CN107194798A - A kind of bank clearing method based on block chain alliance chain - Google Patents

A kind of bank clearing method based on block chain alliance chain Download PDF

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Publication number
CN107194798A
CN107194798A CN201710294603.0A CN201710294603A CN107194798A CN 107194798 A CN107194798 A CN 107194798A CN 201710294603 A CN201710294603 A CN 201710294603A CN 107194798 A CN107194798 A CN 107194798A
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transaction
amount
block chain
chain
money
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CN107194798B (en
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陈强
杨时杰
赵清利
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Guangdong Wangjin Holdings Co Ltd
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Guangdong Wangjin Holdings Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention is intended to provide a kind of bank clearing method based on block chain alliance chain, this method comprises the following steps：Build alliance's chain and common recognition algorithm；The initiator that merchandises initiates transaction；Transaction acceptance side handles Transaction Information；After each node is known together to transaction, transaction carries out book keeping operation operation on each node of block chain, and Transaction Information is written on block chain；Participant produces the netting amount of money if the netting amount of money is negative, does pending accounts processing if the netting amount of money is positive number, wait the remittance of the netting amount of money to amount and the amount calculating netting amount of money that keeps accounts of entering an item of expenditure in the accounts.The inter-bank that the present invention realizes decentralization between the bank federation of a mutual trust pays clearance, and both saves resource without reconciliation in clearing, also greatly reduces the probability of dispute generation.

