CN107862600A - Bank transfer method and its system based on block chain - Google Patents
Bank transfer method and its system based on block chain Download PDFInfo
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- CN107862600A CN107862600A CN201711003747.2A CN201711003747A CN107862600A CN 107862600 A CN107862600 A CN 107862600A CN 201711003747 A CN201711003747 A CN 201711003747A CN 107862600 A CN107862600 A CN 107862600A
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- bank
- remittance
- block chain
- money transfer
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
Abstract
The present invention relates to the bank transfer method and its system based on block chain, this method includes according to block chain underlying platform, establishing alliance's chain of bank；For setting trade current account between the bank in alliance's chain；Cross-border remittance is carried out using trade current account.The present invention is by using block chain underlying platform; establish alliance's chain of multiple bank's compositions; trade current account is established for bank; cross-border remittance is carried out using trade current account; using the distribution of block chain, can not distort and non-repudiation characteristic; alliance's chain is established in interbank; uniformity account book is safeguarded jointly; the trusting relationship based on data is established, realization is greatly enhanced remittance speed, without intermediary agency; charge link among reducing; remittance cost is reduced, when there is abnormal remittance, treatment effeciency is high.
Description
Technical field
The present invention relates to bank transfer method, more specifically refers to the bank transfer method based on block chain and its is
System.
Background technology
Cross-border remittance be personal Web bank client within defined limit, to continent beyond the receipts opened an account of regional banks
Money people carries out the business of remittance in foreign currencies.For cross-border remittance, it include cash, remittance, foreign currency bill, traveler's check and
Credit card type, cross-border remittance have the following advantages that, first, the risk of missing for voluntarily carrying cash can be reduced；Second, can be first
Refund and refunded conveniently after consumption；Third, expense preference；Fourth, after handling major and minor card, child can hold vice card and consume abroad,
Parent can also supervise in addition to holding main card at home and refunding and understand the consumption of child abroad.
But traditional cross-border remittance is needed by multiple mechanisms, including bank of deposit, Central Bank, intermediary agency are (such as
SWIFT), overseas bank, different institutions safeguard the accounting system of oneself, independently of each other, cause cross-border remittance long flow path, it is necessary to more
Individual information system processing, speed are slow；It is more across mechanism, it is costly；When there is abnormal transaction, due to coordinate multiple mechanisms to each
Information is checked from accounting system, and treatment effeciency is low.
Therefore, it is necessary to design a kind of bank transfer method based on block chain, realization is greatly enhanced remittance speed, nothing
Intermediary agency is needed, middle charge link is reduced, reduces remittance cost, when there is exception remittance, treatment effeciency is high.
The content of the invention
The defects of it is an object of the invention to overcome prior art, there is provided bank transfer method based on block chain and its be
System.
To achieve the above object, the present invention uses following technical scheme：Bank transfer method based on block chain, the side
Method includes：
According to block chain underlying platform, alliance's chain of bank is established；
For setting trade current account between the bank in alliance's chain；
Cross-border remittance is carried out using trade current account.
Its further technical scheme is：According to block chain underlying platform, the step of establishing alliance's chain of bank, including it is following
Specific steps：
Block chain node is established for each bank；
Block chain node is collectively constituted into block chain network；
The digital certificate of each bank is write in the original block of block chain network, form alliance's chain of bank.
Its further technical scheme is：The step of cross-border remittance being carried out using trade current account, including walk in detail below
Suddenly：
Obtain money transfer request；
Money transfer transactions are generated according to money transfer request；
Money transfer transactions are added in the block of block chain network, and propagate to and bank is imported corresponding to money transfer transactions；
The account fund according to corresponding to being handled money transfer transactions.
Its further technical scheme is：Before the step of money transfer transactions being generated according to money transfer request, in addition to：
Whether the remittance information in verification money transfer request meets to impose a condition；
If so, then enter described according to money transfer request generation money transfer transactions step；
If it is not, the notice that then output remittance fails.
Its further technical scheme is：The step of money transfer transactions are generated according to money transfer request, including step in detail below：
Freeze the fund of the remittance abroad account of remittance abroad bank according to remittance information；
According to the fund for the remittance abroad account freezed, remittance abroad bank and the information for importing bank, money transfer transactions are generated.
