CN115564412B - Cross-border financial payment settlement method and system based on blockchain - Google Patents
Cross-border financial payment settlement method and system based on blockchain Download PDFInfo
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Abstract
The invention discloses a cross-border financial payment settlement method and system based on a blockchain, relates to the technical field of big data cloud computing, and aims to improve the cross-border financial payment settlement efficiency. The invention discloses the following technical scheme: the block chain system comprises a cross-border selling end, a domestic payment end and block chain nodes, different payment node terminals are arranged in the block chain system, and the cross-border financial payment terminals with different block chain nodes are arranged in the payment node terminals so as to improve the operation efficiency of the block chain system; extracting cross-border financial payment node information through a master-slave game model, and calculating the cross-border financial payment amount and payment mode in a period; a period of 24 hours, 48 hours, one week or one month; and (3) realizing payment settlement data analysis of different payment terminals in the blockchain system through a FolkRank algorithm model. The invention greatly improves the financial payment settlement capability.
Description
Technical Field
The invention relates to the technical field of big data cloud computing, in particular to a cross-border financial payment settlement method and system based on a blockchain.
Background
The international financial service actually comprises two layers of meanings, namely, one country of financial industry provides various financial business services for foreign clients, such as exchange, escort, international settlement, remittance, credit guarantee and the like; and secondly, the financial assets of one country flow in and out relative to other countries, such as the purchase of stocks and securities across the country, various forms of international credit and the like. The business scope of cross-border financial services is very wide, including overseas financial management, overseas asset management, cross-border financing, overseas investment banking, immigrant financial services, etc., which all fall into the category of cross-border financial services.
With the rapid development of financial technology, financial risks are easily generated in the transaction process, and particularly, when cross-border financial payment settlement is performed, the financial risks are easily influenced by external unstable environment information, so that transaction risks exist. In the prior art, payment settlement data interaction is realized by using a plurality of mobile terminals such as a POS machine, but the method still has some risks, and the payment terminal is very unsafe to pay under the condition of being attacked by external payment settlement data.
Disclosure of Invention
Aiming at the problems, the invention discloses a cross-border financial payment settlement method and a system based on a blockchain, which realize the safety capability of payment settlement by a blockchain technology and greatly improve the safety of the cross-border financial payment settlement of the blockchain.
In order to achieve the technical effects, the invention adopts the following technical scheme:
a cross-border financial payment settlement method based on a blockchain comprises the following steps:
constructing a blockchain system, wherein the blockchain system comprises a cross-border selling end, a domestic payment end and blockchain nodes, different payment node terminals are arranged in the blockchain system, and cross-border financial payment terminals with different blockchain nodes are arranged in the payment node terminals so as to improve the operation efficiency of the blockchain system;
extracting cross-border financial payment node information through a master-slave game model, and calculating the cross-border financial payment amount and payment mode in a period; a period of 24 hours, 48 hours, one week or one month;
the payment settlement data analysis of different payment terminals in the blockchain system is realized through a FolkRank algorithm model;
as a further technical scheme of the invention, the working method of the master-slave game model is as follows:
the master-slave game model is provided with in a payment settlement system
Personal cross-border point of sale and->
The payment end of the country is provided with a payment end,
representing a set of cross-border sellers, +.>
Representing domestic payment terminal set, cross-border seller +.>
In the time period
The payment means in the interior is->
A certain domestic payment terminal->
In period->
The amount of financial transactions conducted to the cross-border seller is +.>
The payment behavior function is noted as:
in the case of the formula (1),
representing a payment behavior function->
Representing the effective cross-border seller financial transaction amount, < >>
Weight representing a payment behavior function +.>
I and j in the data information node are respectively represented by data information nodes, h is represented by hidden layer nodes, and ++>
Representing time-varying parameters of the domestic payment terminal;
each domestic payment terminal needs to be solvedThe optimization problem is that the cross-border selling terminal is at
Optimal payment means of time period, time period +.>
The time point can be approximated, and the optimization problem function of the payment side is expressed as:
in the formula (2) of the present invention,
an optimization problem function representing the payment side, +.>
Representing means of payment, solving the optimization problem as time period +.>
Payment information bearing capacity in;
the control strategy of the cross-border seller is to increase the self cross-border seller growth rate, the optimal control strategy of each cross-border seller reaches game balance, and the objective function of the optimal control problem of the cross-border seller can be expressed as follows:
in equation (3), the rate of change of the number of cross-border sales is
，/>
Representing a benefit function->
Representing a status function +_>
Representing in-office controls,/->
Representing the residual value +_>
A discount coefficient representing a continuous complex profit; the balancing strategy of the cross-border selling terminal is to select the optimal settlement payment information bearing capacity according to the payment settlement means, the balancing strategy of the cross-border selling terminal and the domestic payment terminal forms a balancing situation of master-slave game, and the master-slave game function is expressed as follows:
in the formula (4) of the present invention,
for period->
Payment information bearing capacity in which cross-border seller +.>
The payment settlement means of (a) is
The cross-border terminal is +.>
The cross-border seller receives the payment settlement means information provided by the cross-border seller in master-slave game to determine the optimal payment information bearing capacity, and the decision and payment settlement means of the cross-border seller are known when the cross-border seller makes a decision>
The payment strategy set of the cross-border selling terminal is obtained by the following steps:
in equation (5), the payment policy function across the vendor
In section->
Monotonically decreasing, monotonically decreasing as a pseudo-concave function,>
representing payment settlement means->
Is used for the average value of (a),w h weights representing payment policy functions across the border vendors,a h time-varying parameters representing cross-border sellers, +.>
Representing the settlement influencing quantity parameter.
