CN110163749A - Money transfer method and device in a kind of block chain - Google Patents
Money transfer method and device in a kind of block chain Download PDFInfo
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- CN110163749A CN110163749A CN201910468856.4A CN201910468856A CN110163749A CN 110163749 A CN110163749 A CN 110163749A CN 201910468856 A CN201910468856 A CN 201910468856A CN 110163749 A CN110163749 A CN 110163749A
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- transaction node
- remittance
- block chain
- account
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Abstract
The present embodiments relate to money transfer method and devices in the techno-financial field (Fintech) more particularly to a kind of block chain (Block chain) to improve remittance process convenience to reduce the difficulty of interbank reconciliation.The embodiment of the present invention includes: the first transaction node in block chain receives the application for remittance that transferor is sent, and includes the account of money transfer amount and beneficiary in N transaction node in application for remittance；First transaction node broadcasts money order message to remaining transaction node by block chain, and receives the confirmation message of remaining transaction node feedback；First transaction node is according to money transfer amount, by remaining N-1 transaction node to the account remittance of beneficiary；It after first transaction node receives the remittance success notification of N transaction node transmission, keeps accounts into the money transfer transactions account book of block chain, so that any transaction node in block chain carries out reconciliation according to money transfer transactions account book.
Description
Technical field
The present invention relates to money transfer method and devices in the techno-financial field (Fintech) more particularly to a kind of block chain.
Background technique
With the development of computer technology, more and more technical applications are in financial field, and traditional financial industry is gradually
Change to financial technology (Finteh), block chain (Block chain) technology is no exception, but due to the safety of financial industry
Property, requirement of real-time, also to technology propose higher requirement.
It transfers accounts currently, carrying out inter-bank using bank, needs to be provided at other side between the bank being in communication with each other mutually past
Carry out account, if needing to rely on agency without reciprocal account.In this way, a money transfer transactions can be related to multiple banks,
Particularly with cross-border money transfer transactions, the bank being related to is more.Every bank respectively safeguards transaction data, and hands over dependent on itself
Easy data, the day whole upstream and downstream bank reconciliation two-by-two with remittance path.Therefore, the reconciliation of interbank is more difficult, money transfer transactions
Complexity it is higher.
Summary of the invention
The application provides money transfer method and device in a kind of block chain, to reduce the difficulty of interbank reconciliation, improves and converges
Money process convenience.
Money transfer method in a kind of block chain provided in an embodiment of the present invention, comprising:
The first transaction node in block chain receives the application for remittance that transferor is sent, and includes remittance in the application for remittance
The account of the amount of money and beneficiary in N transaction node；It include N number of transaction node, any transaction node in the block chain
It is middle that there are the account of adjacent transaction node, N >=2；
First transaction node broadcasts money order message to remaining transaction node by block chain, and receive it is described its
The confirmation message of remaining transaction node feedback；
First transaction node is according to the money transfer amount, by remaining N-1 transaction node to the beneficiary
Account remittance；
After first transaction node receives the remittance success notification that the N transaction node is sent, Xiang Suoshu block
It keeps accounts in the money transfer transactions account book of chain, so that any transaction node in the block chain is according to the money transfer transactions account book
Carry out reconciliation.
In a kind of optional embodiment, further includes: first transaction node passes through remaining N- according to the money transfer amount
Account remittance of 1 transaction node to the beneficiary, comprising:
First transaction node deducts the money transfer amount from the account of the transferor, and to adjacent transaction section
The money transfer amount is transferred in the account of point；
First transaction node sends success notification of withholing into the block chain theme of the adjacent transaction node, with
Adjacent transaction node success notification of withholing according to is set to deduct the remittance from the account of first transaction node
The money amount of money, until the N transaction node increases the money transfer amount in the account of the beneficiary.
In a kind of optional embodiment, first transaction node is logical to remaining transaction node broadcast remittance by block chain
Know message, and receive the confirmation message of remaining transaction node feedback, comprising:
First transaction node broadcasts money order message into the block chain theme of remaining transaction node；
First transaction node obtains remaining described transaction node from the block chain theme of first transaction node
The confirmation message of feedback.
