CN109242486A - A kind of currency monitoring method, apparatus and system - Google Patents
A kind of currency monitoring method, apparatus and system Download PDFInfo
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- CN109242486A CN109242486A CN201811119884.7A CN201811119884A CN109242486A CN 109242486 A CN109242486 A CN 109242486A CN 201811119884 A CN201811119884 A CN 201811119884A CN 109242486 A CN109242486 A CN 109242486A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
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- G—PHYSICS
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- 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
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Abstract
The application proposes that a kind of currency monitoring method, apparatus and system, the currency monitoring method include:, according to the user account information of the identification information of the currency, taking-up or the deposit currency, to generate transaction record information when currency takes out or is stored in bank；By transaction record information storage into data block corresponding with the currency；Wherein, the data block distribution is stored in banking system, for storing moneytary operations information；The banking system includes the banking institution of each place and center.The application is when currency takes out or is stored in bank, record the transaction record information about the currency, and in the data block that transaction record information distribution is stored in banking system, each bank in this way in banking system all records the transaction record information of the currency.By the transaction record information of currency, it can clearly know that currency is stored in or takes out every time the Transaction Information of bank in life cycle, so that it is determined that the circulation whereabouts of currency.
Description
Technical field
This application involves financial supervision technical field more particularly to a kind of currency monitoring methods, apparatus and system.
Background technique
In modern economic activities, the tangible currency such as bank note, coin plays essence and basic effect, simultaneously
Important mechanism of the bank as note issuance, turnover and storage, circulation to currency and using having supervision obligation, with ensure through
Ji activity is healthy and orderly.
When currency stores in banking system, relies on bank system network that the supervision to currency may be implemented, but work as
After currency is taken out easily by the user bank, or after a collection of currency is issued to market, bank just loses the supervision energy to currency
Power.Due to market economy activities complexity, it is numerous to participate in number, in the market inevitably counterfeit money, or occurs illegal
Consumption phenomenon, the normal economic order of very disruptive.In addition the velocity of money-currency is fast, range is wide, to accurately and timely trace goods
Coin is illegally used or is traded, and is a very difficult job.
Summary of the invention
Defect and demand based on the above-mentioned prior art, the application propose a kind of currency monitoring method, apparatus and system, energy
Enough effective monitorings realized to money flow.
A kind of currency monitoring method, comprising:
When currency takes out or is stored in bank, according to the use of the identification information of the currency, taking-up or the deposit currency
Family account information generates transaction record information；
By transaction record information storage into data block corresponding with the currency；Wherein, the data block
Distribution is stored in banking system, for storing moneytary operations information；The banking system includes the bank of each place and center
Mechanism.
Optionally, the method also includes:
Judge in banking system with the presence or absence of data block corresponding with the currency；
If data block corresponding with the currency is not present in banking system, created for the currency corresponding
Data block.
Optionally, the method also includes:
Cryptographic Hash is generated according to the identification information of the currency, the mark as the corresponding data block of the currency is believed
Breath.
A kind of currency monitoring device, comprising:
Information generating unit, for when currency take out or be stored in bank when, according to the identification information of the currency, take out or
It is stored in the user account information of the currency, generates transaction record information；
Information memory cell, for storing the transaction record information into data block corresponding with the currency；
Wherein, the data block distribution is stored in banking system, for storing moneytary operations information；The banking system includes each
The banking institution in place and center.
Optionally, described device further include:
Judging unit, for judging in banking system with the presence or absence of data block corresponding with the currency；
Block creating unit is used for when data block corresponding with the currency is not present in banking system, for institute
It states currency and creates corresponding data block.
A kind of currency monitoring system, comprising:
It is set to the currency monitoring device of each place and center；
Wherein, the currency monitoring device is used to be believed when currency takes out or is stored in bank according to the mark of the currency
The user account information of the currency is ceased, taken out or be stored in, transaction record information is generated；The transaction record information storage is arrived
In data block corresponding with the currency.
Optionally, the currency monitoring device, comprising:
Message processing module, for when currency take out or be stored in bank when, according to the identification information of the currency, take out or
It is stored in the user account information of the currency, generates transaction record information；Transaction record information storage is arrived and the goods
In the corresponding data block of coin；
The block chain memory module being connect with the message processing module, for storing data block.
Optionally, the message processing module, comprising:
Initial data increases modified module, channel record module newly；
Wherein, the initial data increases modified module newly, for generating data block corresponding with currency；
The channel record module, for according to the identification information of the currency, taking when currency takes out or is stored in bank
Out or the user account information of the deposit currency, generate transaction record information, and by transaction record information storage to
In the corresponding data block of the currency.
