CN107392584B - Cross-border payment system and cross-border payment method based on block chain payment system - Google Patents
Cross-border payment system and cross-border payment method based on block chain payment system Download PDFInfo
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- CN107392584B CN107392584B CN201710604993.7A CN201710604993A CN107392584B CN 107392584 B CN107392584 B CN 107392584B CN 201710604993 A CN201710604993 A CN 201710604993A CN 107392584 B CN107392584 B CN 107392584B
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
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Abstract
The application provides a cross-border payment system and a cross-border payment method based on a block chain payment system, wherein the payment method comprises the following steps: the account management bank receives a first funding request sent by the common bank, enables the funding bank entity account to inject funding amount into the entity hosting account of the account management bank according to the first funding request, and updates a funding result to the block chain network; the block chain network enables the block chain escrow account of the account management line to inject the funding amount into the block chain account of the funding line according to the funding result; and the block chain network receives a transfer request sent by a common bank through the block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers the transfer amount of a remittance block chain account to a receiving bank block chain account according to the transfer request if the voting passes, and sends a payment message to the receiving bank. Through the technical scheme, when cross-border payment among banks is participated, point-to-point payment is directly realized without a proxy bank, and fund transfer among banks is completed in real time through a block chain.
Description
Technical Field
The application belongs to the field of block chain payment, and particularly relates to a cross-border payment system and a cross-border payment method based on the block chain payment system.
Background
At present, cross-border payment service is based on SWIFT agent mode, has the characteristic of centralization, and one or more agent banks exist in the payment process and complete transaction by taking third-party systems such as SWIFT and the like as intermediaries. The payment mode based on the SWIFT proxy mode has the following defects:
1. the current service mode of cross-border payment service leads to long payment path and low payment efficiency due to the fact that the service mode passes through a plurality of agent banks;
2. since the remittance bank and the collection bank may have time difference with the agent bank or the agent bank is on holidays, the time consumption of cross-border payment is increased.
3. The customer remittance needs to pay the expense to the agent bank, which causes high expense cost;
4. based on the SWIFT agent mode, the account is cancelled through the statement at the end of the day, and the account is cancelled one time a day, so that the cancellation efficiency is low.
5. The remittance can not know the transaction state in time, SWIFT is developing the step-by-step feedback through GPI service to realize the query service at present, but the time consumption exists, and the real-time query can not be realized.
Disclosure of Invention
In order to solve the technical problem, the application provides a cross-border payment method based on a blockchain payment system, wherein the blockchain payment system comprises a blockchain network, a blockchain payment gateway and a blockchain network management system; wherein the blockchain network comprises a plurality of blockchain nodes; the block chain payment gateway is connected with block chain nodes for accessing a block chain network management system and a participating bank payment system; the block chain network management system receives and audits an account opening request sent by a participation row, after the audit is passed, the participation row is given a common row or an account management row, a block chain hosting account is established in the block chain network for the account management row, and a block chain account is established in the block chain network for the common row;
the payment method comprises the following steps: the method comprises the steps that an account management bank receives a first funding request sent by a common bank, enables a funding bank entity account to inject funding amount into an entity hosting account of the account management bank according to the first funding request, and updates funding results to a block chain network, wherein the funding bank entity account is opened in advance in the account management bank by a funding bank and has deposit; the block chain network enables the block chain escrow account of the account management line to inject the funding amount into the block chain account of the funding line according to the funding result;
and the block chain network receives a transfer request sent by a common bank through the block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers the transfer amount of a remittance block chain account to a receiving bank block chain account according to the transfer request if the voting passes, and simultaneously sends a payment message to the receiving bank.
The present application further provides a cross border payment system, comprising: a block chain payment system and a participating bank payment system;
the block chain payment system comprises a block chain network, a block chain payment gateway and a block chain network management system;
the blockchain network comprises a plurality of blockchain nodes; the block chain payment gateway is connected with block chain nodes for accessing a block chain network management system and a payment system of a participating bank; the block chain network management system receives and audits an account opening request sent by a participating bank, and after the audit is passed, the participating bank is given a common pass or an account management bank, a block chain hosting account is established in the block chain network for the account management bank, and a block chain account is established in the block chain network for the common bank;
the method comprises the steps that an account management bank receives a first funding request sent by a common bank, a funding bank entity account injects funding amount into an entity hosting account of the account management bank according to the first funding request, and funding results are updated to a block chain network, wherein the funding bank entity account is opened in advance in the account management bank by a funding bank and stores the amount; the block chain network enables the block chain escrow account of the account management line to inject the funding amount into the block chain account of the funding line according to the funding result;
the common bank sends a transfer request to the blockchain network through the blockchain payment gateway; and the block chain network carries out hand voting on the transfer request and the transfer result through a consensus algorithm, if the voting passes, the block chain account of the remittance bank transfers the transfer amount to the block chain account of the collection bank according to the transfer request, and simultaneously, the payment message is sent to the collection bank.
