CN111539705A - Cross-border payment method and device based on block chain - Google Patents
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Abstract
The application discloses a block chain-based cross-border payment method and device, which can solve the problems of multiple intermediate links, high cost, long time and the like of the conventional cross-border payment. The method comprises the following steps: firstly, user login data sent by a cross-border payment system is received, wherein the user login data comprises a login account and a login password of a user, and then, after the user login is successful, a cross-border payment data uplink request of the user is received; the cross-border payment data comprises account information of a payee, and cross-border payment can be carried out according to the cross-border payment request and the account information of the payee to obtain a payment result.
Description
Technical Field
The application relates to the technical field of block chains, in particular to a block chain-based cross-border payment method and device.
Background
The block chain is a distributed and multi-centralized chain data storage system in nature, and has the characteristics of decentralization, programmable time sequence data, safety and credibility. The external attack is resisted by means of strong calculation force formed by consensus algorithms such as workload certification and the like of each node of the distributed system, the data of the block chain is guaranteed not to be tampered, and the data is guaranteed to be safe and reliable.
With the gradual improvement of the living standard of people, the population of traveling, working and studying abroad rises year by year, the business demand of sending money abroad continuously rises every year, and the global demand for cross-border payment service is continuously increased. However, due to the reasons of multiple intermediate links, complex settlement system and the like of the existing cross-border payment, the problems of high cost, long time and the like still generally exist in the current cross-border payment.
Disclosure of Invention
The embodiments of the present application mainly aim at providing a block chain-based cross-border payment method and apparatus, which remove a transit bank in cross-border payment by using a block chain technology, reduce cross-border payment participants, reduce intermediate cost of cross-border payment, and improve a cost structure, thereby solving the problems of many intermediate links, high cost, long time and the like in the current cross-border payment.
In a first aspect, an embodiment of the present application provides a block chain-based cross-border payment method, including:
receiving user login data sent by a cross-border payment system, wherein the user login data comprises a login account and a login password of a user;
after the user logs in successfully, receiving a cross-border payment data uplink request of the user; the cross-border payment data comprises account information of a payee;
and performing cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee to obtain a payment result.
Optionally, the method further includes:
receiving user registration data sent by a cross-border payment system;
and generating login data of the user by using the user registration data.
Optionally, the method further includes:
receiving a cross-border payment information query request of a user; the cross-border payment information inquiry request of the user comprises a unique storage address of the user on the blockchain;
and acquiring cross-border payment information on the block chain according to the unique storage address of the user on the block chain.
Optionally, the bank and the supervision department to which the cross-border payment system belongs are blockchain nodes on the same alliance chain.
Optionally, the cross-border payment information query request of the user is made by the user or the bank through a cross-border payment system of the bank, and the method further includes:
judging whether the banks are blockchain nodes on the same alliance chain or not through the supervision department;
and if so, authorizing the bank so that the user or the bank can acquire cross-border payment information from the block chain through the cross-border payment system.
In a second aspect, an embodiment of the present application further provides a block chain-based cross-border payment apparatus, including:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for receiving user login data sent by a cross-border payment system, and the user login data comprises a login account and a login password of a user;
the second receiving unit is used for receiving a cross-border payment data uplink request of the user after the user successfully logs in; the cross-border payment data comprises account information of a payee;
and the payment unit is used for carrying out cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee to obtain a payment result.
Optionally, the apparatus further comprises:
the third receiving unit is used for receiving the user registration data sent by the cross-border payment system;
and the generation receiving unit is used for generating the login data of the user by using the user registration data.
Optionally, the apparatus further comprises:
the fourth receiving unit is used for receiving a cross-border payment information inquiry request of a user; the cross-border payment information inquiry request of the user comprises a unique storage address of the user on the blockchain;
and the acquisition unit is used for acquiring the cross-border payment information on the block chain according to the unique storage address of the user on the block chain.
Optionally, the bank and the supervision department to which the cross-border payment system belongs are blockchain nodes on the same alliance chain.
