CN109741061A - A kind of cross-border payment transaction system based on block chain technology - Google Patents
A kind of cross-border payment transaction system based on block chain technology Download PDFInfo
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- CN109741061A CN109741061A CN201910014985.6A CN201910014985A CN109741061A CN 109741061 A CN109741061 A CN 109741061A CN 201910014985 A CN201910014985 A CN 201910014985A CN 109741061 A CN109741061 A CN 109741061A
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Abstract
The present invention discloses a kind of cross-border payment transaction method based on block chain technology, using the cross-border payment transaction system based on block chain technology, cross-border payment transaction system based on block chain technology includes international publication distribution system, multiple bank's units and multiple subscriber units, bank's unit includes storage system, the first notice information generates system and bank's code key generates system, and the subscriber unit includes that the second notice information generates system and user's code key generation system.The present invention is based on the cross-border payment and settlement methods of block chain, and block catenary system is relatively simple, convenient for building；With independent encrypting module, safety is higher；It mutually supervises, mutually relies on, to improve the safety of transaction between banking system.
Description
Technical field
The present invention relates to block chain technical fields, and in particular to a kind of cross-border payment transaction system based on block chain technology
System.
Background technique
Cross-border clearing refer to that import and export enterprise from using local currency L/C in addition to switching to using nonlocal confidence in the currency card
Except do not have apparent feeling, really variation be between local and overseas banks backstage clearing part.For example, China certain
Export enterprise can require RMB to settle accounts, overseas buyer then issues the people in paying bank with overseas buyer's negotiations process
The coin letter of credit, subsequent negotiating bank notify buyer, are only delivery later, receive, bank settlement etc..
Business bank carries out cross-border account settlement business, and there are two types of operation modes, i.e. proxy mode and clearance mode.So-called agency
Mode is primarily referred to as the middle money row commission foreign capitals row agency overseas as its, and overseas enterprise opens in the consignment store of China-invested enterprise
If the mode of RMB account；And clearing mode is mainly to carry out between branch bank in finger in the domestic head office of middle money row and overseas
Business, i.e. overseas enterprise overseas open up RMB account in middle money row in lines.
Existing cross-border payment and settlement backstage is complex, and data volume is larger, can only generally be tied by bank to bank
It calculates, it is more inconvenient.Simultaneously as different establish a capital of different access mechanisms is exchanged in strict accordance with the international exchange rate, therefore, handing over
Initiator will lead to Fail Transaction with the recipient's exchange rate difference when easily.
Summary of the invention
In order to solve the above technical problems, the present invention provides a kind of cross-border payment transaction system based on block chain technology
Including international publication distribution system, multiple bank's units and multiple subscriber units,
International publication distribution system is used to announce the notice information that subscriber unit and bank's unit generate, and distributes to all
Bank's unit storage system,
Bank's unit includes storage system, the first notice information generates system and bank's code key generates system, institute
For storing all notice informations, the cross-border payment transaction information of user needs to generate by bank's code key the storage system stated
System is encrypted, and encrypted cross-border payment transaction information is then generated system by the first notice information again and generates bulletin
Information, and it is sent to international publication distribution system, code key is sent to the bank of gathering by bank,
The subscriber unit includes that the second notice information generates system and user's code key generation system, the cross-border branch of user
It pays Transaction Information to need to encrypt by user's code key generation system, then again leads to encrypted cross-border payment transaction information
It crosses the second notice information and generates system generation notice information, and be sent to international publication distribution system, subscriber unit sends out code key
Give the bank of gathering.
Preferably, the international publication distribution system further includes international storage system, for storing all bulletin letters
Breath.
Preferably, the cross-border payment transaction information, including the time, payee, shroff account number, payee bank of deposit,
Requestee, payment account number and requestee bank of deposit.
Preferably, the subscriber unit further includes demand system for filling, and bank's unit further includes requirement validation
System.
