CN111626722B - Cross-border payment method and device - Google Patents
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Abstract
The invention discloses a cross-border payment method and device, and belongs to the technical field of communication. The cross-border payment method comprises the following steps: the bank node receives transaction information of a remittance transaction party node; the system comprises a sender node, a receiver node, a sender node and a receiver node, wherein the sender node is the receiver node, the transaction information is payment transaction information, and the payment transaction information comprises an account-out bank, an account-out account, a blockchain identifier of the receiver node and a transfer amount; and/or, the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account; adding block chain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node; the accounts of remittance transaction parties are sold in a point-to-point mode according to the pre-agreed intelligent contracts in the blockchain network, so that the cross-border payment process can be simplified, meanwhile, the payment of high transfer fees is avoided, the use experience of users is improved, and the development of foreign exchange business is promoted.
Description
Technical Field
The invention relates to the technical field of communication, in particular to a cross-border payment method and device.
Background
The development of network and information technology changes the traditional trade mode, provides development opportunity for the industries such as cross-border electronic commerce and the like, and the electronic payment mode is changed continuously. The blockchain technology is combined with modern electronic payment, so that the impact on the traditional electronic payment system is avoided, the exploration on the future electronic payment system is realized, and the introduction of the blockchain technology has a great pushing effect on the upgrading, perfecting and sound supervision system of the modern electronic payment system. With the continuous expansion of the Chinese economy open to the outside, the globalization of the economy is continuously deepened, and the cross-border payment becomes an important component of a modern electronic payment system. In the current cross-border payment scheme, accounts are required to be split between banks, and transaction and fund clearing are carried out through the accounts split between banks, so that the payment process is complex, and the participant banks in each country are required to pay high transfer fees to the transfer banks. In addition, if transaction disputes exist in cross-border payment, multiple settlement needs to be conducted between banks of both transaction parties and a transfer bank, so that payment efficiency is low. The participation of notarization institutions is also lacking in the cross-border payment process, and once disputes occur, responsible parties are not easy to be clarified, so that the use experience of users is seriously affected, and meanwhile, the development of foreign exchange business is also not facilitated.
Therefore, how to simplify the cross-border payment process, and avoid paying high transfer fees, improve the user experience, and promote the development of foreign exchange business is a problem to be solved in the art.
Disclosure of Invention
Therefore, the invention provides a cross-border payment method and device, which are used for solving the problems that the cross-border payment process is complex and high transfer fees need to be paid.
In order to achieve the above object, a first aspect of the present invention provides a cross-border payment method, applied to a banking node, including:
receiving transaction information of a remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account;
adding a blockchain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node;
and (3) marketing accounts of the remittance transaction parties in a point-to-point mode according to pre-agreed intelligent contracts in the blockchain network.
Further, before receiving the transaction information of the remittance transaction party node, the method further includes:
broadcasting an intelligent contract request message in the blockchain network;
receiving validation information of the intelligent contract; the effective information of the intelligent contract is information generated after the majority of all banking nodes in the alliance vote to pass through.
Further, before broadcasting the smart contract request message in the blockchain network, the method further includes:
and signing the intelligent contract by using the private key of the issuing bank node to generate the intelligent contract request message.
Further, before receiving the validation information of the smart contract, the method further includes:
receiving the intelligent contract request message initiated by the outbound banking node;
performing secondary signature on the intelligent contract request message by using the private key of the posting bank node to generate an intelligent contract intermediate request message;
broadcasting the smart contract intermediate request message in the blockchain network.
Further, the smart contract request message includes one or more of an add smart contract request message, a modify smart contract request message, and a delete smart contract request message.
In order to achieve the above object, a second aspect of the present invention provides a cross-border payment method, applied to a cross-border payment system node, including:
receiving transaction information of a money transfer transaction party node, adding a banking node corresponding to a transaction bank into a blockchain cross-border money transfer business transaction, and enabling the transaction banking node to sell accounts of the money transfer transaction party in a point-to-point mode according to a pre-agreed intelligent contract in the blockchain network; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a payee party node, the transaction information is cash collecting transaction information, the cash collecting transaction information comprises a check-in bank and a check-in account, and the bank node comprises a check-out bank node corresponding to the payer party node and a check-in bank node corresponding to the payee party node.
Further, before the receiving the transaction information of the remittance transaction party node and adding the bank node corresponding to the transaction bank into the blockchain cross-border remittance service transaction, the method further includes:
Receiving an intelligent contract intermediate request message broadcast by the posting bank node; the intelligent contract intermediate request message is generated after the accounting bank node performs secondary signature on the intelligent contract request message initiated by the accounting bank node according to the private key of the accounting bank node; the intelligent contract request message is a message generated after the issuing bank node signs the intelligent contract by using a private key of the issuing bank node;
signing the intelligent contract intermediate request message for three times by utilizing the private key of the cross-border payment system node to generate an intelligent contract effective request message;
broadcasting the smart contract validation request message in the blockchain network;
receiving a voting result returned by a bank node in the alliance;
when the majority of all the banking nodes in the alliance pass through the voting, generating effective information of the intelligent contract;
the validation information of the smart contract is broadcast in the blockchain network.