According to the technical scheme, when cross-border payment among banks is participated, point-to-point payment is directly realized without an agent bank, fund transfer among banks is completed in real time through a block chain, the long payment process overhead of the agent bank is saved, the problem of time difference or holidays caused by the agent bank is solved, the cross-border transfer payment efficiency and the expenditure efficiency are improved, and the remittance cost of a client is further reduced.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a block chain payment system structure diagram according to an embodiment of the present application;
fig. 2 is a process diagram of a cross-border payment method based on a blockchain payment system according to an embodiment of the present application;
FIG. 3 is a diagram illustrating an account management funding transfer process according to an embodiment of the present application;
fig. 4 is a process diagram of a cross-border payment method based on a blockchain payment system according to another embodiment of the present application;
FIG. 5 is a block diagram of a cross-border payment system according to an embodiment of the present application;
fig. 6A to 6E are schematic diagrams illustrating balance changes of accounts in a transaction process of the cross-border payment system according to an embodiment of the present application.
Detailed Description
In order to make the technical features and effects of the present application more obvious, the technical solutions of the present application are further described below with reference to the accompanying drawings, and the present application may also be described or implemented by other different specific examples, and any equivalent changes made by those skilled in the art within the scope of the claims are included in the protection scope of the present application.
In the description herein, reference to the description of the terms "one embodiment," "a particular embodiment," "some embodiments," "for example," etc., means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the application. In this specification, the schematic representations of the terms used above do not necessarily refer to the same embodiment or example. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is for illustrative purposes to illustrate the implementation of the present application, and the sequence of steps is not limited and can be adjusted as needed.
As shown in fig. 1, the blockchain payment system includes a blockchain network 101, a blockchain payment gateway 102, and a blockchain network management system 103.
The blockchain network 101 includes a plurality of blockchain nodes, each of which may be a computer.
The blockchain payment gateway 102 is connected to blockchain nodes for accessing the participating entity payment system and the blockchain network management system 103. The payment system of the participating bank accesses a blockchain node through a blockchain payment gateway, thereby achieving the purpose of accessing a blockchain network. The block chain payment gateway can shield an interaction mode, an interface format and the like of the payment system of the participating bank and the block chain network, realizes seamless connection of the payment system of the participating bank and the block chain network, and provides convenient and quick block chain access for the payment system of the participating bank to realize remittance, block chain balance inquiry and payment state whole-process tracking. In an actual service scene, the payment system of the common bank submits the related payment data to the blockchain payment gateway to finish data access or call the blockchain through a Rest API interface to finish related services.
The block chain network management system 103 receives and audits the account opening request sent by the participation row, gives the participation row a normal pass or an account management row after the audit is passed, and opens a block chain hosting account for the account management row by calling the block chain network so as to open a block chain account for the normal pass.
In implementation, the participating line can send an account opening request through the internet, or the participating line provides a paper version account opening request book, and an operator inputs corresponding information, such as the identity of the participating line, the BIC (Bank Identification Code), the name of the participating line, the currency and other information into the block chain network management system through a Web page.
The blockchain escrow account of the account management bank and the commonly used blockchain account are stored in the blockchain network, so that the blockchain network determines the blockchain account or the blockchain escrow account according to the funding bank information, the cash-withdrawal bank information, the remittance bank information and the collection bank information.
As shown in fig. 2, the cross-border payment method based on the blockchain payment system includes an funding transaction 201 and a transfer transaction 202.
The transfer transaction 202 includes: and the block chain network receives a transfer request sent by a common bank through the block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers the transfer amount of a remittance block chain account to a receiving bank block chain account according to the transfer request if the voting passes, and simultaneously sends a payment message to the receiving bank.
