banking business handling request processing and improving the use experience of the client, and as shown in fig. 3, the device comprises:
a biometric division 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 main biometric data, the slave biometric data, and the non-biometric data of the target client to the node corresponding to the target client in the blockchain; the nodes are used for establishing a biological characteristic verification model corresponding to the biological characteristic data according to the biological characteristic data; the biological feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds 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 authenticated, and master biometric data to be authenticated;
A banking transaction request sending module 304, configured to send a banking transaction request to a node of the blockchain corresponding to the target client; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
A banking transaction request processing module 305, configured to, in the biometric verification result representation: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
In one embodiment, further comprising:
the biological characteristic data acquisition module is used for:
Acquiring different biological characteristic data of a target client from historical banking business handling data of the target client; the historical banking transaction data includes: history data of different kinds of biological characteristics for authentication when a user performs banking transaction.
In one embodiment, the non-biometric data of the target client includes: identity information of the target client;
The data uploading module is specifically used for:
Matching the identity information of the target client with the IDs of the nodes corresponding to different clients in the blockchain, 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 secondary biological characteristic data and the non-biological characteristic data of the target client to the node corresponding to the target ID in the blockchain.
In one embodiment, the biometric partitioning module is specifically configured to:
acquiring the number of times that the target client successfully performs identity authentication by using different biological characteristic data from historical banking business handling data of the target client;
And taking the biometric data with the largest number of successful identity authentication as main biometric data.
In one embodiment, the banking transaction request further carries: non-biometric data to be validated; as shown in fig. 4, the apparatus further includes:
a non-biometric verification module 401 for:
receiving an identity verification result of the node to be verified on non-biological characteristic data;
The banking business handling request processing module is specifically used for:
The biometric verification result shows that: 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 identity verification result indicates that the non-biometric data to be verified corresponds to the target client, the target client is confirmed to be the client.
In one embodiment, the biometric verification model includes a biometric verification deep learning model; as shown in fig. 5, the apparatus further includes:
model training module 501 for:
for each category of biometric feature, the node builds a biometric feature verification deep learning model corresponding to the category of biometric feature data as follows:
Establishing a biological characteristic data training set according to the historical verification data of the biological characteristics; the history verification data are the type of biological characteristic data to be verified and the history data of corresponding verification results;
Training the deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model; the biological feature verification deep learning model is used for outputting a verification result corresponding to the biological feature to be verified according to the input biological feature to be verified.
In one embodiment, as shown in fig. 6, further comprising:
A model verification module 601, configured to:
Establishing a biological characteristic data verification set according to the historical verification data of the biological characteristics of the category;
And verifying the biological feature verification deep learning model by using the biological feature data training set to obtain a biological feature verification deep learning model passing verification.
In one embodiment, as shown in fig. 7, further comprising:
A feature map creation module 701, configured to:
Establishing a characteristic map of a client corresponding to a node in a block chain; the characteristic map includes master biometric data, one or more slave biometric data to be verified, and non-biometric data.
In one embodiment, as shown in fig. 8, further comprising:
A recording module 801 for:
And uploading the banking business handling request of the target client and the determined result of whether the target client is the client per se to a node corresponding to the target client in the blockchain.
In one embodiment, as shown in fig. 9, further comprising:
An alarm module 901 for:
The biometric verification result shows that: when the main biometric data to be verified does not correspond to the target client per se or one slave biometric data to be verified does not correspond to the target client per se, the target client is confirmed not to be the client per se, the banking business handling request of the target client is stopped being processed, and the alarm information that the identity verification of the target client fails and the banking business handling request cannot be processed is sent out.
