CN110516967B

CN110516967B - Information evaluation method and related device

Info

Publication number: CN110516967B
Application number: CN201910803028.1A
Authority: CN
Inventors: 王杨; 刘艳
Original assignee: Tencent Technology Shenzhen Co Ltd
Current assignee: Tencent Technology Shenzhen Co Ltd
Priority date: 2019-08-28
Filing date: 2019-08-28
Publication date: 2024-05-10
Anticipated expiration: 2039-08-28
Also published as: CN110516967A

Abstract

The embodiment of the application provides an information evaluation method and a related device, wherein an information change request is obtained when information is changed, if the information change request meets the condition, the changed evaluation index information is recorded to a blockchain for synchronous storage, then a blockchain node can obtain the evaluation index information through the blockchain, and the risk evaluation information of a target object is determined according to the evaluation index information, so that risk evaluation is realized. According to the embodiment of the application, the evaluation index information is recorded in the blockchain for synchronous storage, different databases are shared on the blockchain, the security of the evaluation index information is good, the reliability is high, and the technical problem that the current client information evaluation result is inaccurate is solved.

Description

Information evaluation method and related device

Technical Field

The application relates to the technical field of Internet, in particular to an information evaluation method and a related device.

Background

With the development of modern society, third party payments (THIRD PARTY PAYMENT) are widely used in consumer consumption. The third party payment mechanism is used for establishing connection between the merchant and the bank through communication, computer and information security technology, so that money payment, cash circulation, funds clearing and inquiry statistics among consumers, financial institutions and merchants are realized.

Third party payment authorities typically require risk ratings from customers in order to exercise tighter regulations on customers with higher risk ratings. The risk rating refers to risk assessment and risk grading standards and flows established by a payment mechanism according to specific information such as the fact characteristics of clients, transaction conditions and the like. Therefore, the third party payment mechanism needs to collect information data such as the fact features of the customer, the transaction situation, etc.

At present, the evaluation index information related to the customer risk rating of the third-party payment mechanism is more scattered, the number of operators is more than that of operators, the operators need to access different databases to collect information, the cost is higher, the data is also at risk of being tampered, the data security is poor, the reliability is low, and the result of evaluating the customer information is inaccurate.

Disclosure of Invention

The embodiment of the application provides an information evaluation method and a related device, which are used for solving the technical problem that the current client information evaluation result is inaccurate.

In a first aspect, an embodiment of the present application provides a method for information evaluation, including:

Acquiring first evaluation index information corresponding to a target object;

When the first evaluation index information changes, an information change request is obtained, wherein the information change request carries the identification of the target object;

if the information change request meets the information change condition, acquiring second evaluation index information corresponding to the target object according to the information change request;

And recording the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information.

In a second aspect, an embodiment of the present application provides an apparatus for information evaluation, including:

the acquisition unit is used for acquiring first evaluation index information corresponding to the target object;

The acquisition unit is further used for acquiring an information change request when the first evaluation index information changes, wherein the information change request carries the identification of the target object;

The processing unit is used for acquiring second evaluation index information corresponding to the target object according to the information change request if the information change request meets the information change condition;

The processing unit is further configured to record the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information.

In one possible design, in one implementation manner of the second aspect of the embodiment of the present application, the blockchain node is further configured to:

Determining a static risk dimension rank score according to static evaluation index information in the second evaluation index information and the set static weight;

Determining a dynamic risk dimension rank score according to the dynamic evaluation index information in the second evaluation index information and the set dynamic weight;

And determining the risk grade score of the target object according to the static risk dimension grade score, the dynamic risk dimension grade score and the set dimension weight.

In one possible design, in an implementation manner of the second aspect of the embodiment of the present application, the processing unit is further configured to:

Determining the risk rating of the target object according to the numerical range of the risk rating of the target object;

and recording the risk rating of the target object to a blockchain for synchronous storage.

recording the first evaluation index information corresponding to the target object to the blockchain for synchronous storage;

the acquisition unit is specifically configured to: and acquiring the first evaluation index information corresponding to the target object through the blockchain.

In a possible design, in an implementation manner of the second aspect of the embodiment of the present application, if the risk level score is greater than a set threshold value, the processing unit performs a set first risk control measure on the target object;

And if the risk level score is smaller than or equal to a set threshold value, the processing unit executes a set second risk control measure on the target object.

In one possible design, in an implementation manner of the second aspect of the embodiment of the present application, the static evaluation index information in the second evaluation index information includes one or more of a certificate type, a certificate information, an age, a job type, and a location domain.

In one possible design, in one implementation of the second aspect of the embodiments of the present application,

The dynamic evaluation index information in the second evaluation index information comprises one or more of transaction amount, transaction content, transaction mode, transaction frequency and transaction internet protocol address.

In a third aspect, an embodiment of the present application provides a node device, which is a block link point device, and may be a server or a terminal device, including: memory, transceiver, processor, and bus system;

wherein the memory is used for storing programs;

The processor is used for executing the program in the memory, and comprises the following steps:

Acquiring first evaluation index information corresponding to a target object;

recording the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information;

the bus system is used for connecting the memory and the processor so as to enable the memory and the processor to communicate.

The processor is configured to execute the program in the memory, and further includes the following steps:

The first evaluation index information corresponding to the acquisition target object specifically includes: and acquiring the first evaluation index information corresponding to the target object through the blockchain.

if the risk level score is greater than a set threshold, executing a set first risk control measure on the target object;

and if the risk level score is smaller than or equal to a set threshold value, executing a set second risk control measure on the target object.

Wherein the static evaluation index information in the second evaluation index information comprises one or more of certificate type, certificate information, age, work type and location area; the dynamic evaluation index information in the second evaluation index information comprises one or more of transaction amount, transaction content, transaction mode, transaction frequency and transaction internet protocol address.

In a fourth aspect, embodiments of the present application provide a computer readable storage medium having instructions stored therein, which when run on a computer, cause the computer to perform the method of the first aspect described above.

In a fifth aspect, embodiments of the present application provide a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of the first aspect described above.

From the above technical solutions, the embodiment of the present application has the following advantages:

Drawings

FIG. 1 is a schematic diagram of a risk rating department acquiring evaluation index information from various databases according to an embodiment of the present application;

FIG. 2 is a schematic diagram of information evaluation according to an embodiment of the present application;

FIG. 3 is a block chain diagram of an embodiment of the present application;

FIG. 4 is a flowchart of a method for evaluating information according to an embodiment of the present application;

FIG. 5 is an interface diagram of a user transferring money to a merchant using a third party payment account at a user terminal;

FIG. 6 is an interface diagram of a user recharging or presenting a third party payment account in an embodiment of the present application;

FIG. 7 is a schematic diagram of an interface for user replacement work types in an embodiment of the present application;

FIG. 8 is an interface diagram of a user entering a mobile phone verification code according to an embodiment of the present application;

FIG. 9 is an interface diagram showing risk ratings in an embodiment of the present application;

FIG. 10 is a flowchart of an application example of a method for information evaluation in an embodiment of the present application;

FIG. 11 is a schematic diagram of a method of information evaluation in the present application example;

FIG. 12 is a schematic diagram of an apparatus for information evaluation according to an embodiment of the present application;

fig. 13 is a block diagram of a part of a structure of a mobile phone related to a terminal provided in an embodiment of the present application;

Fig. 14 is a schematic diagram of a server structure according to an embodiment of the present application.

