CN110378682A - The cross-border method of payment of RMB and device based on block chain framework - Google Patents
The cross-border method of payment of RMB and device based on block chain framework Download PDFInfo
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- CN110378682A CN110378682A CN201910588542.8A CN201910588542A CN110378682A CN 110378682 A CN110378682 A CN 110378682A CN 201910588542 A CN201910588542 A CN 201910588542A CN 110378682 A CN110378682 A CN 110378682A
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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Abstract
The present invention provides a kind of cross-border method of payment of RMB and device based on block chain framework, the cross-border payment participant node of RMB constitutes block chain network, block chain network includes: to initiate participant node, the cross-border payment system CIPS node of RMB and reception participant node, wherein, this method comprises: initiating the money transfer request that participant node receives money transfer initiator, a money transfer request block is constructed according to money transfer request, block chain is added in money transfer request block；CIPS node carries out clearance processing according to money transfer request block, according to clearance processing result, constructs a money transfer transactions clearance result block, block chain is added in money transfer transactions clearance result block；It receives participant node and clears result block according to money transfer transactions, pay remittance fund solution to remittance recipient.Above-mentioned technical proposal improves the accuracy and efficiency of the cross-border payment of RMB, ensure that the security reliability and stability of cross-border transaction, greatly advances the development of cross-border business.
Description
Technical field
The present invention relates to cross-border payment processing field, in particular to a kind of cross-border payment of RMB based on block chain framework
Method and device.
Background technique
In recent years, as cross-border RMB business items policy is put into effect in succession, cross-border RMB business range constantly expands,
Business scale rapid growth, the requirement to financial infrastructures such as payment and settlements increasingly improve.To support each stage RMB
The cross-border demand used, on the basis of using for reference international experience, the cross-border payment system of the People's Bank's stand-alone development RMB, into one
Step integrates the cross-border payment and settlement channel of existing RMB and resource, improves cross-border settlement efficiency, meets each main time zone and develops people
The needs of people's coin business, improve the safety and stability of transaction, build the market environment of fair competition.
The cross-border payment system of RMB (Cross-border Interbank Payment System, Phase I,
CIPS functional characteristics): first is that domestic direct participant is connected, the cross-border payment transaction such as processing RMB trade class, investment type,
Meet the needs that cross-border RMB business continues to develop, indirect participant can enjoy system settlement service by direct participant；
Second is that realizing Real Time Gross Settlement function by setting segregated account；Third is that guaranteeing message using current international practice message standard
Compatibility and scalability support message information of the transmission including Chinese, English；Fourth is that meeting main time zone (sub-, non-, Europe)
RMB settles accounts demand；Five are to provide dedicated network access way.
In the complete process of CIPS business, domestic straight ginseng it is capable between straight ginseng row can by CIPS dedicated network, make
The transmitting of trading instruction is completed with the dedicated message standard of CIPS, but domestic straight ginseng row is gone with straight ginseng overseas, joins row between external
Between, rely primarily on SWIFT network and SWIFT message standard still to complete the transmitting of trading instruction, that is to say, that whole in CIPS
Complete process end to end is not accomplished on a business chain.In particular embody are as follows:
General remittance refers to that bank receives client or financial institution's application for remittance and issues money order, directly or by generation
Reason is about to fund and is transferred to row of collecting money, and gathering row pays fund solution to payee according to the requirement of money order.In client's remittance
At least one party is not financial institution in remitter and payee.In CIPS business, between client refers to that promoter, agency refer to
Participant, direct participant or other banks are met, gathering row refers to the bank of deposit of recipient, can be reception and directly participates in
Person receives indirect participant or other banks.
Each direct participant passes through the fund account progress business processing opened in CIPS, and CIPS mainly handles cross-border branch
Pay instruction.The money transfer transactions process that typical client is initiated by indirect participant is as shown in Figure 1.
Direct participant is domestic in Fig. 1, and indirect participant, money transfer initiator, remittance recipient can be in domestic or borders
Outside.By taking client's money transfer transactions of two indirect participants as an example, operation flow is as follows:
1. application for remittance is submitted to and initiates indirect participant by money transfer initiator.
2. initiating indirect participant sends payment instruction to direct participant A.
3. the client for meeting CIPS payment instruction format remittance message is issued CIPS by direct participant A.
4. after CIPS is received, carrying out message format inspection, necessary service observation (inspection containing digital signature) and weight account inspection
It looks into, by rear, the direct participant A fund account of debit, the direct participant B fund account of credit.
At this point, accounting entry are as follows:
It borrows: debt class subject --- fund account (direct participant A)；
It borrows: debt class subject --- fund account (direct participant B).
If this business has been cleared, CIPS will be notified with payment processing confirmation message to direct participant A.
If this business is included in queuing, CIPS will notify direct participant A with payment processing confirmation message.
If direct participant A does not receive the payment processing confirmation message of CIPS return, direct participant A can be sent out to CIPS
Service condition inquiry application message is sent to be inquired.
If this business is not settled accounts yet when CIPS business is ended, CIPS retracts business, and notifies direct participant
A。
5. after capital settlement, client's remittance message is sent to direct participant B by CIPS.
6. direct participant B sends payment instruction to indirect participant is received.
Fund solution is paid to remittance recipient 7. receiving indirect participant.
CIPS does not set reexchange service message or type, and the process of reexchanging of client's remittance can refer to above-mentioned process.