Optionally, the currency monitoring device, further includes:
The code key management module being connect with the block chain memory module, for being stored in the block chain memory module
Data be encrypted；
Government authorities authorization module, for being audited to the user for reading data from the block chain memory module
And authorization.
Optionally, the currency monitoring device, further includes:
Data inquiry module, for showing the data inquired from the block chain memory module；
Behavioural analysis module is analyzed for the behavior to the user for taking out or being stored in currency, is identified；
Mechanism and user management module, for distributing data query permission for mechanism.
The currency monitoring method that the application is proposed records the friendship about the currency when currency takes out or is stored in bank
Easily record information, and transaction record information storage is distributed the data field being stored in banking system to the corresponding currency
In block, each bank in this way in banking system all records the transaction record information of the currency.Pass through the transaction record of currency
Information can clearly know that currency is stored in or takes out every time the Transaction Information of bank in life cycle, so that it is determined that currency
Circulation whereabouts.
Detailed description of the invention
In order to illustrate the technical solutions in the embodiments of the present application or in the prior art more clearly, to embodiment or will show below
There is attached drawing needed in technical description to be briefly described, it should be apparent that, the accompanying drawings in the following description is only this
The embodiment of application for those of ordinary skill in the art without creative efforts, can also basis
The attached drawing of offer obtains other attached drawings.
Fig. 1 is a kind of flow diagram of currency monitoring method provided by the embodiments of the present application；
Fig. 2 is transaction record information item schematic diagram provided by the embodiments of the present application；
Fig. 3 is the flow diagram of another currency monitoring method provided by the embodiments of the present application；
Fig. 4 is a kind of structural schematic diagram of currency monitoring device provided by the embodiments of the present application；
Fig. 5 is a kind of structural schematic diagram of currency monitoring system provided by the embodiments of the present application；
Fig. 6 is the structural schematic diagram of the currency monitoring device in currency monitoring system provided by the embodiments of the present application；
Fig. 7 is the structural representation of another currency monitoring device in currency monitoring system provided by the embodiments of the present application
Figure；
Fig. 8 is the structural representation of another currency monitoring device in currency monitoring system provided by the embodiments of the present application
Figure；
Fig. 9 is the structural representation of also a kind of currency monitoring device in currency monitoring system provided by the embodiments of the present application
Figure.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description, it is clear that described embodiments are only a part of embodiments of the present application, instead of all the embodiments.It is based on
Embodiment in the application, it is obtained by those of ordinary skill in the art without making creative efforts every other
Embodiment shall fall in the protection scope of this application.
The embodiment of the present application discloses a kind of currency monitoring method, and this method is applied to banking system, specifically, being applied to
The each bank in banking system be made of each place bank and the Central Bank.Above-mentioned each place bank refers to and is set to respectively
The nationalized bank or business bank in a place, the above-mentioned Central Bank refer to the bank being managed collectively to each place bank, i.e.,
People's Bank of China, abbreviation Central Bank.
The embodiment of the present application technical solution is connected each place bank by unified monetary information processing system,
The transaction that deposits, withdraws of currency is recorded by each bank on this basis, while store transaction information, by the friendship of record
Easy information unification is sent to the Central Bank, is thusly-formed the goods for respectively holding distribution storage various regions bank to be recorded in above-mentioned banking system
Coin accesses Transaction Information.
Shown in Figure 1, currency control method disclosed in the embodiment of the present application includes:
When currency takes out or is stored in bank, step S101 is executed, according to the identification information of the currency, taking-up or deposit
The user account information of the currency generates transaction record information；
Specifically, the currency that above-mentioned currency, in particular to bank note, coin etc. are tangible.When new money distribution when, usually in
Entreat bank that the currency of new production is passed through each place issued by banks into market, meanwhile, in market economy activities, people are universal
The operations such as taking-up and the deposit of currency are carried out by bank.It is appreciated that circulation of the currency in market can greatly pass through
Bank carries out, therefore can generate a large amount of currency access transaction in each bank.
When bank's response Client-initiated currency access transaction, the Transaction Information of currency access transaction will record,
Including information such as access time, access locations.
Meanwhile the currency that the Central Bank produces every time, unique identification information is all carried, such as the crown word number on bank note
Deng.It is all the currency that deposit or taking-up have unique identification information when each user's deposit or taking-up currency.
For bank, the identification information of user's deposit or the currency taken out can be completely recorded, meanwhile, bank can
To record the account information of the user of deposit or taking-up currency, such as subscriber identity information etc..