As a further technical scheme of the invention, the working method of the FolkRank algorithm comprises the following steps:
the method comprises the steps of extracting payment settlement data of different cross-border sellers, domestic payers and blockchain systems by introducing payment settlement data of the target cross-border sellers and the target domestic payers, compiling FolkRank algorithm programs, setting non-uniform vector values, completing directional selection of domestic payers service and the cross-border sellers through matched sequencing arrays, improving association performance among the three entities of the cross-border sellers, the domestic payers and the blockchain systems, and further improving association capability among the different payment settlement data of the cross-border sellers, the domestic payers and the blockchain systems.
Different payment settlement data are input, then different sorting lists are marked, and initialization processing is carried out on the input payment settlement data, so that judgment and diagnosis of the different payment settlement data are realized; in order to complete the recommendation process, the cross-border seller and the domestic payment end need to be recommended by the blockchain system, namely the non-uniform vector is set, and the influencing factors are set to be 1.
The method comprises the steps of defining an initial vector of a sequencing vector calculation method, realizing directional selection and calculation of domestic payment terminal service and cross-border selling terminals through a matched sequencing array, and setting iteration times in an iteration solving process until convergence of payment settlement data is realized;
and finishing initialization processing and calculation on the input payment settlement data, wherein in the initialization processing and calculation process, a neighbor calculation algorithm is needed so as to be convenient for giving weight to the neighbor, and by the method, iterative calculation and solution are needed to finally calculate the payment settlement data conversion process.
As a further technical scheme of the invention, the blockchain system comprises a payment settlement data layer, a network layer, a consensus layer, an incentive layer, a contract layer and an application layer, wherein the application layer is an application layer with a Schmidt orthogonalization algorithm model.
As a further technical scheme of the invention, the working method of the Schmidt orthogonalization algorithm model comprises the following steps:
step one, acquiring payment and settlement data of a blockchain system;
the block chain system node pays and settles the data receiving amount mean value formula and marks as:
in the formula (6) of the present invention,
representing the payment settlement data passing through the payment settlement data receiving amount mean value of all blockchain nodes,/for>
Representing payment settlement data transmission time,/->
Representing transmission parameters during the transmission of payment settlement data, < >>
Representing information positioning coefficients during payment settlement data transmission in a blockchain system->
A payment settlement data parameter representing that the payment settlement data is subject to an ith blockchain node; wherein i represents all blockchain nodes;
step two, identifying hidden payment danger data information;
when the Schmitt orthogonalization payment settlement data model is constructed to realize payment settlement data, the hidden payment danger is identified and mined, the acquired payment settlement data receiving quantity average value of all the blockchain nodes is subjected to information overlapping, and an information overlapping formula is recorded as:
in the formula (7) of the present invention,
representing the data reception quantity mean value overlapping function during the transfer of payment settlement data, +.>
An iterative formula for representing misjudging of hidden danger of payment by payment settlement data; i represents a blockchain node,>
an orthogonal vector group representing payment settlement data, T representing a transpose of the orthogonal vector group of payment settlement data;
step three, through setting 200 iterative computations, the calculation accuracy of the hidden payment danger data errors is improved;
the error calculation accuracy function is recorded as:
in the formula (8), the expression "a",
error calculation precision function representing block chain node when performing Schmidt orthogonalization algorithm model calculation, < ++>
In (a) and (b)kRepresenting block link point identifications;irepresenting blockchain nodes, ++>
Orthogonal vector group index element for representing payment settlement data in Schmidt orthogonalization algorithm model calculation, < ++>
Representing a safe transmission coefficient in the calculation process of the Schmidt orthogonalization algorithm model;
step four, adding a positioning error index in the calculation process of the Schmidt orthogonalization algorithm model, thereby improving the positioning capability of payment settlement data transmission, wherein the positioning error index is as follows:
in the formula (9) of the present invention,
indicating the positioning error index added in the calculation process of the Schmidt orthogonalization algorithm model, and the ++>
Indicates the number of data nodes in the blockchain transmission process, < >>
Representing an accuracy function when the Schmidt orthogonalization algorithm model performs error calculation; />
K in (a) represents a block chain link point identifier; i represents a blockchain node; />
Representing the position of payment settlement data from the transmitting point, wherein +.>
Representing the number of hidden payment hazards;
fifthly, realizing the position positioning of block chain link point information by adopting a matrix algorithm model; the blockchain payment hidden danger risk information expression is:
in equation (10), it is assumed that the blockchain system pays the hidden trouble as
The matrix algorithm model output is 1; assuming that the blockchain system has no hidden payment risk, outputting a matrix algorithm model as-1, and assuming that the hidden payment risk in the blockchain system is in a state to be detected, outputting the matrix algorithm model as 0, wherein +.>
The risk information is expressed as blockchain payment hidden danger information;
the blockchain fault payment settlement data location function is recorded as:
in the formula (11), the number of payment settlement data elements in the matrix formed by the blockchain node information is taken as
，/>
Payment hidden danger data representing the number of payment settlement data elements, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
J in (a) represents the size of a certain type of payment settlement data in the hidden payment risk data; />
Representing payment settlement data affecting blockchain node detection, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
I in (a) represents a blockchain node; when->
When 1, the data information indicating that the cross-border payment hidden trouble is detected is +.>
Indicating that there is no external abnormal payment settlement data influencing factor.
