CN114118987A - Cross-border remittance method and device based on block chain and electronic equipment - Google Patents
Cross-border remittance method and device based on block chain and electronic equipment Download PDFInfo
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Abstract
A block chain-based cross-border remittance method and device and electronic equipment are disclosed. In the method and the system, under the scene that the participants of the cross-border remittance comprise the mobility provider, the state of the cross-border remittance is maintained and promoted based on the intelligent contract arranged in the block chain, on one hand, the account arrival time of the cross-border remittance and the commission charge of an intermediate link are reduced, and the cross-border remittance efficiency is improved. On the other hand, each participant of the cross-border remittance can inquire the progress state of the cross-border remittance in real time and verify the progress state, so that the transparency and the safety of the cross-border remittance are improved.
Description
Technical Field
One or more embodiments of the present disclosure relate to the field of blockchain technologies, and in particular, to a method and an apparatus for cross-border remittance based on blockchain, and an electronic device.
Background
Cross-border remittance refers to a transaction in which a user remittance to a receiving account held by an overseas bank within a prescribed remittance limit. The conventional cross-border remittance is mainly realized by establishing a remittance channel based on a SWIFT (society for world wide international financial and telecommunications association, global banking and financial communications association) system. However, when cross-border remittance is performed based on SWIFT channels, since SWIFT system involves inter-bank transfers and manual operations of a plurality of intermediate banks, it results in poor timeliness and high commission fees for cross-border remittance, such as: it generally takes 2-5 days to transfer across borders to get account, and each intermediate link involved in the transfer is charged.
In addition, for consumer users (class C users) with small amount and frequency of cross-border remittance, although the fast-remittance company can provide a cross-border remittance scheme with an account from hour to hour, the fast-remittance scheme is based on the cross-border remittance transaction system of the fast-remittance company, and for commercial institutions (class B institutions) with large amount and frequency of cross-border remittance and self-owned cross-border remittance transaction systems, the centralized cross-border remittance transaction system of the fast-remittance company cannot be safely and truthfully based on.
The block chain technology, also called distributed ledger technology, is an emerging technology in which several computing devices participate in "accounting" together, and a complete distributed database is maintained together. The blockchain technology has been widely used in many fields due to its characteristics of decentralization, transparency, participation of each computing device in database records, and rapid data synchronization between computing devices.
Disclosure of Invention
The present specification provides a block chain based trans-border remittance method. Wherein intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located within a home has a remittance account opened at a first acquirer located within the home, a remittance receiver located outside the home has a collection account opened at a second acquirer located outside the home, a liquidity provider has a first account opened at the first acquirer and a second account opened at the second acquirer, the method comprising:
receiving an enquiry request for cross-border remittance initiated by a remittance initiator; wherein the request for price inquiry includes remittance information; in response to the price inquiry request, invoking a verification logic in the intelligent contract to store the remittance information in the blockchain, so that the liquidity provider can inquire the remittance information, and storing an inquiry result obtained by inquiry in the blockchain to be acquired by a remittance initiator;
receiving a cross-border remittance application request which is initiated by a remittance initiator and corresponds to the enquiry result; the cross-border remittance application request comprises a confirmation result that a remittance initiator confirms to remit according to the inquiry result;
invoking a deposit logic in an intelligent contract to deposit the confirmation result in the blockchain in response to the cross-border remittance application request, such that the liquidity provider performs a money transfer condition check based on the confirmation result, the enquiry result and the money transfer information, and upon the passage of the money transfer condition check and the confirmation of the check result corresponding to the money transfer condition check by the money transfer recipient, transferring, by a first receiving and payment institution, money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account, and calculating a remittance fund of a second currency corresponding to the remittance fund of the first currency by the second receivery institution based on the price inquiry result and the remittance information, and transferring, by a second payment receiving institution, the second currency money transfer funds from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
Optionally, the remittance information includes a remittance account number, a remittance amount, a first currency and a collection account number;
invoking a credentialing logic in the intelligent contract to save the remittance information in the blockchain, comprising:
and calling a storage logic in the intelligent contract to store the remittance account number, the remittance amount, the first currency and the collection account number in the block chain.
Optionally, the method further includes:
receiving a certificate storing request initiated by a liquidity provider and used for storing a price inquiring result obtained by price inquiring corresponding to the remittance information; wherein the evidence storing request comprises an inquiry result obtained by inquiry corresponding to the remittance information; the price inquiry result comprises a remittance candidate link, wherein the remittance candidate link comprises a remittance commission of a first currency relative to a second currency of liquidity provider support bedding and a remittance commission corresponding to the remittance amount at the remittance commission;
in response to the verification request, invoking verification logic in the intelligent contract to save the inquiry result in the blockchain, so that the remittance initiator initiates a cross-border remittance application based on the inquiry result.
Optionally, the confirmation comprises the money transfer initiator selecting a target money transfer link for performing money transfer from the money transfer candidate links;
the calling of the evidence storage logic in the intelligent contract saves the confirmation result in the block chain, and the calling of the evidence storage logic in the intelligent contract comprises the following steps:
invoking a deposit logic in the intelligent contract to deposit the target money transfer link in the blockchain.
Optionally, the method further includes:
receiving a certificate storing request initiated by a liquidity provider for storing the remittance condition check result; the remittance condition check result comprises a check result that the liquidity provider confirms whether the remittance application meets a preset remittance condition or not based on the confirmation result, the enquiry result and the remittance information;
and responding to the deposit request, invoking deposit logic in the intelligent contract to store the remittance condition check result in the blockchain, so that the remittance receiver confirms the remittance information based on the remittance condition check result, and depositing the confirmed confirmation result in the blockchain.
Optionally, when the money transfer condition check result is passed and the money transfer condition check result is confirmed to pass by the money transfer recipient, further comprising:
receiving a certificate storing request initiated by a first receiving and paying institution for storing and verifying frozen information for freezing the money of the money transfer fund of the first currency corresponding to the money transfer information; wherein the freeze information is indicative of a first amount of money transfer funds in a first currency deducted from the money transfer account;
and responding to the certificate storage request, calling a certificate storage logic in the intelligent contract to store the freezing information in the blockchain, so that the remittance initiator and the liquidity provider perform verification based on the freezing information and the remittance information, and storing the verified verification result in the blockchain.
Optionally, when the first payment and receipt institution verifies the verification result, the method further includes:
receiving a certificate storing request which is initiated by a first payment and receipt mechanism and used for storing the remittance information corresponding to the freezing information; wherein the remittance information is indicative of a second amount of remittance funds in the first currency to be remitted to the first account;
and in response to the verification request, invoking verification logic in the intelligent contract to store the remittance information in the blockchain, so that the remittance initiator and the liquidity provider verify whether the first amount and the second amount are consistent, and verifying the verification result in the blockchain.
Optionally, when the verification result is that the money transfer account passes and the first receiving and payment institution transfers money transfer funds of the first currency corresponding to the money transfer information to the first account, the method further includes:
receiving a certificate storing request for storing the fee deduction information initiated by a first payment and receipt mechanism; wherein the deduction information is indicative of a money transfer fund in a first currency corresponding to the money transfer information having been transferred from the money transfer account to a first account;
and in response to the evidence storing request, invoking evidence storing logic in the intelligent contract to store the deduction information in the blockchain so as to enable the second payment and receipt institution and the remittance receiver to obtain the deduction information.
Optionally, when the second payment receiving and paying institution calculates a third amount of remittance funds of the second currency corresponding to the remittance funds of the first currency based on the price enquiry result and the remittance information, and checks the third amount based on the deduction information, the method further includes:
receiving a certificate storing request for storing the third amount, which is initiated by the second payment and receipt mechanism;
in response to the deposit request, a deposit logic in the intelligent contract is invoked to deposit a third amount in the blockchain for retrieval and validation by the money transfer recipient and the liquidity provider.
Optionally, when the remittance receiver and the liquidity provider confirm that the third amount passes and the second remittance institution pre-remits the remittance funds in the second currency from the second account to the collection account, the method further comprises:
receiving a certificate storing request for storing a fourth amount of the money transfer funds of the second currency which are pre-transferred into the receiving account and initiated by the money transfer receiver;
and in response to the verification request, calling verification logic in the intelligent contract to store the fourth amount in the blockchain, so that the second payment and receipt institution and the liquidity provider verify whether the fourth amount and the third amount are consistent, and verifying the verification result in the blockchain.
Optionally, when the verification result is that the money transfer funds in the second currency of the fourth amount are passed and actually transferred to the collection account by the second receiving and payment mechanism, the method further includes:
receiving a certificate storing request for storing the actual transfer information, which is initiated by a second payment and receipt mechanism; wherein the actual transfer information is used for indicating that the remittance funds of the second currency corresponding to the remittance information are actually transferred to the receiving account;
and responding to the deposit request, invoking deposit logic in the intelligent contract to store the actual transfer information in the blockchain so as to enable the liquidity provider and the remittance receiver to obtain and confirm.