Detailed Description

The terms "first," "second," "third," "fourth" and the like in the description and in the claims and in the above drawings, if any, are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in sequences other than those illustrated or otherwise described herein. Furthermore, the terms "comprises," "comprising," and "includes" and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed or inherent to such process, method, article, or apparatus.

It should be appreciated that with the development of modern society, third party payments (THIRD PARTY PAYMENT) are widely used in consumer consumption. The user or merchant may register an account with the third party payment mechanism and then conduct the transaction through the account. Such a third party payment transaction may be an online shopping transaction, for example, where user 1 purchases item 1 from merchant 1 on an e-commerce website, and needs to pay 10 points to the merchant, user 1 may transfer 10 points to the third party payment account of merchant 1 through his third party payment account. Such a third party payment transaction may also be a real-world transaction, e.g., a user 1 consumes in store to merchant 2, purchases an item 2 of value 20, and user 1 may transfer 20 to the third party payment account of merchant 2 through its third party payment account. In addition to the user's transaction with the merchant, the user may transfer money in his bank account to the third party payment account, e.g., 100 elements in the user 1's bank account, and user 1 may transfer 100 elements in the bank account to the third party payment account via the bank transfer. In practical applications, other transaction methods are also possible, and are not limited herein.

The user quantity of the third party payment is large, illegal transaction actions by using the third party payment are inevitably generated, so that risk rating is needed to be conducted on the third party payment account, strict prevention and control are conducted on the third party payment account with higher risk, and when the illegal transaction actions are generated on the third party payment account, the illegal transaction actions are timely discovered and prevented. And performing risk assessment on the third-party payment account, and firstly collecting information of the third-party payment account. Currently, the risk rating department needs to acquire evaluation index information from each database through a terminal device or a server, wherein the evaluation index information refers to parameters related to a third party account and used for evaluating the risk level of the third party payment account, such as account opening time of the third party account, certificate information of a corresponding client, age of the client and the like, or transaction amount, transaction content, transaction mode and the like generated when the third party payment account performs a third party payment transaction. The evaluation index information may be selected by a worker, and is not limited in this particular case.

Fig. 1 is a schematic diagram of a risk rating department acquiring evaluation index information from each database according to an embodiment of the present application. It can be seen that, at present, the risk rating department needs to obtain the evaluation index information from each database through the terminal device or the server, that is, the risk rating department needs to obtain the information of the bank account associated with the third party payment account from the server of the bank, the risk rating department needs to obtain the associated information of the third party payment account from the terminal device of the user, for example, the terminal device model associated with the third party payment account, the mobile phone Application (APP) version used by the third party payment account, the risk rating department needs to obtain the account information of the third party payment account from the server of the third party payment mechanism, and the risk rating department needs to obtain the transaction information such as the terminal device model used when the third party payment account is transacted with the merchant account from the terminal device of the merchant. The related index information of the customer risk rating of the current third-party payment mechanism penetrates through the front, middle and back stages of the whole payment, and comprises various links of client network access, transaction, logout and the like, all the links relate to the change of the evaluation index information of the risk rating, and a risk rating department needs to access different databases to solve the data sources of the risk rating.

According to the analysis, the customer evaluation index information of the third-party payment mechanism is scattered, the number of operators of the risk rating department is large, the operators need to access different databases to collect information, the cost is high, and for a centralized recording mode, centralized system risks exist, such as weak risk resistance, data are also tampered, the safety of the data is poor, the reliability is low, the result of customer risk rating can be maliciously modified, the effectiveness of prevention and control resource allocation cannot be guaranteed, and the risk of the third-party payment mechanism is increased.

In view of the above problems, embodiments of the present application provide a method for evaluating information and a related device, which are used for solving the technical problem that the result of the current customer information evaluation is inaccurate. FIG. 2 is a diagram of a structure for information evaluation in an embodiment of the present application. In the embodiment of the application, the user terminal, the merchant terminal, the bank server and the institution server are all connected with each other to form a blockchain network. As shown in fig. 2, the user terminal used by the user may be a mobile phone, a computer, a tablet, a bracelet, etc., and the merchant terminal used by the merchant may be a mobile phone, a computer, a POS machine, an account collection terminal, etc., and in practical application, the merchant terminal may also be other terminal devices for realizing transactions, which is not limited herein. In addition, the user terminal and the merchant terminal are generally provided with clients for third party payment, such as computer software, mobile phone software, applet, etc., the banking server is provided with a banking system, and the institution server is provided with a third party payment system, which is not limited in detail herein. It will be appreciated that the user terminal, merchant terminal and server perform the relevant steps by means of installed software or systems, implementing the corresponding functions.

The user terminal, merchant terminal and server are all connected in a blockchain network, and the blockchain (blockchain) is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. With the development of blockchain technology, blockchain technology is widely used in various fields, such as financial fields, information security, computing resource sharing, entertainment games, social, supply chain management, medical fields, etc. The blockchain used in embodiments of the present application will be described in detail below in conjunction with fig. 3.

Fig. 3 is a schematic diagram of a blockchain in an embodiment of the present application, where a user terminal, a merchant terminal, and a server in the embodiment of the present application are node devices in the blockchain, and each node device maintains a blockchain ledger together, as shown in fig. 3, and the distributed ledger (distributed ledger) is a database that is shared, replicated, and synchronized among network members. A distributed ledger records transactions between network participants, such as exchanges of assets or data, and such a shared ledger reduces the time and expense incurred by reconciling different ledgers. Network members involved in the present application include, but are not limited to, producers, consumers, suppliers, partners, market makers, thrusters, and other program owners, and the assets traded may be physical assets (such as cars, houses, or strawberries) as well as virtual assets (such as contracts, patents, and securities) as intangible. Ownership and transfer of assets creates value in the business network, a process known as transactions.

A distributed ledger is a database that is held and updated independently by each participant in a large network. The distribution is unique in that records are not communicated to the individual node devices by the central authority, but are independently constructed and maintained by each node device. That is, each node device on the network processes each transaction to reach its own conclusions, and then votes on the conclusions to determine that most node devices agree to the conclusions. Once consensus is reached, the distributed blockchain ledger has been updated and all node devices maintain the same copy of their ledgers. That is, as shown in fig. 3, node device 1 shares the local ledger of node device 1 with other node devices (e.g., node device 2, node device 3, node device 4, node device 5, and node device 6), node device 2 shares the local ledger of node device 2 with other node devices (e.g., node device 1, node device 3, node device 4, node device 5, and node device 6), node device 3 shares the local ledger of node device 3 with other node devices (e.g., node device 1, node device 2, node device 4, node device 5, and node device 6), node device 4 shares the local ledger of node device 4 with other node devices (e.g., node device 1, node device 2, node device 5, and node device 6), node device 5 shares the local ledger of node device 5 with other node devices (e.g., node device 1, node device 2, node device 3, node device 4, and node device 6), and node device 6 shares the local ledger of node device 6 with other node devices (e.g., node device 1, node device 2, node device 3, node device 4, and node device 6). To this end, node device 1, node device 2, node device 3, node device 4, node device 5, and node device 6 all maintain the same blockchain ledger that includes data recorded by all node devices.

