WO2023078124A1

WO2023078124A1 - Blockchain-based cross-border remittance

Info

Publication number: WO2023078124A1
Application number: PCT/CN2022/127252
Authority: WO
Inventors: 韩喆; 陈聪明; 刘肖飞
Original assignee: 支付宝(杭州)信息技术有限公司; 蚂蚁区块链科技(上海)有限公司
Priority date: 2021-11-08
Filing date: 2022-10-25
Publication date: 2023-05-11
Also published as: CN114118988A

Abstract

Disclosed are a blockchain-based cross-border remittance method and apparatus, and an electronic device. In the present application, cross-chain communication is performed on the basis of a first smart contract deployed in a first blockchain and a second smart contract deployed in a second blockchain; account fund information stored in the second blockchain and related to a cross-border remittance service is obtained, and data verification is performed on the account fund information and remittance information stored in the first blockchain; a transaction state of the cross-border remittance service is updated and maintained according to the data verification result. On one hand, data consistency of cross-chain data related to the cross-border remittance service is ensured; on the other hand, a cross-border remittance participant can inquire and confirm the transaction state of the cross-border remittance service in real time on the basis of the decentralized architecture of the blockchain and the characteristic that data cannot be tampered, thereby improving the transparency and security of cross-border remittance.

Description

Blockchain-based cross-border remittance

technical field

One or more embodiments of this specification relate to the field of blockchain technology, and in particular to a blockchain-based cross-border remittance method, device, and electronic equipment.

Background technique

Cross-border remittance refers to the business in which the user remits money to the receiving account opened in an overseas bank within the prescribed remittance limit. Traditional cross-border remittances are mainly based on the SWIFT (society for worldwide interbank financial telecommunications, Society for Worldwide Interbank Financial Telecommunications or Society for Worldwide Interbank Financial Telecommunications) system to establish a remittance channel. However, when conducting cross-border remittances based on the SWIFT channel, since the SWIFT system involves inter-bank transfers and manual operations of multiple intermediary banks, the timeliness of cross-border remittances is poor and the handling fees are high. For example, it generally takes 2-5 days to cross-border The remittance can only arrive at the account, and every intermediate link involved in the remittance will be charged.

In addition, for consumers whose cross-border remittance amount and frequency are relatively small (C-type users), although Money Transfer can provide them with hour-level cross-border Due to the company's own cross-border remittance transaction system, commercial organizations (type B institutions) that have a large amount and frequency of cross-border remittances and have their own cross-border remittance transaction systems cannot rely on Money Remittance safely and credibly. The company's centralized cross-border remittance transaction system.

Blockchain technology, also known as distributed ledger technology, is an emerging technology in which several computing devices jointly participate in "bookkeeping" and jointly maintain a complete distributed database. Due to the characteristics of decentralization, openness and transparency, each computing device can participate in database records, and fast data synchronization between computing devices, blockchain technology has been widely used in many fields. to apply.

Contents of the invention

This manual proposes a blockchain-based cross-border remittance method, which is applied to a cross-border remittance management system based on the first blockchain and the second blockchain. Among them, the first smart contract for maintaining the transaction status of the cross-border remittance participants in the cross-border remittance business is deployed in the first block chain; the accounts for maintaining the cross-border remittance participants are deployed in the second block chain The second smart contract of the transfer status of the fund information; the first smart contract and the second smart contract are bound to each other for cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain; The method includes: when it is determined that the transaction status indicates that the cross-border remittance participant has confirmed the remittance information, calling the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the account maintained by the second smart contract The transfer status of the fund information; when the transfer status indicates that the account funds corresponding to the account fund information have been transferred successfully, further call the first smart contract to perform data verification on the account fund information and the remittance information, and based on The data verification result updates the transaction status, so that the cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.

Optionally, the cross-border remittance participant includes a remittance initiator, and the method further includes: receiving a certificate deposit request for depositing the remittance information initiated by the remittance initiator; in response to the certificate deposit request, calling The deposit logic of the first smart contract deposits the remittance information in the first block chain.

Optionally, the remittance information includes remittance account number, remittance amount, remittance currency, and remittance account number; the deposit logic of calling the first smart contract stores the remittance information in the first block chain, including : Call the deposit logic in the first smart contract to save the remittance account number, remittance amount, remittance currency and collection account number in the first blockchain.

Optionally, the cross-border remittance participant also includes a liquidity provider; the method further includes: the liquidity provider obtains the remittance amount and the remittance currency from the first block chain, so that the liquidity The provider performs liquidity calculation based on the remittance amount and the remittance currency, obtains the exchange rate corresponding to the remittance currency and the first remittance amount of the remittance amount under the exchange rate, and updates the first remittance amount to the remittance information stored on the chain.

Optionally, the cross-border remittance participant also includes a remittance receiver; the method further includes: the remittance receiver acquires the remittance information from the first block chain and confirms the acquired remittance information, and The confirmation result of the remittance information is stored in the first block chain.

Optionally, the cross-border remittance participant also includes a collection and payment institution; the method further includes: the collection and payment institution obtains the remittance information from the first block chain and confirms the obtained remittance information, and sends The confirmation result of the remittance information is stored in the first block chain.

Optionally, the account fund information includes the transfer amount for the cross-border remittance business transferred from the account funds deposited by the cross-border remittance participant in the second block chain; The data verification of the account fund information and the remittance information includes: calling the query logic in the first smart contract to cross-chain call the second smart contract to query the transfer amount, and deposit the transfer amount in the first In the block chain: call the verification logic in the first smart contract to perform data verification on the transfer amount and the first remittance amount, and store the result of the data verification in the first block chain.

Optionally, calling the verification logic in the first smart contract to verify the transfer amount and the first remittance amount includes: calling the verification logic in the first smart contract to verify the transfer amount and the first remittance amount Is it consistent.

