CN113627946A - Block chain based vein payment method and device and bracelet equipment - Google Patents
Block chain based vein payment method and device and bracelet equipment Download PDFInfo
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- 210000003462 vein Anatomy 0.000 title claims abstract description 234
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- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- G06Q20/4014—Identity check for transactions
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Abstract
The invention discloses a vein payment method and device based on a block chain and bracelet equipment, and relates to the technical field of block chains, wherein the method comprises the following steps: acquiring first vein information of a target user through bracelet equipment, wherein the target user is a user who wears the bracelet equipment currently; recording the collected first vein information on a block chain locally deployed by the hand ring equipment; matching the first vein information with second vein information of a target user pre-stored on the block chain to generate a vein matching result; and determining whether to execute the payment transaction initiated by the target user through the bracelet equipment or not according to the vein matching result. The invention can provide a convenient, efficient and safe payment method.
Description
Technical Field
The invention relates to the technical field of block chains, in particular to a block chain-based vein payment method and device and a bracelet device.
Background
With the rapid development of information technology and the continuous progress of human society, the information technology is required to be updated and higher. The demand of identifying the identity of a person in the network information era is more and more applied, the digitalization and the recessiveness of the identity are more required, the identity of a person can be accurately identified, the information safety is protected, and the method is a key problem which must be solved in the information era.
Since each person's vein profile has a unique and persistent characteristic similar to a fingerprint, it is possible to determine a person's identity information using vein information. With the wide popularization of electronic payment, how to ensure the security of electronic payment in a network-free state is a technical problem to be solved urgently at present.
Disclosure of Invention
The embodiment of the invention provides a block chain-based vein payment method, which is used for providing a convenient, efficient and safe payment mode and comprises the following steps: acquiring first vein information of a target user through bracelet equipment, wherein the target user is a user who wears the bracelet equipment currently; recording the collected first vein information on a block chain locally deployed by the hand ring equipment; matching the first vein information with second vein information of a target user pre-stored on the block chain to generate a vein matching result; and determining whether to execute the payment transaction initiated by the target user through the bracelet equipment or not according to the vein matching result.
The embodiment of the invention also provides a block chain-based vein payment device, which is used for providing a convenient, efficient and safe payment mode and comprises the following components: the vein information acquisition module is used for acquiring first vein information of a target user through the bracelet equipment, wherein the target user is a user who wears the bracelet equipment currently; the block chain data recording module is used for recording the acquired first vein information on a block chain locally deployed by the hand ring equipment; the vein matching module is used for matching the first vein information with second vein information of a target user pre-stored on the block chain to generate a vein matching result; and the payment transaction module is used for determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to the vein matching result.
The embodiment of the invention also provides bracelet equipment for providing a convenient, efficient and safe payment mode, and the bracelet equipment comprises: the system comprises a vein information acquisition unit, a block chain unit and a payment unit; the device comprises a vein information acquisition unit, a bracelet information acquisition unit and a bracelet information acquisition unit, wherein the vein information acquisition unit is used for acquiring first vein information of a target user, and the target user is a user who wears bracelet equipment at present; the blockchain unit is used for recording the acquired first vein information on a blockchain locally deployed by the hand ring device; and the payment unit is used for matching the first vein information with second vein information of the target user, which is pre-stored on the block chain, generating a vein matching result, and determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to the vein matching result.
The embodiment of the invention also provides computer equipment for providing a convenient, efficient and safe payment mode, wherein the computer equipment comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, and the block chain-based vein payment method is realized when the processor executes the computer program.
The embodiment of the invention also provides a computer readable storage medium for providing a convenient, efficient and safe payment method, and the computer readable storage medium stores a computer program for executing the block chain-based vein payment method.