The disadvantages of this solution includes the following aspects:
1) CIPS of bank's access overseas still has difficulty, causes the development of the cross-border business of RMB limited:
Overseas bank accesses CIPS at present, and there are mainly two types of modes:
Overseas institution completes the transmitting of trading instruction by SWIFT network and SWIFT message standard, and this mode needs
Message conversion, individual messages rely on artificial conversion, costly, low efficiency.
The local and overseas financial institutions of financial private line access are built, this mode usually requires government's examination & approval overseas, and the period is long, takes
With height.
2) transaction accuracy rate is low:
When remittance is initiated, CIPS transfer is needed, but CIPS does not have the information of bank client, not can confirm that receiver information
Whether (bank account, bank account name) be correct, if information is wrong, remittance can also succeed.Gathering row is usually required to initiate instead
Xiang Chongzheng process.
3) remittance link is long, causes trading efficiency low:
Cross-border business may relate to multiple banks overseas, and each financial institution serially examines remittance, and remittance information is stored in remittance
Each node in money path, information can not be shared, while efficiency is also low.
In view of the above-mentioned problems, currently no effective solution has been proposed.
Summary of the invention
Case study on implementation of the present invention provides a kind of cross-border method of payment of RMB based on block chain framework, to improve people
The accuracy and efficiency of the cross-border payment of people's coin guarantees the security reliability and stability of cross-border transaction, promotes the cross-border industry of RMB
The development of business, the cross-border payment participant node of RMB constitute block chain network, and block chain network includes: to initiate participant section
The cross-border payment system CIPS node of point, RMB and reception participant node；This method comprises:
The money transfer request that participant node receives money transfer initiator is initiated, a money transfer request area is constructed according to money transfer request
Block chain is added in the money transfer request block by block；
The cross-border payment system CIPS node of RMB carries out clearance processing, according to clearance according to the money transfer request block
Processing result, constructs a money transfer transactions clearance result block, and block chain is added in money transfer transactions clearance result block；
It receives participant node and clears result block according to the money transfer transactions, pay remittance fund solution to remittance and receive
People.
Case study on implementation of the present invention provides a kind of cross-border payment mechanism of RMB based on block chain framework, to improve people
The accuracy and efficiency of the cross-border payment of people's coin guarantees the security reliability and stability of cross-border transaction, promotes the cross-border industry of RMB
The development of business, the cross-border payment participant node of RMB constitute block chain network, and block chain network includes: to initiate participant section
The cross-border payment system CIPS node of point, RMB and reception participant node；Wherein:
Participant node is initiated, for receiving the money transfer request of money transfer initiator, a remittance is constructed according to money transfer request
Block is requested, block chain is added in the money transfer request block；
The cross-border payment system CIPS node of RMB, for carrying out clearance processing according to the money transfer request block, according to
Processing result is cleared, a money transfer transactions clearance result block is constructed, block is added in money transfer transactions clearance result block
Chain；
Participant node is received, for clearing result block according to the money transfer transactions, pays remittance fund solution to remittance
Recipient.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor are realized above-mentioned based on block when executing the computer program
The cross-border method of payment of the RMB of chain framework.
The embodiment of the invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage
There is the computer program for executing the above-mentioned cross-border method of payment of RMB based on block chain framework.
The cross-border payment participant node of RMB constitutes block chain node, area in technical solution provided in an embodiment of the present invention
Block chain node includes: to initiate participant node, the cross-border payment system CIPS node of RMB and reception participant node；Wherein:
The money transfer request that participant node receives money transfer initiator is initiated, a money transfer request block is constructed according to money transfer request, will be converged
Money requests block that block chain is added；CIPS node carries out clearance processing according to money transfer request block, according to clearance processing result,
A money transfer transactions clearance result block is constructed, block chain is added in money transfer transactions clearance result block；Receive participant node
Result block is cleared according to money transfer transactions, pays remittance fund solution to remittance recipient, implementation with this solution realizes:
(1) extend payment network to overseas.SWIFT network or external financial special line are eliminated the reliance on, realizes that the end CIPS is arrived
That holds is autonomous controllable.
(2) money transfer transactions treatment effeciency is promoted.It is assisted in many ways by being realized the characteristics of block chain data transparency, real-time sharing
Make, reduce serial processing steps, treatment effeciency is substantially improved, reduces fund in the way time.
(3) polycentric distributed system is constructed.Block chain serves not only as the carrier of information transmitting, and can be used as power
The shared account book of prestige, remittance data is distributed to be stored on block chain network node, is improved the storage safety of data, is avoided
Remittance information caused by the reasons such as folk prescription systemic breakdown, storage damage is lost.
(4) remittance information is credible.By block chain technology can not tamper, guarantee remittance information can not artificially distort,
Guarantee the true and reliable of remittance.The data that each financial institution's participant is subject on block chain, it is no longer necessary to which cumbersome is mutual right
Account.
(5) money transfer process is safe and reliable.The status information of money transfer process is consistent on each block chain network node, and
Intermediate conveyor link is reduced, realizes the symmetrical of each participant's information.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and efficiency of the cross-border payment of RMB, protects
The security reliability and stability for having demonstrate,proved cross-border transaction, greatly advance the development of the cross-border business of RMB.
Detailed description of the invention
In order to more clearly explain the embodiment of the invention or the technical proposal in the existing technology, 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
Some embodiments of invention for those of ordinary skill in the art without creative efforts, can be with
It obtains other drawings based on these drawings.
