WO2021004123A1 - Blockchain-based information processing apparatus and method, and storage medium - Google Patents

Abstract

The present application relates to blockchains. Disclosed is a blockchain-based information processing method, comprising: after a user logs in to an application platform using a terminal device, sending a first authorization protocol application for the user to determine whether to enable a permission for extracting device information of the terminal device; if it is determined to enable the permission, extracting device information, obtaining user information of the user and a list of risky users prestored in a blockchain, and analyzing whether the user is a risky user; if the user is a non-risky user, sending a second authorization protocol application for the user to determine whether to enable a permission for extracting user behavior information recorded in the terminal device; if it is determined to enable the permission, extracting the user behavior information and computing a risk value of the user; and if the risk value is greater than a risk threshold, marking the user as a risky user and adding the user to the list of risky users of the blockchain. The present application can improve the accuracy of analysis and effectively recognize a risky user.

Description

Information processing device, method and storage medium based on blockchain

This application claims the priority of a Chinese patent application filed with the Chinese Patent Office on July 5, 2019. The application number is 201910607938.2 and the invention title is "Blockchain-based information processing devices, methods and storage media." The reference is incorporated in this application.

Technical field

This application relates to the field of information analysis technology, and in particular to a blockchain-based information processing device, method, and storage medium.

Background technique

The risk control and anti-fraud system can analyze the user's risk. The traditional risk control and anti-fraud system stores a user blacklist. When the user handles the business, the blacklist can determine whether the user is at risk. However, the inventor found that for some users who use fake identity information, it is impossible to further determine whether the user is at risk, which reduces the accuracy of risk control and anti-fraud system analysis and cannot effectively identify risky users. In view of this, a method that can improve the accuracy of analysis and effectively identify risk users has become a problem to be solved.

Summary of the invention

This application provides a block chain-based information processing device, method, and storage medium, aiming to improve the accuracy of analysis and effectively identify risky users.

In order to achieve the above objective, the present application provides a blockchain-based information processing device. The blockchain-based information processing device includes a memory and a processor connected to the memory. The processing system running on the processor, when the processing system is executed by the processor, the following steps are implemented: after the user logs in to the application platform for business processing using a terminal device, the first authorization agreement application is sent for the user to confirm whether to enable extraction The authority of the terminal device’s device information; if the instruction to confirm the activation of the authority is received, the device information of the terminal device is extracted, the user information of the user, and the list of risky users pre-stored in the blockchain are obtained based on the terminal device’s Device information, user information, and risk user list analyze whether the user is a risk user; if the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to enable the permission to extract user behavior information recorded in the terminal device ; If an instruction to confirm the permission is received, the user behavior information recorded in the terminal device is extracted every predetermined time, and the user's risk value is calculated based on the user behavior information; the corresponding predetermined risk is obtained based on the user behavior information Threshold, if the risk value of the user is greater than or equal to the risk threshold, the user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the risk user list of the blockchain.

In order to achieve the above objective, this application also provides a blockchain-based information processing method. The blockchain-based information processing method includes: S1. After the user logs in to the application platform for business processing using a terminal device, the first Authorization agreement application for the user to confirm whether to open the permission to extract the device information of the terminal device; S2, if an instruction to confirm the permission is received, extract the device information of the terminal device, and obtain the user information and blockchain of the user Based on the device information, user information and risk user list of the terminal device, analyze whether the user is a risk user; S3, if the user is a non-risk user, send a second authorization agreement application for the user to confirm Whether to enable the permission to extract the user behavior information recorded in the terminal device; S4, if an instruction to confirm enabling the permission is received, extract the user behavior information recorded in the terminal device at predetermined intervals, and calculate the user behavior information based on the user behavior information. The risk value of the user; S5, obtain the corresponding predetermined risk threshold based on the user behavior information, if the risk value of the user is greater than or equal to the risk threshold, mark the user as a risk user, and combine the user information of the user and the terminal The device information of the device is added to the list of risky users of the blockchain.

The present application also provides a computer-readable storage medium having a processing system stored on the computer-readable storage medium, and when the processing system is executed by a processor, the steps of the above-mentioned blockchain-based information processing method are realized.

By further analyzing the user behavior information recorded in the terminal device used by the user, this application can improve the accuracy of the analysis and effectively identify at-risk users.