The embodiment of the application provides an information evaluation method, which adopts a blockchain technology, utilizes the decentralization and cryptography technology of the blockchain technology, ensures that the evaluation index information of a client cannot be tampered and forged, ensures the safety and reliability of risk rating index data, can effectively assist staff in judging the risk condition of the client, and accordingly, can effectively allocate prevention and control resources in a targeted way and effectively cope with illegal violations.

Fig. 4 is a flowchart of a method for information evaluation according to an embodiment of the present application, where the method for information evaluation is applied to node devices like the user terminal, the merchant terminal and the server in fig. 2, and includes:

401. acquiring first evaluation index information corresponding to a target object;

In the embodiment of the application, the node device first acquires first evaluation index information corresponding to the target object, wherein the evaluation index information comprises first evaluation index information, second evaluation index information and the like, and the evaluation index information has an association relationship with the target object, as shown in table 1, and table 1 is an association relationship table of the evaluation index information and the target object in the embodiment of the application. It can be seen that, the target object includes a target object 1, a target object 2, and a target object 3, and the evaluation index information corresponding to the target object includes the age, the work type, the nationality, the transaction amount, the transaction frequency, and the like of the corresponding client, and in practical application, other indexes may be used, which are not limited herein.

It should be understood that the target object may be a third party payment account, a bank account, etc., and in practical application, other accounts may also be used, and in particular, the target object is not limited thereto, and for convenience of description, the embodiment of the present application is described with reference to the target object being a third party payment account, but should not be construed as limiting the target object, and other embodiments of the target object may refer to embodiments of the present application.

It may be appreciated that the first evaluation index information and the second evaluation index information are both evaluation index information, the evaluation index information includes static evaluation index information and dynamic evaluation index information, the static evaluation index information includes one or more of a certificate type, a certificate information, an age, a work type and a location area, and the dynamic evaluation index information includes one or more of a transaction amount, a transaction content, a transaction manner, a transaction frequency and a transaction internet protocol address.

TABLE 1

Target object	Evaluating index information
		Target object 1	Corresponding to the age, work type, nationality, transaction amount and transaction frequency … … of the customer
Target object 2	Corresponding to the age, work type, nationality, transaction amount and transaction frequency … … of the customer
		Target object 3	Corresponding to the age, work type, nationality, transaction amount and transaction frequency … … of the customer

In a possible embodiment, the node device is a user terminal, the target object is a third party payment account of the user, and the user terminal may obtain information of transaction amount, transaction time, transaction object and the like of each transaction of the third party payment account from the historical transaction record, may obtain the transaction frequency of the third party payment account by statistics, and may also obtain information of age, work type, nationality and the like registered by the user.

In a possible embodiment, the node device is a merchant terminal, and the target object is a third party payment account of the merchant, so that the merchant terminal can obtain information of transaction amount, transaction time, transaction object and the like of each transaction of the third party payment account from the historical transaction record, can obtain the transaction frequency of the third party payment account through statistics, and can also obtain information of age, work type, nationality and the like of a responsible person of the enterprise registered by the merchant.

In a possible embodiment, the node device is a bank server, the target object is a bank account of the user or the merchant, and the bank server can obtain information such as transaction amount, transaction time, transaction object and the like of each transaction of the bank account from the historical transaction record, can count and obtain the transaction frequency of the bank account, and can also obtain information such as age, work type, nationality and the like registered by the user or the merchant.

In a possible embodiment, the node device is an institution server, and the target object is a third party payment account of the user or the merchant, so that the institution server can obtain information of transaction amount, transaction time, transaction object and the like of each transaction of the third party payment account from the historical transaction record, can count and obtain transaction frequency of the third party payment account, and can also obtain information of age, work type, nationality and the like registered by the user or the merchant.

In practical applications, the target object may also be other accounts, such as a social account, etc., and the embodiment of the present application is described with respect to a third party payment account and a bank account, but should not be considered as a limitation of the target object. The embodiment of the application does not specifically limit the target object.

402. When the first evaluation index information changes, an information change request is obtained, wherein the information change request carries the identification of the target object;

In the embodiment of the present application, when the first evaluation index information changes, the node device may acquire an information change request according to the change condition of the first evaluation index information, where the information change request includes the identifier of the target object and the change condition of the first evaluation index information, and the change condition of the first evaluation index information may be that transaction information is newly added or account information is changed, and the change condition of the first evaluation index information may include the newly added transaction information and changed account information, and in practical application, may also be other conditions, and specifically, the present application is not limited herein.

In one possible embodiment, the node device is a user terminal, the target object is a third party payment account of the user, and when the user uses the third party payment account to conduct a transaction, the first evaluation index information changes, so that transaction information such as transaction amount, transaction content and the like can be generated. Fig. 5 is an interface diagram of a user transferring money to a merchant using a third party payment account on a user terminal. As shown in fig. 5, when the user transfers a transaction to a merchant using a third party payment account, transaction information such as transaction time, transaction amount, transaction content, third party payment account used by the user, merchant account (third party payment account of merchant or bank account of merchant) and the like of the transaction is generated.

In fig. 5, if the user transacts with the merchant on the e-commerce platform, the user terminal may obtain the merchant account from the e-commerce platform, may obtain the commodity information from the e-commerce platform to determine the transaction content, may determine the transaction amount from the commodity price on the e-commerce platform, may read the third party payment account associated with the current client, and after the user inputs the payment password, clicks the "determine" virtual button, the user terminal generates an information change request, where the information change request includes the third party payment account and the transaction information.

In fig. 5, if the user makes a transaction with a merchant in a merchant store, for example, pays money after eating in the merchant store, the user terminal may obtain a merchant account by scanning a two-dimensional code of the merchant or the user may directly fill the merchant account, the user may fill the transaction content or automatically determine the transaction content according to the merchant account, for example, the merchant account is XX restaurant, the transaction content may be a food charge, the user terminal may further read a third party payment account associated with the current client, the user inputs a payment password and then clicks a "confirm" virtual button, and the user terminal generates an information change request, where the information change request includes the third party payment account and the transaction information.

In one possible embodiment, the user or merchant uses a bank account to recharge its third party payment account, and the user terminal or merchant terminal generates transaction information such as recharge time, recharge amount, third party payment account for recharging the user, bank account for recharging, etc. FIG. 6 is an interface diagram of a user recharging or presenting a third party payment account in an embodiment of the present application. It can be seen that the account balance is XXXXXX in the third party payment account of the user, the user can click a 'recharge' virtual button to recharge, the user terminal can read the associated bank account, and an information change request is generated after waiting for the user to input the recharge amount and the payment password, wherein the information change request comprises the third party payment account of the user, the bank account and transaction information (recharge amount and the like).

In one possible embodiment, the user or merchant may present money in its third party payment account to the bank account, and the user terminal or merchant terminal generates transaction information such as the time of presentation, the amount of presentation, the third party payment account presented, the bank account presented, and the like. As shown in fig. 6, when the user clicks the "present" virtual button to present the XXXX element in the third party payment account to the bank card, the user terminal may acquire the bank account associated with the third party payment account, acquire the information such as the present amount and the payment password input by the user, and then generate an information change request, where the information change request includes the third party payment account, the bank account, and the transaction information used for the user to present.