The invention also adopts the following technical scheme:
a cross-border financial payment settlement system based on a blockchain comprises a blockchain network, and a blockchain node and a payment terminal which are arranged in the blockchain network.
The beneficial effects of the invention are as follows:
different from the conventional technology, the invention builds a blockchain system, wherein the blockchain system comprises a cross-border selling end, a domestic payment end and blockchain nodes, different payment node terminals are arranged in the blockchain system, and cross-border financial payment terminals with different blockchain nodes are arranged in the payment node terminals so as to improve the operation efficiency of the blockchain system; extracting cross-border financial payment node information through a master-slave game model, and calculating the cross-border financial payment amount and payment mode in a period; a period of 24 hours, 48 hours, one week or one month; and (3) realizing payment settlement data analysis of different payment terminals in the blockchain system through a FolkRank algorithm model. The invention greatly improves the financial payment settlement capability.
Drawings
For a clearer description of embodiments of the invention or of solutions in the prior art, the drawings that are necessary for the description of the embodiments or of the prior art will be briefly described, it being apparent that the drawings in the description below are only some embodiments of the invention, from which, without inventive faculty, other drawings can be obtained for a person skilled in the art, in which:
FIG. 1 is a schematic diagram of the overall architecture of real-time payment settlement through blockchain in accordance with the present invention;
FIG. 2 is a diagram of a home payment end area chain network architecture of the present invention;
FIG. 3 is a schematic diagram of a blockchain network multi-master multi-slave gaming architecture in accordance with the present invention;
FIG. 4 is a schematic flow chart of the FolkRank algorithm of the invention;
FIG. 5 is a schematic diagram of an embodiment of the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention;
as shown in fig. 1-2, a cross-border financial payment settlement method based on blockchain includes:
constructing a blockchain system, wherein the blockchain system comprises a cross-border selling end, a domestic payment end and blockchain nodes, different payment node terminals are arranged in the blockchain system, and cross-border financial payment terminals with different blockchain nodes are arranged in the payment node terminals so as to improve the operation efficiency of the blockchain system;
extracting cross-border financial payment node information through a master-slave game model, and calculating the cross-border financial payment amount and payment mode in a period; a period of 24 hours, 48 hours, one week or one month;
the payment settlement data analysis of different payment terminals in the blockchain system is realized through a FolkRank algorithm model;
in a specific embodiment, the working method of the master-slave game model is as follows:
the master-slave game model is provided with in a payment settlement system
Personal cross-border point of sale and->
The payment end of the country is provided with a payment end,
representing a set of cross-border sellers, +.>
Representing domestic payment terminal set, cross-border seller +.>
In period->
The payment means in the interior is->
A certain domestic payment terminal->
In period->
The amount of financial transactions conducted to the cross-border seller is +.>
The payment behavior function is noted as:
in the case of the formula (1),
representing a payment behavior function->
Representing the effective cross-border seller financial transaction amount, < >>
Weight representing a payment behavior function +.>
I and j in the data information node are respectively represented by data information nodes, h is represented by hidden layer nodes, and ++>
Representing time-varying parameters of the domestic payment terminal; />
And->
As the cross-border vendor type and period change.
The optimization problem that each domestic payment terminal needs to solve is that the cross-border selling terminal is at
Optimal way of payment of the time period (in particular embodiments by a number of different ways) when the time period length is small, time period +.>
The time point can be approximated, and the optimization problem function of the payment side is expressed as:
in the formula (2) of the present invention,
an optimization problem function representing the payment side, +.>
Representing means of paymentSolution of optimization problem is period +.>
Payment information bearing capacity in;
the control strategy of the cross-border seller is to increase the self cross-border seller growth rate, the optimal control strategy of each cross-border seller reaches game balance, and the objective function of the optimal control problem of the cross-border seller can be expressed as follows:
in equation (3), the rate of change of the number of cross-border sales is
，/>
Representing a benefit function->
Representing a status function +_>
Representing in-office controls,/->
Representing the residual value +_>
Representing the discount coefficient of the successive complex profit.
In multi-master multi-slave games between the cross-border selling terminals and the cross-border selling terminals, the strategy of the cross-border selling terminals is a payment settlement means, the strategy of the cross-border selling terminals is a reaction to the payment settlement means, and the cross-border selling terminals play a leading role in a game structure.