Optionally, the transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by the corresponding cross-border remittance participants based on a homomorphic encryption algorithm; The data verification of the first remittance amount includes: calling the verification logic in the first smart contract to verify whether the transfer amount after homomorphic encryption is consistent with the first remittance amount.

Optionally, the updating the transaction status based on the data verification result includes: updating the transaction status to successful when the data verification result is passed; otherwise, updating the transaction status to failure.

Optionally, the blockchain is an alliance chain.

This specification also proposes a block chain-based cross-border remittance device; it is applied to a cross-border remittance management system based on the first block chain and the second block chain; wherein, the first block chain is deployed for The first smart contract that maintains the transaction status of the cross-border remittance participants to perform the cross-border remittance business; the second smart contract that is used to maintain the transfer status of the account fund information of the cross-border remittance participants is deployed in the second block chain; A smart contract and a second smart contract are bound to each other for cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain; the device includes: a query module, after determining the transaction The state indicates that when the cross-border remittance participant confirms the remittance information, it calls the query logic in the first smart contract and calls the second smart contract across the chain to query and obtain the transfer status of the account fund information maintained by the second smart contract; the remittance module, When the transfer status indicates that the account funds corresponding to the account fund information have been transferred successfully, the first smart contract is further invoked to perform data verification on the account fund information and the remittance information, and update the The transaction status, so that the cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.

Optionally, the cross-border remittance participant includes a remittance initiator, and the device further includes a certificate depositing module, the certificate depositing module: receiving a certificate deposit request for depositing the remittance information initiated by the remittance initiator; In response to the certificate deposit request, call the certificate deposit logic of the first smart contract to deposit the remittance information in the first block chain.

Optionally, the remittance information includes remittance account number, remittance amount, remittance currency, and remittance account; and the receiving account number are stored in the first blockchain.

Optionally, the cross-border remittance participant also includes a liquidity provider; the deposit certificate module further: the liquidity provider obtains the remittance amount and the remittance currency from the first block chain, so that the flow The sex provider performs liquidity calculation based on the remittance amount and the remittance currency, obtains the exchange rate corresponding to the remittance currency and the first remittance amount of the remittance amount under the exchange rate, and calculates the first remittance amount Update to the said remittance information stored on the chain.

Optionally, the cross-border remittance participant also includes a remittance receiver; the certificate deposit module further: the remittance receiver acquires the remittance information from the first block chain and confirms the acquired remittance information, and The confirmation result of the remittance information is stored in the first block chain.

Optionally, the participants in the cross-border remittance also include a collection and payment institution; the certificate depositing module further: the collection and payment institution obtains the remittance information from the first block chain and confirms the obtained remittance information, and The confirmation result of the remittance information is stored in the first block chain.

Optionally, the account fund information includes the transfer amount for the cross-border remittance business transferred from the account fund deposited by the cross-border remittance participant in the second block chain; the remittance module further: calls the The query logic in a smart contract cross-chain calls the second smart contract to query the transfer amount, and stores the transfer amount in the first block chain; calls the verification logic in the first smart contract to verify the transfer amount The amount and the first remittance amount are subject to data verification, and will be stored in the first block chain based on the data verification results.

Optionally, the remittance module further: calls the verification logic in the first smart contract to verify whether the transfer amount is consistent with the first remittance amount.

Optionally, the transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by corresponding cross-border remittance participants based on a homomorphic encryption algorithm; the remittance module further: calls the verification logic in the first smart contract to verify the same Whether the transfer amount after state encryption is consistent with the first remittance amount.

Optionally, the remittance module further: when the data verification result is passed, update the transaction status to success; otherwise, update the transaction status to failure.

Optionally, the blockchain is an alliance chain.

The present application also provides an electronic device, including a communication interface, a processor, a memory, and a bus, and the communication interface, the processor, and the memory are connected to each other through a bus; machine-readable instructions are stored in the memory, The processor executes the above-mentioned method by invoking the machine-readable instruction.

The present application also provides a machine-readable storage medium, where the machine-readable storage medium stores machine-readable instructions, and when the machine-readable instructions are called and executed by a processor, the above method is implemented.

In the above technical solution, based on the cross-chain communication between the first smart contract deployed in the first blockchain and the second smart contract deployed in the second blockchain, the second blockchain related to the cross-border remittance business is obtained The account fund information of CDC and the remittance information stored in the first block chain are verified, and the transaction status of cross-border remittance business is updated and maintained according to the data verification results. On the one hand, the data consistency of cross-chain data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the blockchain and the immutable characteristics of data, cross-border remittance participants can query and confirm the transaction status of cross-border remittance business in real time, which improves the transparency and security of cross-border remittance.

Description of drawings

Figure 1 is a schematic diagram of a blockchain network for cross-border remittance based on smart contracts provided by an embodiment of this specification;

Fig. 2 is a flowchart of a blockchain-based cross-border remittance method provided by an embodiment of this specification;

Fig. 3 is a schematic diagram of an interactive process for cross-border remittance based on smart contract cross-chain communication provided by an embodiment of this specification;

Fig. 4 is a schematic structural diagram of an electronic device provided by an embodiment of this specification;

Fig. 5 is a block diagram of a blockchain-based cross-border remittance device provided by an embodiment of this specification.

Detailed ways

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, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. Implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of this specification. Rather, they are merely examples of apparatuses and methods consistent with aspects of one or more embodiments of the present specification as recited in the appended claims.

It should be noted that in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described in this specification. In some other embodiments, the method may include more or less steps than those described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; multiple steps described in this specification may also be combined into a single step in other embodiments describe.

Please refer to Figure 1. Figure 1 is a schematic diagram of a blockchain network for cross-border remittance based on smart contracts provided by an embodiment of this specification.