In a possible embodiment, the user may modify the customer information associated with the third party payment account, for example, the associated user work type, when the user changes the work, the changed work type may be input on the interface of the user terminal, as shown in fig. 7, fig. 7 is a schematic diagram of the interface of the user changing the work type in the embodiment of the present application, it may be seen that, when the user changes the work type, the current work type of the user is XXX, a new work type may be input in the user terminal, and then click the "ok" virtual button, so that the user terminal may obtain the new work type input by the user and read the third party payment account of the user, and generate an information change request, where the information change request includes information such as the third party payment account of the user, the new work type, and the like.

In a possible embodiment, when the bank modifies the information of the user or the merchant to change the first evaluation index information, for example, when the bank increases the age of the user or the merchant by 1 in the 12 th month and 31 th day of a certain year, the bank server obtains an information change request, and the information change request may include information of a bank account of the user or the merchant, updated age and the like.

403. If the information change request meets the information change condition, acquiring second evaluation index information corresponding to the target object according to the information change request;

In the embodiment of the application, when the node device determines that the information change request meets the information change condition, the second evaluation index information corresponding to the target object can be acquired according to the information change request. It will be appreciated that the information change condition is a condition preset by a worker, and the worker may set different rules and conditions according to actual situations, which is not limited herein.

In one possible embodiment, the information change request includes a third party payment account of the user and a payment password input by the user, and if so, the node device may verify whether the third party payment account and the payment password in the information change request are correct, and if so, may obtain second evaluation index information corresponding to the target object according to the information change request, for example, the user terminal directly verifies whether the account password is correct locally, and then the user terminal obtains the second evaluation index information and records the second evaluation index information to the blockchain for synchronous storage, or, for example, the user terminal sends the information change request to an organization server, the organization server verifies whether the third party payment account and the payment password in the information change request are correct, if so, the organization server obtains the second evaluation index information and records the third party payment account and the payment password in the information change request to the blockchain for synchronous storage, or, for example, the user terminal verifies whether the third party payment account and the payment password in the information change request are correct, and if so, the organization server returns the verification result to the user terminal for synchronous storage according to the verification result, and the user terminal obtains the third party payment account and the third party payment password in the information change request for synchronous storage.

In one possible embodiment, when the user performs a transaction with the merchant through the user terminal and the merchant terminal, the institution server obtains a first information change request sent by the user terminal and a second information change request sent by the merchant terminal, and if the third party payment accounts of the user in the first information change request and the second information change request are the same, and the third party payment accounts of the merchant in the first information change request and the second information change request are the same, it is indicated that the user terminal and the merchant terminal of the transaction achieve the agreed transaction information, and the institution server may obtain the second evaluation index information from the first information change request or the second information change request and record the second evaluation index information in the blockchain for synchronous storage.

In one possible embodiment, when the user changes the work type, the user may click on the "get mobile phone verification code" virtual button, and then the user terminal will send the mobile phone number associated with the third party payment account of the user to the mobile phone verification code system, and then the mobile phone verification code system automatically generates a mobile phone verification code and sends a verification code short message to the mobile phone number, where the verification code short message includes the mobile phone verification code, and the mobile phone verification code system will also send the same mobile phone verification code to the user terminal. Fig. 8 is an interface diagram of a mobile phone verification code input by a user according to an embodiment of the present application, where it is seen that, when the user inputs a mobile phone verification code received by a mobile phone number and inputs a changed work type, the user terminal generates an information change request, where the information change request includes the mobile phone verification code input by the user and the changed work type, and the user terminal can compare the mobile phone verification code input by the user in the information change request with the mobile phone verification code issued by the mobile phone verification code system, and if the mobile phone verification code input by the user in the information change request is consistent with the mobile phone verification code issued by the mobile phone verification code system, the user terminal obtains second evaluation index information from the information change request and records the second evaluation index information to a blockchain for synchronous storage.

In the embodiment of the present application, the second evaluation index information may be first evaluation index information after being changed, for example, the user's work type is changed from a to B, and then the user's work type B is the second evaluation index information, or may be evaluation index information after adding transaction information, for example, the user and the merchant generate a transaction, where the transaction information is added, and the first evaluation index information after adding the transaction information is the second evaluation index information.

In a possible embodiment, the first evaluation index information includes a third party payment account of the user, the associated work type is work type a, the work type associated with the third party payment account is changed from work type a to work type B by the user when the user generates the information change request through the user terminal, the user terminal may acquire the second evaluation index information according to the information change request, the second evaluation index information includes the third party payment account of the user, and the associated work type is work type B, and then the user terminal records the second evaluation index information to the blockchain for synchronous storage.

In one possible embodiment, the first evaluation index information includes a third party payment account number of the user, an associated historical transaction record, the user transacts with the merchant through the user terminal, generates transaction information and sends an information change request carrying the transaction information to the institution server, and the institution server obtains second evaluation index information according to the information change request, wherein the second evaluation index information includes the third party payment account number, the associated historical transaction record and the newly added transaction information. Then, the mechanism server records the second evaluation index information to the blockchain for synchronous storage.

404. And recording the second evaluation index information to the blockchain for synchronous storage, so that the blockchain node acquires the second evaluation index information through the blockchain, and the blockchain node determines the risk evaluation information of the target object according to the second evaluation index information.

In the embodiment of the application, the node equipment records the second evaluation index information to the blockchain for synchronous storage, wherein the second evaluation index information can be information such as customer age, work type, nationality, transaction amount, transaction frequency and the like corresponding to the third party payment account, the information such as customer age, work type and the like can be the evaluation index information synchronously recorded to the blockchain by the institution server, the transaction amount can be a certain transaction amount which is transferred to the third party payment account by a user through a bank card, the evaluation index information synchronously recorded to the blockchain by the bank server, the transaction amount can also be the transaction amount which is transferred and consumed by the user to a merchant through the third party payment account, and the transaction amount can be the evaluation index information synchronously recorded to the blockchain by the user terminal and the merchant terminal. And, the transaction frequency may be a transaction frequency obtained by counting the number of transactions per day of the third party payment account by the user terminal, for example, 100 transactions per day, and the transaction frequency may be synchronously recorded to the blockchain by the user terminal.

In practical applications, the second evaluation index information may also be other information, such as information of a customer age, a work type, nationality, transaction amount, transaction frequency, etc. corresponding to a bank account, or information of age, work type, nationality, transaction amount, transaction frequency, etc. of other customers, which is not limited herein.

In the embodiment of the application, the blockchain node, namely node equipment, can be the same as the node equipment of the change information or different from the node equipment of the change information, and is mainly used for acquiring the evaluation index information from the blockchain and determining the risk evaluation information of the target object according to the evaluation index information.

Referring to fig. 2 and 3, the blockchain node may be a user terminal, a merchant terminal, a bank server, and an institution server, and in practical applications, may be other similar node devices. The blockchain node may obtain the evaluation index information from the blockchain, for example, the user terminal may obtain information such as the customer age, the work type, the nationality, the transaction amount, the transaction frequency, and the like corresponding to the third party payment account of the user from the blockchain ledger.