Its further technical scheme is：Money transfer transactions are added in the block of block chain network, and propagate to remittance and hand over
The step of bank is imported corresponding to easily, including step in detail below：
Money transfer transactions are added in block corresponding to block chain network；
Block chain network intra block event is monitored, obtains the money transfer transactions in the block after change；
According to the money transfer transactions imported in bank's transmission block in money transfer transactions.
Its further technical scheme is：According to corresponding to being handled money transfer transactions the step of account fund, including in detail below
Step：
The remittance abroad account fund of remittance abroad bank is reduced according to money transfer transactions；
Counter fund is transferred to the remittance account for importing bank,；
Block event is obtained, judges whether remittance handles success；
If so, then reducing the remittance abroad account of remittance abroad bank, and it is transferred to counter fund；
If it is not, the then remittance abroad account fund of defrosting remittance abroad bank, and enter the notifying process of the output remittance failure.
Present invention also offers the bank transfer system based on block chain, including alliance's chain establishes unit, account establishes list
Member and remittance unit；
Alliance's chain establishes unit, for according to block chain underlying platform, establishing alliance's chain of bank；
The account establishes unit, for for setting trade current account between the bank in alliance's chain；
The remittance unit, for carrying out cross-border remittance using trade current account.
Its further technical scheme is：Alliance's chain establish unit including node establish module, network comprising modules with
And certificate adds module；
The node establishes module, for establishing block chain node for each bank；
The network comprising modules, for block chain node to be collectively constituted into block chain network；
The certificate adds module, for the digital certificate of each bank to be write in the original block of block chain network,
Form alliance's chain of bank.
Its further technical scheme is：The remittance unit includes acquisition request module, transaction generation module, add module
And fund allocation module；
The acquisition request module, for obtaining money transfer request；
The transaction generation module, for generating money transfer transactions according to money transfer request；
The add module, for money transfer transactions to be added in the block of block chain network, and propagate to money transfer transactions
Corresponding remittance bank；
The fund allocation module, for account fund corresponding to being handled according to money transfer transactions.
Compared with the prior art, the invention has the advantages that：The bank transfer method based on block chain of the present invention, lead to
Cross and utilize block chain underlying platform, establish alliance's chain of multiple banks composition, trade current account is established for bank, using same
Industry running account carries out cross-border remittance, using the distribution of block chain, can not distort and non-repudiation characteristic, be built in interbank
Vertical alliance chain, safeguards uniformity account book jointly, establishes the trusting relationship based on data, and realization is greatly enhanced remittance speed, nothing
Intermediary agency is needed, middle charge link is reduced, reduces remittance cost, when there is exception remittance, treatment effeciency is high.
The invention will be further described with specific embodiment below in conjunction with the accompanying drawings.
Brief description of the drawings
Fig. 1 is the flow chart for the bank transfer method based on block chain that the specific embodiment of the invention provides；
Fig. 2 is the flow chart for the alliance's chain for establishing bank that the specific embodiment of the invention provides；
Fig. 3 is the flow chart that cross-border remittance is carried out using trade current account that the specific embodiment of the invention provides；
Fig. 4 is the flow chart that money transfer transactions are generated according to money transfer request that the specific embodiment of the invention provides；
Fig. 5 is specific embodiment of the invention offer money transfer transactions are added in the block of block chain network and propagated to
The flow chart of bank is imported corresponding to money transfer transactions；
Fig. 6 is the flow chart of account fund according to corresponding to being handled money transfer transactions that the specific embodiment of the invention provides；
Fig. 7 is the structured flowchart for the bank transfer system based on block chain that the specific embodiment of the invention provides；
Fig. 8 is the structured flowchart that alliance's chain that the specific embodiment of the invention provides establishes unit；
Fig. 9 is the structured flowchart for the remittance unit that the specific embodiment of the invention provides；
Figure 10 is the structured flowchart for the transaction generation module that the specific embodiment of the invention provides；
Figure 11 is the structured flowchart for the add module that the specific embodiment of the invention provides；
Figure 12 is the structured flowchart for the fund allocation module that the specific embodiment of the invention provides.