As shown in Figure 1, the network includes the first block chain, the second block chain, the remittance initiator, the liquidity provider, the collection and payment institution, and the remittance receiver; The first smart contract for maintaining the transaction status of the cross-border remittance participants to perform the cross-border remittance business; the second smart contract for maintaining the transfer status of the account fund information of the cross-border remittance participants is deployed in the second block chain; The first smart contract and the second smart contract are bound to each other for cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain. When the remittance initiator joins the second blockchain network in advance as a node device of the second blockchain, the remittance initiator can also join the first blockchain network as a node device of the first blockchain, and as the second blockchain network The liquidity provider, payment institution, and remittance receiver of the node equipment of a blockchain jointly maintain the blockchain ledger of the first blockchain.

Of course, in practical applications, when the liquidity provider, collection and payment institution, and remittance receiver have been pre-connected to other blockchains in their corresponding business management systems, the liquidity provider, collection and payment institution, and remittance recipient At the same time, the party can also join the first blockchain network as a node device of the first blockchain.

It should be noted that, in practical applications, the remittance initiator, liquidity provider, collection and payment institution, and remittance receiver may not join the blockchain as a node device of the blockchain, but may Node devices are connected to the blockchain in a way that keeps connected, and the data generated by itself is stored persistently in the blockchain.

Based on the network architecture shown in Figure 1, this specification aims to propose a cross-chain binding communication based on multiple smart contracts of different blockchains to ensure cross-chain data consistency related to remittances Cross-border remittance technology solutions.

When implemented, the cross-border remittance management system is built based on the first block chain and the second block chain; among them, the first block chain is deployed to maintain the transaction status of cross-border remittance participants performing cross-border remittance business The first smart contract; the second smart contract is deployed in the second block chain to maintain the transfer status of the account fund information of the cross-border remittance participants; the first smart contract and the second smart contract are bound to each other for cross-chain communication ; The remittance information corresponding to the cross-border remittance business is stored in the first block chain.

Further, when it is determined that the transaction status indicates that the cross-border remittance participant has confirmed the remittance information, call the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the transfer status of the account fund information maintained by the second smart contract .

Further, when the transfer state indicates that the account funds corresponding to the account fund information have been transferred successfully, the first smart contract is further invoked to perform data verification on the account fund information and remittance information, and update the transaction status based on the data verification results, so that each cross The cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.

The specification is described below through specific embodiments and in combination with specific application scenarios.

Please refer to Figure 2, Figure 2 is a flow chart of a blockchain-based cross-border remittance method provided by an exemplary embodiment; Remittance management system; wherein, the first smart contract for maintaining the transaction status of cross-border remittance participants in the execution of cross-border remittance business is deployed in the first block chain; the second block chain is deployed for maintaining cross-border remittance The second smart contract of the transfer status of the account fund information of the participant; the first smart contract and the second smart contract are bound to each other for cross-chain communication; the first block chain stores the remittance corresponding to the above-mentioned cross-border remittance business information; the method described above performs the following steps.

Step 202: When it is determined that the above-mentioned transaction status indicates that the cross-border remittance participant has confirmed the above-mentioned remittance information, call the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the account fund information maintained by the second smart contract Transfer status.

Step 204: When the above-mentioned transfer status indicates that the account funds corresponding to the above-mentioned account fund information have been successfully transferred, further call the first smart contract to perform data verification on the above-mentioned account fund information and the above-mentioned remittance information, and update the above-mentioned transaction status based on the data verification results , so that each cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the above transaction status indicates success.

Blockchains are generally divided into three types: Public Blockchain, Private Blockchain and Consortium Blockchain. In addition, there can be a combination of the above types, such as private chain + alliance chain, alliance chain + public chain, etc.

Among them, the public chain has the highest degree of decentralization. The public chain is represented by Bitcoin and Ethereum. Participants who join the public chain (also called nodes in the blockchain) can read the data records on the chain, participate in transactions, and compete for the bookkeeping rights of new blocks, etc. . Moreover, each node can freely join or exit the network and perform related operations.

On the contrary, the private chain, the write permission of the network is controlled by an organization or institution, and the data read permission is regulated by the organization. In simple terms, a private chain can be a weakly centralized system with strict restrictions on nodes and a small number of nodes. This type of blockchain is more suitable for internal use by specific institutions.

The alliance chain is a blockchain between the public chain and the private chain, which can realize "partial decentralization". Each node in the consortium chain usually has a corresponding entity or organization; nodes join the network through authorization and form an alliance of stakeholders to jointly maintain the operation of the blockchain.

In this specification, the above-mentioned first block chain is any type of block chain deployed to maintain the transaction status of cross-border remittance participants performing cross-border remittance business; wherein, the specific type of the above-mentioned first block chain It can include any one of public chain, private chain, and alliance chain.

For example, in practical applications, the above-mentioned first blockchain may be an alliance chain.

In this specification, the above-mentioned second block chain is any type of block chain that deploys the second smart contract for maintaining the transfer status of the account fund information of the cross-border remittance participants; wherein, the above-mentioned second block chain The specific type of chain can include any one of public chain, private chain, and alliance chain.

For example, in practical applications, the above-mentioned second blockchain can be an alliance chain.

In this manual, the above-mentioned cross-border remittance participants refer to the participants that perform cross-border remittance business.

For example, in practical applications, the above-mentioned cross-border remittance participants may specifically include the initiator of the remittance, the liquidity provider, the collection and payment institution, and the remittance receiver.

In this manual, the above-mentioned remittance initiators may include any commercial institution (Type B institution) located in China that has a large amount and frequency of cross-border remittances and independently owns a fund management system.

For example, the above-mentioned initiator of the remittance may specifically be the Alipay system or other third-party financial institutions that are located in China and independently have a fund management system.

In this specification, the above-mentioned receiving and payment institutions may include domestic or overseas banking institutions that support cross-border remittances; wherein, the above-mentioned remittance initiator has opened a remittance account for initiating cross-border remittances at the above-mentioned receiving and payment institutions.