Description of the drawings

FIG. 1 is a schematic diagram of an optional application environment of each embodiment of this application;

2 is a schematic diagram of the hardware architecture of an embodiment of the information processing device based on blockchain in FIG. 1;

Fig. 3 is a program module diagram of an embodiment of the processing system in Fig. 1 and Fig. 2;

FIG. 4 is a schematic flowchart of an embodiment of a blockchain-based information processing method of this application.

Detailed ways

In order to make the purpose, technical solutions, and advantages of this application clearer, the following further describes this application in detail with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the application, and not used to limit the application. Based on the embodiments in this application, all other embodiments obtained by those of ordinary skill in the art without creative work shall fall within the protection scope of this application.

It should be noted that the descriptions related to "first", "second", etc. in this application are only for descriptive purposes, and cannot be understood as indicating or implying their relative importance or implicitly indicating the number of technical features indicated. . Therefore, the features defined with "first" and "second" may explicitly or implicitly include at least one of the features. In addition, the technical solutions between the various embodiments can be combined with each other, but it must be based on what can be achieved by a person of ordinary skill in the art. When the combination of technical solutions is contradictory or cannot be achieved, it should be considered that such a combination of technical solutions does not exist. , Not within the scope of protection required by this application.

Refer to FIG. 1, which is a schematic diagram of the application environment of the preferred embodiment of the present application. In this embodiment, the blockchain-based information processing device 1 is connected to a terminal device used by the user (for example, a tablet computer, a notebook, or a smart phone). The user logs in to the application platform through the terminal device to transact business. After the user is authorized, the information processing device 1 based on the blockchain can extract the terminal device’s device information and user behavior information, and analyze the user’s behavior information. Whether it is a risk user.

The information processing device 1 based on the blockchain is a device that can automatically perform numerical calculation and/or information processing in accordance with pre-set or stored instructions. The blockchain-based information processing device 1 may be a computer, a single network server, a server group composed of multiple network servers, or a cloud composed of a large number of hosts or network servers based on cloud computing, where cloud computing is distributed A type of computing, a super virtual computer composed of a group of loosely coupled computer sets.

As shown in FIG. 2, in this embodiment, the information processing device 1 based on the blockchain may include, but is not limited to, a memory 11, a processor 12, a network interface 13, and a memory 11 that can communicate with each other through a system bus. There is a processing system 10 that can run on a processor 12. It should be pointed out that Fig. 2 only shows the block chain-based information processing device 1 with components 11-13, but it should be understood that it is not required to implement all the shown components, and more or Fewer components.

Among them, the memory 11 includes a memory and at least one type of readable storage medium. The memory provides cache for the operation of the information processing device 1 based on the blockchain; the readable storage medium can be, for example, flash memory, hard disk, multimedia card, card-type memory (for example, SD or DX memory, etc.), random access memory (RAM), Non-volatile storage of static random access memory (SRAM), read only memory (ROM), electrically erasable programmable read only memory (EEPROM), programmable read only memory (PROM), magnetic memory, magnetic disks, optical disks, etc. medium. In some embodiments, the readable storage medium may be the internal storage unit of the blockchain-based information processing device 1, for example, the hard disk of the blockchain-based information processing device 1. In other embodiments, the non-transitory The lossy storage medium may also be an external storage device of the information processing device 1 based on the blockchain, for example, a plug-in hard disk or a smart media card (SMC) equipped on the information processing device 1 based on the blockchain. Secure Digital (SD) card, flash card (Flash Card), etc. In this embodiment, the readable storage medium of the memory 11 is generally used to store the operating system and various application software installed in the information processing device 1 based on the blockchain, for example, to store the program of the processing system 10 in an embodiment of the present application Code etc. In addition, the memory 11 can also be used to temporarily store various types of data that have been output or will be output.

The processor 12 may be a central processing unit (Central Processing Unit, CPU), controller, microcontroller, microprocessor, or other data processing chip in some embodiments, and is used to run data stored in the memory 11 Program code or processing data, such as running the processing system 10, etc.

The network interface 13 may include a standard wireless network interface and a wired network interface. The network interface 13 is usually used to establish a communication connection between the blockchain-based information processing apparatus 1 and other electronic devices.

The processing system 10 is stored in the memory 11, and includes at least one computer-readable instruction stored in the memory 11, and the at least one computer-readable instruction can be executed by the processor 12 to implement the method of each embodiment of the present application; And, the at least one computer-readable instruction can be divided into different logic modules according to the different functions implemented by its parts.