According to the vein payment method and device based on the block chain and the bracelet equipment, the block chain is deployed on the bracelet equipment, after the bracelet equipment collects first vein information of a target user wearing the bracelet equipment at present, the collected first vein information is recorded on the block chain, the first vein information is matched with second vein information of the target user stored in the block chain in advance, a vein matching result is generated, and the bracelet equipment determines whether to execute payment transaction initiated by the target user through the bracelet equipment according to the vein matching result. The embodiment of the invention can provide a convenient, efficient and safe payment method.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a block chain-based vein payment method provided in an embodiment of the present invention;
fig. 2 is a flowchart of an alternative block chain based vein payment method provided in an embodiment of the present invention;
fig. 3 is a flowchart of an alternative block chain based vein payment method provided in an embodiment of the present invention;
fig. 4 is a flowchart of an alternative block chain based vein payment method provided in an embodiment of the present invention;
fig. 5 is a flowchart of an alternative block chain based vein payment method provided in an embodiment of the present invention;
fig. 6 is a flowchart of an alternative block chain based vein payment method provided in an embodiment of the present invention;
fig. 7 is a schematic diagram of a block chain-based vein payment apparatus provided in an embodiment of the present invention;
fig. 8 is a schematic view of a bracelet device according to an embodiment of the present invention;
fig. 9 is a schematic diagram of a computer device provided in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
An embodiment of the present invention provides a block chain based vein payment method, and fig. 1 is a flowchart of a block chain based vein payment method provided in an embodiment of the present invention, and as shown in fig. 1, the method includes the following steps:
s101, collecting first vein information of a target user through the bracelet equipment, wherein the target user is a user wearing the bracelet equipment at present.
It should be noted that the bracelet device in the embodiment of the present invention is a device that can implement user authentication and perform electronic payment through vein information; in order to enable the bracelet device to pay even in a network-free state, the vein information of the user needs to be stored in the bracelet device in advance so as to be compared with the vein information of the user collected in real time during payment, and the authentication of the identity information of the user is realized. And then the vein information of the user is directly stored in the hand ring device, so that the safety problem exists. In the embodiment of the invention, the private blockchain is arranged in the bracelet equipment, and the vein information of the user is recorded by using the blockchain arranged in the bracelet equipment, so that the vein information stored in the bracelet equipment can be ensured not to be tampered.
In specific implementation, in S101, when a target user initiates a payment transaction through the bracelet device, first vein information of the target user may be collected, so as to verify identity information of a user currently initiating the payment transaction.
And S102, recording the acquired first vein information on a block chain locally deployed by the hand ring device.
In the embodiment of the invention, the block chain is locally deployed on the bracelet equipment, the vein information of the user is recorded, the vein information can be ensured not to be falsified and traceable, the first vein information acquired when the user initiates a payment transaction is recorded on the block chain locally deployed on the bracelet equipment, and the vein information can be conveniently traced in the follow-up process.
S103, matching the first vein information with second vein information of a target user pre-stored on the block chain to generate a vein matching result.
In the embodiment of the invention, the vein matching result is directly recorded on the block chain locally deployed by the bracelet equipment, so that on one hand, the subsequent tracing of the vein matching result can be facilitated, and on the other hand, the identity information of the user can be quickly verified according to the vein matching result recorded on the block chain.
And S104, determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to the vein matching result.
In specific implementation, as shown in fig. 2, in the block chain based vein payment method provided in the embodiment of the present invention, the step S104 may be implemented by:
s201, if the vein matching result is that the matching is successful, allowing the target user to execute the payment transaction initiated by the bracelet equipment;
s202, if the vein matching result is that the matching fails, the payment transaction initiated by the target user through the bracelet device is refused to be executed.
In the embodiment of the invention, the collected first vein information is matched with second vein information of a target user, which is stored in advance on a block chain, so as to generate a vein matching result, and if the vein matching result is successful, the identity information of the target user is confirmed to pass verification; on the contrary, if the vein matching result is that the matching fails, the identity information of the target user is determined to be not verified, the vein information is stored in the block chain, and the identity information of the user can be conveniently traced according to the vein information stored in the block chain.
Since the block chain storage data requires a plurality of block chain storage nodes to achieve a consensus, and achieving the consensus requires the bracelet device to be in a network state, in an embodiment, as shown in fig. 3, the block chain-based vein payment method provided in the embodiment of the present invention further includes the following steps:
s301, monitoring the network state of the bracelet equipment;
s302, recording a vein matching result on a block chain locally deployed by the bracelet equipment when the situation that the bracelet equipment is in a network state is monitored;
and S303, when the situation that the bracelet device is in a network-free state is monitored, whether the payment transaction initiated by the target user through the bracelet device is executed or not is determined directly according to a vein matching result stored on a block chain locally deployed by the bracelet device.
When the wearing state of the bracelet device changes in the absence of a network state, the binding relationship between the bracelet device and a client in the presence of the network state changes, and various risk control means performed before may fail. In order to further reduce the transaction risk in the network-free state, in an embodiment, as shown in fig. 4, the block chain based vein payment method provided in the embodiment of the present invention further includes the following steps:
s401, monitoring the wearing state of the bracelet equipment in a network-free state;
s402, when the wearing state of the bracelet equipment is changed in the network-free state, the payment transaction initiated when the bracelet equipment is in the network-free state is refused to be executed.
