CN112613881A - Cross-border payment method, system and device based on block chain - Google Patents
Cross-border payment method, system and device based on block chain Download PDFInfo
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- CN112613881A CN112613881A CN202011584626.3A CN202011584626A CN112613881A CN 112613881 A CN112613881 A CN 112613881A CN 202011584626 A CN202011584626 A CN 202011584626A CN 112613881 A CN112613881 A CN 112613881A
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Abstract
The invention belongs to the technical field of block chains, and provides a block chain-based cross-border payment method, a system, a device, computer equipment and a computer-readable storage medium. The cross-border currency needing cross-border remittance is exchanged into stable currency issued by a blockchain system according to real-time remittance rate, the stable currency is transferred to a hosting node to be hosted, remittance information is pushed to a first collection node through the hosting node to inform the first collection node of remittance of foreign currency payment, the stable currency is checked with the blockchain system after collection confirmation, the hosted stable currency is obtained from the hosting node, accordingly, participant information is maintained on a book of the blockchain together, information sharing is achieved, cooperation efficiency is improved, all participants can not be tampered after chaining, identity verification is convenient and free of objectification, stable currency serving as a payment medium effectively reduces mutual processes of information flow and fund flow, cross-border payment efficiency is greatly improved, and commission charge is reduced.
Description
Technical Field
The present application relates to the field of blockchain technology, and in particular, to a method, a system, an apparatus, a computer device, and a computer-readable storage medium for cross-border payment based on blockchain.
Background
The conventional cross-border payment system can be realized in three stages in the process, namely a payment initiating stage, a fund transfer stage and a fund delivery stage.
In the payment initiating stage, after receiving the transfer request from the sender to a receiver in another country, the bank of the receiver first makes KYC (customer check), then collects the money and service fee, and starts to process the remittance service after confirming the error.
In the fund transfer stage, the payer bank or remittance company of SWIFT (Society for world Wide Internet Financial Telecommunications) member can directly send money through SWIFT network; if the payer bank or remittance company is not a member of SWIFT, the remittance needs to be made through the local agent bank.
In the money delivery stage, the receiver receives the notice and withdraws money, and the receiver bank or the remittance company checks the identity thereof and then pays the corresponding money to the receiver in the local currency.
Based on the existing cross-border payment system, although cross-border payment can be realized, the following technical problems need to be solved:
firstly, the information of a sender and a receiver is manually collected, so that the efficiency is low;
secondly, the bank or remittance company has limited control force on the identity information and the related documents of the client, so the reliability of the identity verification link is questioned;
then, the fund flow and the information flow pass through a plurality of mechanisms, so that the cost is high, the time consumption is long, and the error rate is high;
finally, payment settlement is carried out through the SWIFT mechanism, which takes long time and has high commission cost.
Disclosure of Invention
In order to solve the above technical problems, the present invention provides a block chain based cross-border payment method, system, apparatus, computer device and computer readable storage medium.
A block chain-based cross-border payment method comprises the following steps:
exchanging cross-border currency needing cross-border remittance into stable currency issued by a block chain system according to the real-time remittance rate;
transferring the stable coin to a hosting node for hosting;
and sending remittance information to a first receiving node through the escrow node to inform the first receiving node of remittance of foreign currency payment, checking account with the block chain system after the remittance is confirmed, and acquiring escrowed stable currency from the escrow node.
A block chain-based cross-border payment system comprises a hosting node, a first receiving node and a first remittance node which operate in the block chain system;
the first remittance node exchanges cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time remittance rate;
the first money transfer node transferring the stable currency to a escrow node for escrow;
the first remittance node pushes remittance information to the first receiving node through the escrow node so as to inform the first receiving node of remittance of foreign currency payment, checks accounts with the block chain system after the remittance confirmation, and obtains escrowed stable coins from the escrow node.
A blockchain-based cross-border payment device, comprising:
the stable currency exchange module is used for exchanging cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time remittance rate;
the coin transferring module is used for transferring the stable coin to the escrow node for escrow;
and the notification payment module is used for pushing remittance information to a first receiving node through the escrow node so as to notify the first receiving node to remit foreign currency payment, checking account with the block chain system after the collection confirmation, and acquiring escrowed stable currency from the escrow node.
A computer device comprising a memory and a processor, the memory storing a computer program, the computer program executing in the processor any of the methods described above.
A computer-readable storage medium storing a computer program which, when executed on a processor, implements any of the methods described above.