After the blockchain node acquires the evaluation index information, risk evaluation information of the target object can be determined according to the evaluation index information. For example, the higher the transaction frequency of the target object, the higher the risk of the target object is generally considered, and specifically, the risk assessment information of the target object may be determined according to the assessment index information by an algorithm, which is not specifically limited in the embodiment of the present application. The algorithm may refer to other embodiments of the present application.

Optionally, in an optional embodiment of the method for evaluating information corresponding to fig. 4 according to the embodiment of the present application, determining risk evaluation information of the target object according to the second evaluation index information includes:

In the embodiment of the application, after the blockchain node acquires the second evaluation index information, the risk evaluation information of the target object can be determined according to the second evaluation index information, wherein the second evaluation index information comprises static evaluation index information and dynamic evaluation index information.

In one possible embodiment, the static evaluation index information includes one or more of a credential type, credential information, age, job type, and location in the field. The static evaluation index information is generally associated with the target object, for example, associated with a third party payment account or associated with a bank account, and is one or more of a certificate type, a certificate information, an age, a work type and a location area registered for a client corresponding to the target object. These index information change less frequently and are therefore referred to as static evaluation index information. The clients corresponding to the target object may be natural people clients or non-natural people clients, so the static evaluation index information may include ages, work types, types of certificates held, nationalities, duration of the non-natural people clients, equity structures, registries, business residences, nationalities of actual beneficiaries or control persons, industries to which the business belongs, and the like of the natural people clients. In practical applications, the static evaluation index information may also include other information, which is not limited herein.

In one possible embodiment, the dynamic assessment indicator information includes one or more of transaction amount, transaction content, transaction style, transaction frequency, and transaction internet protocol address. The dynamic evaluation index information is generally associated with a target object, which may be a third party payment account, a bank account, etc., so the dynamic evaluation index information may be one or more of transaction amount, transaction content, transaction mode, transaction frequency, and transaction internet protocol address corresponding to the target object. These index information change more frequently and are therefore referred to as dynamic evaluation index information. The dynamic risk dimension index may include transaction amount, transaction frequency, transaction IP, transaction style, transaction content, risk cue information or authoritative media reporting information related to the customer, etc.

The blockchain node determines risk assessment information of the target object according to static assessment index information and dynamic assessment index information in the second assessment index information, firstly, the blockchain node determines a static risk dimension rank score according to static assessment index information and set static weights in the second assessment index information through a static score formula, and the static score formula is as follows:

A＝A₁×S₁+A₂×S₂+...+A_n×S_n；

Wherein A represents the rank score of the static risk dimension, n represents the number of the static evaluation index information in the static risk dimension, and S represents the static weight corresponding to each static evaluation index information in the set static risk dimension.

Then, the blockchain node determines a dynamic risk dimension rank score according to the dynamic evaluation index information in the second evaluation index information and the set dynamic weight through a dynamic score formula, wherein the dynamic score formula is as follows:

B＝B₁×W₁+B₂×W₂+...+B_m×W_m；

Wherein B represents the dynamic risk dimension rank score, m represents the number of dynamic evaluation index information in the dynamic risk dimension, and W represents the dynamic weight corresponding to each dynamic evaluation index information in the set dynamic risk dimension.

Finally, the blockchain node determines the risk grade score of the target object according to the static risk dimension grade score, the dynamic risk dimension grade score and the set dimension weight by a total score formula, wherein the total score formula is as follows:

R＝A×P₁+B×P₂；

Where R represents the final risk level score for the customer, P ₁ represents the set static risk indicator dimension weight, and P ₂ represents the set dynamic risk indicator dimension weight.

The above calculation method is only one implementation manner provided by the embodiment of the present application, and in practical application, the calculation may be performed by other algorithms, which is not specifically limited.

Optionally, in an optional embodiment of a method for evaluating information corresponding to fig. 4 according to the embodiment of the present application, after calculating a risk level score of a target object according to a static risk dimension score, a dynamic risk dimension score, and a set dimension weight, the method further includes:

and recording the risk rating of the target object to the blockchain for synchronous storage.

In the embodiment of the application, the blockchain node can determine the risk rating of the target object according to the calculated risk rating, the risk rating has an association relationship with the risk rating, table 2 is a table of association relationship between risk rating and risk rating in the embodiment of the application, it can be seen that when the risk rating is in the range of 0-20, the blockchain node can determine that the risk rating of the target object is low according to the association relationship between risk rating and risk rating, when the risk rating is in the range of 20-40, the blockchain node can determine that the risk rating of the target object is low according to the association relationship between risk rating and risk rating, and so on. In practical applications, the association relationship between the risk level score and the risk level score may be set according to practical situations, which is not specifically limited herein.

TABLE 2

Risk level scoring	Risk rating
		0-20	Low and low
20-40	Lower level
		40-60	In general
60-80	Higher height
		80-100	High height

After determining the risk rating of the target object, the blockchain node may record the risk rating of the target object to the blockchain for synchronous storage, and the specific implementation manner may refer to a method for recording the evaluation index information to the blockchain for synchronous storage in other embodiments of the present application, which is not described herein.

Any node device or blockchain node can obtain the risk rating of the target object from the blockchain and display the risk rating on a terminal interface, as shown in fig. 9, fig. 9 is an interface diagram showing the risk rating in the embodiment of the present application, and it can be seen that a worker can see the risk rating of the target object on the interface of the terminal, so that corresponding measures are performed according to the risk rating of the target object, for example, if the worker sees that the risk rating of the target object 1 is high, the worker can extract the information of the target object 1 to perform analysis and evaluation, and determine whether the target object 1 has illegal transaction behavior.

In one possible embodiment, for the target object with higher risk and the clients associated with the target object, the staff can further go through further deep checking to know the operation activities and property sources of the clients, properly improve the collection and update frequency of the information of the actual controllers and the actual beneficiaries of the clients, moderately improve the frequency and intensity of the transaction monitoring, and reasonably limit the transaction mode, the transaction scale, the transaction frequency and the like of the clients; for the target object with lower risk and the client associated with the target object, the staff can properly prolong the update period of knowledge of the client rule (KYC), properly reduce the frequency or intensity of KYC in a reasonable transaction scale, allow the use of more advanced payment authority, and the like.

Optionally, in an alternative embodiment of a method for evaluating information corresponding to fig. 4 according to the embodiment of the present application, before obtaining the first evaluation index information corresponding to the target object, the method further includes:

Recording first evaluation index information corresponding to the target object to a blockchain for synchronous storage;

The first evaluation index information corresponding to the target object is specifically obtained as follows: and acquiring first evaluation index information corresponding to the target object through the block chain.

In the embodiment of the application, the node equipment firstly records the first evaluation index information to the blockchain for synchronous storage, and when the node equipment or other node equipment needs to acquire the first evaluation index information, the first evaluation index information corresponding to the target object can be acquired through the blockchain.

In the embodiment of the present application, the manner in which the node device records the first evaluation index information to the blockchain for synchronous storage is similar to the manner in which the node device records the evaluation index information to the blockchain for synchronous storage in other embodiments of the present application, and is not described herein again.