Fig. 1 is the application scenarios schematic diagram of the cross-border method of payment of RMB in the prior art；
Fig. 2 is the application scenarios and the prior art of the cross-border payment of RMB in the embodiment of the present invention based on block chain framework
The application scenarios contrast schematic diagram of the middle cross-border method of payment of RMB；
Fig. 3 is the flow diagram of the cross-border method of payment of RMB in the embodiment of the present invention based on block chain framework；
Fig. 4 is the cross-border payment application scenarios of RMB and existing skill based on block chain framework in another embodiment of the present invention
The application scenarios contrast schematic diagram of the cross-border method of payment of RMB in art；
Fig. 5 is that successfully flow diagram is cleared in the cross-border payment of the RMB based on block chain framework in the embodiment of the present invention；
Fig. 6 is the process signal of the cross-border payment clearance failure of the RMB based on block chain framework in the embodiment of the present invention
Figure；
Fig. 7 is that the process of the cross-border payment clearance failure of the RMB based on block chain framework in another embodiment of the present invention is shown
It is intended to；
Fig. 8 is the schematic diagram of the system architecture of the cross-border payment of RMB in the embodiment of the present invention based on block chain framework；
Fig. 9 is the signal of the system layer framework of the cross-border payment of RMB in the embodiment of the present invention based on block chain framework
Figure；
Figure 10 is showing for the network deployment framework of the cross-border payment of RMB in the embodiment of the present invention based on block chain framework
It is intended to；
Figure 11 is the structural schematic diagram of the cross-border payment mechanism of RMB in the embodiment of the present invention based on block chain framework.
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 the described embodiment is only a part of the embodiment of the present invention, instead of all the embodiments.Based on this
Embodiment in invention, every other reality obtained by those of ordinary skill in the art without making creative efforts
Example is applied, shall fall within the protection scope of the present invention.
Before introducing the embodiment of the present invention, first to the present embodiments relate to professional term be introduced.
(1) the cross-border payment system of RMB (Cross-border Interbank Payment System, Phase I,
Hereinafter referred to as CIPS): the cross-border payment system of RMB is for the cross-border branch of RMB of the directly participant such as local and overseas banking institution
Pay business provide with funds clearing service system.CIPS supports the cross-border demand used of each stage RMB, including RMB
Cross-border trade settlement, the cross-border money-capital clearing in financial market etc..By with large-amount payment system (hereinafter referred to as HVPS), debt
The connection of certificate settlement system etc., CIPS can provide cross-border payment and settlement service across time zone for participant.
(2) direct participant: direct participant, which refers to, opens fund account in CIPS, possesses CIPS line number, passes through CIPS
Handle the domestic banking institution of the cross-border payment transaction of RMB.In the row of direct participant operation system or dedicated front-end system with
CIPS connection sends and receives instruction by CIPS, and instruction is transmitted by dedicated network or universal network.
(3) indirect participant: indirect participant, which refers to, does not open fund account in CIPS, possesses CIPS line number, it is necessary to entrust
Direct participant is ask to handle local and overseas banking institution of the cross-border payment transaction of RMB etc..Indirect participant passes through direct participant
Instruction is sent and received to CIPS.
(4) promoter: promoter refers to the initial initiation focal pointe of payment transaction or information service.
(5) recipient: recipient refers to the focal pointe for finally receiving payment transaction or information service.
When it is implemented, initiating participant node in present example may include direct participant (straight ginseng row, core ginseng
With person) and indirect participant (ginseng row, common participant), receiving participant node also may include direct participant (straight ginseng
Row, core participant) and indirect participant (ginseng row, common participant).
Since inventor has found: existing for cross-border payment (RMB and foreign currency), information of remitting money is from remittance house to gathering
Row in the process after oneself the complete transaction and account of each bank's serial process, is just sent to the scheme of next bank's processing
, it is therefore proposed that a kind of cross-border payment scheme of RMB based on block chain framework.After introducing block chain,
Due to the interconnectivity and sharing of block chain account book, cross-border each participation row of payment can see money transfer request information simultaneously, as shown in Figure 2.
All participation rows (each block chain node) of cross-border payment are participated in, can be judged certainly according to the clearance relationship of upstream and downstream bank
Oneself could trade and accounting processing.
It describes in detail below to the cross-border payment scheme of RMB based on block chain framework as follows.
As shown in Figure 2 and Figure 4, the cross-border payment participant node of RMB constitutes block chain network, and block chain network includes:
It initiates participant node, the cross-border payment system CIPS node of RMB and receives participant node；Fig. 3 is in the embodiment of the present invention
The flow diagram of the cross-border method of payment of RMB based on block chain framework, as shown in figure 3, this method comprises the following steps:
Step 101: initiating the money transfer request that participant node receives money transfer initiator, a remittance is constructed according to money transfer request
Money requests block, and block chain is added in money transfer request block；
Step 102: the cross-border payment system CIPS node of RMB carries out clearance processing according to money transfer request block, according to
Processing result is cleared, a money transfer transactions clearance result block is constructed, block chain is added in money transfer transactions clearance result block；
Step 103: receiving participant node according to money transfer transactions and clear result block, pay remittance fund solution to remittance and connect
Receive people.