In an embodiment, the above-mentioned processing system 10 implements the following steps when being executed by the processor 12:

After the user uses the terminal device to log in to the application platform for business processing, send the first authorization agreement application for the user to confirm whether to open the authority to extract the device information of the terminal device;

If the instruction to confirm the permission is received, the device information of the terminal device is extracted, the user information of the user, the list of risk users pre-stored in the blockchain, and the device information of the terminal device, user information, and risk user list are obtained Analyze whether the user is a risk user;

If the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to enable the permission to extract user behavior information recorded in the terminal device;

If an instruction confirming the activation of the authority is received, extract the user behavior information recorded in the terminal device every predetermined time, and calculate the user's risk value based on the user behavior information;

The corresponding predetermined risk threshold is obtained based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, the user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the area The list of risky users of the blockchain.

Further, the user behavior information includes non-application operation information, the non-application operation information includes call records, short message records, social application records, and web browsing records, and the step of calculating the user's risk value based on the user behavior information , Specifically including:

Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

Use the first score or the second score or the sum of the first score and the second score as the risk value.

Further, the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, web browsing records, use frequency of contacts, use frequency of short messages, and use of social applications Frequency and web page browsing frequency, the step of calculating the risk value of the user based on the user behavior information specifically includes:

Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

The sum of the first score, the second score, and the third score is used as the risk value.

Further, the user behavior information includes non-application operation information and application operation information, and the non-application operation information includes call records, short message records, social application records, web browsing records, use frequency of address book, use frequency of short messages, The usage frequency of social applications and the browsing frequency of web pages, the application operation information includes application operation speed, application operation frequency, application operation time, and application operation modification times, and the step of calculating the user's risk value based on the user behavior information , Specifically including:

Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

Acquiring a preset fourth score relationship table, and acquiring a fourth score based on the fourth score relationship table and the application operation speed, application operation frequency, application operation time, and modification times of the application operation;

The sum of the first score, the second score, the third score, and the fourth score is used as the risk value.

Referring to FIG. 3, it is a program module diagram of the processing system 10 in FIGS. 1 and 2. The processing system 10 is divided into multiple modules, and the multiple modules are stored in the memory 12 and executed by the processor 13 to complete the application. The module referred to in this application refers to a series of computer program instruction segments that can complete specific functions.

The processing system 10 can be divided into: a first sending module 101, a first analysis module 102, a second sending module 103, a second analysis module 104, and a marking module 105.

The first sending module 101 is configured to send a first authorization agreement application after the user uses a terminal device to log in to the application platform for business processing, for the user to confirm whether to open the authority to extract device information of the terminal device;

The first analysis module 102 is configured to extract the device information of the terminal device if the instruction to confirm the activation of the permission is received, obtain the user information of the user, and the risk user list pre-stored in the blockchain, based on the device of the terminal device Information, user information and risk user list to analyze whether the user is a risk user;

The second sending module 103 is configured to, if the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to open the authority to extract the user behavior information recorded in the terminal device;

The second analysis module 104 is configured to extract the user behavior information recorded in the terminal device every predetermined time if an instruction to confirm the activation of the authority is received, and calculate the risk value of the user based on the user behavior information;

The marking module 105 is configured to obtain a corresponding predetermined risk threshold based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, mark the user as a risk user, and combine the user information of the user and the terminal device The device information of is added to the list of risky users of the blockchain.

For the specific principle, please refer to the introduction of the flow chart of the method in Figure 4 below.

As shown in FIG. 4, FIG. 4 is a schematic flowchart of an embodiment of a blockchain-based information processing method of this application, which is implemented when the processor 13 of the blockchain-based information processing device 1 executes the processing system 10 stored in the memory 12 The steps of the method are as follows:

Step S1: After the user logs in to the application platform for business processing using a terminal device, send a first authorization agreement application for the user to confirm whether to open the authority to extract the device information of the terminal device;

Among them, the terminal device may be a device held by an individual such as a mobile phone, a notebook, or a tablet computer. The business can be a loan application, a credit card application, an insurance application, etc., of course, it can also be other business, for example, a business related to the user's credit risk.

Among them, the device information of the terminal device includes two aspects of information, one is hardware information, and the other is network information. The hardware information includes the model/serial number of the terminal device, the serial number of the processor and the main board, the system version, IMEI, the physical hardware number of Wi-Fi, and the hardware number of Bluetooth. It is the only information of the terminal device; network information includes operation Business information, communication process, network location information, routing address, IP for public network, intranet distribution, and DNS resolution strategy, etc.