Embodiment
In order to more fully understand the technology contents of the present invention, technical scheme is entered with reference to specific embodiment
One step introduction and explanation, but it is not limited to this.
Specific embodiment as shown in Fig. 1~12, the bank transfer method based on block chain that the present embodiment provides, can be with
It is used in cross-border money transfer process, realization is greatly enhanced remittance speed, without intermediary agency, reduces middle charge link, drop
Low remittance cost, when there is abnormal remittance, treatment effeciency is high.
As shown in figure 1, present embodiments providing the bank transfer method based on block chain, this method includes：
S1, according to block chain underlying platform, establish alliance's chain of bank；
S2, for setting trade current account between the bank in alliance's chain；
S3, utilize the cross-border remittance of trade current account progress.
Further, in certain embodiments, above-mentioned S1 steps, according to block chain underlying platform, bank is established
The step of alliance's chain, including step in detail below：
S11, block chain node is established for each bank；
S12, block chain node collectively constituted into block chain network；
S13, the digital certificate of each bank write in the original block of block chain network, form alliance's chain of bank.
There is distribution between block chain, can not distort, non-repudiation characteristic, alliance's chain is established in interbank, common dimension
Uniformity account book is protected, establishes the trusting relationship based on data.Each bank establishes one or more block chain nodes, by these areas
Block chain node collectively constitutes block chain network, so that each bank is established by block chain and connected, block is safeguarded by P2P agreements
Data are known together by the data in chain, ensure that the data of each node are consistent, data non-repudiation and can not be distorted.Build
When vertical alliance's chain, the digital certificate of each bank is write in original block, that is, first block of block chain, only
Having could turn into the node of certificate write-in block chain the member of alliance's chain, if subsequently if newcomer adds the block link network
In network, controlled by intelligent contract, existing member agrees in alliance's chain only more than 1/3, just can be by the certificate of newcomer
Block chain is write, block chain network is added, turns into a member in alliance's chain.Based on common accounting system, remittance is greatly enhanced
Money speed.
For above-mentioned S2 steps, trade current account is established for the bank in alliance's chain, such as, bank A is in bank B
The account opened up, then this account is exactly Nostro account (i.e. trade current account) of the A banks in B banks, interbank phase
Nosto accounts mutually are opened up, the balancing account as remittance.Such as the user a1 of A banks transferred accounts to the user b1 of B banks it is 100 beautiful
Member, then A banks reduce 100 dollars of user a1, notice B banks, and the Nostro accounts transfer 100 of B banks from A banks is beautiful
Member realizes fund balancing into user's b1 accounts.Supplementing with money for Nostro accounts can be carried out by traditional inter-bank funds transfer system,
By trade current account and alliance's chain combination, point-to-point remittance is realized, without intermediary agency, reduces middle charge link, drop
Low remittance cost.
Further, above-mentioned S3 steps, the step of carrying out cross-border remittance using trade current account, including following tool
Body step：
S31, obtain money transfer request；
S32, according to money transfer request generate money transfer transactions；
S33, by money transfer transactions added in the block of block chain network, and propagate to and silver imported corresponding to money transfer transactions
OK；
S34, the account fund according to corresponding to being handled money transfer transactions.
For above-mentioned S31 steps, money transfer request is specifically initiated by user, money transfer request is obtained by system, processing is used
Family money transfer request.
In certain embodiments, for above-mentioned S32 steps, before the step of generating money transfer transactions according to money transfer request,
Also include：
Whether the remittance information in S35, verification money transfer request meets to impose a condition；
If so, then enter the S32 steps；
If it is not, the notice that then S36, output remittance fail.
Specifically verifying user profile by core system, judge whether the remittance information of money transfer request is complete, that is, converge
Whether the remittance information of money request is complete in information comprising information such as qualified remittance bank, remittance abroad bank and remittance numbers
Under conditions of, generate money transfer transactions.