The balancing strategy of the cross-border selling terminal is to select the optimal settlement payment information bearing capacity according to the payment settlement means, the balancing strategy of the cross-border selling terminal and the domestic payment terminal forms a balancing situation of master-slave game, and the master-slave game function is expressed as follows:
in the formula (4) of the present invention,
for period->
Payment information bearing capacity in which cross-border seller +.>
The payment settlement means of (a) is
The cross-border terminal is +.>
The cross-border seller receives the payment settlement means information provided by the cross-border seller in master-slave game to determine the optimal payment information bearing capacity, and the decision and payment settlement means of the cross-border seller are known when the cross-border seller makes a decision>
The payment strategy set of the cross-border selling terminal is obtained by the following steps:
in equation (5), the payment policy function across the vendor
In section->
Monotonically decreasing, monotonically decreasing as a pseudo-concave function,>
representing payment settlement means->
Is used for the average value of (a),w h weights representing payment policy functions across the border vendors,a h time-varying parameters representing cross-border sellers, +.>
Representing the settlement influencing quantity parameter.
The real-time payment settlement means of the cross-border seller are also related to the payment settlement means of other cross-border sellers, the interaction is complex, the equilibrium state of the game is calculated by adopting a distributed algorithm, and after each cross-border seller gives out the initial payment settlement means, the self payment settlement means are updated according to the payment settlement means of other cross-border sellers until the game reaches equilibrium.
The safe payment of a plurality of payment means can be realized through the formula (5), when the cross-border financial payment settlement is carried out, the regional chain payment settlement transaction system is of a multi-layer structure, wherein the regional block contains the payment settlement information and the transaction information of the participating main body of the block, and the transaction record is marked by the Merkle value. The network layer comprises P2P protocol and signaling characteristics, and realizes communication and transaction between nodes in the domestic payment end blockchain. The P2P network has no centralized payment settlement data structure, so that cross-border selling end-to-end communication and transaction are completed, high load of central service is avoided, and the bottom network is more uniformly distributed with load. Blockchains can be categorized into public chains, alliance chains, and private chains. All nodes in the public chain can connect and disconnect the network at any time, and each node can participate in a consensus mechanism. Part of nodes in the alliance chain are in a consensus layer, and can enter the network only by verification.
The working method of the FolkRank algorithm comprises the following steps:
the method comprises the steps of extracting payment settlement data of different cross-border sellers, domestic payers and blockchain systems by introducing payment settlement data of the target cross-border sellers and the target domestic payers, compiling FolkRank algorithm programs, setting non-uniform vector values, completing directional selection of domestic payers service and the cross-border sellers through matched sequencing arrays, improving association performance among the three entities of the cross-border sellers, the domestic payers and the blockchain systems, and further improving association capability among the different payment settlement data of the cross-border sellers, the domestic payers and the blockchain systems.
Different payment settlement data are input, then different sorting lists are marked, and initialization processing is carried out on the input payment settlement data, so that judgment and diagnosis of the different payment settlement data are realized; in order to complete the recommendation process, the cross-border seller and the domestic payment end need to be recommended by the blockchain system, namely the non-uniform vector is set, and the influencing factors are set to be 1.
The method comprises the steps of defining an initial vector of a sequencing vector calculation method, realizing directional selection and calculation of domestic payment terminal service and cross-border selling terminals through a matched sequencing array, and setting iteration times in an iteration solving process until convergence of payment settlement data is realized.
And finishing initialization processing and calculation on the input payment settlement data, wherein in the initialization processing and calculation process, a neighbor calculation algorithm is needed so as to be convenient for giving weight to the neighbor, and by the method, iterative calculation and solution are needed to finally calculate the payment settlement data conversion process.
In a specific embodiment, the FolkRank algorithm effectively utilizes the relevance among three entities of the cross-border selling end, the domestic paying end and the blockchain system by analyzing the internal relation between the cross-border selling end and the domestic paying end to form the blockchain system recommendation performance, and then gives an initial weight to the target cross-border selling end and the target domestic paying end so as to achieve the special item matching purpose of the domestic paying end service. According to the main method, through introducing the target cross-border seller and the target domestic payment end payment settlement data, different payment settlement data of the cross-border seller, the domestic payment end and the blockchain system are extracted, a FolkRank algorithm program is compiled, non-uniform vector values are set, and directional selection of the domestic payment end service and the cross-border seller is completed through a matched sequencing array, so that the association performance among the three entities of the cross-border seller, the domestic payment end and the blockchain system is improved, and the association capability among the different payment settlement data of the cross-border seller, the domestic payment end and the blockchain system is further improved. By starting the rank vector calculation mode, a starting neighbor value and weight calculation program is further constructed, and then whether the theoretical value is equal to the actual value is judged? When the two are equal, the relevance among the cross-border seller, the domestic payment terminal and the blockchain system is further analyzed, and then a payment settlement data result is output. And when the theoretical value is not equal to the actual value, restarting the sequencing vector calculation mode, and carrying out programming calculation again. The algorithm operation process of the invention is mainly completed by programming software, and the recommended process of the block chain system is constructed by programming the algorithm principle, and the process is as follows:
wherein G represents three graphs of cross-border seller demand payment settlement data, V represents domestic payment terminal service engineering, E represents the relevance of the cross-border seller, the domestic payment terminal and the blockchain system, I represents a domestic payment terminal set, U represents the cross-border seller demand, T represents an algorithm blockchain system,
the representation algorithm computes a matching recommendation vector.