Optionally, the cross-border payment information query request of the user is provided by the user or the bank through a cross-border payment system of the bank, and the apparatus further includes:
the judging unit is used for judging whether the banks are block chain nodes on the same alliance chain or not through the monitoring department;
and the authorization unit is used for authorizing the bank if the bank is judged to be the blockchain node on the same alliance chain, so that the user or the bank can obtain cross-border payment information from the blockchain through the cross-border payment system.
The embodiment of the present application further provides a cross-border payment device based on a block chain, including: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is configured to store one or more programs, the one or more programs including instructions, which when executed by the processor, cause the processor to perform any one of the implementations of the above blockchain based cross-border payment method.
An embodiment of the present application further provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are run on a terminal device, the terminal device is enabled to execute any implementation manner of the above block chain-based cross-border payment method.
The cross-border payment method and device based on the block chain comprise the steps that user login data sent by a cross-border payment system are received, wherein the user login data comprise a login account and a login password of a user, and then a user cross-border payment data chaining request is received after the user logs in successfully; the cross-border payment data comprises account information of a payee, and cross-border payment can be carried out according to the cross-border payment request and the account information of the payee to obtain a payment result. Therefore, the transfer bank in cross-border payment is removed based on the blockchain technology, so that the number of participants in cross-border payment is reduced, the intermediate cost of cross-border payment is reduced, and the cost structure is improved, so that the problems of multiple intermediate links, high cost, long time and the like in the current cross-border payment can be solved.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a schematic flowchart of a block chain-based cross-border payment method according to an embodiment of the present disclosure;
fig. 2 is a schematic composition diagram of a block chain-based cross-border payment device according to an embodiment of the present disclosure.
Detailed Description
At present, the living standard of people is gradually improved, the population for traveling, working and studying abroad is gradually increased year by year, the business demand of overseas remittance every year is continuously increased, and the global demand for cross-border payment service is continuously increased. The existing cross-border payment process is as follows:
in the payment initiation stage, after receiving the request for transferring the money from the sender to the receiver in another country, the payer bank or the remittance company performs identity verification and anti-money laundering verification to collect the money and service fee, and then confirms and starts to process the remittance service. At this stage, on the one hand, the remitter and recipient information is collected manually, which is inefficient; on the other hand, the reliability of the identity verification process is questioned because the bank or remittance company has limited control over the customer identity information and related documents.
In the fund transfer stage, a payer bank or a remittance company of a member of the Society for world wide interbank Financial Telecommunications, abbreviated as SWIFT, can directly transfer money through the SWIFT network; and the payer bank or remittance company, which is not a member of SWIFT, needs to transfer money through the local agent bank. In this stage, the fund flow and the information flow pass through a plurality of organizations, and the problems of high cost, long time consumption, high error rate and the like are easily caused.
In the money delivery stage, the receiver receives the notice and withdraws money, and the receiver bank or the remittance company checks the identity thereof and then pays the corresponding money to the receiver in the local currency. At this stage, similar to the payment initiation stage, the reliability of the identity verification process is questioned.
In the post-payment phase, all banks and remittances need to periodically submit cross-border payment service information (including sender and receiver identities, remittance amount, currency, time stamp, etc.) to the regulatory body, as required by local regulatory regulations. At this stage, due to the diversification of data sources and channels, when the banks and remittance companies submit business information to the supervision department, not only complex business processes need to be reported, but also high-cost technical function support is needed.
Therefore, the existing cross-border payment method has the problems of multiple intermediate links, complex settlement system, high cost, long time and the like.
In order to solve the above drawbacks, an embodiment of the present application provides a block chain-based cross-border payment method, which includes receiving user login data sent by a cross-border payment system, where the user login data includes a login account and a login password of a user, and then receiving a user's cross-border payment data uplink request after the user logs in successfully; the cross-border payment data comprises account information of a payee, and cross-border payment can be carried out according to the cross-border payment request and the account information of the payee to obtain a payment result. Therefore, the transfer bank in cross-border payment is removed based on the blockchain technology, so that the number of participants in cross-border payment is reduced, the intermediate cost of cross-border payment is reduced, and the cost structure is improved, so that the problems of multiple intermediate links, high cost, long time and the like in the current cross-border payment can be solved.