RMB cross-border method of payment provided in an embodiment of the present invention based on block chain framework, when work:
Firstly, as shown in Figures 2 to 7, money transfer initiator is initiating participant node (remittance house (ginseng row, straight ginseng row))
The money transfer request for receiving money transfer initiator constructs a money transfer request block according to money transfer request, by the money transfer request block
Block chain is added, at this point, the cross-border payment participant node of RMB on chain recognizes there is such a money transfer request.
Secondly, CIPS node carries out clearance processing according to the money transfer request block, according to clearance processing result, building one
A money transfer transactions clear result block, block chain are added in money transfer transactions clearance result block, at this point, the RMB on chain
Cross-border payment participant node, which is recognized, such a money transfer transactions clearance result block, i.e. money transfer transactions in the block
Clearance result information is broadcast on chain.
Then, it receives participant node and clears result block according to money transfer transactions, pay remittance fund solution to remittance and receive
People, at this point, the cross-border payment participant node of RMB on chain recognizes the message that the remittance is completed.
Compared with prior art, the implementation of the technical solution provided through the embodiment of the present invention, realizes:
(1) extend payment network to overseas.SWIFT network or external financial special line are eliminated the reliance on, realizes that the end CIPS is arrived
That holds is autonomous controllable.
(2) money transfer transactions treatment effeciency is promoted.It is assisted in many ways by being realized the characteristics of block chain data transparency, real-time sharing
Make, reduce serial processing steps, treatment effeciency is substantially improved, reduces fund in the way time.
(3) polycentric distributed system is constructed.Block chain serves not only as the carrier of information transmitting, and can be used as power
The shared account book of prestige, remittance data is distributed to be stored on block chain network node, is improved the storage safety of data, is avoided
Remittance information caused by the reasons such as folk prescription systemic breakdown, storage damage is lost.
(4) remittance information is credible.By block chain technology can not tamper, guarantee remittance information can not artificially distort,
Guarantee the true and reliable of remittance.The data that each financial institution's participant is subject on block chain, it is no longer necessary to which cumbersome is mutual right
Account.
(5) money transfer process is safe and reliable.The status information of money transfer process is consistent on each block chain network node, and
Intermediate conveyor link is reduced, realizes the symmetrical of each participant's information.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and efficiency of the cross-border payment of RMB, protects
The security reliability and stability for having demonstrate,proved cross-border transaction, greatly advance the development of the cross-border business of RMB.
When it is implemented, the cross-border payment scheme based on block chain framework that the present invention implements offer can also be applied to outer
The cross-border payment of coin.In addition, money transfer request not only includes common money transfer transactions, it can also include any such as barcode scanning payment
The payment request of form.CIPS node can be CIPS operator of the Fig. 5 into Fig. 7, and initiating participant node can be Fig. 5
Remittance house into Fig. 7 can be remittance house (ginseng row), remittance house account row (straight ginseng row) in Fig. 2 and Fig. 4.Receive ginseng
It can be gathering row of the Fig. 5 into Fig. 7 with square node, can be the gathering row (ginseng row) in Fig. 2 and Fig. 4.
The each preferred embodiment being related to below to offer of embodiment of the present invention scheme describes in detail as follows.
One, money transfer request information is audited firstly, introducing each participant node in advance, improves payment efficiency and accuracy rate,
And then improve the scheme of user satisfaction.
In one embodiment, above-mentioned block chain node can also include clearing bank's node；People based on block chain framework
The cross-border method of payment of people's coin can also include:
Clearing bank's node carries out pre- audit processing according to money transfer request block, to money transfer request, according to pre- audit processing knot
Fruit constructs one first pre- audit fruiting area block, and block chain is added in the described first pre- audit fruiting area block；
Participant node is received according to money transfer request block, pre- audit processing is carried out to money transfer request, at pre- audit
As a result, building one second pre- audit fruiting area block block chain is added in described second pre- audit fruiting area block by reason；
The cross-border payment system CIPS node of RMB carries out clearance processing, according to clearance according to the money transfer request block
Processing result, constructs a money transfer transactions clearance result block, and block chain is added in money transfer transactions clearance result block, can
To include:
CIPS node audits fruiting area block according to the money transfer request block, the first pre- audit fruiting area block and second in advance,
Clearance processing is carried out, according to clearance processing result, a money transfer transactions clearance result block is constructed, the money transfer transactions is cleared
As a result block chain is added in block.
When it is implemented, block chain intelligence contract (can be specifically presented as provided in an embodiment of the present invention based on block chain
The cross-border method of payment of the RMB of framework) it is the program code segments for having public credibility, it can just and all participating banks interaction.
Remittance house selects remittance path when issuing money transfer request, transmits request information to all participation rows in path (in fact
It is a record in block chain, but the bank in path just has permission read-write).
As shown in Figure 5 " clearance/gathering confirmation ", all any one participation rows participated in row are based on current row and transfer accounts remittance
Situation carries out pre- audit processing to money transfer request, and pre- audit processing can specifically include: judgement transaction feasibility, and according to can
Whether market condition freezes customer account money transfer amount or up and down the clearance fund of parade storage, tell intelligent contract current row same
Anticipating, this remits money, such as: clearing bank's node (clearing bank of the Fig. 5 into Fig. 7) carries out pre- audit processing to money transfer request, according to pre-
Processing result is audited, one first pre- audit fruiting area block is constructed, block chain is added in the described first pre- audit fruiting area block, the
Result in one pre- audit fruiting area block can be " clearance confirmation is agreed to " (as shown in Figure 5), then for example receive participant node
According to money transfer request block, pre- audit processing is carried out to money transfer request, according to pre- audit processing result, constructs second preliminary hearing
Block chain is added in described second pre- audit fruiting area block by core result block, and the result in the second pre- audit fruiting area block can
To be " gathering confirmation (agreement) " as shown in Figure 5, it is also possible to " gathering confirmation (refusal) " as shown in FIG. 6.
