CN112053228A - Overseas remittance progress tracking method and device based on block chain - Google Patents

Overseas remittance progress tracking method and device based on block chain Download PDF

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CN112053228A
CN112053228A CN202010909086.5A CN202010909086A CN112053228A CN 112053228 A CN112053228 A CN 112053228A CN 202010909086 A CN202010909086 A CN 202010909086A CN 112053228 A CN112053228 A CN 112053228A
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remittance
information
overseas
request
receiver
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CN112053228B (en
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方莲娣
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

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Abstract

The invention provides an overseas remittance progress tracking method and device based on a block chain, which receives an overseas remittance request, wherein the overseas remittance request comprises the following steps: information of the money transfer recipient; then, if the information of the remittance receiver is real, uploading the overseas remittance request to a block chain; a money transfer process is performed according to the overseas money transfer request and money transfer process progress information is uploaded into the block chain. Therefore, after receiving the remittance request, the remittance receiver checks the information of the remittance receiver, after the remittance receiver passes the information check, the remittance request is uploaded to the block chain, nodes in the block chain carry out remittance processing according to the remittance request, and the remittance processing progress information is uploaded to the block chain, so that remittance can be timely and accurately carried out, the progress condition of remittance is monitored in real time, and the experience of a user is improved.

Description

Overseas remittance progress tracking method and device based on block chain
Technical Field
The invention relates to the technical field of data processing, in particular to an overseas remittance progress tracking method and device based on a block chain.
Background
Under the current overseas remittance scene, for example, when a study-reserving remittance service is handled, the problems of complicated data approval procedures, low remittance speed, high remittance cost and the like generally result in that the progress condition of the study-reserving remittance service cannot be supervised in real time, and the experience of a user is influenced. How to monitor the progress of the remittance service in real time and improve the experience of the user becomes a problem to be solved urgently.
Disclosure of Invention
In view of the above, the present invention provides a block chain-based method and apparatus for tracking an overseas remittance progress, which supervises the overseas remittance progress in real time.
In order to achieve the purpose, the invention has the following technical scheme:
an overseas remittance progress tracking method based on a block chain comprises the following steps:
receiving an overseas remittance request, the overseas remittance request comprising: information of the money transfer recipient;
checking whether the information of the remittance receiver is real, if so, uploading the overseas remittance request to a block chain;
and performing remittance processing according to the overseas remittance request and uploading the remittance processing progress information to a block chain.
Optionally, the money transfer process progress information includes:
account information of the sender and account information of the recipient;
further comprising:
obtaining the remittance account information and the account information of the remittance receiver in real time from a blockchain;
comparing whether the data decreased in the account information of the money transfer recipient is the same as the data increased in the account information of the money transfer recipient.
Optionally, the verifying whether the information of the money transfer receiver is authentic includes:
searching the remittance receiver in a background system;
and after the remittance receiver is found, comparing the pre-stored information of the remittance receiver with the information of the remittance receiver in the overseas remittance request.
Optionally, the method further includes:
and uploading the comparison result to a block chain.
Optionally, the performing remittance processing according to the overseas remittance request includes:
remittance processing is performed according to the historical overseas remittance record of the remitter in the overseas remittance request and the historical overseas remittance rate frequency.
An overseas remittance progress tracking apparatus based on a block chain, comprising:
a receiving unit for receiving an overseas money transfer request, the overseas money transfer request comprising: information of the money transfer recipient;
the checking unit is used for checking whether the information of the remittance receiver is real or not, and if so, uploading the overseas remittance request to a block chain;
and the processing unit is used for carrying out remittance processing according to the overseas remittance request and uploading the remittance processing progress information to the block chain.
Optionally, the money transfer processing scenario includes:
account information of the sender and account information of the recipient;
further comprising: and the supervision unit is used for acquiring the remittance account information and the account information of the remittance receiver in real time from the blockchain, and comparing whether the data decreased in the account information of the remittance receiver is the same as the data increased in the account information of the remittance receiver.
Optionally, the auditing unit is specifically configured to search the remittance receiver in a background system, and compare the pre-stored information of the remittance receiver with the information of the remittance receiver in the overseas remittance request after the remittance receiver is found.
Optionally, the method further includes:
and the uploading unit is used for uploading the comparison result to the block chain.
Optionally, the processing unit is specifically configured to perform remittance processing according to a historical overseas remittance record and a historical overseas remittance rate frequency of the remitter in the overseas remittance request.
The embodiment of the invention provides an overseas remittance progress tracking method based on a block chain, which receives an overseas remittance request, wherein the overseas remittance request comprises the following steps: information of the money transfer recipient; then, if the information of the remittance receiver is real, uploading the overseas remittance request to a block chain; a money transfer process is performed according to the overseas money transfer request and money transfer process progress information is uploaded into the block chain. Therefore, after receiving the remittance request, the remittance receiver checks the information of the remittance receiver, after the remittance receiver passes the information check, the remittance request is uploaded to the block chain, nodes in the block chain carry out remittance processing according to the remittance request, and the remittance processing progress information is uploaded to the block chain, so that remittance can be timely and accurately carried out, the progress condition of remittance is monitored in real time, and the experience of a user is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a flow diagram illustrating an overseas money transfer progress tracking method based on a block chain according to an embodiment of the present invention;