Among them, when logging in to the application platform for business processing, it is necessary to enter the user's personal user information. The first authorization agreement application sent is for the user to confirm whether to enable the permission to extract the device information of the terminal device. If the user agrees to enable the permission, click OK to authorize the organization corresponding to the application platform to extract the terminal device’s permission Device information; if the user does not agree to open the permission, you can click Cancel. In the case of cancellation, the business processing can be ended, or the first authorization agreement application can be sent to the user again for reconfirmation.

Wherein, if the organization corresponding to the application platform is authorized to extract the device information of the terminal device, the application can call a predetermined programming interface of the terminal device to extract the device information.

Step S2: If the instruction to confirm the activation of the authority is received, the device information of the terminal device is extracted, the user information of the user, and the risk user list pre-stored in the blockchain are obtained, based on the device information, user information, and user information of the terminal device. The risk user list analyzes whether the user is a risk user;

Among them, a list of risk users is pre-stored in the blockchain, and the user information of each risk user and the equipment information of the associated terminal equipment are recorded in the risk user list. User information includes name, ID number, address, contact information, etc. Compare the user information of the user and the equipment information of the terminal equipment with the information of each user in the risk user list. If the user information of the user and the equipment information of the terminal equipment in the risk user list are the same as that of the user, confirm If the user is the same user, the user is at risk; if the user steals the identity information of others and uses the same terminal device to log in to the application platform for business transactions, since the terminal device has the same device information, it can also be identified as the same user, and the user is at risk user.

Step S3: If the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to open the authority to extract the user behavior information recorded in the terminal device;

Among them, for non-risk users, some objective information needs to be further extracted to analyze whether the user is a risk user. The second authorization agreement application sent is for the user to confirm whether to open the permission to extract the user behavior information recorded in the terminal device. If the user agrees to open the permission, you can click OK to authorize the organization corresponding to the application platform to extract the User behavior information recorded in the terminal device; if the user does not agree to enable the permission, you can click Cancel. In the case of cancellation, the business processing can be ended, or the second authorization agreement application can be sent to the user again for reconfirmation.

Wherein, if the organization corresponding to the application platform is authorized to extract the user behavior information recorded in the terminal device, the underlying method of the terminal device can be called by the application to extract the user behavior information recorded in the terminal device.

Among them, for risk users, business processing ends directly.

Step S4, if an instruction confirming the activation of the authority is received, extract the user behavior information recorded in the terminal device every predetermined time, and calculate the user's risk value based on the user behavior information;

Wherein, after receiving the instruction to confirm the opening of the authority, the user behavior information recorded in the terminal device is directly extracted and the risk value of the user is calculated. After that, the information recorded in the terminal device is extracted every predetermined time (for example, one week) User behavior information and calculate the user’s risk value.

In one embodiment, the user behavior information includes non-application operation information. The application refers to the application for the user to handle business. The non-application operation information includes call records, short message records, social application records, and web browsing records. The steps of calculating the user’s risk value with user behavior information specifically include:

Obtain a preset first score relationship table, analyze whether there is a risk user in the call record, record the first score based on the first score relationship table and the result of this analysis; obtain a preset second score The relationship table, extract keywords from the short message records, social application records, and web browsing records, and analyze whether the keywords have the same semantics as predetermined risk keywords, based on the second score relationship table and this analysis result Record the second score; use the first score or the second score or the sum of the first score and the second score as the risk value.

First, compare and analyze the contact information in the call record with the contact information of the user in the risk user list. If the contact information in the call record is the same as the contact information of the user in the risk user list, it is considered that there is a risk in the call record Users, count the number of risky users in the call record to obtain the corresponding score from the preset first score relationship table.

In the preset first score relationship table, the number of risky users in the call record and the corresponding score are recorded, as shown in Table 1 below:

Number of at-risk users in call logs	0	1	＞1
Points	0	3	6

Table 1

Furthermore, the frequency and time of contact with risky users in the call record can also be analyzed. If the frequency and time of contact with risky users are higher, the corresponding score is higher, and the risk is greater. In this way, the accuracy of the analysis can be improved.

