CN112053228B - Block chain-based method and device for tracking progress of foreign remittance - Google Patents

Block chain-based method and device for tracking progress of foreign remittance Download PDF

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CN112053228B
CN112053228B CN202010909086.5A CN202010909086A CN112053228B CN 112053228 B CN112053228 B CN 112053228B CN 202010909086 A CN202010909086 A CN 202010909086A CN 112053228 B CN112053228 B CN 112053228B
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remittance
information
receiver
money transfer
overseas
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CN112053228A (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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  • Engineering & Computer Science (AREA)
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Abstract

The application provides a block chain-based method and a block chain-based device for tracking the progress of an overseas remittance, which are used for receiving 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 true, uploading an overseas remittance request to a blockchain; and carrying out remittance processing according to the overseas remittance request and uploading remittance processing progress information into the blockchain. Therefore, after the money transfer request is received, the information of the money transfer receiver is checked, after the information of the money transfer receiver is checked, the money transfer request is uploaded to the blockchain, nodes in the blockchain carry out money transfer processing according to the money transfer request, and the money transfer processing progress information is uploaded to the blockchain, so that timely and accurate money transfer can be carried out, the progress condition of the money transfer is monitored in real time, and the experience feeling of a user is improved.

Description

Block chain-based method and device for tracking progress of foreign remittance
Technical Field
The application relates to the technical field of data processing, in particular to an overseas remittance progress tracking method and device based on a blockchain.
Background
In the current overseas money transfer scene, for example, when handling the reserved money transfer business, the problems of complicated data examination and approval procedures, low money transfer speed, high money transfer cost and the like generally result in the fact that the progress condition of the reserved money transfer business cannot be monitored in real time, and the experience of a user is affected. How to monitor the progress of the reservation money transfer business in real time, and improve the user experience is a problem to be solved urgently.
Disclosure of Invention
Accordingly, the present application is directed to a method and apparatus for tracking the progress of an overseas money transfer based on a blockchain, which monitors the progress of the overseas money transfer in real time.
In order to achieve the above purpose, the application has the following technical scheme:
an overseas remittance progress tracking method based on blockchain, comprising:
receiving an overseas money transfer request, the overseas money transfer 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 blockchain;
and carrying out remittance processing according to the overseas remittance request and uploading the remittance processing progress information into a blockchain.
Optionally, the remittance processing progress information includes:
account information of a sender and account information of the sender;
further comprises:
acquiring the remittance account information and the account information of the remittance receiver from a blockchain in real time;
and comparing whether the reduced data in the account information of the remitter is the same as the increased data in the account information of the remitter receiver.
Optionally, the checking whether the information of the remittance receiver is true includes:
searching the remittance receiver in a background system;
after the sender is found, the prestored information of the sender is compared with the information of the sender in the overseas remittance request.
Optionally, the method further comprises:
and uploading the comparison result to the blockchain.
Optionally, the remittance processing according to the overseas remittance request includes:
and carrying out remittance processing according to the historical overseas remittance record and the historical overseas remittance frequency of the remittance party in the overseas remittance request.
An overseas money transfer progress tracking device based on a blockchain, comprising:
a receiving unit configured to receive an overseas money transfer request, the overseas money transfer request including: information of the money transfer recipient;
the auditing unit is used for auditing whether the information of the remittance receiver is real or not, and if so, uploading the overseas remittance request to a blockchain;
and the processing unit is used for carrying out remittance processing according to the overseas remittance request and uploading the remittance processing progress information into a blockchain.
Optionally, the remittance processing case includes:
account information of a sender and account information of the sender;
further comprises: and the supervision unit is used for acquiring the remittance account information and the account information of the remittance receiver from the blockchain in real time and comparing whether the reduced data in the account information of the remittance receiver is the same as the increased data in the account information of the remittance receiver.
Optionally, the auditing unit is specifically configured to search the sender in the background system, and compare the prestored information of the sender with the information of the sender in the overseas sender request after the sender is searched.
Optionally, the method further comprises:
and the uploading unit is used for uploading the comparison result to the blockchain.
Optionally, the processing unit is specifically configured to perform the remittance processing according to the historical external remittance record and the historical external remittance frequency of the remittance party in the external remittance request.
The embodiment of the application provides an overseas remittance progress tracking method based on a blockchain, 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 true, uploading an overseas remittance request to a blockchain; and carrying out remittance processing according to the overseas remittance request and uploading remittance processing progress information into the blockchain. Therefore, after the money transfer request is received, the information of the money transfer receiver is checked, after the information of the money transfer receiver is checked, the money transfer request is uploaded to the blockchain, nodes in the blockchain carry out money transfer processing according to the money transfer request, and the money transfer processing progress information is uploaded to the blockchain, so that timely and accurate money transfer can be carried out, the progress condition of the money transfer is monitored in real time, and the experience feeling of a user is improved.