fig. 2-4 are block chain based outlying money transfer progress tracking devices according to embodiments of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present invention, but the present invention may be practiced in other ways than those specifically described and will be readily apparent to those of ordinary skill in the art without departing from the spirit of the present invention, and therefore the present invention is not limited to the specific embodiments disclosed below.
As described in the background art, in the current overseas remittance scenario, for example, when handling the study remittance service, the problems of tedious data approval procedure, slow remittance speed, high remittance cost, etc. generally result in that the progress of the study remittance service cannot be supervised in real time, which affects the experience of the user. How to monitor the progress of the remittance service in real time and improve the experience of the user becomes a problem to be solved urgently.
To this end, an overseas remittance progress tracking method based on a block chain according to an embodiment of the present application receives an overseas remittance request, where the overseas remittance request includes: information of the money transfer recipient; then, if the information of the remittance receiver is real, uploading the overseas remittance request to a block chain; a money transfer process is performed according to the overseas money transfer request and money transfer process progress information is uploaded into the block chain. Therefore, after receiving the remittance request, the remittance receiver checks the information of the remittance receiver, after the remittance receiver passes the information check, the remittance request is uploaded to the block chain, nodes in the block chain carry out remittance processing according to the remittance request, and the remittance processing progress information is uploaded to the block chain, so that remittance can be timely and accurately carried out, the progress condition of remittance is monitored in real time, and the experience of a user is improved.
In order to facilitate understanding of the technical solutions and effects of the present application, specific embodiments will be described in detail below with reference to the accompanying drawings.
Referring to fig. 1, in step S01, an outbound money transfer request is received, the outbound money transfer request including: information of the money transfer recipient.
In particular applications, the overseas remittance may include overseas hospitalizations, school expenses, dependents, rentals, tourism, chores, royalties, attorney fees, shopping, insurance (accident insurance), donations, immigration asset transfers, and the like.
Generally, when a user who is a remitter needs to make an overseas remittance, the user may send an overseas remittance request to a business entity, which may be, for example, a bank or a financial institution. The foreign remittance request may be initiated offline, such as by the transferor going to a bank counter to initiate the foreign remittance request with the assistance of a bank clerk. The manner in which the outbound remittance request is initiated may also be online, for example, the outbound remittance request may be initiated by a bank client. The outbound money transfer request information may include the transferor who initiated the request, the time period for which the money transfer was requested, the amount for which the money transfer was requested, etc.
The overseas remittance request comprises information of a remittance receiver, the remittance receiver is a remittance receiving object, the information of the remittance receiver can comprise account information and identity information, the account information can comprise current account amount, historical expenditure, income and the like, and the identity information can comprise name, address, identification number and the like. The overseas remittance request may also include information of the remitter, the information of the remitter may also include account information and identity information, the account information may include current account amount, historical expenditure and income, and the identity information may include name, address, identification number, and the like.
In step S02, the remittance recipient is checked whether the information is authentic, and if so, the overseas remittance request is uploaded to the block chain.
After receiving the overseas remittance request, the remittance receiver may check the information of the remittance receiver, for example, the overseas remittance is a study-keeping remittance, the remittance receiver is a study-keeping person, and the check of the information of the remittance receiver may be to determine whether the remittance receiver in the remittance request is a study-keeping person according to the information of the remittance receiver in the overseas remittance request. For example, the overseas remittance may be a remittance of overseas medical expenses, the remittance receiver may be an overseas hospital, and the information for checking the remittance receiver may be to determine whether the remittance receiver in the remittance request is a regular hospital organization.
In this embodiment, the method for verifying whether the information of the remittance receiver is real may further include searching the remittance receiver in a background system, where the remittance receiver usually needs to record the information of the remittance receiver in the background system before remittance is performed, where the background system may be, for example, a bank background system, if the remittance receiver in the remittance request is not found in the background system, it indicates that the remittance receiver may be false or the remittance receiver in the remittance request has an error, if the remittance receiver in the remittance request is found in the background system, extracting the information of the remittance receiver pre-stored in the background system, such as a name, an identity certificate, etc., comparing the information of the remittance receiver in the remittance request with the information of the remittance receiver pre-stored in the background system, and if the two are identical, it, the remittance process may be performed, and if they are not identical, the remittance recipient's information in the overseas remittance request is wrong and the remittance process cannot be performed. In a specific application, after the information of the remittance receiver pre-stored in the background system is compared with the information of the remittance receiver in the overseas remittance request, the comparison result can be uploaded to a block chain, so that the auditing progress of the information of the remittance receiver can be monitored in real time through the block chain.