In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
First embodiment
Referring to fig. 1, a schematic flow chart of a block chain-based cross-border payment method provided in this embodiment is shown, where the method includes the following steps:
s101: and receiving user login data sent by the cross-border payment system, wherein the user login data comprises a login account and a login password of the user.
In this embodiment, in order to ensure that the cross-border payment information is secure, reliable, non-tamper, and traceable, the transit bank needs to be removed first, and the bank and the regulatory department to which the cross-border payment system belongs are linked up simultaneously to establish a federation chain, so as to form a new payment mode of "blockchain + cross-border payment", so that both the bank and the regulatory department become blockchain nodes on the federation chain, ensure that the two are mutually trusted, and can realize information sharing between the two, and can query or modify data or rights on the blockchain in a mutually trusted manner (such as an intelligent contract).
Moreover, it should be noted that each node (e.g., each bank) in the federation chain needs to be subject to qualification verification by the relevant national departments, and can only join the federation chain after passing the qualification verification.
In this way, the nodes in the blockchain can receive the user login data sent by the cross-border payment system for performing the subsequent step S102. The user login data comprises a login account and a login password of the user.
Specifically, after receiving login data including a login account and a login password of a user sent by the cross-border payment system, the login data needs to be compared with information stored in the database in advance, and if the login data is completely matched, the login is completed, and the subsequent step S102 is performed.
In addition, in a possible implementation manner of the embodiment of the present application, the embodiment of the present application further needs to perform the following steps a1-a 2:
step a1, user registration data sent by the cross-border payment system is received.
Step A2: and generating login data of the user by using the user registration data.
In this implementation, in order to implement cross-border payment for a user (an organization or an individual participating in the cross-border payment system), it is generally necessary to first receive user registration data sent by the cross-border payment system to register an account for the user, because the user who is not registered cannot log in the interface of the cross-border payment system to send and receive remittance. At this time, at the server side, two types of data about the user account need to be generated, one type is basic information including a user name, a password, a service number and the like registered by the account, and the other type is asset information including an asset number, an asset quantity, a transaction number and the like. And under the condition that the user information is complete and correct, generating login data corresponding to the user by connecting a database background.
Or after receiving the user login data sent by the cross-border payment system, if the information completely matched with the user login data is queried in the database, the user can be prompted to register, and the specific registration process is consistent with the process, which is not described herein again.
S102: after the user logs in successfully, receiving a cross-border payment data uplink request of the user; wherein the cross-border payment data includes account information of the payee.
In this embodiment, after the user login data sent by the cross-border payment system is received in step S101 and the user login is successful, a cross-border payment data uplink request of the user may be further received to execute the following step S103, where the cross-border payment data includes account information of the recipient, such as an account name of the recipient and remittance amount.
S103: and performing cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee to obtain a payment result.
In this embodiment, after the cross-border payment data uplink request including the account information of the payee is received through the step S102, the cross-border payment can be further performed according to the cross-border payment data uplink request of the user and the account information of the payee, so as to obtain the payment result.
Specifically, after receiving a cross-border payment data uplink request including account information of a receiver, the asset of a user account can be transferred to a designated user account, account information (such as an account name and a remittance amount) of the receiver is input through a remittance initiating interface of the cross-border payment system, and as long as the receiver is registered, that is, the receiver is truly and visually located on a block chain, cross-border payment can be performed by using the received cross-border payment data, a payment result can be obtained, and the payment result can be written into the block chain for storage.
In a possible implementation manner of the embodiment of the present application, after the cross-border payment is implemented in step S103, the embodiment of the present application may further perform the following steps B1-B2:
step B1: and receiving a cross-border payment information query request of the user, wherein the cross-border payment information query request of the user comprises a unique storage address of the user on the blockchain.
