TWI696970B - Interbank transaction failure noticing system based on blockchain and method thereof - Google Patents

Abstract

An interbank transaction failure noticing system based on blockchain and method thereof is disclosed. By providing a financial host, a payment bank host and a receiving bank host as nodes of a blockchain network, so as to generate a smart contract according to a financial extensible markup language (FXML) message and deploy the smart contract into the blockchain network as well as triggers an event when interbank transaction is not completed, and then checking a contact information of a remitter and a payee to notify the remitter and the payee at the same time when the payment bank host and the receiving bank host detects the event is triggered. The mechanism is help to improve the transparency of interbank transaction.

Description

Blockchain-based cross-bank transaction failure notification system and method

The invention relates to a notification system and method thereof, in particular to a blockchain-based notification system and method for cross-bank transaction failure.

In recent years, with the popularity and vigorous development of financial technology, various electronic transactions have sprung up. One of the most common applications is cross-bank transactions through the Internet.

Generally speaking, traditional cross-bank transactions refer to financial transactions that span different banking units. When necessary, paper faxes must still be used to confirm the transaction results. However, using paper fax to confirm the transaction results will cause the tripartite review time to be too long, resulting in the inability to provide customers with transaction results in real time, which will make the transaction inefficient.

In view of this, some manufacturers have proposed techniques for confirming the results of cross-bank transactions entirely through the Internet, so that customers can be informed of the results of transactions in real time. In this way, transaction efficiency can be greatly improved. However, this method can only provide the payer of the inter-bank transaction to know the transaction result, and the payee of the inter-bank transaction has no way of knowing the transaction result, resulting in the situation that the payee is easily deceived or defrauded due to unequal information. Therefore, it has the problem of poor transparency in cross-bank transactions.

In summary, it can be seen that the prior art has long had the problem of poor transparency in cross-bank transactions, so it is necessary to propose improved technical means to solve this problem.

The invention discloses a notification system and method for inter-bank transaction failure based on blockchain.

First, the present invention discloses a blockchain-based cross-bank transaction failure notification system, which is applied to a blockchain network that executes smart contracts. This system includes: a financial-end host, a payment bank-end host, and a collection bank-end host. Among them, the financial terminal host includes: initial module, transmission module, release module and execution module. The initial module is used to pre-release the first smart contract for storing multiple transaction incomplete messages in advance, each transaction incomplete message includes the transfer-in account, the transfer-out account and the contract address; the transmission module is connected The initial module is used to receive and transfer Financial Extensible Markup Language (FXML) transaction data, where the FXML transaction data includes the transfer-in account and transfer-out account; the release module connects to the transfer module for When it is detected that the FXML transaction data is an incomplete transaction, a corresponding second smart contract is generated based on the content of the FXML transaction data, and a blockchain transaction is executed to publish the second smart contract and obtain the corresponding contract address; and execute the model Group connection release module, used to execute the storage function of the first smart contract, and store the contract address corresponding to the second smart contract, the transfer account and the transfer account included in the FXML transaction data to the first smart contract as a transaction One of the unfinished messages, and the report event is triggered when the storage is completed.

Then, the payment bank host is one of the nodes of the blockchain network, used to send FXML transaction data to the financial terminal host when conducting cross-bank transactions, and after detecting the return event is triggered, A newly added transaction incomplete message is loaded in a smart contract, and according to the loaded transaction Complete the transfer out of the account in the message to check the contact information of the payer, and then send a notification message to notify the payer according to the contact information of the payer.

As for the host of the receiving bank is one of the nodes of the blockchain network, it is used to load the newly added transaction incomplete message from the first smart contract after detecting the return event is triggered, and according to the load Transfer the account to the payee's contact information in the incomplete message of the entered transaction, and then send a notification message to notify the payee according to the payee's contact information.