Further, for above-mentioned S32 steps, the step of money transfer transactions are generated according to money transfer request, including it is following
Specific steps：
S321, according to remittance information freeze remittance abroad bank remittance abroad account fund；
S322, the information according to the fund for the remittance abroad account freezed, remittance abroad bank and remittance bank, generation remittance are handed over
Easily.
In certain embodiments, for above-mentioned S33 steps, money transfer transactions are added in the block of block chain network,
And the step of bank is imported corresponding to money transfer transactions is propagated to, including step in detail below：
S331, by money transfer transactions be added to block corresponding to block chain network in；
S332, block chain network intra block event is monitored, obtain the money transfer transactions in the block after change；
S333, according in money transfer transactions import bank send block in money transfer transactions.
In certain embodiments, for above-mentioned S34 steps, trade current account provides according to corresponding to being handled money transfer transactions
The step of gold, including step in detail below：
S341, the remittance abroad account fund for reducing according to money transfer transactions remittance abroad bank；
S342, the remittance account to remittance bank are transferred to counter fund；
S343, block event is obtained, judge whether remittance handles success；
S344, if so, then reduce the remittance abroad account of remittance abroad bank, and be transferred to counter fund；
If it is not, then S345, the remittance abroad account fund of defrosting remittance abroad bank, and enter the S36 steps.
The fund according to corresponding to remittance information freezes remittance abroad bank account, money transfer transactions are stored in the block of block chain network
In, and set the state of money transfer transactions to be arranged to N, now, block chain case mechanism real-time monitors new block, then can extract
Remittance bank information in money transfer transactions in block, by importing bank's processing remittance, after handling successfully, by money transfer transactions state
S (state is changed to R if failure) is changed to, block event, money transfer transactions shape are real-time monitored by block chain case mechanism
State changes, and respective handling is done according to change.It is specifically that the intelligent contract for calling block chain writes money transfer transactions during this
Block chain and the state for changing money transfer transactions；Intelligent contract be used for operation block chain in data and money transfer transactions insert
Enter, inquire about, change, once there is abnormal remittance, then terminate to remit money and export the notice of remittance mistake, each silver can also be based on
The local account book of row completes verification of data, and treatment effeciency is high.
The above-mentioned bank transfer method based on block chain, by using block chain underlying platform, establish multiple bank's groups
Into alliance's chain, establish trade current account for bank, carry out cross-border remittance using trade current account, utilize block chain
It is distributed, can not distort and non-repudiation characteristic, establish alliance's chain in interbank, safeguard uniformity account book jointly, establish base
In the trusting relationship of data, realization is greatly enhanced remittance speed, without intermediary agency, reduces middle charge link, reduces and converge
Money cost, when there is abnormal remittance, treatment effeciency is high.
As shown in fig. 7, the present embodiment additionally provides the bank transfer system based on block chain, it includes alliance's chain and establishes list
Member 1, account establish unit 2 and remittance unit 3.
Alliance's chain establishes unit 1, for according to block chain underlying platform, establishing alliance's chain of bank.
Account establishes unit 2, for for setting trade current account between the bank in alliance's chain.
Remittance unit 3, for utilizing trade current account to carry out cross-border remittance.
In certain embodiments, alliance's chain establishes unit 1 and establishes module 11, network comprising modules 12 and card including node
Book adds module 13.
Node establishes module 11, for establishing block chain node for each bank.
Network comprising modules 12, for block chain node to be collectively constituted into block chain network.
Certificate adds module 13, for the digital certificate of each bank to be write in the original block of block chain network, shape
Into alliance's chain of bank.
There is distribution between block chain, can not distort, non-repudiation characteristic, alliance's chain is established in interbank, common dimension
Uniformity account book is protected, establishes the trusting relationship based on data.Each bank establishes one or more block chain nodes, by these areas
Block chain node collectively constitutes block chain network, so that each bank is established by block chain and connected, block is safeguarded by P2P agreements
Data are known together by the data in chain, ensure that the data of each node are consistent, data non-repudiation and can not be distorted.Build
When vertical alliance's chain, the digital certificate of each bank is write in original block, that is, first block of block chain, only
Having could turn into the node of certificate write-in block chain the member of alliance's chain, if subsequently if newcomer adds the block link network
In network, controlled by intelligent contract, existing member agrees in alliance's chain only more than 1/3, just can be by the certificate of newcomer
Block chain is write, block chain network is added, turns into a member in alliance's chain.Based on common accounting system, remittance is greatly enhanced
Money speed.