For example, the above-mentioned collection and payment institution may specifically be the Hangzhou branch of China Merchants Bank that supports cross-border remittance in China, and the Alipay system has opened a remittance account for initiating cross-border remittance at this branch.

As another example, the above-mentioned remittance institution may specifically be an overseas branch of Citibank USA that supports cross-border remittances, and the Alipay system has opened a remittance account for initiating cross-border remittances at this branch.

As another example, the above-mentioned remittance institutions may specifically include China Merchants Bank Hangzhou Branch that supports cross-border remittances in China and Citibank US Branch that supports cross-border remittances located overseas; China Merchants Bank Hangzhou Branch and Citibank US Branch cooperate to implement cross-border remittances International remittance business.

In this specification, the above-mentioned remittance recipients may include any type of remittance recipients located overseas for receiving cross-border remittances from the above-mentioned collection and payment institutions; The receiving account for overseas remittances.

Continuing with the above example, the above-mentioned remittance recipients may specifically include C-type users or B-type institutions that have opened a collection account at the US branch of Citibank. For example, taking the remittance receiver as an example of a Class B institution, the remittance receiver may specifically be JPMorgan Chase Bank in the United States.

In this manual, the aforementioned liquidity provider may include a liquidity provider (Liquid Provider) that provides liquidity services in the process of cross-border remittance business; In the process of cross-border remittance to the above-mentioned remittance recipients, the payment institution provides liquidity services such as fund transfer, advance payment and currency exchange.

Continuing with the above example, the above-mentioned liquidity providers may specifically include branch banks opened by Citibank in China, such as: Citibank Hangzhou Branch; among them, in the process of cross-border remittance from the Alipay system to JPMorgan Chase Bank (the Alipay system will The remittance funds in the remittance account opened by China Merchants Bank Hangzhou Branch are remitted to the collection account opened by JPMorgan Chase Bank US Branch in Citibank US Branch through China Merchants Bank Hangzhou Branch and Citibank US Branch) to provide fund transfer, advance payment and currency Liquidity services such as exchange.

In this specification, the above-mentioned cross-border remittance participants can also pre-connect to the above-mentioned second blockchain network before accessing the above-mentioned first blockchain.

Taking the cross-border remittance participant as the remittance initiator as an example, as shown in Figure 1, the remittance initiator can also be pre-connected to the second blockchain before accessing the first blockchain.

Of course, in practical applications, the above-mentioned liquidity provider, the above-mentioned collection and payment institution, and the above-mentioned remittance receiver are also pre-connected to other blockchains in their respective business management systems before accessing the above-mentioned first blockchain. , which are not specifically limited in this specification.

It should be noted that the above-mentioned remittance initiator, the above-mentioned liquidity provider, the above-mentioned collection and payment institution, and the above-mentioned remittance receiver can be used as blockchains (for example: the above-mentioned first blockchain, the above-mentioned second blockchain, other blockchains, etc.) Chain) node devices are added to the blockchain network to jointly maintain the blockchain ledger. Of course, in practical applications, the remittance initiator, payment institution, and remittance receiver may not join the blockchain as a node device of the blockchain, but connect with the node device on the blockchain. Enter the blockchain, and store the data generated by itself in the blockchain persistently.

In this specification, the above-mentioned remittance information refers to the remittance information corresponding to the cross-border remittance business.

In one embodiment shown, when the above-mentioned cross-border remittance participants include the above-mentioned remittance initiator, the above-mentioned first blockchain can receive a certificate deposit request initiated by the above-mentioned remittance initiator to deposit the above-mentioned remittance information; In response to the above certificate deposit request, call the certificate deposit logic of the above first smart contract to deposit the above remittance information in the first block chain.

Continuing with the above example, taking the Alipay system as the remittance initiator to continue the example, the first block chain can receive the certificate deposit request initiated by the Alipay system to deposit the remittance information; in response to the certificate deposit request, call the depository of the first smart contract The evidence logic stores the remittance information in the first block chain.

In an illustrated embodiment, the above-mentioned remittance information may include a remittance account number, a remittance amount, a remittance currency, and a remittance account number.

For example, when a user makes a cross-border remittance through the above-mentioned remittance initiator, the above-mentioned remittance initiator can obtain the information such as the remittance account number, remittance amount, remittance currency, and remittance account number entered by the user and determine it as remittance information for storage.

In this specification, further, in the process of calling the deposit logic of the first smart contract to deposit the above remittance information in the first blockchain, the first blockchain can call the deposit logic of the first smart contract Store the remittance account number, remittance amount, remittance currency and receiving account number in the first blockchain.

Of course, in practical applications, the above remittance information may also include the user's identity information, contact information, and the like.

In one embodiment shown, when the above-mentioned cross-border remittance participants also include the above-mentioned liquidity provider, the above-mentioned liquidity provider can obtain the above-mentioned remittance amount and the above-mentioned remittance currency from the above-mentioned first block chain to Make the liquidity provider calculate the liquidity based on the above remittance amount and the above remittance currency, obtain the exchange rate corresponding to the above remittance currency and the first remittance amount of the above remittance amount under the above exchange rate, and update the first remittance amount to the chain In the above remittance information on the deposit certificate.

Continuing with the above example, taking the liquidity provider as Citibank Hangzhou Branch to continue the example, Citibank Hangzhou Branch can obtain the remittance amount (for example: 10,000) and remittance currency (for example: RMB), and calculate the liquidity based on the remittance amount and the remittance currency, and obtain the exchange rate corresponding to the remittance currency (for example: the exchange rate of RMB against other currencies; where the other currencies can specifically include the US dollar, the euro , Japanese yen, etc.) and the first remittance amount of the remittance amount under the exchange rate, and update the first remittance amount to the remittance information of the on-chain deposit certificate. For example: if the remittance amount is 10,000 RMB and the exchange rate of RMB to USD is 0.15, the first remittance amount is 1,500 USD.