In addition, the present invention discloses a blockchain-based cross-bank transaction failure notification method, which is applied to a blockchain network that executes smart contracts. The steps include: providing a financial terminal host, a payment bank terminal host, and a collection bank terminal host as The node of the blockchain network, where the financial terminal host pre-releases the first smart contract for storing multiple transaction incomplete messages, and each transaction incomplete message includes the transfer-in account, transfer-out account, and contract address; When conducting cross-bank transactions, the payment bank host sends FXML transaction data to the financial bank host, and the financial bank host transfers the FXML transaction data to the receiving bank host, where the FXML transaction data includes the transfer-in account and the transfer-out account; When the financial terminal host detects that the FXML transaction data is an incomplete transaction, it generates a corresponding second smart contract according to the content of the FXML transaction data, and executes a blockchain transaction to publish the second smart contract and obtain the corresponding contract Address; the financial terminal host executes the storage function of the first smart contract to store the contract address corresponding to the second smart contract, the transfer account and the transfer account included in the FXML transaction data to the first smart contract as a transaction One of the incomplete messages, and trigger the return event when the storage is completed; and after the payment bank host and the receiving bank host detect that the return event is triggered, loading the newly added transaction from the first smart contract is not completed Message, where the host of the payment bank queries the payer's contact information based on the transfer-out account in the loaded transaction incomplete message, and sends a notification message to notify the payment according to the payer's contact message The host of the beneficiary bank queries the beneficiary contact information according to the transferred account in the loaded transaction incomplete message, and sends a notification message to notify the beneficiary according to the beneficiary contact information.

The system and method disclosed by the present invention are as above, and the difference from the previous technology is that the present invention is to provide a financial-side host, a payment bank-side host, and a collection bank-side host as nodes of the blockchain network, so as to prevent cross-bank transactions. Upon completion, the corresponding smart contract is generated based on the FXML transaction message, and the smart contract is published on the blockchain network to trigger the event. When the payment bank host and the receiving bank host detect that the event is triggered, query the payer And the contact information of the payee to notify the payer and the payee at the same time.

Through the above technical means, the present invention can achieve the technical effect of improving the transparency of cross-bank transactions.

10: Blockchain network

110: financial terminal host

111: Initial module

112: Transmission module

113: Release module

114: execution module

120: payment bank host

130: Receiving bank host

400: Transfer window

411: input block

412: Transfer element

420, 430: instant messaging programs

421, 431: instant messaging information

Step 210: Provide a financial terminal host, a payment bank terminal host and a collection bank terminal host as the nodes of the blockchain network, wherein the financial terminal host pre-releases a first smart contract for storing multiple transactions Transaction incomplete message, each transaction incomplete message includes a transfer-in account, a transfer-out account and a contract address

Step 220: When conducting a cross-bank transaction, the payment bank host sends an FXML transaction data to the financial end host, and the financial end host transfers the FXML transaction data to the receiving bank end host, where the FXML The transaction information includes the transfer-in account and the transfer-out account

Step 230: When the financial terminal host detects that the FXML transaction data is an incomplete transaction, it generates a corresponding second smart contract according to the content of the FXML transaction data, and executes a blockchain transaction to release the second smart contract Contract and get the corresponding contract address

Step 240: The financial terminal host executes a storage function of the first smart contract to use the contract address corresponding to the second smart contract, the transfer-in account and the transfer-out account included in the FXML transaction data And store it in the first smart contract as one of the transaction incomplete messages, and trigger a return event when the storage is completed

Step 250: After the payment bank host and the collection bank host detect that the return event is triggered, the newly added transaction incomplete message is loaded from the first smart contract, where the payment bank The host inquires a payer contact message according to the transferred account in the transaction incomplete message loaded, and sends a notification message to notify the payer according to the payer contact message. The transfer account in the transaction incomplete message queries a payee contact message, and sends the notification message to notify the payee according to the payee contact message

Step 251: The payment bank terminal host screens the transaction incomplete message loaded according to the transfer-out account, and from the corresponding second smart contract according to the contract address in the filtered transaction incomplete message Load the FXML transaction data to regenerate a FXML re-transaction data, and send the FXML re-transaction data to the financial terminal host for cross-bank transactions

Fig. 1 is a system block diagram of a blockchain-based cross-bank transaction failure notification system of the present invention.

FIG. 2A and FIG. 2B are flowcharts of a method for notification of a failure of a cross-bank transaction based on a blockchain of the present invention.