In order to achieve the above object, a third aspect of the present invention provides a cross-border payment apparatus, applied to a banking node, including:
the bank node receiving module is used for receiving the transaction information of the remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account;
The bank node joining module is used for joining block chain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node;
and the bank node transaction module is used for selling accounts of the remittance transaction parties in a point-to-point mode according to pre-agreed intelligent contracts in the blockchain network.
In order to achieve the above object, a fourth aspect of the present invention provides a cross-border payment apparatus, applied to a cross-border payment system node, including:
the system node receiving module is used for receiving the transaction information of the remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account;
and the system node joining module is used for joining a banking node corresponding to a transaction bank into a blockchain cross-border money transfer business transaction so that the transaction banking node can sell accounts of a money transfer transaction party in a point-to-point mode according to a pre-agreed intelligent contract in the blockchain network.
The invention has the following advantages:
according to the cross-border payment method provided by the invention, the bank node receives the transaction information of the remittance transaction party node; the system comprises a sender node, a receiver node, a sender node and a receiver node, wherein the sender node is the receiver node, the transaction information is payment transaction information, and the payment transaction information comprises an account-out bank, an account-out account, a blockchain identifier of the receiver node and a transfer amount; and/or, the remittance transaction party node is a receiving party node, the transaction information is receiving transaction information, and the receiving transaction information comprises a checking-in bank and a checking-in account; adding block chain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node; the accounts of remittance transaction parties are sold in a point-to-point mode according to the pre-agreed intelligent contracts in the blockchain network, so that the cross-border payment process can be simplified, meanwhile, the payment of high transfer fees is avoided, the use experience of users is improved, and the development of foreign exchange business is promoted.
Drawings
The accompanying drawings are included to provide a further understanding of the invention, and are incorporated in and constitute a part of this specification, illustrate the invention and together with the description serve to explain, without limitation, the invention.
Fig. 1 is a flowchart of a cross-border payment method according to a first embodiment of the present invention;
FIG. 2 is a flowchart of a cross-border payment method according to a second embodiment of the present invention;
FIG. 3 is a flowchart of a cross-border payment method according to a third embodiment of the present invention;
FIG. 4 is a flowchart of a cross-border payment method according to a fourth embodiment of the present invention;
FIG. 5 is a flowchart of a cross-border payment method according to a fifth embodiment of the present invention;
fig. 6 is a schematic block diagram of a cross-border payment device according to a sixth embodiment of the present invention;
fig. 7 is a schematic block diagram of a cross-border payment device according to a seventh embodiment of the present invention.
Detailed Description
The following describes specific embodiments of the present invention in detail with reference to the drawings. It should be understood that the detailed description and specific examples, while indicating and illustrating the invention, are not intended to limit the invention.
According to the cross-border payment method and device provided by the embodiment of the invention, account opening is needed between banks in consideration of the current cross-border payment scheme, and transaction and fund clearing are carried out through the account opening between banks, so that the payment flow is complex. Moreover, if there is a transaction dispute in the cross-border payment, multiple settlement needs to be performed between the banks of both sides of the transaction and the transfer bank, resulting in low payment efficiency. In addition, each national participant bank needs to pay a high transfer fee from the transfer bank. Therefore, a novel cross-border payment method and device are provided, point-to-point sales are carried out on an account and an account, no account is needed to be opened between a bank corresponding to the account and a bank corresponding to the account, so that a cross-border payment process can be simplified, a transfer bank is not needed to be introduced, high transfer fees can be prevented from being paid, user experience is improved, and foreign exchange business development is promoted.
Fig. 1 is a flowchart of a cross-border payment method according to a first embodiment of the present invention, which is applied to a banking node. As shown in fig. 1, the cross-border payment method may include the steps of:
step S101, receiving transaction information of a remittance transaction party node.
The remittance transaction party node comprises a payment party node and a collection party node, correspondingly, the transaction information comprises payment transaction information and collection transaction information, the payment transaction information comprises but is not limited to an account discharging bank, an account discharging account, a blockchain identification of the payment party node, a blockchain identification of the collection party node and a transfer amount, and the collection transaction information comprises but is not limited to an account discharging bank and an account discharging account.
To achieve cross-border payment, a cross-border payment blockchain is built based on the money transfer transaction party node, the bank node, the administrative department node and the cross-border payment system node. In practical use, in order to consider the decentralization characteristic of the blockchain and the security of the corresponding mechanism or system of the node, the cross-border payment blockchain can be set into a alliance chain form according to the authority of the node to form a benefit-related alliance, and the healthy operation of the cross-border payment blockchain is commonly maintained. The money transfer transaction party node is a client node, comprises a sender node and a receiver node, wherein the corresponding entity comprises a person and/or an enterprise, and any client node can join the blockchain network to become the money transfer transaction party node when meeting the admission condition preset by the blockchain network; the bank node is one of important participants of cross-border money transfer business transaction, but the bank node does not conduct payment message processing work any more, the function of the bank node is converted into system planning of a blockchain network, including intelligent contract setting, node admission, authority management and control and the like, and meanwhile, the bank node also provides diversified financial services such as account management, client credit giving, deposit and financial management and the like for a client group; the supervision part nodes comprise various cross-border transaction supervision mechanisms of various countries, and are different from the traditional cross-border payment system in that the supervision mechanism is used for mastering the cross-border payment information and completely depends on the execution condition and the self-discipline degree of banks, and in the blockchain network, the supervision mechanism is used as one of the participants and has the authority of retrieving specific cross-border transaction information and also has the blacklist function, so that the cross-border payment system can only accept client nodes and/or bank nodes which are beyond the blacklist and meet the admission requirements, thereby reducing the supervision cost and improving the processing efficiency; the cross-border payment system nodes are nodes of the cross-border payment system in the blockchain network, and the cross-border payment system can realize the interaction of information among nodes with different authorities in the blockchain network. It can be appreciated that the cross-border payment system and/or the cross-border payment blockchain network needs to delegate specialized operation and maintenance mechanisms to be responsible for daily operation and maintenance of the cross-border payment system and/or the cross-border payment blockchain network, and provide blockchain technical maintenance services such as parameter maintenance, technical support, system construction and the like. In order to ensure information security, the operation and maintenance mechanism is determined by all banking nodes in the alliance. The operation and maintenance mechanism is used as a provider of the blockchain technical service, does not participate in a transaction link, does not have transaction information access rights, and can only retrieve configuration data of the processing system, and encrypted transaction information and contract information, so that the risk of leakage and theft of the transaction information is greatly reduced.