In a kind of optional embodiment, the first transaction node in the block chain receives the application for remittance that transferor is sent
Later, further includes:
First transaction node feeds back remittance receipt to the transferor.
The embodiment of the present invention also provides money transfer device in a kind of block chain, comprising:
Transmit-Receive Unit, for receiving the application for remittance of transferor transmission, in the application for remittance comprising money transfer amount and
Account of the beneficiary in N transaction node；It include N number of transaction node in block chain, there are adjacent friendships in any transaction node
The account of easy node, N >=2；
The Transmit-Receive Unit is also used to broadcast money order message to remaining transaction node by block chain, and receives institute
State the confirmation message of remaining transaction node feedback；
It remits money unit, for according to the money transfer amount, by remaining N-1 transaction node to the account of the beneficiary
Remittance；
Accounting unit, after receiving the remittance success notification that the N transaction node is sent, Xiang Suoshu block chain
It keeps accounts in money transfer transactions account book, so that any transaction node in the block chain is carried out according to the money transfer transactions account book
Reconciliation.
In a kind of optional embodiment, the remittance unit, described in being deducted from the account of the transferor
Money transfer amount, and the money transfer amount is transferred into the account of adjacent transaction node；
The Transmit-Receive Unit is also used to send to withhold into the block chain theme of the adjacent transaction node and successfully lead to
Know, so that the adjacent transaction node is withholdd according to, success notification deducts institute from the account of first transaction node
Money transfer amount is stated, until the N transaction node increases the money transfer amount in the account of the beneficiary.
In a kind of optional embodiment, the Transmit-Receive Unit is also used to:
Money order message is broadcasted into the block chain theme of remaining transaction node；
The confirmation message of remaining transaction node feedback is obtained from the block chain theme of first transaction node.
In a kind of optional embodiment, the Transmit-Receive Unit is also used to:
Remittance receipt is fed back to the transferor.
The embodiment of the present invention also provides a kind of electronic equipment, comprising:
At least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
A processor executes, so that at least one described processor is able to carry out method as described above.
The embodiment of the present invention also provides a kind of non-transient computer readable storage medium, and the non-transient computer is readable to deposit
Storage media stores computer instruction, and the computer instruction is for making the computer execute method as described above.
It in the embodiment of the present invention, is remitted money between bank by setting up block chain, includes N number of friendship in the block chain of foundation
Easy node, the corresponding transaction node of each bank, there are the accounts of adjacent transaction node in any transaction node.In block chain
The first transaction node receive the application for remittance that transferor is sent, comprising money transfer amount and beneficiary in N in application for remittance
Account in transaction node.First transaction node broadcasts money order message to remaining transaction node by block chain, and receives
The confirmation message of remaining transaction node feedback.First transaction node is according to money transfer amount, by remaining N-1 transaction node to receipts
The account remittance of money side.First transaction node is after the remittance success notification for receiving the transmission of N transaction node, to block chain
It keeps accounts in money transfer transactions account book, so that any transaction node in block chain carries out reconciliation according to money transfer transactions account book.This
Sample, the All Activity node in block chain safeguard money transfer transactions account book jointly, i.e., the corresponding bank of each transaction node can be with
The reconciliation of end day is carried out according to money transfer transactions account book, to improve remittance process convenience.And different bank utilizes same remittance
Account book of trading carries out reconciliation, reduces the error rate of interbank reconciliation, reduces the difficulty of interbank reconciliation.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly introduced, it should be apparent that, drawings in the following description are only some embodiments of the invention, for this
For the those of ordinary skill in field, without any creative labor, it can also be obtained according to these attached drawings
His attached drawing.
Fig. 1 is the flow diagram of money transfer method in the prior art；
Fig. 2 is the flow diagram of money transfer method in a kind of block chain provided in an embodiment of the present invention；
Fig. 3 is the flow diagram of money transfer method in block chain in the specific embodiment of the invention；
Fig. 4 is the structural schematic diagram of money transfer device in a kind of block chain provided in an embodiment of the present invention；
Fig. 5 is the structural schematic diagram of electronic equipment provided in an embodiment of the present invention.