When bracelet equipment is in no network state, uncertain factor is more, means that the risk is probably bigger. The general vein parameter threshold is a parameter set in a network state, and if the vein parameter threshold is directly used, risks may occur, that is, the general vein parameter threshold cannot meet the requirements of transaction risk control of a customer, so that the vein parameter threshold in a network-free state needs to be determined, and the customer is authenticated according to the vein parameter threshold to ensure the safety of customer transactions. Therefore, in an embodiment, when the bracelet device is in a no-network state, as shown in fig. 5, the block chain based vein payment method provided in the embodiment of the present invention further includes the following steps:
s501, determining a vein parameter threshold value of a target user when the bracelet device is in a network-free state;
s502, according to the vein parameter threshold value of the target user when the bracelet device is in the network-free state, vein information verification is carried out on the target user, and whether payment transaction initiated by the target user through the bracelet device is executed or not is determined according to the verification result.
The vein parameter threshold corresponds to transaction risk control of the client, and the specific vein parameter threshold and the probability of transaction risk occurrence of vein identification are in an inverse relation, namely the higher the vein parameter threshold is, the lower the transaction risk of the client is, and the lower the vein parameter threshold is, the higher the transaction risk of the client is. On the premise that the vein parameter threshold is the same, the risk of the client is more likely to occur in the non-network state than in the network state, and in order to ensure that the risk of the client transaction is lower, the vein parameter threshold in the non-network state needs to be appropriately increased. Banks currently have a large amount of transaction data with network states, and through a large amount of practices, transaction risk control under the network states is effective, for example, setting of vein parameter thresholds is reasonable. Therefore, the vein parameter threshold value in the non-network state can be set by quantifying the risks of the network state and the non-network state and by taking the vein parameter threshold value in the network state as a reference. To ensure that the risk of vein recognition occurring during a customer transaction is low, in one embodiment, as shown in fig. 6, the block chain based vein payment method provided in the embodiment of the present invention may determine the vein parameter threshold of the target user when the bracelet device is in a network-free state by the following steps:
s601, collecting historical transaction data of a plurality of users, wherein the historical transaction data of each client comprises: first historical transaction data of each user when the bracelet device is in a network state and second historical transaction data of each user when the bracelet device is in a network-free state;
s602, determining a first transaction risk coefficient of a target user when the bracelet equipment is in a network state according to first historical transaction data of a plurality of users; determining a second transaction risk coefficient of the target user when the bracelet equipment is in a network-free state according to second historical transaction data of the plurality of users;
and S603, determining a vein parameter threshold value of the target user when the bracelet device is in a network-free state according to the first transaction risk coefficient and the second transaction risk coefficient of the target user by using an intelligent contract pre-configured on the blockchain network.
Specifically, the transaction risk coefficient is used to measure a quantitative index of a loss of a client due to a transaction under a certain condition. The transaction risk coefficient in a certain state (including an un-network state and a network state) can be calculated by the following method: determining risk types according to risk data in the transaction data in the state, wherein the risk types account for the proportion of the whole transaction data, and risk indexes of each risk type, and the risk indexes comprise risk coefficients and probabilities; and determining the transaction risk coefficient in the corresponding state according to the proportion of the risk data to the whole transaction data and the risk index of each risk type. The impact of different types of risk on the customer is different. The loss caused by the corresponding risk type to the client can be determined based on the data corresponding to each risk type, a large amount of data is stored in a bank database, the data can sufficiently reflect the rule that the risk causes the loss to the client by a large number theorem, the risk value corresponding to each risk type can be basically measured by using the statistical average value, namely the risk coefficient corresponding to each risk type is set as the average value of the loss caused by the corresponding risk type to the client. Meanwhile, the probability of each risk type also reflects the influence of the risk type on the client, and the larger the probability is, the larger the influence is, and the larger the risk of the client is. The proportion of risk data to the overall transaction data also reflects the impact of risk in the corresponding state on the customer transaction. After the risk types, the risk coefficients and probabilities of each risk type, and the proportion of the risk data to the whole transaction data are determined, the transaction risk coefficients of the corresponding states can be determined, for example, the transaction risk coefficients are directly set as: t × sum (log (ri × ni)) or t × sum (ri × ni), where ri is the risk coefficient of the ith risk type, ni is the probability of the ith risk type, t is the proportion of risk data to the entire transaction data, and sum is a summation function.