Further, the embodiment of the present application is set, and each bank in above-mentioned banking system traded in user's access currency
Cheng Zhong, after the identification information, user account information and the Transaction Information that record accessed currency, these comprehensive information generate transaction
Record information.
By taking user accesses bill as an example, its specific number can be recorded respectively according to transaction record information item shown in Fig. 2
According to being corresponded to the transaction record information of accessed bill.
S102, the transaction record information is stored into data block corresponding with the currency；Wherein, the data
Block distribution is stored in banking system, for storing moneytary operations information；The banking system includes each place and center
Banking institution.
Specifically, the embodiment of the present application is by unified monetary information processing system, by each place bank and the Central Bank
It connects, stores moneytary operations information respectively in the Central Bank and local bank.Specifically, the embodiment of the present application is every goods
Data block is respectively set in coin, transaction record information when for storing currency deposit and take out bank.
It should be noted that being stored in or take out every time can only occur in some bank for single currency,
Therefore when currency is for when being stored in or taking out transaction, the bank that the transaction is executed in above-mentioned banking system can to firstly generate the transaction
Transaction record information, then the bank stores the transaction record information into the data block of the corresponding currency, meanwhile, should
The transaction record information is broadcast to all banks of entire banking system by bank, makes each bank that can obtain transaction note
Information is recorded, and will be in the data block of transaction record information storage to the correspondence of itself storage currency.Complete above-mentioned letter
After breath record, each bank all record storages in above-mentioned banking system about the currency this deposit or take out transaction
Transaction record information.
Based on above explained, the characteristics of the distributed storage of data block, when certain single currency participates in deposit or takes out
When the operation of bank, transaction record information can all be recorded by respectively holding in banking system, which equally there is distribution to deposit
The characteristics of storage.The characteristics of based on the storage of data distribution formula, which is not easy to be tampered, meanwhile, above-mentioned silver
Each bank in row system can record the circulation whereabouts information about the currency, when the currency is participating in deposit again or taking
Out when bank transaction, transaction bank equally records Transaction Information, and each bank determines the circulation whereabouts information of the currency again.
In addition, the embodiment of the present application is also set, it is stored in or takes out the operation of bank when bank executes certain single currency, and
When the transaction record information of record is broadcast to banking system, other banks in banking system can be to the transaction record information
Validity verified, only when confirm the transaction record it is effective when, just confirm can store the transaction record information, otherwise
Warning information is issued to banking system, this transaction irregularity of banking system is informed, should prevent to trade.Bank is to moneytary operations
The verifying of the validity of information is recorded, can be carried out by the historical transaction record information about the currency, when about the currency
This transaction record information with matching about the historical transaction record information of the currency when, it is determined that the sheet about the currency
Secondary transaction record information is effective.
For example, it is assumed that certain currency A is stored into Liao Jia bank, hereafter never again when last time participating in currency deposit bank
The bank transaction about the currency occurs.On this basis, if second bank is recorded to take out currency A in certain day gives certain use
Family, and have recorded transaction record information and the transaction record information is broadcast in banking system.When its in banking system
Its bank when especially first bank receives the transaction record information, compares with the historical transaction record information about the currency and sends out
It is existing, when which trades, it is to incorporate first bank, but never take out later from first bank, then may be used
It is irregularity to conclude that this currency incorporates second bank again, therefore issues warning information, alerts this deposit second silver
Capable currency A may be counterfeit money, while prevent the storage of this transaction record information into data block corresponding with currency A.
Data block is respectively created for recording its transaction record information for single currency in the embodiment of the present application, and should
Transaction record information distributed storage actually carries out base to the transaction record information of currency to each bank of banking system
It is stored in the data of block chain, relies on block chain distribution account book and characteristic can not be distorted, for each currency,
Any primary deposit or the operation of taking-up bank in life cycle are all recorded, and by each banker's record of banking system,
It can be convenient the circulation whereabouts to the currency and carry out accurate control.
By above-mentioned introduction as it can be seen that the embodiment of the present application is when currency takes out or is stored in bank, record about the currency
Transaction record information, and transaction record information storage is distributed the data being stored in banking system to the corresponding currency
In block, each bank in this way in banking system all records the transaction record information of the currency.Remembered by the transaction of currency
Information is recorded, can clearly know that currency is stored in or takes out every time the Transaction Information of bank in life cycle, so that it is determined that goods
The circulation whereabouts of coin.
Shown in Figure 3 in another embodiment of the application, also disclosing above-mentioned currency monitoring method includes:
S302, judge in banking system with the presence or absence of data block corresponding with the currency；
If data block corresponding with the currency is not present in banking system, thens follow the steps S303, is described
Currency creates corresponding data block.