It should be noted that in practical applications, in addition to updating the first remittance amount to the remittance information on the on-chain certificate, the exchange rate corresponding to the first remittance amount can also be updated to the on-chain remittance information on the certificate.

In this specification, after the above-mentioned remittance information is deposited in the above-mentioned first blockchain, the above-mentioned cross-border remittance participants can confirm the above-mentioned remittance information.

In one embodiment shown, when the above-mentioned cross-border remittance participant also includes the above-mentioned remittance receiver, the above-mentioned remittance receiver can obtain the above-mentioned remittance information from the above-mentioned first block chain and confirm the above-mentioned remittance information obtained , and store the confirmation result of the above-mentioned remittance information in the above-mentioned first block chain.

Continuing with the above example, taking the remittance receiver as JPMorgan Chase Bank US Branch to continue the example, JPMorgan Chase Bank US Branch can obtain the remittance information from the first blockchain and confirm the obtained remittance information (for example, it can include the remittance information in the remittance information Account number, remittance amount, remittance currency, receiving account number, the first remittance amount and its corresponding exchange rate for legality check), and the confirmation result of the remittance information will be signed by the private key held and stored in the above first in the blockchain.

In one embodiment shown, when the above-mentioned cross-border remittance participants also include the above-mentioned collection and payment institution, the above-mentioned collection and payment institution can obtain the above-mentioned remittance information from the above-mentioned first block chain and confirm the obtained above-mentioned remittance information , and store the confirmation result of the above remittance information in the first block chain.

Continuing with the above example, take the receiving and paying institutions including China Merchants Bank Hangzhou Branch and Citibank US Branch as an example. China Merchants Bank Hangzhou Branch and Citibank US Branch can respectively obtain remittance information from the first blockchain and confirm the obtained remittance information separately (For example, it may include checking the legitimacy of the remittance account number, remittance amount, remittance currency, receiving account number, first remittance amount and its corresponding exchange rate in the remittance information), and will confirm the remittance information through the respective After the private key signature is stored in the above-mentioned first block chain.

Similarly, the above-mentioned liquidity provider can also obtain the above-mentioned remittance information from the above-mentioned first blockchain and confirm the above-mentioned remittance information obtained, and store the confirmation result of the above-mentioned remittance information in the first blockchain, I won't go into details here.

In this specification, the above-mentioned first block chain can call the above-mentioned first smart contract to check the confirmation results of the above-mentioned remittance information deposited by the above-mentioned cross-border remittance participants in the first block chain, and determine based on the check result Maintain the transaction status of cross-border remittance participants performing cross-border remittance business.

For example, in practical applications, the transaction status can indicate that all cross-border remittance participants (such as: remittance initiators, liquidity providers, collection and payment institutions, and remittance receivers) have confirmed the results of the remittance information deposited on the chain. In order to pass, some cross-border remittance participants can also be instructed to confirm that the confirmation result of the remittance information deposited on the chain fails.

In this specification, the above-mentioned account fund information may include the funds transferred from the account balance deposited by the above-mentioned cross-border remittance participants in the second blockchain in the fund management system based on the above-mentioned second blockchain. The transfer amount of the cross-border remittance business; wherein, the above-mentioned transfer amount is stored in the above-mentioned second block chain.

For example, taking the cross-border remittance participant as the remittance initiator, and the remittance initiator as the Alipay system as an example, the account fund information may specifically include information from the Alipay system in the second blockchain in the fund management system based on the second blockchain. The transfer amount M (for example: the transfer amount is 10,000 RMB) transferred from the account balance N (for example: the account balance is 1 million RMB) for cross-border remittance business, and the transfer amount M is deposited in the certificate in the second blockchain.

In this specification, the above-mentioned transfer status is used to indicate whether the account funds corresponding to the above-mentioned account fund information are transferred from the account balance stored in the second blockchain by the above-mentioned fund management system.

Continuing with the above example, the transfer status can indicate that the transfer amount M (for example: 10,000 RMB) has been successfully transferred from the account balance N (for example: 1 million RMB) (at this time, the account balance N is (1 million RMB-1 10,000 RMB=990,000 RMB), it may also indicate that the transfer amount M has not been successfully transferred from the account balance N (at this time, the account balance N is (1 million RMB).

In this specification, when it is determined that the above-mentioned transaction status indicates that the above-mentioned cross-border remittance participants have all confirmed the remittance information stored on the chain as passed, the above-mentioned first blockchain can call the query logic in the above-mentioned first smart contract Cross-chain call the above second smart contract query to obtain the transfer status of the account fund information maintained by the second smart contract.

Continuing with the above example, when it is determined that the transaction status maintained by the first smart contract indicates that all cross-border remittance participants have passed the confirmation results of the remittance information deposited on the chain, the first blockchain can call the first smart contract The query logic in cross-chain calls the second smart contract query to obtain the transfer status of the account fund information maintained by the second smart contract.

In this specification, when the above-mentioned transfer status indicates that the account funds corresponding to the above-mentioned account fund information have been transferred successfully, the above-mentioned first blockchain further invokes the above-mentioned first smart contract to perform data verification on the above-mentioned account fund information and the above-mentioned remittance information.

In one embodiment shown, in the process of invoking the above-mentioned first smart contract to perform data verification on the above-mentioned account fund information and the above-mentioned remittance information, the above-mentioned first block chain calls the query logic in the above-mentioned first smart contract Cross-chain calls the above second smart contract to query to obtain the above transfer amount, and store the above transfer amount in the first block chain.

Continuing with the above example, the first blockchain calls the query logic in the first smart contract to query the second smart contract across the chain to get the transfer amount M (for example: 10,000 RMB or 1,500 USD), and transfers the transfer amount Stored in the first blockchain.

In one embodiment shown, in the process of invoking the verification logic in the above-mentioned first smart contract to perform data verification on the above-mentioned transfer amount and the first remittance amount, the above-mentioned first block chain calls the above-mentioned first smart contract The verification logic checks whether the above transfer amount is consistent with the first remittance amount.