In general, cross-border currency needing cross-border remittance is converted into stable currency issued by a blockchain system according to real-time remittance rate, the stable currency is transferred to a hosting node for hosting, remittance information is pushed to a first collection node through the hosting node to inform the first collection node of remittance of foreign currency payment, the first collection node checks accounts with the blockchain system after collection confirmation, and the hosted stable currency is obtained from the hosting node, so that participant information is commonly maintained on a ledger of the blockchain, information sharing is realized, cooperation efficiency is improved, all the participant information cannot be tampered after being linked, identity verification is convenient and has no objectionability, the stable currency is used as a payment medium to effectively reduce the mutual circulation process of information flow and fund flow, cross-border payment efficiency is greatly improved, and commission is reduced.
Drawings
Fig. 1 is a schematic flowchart illustrating a block chain-based cross-border payment method according to an embodiment;
fig. 2 is a schematic block chain-based cross-border payment apparatus according to an embodiment;
fig. 3 is a block chain-based cross-border payment system according to an embodiment;
fig. 4 is a schematic flowchart of a block chain-based cross-border payment supervision method according to an embodiment;
fig. 5 is a schematic block chain-based cross-border payment supervision apparatus according to an embodiment;
FIG. 6 is a block chain-based cross-border payment administration system framework diagram according to an embodiment;
fig. 7 is a schematic flowchart of a block chain-based cross-border payment supervision method according to an embodiment;
fig. 8 is a schematic block chain-based cross-border payment supervision apparatus according to an embodiment;
FIG. 9 is a block chain-based cross-border payment administration system framework diagram according to an embodiment;
fig. 10 is a block chain-based cross-border payment system according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the present invention is described in further detail below with reference to the accompanying drawings and embodiments. Further, the technical features of the different embodiments of the present invention described below may be combined with each other as long as they do not conflict with each other.
It should be understood that in the description of the present invention, unless explicitly specified or limited otherwise, the term "computer readable storage medium" may be various media that may store a computer program, such as ROM, RAM, magnetic or optical disk. The term "processor" may be a chip or a circuit having a data processing function, such as a CPLD (Complex Programmable Logic Device), an FPGA (Field-Programmable Gate Array), an MCU (micro Controller Unit), a PLC (Programmable Logic Controller), and a CPU (central processing Unit). The term "computer device" may be any device having data processing and storage capabilities and may generally include fixed and mobile terminals. Fixed terminals such as desktop computers and the like. Mobile terminals such as mobile phones, PADs, and mobile robots, etc.
It should also be understood that in the following embodiments, the division of the units or modules is performed according to the logic functions, and other division manners may be available in actual implementation, for example, a plurality of units or modules may be combined or may be integrated into another system. The coupling or communication connection of the units or modules may be through some interfaces, either electrical or otherwise.
On one hand, in order to improve information sharing, cooperation efficiency and real information of cross-border payment participants, reduce mutual circulation processes of information flow and fund flow, improve cross-border payment efficiency and reduce handling fees, a cross-border payment method, a cross-border payment device and a cross-border payment system based on a block chain are provided for explanation.
Example 1
Referring to fig. 1, the present embodiment provides a block chain-based cross-border payment method, which uses a first money transfer node as an execution subject, runs on a first money transfer node server, and uses other participants (i.e. other node servers) on a block chain system as environmental features of the running of the method to define the method, and the method includes the following steps:
s1, exchanging the cross-border currency needing cross-border remittance into stable currency issued by the blockchain system according to the real-time remittance rate;
s2, transferring the stable coins to a hosting node for hosting;
and S3, sending remittance information to the first receiving node through the escrow node to inform the first receiving node to remit foreign currency payment, checking account with the blockchain system after the collection is confirmed, and acquiring escrowed stable currency from the escrow node.
Example 2
Referring to fig. 2, the present embodiment provides a block chain-based cross-border payment apparatus, including:
the stable currency exchange module 1 is used for exchanging cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time exchange rate;
the coin transferring module 2 is used for transferring the stable coins to the escrow node for escrow;
and the notification payment module 3 is used for pushing remittance information to the first receiving node through the escrow node so as to notify the first receiving node to remit foreign currency payment, checking account with the block chain system after the collection confirmation, and acquiring escrowed stable currency from the escrow node.