Specifically, when the currency is taken out by user from bank, being about the currency for the new edition currency just issued
Initial transaction, at this point, there are no creating corresponding data block for the currency in banking system, therefore without place storage
Transaction record information about the currency.
In order to guarantee to be present in banking system the corresponding data block of currency for storing the transaction note about currency
Record information, after generating about the transaction record information of certain currency, the embodiment of the present application first determine whether in banking system whether
It is present in the corresponding data block of the currency, specifically completes the wound of data block by executing the bank of the transaction about the currency
It builds, and is broadcast in banking system.
Further, since quantity of money is numerous, for the ease of the corresponding data of the different currency of differentiation in banking system
Block, the embodiment of the present application generates cryptographic Hash using the unique identification information for the currency participated in business, and the cryptographic Hash is made
For the identification information of data block corresponding with the currency.Since the identification information of currency has uniqueness, according to above-mentioned
The identification information for the data block corresponding with currency that method generates also has uniqueness, by identifying that the mark of data block is believed
Breath, can quickly determine that data block is corresponding with which currency.
Step S301, S304 in the present embodiment respectively correspond step S101 in embodiment of the method shown in FIG. 1,
S102, the content of particular content embodiment of the method shown in Figure 1, details are not described herein again.
Another embodiment of the application also discloses a kind of currency monitoring device, shown in Figure 4, which includes:
Information generating unit 100, for according to the identification information of the currency, taking when currency takes out or is stored in bank
Out or the user account information of the deposit currency, transaction record information is generated；
Information memory cell 110, for data block corresponding with the currency to be arrived in transaction record information storage
In；Wherein, the data block distribution is stored in banking system, for storing moneytary operations information；The banking system packet
Include the banking institution of each place and center.
Optionally, in another embodiment of the application, described device further include:
Judging unit, for judging in banking system with the presence or absence of data block corresponding with the currency；
Block creating unit is used for when data block corresponding with the currency is not present in banking system, for institute
It states currency and creates corresponding data block.
Specifically, the specific works content of each unit in the embodiment of above-mentioned each currency monitoring device, refers to
The content of embodiment of the method is stated, details are not described herein again.
Another embodiment of the application also discloses a kind of currency monitoring system, shown in Figure 5, which includes:
It is set to the currency monitoring device 200 of each place and center；
Wherein, the currency monitoring device 200 is used for when currency takes out or is stored in bank, according to the mark of the currency
The user account information of information, taking-up or the deposit currency, generates transaction record information；The transaction record information is stored
Into data block corresponding with the currency.
Specifically, in the embodiment of the present application, each place bank and the Central Bank collectively constitute banking system, in the bank
In each bank in system, above-mentioned currency monitoring device is respectively set, the currency monitoring device is for recording about currency
Transaction record information, for determining the circulation whereabouts of currency.
Then it is appreciated that the currency monitoring device 200 of each bank in actually above-mentioned banking system forms currency
Monitoring system.
The tangible currency such as above-mentioned currency, in particular to bank note, coin.When new money distribution, the usually Central Bank
By the currency of new production through each place issued by banks into market, meanwhile, in market economy activities, people generally pass through silver
The operation such as taking-up and deposit of traveling crudely-made articles coin.It is appreciated that currency market circulation greatly can by bank into
Row, therefore a large amount of currency access transaction can be generated in each bank.
When bank's response Client-initiated currency access transaction, the Transaction Information of currency access transaction will record,
Including information such as access time, access locations.
Meanwhile the currency that the Central Bank produces every time, unique identification information is all carried, such as the crown word number on bank note
Deng.It is all the currency that deposit or taking-up have unique identification information when each user's deposit or taking-up currency.
For bank, the identification information of user's deposit or the currency taken out can be completely recorded, meanwhile, bank can
To record the account information of the user of deposit or taking-up currency, such as subscriber identity information etc..
Further, the embodiment of the present application is set, and the currency monitoring device of each bank in above-mentioned banking system is in user
In access currency process of exchange, after the identification information, user account information and the Transaction Information that record accessed currency, this is integrated
A little information generate transaction record information.
By taking user accesses bill as an example, its specific number can be recorded respectively according to transaction record information item shown in Fig. 2
According to being corresponded to the transaction record information of accessed bill.
The embodiment of the present application passes through the interrelated of the currency monitoring device of each bank, by each place bank and the Central Bank
It connects, stores moneytary operations information respectively in the Central Bank and local bank.Specifically, currency monitoring device is every goods
Data block is respectively set in coin, transaction record information when for storing currency deposit and take out bank.