When the distributed account book storage method is implemented, a transfer request is received by a block link point connected with a remittance bank, the block link point receives the transfer request, processes the transfer request and sends the transfer request and a transfer result (the transfer result reflects the balance of a remittance bank block chain account and the balance of a receiving bank block chain account) to other block chain nodes of a block chain network, the other block link points perform hand-holding voting on the transfer request and the transfer result through a consensus algorithm, and if the results pass, each block link point performs account keeping on a remittance bank block chain account and a receiving bank block chain account according to the transfer request, so that the distributed account book storage is realized.
According to the embodiment, point-to-point payment is directly realized without an agent bank when cross-border payment among banks is participated, fund transfer among banks is completed in real time through a block chain, the long payment process overhead of the agent bank is saved, and the problem of time difference or holiday due to the agent bank is solved, so that cross-border transfer payment efficiency and expenditure efficiency are improved, and the remittance cost of a client is further reduced.
In an embodiment of the application, a common bank sends out an investment request through a payment system of the common bank or provides a paper investment request book, and an operator inputs information in the investment request into the payment system of an account management bank through a Web page.
The first funding request includes, but is not limited to, a funding service identification, a funding amount, and funding line information. The funding result includes, but is not limited to, a funding service identifier, a funding amount, account management line information, and funding line information. Wherein, the fund amount comprises a fund numerical value and a currency. The transfer request includes but is not limited to a transfer service identifier, a transfer amount, remittance information and receiving bank information, wherein the transfer amount includes a transfer value and a currency. The account management bank can determine the funding bank entity account according to the funding bank information. The blockchain network can determine a funding bank blockchain account according to the funding bank information, can determine a blockchain escrow account of an account management bank according to the account management bank information, can determine a remittance bank blockchain account according to the remittance bank information, and can determine a remittance bank blockchain account according to the remittance bank information.
In the funding transaction 201, the step of the account management bank making the funding bank entity account inject the funding amount into the entity escrow account of the account management bank according to the first funding request includes: and judging whether the balance of the entity account of the funding bank is greater than the funding amount, if so, keeping the entity hosting account of the account management bank and the entity account of the funding bank so as to increase the funding amount of the entity hosting account of the account management bank and reduce the funding amount of the entity account of the funding bank.
In the funding transaction 201, the step of enabling the blockchain escrow account of the account management bank to inject the funding amount into the funding bank blockchain account by the blockchain network according to the funding result includes: and the block chain network accounts the block chain escrow account and the block chain account of the account management line according to the funding result, so that the block chain escrow account of the account management line reduces the funding amount, and the block chain account of the funding line increases the funding amount.
Further, as shown in fig. 2, in the funding transaction 201, after the account management bank and the blockchain network complete accounting, a funding notification is further sent to the funding bank (common), so as to notify the funding bank to query the entity account and the balance of the blockchain account. The payment method further comprises the following steps: and each common row maintains a respective block chain account shadow account and an entity account shadow account, the block chain account shadow account is booked according to the bookkeeping condition of the block chain account, and the entity account shadow account is booked according to the bookkeeping condition of the entity account.
In the above transfer transaction 202, transferring the money transfer amount from the money transfer bank blockchain account to the money receiving bank blockchain account according to the transfer request includes: and accounting the remittance bank block chain account and the receiving bank block chain account according to the transfer request, so that the remittance bank block chain account reduces the transfer amount, and the receiving bank block chain account increases the transfer amount.
In detail, the detailed process of the transfer transaction 202 is: 1) a remittance bank (payment system) firstly accounts a customer account and a shadow account of a remittance bank chain account according to a transfer request initiated by a remittance customer (the remittance customer has an entity account at the remittance bank), so that the account of the remittance customer is reduced by the transfer amount, the shadow account of the remittance bank chain account is increased by the transfer amount, and the transfer request is sent to a bank chain network; 2) then, the processing procedure of step 202 is performed by the blockchain network; 3) after a receiving bank (payment system) receives a payment message through a block chain payment gateway, the shadow account of the block chain account of the receiving bank and a receiving customer (the receiving customer opens a solid account at the receiving bank) are booked, so that the shadow account of the block chain account of the receiving bank reduces the transfer amount, and the account of the receiving customer increases the transfer amount.
In an embodiment of the application, in order to enable the account management bank to have a common identity to participate in the transfer transaction, the blockchain network management system further calls the blockchain network to open blockchain accounts for the account management bank, and each account management bank maintains a shadow account of the blockchain account. As shown in fig. 3, the payment method further includes:
in the funding transaction 301, the account management bank sends a second funding request to the blockchain network, and according to the second funding request, the shadow account of the blockchain account of the account management bank injects a funding amount into the entity hosting account of the account management bank; and the blockchain network enables the blockchain escrow account of the account management row to inject the funding amount into the blockchain account of the account management row according to the second funding request.