Step B2: and acquiring cross-border payment information on the blockchain according to the unique storage address of the user on the blockchain.
In this implementation manner, after the cross-border payment is implemented and the payment information is stored in the blockchain in step S103, a cross-border payment information query request of the user may be further received, where the cross-border payment information query request of the user includes a unique storage address of the user on the blockchain. Further, uplink inquiry can be performed through the unique storage address of the user area on the blockchain, so that the blockchain can report all cross-border payment information of the user in real time, and inquire and package the data information, wherein the cross-border payment information inquiry can include account number information inquiry and transaction information inquiry, and can be displayed on an Application program (APP) interface, a client interface or a web interface of the terminal device, such as a cross-border payment system interface deployed in a bank.
Each bank is respectively provided with a cross-border payment system for realizing real-time cross-border transfer of funds and shortening the time of cross-border payment and settlement. The cross-border payment system comprises an interface layer, a data encapsulation layer and a business logic layer of a block chain. The interface layer of the block chain uses a distribution block chain API, and the bottom layer block chain is deployed on a Linux virtual machine server. The data encapsulation layer is used for performing data writing encapsulation and data query encapsulation, namely data writing encapsulation is needed when a block chain is written, query encapsulation is needed when the block chain is accessed, an interface used by a developer is needed for the block chain at the bottom layer, but based on data safety and overall butt joint consideration, encapsulation processing needs to be performed on the interface, and a Windows application development mode can be adopted to encapsulate data into a map type and then convert the map type into a JSON type. The business logic layer comprises four functional modules which are connected with the block chain and respectively comprise a registration module, a login module, a remittance module and an inquiry module, a user can access the business logic layer through a browser of common terminal equipment, and the four functional modules all need to obtain the support of the block chain. Meanwhile, a local database can be configured to perform data backup, so that the information of the user in the system operation can be stored and recorded. And information inquiry is convenient. Moreover, all the modules are connected with the block chain, so that even if a local database is damaged, data in the block chain still exist, and the data cannot be completely lost, so that the traceability and traceability of transaction history can be ensured while the process of cross-border payment transaction is ensured to be more transparent, the safety of cross-border payment is greatly improved, and the fund risk is reduced.
In addition, in a possible implementation manner of the embodiment of the present application, if the cross-border payment information query request of the user is provided by the user or a bank through a cross-border payment system of a bank, at this time, on the basis that the bank and a supervision department to which the cross-border payment system belongs are blockchain nodes on the same alliance chain, the embodiment of the present application further needs to perform the following steps C1 to C3:
step C1: and judging whether the banks are blockchain nodes on the same alliance chain or not through a supervision department.
In this implementation manner, in order to ensure the security of the cross-border payment information, after receiving the cross-border payment information query request of the user, the monitoring department needs to first determine whether the bank is a blockchain node on the same federation chain, that is, the monitoring department performs an audit on whether the bank is a member of the federation chain, if so, the subsequent step C2 is performed, and if not, the subsequent step C3 is performed.
Step C2: and authorizing the bank so that the user or the bank can acquire the cross-border payment information from the block chain through the cross-border payment system.
In this implementation manner, if it is determined through step C1 that the bank and the monitoring department belong to the same alliance chain, that is, the bank is a blockchain node on the same alliance chain, it indicates that the bank and the monitoring department are trusted with each other, and further indicates that the cross-border payment information query request of the user is approved by the monitoring department, at this time, the bank may be authorized, so that the user or the bank may obtain the cross-border payment information from the blockchain through the cross-border payment system.
Step C3: the bank is not authorized.
In this implementation manner, if it is determined through step C1 that the bank and the monitoring department do not belong to the same alliance chain, that is, the bank is not a block chain node on the same alliance chain, it indicates that the bank and the monitoring department are not trusted with each other, and at this time, the bank cannot be authorized, that is, the user or the bank cannot inquire the cross-border payment information on the block chain through the cross-border payment system of the bank, and cannot acquire the required cross-border payment information from the block chain.