Optionally, when the actual transfer information is confirmed to pass by the liquidity provider and the remittance receiver, the method further includes:
receiving a certificate storage request for storing the cross-border remittance to the receipt information, which is initiated by the remittance receiver;
and in response to the deposit request, invoking deposit logic in the intelligent contract to store the cross-border remittance-to-receipt information in the blockchain so as to be acquired by the liquidity provider, the second collection and payment mechanism, the first collection and payment mechanism and the remittance initiator.
Optionally, the block chain is a federation chain.
The present specification also provides a block chain based trans-border remittance apparatus; intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has a remittance account opened at a first institution located in the home, a remittance receiver located outside the home has a collection account opened at a second institution located outside the home, and a liquidity provider has a first account opened at the first institution and a second account opened at the second institution, the apparatus comprising:
the receiving module is used for receiving a price inquiry request aiming at cross-border remittance initiated by a remittance initiator; wherein the request for price inquiry includes remittance information; in response to the price inquiry request, invoking a verification logic in the intelligent contract to store the remittance information in the blockchain, so that the liquidity provider can inquire the remittance information, and storing an inquiry result obtained by inquiry in the blockchain to be acquired by a remittance initiator;
receiving a cross-border remittance application request which is initiated by a remittance initiator and corresponds to the enquiry result; the cross-border remittance application request comprises a confirmation result that a remittance initiator confirms to remit according to the inquiry result;
a remittance module for responding the cross-border remittance application request, calling a storage logic in the intelligent contract to store the confirmation result in the block chain, such that the liquidity provider performs a money transfer condition check based on the confirmation result, the enquiry result and the money transfer information, and upon the passage of the money transfer condition check and the confirmation of the check result corresponding to the money transfer condition check by the money transfer recipient, transferring, by a first receiving and payment institution, money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account, and calculating a remittance fund of a second currency corresponding to the remittance fund of the first currency by the second receivery institution based on the price inquiry result and the remittance information, and transferring, by a second payment receiving institution, the second currency money transfer funds from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
Optionally, the remittance information includes a remittance account number, a remittance amount, a first currency and a collection account number;
the money transfer module further:
and calling a storage logic in the intelligent contract to store the remittance account number, the remittance amount, the first currency and the collection account number in the block chain.
Optionally, the method further includes:
the receiving module is further used for receiving a certificate storage request initiated by the liquidity provider for storing a price inquiry result obtained by the price inquiry corresponding to the remittance information; wherein the evidence storing request comprises an inquiry result obtained by inquiry corresponding to the remittance information; the price inquiry result comprises a remittance candidate link, wherein the remittance candidate link comprises a remittance commission of a first currency relative to a second currency of liquidity provider support bedding and a remittance commission corresponding to the remittance amount at the remittance commission;
the remittance module is further used for responding to the deposit request, calling deposit logic in the intelligent contract to store the price inquiring result in the block chain, and enabling the remittance initiator to initiate the cross-border remittance application based on the price inquiring result.
Optionally, the confirmation comprises the money transfer initiator selecting a target money transfer link for performing money transfer from the money transfer candidate links;
the money transfer module further:
invoking a deposit logic in the intelligent contract to deposit the target money transfer link in the blockchain.
Optionally, the method further includes:
the receiving module further receives a certificate storing request initiated by the liquidity provider for storing the remittance condition check result; the remittance condition check result comprises a check result that the liquidity provider confirms whether the remittance application meets a preset remittance condition or not based on the confirmation result, the enquiry result and the remittance information;
the remittance module is further used for responding to the storage request, calling storage logic in the intelligent contract to store the remittance condition check result in the blockchain, so that the remittance receiver confirms the remittance information based on the remittance condition check result and stores the confirmed confirmation result in the blockchain.
Optionally, when the money transfer condition check result is passed and the money transfer condition check result is confirmed to pass by the money transfer recipient, further comprising:
the receiving module further receives a certificate storing request initiated by a first receiving and paying mechanism for storing and verifying the frozen information for freezing the money of the money transfer fund of the first currency corresponding to the money transfer information; wherein the freeze information is indicative of a first amount of money transfer funds in a first currency deducted from the money transfer account;
the remittance module is further used for responding to the storage request, calling storage logic in the intelligent contract to store the freezing information in the block chain, so that the remittance initiator and the liquidity provider can check based on the freezing information and the remittance information, and storing the checked result in the block chain.
Optionally, when the first payment and receipt institution verifies the verification result, the method further includes:
the receiving module further receives a certificate storing request which is initiated by a first payment and receipt mechanism and used for storing the remittance information corresponding to the freezing information; wherein the remittance information is indicative of a second amount of remittance funds in the first currency to be remitted to the first account;
the remittance module is further used for responding to the verification storage request, calling verification storage logic in the intelligent contract to store the remittance information in the blockchain, enabling the remittance initiator and the liquidity provider to check whether the first amount and the second amount are consistent or not, and storing the verification result in the blockchain.
Optionally, when the verification result is that the money transfer account passes and the first receiving and payment institution transfers money transfer funds of the first currency corresponding to the money transfer information to the first account, the method further includes:
the receiving module further receives a certificate storing request for storing the fee deduction information initiated by the first payment and receipt mechanism; wherein the deduction information is indicative of a money transfer fund in a first currency corresponding to the money transfer information having been transferred from the money transfer account to a first account;
the remittance module is further used for responding to the evidence storing request and calling evidence storing logic in the intelligent contract to store the deduction information in the blockchain so as to enable a second receiving and paying mechanism and a remittance receiver to obtain the deduction information.
Optionally, when the second payment receiving and paying institution calculates a third amount of remittance funds of the second currency corresponding to the remittance funds of the first currency based on the price enquiry result and the remittance information, and checks the third amount based on the deduction information, the method further includes:
the receiving module further receives a certificate storing request for storing a third amount, which is initiated by a second payment and receipt mechanism;
the remittance module is further configured to invoke a deposit logic in the intelligent contract to store a third amount in the blockchain in response to the deposit request for acquisition and confirmation by the remittance recipient and the liquidity provider.
Optionally, when the remittance receiver and the liquidity provider confirm that the third amount passes and the second remittance institution pre-remits the remittance funds in the second currency from the second account to the collection account, the method further comprises:
the receiving module is further used for receiving a evidence storing request for storing a fourth amount of the remittance funds of the second currency, which are pre-remitted into the collection account, initiated by the remittance receiver;
the remittance module is further configured to invoke a credentialing logic in the intelligent contract to save a fourth amount in the blockchain in response to the credentialing request, so that the second payee and liquidity provider verify whether the fourth amount and the third amount are consistent and to credit a verification result in the blockchain.
Optionally, when the verification result is that the money transfer funds in the second currency of the fourth amount are passed and actually transferred to the collection account by the second receiving and payment mechanism, the method further includes:
the receiving module further receives a certificate storing request for storing the actual transfer information, which is initiated by the second payment and receipt mechanism; wherein the actual transfer information is used for indicating that the remittance funds of the second currency corresponding to the remittance information are actually transferred to the receiving account;
the remittance module is further used for responding to the evidence storage request, calling evidence storage logic in the intelligent contract to store the actual transfer information in the blockchain, so that the liquidity provider and the remittance receiver can obtain and confirm the actual transfer information.
Optionally, when the actual transfer information is confirmed to pass by the liquidity provider and the remittance receiver, the method further includes:
the receiving module is further used for receiving a certificate storage request for storing the cross-border remittance to the receipt information, which is initiated by the remittance receiver;
the remittance module is further used for responding to the deposit request and calling deposit logic in the intelligent contract to store the cross-border remittance to account receipt information in the blockchain so as to enable the liquidity provider, the second collection and payment mechanism, the first collection and payment mechanism and the remittance initiator to obtain the cross-border remittance to account receipt information.
Optionally, the block chain is a federation chain.
The application also provides an electronic device, which comprises a communication interface, a processor, a memory and a bus, wherein the communication interface, the processor and the memory are mutually connected through the bus;
the memory stores machine-readable instructions, and the processor executes the method by calling the machine-readable instructions.
The present application also provides a machine-readable storage medium having stored thereon machine-readable instructions which, when invoked and executed by a processor, implement the above-described method.
In the technical scheme, under the scene that the participants of the cross-border remittance comprise the mobility provider, the state of the cross-border remittance is maintained and promoted based on the intelligent contract arranged in the block chain, on one hand, the account arrival time of the cross-border remittance and the commission charge of the intermediate link are reduced, and the cross-border remittance efficiency is improved. On the other hand, each participant of the cross-border remittance can inquire the progress state of the cross-border remittance in real time and verify the progress state, so that the transparency and the safety of the cross-border remittance are improved.
