CN109741045A - The online cross-border transfer method of payment of user between a kind of business bank based on block chain - Google Patents
The online cross-border transfer method of payment of user between a kind of business bank based on block chain Download PDFInfo
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- CN109741045A CN109741045A CN201910061054.1A CN201910061054A CN109741045A CN 109741045 A CN109741045 A CN 109741045A CN 201910061054 A CN201910061054 A CN 201910061054A CN 109741045 A CN109741045 A CN 109741045A
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Abstract
The invention discloses the online cross-border transfer methods of payment of user between a kind of business bank based on block chain, by transfer payment technical system cross-border between traditional business bank and emerging blending by virtual digit encryption currency cross-border transfer payment technology system based on block chain technology, using particular country legal tender as intermediary's coin, using intermediary's coin as the carrier of the Jia Ge Ku between country variant currency, the Jia Ge Ku between country variant currency is realized using intelligent contract, and then replace virtual digit currency, on the basis of the financial supervision of the cross-border payment of existing business bank, the point-to-point transmission of cross-border payment between business bank is realized by alliance's chain in block chain technical system, the technical solution has controllable anonymity simultaneously, retrospective technical characteristic, to meet the financial supervision demand between international and area.
Description
Technical field
The present invention relates to block chain payment technical fields, and in particular between a kind of business bank based on block chain user online across
Border transfer payment method.
Background technique
Along with the increasingly close of global economy contacts, cross-border online transfer payment demand is increasing.It is international at this stage
Between transfer payment there are two different technical systems, i.e., cross-border transfer payment technical system and emerging between traditional business bank
Based on block chain technology by virtual digit encrypt currency cross-border transfer payment technology system.The two respectively has advantage and disadvantage, but
It is difficult to meet convenient, safe user's use demands and traceable, controllable anonymous government regulation demand on the whole.It is specific and
It saying, cross-border transfer payment technology meets the financial supervision demand between international and area at this stage between traditional business bank, but
Poor in timeliness, cost are high, formality is many and diverse, while providing the global bank finance electricity of Communications service for cross-border financial transfer
Believe that association (SWIFT) repeatedly meets with security attack in recent years, safety is under suspicion, while rigid architecture is also capable
Industry denounces.And the technical system that cross-border transfer payment is realized by virtual digit encryption currency based on block chain technology, though
Have a clear superiority in terms of timeliness and safety, but its institute by virtual digit encrypt currency and faced not in countries in the world
With the policy risk of degree, the virtual digit currency value of public publication is unstable, so that cross-border transfer payment value generation is huge
It changes, also technical threshold with higher makes general user be difficult to contact for operation.Meanwhile the higher anonymity of the technical system
Property is also that financial supervision brings huge challenge.
Summary of the invention
In view of the above-mentioned problems, the present invention provides the online cross-border transfer branch of user between a kind of business bank based on block chain 4
The mode of paying.
To achieve the above object, the present invention provides the online cross-border transfer branch of user between a kind of business bank based on block chain
The mode of paying,
1) the cross-border business bank based on block chain is set up jointly by way of signing cooperation agreement in several business banks
Payment system, each business bank are used as the node in block chain to exist, and arrange with the legal tender of any one country
As intermediary's coin；
2) business bank in cross-border business bank's payment system provides funds to set up the cross-border pond that disburses funds jointly, while every
A business bank sets up cross-border payment excess reserve balancing account, using intelligent contract by between different legal tenders and intermediary's coin into
The Jia Ge Ku between different legal tenders is realized in row exchange；
3) user opens business bank's home currency account, and any one authentication mode is selected to carry out bank's home currency account operation permission
Certification；
4) user submits cross-border payment to apply in bank client, including the cross-border quantity that disburses funds, recipient and its open an account
Bank information, and application testimonial material is submitted according to every country or the regulatory requirements in area, business bank is according to corresponding political affairs
Plan, regulation are audited, and audit judges whether the recipient bank of deposit is commercial silver by opening home currency account for user
The member of cross-border payment system in the ranks applies if then submitting to cross-border business bank's payment system；
5) it after business bank accepts user's request, is communicated with cross-border business bank's payment system, cross-border branch is waited for according to user
Capital amount is paid, itself can be used within the scope of amount, buys intermediary's coin using home currency by block chain intelligence contract, and transaction is remembered
Enter business bank's foreign exchange excess reserve balancing account, communicated in payment system with the recipient bank of deposit, pays intermediary's coin to it,
After recipient receives intermediary's coin, intermediary's coin is sold by block chain intelligence contract in system, obtains recipient the country in which it is located
Or the home currency in area, business bank's foreign exchange excess reserve balancing account is charged into transaction, corresponding fund is saved into recipient's account
In, related cross-border transaction payment record is logged on block chain by payment system；
6) user receives the payment application return information from business bank on bank client, confirms that this payment process is
The no cognition with oneself is consistent；
7) business bank leads to user client, cross-border business bank's payment system, recipient's home currency account bank of deposit
Letter, the cross-border Payment Scheduling in cross-border business bank's payment system is pass on to user client, and by final payment result to
User client is sent；
8) business bank is cleared according to bank's foreign exchange excess reserve account income and expenses, is bought by using the mode of intelligent contract
The mode for selling the acquisition of intermediary's coin or payment home currency realizes clearing.