And (2) transfer transaction 302, receiving a transfer request sent by an account management bank through a block chain payment gateway through a block chain network, carrying out hand-held voting on the transfer request and a transfer result through a consensus algorithm, and if the result passes, transferring the transfer amount to a block chain account of a receiving bank from a block chain account of a remittance bank (account management bank) according to the transfer request, and sending a payment message to the receiving bank.
In detail, the second funding request includes a funding service identifier, a funding amount, and account management line information, wherein the funding amount includes a funding value and a currency. The transfer request comprises a transfer service identifier, a transfer amount, remittance bank information and receiving bank information, wherein the transfer amount comprises a transfer value and a currency. The blockchain network can determine a blockchain escrow account of the account management row according to the account management row information, can determine a remittance blockchain account according to the remittance row information, and can determine a recipient row blockchain account according to the recipient row information.
In the funding transaction 301, the injecting a funding amount from the blockchain account shadow account of the account management bank to the entity hosting account of the account management bank according to the second funding request includes: and accounting the block chain account shadow account of the account management row and the entity hosting account of the account management row according to the second investment request, so that the block chain account shadow account of the account management row reduces the investment amount, and the entity hosting account of the account management row increases the investment amount.
In the funding transaction 301, the step of allowing the blockchain hosting account of the account management bank to inject the funding amount into the blockchain account of the account management bank by the blockchain network according to the second funding request includes: and the block chain network accounts the block chain managed account of the account management bank and the block chain account of the account management bank according to the second funding request, so that the block chain managed account of the account management bank is reduced by funding amount, and the block chain account of the account management bank is increased by funding amount.
In the transfer transaction 302, transferring the money transfer amount from the money transfer bank blockchain account to the money receiving bank blockchain account according to the transfer request includes: and accounting the remittance bank block chain account and the receiving bank block chain account according to the transfer request, so that the remittance bank block chain account reduces the transfer amount, and the receiving bank block chain account increases the transfer amount.
Each common bank and each account management bank maintain their own blockchain account shadow accounts, and in detail, the detailed process of the transfer transaction 302 is as follows: 1) a remittance bank (an account management bank payment system) firstly accounts a customer account and a remittance bank chain account shadow account according to a transfer request initiated by a remittance customer (the remittance customer opens a physical account at the remittance bank), so that the account of the remittance customer is reduced by the transfer amount, the account of the remittance bank chain account shadow account is increased by the transfer amount, and the transfer request is sent to a bank chain network; 2) then, the processing procedure of step 202 is performed by the blockchain network; 3) after a receiving bank (payment system) receives a payment message through a block chain payment gateway, the shadow account of the block chain account of the receiving bank and a receiving customer (the receiving customer opens a solid account at the receiving bank) are booked, so that the shadow account of the block chain account of the receiving bank reduces the transfer amount, and the account of the receiving customer increases the transfer amount.
In an embodiment of the present application, as shown in fig. 4, the payment method further includes a cash withdrawal transaction 203: the account management bank receives a cash withdrawal request sent by a common bank, transfers a cash withdrawal amount to a cash withdrawal bank entity account from an entity escrow account of the account management bank according to the cash withdrawal request, and updates a cash withdrawal result to the block chain network; and the block chain network transfers the block chain account of the withdrawal row to the block chain escrow account of the account management row according to the withdrawal result.
In detail, the cash withdrawal request comprises a cash withdrawal service identifier, a cash withdrawal amount and cash withdrawal row information; the cash-withdrawal result comprises a cash-withdrawal service identifier, a cash-withdrawal amount, cash-withdrawal bank information and account management bank information; wherein, the cash-out amount comprises a cash-out value and a currency. The account management bank can determine to take the current entity account according to the current bank information. The block chain network can determine a block chain account of the cash-taking line according to the cash-taking line information, and can determine a block chain escrow account according to the account management line information.
Further, the step of transferring the cash-out amount from the entity escrow account of the account management line to the entity account of the cash-out line according to the cash-out request comprises: and accounting the entity escrow account and the entity account of the cash-withdrawing bank according to the cash-withdrawing request so as to reduce the cash-withdrawing amount of the entity escrow account of the account management bank and increase the cash-withdrawing amount of the entity account of the cash-withdrawing bank.