Drawings
In order to more clearly illustrate the embodiments of the application or the technical solutions in the prior art, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it being obvious that the drawings in the following description are some embodiments of the application and that other drawings may be obtained from these drawings without inventive effort for a person skilled in the art.
FIG. 1 illustrates a flow diagram of an overseas money transfer progress tracking method based on blockchains in accordance with an embodiment of the application;
fig. 2-4 are schematic structural diagrams of an off-shore money transfer progress tracking device based on a blockchain according to an embodiment of the present application.
Detailed Description
In order that the above objects, features and advantages of the application will be readily understood, a more particular description of the application will be rendered by reference to the appended drawings.
In the following description, numerous specific details are set forth in order to provide a thorough understanding of the present application, but the present application may be practiced in other ways other than those described herein, and persons skilled in the art will readily appreciate that the present application is not limited to the specific embodiments disclosed below.
As described in the background art, in the current overseas money transfer scenario, for example, when a leave-behind money transfer service is handled, the problems of complicated data approval procedure, low money transfer speed, high money transfer cost and the like generally result in that the progress condition of the leave-behind money transfer service cannot be monitored in real time, and the experience of a user is affected. How to monitor the progress of the reservation money transfer business in real time, and improve the user experience is a problem to be solved urgently.
To this end, the embodiment of the application provides an overseas remittance progress tracking method based on a blockchain, which receives an overseas remittance request, wherein the overseas remittance request comprises: information of the money transfer recipient; then, if the information of the remittance receiver is true, uploading an overseas remittance request to a blockchain; and carrying out remittance processing according to the overseas remittance request and uploading remittance processing progress information into the blockchain. Therefore, after the money transfer request is received, the information of the money transfer receiver is checked, after the information of the money transfer receiver is checked, the money transfer request is uploaded to the blockchain, nodes in the blockchain carry out money transfer processing according to the money transfer request, and the money transfer processing progress information is uploaded to the blockchain, so that timely and accurate money transfer can be carried out, the progress condition of the money transfer is monitored in real time, and the experience feeling of a user is improved.
In order to facilitate understanding of the technical scheme and technical 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 overseas money transfer request is received, the overseas money transfer request including: information of the sender.
In particular applications, overseas remittance may include overseas medical visits, reserved payments, dependents, rentals, travel, meetings, royalties, lawyer fees, shopping, insurance (accident insurance), donations, immigration asset transfers, and the like.
In general, when a user who is a sender needs to make an external money transfer, the user may initiate an external money transfer request to a business entity, which may be a bank, a financial institution, or the like. The manner in which the off-line money transfer request is initiated may be off-line, such as the sender going to a bank counter to initiate the off-line money transfer request with the assistance of a bank staff. The manner in which the overseas money transfer request is initiated may also be online, e.g., the overseas money transfer request may be initiated via a banking client. The foreign transfer request information may include the sender initiating the request, the time period for which the transfer was requested, the amount of the requested transfer, and so forth.
The foreign remittance request includes information of a remittance receiver, namely an object for receiving remittance, and the information of the remittance receiver can include account information and identity information, wherein the account information can include current account amount, historical expenditure, income and the like, and the identity information can include name, address, identity card number and the like. The foreign remittance request may also include remittance party information, remittance party information may also include account information, which may include current account amount, historical expenditure, income, etc., and identity information, which may include name, address, identification number, etc.
In step S02, it is checked whether the information of the remittance receiver is true, if so, the foreign remittance request is uploaded to the blockchain.
After receiving the external money transfer request, the information of the money transfer receiver is checked, for example, the external money transfer is a reservation money transfer, the money transfer receiver is a reservation person, and the information of the money transfer receiver is checked to determine whether the money transfer receiver in the money transfer request is a reservation person according to the information of the money transfer receiver in the external money transfer request. For example, the overseas money transfer is an overseas medical fee money transfer, the money transfer recipient is an overseas hospital, and the information for checking the money transfer recipient may be a hospital organization for determining whether the money transfer recipient in the money transfer request is authorized.
In this embodiment, the method for checking whether the information of the sender is true may also be that the sender is first found in a background system, where the information of the sender in the sender is generally required to be recorded in the background system before the sender is performed, and the background system may be, for example, a bank background system, if the sender in the sender request cannot be found in the background system, it indicates that the sender in the sender request may be false, or if the sender in the sender request is false, after the sender in the sender request is found in the background system, the information of the sender prestored in the background system, such as a name, an identification card number, etc., is extracted, and after the comparison, the information of the sender in the sender request and the information of the sender prestored in the background system are compared, if the two are consistent, it indicates that the information of the sender in the sender request is true, and if the two are inconsistent, it indicates that the information of the sender in the sender request is false, it is impossible to perform the processing. In a specific application, after comparing the information of the sender stored in advance in the background system with the information of the sender in the foreign sender request, the comparison result can be uploaded to the blockchain, so that the auditing progress of the information of the sender can be monitored in real time through the blockchain.