Intelligent contract collects all participations row whether after the information of feasibility, if all rows are all agreed to remit money, such as Fig. 5 institute
Show, clearing bank, gathering row confirmation agree to, then send agree to process instruction go to all participation, CIPS clearance result notice at
Function；If any participation row disagrees, then this remittance of " collecting money shown in gathering row as shown in FIG. 6 and confirm (refusal) "
It cannot succeed, send refusal money order and go to all participations.In addition to clearing bank and the pre- audit for receiving participant node are true
Recognize, can also include the pre- review process of CIPS node, be detailed in the introduction of following example.
Block connects in cross-border Payment System Design, and each row that participates in experienced two stages: first stage in money transfer process
It is remittance feasibility judgement, and freezes charged amount；Second stage is instructed according to intelligent contract, after defrosting charged amount, book keeping operation.
CIPS manages each bank's storage fund as liquidation organization.During clearance, if freezing the amount of money of clearing account,
It will affect clearance efficiency；If not freezing amount of settlement, it is likely to result in intelligent contract and contracts successfully, and CIPS can not be cleared,
Cause liquidation center and each bank's account inconsistent.
For this purpose, connecting in cross-border Payment in block, a solution, as shown in Figure 4 and Fig. 5-Fig. 7 institute are proposed
Show.If CIPS is sign-out (out of service), refuse money transfer transactions；Meanwhile as shown in Figures 5 to 7, the row first stage is respectively participated in
After judgement remittance is feasible, intelligent contract notice CIPS clearance book keeping operation；After CIPS keeps accounts successfully, feed back to the book keeping operation of intelligent contract at
Function；Intelligent contract reinforms each book keeping operation function of participating in row and submit second stage.CIPS receives each ginseng from block chain network
After successfully instructing with person's signing result, if initiating directly to participate in the existing queuing service of mechanism, or the fund account of row is initiated
Sorry, your ticket has not enough value to pay this business, and CIPS carries out queuing processing, and feeds back block chain network queueing condition；CIPS is also to remittance
The remittance information in block is requested to carry out the pre- audits such as format, if payment message format mistake or participant's row name are wrong,
CIPS abandons the service message, and feeds back the payment of block chain network business and be dropped that (these situations also can lead in Fig. 7
In " CIPS clears result book keeping operation " column " clearance failure ").
When it is implemented, such clearing form solves CIPS clearance efficiency.Therefore, provided in an embodiment of the present invention
Above-mentioned preliminary hearing nuclear technology scheme, remittance clearance are accurate and reliable.After each financial institution in remittance path examines in advance, CIPS is opened again
Begin inter-agency fund clearing, reduces because remitting money in vain caused by user's typing mistake, and fund is reduced in the way time, reduces mistake
Account rate improves user satisfaction.
Two, cross-border payment information secret protection is realized secondly, introducing, improve the scheme of payment safety.
It in one embodiment, may include remittance letter in the money transfer request block and money transfer transactions clearance result block
Breath；Default transaction data in the remittance information can be encrypted by symmetric encipherment algorithm, and by symmetric encipherment algorithm
Key CIPS node, initiate participant node, receive participant node public key encrypt respectively after, be stored in transaction data
In；
The cross-border payment system CIPS node of RMB carries out clearance processing, according to clearance according to the money transfer request block
Processing result, constructs a money transfer transactions clearance result block, and block chain is added in money transfer transactions clearance result block, can
To include:
CIPS node decrypts default number of deals from the remittance information of the money transfer request block according to this node private key
According to rear, clearance processing is carried out, according to clearance processing result, a money transfer transactions clearance result block is constructed, by the remittance industry
Block chain is added in business clearance result block；
It receives participant node and clears result block according to the money transfer transactions, pay remittance fund solution to remittance and receive
People may include:
Participant node is received according to this node private key, is solved from the remittance information of money transfer transactions clearance result block
After close transaction data default out, remittance fund solution is paid to remittance recipient.
When it is implemented, the data in block chain, the complete transparent storage of chain, data are consistent, to guarantee to only have in remittance path
Bank can see remittance information, the scheme that the present embodiment uses symmetric cryptography/asymmetric encryption to be combined is sensitive to transaction
Data (default transaction data) are encrypted.The remittance information that irrelevant row is seen is ciphertext.Bank in remittance path can be with
Transaction content is decrypted with respective private key.
The scheme of secret protection has the beneficial effect that remittance information has preservation in each node of block chain network, passes through spy
Fixed Encryption Algorithm guarantees the available remittance information of associated financial institution for there was only in remittance path, irrelevant side's remittance letter
Breath is therefore ciphertext encrypts cross-border payment information in block chain technical foundation, realizes that cross-border payment information privacy is protected
Shield, improves the safety of payment.
Three, it then, introduces and realizes cross-border payment remittance status inquiry, improve the scheme of user satisfaction.
In one embodiment, the cross-border method of payment of RMB based on block chain framework can also include:
The money transfer transactions status query request that participant node receives money transfer initiator is initiated, is looked into according to money transfer transactions state
Request is ask, obtains status inquiry from block chain as a result, output state query result is to money transfer initiator.
