CN112036849B - Cross-border payment system and method based on distributed account book technology - Google Patents
Cross-border payment system and method based on distributed account book technology Download PDFInfo
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Abstract
The invention discloses a cross-border payment system and a method based on a distributed account book technology, which are implemented by setting a cross-border payment block chain node to be responsible for data uplink and downlink processing in a cross-border payment process, wherein the cross-border payment block chain link point comprises a cross-border payment system node, an overseas order receiving system node and a DCEP digital wallet system node, and the implemented operations comprise: (1) digital currency up-link and transfer; (2) cross-border order payment; (3) The invention discloses a cross-border transaction withdrawal or return, which comprises a DCEP digital wallet system, a cross-border payment system, an overseas receipt system and a blockchain infrastructure system with DCEP coin string circulation, wherein the invention also designs a two-dimension code value analysis module, a multi-element intelligent contract management module and other subsystems for coordinating and processing the cross-border payment system. The cross-border payment method and system have the advantage of efficiently processing cross-border payment data uplink and circulation.
Description
Technical Field
The invention belongs to the technical field of blockchains, and particularly relates to a cross-border payment system and method based on a distributed account book technology.
Background
The electronic payment mode in the traditional international trade needs to pass through a plurality of financial institutions such as a remittance bank, a central office, an agency and a collection, and can be subjected to accounting clearing and processing in the institutions through each institution, meanwhile, the agency relationship is established for a long time between the institutions, so that the whole cross-border payment process is complex, the settlement cost in the middle is high, the processing speed is low, and the overall settlement efficiency is low.
Aiming at the problems of the traditional cross-border payment, a transaction platform which both sides of trade participate together can be effectively constructed by using the blockchain technology, and the transparency and the openness of the transaction of both sides of trade are ensured on the basis of the blockchain distributed account book structure, so that the risk caused by information asymmetry in international trade payment is reduced, and the cross-border payment efficiency is improved. In the whole cross-border payment blockchain system, each node receives transaction information related to the system, so that each node participates in the verification process, and then the verification record and the result are input into the blockchain on the basis of ensuring the authenticity of the transaction, thereby improving the working efficiency
However, as the blockchain technology belongs to a new technology, the technical stability and performance of the blockchain system are still to be improved, and the problems of performance, efficiency and the like still exist in three main business aspects of cross-border payment digital currency uplink, circulation, cross-border order-receiving payment flow, withdrawal and return transaction and the like, so that the stability and performance are still to be improved. Therefore, providing a blockchain system that efficiently executes a cross-border payment process and ensures a stable cross-border payment transaction process is an important and hot problem in the current cross-border payment field.
The patent number CN2019105885428 provides a block chain architecture-based Renminbi cross-border payment method and device, which comprises the steps that Renminbi cross-border payment participant nodes form a block chain network, CIPS nodes are utilized to carry out clearing processing according to a money transfer request block, a money transfer business clearing result block is constructed according to clearing processing results, and the money transfer business clearing result block is added into a block chain. The technical scheme improves the accuracy and efficiency of the cross-border payment of the RMB by using the blockchain technology, but does not realize the process of digital currency uplink and circulation, and has simpler order processing technology. The invention discloses a block chain-based inter-business-bank user online cross-border transfer payment method, which is characterized in that a traditional inter-business-bank cross-border transfer payment technology system and an emerging block chain-based technology are combined by means of a virtual digital cryptocurrency cross-border transfer payment technology system, a specific country legal currency is adopted as an intermediate currency, the intermediate currency is adopted as a carrier for value conversion between different country currencies, the value conversion between the different country currencies is realized by using an intelligent contract, further virtual digital currencies are replaced, on the basis of the existing financial supervision of the inter-business-bank cross-border payment, the point-to-point transmission of the inter-business-bank cross-border payment is realized by means of a alliance chain in the block chain technology system, and the technical scheme has controllable anonymity and traceable technical characteristics so as to meet the financial supervision requirements between the world and the region.
Disclosure of Invention
Based on the background and the problems existing in the prior art, the invention aims to design a cross-border payment system based on the distributed account book technology, improves the efficiency of cross-border payment data uplink and circulation, provides support for realizing data storage traceability, and can efficiently realize the cross-border payment data uplink and circulation process by designing the cross-border payment method based on the distributed account book technology.
