CN108492095B - Transaction method and device based on block chain - Google Patents
Transaction method and device based on block chain Download PDFInfo
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- CN108492095B CN108492095B CN201810246252.0A CN201810246252A CN108492095B CN 108492095 B CN108492095 B CN 108492095B CN 201810246252 A CN201810246252 A CN 201810246252A CN 108492095 B CN108492095 B CN 108492095B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/381—Currency conversion
Abstract
The embodiment of the invention relates to a transaction method and device based on a block chain. The method comprises the following steps: receiving a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request requesting a transaction to be conducted using the first amount in a first currency and items in a second environment in which a second currency is a currency; depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment; determining a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being located in the second environment; in the second environment, transacting with the good through a second blockchain using the second amount of the second currency in the second fund pool. The national transaction is more convenient and faster, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a block chain-based transaction method and device.
Background
With the continuous development of science and technology and economy, the living standard of people is continuously improved, and the international trade is also continuously increased. However, the monetary policies of the countries are different, and in a region or country, money of the region or country can generally only be circulated. For cross-country trading, each country has a relatively strict policy, so that the cross-country trading procedure is complicated and the period is long.
Disclosure of Invention
Based on the above problem, the embodiment of the invention provides a transaction method and device based on a block chain.
In a first aspect, an embodiment of the present invention provides a transaction method based on a blockchain. The method comprises the following steps:
receiving a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request requesting a transaction to be conducted using the first amount in a first currency and items in a second environment in which a second currency is a currency;
depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
determining a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being located in the second environment;
in the second environment, transacting with the good through a second blockchain using the second amount of the second currency in the second fund pool.
In one optional implementation, prior to determining to conduct a transaction with the good via a second blockchain using the second amount of the second currency in the second fund pool, further comprising:
determining whether an amount of a second currency in the second fund pool is sufficient;
when the amount of the second currency in the second fund pool is sufficient, continuing to perform the step of determining a second currency of the second currency in the second fund pool corresponding to the first currency of the first quantity in the first fund pool.
In another optional implementation, the method further comprises:
locking the first transaction request when the amount of the second currency in the second fund pool is insufficient.
In another optional implementation, the determining a second amount of the second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool comprises:
a second currency of a second amount in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined according to an exchange rate of the first currency and the second currency.
In another optional implementation, the method further comprises:
receiving a second transaction request in the second environment, the second transaction request including a third quantity, the second transaction request requesting a transaction with goods in the first environment using a second currency for the third quantity;
depositing the third amount of the second currency into the second fund pool via a second blockchain;
determining a fourth amount of the first currency in the first fund pool corresponding to the third amount of the second currency in the second fund pool;
in the first environment, transacting with the good using the fourth amount of the first currency in the first fund pool through a first blockchain.
In a second aspect, an embodiment of the present invention provides a blockchain-based transaction apparatus. The method comprises the following steps:
a first receiving unit configured to receive a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request being for requesting a transaction for goods in a second environment in which a second currency is a currency using the first amount of the first currency;
a first deposit unit for depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
a first determining unit to determine a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being in the second environment;
a first transaction unit to conduct a transaction with the item in the second environment via a second blockchain using the second amount of the second currency in the second fund pool.
In another optional implementation, the method further comprises:
a second determination unit for determining whether the amount of the second currency in the second fund pool is sufficient;
when the amount of the second currency in the second fund pool is sufficient, continuing to perform the step of determining a second currency of the second currency in the second fund pool corresponding to the first currency of the first quantity in the first fund pool.
In another optional implementation, the method further comprises:
a locking unit for locking the first transaction request when the amount of the second currency in the second fund pool is insufficient.
In another optional implementation, the first determining unit is specifically configured to:
a second currency of a second amount in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined according to an exchange rate of the first currency and the second currency.
In another optional implementation, the method further comprises:
a second receiving unit that receives, in the second environment, a second transaction request including a third amount, the second transaction request being for requesting a transaction with the commodities in the first environment using a second currency of the third amount;
a second depositing unit for depositing the third amount of the second currency into the second fund pool through a second blockchain;
a third determining unit for determining a fourth amount of the first currency in the first fund pool corresponding to the third amount of the second currency in the second fund pool;
a second transaction unit to conduct a transaction with the item in the first environment via a first blockchain using the fourth amount of the first currency in the first fund pool.
In a third aspect, the present specification provides a computer device, including a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method steps of the first aspect when executing the program.