It should be noted that the cross-border payment information request may also be provided by a monitoring department, so as to monitor the transaction situation in real time after obtaining the cross-border payment information data, and meanwhile, receive the prewarning and reminding of money laundering through the preset conditions in the intelligent contract. The embodiment of the present application is not limited, and may be selected according to actual situations.
In summary, in the cross-border payment method based on the blockchain provided by this embodiment, first, user login data sent by the cross-border payment system is received, where the user login data includes a login account and a login password of a user, and then, after the user login is successful, a user uplink request of the cross-border payment data is received; the cross-border payment data comprises account information of a payee, and cross-border payment can be carried out according to the cross-border payment request and the account information of the payee to obtain a payment result. Therefore, the transfer bank in cross-border payment is removed based on the blockchain technology, so that the number of participants in cross-border payment is reduced, the intermediate cost of cross-border payment is reduced, and the cost structure is improved, so that the problems of multiple intermediate links, high cost, long time and the like in the current cross-border payment can be solved.
Second embodiment
In this embodiment, a cross-border payment apparatus based on a block chain will be described, and for related contents, please refer to the above method embodiment.
Referring to fig. 2, a schematic composition diagram of a block chain-based cross-border payment device provided in this embodiment is shown, where the device includes:
the system comprises a first receiving unit 201, a second receiving unit, a third receiving unit and a fourth receiving unit, wherein the first receiving unit is used for receiving user login data sent by a cross-border payment system, and the user login data comprises a login account and a login password of a user;
a second receiving unit 202, configured to receive a cross-border payment data uplink request of a user after the user successfully logs in; the cross-border payment data comprises account information of a payee;
the payment unit 203 is configured to perform cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee, so as to obtain a payment result.
In an implementation manner of this embodiment, the apparatus further includes:
the third receiving unit is used for receiving the user registration data sent by the cross-border payment system;
and the generation receiving unit is used for generating the login data of the user by using the user registration data.
In an implementation manner of this embodiment, the apparatus further includes:
the fourth receiving unit is used for receiving a cross-border payment information inquiry request of a user; the cross-border payment information inquiry request of the user comprises a unique storage address of the user on the blockchain;
and the acquisition unit is used for acquiring the cross-border payment information on the block chain according to the unique storage address of the user on the block chain.
In an implementation manner of this embodiment, the bank and the monitoring department to which the cross-border payment system belongs are blockchain nodes on the same alliance chain.
In an implementation manner of this embodiment, the cross-border payment information query request of the user is provided by the user or the bank through a cross-border payment system of the bank, and the apparatus further includes:
the judging unit is used for judging whether the banks are block chain nodes on the same alliance chain or not through the monitoring department;
and the authorization unit is used for authorizing the bank if the bank is judged to be the blockchain node on the same alliance chain, so that the user or the bank can obtain cross-border payment information from the blockchain through the cross-border payment system.
In summary, in the cross-border payment device based on the blockchain provided by this embodiment, first, user login data sent by the cross-border payment system is received, where the user login data includes a login account and a login password of a user, and then, after the user login is successful, a user uplink request of the cross-border payment data is received; the cross-border payment data comprises account information of a payee, and cross-border payment can be carried out according to the cross-border payment request and the account information of the payee to obtain a payment result. Therefore, the transfer bank in cross-border payment is removed based on the blockchain technology, so that the number of participants in cross-border payment is reduced, the intermediate cost of cross-border payment is reduced, and the cost structure is improved, so that the problems of multiple intermediate links, high cost, long time and the like in the current cross-border payment can be solved.
Further, an embodiment of the present application further provides a block chain-based cross-border payment device, including: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is configured to store one or more programs, the one or more programs including instructions, which when executed by the processor, cause the processor to perform any of the implementation methods of the blockchain based cross-border payment method described above.