It should be noted that being stored in or take out every time can only occur in some bank for single currency,
Therefore when currency participates in deposit or takes out transaction, the currency monitoring device meeting of the bank of the transaction is executed in above-mentioned banking system
The transaction record information of the transaction is firstly generated, then the currency monitoring device of the bank stores the transaction record information to right
Should in the data block of currency, meanwhile, which is broadcast to entire bank by the currency monitoring device of the bank
The currency monitoring device of all banks of system makes the currency monitoring device of each bank that can obtain transaction record letter
Breath, and will be in the data block of transaction record information storage to the correspondence of itself storage currency.Complete above- mentioned information note
After record, this deposit of currency monitoring device all record storages of each bank in above-mentioned banking system about the currency
Or take out the transaction record information of transaction.
Based on above explained, the characteristics of the distributed storage of data block, when certain single currency participates in deposit or takes out
When the operation of bank, respectively hold the currency monitoring device of (each bank) that can all record transaction record information in banking system, the friendship
Easily record information equally has the characteristics that distribution storage.The characteristics of based on the storage of data distribution formula, which is not
It is easy to be tampered, meanwhile, the currency monitoring device of each bank in above-mentioned banking system can be recorded about the currency
Circulate whereabouts information, and when the currency is when participating in deposit again or taking out bank transaction, the currency monitoring device of transaction bank is same
Sample records Transaction Information, and the currency monitoring device of each bank determines the circulation whereabouts information of the currency again.
In addition, the embodiment of the present application is also set, when the currency monitoring device of bank executes certain single currency deposit or takes out
The operation of bank, and when the transaction record information of record is broadcast to banking system, the goods of other banks in banking system
Coin monitoring device can verify the validity of the transaction record information, only when confirming that the transaction record is effective,
Confirmation can store the transaction record information, otherwise issue warning information to banking system, and informing banking system, this is traded not
Rule are closed, should prevent to trade.Verifying of the currency monitoring device to the validity of moneytary operations record information, can be by about this
The historical transaction record information of currency carries out, when this transaction record information about the currency is handed over the history about the currency
When easily record information matches, it is determined that this transaction record information about the currency is effective.
For example, it is assumed that certain currency A is stored into Liao Jia bank, hereafter never again when last time participating in currency deposit bank
The bank transaction about the currency occurs.On this basis, if the currency monitoring device of second bank is recorded in certain day by goods
Coin A, which takes out, gives certain user, and has recorded transaction record information and the transaction record information is broadcast in banking system.Work as silver
The currency monitoring device of the currency monitoring device of other banks in row system, especially first bank receives the transaction record information
When, it compares and finds with the historical transaction record information about the currency, be to incorporate first when which trades
Bank, but never taken out later from first bank, then can be concluded that this currency incorporates second bank again is not conform to often
Rule, therefore warning information is issued, the currency A for alerting this deposit second bank may be counterfeit money, while prevent to trade this
Information storage is recorded into data block corresponding with currency A.
Data block is respectively created for recording its transaction record information for single currency in the embodiment of the present application, and should
Transaction record information distributed storage to banking system each bank currency monitoring device, actually to the transaction of currency
Record information carries out the storage of the data based on block chain, relies on block chain distribution account book and can not distort characteristic, for every
For one currency, any primary deposit or the operation of taking-up bank in life cycle are all recorded, and by department of banking
The currency monitoring device of Tong Gejia bank records, and can be convenient the circulation whereabouts to the currency and carries out accurate control.
By above-mentioned introduction as it can be seen that the embodiment of the present application is when currency takes out or is stored in bank, monitored by the currency of bank
Device records the transaction record information about the currency, and by transaction record information storage to the corresponding currency, distribution is deposited
It is stored in the data block in banking system, the currency monitoring device of each bank in this way in banking system all records the goods
The transaction record information of coin.By the transaction record information of currency, it can clearly know that currency is deposited every time in life cycle
Enter or take out the Transaction Information of bank, so that it is determined that the circulation whereabouts of currency.
Optionally, the monitoring of each currency in above-mentioned currency monitoring system is also disclosed in another embodiment of the application
The specific structure of device.Shown in Figure 6, above-mentioned currency monitoring device includes:
Message processing module 2001, for according to the identification information of the currency, taking when currency takes out or is stored in bank
Out or the user account information of the deposit currency, transaction record information is generated；Transaction record information storage is arrived and institute
It states in the corresponding data block of currency；
The block chain memory module 2002 being connect with the message processing module, for storing data block.
Specifically, above-mentioned currency monitoring device internal structure is carried out module division, tool according to function by the embodiment of the present application
Body is divided into the message processing module 2001 for carrying out data processing and block chain memory module 2002 for storing data.
