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CN-121998646-A - Bank virtual space transaction risk control method, device, storage medium and equipment

CN121998646ACN 121998646 ACN121998646 ACN 121998646ACN-121998646-A

Abstract

The invention provides a bank virtual space transaction risk control method, a device, a storage medium and equipment, which are applied to the technical field of artificial intelligence. The method comprises the steps of collecting multi-mode biological characteristics and interactive behavior characteristics when a user enters a metauniverse bank space, generating dynamic behavior keys and storing the dynamic behavior keys in a cross-chain mode, acquiring real-time transaction behavior data when the user triggers a transaction, generating temporary keys by combining the multi-mode biological characteristics, performing similarity matching on the temporary keys and the dynamic behavior keys on the chain through a dynamic time regulation method, calculating deviation values, and starting corresponding risk defense strategies when the deviation values reach a preset risk threshold value, so that continuous dynamic verification and active risk defense of user identities are realized, and the safety and reliability of identity authentication in a complex virtual environment are remarkably improved.

Inventors

  • ZHANG RAN

Assignees

  • 中信银行股份有限公司

Dates

Publication Date
20260508
Application Date
20260202

Claims (10)

  1. 1. A method for controlling risk of a bank virtual space transaction, comprising: acquiring multi-mode biological characteristic information when a user enters a metauniverse bank space; acquiring interactive behavior characteristic information of the user in the metauniverse bank space; Generating a dynamic behavior key by utilizing the multi-mode biological characteristic information and the interactive behavior characteristic information; Performing cross-chain storage on the dynamic behavior key; When the user is monitored to trigger a transaction in the metauniverse bank space, acquiring real-time transaction behavior data of the user; generating a temporary key by utilizing the multi-mode biological characteristic information and the real-time transaction behavior data; performing dynamic time regular similarity matching on the temporary key and the dynamic behavior key on a chain to obtain a similarity deviation value; judging whether the similarity deviation value is equal to or greater than a preset risk threshold value, and if so, starting a risk defense strategy corresponding to the similarity deviation value.
  2. 2. The method of claim 1, wherein the cross-chain storing of the dynamic behavior keys comprises: Decomposing the dynamic behavior key into a private component and a public component; And storing the private component in a private alliance chain after homomorphic encryption, binding the public component with a financial account of the user, writing the public component into a public blockchain, and constructing a verifiable mapping relation between the private component encrypted on the private alliance chain and the public component on the public blockchain.
  3. 3. The method of claim 1, wherein the obtaining the interactive behavior feature information of the user in the metabanking space comprises: recording an interactive behavior sequence of the user in a meta-universe bank space; And carrying out time sequence analysis processing on the interactive behavior sequence, and extracting interactive behavior characteristic information of the user in the metauniverse bank space.
  4. 4. A method according to claim 3, wherein said recording the sequence of interactions of the user in metabanking space comprises: Mapping an operation event of a user in the metauniverse bank space into a coordinate point sequence in a preset coordinate system, wherein the preset coordinate system is a three-dimensional space-time coordinate system taking a virtual counter coordinate position in the metauniverse bank space as a reference origin; Recording the behavior entropy value of the user in the metauniverse bank space; And generating an interactive behavior sequence of the user in the metauniverse bank space by using the coordinate point sequence and the behavior entropy value.
  5. 5. The method according to claim 4, wherein the performing a time sequence analysis process on the interactive behavior sequence, extracting interactive behavior feature information of the user in the metauniverse bank space, includes: performing space-time embedding processing on the interactive behavior sequence by using a transducer encoder to obtain a space-time embedded vector; creating a behavior feature enhancement data set corresponding to the user using an countermeasure generation network based on the spatiotemporal embedding vector; enhancing the data set by utilizing the behavior characteristics, and optimizing a characteristic extraction model through contrast learning; and extracting interactive behavior characteristic information of the user in the metauniverse bank space from the space-time embedded vector by using the optimized characteristic extraction model.
  6. 6. The method of claim 1, wherein prior to said determining whether the similarity deviation value is equal to or greater than a preset risk threshold, the method further comprises: generating random number seeds by adopting a quantum entropy source; And dynamically adjusting the preset risk threshold based on the random number seeds.
  7. 7. The method of claim 1, wherein the initiating a risk defense strategy corresponding to the similarity bias value comprises: under the condition that the similarity deviation value corresponds to low risk, an invisible bait element comprising a fake API interface and a fake data packet is injected into the current transaction interface of the user; Under the condition that the similarity deviation value corresponds to the middle risk, forcibly interrupting the current transaction flow, and starting multi-mode review verification; and under the condition that the similarity deviation value corresponds to high risk, freezing the financial account of the user, and starting cross-chain audit to trace back an attack path.
  8. 8. The bank virtual space transaction risk control device is characterized by comprising a multi-mode biological characteristic information obtaining unit, an interactive behavior characteristic information obtaining unit, a dynamic behavior key generating unit, a cross-chain storage unit, a real-time transaction behavior data obtaining unit, a temporary key generating unit, a similarity deviation value obtaining unit, a risk judging unit and a risk defense starting unit; the multi-mode biological characteristic information obtaining unit is used for obtaining multi-mode biological characteristic information when a user enters a metauniverse bank space; the interactive behavior characteristic information obtaining unit is used for obtaining the interactive behavior characteristic information of the user in the meta-universe bank space; the dynamic behavior key generation unit is used for generating a dynamic behavior key by utilizing the multi-mode biological characteristic information and the interactive behavior characteristic information; the cross-chain storage unit is used for performing cross-chain storage on the dynamic behavior key; The real-time transaction behavior data acquisition unit is used for acquiring real-time transaction behavior data of the user when the user is monitored to trigger a transaction in the metauniverse bank space; the temporary key generation unit is used for generating a temporary key by utilizing the multi-mode biological characteristic information and the real-time transaction behavior data; the similarity deviation value obtaining unit is used for carrying out dynamic time-ordered similarity matching on the temporary secret key and the dynamic behavior secret key on the chain to obtain a similarity deviation value; The risk judging unit is used for judging whether the similarity deviation value is larger than a preset risk threshold value or not, and if so, triggering the risk defense starting unit; the risk defense starting unit is used for starting a risk defense strategy corresponding to the similarity deviation value.
  9. 9. A computer-readable storage medium having a program stored thereon, wherein the program when executed by a processor implements the bank virtual space transaction risk control method according to any one of claims 1 to 7.
  10. 10. An electronic device, characterized in that the electronic device comprises at least one processor, at least one memory and a bus connected with the processor, wherein the processor and the memory are in communication with each other through the bus, and the processor is used for calling program instructions in the memory to execute the bank virtual space transaction risk control method according to any one of claims 1 to 7.