To achieve these objects and other advantages and in accordance with the purpose of the invention, there is provided a cross-border payment system based on a distributed ledger technique, comprising:
DCEP digital wallet system: the DCEP digital wallet system node is used for managing and creating the DCEP digital wallet system node, is used for data processing tasks of digital currency generation, digital currency exchange, digital currency change, digital currency authentication, digital currency coin casting, digital currency exchange, digital currency on-chain transfer to off-chain and off-chain transfer to on-chain, and is used for inquiring account information in an overseas bill collection system; the two-dimensional code value analysis module is used for analyzing the two-dimensional code value of the user wallet module; the user wallet module is used for presenting or identifying the two-dimension code, managing and sending user operation instructions, receiving transaction result information of the overseas receipt system, and sending a two-dimension code processing result to the two-dimension code value analysis module for analysis; the two-dimensional code value analysis module is used for carrying out code value analysis by the DCEP digital wallet system call;
Cross-border payment system: for managing and creating cross-border payment system nodes; the system comprises a CIPS cross-border payment module, an information processing module, an order processing module and a refund processing module, wherein the CIPS cross-border payment module is used for receiving a DCEP digital wallet module refund processing request, generating a CIPS credit request and a CIPS credit receipt according to the refund processing request information, and sending the CIPS credit receipt to an overseas receipt system to generate an overseas remittance notice; the information processing module is used for receiving the request information of the overseas receipt system and forwarding the request information to the DCEP digital wallet system, wherein the request information comprises payment information, receipt withdrawal information, return information or other notification information; the order processing module is used for performing order processing according to the overseas order-receiving system order uplink information, transmitting the processed information to the DCEP digital wallet system, and transmitting the ownership transfer confirmation information to the cross-border payment system order processing module again by the DCEP digital wallet system to perform order processing, and uploading the payment result notification after the order processing to the blockchain by the cross-border payment system; the refund processing module is used for generating refund response transaction, the operation of the refund response transaction is completed under the condition that the matched collection mechanism coin string is met, and the matched coin string is transferred to the customer account;
Overseas order receiving system: the overseas order receiving system node is used for managing and creating overseas order receiving system nodes; the system comprises an order receiving wallet module, an order processing module and a notification processing module; the bill receiving wallet module is used for managing the fund flow direction and recording the fund movement direction, wherein the managing the fund flow direction comprises transferring account processing operation; the order processing module is used for processing the order and converting the exchange rate after the processed order is linked; the notification processing module is used for receiving and processing various notifications, including: the method comprises the steps of payment result notification, money-in-process notification and overseas remittance notification, and further comprises the step of sending out a request, wherein the request comprises a redemption request, a withdrawal or return request and a response operation after the request;
blockchain infrastructure system for DCEP coin string circulation: the system comprises a multi-element intelligent contract management module, an operation and maintenance management module, a resource adaptation module and a database module; the multi-element intelligent contract management module is used for managing, executing, triggering, updating, adapting and switching various concurrent intelligent contract sub-modules, and realizing various transactions of DCEP coin string automatic circulation; the operation and maintenance management module is used for supporting upper-layer application development and cross-border business development; the resource adaptation module is used for supporting circulation operation of the cross-border payment data uplink process; and the database module is used for supporting uplink data storage, search and query services.
Further, a cross-border payment method based on the distributed ledger wall technology is realized based on the system, and the method specifically comprises the following steps:
(1) Digital currency uplink and circulation: setting cross-border payment blockchain nodes which are responsible for data uplink and downlink processing in a cross-border payment process, wherein the cross-border payment blockchain nodes comprise cross-border payment system nodes, overseas acquisition system nodes and DCEP digital wallet system nodes, and the nodes are based on a blockchain infrastructure system through which DCEP coin strings circulate and intelligent contracts deployed on blockchains, so that an asset circulation process of the DCEP wallet system is automatically executed and ensured;
(2) Cross-border order payment: designing a consumption request information structure and a payment result notification information structure, supporting three stages of entry operation of payment transaction initiation, payment processing and overseas bill receiving mechanism redemption, and completing information circulation in the processes of order submission, money-serial processing, ownership transfer and redemption and back-transaction in the process of cross-border bill receiving payment transaction;
(3) Cross-border transaction withdrawal or return: and designing a transaction information structure and a return result notification information structure of the withdrawal or return, and completing information uplink processing operation in the withdrawal or return process by the cross-border payment block link points.
Further, the cross-border payment block link point comprises a cross-border payment system node, an overseas receipt system node and a DCEP digital wallet system node, the cross-border payment system, the overseas receipt system and the DCEP digital wallet system are used for completing information transmission and information uplink and downlink processing, and the three systems are connected with a DCEP coin string circulation block chain infrastructure system for data sharing and storage tracing.
Further, the DCEP digital wallet system completes the uplink implementation process including:
1.1 transaction parties open accounts on the chain for the first time when the chain of the blockchain infrastructure system based on DCEP coin string circulation is transacted, thereby requesting the creation of a user wallet;
1.2, a DCEP digital wallet system manages a user wallet module to create a user wallet, and a DCEP wallet system node completes generation of digital currency, exchange of the digital currency, change of the digital currency, authentication of the digital currency, coin casting of the digital currency and return of the digital currency, wherein balance and coin serial list in the user wallet module comprises on-chain digital currency and off-chain digital currency;
1.3 based on the list of coin strings, completing the transfer of digital currency from chain to chain and from chain to chain by the DCEP wallet system node;
1.4 after the digital currency coin string is uplink, finishing the circulation process of the digital currency on the chain based on a blockchain infrastructure system through which the DCEP coin string circulates, and formulating a DCEP coin string and owner field revision method;
1.5 when the up-chain digital currency coin string is in the down-chain, the coin melting and coin casting method of the DCEP wallet system on the digital currency string is set.
Further, the field revision method is realized through designing and revising the intelligent contract, and multi-party consensus verification based on the blockchain distributed ledger is realized autonomously after passing. The coin-smelting and coin-casting method triggers the DCEP digital wallet system node to call the blockchain coin-smelting intelligent contract and the blockchain coin-casting intelligent contract to be automatically completed.