Based on the same inventive concept, the embodiment of the present invention further provides a block chain based vein payment apparatus, as described in the following embodiments. Because the principle of the device for solving the problems is similar to the block chain-based vein payment method, the implementation of the device can refer to the implementation of the block chain-based vein payment method, and repeated details are omitted.
Fig. 7 is a schematic diagram of a block chain-based vein payment apparatus provided in an embodiment of the present invention, and as shown in fig. 7, the apparatus includes: a vein information collection module 71, a blockchain data recording module 72, a vein matching module 73, and a payment transaction module 74.
The vein information acquisition module 71 is configured to acquire first vein information of a target user through the bracelet device, where the target user is a user wearing the bracelet device currently; a blockchain data recording module 72, configured to record the acquired first vein information on a blockchain locally deployed by the bracelet device; the vein matching module 73 is configured to match the first vein information with second vein information of a target user pre-stored in the block chain, and generate a vein matching result; and a payment transaction module 74, configured to determine whether to execute a payment transaction initiated by the target user through the bracelet device according to the vein matching result.
In one embodiment, in an intravenous payment apparatus provided in an embodiment of the present invention based on a block chain, the payment transaction module 74 is specifically configured to: if the vein matching result is that the matching is successful, allowing the target user to execute the payment transaction initiated by the bracelet equipment; and if the vein matching result is that the matching fails, refusing to execute the payment transaction initiated by the target user through the bracelet equipment.
In one embodiment, as shown in fig. 7, the apparatus for vein payment based on block chain in the embodiment of the present invention further includes: a network status monitoring module 75, configured to monitor a network status of the bracelet device; in this embodiment, the blockchain data recording module 72 is further configured to record the vein matching result on a blockchain locally deployed in the bracelet device when it is monitored that the bracelet device is in a network state; the payment transaction module 74 is further configured to determine whether to execute a payment transaction initiated by a target user through the bracelet device directly according to a vein matching result stored on a block chain locally deployed by the bracelet device when it is monitored that the bracelet device is in a no-network state.
In one embodiment, as shown in fig. 7, the apparatus for vein payment based on block chain in the embodiment of the present invention further includes: the device wearing state monitoring module 76 is used for monitoring the wearing state of the bracelet device in a network-free state; in this embodiment, the payment module 74 is further configured to refuse to execute a payment transaction initiated when the bracelet device is in the no-network state if the wearing state of the bracelet device is changed in the no-network state.
In one embodiment, as shown in fig. 7, the apparatus for vein payment based on block chain in the embodiment of the present invention further includes: a vein parameter threshold determining module 77, configured to determine a vein parameter threshold of the target user when the bracelet device is in a no-network state; in this embodiment, the payment module 74 is further configured to perform vein information verification on the target user according to a vein parameter threshold of the target user when the bracelet device is in a no-network state, and determine whether to execute a payment transaction initiated by the target user through the bracelet device according to a verification result.
In one embodiment, in the vein delivery apparatus based on block chain provided in the embodiment of the present invention, the vein parameter threshold determination module 77 is further configured to: collecting historical transaction data of a plurality of users, wherein the historical transaction data of each client comprises: first historical transaction data of each user when the bracelet device is in a network state and second historical transaction data of each user when the bracelet device is in a network-free state; determining a first transaction risk coefficient of a target user when the bracelet equipment is in a network state according to the first historical transaction data of the plurality of users; determining a second transaction risk coefficient of the target user when the bracelet equipment is in a network-free state according to second historical transaction data of the plurality of users; and determining a vein parameter threshold value of the target user when the bracelet equipment is in a network-free state according to the first transaction risk coefficient and the second transaction risk coefficient of the target user by using an intelligent contract configured in advance on the blockchain network.
Based on the same inventive concept, the embodiment of the present invention further provides a bracelet device, as described in the following embodiments. Because the principle of solving the problems of the bracelet equipment is similar to the block chain-based vein payment method, the implementation of the device can refer to the implementation of the block chain-based vein payment method, and repeated parts are not repeated.