Figure 3 is a sequence diagram of the method for notification of cross-bank transaction failure based on the blockchain of the present invention.

FIG. 4 is a schematic diagram of notifying both parties of a transaction with instant messaging information using the present invention.

The embodiments of the present invention will be described in detail below in conjunction with the drawings and examples, so as to fully understand and implement the implementation process of how the present invention uses technical means to solve technical problems and achieve technical effects.

Before describing the blockchain-based cross-bank transaction failure notification system and method disclosed by the present invention, the environment to which the present invention is applied will be described first. The present invention is applied to a blockchain network that executes smart contracts. The computer equipment in the blockchain network can be regarded as blockchain nodes (or nodes for short). The blockchain nodes are connected by Peer to Peer (P2P) and used to process blockchain transactions (Blockchain Transactions). In actual implementation, the computer equipment may be a server, a computer host, a notebook computer, a tablet computer, a smart phone, etc., to execute computer program instructions, for example, the blockchain program "Ethereum". In addition, the "first smart contract" and "second smart contract" mentioned in the article all refer to the smart contract (Smart Contract), which refers to driving the execution of instructions based on the established conditions and transmitted information Computer program, in actual implementation, the smart contract is written in programming languages, such as: Solidity, Serpent, LLL, EtherScript, Sidechain, etc., which can contain various functions, events, Parameter status, etc. Taking the blockchain program "Ethereum" as an example, its smart contract is compiled to obtain a binary code and an application binary interface (Application Binary Interface, ABI) to broadcast the smart contract to the blockchain network Road, waiting for the miner to put the smart contract on the blockchain and get the corresponding address, so that the smart contract is released through the blockchain transaction. After that, each node can execute the corresponding smart contract according to this address, and use different instructions to change the state of the smart contract on the blockchain and detect whether the event is triggered. In actual implementation, the execution (or call) function can simultaneously bring in a Universally Unique Identifier (UUID) and a contract address, and store the contract address in the array location specified by the UUID.

The following further describes the system and method of the blockchain-based cross-bank transaction failure notification according to the present invention with reference to the drawings. Please refer to "Figure 1", which is the blockchain-based inter-bank transaction failure notification system of the invention The block diagram of the system is applied to the blockchain network 10 that executes smart contracts. The system includes: a financial terminal host 110, a payment bank terminal host 120, and a payment bank terminal host 130. In actual implementation, the financial-end host 110, the payment-bank end host 120, and the collection-bank end host 130 are all nodes in the blockchain network 10, which are also computer devices, and The P2P methods are connected to each other. Specifically, the financial host 110 is a computer device located in a financial unit, the payment bank host 120 is a computer device located in a payment bank, and the receiving bank host is a computer device located in a receiving bank. In addition to being able to process FXML transaction data, it also forms a Consortium Blockchain based on the blockchain network 10, allowing only authorized institutions, namely: financial units, receiving banks and payment banks, to read on the blockchain Write and publish smart contracts.

The financial-end host 110 includes an initial module 111, a transmission module 112, a release module 113, and an execution module 114. Among them, the initial module 111 is used to pre-release the first smart contract on the blockchain network 10 for storing multiple transaction incomplete messages in advance, and each transaction incomplete message includes transfer to account and transfer Account number and contract address. The transfer-in account and transfer-out account refer to the bank accounts of both parties to the transaction of the unfinished cross-bank transaction, and the contract address is the contract address of the second smart contract generated according to the unfinished transaction. In other words, when the subsequent inter-bank transaction is not completed, the bank accounts of both parties to the transaction and the generated contract address of the second smart contract will be recorded in the first smart contract.

The transmission module 112 is connected to the initial module 111 for receiving and transferring FXML transaction data, wherein the FXML transaction data includes a transfer-in account and a transfer-out account. The FXML transaction data refers to financial XML, that is, Extensible Markup Language (Extensible Markup Language) used in financial transactions Language, XML), providing fund transfer for cross-bank payment transfer. In actual implementation, the financial-end host 110, the payment bank-end host 120, and the collection bank-end host 130 are all capable of processing and transmitting FXML transaction data in order to realize cross-bank transactions.