When it is implemented, by the scheme of above-mentioned status inquiry, realizes and obtain entire remittance path information and current
Remittance state improves the satisfaction of user.
When it is implemented, can be by the forms output state query result such as short message or mail to money transfer initiator.
How to implement for a better understanding of the present invention, below to the people based on block chain framework of the embodiment of the present invention
The cross-border system architecture diagram of coin (Fig. 8), system layer framework (Fig. 9) and network deployment framework (Figure 10) are introduced.
When it is implemented, the present invention is based on the Internetbanks that enterprise-level block chain Open Source Platform hyperledger fabric is built
The system architecture of inter-bank signing block chain application is as shown in Figure 8, in which: CIPS operator: deployment Kafka/zookeeper collection
Group, Orderer node, Peer node and CA node；Core participant: deployment Peer node, Orderer node and CA node；
Common to participate in row: deployment Peer node, sequence service node are connected to the Orderer node of clearance head center.
When it is implemented, the system layer framework of the cross-border payment of RMB based on block chain framework is shown in Figure 9.
When it is implemented, the network deployment framework of the cross-border payment of RMB based on block chain framework is shown in Figure 10.
All common nodes of block chain network, are deployed in the area each participant DMZ, open white list by VPN and interior firewall to award
Power access mutually.A kafka cluster (being deployed in CIPS) is built, core participant is distributed to build an orderer group
2 or more peer build in loom structure and peer organization, each mechanism.Common participant builds 2 or more peer, with core
The peer for participating in mechanism constitutes a peer organization.
How to implement to facilitate the understanding of the present invention, intelligent contract mentioned above is introduced again below.Block chain
Intelligent contract is the program code segments for having public credibility, can just and all participating banks interaction.The code of intelligent contract exists
Each participant after the approval, is deployed in node of each participant on block chain respectively.When block platform chain is run, interface journey
Sequence passes through the shared account book that intelligent contract accesses bottom.Interface routine initiates to update the request of shared account book, it is necessary first to judge
The endorsement strategy for whether meeting intelligent contract, common recognition of concluding the transaction after are broadcast to each participation node by sorting module.Respectively
Node passes through the MVC inspection that intelligent contract carries out database again, passes through rear update and shares account book.
Introduction through the foregoing embodiment, the present invention realize the intelligent contract including following three types:
1), application for remittance handles intelligent contract: collect in remittance path associated bank to remittance whether the information of feasibility
Afterwards, it if associated bank all agrees to the remittance, sends and agrees to that money order participates in row to correlation；If an at least bank
It disagrees, then this application for remittance cannot succeed, and send remittance failure command to correlation and participate in row.
2), clearance handles intelligent contract: after the associated bank on remittance path agrees to remittance, intelligent contract calls CIPS
Interface carries out fund clearing.If cleared successfully, sends to clear successfully to instruct and give correlation participation row.If clearance failure,
It sends clearance failure command and participates in row to correlation, remittance unsuccessfully terminates.
3), cross-border remittance inquires intelligent contract: inquiring the available remittance information of intelligent contract, obtains entire remittance path
Information and current remittance state.
To sum up, technical solution provided in an embodiment of the present invention mainly realizes the content of the following aspects:
1), the cross-border payment network of application block chain technique extension；
2), application block chain technology carries out cross-border payment and clearing operation process；
3), the coexisting of block chain network and existing cross-border payment network, combination and supplement；
4), in block chain technical foundation, cross-border payment information is encrypted, realizes cross-border payment information secret protection
Demand；
5), by the Distributed sharing account book technical characterstic of block chain, the shared of cross-border payment transaction information is realized；
6), by the data of block chain can not tamper technical characterstic, realize cross-border payment transaction information authenticity and
Reliability.
Based on the same inventive concept, it is cross-border that a kind of RMB based on block chain framework is additionally provided in the embodiment of the present invention
Payment mechanism, as described in the following examples.It is solved the problems, such as due to the cross-border payment mechanism of RMB based on block chain framework
Principle is similar to the cross-border method of payment of RMB based on block chain framework, therefore the cross-border branch of RMB based on block chain framework
The implementation for paying device may refer to the implementation of the cross-border method of payment of RMB based on block chain framework, and it is no longer superfluous to repeat place
It states.Used below, the combination of the software and/or hardware of predetermined function may be implemented in term " unit " or " module ".To the greatest extent
Device described in pipe following embodiment is preferably realized with software, but the combined reality of hardware or software and hardware
Now and may and it be contemplated.
Figure 11 is the structural schematic diagram of the cross-border payment mechanism of RMB in the embodiment of the present invention based on block chain framework, such as
Shown in Figure 11, the cross-border payment participant node of RMB constitutes block chain network in the device, and the block chain network includes: hair
It plays participant node 02, the cross-border payment system CIPS node 04 of RMB and receives participant node 06；Wherein:
Participant node 02 is initiated, for receiving the money transfer request of money transfer initiator, a remittance is constructed according to money transfer request
Money requests block, and block chain is added in the money transfer request block；
The cross-border payment system CIPS node 04 of RMB, for carrying out clearance processing, root according to the money transfer request block
According to clearance processing result, a money transfer transactions clearance result block is constructed, area is added in money transfer transactions clearance result block
Block chain；
Participant node 06 is received, for clearing result block according to the money transfer transactions, pays remittance fund solution to remittance
Money recipient.