During programming calculation, firstly, different payment settlement data are input, then different sorting lists are marked, and initialization processing is carried out on the input payment settlement data, so that judgment and diagnosis of the different payment settlement data are realized. In order to complete the recommendation process, the cross-border seller and the domestic payment end need to be recommended by the blockchain system, namely the non-uniform vector is set, and the influencing factors are set to be 1, namely:
wherein the method comprises the steps of
Non-uniform vector representing cross-border seller and domestic payoff terminal +.>
An element representing the domestic payment terminal set, < ->
Representing the need for a single cross-border vendor, +.>
Representing a single element of an algorithmic blockchain system.
In the calculation process, when the blockchain system recommendation is performed on the cross-border seller and the domestic payment terminal, firstly, different entity payment settlement data types such as the cross-border seller, the domestic payment terminal and the blockchain system are defined, influence factors of the payment settlement data types are input into assumed condition information, then software is started to perform calculation, and when the payment settlement data values are 1, the program is ended.
The core step of the FolkRank algorithm is to sort the relations of the three, and finish the directional selection of domestic payment terminal service and cross-border selling terminals through a matched sorting array, wherein the sorting vector calculation mode is as follows:
wherein the method comprises the steps of
Ordering vector representing three relations ++>
Representing a domestic payment proximity matrix. In the above steps, firstly, an initial vector of a sequencing vector calculation method is defined, directional selection and calculation of domestic payment terminal service and cross-border selling terminals are realized through a matched sequencing array, and in the iterative solving process, the iteration times can be set. Until convergence of the payment settlement data is achieved. In order to ensure the rigor and effectiveness of the algorithm, the neighbor value and the weight of the algorithm need to be calculated, and the operation program is as follows:
in the above algorithm process, the initialization processing and calculation are completed for the input payment settlement data, in the initialization processing and calculation process, a neighbor calculation algorithm is required so as to be convenient for giving weight to the neighbor, in the calculation process, iterative calculation and solution are required so as to finally calculate the payment settlement data conversion process. Wherein the method comprises the steps of
The verification vector of the matching algorithm is represented, and the effectiveness of the algorithm is determined by verifying the difference between the theoretical value and the actual value.
The experimental process was run on an Intel i9 9600KF computer, a 4.0GHz CPU and a 64+128gb memory dual core PC. The field experiment environment is set, the record form is completed through a payment settlement data statistical method, the service mode is a block chain service mode, and the algorithm program operation error is less than 2.5%. Experiments were performed in this environment, and the parameter configurations are shown in table 1:
TABLE 1 environmental parameters and configuration software
The invention researches the service technology of the comprehensive domestic payment terminal, performs experiments on the blockchain service mode according to the analysis of experimental payment settlement data, and performs simulation demonstration on the domestic payment terminal service process according to IES VE software.
And comparing the specific effects of each design scheme according to the simulation result, carrying out transaction experience on 300 randomly selected persons, completing the experiment by evaluating the satisfaction degree of the 300 randomly selected persons, and evaluating the experiment according to the domestic payment end consumption and service efficiency. Experimental payment settlement data are shown in table 2:
table 2 comprehensive domestic payment terminal service experiment payment settlement data table
Through the payment settlement data analysis of the table 2, the consumption of the domestic payment terminal in the comprehensive domestic payment terminal service mode is 3845.2KWh, the number of times of attack is 56 people/h, and the average satisfaction is 98.6%; the domestic payment end consumption of the Web3D model adopted in the document 1 is 4162.7KWh, the service efficiency is 39 people/h, and the satisfaction degree is 94.2% on average; the isomerization system designed in document 2 has a domestic payment end consumption of 4865.9KWh, attack times of 24 times/hour and satisfaction degree of 93% on average. Thus, the invention has higher safety capability in the payment process of the user.
In a specific embodiment, the blockchain system includes a payment settlement data layer, a network layer, a consensus layer, an incentive layer, a contract layer, and an application layer, wherein the application layer is an application layer with a schmitt orthogonalization algorithm model.
In a specific embodiment, the payment settlement data layer encapsulates the underlying payment settlement data block and related payment settlement data encryption and time stamping techniques; the network layer comprises a distributed networking mechanism, a payment settlement data transmission mechanism, a payment settlement data verification mechanism and the like; the consensus layer mainly encapsulates various consensus algorithms of the network node; the incentive layer integrates economic factors into a blockchain technology system and mainly comprises an issuing mechanism, an allocation mechanism and the like of economic incentives; the contract layer mainly encapsulates various scripts, algorithms and intelligent contracts, and is the basis of programmable characteristics of the block chain; the application layer encapsulates various application scenarios and cases of the blockchain. In the model, chain block structure based on time stamp, consensus mechanism of distributed nodes, economic incentive based on consensus force and flexible programmable intelligent contract are the most representative innovation points of block chain technology. By the method, the payment settlement data of different layers can be safely calculated.