After the information of the remittance receiver is verified to be real, the overseas remittance request can be uploaded to the block chain, and the characteristics of 'open transparency' of the block chain are utilized, so that a bank or a financial institution can timely acquire the relevant information of the overseas remittance and perform the next operation.
In step S03, a money transfer process is performed according to the overseas money transfer request and money transfer process progress information is uploaded into the blockchain.
After the information of the remittance receiver is verified to be true, namely the remittance receiver meets the requirement of receiving remittance, a bank or a financial institution can be informed to carry out remittance processing, because the block chain comprises a remitter node, a remittance node, a supervision node and the like, the remitter uploads remittance request information through the remitter node, the bank or the financial institution carries out remittance processing through the remittance node, and the supervision node supervises the remitter information and the remittance receiver information. Due to the "public transparency", "traceability" and other features of the blockchain nodes, the overseas remittance request is typically uploaded into the blockchain to inform the bank or financial institution that the remittance process may be performed. In performing the money transfer process, the transferor may select an appropriate money transfer time for the transferor in conjunction with the transferor's historical offsite money transfer record and historical offsite money transfer frequency, etc., and then transfer money during that money transfer time.
The bank or the financial institution transfers money to the remittance receiver and uploads the remittance processing progress information to the block chain, the remittance progress information can comprise account information of the remitter and account information of the remittance receiver, and the remittance progress can be known according to the account information of the remitter and the account information of the remittance receiver, for example, the amount of money in the account of the remittance receiver is reduced, the amount of money in the account of the remittance receiver is increased, the amount of money reduction is the same as the amount of money increase, and the remittance is completed at the moment. Specifically, the account information of the sender and the account information of the recipient may be obtained through a supervisory node of the block chain, where the account information may include an account amount, and then whether the data decreased in the account information of the sender is the same as the data increased in the account information of the recipient is compared, for example, whether the number of decreases in the account amount in the account information of the sender is the same as the number of increases in the account amount in the account information of the recipient. The account information of the sender and the account information of the receiver can be monitored in real time according to the monitoring node, so that the flow direction of remittance funds can be obtained, and errors in remittance and the like can be avoided.
In this embodiment, the sender and the recipient may be the same party, for example, the same student, who has a foreign account and a domestic account and can transfer money to the foreign account through the domestic account, and therefore, although the sender and the recipient are the same party, the account information of the sender and the account information of the recipient are different.
The method for tracking the overseas remittance progress based on the block chain provided by the embodiment of the application is described in detail, after a remittance request is received, information of a remittance receiver is checked, after the information of the remittance receiver is checked, the remittance request is uploaded to the block chain, nodes in the block chain perform remittance processing according to the remittance request and upload remittance processing progress information to the block chain, so that remittance can be timely and accurately performed, the progress condition of remittance is monitored in real time, and the experience of a user is improved.
An embodiment of the present application further provides an overseas remittance progress tracking apparatus based on a block chain, as shown in fig. 2, including:
a receiving unit 201 for receiving an overseas money transfer request, the overseas money transfer request comprising: information of the money transfer recipient;
an auditing unit 202, configured to audit whether the information of the remittance recipient is authentic, and if so, upload the overseas remittance request to a block chain;
a processing unit 203 for performing a money transfer process according to the overseas money transfer request and uploading the money transfer process progress information to a block chain.
In this embodiment, the money transfer processing scenario includes: account information of the sender and account information of the recipient; the device also includes: the supervision unit 204, as shown in fig. 3, is configured to obtain the remittance account information and the account information of the remittance recipient from the blockchain in real time, and compare whether the data decreased in the account information of the remittance recipient is the same as the data increased in the account information of the remittance recipient.
In this embodiment, the auditing unit 202 is specifically configured to search the remittance receiver in a background system, and compare the pre-stored information of the remittance receiver with the information of the remittance receiver in the overseas remittance request after the remittance receiver is found. Then, the comparison result may be uploaded to the block chain by the uploading unit 205, as shown in fig. 4.
In this embodiment, the processing unit 203 is specifically configured to perform the remittance process based on the historical overseas remittance record and the historical overseas remittance rate frequency of the transferor in the overseas remittance request.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points.
The foregoing is only a preferred embodiment of the present invention, and although the present invention has been disclosed in the preferred embodiments, it is not intended to limit the present invention. Those skilled in the art can make numerous possible variations and modifications to the present teachings, or modify equivalent embodiments to equivalent variations, without departing from the scope of the present teachings, using the methods and techniques disclosed above. Therefore, any simple modification, equivalent change and modification made to the above embodiments according to the technical essence of the present invention are still within the scope of the protection of the technical solution of the present invention, unless the contents of the technical solution of the present invention are departed.