The cross-border pond that disburses funds provides funds to set up jointly by business bank, is determined according to the agreement signed between business bank each
The amount of funds and currency type that a business bank is paid, the fund of business bank include two parts, and a part is deposit, are used for
Risk control is carried out, a part is circulating fund, for carrying out currency conversion.
It is maximum available in cross-border business bank's payment system that circulating fund volume in business bank's investment amount of money represents it
With the available amount of cross-border payment.
The cross-border payment excess reserve balancing account of business bank is recorded using Double entry bookkeeping.
The original records of the cross-border payment excess reserve balancing account of business bank are it in the cross-border pond that disburses funds
The investment amount of money.
Intermediary's coin is determined by business bank by signing cooperation agreement, and is determined between different legal tenders and intermediary's coin
Exchange ratio.
The authentication mode includes password authentication, one of face authenticating, finger print identifying, sound authentication or a variety of groups
It closes.
Beneficial effects of the present invention: a variety of authentication modes of utilization, login of the Lai Shixian user to business bank's client, with
And the certification and authorization of user business bank home currency account, it ensure that the user's operation safety in payment process；It utilizes simultaneously
Business bank pays application to client's cross-border transfer and related data is audited, and realizes controllable anonymity, convenient for supervision；Benefit
Cross-border payment alliance, business bank is set up with the mode for concluding contract, the cross-border transaction payment process between business bank is recorded
On alliance's chain, realize transaction can not tamper and trackability；By the way of point-to-point transmission, payment is effectively reduced
Transaction level in the process reduces cost；Business bank's foreign exchange excess reserve balancing account is set in order to bank clearing；If
Stand the cross-border pond that disburses funds, fund a part that business bank is paid money as security prevents the moral hazard of business bank；
A part of fund is as circulating fund, and to buy intermediary's coin, setting intermediary's coin and legal tender are anchored, and reduces policy risk,
Reduce value fluctuation.To sum up, the present invention can safely, conveniently realize that cross-border transfer is paid, and effectively reduce cost expense, improve
Transaction rate, while meeting financial supervision requirement, cross-border payment have it is controllable it is anonymous, can supervise, can be traced and can not tamper；
It is also convenient for business bank's clearance and clearing.
Detailed description of the invention
Fig. 1 is logic synoptic diagram of the invention.
Fig. 2 is Technology Roadmap of the invention.
Specific embodiment
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation description, it is clear that described embodiment is only a part of the embodiments of the present invention, instead of all the embodiments.Base
Embodiment in the present invention, it is obtained by those of ordinary skill in the art without making creative efforts it is all its
His embodiment, shall fall within the protection scope of the present invention.
It is to be appreciated that the directional instruction (such as up, down, left, right, before and after ...) of institute is only used in the embodiment of the present invention
In explaining in relative positional relationship, the motion conditions etc. under a certain particular pose (as shown in the picture) between each component, if should
When particular pose changes, then directionality instruction also correspondingly changes correspondingly.
In the present invention unless specifically defined or limited otherwise, term " connection ", " fixation " etc. shall be understood in a broad sense,
For example, " fixation " may be a fixed connection, it may be a detachable connection, or integral；It can be mechanical connection, be also possible to
Electrical connection；It can be directly connected, the connection inside two elements or two can also be can be indirectly connected through an intermediary
The interaction relationship of a element, unless otherwise restricted clearly.It for the ordinary skill in the art, can basis
Concrete condition understands the concrete meaning of above-mentioned term in the present invention.
In addition, the description for being such as related to " first ", " second " in the present invention is used for description purposes only, and should not be understood as
Its relative importance of indication or suggestion or the quantity for implicitly indicating indicated technical characteristic.Define as a result, " first ",
The feature of " second " can explicitly or implicitly include at least one of the features.In addition, the technical side between each embodiment
Case can be combined with each other, but must be based on can be realized by those of ordinary skill in the art, when the combination of technical solution
Conflicting or cannot achieve when occur will be understood that the combination of this technical solution is not present, also not the present invention claims guarantor
Within the scope of shield.