For account establishes unit 2, trade current account is established for the bank in alliance's chain, such as, bank A exists
The account that bank B is opened up, then this account is exactly Nostro account (i.e. trade current account) of the A banks in B banks, bank
Between mutually open up Nosto accounts, the balancing account as remittance.For example the user a1 of A banks transfers accounts to the user b1 of B banks
100 dollars, then A banks reduce 100 dollars of user a1, notice B banks, Nostro account transfer of the B banks from A banks
100 dollars, into user's b1 accounts, are realized fund balancing.Supplementing with money for Nostro accounts can be by traditional inter-bank funds transfer system
Carry out, by trade current account and alliance's chain combination, realize point-to-point remittance, without intermediary agency, reduce middle charge ring
Section, reduce remittance cost.
Further, in certain embodiments, above-mentioned remittance unit 3 includes acquisition request module 31, transaction generation
Module 32, add module 33 and fund allocation module 34.
Acquisition request module 31, for obtaining money transfer request.Money transfer request is specifically initiated by user, is obtained and converged by system
Money is asked, and handles user's money transfer request.
Transaction generation module 32, for generating money transfer transactions according to money transfer request.
Add module 33, for money transfer transactions to be added in the block of block chain network, and propagate to money transfer transactions pair
The remittance bank answered.
Fund allocation module 34, for account fund corresponding to being handled according to money transfer transactions.
In certain embodiments, above-mentioned remittance unit 3 also includes correction verification module, for verifying the remittance in money transfer request
Whether information, which meets, imposes a condition, if it is not, the then notice of output remittance failure.
Specifically verifying user profile by core system, judge whether the remittance information of money transfer request is complete, that is, converge
Whether the remittance information of money request is complete in information comprising information such as qualified remittance bank, remittance abroad bank and remittance numbers
Under conditions of, generate money transfer transactions.
Include freezing submodule 321 and generation submodule 322 for above-mentioned transaction generation module 32.
Freeze submodule 321, the fund of the remittance abroad account for freezing remittance abroad bank according to remittance information.
Submodule 322 is generated, for the fund according to the remittance abroad account freezed, remittance abroad bank and the letter for importing bank
Breath, generate money transfer transactions.
In certain embodiments, above-mentioned add module 33 also includes transaction addition submodule 331, monitors submodule 332
And sending submodule 333.
Transaction addition submodule 331, for money transfer transactions to be added in block corresponding to block chain network.
Submodule 332 is monitored, for monitoring block chain network intra block event, the remittance obtained in the block after change is handed over
Easily.
Sending submodule 333, for according to the money transfer transactions imported in bank's transmission block in money transfer transactions.
In certain embodiments, above-mentioned fund allocation module 34 includes reducing submodule 341, state change submodule
342 and remittance judging submodule 343.
Submodule 341 is reduced, for reducing the remittance abroad account fund of remittance abroad bank according to money transfer transactions.
State changes submodule 342, for being transferred to counter fund to the remittance account for importing bank.
Remittance judging submodule 343, for obtaining block event, judge whether remittance handles success；If so, then reduce remittance
Go out the remittance abroad account of bank, and be transferred to counter fund；If it is not, the then remittance abroad account fund of defrosting remittance abroad bank.
The fund according to corresponding to remittance information freezes remittance abroad bank account, money transfer transactions are stored in the block of block chain network
In, and set the state of money transfer transactions to be arranged to N, now, block chain case mechanism monitors new block in real time, then can extract area
Remittance bank information in money transfer transactions in block, by importing bank's processing remittance, after handling successfully, by the state of money transfer transactions
S (state is changed to R if failure) is changed to, block event, money transfer transactions shape are real-time monitored by block chain case mechanism
State changes, and respective handling is done according to change.It is specifically that the intelligent contract for calling block chain writes money transfer transactions during this
Block chain and the state for changing money transfer transactions；Intelligent contract be used for operation block chain in data and money transfer transactions insert
Enter, inquire about, change, once there is abnormal remittance, then terminate to remit money and export the notice of remittance mistake, each silver can also be based on
The local account book of row completes verification of data, and treatment effeciency is high.