A specific embodiment is given below to illustrate a specific application of the device of the present invention, which may include the following modules:
1. user information input maintenance module
Storing real personal information including biological characteristics and non-biological characteristics recorded in a scene of a user under the online condition
2. Building a blockchain
Building a block chain of an identity recognition system, setting each mechanism as a node, and formulating a storage rule of user data
3. In-chain storage and query module
Storing verification results on a blockchain, querying user information, querying features on the chain, and the like
4. Feature recognition module
Matching the features on the chain with the features input by the user, and finding out the user data on the chain to perform feature recognition
Of course, it is understood that other variations of the detailed modules described above are possible, and all related variations should fall within the scope of the present invention.
The embodiment of the invention provides a computer device for realizing all or part of contents in the banking business handling request processing method based on block chain, which specifically comprises 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 communication with each other 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, or the like, and the embodiment is not limited thereto. In this embodiment, the computer device may be implemented with reference to an embodiment for implementing a blockchain-based banking request processing method and an embodiment for implementing a blockchain-based banking request processing device, and the contents thereof are incorporated herein and are not repeated herein.
Fig. 10 is a schematic block diagram of a system configuration of a computer device 1000 according to an embodiment of the present application. As shown in fig. 10, the computer device 1000 may include a central processor 1001 and a memory 1002; the memory 1002 is coupled to the central processor 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 functions or other functions.
In one embodiment, blockchain-based banking transaction request processing functions may be integrated into the central processor 1001. The central processor 1001 may be configured to control, among other things, the following:
dividing different biological characteristic data of a target client into main biological characteristic data and auxiliary biological characteristic data;
Uploading the master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
Transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
the biometric verification result shows that: when the main biometric data to be verified corresponds to the target client and at least one sub biometric data to be verified corresponds to the target client, the target client is confirmed to be the client, and banking business handling requests of the target client are processed.
In another embodiment, the blockchain-based banking request processing device may be configured separately from the central processor 1001, for example, the blockchain-based banking request processing device may be configured as a chip connected to the central processor 1001, and the blockchain-based banking request processing function is implemented by control of the central processor.
As shown in fig. 10, the computer device 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 need not include all of the components shown in FIG. 10; in addition, the computer device 1000 may further include components not shown in fig. 10, to which reference is made to the related art.
As shown in fig. 10, the central processor 1001, sometimes also referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, and the central processor 1001 receives input and controls the operation of the various components of the computer device 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 about failure may be stored, and a program for executing the information may be stored. And the central processor 1001 can execute the program stored in the memory 1002 to realize information storage or processing, and the like.
The input unit 1004 provides input to the central processor 1001. The input unit 1004 is, for example, a key or a touch input device. The power supply 1007 is used to provide power to the computer device 1000. The display 1006 is used for displaying display objects such as images and characters. The display may be, for example, but 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), SIM card, and the like. But also a memory which holds information even when powered down, can be selectively erased and provided with further data, an example of which is sometimes referred to as EPROM or the like. Memory 1002 may also be some other type of device. Memory 1002 includes a buffer memory 1021 (sometimes referred to as a buffer). The memory 1002 may include an application/function storage 1022, the application/function storage 1022 for storing application programs and function programs or for executing a flow of operations of the computer apparatus 1000 by the central processor 1001.
The memory 1002 may also include a data store 1023, the data store 1023 for storing data such as contacts, digital data, pictures, sounds, and/or any other data used by a computer device. The driver store 1024 of the memory 1002 can include various drivers for the computer device for communication functions and/or for performing other functions of the computer device (e.g., messaging applications, address book 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 in 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 lan module, etc., 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 to receive audio input from the microphone 1010 to implement usual telecommunications functionality. The audio processor 1005 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an 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 sound stored locally can be played through the speaker 1009.
The embodiment of the invention also provides a computer readable storage medium, wherein the computer readable storage medium stores a computer program, and the computer program realizes the blockchain-based banking transaction request processing method when being executed by a processor.
The embodiment of the invention also provides a computer program product, which comprises a computer program, wherein the computer program realizes the banking business handling request processing method based on the blockchain when being executed by a processor.
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 master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client; receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated; transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes; the biometric verification result shows that: 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, the target client is confirmed to be the client, and the banking business handling request of the target client is processed.