The present invention provides the online cross-border transfer means of payment of user between a kind of business bank based on block chain,
1) the cross-border business bank based on block chain is set up jointly by way of signing cooperation agreement in several business banks
Payment system, each business bank are used as the node in block chain to exist, and arrange with the legal tender of any one country
As intermediary's coin；Intermediary's coin is the legal tender of particular country or international organization that business bank is determined by cooperation agreement, such as
Dollar, RMB, Euro etc..
2) business bank in cross-border business bank's payment system provides funds to set up the cross-border pond that disburses funds jointly, together
When each business bank set up cross-border payment excess reserve balancing account, using intelligent contract by different legal tenders and intermediary's coin it
Between carry out exchange, realize the Jia Ge Ku between different legal tenders；
3) user opens business bank's home currency account, and any one authentication mode is selected to carry out bank's home currency account operation permission
Certification,
Wherein user needs to realize a payment process, it is necessary first to which application is mentioned in issuing bank, business bank home currency account
Corresponding application material is handed over, bank's audit is applied by user, home currency fund to be paid is saved in business bank's home currency account,
User logs in business bank's client and selects corresponding certification according to the identifiable mode of the identification module of this payment process
The authentication mode of module carries out the certification of bank's home currency account operation permission；
4) user submits cross-border payment to apply in bank client, including the cross-border quantity that disburses funds, recipient and its open an account
Bank information, and application testimonial material is submitted according to every country or the regulatory requirements in area, business bank is according to corresponding political affairs
Plan, regulation are audited, and audit judges whether the recipient bank of deposit is commercial silver by opening home currency account for user
The member of cross-border payment system in the ranks applies if then submitting to cross-border business bank's payment system；
5) it after business bank accepts user's request, is communicated with cross-border business bank's payment system, cross-border branch is waited for according to user
Capital amount is paid, itself can be used within the scope of amount, buys intermediary's coin using home currency by block chain intelligence contract, and transaction is remembered
Enter business bank's foreign exchange excess reserve account, communicated in payment system with the recipient bank of deposit, pays intermediary's coin to it, receive
After side receives intermediary's coin, intermediary's coin is sold by block chain intelligence contract in system, obtains recipient the country in which it is located or ground
Transaction is charged to business bank's foreign exchange excess reserve account, corresponding fund is saved in recipient's account by the home currency in area, payment system
Related cross-border transaction payment record is logged on block chain by system, and then realizes can be traced, can not distorting for data；
6) user receives the payment application return information from business bank on bank client, confirms that this payment process is
The no cognition with oneself is consistent；If user confirms that the secondary payment process is consistent with the cognition of oneself, carried out on bank client
Payment affirmation, then business bank carries out step 5, while user inquires the progress of cross-border payment by bank client；If user
Confirm that the secondary payment process is different from the cognition of oneself, then user carries out the operation of payment objection, bank on bank client
The objection signal from user client is received, the application received is verified again, until user's objection elimination, weight
It is new to carry out step 5；
7) business bank leads to user client, cross-border business bank's payment system, recipient's home currency account bank of deposit
Letter, the cross-border Payment Scheduling in cross-border business bank's payment system is pass on to user client, and by final payment result to
User client is sent；
8) business bank is cleared according to bank's foreign exchange excess reserve account income and expenses, is bought by using the mode of intelligent contract
The mode for selling the acquisition of intermediary's coin or payment home currency realizes clearing.
Based on the above method, the present invention includes the following contents:
Business bank's client, authentication module, identification module, user business bank home currency account, business bank's empowerment management mould
Block, cross-border payment system between business bank, the cross-border excess reserve fund pool of business bank, business bank's foreign exchange excess reserve account, in
Jie's coin；
Business bank's client is supplied to user by business bank and uses, and user can use cell phone or personal computer etc.
Intelligent terminal logs in client, and disburse funds to cross-border transfer is stored in itself business bank's home currency account, submits outside exchanging
Coin application and related pending data, payment affirmation, pay objection, and inquiry cross-border transfer is paid more than progress and home currency account
The operation of volume, foreign currency account balance；Business bank's client can be communicated with the cross-border payment system of interbank.