Optionally, in an optional embodiment of a method for evaluating information corresponding to fig. 4 according to the embodiment of the present application, after determining risk evaluation information of the target object according to the second evaluation index information, the method further includes:

if the risk level score of the target object is larger than a set threshold value, executing a set first risk control measure on the target object;

and if the risk level score of the target object is smaller than or equal to the set threshold value, executing a set second risk control measure on the target object.

In the embodiment of the application, after the node equipment acquires the risk level score, whether the risk level score is larger than the set threshold value or not can be judged, and if yes, the set first risk control measure is executed on the associated target object. For example, if the risk level score of the target object 1 is 99 and the threshold value is set to 80, the risk level score of the target object 1 is greater than 80, and the node device may perform the set first risk control measure on the target object. For another example, if the risk level score of the target object 2 is 15, the risk level score of the target object 2 is less than 80, and the node device may perform the set second risk control measure on the target object.

In the embodiment of the present application, the first risk control measure and the second risk control measure may be preset, for example, in the first risk control measure, the frequency of the transaction monitoring of the target object by the institution server is once a day, in the second risk control measure, the frequency of the transaction monitoring of the target object by the institution server is once a month, for example, in the first risk control measure, the transaction limit of the target object by the institution server is 10000 yuan, and in the second risk control measure, the transaction limit of the target object by the institution server is 100000 yuan, and in practical application, other risk control measures may also be set, which are not specifically limited herein.

According to the above embodiment, the embodiment of the present application further provides an application example of the method for information evaluation, and fig. 10 is a flowchart of an application example of the method for information evaluation in the embodiment of the present application, where it can be seen that the application example flow includes:

1001. Receiving a change request when static evaluation index information or dynamic evaluation index information of the target object changes;

In this application example, when the institution server detects that the static evaluation index information or the dynamic evaluation index information of the target object changes, a change request sent by the user terminal or the merchant terminal is received, where the change request may include a change of the target object information or a change request of transaction information between the target objects, for example, the user modifies a mobile phone number associated with user information of the user payment account of the user, and then the institution server receives the change request of the target object information sent by the user terminal, for example, the user performs a transaction with the merchant to generate a new transaction record, and then the institution server receives the change request of the transaction information, where the request includes a newly generated transaction record.

1002. Checking the change request according to a preset rule, and executing the next step when the change request is determined to accord with the rule;

In this application example, the method of auditing by the institution server according to the rule is similar to the method of judging whether the information change request satisfies the information change condition in the foregoing embodiment, and details are not repeated here.

1003. Changing static evaluation index information or dynamic evaluation index information of the target object;

In this application example, the organization server changes the static evaluation index information or the dynamic evaluation index information of the target object according to the change request. For example, when the user modifies the mobile phone number associated with the user information of the third party payment account in the change request, the organization server modifies the mobile phone number associated with the user information of the third party payment account to a new mobile phone number (the mobile phone number is one of static evaluation index information). For another example, if the change request is a new transaction record, the institution server adds the new transaction record to the blockchain and updates the corresponding dynamic evaluation index information.

1004. A risk rating of the target object is calculated.

In this application example, the institution server may calculate the risk rating of the target object according to the static evaluation index information and the dynamic evaluation index information, and the specific calculation method is similar to the manner of calculating the risk rating in the foregoing embodiment, and details are not repeated here.

After the institution server obtains the risk rating of the target object, corresponding measures can be carried out on the target object so as to realize the goal of back money laundering. If for the clients with higher risks, further in-depth checking and understanding of the client business activities and property sources can be adopted, the collection and updating frequency of the information of the client actual control person and the actual beneficiary can be properly improved, the frequency and intensity of transaction monitoring can be moderately improved, and reasonable restrictions can be implemented on the transaction mode, the transaction scale, the transaction frequency and the like of the clients; for clients with lower risk, it may be desirable to extend the update period of the KYC data appropriately, reduce the frequency or strength of KYC appropriately within a reasonable transaction scale, allow for the use of more advanced payment rights, etc.

Fig. 11 is a schematic diagram of a method for evaluating information in this application example, and it can be seen that in this application example, the institution server performs qualitative analysis and quantitative analysis according to static evaluation index information (such as certificate type, certificate information, age, work type, location area, etc.) and dynamic evaluation index information (such as transaction amount, transaction content, transaction method, transaction frequency, transaction IP, etc.), where the quantitative analysis is to calculate a risk rating, and the qualitative analysis is to calculate a risk rating. The institution server then obtains the risk rating of the target object and may perform the corresponding measures.

The application example of the application ensures that the risk dimension index information of the client cannot be tampered and forged through a blockchain technology, ensures the safety and reliability of the money back washing risk rating index data, can effectively assist money back washing staff in judging the risk condition of the client, reduces the possibility of illegal criminal activities by using third party payment, and maintains the financial safety and order of China.

Fig. 12 is a schematic diagram of an information evaluation apparatus according to an embodiment of the present application, and it can be seen that an information evaluation apparatus 1200 according to an embodiment of the present application includes:

an obtaining unit 1201, configured to obtain first evaluation index information corresponding to a target object;

the obtaining unit 1201 is further configured to obtain an information change request when the first evaluation index information changes, where the information change request carries an identifier of the target object;

a processing unit 1202, configured to obtain second evaluation index information corresponding to the target object according to the information change request if the information change request satisfies the information change condition;

The processing unit 1202 is further configured to record the second evaluation index information to the blockchain for synchronous storage, so that the blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information.

Optionally, in an alternative embodiment of the apparatus for evaluating information corresponding to fig. 12 according to the embodiment of the present application, the blockchain node is further configured to:

Optionally, in an alternative embodiment of the apparatus for evaluating information according to fig. 12 according to the embodiment of the present application, the processing unit 1202 is further configured to:

The acquisition unit is specifically configured to: and acquiring first evaluation index information corresponding to the target object through the block chain.

Optionally, in an alternative embodiment of the apparatus for evaluating information corresponding to fig. 12 according to the embodiment of the present application, if the risk level score is greater than the set threshold, the processing unit 1202 performs the set first risk control measure on the target object;

If the risk level score is less than or equal to the set threshold, the processing unit 1202 performs a set second risk control measure on the target object.

Optionally, in an optional embodiment of an apparatus for evaluating information corresponding to fig. 12 in this embodiment of the present application, the first evaluation index information and the second evaluation index information are both evaluation index information, the evaluation index information includes static evaluation index information and dynamic evaluation index information, the static evaluation index information includes one or more of a certificate type, a certificate information, an age, a work type, and a location area, and the dynamic evaluation index information includes one or more of a transaction amount, a transaction content, a transaction manner, a transaction frequency, and a transaction internet protocol address.