After the information of the remittance receiver is verified to be true, the overseas remittance request can be uploaded into the blockchain, and the characteristic of 'public transparency' of the blockchain is utilized, so that a bank or a financial institution can acquire the related information of the overseas remittance in time and carry out the next operation.
In step S03, a money transfer process is performed according to the foreign 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, after the remittance receiver meets the requirement of receiving remittance, a bank or a financial institution can be informed to carry out remittance treatment. Because of the "public transparency", "traceability" and other characteristics of blockchain nodes, it is common to upload an outbound money transfer request into the blockchain, informing the bank or financial institution that a money transfer process is available. When the money transfer process is performed, an appropriate money transfer time may be selected for the sender in combination with the history of the sender's overseas money transfer record, the history of the overseas money transfer frequency, and the like, and then money transfer may be performed during this money transfer time.
The bank or the financial institution transfers money to the money transfer receiver, and simultaneously uploads money transfer processing progress information to the blockchain, wherein the money transfer progress information can comprise account information of the money transfer party and account information of the money transfer receiver, and the progress of the money transfer can be known according to the account information of the money transfer party and the account information of the money transfer receiver, for example, the amount of money in the account of the money transfer party is reduced, the amount of money in the account of the money transfer receiver is increased, the amount of money reduction is the same as the amount of money increase, and the money transfer is completed at the moment. Specifically, the account information of the sender and the account information of the sender may be obtained through the supervision node of the blockchain, the account information may include an account amount, and then whether the reduced data in the account information of the sender is the same as the increased data in the account information of the sender, for example, whether the reduced number of the account amount in the account information of the sender is the same as the increased number of the account amount in the account information of the sender is compared. According to the real-time monitoring of the account information of the remittance party and the account information of the remittance receiver by the supervision node, the flow direction of remittance funds can be obtained, and errors and the like in remittance are avoided.
In this embodiment, the sender and the sender recipient may be the same party, for example, the same reservation person having an external account and an internal account, and the reservation person may transfer to the external account through the internal account.
The embodiment of the application provides the overseas remittance progress tracking method based on the blockchain, which is described in detail above, after the remittance request is received, the information of the remittance receiver is checked, after the information of the remittance receiver is checked, the remittance request is uploaded to the blockchain, nodes in the blockchain carry out remittance processing according to the remittance request, and the remittance processing progress information is uploaded to the blockchain, so that timely and accurate remittance can be carried out, the remittance progress condition is monitored in real time, and the experience of a user is improved.
The embodiment of the application also provides an off-shore remittance progress tracking device based on the blockchain, which is shown by referring to fig. 2 and comprises:
a receiving unit 201 for receiving an overseas money transfer request, the overseas money transfer request including: information of the money transfer recipient;
an auditing unit 202, configured to audit whether the information of the remittance receiver is real, if yes, upload the overseas remittance request to a blockchain;
and the processing unit 203 is configured to perform a remittance process according to the overseas remittance request and upload the remittance process progress information into a blockchain.
In this embodiment, the remittance processing case includes: account information of a sender and account information of the sender; the apparatus further comprises: and the supervision unit 204 is configured to, as shown in fig. 3, obtain the remittance account information and the remittance receiver account information in real time from a blockchain, and compare whether the data reduced in the remittance party account information is the same as the data added in the remittance receiver account information.
In this embodiment, the auditing unit 202 is specifically configured to search the sender in the background system, and compare the prestored information of the sender with the information of the sender in the overseas sender request after the sender is found. The alignment results may then be uploaded into the blockchain by the upload unit 205, as shown with reference to fig. 4.
In the present embodiment, the processing unit 203 is specifically configured to perform the remittance process according to the history of the foreign remittance record and the history of the foreign remittance frequency of the remittance party in the foreign remittance request.
In this specification, each embodiment is described in a progressive manner, and identical and similar parts of each embodiment are all referred to each other, and each embodiment mainly describes differences from other embodiments. In particular, for the device embodiments, since they are substantially similar to the method embodiments, the description is relatively simple, and reference is made to the description of the method embodiments for relevant points.
The foregoing is merely a preferred embodiment of the present application, and the present application has been disclosed in the above description of the preferred embodiment, but is not limited thereto. Any person skilled in the art can make many possible variations and modifications to the technical solution of the present application or modifications to equivalent embodiments using the methods and technical contents disclosed above, without departing from the scope of the technical solution of the present application. Therefore, any simple modification, equivalent variation and modification of the above embodiments according to the technical substance of the present application still fall within the scope of the technical solution of the present application.