In one embodiment, a payer node initiates a point-to-point cross-border money transfer business transaction to a payee node, signs payment transaction information using a private key of the payer node, and then broadcasts the payment transaction information in a blockchain network; the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of a payer node, a blockchain identification of a payee node and a transfer amount. And after the payee node receives the payment transaction information of the payer node and acquires that the blockchain identifier of the payee node is the blockchain identifier of the payee node, signature verification is carried out on the payment transaction information. Specifically, the payee node queries the blockchain ledger to obtain the public key of the payer node, and uses the public key of the payer node to perform signature verification on payment transaction information. After the payment transaction information passes the signature verification, the payee node confirms that the payee node is the payee, designates an account bank and an account, generates the payment transaction information, and broadcasts the payment transaction information in the blockchain network. The corresponding banking node receives transaction information to participate in a blockchain cross-border money transfer transaction based on the transaction information.
Step S102, adding block chain cross-border remittance business transaction according to the transaction information of the remittance transaction party node.
In one embodiment, after receiving the corresponding payment transaction information and the collection transaction information, the cross-border payment system node automatically triggers the corresponding payment bank node and the corresponding collection bank node to participate in the blockchain cross-border money transfer business transaction according to the payment transaction information of the payer node and the collection transaction information of the payee node.
Step S103, the accounts of the remittance transaction parties are posted in a point-to-point mode according to a pre-agreed intelligent contract in the blockchain network.
Wherein a smart contract is a set of digitally defined commitments, and agreement of contract participants to execute the commitments. When the conditions of the smart contract commitments are met, the participants of the smart contract may execute the commitments committed in the smart contract in accordance with the associated agreement.
In one embodiment, in a cross-border payment blockchain constructed based on a money transfer transaction party node, a bank node, a supervision department node and a cross-border payment system node, the operations of adding, modifying and deleting the intelligent contract can be initiated by a certain bank node in the alliance to apply, and whether the operations are effective or not is determined according to voting results of all the bank nodes in the alliance. Typically, the blockchain administrator will preset a vote count threshold, and for a certain smart contract (or operation of the smart contract), when the number of votes returned by all banks in the federation exceeds the vote count threshold, the smart contract (or operation of the smart contract) is determined to be effective.
In conventional payment transactions, an account needs to be opened between an account-entering bank node and an account-exiting bank node, and transactions are performed through the opened account. Specifically, after receiving a payment request from a payment party node, the payment bank node needs to open an account opening bank account, transfer funds from the account opening bank account to an account opening bank account opened by the payment party node, and transfer the funds from the account opening bank account to an account opening bank account opened by the account opening bank node. After receiving the transfer funds, the account bank of the account bank node transfers the transfer funds from the account bank account to the account of the payee node. Therefore, the transaction involves two types of accounts (respectively, a personal account and a bank account), at least comprising four accounts, namely an account-out account of a payer node, an account-out bank account-out account, an account-in account of a payee node and an account-in bank account-out account; the account of the payer node and the account of the payee node are personal accounts, and the account bank account are bank account. The sales of payment transaction is completed based on the four accounts, including the transfer link of the internal and external accounts of the bank, and the payment flow is complex. If the transaction is a cross-border payment transaction, a transfer bank is generally required to be introduced, and a folio account is also required to be opened at a transfer bank node, and payment and sales operations relate to an account-out account of a payment party node, an account-out bank folio account, an account-in account of a collection party node, an account-in bank folio account and a folio account of a transfer bank node, which results in more complex payment flow and more complicated sales. Furthermore, the entry banking node and/or the exit banking node may pay a high transfer fee to the transfer banking node.
According to the cross-border payment method provided by the embodiment, the accounts of the remittance transaction party are directly subjected to sales, namely, the account outgoing account of the payment party node and the account incoming account of the payment party node are subjected to sales, the bank node is not required to open the account for folio, and the transfer bank is not required to be introduced, so that the transfer link of the internal and external accounts of the bank is omitted, the payment flow is simplified, and meanwhile, the transfer cost can be saved.