Further, the step of enabling the block chain account of the withdrawal row to transfer the withdrawal amount to the block chain escrow account of the account management row by the block chain network according to the withdrawal result comprises the following steps: and the block chain network judges whether the balance of the block chain account of the cash-withdrawal row is greater than the cash-withdrawal amount, if so, the block chain account of the cash-withdrawal row and the block chain escrow account of the account management row are booked, so that the block chain account of the cash-withdrawal row is reduced by the cash-withdrawal amount, the block chain escrow account of the account management row is increased by the cash-withdrawal amount, and if not, cash-withdrawal failure information is fed back to the account management row.
Further, as shown in fig. 4, in the cash-out transaction 203, after the blockchain network finishes accounting, a cash-out notification is also sent to the cash-out machine (general), so as to notify the cash-out machine to query the entity account and the balance of the blockchain account. The payment method further comprises the following steps: and each common row maintains a respective block chain account shadow account and an entity account shadow account, the block chain account shadow account is booked according to the bookkeeping condition of the block chain account, and the entity account shadow account is booked according to the bookkeeping condition of the entity account.
As shown in fig. 5, fig. 5 is a structural diagram of a cross-border payment system according to an embodiment of the present application. Specifically, the cross-border payment system comprises: a blockchain payment system and a participating bank payment system 502, wherein the blockchain payment system includes a blockchain network 5011, a blockchain payment gateway 5012, and a blockchain network management system 5013.
The blockchain network 5011 includes a plurality of blockchain nodes; the blockchain payment gateway 5012 connects blockchain nodes for accessing a blockchain network management system and a payment system of a participating bank; the block chain network management system 5013 receives and audits an account opening request sent by a participating bank, gives a general pass or an account management bank to the participating bank after the audit is passed, and calls a block chain network to open a block chain escrow account for the account management bank and open a block chain account for the general bank;
the method comprises the steps that an account management bank receives a first funding request sent by a common bank, enables a funding bank entity account to inject funding amount into an entity hosting account of the account management bank according to the first funding request, and updates a funding result to a block chain network, wherein the funding bank entity account is opened in advance in the account management bank by a funding bank and stores the amount; the block chain network enables the block chain escrow account of the account management line to inject the funding amount into the block chain account of the funding line according to the funding result;
the common bank sends a transfer request to the blockchain network through the blockchain payment gateway; and the block chain network carries out hand voting on the transfer request and the transfer result through a consensus algorithm, if the voting passes, the block chain account of the remittance bank transfers the transfer amount to the block chain account of the collection bank according to the transfer request, and simultaneously sends a payment message to the collection bank.
The embodiment realizes a brand-new cross-border payment business mode. By building a block chain network, a matched block chain network management system and a block chain payment gateway, the cross-border transfer service can completely get rid of complicated processes and time consumption of an agent bank and an agent bank, a brand new service mode is realized, and the cross-border payment efficiency is improved.
In order to more clearly illustrate the technical solution of the present application, a specific embodiment is described below.
Assuming that the bank a is an account management bank and the bank B, C is a general bank, the bank B, C opens an entity account in the bank a and deposits a certain amount of money. Customer N has opened account CUST1 at bank B, and customer M has opened account CUST2 at bank C.
The account condition of each common account is shown as table one, the common entity account is billed by the payment system of the account management bank, the block chain account is billed by the block chain network, the shadow account of each entity account and the shadow account of the block chain account mainly play a role of back-up, the balance of each shadow account is opposite to that of the entity account and the block chain account, and the in-line payment system of each bank is used for billing.
The account condition of the account management row is shown in table two, the entity escrow account TG-a records the total balance of the account management row a in the blockchain network, the blockchain escrow account BC-TG-a records the total balance of the account management row a in the blockchain network, and the balance of the blockchain escrow account BC-TG-a is the negative balance of the entity escrow account TG-a because the real money is stored in the account management row. Shadow accounts of the entity hosting account and the blockchain account are billed by an in-line payment system of the account management bank, and the blockchain hosting account and the blockchain account are billed by the blockchain network.