Example 3
Referring to fig. 3, the present embodiment provides a block chain-based cross-border payment system, which includes a hosting node, a first receiving node, and a first remittance node operating in a block chain system; the first remittance node is used for exchanging the cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time remittance rate;
the first money transfer node transfers the stable money to the escrow node for escrow;
the first remittance node pushes remittance information to the first receiving node through the escrow node so as to inform the first receiving node of remittance of foreign currency payment, and after the remittance confirmation, the first receiving node checks accounts with the block chain system and obtains escrowed stable currency from the escrow node.
In the implementation schemes provided in embodiments 1 to 3, cross-border money to be cross-border remitted is exchanged into stable money issued by a blockchain system according to a real-time remittance rate, the stable money is transferred to a escrow node to be escrowed, remittance information is pushed to a first collection node through the escrow node to notify the first collection node to remit foreign money payment, and the first collection node checks account with the blockchain system after collection confirmation, and the escrowed stable money is obtained from the escrow node, so that participant information is commonly maintained on a ledger of the blockchain, information sharing is realized, the cooperation efficiency is improved, all participants are real and cannot be tampered after chaining, identity verification is convenient and has no objection, the stable money is used as a payment medium to effectively reduce a mutual transfer process of an information flow and a fund flow, the cross-border payment efficiency is greatly improved, and the commission fee is reduced.
It should be noted that, the blockchain participants can share, copy and synchronize information through the distributed ledger technology, so that the information of the participants is maintained on the ledger of the blockchain together, the information sharing is realized, the cooperation efficiency is improved, all the information of the participants after being linked is real and can not be tampered, the identity verification is convenient, and no objection exists.
It should be noted that the stable coin is a kind of cryptocurrency, and the purpose thereof is to control the price fluctuation to the maximum extent, and to issue the stable coin on the block chain, thereby achieving the real-time payment settlement between the internal and external payment and receipt facilities. The stable currency is used as a payment medium to effectively reduce the mutual circulation process of information flow and fund flow, greatly improve the cross-border payment efficiency and reduce the handling fee.
It should be further noted that the first collection node checks accounts with the blockchain system, and a participant of the blockchain system can specify a payment condition of the first collection node by calling a blockchain intelligent contract, so that the first collection node can obtain the managed stable coin from the hosting node.
Furthermore, the blockchain system can participate in the combined signature and combined signature blockchain account by multiple parties, so that the safety of mutual transfer payment among the multiple parties and the service expansibility of the system in a corresponding payment transaction scene can be greatly improved.
It should also be noted that each of the participants in the block system has their own block chain account, and the account characteristics of the participants in different functions are different. For example, a blockchain account that makes a steady currency or currency flow may be referred to as a transfer account. As another example, a blockchain account that is curated may be referred to as a curated account.
It is further noted that the stable money issued by the first money transfer node call blockchain is stored in the first money transfer node blockchain account and then transferred to the escrow node escrow. After the first receiving node receives the remittance information and carries out corresponding payment padding (namely corresponding foreign currency exchange payment), account checking is carried out on the block chain, and after all participants confirm the payment padding of the first receiving node, the first receiving node can agree to transfer the corresponding stable currency to the first receiving node after the successful receiving is known.
Further, the receiving confirmation comprises the confirmation of the first remittance node or the confirmation of the receiver, so that flexible confirmation information sharing can be completed, and cross-border payment in the block chain system is accelerated.
On one hand, in order to perform financial supervision on the whole process of cross-border payment at the remittance end, on the basis of the technical scheme, the invention also provides a cross-border payment supervision method, a device and a system based on the block chain, wherein the cross-border payment supervision is performed at the remittance end.
Example 4
Referring to fig. 4, the present embodiment provides a block chain-based cross-border payment supervision method, including the steps of:
s4, the first supervision node acquires first dynamic information of the first remittance node, the escrow node and the first collection node;
s5, the first supervisory node compares the first dynamic information to compliance data at the location of the first money transfer node for compliance supervision.
Example 5
Referring to fig. 5, the present embodiment provides a block chain-based cross-border payment supervision apparatus, including: a first supervision module 4;
the first supervision module 4 is used for acquiring first dynamic information of the first remittance node, the escrow node and the first collection node;
a first supervision module 4 for comparing the first dynamic information with compliance data of the first money transfer node for compliance supervision.
Example 6
Referring to fig. 6, the present embodiment provides a block chain-based cross-border payment supervision system, including a first supervision node operating in a block chain system;
the first monitoring node acquires first dynamic information of the first remittance node, the escrow node and the first collection node;
the first supervisory node compares the first dynamic information with compliance data at the first money transfer node for compliance supervisory purposes.