The working method of the Schmidt orthogonalization algorithm model comprises the following steps:
step one, acquiring payment and settlement data of a blockchain system;
receiving payment settlement data transmission parameters through the block chain link point hardware equipment, and acquiring positions of nodes experienced in the process of payment settlement data transmission, wherein when the payment settlement data is transmitted, the payment hidden danger data positioning information is acquired through a payment settlement data receiving quantity average value of a network transmission node, and the block chain system node payment settlement data receiving quantity average value formula is recorded as:
in the formula (6) of the present invention,
representing the payment settlement data passing through the payment settlement data receiving amount mean value of all blockchain nodes,/for>
Representing payment settlement data transmission time,/->
Representing transmission parameters during the transmission of payment settlement data, < >>
Representing information positioning coefficients during payment settlement data transmission in a blockchain system->
A payment settlement data parameter representing that the payment settlement data is subject to an ith blockchain node; wherein i represents all blockchain nodes;
step two, identifying hidden payment danger data information;
when the Schmitt orthogonalization payment settlement data model is constructed to realize payment settlement data, the hidden payment danger is identified and mined, the acquired payment settlement data receiving quantity average value of all the blockchain nodes is subjected to information overlapping, and an information overlapping formula is recorded as:
in the formula (7) of the present invention,
representing the data reception quantity mean value overlapping function during the transfer of payment settlement data, +.>
An iterative formula for representing misjudging of hidden danger of payment by payment settlement data; i represents a blockchain node,>
an orthogonal vector group representing payment settlement data, T representing a transpose of the orthogonal vector group of payment settlement data;
step three, through setting 200 iterative computations, the calculation accuracy of the hidden payment danger data errors is improved;
the error calculation accuracy function is recorded as:
in the formula (8), the expression "a",
error calculation precision function representing block chain node when performing Schmidt orthogonalization algorithm model calculation, < ++>
In (a) and (b)kRepresenting block link point identifications;irepresenting blockchain nodes, ++>
Orthogonal vector group index element for representing payment settlement data in Schmidt orthogonalization algorithm model calculation, < ++>
Representing a safe transmission coefficient in the calculation process of the Schmidt orthogonalization algorithm model;
step four, adding a positioning error index in the calculation process of the Schmidt orthogonalization algorithm model, thereby improving the positioning capability of payment settlement data transmission, wherein the positioning error index is as follows:
in the formula (9) of the present invention,
indicating the positioning error index added in the calculation process of the Schmidt orthogonalization algorithm model, and the ++>
Indicates the number of data nodes in the blockchain transmission process, < >>
Representing an accuracy function when the Schmidt orthogonalization algorithm model performs error calculation; />
K in (a) represents a block chain link point identifier; i represents a blockchain node; />
Representing the position of payment settlement data from the transmitting point, wherein +.>
Representing the number of hidden payment hazards;
fifthly, realizing the position positioning of block chain link point information by adopting a matrix algorithm model; the blockchain payment hidden danger risk information expression is:
in equation (10), it is assumed that the blockchain system pays the hidden trouble as
The matrix algorithm model output is 1; assuming that the blockchain system has no hidden payment danger, outputting a matrix algorithm model as-1, and assuming that the hidden payment danger risk in the blockchain system is in a state to be detected, modeling the matrix algorithmThe output is 0, wherein->
The risk information is expressed as blockchain payment hidden danger information;
the blockchain fault payment settlement data location function is recorded as:
in the formula (11), the number of payment settlement data elements in the matrix formed by the blockchain node information is taken as
，/>
Payment hidden danger data representing the number of payment settlement data elements, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
J in (a) represents the size of a certain type of payment settlement data in the hidden payment risk data; />
Representing payment settlement data affecting blockchain node detection, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
I in (a) represents a blockchain node; when (when)/>
When 1, the data information indicating that the cross-border payment hidden trouble is detected is +.>
Indicating that there is no external abnormal payment settlement data influencing factor.
Schmitt orthogonalization (Schmidt orthogonalization) is a method of solving for euclidean spatial orthogonalization, wherein the set of orthogonalization vectors is a set of non-zero pairwise orthogonalization (i.e., inner product 0) vectors. The concept of geometric vectors is abstracted in linear algebra to get a more general vector concept. Vectors are defined herein as elements of a vector space, and it is noted that vectors in these abstract sense are not necessarily represented in pairs, nor are the concepts of size and direction necessarily applicable. In three-dimensional vector space, two vectors are said to be orthogonal if the inner product of the two vectors is zero. Orthogonal vector analysis occurs earliest in three-dimensional space. In other words, two vectors are orthogonal meaning that they are perpendicular to each other. By the method, each vector in the orthogonal vector group can be unitized to obtain a standard orthogonal vector group, the method is called Schmitt orthogonalization, and the block chain cross-border financial payment settlement capacity can be improved by applying the method to the invention.
In a specific embodiment, when the cross-border financial payment node information is extracted through the master-slave game model, the cross-border financial payment amount and payment mode in a period of 24 hours, 48 hours, a week or a month are calculated.
