Optimization Model of Cross-Border E-commerce Payment Security by Blockchain Finance

Cross-border trade is also changing and innovating. Electronic payment has become the core application of modern cross-border e-commerce. However, although electronic payment has brought convenience and efficiency to enterprises and social life, there are also many problems in transaction information security. These problems not only hinder the development of electronic payment but also bring hidden dangers to people's property security. Therefore, an encryption algorithm of e-commerce was proposed, and its algorithm security and risk control mode was further studied by means of case analysis, empirical analysis, and comparative analysis. Experimental data show that blockchain technology is a breakthrough. The aim of the study is to explore its application in specific circumstances and strive to make the new e-payment mode in line with international standards.