Claims (10)

1. An overseas remittance progress tracking method based on a block chain, comprising:
receiving an overseas remittance request, the overseas remittance request comprising: information of the money transfer recipient;
checking whether the information of the remittance receiver is real, if so, uploading the overseas remittance request to a block chain;
and performing remittance processing according to the overseas remittance request and uploading the remittance processing progress information to a block chain.
2. The method of claim 1 wherein the money transfer process progress information comprises:
account information of the sender and account information of the recipient;
further comprising:
obtaining the remittance account information and the account information of the remittance receiver in real time from a blockchain;
comparing whether the data decreased in the account information of the money transfer recipient is the same as the data increased in the account information of the money transfer recipient.
3. The method of claim 1, wherein said auditing whether the information of the money transfer recipient is authentic comprises:
searching the remittance receiver in a background system;
and after the remittance receiver is found, comparing the pre-stored information of the remittance receiver with the information of the remittance receiver in the overseas remittance request.
4. The method of claim 3, further comprising:
and uploading the comparison result to a block chain.
5. The method of claim 1 wherein said processing money transfer in accordance with said overseas money transfer request comprises:
remittance processing is performed according to the historical overseas remittance record of the remitter in the overseas remittance request and the historical overseas remittance rate frequency.
6. An overseas remittance progress tracking apparatus based on a block chain, comprising:
a receiving unit for receiving an overseas money transfer request, the overseas money transfer request comprising: information of the money transfer recipient;
the checking unit is used for checking whether the information of the remittance receiver is real or not, and if so, uploading the overseas remittance request to a block chain;
and the processing unit is used for carrying out remittance processing according to the overseas remittance request and uploading the remittance processing progress information to the block chain.
7. The apparatus of claim 6, wherein the money transfer processing conditions comprise:
account information of the sender and account information of the recipient;
further comprising: and the supervision unit is used for acquiring the remittance account information and the account information of the remittance receiver in real time from the blockchain, and comparing whether the data decreased in the account information of the remittance receiver is the same as the data increased in the account information of the remittance receiver.
8. The apparatus as claimed in claim 6, wherein the auditing unit is specifically configured to search the remittance recipient in a background system, and compare the pre-stored remittance recipient information with the remittance recipient information in the overseas remittance request after the remittance recipient is found.
9. The apparatus of claim 8, further comprising:
and the uploading unit is used for uploading the comparison result to the block chain.
10. The apparatus of claim 6, wherein the processing unit is further configured to perform remittance processing based on historical outbound remittance records and historical outbound remittance rate frequencies of the transferor in the outbound remittance request.
CN202010909086.5A 2020-09-02 2020-09-02 Block chain-based method and device for tracking progress of foreign remittance Active CN112053228B (en)

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Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101241570A (en) * 2008-02-15 2008-08-13 中国工商银行股份有限公司 Bank remittance method, bank payment information processing apparatus and its system
CN110163749A (en) * 2019-05-31 2019-08-23 深圳前海微众银行股份有限公司 Money transfer method and device in a kind of block chain
CN110378682A (en) * 2019-07-02 2019-10-25 银清科技(北京)有限公司 The cross-border method of payment of RMB and device based on block chain framework
CN111080455A (en) * 2020-01-04 2020-04-28 天津金农企业管理咨询合伙企业(有限合伙) Cross-border transaction method and device based on block chain and hardware equipment
CN111539705A (en) * 2020-04-27 2020-08-14 中国银行股份有限公司 Cross-border payment method and device based on block chain

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN101241570A (en) * 2008-02-15 2008-08-13 中国工商银行股份有限公司 Bank remittance method, bank payment information processing apparatus and its system
CN110163749A (en) * 2019-05-31 2019-08-23 深圳前海微众银行股份有限公司 Money transfer method and device in a kind of block chain
CN110378682A (en) * 2019-07-02 2019-10-25 银清科技(北京)有限公司 The cross-border method of payment of RMB and device based on block chain framework
CN111080455A (en) * 2020-01-04 2020-04-28 天津金农企业管理咨询合伙企业(有限合伙) Cross-border transaction method and device based on block chain and hardware equipment
CN111539705A (en) * 2020-04-27 2020-08-14 中国银行股份有限公司 Cross-border payment method and device based on block chain

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