The embodiment of the application also provides a node device, which can be a terminal device or a server, and the case that the node device is a terminal device will be described in detail below:

The embodiment of the present application further provides another information evaluation device, as shown in fig. 13, for convenience of explanation, only the relevant parts of the embodiment of the present application are shown, and specific technical details are not disclosed, please refer to the method part of the embodiment of the present application. The terminal may be any terminal device including a mobile phone, a tablet computer, a Personal Digital Assistant (PDA), a point of sale (POS), a vehicle-mounted computer, and the like, taking the mobile phone as an example:

Fig. 13 is a block diagram of a part of a structure of a mobile phone related to a terminal provided in an embodiment of the present application. Referring to fig. 13, the mobile phone includes: radio Frequency (RF) circuitry 1310, memory 1320, input unit 1330, display unit 1340, sensors 1350, audio circuitry 1360, wireless fidelity (WIRELESS FIDELITY, wiFi) modules 1370, processor 1380, and power supply 1390. It will be appreciated by those skilled in the art that the handset construction shown in fig. 13 is not limiting of the handset and may include more or fewer components than shown, or may combine certain components, or a different arrangement of components.

The following describes the components of the mobile phone in detail with reference to fig. 13:

The RF circuit 1310 may be used for receiving and transmitting signals during a message or a call, and in particular, after receiving downlink information of a base station, the RF circuit may process the downlink information for the processor 1380; in addition, the data of the design uplink is sent to the base station. Generally, RF circuitry 1310 includes, but is not limited to, an antenna, at least one amplifier, a transceiver, a coupler, a low noise amplifier (low noise amplifier, LNA), a duplexer, and the like. In addition, the RF circuitry 1310 may also communicate with networks and other devices via wireless communications. The wireless communications may use any communication standard or protocol including, but not limited to, global System for Mobile communications (global system of mobile communication, GSM), general packet radio service (GENERAL PACKET radio service, GPRS), code division multiple access (code division multiple access, CDMA), wideband code division multiple access (wideband code division multiple access, WCDMA), long term evolution (long term evolution, LTE), email, short message service (short MESSAGING SERVICE, SMS), and the like.

The memory 1320 may be used to store software programs and modules, and the processor 1380 performs various functional applications and data processing of the handset by executing the software programs and modules stored in the memory 1320. The memory 1320 may mainly include a storage program area that may store an operating system, application programs required for at least one function (such as a sound playing function, an image playing function, etc.), and a storage data area; the storage data area may store data (such as audio data, phonebook, etc.) created according to the use of the handset, etc. In addition, memory 1320 may include high-speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid-state storage device.

The input unit 1330 may be used to receive input numeric or character information and to generate key signal inputs related to user settings and function control of the handset. In particular, the input unit 1330 may include a touch panel 1331 and other input devices 1332. Touch panel 1331, also referred to as a touch screen, may collect touch operations thereon or thereabout by a user (e.g., operations of the user on touch panel 1331 or thereabout using any suitable object or accessory such as a finger, stylus, etc.) and actuate the corresponding connection device according to a predetermined program. Alternatively, the touch panel 1331 may include two parts of a touch detection device and a touch controller. The touch detection device detects the touch azimuth of a user, detects a signal brought by touch operation and transmits the signal to the touch controller; the touch controller receives touch information from the touch detection device and converts it into touch point coordinates, which are then sent to the processor 1380, and can receive commands from the processor 1380 and execute them. In addition, the touch panel 1331 may be implemented in various types of resistive, capacitive, infrared, surface acoustic wave, and the like. The input unit 1330 may include other input devices 1332 in addition to the touch panel 1331. In particular, other input devices 1332 may include, but are not limited to, one or more of a physical keyboard, function keys (e.g., volume control keys, switch keys, etc.), a trackball, mouse, joystick, etc.

The display unit 1340 may be used to display information input by a user or information provided to the user as well as various menus of the mobile phone. The display unit 1340 may include a display panel 1341, and the display panel 1341 may be optionally configured in the form of a Liquid Crystal Display (LCD), an organic light-emitting diode (OLED), or the like. Further, the touch panel 1331 may overlay the display panel 1341, and when the touch panel 1331 detects a touch operation thereon or thereabout, the touch panel is transferred to the processor 1380 to determine the type of touch event, and the processor 1380 then provides a corresponding visual output on the display panel 1341 according to the type of touch event. Although in fig. 13, the touch panel 1331 and the display panel 1341 are two independent components for implementing the input and output functions of the mobile phone, in some embodiments, the touch panel 1331 may be integrated with the display panel 1341 to implement the input and output functions of the mobile phone.

The handset may also include at least one sensor 1350, such as a light sensor, a motion sensor, and other sensors. Specifically, the light sensor may include an ambient light sensor that may adjust the brightness of the display panel 1341 according to the brightness of ambient light, and a proximity sensor that may turn off the display panel 1341 and/or the backlight when the phone is moved to the ear. As one of the motion sensors, the accelerometer sensor can detect the acceleration in all directions (generally three axes), and can detect the gravity and direction when stationary, and can be used for applications of recognizing the gesture of a mobile phone (such as horizontal and vertical screen switching, related games, magnetometer gesture calibration), vibration recognition related functions (such as pedometer and knocking), and the like; other sensors such as gyroscopes, barometers, hygrometers, thermometers, infrared sensors, etc. that may also be configured with the handset are not described in detail herein.

Audio circuitry 1360, speaker 1361, microphone 1362 may provide an audio interface between the user and the handset. The audio circuit 1360 may transmit the received electrical signal after audio data conversion to the speaker 1361, where the electrical signal is converted to a sound signal by the speaker 1361 and output; on the other hand, the microphone 1362 converts the collected sound signals into electrical signals, which are received by the audio circuit 1360 and converted into audio data, which are processed by the audio data output processor 1380 for transmission to, for example, another cell phone via the RF circuit 1310, or for output to the memory 1320 for further processing.

WiFi belongs to a short-distance wireless transmission technology, and a mobile phone can help a user to send and receive emails, browse webpages, access streaming media and the like through a WiFi module 1370, so that wireless broadband Internet access is provided for the user. Although fig. 13 shows a WiFi module 1370, it is understood that it does not belong to the necessary constitution of the mobile phone, and can be omitted entirely as required within a range that does not change the essence of the invention.

Processor 1380 is a control center of the handset, connecting various portions of the entire handset using various interfaces and lines, performing various functions of the handset and processing data by running or executing software programs and/or modules stored in memory 1320, and invoking data stored in memory 1320. Optionally, processor 1380 may include one or more processing units; optionally, processor 1380 may integrate an application processor primarily handling operating systems, user interfaces, applications, etc., with a modem processor primarily handling wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 1380.

The handset further includes a power supply 1390 (e.g., a battery) for powering the various components, optionally in logical communication with the processor 1380 through a power management system, such as by which charging, discharging, and power consumption functions can be managed.

Although not shown, the mobile phone may further include a camera, a bluetooth module, etc., which will not be described herein.

In an embodiment of the present application, the processor 1380 included in the terminal further has the following functions:

Acquiring first evaluation index information corresponding to a target object;

and recording the second evaluation index information to the blockchain for synchronous storage, so that the blockchain node acquires the second evaluation index information through the blockchain, and the blockchain node determines the risk evaluation information of the target object according to the second evaluation index information.

If the risk level score of the target object is larger than the set threshold value, executing a set first risk control measure on the target object;

The first evaluation index information and the second evaluation index information are evaluation index information, the evaluation index information comprises static evaluation index information and dynamic evaluation index information, the static evaluation index information comprises one or more of certificate type, certificate information, age, work type and location domain, and the dynamic evaluation index information comprises one or more of transaction amount, transaction content, transaction mode, transaction frequency and transaction internet protocol address.