Specific embodiment
To make the objectives, technical solutions, and advantages of the present invention clearer, below in conjunction with attached drawing to the present invention make into
It is described in detail to one step, it is clear that the described embodiments are only some of the embodiments of the present invention, rather than whole implementation
Example.Based on the embodiments of the present invention, obtained by those of ordinary skill in the art without making creative efforts
All other embodiment, shall fall within the protection scope of the present invention.
In order to make it easy to understand, the noun that may relate in the embodiment of the present invention is defined and is explained below.
Block chain: block chain is a kind of distributed memory system being safeguarded jointly by multiple nodes and trust.Block chain
A series of chain that bottom is made of blocks, in addition to the data of minute book block also will record upper one piece of Hash on each piece
Value forms the data structure of chain type in this way.One block is made of build and block, and wherein build definition includes being somebody's turn to do
The significant fields such as block height, the cryptographic Hash (prevHash) of a upper block, and the main store transaction data of block.Block chain
Guarantee the safety of data transmission and access in the way of cryptography, and guarantees that data can not be usurped on chain using chain structure
Change.
Transaction node: each participant is exactly a transaction node in block chain.One transaction node refers to a tool
There is the participant of unique identities, which has the ability for participating in the maintenance of block chain account book, and it is mutual to pass through network between node
It communicates.
SWIFT (Society for Worldwide Interbank FinancialTelecommunications, ring
Financial Telecommunication association, ball cooperative bank): it is the International Partnership of International Banks within the trade, whole world most countries are most at present
Number bank uses SWIFT system.SWIFT runs world-class financial message network, and bank and other financial institutions pass through it
Text (Message) is exchanged with the same trade to complete financial transaction.In addition to this, SWIFT is also to financial institution's selling software kimonos
Business, the user of wherein most are using SWIFT network.
Reciprocal account (reciprocal account): the allocation of the funds and clearing of interbank should be assisted according to both sides
View, opens reciprocal account.
Agent bank (correspondent bank): refer to and establish current account with bank, other countries, act on behalf of other side
Some business, provide the bank of service for other side.For a bank, agent bank is not attached to this bank actually,
Agent bank's relationship is exactly the settlement relations that country variant interbank is established.
Cross-border remittance is realized at present, SWIFT mode is relied primarily on and is communicated, and remittance house, gathering row need at other side
It is provided with reciprocal account, if not having, needs all to have opened up the agent bank of reciprocal account with both sides by one,
It carries out remittance to transfer accounts, needs multiple agent banks in many cases.In one concrete scene, agency 1 is provided in remittance house
Reciprocal account；The reciprocal account of remittance house and the reciprocal account of agency 2 are provided in agency 1；
The reciprocal account of agency 1, and the reciprocal account of gathering row are provided in agency 2；It is provided in gathering row
The reciprocal account of agency 2.
The detailed process that remittance person remits money to collector in the prior art is as shown in Figure 1, comprising:
Step S101: remittance person submits application for remittance to remittance house, and pays the bill in the account of remittance house to it.
Step S102: remittance house provides receipt to remittance person.
Step S103: remittance house sends money order instruction to agency 1 by SWIFT, and agency 1 refers to money order
Order is sent to agency 2, and money order instruction is sent to gathering row by agency 2.
Step S104: gathering row is received a remittance after notification instruction, confirms receiver information, and it is logical to send confirmation to agency 2
Know, acknowledgement notification is sent to agency 1 by agency 2, and acknowledgement notification is sent to remittance house by agency 1.
Step S105: remittance house deducts money transfer amount from payment person's account, and sends success notification of withholing to agency 1.
Agency 1 receives withhold success notification after, corresponding fund is gone into agency from reciprocal account of the remittance house in agency 1
Reciprocal account of the row 2 in agency 1, and success notification of withholing is sent to agency 2.Agency 2 receives success of withholing
After notice, corresponding fund is gone into phase of the gathering row in agency 2 in the reciprocal account in agency 2 from agency 1
Mutual running account, and success notification of withholing is sent to gathering row.After gathering row receives and withholds success notification, by corresponding fund from generation
Reciprocal account of the reason row 2 in gathering row is gone in collector's account.