Drawings
Fig. 1 is a block chain networking diagram for intelligent contract-based cross-border remittance according to an embodiment of the present disclosure;
FIG. 2 is a flow chart of a block chain based trans-border remittance method provided by an embodiment of the present description;
FIG. 3 is a schematic diagram of an interactive process for intelligent contract-based cross-border remittance according to one embodiment of the present disclosure;
fig. 4 is a schematic structural diagram of an electronic device provided in an embodiment of the present specification;
fig. 5 is a block diagram of a block chain-based cross-border money transfer device according to an embodiment of the present disclosure.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification. Rather, they are merely examples of apparatus and methods consistent with certain aspects of one or more embodiments of the specification, as detailed in the claims which follow.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.
Referring to fig. 1, fig. 1 is a schematic diagram illustrating a block chain for cross-border money transfer based on an intelligent contract according to an embodiment of the present disclosure.
As shown in fig. 1, the network comprises a block chain, a remittance initiator, a first receiving and paying institution, a liquidity provider, a second receiving and paying institution and a remittance receiver; wherein, intelligent contracts used for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has opened a remittance account at a first institution located in the home, a remittance receiver located outside the home has opened a collection account at a second institution located outside the home, and a liquidity provider has opened a first account at the first institution and a second account at the second institution; the remittance initiator, the first receiving and payment mechanism, the liquidity provider, the second receiving and payment mechanism and the remittance receiver can be used as node equipment of the block chain to be added into the block chain network to jointly maintain the block chain account book.
In practical applications, the remittance initiator, the first receiving and payment mechanism, the liquidity provider, the second receiving and payment mechanism, and the remittance receiver may also access the blockchain by maintaining connection with the node devices on the blockchain, instead of adding the node devices to the blockchain, and persistently store data generated by the block chain.
In order to solve the technical problems mentioned in the background art, based on the networking architecture shown in fig. 1, the present specification aims to provide a technical solution for maintaining and promoting the state of participating in cross-border remittance among a plurality of organizations including a liquidity provider based on an intelligent contract deployed in a blockchain.
In implementation, intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has a remittance account opened by a first receiving and payment institution located in the home, a remittance receiver located outside the home has a reception account opened by a second receiving and payment institution located outside the home, and a liquidity provider has a first account opened by the first receiving and payment institution and a second account opened by the second receiving and payment institution.
Further, the blockchain receives an inquiry request for the cross-border remittance initiated by the remittance initiator; wherein the request for price inquiry includes remittance information; in response to the request for money transfer, a validation logic in the intelligent contract is invoked to store the money transfer information in the blockchain, so that the liquidity provider can perform the money transfer information on the money transfer inquiry, and a money transfer result obtained by the money transfer inquiry is stored in the blockchain to be obtained by the money transfer initiator.
Further, the block link receives a cross-border remittance application request which is initiated by the remittance initiator and corresponds to the price inquiry result; the cross-border remittance application request comprises a confirmation result that the remittance initiator confirms to remit according to the inquiry result.
Further, in response to the cross-border remittance application request, invoking a saving logic in the intelligent contract to save the confirmation result in the blockchain, so that the liquidity provider performs remittance condition check based on the confirmation result, the price inquiry result and the remittance information, when the remittance condition check is passed and the check result corresponding to the remittance condition check is confirmed to pass by the receiver, transferring a first currency remittance fund corresponding to the remittance information from the remittance account to the first account by the first payment receiving and paying mechanism, calculating a second currency remittance fund corresponding to the first currency remittance fund based on the price inquiry result and the remittance information by the second payment receiving and paying mechanism, and transferring the second currency remittance fund from the second account to the remittance account by the second payment receiving and paying mechanism to complete the cross-border remittance corresponding to the cross-border remittance request.
In the technical scheme, under the scene that the participants of the cross-border remittance comprise the mobility provider, the state of the cross-border remittance is maintained and promoted based on the intelligent contract arranged in the block chain, on one hand, the account arrival time of the cross-border remittance and the commission charge of the intermediate link are reduced, and the cross-border remittance efficiency is improved. On the other hand, each participant of the cross-border remittance can inquire the progress state of the cross-border remittance in real time and verify the progress state, so that the transparency and the safety of the cross-border remittance are improved.
The present specification is described below with reference to specific embodiments and specific application scenarios.
Referring to fig. 2, fig. 2 is a flow chart of a block chain based trans-border money transfer method according to an exemplary embodiment; intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has opened a remittance account at a first institution located in the home, a remittance receiver located outside the home has opened a collection account at a second institution located outside the home, and a liquidity provider has opened a first account at the first institution and a second account at the second institution; the method comprises the following steps:
Blockchains are generally divided into three types: public chain (Public Blockchain), Private chain (Private Blockchain) and alliance chain (Consortium Blockchain). Furthermore, there may be a combination of the above types, such as private chain + federation chain, federation chain + public chain, and so on.
Among them, the most decentralized is the public chain. The public chain is represented by bitcoin and ether house, and participants (also called nodes in the block chain) joining the public chain can read data records on the chain, participate in transactions, compete for accounting rights of new blocks, and the like. Moreover, each node can freely join or leave the network and perform related operations.
Private chains are the opposite, with the network's write rights controlled by an organization or organization and the data read rights specified by the organization. Briefly, a private chain may be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for use within a particular establishment.
A federation chain is a block chain between a public chain and a private chain, and "partial decentralization" can be achieved. Each node in a federation chain typically has a physical organization or organization corresponding to it; the nodes are authorized to join the network and form a benefit-related alliance, and block chain operation is maintained together.
In this specification, the blockchain is any type of blockchain in which an intelligent contract for cross-border remittance is deployed; the specific type of the block chain may include any one of a public chain, a private chain, and a federation chain.
For example, in practical applications, the block chain may be a federation chain.
In this specification, the remittance originator may include any commercial establishment (class B establishment) located in a local area, which has a large amount and frequency of cross-border remittance and has a cross-border remittance transaction system.
For example, the remittance initiator may be a payroll system or other third-party financial institution located in a local area and having a cross-border remittance transaction system.
In this specification, the first payment and receipt institution may include a banking institution located in a home to support cross-border remittance; wherein the remittance initiator opens a remittance account at the first receiving and paying institution.
Continuing with the above example, the first payment and receipt institution, which may be a hangul bank located in the home to support cross-border remittance, opens a bank account (remittance account) for cross-border remittance at the hangul bank.
In this specification, the second payment and receipt institution may include a banking institution located abroad and supporting the cross-border remittance.
Continuing with the above example, the second payment and receipt institution may be, in particular, a national branch of Douglas bank supporting cross-border remittance located abroad.
In this specification, the money transfer recipient may include any type of money transfer recipient located outside the country for receiving the cross-border money transfer of the second receipt and payment institution.
Continuing with the above example, the remittance recipient may specifically include a class C user or a class B organization that opens a bank account (collection account) at the national branch of douglas-bang. Such as: taking the remittance receiver as a class B organization as an example, the remittance receiver may include a third party payment organization or a third party bank that opens a bank account at the national branch of douglas-bang, such as: the money transfer recipient may specifically be a U.S. branch of the Fund bank that has opened a bank account at the U.S. branch of Douglas Bank.
In this specification, the liquidity Provider may include a liquidity Provider (Liquid Provider) that opens a first account in the first receiving and payment institution and opens a second account in the second receiving and payment institution;
the liquidity provider can provide a provider of fund transfer, payment underlay and currency exchange in the process that the remittance initiator performs cross-border remittance to the remittance receiver through the first receiving and paying institution and the second receiving and paying institution.
Continuing the example from the above example, the liquidity provider may specifically include a branch bank opened by a citizens bank, such as: hangzhou branch of American ginseng bank; the Hangzhou branch of the Douglas bank opens a first account at the Hangzhou branch of the recruiter bank and opens a second account at the American branch of the Douglas bank.
The remittance initiator, the first receiving and paying institution, the liquidity provider, the second receiving and paying institution, and the remittance receiver may be added to a blockchain network as node devices of a blockchain to commonly maintain a blockchain account book. In practice, the remittance initiator, the first receiving/payment mechanism, the liquidity provider, the second receiving/payment mechanism, and the remittance receiver may access the blockchain by maintaining a connection with a node device on the blockchain, instead of adding the node device to the blockchain, and persistently store data generated by the block chain.
In this specification, when the remittance originator located inside places the cross-border remittance to the remittance receiver located outside, the remittance originator may issue an inquiry request for the cross-border remittance to the block chain.
In this specification, the block chain receives the cross-border remittance request from the remittance originator; wherein the cross-border remittance request comprises remittance information;
continuing the example above, the blockchain accepts an inquiry request for a cross-border remittance initiated by the payroll system; wherein the request for quote includes remittance information.