In a fourth aspect, a computer-readable storage medium is provided, having stored thereon a computer program which, when executed by a processor, implements the method of the first aspect described above.
In a fifth aspect, there is provided a computer program product comprising instructions which, when run on a computer, cause the computer to perform the method of the first aspect described above.
Through the embodiment of the invention, the fund pools are respectively arranged in the institutions of the other side between the institutions of two countries or regions where the currency cannot directly circulate, and the transactions are carried out through the fund pools and the block chain, so that the international transactions become simpler and the user experience is higher.
Drawings
FIG. 1 is a schematic diagram of a scenario;
fig. 2 is a flowchart of a transaction method based on a blockchain according to an embodiment of the present invention;
fig. 3 is a schematic structural diagram of a transaction apparatus based on a blockchain according to an embodiment of the present invention;
fig. 4 shows a schematic structural diagram of a computer device provided in an embodiment of the present specification.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The embodiment of the invention provides a transaction method and device based on a block chain. The method is suitable for the application scenario shown in fig. 1, and as shown in fig. 1, the method includes: one or more clients 101, such as notebook computers, desktop computers, mobile terminals, and the like; one or more blockchain nodes 102.
The client 101 is mainly used for interacting with a user, for example, the user may log in through the client, query a record in the blockchain, and record information in the blockchain; the client 101 is further configured to interact with the block chain node 102, where the block chain is stored in the block chain node 102, and the client 101 may obtain the block chain from the block chain node 102, and may also send a newly generated block chain to the block chain node 102; wherein the client 101 can be divided into various clients according to functions, for example, a query client, a bank client, a packaging client for packaging a new blockchain, and so on.
For the cross-country transaction, usually, the currency of the opposite country needs to be purchased first, then the currency of the opposite country is used for paying corresponding payment, if the currency of the home country is directly used for payment, the money can be paid only if the opposite country cannot be paid due to supervision policies or the money can be paid only by explaining the reason to a bank, after the money is paid, if the opposite country wants to use the money, the opposite side still needs to exchange the currency, obviously, the process is very complicated, especially under the condition that the currency policies of the opposite country cannot be known, most countries have limitations on exchanging foreign currencies, the operation is inconvenient, the existing mode cannot deal with increasingly prosperous cross-country transaction markets, and the cross-country transaction also needs to be developed to a more convenient direction.
Based on this, the embodiment of the invention provides a transaction method and device based on a block chain. The cross-country transaction is realized by combining the block chain, the capacitive automatic exchange is realized, and the operation is more convenient.
For the purpose of facilitating understanding of the embodiments of the present invention, the following description will be further explained with reference to specific embodiments, which are not to be construed as limiting the embodiments of the present invention.
Fig. 2 is a flowchart of a transaction method based on a blockchain according to an embodiment of the present invention. The method may be implemented by a terminal, an ore machine, or a block chain node in the scenario shown in fig. 1. As shown in fig. 2, the method specifically includes:
s210, receiving a transaction request in a first environment in which the first currency is currency, wherein the transaction request comprises a first amount, and the transaction request is used for requesting to use the first amount of the first currency to perform transaction with commodities in a second environment in which the second currency is currency.
The currency may refer to the currency of each country, such as U.S. dollars, euros, yen, and rmb. The first currency and the second currency may refer to any two currencies. For example, the first currency is RMB and the second currency is yen.
The environment may refer to a currency system, which may refer to a bank, central bank or unionpay currency transaction system, or a separate area of a currency system. Accordingly, the first environment in which the first currency is the currency of circulation refers to the first currency circulating inside the system, for example, the currency transaction system of the Chinese construction bank, and the currency circulating inside is the RMB. The first environment and the second environment are separate areas or currency transaction systems corresponding to the first currency and the second currency, respectively.
For example, when the first currency is the rmb, the first environment may be a currency transaction system of a chinese construction bank, and when the second currency is the yen, the second environment may be a currency transaction system of a japanese cherry bank. When the money transaction system of the construction bank in china receives a first transaction request, that is, when a user pays for goods purchased in japan through the construction bank, the first transaction request may include a transfer-out bank account, a transfer-in bank account, and a first amount, and the first transaction request is used to instruct transfer of the first amount of rmb transferred out of the bank account to the transfer-in bank account. Of course, other information such as the type of the transaction may also be included in the first transaction request.