In addition a kind of cross-border payment transaction method based on block chain technology is disclosed, using above-mentioned based on block chain technology
Cross-border payment transaction system, and include the following steps,
S1. user fills in cross-border payment transaction information by demand system for filling, and the demand for being sent to bank's unit is true
Recognize system,
S2. after the requirement validation system of bank's unit receives cross-border payment transaction information, user is fed back to after confirmation is errorless
The demand system for filling of system, and cross-border payment transaction information is generated into system by bank's code key of bank's unit and is added
Close, encrypted cross-border payment transaction information generates system by the first notice information and generates notice information, and is sent to the world
Distribution system is announced, bank's code key generates system and the code key of bank is sent to gathering row,
S3. after subscriber unit receives the feedback of requirement validation system of bank's unit, cross-border payment transaction information is passed through
User's code key of subscriber unit generates system and encrypts, and encrypted cross-border payment transaction information is raw by the second notice information
Notice information is generated at system, and is sent to international publication distribution system, user's code key generates system and sends the code key of user
It goes to gathering,
S4. after international publication distribution system receives notice information, notice information is sent to depositing for all bank's units
Storage system is stored,
S5. the bank's unit collected money first confirms corresponding notice information after receiving bank's code key and user's code key, will
Notice information and the notice information of other banks are checked, and if there is no problem, are announced respectively with bank's code key and user's secret key pair
Information is decrypted, and cross-border payment transaction information is checked after decryption, confirms that destiny account is arrived in errorless rear gathering.
The invention has the following beneficial effects:
1, the present invention is based on the cross-border payment and settlement method of block chain, block catenary system is relatively simple, convenient for building；
2, the present invention is based on the cross-border payment and settlement methods of block chain, have independent encrypting module, and safety is higher.
3, it mutually supervises, mutually relies on, to improve the safety of transaction between banking system of the invention.
Specific embodiment
Below in conjunction with the embodiment of the present invention, the technical scheme in the embodiment of the invention is clearly and completely described,
Obviously, the embodiment described is the embodiment of part of representative of the invention, rather than whole embodiments, this field are general
Other all embodiments obtained belong to protection of the invention to logical technical staff without making creative work
Range.
The present embodiment discloses a kind of cross-border payment transaction method based on block chain technology, using based on block chain technology
Cross-border payment transaction system, the cross-border payment transaction system based on block chain technology include international publication distribution system, Duo Geyin
Row unit and multiple subscriber units, bank's unit includes storage system, the first notice information generates system and bank is secret
Key generates system, and the subscriber unit includes that the second notice information generates system and user's code key generation system,
And include the following steps,
S1. user fills in cross-border payment transaction information by demand system for filling, and the demand for being sent to bank's unit is true
Recognize system,
S2. after the requirement validation system of bank's unit receives cross-border payment transaction information, user is fed back to after confirmation is errorless
The demand system for filling of system, and cross-border payment transaction information is generated into system by bank's code key of bank's unit and is added
Close, encrypted cross-border payment transaction information generates system by the first notice information and generates notice information, and is sent to the world
Distribution system is announced, bank's code key generates system and the code key of bank is sent to gathering row,
S3. after subscriber unit receives the feedback of requirement validation system of bank's unit, cross-border payment transaction information is passed through
User's code key of subscriber unit generates system and encrypts, and encrypted cross-border payment transaction information is raw by the second notice information
Notice information is generated at system, and is sent to international publication distribution system, user's code key generates system and sends the code key of user
It goes to gathering,
S4. after international publication distribution system receives notice information, notice information is sent to depositing for all bank's units
Storage system is stored,
S5. the bank's unit collected money first confirms corresponding notice information after receiving bank's code key and user's code key, will
Notice information and the notice information of other banks are checked, and if there is no problem, are announced respectively with bank's code key and user's secret key pair
Information is decrypted, and cross-border payment transaction information is checked after decryption, confirms that destiny account is arrived in errorless rear gathering.
Here cross-border payment transaction information include but is not limited to the time, payee, shroff account number, payee bank of deposit,
Requestee, payment account number and requestee bank of deposit.
Those skilled in the art is not under conditions of departing from the spirit and scope of the present invention that claims determine, also
Various modifications can be carried out to the above content.Therefore the scope of the present invention is not limited in above explanation, but by
The range of claims determines.
Claims (5)
1. a kind of cross-border payment transaction system based on block chain technology, which is characterized in that including international publication distribution system, more
A bank's unit and multiple subscriber units,
International publication distribution system is used to announce the notice information that subscriber unit and bank's unit generate, and distributes to all silver
The storage system of row unit,
Bank's unit includes storage system, the first notice information generates system and bank's code key generates system, described
Storage system needs to generate system by bank's code key for storing all notice informations, the cross-border payment transaction information of user
It is encrypted, encrypted cross-border payment transaction information is then generated into system by the first notice information again and generates bulletin letter
Breath, and it is sent to international publication distribution system, code key is sent to the bank of gathering by bank,
The subscriber unit includes that the second notice information generates system and user's code key generation system, and the cross-border payment of user is handed over
Easy information, which needs to generate system by user's code key, to be encrypted, and encrypted cross-border payment transaction information is then passed through the again
Two notice informations generate system and generate notice information, and are sent to international publication distribution system, and code key is sent to by subscriber unit
The bank of gathering.