It will be appreciated by those skilled in the art that 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 flowchart illustrations and/or block diagrams, and combinations of flows and/or blocks in the flowchart illustrations 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 foregoing description of the embodiments has been provided for the purpose of illustrating the general principles of the invention, and is not meant to limit the scope of the invention, but to limit the invention to the particular embodiments, and any modifications, equivalents, improvements, etc. that fall within the spirit and principles of the invention are intended to be included within the scope of the invention.

Claims (21)

1. A blockchain-based banking transaction request processing method, comprising:
dividing different biological characteristic data of a target client into main biological characteristic data and auxiliary biological characteristic data;
Uploading the master biometric data, the slave biometric data and the non-biometric data of the target client to nodes of the blockchain corresponding to the target client; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
receiving a banking business handling request of a target client; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
Transmitting a banking business handling request to a node of a target client corresponding to the blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
the biometric verification result shows that: 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, confirming that the target client is the client and processing a banking transaction request of the target client;
dividing different biometric data of the target client into master biometric data and slave biometric data, comprising:
acquiring the number of times that the target client successfully performs identity authentication by using different biological characteristic data from historical banking business handling data of the target client;
And taking the biometric data with the largest number of successful identity authentication as main biometric data.
2. The method as recited in claim 1, further comprising:
Acquiring different biological characteristic data of a target client from historical banking business handling data of the target client; the historical banking transaction data includes: history data of different kinds of biological characteristics for authentication when a user performs banking transaction.
3. The method of claim 1, wherein the non-biometric data of the target client comprises: identity information of the target client;
Uploading the master biometric data, the slave biometric data, and the non-biometric data of the target client to a node of the blockchain corresponding to the target client, comprising:
Matching the identity information of the target client with the IDs of the nodes corresponding to different clients in the blockchain, 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 secondary biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target ID in the blockchain.
4. The method of claim 1, wherein the banking transaction request further carries: non-biometric data to be validated;
The method further comprises the steps of:
receiving an identity verification result of the node to-be-verified non-biological characteristic data;
The biometric verification result shows that: 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 method for confirming that the target client is the client comprises the following steps:
The biometric verification result shows that: 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 identity verification result indicates that the non-biometric data to be verified corresponds to the target client, the target client is confirmed to be the client.
5. The method of claim 1, wherein the biometric verification model comprises a biometric verification deep learning model;
The method further comprises the steps of:
for each category of biometric features, the node builds a biometric feature verification deep learning model corresponding to the category of biometric feature data as follows:
establishing a biological characteristic data training set according to the historical verification data of the biological characteristics; the history verification data are the type of biological characteristic data to be verified and the history data of corresponding verification results;
Training the deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model; the biological feature verification deep learning model is used for outputting a verification result corresponding to the biological feature to be verified according to the input biological feature to be verified.
6. The method as recited in claim 5, further comprising:
Establishing a biological characteristic data verification set according to the historical verification data of the biological characteristics of the category;
and verifying the biological characteristic verification deep learning model by using the biological characteristic data verification set to obtain a biological characteristic verification deep learning model passing verification.
7. The method as recited in claim 1, further comprising:
Establishing a characteristic map of a client corresponding to a node in a block chain; the signature includes master biometric data, one or more slave biometric data to be validated, and non-biometric data.
8. The method as recited in claim 1, further comprising:
And uploading the banking business handling request of the target client and the determined result of whether the target client is the client per se to a node corresponding to the target client in the blockchain.
9. The method as recited in claim 1, further comprising:
The biometric verification result shows that: when the main biometric data to be verified does not correspond to the target client per se or one slave biometric data to be verified does not correspond to the target client per se, the target client is confirmed not to be the client per se, the banking business handling request of the target client is stopped being processed, and the alarm information that the identity verification of the target client fails and the banking business handling request cannot be processed is sent out.