The issue module 113 is connected to the transmission module 112 to generate a corresponding second smart contract according to the content of the FXML transaction data when the FXML transaction data is detected as an incomplete transaction, and execute a blockchain transaction to issue this The second smart contract and obtain the corresponding contract address. In other words, the publishing module 113 is to convert the uncompleted FXML transaction data into a smart contract that can be stored on the blockchain, and publish it on the blockchain network 10 through the blockchain transaction. In actual implementation, in order to maintain the privacy of the transaction data, the publishing module 113 can first encrypt the content of the FXML transaction data before generating the corresponding second smart contract. When the payment bank host 120 and the receiving bank host 130 When the corresponding second smart contract is queried according to the contract address, it needs to be sent to the financial terminal host 110 for decryption first, and then the financial terminal host 110 transmits the decryption result to the payment bank terminal host 120 using the transport layer security agreement And the receiving bank host 130. In this way, it is possible to avoid storing transaction data on the blockchain in clear code.

The execution module 114 is connected to the release module 113 for executing the storage function of the first smart contract, and storing the contract address corresponding to the second smart contract, the transfer account and the transfer account included in the FXML transaction data to The first smart contract serves as one of the transaction incomplete messages and triggers a return event when the storage is completed. In actual implementation, the storage function and the return event are the function functions and events in the first smart contract. When the function function is executed, the state of the smart contract on the blockchain will be changed, and the execution is completed. After that, an event will be triggered so that all nodes in the blockchain network 10 can be informed of the state change. It should be added that, because the inter-bank transaction is not completed, the first smart contract storage function will be executed, and the relevant data (such as: the contract address corresponding to the second smart contract, FXML transaction data The transfer account and transfer account included in the material) are stored in the first smart contract as a transaction incomplete message. This storage function will trigger a report event when the storage is completed, so that each node in the blockchain network, after detecting this report event is triggered, immediately knows that there is currently an inter-bank transaction that has not been completed. In other words, this return event is used to tell each node that there is currently an incomplete cross-bank transaction.

In addition, the payment bank host 120 is one of the nodes of the blockchain network 10, and is used to send FXML transaction data to the financial terminal host 110 when conducting cross-bank transactions, and after detecting the return event is triggered , Load the newly added transaction incomplete message from the first smart contract, and query the payer contact information according to the transferred account in the loaded transaction incomplete message, and then send a notification message to notify the payer according to the payer contact message . In actual implementation, the payment bank host 120 can filter the loaded transaction incomplete messages according to the transfer-out account. For example, the bank code in the transfer-out account can be used to exclude the transaction incomplete including the transfer-out account of other banks message. Then, according to the contract address in the screened transaction incomplete message, load FXML transaction data from the corresponding second smart contract to regenerate an FXML retransaction data, and send the generated FXML retransaction data to the financial terminal host 110 to conduct cross-bank transactions.

As for the receiving bank host 130, which is also one of the nodes of the blockchain network 10, it is used to load the newly added transaction incomplete message from the first smart contract after detecting the return event is triggered, And check the payee contact information according to the transferred account in the loaded transaction incomplete message, and then send a notification message according to the payee contact message to notify the payee. In practical implementation, both the paying bank host 120 and the receiving bank host 130 may include a customer database, and the customer database stores multiple pieces of customer data, and each piece of customer data includes the transfer-out account number and payer contact information, or Contains the transfer account number and the payee contact information for the payment bank host 120 to query the payer contact information corresponding to the transfer account, or for the payment bank host 130 to query the payee contact information corresponding to the transfer account. As for the payment Both the sender contact information and the payee contact information can include link parameter values, which are used to load the link parameter values to establish a connection with the application programming interface (API) of the instant messaging program before sending the notification message. The notification message is sent to the instant messaging program as instant messaging information, wherein the connection parameter value includes a Uniform Resource Identifier (URI) and an authorization token (Token) of the application program interface. In particular, when the newly added transaction incomplete message is loaded, both the paying bank host 120 and the receiving bank host 130 can load the FXML transaction from the corresponding second smart contract according to the contract address therein Data, and the transfer account, transfer account, amount, transaction information, etc. recorded in the FXML transaction data are used as the content of the notification message.