Description

A kind of bank clearing method based on block chain alliance chain
Technical field
The present invention relates to a kind of bank clearing method based on block chain alliance chain.
Background technology
In the interbank fund transfer process of a standard, if Fa Kuan banks and reception bank do not open mutually account Family, they will have to rely on a center clearance or third party bank.Counterparty needs certain to third side in this way Expense, and tripartite has to pass through reconciliation and synchronous, easily produces dispute, if the Time Inconsistency of each node, it is also possible to There is part transaction record can not timely reconciliation success.
The content of the invention
To overcome the defect of above-mentioned prior art, the embodiments of the invention provide a kind of bank based on block chain alliance chain Liquidation method, realized between the bank federation of a mutual trust decentralization inter-bank pay clearance, and clearing when without Reconciliation is needed, resource is both saved, the probability of dispute generation is also greatly reduced.
In order to achieve the above object there is provided a kind of bank clearing method based on block chain alliance chain, comprise the following steps：
A) participant each provides node access alliance chain, and participates in the common recognition consistency algorithm of block chain；
B) transaction initiator is received after trading instruction, and Transaction Information is converted to block chain Transaction Information, and transaction is carried out After initiator confirms, other nodes on block catenary system are broadcasted；
C) transaction acceptance side receives Transaction Information, and is operated according to Transaction Information, and transaction is traded after operation Recipient confirms, and writes transaction results, and the transaction is then broadcast to other nodes；
D after) each node is known together to transaction, transaction carries out book keeping operation operation on each node of block chain, and transaction Information is written on block chain；
E) participant is produced if the netting amount of money is negative and rolled to amount and the amount calculating netting amount of money that keeps accounts of entering an item of expenditure in the accounts The poor amount of money, does pending accounts processing if the netting amount of money is positive number, waits the remittance of the netting amount of money.
It is preferred that, step B) in counterparty's validation testing for transaction initiator carry out Signature Confirmation, step C) in friendship Easy recipient's validation testing is that transaction acceptance side carries out Signature Confirmation.
It is preferred that, step C) in transaction acceptance side receive transaction request after, Transaction Information is parsed, handled and tested Card.
It is preferred that, step C) in operation for transaction acceptance root according to transaction request in real time to request operate account enter Row button account or the operation that keeps accounts.
It is preferred that, step D) in be traded before common recognition, the node that block is connected, those have been completed transaction initiate The block chain that side confirms with transaction acceptance side jointly is merchandised, and is stored in etc. in pending transaction queue.
It is preferred that, step D) in each node be traded before common recognition, wait pending transaction queue to reach certain amount, or Reach common recognition timing setting.
It is preferred that, block chain carries out a DayEndProcess daily, and DayEndProcess is that alliance's chain participant is obtained on block chain Effective occurrence record on the same day carries out amount and collected, and obtains enter an item of expenditure in the accounts amount and the amount that keeps accounts of the same day row, and carries out Netting processing, keep accounts the netting amount of money=amount of entering an item of expenditure in the accounts-amount.
It is preferred that, alliance's participant is checked and write off to the transaction that netting is disposed.
It is preferred that, Transaction Information includes account and the amount of money that transaction acceptance side to be operated.
Present invention advantage compared with prior art is：
The inter-bank that the present invention realizes decentralization between the bank federation of a mutual trust pays clearance, and in clearing Shi Wuxu reconciliations, both save resource, also greatly reduce the probability of dispute generation.Meanwhile, this mode of doing business is near real-time And be point-to-point, reduce Counterparty Risk, the clearing time be down to and calculated with millisecond.In regulator, one Individual block chain is the shared immutable total account book of All Activity, all regulators and auditing party's all Internet access, can be met Supervise requirement of the layer for Fund Supervision.
Brief description of the drawings
Fig. 1 is a kind of structural representation of embodiment of alliance's chain of the present invention；
Fig. 2 is a kind of schematic diagram of embodiment of method of the present invention.
Embodiment
In the present description, the orientation or position relationship of the instruction such as term " on ", " under ", " preceding " and " rear " are based on attached Orientation or position relationship shown in figure, are for only for ease of the description present invention rather than require that the present invention must be with specific orientation Construction and operation, therefore be not considered as limiting the invention.
The embodiment to the present invention is described further below in conjunction with the accompanying drawings.
The invention provides a kind of bank clearing method based on block chain alliance chain, reference picture 1 has 4 in alliance's chain Individual node, respectively with the node as bank A, B, C, D access alliance chain, each block chain node is point-to-point each other to be connected Connect letter.As the presently preferred embodiments, a kind of reference picture 2, bank clearing method based on block chain alliance chain of the present invention is included such as Lower step：
S01, the participant (banking institution) of alliance's chain each provides node access alliance chain, participates in being total to for block chain transaction Know consistency algorithm, there are bank A, B, C, D in four, i.e. Fig. 1 in the present embodiment banking institution.
S02, transaction initiator is received after trading instruction, Transaction Information (including transaction acceptance side's account to be operated And the amount of money) block chain Transaction Information is converted to, after the initiator that merchandises signs to transaction, to other sections on block catenary system Point is broadcasted.
Transaction acceptance side on S03, block chain, which is received, to be parsed after transaction request and is handled to Transaction Information and verified, Transaction acceptance root carries out button account or the operation that keeps accounts to the account for asking operation in real time according to transaction request, to by testing after operation The Transaction Information of card is transacted business recipient's signature, and is write transaction results, then this is completed the transaction signed twice wide It is multicast to other nodes.
Those are had been completed the area that transaction initiator signs jointly with transaction acceptance side by S04, the node that block is connected Block chain is merchandised, and is stored in etc. in pending transaction queue.
S05, when etc. pending transaction queue reach certain amount, or reach after common recognition timing setting, each node pair This batch transaction is known together.
S06, completes this batch of transaction after common recognition and carries out billing operations on block chain each node, Transaction Information is write Onto block chain.
S07, during DayEndProcess, effective occurrence record that alliance's chain participant obtains the same day on block chain carries out amount remittance Always, entering an item of expenditure in the accounts for the same day row is obtained amount and to keep accounts amount, and carry out netting processing (the netting amount of money=amount of entering an item of expenditure in the accounts- Keep accounts amount).
S08, alliance's chain participant is transferred to the netting amount of money, such as if the amount of money is negative according to the netting amount of money toward opponent's row The fruit amount of money is that positive number then does pending accounts processing, waits opponent's row to import and checks and writes off processing again.
Certain the above embodiments are intended only as a preferred embodiment, and according to actual conditions, the above method can be entered Row corresponding steps are increased and decreased and reversed order, and quantity, common recognition algorithm, trade confirmation mode of banking institution etc. can do phase It should change.
It can realize that payment information sender sends payment information, payment information transaction acceptance by block chain by above-mentioned Side obtains information by block chain and post-processes Transaction Information, quasi real time carries out feedback acknowledgment, branch after operating successfully to payment information Pay information to be stored on block chain, supervision layer can be with real time inspection with management and control movement of capital；When day clears eventually, between alliance chain member Clearance can obtain the transaction data on the same day and be cleared from block chain.
The announcement and teaching of book according to the above description, those skilled in the art in the invention can also be to above-mentioned embodiment party Formula is changed and changed.Therefore, the invention is not limited in embodiment disclosed and described above, to the present invention's Some modifications and changes should also be as falling into the scope of the claims of the present invention.Although in addition, being used in this specification Some specific terms, but these terms are merely for convenience of description, do not constitute any limitation to the present invention.