Then, keywords in SMS records, social application records, and web browsing records can be extracted. Keyword extraction can use existing mature technologies, such as TF-IDF (Term Frequency-Inverse Document Frequency, term frequency-reverse text). Frequency) algorithm, LSA (Latent Semantic Analysis) algorithm, or PLSA (Probabilisitic Latent Semantic Analysis) algorithm and other keyword extraction algorithms. The keywords are different depending on the business. For example, for the loan business, the keywords are for example: a certain loan APP, repayment date, collection, and a certain loan APP SMS verification (more frequent loan APP verification SMS will occur when multiple loans are made )and many more. At the same time, analyze whether the keywords have the same semantics as the predetermined risk keywords. The predetermined risk keywords are, for example, repayment, collection, loan, etc.

If there are keywords that have the same semantics as the predetermined risk keywords in the SMS records, social application records, and web browsing records, the user is at a certain risk. The number of keywords with the same semantics as the predetermined risk keywords can be counted. The corresponding score is obtained from the preset second score relationship table.

In the preset second score relationship table, the number of keywords with the same semantics as the predetermined risk keywords in the SMS records, social application records, and web browsing records and the corresponding scores are recorded, as shown in Table 2 below :

Table 2

Further, the time when keywords with the same semantics as the predetermined risk keywords in the short message records, social application records, and web browsing records appear can also be analyzed. The closer the time, the higher the corresponding score. In this way, the accuracy of the analysis can be improved.

Finally, the above-mentioned first score or second score or the sum of the first score and the second score can be used as the risk value of the user.

In another embodiment, the user behavior information includes non-application operation information, and the non-application operation information includes call history, short message history, social application history, web browsing history, address book usage frequency, short message usage frequency, and social application usage information. Frequency and web page browsing frequency, the step of calculating the risk value of the user based on the user behavior information specifically includes:

Obtain a preset first score relationship table, analyze whether there is a risk user in the call record, record the first score based on the first score relationship table and the result of this analysis; obtain a preset second score The relationship table, extract keywords from the short message records, social application records, and web browsing records, and analyze whether the keywords have the same semantics as predetermined risk keywords, based on the second score relationship table and this analysis result Record the second score; obtain the preset third score relationship table, based on the third score relationship table and the frequency of use of the address book, the frequency of use of text messages, the frequency of use of social applications, and the frequency of web page browsing Obtain a third score; use the sum of the first score, the second score, and the third score as the risk value.

Wherein, to obtain the first score and the second score of the user, reference may be made to the foregoing embodiment. In this embodiment, the use frequency of the address book, the use frequency of short messages, the use frequency of social applications, and the browsing frequency of web pages are added as factors to consider whether the user is at risk. If the use frequency of the address book, the use frequency of text messages, the use frequency of social applications, and the frequency of web page browsing are all low, it is considered that the user does not use the terminal device frequently. Considering that the user may use a new terminal device for business, in order to avoid This risk can be analyzed in depth by combining the aforementioned call records, SMS records, social application records, and web browsing records, and the sum of the first score, the second score, and the third score can be used as the user's risk value.

In the preset third score relationship table, the usage frequency of the address book, the usage frequency of short messages, the usage frequency of social applications, the browsing frequency of web pages and the corresponding scores are recorded, as shown in Table 3 below:

How often the address book is used (daily/time)	＜2	2-5	＞5
Points	5	3	1
Use frequency of SMS (daily/time)	＜2	2-5	＞5
Points	5	3	1
Frequency of use of social applications (daily/time)	＜2	2-5	＞5
Points	5	3	1
Frequency of web page views (daily/time)	＜2	2-5	＞5
Points	5	3	1

table 3

This embodiment can further improve the accuracy of the risk value through the above-mentioned in-depth analysis of user behavior.

In still another embodiment, the user behavior information includes non-application operation information and application operation information. The non-application operation information includes call records, short message records, social application records, web browsing records, address book usage frequency, short message usage frequency, The frequency of use of social applications and the frequency of browsing web pages. The application operation information includes application operation speed, application operation frequency, application operation time, and application operation modification times. The step of calculating the user’s risk value based on the user behavior information is specifically include:

Obtain a preset first score relationship table, analyze whether there is a risk user in the call record, record the first score based on the first score relationship table and the result of this analysis; obtain a preset second score The relationship table, extract keywords from the short message records, social application records, and web browsing records, and analyze whether the keywords have the same semantics as predetermined risk keywords, based on the second score relationship table and this analysis result Record the second score; obtain the preset third score relationship table, based on the third score relationship table and the frequency of use of the address book, the frequency of use of text messages, the frequency of use of social applications, and the frequency of web page browsing Obtain a third score; acquire a preset fourth score relationship table, and obtain a fourth score based on the fourth score relationship table and the application operation speed, application operation frequency, application operation time, and modification times of application operations Value; the sum of the first score, the second score, the third score, and the fourth score is used as the risk value.