In particular, in actual implementation, each module described in the present invention can be implemented in various ways, including software, hardware, or any combination thereof. For example, in some embodiments, each module may Using software and hardware or one of them, in addition to this, the present invention can also be implemented partially or completely based on hardware, for example, one or more modules in the system can be through integrated circuit chips, It is realized by System on Chip (SoC), Complex Programmable Logic Device (CPLD), Field Programmable Gate Array (FPGA), etc. The invention may be a system and/or computer program. The computer program may include a computer-readable storage medium loaded with computer-readable program instructions for causing the processor to implement various aspects of the present invention. The computer-readable storage medium may be a tangible form that can hold and store instructions used by the instruction execution device equipment. The computer-readable storage medium may be, but not limited to, an electrical storage device, a magnetic storage device, an optical storage device, an electromagnetic storage device, a semiconductor storage device, or any suitable combination of the foregoing. More specific examples of computer-readable storage media (non-exhaustive list) include hard disks, random access memory, read only memory, flash memory, optical disks, floppy disks, and any suitable combination of the foregoing. this Computer-readable storage media used in the premises are not to be interpreted as transient signals themselves, such as radio waves or other freely propagating electromagnetic waves, electromagnetic waves propagating through waveguides or other transmission media (eg, optical signals through fiber optic cables), or transmission through wires Electrical signal. In addition, the computer-readable program instructions described herein can be downloaded from computer-readable storage media to various computing/processing devices, or via a network, such as the Internet, regional networks, wide area networks, and/or wireless networks To external computer equipment or external storage devices. The network may include copper transmission cables, optical fiber transmission, wireless transmission, routers, firewalls, switches, hubs, and/or gateways. The network card or network interface in each computing/processing device receives computer-readable program instructions from the network and forwards the computer-readable program instructions for computer-readable storage media stored in each computing/processing device in. The computer program instructions to perform the operations of the present invention may be combined language instructions, instruction set architecture instructions, machine instructions, machine-related instructions, microinstructions, firmware instructions, or source code or object code written in any combination of one or more programming languages (Object Code), the programming language includes object-oriented programming languages, such as: Common Lisp, Python, C++, Objective-C, Smalltalk, Delphi, Java, Swift, C#, Perl, Ruby, PHP, etc., as well as conventional programs Procedural programming language, such as C language or similar programming language. Computer readable program instructions can be executed entirely on the computer (or host), partly on the computer, as a standalone software, partly on the client computer, partly on the remote computer, or completely on Run on a remote computer or server.

Please refer to "Picture 2A" and "Picture 2B", "Picture 2A" and "Picture 2B" are flow charts of the method for notification of the failure of cross-bank transactions based on the blockchain of the present invention, which is applied in the area where smart contracts are executed The block chain network 10 includes the steps of providing a financial terminal host 110, a payment bank terminal host 120, and a receiving bank terminal host 130 as nodes of the blockchain network 10, wherein the financial terminal host 110 pre-releases the first Smart contract for storing multiple transaction incomplete messages, each transaction incomplete message includes transfer Into account, out of account and contract address (step 210); when conducting inter-bank transactions, the payment bank host 120 sends FXML transaction data to the financial terminal host 110, and the financial terminal host 110 transfers the FXML transaction data to the collection The bank-side host 130, wherein the FXML transaction data includes the transfer-in account and the transfer-out account (step 220); when the financial-end host 110 detects that the FXML transaction data is an incomplete transaction, it generates a correspondence according to the content of the FXML transaction data The second smart contract, and execute the blockchain transaction to issue this second smart contract and obtain the corresponding contract address (step 230); the financial terminal host 110 executes the storage function of the first smart contract to transfer the second The contract address corresponding to the smart contract, the transfer account and transfer account included in the FXML transaction data are stored in the first smart contract as one of the transaction incomplete messages, and a return event is triggered when the storage is completed (step 240); payment After the bank host 120 and the receiving bank host 130 detect that the return event is triggered, the newly added transaction incomplete message is loaded from the first smart contract, wherein the payment bank host 120 is incomplete according to the loaded transaction The transfer-out account in the message queries the payer's contact information, and sends a notification message to notify the payer according to the payer's contact message, and the receiving bank host 130 queries the payee based on the transfer-in account in the loaded transaction incomplete message The contact message, and send a notification message to notify the payee based on the payee contact message (step 250). Through the above steps, you can provide the financial terminal host 110, the payment bank terminal host 120 and the collection bank terminal host 130 as the nodes of the blockchain network 10, so that when the cross-bank transaction is not completed, the corresponding generated according to the FXML transaction message Smart contract and publish the smart contract on the blockchain network 10 to trigger the event. When the payment bank host 120 and the receiving bank host 130 detect that the event is triggered, check the contact between the payer and the payee The message informs the payer and the payee at the same time.