Table one:
| general traffic | Entity account | Block chain account | Entity account shadow account | Block chain account shadow account |
| B | V-B | BC-B | N-V-B | N-BC-B |
| C | V-C | BC-C | N-V-C | N-BC-C |
Table two:
| account management line | Entity hosting account | Block chain escrow account | Block chain account | Shadow accounts of blockchain accounts |
| A | TG-A | BC-TG-A | BC-A | N-BC-A |
Specifically, before the funding, transfer, and cash withdrawal transactions occur, the units of the accounts are ten thousand yuan as shown in fig. 6A. The balance of the entity account opened by the bank B in the bank A is 1000 ten thousand yuan, and the balance of the entity account opened by the bank C in the bank A is 2000 ten thousand yuan. The payment process comprises the following steps:
1. the bank a injects the fund of 4000 ten thousand yuan into the blockchain network, and the balance of each account after the bank a pays the system and the blockchain network is shown in fig. 6B. The entry condition of each payment system is as follows:
1) bank A
Dr: N-BC-A -4000
Cr: TG-A +4000
2) Block chain network
Dr: BC-TG-A -4000
Cr: BC-A +4000
2. The bank B injects 300 ten thousand yuan into the blockchain network, and the balance of each account after the bank B payment system, the bank a payment system and the blockchain network are booked is as shown in fig. 6C. The entry condition of each payment system is as follows:
1) bank A
Dr: V-B -300
Cr: TG-A +300
2) Block chain network
Dr: BC-TG-A -300
Cr: BC-B + 300
3) Bank B
Dr: N-BC-B -300
Cr: N-V-B +300
Since B, C are all participating rows of A, the procedure of C funding the blockchain network is the same as B.
3. The customer N (account CUST1) of the bank B pays 100 ten thousand yuan to the customer M (account CUST2) of the bank C through the blockchain network, that is, the bank B transfers 100 ten thousand yuan to the bank C, and the balance of each account after the payment system of the bank B, the payment system of the bank C and the blockchain network are billed is shown in fig. 6D. The entry condition of each payment system is as follows:
1) block chain network
Dr: BC-B -100
Cr: BC-C +100
2) Bank B
Dr: CUST1 -100
Cr: N-BC-B + 100
3) Bank C
Dr: N-BC-C -100
Cr: CUST2 +100
4. The bank B withdraws 200 ten thousand yuan through the blockchain network, namely the bank B extracts the amount of 200 ten thousand yuan in the blockchain account BC-B into the entity account V-B. The balance of each account after the bank B payment system, the bank a payment system and the blockchain network are booked is shown in fig. 6E. The entry condition of each payment system is as follows:
1) bank A
Dr: TG-A -200
Cr: V-B +200
2) Block chain network
Dr: BC-B -200
Cr: BC-TG-A +200
3) Bank B
Dr: N-V-B -200
Cr: N-BC-B + 200
Based on the block chain technology, the method and the device construct a new payment business mode, and can achieve the following technical effects:
the method is characterized in that the remittance bank and the collection bank pay point to point, fund transfer between banks is completed in real time through a block chain, and long payment process overhead of an agent bank is saved, so that the payment efficiency between banks is improved.
Secondly, the block chain account supports 7 × 24 payment, and is not subject to time difference or holiday problems caused by agent lines, so that the capital turnover rate can be improved, and the liquidity cost can be reduced. Meanwhile, the income of intermediate business can be improved, and the fund use efficiency of the agent bank account can be improved.
And thirdly, because the agent bank is eliminated, the remittance cost of the client and the compliance cost of the agent bank can be reduced.
And fourthly, based on the block chain distributed account book technology, account cancellation through checking and real-time account cancellation are cancelled, the straightening of the path can be realized, and the account cancellation efficiency is improved.
And fifthly, the block chain payment platform can realize real-time inquiry of a sender and a receiver for a payment resolving state.
In addition, the block chain accounting security is ensured through a block chain consensus mechanism. Through the block chain distributed storage technology, the payment data are stored in different business bodies, and the data sharing of the payment business data is achieved. And the data storage safety is ensured by an asymmetric encryption technology.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above description is only for the purpose of illustrating the present disclosure, and any person skilled in the art can modify and change the above embodiments without departing from the spirit and scope of the present disclosure. Therefore, the protection scope of the claims of the present application shall be subject to the claims.