The above-mentioned bank transfer system based on block chain, by using block chain underlying platform, establish multiple bank's groups
Into alliance's chain, establish trade current account for bank, carry out cross-border remittance using trade current account, utilize block chain
It is distributed, can not distort and non-repudiation characteristic, establish alliance's chain in interbank, safeguard uniformity account book jointly, establish base
In the trusting relationship of data, realization is greatly enhanced remittance speed, without intermediary agency, reduces middle charge link, reduces and converge
Money cost, when there is abnormal remittance, treatment effeciency is high.
The above-mentioned technology contents that the present invention is only further illustrated with embodiment, in order to which reader is easier to understand, but not
Represent embodiments of the present invention and be only limitted to this, any technology done according to the present invention extends or recreation, by the present invention's
Protection.Protection scope of the present invention is defined by claims.
Claims (10)
1. the bank transfer method based on block chain, it is characterised in that methods described includes：
According to block chain underlying platform, alliance's chain of bank is established；
For setting trade current account between the bank in alliance's chain；
Cross-border remittance is carried out using trade current account.
2. the bank transfer method according to claim 1 based on block chain, it is characterised in that put down according to block chain bottom
Platform, the step of establishing alliance's chain of bank, including step in detail below：
Block chain node is established for each bank；
Block chain node is collectively constituted into block chain network；
The digital certificate of each bank is write in the original block of block chain network, form alliance's chain of bank.
3. the bank transfer method according to claim 1 or 2 based on block chain, it is characterised in that utilize inter-bank transactions
Account is carried out the step of cross-border remittance, including step in detail below：
Obtain money transfer request；
Money transfer transactions are generated according to money transfer request；
Money transfer transactions are added in the block of block chain network, and propagate to and bank is imported corresponding to money transfer transactions；
The account fund according to corresponding to being handled money transfer transactions.
4. the bank transfer method according to claim 3 based on block chain, it is characterised in that generated according to money transfer request
Before the step of money transfer transactions, in addition to：
Whether the remittance information in verification money transfer request meets to impose a condition；
If so, then enter described according to money transfer request generation money transfer transactions step；
If it is not, the notice that then output remittance fails.
5. the bank transfer method according to claim 4 based on block chain, it is characterised in that generated according to money transfer request
The step of money transfer transactions, including step in detail below：
Freeze the fund of the remittance abroad account of remittance abroad bank according to remittance information；
According to the fund for the remittance abroad account freezed, remittance abroad bank and the information for importing bank, money transfer transactions are generated.
6. the bank transfer method according to claim 5 based on block chain, it is characterised in that be added to money transfer transactions
In the block of block chain network, and the step of bank is imported corresponding to money transfer transactions is propagated to, including step in detail below：
Money transfer transactions are added in block corresponding to block chain network；
Block chain network intra block event is monitored, obtains the money transfer transactions in the block after change；
According to the money transfer transactions imported in bank's transmission block in money transfer transactions.
7. the bank transfer method according to claim 6 based on block chain, it is characterised in that handled according to money transfer transactions
The step of corresponding account fund, including step in detail below：
The remittance abroad account fund of remittance abroad bank is reduced according to money transfer transactions；
Counter fund is transferred to the remittance account for importing bank,；
Block event is obtained, judges whether remittance handles success；
If so, then reducing the remittance abroad account of remittance abroad bank, and it is transferred to counter fund；
If it is not, the then remittance abroad account fund of defrosting remittance abroad bank, and enter the notifying process of the output remittance failure.
8. the bank transfer system based on block chain, it is characterised in that establish unit including alliance's chain, account establishes unit and
Remittance unit；
Alliance's chain establishes unit, for according to block chain underlying platform, establishing alliance's chain of bank；
The account establishes unit, for for setting trade current account between the bank in alliance's chain；
The remittance unit, for carrying out cross-border remittance using trade current account.