Authentication module is the business that the user real identification for logging in business bank's client is identified, and possessed
The operating right of legal tender on bank client authenticates different identification modules.There are many authenticating parties for authentication module
Formula, including password authentication, face authenticating, finger print identifying, sound authentication；Password authentication, face authenticating；Finger print identifying, sound are recognized
Card is the password that oneself is respectively adopted in user, facial, fingerprint, and foundation of the sound as certification authenticates identification module；
Identification module can recognize at least one of authentication module authentication mode；
The home currency account that user business bank home currency account, that is, user opens in business bank, savings have user's in home currency account
Home currency fund, user can access its home currency account opened in business bank by business bank's client, and provide to home currency
Gold is operated, and cross-border payment system foreign currency exchange is the fund after home currency between home currency account can receive business bank；
Cross-border payment system is cross-border business bank's payment system based on alliance's chain between business bank, and wherein alliance's chain is a kind of
The cross-border commercial silver based on alliance's chain is set up jointly by way of signing cooperation agreement in the deployment way of block chain, business bank
Row payment system, business bank provides funds to set up the cross-border pond that disburses funds jointly in the system, wherein each business bank set up across
Border pays excess reserve balancing account, by between the different legal currency types of exchange realization between different legal tenders and intermediary's coin
Jia Ge Ku, and then cross-border transaction payment is completed, business bank is completed by calculating cross-border payment excess reserve balancing account remaining sum
Intermediary's currency exchange in account balance is that this border legal tender realizes clearing by clearance；
Business bank provides funds to set up in the cross-border pond that disburses funds jointly by business bank, true according to the agreement signed between business bank
The amount of funds and currency type that fixed each business bank is paid, the fund of business bank includes two parts, and a part is deposit,
For carrying out risk control, moral hazard is prevented, a part is circulating fund, and for carrying out currency conversion, business bank provides funds
Circulating fund volume in the amount of money represents it, and maximum can be to the available amount of cross-border payment in systems；
The cross-border payment excess reserve balancing account, that is, commercial silver behavior record of business bank cross-border payment system certainly between business bank
Expenditure and the account executive of income situation setting in system, are recorded, business bank's foreign exchange excess reserve using Double entry bookkeeping
The original records of account are its investment amount of money in the cross-border excess reserve fund pool of business bank；
The circulating fund of all business banks in the cross-border excess reserve fund pool of Bi Ji business bank, intermediary, intermediary's coin are different goods
The legal tender of the particular country of value delivery is carried out between coin, business bank determines the coin of intermediary's coin by signing cooperation agreement
Kind, and determine the exchange ratio between different currency and intermediary's coin.
Embodiment
User A is opened by fingerprint identification device in business bank, F state D by the mobile client of business bank, E state C
Bank home currency account user B carries out the F state currency of online cross-border 5000 yuan of payment, and converting into E state currency is 500 yuan.
Business bank C and business bank D signs cooperation agreement, is all the member unit of cross-border payment system, and join jointly
The cross-border excess reserve fund pool of business bank is set up with investment, and is respectively setting up business bank's foreign exchange excess reserve account, decides through consultation this
Conversion ratio between state's currency and intermediary's coin；
User A opens business bank's home currency account application to business bank C proposition and submits relevant evidential material, business bank C
Data is provided to user A to audit, and opens home currency account after the approval for user A, user is stored in 500 yuan of E in the account
State's currency；
Cell phone application is user's mobile client that business bank C is provided, and user is stepped on using cell phone application by fingerprint identification device
Bank's home currency account is recorded, and user business bank home currency account is authenticated and authorized using authentication module；In bank's home currency
In account, user proposes elder generation's user B 5000 yuan of F state currency of cross-border payment to business bank C, and by the bank of deposit D of user B
It informs business bank C, while corresponding application testimonial material being provided, business bank C carries out the application of user A and associated materials
Audit, and inquire whether business bank D is cross-border payment system member unit, after the application of user A passes through, while business bank
D belongs to cross-border payment system member unit, and business bank C is inquired in transnational payment system to use amount, utilizes intelligent contract
Intermediary's coin with 500 yuan of E state money equivalents is bought, and intelligent contract is set by intermediary's coin transfer payment to business bank D, business
After bank D receives intermediary's coin, intermediary's coin is sold using intelligent contract, obtains 5000 yuan of F state currency, and corresponding fund is deposited
Home currency account of the access customer B in business bank D, cross-border payment transaction are completed, and business bank D and business bank C are communicated, and are informed
Payment progress and payment result；
Respective pay is charged to bank's foreign exchange excess reserve account of business bank C by business bank C, and business bank D will be corresponding
Payment record charges to bank's foreign exchange excess reserve account of business bank D, and cross-border payment system remembers correlation payment between business bank
Record is charged in alliance's chain；Business bank C passs on Payment Scheduling and payment result to user A.Business bank C and business bank D
It is cleared and is settled accounts according to bank's foreign exchange excess reserve account.