Wherein, above- mentioned information processing module 2001 is used for when currency takes out or is stored in bank, according to the mark of the currency
The user account information for knowing information, taking-up or the deposit currency, generates transaction record information；The transaction record information is deposited
It stores up in data block corresponding with the currency；
Above-mentioned block chain memory module 2002 is realized as data storage device to above-mentioned data field corresponding with currency
The storage of block.
It is appreciated that above- mentioned information processing module 2001 arrives transaction record information storage relevant to currency and currency pair
When in the data block answered, specifically transaction record information relevant to currency is stored to above-mentioned block chain memory module 2002
In the data block corresponding with the currency of middle storage.
Further, the concrete processing procedure of above- mentioned information processing module 2001 is supervised referring also to currency shown in fig. 5
The concrete processing procedure of currency monitoring device in control system, details are not described herein again.
Optionally, shown in Figure 7 in another embodiment of the application, the message processing module is also disclosed,
Include:
Initial data increases modified module 2003, channel record module 2004 newly；
Wherein, the initial data increases modified module 2003 newly, for generating data block corresponding with currency；
The channel record module 2004, for being believed according to the mark of the currency when currency takes out or is stored in bank
The user account information of the currency is ceased, taken out or be stored in, generates transaction record information, and the transaction record information is stored
Into data block corresponding with the currency.
Specifically, the embodiment of the present application is set, when currency is when initial issue is launched to market, the newly-increased modification of initial data
Module 2003 generates a corresponding data block to each currency, for storing the deposit or take out bank that the currency is participated in
Transaction record information.
Meanwhile the embodiment of the present application is set when generating corresponding data block for each currency, for the ease of distinguishing not
The corresponding data block with currency is utilized respectively unique identification information of each currency, such as the crown word number of bank note etc., generates and breathes out
Uncommon value, and using the cryptographic Hash as the identification information of data block corresponding with currency.
When bank's response Client-initiated currency access transaction, above-mentioned channel record module 2004 will record currency
Access the information such as the Transaction Information, including access time, access location of transaction.
Meanwhile the currency that the Central Bank produces every time, unique identification information is all carried, such as the crown word number on bank note
Deng.It is all the currency that deposit or taking-up have unique identification information when each user's deposit or taking-up currency.
For channel record module 2004, the mark letter of user's deposit or the currency taken out can be completely recorded
Breath, meanwhile, channel record module 2004 can recorde deposit or take out the account information of the user of currency, such as user identity letter
Breath etc..
Further, the embodiment of the present application is set, the channel of the currency monitoring device of each bank in above-mentioned banking system
Logging modle 2004 records identification information, the user account information of accessed currency in user's access currency process of exchange
After Transaction Information, these comprehensive information generate transaction record information.
By taking user accesses bill as an example, its specific number can be recorded respectively according to transaction record information item shown in Fig. 2
According to being corresponded to the transaction record information of accessed bill.
It participates in shown in Fig. 8, is also disclosed in another embodiment of the application, the currency monitoring device, further includes:
The code key management module 2005 being connect with the block chain memory module, for in the block chain memory module
The data of storage are encrypted；
Government authorities authorization module 2006, for the user for reading data from the block chain memory module 2002
It is audited and is authorized.
It is supervised specifically, currency monitoring system disclosed in the embodiment of the present application is arranged by government department, only portion of government
The user of door authorization or mechanism just can use the circulation whereabouts of the data query currency of currency monitoring system storage.
Therefore, the embodiment of the present application is that governability is arranged in the currency monitoring device of each bank of above-mentioned currency monitoring system
Mechanism authorization module 2006, the module are used to read data from the block chain memory module 2002 of currency monitoring device to needs
User audit and authorize, for audit pass through user authorization can be read from block chain memory module 2002 about
The transaction record information of currency.
Meanwhile the embodiment of the present application is also currency monitoring device setting code key management module 2005, for being deposited to block chain
The data stored in storage module 2002 are encrypted, and especially currency monitoring device will newly store block chain memory module
When the transaction record information about currency in 2002 is broadcast in banking system, the encryption to transaction record information is first carried out；
And when authorized user requests the transaction record information about currency from currency monitoring, first transaction record information is carried out
Encryption is then forwarded to user.
It is shown in Figure 9, it is also disclosed in another embodiment of the application, the currency monitoring device, further includes:
Data inquiry module 2007, for showing the data inquired from the block chain memory module；
Specifically, above-mentioned data inquiry module 2007 includes all kinds of charts, for showing from block chain memory module 2002
In the transaction record information about currency that inquires therefrom analysed whether convenient for the record that financial institution inquiry user withdraws cash
The improper moneytary operations such as money laundering, consumptive loan occur.