Fig. 8 is a schematic view of a bracelet device provided in an embodiment of the present invention, and as shown in fig. 8, the bracelet device includes: a vein information acquisition unit 801, a block chain unit 802, and a payment unit 803;
the vein information acquisition unit 801 is configured to acquire first vein information of a target user, where the target user is a user currently wearing bracelet equipment; a blockchain unit 802, configured to record the acquired first vein information on a blockchain locally deployed by the bracelet device; the payment unit 803 is configured to match the first vein information with second vein information of the target user pre-stored on the blockchain, generate a vein matching result, and determine whether to execute a payment transaction initiated by the target user through the bracelet device according to the vein matching result.
It should be noted that the bracelet device provided in the embodiment of the present invention may be a ring device that collects finger vein information, and may also be a wrist device that collects wrist vein information.
In the embodiment of the invention, the private block chain for recording the vein information of the user is deployed on the bracelet equipment, when the user wears the bracelet equipment, the vein information of the user is automatically acquired, the identity authentication without a network state is carried out based on the vein information pre-stored in the block chain, and the authentication result is stored in the block chain. When a user carries out payment transaction, the bracelet equipment is directly displayed, and payment is carried out based on the identity verification result stored in the blockchain, so that the step of inputting a password or verifying a human face can be omitted. The method specifically comprises the following steps:
1) and strongly correlating the bracelet device with the user information, and storing the vein information of the user and the vein matching parameters collected by the bank in the past to the block chain link points corresponding to the bank server.
2) When a user wears the bracelet device, the vein information of the current user is collected and matched with the vein information stored in the blockchain, the matching result is stored in the blockchain, and then the 5G message informs the mobile phone number stored in the blockchain, especially when the two vein information are not matched.
3) When the user needs to pay, the user communicates with a counterparty through a communication module such as NFC or D2D. Then, final payment is carried out based on the vein matching result stored in the block chain, namely payment can be carried out if the vein matching result stored in the block chain shows matching; and if not, rejecting the match.
4) When the user needs to pay, the user can click a button of the bracelet, and when the vein matching result stored in the blockchain is matched, a payment two-dimensional code is generated, and payment is carried out on a transaction opponent.
5) When the user is in a no network state, payment may also be made on a vein basis. At this time, the vein matching result of the user needs to be downloaded to the bracelet in advance. And supporting the user to conduct a transaction based on the matching result. If the user takes off the bracelet device and wears the bracelet device again in the state without network, in order to reduce the transaction risk of the user to the minimum, the transaction of the user should be refused at the moment.
6) When the bracelet of the user does not have a network, another identity authentication mode can be adopted, so that the user can still pay when wearing the bracelet again. The method is to submit the vein of the user to be downloaded to a bracelet of the user, and then to carry out identity verification on the user based on the vein parameters in the network-free state. The vein parameter without network state is determined as follows:
predicting the transaction risk probability p of the user based on the existing model, and downloading the transaction risk probability p to a bracelet of the user.
Estimating a first transaction risk coefficient of the non-network payment transaction and a second transaction risk coefficient of the network payment transaction based on the transaction data of the non-network transaction and the network transaction in the past period of the bank. For example, in a network-free scenario, the ratio of the sum of the risk data related to vein identification in the risk transaction and the sum of the data related to vein identification in the total transaction is used as a transaction risk coefficient. The ratio of the number of risk transactions to the number of total transaction data can also be directly used as a transaction risk coefficient. The transaction risk coefficient calculation methods of network transactions are consistent.
Setting the vein identification parameter threshold of the non-network payment transaction as follows according to the transaction risk coefficient:
L2＝MAXL-(MAXL-L1)×f(p,min(1,r1/r2))；
wherein L is2A vein identification parameter threshold representing a no-network payment transaction; MAXL represents the maximum value of the vein recognition parameter threshold; l is1A vein identification parameter threshold indicative of a network paid transaction; f represents a monotonically decreasing function, and f (1) ═ 1; r is1A first transaction risk factor representing a no-network payment transaction; r is2A second transaction risk factor indicative of a network payment transaction; min represents the minimum function. r is1And r2Is estimated based on data from a set of users in the same range for the same time period. The above formula can ensure that the vein identification parameter threshold value is directly related to the transaction risk, and the larger the transaction risk coefficient is, the larger the vein identification parameter threshold value is.
In one embodiment, a monotonically decreasing function is employed as follows:
f(p,x)＝x×p；
wherein p represents a transaction risk probability; x represents an independent variable.