In one embodiment, the block chain node can also include:
Clearing bank's node, for pre- audit processing being carried out to money transfer request, at pre- audit according to money transfer request block
As a result, building one first pre- audit fruiting area block block chain is added in described first pre- audit fruiting area block by reason；
The reception participant node can be also used for carrying out at pre- audit money transfer request according to money transfer request block
Reason constructs one second pre- audit fruiting area block according to pre- audit processing result, and the described second pre- audit fruiting area block is added
Block chain；
CIPS node specifically can be used for according to the money transfer request block, the first pre- audit fruiting area block and the second preliminary hearing
Core result block, carries out clearance processing, according to clearance processing result, constructs a money transfer transactions clearance result block, will be described
Money transfer transactions clear result block and block chain are added.
In one embodiment, the money transfer transactions state that initiation participant node can be also used for receiving money transfer initiator is looked into
Request is ask, according to money transfer transactions status query request, status inquiry is obtained from block chain as a result, output state query result is given
Money transfer initiator
It in one embodiment, include remittance information in the money transfer request block and money transfer transactions clearance result block；
Default transaction data in the remittance information is encrypted by symmetric encipherment algorithm, and the key of symmetric encipherment algorithm is used
CIPS node is initiated participant node and is stored in transaction data after the public key of reception participant node encrypts respectively；
CIPS node specifically can be used for being decrypted from the remittance information of the money transfer request block according to this node private key
After presetting transaction data out, clearance processing is carried out, according to clearance processing result, constructs a money transfer transactions clearance result block,
Block chain is added in money transfer transactions clearance result block；
Receiving participant node specifically can be used for receiving participant node according to this node private key, from the money transfer transactions
It clears after decrypting default transaction data in the remittance information of result block, pays remittance fund solution to remittance recipient.
The embodiment of the invention also provides a kind of computer equipments, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, the processor are realized above-mentioned based on block when executing the computer program
The cross-border method of payment of the RMB of chain framework.
The embodiment of the invention also provides a kind of computer readable storage medium, the computer-readable recording medium storage
There is the computer program for executing the above-mentioned cross-border method of payment of RMB based on block chain framework.
The advantageous effects that technical solution provided in an embodiment of the present invention reaches are:
1) information storage security is reliable: remittance data each node in block chain has preservation, it is therefore prevented that remittance data
Node in each remittance path stores respectively, and caused remittance data information may lose and inconsistence problems.It is each to participate in
Block chain data are subject in financial institution, so not needing cumbersome reconciliation operation.
2) prevent from distorting: remittance data stores in many ways, modification remittance information, the data for node of remitting money if single side does evil
The information that will be saved with other participants is inconsistent.System is effectively prevented from such case according to the information of most nodes.
3) it improves cross-border remittance efficiency: being assisted by realizing to contract in many ways the characteristics of block chain data transparency, real-time sharing
Make, reduce serial processing steps, treatment effeciency is substantially improved.Clearance remittance is negotiated successfully in each participation mechanism (participant node)
Fund clearing book keeping operation is just carried out afterwards, and fund is reduced in the way time, reduces wrong account rate.
To sum up, technical solution provided in an embodiment of the present invention improves the accuracy and efficiency of the cross-border payment of RMB, protects
The security reliability and stability for having demonstrate,proved cross-border transaction, greatly advance the development of cross-border business.
It should be understood by those skilled in the art that, the embodiment of the present invention can provide as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the present invention
Apply the form of example.Moreover, it wherein includes the computer of computer usable program code that the present invention, which can be used in one or more,
The computer program implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.) produces
The form of product.
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.
The foregoing is only a preferred embodiment of the present invention, is not intended to restrict the invention, for the skill of this field
For art personnel, the embodiment of the present invention can have various modifications and variations.All within the spirits and principles of the present invention, made
Any modification, equivalent substitution, improvement and etc. should all be included in the protection scope of the present invention.
Claims (10)
1. a kind of cross-border method of payment of RMB based on block chain framework, which is characterized in that the cross-border payment participant of RMB
Node constitutes block chain network, and the block chain network includes: to initiate the cross-border payment system CIPS section of participant node, RMB
Point and reception participant node；The cross-border method of payment of RMB based on block chain framework includes:
The money transfer request that participant node receives money transfer initiator is initiated, a money transfer request block is constructed according to money transfer request,
Block chain is added in the money transfer request block；
The cross-border payment system CIPS node of RMB carries out clearance processing, is handled according to clearance according to the money transfer request block
As a result, one money transfer transactions of building clear result block, block chain is added in money transfer transactions clearance result block；
It receives participant node and clears result block according to the money transfer transactions, pay remittance fund solution to remittance recipient.
2. as described in claim 1 based on the cross-border method of payment of RMB of block chain framework, which is characterized in that the block
Chain node further includes clearing bank's node；The cross-border method of payment of RMB based on block chain framework further include:
Clearing bank's node carries out pre- audit processing according to money transfer request block, to money transfer request, according to pre- audit processing result, structure
One first pre- audit fruiting area block is built, block chain is added in the described first pre- audit fruiting area block；
Participant node is received according to money transfer request block, pre- audit processing is carried out to money transfer request, according to pre- audit processing knot
Fruit constructs one second pre- audit fruiting area block, and block chain is added in the described second pre- audit fruiting area block；
The cross-border payment system CIPS node of RMB carries out clearance processing, is handled according to clearance according to the money transfer request block
As a result, one money transfer transactions of building clear result block, block chain is added in money transfer transactions clearance result block, comprising:
CIPS node is carried out according to the money transfer request block, the first pre- audit fruiting area block and the second pre- audit fruiting area block
Clearance processing constructs a money transfer transactions clearance result block, the money transfer transactions is cleared result according to clearance processing result
Block chain is added in block.