The transaction with the items in the second environment using the first amount of the first currency may refer to transferring the first amount of the first currency transferred from the bank account to the transfer bank account for purchase of the items in the second environment. For example, when a commodity in japan is purchased using the rmb, the money for the commodity may be transferred to a bank account in the cherry bank through a bank account in the chinese construction bank.
S220, depositing the first amount of the first currency into a first fund pool through a first blockchain, wherein the first fund pool is located in the first environment.
The fund pool may refer to one or more accounts. Such as one or more bank accounts in the chinese construction bank.
A fund pool of a plurality of other environments may be included in a first environment, and the owner of funds in the fund pool may be the country or bank of its corresponding environment. For example, when the first environment is a chinese construction bank and the second environment is a japanese cherry bank, ownership of the first fund pool in the chinese construction bank may be the japanese cherry bank.
The currency in the embodiment of the present invention may refer to digital currency issued based on a block chain. At the time of transfer, the account of both parties to the transaction (which may also be the recipient address of the currency) and the transaction amount may be provided and recorded in the blockchain.
The money in the embodiment of the invention can also refer to money issued in a normal mode, when transferring, the money is directly transferred through a bank account, and the transfer information is recorded in a block chain, wherein the transfer information can comprise a transfer-out bank account number, a transfer-in bank account, a transfer amount and the like.
S230, determining a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool, wherein the second fund pool is located in the second environment.
The currency transaction is carried out between two different environments, and the two parties can respectively set up a fund pool in the environment of the other party. Transfer to the pool of funds, the funds are considered to flow into the environment of the pool pair. Transfer of funds from the pool to other accounts within the environment may be considered as the flow of funds from the environment to which the pool corresponds to the environment.
For example, the examples of the first environment and the second environment described above are combined. The chinese construction bank may set a second fund pool at the japanese cherry bank, and the japanese cherry bank sets a first fund pool at the chinese construction bank, so when the user transfers money from the account of the chinese construction bank to the account of the japanese cherry bank, an actual flow is to transfer a first amount of first money to the first fund pool through the account of the chinese construction bank, and the first money equivalent to the first amount flows into the japanese cherry bank (the actual fund is also in the chinese construction bank, but the right belongs to the japanese cherry bank), and then transfer a second money equivalent to the first amount of first money to the japanese cherry bank through the second fund pool in the japanese cherry bank.
In this process, a first amount of the first currency is required to determine a second amount of the second currency, where the first amount of the first currency and the second amount of the second currency are equal in value, and specifically, conversion may be performed according to a current exchange rate, that is, according to the exchange rate of the first currency and the second currency, a second amount of the second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined.
S240, in the second environment, the commodity is transacted with the second amount of the second currency in the second fund pool through a second blockchain.
Wherein the first environment and the second environment can use different blockchains for transactions, and the first blockchain and the second blockchain can be associated. When the first currency is issued based on the first blockchain and the second currency is issued based on the second currency, transactions transferred to the first fund pool in the first blockchain are sent to the second blockchain for synchronization processing, and corresponding transaction requests transferred to the second fund pool in the second blockchain are also sent to the first blockchain for synchronization processing.
The first environment and the second environment may also use the same blockchain for transactions. For currency issued in a common form (not in blockchain form), both the first environment and the second environment may record transfer information associated with the fund pool in the blockchain.
In addition, a transaction request may also be received in the second environment, and in this case, the embodiment of the present invention may further include the following steps:
step A: receiving a second transaction request in a second environment, the second transaction request including a third quantity, the second transaction request requesting a transaction with the goods in the first environment using a second currency for the third quantity;
and B: depositing the third amount of the second currency into the second fund pool via a second blockchain;
and C: determining a fourth amount of the first currency in the first fund pool corresponding to the third amount of the second currency in the second fund pool;
step D: in the first environment, transacting with the good using the fourth amount of the first currency in the first fund pool through a first blockchain.
Through the steps, the currency can be freely circulated in different environments, and the transaction efficiency is improved.
In the embodiment of the invention, the fund is not really exchanged in the transaction process, but the bank or other organizations carry out collection and payment in the transaction process on the basis of certain fund flow based on the continuous increase of the transnational business. The funds collected by the user can be used for paying for other transactions, so that the circulation of the funds is realized, and the process of exchanging money by the user is omitted.