And fourthly, in the calculation of the step, the new threshold value can be estimated by utilizing the error rejection rate and the error acceptance rate. For example, the false rejection rate is used for measurement, and the false rejection rate for calculating vein identification without network transaction is set as:
T2＝T1/f(min(1,r1/r2))；
wherein, T2A false rejection rate representing a no-network-payment transaction; t is1Indicating a false rejection rate for the network paid transaction; f represents a monotonically decreasing function, and f (1) ═ 1; r is1A first transaction risk factor representing a no-network payment transaction; r is2A second transaction risk factor indicative of a network payment transaction; min represents the minimum function;
the calculation of the false acceptance rate is similar, except that the above formula needs to be changed to:
T2'＝T1'×f(min(1,r1/r2))；
T2' represents the false acceptance rate for non-network payment transactions; t is1' indicates the false acceptance rate of the online payment transaction. The above formula can ensure that the vein identification parameter threshold and the transaction risk are directly related, and the larger the transaction risk coefficient is, the larger the vein identification parameter threshold corresponding to the false rejection rate and the false acceptance rate is.
Based on the same inventive concept, a computer device is further provided in the embodiments of the present invention to provide a convenient, efficient, and secure payment method, fig. 9 is a schematic diagram of a computer device provided in the embodiments of the present invention, as shown in fig. 9, the computer device 90 includes a memory 901, a processor 902, and a computer program stored on the memory 901 and capable of running on the processor 902, and when the processor 902 executes the computer program, the block chain based vein payment method is implemented.
Based on the same inventive concept, the embodiment of the present invention further provides a computer-readable storage medium for providing a convenient, efficient and safe payment method, where the computer-readable storage medium stores a computer program for executing the above block chain based vein payment method.
In summary, according to the vein payment method and apparatus based on a block chain and the bracelet device provided in the embodiments of the present invention, the block chain is deployed on the bracelet device, after the bracelet device collects first vein information of a target user currently wearing the bracelet device, the collected first vein information is recorded on the block chain, the first vein information is matched with second vein information of the target user, which is stored in the block chain in advance, a vein matching result is generated and recorded on the block chain, and the bracelet device determines whether to execute a payment transaction initiated by the target user through the bracelet device according to the vein matching result recorded on the block chain. The embodiment of the invention can provide a convenient, efficient and safe payment method.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (15)
1. A block chain based vein payment method is characterized by comprising the following steps:
acquiring first vein information of a target user through bracelet equipment, wherein the target user is a user who wears the bracelet equipment currently;
recording the collected first vein information on a block chain locally deployed by the bracelet equipment;
matching the first vein information with second vein information of a target user pre-stored on a block chain to generate a vein matching result;
and determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to the vein matching result.
2. The method of claim 1, wherein determining whether to perform a payment transaction initiated by the target user through the bracelet device according to the vein matching result comprises:
if the vein matching result is that the matching is successful, allowing the target user to execute the payment transaction initiated by the bracelet equipment;
and if the vein matching result is that the matching fails, refusing to execute the payment transaction initiated by the target user through the bracelet equipment.
3. The method of claim 1, wherein the method further comprises:
monitoring the network state of the bracelet equipment;
recording the vein matching result on a block chain locally deployed by the bracelet equipment when the situation that the bracelet equipment is in a network state is monitored;
and when the situation that the bracelet equipment is in a network-free state is monitored, whether the payment transaction initiated by the target user through the bracelet equipment is executed or not is determined directly according to a vein matching result stored on a block chain locally deployed by the bracelet equipment.
4. The method of claim 3, wherein the method further comprises:
monitoring the wearing state of the bracelet equipment in a network-free state;
and when the wearing state of the bracelet equipment in the network-free state changes, refusing to execute the payment transaction initiated when the bracelet equipment is in the network-free state.
5. The method of claim 3, wherein when the bracelet device is in a no network state, the method further comprises:
determining a vein parameter threshold value of the target user when the bracelet equipment is in a network-free state;
and according to the vein parameter threshold value of the target user when the bracelet equipment is in a network-free state, performing vein information verification on the target user, and determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to a verification result.