In addition, as shown in "Figure 2B", after step 250, the payment bank host 120 may filter the loaded transaction incomplete message according to the transferred account, and according to the contract address in the filtered transaction incomplete message, from The corresponding second smart contract is loaded with FXML transaction data to be regenerated FXML re-transaction data, and send the FXML re-transaction data to the financial terminal host 110 for inter-bank transactions (step 251). It should be added that the return event mentioned in step 240 and step 250 is the technology of blockchain smart contract. As mentioned above, the event and function are both part of the smart contract, but the function will be stored in the text. The triggered event is defined as "reward event".

The following description will be made in conjunction with "Picture 3" and "Picture 4" by way of example, please refer to "Picture 3" first, "Picture 3" is the method for notification of the failure of cross-bank transactions based on blockchain of the present invention Step by step diagram. Initially, the financial terminal host 110, the payment bank terminal host 120, and the receiving bank terminal host 130 form a consortium chain (ie: a type of blockchain network 10) based on blockchain technology. Then, the financial terminal host 110 will First publish the first smart contract to record the contract address, transfer-out account, transfer-in account, etc. of the second smart contract generated when the subsequent cross-bank transaction fails through this first smart contract. When the payer wants to pay the amount to the payee's receiving bank through the payment bank for inter-bank transactions, the payment bank host 120 will send the corresponding FXML transaction data to the financial terminal host 110, and then the financial terminal host 110 will The FXML transaction data is sent to the host 130 of the receiving bank. Assuming that the transaction is not completed, the financial host 110 will receive the FXML transaction data from the receiving bank host 130, and then forward it to the payment bank host 120. The FXML transaction data will record "unfinished transaction". In addition, the financial terminal host 110 will also generate a corresponding second smart contract based on the FXML transaction data recorded as an unfinished transaction, and execute the stored function in the first smart contract to convert the contract of the second smart contract The transfer-out account and transfer-in account in the address and FXML transaction data are stored in the first smart contract, which in turn triggers a return event. At this time, the payment bank host 120 will detect that the return event is triggered, so the newly added transaction incomplete message is loaded from the first smart contract, and then, based on the transferred account query in the loaded transaction incomplete message Payer contact information, and send a notification message based on this payer contact information to notify the payer. On the other hand, the receiving bank host 130 will also detect that the return event is triggered, and The newly added transaction incomplete message is loaded in the first smart contract, and the payer contact information is queried according to the transferred account in the loaded transaction incomplete message, and a notification message is sent according to this payee contact message to notify the payment people. At this point, although the inter-bank transaction is not completed, both the payer and the payee can be notified, to avoid the situation where the payee cannot be hoodwinked or defrauded in the past, and to effectively improve the transparency of the inter-bank transaction.