In this specification, in response to the request for money transfer, the blockchain invokes a validation logic in the intelligent contract to store the money transfer information in the blockchain, so that the liquidity provider performs a money transfer query on the money transfer information, and stores a price query result obtained by the price query in the blockchain to be obtained by the money transfer initiator.
Continuing the example above, in response to a request for a cross-border remittance from the payroll system, the blockchain invokes the validation logic in the intelligent contract to store remittance information a in the blockchain, so that the douglas chequer bank hangzhou branch (liquidity provider) makes a query for remittance information a.
In one embodiment shown, the remittance information includes a remittance account number, a remittance amount, a first currency, and a collection account number; in the process of calling the evidence storage logic in the intelligent contract to store the remittance information in the block chain, the block chain calls the evidence storage logic in the intelligent contract to store the remittance account number, the remittance amount, the first currency and the collection account number in the block chain.
Continuing with the example above, the blockchain invokes the deposit logic in the smart contract to deposit a remittance account number (such as may include a username, card number of the remittance account of the remittance originator), a remittance amount, a first currency (such as may include Renminbi), and a recipient account number (such as may include a username, card number of the recipient's recipient account) in the blockchain.
In this specification, after the remittance information is stored in the block chain, the liquidity provider acquires the remittance information and provides an inquiry corresponding to the remittance information.
Continuing with the above example, the citizens bank hangzhou branch (liquidity provider) may query the remittance information a of the chain deposit certificate and store a query result B obtained by the query in the blockchain for the payroll system to obtain.
In one illustrated embodiment, the blockchain receives a request for evidence deposit from the liquidity provider for evidence deposit of a price inquiry result from a price inquiry corresponding to the remittance information;
wherein, the evidence storing request comprises an inquiry result obtained by inquiry corresponding to the remittance information; the price inquiry result comprises a remittance candidate link, and the remittance candidate link comprises a remittance commission of a first currency relative to a remittance rate of a second currency of the liquidity provider support bedding and a remittance fee corresponding to the remittance amount at the remittance rate.
Continuing the example above, the deposit request includes a price inquiry result B obtained by the price inquiry corresponding to the remittance information a; the price inquiry result B may include at least one money transfer candidate link, each of which includes a transfer rate H of a first currency (e.g., Renminbi) relative to a second currency (e.g., U.S. dollars) of the Hangzhou division of the Tsugaku bank (liquidity provider) supporting the underlying money and a corresponding money transfer commission C (e.g., 1 ten thousand RMB) of the money transfer amount included in the money transfer information A at the transfer rate H (e.g., the corresponding money transfer commission is charged by a predetermined percentage of the money transfer amount).
In this specification, in response to the verification request, the blockchain invokes a verification logic in an intelligent contract to store the price inquiry result in the blockchain, so that the remittance initiator initiates a cross-border remittance application based on the price inquiry result.
Continuing the example above, in response to the validation request, the blockchain invokes the validation logic in the smart contract to save a price inquiry result B in the blockchain, such that the payment system (the money transfer initiator) initiates a cross-border money transfer application based on the price inquiry result B.
In this specification, after the inquiry result is verified in the block chain, the remittance initiator may obtain the inquiry result from the block chain and initiate a cross-border remittance application request corresponding to the inquiry result.
In this specification, the block chain receives a cross-border remittance application request corresponding to the inquiry result from a remittance initiator; wherein, the cross-border remittance application request comprises a confirmation result of the remittance initiator confirming the remittance according to the enquiry result.
Continuing the example from the above example, the block link accepts the cross-border remittance application request corresponding to the enquiry result B initiated by the payment system; the cross-border remittance application request comprises a confirmation result C that the payment system confirms remittance according to the inquiry result B.
In this specification, the blockchain calls a validation logic in the intelligent contract to save the confirmation result in the blockchain in response to the cross-border remittance request, so that the liquidity provider performs a remittance condition check based on the confirmation result, the inquiry result and the remittance information, and when the remittance condition check is passed and a check result corresponding to the remittance condition check is confirmed by the remittance receiver, the remittance fund of the first currency corresponding to the remittance information is transferred from the remittance account to a first account by the first remittance institution, and a remittance of a second currency corresponding to the remittance fund of the first currency is calculated by the second remittance institution based on the inquiry result and the remittance information, and the remittance of the second currency is transferred from the second account to the remittance account by the second payment institution, to complete the cross-border money transfer corresponding to the cross-border money transfer request.
Continuing with the above example, the blockchain invokes the evidence-saving logic in the intelligent contract to save the confirmation result C in the blockchain in response to the cross-border remittance application request, so that the douglas-bang bank hangzhou branch (liquidity provider) performs a remittance condition check based on the confirmation result C, the enquiry result B and the remittance information a, and transfers the renminbi remittance fund (first currency fund remittance) corresponding to the remittance information a from the remittance account to the first account by the recruiter bank hangzhou branch (first payment institution) when the remittance condition check passes and the check result D corresponding to the remittance condition check is confirmed by the fuggy bank american branch (remittance receiver), and further calculates a remittance fund (second currency remittance fund) corresponding to the renminbi remittance fund (first currency fund) based on the enquiry result B and the remittance information a by the douglas-bang bank american branch (second payment institution), and the U.S. branch of Douglas Bank (second receiving and paying institution) transfers the dollar money transfer funds (second currency money transfer funds) from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
In one illustrated embodiment, the confirmation comprises the money transfer originator selecting a target money transfer link from the money transfer candidate links to perform the money transfer.
Continuing the example above with the example of the money transfer candidate links including 10 money transfer candidate links, confirmation result C may include the paymate system (money transfer initiator) selecting one or more target money transfer links from the 10 money transfer candidate links to perform the money transfer. In practical applications, the PAS system may perform targeted remittance link screening based on selected preferences or preset conditions of the remittance user, such as: the target money transfer links may be ranked according to the transfer rate and screened based on the ranking, such as: the target money transfer links may be ranked according to the amount of money transfer to account time and screened based on the ranking.
In this specification, the method may further comprise, in the process of invoking the evidence logic in the intelligent contract to store the confirmation result in the blockchain, invoking the evidence logic in the intelligent contract to store the target remittance link in the blockchain.
Continuing the example above, the blockchain may invoke the credentialing logic in the intelligent contract to save the target money transfer link included in the confirmation result C in the blockchain.
In one embodiment, after the confirmation result is stored in the block chain, the floating provider may confirm whether the remittance application satisfies a predetermined remittance condition based on the confirmation result, the enquiry result and the remittance information, and submit the remittance condition check result to the block chain.
Continuing with the above example, the citizens bank hangzhou branch (liquidity provider) performs a remittance condition check based on the confirmation result C, the enquiry result B and the remittance information a, and submits a check result D corresponding to the remittance condition check to the block chain for evidence storage.
The remittance condition check includes specific contents, and is not particularly limited in this specification. Such as: in practical applications, the remittance condition check may specifically include any one or a combination of checking whether the first account and the second account are normal (not blocked) and whether the balance of account funds of the corresponding currency in the first account and the second account is sufficient, whether the target remittance link is normal, whether the remittance rate and remittance fee change require re-ordering, and whether the remittance fund amount and usage exceed regulatory limits according to the confirmation result C, the enquiry result B and the remittance information a.
The remittance condition check result comprises a check result that the liquidity provider confirms whether the remittance application meets a preset remittance condition or not based on the confirmation result, the enquiry result and the remittance information;
the money transfer condition check result may specifically include a check result indicating whether the money transfer condition check is passed or not passed.
In this specification, the block chain further receives a deposit request for depositing the remittance condition check result from the liquidity provider; in response to the deposit request, invoking deposit logic in the intelligent contract to store the remittance condition check result in the blockchain, so that the remittance receiver confirms the remittance information based on the remittance condition check result, and depositing the confirmed confirmation result in the blockchain.
Continuing the example from the above example, the regional chain receives a certificate deposit request initiated by a hangzhou branch (liquidity provider) of the douglas-bang bank for depositing the remittance condition check result D; in response to the deposit request, deposit logic in the intelligent contract is invoked to store the remittance condition check result D in the blockchain, so that the U.S. branch of the wealthy bank (remittance receiver) confirms the remittance information a based on the remittance condition check result D and deposits the confirmed confirmation result E in the blockchain.
In one embodiment, when the remittance condition check result is passed and the remittance condition check result is confirmed to pass by the remittance receiver, the blockchain receives a deposit request for depositing frozen information for freezing a remittance fund of a first currency corresponding to the remittance information, the frozen information being originated by the first receiving and paying institution; wherein the freeze information is indicative of a first amount of money transfer funds in a first currency deducted from the money transfer account.