6. The method of claim 5, wherein determining the vein parameter threshold for the target user when the bracelet device is in a no network state comprises:
collecting historical transaction data of a plurality of users, wherein the historical transaction data of each client comprises: first historical transaction data of each user when the bracelet device is in a network state and second historical transaction data of each user when the bracelet device is in a network-free state;
determining a first transaction risk coefficient of the target user when the bracelet equipment is in a network state according to the first historical transaction data of the plurality of users; determining a second transaction risk coefficient of the target user when the bracelet equipment is in a network-free state according to second historical transaction data of the plurality of users;
and determining a vein parameter threshold value of the target user when the bracelet equipment is in a network-free state according to the first transaction risk coefficient and the second transaction risk coefficient of the target user by using an intelligent contract configured in advance on the blockchain network.
7. A blockchain-based vein payment device, comprising:
the vein information acquisition module is used for acquiring first vein information of a target user through bracelet equipment, wherein the target user is a user who wears the bracelet equipment currently;
the block chain data recording module is used for recording the acquired first vein information to a block chain locally deployed by the bracelet equipment;
the vein matching module is used for matching the first vein information with second vein information of a target user pre-stored on the block chain to generate a vein matching result;
and the payment transaction module is used for determining whether to execute the payment transaction initiated by the target user through the bracelet equipment according to the vein matching result.
8. The apparatus of claim 7, wherein the payment transaction module is further to:
if the vein matching result is that the matching is successful, allowing the target user to execute the payment transaction initiated by the bracelet equipment;
and if the vein matching result is that the matching fails, refusing to execute the payment transaction initiated by the target user through the bracelet equipment.
9. The apparatus of claim 7, wherein the apparatus further comprises:
the network state monitoring module is used for monitoring the network state of the bracelet equipment;
the block chain data recording module is further used for recording the vein matching result on a block chain locally deployed by the bracelet device when the situation that the bracelet device is in a network state is monitored; the payment transaction module is further used for determining whether to execute the payment transaction initiated by the target user through the bracelet device according to a vein matching result stored on a locally deployed block chain of the bracelet device directly under the condition that the bracelet device is monitored to be in a network-free state.
10. The apparatus of claim 9, wherein the apparatus further comprises:
the device wearing state monitoring module is used for monitoring the wearing state of the bracelet device in a network-free state;
the payment transaction module is further used for refusing to execute payment transaction initiated when the bracelet equipment is in the network-free state under the condition that the wearing state of the bracelet equipment is changed when the bracelet equipment is in the network-free state.
11. The apparatus of claim 8, wherein the apparatus further comprises:
the vein parameter threshold value determining module is used for determining a vein parameter threshold value of the target user when the bracelet equipment is in a network-free state;
the payment transaction module is further used for carrying out vein information verification on the target user according to a vein parameter threshold value of the target user when the bracelet device is in a network-free state, and determining whether to execute the payment transaction initiated by the target user through the bracelet device according to a verification result.
12. The apparatus of claim 11, wherein the vein parameter threshold determination module is further to:
collecting historical transaction data of a plurality of users, wherein the historical transaction data of each client comprises: first historical transaction data of each user when the bracelet device is in a network state and second historical transaction data of each user when the bracelet device is in a network-free state;
determining a first transaction risk coefficient of the target user when the bracelet equipment is in a network state according to the first historical transaction data of the plurality of users; determining a second transaction risk coefficient of the target user when the bracelet equipment is in a network-free state according to second historical transaction data of the plurality of users;
and determining a vein parameter threshold value of the target user when the bracelet equipment is in a network-free state according to the first transaction risk coefficient and the second transaction risk coefficient of the target user by using an intelligent contract configured in advance on the blockchain network.
13. A bracelet device, comprising: the system comprises a vein information acquisition unit, a block chain unit and a payment unit;
the vein information acquisition unit is used for acquiring first vein information of a target user, wherein the target user is a user who wears the bracelet equipment at present;
the block chain unit is used for recording the acquired first vein information on a block chain locally deployed by the bracelet equipment;
the payment unit is used for matching the first vein information with second vein information of a target user pre-stored in a block chain, generating a vein matching result, and determining whether to execute a payment transaction initiated by the target user through the bracelet device according to the vein matching result.
14. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements the blockchain based vein payment method of any one of claims 1 to 6.
15. A computer-readable storage medium storing a computer program for executing the blockchain-based vein payment method according to any one of claims 1 to 6.
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|---|---|---|---|
| CN202110918970.XA CN113627946A (en) | 2021-08-11 | 2021-08-11 | Block chain based vein payment method and device and bracelet equipment |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202110918970.XA CN113627946A (en) | 2021-08-11 | 2021-08-11 | Block chain based vein payment method and device and bracelet equipment |
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