Behavioural analysis module 2008 is analyzed for the behavior to the user for taking out or being stored in currency, is identified；
Specifically, above-mentioned behavioural analysis module 2008, accesses behavior for the currency to the user for taking out or being stored in currency
It analyzed, identified, and the purposes for the currency that user takes out is analyzed, therefrom identify whether that money laundering, consumption loan occurs
The illegal moneytary operations such as money.
Further, according to the difference for the content analyzed, above-mentioned behavioural analysis module 2008 is further divided into for dividing
Analysis user whether by the loan currency of taking-up be stored in other banks behavior module, be used to analyze whether user to carry out money laundering
Module etc..
Mechanism and user management module 2009, for distributing data query permission for mechanism.
Specifically, the module being managed to mechanism, i.e. said mechanism and user's pipe is also separately provided in the embodiment of the present application
Module 2009 is managed, the transaction record about currency is inquired from block chain memory module 2002 by module user management financial institution
The permission of information, the financial institution only authorized by mechanism and user management module 2009, could be from block chain memory module
Transaction record information of the inquiry about currency in 2002.
For the various method embodiments described above, for simple description, therefore, it is stated as a series of action combinations, but
Be those skilled in the art should understand that, the application is not limited by the described action sequence because according to the application, certain
A little steps can be performed in other orders or simultaneously.Secondly, those skilled in the art should also know that, it is retouched in specification
The embodiment stated belongs to preferred embodiment, necessary to related actions and modules not necessarily the application.
It should be noted that all the embodiments in this specification are described in a progressive manner, each embodiment weight
Point explanation is the difference from other embodiments, and the same or similar parts between the embodiments can be referred to each other.
For device class embodiment, since it is basically similar to the method embodiment, so being described relatively simple, related place ginseng
See the part explanation of embodiment of the method.
Step in each embodiment method of the application can be sequentially adjusted, merged and deleted according to actual needs.
Each embodiment kind device of the application and module in terminal and submodule can be merged according to actual needs, be drawn
Divide and deletes.
In several embodiments provided herein, it should be understood that disclosed terminal, device and method, Ke Yitong
Other modes are crossed to realize.For example, terminal embodiment described above is only schematical, for example, module or submodule
Division, only a kind of logical function partition, there may be another division manner in actual implementation, for example, multiple submodule or
Module may be combined or can be integrated into another module, or some features can be ignored or not executed.Another point is shown
The mutual coupling, direct-coupling or communication connection shown or discussed can be through some interfaces, between device or module
Coupling or communication connection are connect, can be electrical property, mechanical or other forms.
Module or submodule may or may not be physically separated as illustrated by the separation member, as mould
The component of block or submodule may or may not be physical module or submodule, it can and it is in one place, or
It may be distributed on multiple network modules or submodule.Some or all of mould therein can be selected according to the actual needs
Block or submodule achieve the purpose of the solution of this embodiment.
In addition, each functional module or submodule in each embodiment of the application can integrate in a processing module
In, it is also possible to modules or submodule physically exists alone, it can also be integrated with two or more modules or submodule
In a module.Above-mentioned integrated module or submodule both can take the form of hardware realization, can also use software function
Energy module or the form of submodule are realized.
Professional further appreciates that, unit described in conjunction with the examples disclosed in the embodiments of the present disclosure
And algorithm steps, can be realized with electronic hardware, computer software, or a combination of the two, in order to clearly demonstrate hardware and
The interchangeability of software generally describes each exemplary composition and step according to function in the above description.These
Function is implemented in hardware or software actually, the specific application and design constraint depending on technical solution.Profession
Technical staff can use different methods to achieve the described function each specific application, but this realization is not answered
Think beyond scope of the present application.
The step of method described in conjunction with the examples disclosed in this document or algorithm, can directly be held with hardware, processor
The combination of capable software unit or the two is implemented.Software unit can be placed in random access memory (RAM), memory, read-only deposit
Reservoir (ROM), electrically programmable ROM, electrically erasable ROM, register, hard disk, moveable magnetic disc, CD-ROM or technology
In any other form of storage medium well known in field.
Finally, it is to be noted that, herein, relational terms such as first and second and the like be used merely to by
One entity or operation are distinguished with another entity or operation, without necessarily requiring or implying these entities or operation
Between there are any actual relationship or orders.Moreover, the terms "include", "comprise" or its any other variant meaning
Covering non-exclusive inclusion, so that the process, method, article or equipment for including a series of elements not only includes that
A little elements, but also including other elements that are not explicitly listed, or further include for this process, method, article or
The intrinsic element of equipment.In the absence of more restrictions, the element limited by sentence "including a ...", is not arranged
Except there is also other identical elements in the process, method, article or apparatus that includes the element.