Continuing the example from the above, when the remittance condition check result E is that the remittance condition check is passed and the remittance condition check result E is confirmed to pass by the U.S. branch (remittance receiver) of the rich bank, the block link receives a deposit request for depositing the frozen information F for freezing the money of the rmb (remittance money of the first currency) corresponding to the remittance information a, which is initiated by the hangzhou branch (first receiving and paying institution) of the recruiter bank; wherein the frozen information is indicative of a first amount of renminbi (first currency remittance funds) deducted from a remittance account of the tender system.
In this specification, in response to the deposit request, the block chain calls a deposit logic in the intelligent contract to store the freeze information in the block chain so that the remittance originator and the liquidity provider perform collation based on the freeze information and the remittance information, and deposit a collation result after the collation in the block chain.
Continuing the example from the above example, in response to the deposit request, the blockchain invokes the deposit logic in the intelligent contract to store the freeze information F in the blockchain, so that the payment system (remittance initiator) and the douglas-chequer bank hangzhou branch (liquidity provider) respectively check based on the freeze information F and the remittance information a, and respectively deposit the checked check result G1 and the check result G2 in the blockchain. For example, in practical applications, the payroll system (remittance initiator) and the hangzhou state branch of the citizens bank (liquidity provider) can check whether the first amount in the frozen information F is consistent with the remittance amount in the remittance information a, so that the risk that the first payee or the corresponding block link point thereof is badly damaged or the amount of the frozen funds of the first payee is maliciously tampered when the first payee is hacked or invaded by virus can be avoided.
In practical applications, the verification result may specifically include a result of the money transfer initiator and the liquidity provider verifying the freeze information to be passed or not to be passed.
In one embodiment, when the first payment and receipt institution verifies the verification result, the blockchain receives a certificate storing request initiated by the first payment and receipt institution to store the remittance information corresponding to the frozen information; wherein the remittance information is indicative of a second amount of remittance funds in the first currency to be remitted to the first account.
Continuing to illustrate the above example, when the verification result G1 and the verification result G2 are verified by the hangul bank hangzhou branch (first payment and receipt institution), the blocking link receives a deposit request initiated by the hangul bank hangzhou branch (first payment and receipt institution) for depositing the imported information H corresponding to the frozen information F; wherein the remittance information H is for indicating a second amount of the rmb (money remittance funds in the first currency) remitted to the first account.
In this specification, in response to the deposit request, a deposit logic in the intelligent contract is called to store the remittance information in the blockchain, so that the remittance initiator and the liquidity provider check whether the first amount and the second amount are the same, and a check result is deposited in the blockchain.
Continuing the example from the above example, in response to the credentialing request, invoking credentialing logic in the intelligent contract to save the remittance information H in the blockchain, so that the paymate system (remittance initiator) and the douglas-chequer bank hangzhong branch (liquidity provider) verify whether the first amount and the second amount are consistent, and crediting the verification result J in the blockchain. This prevents the first payment and receipt institution or its corresponding block chain node from doing malicious fraud or the risk of malicious tampering with the amount of funds remitted by the first payment and receipt institution upon hacking or virus intrusion.
It should be noted that, in practical applications, the verification result may specifically include a result that the verification passes or a result that the verification fails.
In one embodiment, when the verification result is that the first receiving and payment institution passes and the first receiving and payment institution transfers the money transfer fund of the first currency corresponding to the money transfer information from the money transfer account to the first account, the blockchain receives a certificate storage request initiated by the first receiving and payment institution for storing the fee deduction information; wherein the deduction information is used to indicate that money transfer funds of a first currency corresponding to the money transfer information have been transferred from the money transfer account to a first account.
Continuing the example from the above example, when the verification result J is passed and the hunter bank hang state branch (first receiving and paying institution) has transferred the money transfer fund of the first currency corresponding to the money transfer information H from the money transfer account to the first account, the block link receives a deposit request initiated by the hunter bank hang state branch (first receiving and paying institution) for depositing the deduction information K; wherein the deduction information K is used to indicate that money transfer funds in the first currency corresponding to the money transfer information H have been transferred from the money transfer account to the first account.
In this specification, in response to the receipt request, the receipt logic in the intelligent contract is invoked to store the deduction information in the block chain so that the second payment and receipt institution and the remittance recipient can obtain the deduction information.
Continuing the example from the above example, in response to the deposit request, invoking deposit logic in the intelligent contract to store the deduction information K in the blockchain for retrieval by the doubtful bank U.S. branch (second payment and receipt institution) and the fudge bank U.S. branch (remittance recipient).
In one embodiment, when the second payment and receipt institution calculates a third amount of remittance funds of a second currency corresponding to the remittance funds of the first currency based on the inquiry result and the remittance information, and verifies the third amount based on the deduction information, the blockchain receives a deposit request initiated by the second payment and receipt institution for depositing the third amount; and in response to the deposit request, invoking deposit logic in the intelligent contract to store a third amount in the blockchain, so that the remittance receiver and the liquidity provider can obtain and confirm the third amount.
Continuing the example from the above, when a douglas-bang-bank U.S. branch (second payment institution) calculates a third amount of dollar remittance funds (second currency remittance funds) corresponding to the RMB remittance funds (first currency remittance funds) based on the enquiry result B and the remittance information A and verifies the third amount based on the deduction information K (for example, whether the product of the remittance funds related in the deduction information K and the remittance rate related in the enquiry result B is consistent with the third amount or not and if the product is consistent with the third amount, the third amount is deposited), the douglas-bang-bank U.S. branch (second payment institution) initiates a deposit request for depositing the third amount; in response to the deposit request, the deposit logic in the intelligent contract is invoked to deposit a third amount in the blockchain for acquisition and validation by the U.S. branch of the Fund bank (the remittance recipient) and the Hangzhou branch of the Douglas bank (the liquidity provider).
In one embodiment, when the recipient and the liquidity provider confirm that the third amount is passed and the second receiving and paying institution pre-remits the money transfer of the second currency from the second account to the receiving account, the blockchain receives a verification request initiated by the recipient to verify a fourth amount of the money transfer of the second currency pre-remitted to the receiving account, calls a verification logic in the intelligent contract to store the fourth amount in the blockchain in response to the verification request, so that the second receiving and paying institution and the liquidity provider verify whether the fourth amount and the third amount are the same, and stores the verification result in the blockchain.
Continuing the example above, where the wealthy bank U.S. branch (remittance recipient) and the Douglas bank Hangzhou branch (liquidity provider) confirm passage of the third amount and the Douglas bank U.S. branch (second acquirer) pre-remits a dollar remittance fund (second currency remittance fund) from the second account to the collection account, the blockchain receives a credentialing request initiated by the U.S. branch of the wealthy bank (the remittance receiver) for crediting a fourth amount of dollar remittance funds (second currency remittance funds) which are pre-remitted to the collection account, calls credentialing logic in the intelligent contract to save the fourth amount in the blockchain in response to the credentialing request, so that the American branch (second payment and receipt institution) of the Douglas bank and the Hangzhou branch (liquidity provider) of the Douglas bank verify whether the fourth amount and the third amount are consistent, and store the verification result L in the blockchain.
In one embodiment, when the verification result is that the money transfer account passes and a fourth amount of money transfer funds in a second currency is actually transferred to the collection account by the second payment and receipt institution, the blockchain receives a certificate storage request initiated by the second payment and receipt institution for storing the actually transferred information; wherein the actual transfer information is used for indicating that the remittance funds of the second currency corresponding to the remittance information are actually transferred to the receiving account.
Continuing the example from the above example, when the verification result L is a verification pass and a fourth amount of dollar remittance funds (second currency remittance funds) is actually transferred to the collection account by the douglas-bang-bank U.S. branch (second collection and payment institution), the block links the certificate deposit request initiated by the douglas-bang-bank U.S. branch (second collection and payment institution) for depositing the actual transfer information M; wherein the actual transfer information M is used to indicate that a fourth amount of money transfer funds in the second currency corresponding to the money transfer information a has been actually transferred to the recipient account.
In this specification, the step of calling the certification logic in the intelligent contract to store the actual transfer information in the blockchain in response to the certification request so that the liquidity provider and the remittance recipient can obtain and confirm the actual transfer information.
Continuing the example from the above example, in response to the credentialing request, invoking credentialing logic in the intelligent contract to save the actual transfer information M in the blockchain for the douglas-bang bank hangzhou branch (liquidity provider) and the fuguo bank U.S. branch (money transfer recipient) to obtain and confirm
In one embodiment, the blockchain receives a deposit request for depositing cross-border remittance to receipt information from the remittance recipient when the actual transfer information is confirmed to pass by the liquidity provider and the remittance recipient; and in response to the evidence storage request, invoking evidence storage logic in the intelligent contract to store the cross-border remittance-to-receipt information in the blockchain so as to enable the liquidity provider, the second collection and payment mechanism, the first collection and payment mechanism and the remittance initiator to obtain the cross-border remittance-to-receipt information.