Wherein, to obtain the first score, second score, and third score of the user, reference may be made to the foregoing embodiment. This embodiment adds application operation information, that is, the corresponding operation information in the application used by the user to handle business, including application operation speed, application operation frequency, application operation time, and modification times of application operations, as a further consideration of whether the user has Factors of risk. Generally speaking, you need to prepare materials for business, and they are more complicated. For application operation speed, application operation frequency, application operation time, and modification times of application operation, if the application operation speed is faster, the application operation frequency is greater, and the application operation time is longer. Short, the less the number of modification of the application operation, the more the user is prepared and the greater the risk. Finally, the sum of the first score, the second score, the third score, and the fourth score is used as the risk value of the user.

In the preset fourth score relationship table, application operation speed, application operation frequency, application operation time, application operation modification times and corresponding scores are recorded, as shown in Table 4 below:

Table 4

This embodiment combines non-application operation information and application operation information to perform an in-depth analysis of user behavior, and further improves the accuracy of the risk value.

Step S5: Obtain a corresponding predetermined risk threshold based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, mark the user as a risk user, and combine the user information of the user and the device information of the terminal device Added to the list of risky users of the blockchain.

Among them, different user behavior information corresponds to different predetermined risk thresholds. The more factors in the user behavior information, the higher the corresponding risk threshold; conversely, the fewer factors in the user behavior information, the lower the corresponding risk threshold. For example, if the sum of the aforementioned first score and second score is used as the user’s risk value, the corresponding risk threshold is lower. If the aforementioned first score, second score, and third score are used The sum of the fourth score is used as the user's risk value, and the corresponding risk threshold is higher.

For users who are greater than or equal to the risk threshold, mark them as risk users, and then add the user information of the user and the device information of the terminal device to the list of risk users on the blockchain for other institutions to share and call.

Further, if the risk value of the user is less than the risk threshold, but a risk event occurs to the user after the business is processed, such as a loan fraud event, the user is also marked as a risk user, and the user information of the user and The device information of the terminal device is added to the list of risky users of the blockchain.

Further, if the user confirms to enable the above-mentioned permission to extract the device information of the terminal device and the permission to extract the user behavior information recorded in the terminal device, information that is beneficial to business processing can be pushed to the user. For example, for loan business, it can improve Loan limits, etc.

In addition, the embodiment of the present application also proposes a computer-readable storage medium. The computer-readable storage medium may be non-volatile or volatile. The computer-readable storage medium may be a hard disk, a multimedia card, an SD card, a flash memory card, an SMC, a read only memory (ROM), an erasable programmable read only memory (EPROM), a portable compact disk read only memory (CD -ROM), USB memory, etc. any one or any combination of several. The computer-readable storage medium includes a processing system. For the functions implemented by the processing system when executed by the processor, please refer to the above description of FIG.

The serial numbers of the foregoing embodiments of the present application are only for description, and do not represent the advantages and disadvantages of the embodiments.

It should be noted that in this article, the terms "including", "including" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, device, article or method including a series of elements not only includes those elements, It also includes other elements that are not explicitly listed, or elements inherent to the process, device, article, or method.

Through the description of the above embodiments, those skilled in the art can clearly understand that the method of the above embodiments can be implemented by means of software plus the necessary general hardware platform. Of course, it can also be implemented by hardware, but in many cases the former is better.的实施方式。 Based on this understanding, the technical solution of this application essentially or the part that contributes to the existing technology can be embodied in the form of a software product, and the computer software product is stored in a storage medium (such as ROM/RAM, magnetic disk, The optical disc) includes several instructions to enable a terminal device (which can be a mobile phone, a computer, a server, an air conditioner, or a network device, etc.) to execute the method described in each embodiment of the present application.

The above are only preferred embodiments of this application, and do not limit the scope of this application. Any equivalent structure or equivalent process transformation made using the content of the description and drawings of this application, or directly or indirectly used in other related technical fields , The same reason is included in the scope of patent protection of this application.