The foregoing description of the disclosed embodiments makes professional and technical personnel in the field can be realized or use the application.
Various modifications to these embodiments will be readily apparent to those skilled in the art, as defined herein
General Principle can be realized in other embodiments without departing from the spirit or scope of the application.Therefore, the application
It is not intended to be limited to the embodiments shown herein, and is to fit to and the principles and novel features disclosed herein phase one
The widest scope of cause.
Claims (10)
1. a kind of currency monitoring method characterized by comprising
When currency takes out or is stored in bank, according to user's account of the identification information of the currency, taking-up or the deposit currency
Family information generates transaction record information；
By transaction record information storage into data block corresponding with the currency；Wherein, the data block distribution
It is stored in banking system, for storing moneytary operations information；The banking system includes the banking institution of each place and center.
2. the method according to claim 1, wherein the method also includes:
Judge in banking system with the presence or absence of data block corresponding with the currency；
If data block corresponding with the currency is not present in banking system, corresponding data are created for the currency
Block.
3. according to the method described in claim 2, it is characterized in that, the method also includes:
Cryptographic Hash is generated according to the identification information of the currency, the identification information as the corresponding data block of the currency.
4. a kind of currency monitoring device characterized by comprising
Information generating unit is used for when currency takes out or is stored in bank, according to the identification information of the currency, taking-up or deposit
The user account information of the currency generates transaction record information；
Information memory cell, for storing the transaction record information into data block corresponding with the currency；Wherein,
The data block distribution is stored in banking system, for storing moneytary operations information；The banking system includes each place
With the banking institution in center.
5. device according to claim 4, which is characterized in that described device further include:
Judging unit, for judging in banking system with the presence or absence of data block corresponding with the currency；
Block creating unit, for when data block corresponding with the currency is not present in banking system, being the goods
Coin creates corresponding data block.
6. a kind of currency monitoring system characterized by comprising
It is set to the currency monitoring device of each place and center；
Wherein, the currency monitoring device is used to according to the identification information of the currency, take when currency takes out or is stored in bank
Out or the user account information of the deposit currency, transaction record information is generated；Transaction record information storage is arrived and institute
It states in the corresponding data block of currency.
7. system according to claim 6, which is characterized in that the currency monitoring device, comprising:
Message processing module is used for when currency takes out or is stored in bank, according to the identification information of the currency, taking-up or deposit
The user account information of the currency generates transaction record information；Transaction record information storage is arrived and the currency pair
In the data block answered；
The block chain memory module being connect with the message processing module, for storing data block.
8. system according to claim 7, which is characterized in that the message processing module, comprising:
Initial data increases modified module, channel record module newly；
Wherein, the initial data increases modified module newly, for generating data block corresponding with currency；
The channel record module, for when currency take out or be stored in bank when, according to the identification information of the currency, take out or
Be stored in the user account information of the currency, generate transaction record information, and by transaction record information storage to it is described
In the corresponding data block of currency.
9. system according to claim 7 or 8, which is characterized in that the currency monitoring device, further includes:
The code key management module being connect with the block chain memory module, for the number stored in the block chain memory module
According to being encrypted；
Government authorities authorization module, for the user for reading data from the block chain memory module to be audited and awarded
Power.
10. system according to claim 7 or 8, which is characterized in that the currency monitoring device, further includes:
Data inquiry module, for showing the data inquired from the block chain memory module；
Behavioural analysis module is analyzed for the behavior to the user for taking out or being stored in currency, is identified；
Mechanism and user management module, for distributing data query permission for mechanism.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811119884.7A CN109242486A (en) | 2018-09-25 | 2018-09-25 | A kind of currency monitoring method, apparatus and system |
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| Application Number | Priority Date | Filing Date | Title |
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| CN201811119884.7A CN109242486A (en) | 2018-09-25 | 2018-09-25 | A kind of currency monitoring method, apparatus and system |
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| CN201811119884.7A Pending CN109242486A (en) | 2018-09-25 | 2018-09-25 | A kind of currency monitoring method, apparatus and system |
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| CN112529551A (en) * | 2020-12-18 | 2021-03-19 | 京北方信息技术股份有限公司 | Block chain-based currency circulation supervision method, system, equipment and medium |
| CN113077338A (en) * | 2021-04-30 | 2021-07-06 | 中国银行股份有限公司 | Bank exchequer cash deposit and withdrawal synchronous recording method, device and system |
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Application publication date: 20190118 |