Continuing the example from the above example, when the actual transfer information M is confirmed to pass by the hangzhou branch of the citizen bank (liquidity provider) and the u.s.branch of the wealthy bank (remittance receiver), the block link receives a deposit request initiated by the u.s.branch of the wealthy bank (remittance receiver) for depositing the cross-border remittance to the receipt information N; in response to the deposit request, the deposit logic in the intelligent contract is invoked to store the cross-border remittance to receipt information N in the blockchain for retrieval by the douglas-bang bank hangzhou branch (liquidity provider), the douglas-bang bank U.S. branch (second acquirer), the recruiter bank hangzhou branch (first acquirer), and the tender system (sender of the remittance), so that each participant involved in the cross-border remittance can quickly determine that the cross-border remittance has been completed.
In the above-described embodiments, in the process of invoking the intelligent contract to perform cross-border remittance, when each participant (remittance initiator, liquidity provider, first payment receiving and payment receiving entity, remittance receiving entity) of cross-border remittance confirms and verifies various information (for example, remittance information and various information related to the remittance information) in the cross-border remittance transaction process, the confirmation party of the various information may be checked to see whether the confirmation party of the various information is completely consistent with each participant set at the time of initial creation of the intelligent contract, in addition to the specific contents of the various information; in addition, it may further detect whether the accounts (money transfer account, first account, second account, and collection account) respectively corresponding to each participant of the cross-border money transfer are blocked in real time, such as: in practical applications, during cross-border remittance, any one or more of the remittance account of the remittance initiator, the first account of the liquidity provider, the second account of the liquidity provider, and the collection account of the remittance receiver may be frozen due to internal verification of the wind-controlled anti-money-washing system of each participant who fails cross-border remittance or verification of the remittance wind-controlled anti-money-washing system of the national regulatory agency, at which time, various confirmation results and verification results related to the above embodiments are set to fail by the corresponding participants; otherwise, it is set to pass by the respective participant.
For convenience of overall understanding, please refer to fig. 3, which is a schematic diagram of an interactive process for cross-border money transfer based on smart contracts according to an embodiment of the present disclosure.
The block chain in fig. 3 including the remittance initiator, the liquidity provider, the first receiving and paying institution, the second receiving and paying institution, the remittance receiver, and the intelligent contract deployed for cross-border remittance is the same as that described in fig. 1, and will not be described again here.
As shown in fig. 3, the interaction between the sender of the money transfer, the liquidity provider, the first receiving and paying institution, the second receiving and paying institution, the receiver of the money transfer and the blockchain with the intelligent contract for the cross-border money transfer is deployed comprises the following steps: s301, storing remittance information in a block chain for inquiring the liquidity provider; s302, inquiring the remittance information, storing the inquiry result in a block chain and obtaining the inquiry result by a remittance initiator; s303, obtaining the price enquiry result, selecting a target remittance link for executing remittance, and storing the target remittance link in a block chain; s304, checking remittance conditions based on the chain certificate storage information, and storing remittance condition checking results in a block chain; s305, obtaining and confirming a remittance condition check result; s306, when the remittance condition check result is passed and the remittance condition check result is confirmed to pass by the receiver, freezing funds in the remittance account, and storing the frozen information in a block chain; s307, checking whether the freezing information of the certificate stored on the chain is consistent with the remittance amount in the remittance information, and storing the checking result in a block chain; s308, checking whether the frozen information of the certificate stored on the chain is consistent with the remittance amount in the remittance information, and storing the checking result in a block chain; s309, when the check results are all passed, remitting funds into the first account, and storing remitting information of the funds into the block chain; s310, checking whether remittance amount in remittance information of the deposit certificate on the chain is consistent with remittance amount in the freezing information, and storing the check deposit certificate in a block chain; s311, checking whether the freezing information and remittance information stored on the chain are consistent, and storing the checking result in a block chain; s312, when the verification results are that the money transfer funds of the first currency are passed and the money transfer funds of the first currency are transferred from the money transfer account to the first account, storing fee deduction information of the money transfer funds of the first currency in a block chain; s313, when the remittance amount of the second currency remittance fund corresponding to the first currency remittance fund obtained by calculation is verified based on the deduction information, storing the remittance amount of the second currency remittance fund in the block chain; s314, confirming the remittance amount of the remittance fund of the second currency deposited on the chain, and depositing the confirmation result in the block chain; s315, confirming the remittance amount of the remittance fund of the second currency deposited on the chain, and depositing the confirmation result in the block chain; s316, when the confirmation results are that the money transfer funds of the second currency are passed and the money transfer funds of the second currency are pre-transferred from the second account to the receiving account, storing the pre-transferred money transfer amount in the block chain; s317, checking the pre-remitted remittance amount stored on the chain, and storing the checking result in the block chain; s318, checking the pre-remitted remittance amount stored on the chain, and storing the checking result in the block chain; s319, when the check results are all passed and the pre-remitted remittance amount is actually transferred to the collection account, and the actual transfer information is stored in the block chain; and S320, when the actual transfer information is confirmed to pass by the liquidity provider and the remittance receiver, storing the cross-border remittance to the account receipt information in the blockchain, and obtaining and confirming the completion of the cross-border remittance by the liquidity provider, the second collection and payment mechanism, the first collection and payment mechanism and the remittance initiator.
Through the embodiment, under the scene that the participants of the cross-border remittance comprise the liquidity provider, the state of the cross-border remittance is maintained and promoted based on the intelligent contract arranged in the block chain, on one hand, the account arrival time of the cross-border remittance and the commission charge of the intermediate link are reduced, and the cross-border remittance efficiency is improved. On the other hand, each participant of the cross-border remittance can inquire the progress state of the cross-border remittance in real time and verify the progress state, so that the transparency and the safety of the cross-border remittance are improved.
In accordance with the above method embodiments, the present specification also provides embodiments of a blockchain based cross-border money transfer device.
The embodiment of the block chain-based hierarchical storage device of the present specification can be applied to an electronic device. The device embodiments may be implemented by software, or by hardware, or by a combination of hardware and software. Taking a software implementation as an example, as a logical device, the device is formed by reading, by a processor of the electronic device where the device is located, a corresponding computer program instruction in the nonvolatile memory into the memory for operation.
From a hardware aspect, as shown in fig. 4, the hardware structure diagram of the electronic device where the block chain-based cross-border remittance apparatus of the present specification is located is shown, except for the processor, the memory, the network interface, and the nonvolatile memory shown in fig. 4, the electronic device where the apparatus is located in the embodiment may also include other hardware according to the actual function of the electronic device, which is not described again.
Fig. 5 is a block diagram of a block chain based cross-border money transfer device in accordance with an exemplary embodiment of the present description.
Referring to fig. 5, a block chain based trans-border money transfer device 50 may be used in the electronic apparatus of fig. 4; intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has a remittance account opened at a first institution located in the home, a remittance receiver located outside the home has a collection account opened at a second institution located outside the home, and a liquidity provider has a first account opened at the first institution and a second account opened at the second institution, the apparatus comprising:
a receiving module 501, configured to receive a price inquiry request for a cross-border remittance initiated by a remittance initiator; wherein the request for price inquiry includes remittance information; in response to the price inquiry request, invoking a verification logic in the intelligent contract to store the remittance information in the blockchain, so that the liquidity provider can inquire the remittance information, and storing an inquiry result obtained by inquiry in the blockchain to be acquired by a remittance initiator;
receiving a cross-border remittance application request which is initiated by a remittance initiator and corresponds to the enquiry result; the cross-border remittance application request comprises a confirmation result that a remittance initiator confirms to remit according to the inquiry result;
a money transfer module 502, responding to the cross-border money transfer application request, calling a evidence storage logic in the intelligent contract to store the confirmation result in the block chain, such that the liquidity provider performs a money transfer condition check based on the confirmation result, the enquiry result and the money transfer information, and upon the passage of the money transfer condition check and the confirmation of the check result corresponding to the money transfer condition check by the money transfer recipient, transferring, by a first receiving and payment institution, money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account, and calculating a remittance fund of a second currency corresponding to the remittance fund of the first currency by the second receivery institution based on the price inquiry result and the remittance information, and transferring, by a second payment receiving institution, the second currency money transfer funds from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
Optionally, the remittance information includes a remittance account number, a remittance amount, a first currency and a collection account number;
the money transfer module 502 further:
and calling a storage logic in the intelligent contract to store the remittance account number, the remittance amount, the first currency and the collection account number in the block chain.