Further, an embodiment of the present application also provides a computer-readable storage medium, where instructions are stored in the computer-readable storage medium, and when the instructions are executed on a terminal device, the terminal device is caused to execute any implementation method of the above block chain-based cross-border payment method.
As can be seen from the above description of the embodiments, those skilled in the art can clearly understand that all or part of the steps in the above embodiment methods can be implemented by software plus a necessary general hardware platform. Based on such understanding, the technical solution of the present application may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network communication device such as a media gateway, etc.) to execute the method according to the embodiments or some parts of the embodiments of the present application.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. The device disclosed by the embodiment corresponds to the method disclosed by the embodiment, so that the description is simple, and the relevant points can be referred to the method part for description.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (12)
1. A block chain-based cross-border payment method is characterized by comprising the following steps:
receiving user login data sent by a cross-border payment system, wherein the user login data comprises a login account and a login password of a user;
after the user logs in successfully, receiving a cross-border payment data uplink request of the user; the cross-border payment data comprises account information of a payee;
and performing cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee to obtain a payment result.
2. The method of claim 1, further comprising:
receiving user registration data sent by a cross-border payment system;
and generating login data of the user by using the user registration data.
3. The method of claim 1, further comprising:
receiving a cross-border payment information query request of a user; the cross-border payment information inquiry request of the user comprises a unique storage address of the user on the blockchain;
and acquiring cross-border payment information on the block chain according to the unique storage address of the user on the block chain.
4. The method of claim 3, wherein the bank and the regulatory department to which the cross-border payment system belongs are blockchain nodes on the same federation chain.
5. The method as claimed in claim 4, wherein the user's cross border payment information inquiry request is made by a user or a bank through the bank's cross border payment system, the method further comprising:
judging whether the banks are blockchain nodes on the same alliance chain or not through the supervision department;
and if so, authorizing the bank so that the user or the bank can acquire cross-border payment information from the block chain through the cross-border payment system.
6. A block chain based cross-border payment device, comprising:
the system comprises a first receiving unit, a second receiving unit and a third receiving unit, wherein the first receiving unit is used for receiving user login data sent by a cross-border payment system, and the user login data comprises a login account and a login password of a user;
the second receiving unit is used for receiving a cross-border payment data uplink request of the user after the user successfully logs in; the cross-border payment data comprises account information of a payee;
and the payment unit is used for carrying out cross-border payment according to the cross-border payment data uplink request of the user and the account information of the payee to obtain a payment result.
7. The apparatus of claim 6, further comprising:
the third receiving unit is used for receiving the user registration data sent by the cross-border payment system;
and the generation receiving unit is used for generating the login data of the user by using the user registration data.
8. The apparatus of claim 6, further comprising:
the fourth receiving unit is used for receiving a cross-border payment information inquiry request of a user; the cross-border payment information inquiry request of the user comprises a unique storage address of the user on the blockchain;
and the acquisition unit is used for acquiring the cross-border payment information on the block chain according to the unique storage address of the user on the block chain.
9. The apparatus of claim 8, wherein the bank and the regulatory department to which the cross-border payment system belongs are blockchain nodes on the same federation chain.
10. The apparatus as claimed in claim 9, wherein the cross-border payment information inquiry request of the user is made by the user or the bank through a cross-border payment system of the bank, the apparatus further comprising:
the judging unit is used for judging whether the banks are block chain nodes on the same alliance chain or not through the monitoring department;
and the authorization unit is used for authorizing the bank if the bank is judged to be the blockchain node on the same alliance chain, so that the user or the bank can obtain cross-border payment information from the blockchain through the cross-border payment system.
11. A blockchain-based cross-border payment device, comprising: a processor, a memory, a system bus;
the processor and the memory are connected through the system bus;
the memory is to store one or more programs, the one or more programs comprising instructions, which when executed by the processor, cause the processor to perform the method of any of claims 1-5.
12. A computer-readable storage medium having stored therein instructions that, when executed on a terminal device, cause the terminal device to perform the method of any one of claims 1-5.
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