2. the cross-border payment transaction system according to claim 1 based on block chain technology, which is characterized in that the state
It further includes international storage system that distribution system is announced on border, for storing all notice informations.
3. the cross-border payment transaction system according to claim 1 based on block chain technology, which is characterized in that it is described across
Border payment transaction information, including time, payee, shroff account number, payee bank of deposit, requestee, payment account number and requestee
Bank of deposit.
4. the cross-border payment transaction system according to claim 2 or 3 based on block chain technology, which is characterized in that described
Subscriber unit further include demand system for filling, bank's unit further includes requirement validation system.
5. a kind of cross-border payment transaction method based on block chain technology, which is characterized in that using according to claim 4
Based on the cross-border payment transaction system of block chain technology, and include the following steps,
S1. user fills in cross-border payment transaction information by demand system for filling, and is sent to the requirement validation system of bank's unit
System,
S2. after the requirement validation system of bank's unit receives cross-border payment transaction information, custom system is fed back to after confirmation is errorless
Demand system for filling, and by cross-border payment transaction information by bank's unit bank's code key generate system encrypt, add
Cross-border payment transaction information after close generates system by the first notice information and generates notice information, and is sent to international publication point
Match system, bank's code key generate system and the code key of bank are sent to gathering row,
S3. after subscriber unit receives the feedback of requirement validation system of bank's unit, cross-border payment transaction information is passed through into user
User's code key of unit generates system and encrypts, and encrypted cross-border payment transaction information generates system by the second notice information
System generates notice information, and is sent to international publication distribution system, and user's code key generates system and the code key of user is sent to receipts
Money row,
S4. after international publication distribution system receives notice information, notice information is sent to the storage system of all bank's units
System is stored,
S5. the bank's unit collected money first confirms corresponding notice information after receiving bank's code key and user's code key, will announce
Information and the notice information of other banks are checked, and if there is no problem, use bank's code key and user's secret key pair notice information respectively
It is decrypted, cross-border payment transaction information is checked after decryption, confirm that destiny account is arrived in errorless rear gathering.
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| CN201910014985.6A CN109741061A (en) | 2019-01-08 | 2019-01-08 | A kind of cross-border payment transaction system based on block chain technology |
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| CN201910014985.6A CN109741061A (en) | 2019-01-08 | 2019-01-08 | A kind of cross-border payment transaction system based on block chain technology |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110599164A (en) * | 2019-09-02 | 2019-12-20 | 北京航空航天大学 | Method for rapidly paying by any payee under supervision chain |
| CN115578196A (en) * | 2022-10-11 | 2023-01-06 | 杭州姆珉网络科技有限公司 | Cross-border payment transaction system based on block chain technology |
| US11676117B2 (en) | 2020-05-07 | 2023-06-13 | International Business Machines Corporation | Blockchain compliance verification network |
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| US20180247302A1 (en) * | 2015-08-14 | 2018-08-30 | Identitii Pty Ltd | Computer implemented method for processing a financial transaction and a system therefor |
| CN108921531A (en) * | 2018-06-26 | 2018-11-30 | 广州友谱网络科技有限公司 | Cross-border payment and settlement method based on block chain payment system |
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2019
- 2019-01-08 CN CN201910014985.6A patent/CN109741061A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US20180247302A1 (en) * | 2015-08-14 | 2018-08-30 | Identitii Pty Ltd | Computer implemented method for processing a financial transaction and a system therefor |
| CN108921531A (en) * | 2018-06-26 | 2018-11-30 | 广州友谱网络科技有限公司 | Cross-border payment and settlement method based on block chain payment system |
Cited By (5)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110599164A (en) * | 2019-09-02 | 2019-12-20 | 北京航空航天大学 | Method for rapidly paying by any payee under supervision chain |
| CN110599164B (en) * | 2019-09-02 | 2022-05-10 | 北京航空航天大学 | Supervision-capable quick payment method for any payee under chain |
| US11676117B2 (en) | 2020-05-07 | 2023-06-13 | International Business Machines Corporation | Blockchain compliance verification network |
| CN115578196A (en) * | 2022-10-11 | 2023-01-06 | 杭州姆珉网络科技有限公司 | Cross-border payment transaction system based on block chain technology |
| CN115578196B (en) * | 2022-10-11 | 2023-04-07 | 杭州姆珉网络科技有限公司 | Cross-border payment transaction system based on block chain technology |
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