Claims (17)
1. A cross-border payment method based on a block chain payment system is characterized in that the block chain payment system comprises a block chain network, a block chain payment gateway and a block chain network management system; wherein the blockchain network comprises a plurality of blockchain nodes; the block chain payment gateway is connected with block chain nodes for accessing a block chain network management system and a participating bank payment system; the block chain network management system receives and audits an account opening request sent by a participation row, after the audit is passed, the participation row is given a common row or an account management row, and a block chain hosting account is opened for the account management row by calling the block chain network, and a block chain account is opened for the common row; the block chain network management system also calls the block chain network to open block chain accounts for the account management rows, and each account management row maintains a shadow account of the block chain account;
the payment method comprises the following steps: the method comprises the steps that an account management bank receives a first funding request sent by a common bank, a funding bank entity account injects funding amount into an entity hosting account of the account management bank according to the first funding request, and a funding result is updated to a block chain network, wherein the funding bank sends the common bank of the first funding request, and the funding bank entity account is pre-opened and deposited in the account management bank by a funding bank; the block chain network enables the block chain escrow account of the account management row to inject the funding amount into the block chain account of the funding row according to the funding result, and the balance of the block chain escrow account of the account management row is the negative balance of the entity escrow account of the account management row;
the block chain network receives a transfer request sent by a common bank through a block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers a remittance block chain account to a receiving bank block chain account according to the transfer request if the vote is passed, and simultaneously sends a payment message to the receiving bank;
the account management bank sends a second investment request to the block chain network, and enables the shadow account of the block chain account of the account management bank to inject the investment amount to the entity hosting account of the account management bank according to the second investment request; the blockchain network enables the blockchain escrow account of the account management row to inject the funding amount into the blockchain account of the account management row according to the second funding request;
and the block chain network receives a transfer request sent by an account management bank through a block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers the transfer amount to a receiving bank block chain account according to the transfer request if the voting passes, and simultaneously sends a payment message to the receiving bank.
2. A payment method as recited in claim 1, wherein the first funding request includes a funding service identification, a funding amount, and funding line information;
the funding result comprises a funding service identifier, funding amount, account management bank information and funding bank information;
wherein, the fund amount comprises a fund numerical value and a currency.
3. A payment method as defined in claim 2, wherein causing the funding entity account to inject a funding amount into the account management entity's entity hosting account in accordance with the first funding request comprises:
and judging whether the balance of the entity account of the funding bank is greater than the funding amount, if so, keeping the entity hosting account of the account management bank and the entity account of the funding bank so as to increase the funding amount of the entity hosting account of the account management bank and reduce the funding amount of the entity account of the funding bank.
4. A payment method as recited in claim 3, wherein the blockchain network causing the blockchain escrow account of the account management bank to inject a funding amount into the funding blockchain account based on the funding result comprises:
and the block chain network accounts the block chain escrow account and the block chain account of the account management line according to the funding result, so that the block chain escrow account of the account management line reduces the funding amount, and the block chain account of the funding line increases the funding amount.
5. A payment method as recited in claim 4, wherein the payment method further comprises: and each common row maintains a respective block chain account shadow account and an entity account shadow account, the block chain account shadow account is booked according to the bookkeeping condition of the block chain account, and the entity account shadow account is booked according to the bookkeeping condition of the entity account.
6. A payment method as recited in claim 1, wherein the transfer request includes a transfer service identification, a transfer amount, remittance information, and payee information, wherein the transfer amount includes a transfer value and currency.
7. The payment method as set forth in claim 6, wherein transferring the money transfer bank blockchain account to the money transfer bank blockchain account for the transfer amount in response to the transfer request comprises:
and accounting the remittance bank block chain account and the receiving bank block chain account according to the transfer request, so that the remittance bank block chain account reduces the transfer amount, and the receiving bank block chain account increases the transfer amount.
8. A payment method as recited in claim 7, wherein the payment method further comprises: and each common row maintains a respective block chain account shadow account, and the block chain account shadow accounts are booked according to the bookkeeping condition of the block chain accounts.
9. A payment method as recited in claim 1, wherein the second funding request includes a funding service identification, a funding amount, and account administrator information; wherein, the fund amount comprises a fund numerical value and a currency.
10. A payment method as defined in claim 9, wherein causing the blockchain account shadow account of the account management bank to inject a funding amount into the entity hosting account of the account management bank in accordance with a second funding request comprises:
and accounting the block chain account shadow account of the account management row and the entity hosting account of the account management row according to the second investment request, so that the block chain account shadow account of the account management row reduces the investment amount, and the entity hosting account of the account management row increases the investment amount.
11. A payment method as defined in claim 10, wherein the blockchain network causing the blockchain escrow account of the account management bank to inject a funding amount into the blockchain account of the account management bank in accordance with the second funding request comprises:
and the block chain network accounts the block chain managed account of the account management bank and the block chain account of the account management bank according to the second funding request, so that the block chain managed account of the account management bank is reduced by funding amount, and the block chain account of the account management bank is increased by funding amount.