Further, the entrance operation in the cross-border order-receiving payment step is a two-dimensional code scanning mode;
further, the transaction initiating stage specifically realizes order submission, coin string processing and generation of customer deduction confirmation information, and the transaction initiating process comprises the following steps:
2.1, generating an order by using a user code scanning based on the two-dimensional code with attribute encryption, automatically associating and generating commodity information, a merchant serial number and an aggregate amount, and transmitting the order to an overseas order receiving system after the order is generated;
2.2 after receiving the transaction, the overseas order receiving system performs a series of operations including related business inspection, exchange rate conversion, business processing and order information generation, and after completing a series of operations, the order information is linked and sent to a cross-border payment system node;
2.3, receiving order information by the cross-chain payment system node, based on an intelligent contract, acquiring identity information of a user wallet by calling a two-dimensional code value analysis module of the DCEP digital wallet system, performing business check and related business processing based on the identity information, generating account deduction request transaction information, and uploading the account deduction request transaction information to the DCEP digital wallet system node;
2.4DCEP digital wallet system node obtains deduction information from the blockchain of DCEP coin string circulation, and matches with user wallet module digital currency according to deduction amount and coin melting and casting methods.
Further, in the payment processing stage in the cross-border order-receiving payment step, the order payment processing and the money string uplink ownership transfer are specifically completed based on the confirmation information of the user on the deduction request, and the payment processing flow comprises:
3.1DCEP digital wallet system checks the payment confirmation information sent by user wallet and synchronizes the confirmation information to blockchain in real time;
3.2DCEP digital wallet system after finishing checking, carry on chain and link down the weight to pay coin string and shift;
3.3 the DCEP digital wallet system replies the user wallet system deduction success message, and sends a final confirmation request instruction and an ownership transfer notice, and the deduction preprocessing operation is reserved before the confirmation instruction is received, and the deduction transaction in the preprocessing state is automatically triggered after the deduction confirmation is completed;
3.4, triggering the intelligent contract to complete the account deduction transaction in the preprocessing state, triggering the right transfer intelligent contract, sending right transfer confirmation information to the user wallet module, completing right transfer after confirming right transfer, uploading right transfer information to the blockchain, automatically completing the uplink operation by the DCEP digital wallet system node based on the intelligent contract, and sending the right transfer information to the cross-border payment system node;
3.5 after receiving the money serial right transfer confirmation message, the cross-border payment system node processes the original order, generates a payment result notification message and transmits the payment result notification message to the overseas receipt system node in a uplink manner;
and 3.6, the overseas receipt system node receives the payment result notification message and sends the payment result notification message to the user wallet module to notify the payment result.
Further, the overseas receipt system exchange stage specifically realizes real-time exchange of the digital currency of the transaction based on the blockchain overseas receipt system node, and the overseas receipt system exchange return process comprises:
4.1, in the payment processing stage, after the money serial rights are transferred, the digital money is classified into an account on a bill receiving mechanism chain, and a money serial bill receiving notification is sent to an overseas bill receiving system node;
4.2, the overseas receipt system node initiates a redemption request to the cross-border payment system node;
4.3 sending a coin-string downlink request message to the DCEP digital wallet system node by the cross-border payment system node;
4.4DCEP digital wallet system node receives the downlink request message, processes the downlink to the overseas receipt system node chain upper coin string and judges whether to recast the money;
4.5 the DCEP digital wallet system performs a redemption operation on the digital wallet of the overseas receipt system, transfers the digital currency amount to the RMB balance account of the DCEP digital wallet system, and sends a completion notification of the digital currency transfer to the DCEP RMB balance account to the cross-border payment system node;
4.6, after receiving the currency exchange confirmation message, the cross-border payment system node initiates CIPS cross-border credit transaction;
and 4.7, after receiving the credit transaction receipt, the cross-border payment system node generates a cross-border remittance notice to the overseas receipt system node.
Further, the specific implementation steps of cross-border transaction withdrawal or return include:
5.1 the user wallet module initiates original order revocation or return transaction;
5.2, the overseas order receiving system node receives the original order withdrawal or return request to carry out service inspection;
5.3 the overseas order receiving system node generates withdrawal or return transaction information and uploads the withdrawal or return information to the blockchain;
5.4 receiving the withdrawal or return transaction by the cross-border payment system node, performing business inspection and matching the withdrawal or return amount with the account coin string on the overseas bill receiving system node chain;
5.5 finishing matching processing by the cross-border payment system node to generate a withdrawal or refund response transaction;
5.6 receiving and processing the block chain withdrawal or return transaction result by the overseas acquiring system node;
5.7DCEP digital wallet system node receives the withdrawal or return result message, completes the money serial right transfer and sends the withdrawal or return notice to the user wallet module by the DCEP digital wallet system node.