3. as described in claim 1 based on the cross-border method of payment of RMB of block chain framework, which is characterized in that further include:
The money transfer transactions status query request that participant node receives money transfer initiator is initiated, is asked according to money transfer transactions status inquiry
It asks, obtains status inquiry from block chain as a result, output state query result is to money transfer initiator.
4. as described in claim 1 based on the cross-border method of payment of RMB of block chain framework, which is characterized in that the remittance
It requests in block and money transfer transactions clearance result block to include remittance information；Default transaction data in the remittance information passes through
Symmetric encipherment algorithm is encrypted, and by the key of symmetric encipherment algorithm CIPS node, is initiated participant node, received and participate in
After the public key of Fang Jiedian encrypts respectively, it is stored in transaction data；
The cross-border payment system CIPS node of RMB carries out clearance processing, is handled according to clearance according to the money transfer request block
As a result, one money transfer transactions of building clear result block, block chain is added in money transfer transactions clearance result block, comprising:
CIPS node decrypts default transaction data from the remittance information of the money transfer request block according to this node private key
Afterwards, clearance processing is carried out, according to clearance processing result, a money transfer transactions clearance result block is constructed, by the money transfer transactions
It clears result block and block chain is added；
It receives participant node and clears result block according to the money transfer transactions, pay remittance fund solution to remittance recipient, packet
It includes:
Participant node is received according to this node private key, is decrypted from the remittance information of money transfer transactions clearance result block
After default transaction data, remittance fund solution is paid to remittance recipient.
5. a kind of cross-border payment mechanism of RMB based on block chain framework, which is characterized in that the cross-border payment participant of RMB
Node constitutes block chain network, and the block chain network includes: to initiate the cross-border payment system CIPS section of participant node, RMB
Point and reception participant node；Wherein:
Participant node is initiated, for receiving the money transfer request of money transfer initiator, a money transfer request is constructed according to money transfer request
Block chain is added in the money transfer request block by block；
The cross-border payment system CIPS node of RMB, for clearance processing being carried out, according to clearance according to the money transfer request block
Processing result, constructs a money transfer transactions clearance result block, and block chain is added in money transfer transactions clearance result block；
Participant node is received, for clearing result block according to the money transfer transactions, remittance fund solution is paid to remittance and receives
People.
6. as claimed in claim 5 based on the cross-border payment mechanism of RMB of block chain framework, which is characterized in that the block
Chain node further include:
Clearing bank's node, for carrying out pre- audit processing to money transfer request according to money transfer request block, according to pre- audit processing knot
Fruit constructs one first pre- audit fruiting area block, and block chain is added in the described first pre- audit fruiting area block；
The reception participant node is also used to according to money transfer request block, pre- audit processing is carried out to money transfer request, according to pre-
Processing result is audited, one second pre- audit fruiting area block is constructed, block chain is added in the described second pre- audit fruiting area block；
CIPS node is specifically used for according to the money transfer request block, the first pre- audit fruiting area block and the second pre- audit fruiting area
Block carries out clearance processing, according to clearance processing result, a money transfer transactions clearance result block is constructed, by the money transfer transactions
It clears result block and block chain is added.
7. as claimed in claim 5 based on the cross-border payment mechanism of RMB of block chain framework, which is characterized in that initiate to participate in
Fang Jiedian is also used to receive the money transfer transactions status query request of money transfer initiator, according to money transfer transactions status query request, from
Status inquiry is obtained in block chain as a result, output state query result is to money transfer initiator.
8. as claimed in claim 5 based on the cross-border payment mechanism of RMB of block chain framework, which is characterized in that the remittance
It requests in block and money transfer transactions clearance result block to include remittance information；Default transaction data in the remittance information passes through
Symmetric encipherment algorithm is encrypted, and by the key of symmetric encipherment algorithm CIPS node, is initiated participant node, received and participate in
After the public key of Fang Jiedian encrypts respectively, it is stored in transaction data；
CIPS node is specifically used for decrypting default friendship from the remittance information of the money transfer request block according to this node private key
After easy data, clearance processing is carried out, according to clearance processing result, a money transfer transactions clearance result block is constructed, by the remittance
Money business clears result block and block chain is added；
It receives participant node and is specifically used for receiving participant node according to this node private key, clear result from the money transfer transactions
After decrypting default transaction data in the remittance information of block, remittance fund solution is paid to remittance recipient.
9. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor realizes any side of Claims 1-4 when executing the computer program
Method.
10. a kind of computer readable storage medium, which is characterized in that the computer-readable recording medium storage has perform claim
It is required that the computer program of 1 to 4 any the method.
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Address after: 100195 1st Floor 112-113, Building 3, South District, Beiwu Innovation Park, 23 Beiwucun Road, Haidian District, Beijing Applicant after: Yinqing Technology Co.,Ltd. Address before: 100195 1st Floor 112-113, Building 3, South District, Beiwu Innovation Park, 23 Beiwucun Road, Haidian District, Beijing Applicant before: YINQING TECHNOLOGY (BEIJING) Co.,Ltd. |
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Application publication date: 20191025 |