Step S106: gathering row notifies remittance success message to collector.
Step S107: gathering row sends remittance success message to agency 2, and agency 2 sends to agency 1 and remits money successfully
Message, agency 1 send remittance success message to remittance house.
So far, this money transfer transactions are completed, and each bank need to carry out the reconciliation of interbank with adjacent Banking Days eventually.
In the prior art, each notification message need to be successively by all banks being related to, and message forwards holding time
It is longer, be easy to appear high latency, and message flow through mechanism it is more in the case where be easy to appear the loss of message or distort.Another party
Face, each bank safeguard the transaction data of itself, and day is eventually and the reconciliation two-by-two of adjacent bank, the complexity of business are higher.
In order to solve above-mentioned the problems of the prior art, the embodiment of the invention provides money transfer method in a kind of block chain,
As shown in Fig. 2, in block chain provided in an embodiment of the present invention money transfer method the following steps are included:
The first transaction node in step 201, block chain receives the application for remittance that transferor is sent, in the application for remittance
Account comprising money transfer amount and beneficiary in N transaction node.
Step 202, first transaction node broadcast money order message to remaining transaction node by block chain, and connect
Receive the confirmation message of remaining transaction node feedback.
Step 203, first transaction node are according to the money transfer amount, by remaining N-1 transaction node to described
The account remittance of beneficiary.
After step 204, first transaction node receive the remittance success notification that the N transaction node is sent, to
It keeps accounts in the money transfer transactions account book of the block chain, so that any transaction node in the block chain is according to the remittance
Account book of trading carries out reconciliation.
It include N number of transaction node in above-mentioned block chain, there are the account of adjacent transaction node in any transaction node, N >=
2。
It in the embodiment of the present invention, is remitted money between bank by setting up block chain, includes N number of friendship in the block chain of foundation
Easy node, the corresponding transaction node of each bank, there are the accounts of adjacent transaction node in any transaction node.In block chain
The first transaction node receive the application for remittance that transferor is sent, comprising money transfer amount and beneficiary in N in application for remittance
Account in transaction node.First transaction node broadcasts money order message to remaining transaction node by block chain, and receives
The confirmation message of remaining transaction node feedback.First transaction node is according to money transfer amount, by remaining N-1 transaction node to receipts
The account remittance of money side.First transaction node is after the remittance success notification for receiving the transmission of N transaction node, to block chain
It keeps accounts in money transfer transactions account book, so that any transaction node in block chain carries out reconciliation according to money transfer transactions account book.This
Sample, the All Activity node in block chain safeguard money transfer transactions account book jointly, i.e., the corresponding bank of each transaction node can be with
The reconciliation of end day is carried out according to money transfer transactions account book, to improve remittance process convenience.And different bank utilizes same remittance
Account book of trading carries out reconciliation, reduces the error rate of interbank reconciliation, reduces the difficulty of interbank reconciliation.
In the embodiment of the present invention, block chain is set up jointly in remittance house, the capable agency with centre of gathering, further, can
Think financial chain (block chain financial union chain).Each bank corresponds to a transaction node in block chain, remittance house and receipts
Money transfer transactions are carried out by block chain between money row and are sent a notification message.
From notification message in the prior art from remittance house successively be forwarded to gathering row it is different, in the embodiment of the present invention, notify
Message is sent in the form broadcasted.First transaction node broadcasts money order to remaining transaction node by block chain and disappears
Breath, and receive the confirmation message of remaining transaction node feedback, comprising:
First transaction node broadcasts money order message into the block chain theme of remaining transaction node；
First transaction node obtains remaining described transaction node from the block chain theme of first transaction node
The confirmation message of feedback.