Claims (20)

1. A block chain-based information processing device, wherein the block chain-based information processing device includes a memory and a processor connected to the memory, and the memory that can run on the processor A processing system, when the processing system is executed by the processor, the following steps are implemented:

   After the user uses the terminal device to log in to the application platform for business processing, send the first authorization agreement application for the user to confirm whether to open the authority to extract the device information of the terminal device;

   If the instruction to confirm the permission is received, the device information of the terminal device is extracted, the user information of the user, the list of risk users pre-stored in the blockchain, and the device information of the terminal device, user information, and risk user list are obtained Analyze whether the user is a risk user;

   If the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to enable the permission to extract user behavior information recorded in the terminal device;

   If an instruction confirming the activation of the authority is received, extract the user behavior information recorded in the terminal device every predetermined time, and calculate the user's risk value based on the user behavior information;

   The corresponding predetermined risk threshold is obtained based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, the user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the area The list of risky users of the blockchain.
2. The blockchain-based information processing device according to claim 1, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, and web browsing records, The step of calculating the risk value of the user based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Use the first score or the second score or the sum of the first score and the second score as the risk value.
3. The blockchain-based information processing device according to claim 1, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, web browsing records, The use frequency of the address book, the use frequency of short messages, the use frequency of social applications and the frequency of web page browsing, the step of calculating the user's risk value based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the SMS records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

   The sum of the first score, the second score, and the third score is used as the risk value.
4. The blockchain-based information processing device according to claim 1, wherein the user behavior information includes non-application operation information and application operation information, and the non-application operation information includes call records, short message records, social application records, Web browsing history, address book usage frequency, SMS usage frequency, social application usage frequency, and web page browsing frequency, the application operation information includes application operation speed, application operation frequency, application operation time, and modification times of application operation, The step of calculating the risk value of the user based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

   Acquiring a preset fourth score relationship table, and acquiring a fourth score based on the fourth score relationship table and the application operation speed, application operation frequency, application operation time, and modification times of the application operation;

   The sum of the first score, the second score, the third score, and the fourth score is used as the risk value.
5. A blockchain-based information processing method, wherein the blockchain-based information processing method includes:

   S1: After the user logs in to the application platform for business processing using a terminal device, send a first authorization agreement application for the user to confirm whether to open the authority to extract the device information of the terminal device;

   S2: If an instruction to confirm the permission is received, extract the device information of the terminal device, obtain the user information of the user, and a list of risky users pre-stored in the blockchain, based on the device information, user information and risk of the terminal device The user list analyzes whether the user is a risk user;

   S3: If the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to enable the permission to extract user behavior information recorded in the terminal device;

   S4: If an instruction confirming the activation of the authority is received, extract the user behavior information recorded in the terminal device every predetermined time, and calculate the user's risk value based on the user behavior information;

   S5. Obtain a corresponding predetermined risk threshold based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, mark the user as a risk user, and add the user information of the user and the device information of the terminal device To the list of risky users of the blockchain.
6. The block chain-based information processing method according to claim 5, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, and web browsing records, The step of calculating the risk value of the user based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Use the first score or the second score or the sum of the first score and the second score as the risk value.
7. The blockchain-based information processing method of claim 5, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, web browsing records, The use frequency of the address book, the use frequency of short messages, the use frequency of social applications and the frequency of web page browsing, the step of calculating the user's risk value based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

   The sum of the first score, the second score, and the third score is used as the risk value.
8. The blockchain-based information processing method according to claim 5, wherein the user behavior information includes non-application operation information and application operation information, and the non-application operation information includes call records, short message records, social application records, Web browsing history, address book usage frequency, SMS usage frequency, social application usage frequency, and web page browsing frequency, the application operation information includes application operation speed, application operation frequency, application operation time, and modification times of application operation, The step of calculating the risk value of the user based on the user behavior information specifically includes:

   Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

   Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

   Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

   Acquiring a preset fourth score relationship table, and acquiring a fourth score based on the fourth score relationship table and the application operation speed, application operation frequency, application operation time, and modification times of the application operation;