Claims (4)

1. An overseas money transfer progress tracking method based on a blockchain, comprising:
receiving an overseas money transfer request, the overseas money transfer request comprising: information of the money transfer recipient;
checking whether the information of the remittance receiver is real according to the remittance type or prestored receiver information, if so, uploading the overseas remittance request to a blockchain;
checking whether the information of the remittance receiver is true according to the remittance type comprises the following steps:
extracting the remittance type in the information of the remittance receiver, judging whether the remittance receiver is a receiver corresponding to the remittance type, and if so, determining that the information of the remittance receiver is true;
checking whether the information of the remittance receiver is true according to the prestored receiver information, comprising the following steps:
searching the remittance receiver in a background system;
after the sender is found, comparing the prestored information of the sender with the information of the sender in the overseas sender request, and if the comparison result is consistent, ensuring that the information of the sender is true;
carrying out remittance processing according to the historical overseas remittance record and the historical overseas remittance frequency of the remittance party in the overseas remittance request, and uploading remittance processing progress information into a blockchain; the remittance processing progress information comprises account information of a remittance party and account information of a remittance receiver; further comprises:
acquiring account information of the remittance party and account information of the remittance receiver from a blockchain in real time;
and comparing whether the reduced data in the account information of the remitter is the same as the increased data in the account information of the remitter receiver.
2. The method as recited in claim 1, further comprising:
and uploading the comparison result to a blockchain.
3. An off-the-road money transfer progress tracking device based on blockchain, comprising:
a receiving unit configured to receive an overseas money transfer request, the overseas money transfer request including: information of the money transfer recipient;
the auditing unit is used for auditing whether the information of the remittance receiver is real according to the remittance type or prestored receiver information, and if so, uploading the overseas remittance request to a blockchain; checking whether the information of the remittance receiver is true according to the remittance type comprises the following steps:
extracting the remittance type in the information of the remittance receiver, judging whether the remittance receiver is a receiver corresponding to the remittance type, and if so, determining that the information of the remittance receiver is true;
checking whether the information of the remittance receiver is true according to the prestored receiver information, comprising the following steps:
searching the remittance receiver in a background system;
after the sender is found, comparing the prestored information of the sender with the information of the sender in the overseas sender request, and if the comparison result is consistent, ensuring that the information of the sender is true;
the processing unit is used for carrying out remittance processing according to the historical overseas remittance record and the historical overseas remittance frequency of the remittance party in the overseas remittance request and uploading the remittance processing progress information into a blockchain; the remittance processing progress information comprises account information of a remittance party and account information of a remittance receiver; further comprises:
acquiring account information of the remittance party and account information of the remittance receiver from a blockchain in real time;
and comparing whether the reduced data in the account information of the remitter is the same as the increased data in the account information of the remitter receiver.
4. A device according to claim 3, further comprising:
and the uploading unit is used for uploading the comparison result to a block chain.
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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