In specific implementation process, each bank corresponds to a transaction node, and remittance house corresponds to the first transaction node, receives
Money row corresponds to the last one transaction node, and the agency between remittance house and gathering row corresponds to intermediate transaction node.The
It is each to remaining using money order message as an event after the application for remittance for person's transmission that one transaction node receives remittance
It is sent in the theme of transaction node.Remaining each transaction node is received a remittance after notification message, does business verification, school to remittance information
It tests and sends confirmation message into the theme of the first transaction node by rear.First transaction node obtains remaining transaction section from theme
After the confirmation message of point feedback, the operation withholdd.In the embodiment of the present invention, the first transaction node is directly traded to remaining
Node broadcasts notification message, remaining transaction node also directly to the first transaction node feeding back confirmation message, without a piece of news without
It need to be forwarded by multiple mechanisms, to save the transmitting-receiving time of message, avoiding message may go out because of intermediate forwarding process
Existing loss or the problem of be tampered.
Flowing for fund, the embodiment of the present invention are still transferred accounts using reciprocal account.The first transaction section
Point is according to the money transfer amount, by remaining N-1 transaction node to the account remittance of the beneficiary, comprising:
First transaction node deducts the money transfer amount from the account of the transferor, and to adjacent transaction section
The money transfer amount is transferred in the account of point；
First transaction node sends success notification of withholing into the block chain theme of the adjacent transaction node, with
Adjacent transaction node success notification of withholing according to is set to deduct the remittance from the account of first transaction node
The money amount of money, until the N transaction node increases the money transfer amount in the account of the beneficiary.
Specifically, there is other side in two transaction nodes of arbitrary neighborhood into N transaction node in the first transaction node
Reciprocal account.For example, there are the reciprocal account of the second transaction node, the second transaction in the first transaction node
There are the reciprocal accounts ... of the reciprocal account of the first transaction node and third transaction node in node with such
It pushes away, there are the accounts of exchanging visits of the reciprocal account of N-2 transaction node and N transaction node in N-1 transaction node
Family, there are the reciprocal accounts of N-1 transaction node in N transaction node.First transaction node is provided with from transferor
After deducting money transfer amount in account in one transaction node, to exchange visits account of second transaction node in the first transaction node
Corresponding money transfer amount is transferred in family.After being transferred to successfully, the first transaction node sends into the theme of the second transaction node and withholds
Success notification.In this way, the second transaction node just reduces corresponding money transfer amount from the reciprocal account of the first transaction node,
Money transfer amount is transferred in the reciprocal account of third transaction node, and sends and withhold into the theme of third transaction node
Function notice.And so on, until N transaction node is transferred to the account of beneficiary from the reciprocal account of N-1 transaction node
In.After the completion of transferring accounts, N transaction node sends remittance success notification to the first transaction node.It is carried out using reciprocal account
Capital Flow between transaction node, guarantee remittance quickly arrives account.
Further, it after the first transaction node in the block chain receives the application for remittance that transferor is sent, also wraps
It includes:
First transaction node feeds back remittance receipt to the transferor.
In specific implementation process, the application for remittance of the first transaction node receives remittance person, and be successfully connected to remittance person's
After payment, remittance receipt can be provided to remittance person, the foundation of money transfer request is accepted as the first transaction node, that is, remittance house.
It should be noted that can also be without it between the first transaction node and N transaction node in the embodiment of the present invention
Remaining transaction node, i.e., only there are two there was only remittance house and gathering row in transaction node, that is, money transfer transactions in block chain.When
So, there can also be the transaction node of multiple centres in addition to the first transaction node and the last one transaction node in block chain.This hair
The quantity of transaction node is only citing in bright embodiment, with no restrictions.
For a clearer understanding of the present invention, above-mentioned process is described in detail with specific embodiment below.It is specific real
The transaction node for applying example is as shown in Figure 3, wherein remittance person offers remittance account in remittance house, and collector is in gathering row
Collecting account is offered, reciprocal account, domestic clearing bank and clearing bank overseas are mutually opened between remittance house and domestic clearing bank
Between mutually open reciprocal account, overseas mutually open reciprocal account between clearing bank and gathering row, remittance house passes through domestic clear
Row and clearing bank overseas are calculated to gathering row remittance.In order to set up financial chain, remittance house, domestic clearing bank, overseas clearing bank and receipts
Money row creates corresponding message queue (WeEvent as the transaction node on financial chain, deployment WeEvent service
Message), for transmitting message between transaction node.Specific money transfer method, comprising:
Step S301: remittance house receives the application for remittance that remittance person submits.