In the implementation schemes provided in embodiments 4 to 6, on the basis of payment, compliance supervision is performed by obtaining first dynamic information of the first remittance node, the escrow node, and the first receiving node and comparing the first dynamic information with compliance data of the first remittance node, so that a remittance end performs compliance supervision according to local compliance data, and a technical effect of ensuring compliance circulation of payment full-flow payment data is achieved.
It should be noted that the first dynamic information of the first remittance node, the escrow node, and the first receiving node may refer to cross-border payment whole-process information, that is, operation information of all node servers in the blockchain system for cross-border payment after the remittance request is initiated by the remitter.
On one hand, on the basis of the technical scheme, the invention provides a block chain-based cross-border payment supervision method, device and system for financial supervision of the whole cross-border payment process at a receiving end, and the cross-border payment supervision is carried out at a remittance end.
Example 7
Referring to fig. 7, the present embodiment provides a block chain-based cross-border payment supervision method, including the steps of:
s6, the second supervising node acquires second dynamic information of the first remittance node, the escrow node and the first collection node;
and S7, the second supervision node compares the second dynamic information with the compliance data of the location of the first collection node to perform compliance supervision.
Example 8
Referring to fig. 8, the present embodiment provides a block chain-based cross-border payment supervision apparatus, including: a second supervision module 5;
the second supervision module 5 is used for acquiring second dynamic information of the first remittance node, the escrow node and the first collection node;
and the second supervision module 5 is used for comparing the second dynamic information with the compliance data of the location of the first collection node so as to perform compliance supervision.
Example 9
Referring to fig. 9, the present embodiment provides a block chain-based cross-border payment supervision system, including a second supervision node operating in a block chain system;
the second supervision node acquires second dynamic information of the first remittance node, the escrow node and the first collection node;
and the second supervision node compares the second dynamic information with the compliance data of the location of the first collection node to carry out compliance supervision.
In the implementation schemes provided in embodiments 7 to 9, on the basis of payment, compliance supervision is performed by obtaining second dynamic information of the first remittance node, the escrow node, and the first receiving node and comparing the second dynamic information with compliance data of the first receiving node, so that the receiving end performs compliance supervision according to local compliance data, and a technical effect of ensuring compliance circulation of payment full-flow payment data is achieved.
It should be noted that the second dynamic information of the first remittance node, the escrow node, and the first receiving node may refer to cross-border payment whole-process information, that is, operation information of all node servers in the blockchain system for cross-border payment after the remittance request is initiated by the remitter.
In one aspect, to illustrate the present invention as a whole, the present embodiment provides a block chain-based cross-border payment system.
Example 10
Referring to fig. 10, the present embodiment provides a block chain-based cross-border payment system, where each participant of the system performs the following operations:
when the domestic remitter goes to the domestic bank to handle the cross-border remittance service, the domestic bank submits a transaction request to the payment system of the domestic first remittance node, and the domestic payment system performs transaction compliance detection;
the transaction is validated without problems, requesting connection into a cross-border payment blockchain network. The participants in the block chain network have the roles of an internal bank, an overseas bank, a first remittance node, a first collection node, a first supervision node, a second supervision node, a stable money escrow node and the like;
the domestic bank remittance local domestic currency to the remittance institution;
the first remittance node initiates a block chain transaction, changes the received currency into stable currency on a block chain according to the current real-time remittance rate, and stores the stable currency in a block chain account which is jointly signed by the first remittance node, the escrow node and the like;
at the moment, the escrow node informs the first receiving node of the remittance information of the first remittance node through a message pushing mechanism, and the first receiving node exchanges the received payment information into other foreign currencies according to the real-time remittance rate to pay to the overseas bank;
after the first remittance node or the receiver confirms to receive the money, the blockchain network automatically transfers the stable money to a blockchain account of the first receiving node through an intelligent contract;
the whole process of the cross-border remittance is supervised by the first supervision node and the second supervision node in real time.
In one aspect, the technical solution provided by the present invention may be executed on a computer device with blockchain computing power, and therefore, the present invention further provides a computer device, which includes a memory and a processor, where the memory stores a computer program, and the computer program is executed in the processor, and can implement any of the methods described above.