In one embodiment, a banking node debits an account of a money transfer transaction party in a point-to-point manner in a blockchain network according to a pre-agreed intelligent contract, comprising:
before joining the blockchain cross-border remittance business transaction, the bank node firstly generates an intelligent contract based on the payment and confirms whether the intelligent contract is effective. When the intelligent contract is determined to be in an effective state, the account-out bank node and the account-in bank node sell account-out accounts and account-in accounts in a point-to-point mode according to the pre-agreed intelligent contract, the account-out bank node and the account-in bank node are not required to be opened for account opening, and a transfer bank is not required to be introduced, so that a transfer link of internal and external accounts of the bank is omitted, and the payment transaction flow is simplified.
In one embodiment, validating whether the smart contract is valid comprises:
the method comprises the steps that an account-issuing bank node generates an intelligent contract for the cross-border payment transaction, a private key of the account-issuing bank node is used for signing the intelligent contract, an intelligent contract request message is generated, and broadcasting is carried out in a blockchain network. And after receiving the intelligent contract request message, the accounting bank node determines whether to agree with the intelligent contract, and when agreeing with the intelligent contract, the accounting bank node uses the private key of the accounting bank node to sign the intelligent contract request message for the second time, generates an intelligent contract intermediate request message and broadcasts the intelligent contract intermediate request message in the blockchain network. After receiving the intelligent contract intermediate request message, the cross-border payment system node performs signature verification on the intelligent contract intermediate request message, and when the intelligent contract intermediate request message passes the signature verification, the private key of the cross-border payment system node is used for signing the intelligent contract intermediate request message, so as to generate an intelligent contract effective request message, and broadcasting is performed in the blockchain network. And after receiving the intelligent contract validation request message, the bank node in the alliance performs voting, and returns a voting result to the cross-border payment system node. And after the majority of all the banking nodes in the alliance vote to pass, generating the effective information of the intelligent contract, and broadcasting the effective information of the intelligent contract in the blockchain network. And the issuing bank node receives the effective information of the intelligent contract, and determines the effective state of the intelligent contract.
Fig. 2 is a flowchart of a cross-border payment method according to a second embodiment of the present invention, which is applied to a banking node, and is basically the same as the first embodiment of the present invention, except that: the issuing bank node obtains the effective information of the intelligent contract before the cross-border transaction. As shown in fig. 2, the cross-border payment method may include the steps of:
step S201, broadcasting an intelligent contract request message in the blockchain network.
Wherein the smart contract request message includes one or more of an add smart contract request message, a modify smart contract request message, and a delete smart contract request message.
In one embodiment, an accounting bank node generates an intelligent contract based on the payment according to transaction information, signs the intelligent contract by using a private key of the accounting bank node, generates an intelligent contract request message, and then broadcasts the intelligent contract request message in a blockchain network.
Step S202, receiving the effective information of the intelligent contract.
The effective information of the intelligent contract is information generated after the majority of all banking nodes in the alliance vote to pass through.
In one embodiment, after broadcasting the intelligent contract request message in the blockchain network, the billing bank node receives the intelligent contract request message and determines whether to agree to the intelligent contract. When the accounting bank node agrees to the intelligent contract, the private key of the accounting bank node is used for carrying out secondary signature on the intelligent contract request message, generating an intelligent contract intermediate request message, and then broadcasting the intelligent contract intermediate request message in the blockchain network. And the cross-border payment system node receives the intelligent contract intermediate request message, performs signature verification on the intelligent contract intermediate request message, performs three-time signature on the intelligent contract intermediate request message by using a private key of the cross-border payment system node after the intelligent contract intermediate request message passes the signature verification, generates an intelligent contract validation request message, and broadcasts the intelligent contract validation request message in the blockchain network. And the bank node in the alliance receives the intelligent contract validation request message, votes, and then returns a voting result to the cross-border payment system node. And after the majority of all the banking nodes in the alliance vote, generating effective information of the intelligent contract by the cross-border payment system node, and broadcasting the effective information of the intelligent contract in the blockchain network. The issuing bank node receives an intelligent contract validation message sent by the cross-border payment system node, and accordingly the intelligent contract is determined to be a valid contract.
Step S203, receiving transaction information of a remittance transaction party node.
Step S203 in the present embodiment is the same as step S101 in the first embodiment of the present invention, and will not be described herein.
Step S204, adding the block chain cross-border remittance business transaction according to the transaction information of the remittance transaction party node.
Step S204 in the present embodiment is the same as step S102 in the first embodiment of the present invention, and will not be described herein.
In step S205, accounts of remittance transaction parties are debited in a point-to-point manner in a blockchain network according to a pre-agreed intelligent contract.
Step S205 in the present embodiment is the same as step S103 in the first embodiment of the present invention, and will not be described here again.
Fig. 3 is a flowchart of a cross-border payment method according to a third embodiment of the present invention, which is applied to a banking node, and is basically the same as the first embodiment of the present invention, except that: before cross-border transaction, the check-in bank node cooperates with the check-out bank node to acquire effective information of the intelligent contract. As shown in fig. 3, the cross-border payment method may include the steps of:
step S301, an intelligent contract request message initiated by an accounting bank node is received.
The intelligent contract request message is a message generated after signing the intelligent contract by using a private key of an outbound bank node.
In one embodiment, the issuing bank node generates an intelligent contract, signs the intelligent contract using the private key of the issuing bank node to generate an intelligent contract request message, and then broadcasts in the blockchain network. And the check-in bank node receives the intelligent contract request message initiated by the check-out bank node.