Claims (9)

1. a kind of bank clearing method based on block chain alliance chain, it is characterised in that comprise the following steps：
A) participant each provides node access alliance chain, and participates in the common recognition consistency algorithm of block chain；
B) transaction initiator is received after trading instruction, and Transaction Information is converted to block chain Transaction Information, and transaction is initiated After side confirms, other nodes on block catenary system are broadcasted；
C) transaction acceptance side receives Transaction Information, and is operated according to Transaction Information, and reception is traded to transaction after operation Side confirms, and writes transaction results, and the transaction is then broadcast to other nodes；
D after) each node is known together to transaction, transaction carries out book keeping operation operation on each node of block chain, and Transaction Information It is written on block chain；
E) participant produces netting gold to amount and the amount calculating netting amount of money that keeps accounts of entering an item of expenditure in the accounts if the netting amount of money is negative Volume, does pending accounts processing if the netting amount of money is positive number, waits the remittance of the netting amount of money.
2. the bank clearing method as claimed in claim 1 based on block chain alliance chain, it is characterised in that：The step B) in Counterparty's validation testing for transaction initiator carry out Signature Confirmation, the step C) in transaction acceptance side's validation testing for hand over Easy recipient carries out Signature Confirmation.
3. the bank clearing method as claimed in claim 1 based on block chain alliance chain, it is characterised in that：The step C) in Transaction acceptance side is received after transaction request, and Transaction Information is parsed, handled and verified.
4. the bank clearing method as claimed in claim 1 based on block chain alliance chain, it is characterised in that：The step C) in Account of the operation for transaction acceptance root according to transaction request in real time to request operation carry out detaining account or the operation that keeps accounts.
5. the bank clearing method as claimed in claim 1 based on block chain alliance chain, it is characterised in that：The step D) in It is traded before common recognition, the node that block is connected, those is had been completed that transaction initiator confirms jointly with transaction acceptance side The transaction of block chain, be stored in etc. in pending transaction queue.
6. the bank clearing method as claimed in claim 5 based on block chain alliance chain, it is characterised in that：The step D) in Each node is traded before common recognition, and the pending transaction queue such as described reaches certain amount, or reaches common recognition timing setting.
7. the bank clearing method based on block chain alliance chain as described in claim any one of 1-6, it is characterised in that：It is described Block chain carries out a DayEndProcess daily, and the DayEndProcess is effective hair that alliance's chain participant obtains the same day on block chain Raw record carries out amount and collected, and obtains enter an item of expenditure in the accounts amount and the amount that keeps accounts of the same day row, and carries out netting processing, netting Keep accounts the amount of money=amount of entering an item of expenditure in the accounts-amount.
8. the bank clearing method based on block chain alliance chain as described in claim any one of 1-6, it is characterised in that：Alliance Participant is checked and write off to the transaction that netting is disposed.
9. the bank clearing method based on block chain alliance chain as described in claim any one of 1-6, it is characterised in that：It is described Transaction Information includes account and the amount of money that transaction acceptance side to be operated.
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CN107862600A (en) * 2017-10-24 2018-03-30 深圳四方精创资讯股份有限公司 Bank transfer method and its system based on block chain
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CN108171489A (en) * 2017-12-18 2018-06-15 深圳前海微众银行股份有限公司 Data liquidation method, system and computer readable storage medium
CN108197913A (en) * 2017-12-18 2018-06-22 深圳前海微众银行股份有限公司 Method of payment, system and computer readable storage medium based on block chain
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CN109003175A (en) * 2018-07-06 2018-12-14 国网汇通金财（北京）信息科技有限公司 A kind of account checking method and system based on block chain
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CN109447802A (en) * 2018-10-22 2019-03-08 成都凡特客科技有限公司 A kind of Venture Capital management system based on block chain technology
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CN107786642B (en) * 2017-09-30 2020-04-17 上海数据交易中心有限公司 Block chain construction method and device for data circulation, storage medium and server
CN107786642A (en) * 2017-09-30 2018-03-09 上海数据交易中心有限公司 Block chain building method and device, storage medium, server for data circulation
CN107862600A (en) * 2017-10-24 2018-03-30 深圳四方精创资讯股份有限公司 Bank transfer method and its system based on block chain
CN108320173A (en) * 2017-12-12 2018-07-24 北京瑞卓喜投科技发展有限公司 Integration processing method and device based on block chain technology
CN108171489A (en) * 2017-12-18 2018-06-15 深圳前海微众银行股份有限公司 Data liquidation method, system and computer readable storage medium
CN108197913A (en) * 2017-12-18 2018-06-22 深圳前海微众银行股份有限公司 Method of payment, system and computer readable storage medium based on block chain
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