In one aspect, the technical solutions provided by the present invention can be stored on any optical, electrical, or magnetic computer readable storage medium, and therefore, the present invention also provides a computer readable storage medium storing a computer program, where the computer program is executed in a processor, and can implement any one of the methods described above.
It should also be generally described that the cross-border currency which needs to be cross-border remitted is converted into stable currency issued by a blockchain system according to the real-time remittance rate, the stable currency is transferred to the escrow node to be escrowed, remittance information is pushed to the first collection node through the escrow node to inform the first collection node of remittance of foreign currency payment, the stable currency is checked out with the blockchain system after collection confirmation, and the escrow node obtains the escrowed stable currency, so that the participant information is jointly maintained on the account book of the blockchain, information sharing is realized, the cooperation efficiency is improved, all the participant information is real and cannot be tampered after being linked, the identity verification is convenient and has no objectionability, the stable currency is used as a payment medium to effectively reduce the mutual circulation process of information flow and fund flow, the cross-border payment efficiency is greatly improved, and the commission is reduced.
In addition, the term "coin transfer" appearing in the above embodiments or drawings refers to the transfer of a stable coin.
The above description is only for the purpose of illustrating the preferred embodiments of the present invention and is not to be construed as limiting the invention, and any modifications, equivalents and improvements made within the spirit and principles of the present invention are intended to be included within the scope of the present invention.
Claims (10)
1. A block chain-based cross-border payment method is characterized by comprising the following steps:
exchanging cross-border currency needing cross-border remittance into stable currency issued by a block chain system according to the real-time remittance rate;
transferring the stable coin to a hosting node for hosting;
and sending remittance information to a first receiving node through the escrow node to inform the first receiving node of remittance of foreign currency payment, checking account with the block chain system after the remittance is confirmed, and acquiring escrowed stable currency from the escrow node.
2. The method of claim 1, wherein a participant of the blockchain system comprises a first supervisory node; the first supervision node acquires the whole-course cross-border payment information and compares the whole-course cross-border payment information with remittance place compliance data to conduct compliance supervision.
3. The method of claim 1, wherein a participant of the blockchain system comprises a second supervisory node; and the second supervision node acquires the whole-course cross-border payment information and compares the whole-course cross-border payment information with the compliance data of the payment receiving place so as to carry out compliance supervision.
4. The method of any of claims 1-3, wherein the transferee confirmation comprises a first money transfer node confirmation or a transferee confirmation.
5. The method of claim 4, further comprising:
receiving a cross-border payment transaction request, and performing transaction compliance verification;
connecting the verified request to the blockchain system.
6. A blockchain-based cross-border payment system comprising a escrow node, a first recipient node, and a first remittance node operating in the blockchain system, the system comprising:
the first remittance node exchanges cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time remittance rate;
the first money transfer node transferring the stable currency to a escrow node for escrow;
the first remittance node pushes remittance information to the first receiving node through the escrow node so as to inform the first receiving node of remittance of foreign currency payment, checks accounts with the block chain system after the remittance confirmation, and obtains escrowed stable coins from the escrow node.
7. The system of claim 6, further comprising: and the first remittance section receives the cross-border payment transaction request, performs transaction compliance verification, and connects the verified request to the blockchain system.
8. A block chain based cross-border payment device, comprising:
the stable currency exchange module is used for exchanging cross-border currency needing cross-border remittance into stable currency issued by the block chain system according to the real-time remittance rate;
the coin transferring module is used for transferring the stable coin to the escrow node for escrow;
and the notification payment module is used for pushing remittance information to a first receiving node through the escrow node so as to notify the first receiving node to remit foreign currency payment, checking account with the block chain system after the collection confirmation, and acquiring escrowed stable currency from the escrow node.
9. A computer device comprising a memory and a processor, the memory storing a computer program, wherein the computer program is operative to perform the method of any of claims 1-5 in the processor.
10. A computer-readable storage medium storing a computer program, characterized in that the computer program is executed in a processor to implement the method of any of claims 1-5.
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| CN202011584626.3A CN112613881A (en) | 2020-12-28 | 2020-12-28 | Cross-border payment method, system and device based on block chain |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114118987A (en) * | 2021-11-08 | 2022-03-01 | 支付宝(杭州)信息技术有限公司 | Cross-border remittance method and device based on block chain and electronic equipment |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN114118987A (en) * | 2021-11-08 | 2022-03-01 | 支付宝(杭州)信息技术有限公司 | Cross-border remittance method and device based on block chain and electronic equipment |
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