Step S302: remittance house provides remittance receipt to remittance person.
Step S303: remittance house is respectively to domestic clearing bank (WeEvent message2 message queue), overseas clearing bank
(WeEvent message3 message queue), remittance house (WeEvent message4 message queue) send money order message.
Step S304: after domestic clearing bank, overseas clearing bank, remittance house receive instruction, receiver information is confirmed, to remittance
Information does business verification, then sends confirmation message to remittance house (WeEvent message1 message queue).
Step S305: after receiving confirmation message after remittance house, reducing corresponding money transfer amount from remittance person's account, by remittance gold
Volume is gone in the reciprocal account of domestic clearing bank, then again to domestic clearing bank (WeEvent message2 message queue)
Transmission is withholdd success notification；Domestic clearing bank reduces the corresponding amount of money from the reciprocal account of remittance house, and the amount of money is gone to overseas
In the reciprocal account of clearing bank, then withholdd into again to clearing bank overseas (WeEvent message3 message queue) transmission
Function notice；Overseas clearing bank receives withhold success notification after, reduce the corresponding amount of money from the reciprocal account of domestic clearing bank, will
The amount of money is gone in the reciprocal account of gathering row, is then withholdd to row (WeEvent message4 message queue) transmission of collecting money
Success notification；After gathering row receives and withholds success notification, the corresponding amount of money is reduced from the reciprocal account of clearing bank overseas and is turned
Onto beneficiary account.
Step S306: gathering row sends money order message to collector.
Step S307: gathering row sends remittance success notification to remittance house (WeEvent message1 message queue).
Step S308: remittance house is kept accounts into the money transfer transactions account book of financial chain.Business is completed, when the reconciliation of end day,
Each mechanism in financial chain can obtain transaction data from money transfer transactions account book and carry out reconciliation.
The embodiment of the invention also provides money transfer devices in a kind of block chain, as shown in Figure 4, comprising:
Transmit-Receive Unit 401, for receiving the application for remittance of transferor transmission, in the application for remittance comprising money transfer amount with
And account of the beneficiary in N transaction node；It include N number of transaction node in block chain, there are adjacent in any transaction node
The account of transaction node, N >=2；
The Transmit-Receive Unit 401 is also used to broadcast money order message to remaining transaction node by block chain, and receives
The confirmation message of remaining transaction node feedback；
It remits money unit 402, for according to the money transfer amount, by remaining N-1 transaction node to the beneficiary
Account remittance；
Accounting unit 403, after receiving the remittance success notification that the N transaction node is sent, Xiang Suoshu block
It keeps accounts in the money transfer transactions account book of chain, so that any transaction node in the block chain is according to the money transfer transactions account book
Carry out reconciliation.
Optionally, the remittance unit 402, specifically for deducting the money transfer amount from the account of the transferor,
And the money transfer amount is transferred into the account of adjacent transaction node；
The Transmit-Receive Unit 401 is also used to send success of withholing into the block chain theme of the adjacent transaction node
Notice, so that the adjacent transaction node is withholdd according to, success notification is deducted from the account of first transaction node
The money transfer amount, until the N transaction node increases the money transfer amount in the account of the beneficiary.
Optionally, the Transmit-Receive Unit 401, is also used to:
Money order message is broadcasted into the block chain theme of remaining transaction node；
The confirmation message of remaining transaction node feedback is obtained from the block chain theme of first transaction node.
Optionally, the Transmit-Receive Unit 401, is also used to:
Remittance receipt is fed back to the transferor.