9. the bank transfer system according to claim 8 based on block chain, it is characterised in that alliance's chain is established single
Member establishes module, network comprising modules and certificate including node and adds module；
The node establishes module, for establishing block chain node for each bank；
The network comprising modules, for block chain node to be collectively constituted into block chain network；
The certificate adds module, for the digital certificate of each bank to be write in the original block of block chain network, is formed
Alliance's chain of bank.
10. the bank transfer system according to claim 9 based on block chain, it is characterised in that the remittance unit bag
Include acquisition request module, transaction generation module, add module and fund allocation module；
The acquisition request module, for obtaining money transfer request；
The transaction generation module, for generating money transfer transactions according to money transfer request；
The add module, for money transfer transactions to be added in the block of block chain network, and it is corresponding to propagate to money transfer transactions
Remittance bank；
The fund allocation module, for account fund corresponding to being handled according to money transfer transactions.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN201711003747.2A CN107862600A (en) | 2017-10-24 | 2017-10-24 | Bank transfer method and its system based on block chain |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201711003747.2A CN107862600A (en) | 2017-10-24 | 2017-10-24 | Bank transfer method and its system based on block chain |
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| CN201711003747.2A Pending CN107862600A (en) | 2017-10-24 | 2017-10-24 | Bank transfer method and its system based on block chain |
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Cited By (27)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108615185A (en) * | 2018-04-24 | 2018-10-02 | 北京罗格数据科技有限公司 | A kind of silver-colored tax interaction systems construction method based on block chain |
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| CN108615185A (en) * | 2018-04-24 | 2018-10-02 | 北京罗格数据科技有限公司 | A kind of silver-colored tax interaction systems construction method based on block chain |
| WO2019218432A1 (en) * | 2018-05-14 | 2019-11-21 | 平安科技（深圳）有限公司 | Abnormal cross-border transaction determination method and apparatus, terminal and storage medium |
| CN111149122B (en) * | 2018-05-30 | 2023-10-10 | 重庆小雨点小额贷款有限公司 | Block chain-based security management method, related device and storage medium |
| CN111149122A (en) * | 2018-05-30 | 2020-05-12 | 重庆小雨点小额贷款有限公司 | Block chain-based security management method, related device and storage medium |
| CN108846757A (en) * | 2018-07-13 | 2018-11-20 | 中国银行股份有限公司 | A kind of offshore currency method of commerce and device realized based on block chain technology |
| CN109003062A (en) * | 2018-07-13 | 2018-12-14 | 江苏恒宝智能系统技术有限公司 | A kind of Network Bank security method of commerce and system based on block chain |
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| CN109741163A (en) * | 2018-09-07 | 2019-05-10 | 网联清算有限公司 | Account data consistency management method, device and storage medium |
| CN109242476A (en) * | 2018-09-14 | 2019-01-18 | 比比物流有限公司 | Virtual bank's card block catenary system and its bank node, method of network payment |
| CN109493210A (en) * | 2018-09-27 | 2019-03-19 | 深圳壹账通智能科技有限公司 | Refund account checking method, device, equipment and readable storage medium storing program for executing based on block chain |
| CN109670950B (en) * | 2018-10-29 | 2023-09-15 | 平安科技（深圳）有限公司 | Transaction monitoring method, device, equipment and storage medium based on blockchain |
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| CN109360070A (en) * | 2018-10-30 | 2019-02-19 | 平安科技（深圳）有限公司 | Travel information processing method, device, equipment and storage medium based on alliance's chain |
| CN109558407A (en) * | 2018-11-19 | 2019-04-02 | 湖北多羔生物育种科技有限公司 | A kind of alliance's block chain breeding technique |
| CN109741171A (en) * | 2018-12-26 | 2019-05-10 | 中国银联股份有限公司 | A kind of method and device of cross-border remittance information registration |
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| CN109792382B (en) * | 2018-12-28 | 2022-07-12 | 创新先进技术有限公司 | Method, system and storage medium for improving block transaction speed using global acceleration node |
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