The system of the invention further comprises a blockchain network, and a blockchain node and a payment terminal which are arranged in the blockchain network. Wherein a blockchain is a chain of blocks. Each block holds certain information which is linked in a chain according to the time sequence of their respective generation. This chain is kept in all servers, and the entire blockchain is secure as long as one server in the entire system can work. These servers, referred to as nodes in the blockchain system, provide storage space and computational support for the entire blockchain system. If the information in the blockchain is to be modified, it is necessary to sign consent of more than half of the nodes and modify the information in all the nodes, which are usually held in different subject hands, so it is an extremely difficult thing to tamper with the information in the blockchain. Compared with the traditional network, the blockchain has two main core characteristics: firstly, the data is difficult to tamper, and secondly, the data is decentralised. Based on the two characteristics, the information recorded by the blockchain is more real and reliable, and can help solve the problem that people are not trusted each other. The payment terminal may be any data inode operating within a blockchain.
While specific embodiments of the present invention have been described above, it will be understood by those skilled in the art that the foregoing detailed description is given by way of example only, and that various omissions, substitutions and changes in the form of the details of the method and system illustrated may be made by those skilled in the art without departing from the spirit and scope of the invention; for example, it is within the scope of the present invention to combine the above-described method steps to perform substantially the same function in substantially the same way to achieve substantially the same result; accordingly, the scope of the invention is limited only by the following claims.
Claims (4)
1. A cross-border financial payment settlement method based on a blockchain is characterized in that: comprising the following steps:
constructing a blockchain system, wherein the blockchain system comprises a cross-border selling end, a domestic payment end and blockchain nodes, different payment node terminals are arranged in the blockchain system, and cross-border financial payment terminals with different blockchain nodes are arranged in the payment node terminals so as to improve the operation efficiency of the blockchain system;
extracting cross-border financial payment node information through a master-slave game model, and calculating the cross-border financial payment amount and payment mode in a period; a period of 24 hours, 48 hours, one week or one month;
the payment settlement data analysis of different payment node terminals in the blockchain system is realized through a FolkRank algorithm model;
the working method of the master-slave game model comprises the following steps:
the master-slave game model is provided with in a payment settlement system
Personal cross-border point of sale and->
The payment end of the country is provided with a payment end,
representing a set of cross-border sellers, +.>
Representing domestic payment terminal set, cross-border seller +.>
In period->
The payment means in the interior is->
A certain domestic payment terminal->
In period->
The amount of financial transactions conducted to the cross-border seller is +.>
The payment behavior function is noted as:
in the case of the formula (1),
representing a payment behavior function->
Representing the effective cross-border seller financial transaction amount, < >>
Weight representing a payment behavior function +.>
I and j in the data information node are respectively represented by data information nodes, h is represented by hidden layer nodes, and ++>
Representing time-varying parameters of the domestic payment terminal;
the optimization problem that each domestic payment terminal needs to solve is that the cross-border selling terminal is at
The optimal way of payment for the time period,
when the period length is small, the period
The time point can be approximated, and the optimization problem function of the payment side is expressed as:
in the formula (2) of the present invention,
an optimization problem function representing the payment side, +.>
Representing means of payment, solving the optimization problem as time period +.>
Payment information bearing capacity in;
the control strategy of the cross-border seller is to increase the self cross-border seller growth rate, the optimal control strategy of each cross-border seller reaches game balance, and the objective function of the optimal control problem of the cross-border seller can be expressed as follows:
in equation (3), the rate of change of the number of cross-border sales is
，/>
Representing a benefit function->
The state function is represented as a function of the state,
representing in-office controls,/->
Representing the residual value +_>
A discount coefficient representing a continuous complex profit; the balancing strategy of the cross-border selling terminal is to select the optimal settlement payment information bearing capacity according to the payment settlement means, the balancing strategy of the cross-border selling terminal and the domestic payment terminal forms a balancing situation of master-slave game, and the master-slave game function is expressed as follows:
in the formula (4) of the present invention,
for period->
Payment information bearing capacity in which cross-border seller +.>
The payment settlement means of (a) is->
The cross-border terminal is +.>
The cross-border seller receives the payment settlement means information provided by the cross-border seller in master-slave game to determine the optimal payment information bearing capacity, and the decision and payment settlement means of the cross-border seller are known when the cross-border seller makes a decision>
The payment strategy set of the cross-border selling terminal is obtained by the following steps:
in equation (5), the payment policy function across the vendor
In section->
Monotonically decreasing, monotonically decreasing as a pseudo-concave function,>
representing payment settlement means->
Is used for the average value of (a),w h weights representing payment policy functions across the border vendors,a h representing cross-border salesTime-varying parameters of the terminal->
A settlement influencing amount parameter;
the working method of the FolkRank algorithm comprises the following steps:
the method comprises the steps of extracting different payment settlement data of a cross-border seller, a domestic payment terminal and a blockchain system by introducing payment settlement data of the target cross-border seller and the target domestic payment terminal, compiling a FolkRank algorithm program, setting non-uniform vector values, completing directional selection of a domestic payment terminal service and the cross-border seller through a matched sequencing array, improving the association performance among three entities of the cross-border seller, the domestic payment terminal and the blockchain system, and further improving the association capability among different payment settlement data of the cross-border seller, the domestic payment terminal and the blockchain system;
different payment settlement data are input, then different sorting lists are marked, and initialization processing is carried out on the input payment settlement data, so that judgment and diagnosis of the different payment settlement data are realized; in order to complete the recommendation process, the cross-border selling end and the domestic payment end are required to be recommended by a blockchain system, namely the non-uniform vector is set, and the influence factor is set to be 1;
the method comprises the steps of defining an initial vector of a sequencing vector calculation method, realizing directional selection and calculation of domestic payment terminal service and cross-border selling terminals through a matched sequencing array, and setting iteration times in an iteration solving process until convergence of payment settlement data is realized;
and finishing initialization processing and calculation on the input payment settlement data, wherein in the initialization processing and calculation process, a neighbor calculation algorithm is needed so as to be convenient for giving weight to the neighbor, and by the method, iterative calculation and solution are needed to finally calculate the payment settlement data conversion process.