Additional advantages, objects, and features of the invention will be set forth in part in the description which follows and in part will become apparent to those having ordinary skill in the art upon examination of the following or may be learned from practice of the invention. The beneficial effects of the invention at least comprise: the cross-border payment block chain node comprises a cross-border payment system node, an overseas order receiving system node and a DCEP digital wallet system node, and is responsible for data uplink and downlink processing in the cross-border payment process, and the operation realized by the cross-border payment block chain node comprises the following steps: (1) The digital currency uplink and circulation flow is mainly realized based on a DCEP digital wallet system, and a blockchain infrastructure guarantees the data storage and verification process; (2) The two-dimensional code value analysis module is used for realizing cross-border order receiving payment, and the DCEP digital wallet system, the cross-border payment system and the overseas order receiving system are used for completing a cross-border order receiving payment process, and the alliance blockchain infrastructure is used for completing high-efficiency data uplink and downlink processing processes; (3) And the cross-border transaction cancellation or return is completed through the blockchain infrastructure system with DCEP coin string circulation, so that the authenticity, reliability, high efficiency and credibility of the cancellation or return transaction are ensured. Through designing the cross-border payment system to include the DCEP digital wallet system, the cross-border payment system, the overseas receipt system, the blockchain infrastructure system that DCEP coin string circulate, realize high-efficient processing cross-border payment data uplink and circulation process, reduce artificial intervention, reduce cross-border payment cost.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings that are needed in the description of the embodiments will be briefly described below, it being obvious that the drawings in the following description are only some embodiments of the present application, and that other drawings may be obtained according to these drawings without inventive effort for a person skilled in the art. The method and design idea presented in the drawings of the invention are within the scope of the invention.
Fig. 1 (a) is a cross-border payment uplink and circulation scenario 1 based on the distributed ledger wall technology of the present invention: the user transfers accounts to the acquirer;
fig. 1 (B) is a cross-border payment uplink and circulation scenario 2 based on the distributed ledger wall technology of the present invention: the user transfers accounts to the acquirer, including the condition of change;
fig. 1 (C) is a cross-border payment uplink and circulation scenario 3 based on the distributed ledger wall technology of the present invention: transferring money between users in the environment;
fig. 1 (D) is a cross-border payment uplink and circulation scenario 4 based on the distributed ledger wall technology of the present invention: removing the bill by the user;
fig. 1 (E) is a cross-border payment uplink and circulation scenario 5 based on the distributed ledger wall technology of the present invention: blending back;
FIG. 2 is a cross-border payment flow based on the distributed ledger technique of the present invention;
Fig. 3 is a cross-border payment cancellation or return flow based on the distributed ledger technique of the present invention.
Detailed Description
In order to clearly illustrate the present invention and make the objects, technical solutions and advantages of the embodiments of the present invention more clear, the technical solutions of the embodiments of the present invention are clearly and completely described below in conjunction with the drawings in the embodiments of the present invention, so that those skilled in the art can implement the embodiments according to the description and the text of the present invention. The technology of the present invention will be described in detail with reference to the following drawings. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
In the description of the present specification, reference to the terms "one embodiment," "a particular embodiment," "an embodiment mode," "for example," means that a particular feature, structure, or characteristic described in connection with the embodiment or example is included in at least one embodiment or example of the present application. In this specification, schematic representations of the above terms do not necessarily refer to the same embodiments or examples. Furthermore, the particular features, structures, or characteristics described may be combined in any suitable manner in any one or more embodiments or examples. The sequence of steps involved in the embodiments is used to schematically illustrate the practice of the present application, and is not limited thereto and may be appropriately adjusted as desired.
Name interpretation:
distributed ledger technology: the Distributed Ledger Technologies (DLT) currently lack standardized definition, and generally can be understood to include blockchain technologies and technical schemes for constructing a trusted distributed ledger. The distributed ledger wall technology mainly refers to a blockchain technology.
DCEP (digital currencyiectronic Payment, digital currency in China) is brand new encrypted electronic currency, namely digital currency in China, which is introduced by a blockchain technology, and adopts a double-layer operation system, namely that a people bank firstly exchanges DCEP with a bank or other financial institutions, and then exchanges DCEP with the public by the institutions.
The renminbi cross-border payment system (CIPS): the business processes mainly include a pay-by-pay business for customer remittance and position transfer, a pay-by-pay business for bulk, a pay-to-pay settlement for securities settlement system (SercuritySettlement System, SSS), a financial market business for central counter-party (CentralCounterparty, CCP) and the like.
The realization of the cross-border payment method depends on the cross-border payment system, and the cross-border payment system carries out the specific realization process of each work of the cross-border payment based on the cross-border payment system, and comprises the following components:
DCEP digital wallet system: the DCEP digital wallet system node is used for managing and creating the DCEP digital wallet system node, is used for data processing tasks of digital currency generation, digital currency exchange, digital currency change, digital currency authentication, digital currency coin casting, digital currency exchange, digital currency on-chain transfer to off-chain and off-chain transfer to on-chain, and is used for inquiring account information in an overseas bill collection system; the two-dimensional code value analysis module is used for analyzing the two-dimensional code value of the user wallet module; the user wallet module is used for presenting or identifying the two-dimension code, managing and sending user operation instructions, receiving transaction result information of the overseas receipt system, and sending a two-dimension code processing result to the two-dimension code value analysis module for analysis; the two-dimensional code value analysis module is used for carrying out code value analysis by the DCEP digital wallet system call;