Step S302, the private key of the accounting bank node is utilized to sign the intelligent contract request message for the second time, and the intelligent contract intermediate request message is generated.
In one embodiment, after the check-in banking node receives the intelligent contract request message initiated by the check-out banking node, it is first confirmed whether the intelligent contract is agreed. When the accounting bank node agrees to the intelligent contract, the private key of the accounting bank node is used for carrying out secondary signature on the intelligent contract request message, and the intelligent contract intermediate request message is generated.
Step S303, broadcasting an intelligent contract intermediate request message in the blockchain network.
In one embodiment, after the accounting banking node generates the intelligent contract intermediate request message, the intelligent contract intermediate request message is broadcast in the blockchain network for the cross-border payment system node to receive the intelligent contract intermediate request message and determine whether the intelligent contract is valid.
Step S304, receiving transaction information of a remittance transaction party node.
Step S304 in the present embodiment is the same as step S101 in the first embodiment of the present invention, and will not be described herein.
Step S305, adding the blockchain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node.
Step S305 in the present embodiment is the same as step S102 in the first embodiment of the present invention, and will not be described herein.
Step S306, the accounts of the remittance transaction parties are posted in a point-to-point manner in the blockchain network according to a pre-agreed intelligent contract.
Step S306 in the present embodiment is the same as step S103 in the first embodiment of the present invention, and will not be described here again.
Fig. 4 is a flowchart of a cross-border payment method according to a fourth embodiment of the present invention, which is applied to a cross-border payment system node. As shown in fig. 4, the cross-border payment method may include the steps of:
step S401, receiving transaction information of a remittance transaction party node.
The remittance transaction party node comprises a payment party node and a collection party node, correspondingly, the transaction information comprises payment transaction information and collection transaction information, the payment transaction information comprises but is not limited to an account discharging bank, an account discharging account, a blockchain identification of the payment party node, a blockchain identification of the collection party node and a transfer amount, and the collection transaction information comprises but is not limited to an account discharging bank and an account discharging account.
In one embodiment, a cross-border payment blockchain is constructed based on the money transfer transaction party node, the banking node, the regulatory agency node, and the cross-border payment system node. The payer node initiates a cross-border money transfer business transaction in a point-to-point form to the payee node, the payer node generates payment transaction information, the payee node correspondingly generates the payment transaction information, and the payment transaction information are broadcast in the blockchain network respectively. The cross-border payment system node receives payment transaction information broadcast by the payer node and collection transaction information broadcast by the payee node.
Step S402, adding the corresponding banking node of the transaction bank into the blockchain cross-border money transfer business transaction for the transaction banking node to sell the account of the money transfer transaction party in a point-to-point mode according to the pre-agreed intelligent contract in the blockchain network.
In one embodiment, after the cross-border payment system node receives the payment transaction information broadcast by the payer node, the accounting bank node can be obtained according to the payment transaction information, and the accounting bank node is triggered to join in the cross-border remittance business transaction. Similarly, after the cross-border payment system node receives the collection transaction information broadcast by the collection party node, the check-in bank node can be obtained according to the collection transaction information, and the check-in bank node is triggered to join in the cross-border money transfer business transaction. After the account-out bank node and the account-in bank node join in cross-border remittance business transaction, the account-out account and the account-in account are sold in a point-to-point mode according to a pre-agreed intelligent contract, so that the bank node can be prevented from opening a folio account, a folio link of an internal account and an external account of a bank is omitted, and the payment flow is simplified; meanwhile, the introduction of a transfer bank is avoided, so that transfer cost can be saved.
It can be understood that after the outbound bank node and the inbound bank node sell the outbound account and the inbound account in a point-to-point manner, the cross-border payment system node notifies the payer node and the payee node that the transaction is successful.
Fig. 5 is a flowchart of a cross-border payment method according to a fifth embodiment of the present invention, which is applied to a cross-border payment system node, and is basically the same as the fourth embodiment of the present invention, except that: before joining the transaction banking node to the cross-border transaction, determining whether the intelligent contract is effective, and feeding back effective information of the intelligent contract to the transaction banking node when the intelligent contract is determined to be effective. As shown in fig. 5, the cross-border payment method may include the steps of:
step S501, receiving an intelligent contract intermediate request message broadcasted by an accounting banking node.
The intelligent contract intermediate request message is generated after the accounting bank node performs secondary signature on the intelligent contract request message initiated by the accounting bank node according to the private key of the accounting bank node; the intelligent contract request message is a message generated after the issuing bank node signs the intelligent contract by using a private key of the issuing bank node.
In one embodiment, an accounting bank node generates an intelligent contract based on the payment according to transaction information, signs the intelligent contract by using a private key of the accounting bank node, generates an intelligent contract request message, and then broadcasts the intelligent contract request message in a blockchain network. The posting bank node receives the smart contract request message and determines whether to agree to the smart contract. When the accounting bank node agrees to the intelligent contract, the private key of the accounting bank node is used for carrying out secondary signature on the intelligent contract request message, generating an intelligent contract intermediate request message, and then broadcasting the intelligent contract intermediate request message in the blockchain network. The cross-border payment system node receives an intelligent contract intermediate request message broadcast by an entry banking node.