Since block chain has the characteristics that decentralization, can not distort, safe and reliable, it, can using present embodiment
To guarantee the safe and reliable of actual delivery process, it is ensured that real money is accurately transferred accounts to beneficiary real account, while based on existing
There is business bank's supervisory system, give full play to important function of the business bank in financial supervision, so that branch proposed by the present invention
The mode of paying has controllable anonymity, can supervisory, trackability and can not tamper；It is also convenient for business bank's clearance and clearing.
Embodiment is not construed as limitation of the present invention, but any based on spiritual improvements introduced of the invention, all should be
Within protection scope of the present invention.
Claims (7)
1. the online cross-border transfer method of payment of user between a kind of business bank based on block chain, it is characterised in that:
1) the cross-border business bank based on block chain is set up jointly by way of signing cooperation agreement in several business banks
Payment system, each business bank are used as the node in block chain to exist, and arrange with the legal tender of any one country
As intermediary's coin；
2) business bank in cross-border business bank's payment system provides funds to set up the cross-border pond that disburses funds jointly, while every
A business bank sets up cross-border payment excess reserve balancing account, using intelligent contract by between different legal tenders and intermediary's coin into
The Jia Ge Ku between different legal tenders is realized in row exchange；
3) user opens business bank's home currency account, and any one authentication mode is selected to carry out bank's home currency account operation permission
Certification；
4) user submits cross-border payment to apply in bank client, including the cross-border quantity that disburses funds, recipient and its open an account
Bank information, and application testimonial material is submitted according to every country or the regulatory requirements in area, business bank is according to corresponding political affairs
Plan, regulation are audited, and audit judges whether the recipient bank of deposit is commercial silver by opening home currency account for user
The member of cross-border payment system in the ranks applies if then submitting to cross-border business bank's payment system；
5) it after business bank accepts user's request, is communicated with cross-border business bank's payment system, cross-border branch is waited for according to user
Capital amount is paid, itself can be used within the scope of amount, buys intermediary's coin using home currency by block chain intelligence contract, and transaction is remembered
Enter business bank's foreign exchange excess reserve balancing account, communicated in payment system with the recipient bank of deposit, pays intermediary's coin to it,
After recipient receives intermediary's coin, intermediary's coin is sold by block chain intelligence contract in system, obtains recipient the country in which it is located
Or the home currency in area, business bank's foreign exchange excess reserve balancing account is charged into transaction, corresponding fund is saved into recipient's account
In, related cross-border transaction payment record is logged on block chain by payment system；
6) user receives the payment application return information from business bank on bank client, confirms that this payment process is
The no cognition with oneself is consistent；
7) business bank leads to user client, cross-border business bank's payment system, recipient's home currency account bank of deposit
Letter, the cross-border Payment Scheduling in cross-border business bank's payment system is pass on to user client, and by final payment result to
User client is sent；
8) business bank is cleared according to bank's foreign exchange excess reserve account income and expenses, is bought by using the mode of intelligent contract
The mode for selling the acquisition of intermediary's coin or payment home currency realizes clearing.
2. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 1,
It is characterized by: the cross-border pond that disburses funds provides funds to set up jointly by business bank, it is true according to the agreement signed between business bank
The amount of funds and currency type that fixed each business bank is paid, the fund of business bank includes two parts, and a part is deposit,
For carrying out risk control, a part is circulating fund, for carrying out currency conversion.
3. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 2,
It is characterized by: the circulating fund volume in business bank's investment amount of money represents it, maximum can in cross-border business bank's payment system
Available amount to cross-border payment.
4. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 1,
It is characterized by: the cross-border payment excess reserve balancing account of business bank is recorded using Double entry bookkeeping.
5. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 4,
It is characterized by: the original records of the cross-border payment excess reserve balancing account of business bank are it in the cross-border pond that disburses funds
The investment amount of money.
6. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 1,
It is characterized by: intermediary's coin is determined by business bank by signing cooperation agreement, and determine different legal tenders and intermediary's coin it
Between exchange ratio.
7. the online cross-border transfer method of payment of user between a kind of business bank based on block chain according to claim 1,
It is characterized by: the authentication mode includes password authentication, one of face authenticating, finger print identifying, sound authentication or a variety of
Combination.
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| CN201910061054.1A CN109741045B (en) | 2019-01-23 | 2019-01-23 | Block chain-based online cross-border transfer payment method for users between commercial banks |
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| CN201910061054.1A CN109741045B (en) | 2019-01-23 | 2019-01-23 | Block chain-based online cross-border transfer payment method for users between commercial banks |
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