10. A blockchain-based banking transaction request processing device, comprising:
The biological characteristic dividing module is used for dividing different biological characteristic data of a 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 secondary 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; 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 feature verification model is used for verifying the biological feature to be verified of the client and determining whether the biological feature to be verified corresponds to the client;
The banking business handling request receiving module is used for receiving banking business handling requests of target clients; the banking transaction request carries: one or more slave biometric data to be authenticated, and master biometric data to be authenticated;
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 blockchain; receiving biological characteristic verification results of the banking business handling requests fed back by different biological characteristic verification models in the nodes;
The banking business handling request processing module is used for representing the biological characteristic verification result: 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, confirming that the target client is the client and processing a banking transaction request of the target client;
The biological feature dividing module is specifically used for:
acquiring the number of times that the target client successfully performs identity authentication by using different biological characteristic data from historical banking business handling data of the target client;
And taking the biometric data with the largest number of successful identity authentication as main biometric data.
11. The apparatus as recited in claim 10, further comprising:
the biological characteristic data acquisition module is used for:
Acquiring different biological characteristic data of a target client from historical banking business handling data of the target client; the historical banking transaction data includes: history data of different kinds of biological characteristics for authentication when a user performs banking transaction.
12. The apparatus of claim 10, wherein the non-biometric data of the target client comprises: identity information of the target client;
The data uploading module is specifically used for:
Matching the identity information of the target client with the IDs of the nodes corresponding to different clients in the blockchain, 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 secondary biological characteristic data and the non-biological characteristic data of the target client to a node corresponding to the target ID in the blockchain.
13. The apparatus of claim 10, wherein the banking transaction request further carries: non-biometric data to be validated;
The device further comprises:
a non-biometric verification module for:
receiving an identity verification result of the node to-be-verified non-biological characteristic data;
The banking business handling request processing module is specifically used for:
The biometric verification result shows that: 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 identity verification result indicates that the non-biometric data to be verified corresponds to the target client, the target client is confirmed to be the client.
14. The apparatus of claim 10, wherein the biometric verification model comprises a biometric verification deep learning model; the device further comprises:
Model training module for:
for each category of biometric features, the node builds a biometric feature verification deep learning model corresponding to the category of biometric feature data as follows:
establishing a biological characteristic data training set according to the historical verification data of the biological characteristics; the history verification data are the type of biological characteristic data to be verified and the history data of corresponding verification results;
Training the deep learning model by using the biological characteristic data training set to obtain a biological characteristic verification deep learning model; the biological feature verification deep learning model is used for outputting a verification result corresponding to the biological feature to be verified according to the input biological feature to be verified.
15. The apparatus of claim 14, wherein the apparatus further comprises:
The model verification module is used for:
Establishing a biological characteristic data verification set according to the historical verification data of the biological characteristics of the category;
and verifying the biological characteristic verification deep learning model by using the biological characteristic data verification set to obtain a biological characteristic verification deep learning model passing verification.
16. The apparatus as recited in claim 10, further comprising:
the characteristic map building module is used for:
Establishing a characteristic map of a client corresponding to a node in a block chain; the signature includes master biometric data, one or more slave biometric data to be validated, and non-biometric data.
17. The apparatus as recited in claim 10, further comprising:
a recording module for:
And uploading the banking business handling request of the target client and the determined result of whether the target client is the client per se to a node corresponding to the target client in the blockchain.
18. The apparatus as recited in claim 10, further comprising:
An alarm module for:
The biometric verification result shows that: when the main biometric data to be verified does not correspond to the target client per se or one slave biometric data to be verified does not correspond to the target client per se, the target client is confirmed not to be the client per se, the banking business handling request of the target client is stopped being processed, and the alarm information that the identity verification of the target client fails and the banking business handling request cannot be processed is sent out.
19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of any of claims 1 to 9 when executing the computer program.
20. 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 of claims 1 to 9.
21. A computer program product, characterized in that the computer program product comprises a computer program which, when executed by a processor, implements the method of any of claims 1 to 9.
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