In addition, since the fund pool is equivalent to a collect or pay-as-you-go account during the transaction, if the collected funds are less than the paid-as-you-go funds, then insufficient funds may occur during the pay-as-you-go. In this case, before S240 or before S220, the method further includes:
determining whether an amount of a second currency in the second fund pool is sufficient;
when the amount of the second currency in the second fund pool is sufficient, execution continues with S240 or S220-S240.
The first transaction request is locked when the amount of the second currency in the second fund pool is insufficient.
The above steps may be resumed while the first transaction is locked, waiting for sufficient money in the second fund pool.
While waiting, a timer may be started, for example, waiting for a day, and if the time of day is still insufficient, the transaction is cancelled.
It is also possible to cancel the transaction directly without waiting.
In order to increase the success rate of the transaction and reduce the situation that the transaction is locked as much as possible, the trade difference between the two parties can be counted, and the fund can be supplemented in the fund pool in time according to the counting result. The replenishment process may be for the bank to swap funds in its own fund pool and inject into the other party's fund pool.
In addition, historical statistics of poor trade can be predicted according to the trend, and the fund pool can be adjusted in advance according to the prediction result.
Some starting funds can be paid in the fund pool to play a buffering role and reduce the possibility that the transaction is locked.
It should be noted that the currency type, environment and bank may include a plurality of types, and the description is only for the purpose of describing two types, and is not limited.
Through the embodiment of the invention, the fund pools are respectively arranged in the institutions of the other side between the institutions of two countries or regions where the currency cannot directly circulate, and the transactions are carried out through the fund pools and the block chain, so that the international transactions become simpler and the user experience is higher. In addition, when the fund pool has insufficient funds, the transaction can be locked, the security of the transaction is ensured, the condition that the transaction is locked can be reduced by setting a scheduling means, and the liquidity of the funds is further improved.
Fig. 3 is a schematic structural diagram of a transaction apparatus based on a blockchain according to an embodiment of the present invention. The device specifically includes:
a first receiving unit 301 configured to receive a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request being for requesting a transaction for goods in a second environment in which a second currency is a currency, using the first amount of the first currency;
a first depositing unit 302 for depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
a first determining unit 303 for determining a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being located in the second environment;
a first transaction unit 304 for conducting a transaction with the good in the second environment via a second blockchain using the second amount of the second currency in the second fund pool.
Optionally, the method further comprises:
a second determination unit for determining whether the amount of the second currency in the second fund pool is sufficient;
when the amount of the second currency in the second fund pool is sufficient, continuing to perform the step of determining a second currency of the second currency in the second fund pool corresponding to the first currency of the first quantity in the first fund pool.
Optionally, the method further comprises:
a locking unit for locking the first transaction request when the amount of the second currency in the second fund pool is insufficient.
Optionally, the first determining unit is specifically configured to:
a second currency of a second amount in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined according to an exchange rate of the first currency and the second currency.
Optionally, the method further comprises:
a second receiving unit that receives, in the second environment, a second transaction request including a third amount, the second transaction request being for requesting a transaction with the commodities in the first environment using a second currency of the third amount;
a second depositing unit for depositing the third amount of the second currency into the second fund pool through a second blockchain;
a third determining unit for determining a fourth amount of the first currency in the first fund pool corresponding to the third amount of the second currency in the second fund pool;
a second transaction unit to conduct a transaction with the item in the first environment via a first blockchain using the fourth amount of the first currency in the first fund pool. .
Fig. 4 shows a schematic structural diagram of a computer device provided in an embodiment of the present specification, where the computer device may include: a processor 410, a memory 420, an input/output interface 430, a communication interface 440, and a bus 450. Wherein processor 44, memory 420, input/output interface 430, and communication interface 440 are communicatively coupled to each other within the device via bus 450.
The processor 410 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present specification.
The Memory 420 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 420 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 420 and called to be executed by the processor 410.
The input/output interface 430 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 440 is used for connecting a communication module (not shown in the figure) to realize communication interaction between the device and other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
It should be noted that although the above-mentioned device only shows the processor 410, the memory 420, the input/output interface 430, the communication interface 440 and the bus 450, in a specific implementation, the device may also include other components necessary for normal operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
Those of skill would further appreciate that the various illustrative components and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied in hardware, a software module executed by a processor, or a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only illustrative of the present invention and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the scope of the present invention should be included in the scope of the present invention.