Based on identical principle, the present invention also provides a kind of electronic equipment, as shown in Figure 5, comprising:
Including processor 501, memory 502, transceiver 503, bus interface 504, wherein processor 501, memory 502
It is connect between transceiver 503 by bus interface 504；
The processor 501 executes following method for reading the program in the memory 502:
The application for remittance that transferor is sent is received, is handed over comprising money transfer amount and beneficiary in N in the application for remittance
Account in easy node；It include N number of transaction node in block chain, there are the account of adjacent transaction node, N in any transaction node
≥2；
Money order message is broadcasted to remaining transaction node by block chain, and receives remaining transaction node feedback
Confirmation message；
According to the money transfer amount, by remaining N-1 transaction node to the account remittance of the beneficiary；
After receiving the remittance success notification that the N transaction node is sent, the money transfer transactions account book of Xiang Suoshu block chain
In keep accounts so that any transaction node in the block chain according to the money transfer transactions account book carry out reconciliation.
Optionally, the processor 501, is specifically used for:
The money transfer amount is deducted from the account of the transferor, and institute is transferred into the account of adjacent transaction node
State money transfer amount；
Success notification of withholing is sent into the block chain theme of the adjacent transaction node, so that the adjacent transaction
Node success notification of withholing according to deducts the money transfer amount from the account of first transaction node, until described the
N transaction node increases the money transfer amount in the account of the beneficiary.
Optionally, the processor 501, is specifically used for:
Money order message is broadcasted into the block chain theme of remaining transaction node；
The confirmation message of remaining transaction node feedback is obtained from the block chain theme of first transaction node.
Optionally, the processor 501, is specifically used for:
Remittance receipt is fed back to the transferor.
The present invention be referring to according to the method for the embodiment of the present invention, the process of equipment (system) and computer program product
Figure and/or block diagram describe.It should be understood that every one stream in flowchart and/or the block diagram can be realized by computer program instructions
The combination of process and/or box in journey and/or box and flowchart and/or the block diagram.It can provide these computer programs
Instruct the processor of general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine, so that being generated by the instruction that computer or the processor of other programmable data processing devices execute for real
The device for the function of being specified in present one or more flows of the flowchart and/or one or more blocks of the block diagram.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of device, the command device realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although preferred embodiments of the present invention have been described, it is created once a person skilled in the art knows basic
Property concept, then additional changes and modifications may be made to these embodiments.So it includes excellent that the following claims are intended to be interpreted as
It selects embodiment and falls into all change and modification of the scope of the invention.
Obviously, various changes and modifications can be made to the invention without departing from essence of the invention by those skilled in the art
Mind and range.In this way, if these modifications and changes of the present invention belongs to the range of the claims in the present invention and its equivalent technologies
Within, then the invention is also intended to include including these modification and variations.
Claims (10)
1. money transfer method in a kind of block chain characterized by comprising
The first transaction node in block chain receives the application for remittance that transferor is sent, and includes money transfer amount in the application for remittance
And account of the beneficiary in N transaction node；Include N number of transaction node in the block chain, is deposited in any transaction node
In the account of adjacent transaction node, N >=2；
First transaction node broadcasts money order message to remaining transaction node by block chain, and receives remaining described friendship
The confirmation message of easy node feeding back；
First transaction node is according to the money transfer amount, by remaining N-1 transaction node to the account of the beneficiary
Remittance；
After first transaction node receives the remittance success notification that the N transaction node is sent, Xiang Suoshu block chain
It keeps accounts in money transfer transactions account book, so that any transaction node in the block chain is carried out according to the money transfer transactions account book
Reconciliation.
2. the method as described in claim 1, which is characterized in that first transaction node passes through according to the money transfer amount
Account remittance of remaining N-1 transaction node to the beneficiary, comprising:
First transaction node deducts the money transfer amount from the account of the transferor, and to adjacent transaction node
The money transfer amount is transferred in account；
First transaction node sends success notification of withholing into the block chain theme of the adjacent transaction node, so that institute
It states adjacent transaction node success notification of withholing according to and deducts remittance gold from the account of first transaction node
Volume, until the N transaction node increases the money transfer amount in the account of the beneficiary.
3. the method as described in claim 1, which is characterized in that first transaction node is saved by block chain to remaining transaction
Point broadcast money order message, and receive the confirmation message of remaining transaction node feedback, comprising:
First transaction node broadcasts money order message into the block chain theme of remaining transaction node；
First transaction node obtains remaining transaction node feedback from the block chain theme of first transaction node
Confirmation message.