Optionally, the method further includes:
the receiving module 501 further receives a certificate storing request initiated by the liquidity provider for storing a price inquiring result obtained by the price inquiring corresponding to the remittance information; wherein the evidence storing request comprises an inquiry result obtained by inquiry corresponding to the remittance information; the price inquiry result comprises a remittance candidate link, wherein the remittance candidate link comprises a remittance commission of a first currency relative to a second currency of liquidity provider support bedding and a remittance commission corresponding to the remittance amount at the remittance commission;
the money transfer module 502 further, in response to the deposit request, invokes a deposit logic in the intelligent contract to store the price inquiry result in the blockchain to cause the money transfer initiator to initiate a cross-border money transfer application based on the price inquiry result.
Optionally, the confirmation comprises the money transfer initiator selecting a target money transfer link for performing money transfer from the money transfer candidate links;
the money transfer module 502 further:
invoking a deposit logic in the intelligent contract to deposit the target money transfer link in the blockchain.
Optionally, the method further includes:
the receiving module 501 further receives a request for storing the remittance condition check result initiated by the liquidity provider; the remittance condition check result comprises a check result that the liquidity provider confirms whether the remittance application meets a preset remittance condition or not based on the confirmation result, the enquiry result and the remittance information;
the remittance module 502 further calls a storing logic in the intelligent contract to store the remittance condition check result in the blockchain in response to the storing request, so that the remittance receiver confirms the remittance information based on the remittance condition check result and stores the confirmed confirmation result in the blockchain.
Optionally, when the money transfer condition check result is passed and the money transfer condition check result is confirmed to pass by the money transfer recipient, further comprising:
the receiving module 501 further receives a deposit request for depositing the frozen information for freezing the money of the money transfer fund of the first currency corresponding to the money transfer information, which is initiated by the first receiving and paying institution; wherein the freeze information is indicative of a first amount of money transfer funds in a first currency deducted from the money transfer account;
the remittance module 502 further calls a storage logic in the intelligent contract to store the frozen information in the blockchain in response to the storage request, so that the remittance initiator and the liquidity provider perform checking based on the frozen information and the remittance information, and store the checked result in the blockchain.
Optionally, when the first payment and receipt institution verifies the verification result, the method further includes:
the receiving module 501 further receives a certificate storing request for storing the remittance information corresponding to the freezing information, which is initiated by the first payment and receipt institution; wherein the remittance information is indicative of a second amount of remittance funds in the first currency to be remitted to the first account;
the remittance module 502 further calls a credentialing logic in the intelligent contract to save the remittance information in the blockchain in response to the credentialing request, so that the remittance initiator and the liquidity provider verify whether the first amount and the second amount are consistent and verify the verification result in the blockchain.
Optionally, when the verification result is that the money transfer account passes and the first receiving and payment institution transfers money transfer funds of the first currency corresponding to the money transfer information to the first account, the method further includes:
the receiving module 501 further receives a certificate storing request initiated by the first payment and receipt institution for storing the fee deduction information; wherein the deduction information is indicative of a money transfer fund in a first currency corresponding to the money transfer information having been transferred from the money transfer account to a first account;
the remittance module 502 further calls a warranty storage logic in the intelligent contract to store the deduction information in the blockchain in response to the warranty storage request, so that the second payment and receipt institution and the remittance receiver can obtain the deduction information.
Optionally, when the second payment receiving and paying institution calculates a third amount of remittance funds of the second currency corresponding to the remittance funds of the first currency based on the price enquiry result and the remittance information, and checks the third amount based on the deduction information, the method further includes:
the receiving module 501 further receives a certificate storing request initiated by a second payment and receipt institution for storing a third amount;
the money transfer module 502 further, in response to the deposit request, invokes a deposit logic in the intelligent contract to deposit a third amount in the blockchain for the money transfer recipient and the liquidity provider to obtain and confirm.
Optionally, when the remittance receiver and the liquidity provider confirm that the third amount passes and the second remittance institution pre-remits the remittance funds in the second currency from the second account to the collection account, the method further comprises:
the receiving module 501 further receives a deposit request for depositing a fourth amount of money transfer funds of the second currency, which is pre-transferred to the receiving account, from the money transfer receiver;
the remittance module 502 may further, in response to the credentialing request, invoke credentialing logic in the intelligent contract to save a fourth amount in the blockchain, such that the second payee and liquidity provider verify that the fourth amount and the third amount are the same, and to credit the verification in the blockchain.
Optionally, when the verification result is that the money transfer funds in the second currency of the fourth amount are passed and actually transferred to the collection account by the second receiving and payment mechanism, the method further includes:
the receiving module 501 further receives a certificate storing request for storing the actual transfer information, which is initiated by the second payment and receipt institution; wherein the actual transfer information is used for indicating that the remittance funds of the second currency corresponding to the remittance information are actually transferred to the receiving account;
the remittance module 502 further calls a credentialing logic in the intelligent contract to save the actual transfer information in the blockchain in response to the credentialing request, so that the liquidity provider and the remittance receiver can obtain and confirm.
Optionally, when the actual transfer information is confirmed to pass by the liquidity provider and the remittance receiver, the method further includes:
the receiving module 501 further receives a deposit request for depositing the cross-border remittance receipt information from the remittance receiver;
the remittance module 502 further calls a credentialing logic in the intelligent contract to save the cross-border remittance-to-receipt information in the blockchain in response to the credentialing request, so that the liquidity provider, the second payment and receipt institution, the first payment and receipt institution and the remittance initiator can obtain the cross-border remittance-to-receipt information.
Optionally, the block chain is a federation chain.
The systems, devices, modules or units illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic disk storage, quantum memory, graphene-based storage media or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
The foregoing description has been directed to specific embodiments of this disclosure. Other embodiments are within the scope of the following claims. In some cases, the actions or steps recited in the claims may be performed in a different order than in the embodiments and still achieve desirable results. In addition, the processes depicted in the accompanying figures do not necessarily require the particular order shown, or sequential order, to achieve desirable results. In some embodiments, multitasking and parallel processing may also be possible or may be advantageous.
The terminology used in the description of the one or more embodiments is for the purpose of describing the particular embodiments only and is not intended to be limiting of the description of the one or more embodiments. As used in one or more embodiments of the present specification and the appended claims, the singular forms "a," "an," and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It should also be understood that the term "and/or" as used herein refers to and encompasses any and all possible combinations of one or more of the associated listed items.
It should be understood that although the terms first, second, third, etc. may be used in one or more embodiments of the present description to describe various information, such information should not be limited to these terms. These terms are only used to distinguish one type of information from another. For example, first information may also be referred to as second information, and similarly, second information may also be referred to as first information, without departing from the scope of one or more embodiments herein. The word "if" as used herein may be interpreted as "at … …" or "when … …" or "in response to a determination", depending on the context.
The above description is only for the purpose of illustrating the preferred embodiments of the one or more embodiments of the present disclosure, and is not intended to limit the scope of the one or more embodiments of the present disclosure, and any modifications, equivalent substitutions, improvements, etc. made within the spirit and principle of the one or more embodiments of the present disclosure should be included in the scope of the one or more embodiments of the present disclosure.
Claims (15)
1. A block chain based trans-border remittance method; intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located within a home has a remittance account opened at a first acquirer located within the home, a remittance receiver located outside the home has a collection account opened at a second acquirer located outside the home, a liquidity provider has a first account opened at the first acquirer and a second account opened at the second acquirer, the method comprising:
receiving an enquiry request for cross-border remittance initiated by a remittance initiator; wherein the request for price inquiry includes remittance information; in response to the price inquiry request, invoking a verification logic in the intelligent contract to store the remittance information in the blockchain, so that the liquidity provider can inquire the remittance information, and storing an inquiry result obtained by inquiry in the blockchain to be acquired by a remittance initiator;
receiving a cross-border remittance application request which is initiated by a remittance initiator and corresponds to the enquiry result; the cross-border remittance application request comprises a confirmation result that a remittance initiator confirms to remit according to the inquiry result;
invoking a deposit logic in an intelligent contract to deposit the confirmation result in the blockchain in response to the cross-border remittance application request, such that the liquidity provider performs a money transfer condition check based on the confirmation result, the enquiry result and the money transfer information, and upon the passage of the money transfer condition check and the confirmation of the check result corresponding to the money transfer condition check by the money transfer recipient, transferring, by a first receiving and payment institution, money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account, and calculating a remittance fund of a second currency corresponding to the remittance fund of the first currency by the second receivery institution based on the price inquiry result and the remittance information, and transferring, by a second payment receiving institution, the second currency money transfer funds from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
2. The method of claim 1, the money transfer information comprising a money transfer account number, a money transfer amount, a first currency, and a money transfer account number;
invoking a credentialing logic in the intelligent contract to save the remittance information in the blockchain, comprising:
and calling a storage logic in the intelligent contract to store the remittance account number, the remittance amount, the first currency and the collection account number in the block chain.