As shown in "Figure 4", "Figure 4" is a schematic diagram of notifying both parties of a transaction with instant messaging information using the present invention. Assuming that both the payer's contact information and the payee's contact information contain link parameter values, before sending the notification message, you can first load the link parameter value and establish a link with the API of the instant messaging program, and then send the notification message to the instant messaging program to As an instant messaging message. For example, suppose that the payer enters the transfer account number and amount in the input block 411 of the transfer window 400, and clicks the transfer element 412 to perform an inter-bank transaction. When the transaction result returned is that the transaction is not completed, the payment bank host 120 will The link parameters of the payer's contact information are loaded to establish a link with the API of the payer's instant messaging program 420, and then the notification message is sent to the instant messaging program 420 through the API as instant messaging information 421, which provides the payer's browsing in real time. At the same time, the receiving bank host 130 will also load the link parameters of the payee's contact message to establish a link with the API of the payee's instant messaging program 430, and then send the notification message to the instant messaging program 430 through the API as real-time The communication information 431 provides the payee to browse instantly. At this point, both the payer and the payee can get the notification message in real time.

In summary, it can be seen that the difference between the present invention and the prior art lies in providing a financial-side host, a payment bank-side host, and a collection bank-side host as the nodes of the blockchain network, so that when the cross-bank transaction is not completed, Generate the corresponding smart contract according to the FXML transaction message, and publish the smart contract on the blockchain network to trigger the event. When the payment bank host and the receiving bank host detect that the event is triggered, query the payer and the payment The contact information of the person to notify the payer and the payee at the same time, by This technical method can solve the problems of the previous technology, and then achieve the technical effect of improving the transparency of cross-bank transactions.

Although the present invention is disclosed as the foregoing embodiments, it is not intended to limit the present invention. Any person who is familiar with similar arts can make some changes and modifications without departing from the spirit and scope of the present invention. The scope of patent protection shall be subject to the definition of the scope of patent application attached to this specification.

10: Blockchain network

110: financial terminal host

111: Initial module

112: Transmission module

113: Release module

114: execution module

120: payment bank host

130: Receiving bank host

Claims (10)