cross-border payment system: for managing and creating cross-border payment system nodes; the system comprises a CIPS cross-border payment module, an information processing module, an order processing module and a refund processing module, wherein the CIPS cross-border payment module is used for receiving a DCEP digital wallet module refund processing request, generating a CIPS credit request and a CIPS credit receipt according to the refund processing request information, and sending the CIPS credit receipt to an overseas receipt system to generate an overseas remittance notice; the information processing module is used for receiving the request information of the overseas receipt system and forwarding the request information to the DCEP digital wallet system, wherein the request information comprises payment information, receipt withdrawal information, return information or other notification information; the order processing module is used for performing order processing according to the overseas order-receiving system order uplink information, transmitting the processed information to the DCEP digital wallet system, and transmitting the ownership transfer confirmation information to the cross-border payment system order processing module again by the DCEP digital wallet system to perform order processing, and uploading the payment result notification after the order processing to the blockchain by the cross-border payment system; the refund processing module is used for generating refund response transaction, the operation of the refund response transaction is completed under the condition that the matched collection mechanism coin string is met, and the matched coin string is transferred to the customer account;
Overseas order receiving system: the overseas order receiving system node is used for managing and creating overseas order receiving system nodes; the system comprises an order receiving wallet module, an order processing module and a notification processing module; the bill receiving wallet module is used for managing the fund flow direction and recording the fund movement direction, wherein the managing the fund flow direction comprises transferring account processing operation; the order processing module is used for processing the order and converting the exchange rate after the processed order is linked; the notification processing module is used for receiving and processing various notifications, including: the method comprises the steps of payment result notification, money-in-process notification and overseas remittance notification, and further comprises the step of sending out a request, wherein the request comprises a redemption request, a withdrawal or return request and a response operation after the request;
blockchain infrastructure system for DCEP coin string circulation: the system comprises a multi-element intelligent contract management module, an operation and maintenance management module, a resource adaptation module and a database module; the multi-element intelligent contract management module is used for managing, executing, triggering, updating, adapting and switching various concurrent intelligent contract sub-modules, and realizing various transactions of DCEP coin string automatic circulation; the operation and maintenance management module is used for supporting upper-layer application development and cross-border business development; the resource adaptation module is used for supporting circulation operation of the cross-border payment data uplink process; and the database module is used for supporting uplink data storage, search and query services.
Specific example 1:
step1: fig. 1 (a) - (E) show five implementation forms according to the present invention, showing the cross-border payment uplink and circulation method of the present invention based on the distributed ledger technique in five scenarios, and the implementation is described with reference to the figures and drawings. Digital currency uplink and circulation: setting cross-border payment blockchain nodes, wherein the nodes are responsible for data uplink and downlink processing in a cross-border payment process, the cross-border payment blockchain nodes comprise cross-border payment system nodes, overseas acquisition system nodes and DCEP digital wallet system nodes, the cross-border payment system, the overseas acquisition system and the DCEP digital wallet system respectively complete information transmission and information uplink and downlink processing, the nodes automatically execute and guarantee asset circulation processes of the DCEP wallet system based on a blockchain infrastructure system through which DCEP coin strings circulate and intelligent contracts deployed on a blockchain, and the three systems are connected with the blockchain infrastructure system through which the DCEP coin strings circulate to carry out data sharing and storage traceability. The DCEP digital wallet system completes the realization process of the uplink, which comprises the following steps:
s11, each account is opened on the chain when two transaction parties transact on the chain of the blockchain infrastructure system based on DCEP coin string circulation for the first time, thereby requesting to create a user wallet;
S12, a DCEP digital wallet system manages a user wallet module to create a user wallet, and a DCEP wallet system node completes generation of digital currency, exchange of the digital currency, change of the digital currency, authentication of the digital currency, coin casting of the digital currency and exchange of the digital currency, wherein balance and coin serial tables in the user wallet module comprise on-chain digital currency and off-chain digital currency;
s13, based on the coin string list, completing the operation of transferring digital currency from the chain to the chain and from the chain to the chain by the DCEP wallet system node;
s14, after the digital currency coin string is uplink, the circulation process of the digital currency on the chain is completed based on a blockchain infrastructure system through which the DCEP coin string circulates, and a DCEP coin string and owner field revision method is formulated, the field revision method is realized by designing and revising an intelligent contract, and the multi-party consensus verification based on the blockchain distributed account book is realized autonomously after passing;
and S15, when the up-chain digital currency coin string is in a down-chain state, setting a coin melting and coin casting method of the DCEP wallet system on the digital currency string, wherein the coin melting and coin casting method triggers nodes of the DCEP digital wallet system to call the blockchain coin melting intelligent contract and the blockchain coin casting intelligent contract to automatically finish.
Specific example 2:
step2: fig. 2 shows a cross-border payment process based on the distributed ledger technology. Through the two-dimensional code scanning mode, based on the design of a consumption request information structure and a payment result notification information structure, three stages of entry operation of payment transaction initiation, payment processing and overseas receipt mechanism redemption are supported, and information circulation in the processes of order submission, money-serial processing, rights and interests transfer and redemption and back-transaction in the process of cross-border receipt payment transaction is completed.
S21: in the transaction initiating stage, the order submitting, the coin string processing and the generation of the client deduction confirmation information are specifically realized, and the transaction initiating process comprises the following steps:
s211, based on the two-dimensional code with attribute encryption, enabling a user to sweep the code to generate an order, automatically associating and generating commodity information, merchant serial numbers and summarized amount, and sending the order to an overseas order receiving system after the order is generated;
s212, after the overseas receipt system receives the transaction, performing a series of operations including related business inspection, exchange rate conversion, business processing and order information generation, and after the series of operations are completed, linking the order information and sending the order information to a cross-border payment system node;
s213, receiving order information by the cross-chain payment system node, based on an intelligent contract, obtaining identity information of a user wallet by calling a two-dimensional code value analysis module of the DCEP digital wallet system, performing business check and related business processing based on the identity information, generating account deduction request transaction information, and uploading the account deduction request transaction information to the DCEP digital wallet system node;
S214DCEP digital wallet system node obtains deduction information from the blockchain of DCEP coin string circulation, and matches the deduction amount with the digital money of the user wallet module according to the coin melting and coin casting method.