Continuing with the above example, the first block chain transfers the amount M (for example: 10,000 RMB or 1,500 US dollars) by calling the verification logic in the first smart contract, and verifies whether the transferred amount M is consistent with the first remittance amount.

It should be noted that in the process of verifying whether the above transfer amount is consistent with the first remittance amount, the above first smart contract can be called to convert the above transfer amount and the first remittance amount based on the exchange rate corresponding to the first remittance amount deposited on the chain. After the amount is converted to the amount in the same currency, compare whether the two amounts converted to the same currency are consistent.

In one embodiment shown, the above-mentioned transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by the above-mentioned cross-border remittance participants based on the homomorphic encryption algorithm, and the verification logic in the first smart contract is called In the process of data verification of the transfer amount and the first remittance amount, the first block chain invokes the verification logic in the first smart contract to verify whether the transfer amount after homomorphic encryption is consistent with the first remittance amount.

Continuing with the above example, the remittance initiator performs homomorphic encryption based on the homomorphic encryption algorithm for the transfer amount, and the first remittance amount is executed by the liquidity provider based on the homomorphic encryption algorithm. Continuing the example, the first blockchain The verification logic in the first smart contract can be called to verify whether the transfer amount after homomorphic encryption is consistent with the first remittance amount.

What needs to be said is that since the above-mentioned transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by the corresponding cross-border remittance participants based on the homomorphic encryption algorithm, it can be guaranteed that even smart contracts (the first smart contract, the second (2) smart contract) itself cannot see the real value of the transfer amount and the first remittance amount respectively, but the smart contract can still perform the above-mentioned transfer amount and the first remittance amount after homomorphic encryption based on following the algebraic algorithm data verification.

Similarly, when the above-mentioned remittance initiator submits the above-mentioned remittance information to the above-mentioned first blockchain for storage, the above-mentioned remittance initiator can also perform homomorphic encryption on the above-mentioned remittance information based on a homomorphic encryption algorithm and then submit it to the above-mentioned first block chain. A blockchain saves.

In this specification, after the above-mentioned account fund information and the above-mentioned remittance information are verified, the above-mentioned first smart contract can store the data verification result in the first block chain, and update the above-mentioned transaction status based on the above-mentioned data verification result.

In one embodiment shown, when the data verification result is passed, the first smart contract updates the transaction status to success; otherwise, updates the transaction status to failure.

Continuing with the above example, when the data verification result is passed, the first smart contract updates the maintained transaction status to success; otherwise, the maintained transaction status is updated to fail.

In this specification, the above-mentioned cross-border remittance participant can obtain the above-mentioned transaction status maintained by the above-mentioned first smart contract, and execute the cross-border remittance corresponding to the above-mentioned remittance information when the above-mentioned transaction status indicates success.

Continuing with the above example, the receiving and paying institutions include China Merchants Bank Hangzhou Branch and Citibank US Branch, the remittance initiator is the Alipay system, and the remittance receiver is JPMorgan Chase Bank US Branch. Continue the example, when the transaction status maintained by the first smart contract indicates success , China Merchants Bank Hangzhou Branch and Citibank US Branch can substantially transfer the frozen first remittance amount corresponding to the above-mentioned remittance to JPMorgan Chase Bank US Branch, so as to complete the transfer from the Alipay system to JPMorgan Chase Bank US Branch border remittance.

For the convenience of overall understanding, please refer to Figure 3, which is a schematic diagram of an interactive process for cross-border remittance based on smart contract cross-chain communication provided by an embodiment of this specification.

The network in Figure 3 includes remittance initiators, liquidity providers, collection and payment institutions, remittance receivers, and the first area where the first smart contract for maintaining the transaction status of cross-border remittance participants performing cross-border remittance business is deployed The block chain and the second block chain deployed with the second smart contract for maintaining the transfer state of the account fund information of the cross-border remittance participants are the same as the description in Figure 1, and will not be repeated here.

As shown in Figure 3, the interaction process between the remittance initiator, liquidity provider, remittance recipient of the collection and payment institution, the first smart contract, and the second smart contract is described in the following steps: S300. The account fund information of the remittance initiator corresponding to the remittance information and the transfer status of the account fund information; S301. The remittance initiator stores the remittance information in the first block chain; S302. The liquidity provider Calculate the first remittance amount, and update the remittance information based on the first remittance amount; S303. The remittance initiator confirms the remittance information of the certificate deposited on the chain; S304. The liquidity provider confirms the remittance information of the certificate deposited on the chain; S305 .The remittance receiver confirms the remittance information stored on the chain; S306. The payment institution confirms the remittance information stored on the chain; S307. All cross-border remittance participants confirm the remittance information stored on the chain When passing, the first smart contract cross-chain obtains the account fund information and the transfer status of the account fund information from the second smart contract; S308. When the transfer status is successfully transferred, check the account fund information and remittance information, and update the transaction status; S309. Execute the cross-border remittance corresponding to the remittance information when the transaction status is successful.

It can be seen from the above embodiments that based on the cross-chain communication between the first smart contract deployed in the first blockchain and the second smart contract deployed in the second blockchain, the second blockchain related to the cross-border remittance business can be obtained. The account fund information of CDC and the remittance information stored in the first block chain are verified, and the transaction status of cross-border remittance business is updated and maintained according to the data verification results. On the one hand, the data consistency of cross-chain data related to cross-border remittance business is guaranteed. On the other hand, based on the decentralized architecture of the blockchain and the immutable characteristics of data, cross-border remittance participants can query and confirm the transaction status of cross-border remittance business in real time, which improves the transparency and security of cross-border remittance.