3. The method of claim 2, further comprising:
receiving a certificate storing request initiated by a liquidity provider and used for storing a price inquiring result obtained by price inquiring corresponding to the remittance information; wherein the evidence storing request comprises an inquiry result obtained by inquiry corresponding to the remittance information; the price inquiry result comprises a remittance candidate link, wherein the remittance candidate link comprises a remittance commission of a first currency relative to a second currency of liquidity provider support bedding and a remittance commission corresponding to the remittance amount at the remittance commission;
in response to the verification request, invoking verification logic in the intelligent contract to save the inquiry result in the blockchain, so that the remittance initiator initiates a cross-border remittance application based on the inquiry result.
4. The method of claim 3, the confirmation comprising the money transfer originator selecting a target money transfer link from the money transfer candidate links to perform money transfers;
the calling of the evidence storage logic in the intelligent contract saves the confirmation result in the block chain, and the calling of the evidence storage logic in the intelligent contract comprises the following steps:
invoking a deposit logic in the intelligent contract to deposit the target money transfer link in the blockchain.
5. The method of claim 1, further comprising:
receiving a certificate storing request initiated by a liquidity provider for storing the remittance condition check result; the remittance condition check result comprises a check result that the liquidity provider confirms whether the remittance application meets a preset remittance condition or not based on the confirmation result, the enquiry result and the remittance information;
and responding to the deposit request, invoking deposit logic in the intelligent contract to store the remittance condition check result in the blockchain, so that the remittance receiver confirms the remittance information based on the remittance condition check result, and depositing the confirmed confirmation result in the blockchain.
6. The method of claim 5, further comprising, when the money transfer conditional check result is a pass and the money transfer conditional check result is confirmed by the money transfer recipient:
receiving a certificate storing request initiated by a first receiving and paying institution for storing and verifying frozen information for freezing the money of the money transfer fund of the first currency corresponding to the money transfer information; wherein the freeze information is indicative of a first amount of money transfer funds in a first currency deducted from the money transfer account;
and responding to the certificate storage request, calling a certificate storage logic in the intelligent contract to store the freezing information in the blockchain, so that the remittance initiator and the liquidity provider perform verification based on the freezing information and the remittance information, and storing the verified verification result in the blockchain.
7. The method as claimed in claim 6, further comprising, when the verification of the verification result is passed by the first payment and receipt institution:
receiving a certificate storing request which is initiated by a first payment and receipt mechanism and used for storing the remittance information corresponding to the freezing information; wherein the remittance information is indicative of a second amount of remittance funds in the first currency to be remitted to the first account;
and in response to the verification request, invoking verification logic in the intelligent contract to store the remittance information in the blockchain, so that the remittance initiator and the liquidity provider verify whether the first amount and the second amount are consistent, and verifying the verification result in the blockchain.
8. The method of claim 7, further comprising, when the verification is positive and a first receiving and payment institution has transferred money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account:
receiving a certificate storing request for storing the fee deduction information initiated by a first payment and receipt mechanism; wherein the deduction information is indicative of a money transfer fund in a first currency corresponding to the money transfer information having been transferred from the money transfer account to a first account;
and in response to the evidence storing request, invoking evidence storing logic in the intelligent contract to store the deduction information in the blockchain so as to enable the second payment and receipt institution and the remittance receiver to obtain the deduction information.
9. The method of claim 8, wherein the second acquirer calculates a third amount of money transfer funds in the second currency corresponding to the money transfer funds in the first currency based on the inquiry results and the money transfer information, and verifies the third amount based on the deduction information, further comprising:
receiving a certificate storing request for storing the third amount, which is initiated by the second payment and receipt mechanism;
in response to the deposit request, a deposit logic in the intelligent contract is invoked to deposit a third amount in the blockchain for retrieval and validation by the money transfer recipient and the liquidity provider.
10. The method of claim 9, further comprising, when the money transfer recipient and the liquidity provider confirm passage of the third amount and the second acquirer pre-remits money transfer funds in the second currency from the second account to the collection account:
receiving a certificate storing request for storing a fourth amount of the money transfer funds of the second currency which are pre-transferred into the receiving account and initiated by the money transfer receiver;
and in response to the verification request, calling verification logic in the intelligent contract to store the fourth amount in the blockchain, so that the second payment and receipt institution and the liquidity provider verify whether the fourth amount and the third amount are consistent, and verifying the verification result in the blockchain.
11. The method of claim 10, further comprising, when the verification is positive and a fourth amount of money transfer funds in a second currency is actually transferred to the receiving account by a second receiving and payment institution:
receiving a certificate storing request for storing the actual transfer information, which is initiated by a second payment and receipt mechanism; wherein the actual transfer information is used for indicating that the remittance funds of the second currency corresponding to the remittance information are actually transferred to the receiving account;
and responding to the deposit request, invoking deposit logic in the intelligent contract to store the actual transfer information in the blockchain so as to enable the liquidity provider and the remittance receiver to obtain and confirm.
12. The method of claim 11, further comprising, upon confirmation of the actual transfer by the liquidity provider and the money transfer recipient:
receiving a certificate storage request for storing the cross-border remittance to the receipt information, which is initiated by the remittance receiver;
and in response to the deposit request, invoking deposit logic in the intelligent contract to store the cross-border remittance-to-receipt information in the blockchain so as to be acquired by the liquidity provider, the second collection and payment mechanism, the first collection and payment mechanism and the remittance initiator.
13. The method of claim 1, the blockchain is a federation chain.
14. A block chain based cross-border remittance apparatus; intelligent contracts for cross-border remittance are deployed in the blockchain; a remittance initiator located in a home has a remittance account opened at a first institution located in the home, a remittance receiver located outside the home has a collection account opened at a second institution located outside the home, and a liquidity provider has a first account opened at the first institution and a second account opened at the second institution, the apparatus comprising:
the receiving module is used for receiving a price inquiry request aiming at cross-border remittance initiated by a remittance initiator; wherein the request for price inquiry includes remittance information; in response to the price inquiry request, invoking a verification logic in the intelligent contract to store the remittance information in the blockchain, so that the liquidity provider can inquire the remittance information, and storing an inquiry result obtained by inquiry in the blockchain to be acquired by a remittance initiator;
receiving a cross-border remittance application request which is initiated by a remittance initiator and corresponds to the enquiry result; the cross-border remittance application request comprises a confirmation result that a remittance initiator confirms to remit according to the inquiry result;
a remittance module for responding the cross-border remittance application request, calling a storage logic in the intelligent contract to store the confirmation result in the block chain, such that the liquidity provider performs a money transfer condition check based on the confirmation result, the enquiry result and the money transfer information, and upon the passage of the money transfer condition check and the confirmation of the check result corresponding to the money transfer condition check by the money transfer recipient, transferring, by a first receiving and payment institution, money transfer funds in a first currency corresponding to the money transfer information from the money transfer account to a first account, and calculating a remittance fund of a second currency corresponding to the remittance fund of the first currency by the second receivery institution based on the price inquiry result and the remittance information, and transferring, by a second payment receiving institution, the second currency money transfer funds from the second account to the receiving account to complete the cross-border money transfer corresponding to the cross-border money transfer request.
15. An electronic device, comprising:
a processor;
a memory for storing processor-executable instructions;
wherein the processor implements the method of any one of claims 1-13 by executing the executable instructions.
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| PCT/CN2022/127207 WO2023078119A1 (en) | 2021-11-08 | 2022-10-25 | Blockchain-based cross-border remittance |
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| CN202111314454.2A CN114118987A (en) | 2021-11-08 | 2021-11-08 | Cross-border remittance method and device based on block chain and electronic equipment |
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| CN107545419B (en) * | 2017-07-19 | 2021-07-13 | 招商银行股份有限公司 | Remittance processing method, system and computer readable storage medium |
| US20190318353A1 (en) * | 2018-04-12 | 2019-10-17 | Bank Of America Corporation | Real time data processing platform for resources on delivery interactions |
| CN111553790A (en) * | 2020-04-29 | 2020-08-18 | 支付宝实验室(新加坡)有限公司 | Cross-border remittance method and device and electronic equipment |
| CN112884470A (en) * | 2021-03-31 | 2021-06-01 | 中国工商银行股份有限公司 | Cross-border remittance information processing method and device based on block chain alliance chain |
| CN113221191B (en) * | 2021-05-10 | 2022-05-31 | 支付宝(杭州)信息技术有限公司 | Block chain-based data evidence storage method, device, equipment and storage medium |
| CN114118987A (en) * | 2021-11-08 | 2022-03-01 | 支付宝(杭州)信息技术有限公司 | Cross-border remittance method and device based on block chain and electronic equipment |
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| WO2023078119A1 (en) * | 2021-11-08 | 2023-05-11 | 支付宝(杭州)信息技术有限公司 | Blockchain-based cross-border remittance |
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