12. A payment method as recited in claim 1, wherein the payment method further comprises: the account management bank receives a cash withdrawal request sent by a common bank, transfers a cash withdrawal amount to a cash withdrawal bank entity account from an entity escrow account of the account management bank according to the cash withdrawal request, and updates a cash withdrawal result to the block chain network; and the block chain network transfers the block chain account of the withdrawal row to the block chain escrow account of the account management row according to the withdrawal result.
13. A payment method as recited in claim 12, wherein the cash withdrawal request includes a cash withdrawal service identification, a cash withdrawal amount, and cash withdrawal line information;
the cash withdrawal result comprises a cash withdrawal service identifier, a cash withdrawal amount, account management line information and cash withdrawal line information;
wherein, the cash-out amount comprises a cash-out value and a currency.
14. A payment method as recited in claim 13, wherein causing the account management line's entity escrow account to transfer the cash withdrawal amount to the cash withdrawal entity account in accordance with the cash withdrawal request comprises:
and accounting the entity escrow account and the entity account of the cash-withdrawing bank according to the cash-withdrawing request so as to reduce the cash-withdrawing amount of the entity escrow account of the account management bank and increase the cash-withdrawing amount of the entity account of the cash-withdrawing bank.
15. A payment method as recited in claim 14, wherein the blockchain network causing the cash-out bank blockchain account to transfer the cash-out amount to the blockchain escrow account of the account management bank based on the cash-out result comprises:
and the block chain network judges whether the balance of the block chain account of the cash-withdrawal row is greater than the cash-withdrawal amount, if so, the block chain account of the cash-withdrawal row and the block chain escrow account of the account management row are booked, so that the block chain account of the cash-withdrawal row is reduced by the cash-withdrawal amount, the block chain escrow account of the account management row is increased by the cash-withdrawal amount, and if not, cash-withdrawal failure information is fed back to the account management row.
16. A payment method as recited in claim 15, wherein the payment method further comprises: and each common row maintains a respective block chain account shadow account and an entity account shadow account, the block chain account shadow account is booked according to the bookkeeping condition of the block chain account, and the entity account shadow account is booked according to the bookkeeping condition of the entity account.
17. A cross-border payment system, comprising: the system comprises a block chain payment system and a party payment system, wherein the block chain payment system comprises a block chain network, a block chain payment gateway and a block chain network management system;
the blockchain network comprises a plurality of blockchain nodes; the block chain payment gateway is connected with block chain nodes for accessing a block chain network management system and a payment system of a participating bank; the block chain network management system receives and audits an account opening request sent by a participating bank, gives a general pass or an account management bank to the participating bank after the audit is passed, and opens a block chain escrow account for the account management bank and a block chain account for the general bank by calling the block chain network; the block chain network management system also calls the block chain network to open block chain accounts for the account management rows, and each account management row maintains a shadow account of the block chain account;
the method comprises the steps that an account management bank receives a first funding request sent by a common bank, a funding bank entity account injects funding amount to an entity hosting account of the account management bank according to the first funding request, and a funding result is updated to a block chain network, wherein the funding bank sends the common bank of the first funding request, and the funding bank entity account is pre-established and stored with amount in the account management bank by the funding bank; the block chain network enables the block chain escrow account of the account management row to inject the funding amount into the block chain account of the funding row according to the funding result, and the balance of the block chain escrow account of the account management row is the negative balance of the entity escrow account of the account management row;
the common bank sends a transfer request to the blockchain network through the blockchain payment gateway; the block chain network carries out hand voting on the transfer request and the transfer result through a consensus algorithm, if the voting is passed, the block chain account of the remittance bank transfers the transfer amount to the block chain account of the collection bank according to the transfer request, and the payment message is sent to the collection bank;
the account management bank sends a second investment request to the block chain network, and enables the shadow account of the block chain account of the account management bank to inject the investment amount to the entity hosting account of the account management bank according to the second investment request; the blockchain network enables the blockchain escrow account of the account management row to inject the funding amount into the blockchain account of the account management row according to the second funding request;
and the block chain network receives a transfer request sent by an account management bank through a block chain payment gateway, performs hand-held voting on the transfer request and a transfer result through a consensus algorithm, transfers the transfer amount to a receiving bank block chain account according to the transfer request if the voting passes, and simultaneously sends a payment message to the receiving bank.
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