S22: and a payment processing stage, which specifically realizes order payment processing and coin string uplink ownership transfer based on the confirmation information of the user deduction request, wherein the payment processing flow comprises:
s221DCEP digital wallet system checks the payment confirmation information sent by user wallet and synchronizes the confirmation information to the block chain in real time;
s222, after the DCEP digital wallet system completes the check, carrying out chain-up and chain-down rights transfer on the coin string to be paid;
s223DCEP digital wallet system replies user wallet system deduction successful message, and sends final confirmation request instruction and ownership transfer notice, and retains deduction preprocessing operation before receiving confirmation instruction, and automatically triggers intelligent contract to complete deduction transaction in preprocessing state after completing deduction confirmation;
s224, once the intelligent contract is triggered to complete the account deduction transaction in the preprocessing state, the right transfer intelligent contract is triggered, right transfer confirmation information is sent to the user wallet module, right transfer is completed after right transfer is confirmed, the right transfer information is uploaded to the blockchain, the DCEP digital wallet system node automatically completes the uplink operation based on the intelligent contract, and the right transfer information is sent to the cross-border payment system node;
S225, after receiving the money serial weight transfer confirmation message, the cross-border payment system node processes the original order, generates a payment result notification message and transmits the payment result notification message to the overseas receipt system node in a uplink manner;
s226, the overseas receipt system node receives the payment result notification message, and sends the payment result notification message to the user wallet module to notify the payment result.
S23: and the overseas receipt system exchange stage is used for specifically realizing the real-time exchange of the digital currency of the transaction based on the block chain overseas receipt system node, and the overseas receipt system exchange process comprises the following steps:
s231, in the payment processing stage, after the money serial rights transfer is completed, the digital money is classified into an account on a bill receiving mechanism chain, and a money serial bill receiving notification is sent to an overseas bill receiving system node;
s232, the overseas receipt system node initiates a redemption request to the cross-border payment system node;
s233, transmitting a coin string downlink request message to the DCEP digital wallet system node by the cross-border payment system node;
s234DCEP digital wallet system node receives the downlink request message, processes the downlink of the overseas receipt system node chain upper coin string and judges whether to recast the money;
s235, the DCEP digital wallet system performs a redemption operation on the digital wallet of the overseas receipt system, transfers the digital currency amount to a RMB balance account of the DCEP digital wallet system, and sends a completion notification of the digital currency transfer to the DCEP RMB balance account to a cross-border payment system node;
S236, after receiving the currency exchange confirmation message, the cross-border payment system node initiates CIPS cross-border credit transaction;
and S237, after receiving the credit transaction receipt, the cross-border payment system node generates a cross-border remittance notice to the overseas receipt system node.
Specific example 3:
step3: the method is shown in the figure as a cross-border payment cancellation or return flow chart based on the distributed ledger wall technology, and the specific implementation steps of cross-border transaction cancellation or return comprise:
s31, the user wallet module initiates original order revocation or return transaction;
s32, the overseas order receiving system node receives the original order withdrawal or return request to conduct business inspection;
s33, the overseas order receiving system node generates withdrawal or return transaction information and uploads the withdrawal or return information to the blockchain;
s34, receiving withdrawal or return transaction by the cross-border payment system node, performing business inspection and matching the withdrawal or return amount with account coin strings on the overseas bill receiving system node chain;
s35, finishing matching processing by the cross-border payment system node, and generating a withdrawal or refund response transaction;
s36, receiving and processing a blockchain revocation or return transaction result by the overseas acquiring system node;
s37, the DCEP digital wallet system node receives the withdrawal or return result message, completes the transfer of the coin string rights and sends a withdrawal or return notification to the user wallet module by the DCEP digital wallet system node.
The previous description of the embodiments is provided to facilitate a person of ordinary skill in the art in order to make and use the present invention. It will be apparent to those having ordinary skill in the art that various modifications to the above-described embodiments may be readily made and the generic principles described herein may be applied to other embodiments without the use of inventive faculty. Therefore, the present invention is not limited to the above-described embodiments, and those skilled in the art, based on the present disclosure, should make improvements and modifications within the scope of the present invention.