Step S502, the private key of the cross-border payment system node is utilized to sign the intelligent contract intermediate request message three times, and the intelligent contract effective request message is generated.
In one embodiment, a cross-border payment system node receives an intelligent contract intermediate request message and verifies a signature of the intelligent contract intermediate request message. When the signature verification of the intelligent contract intermediate request message is passed, the private key of the cross-border payment system node is used for signing the intelligent contract intermediate request message three times (the first signature is that the issuing bank node signs the intelligent contract by using the private key of the issuing bank node to generate the intelligent contract request message, the second signature is that the issuing bank node signs the intelligent contract request message by using the private key of the issuing bank node to generate the intelligent contract intermediate request message), the intelligent contract validation request message is generated, and the intelligent contract validation request message is broadcasted in the blockchain network.
Step S503, broadcasting an intelligent contract validation request message in the blockchain network.
After the cross-border payment system node generates the intelligent contract validation request message, broadcasting the intelligent contract validation request message in the blockchain network so that the bank node in the blockchain can receive the intelligent contract validation request message and return a voting result.
Step S504, receiving the voting result returned by the bank node in the alliance.
In one embodiment, a banking node within the federation receives an intelligent contract validation request message broadcast in the blockchain network by a cross-border payment system node, then votes, generates a voting result, and returns the voting result to the cross-border payment system node. The voting result comprises pass and fail, specifically, the voting result is pass when the bank node agrees with the intelligent contract, and the voting result is fail when the bank node disagrees with the intelligent contract.
In step S505, when all the banking nodes in the federation vote for a half of the passes, the validation information of the intelligent contract is generated.
In one embodiment, when more than half of the banking nodes pass in the voting results returned by all the banks in the federation, the intelligent contract is determined to be an effective contract, and effective information of the intelligent contract is generated.
It will be appreciated that the vote count threshold may also be preset, and that when the number of votes passed by the banking node is greater than the vote count threshold, a contract is determined for which the intelligent contract is valid.
In step S506, validation information of the smart contract is broadcast in the blockchain network.
After generating the validation information of the intelligent contract, the cross-border payment system node broadcasts the validation information of the intelligent contract in the blockchain network so that other nodes in the blockchain network can acquire the validation state of the intelligent contract.
Step S507, receiving transaction information of a money transfer transaction party node.
Step S507 in the present embodiment is the same as step S401 in the first embodiment of the present invention, and will not be described herein.
Step S508, joining the corresponding banking node of the transaction bank into the blockchain cross-border money transfer business transaction for the transaction banking node to sell the account of the money transfer transaction party in a point-to-point mode according to the pre-agreed intelligent contract in the blockchain network.
Step S508 in the present embodiment is the same as step S402 in the first embodiment of the present invention, and will not be described herein.
The above steps of the methods are divided, for clarity of description, and may be combined into one step or split into multiple steps when implemented, so long as they include the same logic relationship, and they are all within the protection scope of this patent; it is within the scope of this patent to add insignificant modifications to the algorithm or flow or introduce insignificant designs, but not to alter the core design of its algorithm and flow.
Fig. 6 is a schematic block diagram of a cross-border payment device according to a sixth embodiment of the present invention, which is applied to a banking node. As shown in fig. 6, the cross-border payment apparatus includes: a banking node receiving module 601, a banking node joining module 602 and a banking node transaction module 603.
The bank node receiving module 601 is configured to receive transaction information of a money transfer transaction party node.
The remittance transaction party node comprises a payment party node and a collection party node, correspondingly, the transaction information comprises payment transaction information and collection transaction information, the payment transaction information comprises but is not limited to an account discharging bank, an account discharging account, a blockchain identification of the payment party node, a blockchain identification of the collection party node and a transfer amount, and the collection transaction information comprises but is not limited to an account discharging bank and an account discharging account.
In one embodiment, a payer node initiates a point-to-point cross-border money transfer business transaction to a payee node, signs payment transaction information using a private key of the payer node, and then broadcasts the payment transaction information in a blockchain network; the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of a payer node, a blockchain identification of a payee node and a transfer amount. And after the payee node receives the payment transaction information of the payer node and acquires that the blockchain identifier of the payee node is the blockchain identifier of the payee node, signature verification is carried out on the payment transaction information. Specifically, the payee node queries the blockchain ledger to obtain the public key of the payer node, and uses the public key of the payer node to perform signature verification on payment transaction information. After the payment transaction information passes the signature verification, the payee node confirms that the payee node is the payee, designates an account bank and an account, generates the payment transaction information, and broadcasts the payment transaction information in the blockchain network. The corresponding banking node receives the transaction information via the banking node receiving module 601 to participate in the blockchain cross-border money transfer transaction based on the transaction information.
The bank node joining module 602 is configured to join the blockchain cross-border money transfer service transaction according to the transaction information of the money transfer transaction party node.
In one embodiment, after receiving the corresponding payment transaction information and the collection transaction information, the cross-border payment system node automatically triggers the corresponding payment bank node and the corresponding collection bank node according to the payment transaction information of the payer node and the collection transaction information of the payee node, and the payment bank node and the collection bank node participate in the blockchain cross-border money transfer business transaction through the bank node joining module 602.