The following describes in detail the case where the node device is a server:

Fig. 14 is a schematic diagram of a server structure provided by an embodiment of the present application, where the server 1400 may vary considerably in configuration or performance, and may include one or more central processing units (central processing units, CPU) 1422 (e.g., one or more processors) and memory 1432, one or more storage mediums 1430 (e.g., one or more mass storage devices) that store applications 1442 or data 1444. Wherein the memory 1432 and storage medium 1430 can be transitory or persistent storage. The program stored in the storage medium 1430 may include one or more modules (not shown), each of which may include a series of instruction operations on a server. Further, the central processor 1422 may be provided in communication with a storage medium 1430 to perform a series of instruction operations in the storage medium 1430 on the server 1400.

The Server 1400 can also include one or more power supplies 1426, one or more wired or wireless network interfaces 1450, one or more input/output interfaces 1458, and/or one or more operating systems 1441, such as a Windows Server ^TM,Mac OS X^TM,Unix^TM,Linux^TM,FreeBSD^TM, or the like.

The steps performed by the server in the above embodiments may be based on the server structure shown in fig. 14.

In an embodiment of the present application, the central processor 1422 may further perform the following steps:

Acquiring first evaluation index information corresponding to a target object;

It will be clear to those skilled in the art that, for convenience and brevity of description, specific working procedures of the above-described systems, apparatuses and units may refer to corresponding procedures in the foregoing method embodiments, which are not repeated herein.

In the several embodiments provided in the present application, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the units is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple units or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.

The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.

In addition, each functional unit in the embodiments of the present application may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in software functional units.

The integrated units, if implemented in the form of software functional units and sold or used as stand-alone products, may be stored in a computer readable storage medium. Based on such understanding, the technical solution of the present application may be embodied essentially or in part or all of the technical solution or in part in the form of a software product stored in a storage medium, including instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to perform all or part of the steps of the method according to the embodiments of the present application. And the aforementioned storage medium includes: a usb disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (RAM, random Access Memory), a magnetic disk, or an optical disk, or other various media capable of storing program codes.

It should be noted that, the user related information (including but not limited to user equipment information, user personal information, etc.) and the data (including but not limited to data for analysis, stored data, presented data, etc.) related to the present application are information and data authorized by the user or sufficiently authorized by each party, and the collection, use and processing of the related data need to comply with the related laws and regulations and standards of the related country and region.

Claims

1. The information evaluation method is characterized by being applied to node equipment in a blockchain, wherein the node equipment comprises a bank server, a user terminal, a third party payment mechanism server and a merchant terminal; the method comprises the following steps:

Acquiring first evaluation index information corresponding to the target object through the blockchain; the target object is a third party payment account;

Recording the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information; the second evaluation index information stored by the blockchain includes: synchronously recording, by the bank server, the evaluation index information of the blockchain, synchronously recording, by the user terminal, the evaluation index information of the blockchain, synchronously recording, by the third party payment mechanism server, the evaluation index information of the blockchain, and synchronously recording, by the merchant terminal, the evaluation index information of the blockchain; the blockchain node is at least one of the node devices;

the first evaluation index information and the second evaluation index information each include: the bank server is used for storing bank account information related to the third-party payment account, the user terminal is used for storing the bank account information related to the third-party payment account, the third-party payment mechanism server is used for storing account information related to the third-party payment account, and the merchant terminal is used for storing transaction information when the third-party payment account is transacted with the merchant account.

2. The method of claim 1, wherein the determining risk assessment information for the target object from the second assessment index information comprises:

3. The method of claim 2, wherein after the calculating the risk rating score of the target object based on the static risk dimension rating score, the dynamic risk dimension rating score, and the set dimension weight, the method further comprises:

4. The method according to claim 2, wherein after determining risk assessment information of the target object according to the second assessment index information, the method further comprises:

if the risk level score of the target object is greater than a set threshold, executing a set first risk control measure on the target object;

and if the risk level score of the target object is smaller than or equal to a set threshold value, executing a set second risk control measure on the target object.

5. The method of claim 2, wherein the static evaluation index information in the second evaluation index information includes one or more of a credential type, credential information, age, job type, and location domain.

6. The method of claim 2, wherein the dynamic assessment indicator information in the second assessment indicator information comprises one or more of a transaction amount, a transaction content, a transaction style, a transaction frequency, and a transaction internet protocol address.

7. An information evaluation device is characterized by being applied to node equipment in a blockchain, wherein the node equipment comprises a bank server, a user terminal, a third party payment mechanism server and a merchant terminal; the device comprises:

the processing unit is used for recording first evaluation index information corresponding to the target object to the blockchain for synchronous storage;

The acquisition unit is used for acquiring first evaluation index information corresponding to the target object through the blockchain; the target object is a third party payment account;

The processing unit is further used for recording the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information; the first and second evaluation index information stored in the blockchain includes: synchronously recording, by the bank server, the evaluation index information of the blockchain, synchronously recording, by the user terminal, the evaluation index information of the blockchain, synchronously recording, by the third party payment mechanism server, the evaluation index information of the blockchain, and synchronously recording, by the merchant terminal, the evaluation index information of the blockchain; the blockchain node is at least one of the node devices;

8. The apparatus of claim 7, wherein the blockchain node is further configured to:

9. The apparatus of claim 8, wherein the processing unit is further configured to:

10. The apparatus of claim 8, wherein the processing unit is further configured to:

11. The apparatus of claim 8, wherein the static evaluation index information in the second evaluation index information comprises one or more of a credential type, credential information, age, job type, and location domain.

12. The apparatus of claim 8, wherein the dynamic assessment indicator information in the second assessment indicator information comprises one or more of a transaction amount, a transaction content, a transaction style, a transaction frequency, and a transaction internet protocol address.

13. A node device, characterized in that the node device comprises a bank server, a user terminal, a third party payment mechanism server and a merchant terminal; the bank server, the user terminal, the third party payment mechanism server and the merchant terminal all comprise: memory, transceiver, processor, and bus system;

wherein the memory is used for storing programs;

Recording the second evaluation index information to a blockchain for synchronous storage, so that a blockchain node obtains the second evaluation index information through the blockchain, and the blockchain node determines risk evaluation information of the target object according to the second evaluation index information; the first and second evaluation index information stored in the blockchain each include: synchronously recording, by the bank server, the evaluation index information of the blockchain, synchronously recording, by the user terminal, the evaluation index information of the blockchain, synchronously recording, by the third party payment mechanism server, the evaluation index information of the blockchain, and synchronously recording, by the merchant terminal, the evaluation index information of the blockchain; the blockchain node is at least one of the node devices;

The first evaluation index information and the second evaluation index information each include: the bank account information related to the third party payment account in the bank server, the related information of the third party payment account in the user terminal equipment, the account information of the third party payment account in the third party payment mechanism server and the transaction information when the third party payment account and the merchant account are transacted in the merchant terminal equipment;

14. A computer readable storage medium comprising instructions which, when run on a computer, cause the computer to perform the method of any one of claims 1 to 6.

15. A computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of any of claims 1 to 6.