A blockchain-based cross-bank transaction failure notification system applied to a blockchain network that executes smart contracts. The system includes: a financial terminal host, which is a node of the blockchain network First, the financial terminal host includes: an initial module for initial release of a first smart contract for storing multiple transaction incomplete messages, each transaction incomplete message includes a transfer account, A transfer-out account and a contract address; a transmission module, connected to the initial module, for receiving and transferring a Financial Extensible Markup Language (FXML) transaction data, where the FXML transaction data includes The transfer-in account and the transfer-out account; a publishing module, connected to the transmission module, for generating a corresponding second according to the content of the FXML transaction data when the FXML transaction data is detected as an incomplete transaction Smart contract, and execute blockchain transactions to release the second smart contract and obtain the corresponding contract address; and an execution module connected to the release module to execute a stored function of the first smart contract, The contract address corresponding to the second smart contract, the transfer-in account and the transfer-out account included in the FXML transaction data are stored in the first smart contract as one of the transaction incomplete messages, and in the storage Trigger a return event upon completion; A payment bank host, which is one of the nodes of the blockchain network, is used to send the FXML transaction data to the financial terminal host when conducting cross-bank transactions, and to detect the return After the event is triggered, load the newly added transaction incomplete message from the first smart contract, and query a payer contact information based on the transferred account in the loaded transaction incomplete message, and then The contact information of the payer sends a notification message to notify the payer; and a host of the receiving bank, which is one of the nodes of the blockchain network, is used to detect the return event After triggering, load the newly added transaction incomplete message from the first smart contract, and query a payee contact information according to the transferred account in the loaded transaction incomplete message, and then according to the The payee contact message sends the notification message to notify the payee. According to the patent application scope item 1, the blockchain-based cross-bank transaction failure notification system, wherein the payment bank terminal host screens the transaction incomplete message loaded according to the transfer-out account, and according to the filtered transaction Complete the contract address in the message, load the FXML transaction data from the corresponding second smart contract to regenerate a FXML re-transaction data, and send the FXML re-transaction data to the financial terminal host for cross-bank transactions . According to the first patent application-based blockchain-based cross-bank transaction failure notification system, the payment bank host and the receiving bank host both contain a customer database, and the customer database stores multiple customer data, Each customer data contains the transfer-out account and the payer contact information, or contains the transfer-in account and the payee contact information for the payment bank host to query the payment corresponding to the transfer-out account Person’s contact information, or for the receiving bank’s host to inquire about the recipient’s contact information that should be transferred to the account. According to the first patent application-based blockchain-based cross-bank transaction failure notification system, the release module first encrypts the content of the FXML transaction data, and then generates the corresponding second smart contract when the payment bank When the end host and the receiving bank end host query the corresponding second smart contract according to the contract address, they first send it to the financial end host for decryption, and then the financial end host will decrypt the decrypted result to the transport layer security The sex agreement is transmitted to the payment bank host and the collection bank host. According to the first patent application-based blockchain-based cross-bank transaction failure notification system, the payer contact message and the payee contact message both contain at least one link parameter value, which is used to send the notification message before Loading the link parameter value to establish a link with an application interface of an instant messaging program, and then sending the notification message to the instant messaging program as an instant messaging message, wherein the link parameter value includes the application Uniform Resource Identifier (URI) and authorization token (Token) of the interface. A blockchain-based cross-bank transaction failure notification method, applied to a blockchain network that executes smart contracts, the steps include: providing a financial terminal host, a payment bank terminal host and a collection bank terminal host as the The node of the blockchain network, where the financial terminal host pre-releases a first smart contract for storing multiple transaction incomplete messages. Each transaction incomplete message includes a transfer-in account, a transfer-out account and A contract address; When conducting inter-bank transactions, the payment bank host sends a Financial Extensible Markup Language (FXML) transaction data to the financial terminal host, and the financial terminal host transfers the FXML transaction data to the financial terminal host The host of the receiving bank, where the FXML transaction data includes the transfer-in account and the transfer-out account; when the financial-end host detects that the FXML transaction data is an incomplete transaction, it is generated according to the content of the FXML transaction data Corresponding to a second smart contract, and execute a blockchain transaction to publish the second smart contract and obtain the corresponding contract address; the financial terminal host executes a storage function of the first smart contract to use The contract address corresponding to the second smart contract, the transfer-in account and the transfer-out account included in the FXML transaction data are stored in the first smart contract as one of the transaction incomplete messages, and when the storage is completed Triggering a return event; and after the payment bank host and the receiving bank host detect that the return event is triggered, load the newly added transaction incomplete message from the first smart contract, wherein, the The payer bank host queries a payer contact message based on the transfer-out account in the transaction unfinished message loaded, and sends a notification message to notify the payer according to the payer contact message. The transferred account in the loaded transaction incomplete message queries a payee contact message, and sends the notification message to notify the payee according to the payee contact message. According to the sixth patent application-based blockchain-based cross-bank transaction failure notification method, wherein the method further includes the payment bank-side host screening and loading based on the transferred account Enter the transaction incomplete message, and load the FXML transaction data from the corresponding second smart contract according to the contract address in the filtered transaction incomplete message to regenerate a FXML retransaction data, And the step of sending the FXML re-transaction data to the financial terminal host for inter-bank transactions. According to the 6th patent application-based blockchain-based cross-bank transaction failure notification method, the payment bank host and the receiving bank host both include a customer database, and the customer database stores multiple customer data, Each piece of customer information includes the transfer-out account and the payer's contact information, or contains the transfer-in account and the payee's contact information for the payment bank host to query the payer's contact information corresponding to the transfer-out account, Or for the receiving bank host to query the contact information of the payee corresponding to the account. According to the 6th patent application-based blockchain-based cross-bank transaction failure notification method, in which the financial end host encrypts the content of the FXML transaction data, and then generates the corresponding second smart contract, when the payment bank When the end host and the receiving bank end host query the corresponding second smart contract according to the contract address, they first send it to the financial end host for decryption, and then the financial end host will decrypt the decrypted result to the transport layer security The sex agreement is transmitted to the payment bank host and the collection bank host. According to the sixth patent application-based blockchain-based cross-bank transaction failure notification method, wherein the payer contact message and the payee contact message both contain at least one link parameter value, which is used to send the notification message before Load the link parameter value to establish a link with an application interface of an instant messaging program, and then send the notification message It is sent to the instant messaging program as an instant messaging message, wherein the connection parameter value includes a Uniform Resource Identifier (URI) and an authorization token (Token) of the application program interface.

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