It should be noted that, in the above embodiments, the remittance initiator is used as a block chain member device to access the first block chain and the second block chain respectively for example description. In practical applications, liquidity providers, collection and payment institutions, and remittance receivers can also pre-connect to other blockchains in their corresponding business management systems before accessing the first blockchain, and based on the above The similar process described in the embodiment realizes the synchronization of cross-chain data between other blockchains and the first blockchain to ensure the data consistency of cross-chain data related to cross-border remittance business.

Corresponding to the above method embodiments, this specification also provides an embodiment of a blockchain-based cross-border remittance device.

The embodiment of the blockchain-based hierarchical storage device in this specification can be applied to electronic equipment. The device embodiments can be implemented by software, or by hardware or a combination of software and hardware. Taking software implementation as an example, as a device in a logical sense, it is formed by reading the corresponding computer program instructions in the non-volatile memory into the memory for operation by the processor of the electronic device where it is located.

From the perspective of hardware, as shown in Figure 4, it is a hardware structure diagram of the electronic device where the blockchain-based cross-border remittance device in this manual is located, except for the processor, memory, network interface, and In addition to the non-volatile memory, the electronic device where the device in the embodiment is located usually may also include other hardware according to the actual function of the electronic device, which will not be repeated here.

Fig. 5 is a block diagram of a blockchain-based cross-border remittance device shown in an exemplary embodiment of this specification.

Please refer to Figure 5, the block chain-based cross-border remittance device 50 can be applied to the electronic device shown in Figure 4 above; wherein, the first block chain is deployed to maintain cross-border remittance participants to perform cross-border remittance The first smart contract for the transaction status of the business; the second smart contract for maintaining the transfer status of the account fund information of the cross-border remittance participants is deployed in the second block chain; the first smart contract and the second smart contract are bound to each other cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain; the device 50 includes: a query module 501, which indicates that the cross-border remittance When the remittance information is confirmed, call the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the transfer status of the account fund information maintained by the second smart contract; the remittance module 502, when the transfer status indication and When the account funds corresponding to the account fund information have been transferred successfully, the first smart contract is further called to perform data verification on the account fund information and the remittance information, and the transaction status is updated based on the data verification results, so that cross-border The remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.

In this embodiment, the cross-border remittance participant includes the remittance initiator, and the device further includes a certificate depositing module, the certificate depositing module: receiving a certificate depositing the remittance information initiated by the remittance initiator request; in response to the certificate deposit request, calling the certificate deposit logic of the first smart contract to deposit the remittance information in the first block chain.

In this embodiment, the remittance information includes remittance account number, remittance amount, remittance currency, and remittance account number; Currency and receiving account number are stored in the first blockchain.

In this embodiment, the cross-border remittance participant also includes a liquidity provider; the deposit certificate module further: the liquidity provider obtains the remittance amount and the remittance currency from the first block chain to Make the liquidity provider perform liquidity calculation based on the remittance amount and the remittance currency, obtain the exchange rate corresponding to the remittance currency and the first remittance amount of the remittance amount under the exchange rate, and convert the first The remittance amount is updated to the remittance information in the certificate stored on the chain.

In this embodiment, the cross-border remittance participant also includes a remittance receiver; the certificate deposit module further: the remittance receiver acquires the remittance information from the first block chain and confirms the acquired remittance information , and store the confirmation result of the remittance information in the first block chain.

In this embodiment, the cross-border remittance participant also includes a collection and payment institution; the certificate deposit module further: the collection and payment institution obtains the remittance information from the first block chain and confirms the obtained remittance information , and store the confirmation result of the remittance information in the first block chain.

In this embodiment, the account fund information includes the transfer amount used for the cross-border remittance business from the account funds deposited by the cross-border remittance participant in the second block chain; the remittance module 502 further : Call the query logic in the first smart contract to cross-chain call the second smart contract to query to get the transfer amount, and store the transfer amount in the first block chain; call the verification logic in the first smart contract to The transfer amount and the first remittance amount are subject to data verification, and will be stored in the first block chain based on the data verification results.

In this embodiment, the remittance module 502 further: calls the verification logic in the first smart contract to check whether the transfer amount is consistent with the first remittance amount.

In this embodiment, the transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by corresponding cross-border remittance participants based on a homomorphic encryption algorithm; the remittance module 502 further: calls the verification in the first smart contract Logically check whether the transfer amount after homomorphic encryption is consistent with the first remittance amount.

In this embodiment, the remittance module 502 further: when the data verification result is passed, update the transaction status to success; otherwise, update the transaction status to failure.

In this embodiment, the block chain is an alliance chain.

The systems, devices, modules, or units described in the above embodiments can be specifically implemented by computer chips or entities, or by products with certain functions. A typical implementing device is a computer, which may take the form of a personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media player, navigation device, e-mail device, game control device, etc. desktops, tablets, wearables, or any combination of these.

In a typical configuration, a computer includes one or more processors (CPUs), input/output interfaces, network interfaces and memory.

Memory may include non-permanent storage in computer-readable media, in the form of random access memory (RAM) and/or nonvolatile memory such as read-only memory (ROM) or flash RAM. Memory is an example of computer readable media.

Computer-readable media, including both permanent and non-permanent, removable and non-removable media, can be implemented by any method or technology for storage of information. 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 Disc (DVD) or other optical storage, Magnetic cassettes, disk storage, quantum memory, graphene-based storage media or other magnetic storage devices or any other non-transmission media that can be used to store information that can be accessed by computing devices. As defined herein, computer-readable media excludes transitory computer-readable media, such as modulated data signals and carrier waves.

It should also be noted that the term "comprises", "comprises" or any other variation thereof is intended to cover a non-exclusive inclusion such that a process, method, article, or apparatus comprising a set of elements includes not only those elements, but also includes Other elements not expressly listed, or elements inherent in the process, method, commodity, or apparatus are also included. Without further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article or apparatus comprising said element.

The foregoing describes specific embodiments of this specification. Other implementations are within the scope of the following claims. In some cases, the actions or steps recited in the claims can be performed in an order different from that 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. Multitasking and parallel processing are also possible or may be advantageous in certain embodiments.