Claims (10)
1. A cross-border payment system based on distributed ledger technology, comprising:
DCEP digital wallet system: the DCEP digital wallet system node is used for managing and creating the DCEP digital wallet system node, is used for data processing tasks of digital currency generation, digital currency exchange, digital currency change, digital currency authentication, digital currency coin casting, digital currency exchange, digital currency on-chain transfer to off-chain and off-chain transfer to on-chain, and is used for inquiring account information in an overseas bill collection system; the two-dimensional code value analysis module is used for analyzing the two-dimensional code value of the user wallet module; the user wallet module is used for presenting or identifying the two-dimension code, managing and sending user operation instructions, receiving transaction result information of the overseas receipt system, and sending a two-dimension code processing result to the two-dimension code value analysis module for analysis; the two-dimensional code value analysis module is used for carrying out code value analysis by the DCEP digital wallet system call;
Cross-border payment system: for managing and creating cross-border payment system nodes; the system comprises a CIPS cross-border payment module, an information processing module, an order processing module and a refund processing module, wherein the CIPS cross-border payment module is used for receiving a DCEP digital wallet module refund processing request, generating a CIPS credit request and a CIPS credit receipt according to the refund processing request information, and sending the CIPS credit receipt to an overseas receipt system to generate an overseas remittance notice; the information processing module is used for receiving the request information of the overseas receipt system and forwarding the request information to the DCEP digital wallet system, wherein the request information comprises payment information, receipt withdrawal information, return information or notification information; the order processing module is used for performing order processing according to the overseas order-receiving system order uplink information, transmitting the processed information to the DCEP digital wallet system, and transmitting the ownership transfer confirmation information to the cross-border payment system order processing module again by the DCEP digital wallet system to perform order processing, and uploading the payment result notification after the order processing to the blockchain by the cross-border payment system; the refund processing module is used for generating refund response transaction, the operation of the refund response transaction is completed under the condition that the matched collection mechanism coin string is met, and the matched coin string is transferred to the customer account;
Overseas order receiving system: the overseas order receiving system node is used for managing and creating overseas order receiving system nodes; the system comprises an order receiving wallet module, an order processing module and a notification processing module; the bill receiving wallet module is used for managing the fund flow direction and recording the fund movement direction, wherein the managing the fund flow direction comprises transferring account processing operation; the order processing module is used for processing the order and converting the exchange rate after the processed order is linked; the notification processing module is used for receiving and processing various notifications, including: the method comprises the steps of payment result notification, money-in-process notification and overseas remittance notification, and further comprises the step of sending out a request, wherein the request comprises a redemption request, a withdrawal or return request and a response operation after the request;
blockchain infrastructure system for DCEP coin string circulation: the system comprises a multi-element intelligent contract management module, an operation and maintenance management module, a resource adaptation module and a database module; the multi-element intelligent contract management module is used for managing, executing, triggering, updating, adapting and switching various concurrent intelligent contract sub-modules, and realizing various transactions of DCEP coin string automatic circulation; the operation and maintenance management module is used for supporting upper-layer application development and cross-border business development; the resource adaptation module is used for supporting circulation operation of the cross-border payment data uplink process; and the database module is used for supporting uplink data storage, search and query services.
2. A cross-border payment method based on the distributed ledger technique implemented based on the system of claim 1, comprising the steps of:
(1) Digital currency uplink and circulation: setting cross-border payment blockchain nodes which are responsible for data uplink and downlink processing in a cross-border payment process, wherein the cross-border payment blockchain nodes comprise cross-border payment system nodes, overseas acquisition system nodes and DCEP digital wallet system nodes, and the nodes are based on a blockchain infrastructure system through which DCEP coin strings circulate and intelligent contracts deployed on blockchains, so that an asset circulation process of the DCEP wallet system is automatically executed and ensured;
(2) Cross-border order payment: designing a consumption request information structure and a payment result notification information structure, supporting three stages of entry operation of payment transaction initiation, payment processing and overseas bill receiving mechanism redemption, and completing information circulation in the processes of order submission, money-serial processing, ownership transfer and redemption and back-transaction in the process of cross-border bill receiving payment transaction;
(3) Cross-border transaction withdrawal or return: and designing a transaction information structure and a return result notification information structure of the withdrawal or return, and completing information uplink processing operation in the withdrawal or return process by the cross-border payment block link points.
3. The cross-border payment method based on the distributed ledger wall technology according to claim 2, wherein the cross-border payment system node, the overseas acquiring system node and the DCEP digital wallet system node are respectively used for finishing information transmission and information uplink and downlink processing by the cross-border payment system, the overseas acquiring system and the DCEP digital wallet system, and the three systems are connected with a blockchain infrastructure system in which DCEP coin strings circulate for data sharing and storage tracing.
4. The distributed ledger wall technology-based cross-border payment method of claim 3, wherein the DCEP digital wallet system performs a chaining implementation process comprising:
1.1 Each account is opened on the chain by both transaction parties for the first time when the chain of the blockchain infrastructure system based on DCEP coin string circulation is transacted, thereby requesting to create a user wallet;
1.2 Creating a user wallet by using a DCEP digital wallet system to manage a user wallet module, and using a DCEP wallet system node to finish the generation of digital currency, the exchange of the digital currency, the change of the digital currency, the authentication of the digital currency, the coin casting of the digital currency and the exchange of the digital currency, wherein a balance and a coin list in the user wallet module comprise on-chain digital currency and off-chain digital currency;
1.3 Based on the list of coin strings, completing the operations of transferring digital money from chain to chain and from chain to chain by the DCEP wallet system node;
1.4 After the digital currency string is linked, the circulation process of the digital currency on the chain is completed based on a blockchain infrastructure system through which the DCEP currency string circulates, and a DCEP currency string and owner field revision method is formulated;
1.5 And when the up-chain digital currency coin string is in the down-chain state, arranging a coin melting and casting method of the DCEP wallet system on the digital currency string.
5. The cross-border payment method based on the distributed ledger technique according to claim 4, wherein the field revision method is realized by designing and revising intelligent contracts, and the multi-party consensus verification based on the blockchain distributed ledger is realized autonomously after passing; the coin-smelting and coin-casting method triggers the DCEP digital wallet system node to call the blockchain coin-smelting intelligent contract and the blockchain coin-casting intelligent contract to be automatically completed.