4. the method as described in claim 1, which is characterized in that the first transaction node in the block chain receives transferor hair
After the application for remittance sent, further includes:
First transaction node feeds back remittance receipt to the transferor.
5. money transfer device in a kind of block chain characterized by comprising
Transmit-Receive Unit includes money transfer amount and gathering in the application for remittance for receiving the application for remittance of transferor transmission
Account in Fang N transaction node；It include N number of transaction node in block chain, there are adjacent transaction sections in any transaction node
The account of point, N >=2；
The Transmit-Receive Unit is also used to broadcast money order message to remaining transaction node by block chain, and receive it is described its
The confirmation message of remaining transaction node feedback；
Remittance unit, for being converged to the account of the beneficiary by remaining N-1 transaction node according to the money transfer amount
Money；
Accounting unit, after receiving the remittance success notification that the N transaction node is sent, the remittance of Xiang Suoshu block chain
It keeps accounts in transaction account book, so that any transaction node in the block chain carries out pair according to the money transfer transactions account book
Account.
6. device as claimed in claim 5, which is characterized in that
The remittance unit, specifically for deducting the money transfer amount from the account of the transferor, and to adjacent transaction
The money transfer amount is transferred in the account of node；
The Transmit-Receive Unit is also used to send success notification of withholing into the block chain theme of the adjacent transaction node, with
Adjacent transaction node success notification of withholing according to is set to deduct the remittance from the account of first transaction node
The money amount of money, until the N transaction node increases the money transfer amount in the account of the beneficiary.
7. device as claimed in claim 5, which is characterized in that the Transmit-Receive Unit is also used to:
Money order message is broadcasted into the block chain theme of remaining transaction node；
The confirmation message of remaining transaction node feedback is obtained from the block chain theme of first transaction node.
8. device as claimed in claim 5, which is characterized in that the Transmit-Receive Unit is also used to:
Remittance receipt is fed back to the transferor.
9. a kind of electronic equipment characterized by comprising
At least one processor；And
The memory being connect at least one described processor communication；Wherein,
The memory is stored with the instruction that can be executed by least one described processor, and described instruction is by described at least one
It manages device to execute, so that at least one described processor is able to carry out any method of claim 1-4.
10. a kind of non-transient computer readable storage medium, which is characterized in that the non-transient computer readable storage medium is deposited
Computer instruction is stored up, the computer instruction is for making the computer perform claim require 1~4 any the method.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910468856.4A CN110163749A (en) | 2019-05-31 | 2019-05-31 | Money transfer method and device in a kind of block chain |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201910468856.4A CN110163749A (en) | 2019-05-31 | 2019-05-31 | Money transfer method and device in a kind of block chain |
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| CN110163749A true CN110163749A (en) | 2019-08-23 |
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|---|---|---|---|
| CN201910468856.4A Pending CN110163749A (en) | 2019-05-31 | 2019-05-31 | Money transfer method and device in a kind of block chain |
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Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112037066A (en) * | 2020-09-03 | 2020-12-04 | 中国银行股份有限公司 | Managed transaction system, managed transaction node and downstream role node |
| CN112053228A (en) * | 2020-09-02 | 2020-12-08 | 中国银行股份有限公司 | Overseas remittance progress tracking method and device based on block chain |
-
2019
- 2019-05-31 CN CN201910468856.4A patent/CN110163749A/en active Pending
Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN112053228A (en) * | 2020-09-02 | 2020-12-08 | 中国银行股份有限公司 | Overseas remittance progress tracking method and device based on block chain |
| CN112053228B (en) * | 2020-09-02 | 2023-09-26 | 中国银行股份有限公司 | Block chain-based method and device for tracking progress of foreign remittance |
| CN112037066A (en) * | 2020-09-03 | 2020-12-04 | 中国银行股份有限公司 | Managed transaction system, managed transaction node and downstream role node |
| CN112037066B (en) * | 2020-09-03 | 2023-09-22 | 中国银行股份有限公司 | Escrow transaction system, escrow transaction node and downstream role node |
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