   The sum of the first score, the second score, the third score, and the fourth score is used as the risk value.
9. The block chain-based information processing method according to claim 5, wherein after S5, it further comprises: if the user's risk value is less than the risk threshold, after completing the business, if the user has a risk event, The user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
10. The blockchain-based information processing method according to claim 6, wherein after S5, it further comprises: if the user's risk value is less than the risk threshold, after completing the business, if the user has a risk event, The user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
11. The block chain-based information processing method according to claim 7, wherein after S5, it further comprises: if the risk value of the user is less than the risk threshold, after completing the business, if the user has a risk event, The user is marked as a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
12. The block chain-based information processing method according to claim 8, wherein after S5, it further comprises: if the risk value of the user is less than the risk threshold, after completing the business, if the user has a risk event, Then mark the user as a risk user, and add the user information of the user and the device information of the terminal device to the list of risk users on the blockchain.
13. A computer-readable storage medium, wherein a processing system is stored on the computer-readable storage medium, and when the processing system is executed by a processor, the following steps are implemented:

    S1: After the user logs in to the application platform for business processing using a terminal device, send a first authorization agreement application for the user to confirm whether to open the authority to extract the device information of the terminal device;

    S2: If an instruction to confirm the permission is received, extract the device information of the terminal device, obtain the user information of the user, and a list of risky users pre-stored in the blockchain, based on the device information, user information and risk of the terminal device The user list analyzes whether the user is a risk user;

    S3: If the user is a non-risk user, send a second authorization agreement application for the user to confirm whether to enable the permission to extract user behavior information recorded in the terminal device;

    S4: If an instruction confirming the activation of the authority is received, extract the user behavior information recorded in the terminal device every predetermined time, and calculate the user's risk value based on the user behavior information;

    S5. Obtain a corresponding predetermined risk threshold based on the user behavior information. If the user's risk value is greater than or equal to the risk threshold, mark the user as a risk user, and add the user information of the user and the device information of the terminal device To the list of risky users of the blockchain.
14. The computer-readable storage medium of claim 13, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, and web browsing records, and the The step of calculating the user's risk value with the user behavior information specifically includes:

    Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

    Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

    Use the first score or the second score or the sum of the first score and the second score as the risk value.
15. The computer-readable storage medium according to claim 13, wherein the user behavior information includes non-application operation information, and the non-application operation information includes call records, short message records, social application records, web browsing records, and address book information. The use frequency, the use frequency of short messages, the use frequency of social applications, and the frequency of web page browsing, the step of calculating the user's risk value based on the user behavior information specifically includes:

    Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

    Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

    Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

    The sum of the first score, the second score, and the third score is used as the risk value.
16. The computer-readable storage medium according to claim 13, wherein the user behavior information includes non-application operation information and application operation information, and the non-application operation information includes call records, short message records, social application records, and web browsing records , The use frequency of the address book, the use frequency of text messages, the use frequency of social applications, and the frequency of web page browsing, the application operation information includes application operation speed, application operation frequency, application operation time, and application operation modification times. The step of calculating the user's risk value with the user behavior information specifically includes:

    Acquiring a preset first score relationship table, analyzing whether there is a risk user in the call record, and recording the first score based on the first score relationship table and the result of this analysis;

    Obtain a preset second score relationship table, extract keywords in the short message records, social application records, and web browsing records, and analyze whether the keywords are semantically identical to predetermined risk keywords, based on the second score Value relationship table and record the second score of this analysis result;

    Obtain a preset third score relationship table, and obtain a third score based on the third score relationship table and the frequency of use of the address book, the frequency of use of short messages, the frequency of use of social applications, and the frequency of web page browsing;

    Acquiring a preset fourth score relationship table, and acquiring a fourth score based on the fourth score relationship table and the application operation speed, application operation frequency, application operation time, and modification times of the application operation;

    The sum of the first score, the second score, the third score, and the fourth score is used as the risk value.
17. The computer-readable storage medium according to claim 13, wherein after S5, it further comprises: if the risk value of the user is less than the risk threshold, after completing the business, if a risk event occurs in the user, marking the user The user is a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
18. The computer-readable storage medium according to claim 14, wherein after S5, it further comprises: if the user's risk value is less than the risk threshold, after completing the business, if the user has a risk event, marking the user The user is a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
19. The computer-readable storage medium according to claim 15, wherein after S5, it further comprises: if the risk value of the user is less than the risk threshold, after completing the business, if a risk event occurs to the user, marking the user The user is a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.
20. The computer-readable storage medium according to claim 16, wherein after S5, it further comprises: if the user's risk value is less than the risk threshold, after completing the business, if the user has a risk event, marking the user The user is a risk user, and the user information of the user and the device information of the terminal device are added to the list of risk users on the blockchain.

Images