The banking node transaction module 603 is configured to sell accounts of remittance transaction parties in a peer-to-peer manner according to predefined intelligent contracts in the blockchain network.
Wherein a smart contract is a set of digitally defined commitments, and agreement of contract participants to execute the commitments. When the conditions of the smart contract commitments are met, the participants of the smart contract may execute the commitments committed in the smart contract in accordance with the associated agreement.
In one embodiment, the banking node, via banking node transaction module 603, debits the account of the money transfer transaction party in a point-to-point manner in a blockchain network according to a pre-agreed intelligent contract, comprising:
Before joining the blockchain cross-border remittance business transaction, the bank node firstly generates an intelligent contract based on the payment and confirms whether the intelligent contract is effective. When the intelligent contract is determined to be in an effective state, the account-out bank node and the account-in bank node are used for selling account-out accounts and account-in accounts in a point-to-point mode according to the pre-agreed intelligent contract through the bank node transaction module 603, the account-out bank node and the account-in bank node are not required to be opened for account opening, and a transfer bank is not required to be introduced, so that a transfer link of internal and external accounts of the bank is omitted, and the payment transaction flow is simplified.
In one embodiment, the operations of adding, modifying and deleting the intelligent contract can be initiated by a certain bank node in the alliance, and whether the operations are effective or not is determined according to the voting results of all the bank nodes in the alliance. Specifically, the issuing bank node generates an intelligent contract for the cross-border payment transaction, signs the intelligent contract by using a private key of the issuing bank node, generates an intelligent contract request message, and broadcasts the intelligent contract request message in the blockchain network. And after receiving the intelligent contract request message, the accounting bank node determines whether to agree with the intelligent contract, and when agreeing with the intelligent contract, the accounting bank node uses the private key of the accounting bank node to sign the intelligent contract request message for the second time, generates an intelligent contract intermediate request message and broadcasts the intelligent contract intermediate request message in the blockchain network. After receiving the intelligent contract intermediate request message, the cross-border payment system node performs signature verification on the intelligent contract intermediate request message, and when the intelligent contract intermediate request message passes the signature verification, the private key of the cross-border payment system node is used for signing the intelligent contract intermediate request message, so as to generate an intelligent contract effective request message, and broadcasting is performed in the blockchain network. And after receiving the intelligent contract validation request message, the bank node in the alliance performs voting, and returns a voting result to the cross-border payment system node. And after the majority of all the banking nodes in the alliance vote to pass, generating the effective information of the intelligent contract, and broadcasting the effective information of the intelligent contract in the blockchain network. And the issuing bank node receives the effective information of the intelligent contract, and determines the effective state of the intelligent contract.
Fig. 7 is a schematic block diagram of a cross-border payment device according to a seventh embodiment of the present invention, which is applied to a cross-border payment system node. As shown in fig. 7, the cross-border payment apparatus includes: a system node receiving module 701 and a system node joining module 702.
The system node receiving module 701 is configured to receive transaction information of a money transfer transaction party node.
The remittance transaction party node comprises a payment party node and a collection party node, correspondingly, the transaction information comprises payment transaction information and collection transaction information, the payment transaction information comprises but is not limited to an account discharging bank, an account discharging account, a blockchain identification of the payment party node, a blockchain identification of the collection party node and a transfer amount, and the collection transaction information comprises but is not limited to an account discharging bank and an account discharging account.
In one embodiment, a cross-border payment blockchain is constructed based on the money transfer transaction party node, the banking node, the regulatory agency node, and the cross-border payment system node. The payer node initiates a cross-border money transfer business transaction in a point-to-point form to the payee node, the payer node generates payment transaction information, the payee node correspondingly generates the payment transaction information, and the payment transaction information are broadcast in the blockchain network respectively. The cross-border payment system node receives payment transaction information broadcast by the payer node and collection transaction information broadcast by the payee node through the system node receiving module 701.
The system node joining module 702 is configured to join a banking node corresponding to a transaction bank into a blockchain cross-border money transfer service transaction, so that the transaction banking node can sell an account of a money transfer transaction party in a point-to-point manner according to a predetermined intelligent contract in a blockchain network.
In one embodiment, after the cross-border payment system node receives the payment transaction information broadcast by the payer node, the accounting bank node may be known according to the payment transaction information, and the accounting bank node may be triggered to join the cross-border remittance service transaction by the system node joining module 702. Similarly, after the cross-border payment system node receives the collection transaction information broadcast by the payee node, the check-in bank node can be known according to the collection transaction information, and the system node joining module 702 triggers the check-in bank node to join in the cross-border remittance service transaction. After the account-out bank node and the account-in bank node join in cross-border remittance business transaction, the account-out account and the account-in account are sold in a point-to-point mode according to a pre-agreed intelligent contract, so that the bank node can be prevented from opening a folio account, a folio link of an internal account and an external account of a bank is omitted, and the payment flow is simplified; meanwhile, the introduction of a transfer bank is avoided, so that transfer cost can be saved.
It can be understood that after the outbound bank node and the inbound bank node sell the outbound account and the inbound account in a point-to-point manner, the cross-border payment system node notifies the payer node and the payee node that the transaction is successful.
It should be noted that each module in this embodiment is a logic module, and in practical application, one logic unit may be one physical unit, or may be a part of one physical unit, or may be implemented by a combination of multiple physical units. In addition, in order to highlight the innovative part of the present invention, units that are not so close to solving the technical problem presented by the present invention are not introduced in the present embodiment, but this does not indicate that other units are not present in the present embodiment.