Claims (6)
1. A blockchain-based transaction method, comprising:
receiving a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request requesting a transaction to be conducted using the first amount in a first currency and items in a second environment in which a second currency is a currency; the first currency is issued based on a first block chain, the second currency is issued based on a second block chain, and the first block chain and the second block chain are associated; the first currency and the second currency may provide an account of both parties to the transaction and a transaction amount at the time of transfer; the first block chain and the second block chain belong to parts corresponding to different environments on the same block chain;
depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
determining a second amount of a second currency in a second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being located in the second environment; determining whether an amount of a second currency in a second fund pool is sufficient, and when the amount of the second currency in the second fund pool is sufficient, in the second environment, conducting a transaction with the good using a second amount of the second currency in the second fund pool through a second blockchain;
and when the amount of the second currency in the second fund pool is insufficient, locking the first transaction request, starting a timer, and after the timer is ended, if the amount of the second currency in the second fund pool is insufficient, canceling the first transaction request.
2. The method of claim 1, wherein the determining a second amount of a second currency in the second fund pool corresponding to the first amount of the first currency in the first fund pool comprises:
a second currency of a second amount in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined according to an exchange rate of the first currency and the second currency.
3. The method of claim 1, further comprising:
receiving a second transaction request in the second environment, the second transaction request including a third quantity, the second transaction request requesting a transaction with goods in the first environment using a second currency for the third quantity;
depositing the third amount of the second currency into the second fund pool via a second blockchain;
determining a fourth amount of the first currency in the first fund pool corresponding to the third amount of the second currency in the second fund pool;
in the first environment, transacting with the good using the fourth amount of the first currency in the first fund pool through a first blockchain.
4. A blockchain-based transaction apparatus, comprising:
a first receiving unit configured to receive a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request being for requesting a transaction for goods in a second environment in which a second currency is a currency using the first amount of the first currency; the first currency is issued based on a first block chain, the second currency is issued based on a second block chain, and the first block chain and the second block chain are associated; the first currency and the second currency may provide an account of both parties to the transaction and a transaction amount at the time of transfer; the first block chain and the second block chain belong to parts corresponding to different environments on the same block chain;
a first deposit unit for depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
a first determining unit to determine a second amount of a second currency in a second fund pool corresponding to the first amount of the first currency in the first fund pool, the second fund pool being located in the second environment;
a second determination unit for determining whether the amount of the second currency in the second fund pool is sufficient;
a first transaction unit for conducting a transaction with the good in the second environment using a second amount of a second currency in a second fund pool through a second blockchain when the amount of the second currency in the second fund pool is sufficient;
and the locking unit is used for locking the first transaction request and starting a timer when the amount of the second currency in the second fund pool is insufficient, and canceling the first transaction request if the amount of the second currency in the second fund pool is insufficient after the timer is ended.
5. The apparatus according to claim 4, wherein the first determining unit is specifically configured to:
a second currency of a second amount in the second fund pool corresponding to the first amount of the first currency in the first fund pool is determined according to an exchange rate of the first currency and the second currency.
6. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program performs the steps of:
receiving a first transaction request in a first environment in which a first currency is a currency, the first transaction request including a first amount, the first transaction request requesting a transaction to be conducted using the first amount in a first currency and items in a second environment in which a second currency is a currency; the first currency is issued based on a first block chain, the second currency is issued based on a second block chain, and the first block chain and the second block chain are associated; the first currency and the second currency may provide an account of both parties to the transaction and a transaction amount at the time of transfer; the first block chain and the second block chain belong to parts corresponding to different environments on the same block chain;
depositing the first amount of the first currency into a first fund pool via a first blockchain, the first fund pool being located in the first environment;
determining whether an amount of a second currency in a second fund pool is sufficient, and when the amount of the second currency in the second fund pool is sufficient, determining a second currency in the second fund pool corresponding to the first currency of the first quantity in the first fund pool, the second fund pool being in the second environment;
in the second environment, transacting with the good through a second blockchain using the second amount of the second currency in the second fund pool;
and when the amount of the second currency in the second fund pool is insufficient, locking the first transaction request, starting a timer, and after the timer is ended, if the amount of the second currency in the second fund pool is insufficient, canceling the first transaction request.
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| CN102160069A (en) * | 2008-08-04 | 2011-08-17 | 维萨美国股份有限公司 | Application currency code for dynamic currency conversion transactions with contactless consumer transaction payment device |
| KR20170095451A (en) * | 2016-02-12 | 2017-08-23 | 최정우 | Method and system for oversea remittance using virtual currency |
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