Terms used in one or more embodiments of the present specification are for the purpose of describing specific embodiments only, and are not intended to limit the one or more embodiments of the present specification. As used in one or more embodiments of this specification and the appended claims, the singular forms "a", "the", and "the" are also intended to include the plural forms unless the context clearly dictates otherwise. It should also be understood that the term "and/or" as used herein refers to and includes 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 specification to describe various information, the information should not be limited to these terms. These terms are only used to distinguish information of the same type from one another. For example, without departing from the scope of one or more embodiments of this specification, first information may also be called second information, and similarly, second information may also be called first information. Depending on the context, the word "if" as used herein may be interpreted as "at" or "when" or "in response to a determination".

The above descriptions are only preferred embodiments of one or more embodiments of this specification, and are not intended to limit one or more embodiments of this specification. Within the spirit and principles of one or more embodiments of this specification, Any modification, equivalent replacement, improvement, etc. should be included in the scope of protection of one or more embodiments of this specification.

Claims

A blockchain-based cross-border remittance method, applied to a cross-border remittance management system based on the first blockchain and the second blockchain; wherein, the first blockchain is deployed to maintain cross-border remittance Participants execute the first smart contract of the transaction state of the cross-border remittance business; the second smart contract is deployed in the second block chain to maintain the transfer status of the account fund information of the cross-border remittance participant; the first smart contract and The second smart contract is bound to each other for cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain; the method includes:

When it is determined that the transaction status indicates that the cross-border remittance participant has confirmed the remittance information, call the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the transfer of the account fund information maintained by the second smart contract state;

When the transfer status indicates that the account funds corresponding to the account fund information have been transferred successfully, the first smart contract is further invoked to perform data verification on the account fund information and the remittance information, and update the The transaction status, so that the cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.
According to the method according to claim 1, the cross-border remittance participants include remittance initiators, and the method further includes:

Receiving a certificate deposit request for depositing the remittance information initiated by the remittance initiator; in response to the certificate deposit request, calling the certificate deposit logic of the first smart contract to deposit the remittance information in the first block chain .
According to the method according to claim 2, the remittance information includes remittance account number, remittance amount, remittance currency, and remittance account number;

The deposit logic of calling the first smart contract stores the remittance information in the first block chain, including:

The deposit logic in the first smart contract is invoked to save the remittance account number, remittance amount, remittance currency and collection account number in the first blockchain.
According to the method according to claim 3, said cross-border remittance participants also include liquidity providers; said method also includes:

The liquidity provider obtains the remittance amount and the remittance currency from the first block chain, so that the liquidity provider performs liquidity calculation based on the remittance amount and the remittance currency, and obtains the remittance currency A corresponding exchange rate and the first remittance amount of the remittance amount under the exchange rate, and update the first remittance amount to the remittance information stored on the chain.
According to the method according to claim 2, said cross-border remittance participants also include remittance receivers; said method also includes:

The remittance receiver obtains the remittance information from the first block chain and confirms the obtained remittance information, and stores the confirmation result of the remittance information in the first block chain.
According to the method according to claim 2, said cross-border remittance participants also include collection and payment institutions; said method also includes:

The collection and payment institution obtains the remittance information from the first block chain, confirms the obtained remittance information, and stores the confirmation result of the remittance information in the first block chain.
According to the method according to claim 4, the account fund information includes the transfer amount for the cross-border remittance business drawn from the account funds deposited by the cross-border remittance participant in the second block chain;

The calling of the first smart contract to perform data verification on the account fund information and the remittance information includes:

Invoke the query logic in the first smart contract to cross-chain call the second smart contract to query the transfer amount, and store the transfer amount in the first block chain;

The verification logic in the first smart contract is invoked to perform data verification on the transferred amount and the first remittance amount, and the result of the data verification is stored in the first block chain.
The method according to claim 7, said calling the verification logic in the first smart contract to perform data verification on the transfer amount and the first remittance amount, comprising:

Call the verification logic in the first smart contract to verify whether the transfer amount is consistent with the first remittance amount.
According to the method according to claim 8, the transfer amount and the first remittance amount are respectively subjected to homomorphic encryption by corresponding cross-border remittance participants based on a homomorphic encryption algorithm;

The calling of the verification logic in the first smart contract performs data verification on the transfer amount and the first remittance amount, including:

The verification logic in the first smart contract is invoked to verify whether the transfer amount after homomorphic encryption is consistent with the first remittance amount.
The method according to claim 1, said updating said transaction status based on data verification results, comprising:

When the data verification result is passed, the transaction status is updated as successful; otherwise, the transaction status is updated as failure.
The method according to claim 1, the block chain is an alliance chain.
A block chain-based cross-border remittance device; applied to a cross-border remittance management system based on the first block chain and the second block chain; wherein, the first block chain is deployed to maintain cross-border remittance Participants execute the first smart contract of the transaction state of the cross-border remittance business; the second smart contract is deployed in the second block chain to maintain the transfer status of the account fund information of the cross-border remittance participant; the first smart contract and The second smart contract is bound to each other for cross-chain communication; the remittance information corresponding to the cross-border remittance business is stored in the first block chain; the device includes:

The query module, when it is determined that the transaction status indicates that the cross-border remittance participant has confirmed the remittance information, calls the query logic in the first smart contract to cross-chain call the second smart contract to query and obtain the account funds maintained by the second smart contract the transfer status of the information;

The remittance module further invokes the first smart contract to perform data verification on the account fund information and the remittance information when the transfer status indicates that the account funds corresponding to the account fund information have been transferred successfully, and based on the data verification result The transaction status is updated, so that the cross-border remittance participant executes the cross-border remittance corresponding to the remittance information when the transaction status indicates success.
An electronic device comprising:

processor; memory for storing instructions executable by the processor;

Wherein, the processor implements the method according to any one of claims 1-11 by running the executable instruction.