It is to be understood that the above embodiments are merely illustrative of the application of the principles of the present invention, but not in limitation thereof. Various modifications and improvements may be made by those skilled in the art without departing from the spirit and substance of the invention, and are also considered to be within the scope of the invention.
Claims (9)
1. A cross-border payment method applied to a banking node, comprising:
receiving transaction information of a remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a payee party node, the transaction information is cash transaction information, the cash transaction information comprises a check-in bank and a check-out account, the check-out account is a personal account applied by the payer party node at the check-out bank, and the check-out account is a personal account applied by the payee party node at the check-in bank;
adding a blockchain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node;
and (3) marketing accounts of the remittance transaction parties in a point-to-point mode according to pre-agreed intelligent contracts in a blockchain network.
2. The cross-border payment method of claim 1, wherein prior to receiving transaction information for the money transfer transaction party node, further comprising:
Broadcasting an intelligent contract request message in the blockchain network;
receiving validation information of the intelligent contract; the effective information of the intelligent contract is information generated after the majority of all banking nodes in the alliance vote to pass through.
3. The cross-border payment method of claim 2, wherein prior to broadcasting the smart contract request message in the blockchain network, further comprising:
and signing the intelligent contract by using a private key of the issuing bank node to generate the intelligent contract request message.
4. The cross-border payment method of claim 2, wherein prior to receiving validation information of the smart contract, further comprising:
receiving the intelligent contract request message initiated by the outbound banking node;
performing secondary signature on the intelligent contract request message by using a private key of an accounting bank node to generate an intelligent contract intermediate request message;
broadcasting the smart contract intermediate request message in the blockchain network.
5. The cross-border payment method of any one of claims 2 to 4, wherein the smart contract request message includes one or more of an add smart contract request message, a modify smart contract request message, and a delete smart contract request message.
6. A cross-border payment method applied to a cross-border payment system node, comprising:
receiving transaction information of a node of a remittance transaction party, adding a banking node corresponding to a transaction bank into a blockchain cross-border remittance business transaction, and enabling the transaction banking node to sell accounts of the remittance transaction party in a blockchain network in a point-to-point mode according to a pre-agreed intelligent contract; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a payee party node, the transaction information is cash register transaction information, the cash register transaction information comprises a cash register bank and a cash register account, the bank node comprises a cash register bank node corresponding to the payer party node and a cash register bank node corresponding to the payee party node, the cash register account is a personal account applied by the payer party node at the cash register bank, and the cash register account is a personal account applied by the payee party node at the cash register bank.
7. The cross-border payment method as claimed in claim 6, wherein the receiving the transaction information of the money transfer transaction party node, before joining the banking node corresponding to the transaction bank to the blockchain cross-border money transfer service transaction, further comprises:
receiving an intelligent contract intermediate request message broadcast by the posting bank node; the intelligent contract intermediate request message is generated after the accounting bank node performs secondary signature on the intelligent contract request message initiated by the accounting bank node according to the private key of the accounting bank node; the intelligent contract request message is a message generated after the issuing bank node signs the intelligent contract by using a private key of the issuing bank node;
signing the intelligent contract intermediate request message for three times by utilizing the private key of the cross-border payment system node to generate an intelligent contract effective request message;
broadcasting the smart contract validation request message in the blockchain network;
receiving a voting result returned by a bank node in the alliance;
when the majority of all the banking nodes in the alliance pass through the voting, generating effective information of the intelligent contract;
The validation information of the smart contract is broadcast in the blockchain network.
8. A cross-border payment device for use in a banking node, comprising:
the bank node receiving module is used for receiving the transaction information of the remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a payee party node, the transaction information is cash transaction information, the cash transaction information comprises a check-in bank and a check-out account, the check-out account is a personal account applied by the payer party node at the check-out bank, and the check-out account is a personal account applied by the payee party node at the check-in bank;
the bank node joining module is used for joining block chain cross-border money transfer business transaction according to the transaction information of the money transfer transaction party node;
and the bank node transaction module is used for selling accounts of remittance transaction parties in a point-to-point mode according to pre-agreed intelligent contracts in the blockchain network.
9. A cross-border payment device for use in a cross-border payment system node, comprising:
the system node receiving module is used for receiving the transaction information of the remittance transaction party node; the money transfer transaction party node is a payment party node, the transaction information is payment transaction information, and the payment transaction information comprises an account issuing bank, an account issuing account, a blockchain identification of the payment party node, a blockchain identification of a payee party node and a transfer amount; and/or the remittance transaction party node is a payee party node, the transaction information is cash transaction information, the cash transaction information comprises a check-in bank and a check-out account, the check-out account is a personal account applied by the payer party node at the check-out bank, and the check-out account is a personal account applied by the payee party node at the check-in bank;
the system node joining module is used for joining a banking node corresponding to a transaction bank into a blockchain cross-border money transfer business transaction so that the transaction banking node can sell accounts of money transfer transaction parties in a blockchain network in a point-to-point mode according to a pre-agreed intelligent contract; the bank nodes comprise an outbound bank node corresponding to the payer node and an inbound bank node corresponding to the payee node.
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