6. The cross-border payment method based on the distributed ledger wall technology as claimed in claim 2, wherein in the cross-border order-receiving payment step, the entrance operation is a two-dimensional code scanning mode.
7. The cross-border payment method based on the distributed ledger technique as claimed in claim 2, wherein the transaction initiation stage implements order submission, coin string processing and generation of customer deduction confirmation information, and the transaction initiation process includes:
2.1 Based on the two-dimensional code with attribute encryption, a user scans the code to generate an order, and the order is automatically associated with commodity information, a merchant serial number and a summary amount, and the order is sent to an overseas order receiving system after the order is generated;
2.2 After receiving the transaction, the overseas order receiving system performs a series of operations including relevant service inspection, exchange rate conversion, service processing and order information generation, and after completing the series of operations, the order information is uploaded and sent to a cross-border payment system node;
2.3 The method comprises the steps that a cross-chain payment system node receives order information, based on an intelligent contract, identity information of a user wallet is obtained by calling a two-dimensional code value analysis module of a DCEP digital wallet system, business inspection and relevant business processing are carried out based on the identity information, account deduction request transaction information is generated, the account deduction request transaction information is uplink, and the account deduction request transaction information is sent to the DCEP digital wallet system node;
2.4 The DCEP digital wallet system node obtains deduction information from a blockchain through which DCEP coin strings circulate, and matches the deduction amount with digital money of the user wallet module according to a coin melting and casting method.
8. The cross-border payment method based on the distributed ledger wall technology according to claim 2, wherein the payment processing stage in the cross-border order-receiving payment step specifically realizes the completion of order payment processing and money string uplink ownership transfer based on the confirmation information of the user's deduction request, and the payment processing flow includes:
3.1 The DCEP digital wallet system checks payment confirmation information sent by the user wallet and synchronizes the confirmation information to the blockchain in real time;
3.2 After the DCEP digital wallet system completes the check, carrying out chain-up and chain-down rights transfer on the coin string to be paid;
3.3 The DCEP digital wallet system replies a user wallet system account deduction success message, sends a final confirmation request instruction and an ownership transfer notification, reserves account deduction preprocessing operation before receiving the confirmation instruction, and automatically triggers an intelligent contract to complete account deduction transaction in a preprocessing state after account deduction confirmation is completed;
3.4 Once triggering the intelligent contract to complete the account deduction transaction of the preprocessing state, triggering the right transfer intelligent contract, sending right transfer confirmation information to the user wallet module, completing right transfer after confirming right transfer, uploading right transfer information to the blockchain, automatically completing the uplink operation by the DCEP digital wallet system node based on the intelligent contract, and sending the right transfer information to the cross-border payment system node;
3.5 After receiving the money serial right transfer confirmation message, the cross-border payment system node processes the original order, generates a payment result notification message and transmits the payment result notification message to the overseas order receiving system node in a uplink manner;
3.6 The overseas receipt system node receives the payment result notification message and sends the payment result notification message to the user wallet module to notify the payment result.
9. The cross-border payment method based on the distributed ledger wall technology as claimed in claim 2, wherein the overseas receipt system redemption stage specifically realizes real-time redemption of digital currency of a transaction based on a blockchain overseas receipt system node, and the overseas receipt system redemption process includes:
4.1 In the payment processing stage, after the money serial rights are transferred, the digital money is classified into an account on a bill receiving mechanism chain, and a money serial bill receiving notification is sent to an overseas bill receiving system node;
4.2 The overseas receipt system node initiates a redemption request to the cross-border payment system node;
4.3 Transmitting a coin-string downlink request message to the DCEP digital wallet system node by the cross-border payment system node;
4.4 The DCEP digital wallet system node receives the downlink request message, performs downlink processing on the overseas bill receiving system node chain coin strings and judges whether to recast the coins;
4.5 The DCEP digital wallet system performs a redemption operation on the digital wallet of the overseas receipt system, transfers the digital currency amount to a RMB balance account of the DCEP digital wallet system, and sends a completion notification of the digital currency transfer to the DCEP RMB balance account to a cross-border payment system node;
4.6 After receiving the money exchange confirmation message, the cross-border payment system node initiates CIPS cross-border credit transaction;
4.7 And after receiving the credit transaction receipt, the cross-border payment system node generates a cross-border remittance notice to the overseas receipt system node.
10. The cross-border payment method based on the distributed ledger technique according to claim 2, wherein the specific implementation steps of cross-border transaction withdrawal or return include:
5.1 The user wallet module initiates original order revocation or return transaction;
5.2 The overseas order receiving system node receives the original order withdrawal or return request to perform service inspection;
5.3 The overseas order receiving system node generates withdrawal or return transaction information and uploads the withdrawal or return information to the blockchain;
5.4 The cross-border payment system node receives the withdrawal or return transaction, performs business inspection and matches the withdrawal or return amount with the account coin string on the overseas bill receiving system node chain;
5.5 The cross-border payment system node completes the matching process and generates a withdrawal or refund response transaction;
5.6 Receiving and processing a blockchain revocation or return transaction result by the overseas acquiring system node;
5.7 The DCEP digital wallet system node receives the withdrawal or return result message, completes the money string transfer and sends a withdrawal or return notification to the user wallet module by the DCEP digital wallet system node.
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