Description

Bank virtual space transaction risk control method, device, storage medium and equipment Technical Field The invention relates to the technical field of artificial intelligence, in particular to a bank virtual space transaction risk control method, a bank virtual space transaction risk control device, a storage medium and a bank virtual space transaction risk control device. Background The traditional identity authentication system mostly adopts static passwords, biological feature recognition (such as fingerprints and faces) or double-factor authentication, relies on preset keys and single-mode recognition, and performs data processing and storage by a centralized server. In the aspect of data tracing, part of platforms record user behaviors or transaction information by using a single-chain structure, but lack of a cross-chain cooperative mechanism, so that identity information is difficult to uniformly verify, and a data island is formed. In addition, the traditional system is subject to multiple dependencies and post-responsibility, lacks active defensive capability, and is difficult to effectively simulate attack and disguise operation. The existing method has three defects that a static key and a single-mode characteristic are easy to forge and lack of dynamic behavior consistency judgment, cross-chain coordination is lacking to prevent identity sharing and verification in a multi-chain environment, and a security model is passive and has limited defensive capability. These defects are particularly prominent in high risk scenarios such as metacosmic finance. Therefore, how to improve the security and reliability of identity authentication in a complex virtual environment is a technical problem that needs to be solved by those skilled in the art. Disclosure of Invention In view of the above problems, the present invention provides a method, an apparatus, a storage medium, and a device for controlling risk of a bank virtual space transaction, which overcome or at least partially solve the above problems, and the technical solution is as follows: a bank virtual space transaction risk control method comprises the following steps: acquiring multi-mode biological characteristic information when a user enters a metauniverse bank space; acquiring interactive behavior characteristic information of the user in the metauniverse bank space; Generating a dynamic behavior key by utilizing the multi-mode biological characteristic information and the interactive behavior characteristic information; Performing cross-chain storage on the dynamic behavior key; When the user is monitored to trigger a transaction in the metauniverse bank space, acquiring real-time transaction behavior data of the user; generating a temporary key by utilizing the multi-mode biological characteristic information and the real-time transaction behavior data; performing dynamic time regular similarity matching on the temporary key and the dynamic behavior key on a chain to obtain a similarity deviation value; judging whether the similarity deviation value is equal to or greater than a preset risk threshold value, and if so, starting a risk defense strategy corresponding to the similarity deviation value. Optionally, the performing cross-chain storage on the dynamic behavior key includes: Decomposing the dynamic behavior key into a private component and a public component; And storing the private component in a private alliance chain after homomorphic encryption, binding the public component with a financial account of the user, writing the public component into a public blockchain, and constructing a verifiable mapping relation between the private component encrypted on the private alliance chain and the public component on the public blockchain. Optionally, the obtaining the interactive behavior feature information of the user in the metauniverse bank space includes: recording an interactive behavior sequence of the user in a meta-universe bank space; And carrying out time sequence analysis processing on the interactive behavior sequence, and extracting interactive behavior characteristic information of the user in the metauniverse bank space. Optionally, the recording the interactive behavior sequence of the user in the metauniverse bank space includes: Mapping an operation event of a user in the metauniverse bank space into a coordinate point sequence in a preset coordinate system, wherein the preset coordinate system is a three-dimensional space-time coordinate system taking a virtual counter coordinate position in the metauniverse bank space as a reference origin; Recording the behavior entropy value of the user in the metauniverse bank space; And generating an interactive behavior sequence of the user in the metauniverse bank space by using the coordinate point sequence and the behavior entropy value. Optionally, the performing time sequence analysis processing on the interaction behavior sequence, extracting interaction behavior feature