2. The blockchain-based cross-border financial payment settlement method as defined in claim 1, wherein: the blockchain system comprises a payment settlement data layer, a network layer, a consensus layer, an incentive layer, a contract layer and an application layer, wherein the application layer is an application layer with a Schmidt orthogonalization algorithm model.
3. The blockchain-based cross-border financial payment settlement method as defined in claim 2, wherein: the working method of the Schmidt orthogonalization algorithm model comprises the following steps:
step one, acquiring payment and settlement data of a blockchain system;
the block chain system node pays and settles the data receiving amount mean value formula and marks as:
in the formula (6) of the present invention,
representing the payment settlement data passing through the payment settlement data reception amount mean of all blockchain nodes,
representing payment settlement data transmission time,/->
Representing transmission parameters during the transmission of payment settlement data, < >>
Representing information positioning coefficients during payment settlement data transmission in a blockchain system->
A payment settlement data parameter representing that the payment settlement data is subject to an ith blockchain node; wherein i represents all blockchain nodes;
step two, identifying hidden payment danger data information;
when the Schmitt orthogonalization payment settlement data model is constructed to realize payment settlement data, the hidden payment danger is identified and mined, the acquired payment settlement data receiving quantity average value of all the blockchain nodes is subjected to information overlapping, and an information overlapping formula is recorded as:
in the formula (7) of the present invention,
representing the data reception quantity mean value overlapping function during the transfer of payment settlement data, +.>
An iterative formula for representing misjudging of hidden danger of payment by payment settlement data; i represents a blockchain node,>
an orthogonal vector group representing payment settlement data, T representing a transpose of the orthogonal vector group of payment settlement data;
step three, through setting 200 iterative computations, the calculation accuracy of the hidden payment danger data errors is improved;
the error calculation accuracy function is recorded as:
in the formula (8), the expression "a",
error calculation precision function representing block chain node when performing Schmidt orthogonalization algorithm model calculation, < ++>
In (a) and (b)kRepresenting block link point identifications;irepresenting blockchain nodes, ++>
Model calculation of Schmidt orthogonalization algorithm for representing payment settlement dataOrthogonal vector group index element, +.>
Representing a safe transmission coefficient in the calculation process of the Schmidt orthogonalization algorithm model;
step four, adding a positioning error index in the calculation process of the Schmidt orthogonalization algorithm model, thereby improving the positioning capability of payment settlement data transmission, wherein the positioning error index is as follows:
in the formula (9) of the present invention,
indicating the positioning error index added in the calculation process of the Schmidt orthogonalization algorithm model, and the ++>
Indicates the number of data nodes in the blockchain transmission process, < >>
Representing an accuracy function when the Schmidt orthogonalization algorithm model performs error calculation; />
K in (a) represents a block chain link point identifier; i represents a blockchain node; />
Representing the position of payment settlement data from the transmitting point, wherein +.>
Representing the number of hidden payment hazards;
fifthly, realizing the position positioning of block chain link point information by adopting a matrix algorithm model; the blockchain payment hidden danger risk information expression is:
in equation (10), it is assumed that the blockchain system pays the hidden trouble as
The matrix algorithm model output is 1; assuming that the blockchain system has no hidden payment risk, outputting a matrix algorithm model as-1, and assuming that the hidden payment risk in the blockchain system is in a state to be detected, outputting the matrix algorithm model as 0, wherein +.>
The risk information is expressed as blockchain payment hidden danger information;
the blockchain fault payment settlement data location function is recorded as:
in the formula (11), the number of payment settlement data elements in the matrix formed by the blockchain node information is taken as
，/>
Payment hidden danger data representing the number of payment settlement data elements, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
J in (a) represents a certain type of payment settlement data in the payment hidden trouble dataSize of the material; />
Representing payment settlement data affecting blockchain node detection, < ->
Is->
Payment settlement data representing a certain type of payment risk data,/->
I in (a) represents a blockchain node; when->
When 1, the data information indicating that the cross-border payment hidden trouble is detected is +.>
Indicating that there is no external abnormal payment settlement data influencing factor.
4. The blockchain-based cross-border financial payment settlement method as defined in claim 1, wherein: comprises a blockchain network, and a blockchain node and a payment terminal which are arranged in the blockchain network.
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